Rich by Intention

02/09/2023

🚨New Podcast Episode🚨 We haven’t touched on prenups before. So glad could stop by the podcast.

As a three-time winner of Atlanta’s Best Divorce Attorney, Aaron Thomas is one of the nation’s top experts in family law issues. He is a 2002 graduate of Harvard Law School, and from 2015-2022, his firm Aaron Thomas Law, was recognized by peers as one of the fastest growing family law firms in the state of Georgia.

With clients ranging from NBA hall of famers and Superbowl winners to Grammy award winning artists, Aaron has extensive experience representing his clients in a range of family law matters.

As founder of Prenups.com, Aaron is widely viewed as the go-to source for writing fair prenups. He carries a fundamental belief that establishing a solid financial foundation during engagement can prevent many common marital disputes, and that fair prenups help create happy marriages.

In this episode you'll learn:

📌 What exactly is a prenup and the importance of discussing finances your partner

📌 Why modern marriage is so much more complicated for us than our parents' generation.

📌 How a prenup can help couples avoid arguments during their marriage (not just in divorce)

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- Anjie & RJ

24/08/2023

Murphy and Melissa Stewart of are a married couple that paid off $229K of debt in 5 years as a team. Through their platform Fitnfunds.com, they share their passion for a healthy lifestyle along with their personal journey to debt and financial freedom.💰

In this episode you'll learn:

📌 The steps they took to pay off over $200K of debt

📌 How they got on the same page about money

📌 How they stayed motivated to achieve debt freedom and lessons they learned

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- Anjie & RJ

16/08/2023

Mignon François is a #1 national best-selling author, entrepreneur and renowned baker who has inspired millions on her journey of going from drowning in debt to building a multi-million dollar cupcake empire – The Cupcake Collection. She leveraged her $5 to feed her family and turned it into a legacy with over five million cupcakes sold. 

She is the author of Made from Scratch: Finding Success Without a Recipe, where shares her story of finding success with no presets in place. Mignon is a sought-after speaker and is committed to equipping and empowering people to change the trajectory of their lives.

In this episode of Rich by Intention, you'll learn:

📌 How Mignon built a multi-million dollar cupcake empire

📌 The importance of taking initiative and being a perpetual learner

📌Lessons she learned building her business

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- Anjie & RJ
investing

03/08/2023

05/04/2023

🚨New Podcast Episode🚨 Do you teach your kids about money? 💰

Ebony Beckford is an author, entrepreneur, and financial literacy advocate committed to closing the wealth gap in America. Ebony's work is guided by the notion that early financial education is a key component to achieving financial independence as well as building economically prosperous communities of color.💰

In 2020 she released her best-selling children's book, Madison's 1st Dollar, which led to her starting , a multimedia company that empowers adults to teach basic money concepts to kids 3-7 through fun and engaging games, books, activities, and content. Ebony’s work has been featured on NBC News New York, Essence.com, Madammenoire.com, and other media outlets. ✍🏽

In this episode, you'll learn:

📌 Why early financial education is vital 

📌 How parents can engage their children to learn money management skills

📌 Practical tips to teach your kids about money 

Tune in! Link in our bio! 🎧

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12/03/2023

Follow us 👉🏽 Anjie and RJ | Money & Marriage]]] for money tips and motivation. It’s never too late to become who you were meant to be. Don’t let society dictate your timeline. ⏰

Everyone’s journey in life is different. What’s meant to be will be. Just keep moving forward. Get Intentional. 😊

Do you agree? Let us know in the comments.

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02/03/2023

Mandi Woodruff-Santos is the award-winning cohost of the Brown Ambition podcast and founder of the MandiMoney Makers, a one-of-a-kind leadership & career coaching community for women of color. As a career and money expert, is a regular contributor to Yahoo Finance Live and has been featured on The Dr. Phil Show, The New York Times, CNBC, CNN, Business Insider, Essence and Teen Vogue. 💰📚

In this episode you’ll learn:

📌 How to prepare financially for a layoff

📌 How to spot the warning signs

📌 How to build a brand and take control of your career

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21/02/2023

See you tonight!

Join me & LIVE tonight for the lowdown on layoffs

This is a 3-part IG live series happening Tuesdays at 8pm ET

Bring your questions! See you tonight!

11/01/2023

Hospitality trailblazer is the founder of the Vonne Group, an award-winning hotel consultant and asset manager. She’s also owner of 3 hotels, and theFounder of Vesterr, the first crowdfunding platform for hotel investments.💰

After starting as a front desk agent in the hospitality industry 15+ years ago, Davonne held various positions in the hospitality industry, including in asset management at CHMWarnick, where she managed portfolios totaling over $1 billion in hotel assets. 🏨

Today, she uses that experience to teach the Black community how to become successful hotel investors and owners. Davonne has educated over 4,000 people and provided a path to hotel ownership to many individuals across the U.S. She has been featured in Forbes, Black Enterprise, MarketWatch, and many other notable publications. 

In this episode of you’ll learn: 

📌 How Davonne got started in the hospitality industry

📌 The steps she took to buy her first hotel 

📌 How to elevate your mindset to build wealth

Tune in! Link in our bio! 🎧

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- Anjie & RJ
investing

30/12/2022

What are your financial goals for 2023? 💰👫🏾

Here are several financial goals that couples can set in 2023. What would you add to the list? Let us know in the comments. 👇🏽👇🏽

- Anjie & RJ

24/12/2022

One year of focus can change your entire life. Follow for motivation and all things money...

2023 is yours. Move forward. Get Intentional! 🏃🏾‍♀️🏃🏾‍♂️

4 steps to accomplish your goals for the new year:

✅ Write it down. Putting pen to paper is so powerful and can make your vision a reality.

✅ Keep your goals visible. Your goals should be easily seen in a place that you visit frequently.

✅ Get accountability. If you have a partner, friend, or relative that you trust and will encourage you while you are on the path, then share it with them.

✅ Take action and keep moving forward!

Is 2023 your year? Get Intentional! 😊

21/12/2022

Jeremy Schneider is a successful entrepreneur and personal finance expert! After starting an internet company in college and selling it at the age of 34 for over $5M and retiring at 36, Jeremy has dedicated his life to teaching personal finance.💰

He founded a community of champions of the individual investor who help further financial education.📚

In this episode of you’ll learn:

📌 What exactly the stock market is and why it’s important to invest

📌 Practical tips to start investing today

📌 Jeremy's journey to creating Personal Finance Club

📌 The valuable lessons he learned after selling his business for over $5 million dollars

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- Anjie & RJ

20/12/2022

There is a myriad of reasons why couples don't make time for date night, but money doesn't have to be one of them. 👫🏾💰

Reasons you should have a date night with your spouse this week:

✅Maintain intimacy with your partner

✅Discuss topics outside of work and the kids

✅Quality 1:1 time

✅Take yourself out of the daily routine and experience something new with your spouse

Blocking time out for you and your spouse is sometimes put on the back burner and not included in your budget. Here are some tips on how you can make date night a priority in your budget...

1️⃣Find areas in your budget to cut back on - Where can you reduce $20-$30 to put toward an outing?

2️⃣Allocate money from your paycheck and put it in a sinking fund - this is a good way to make sure that date night doesn’t infringe on your budget and you can still enjoy a night out with your spouse.

3️⃣Find inexpensive date night ideas - There are so many things you can do that don’t cost a lot of money

We know what it's like to be burdened by debt and wonder if you can enjoy life while trying to get your finances in order. The truth is you can. You just have to be creative and focus on what is important and that is spending time with your spouse, not how much money you spend.

When RJ and I were paying off our debt we attended matinee movies instead of going at night to save money. We frequented happy hours for good food and drinks that didn't burn our wallets. And we even read books to each other and discussed the topics...(Too cheesy? lol)

Remember, it's not about the money, it's about the time you share with one another.

Do you agree? Are date nights in your budget? Let us know in the comments. 👇🏽

Get our Couple’s Money Starter Kit! Link in our bio! 👫🏾💰

18/12/2022

Vernon Beckford is the CEO of Diversified Lending Solutions. Mr. Beckford has fifteen years of experience and leadership in investment management, debt and equity joint ventures, commercial mortgage origination, and distressed loan workouts. Concurrent with his roles at large companies, he had made early-stage investments in tech and operating businesses as well as commercial real estate. 🏡

Prior to launching DLS, Vernon spent five years on the Investments team at Global Atlantic Financial Group, formerly Goldman Sachs Reinsurance, where he helped build the Real Estate Group, which invested opportunistically in senior, mezzanine, and bridge loans, commercial mortgage-backed securities, and participated in joint ventures on ground-up real estate developments.💰

Vernon also worked at asset management firm CW Capital, where oversaw distressed workouts on loans in excess of $200 million, serving as the negotiating party with property landlords. Vernon holds a B.A. from Columbia University and an MBA from Harvard Business School.📚

In this episode you’ll learn:

📌 How he leveraged the skills he learn from his 9-5 to start his own business

📌 The different ways to invest in real estate

📌 How to invest in real estate syndication

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14/12/2022

Are you building assets or are you building liabilities?

“An asset is something that puts money in my pocket. A liability is something that takes money out of my pocket.” - Robert Kiyosaki, Rich Dad Poor Dad

When we first started on our financial health journey over 9 years ago, one of the first financial books we read as a couple was Rich Dad, Poor Dad.

Like many, that book was a game changer for us and completely changed the way we viewed our money and spending.

Knowing the difference between an asset and liability is vital and we love this simple definition.

We are intentional about putting our money toward items that will pay us or give us a return on our investment, instead of things that cost us or depreciate in value.

Do you agree?

What are some assets that you are putting your money toward?

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13/12/2022

What do you think? Which one is the most important? Let us know in the comments.

A money management and investing class would be number 1 but we would also add networking. What would you add to the list?

Get Intentional. 😊

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10/12/2022

Fights about money are a leading cause of divorce for couples, a part of our mission is to see couples win with money and work together as a team to build wealth.👫🏾

Here are some ways to combat each of the leading causes of money arguments:

1. Frivolous Spending: RJ and I each have an "allowance" to spend as we please. Each month, the agreed upon amount is transferred to our individual bank accounts. This gives each us a level of "freedom" to spend money on non-household items that may be important to one of us. (i.e. Brunch w/ friends, takeout that is outside of our normal budget...etc)

2. Household Budgeting: Budget dates nights are a great way for couples to get on the same page and eliminate fighting. Cuddling up together w/ a glass of wine to discuss your spending plan for the month creates a more inviting atmosphere while discussing your financial goals. Remember your on the same time. 👩‍❤️‍👨

3. Credit card debt: Bringing up debt can be taboo or a conversation couples choose to avoid for fear of arguing. Having monthly budget dates nights will help you know just how much you can put on your credit card and when it should be paid off. 💳

4. Insufficient Emergency Savings: An emergency fund is vital for life's unexpected events. Having at least 3-6 months of expenses in a savings account is key, so you don't have to reach for your credit card and accrue more debt.🚨

5. Insufficient Retirement Savings: Planning early for retirement is key and having regular conversations about what % of your income to invest for retirement is important. As part of our money dates, we talk about all our investments, how much we are allocating and if we need to make adjustments based on our goals for the year.🏦

How would you combat these money arguments?

Let us know in the comment👇🏽

Are you looking to learn how to start building wealth w/ your spouse? Join our FREE investing webinar for couples this Monday at 7:30pm EST. Space is limited. Reserve your spot today. Link in bio!
couplegoals

10/12/2022

Do you invest? Don’t let debt stop you from giving to your future. Get intentional.💰

Looking to start building wealth as a team? Join our FREE investing webinar for couples on Monday December 12th at 7:30pm EST. Space is limited. Reserve your spot today. Link in bio! 👫🏾

- Anjie & RJ

08/12/2022

What’s cool to you? Do you agree? Let us know in the comments.👇🏽

You know what’s cool to me... generational wealth. Building something you can pass on to your family. Get Intentional!

Are you looking to start building wealth with your spouse? Join our FREE investing webinar for couples on Monday December 12th at 7:30pm EST. Space is limited. Reserve your spot today. Link in bio! 👫🏾

- Anjie & RJ

06/12/2022

Jannese Torres is a nationally-acclaimed, award-winning Latina Money Expert, Educator, Speaker, Writer and Business Coach. She is the founder of Yo Quiero Dinero, a podcast that educates  marginalized communities on topics like entrepreneurship, investing, and building generational wealth.💰

She became an accidental entrepreneur after a job loss led her to create a successful Latin food blog, Delish D'Lites. Now, she helps her clients and listeners build successful online businesses that allow them to pursue financial independence and freedom.

podcast has been featured on BuzzFeed, Telemundo, Business Insider, Yahoo Finance, NextAdvisor (Time), Grow Magazine (CNBC), & more. 🏦

In this episode you’ll learn: 

📌 The steps Jannese took to quit her job and build Yo Quiero Dinero

📌How she built 10 streams of income 

📌 The importance of pivoting when pursuing your goals

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investing sidehustles

30/11/2022

Saving and investing are both important to build a strong financial foundation, however it’s important to know the difference between the two concepts.💰

Savings should be used for short term goals, like an upcoming vacation that you’re putting money aside for. Additionally, saving for unexpected emergencies is vital to maintaining a strong financial position. Instead of putting an emergency or unexpected expense on a credit card, the funds should be easily accessible in a savings account. 🏦

Investing is putting aside money for the purpose of growing your money by allocating money in the stock market, real estate, or a business. 📈

Savings is lower risk with a lower return compared to investing, which is higher risk, but the return on your investment will be higher.

Said a little differently…saving is putting your money in a safe place and letting it sleep. While, investing is telling your money to wake up and get to work for you.

Are you saving your money? Are you investing your money?

Let us know in the comments.👇🏽

Looking to start building wealth as a team? Join our FREE investing webinar for couples on Monday December 12th at 7:30pm EST. Space is limited. Reserve your spot today. Link in bio! 👫🏾

- Anjie & RJ

30/11/2022

Saving and investing are both important to build a strong financial foundation, however it’s important to know the difference between the two concepts.💰

Savings should be used for short term goals, like an upcoming vacation that you’re putting money aside for. Additionally, saving for unexpected emergencies is vital to maintaining a strong financial position. Instead of putting an emergency or unexpected expense on a credit card, the funds should be easily accessible in a savings account. 🏦

Investing is putting aside money for the purpose of growing your money by allocating money in the stock market, real estate, or a business. 📈

Savings is lower risk with a lower return compared to investing, which is higher risk, but the return on your investment will be higher.

Said a little differently…saving is putting your money in a safe place and letting it sleep. While, investing is telling your money to wake up and get to work for you.

Are you saving your money? Are you investing your money?

Let us know in the comments.

Looking to start building wealth as a team? Join our FREE investing webinar for couples on Monday December 12th at 7:30pm EST. Space is limited. Reserve your spot today. Link in bio! 👫🏾

- Anjie & RJ

29/11/2022

Naseema is a published author and the founder of a platform about personal finance and living life intentionally. Naseema discusses how taking control of her finances has enabled her to overcome bankruptcy, divorce, and break the cycle of living paycheck to paycheck. She shares her lessons along her path to help others benefit from the freedoms of financial independence. 

Though making six figures for years, she struggled with money.  By shifting her mindset around money, being consistent and intentional, She has paid off $1 million in debt and grew a six figure net worth in three years without living in deprivation. 

In this episode you’ll learn: 

📌 How she shifted her mindset to take control of her finances

📌 The steps she took to pay off a million dollars of debt

📌 The strategies she is using to build wealth for her children  

Tune in! Link in our bio! 🎧

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