The Ben and Ashley I Almost Famous Podcast - Why Is Talking About Money Harder Than Talking About Sex?!

Episode Date: April 23, 2026

Haley Sacks, aka Mrs. Dow Jones, wants you to see the green in your chapter two!   Should you have joint checking accounts in a relationship? Are luxury handbags REALLY a good investment?    Pre-order her book HERE   Email us at: [e-mail] or call us at 844-4-I Do Pod (844-443-6763)Follow I Do, Part 2 on Instagram and TikTokSee omnystudio.com/listener for privacy information.

This is an I-Heart podcast. Guaranteed human. A win is a win. A win is a win. I don't care what you're saying. Yep, that's me. Clivert Taylor the 4th. You might have seen the skits,

my basketball and college football journey, or my career in sports media. Well, now I'm bringing all of that excitement to my brand new podcast, The Clifers Show. This is a place for raw, unfills of conversations with athletes, creators, and voices that not only deserve to be heard, but celebrated.

So let's get to it. Listen to the Clifford show on the IHeard Radio app, Apple Podcasts, or wherever you get your podcast. And for more behind the scenes, follow at Clifford and at TikTok podcast network on TikTok. This week on the Sports Slice podcast, it's all about the NFL draft. And we've got a special guest. The director of the NFL's East West Shrine Bowl, Eric Galko, joins the Sports Slice podcast to break down what really matters when evaluating draft prospects. From hidden traits teams look for to the biggest mistakes franchises make to the players flying under the radar. This is the insight you won't hear anywhere else. If you want to understand

the draft like an insider, you don't want to miss this episode. Listen to the Sports Slice podcast on the Iheart Radio app, Apple Podcasts, or wherever you get your podcast. And for more, follow Timbo Slica Life 12 and TikTok podcast network on TikTok. In 2023, Bachelor star Clayton Eckerd was accused of fathering twins. But the pregnancy appeared to be a hoax. You doctored this particular test twice, Ms. Ellen's, correct? I doctored the test ones. It took an army of internet detectives to uncover a disturbing pattern. Two more men who'd been through the same thing.

Greg, a lesbian. Michael Mancini. My mind was blown. I'm Stephanie Young. This is Love Trapped. Laura, Scottsdale Police. As the season continues, Laura Owens finally faces consequences. Listen to Love Trapped podcast on the Iheart radio app, Apple Podcasts, or wherever you get your podcasts.

When a group of women, discover they've all dated the same prolific con artist. They take matters into their own hands. I vowed. I will be his last target. He is not going to get away with this. He's going to get what he deserves. We always say that, trust your girlfriends. Listen to the girlfriends.

Trust me, babe. On the IHartRadio app, Apple Podcasts, or wherever you get your podcasts. Hey, I do part two. It's your host, Cheryl Burke, and I'm joined. by one of my favorite chapter two gals. It's Joan Vassos from the Golden Bachelorette. Hey, Joan. Hi, how are you? It's been a long time. I'm great. It's been a while. I've been following you on Instagram, so I know every single thing about your life. I'm a total fan of all, to be honest.

Exactly. Today we're talking about one of the hardest topics in any relationship, and no, it's not sex. Unfortunately, we're talking money. Our guest today is the host of the Financial Tea Podcast and her new book, Future Rich Person. the new rules for building wealth, even if you're stuck, broke, and that billionaire won't text you back. Is out May 12th. That's a long title, but means so much. Please welcome Haley Sachs, aka Mrs. Dow Jones. Okay, so tell us about your financial literacy. Were you raised by parents who were really good at, you know, investing their money? How did you become so great at what you do, I guess, today? I definitely did not grow up with parents who pushed financial literacy in the household.

I grew up with what I call a WSF, a Wall Street father. So I like to say that I'm like if LeBron James' daughter couldn't shoot a free throw. He never brought it home with him. And so I grew up like really confused about money, sort of avoiding it, thinking that it wasn't for me, maybe I lacked this chip inside of me that would make it possible for me to manage finances. And so basically avoided it at all costs. Right. Yeah.

I'm sure I can relate. But I was raised with parents who were very, I guess, stingy, you know, with money. But I feel like I, we have so much to talk about. We have so much to talk about. So this podcast is I do part two, obviously. and a lot of our listeners are learning basically just how to handle money matters in general, just better the second time around. What is, would you say, the number one financial mistake you see most married couples make

that can just fast track towards divorce? You know, it really starts, Cheryl, before people get married. And I see so many couples because, I mean, marriage is a legal cause. contract at the end of the day. Like, that's what it really should be viewed as. And I just see so many couples sign that contract without knowing much about the other person's finances, about how much debt they have, about their relationship with money, about, you know, how much they make, how much debt, like, just all these really important

questions. People avoid because they think it's awkward and they want to walk down. the aisle and sometimes we get so focused on reaching that finish line, which I feel like society really does put marriage as like for women, especially this finish line. We got to get there. And what it's right within your grasp, you can sort of fool yourself into making a bad decision. Right. Joan, tell me about you. I mean, I mean, I know you, but our listeners, you know, you're a widow. share your experience, I guess, with just taking control of just all the finances after your husband passed. Yeah, that was kind of crazy, to be honest. I didn't know what the heck I was doing. And that was

like I looked back at that like, gosh, how irresponsible to not ever like dive into that part of our marriage. But he was really good at it. He was the breadwinner. I was a stay-at-home mom for most of our marriage. I worked part-time here and there consulting, doing things. But he was the money manager. And I did not worry about it. And then he passed away and I didn't prepare myself as he was dying. You know, he had pancreatic cancer. He lived for almost two years with that. If I look back at it, I probably should have been more aware, but I was like in caregiver mode. I wasn't in let me, what am I going to do after he passes away? I was planning on him living. So when it happened, I was kind of blindsided to be honest. And I'm a smart woman. I have a degree in computer science. I had gone back to school.

I had gotten another degree in interior design and was planning on starting a business right after my last kid, he was a senior in college when I was doing this, and then John passed away. And then all of a sudden, my life had changed. And I remember one, like, really big wake-up call. I had a lot. But one, like, really struck me. And that was American Express, of all things. You know, we all count on our credit cards. They're always there for us. And I went to use my American Express card and it had been canceled. And it wasn't because of unpaid bills. It was for no other reason that I wasn't the primary cardholder and he had passed away. And somehow they figured that out.

And they canceled my card. And we had been cardholders. We had a huge limit. My husband made a good amount of money. And it was never a question. And then all of a sudden I didn't have a credit card. It was the craziest thing. And I didn't know.

So I applied. I then had to apply for the credit card. And I had like a $5,000 limit or something. It was something like very kind of appalling. And I had to work way up to it. So I started out as like an infant or like a college student, somebody who just came out into the working world and I was 58 years old. It was crazy.

A lot of other wake up calls, including like health insurance. So now we don't have a business. My husband's business folded after he passed away. I no longer have health insurance. I was starting like a child, like a person coming out of college. I was starting to know. and I figured I had to figure it all. I had no choice.

I had to figure it out. And how did you do? Who did you turn to? Or did you have a business advisor or did you turn to anyone? Fortunately, I didn't have the problem that I didn't have money. My husband had life insurance. So I had money. I just didn't know how to use it.

And I didn't know how to use it smartly. Like I didn't know what I should be, you know, investigating. I didn't know. I was like, I need health insurance. Like, how do I go about doing that as a person that doesn't have? no longer has a business to rely on, never had that problem before. You know, I needed a credit card. I needed, I needed to buy a house, by the way. Right, right, right. When John got sick, we moved to a townhouse that I rented because I needed an elevator for him. He couldn't go up and

downstairs. So I was renting a home and now all of a sudden I have to buy a house and I have credit. So crazy stuff. It's not that I didn't have money. I had money in the bank. I had $5 million. Of course. Right, right, right. And you can't, they don't care if you have money in the bank. They care if you have a credit score. If you can pay a mortgage. Do you run into this a lot, Haley? Like, have you seen this type of scenario? Is this a common thing? What can people do?

Yeah, I mean, it's so interesting because I feel like a question that I get asked a lot. It's pretty generic, but it's like, who's your work for? And I feel like they want me to be like, you know, 20 to 30 year olds, like, you know, but the truth is that the women that I love helping the most are the ones just like you, Joan, who are starting over. like those are the stories that mean the most to me and that I get a lot of. And look, like, I'm a bit younger than you. Like, even in that generational shift, women have taken so much more control of their finances. But we have to remember that, you know, we weren't even allowed

to have credit cards till 1974. Like, really, in order to have any upward mobility, you had to marry a man. And you basically went from belonging to your parents to, to them belonging to someone else. And it was quite the norm to, you know, be passive about finances. But yeah, I hear this, you know, what I'm really hearing is that you had a money aha moment, which is something that I talk about in the book. And that could happen to someone. It happened to me in my 20s.

But it could also happen when you're 58 and your husband passes away, which I'm so sorry. But it's like, you know, whenever that happens, the most important thing, and it sounds like you did this, is to hit it head on. But I would say, like, to anyone listening, if you're in a relationship and you are in the dark about your finances, A, it's very important to have a plan about what happens when your spouse dies. And it's not a sexy thing to think about, but I actually have a resource called the seven documents that you need in case you die that you get when you pre-order the book. And it has all the this information. And I feel like no one just ever says to you like, hey, Joan, like, here's what you need.

You need a pod for so you can get access to the bank account. You need a Todd. So you can get access to the, uh, to the investment accounts. You need a will. Do you have, do you need a trust? Like, you know, you need to make sure that you're even things like digital, um, responsibility. Like there's a feature on the iPhone that lets you, um, have access to someone's, digital life if they pass away, which is like, I have a friend who's going through that right now. And it's really hard to like track down everything digitally from the person who's, uh, who passed away. But it's like, you know, there's a lot of logistics with death. And you were in a great, a really, uh, you were in a position that I think a lot of people would wish for, which was that

you had money. But what happens with a lot of people is that they don't know what's going on. and then they're not only are they grieving, but they're also dealing with the fact that they have a lot less than they ever expected, and they're also having to, you know, come to terms with that reality. Yeah, well, surprisingly, like it sounds like I had like a good amount of money, obviously I did.

But I actually went back to work because I felt like I didn't have enough. And I also wanted access to health care. When you're 58, like, help is important. And, you know, it's like a sad reality because that's when you're going to start needing it. and certainly my husband did. And so I went and got a job because I thought, well, I don't want to have to just rely on this income that I have, like this investment income. I need to be more proactive about my future. I'm only 58. And this needs to last me a really freaking long time. I'm hoping.

I love that. I love that about you. You just, life has just started. You know, there really is, no, it's not too late for anything. It's really not too late. And I mean, and to enjoy, you know, you work your whole life. So my husband and I worked our whole life. We raised our four kids. We had our last kid in college. And like the goal is like you have resources now. You've worked. You've built this life together and you're going to like travel and buy that second house and do all these things. And then all of a sudden he was gone. And all of this stuff that we saved for now was now just going to have to keep me alive, you know, keep me. He was going to continue working. So we were going to have all these great resources. Now like that income like the income source stopped. And now I

had to plan for this fixed amount of income that I had never done before. Yeah, the dream really changed. Yep. Thanks for sharing. Back to you, Haley. Before marrying somebody, what should every couple, you think, like, experience? Should there be a five-year plan? Should there be a retirement plan? Should there be joint accounts? So I really believe in having a joint account, but also having individual accounts, because I just think that it's so important to be able to leave if you need to, even if it's like your dream relationship. Like I share a story in the book of someone who was in a relationship that she thought was her forever.

And then it really took a turn. And because she had that money on the side versus doubling down on the funds that they had together, she was able to basically like save her own life and get what she called a freedom apartment. And so for me, I also like I make my own money and I really like making my own money. And so I think that like I would just never want to be in a position where I had to ask anyone or justify any of my purchases because it's like I work hard. I make good money. Like I don't want to have to ask for that. But I do think that like when your life becomes entangled with someone, you need to treat it like a business. So it really is about setting up a structure. So what does that mean? It means a you're having

money dates. Money is a relationship. And just like any relationship, if you don't spend time with it, then it's never going to blossom. It's never going to get deeper. It's never, it's actually going to get worse. Relationships get a lot worse if you're never together. And so you need to do that with your partner. But I also think there's something so amazing about having a partner financially because it gives you someone to build with and dream with and not that you can't do that on your But I think that like it doesn't have to be something that makes your life smaller. It can actually be something that brings you so much wealth and like helps you expand your financial horizons. But like you need to normalize talking about money and make it something that you do together even when you don't want to.

Kind of how soon into a relationship do you think is a good time to have those conversations because they're super uncomfortable. I mean, if you think about like why is it easier to talk about sex and it is to talk about money in a relationship. I mean, it's difficult. I still have a hard time talking to talk about. I'm engaged. Wow. Okay. Love that.

Congratulations. Thank you. You know, I'd say the right time is usually when you're at one of those crossroads, like, you know, you got to the point where it's like you're going to move in together. You're engaged. You're getting a dog. Like where things got a little bit more complicated, you know? And but the thing is, is like, whenever you tie your finances to someone, like even if you're

not married to someone, but say you're dating them seriously. And so you guys are like, okay, like, we should get a credit card together because like then we can, you know, use the bonuses to travel and we're always going to dinner together. And like this makes sense. We've shared expenses. But it's like when you do that, then say that person defaults on the credit card, it's on you. So you never, you always at the end of the day, go into this life and we leave with one person and it's ourself. And a lot of people get confused in relationships and lose that plot. And so you... Nothing is forever. But also, yeah, exactly, nothing's forever. Statistically, women outlive men. So it's like, you know, most women are going to go through some version of what Joan did where it's like, you know, you have to deal with the consequences of what you've been avoiding.

That's the key. You're going to have to deal with it at some point. So you should really start to think about it. Yeah, deal with it throughout. Cheryl, it seems like it happened to you. The way that you were agreeing with what she was saying. I'm not sure if you got experience with this. I mean, no, not not to that extent.

I mean, when I was married, we kept everything separate for the most part, right? So we did start something, but it was like, you know, I wasn't married from very long, as you know. So that didn't really mean anything, to be quite honest. But yeah, everything was pretty much separate. And I mean, yeah, that's all I could say. And that was intentional. Yeah. Yeah.

Maybe there was like a part of you that knew it wasn't forever too. It's my parents. My mom is like, he's a business woman. So she instilled all this in me. And she was raised very, very poor in the Philippines and created a business and a life for herself on her own and was raising me as a single parent. And so she has lived every part of life from not having food to, you know, obviously now very wealthy. but that took a lot of work. And the one thing that she's always instilled in me

since I was just don't ever depend on a man for money, period. I feel like we're talking about, we have such good conversations about single women and people that have, you know, starting their dating careers together. I am in the chapter of life where, like, you've, you know, maybe have lost a spouse or maybe you're divorced and you're going on to, like, your chapter two.

And I have a scenario because I certainly have friends, that are like kind of dating men and they're in their second chapter of life. What if you're a dating man and he is in chapter two and he's always had a great career, but his ex-wife took him to the cleaners and their divorce. And now he's back at square one and has racked up a bunch of credit card debt. And if you were to make, and if you were to make things more serious, would you have to take on his debt? How does that work? If you marry him? Yeah, if you marry him. It depends. state you're in. Where state you are in it? Yeah, show knows. It depends on what state, but to me, that sounds like a guy with money trauma. That sounds like you should run for the hills.

Yeah, and someone, yeah, someone, I sort of agree because it's like it's just the way that it was worded, it feels like someone who's looking at women as a villain and is going to maybe want to like get revenge on women just in general from what they went through versus really wants to build out of a place of integrity. A win is a win. A win is a win. I don't care what I'm saying.

Yep, that's me, Clifford Taylor the 4th. You might have seen the skits, the reactions, my journey from basketball to college football, or my career in sports media. Well, somewhere along the way, this platform became bigger

than I ever imagined. And now I'm bringing all of that excitement to my brand new podcast, The Clifford Show. This is a place for raw, unfiltered conversations with some of your favorite athletes, creators, and voices that not only deserve to be heard, but celebrated.

One week I'll take you behind the scenes of the biggest moments in sports and entertainment, and the next we'll talk about life, mental health, purpose, and even music. The Clifford Show isn't just a podcast, it's a space for honest conversations, stories that don't always get told, and for people who are chasing something bigger. So, if you've ever supported me or you're just chasing down a dream, this is right where you need to be. Listen to The Clifford Show on the IHeart Radio app, Apple Podcasts, or wherever you get your podcast. And for more behind the scenes, follow at Clifford and at TikTok Podcast Network on TikTok.

There's two golden rules that any man should live by. Rule one, never mess with a country girl. You play stupid games, you get stupid prizes. And rule two, never mess with her friends either. We always say that trust your girlfriends. I'm Anna Sinfield and in this new season of The Girlfriends Oh my God, this is the same man

A group of women discover They've all dated the same prolific con artist I felt like I got hit by a truck I thought how could this happen to me? The cops didn't seem to care So they take matters into their own hands I said, oh hell no I vowed I will be his last target

He's gonna get what he deserves Listen to the Girlfriends Trust me babe On the IHeart Radio app, Apple Podcasts, or wherever you get your podcast. What's up, everyone? I'm Ego Wode. My next guest, you know from Step Brothers Anchorman, Saturday Night Live and the Big Money Players Network. It's Will Ferrell.

My dad gave me the best advice ever. I went and had lunch with them one day, and I was like, and Dad, I think I want to really give this a shot. I don't know what that means. but I just know the groundlings. I'm working my way up through, and I know it's a place that come look for up-and-coming talent. He said, if it was based solely on talent, I wouldn't worry about you, which is really sweet.

Yeah. He goes, but there's so much luck involved. And he's like, just give it a shot. He goes, but if you ever reach a point where you're banging your head against the wall and it doesn't feel fun anymore, it's okay to quit. If you saw it written down,

it would not be an inspiration. It would not be on a calendar of, you know, the cat just hang in there. Yeah, it would not be... Right, it wouldn't be that. There's a lot of luck. Listen to thanks, Dad, on the IHeartRadio app, Apple Podcasts, or wherever you get your podcast. This week on the Sports Slice podcast, it's all about the NFL draft, and we've got a special guest.

The director of the NFL's East West Shrine Bowl, Eric Galco, joins the Sports Slice podcast to break down what really matters when evaluating draft process. prospects, from hidden traits teams look for to the biggest mistakes franchises make to the players flying under the radar. This is the insight you won't hear anywhere else. If you want to understand the draft like an insider, you don't want to miss this episode. Listen to the Sports Slice Podcast on the iHeartRadio app, Apple Podcasts, or wherever you get your podcast. And for more, follow Timbo Slica Life 12 and TikTok podcast network on TikTok. Let's talk about money trauma because it is an actual thing. I mean, it's not just a,

we're not just throwing that phrase around, right? Because it is. You can live in scarcity. Like my mom did. And my mom, I have to say still does because she will always feel like she's poor no matter what, right? Like she will walk by a penny and she will literally pick it up because every penny counts. And like that's just,

and as she's getting older, you know, it's like she's turning even worse into that, you know. So how can you break that trauma? how can you do that if you say I guess however like if you were raised with frugal parents if you were raised with people it's generational trauma right like it's more psychological it's like you know it's psychology but have you experienced this haley yeah so actually in my book future rich person

i start the book the first part of the book there's four parts is mindset um and it's called part one face it because i can teach you anything about money I can teach you about index funds about emergency funds about debt pay off about investing but none of what I say is going to stick if we do not identify and fix and work through why and what is the root of your behavior that is everything that's what I always say people say oh should I get a therapist or a financial planner and I say therapist go to the therapist first work through it because you know your behavior is going to keep reflecting your self-identity so you need to shift your self-identity to be a future rich person if you want to actually take

control of your financial life and first you have to heal right yeah you have to heal that part identify your triggers you have to calm down in the moment so much of financial um like so many financial issues are just, I think, from like lack of emotional regulation. There's a lot that you need to sort of work through. It's not that it's impossible, but it's sort of the same for anything. Like, say you're in bad relationships and you want to get in a good relationship. You'll have to work through the trauma of your past relationship. Say you want to like fix your relationship with food.

It's not just like going on a diet. It's everything, everything. Yeah, everything is you have to get down to the root and take. responsibility for yourself. I love how book you relate. You talk about your own experiences, like so freely and openly. And it kind of like we gain your trust as we read your book. I spent a lot of my weekend reading your book. And I love that. It's fun to read, right? Like it's like you actually want to write. Fun to read. I literally, so I took all kinds of pictures on my phone. I can't read them right now about like passages that I love that I wanted to like tell my daughter about.

And now they really is good. You're taught. I feel like you were a talking to a friend. And I felt like I related, like I knew all those people you were talking about. Like you, you know, you'll give some quotes about or a conversation you had with somebody and you say you and then her and then you and then her. And I feel like I'm like, I know that conversation. I had that with my daughter. You talked about, you know, that you didn't feel like you were going to be good at this because you're not a type A personality. Yeah. You have these friends that were type A and they were organized and you were the person that was going to the bar with your passport because you couldn't find your driver's license. And I'm like, I called my daughter. I'm like, oh, I just met your

like twin who my daughter still doesn't know where it's and hasn't for like three years. And he's a password to go to ours. So I felt like I did to everybody. So I'm just like giving you a plug for your book. It was just so much fun to read. You sprinkled in all this great advice. And it was almost like you were giving therapy and financial advice mixed in with a bunch of really funny stories. I really love that. You're giving me so many chills. It's like so weird to have the book like being right now. But it's that's exactly what I wanted it to be like. where it's like a brownie with spinach in it. Where it's the kind of book that you actually,

because how many times do we buy a finance book or like a self-help book? And it's like, we never actually crack it because it's like fun. The suzer. Yeah, it's like I, it feels like self punishment to do it. And it's like I, what has made the biggest difference for me.

And I would say this like about changing anything in my life is when I'm able to find a way to make the change enjoyable. And I think that like with finances, yes, there's going to be an element of cutting back and of like choosing your hard when you really want to improve your financial life. But there's also so much possibility. And I think especially for, you know, your audience, people who are really looking to start over. And you guys are both great examples of this. Like just the abundance of opportunity and how surprising life can be and how much you can actually shift things and that they are in your control. And like that's why I talk a lot in the book about learned financial helplessness because

especially right now like economically, you know, the housing market is so messed up. The student loans are so high. Since 2020, wages have increased 7%, but inflation has increased 67%. Like there's so many reasons why not. But the ones who win are the ones who understand that the game was not built for everyone to win. It was actually built by the people who are winning to keep winning. But when you learn the rules, which is why I wrote the new rules of building wealth, then you two have the opportunity to get a seat at the table no matter where you're starting from.

I would love that. Figure out how you figured all this out. You don't have a background in it. You were in media. You had a really cool career that wasn't making you any money. And you looked at your life and you're like, okay, this isn't working. How the heck do you start this? career how do you become you because it seems like such an aspiration that most of us could

never even think about it's so funny it's like the I would it when I started influencing was not a thing and so like every thing you and I think the both of us yeah I can say the same yeah and so it's it came from a place of like where I'm patient zero and I needed to help myself and so And I thought in my head, oh, okay, there's definitely other people that feel like this. And I wanted to make a difference. But like it really, I think that when you create something from your like deepest wound, that's where the magic really comes. And so like that's how it all happened.

But I also think that like, you know, thank God I never worked in finance. Like thank God that it's like that I that I, that I have the career before this that I did. because doesn't that just prove that anyone can do it? Like, that's sort of what I try to get across in the book, too, where it's like, yeah, I am the girl with the password at the bar. I'm not walking on an incline with my, like, meal preped chicken and hair washing schedule. Like, I was on a date last week and my hair caught on fire. Like, the foul.

And I run a multi-million dollar business, girls. Like, it's like, how did that happen? Oh, my, I mean, we were leaning over to kiss. There was a little candle. It was, I've got extensions in. If that's not a sign, I don't know what is. I'm kidding. That is so funny.

I love, see, now her book is sprinkled through the whole thing with these stories, like her Adderall addiction. I love that. I wouldn't be surprised if that was vodka right there. I mean. I know. It looked like it actually. Yeah, I kind of take a swig.

It's past five o'clock, right? I know. Oh, yeah, I'm drinking vodka right now. Yeah, exactly. I'm drinking like a $13 water from here. I was like, you're just killing it. That takes. Or at least my wine, I don't know.

But you're just so relatable that nobody. Like, you don't intimidate us. I don't feel like you have this Harvard degree and you're telling us how to do it in a way that none of us could do it. You are the one that's drinking the vodka on the podcast. I'm not drinking. I'm drinking of water. But I, but I, next time I see you will have a martini.

But I, you know, I love a martini. But I do feel like that that there's, you know, there's a lot of financial experts out there that make you feel like you have to be a certain way in order to do this. And it was really important for me to be like, no, you just have to be you. And like it's actually you don't even, you just need systems. Like that's the biggest thing too that I talk about in the book. That's been the biggest reason that I become a millionaire is like automation. And you know, also forcing myself sometimes to do shit I don't want to do.

Like I say in the book, I have a money date every month. It's really important. I never want to do it. I never want to do it. I force myself to do it. But then once I do it, I'm fine. It works. What's a money date?

So it's a threat time. So money's a relationship. If you don't spend time, you know, with someone or something in a relationship, the relationship's going to go to shit. But most people manage their money off of vibes. Like they're avoiding their bank statements. They don't look at their credit card bills. They're sort of just like, you know, grin and bearing it and swiping it and hoping for the best.

They're forgetting about packages that they need to return. They're, you know, they have subscriptions. They didn't cancel. They're not on top of it. Subscriptions. Yeah. Yeah. And it just feels so overwhelming.

And I think that it is every day something that will weigh on you. So you need to create a system where you have the time set to take care of it. So then you give yourself the freedom and the energy to live your life without that weighing you down. Like it's actually the way to like live a better life. And so yeah, it's just set time every month that I review my finances that I take care of all. That's great. Those financial tasks. Yeah, I open my mail.

Like all the shit that I don't want to do happens then. And once I'm doing it, you can make yourself do anything and you start and you're going. And it's not that bad, but it's like... Not that scary. I think people are just scared. Oh, my God. It's not scary at all. And what you realize also, too, like, I think that's what's so interesting about this whole idea of, like, financial dependency for women is like actually, like, the most feminine cool thing is the being in control of your finances and having, like, the power to choose your own life.

Like, being able to, like, make your own decision. to say no to shit that doesn't serve you, to buy yourself what you want. To walk away if you need to walk away. To travel, to like take care of the people that you love. Like this is, you're the first generations of women who even had that opportunity. And it's like I take it so seriously for us to take advantage of that and to embrace it because, you know, the patriarchy doesn't want us to be in control of our finances because it keeps us dependent.

And if a man feels emasculated because of it, that's not your problem. That's his problem. You know, it's funny. I had that conversation with one of my first dates with Chuck. So Chalk, as the person I met on my season of the Golden Bachelorette, Haley, in case you don't know. And so he was, on one of our first dates, on TV, on camera, I made a statement about, like, being financially secure. And I think I mentioned a number to him. And later on in our, after we were engaged, he said, why did you tell me about that?

Why did you mention that, like on one of our first dates? I said, because I wanted you to know that I didn't need your money and that I wasn't in this for money. And I just put that out right away and let's just move on from that because I never ever want to be dependent on a man. I had that at home when I was married and now I'm financially independent and it feels really good to know that I can get my own American Express now, even though I'm afraid to open the statement up pretty much every month that it comes. It sits on my counter for like five days. But I know that I got the app, girl. And then if you have the app and it's in your like digital wallet, it makes.

makes it so much easier, but like it's, why is it so scary? Like, it's like, you, you're smart girl. Like, it's like, this is seventh grade math. Like, we have been so conditioned. We have been so brainwashed. It is not that hard. It's not that scary. Put on a song you like, you can drink your vodka

out of the bottle, whatever takes to get there, do it. Because- I think what's scary though in Joe's defense is like, is just like, you know, what I spend a much- We like to buy stuff. Yeah, tell me about it. I bought all of Sephora during the Sephora Savings event just this past week.

I know. Isn't that so funny the Sephora Savings event and everyone is like... Well, it's not even that much you're saving. You're done. Yeah. I know. Let's talk about investment options quickly. Are luxury goods ever a good idea?

Like, bronzer versus a Chanel bag? Oh, my God. I like, I totally fell for the, all the Birken stuff. Oh, I haven't done that one yet. I haven't gone on there. I haven't invested in that. Yeah. They're not invest. Look, here's the thing.

You can sell it, no? So here's my issue with it, is there's a lot of, like, media hype around Burkins being as good of an investment as the stock market. Oh, my God. Really? Yeah. Oh, my God. It's everywhere where they're like the Burk, Burkens will beat the S&P 500.

And the truth is, it's like, if you're getting the, like, Lauren Sanchez special where it's, like, the most rare ass Berkin in Paris and you're like never actually wearing it and it's hermetically sealed and then you resell it and there's like three of them in the world, great. You're going to make a huge return because if you sell it. Yeah, but also any good that is in demand that is so scarce and in great condition is going to hold its value or increase. But the Berkin resale market is flooded with inventory and you will make some of your money back for sure, but it's not an investment. And I think that it's crazy to have normalized $25,000 handbags as this, like, savvy financial choice when really that's a fashion choice. And I love fashion. Don't get me

wrong. But it's how you view it. If you're getting a burkin because you love it. It's cute. You want to wear it. Great. But it's not, none of these bags are investment pieces. They will maybe hold some of their value. But it's like you're maybe going to hold like 50% of the value. I mean, I am very clued into the luxury resale market. I used to flip a lot of bags. And like, it's a whole- Lips bags. What do you mean?

Oh, my gosh. I would go to Japan. I would go to Paris. I would buy rare bags. And then I would, this would be like if the dollar was really strong in Paris, and I would go and find vintage Chanel bags or whatever. And then I would bring them back.

How fun. So fun. And I love wearing them. Like, it's like, I have a fabulous bag collection. And like, that's like something that's, like, something that's, just like is fun in my life, but it's not something that I look to as a way that I'm building wealth for my future. That's what my stock portfolio is for. So I don't think it's kind of like girl

math. Like we don't need to fool ourselves. If we want to get a bag and we can afford the bag, get the bag, get the bag and enjoy the bag. Yeah. No, no need to justify it. Some things are just frivolous fun and like I'm, I fall for like all the girl stuff. Like, you know, I like to get my nails done. I like makeup. I like my hair. I like clothes. Like it's all a pink. attacks and I don't know makes me feel good. It makes me feel calm. And if you can write it off, great. Yeah, and I write off a lot of it.

Exactly. A win is a win. A win is a win. I don't care what you're saying. Yep, that's me, Clifford Taylor the 4th. You might have seen the skits, the reactions, my journey from basketball to college football,

or my career in sports media. Well, somewhere along the way, this platform became bigger than I ever imagined. And now I'm bringing all of that excitement to my brand new podcast, The Clifford Show. This is a place for raw, unfiltered conversations with some of your favorite athletes, creators, and voices that not only deserve to be heard, but celebrated. One week, I'll take you behind the scenes of the biggest moments in sports and entertainment,

and the next we'll talk about life, mental health, purpose, and even music. The Cliverts Show isn't just a podcast, it's a space for honest conversations, stories that don't always get told, and for people who are chasing something bigger. So, if you've ever supported me, or you're just chasing down a dream, this is right where you need to be. Listen to the Clifford show on the IHeart Radio app, Apple Podcasts, or wherever you get your podcast. And for more behind the scenes,

follow at Clifford and at TikTok Podcast Network on TikTok. There's two golden rules that any man should live by. Rule one, never mess with a country girl. You play stupid games, you get stupid prizes. And rule two, never mess with her friends either. We always say that trust your girl, I'm Anna Sinfield, and in this new season of The Girlfriends, Oh my God, this is the same man.

A group of women discover they've all dated the same prolific con artist. I felt like I got hit by a truck. I thought, how could this happen to me? The cops didn't seem to care. So they take matters into their own hands. I said, oh, hell no. I vowed. I will be his last target. He's going to get what he deserves.

Listen to the Girlfriends. Trust me, babe. on the Iheart radio app, Apple Podcasts, or wherever you get your podcast. What's up, everyone? I'm Ago Vodam. My next guest, you know from Stepbrothers, Anchorman, Saturday Night Live, and the Big Money Players Network. It's Will Ferrell. Woo, woo, woo, woo, woo. My dad gave me the best advice ever.

I went and had lunch with them one day, and I was like, and Dad, I think I want to really give this a shot. I don't know what that means, but I just. just know the groundlings. I'm working my way up through and I know it's a place they come look for up and coming talent. He said if it was based solely on talent, I wouldn't worry about you, which is really sweet. He goes, but there's so much luck involved. And he's like, just give it a shot. He goes, but if you ever reach a point where you're banging your head against the wall and it doesn't feel fun anymore, it's okay to quit. If you saw it written down, it would not be an inspiration. It would not be on a calendar of, you know, the cat just hang in there.

Yeah, it would not be... Right, it wouldn't be that. There's a lot of luck. Listen to Thanks, Dad, on the IHeartRadio app, Apple Podcasts, or wherever you get your podcast. This week on the Sports Slice podcast, it's all about the NFL draft. And we've got a special guest. The director of the NFL's East West Shrine Bowl, Eric Galco, joins the Sports Slice podcast to break down what really matters when evaluating draft prospects.

from hidden traits teams look for to the biggest mistakes franchises make to the players flying under the radar. This is the insight you won't hear anywhere else. If you want to understand the draft like an insider, you don't want to miss this episode. Listen to the Sports Slice Podcast

on the iHeartRadio app, Apple Podcasts, or wherever you get your podcast. And for more, follow Timbo Slice of Life 12 and TikTok podcast network on TikTok. So how about like vintage cars? Like if you were, I'm aging myself, but Jay Leno. Oh, yeah. You know, it depends on the car.

Yeah. It's like, you know, watches can actually be a really good event. Yeah. Right, like a Rolex. Yeah, or, you know, like a... But you know what? Actually, no. My father passed away and he had a few Rolex watches.

And honestly, I didn't even end up selling it because they were giving, offering shit for it. So I think it all depends on the asset and how it's demand. True. True. But, you know, the best place to put your money is in the stock market. And like trying to get rich quick in all these other ways is just going to be something that ultimately prevents you from investing to your full ability. So can we talk about something like totally less glamorous?

But I know that a lot of listeners are single moms. And right. I mean, how can you remove the overwhelming feeling? of saving for your future and your kids' future if you only have one income. It sounds impossible. That's really hard. But what I will say is like you have to put your own oxygen mask on first because kids can take out loans for school, but you cannot take out loans for retirement. And so it's like, you know, sounds awesome to, you know, give you.

your kid, everything that they want and all these things. But A, financial boundaries are so important for children, teaching them the value of a dollar, showing them what you're working for and including them in that process, I think is like so inspiring. But also don't prioritize their future over yours because then you also perpetuate a cycle of, uh, in, like a family money cycle where then they will have to do that with their kids because they will have retirement funds and then they'll have to rely on their kids for it. You know what I mean? So break the cycle now. Yeah, break the cycle now. So much easier said than done though, isn't it? So much easier said than done. I bet. I think it really depends on your community too. Yeah. It's really hard if you're in,

you know, a neighborhood where people are in a different socioeconomic venue because then it like puts so much pressure on what's normal. But, you know, single moms, like that is truly. they are doing God's work. Like that is such a hard position to be in. And I just think like, yeah, you've already given up so much to take care of that child. Like don't give up your future too. You know? And by just taking care of them and getting them out the door and like literally like,

like that's giving them a huge leg up from everyone else. Yeah. And preparing them maybe go to college and then they break the cycle themselves. They go and get a great education and can. support themselves and you're good. Thinking about being a bomb, and I have four kids, they're all grown. I never actually got them credit cards, but I know that people talk about getting your kids a credit card so they can start building, well, certain some, you know, things that I ended up

not having. I didn't have any credit. And so, like, do you recommend that or when do you recommend it at what age? Like, what is the scenario that that is good? Yeah. So what you're, you know, it's so interesting that you ask that, Joe, because I'm. like you obviously were someone who really got the short end of the stick for not having a credit history. So you understand firsthand how important it is to really build that credit at a young age.

And so what you're talking about is adding someone who's under 18 to your card as an authorized user. And for many credit cards, they have a limit that you can only do this when the child is 16, but there are some cards where you can do it when the child is much younger. And it doesn't mean that you have to give your child that card to use, you could put like your Netflix subscription on it and put it on auto pay and stick it in a drawer. And they never need to know about it. But it will begin to build their credit histories that then they could get, instead of getting a starter card, they could get a rewards card. Or if they need to rent their first apartment, they'll be able to do it.

Like it just gives them, you know, they need to get a loan for a car. They're going to get a better rate. Like it gives them a little credit score is basically your financial GPA. So it's like, it's your score. It's like it tells lenders how trustworthy you are with money. So like for you, Joan, when you didn't have a credit history, they were like, fuck no, I'm not giving that girl a mortgage. Like she has no, there's no one can attest that she's going to pay it back. Right.

I'm staying hell out of Dodge, you know, so we need, it's like a track record that shows like, okay, you're someone who it's good for the banks or whoever's lending the money to do business. with. And so, yeah, you can absolutely set your kids up with a card. I think that's an excellent idea. There's also a lot of other great hacks in the book for how to build generational wealth, because, you know, if you do have even like $100 a month to put towards your children to their future, I mean, like I said, you have to put your own mask on first, but that little, you know, $100 could $50 over time with compound interest can grow so exponentially. So this is where I'm, I'm saying, it's so much about understanding how things work versus even having so much money or like, you know, any sort of other sophistication. Like, we just live in a system where it's never taught.

And so that's why the book is so powerful because it gives you these sheet codes that, you know, you can use to really get ahead in life and to put your children ahead too. Yeah, yeah, yeah. Can I ask you a question? I know that you had kind of indicated that the stock market is, gives you the best ROI. I know in your book you talked about really basic things like making sure that you have a savings account that is, or a bank account that is not charging you all kinds of fees and then having a savings account so you actually earn some interest on the money you have in the bank, and a decent one, not one that is giving you like a 0.04% return or whatever. But I have a question about investing. Okay, so let's say that you want to invest in the stock market.

I'm already in it. I'm asking this as a general question because I have like a stockbroker. But like, what kind of fees should you expect? What ones are reasonable? Like you talked about this in banking, but I maybe haven't gotten to that point in the book yet. But do you ever talk about it when it comes to investing in the stock market, what are the reasonable fees to pay? Yeah, it's such a good question, Joan, because it's like fees really are the killer of profit. And people don't understand usually their fees with these advisors. And so what I talk about in the book is how there's two kinds of two different fee structures with financial advisors.

So one is a percentage of what you're earning. And then the other is hourly. And I think for most people, an hourly sort of just planner is really all that you need because you can do it on your own. But sometimes it's nice to have someone like tell, you know, set out the plan for. you maybe you want you want something that's like a bit more in depth but then you're able to go and like make those decisions on your own um but you know fees can get crazy like i've seen like and that when you look at it over 10 20 years it's like it could be tens of hundreds of thousands of dollars in profit easily really look for like one percent now how about for those who are in like um the entertainment

world where you have business managers and you know like at the end of the day I don't do taxes and I never plan on doing them in that sense. Yeah but I mean me too I have a I have an accountant for sure and they're so like they help me optimize so much because that's like being a business owner and also that's the other thing in the book is like I really break down how to start your own business because like we are the biggest generation of business owners and no one sits us down and says, hey, here's what an S-C is, here's what an LLC is, here's what you put away for taxes. I mean, mind you, this is not just the entertainment industry.

My parents have one. Like, it's like, you know, you do get help. Yeah. You get help, but I'm saying like the actual structure of like a, like a business. Like we all romanticize, oh, we're going to start a business. But it's like no one actually ever tells you here's not do it in the best way. So that was so important for me to include because the majority, of people who read this, I feel like are not majority, but like a good amount are going to not be

working in corporate, but actually be working for themselves. But you know, like 15%, I would say. Is normal. Yeah, I'd say 15, maybe 20, but like 15. Don't be paying 30. Yeah. I mean, I think people would not, I wouldn't pay over 20 to be honest. Like I would like for me, I'm paying 15 to my business manager, but he's sort of like my business partner. So it feels like, of course. You're still the CEO. Yeah. And I really believe also like he worked so hard.

I believe so deeply in paying people well because like there's just such a bigger cost to having to complete someone than there is to making sure they stay. And so if I love working with someone like and they're doing a great job, like I just, that's not something I will ever be stingy on. Like I just like my business has to be doing better than for me. to be worrying about like giving you the raise that you deserve. That's not where I would ever cut costs. Haley, I can't believe this.

It went really fast, this whole conversation. Thank you so much for your time. But I want to let's plug the book again because I can't wait to read it. You're going to like it, Cheryl. I want, will you DM me when you start reading it? Of course. Are you going to do an audible version? Yeah, yeah.

One thing I'll say about what's really cool for your audience is that if when you pre-order the book, you get $700 worth of freebies. So the book is like $30, but then you're getting all these extra guides, AI tools, generational wealth planners, credit card tool, like everything that you need to be a future rich person comes when you pre-order. Because I really wanted to make it like, you know, just so valuable for people. And so if you're listening and you're intrigued, definitely pre-order. And you could pre-order the audible, which is so helpful too because and I read the whole thing it's so fun I'm a big audible girlie too but I will say there is something nice about getting the

physical book and then you highlight it and you there's I have checklist at the end of each chapter of like the action steps that you should take but you know that come with the audible as well yeah you can download it you'll get a PDF I love the action I love how you like kind of organize the book each chapter like I kind of know what I'm going to get at the end that I'm going to get the check list. So if I'm not, like if I'm reading it for pleasure, but then, like, you know, one in the end to have the kind of notes, they're kind of at the end of each chapter. So it's really, really good. You did a great job on this book. I have to say because I am not one to read a finance book. I have to hear you say that. Like, again, I have chills. I'm such a loser. But like I. I, it's amazing. That's what I, like, when I was reading, when I was writing a, like, that's what I wanted. Like, I wanted to be like the person who's like, I've never read one. Like I don't know if I, if this is. It's amazing. It's amazing. I don't know if I, if this is. me like like and just be like damn i'm i'm bodying this i'm one thing and it's fun and i'm learning and like that makes me really happy so i'm so grateful thank you is this your first book my first book

i'm hoping it's i think it's like people are going to really like it like it's yeah and i yeah i think that it will be something that you like passed to your friends like it's uh you know because we need this there's not financial advice out there in this way um and also like i do believe like the caliber of the advice that I gave is so sophisticated. Like, it's so approachable, but it is the best advice out there. And that's why I've been in the game for so long is because I'm so trusted in that way. Like, I don't let people down. Like, it's always correct what I say.

It's like, I say in the book, I'm your financial dominatrix. And she goes on and on about that, which is really funny. It's, there's like a whole like, like sexual innuendo in the whole, like that whole paragraph that is hilarious. I love that. I mean, I feel like I can trust you for sure. You're just straight to the point, and I like people like that. So where can people find you?

You have a podcast. I started listening to it, and I'm hooked. Okay, good. Financial tea. It's out every Thursday. If you want to pre-order the book, go to Mrs. Dow Jones. com slash book, and you'll get all those freebies. And, yeah, I'm on social media as Mrs. Dow Jones.

I'm posting videos every day to help you get rich. Are you in Chapter 2 and finding out it's a lot harder than you thought it would be? Well, we're here to help. Send us an email or leave us a voicemail. All the info is in the show notes. Follow us on socials. I do part two and IHeartRadio podcast where falling in love is the main objective. A win is a win.

A win is a win. I don't care what you're saying. Yep, that's me, Clivert Taylor the 4th. You might have seen the skits, my basketball and college football journey, or my career in sports media. Well, now I'm bringing all of that excitement to my brand new podcast, The Clifers Show. This is a place for raw, unfilled

of conversations with athletes, creators, and voices that not only deserve to be heard, but celebrated. So let's get to it. Listen to the Clifford show on the IHeard Radio app, Apple Podcast, or wherever you get your podcast. And for more behind the scenes, follow at Clifford and at TikTok podcast network

on TikTok. This week on the Sports Slice podcast, it's all about the NFL draft. And we've got a special guest. The director of the NFL's East West Shrine Bowl, Eric Galco, joins the Sports Slice podcast, to break down what really matters when evaluating draft prospects.

From hidden traits teams look for to the biggest mistakes franchises make to the players flying under the radar. This is the insight you won't hear anywhere else. If you want to understand the draft like an insider, you don't want to miss this episode. Listen to the Sports Slice podcast on the Iheart Radio app, Apple Podcasts, for wherever you get your podcast. And for more, follow Timbo Slica Life 12

and TikTok podcast network on TikTok. In 2023, Bachelor star Clayton Eckerd was accused of fathering twins. But the pregnancy appeared to be a hoax. You doctored this particular test twice, Ms. Owens, correct? I doctored the test ones. It took an army of internet detectives to uncover a disturbing pattern. Two more men who'd been through the same thing. Greg, a lesbian.

Michael Mancini. My mind was blown. I'm Stephanie Young. This is love trapped. Laura, Scottsdale Police. As the season continues, Laura Owens finally faces consequences. Listen to Love Trapped podcast on the IHeart Radio app, Apple Podcasts, or wherever you get your podcasts.

When a group of women discover they've all dated the same prolific con artist, they take matters into their own hands. I vowed, I will be his last target. He is not going to get away with this. He's going to get what he deserves. We always say that trust your girlfriends. Listen to the girlfriends. Trust me, babe, on the Iheart radio app, Apple Podcasts, or wherever you get your podcasts. This is an IHeart podcast.

Guaranteed human.