Price of Avocado Toast

06/09/2024

𝐂𝐫𝐞𝐚𝐭𝐢𝐧𝐠 𝐚 𝐦𝐞𝐚𝐥 𝐩𝐥𝐚𝐧 𝐢𝐬 𝐚 𝐰𝐚𝐬𝐭𝐞 𝐨𝐟 𝐭𝐢𝐦𝐞 𝐢𝐟 𝐲𝐨𝐮 𝐝𝐨𝐧'𝐭 𝐡𝐚𝐯𝐞 𝐚 𝐩𝐥𝐚𝐧 𝐨𝐟 𝐚𝐜𝐭𝐢𝐨𝐧 𝐰𝐢𝐭𝐡 𝐲𝐨𝐮𝐫 𝐠𝐫𝐨𝐜𝐞𝐫𝐢𝐞𝐬 𝐚𝐧𝐝 𝐜𝐨𝐨𝐤𝐢𝐧𝐠...similar to how a budget is a waste of time if you don't have a plan for tracking and holding yourself accountable.

Here are some questions to consider when making plans for your food budget.

Are you trying to reduce your food spending? Let us know in the comments below!👇🏼👇🏼

🌮Need a 12-month budgeting template to help you on your meal plan journey? Click HERE: https://loom.ly/df9nnTw

06/09/2024

What's the first thing you'd do? Let us know in the comments below.

Feel free to DREAM BIG, Toasties. 🤩

Thanks for the Tweet, @ Ambaaargh.

04/09/2024

🥑🥑 NEW EPISODE 🥑🥑 Everything You Need to Know about Trusts, Wills, and Probate

Today’s episode is all about the key terms surrounding what happens to money when we die. We give you some blanket definitions, share our experience going through this process, and answer some of the main questions we get from social media.

This conversation might feel heavy, but it is an important one to set the future up appropriately. Remember: this episode is for education and entertainment only. We suggest you contact a legal expert if you need any additional support.

In this episode, we chat about:
🍞 Definitions of common terms
🍞 Questions we get asked often
🍞 Our experience through probate

Listen HERE: priceofavocadotoast.com/podcast

04/09/2024

The finance bros would tell you that as long as you're spending less than you make then you'll be able to get ahead.

Yeah...no duh. But they choose to disregard everything else beyond that because it isn't as easy to talk about.

They want to talk about savings rates and investment commitments. They don't want to talk about choosing between your kid's field trip or another tank of gas this week.

It isn't always just a numbers game. If it was then it would be required curriculum inside of every math classroom. Instead, those in power choose to make it seem as though you're wrong for not knowing even though the behavioral aspects significantly outweigh the equation of it all.

Here's the truth: Spend according to your values. Trim what you can. Sometimes there are seasons of life where not acquiring more debt is a success.

When you need more support, we'll be here.
Hang in there - you got this. 💚

02/09/2024

'Cause best we can do is $3.50. 🤷‍♀️🤷‍♂️

30/08/2024

I'm pretty sure the answer is yes. 🤣

28/08/2024

🥑🥑 NEW EPISODE 🥑🥑 S*x and Money Talks with Vanessa and Xander Marin

Today’s guests are Vanessa and Xander Marin from VM Therapy. They come on to share about common struggles for couples regarding s*x, and the crossover we can see with finances. You’ll hear about some of the growing pains with relationships and intimacy while also getting some tips for how you might be able to initiate s*x that double as a financial conversation piece! Enjoy!

In this episode, we chat about:
🍞 The discomfort with initiation
🍞 Having hard conversations about s*x
🍞 The “Bristle Reaction” in s*x + money

🎧 Listen HERE: priceofavocadotoast.com/podcast

28/08/2024

This is a morbid topic, but it's absolutely necessary as you level up your personal finance knowledge.⚰️

No one one wants to talk about death. We want to tuck it in the corner and wait until we hit 90.

The truth of the matter is that 𝐢𝐟 𝐨𝐭𝐡𝐞𝐫𝐬 𝐚𝐫𝐞 𝐫𝐞𝐥𝐲𝐢𝐧𝐠 𝐨𝐧 𝐲𝐨𝐮, 𝐲𝐨𝐮 𝐍𝐄𝐄𝐃 𝐭𝐨 𝐬𝐭𝐚𝐫𝐭 𝐭𝐡𝐞𝐬𝐞 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧𝐬 𝐍𝐎𝐖.

🤔Do I have a partner or dependents that rely on my income?
🤔If I pass away, would there be any funds to help with end-of-life needs?

When deciding on life insurance, a *soft* rule is to 𝐭𝐚𝐤𝐞 𝐲𝐨𝐮𝐫 𝐲𝐞𝐚𝐫𝐥𝐲 𝐬𝐚𝐥𝐚𝐫𝐲 𝐚𝐧𝐝 𝐦𝐮𝐥𝐭𝐢𝐩𝐥𝐲 𝐢𝐭 𝐛𝐲 𝟏𝟎. That's a safe number to get an insurance quote on.

The Brown-Woods family, has 20 year term insurance, because by the end of that term, our children will not be financially reliant on our income, at a $1.5M policy for each of us. 🤑

You should be able to find plenty of insurance options or brokers in your area with a quick Google search, but if you need any more help or want to talk through the decision, we'd love to be a listening ear.

Comment below if you have any questions!👇🏼

27/08/2024

Not to mention if I paid for delivery. 💔

23/08/2024

This was ESPECIALLY true when we were educators.

Taking a mental health day or a sick day felt nearly impossible with the constant guilt from administration and the VERY limited sick days available.

Unfortunately, this is the story for many workplaces in just about every field. *Cries in Capitalism 😭*

But hey, at least they give free pizza every once in a while, right? 🙄🍕

22/08/2024

When your credit score gives you no credit for your financial wins. Make it make sense. 👏🏻

Follow for more personal finance humor 😂

21/08/2024

🥑🥑 NEW EPISODE 🥑🥑 Three Tips for Rewarding Yourself on Your Debt Free Journey

Today's episode is your game plan for building in rewards on your debt free journey! You don’t have to be miserable while you work on your finances. We give you our three tips and talk through how we coach clients to continue to enjoy their life even when paying off debt.

Toasties, this is a value-packed episode, so make sure you listen all the way through! Enjoy!

In this episode, we chat about:
🍞 Moderation, not deprivation
🍞 Scheduling your rewards
🍞 Doubling up on value time

LISTEN HERE: 🎙️ priceofavocadotoast.com/podcast

20/08/2024

While side hustles can be a great way to boost income and reach financial goals, they’re not accessible or feasible for everyone.

Not everyone has the time, energy, or resources to juggle a side gig alongside their primary job, family responsibilities, health....the list goes on. For some, the idea of taking on extra work just isn’t practical or sustainable. And that’s okay! 💖

The truth is, financial stability and success look different for each of us. If side hustles aren’t on the table for you, it doesn’t mean you’re falling short or that you can’t achieve your goals. There are countless ways to manage and improve your financial situation without adding extra work on your plate. Focus on what works best for you, whether it’s budgeting, saving, investing, or seeking out other resources.

Follow for more tips on how to healthily end your debt cycle 🔁 💸

19/08/2024

Spending money sight unseen 👀

17/08/2024

And will I spend an extra $40 to get free shipping? EVERY. TIME. 🤣

Anyone else this way?

16/08/2024

*I'm waiting* ☕️

14/08/2024

SEASON 5️⃣ IS HERE! 🎉🎉🎉

Can you believe that we're entering season FIVE of Price of Avocado Toast!?

Welcome back and HEY (if you're new). In this debut episode we share what listeners can expect this season and business moves we have coming around the corner. 👀

Thank you so incredibly much for the support. We couldn't have gotten here without YOU! Happy listening! 💚🥑💚

P.S. How many of you see the word "pivot" and think 🛋️?

🎧HERE: priceofavocadotoast.com/podcast

13/08/2024

Don't tell us we were the only ones...🤦‍♀️🤦‍♂️💐

What did you buy in the past that you wouldn't today?

Let us know in the comments! 🥑

12/08/2024

If it isn't the consequences of my own Kirkland-brand actions. 🍕🍕🍕

08/08/2024

I'm firkin melting, Sarah. That's how I'm doing. 🫠🫠🫠🫠

07/08/2024

⏪ SUMMER REWIND ⏪ Is Dave Ramsey a Cult Leader?

We are wrapping up our 6 week Summer Rewind Series with today’s episode. We are replaying all of our most popular podcast episodes, all under the theme of Dave Ramsey... because they're popular for a reason, right? 👀

This episode was originally aired on June 29, 2022 as episode 92 which was also our season two finale episode.

Today’s episode concludes the three part investigation series that looks into Dave Ramsey's company, Ramsey Solutions.

In this episode, we discuss Dr. Steven Haasan's BITE Model of Authoritarian Control and compare the model’s guidelines to previous interviews this season and our personal experience as former Dave Ramsey followers.

After tossing around the word "cult" in reference to Dave Ramsey for months, we come to a final consensus on whether or not Dave Ramsey is leading a cult.

Listen HERE: priceofavocadotoast.com/podcast

06/08/2024

Repeat after me👏 PERSONAL. FINANCE. IS. PERSONAL.

What may be valuable to you may not be to someone else and that is OK! That's call value-based spending, folks.

No room for judgement here ❌

If you need more debt free support, give us a follow ♥️ We’re here to support you without shaming you for living life on the journey.

31/07/2024

⏪ SUMMER REWIND ⏪ Defining A Cult + If Dave Ramsey Could Be One Featuring Dr. Natalie Feinblatt

We are currently in week five of our six week Summer Rewind Series. We are replaying all of our most popular podcast episodes, all under the theme of Dave Ramsey... because they're popular for a reason, right? 👀

This episode was originally aired on June 15, 2022 as episode 91.

On today’s episode, Dr. Natalie Feinblatt, nationally recognized cult recovery psychologist, joins the podcast to discuss the cult-like nature of Dave Ramsey and his evangelical personal financial empire, Ramsey Solutions (The Lampo Group, LLC).

Dr. Feinblatt explores cults from NXIVM and The Children of God to Scientology and “therapeutic” boarding schools. She has been featured on A&E’s Leah Remini: Scientology and The Aftermath, NBC, New York Magazine and more.

Listen HERE 🎧: priceofavocadotoast.com/podcast

29/07/2024

Sometimes, the best financial decisions that you make will not make sense to others and that’s okay.✌🏼

We spend $325/mo on our family’s gym membership, which includes 12 hours a week of childcare for our 3 kids ages 4 and under. For us, it’s a no brainer. If we only break down the cost by the childcare expense, this is $27/hour (assuming we went every day the childcare was open).

If we want, we can use the time to workout, take a shower, swim in the pool, use the hot tub, sauna, steam room, get ready for the day, work in the lobby, lounge, grab a smoothie from the cafe, sit in silence, get a massage… We can basically do whatever we want as long as we stay on the site while the kids are in childcare.

For our family, this is a value. Prioritizing our health is a value. 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞𝐬 𝐚𝐬 𝐚 𝐟𝐚𝐦𝐢𝐥𝐲 𝐚𝐫𝐞 𝐚 𝐯𝐚𝐥𝐮𝐞.

When something is in alignment with your values, it feels good to allocate your money there. It doesn't matter what anyone else says about that choice.

What does value-based spending look like in your life? ⬇️

25/07/2024

Gettin' paid to be a couch gremlin? Sign me up!

24/07/2024

🥑🥑 SUMMER REWIND ⏪ From Dedicated Employee To Disillusioned Anti Dave Ramsey Advocates With Amy Fritz
🥑🥑

Today’s episode kicks off part one of our three part season finale, where we do a deep examination of Ramsey Solutions.

Today’s guest, Amy Fritz, shares her story of her family's experience with Ramsey Solutions, Dave Ramsey's Company. Amy’s husband, Nathan Fritz, worked at Ramsey Solutions and made his exit after realizing he was no longer aligned with the company. After his departure, interesting things happened— including, but not limited to the Chris Hogan controversy.

And, yes, we talk allllll about it.

Listen HERE 🎧: priceofavocadotoast.com/podcast

23/07/2024

We would never recommend this style of hustle or sacrifice long-term, but we do think that it's because of this short-term drive and motivation that we were able to get to where we are now with our money.

Was it fun? No. Was it worth it for us? Absolutely.

If you go this route, this season doesn't last forever. We promise. 💚

23/07/2024

We made it into The Press Democrat! That’s pretty cool!

These locals are making a name for themselves online.

22/07/2024

And this is why we do what we do. THIS is the power of financial coaching and believing in yourself. 💪🏻💪🏻

19/07/2024

Sometimes, we gotta let it out.

Go ahead and vent below. Maybe we can offer some helpful advice or an "shoulder" to cry on.