Episode Summary In this episode, we dive deep into the hidden costs of everyday convenience and the 'small leaks' that can quietly drain your bank account. From our shocking overlapping subscriptions to accidental double-tipping at a restaurant, we share our own recent financial fumbles to remind you that nobody is perfect. Tune in to discover why paying attention to the tiny details in your budget and spending is the ultimate key to taking control of your financial destiny and keeping more of your hard-earned money! Who This Is For ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="1">Couples managing joint finances who want to build stronger financial checks and balances together. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="2">Individuals looking to tighten their budget and take empowering steps toward their financial goals. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="3">Anyone prone to overlooking recurring digital costs or assuming their monthly bills are automatically correct. Episode Timestamps ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="1">[00:00] The Cell Bill Revelation: Uncovering the $15/month overlapping Hulu and Disney+ subscription trap. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="2">[05:30] The Double-Tipped Dinner: Why forgetting your reading glasses can cost you extra, and why we must audit our restaurant bills. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="3">[11:15] Habits of Frugality vs. Cheapness: Understanding the difference and why keeping track of the little things matters so much. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="4">[16:40] Statistics on Subscriptions: Did you know 42% of Americans pay for subscriptions they don't even use? It's time to audit your streaming services and gym memberships! ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="5">[22:15] The 'Make It Worth It' Takeaways: Final thoughts on why being faithful over the small details sets you up for massive financial success.

Tracking your net worth is the ultimate key to unlocking true financial freedom, wealth building, and financial wellness. In this episode, we dive into the process of understanding your assets and liabilities so you can take control of your financial future. When you routinely evaluate where you stand financially you empower yourself to make smart, confident choices. We share our journey of tracking our numbers and the immense joy of watching our hard work pay off over time. Let this conversation inspire you to take immediate action on your personal finance journey.  Who It's For ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="1">Couples wanting to align their financial goals, build joint wealth, and communicate openly about money management. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="2">Young Professionals looking to maximize their investments early, grow their net worth, and let compound interest do the heavy lifting. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="3">Those Nearing Retirement seeking strategies to evaluate their retirement planning progress, adjust their risk tolerance, and confidently cross the financial finish line. Key Moments & Timestamps [02:15] What is Net Worth? We break down the simple formula (assets - liabilities) that forms the foundation of your financial picture. [05:30] Real Estate's Role: Discover how your home's appreciation boosts your net worth, even if you aren't selling. [09:45] Logic Over Emotion: Learn why staying disciplined with your investments during market swings is crucial for long-term growth. [14:20] Monarch Money: We recommend this intuitive software to effortlessly track your accounts, budget, and overall financial progress. [18:10] The Power of Compounding: We celebrate a huge milestone—a $300k investment growth in one year—and explore the incredible power of compound interest. Keep the Momentum Going If this episode motivated you to take charge of your financial future, please like, subscribe, and share it with someone you care about. Taking action today sets you up for a magnificent tomorrow. We are in this together—keep making progress, stay the course, and let your wealth grow!   This Podcast is sponsored by American Heritage Credit Union.  To learn more and open an account go to: www.AHCU.co/ForBetterandWorth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Join us for a real and fun conversation about the transition from a full house to an empty nest. We share our personal experiences launching our daughters, covering everything from the importance of financial transparency to the practical skills every young adult needs. We discuss the anxieties kids face, the temptation for parents to shelter them, and the power of letting them put what you've taught them into practice. Discover how to build a strong foundation of budgeting, saving, and responsibility that empowers your kids to confidently step into their future. You don't want to miss it! When it happens: ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="1">[03:01] Building the Foundation: Why preparing your kids for the real world is a marathon, not a sprint. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="3">[10:01] Money Talks & Roth IRAs: Diving into the financial tools—from budgeting to retirement—that will set them up for life. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="4">[30:01] Manning Up vs. Stepping Up: A candid look at the different expectations we have for sons and daughters. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="5">[40:01] Make It Worth It: The Emergency Fund Power Play: A game-changing tip to help your kids build a real financial safety net before they even leave home. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="6">[45:15] Final Thoughts & Future Wins: The lifelong impact of open communication and intentional parenting. This one's for you, the parents of teens and young adults on the brink of independence! If you're wondering how to turn conversations about money from awkward to awesome and want to give your kids a launchpad for success (without them boomeranging back to your basement), you've come to the right place. Let's get them ready to soar!     This Podcast is sponsored by American Heritage Credit Union.  To learn more and open an account go to: www.AHCU.co/ForBetterandWorth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Money can be a major source of stress in any relationship, but it doesn't have to be the thing that tears you apart. In this episode, we get real about the financial challenges that often lead to conflict and even divorce. With a staggering 50% divorce rate, it's more important than ever to build a strong financial foundation with your partner. We explore how issues like selfishness, power struggles, and a lack of transparency can create deep wedges in a marriage. It's not just about the numbers; it's about trust, partnership, and open communication. We share personal stories and practical insights on how to move from a mindset of control to one of collaboration. Who It's For This episode is for you if you're a married couple navigating financial discussions, a couple planning to get married and wanting to build a strong financial foundation, or anyone in a committed relationship who struggles with communicating about money. If you want to learn how to prevent financial disagreements from damaging your partnership, this conversation offers actionable advice and heartfelt encouragement. In This Episode: (01:50) Divorce and Money:** Financial disagreements often fuel the 50% divorce rate.   (03:15) Trust from Day One:** Combining finances builds trust early in marriage.   (05:30) Selfishness and Control:** Financial fights often mask deeper issues like power struggles.   (07:30) Control vs. Partnership:** Earning more doesn't mean controlling the finances. True partnership is key.   (09:05) Common Ground:** Aligning on goals, like paying off debt, fosters unity.   (11:00) Playing to Strengths:** Use your unique skills to create a strong financial team.   (15:45) No Financial Secrets:** Hidden purchases or debts damage trust—transparency is essential. (17:30) Tools for Accountability:** Shared apps like Monarch Money make finances clear and manageable.   (21:40) Communication Ground Rules:** Listen without judgment to create a safe, honest space.   (25:05) Listen to Connect:** Listening more than speaking is vital for tough conversations.   (30:30) Don't Delay:** Address money issues early to avoid long-term damage.   (35:15) Stronger Relationships:** Honest money talks build trust, connection, and a shared vision.   This Podcast is sponsored by American Heritage Credit Union.  To learn more and open an account go to: www.AHCU.co/ForBetterandWorth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Feeling locked out of the housing market by skyrocketing home prices and rising interest rates? It's time to rethink homeownership and explore creative real estate strategies! In this episode, we shatter the myth that you have to go it alone. Learn how co-buying with friends, embracing multigenerational living, and supercharging your savings can help you build wealth and achieve your dream of owning a home. Whether you're a first-time homebuyer or someone looking to break into the real estate market, we've got actionable tips to inspire your journey. Key Discussion Points & Timestamps 00:00 - 08:00 | Co-Buying Homes with Friends Discover the growing trend of co-buying property with friends to share the financial load, tackle sky-high housing prices, and start building equity faster. 08:00 - 16:00 | Multigenerational Living Hear a real-life success story about families combining households. Learn how this shift is saving money, maximizing resources, and making real estate investment more achievable. 16:00 - 24:00 | Young Adults Staying Home to Save Staying with family longer isn't a step back—it's a financial power move! We discuss how to save for your down payment faster and turn your time at home into a springboard for homeownership. Who This Is For ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="1">First-Time Home Buyers: Struggling with housing affordability? Get fresh, actionable ideas to make homeownership possible in today's market. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="2">Young Professionals: Looking to build equity but can't save enough for a 20% down payment on your own? We've got you covered. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="3">Families: Interested in multigenerational living to pool resources, save on childcare, or support aging parents? Learn how this can be a game-changer. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="4">Aspiring Homeowners: Currently living at home? Use this time to prepare financially and take your first step into the real estate market.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, we are diving deep into the mindset behind wealth, happiness, and what it truly means to be fortunate. We kick things off by reviewing the movie Good Fortune, using it as a springboard to discuss a question we all face: Would a massive financial windfall truly solve all your problems? We explore the stark realities of the gig economy, the allure of the lottery, and why waiting for a "lucky break" is often a distraction from the power of intentional financial planning. We believe that money doesn't fundamentally change who you are; it simply amplifies your existing traits. Whether you are currently hustling to make ends meet or are focused on long-term retirement planning, the goal is to build a life of substance, not just status. Join us as we unpack why true wealth starts with a healthy money mindset and why choosing progress over perfection is the key to a fulfilling future. Key Takeaways ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="1">Money Amplifies Character: A windfall won't fix your internal struggles. If you aren't a giver when you have little, you likely won't be a giver when you have millions. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="2">The Trap of Comparison: Envy and the "if only" mindset rob you of satisfaction in your current journey. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="3">The Reality of the Gig Economy: While side hustles like Uber or DoorDash can be great supplements, relying on them without a stable foundation can lead to financial anxiety. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="4">Planning vs. Luck: Betting on the lottery is a game of chance; financial planning is betting on yourself. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="5">Progress Over Perfection: You don't need to have it all figured out today. Just take the next right step. Popular Keywords ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="1">Financial planning ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="2">Gig economy ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="3">Money mindset ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="4">Character development ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="5">Retirement planning Key Segments & Timestamps ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="1">00:00 – Intro: Surviving the snowstorm and getting back to max capacity. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="2">03:15 – Movie Review: Breaking down the themes in Good Fortune and Trading Places. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="3">08:45 – The Gig Economy: Hustle culture, stability, and the pursuit of "more." ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="4">15:20 – The Lottery Mentality: Why we dream of windfalls instead of doing the work. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="5">22:30 – Does Money Change You? The importance of maintaining your character. ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="6">28:00 – "Make It Worth It": Generosity, legacy, and finding joy in what you have right now. Resources Mentioned ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="1">Movie: Good Fortune (2024) ol]:!pb-0 [&>ol]:!pt-0 [&>ul]:!pb-0 [&>ul]:!pt-0" value="2">Movie: Trading Places (1983)     Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Have you felt the commercial pressures of Valentine's Day? We do! In this episode, we pull back the curtain on the expectations and anxieties that often come with February 14th. We explore how this one day can feel like a manufactured obligation to spend money rather than a genuine expression of love. Join us as we shift the focus from grand, one-time gestures to the beautiful, consistent ways we can show love and appreciation every single day. We believe love is a year-round celebration, best expressed in ways that truly resonate with the people we care about most.        Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this special episode, we're coming to you live from Miami, still buzzing from the Indiana Hoosiers' historic national championship victory! Fresh off the excitement of the game, we dive into the real-life financial decisions that come with once-in-a-lifetime moments. Join us as we break down the magnetic pull of peer pressure and the fear of missing out (FOMO) when your closest friends are all heading to the big game. We share our personal journey of navigating sky-high ticket prices, last-minute travel plans, and the emotional debate of whether to spend thousands of dollars on a single event.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Have you ever caught yourself thinking, "I've got this all figured out," only to realize later that you were missing a crucial piece of the puzzle? You aren't alone. Pride is incredibly sneaky, and it often creeps into our lives right where we can least afford it: our finances. In this episode, we are getting real about the "I can do it myself" mindset. We explore how overconfidence and complacency can actually stifle your financial growth and lead to unnecessary burnout. But this isn't just about pointing out the problem—it's about empowering you to find the solution. We share our own journeys as "money nerds" who still rely on a team of pros, and we show you why asking for help is actually the ultimate power move. If you are ready to let go of the stress of managing everything alone and start building a financial dream team, this episode is for you!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

What happens when the smallest coin in your pocket is no longer part of your daily life? The U.S. Mint officially stopped producing pennies for circulation in November 2025, marking a significant shift in our nation's currency. In this episode, we explore the end of an era and dive deep into what this change reveals about our relationship with money, value, and history. We'll uncover the economic reasons behind the decision, from the rising cost of production to the practicalities of rounding cash transactions. More than just a financial change, this is a cultural moment. We will explore the central question: How does the penny's disappearance affect how we view the value of money itself and how we use it? Join us as we navigate this transition and all that it entails.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, we explore the recent shift that directs catch-up contributions to Roth accounts, a change that transforms your long-term financial strategy. Discover the incredible benefits of tax-free growth and withdrawals in retirement, while also understanding the trade-off of losing immediate tax deductions. This pivotal change is your opportunity to build a more resilient and flexible financial future, giving you greater control over your retirement income. Tune in to learn actionable steps you can take today to adapt your plan and harness this new rule for maximum benefit.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

We explore a new and simple way that we approached our 2026 planning. It forced us to make a mindset shift: we began treating our personal finances with the same strategic focus and seriousness as a successful business. By viewing yourself as the CEO of your household, you can unlock clarity, foster teamwork with your partner, and build a clear path toward your biggest goals. We break down the exact steps to review your performance, set inspiring goals, and create a winning strategy that aligns with what truly matters to you. Get ready to feel energized, motivated, and completely in control of your financial destiny. Then take the necessary steps to implement this in your own finances.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

As the year comes to a close, it's the perfect time to pause, reflect, and prepare for what lies ahead. In this episode, we explore the transformative power of end-of-year rituals, offering practical steps to help you close out the year with intention and step into the New Year with clarity and purpose. From reflecting on your achievements and reviewing your financial habits to setting intentional goals for personal, family, and professional growth, this episode is packed with actionable tips to make this transition your most meaningful yet. We also dive into the importance of decluttering, both physically and mentally to create space for fresh opportunities and positive energy in the coming year. Whether it's organizing your workspace, cleaning out your fridge, or unsubscribing from distractions, these small but powerful acts can fuel your creativity and motivation. Tune in to learn how these rituals can help you end the year with gratitude and start the next one with unstoppable momentum!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

This week, we are diving deep into the magic and the madness of the holiday season. Christmas looks a little different around here these days. Gone are the mile-long wish lists for toys and the frantic search for the latest gadget. Instead, we are navigating a beautiful new season of parenthood: Christmas with young adult daughters. In this episode, we open up about the bittersweet transition of watching our girls grow up and how we are intentionally working to keep our family unit tight-knit, even as their lives expand. We talk candidly about the shift from buying so much "stuff" to creating moments and investing in their interests. We also tackle the practical side of the holidays like staying on budget without being a Scrooge. We share how we are balancing the books while still making the season feel abundant and special. Join us for a warm, honest conversation about love, family, and making memories that outlast the wrapping paper. Merry Christmas!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Are you dreaming of homeownership or moving up in home but feeling priced out of the market? You've probably heard whispers about the "50-year mortgage" as a magical solution to affordability. But before you sign on the dotted line for half a century of debt, you need to hear the truth. In this eye-opening episode, we dive deep into why this trending loan option might just be the biggest financial trap of our lifetime. We may be biased but for good reason! We break down the shocking math behind these loans—revealing how lower monthly payments are essentially a mirage that could cost you triple your home's value in interest. We explore who really wins when you extend your mortgage (spoiler: it's not you), the psychological weight of lifelong debt, and the powerful alternatives that can actually build your wealth. Get ready to take control of your financial future and make decisions that empower you, not the banks!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Ready to give your children the ultimate head start in life? Want to make sure they grow into confident, capable, and financially savvy adults (and not end up living in your basement forever)?  This episode is your guide to equipping your kids with essential money skills that schools often overlook. Teaching financial literacy can't be left to chance—you need to take an intentional approach. This time we share our own experience including things we wish we'd done to ensure our daughters are financially responsible young adults. Join us as we dive into the key lessons that will help you shape a secure and successful future for the next generation.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Imagine going 44 days without a paycheck. Would you survive it financially? This episode explores the financial lessons learned from the recent government shutdown that left millions in crisis. We dive into the absolute necessity of having an emergency fund as your personal safety net against the unexpected. You will discover practical, actionable steps to take when your income suddenly stops, empowering you to navigate any financial storm with confidence. This isn't just about surviving; it's about building lasting financial resilience for a secure future. This is an episode you don't want to miss!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

As Thanksgiving approaches, a wave of gratitude washes over us, reminding us of the countless blessings in our lives. In this truly special episode, we're peeling back the layers of this holiday to explore what it means to us. We'll be sharing some family traditions. We'll also provide heartfelt tips on how to remain fully present and soak in every precious moment with your loved ones, because we know that now, more than ever, the connections we share with family are what truly matter.  While the holiday season can sometimes bring financial pressures, we firmly believe that celebrating with intention and care is an investment that pays dividends in joy and memories. Join us for an uplifting conversation as we explore all of this and so much more in this week's podcast episode.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

This episode dives into four game-changing net worth milestones that signal true financial progress. We're exploring the profound shifts in security, freedom, and opportunity that come with hitting these key targets. We'll demystify what it means to become a millionaire, feel the incredible relief of paying off your home, and finally, define the ultimate goal: your Financial Independence (FI) number. Sometimes it is helpful to know that you are advancing in your financial journey even when the big milestones seem far away. Listen in to learn more about what milestones to reach for and how to avoid the pitfalls at each level.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Ready to create unforgettable holiday memories without that nagging financial hangover? This episode isn't just about budgeting; it's your blueprint to truly win with your money this season! We'll kick things off by shining a light on average holiday spending and then guide you to create an intentional budget that feels empowering, not restrictive. Discover practical strategies to stay on track, like weekly money check-ins and effortless automated savings. Imagine ending this year feeling completely empowered and totally in control of your finances.  We believe you can do it! Listen in to hear about how we plan and begin to create your own plan for success this season.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

What if your next bonus, tax refund, or unexpected cash windfall could be the very thing that propels you toward your biggest financial dreams? Most people enjoy the feeling of being able to spend funds that have no name or aren't attached to bills. It's time to stop seeing "extra" money as a free-for-all and start seeing it as a powerful tool for building the life you want. In this episode, we're unlocking the potential of found money and giving you some motivation to turn windfalls into wins. Get ready to transform your approach and make every dollar work for your future. Your next bonus could change everything! Listen in to learn about how we maximized every dollar while getting out of debt.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Join us as we reflect on the three years since our youngest daughter left for college and how our "almost" empty nest has transformed our lives. This episode is an authentic look into how we've reevaluated our partnership, navigated our changing roles as parents of young adults, and found new ways to grow both as individuals and as a couple. We're sharing the real, unfiltered journey of this beautiful and challenging season. You don't want to miss it!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Is the secret to long-term wealth a complicated, high-stakes strategy, or something far simpler? We often get drawn to the allure of "sexy" investing—the risky bets, the hot stock tips, the promise of explosive overnight returns. But what if the most powerful path to financial growth is actually the one that feels a little… boring? This episode pulls back the curtain on why consistency, patience, and a simple plan can be your greatest assets on your investment journey. We're diving deep into the power of straightforward, time-tested strategies like diversified index funds and automated contributions. You'll learn how these "boring" methods are designed to harness the market's power over the long haul, helping you build wealth without the sleepless nights. We'll also uncover the common traps of complex, "sexy" investing—from chasing elusive returns to taking on unnecessary risk. Get ready to feel empowered and inspired to build a strategy that truly works for you, one that brings you closer to your goals with confidence and clarity.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Is your bank account one giant pot of money for bills, savings, and spending? Or do you have so many accounts that you can't keep up with them all? It's time to stop the financial chaos and create a system that works for you, not against you. In this episode we share exactly how we manage our cash, where it goes, and why. Then we give some ideas for other ways to manage the flow of your money so you can finally get organized and reduce the day to day stress of managing it. Get ready to move from financial confusion to complete confidence and build a system that runs on autopilot, freeing you to focus on living your life.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Ever wonder what a financial advisor really tells you? In this candid episode, we pull back the curtain on our recent meeting with an independent financial advisor. We're sharing the surprising truths we learned, the validation we received, and the exact steps we're taking to strengthen our financial future. This isn't about complex theories; it's a real-life look at how an outside perspective can illuminate your path and empower you to move forward with confidence. We discovered that while we are doing very well and are on track with our goals, there were crucial blind spots we had completely missed. If you've been curious about working with a professional or just want to see how a real financial plan gets refined, this episode is for you.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Have you ever stepped out of your comfort zone for a cause you believe in, only to find it challenged your personal values? This episode dives into the real, raw, and sometimes awkward reality of fundraising. We're sharing our personal experience of selling raffle tickets for the Game on Cancer campaign at a Detroit Lions football game. It was a day filled with incredible energy, deep purpose, and also the uncomfortable feeling of being a potentially "pushy" salesperson. We had a good time, learned some lessons ourselves and raised a lot of money for a good cause. Tune in now to hear more!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Are you sidestepping the biggest pitfalls on the path to financial freedom and a happy life? In this candid episode, we get real about the three most detrimental mistakes that can derail your financial dreams. We're diving deep into why holding onto debt is a trap society has normalized, and how to break free. We also tackle the critical importance of saving for the future, sharing a clear roadmap to build your retirement savings from your first match dollar to maxing out your accounts. Tune in now to hear the last mistake people make that turns out to be the biggest of them all. This episode is your wake-up call to build a life you truly love, together.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, we're talking Millennials and Gen Z versus Gen X and Baby Boomers. The financial priorities of each generation are WILDLY different! We discuss why younger generations desire experiences, from international trips to concerts, and how social media fuels these desires. Plus, get ready for some real talk as we share personal stories from raising our own almost Millennial and Gen Z daughters, tackling the struggle of living in the now while still planning for tomorrow. This episode is your guide to bridging the generational gap, whether you're a parent, a young adult, or just curious about how to enjoy life today AND build a solid future. As our podcast title states, we believe people can have more than one thing at a time.  Tune in to hear our take on the changing spending climate.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

This week on the podcast we discuss something I hadn't intended to make public. The calendar page turned, and suddenly, the month of my birthday was here. Fifty. This milestone felt different. While Chris, met it with grace and genuine excitement, I wrestled with a mix of emotions.  Listen in to hear more about how I navigated this transition and the way Chris helped me right on the podcast in a way I didn't expect. You don't want to miss it!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

If your kids are out of the out and off the payroll (paying their own expenses) you have entered an empty nest. Your house is quiet, your schedule is yours, and that freedom feels absolutely intoxicating. But here's the plot twist nobody warned you about: your newfound liberty might be costing you more than you expected. You've entered what financial experts quietly call the "freedom tax" phase of life. While your child-specific expenses have vanished, new spending patterns emerge that can catch even the most prepared parents off guard. Listen in to hear how we are navigating this season and some tips for continuing to manage your money well.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

There's something magical about walking through a newly renovated home for the first time. The dust has settled, the contractors have packed up their tools, and you're left with spaces that feel both familiar and completely transformed. After months of planning, budgeting, and living through construction chaos, we finally completed our bathroom renovations – and the journey taught us more about decision-making, relationships, and financial priorities than we ever expected. Tune in to hear all about the process, how we navigated as a team, and if it was all worth it in the end.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Marriage isn't a fairy tale—it's two imperfect people choosing to grow together through all of life's seasons. There will be times when you have to work at liking each other, moments when you need space, and seasons when you have to choose love over feelings. But here's what makes it worth it: you get to build something together that neither of you could create alone. You become witnesses to each other's growth, champions of each other's dreams, and partners in creating a legacy that outlasts your individual lives. Check out this week's episode to hear about the funny ways we've chosen to navigate this journey called love.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

When most people think of artificial intelligence, they picture futuristic robots or complex financial systems for major corporations. But AI has already woven itself into the very heart of our everyday money habits. And it is happening without us even realizing it. From simplifying budgeting to analyzing data, AI is changing how we approach financial decisions, making smart money management accessible, intuitive, and more effective than ever. We've even used it in our own financial life recently. Listen in to hear all of the ways to maximize your financial life using AI and how we did too!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

We were young and eager to become homeowners. We qualified, found the perfect house, and scraped together just enough for the down payment. But once we settled in, started growing our family, and lived a little life, we quickly realized one thing: homeownership is expensive. There are hidden costs that often catch new homeowners off guard. The truth is, owning a home comes with expenses that many don't fully anticipate. Understanding these "hidden costs" is crucial. It's not just to keep your finances in order, but to ensure long-term peace of mind. Here we break down the unexpected expenses of homeownership and how to plan for them.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Online shopping makes it easier than ever to fill our carts with things we don't really need. This year's Amazon Prime Day was actually 4 DAYS not one! So obviously you have more time to search, explore, and spend. Amazon has become the definition of impulse spending and impulsive spending can quickly derail your financial goals. But the good news? You can take control of your spending habits. Here's how to differentiate needs from wants, resist marketing traps, and stay focused on what really matters. Listen in to hear our take on how to overcome impulse spending.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Planning for retirement can feel overwhelming, especially when you're in your 40s and 50s. This stage of life often comes with competing financial demands—raising kids, caring for aging parents, and maintaining a household. However, it's also a crucial time to focus on your financial future. By making strategic choices now, you can set yourself up for a comfortable retirement while alleviating many long-term worries. In this episode we explore some actionable steps to take control of your financial planning and make the most of your resources. We believe one smart move in particular will bring the most peace of mind during this season. Listen to find out what that one is...       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Summer is a season of sunshine, adventure, and making family memories. But, let's face it—between vacations, camps, meals out, and attractions, summer fun could come with a hefty price tag. Here's the good news: with a little creativity and thoughtful planning, you can enjoy an unforgettable summer packed with adventure, laughter, and connection without going over budget or derailing your financial goals. Although our kids are out of the house we understand the dilemma most families face trying to keep kids engaged. Listen to this week's episode to make the most of free or low-cost local activities, unlock the secrets of travel hacking, and make intentional choices to keep costs in check—all while staying true to what really matters.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Life has a way of throwing curveballs when we least expect them. These challenges—whether they come as unexpected medical bills, job loss, or even the emotional toll of divorce—can shake our foundations and take a heavy toll on our finances. When your finances start to feel out of control, it can seem impossible to find your footing again. But the truth is, no matter how overwhelming things seem, there is a way forward. Listen in to hear about some simple ways to regain financial control and clarity after it has been lost.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Building generational wealth isn't just about accumulating a large amount of money—it's about establishing a financial foundation that can support your family for generations to come. It's about creating a legacy that not only provides for your children but also sets them up for long-term success, offering opportunities they might not have had otherwise. Whether you're just starting out on this journey or refining your approach, this episode will provide you with the essential tools, strategies, and insights to build and protect your financial legacy for years to come. We also break down some of the myths about what it takes to build generational wealth. Listen in to begin your wealthy journey.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

For many of us, owning a car with monthly payments feels as normal as paying rent or utilities. It's just how people buy cars, right? But what if accepting this as the norm is actually holding us back from financial freedom? Car loans, often touted as manageable "good debt," are still debt. They tie up our income month after month, sometimes for years, in exchange for a rapidly depreciating asset. It's time to challenge this mindset and explore a path to car ownership that doesn't involve life-draining payments. Tune in to this episode to hear about how we navigated vehicle purchases and what it could be costing you to keep them long-term.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Work travel isn't easy on any relationship. Being apart meant missing daily routines together, the spontaneous laughter, the small but significant little things that bind a family. In our early days, it felt like two lives moving in parallel, connected yet separate. Now, after years of learning, growing, and adjusting, we've weathered every phase of work travel together. It took time, growing pains, and intentional effort, but we've figured out ways to keep our relationship solid, no matter how many miles apart or what time zones we are in. Whether you're traveling for work, or holding down the fort at home, listen to this week's episode to hear the strategies that have helped us stay connected.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

If there's one thing that consistently shakes up decision-making, it's Beyoncé. Her name alone seems to create a gravitational pull strong enough to draw in even the most calculated among us.  We talked all about this phenomenon in a recent podcast episode, The Beyonce Effect, where we explored how Beyoncé's sheer influence impacts everything from ticket sales to big life choices.  But now, it's time for a follow-up. The question is, did we fall under her spell and use the free Bey concert tickets that landed in our laps?       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, we dive into a question that's been on our minds for a while now—should we renovate our bathrooms? It's not just about tiles, fixtures, or a fresh coat of paint. It's about balancing finances, finding peace of mind, and nurturing the home we've built, both physically and emotionally. If you're considering a big renovation project or feeling stuck a the decision-making process, tune in as we break down our thoughts and weigh our options. While we don't have all the answers yet, we hope our journey sparks some clarity for your own situation.     Our website: www.forbetterandworth.com   Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

This week on our podcast, we dove into an unexpected yet eye-opening connection between the hit reality show Got to Get Out and the process of getting out of debt. Who knew a competition show could offer such powerful insights into financial freedom? When our daughter suggested the show, we didn't think much of it—but as we watched, the parallels to debt reduction became impossible to ignore. This is proof that you can find inspiration in unexpected places.  Tune in to hear our insights about the show and how it relates to achieving any financial goal.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Credit cards can be a game-changer for your finances—or a slippery slope into debt. In this encore episode, we take an in-depth look at the pros and cons of credit card usage. From rewards points and cashback perks to the risks of high-interest debt and overspending, we break down when using a credit card helps and when it harms. If you've ever wondered, "Should I use a credit card or not?" this episode is for you. Tune in to learn how to make intentional financial decisions and decide if swiping is the right choice for you.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

This week we are taking a much needed break from new episodes. One year ago today we were on our way to take our dream vacation in South Africa. Check out how we made the decision to spend the money and hear our honest opinions about if it was worth the hype. Thank you for being a part of our For Better AND Worth community. We plan to be back with new content soon!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Supporting adult children financially can be a tough balancing act. How much support is too much? When does helping actually hurt? In this episode, we dive into the challenges of navigating finances as a team while teaching your adult kids financial independence. We'll share expert advice on this topic, discuss our own approach, and help you align your parenting values with your financial goals—so you can protect your future while setting your kids up for success. Tune in to learn more on this debate!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

When it comes to unforgettable moments, some experiences are worth contemplating twice. For us, being handed tickets to see Beyoncé in London FREE certainly felt like one of those "once-in-a-lifetime" moments. But with excitement comes big questions, especially when you're trying to manage finances responsibly: How much is too much to spend on moments like these? Whether you're jet-setting to a dream concert or eyeing a bucket-list getaway, finding the balance between living life and staying financially accountable is no small feat. Welcome to The Beyoncé Effect, where we unpack how couples can align on money decisions, prioritize joy-filled moments, and still meet their financial goals. Listen in to hear about our decision-making process and maybe find out what we decided to do...       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Do you and your spouse share the same faith? How do your beliefs influence your financial decisions? When a couple's finances are guided by shared values and trust in God, money management can become a source of unity, peace, and even joy. In this week's episode, we're opening up and sharing a deeper look into our spiritual beliefs and how they have shaped our financial journey. We'll discuss how aligning your faith with your financial priorities can not only transform your money goals but also deepen your connection as a couple and with God. Listen in to hear all about how we missed and essentially got back on track too!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

The world feels more uncertain than ever, doesn't it? From unpredictable markets and rising costs to economic shifts and global inflation, there's no shortage of challenges to keep us on edge. Financial uncertainty is particularly stressful, especially when it leaves so many of us wondering what the best move is to protect what we've worked so hard to build. Recently, one pivotal question came up that many of you have likely asked yourselves as well: "Should I be doing something differently with my money right now?" We'll share our thoughts on that question in this episode. We'll explore why staying calm, creating a plan, and staying realistic about your goals can help ease the anxiety surrounding money in uncertain times.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Tax season doesn't have to be stressful—it can actually be an opportunity to improve your financial health! In this episode, we break down essential strategies to help you tackle tax season with confidence. Learn how to create a clear plan, avoid common mistakes, and use taxes to work for you—not against you. Whether you're a first-time filer or a seasoned pro, this episode is packed with tips to make tax time less overwhelming and more empowering.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

One of the biggest money stressors is confronting the dreaded credit report—especially when it involves sharing it with a spouse. However, understanding where you stand is the first crucial step toward improvement. Significant changes to credit score calculations have recently been introduced, creating new opportunities to potentially improve your score. For many couples, credit scores play a central role in achieving financial goals, whether it's buying a home, securing a new job, or simply building a stronger financial future together. These upcoming updates are a true game-changer, creating new opportunities for couples to enhance their financial position and work toward shared goals.  Check out this week's episode to learn more about these changes and how you can make the most of them.         Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Ever felt like you were crushing your budget, only to realize you've veered way off course? Same here! In this episode, we're getting real about how we got off track with our finances, the steps we took to regain control, and the lessons we learned along the way. Whether you're navigating overspending, forgotten subscriptions, or miscommunication with your partner, we've got actionable insights to help you reset and move forward—together.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

You don't need to have a student-athlete in your life to appreciate the valuable lessons from the world of NIL (Name, Image, and Likeness) deals. These agreements are transforming college sports and shaping the financial futures of young athletes. Inspired by the Amazon Prime series The Money Game: LSU, we dive into the opportunities and challenges student-athletes face as they navigate this evolving financial landscape. Join us as we share our insights, best practices, and the life lessons we've taken away from this eye-opening documentary. It's an engaging and thought-provoking journey you won't want to miss!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Relationships thrive when both partners feel valued and appreciated, but when life gets busy and priorities compete for attention, it's easy for your partner to feel like they've been pushed to the sidelines. It's happened to us! This can quietly impact emotional intimacy, trust, and even collaboration in critical areas, like managing finances together. Tune in to hear about how to prioritize your partner.  We share our low points and what's working now.   We want you to know some practical steps to ensure they always know they're your number one. Your relationship is worth it!   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

"Where does all our money go?" It's a question many households find themselves asking. Often, it's hard to pinpoint why our finances don't stretch as far as we'd like. From juggling bills and budgets to those impulsive online shopping sprees, managing money as a couple can be a challenge—and sometimes a source of frustration. Enter the No Spend Challenge, a trend gaining momentum this year. Whether it's boycotting specific companies or cutting back on certain expenses, there's a challenge tailored to fit your goals. The idea isn't about deprivation; it's about intentionally reducing spending for the greater good. In this episode, we explore how you and your partner can tackle this popular exercise together.       ur website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

There's something so tempting—and oh so convenient—about subscriptions. Whether it's the thrill of binging your favorite shows or the joy of unboxing a curated monthly surprise, subscriptions sneak into our lives effortlessly. But here's the rub—when was the last time you actually counted how many subscriptions you're paying for? If you're anything like us, you might be in for a shock. Recently, we challenged ourselves to take a hard look at our own subscriptions.  In this episode we take deep dive into the world of subscriptions and the impact it has on reaching financial goals.  Are you ready to be honest? Tune in now!   ur website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Marriage is a beautiful partnership, filled with love, compromise, and shared dreams. But let's be real—it's also a constant work in progress that requires effort and understanding every single day. And when you toss money management into the mix, things can get... complicated, fast. Financial stress is one of the most common challenges couples face, but it doesn't have to be overwhelming! Whether you and your partner are just starting to build a life together, saving for a big goal, or figuring out how to balance monthly expenses, communication and teamwork are key. Tune in this week to hear about how we've last 26 years and what advice we'd give to others who are looking to last a lifetime too.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Did you know that 1/3 of Americans abandon their New Year's resolutions by the end of January? If you and your partner have financial goals or resolutions for the year, don't be part of that statistic! You can refocus, re-evaluate, and review your progress so far. Even though January is over, hopefully this episode will help you stay motivated to accomplish whatever you set out to do this year.  Working as a team to set and stick to your resolutions can transform not only your financial health but also strengthen your partnership. Listen in to hear how you and your significant other can stay motivated, overcome challenges, and tackle your financial resolutions together—one step at a time.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Preparing for the unexpected can feel overwhelming—especially when it comes to managing your finances during times of potential political or economic change. Being intentional with your finances is critical to staying ahead, no matter what the future holds. If you're wondering how potential policy shifts could affect your money, specifically under the new administration, listen in.  We give actionable guidance to help you prepare confidently. We'll cover key areas like taxes, debt, inflation, healthcare, Social Security, and retirement planning. By being proactive now, you can build a strong financial foundation and take intentional steps toward safeguarding your future together.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

When it comes to retirement planning, the 401(k) can be a total game changer. It's not just another financial tool—it's your long-term money partner, quietly working behind the scenes to make your future shared dreams a reality. Whether you're planning to travel the world, upgrade your forever home, or leave a meaningful legacy for your family, your 401(k) or other pre-tax investing account is a critical piece of the puzzle. But are you and your partner actually making the most of it? Chances are, there's untapped potential sitting right in front of you. Tune in to this episode to to find out more about our investing journey and get inspiration for your own.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

"Where should I put my money?" It's a question many people face when planning for the future. The process can feel overwhelming, especially if you haven't had any formal guidance on managing your hard-earned dollars. For those unsure where to begin, you're not alone—we've received several requests to simplify these logistics on the podcast. Here's the key: building a strong financial foundation isn't just about the numbers; it's about creating the life you envision. By taking thoughtful, actionable steps today, you can set yourself up for a secure, stress-free future. Let's break it down.     Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

A budget is more than just a spreadsheet—it's a financial roadmap that brings clarity and purpose to your money. For couples, budgeting becomes a collaborative effort, turning finances into a shared journey toward what truly matters. In this podcast episode, we're sharing practical budgeting tips to simplify the process and show why we consider budgeting an absolute essential. Tune in to discover how budgeting can transform the way you manage your finances together!     Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

What does sacrifice mean in the context of relationships and money? And why does it matter? These questions and more will be explored on this episode. We're diving into the concept of sacrifice—not as a burden, but as a powerful way to strengthen your connection with your partner. Sometimes we wonder if we are giving up too much and sometimes it might not be enought. Sacrifice isn't about losing—it's about choosing. Together, we'll unpack what it really means to give something up for the greater good and how those choices can pave the way for trust, commitment, and deeper love.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Managing finances in a relationship can be one of the most challenging, yet rewarding, aspects of building a life together. In this candid conversation with fellow financial influencer Doc G, we shared our personal experiences and strategies for creating a strong financial foundation as a couple. From navigating debt to aligning financial goals, we offer valuable lessons for anyone looking to improve financial management in their relationship. Check out this week's episode for motivation on developing a solid financial foundation as a team.     Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Managing money as a couple isn't always easy, especially when you and your partner have different financial priorities or perspectives. But financial disagreements don't have to hold you back—they can actually strengthen your relationship when handled the right way. In this encore episode, we're interviewed by Andy Hill, host of the Marriage, Kids, and Money podcast, to explore how couples can navigate financial differences, set shared goals, and build a stronger financial future together.     Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

What's more exciting than joining forces with your partner to dream big, plan smart, and achieve your financial goals together? With 2025 just around the corner, now is the perfect time to reflect on where you've been and map out where you want to go. Thoughtful goal-setting not only reduces money-related stress but also strengthens your bond and helps you build a future you're both thrilled about. Check out this week's episode to hear what our goals are the New Year and how we plan to achieve them. Don't wait until the last minute to think about your upcoming goals.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Have you and your partner ever wondered how giving can strengthen your bond, align with your values, or even create a lasting impact outside your home? In this episode, we explored heartfelt and practical ways couples can give with intention and still stay financially secure. From figuring out if you're ready to give, to deciding on causes close to your heart, this guide is designed to help you and your partner make giving a meaningful part of your life—without financial stress or guilt.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Money is a complex thing. It comes with responsibilities, decisions, desires, needs, and opportunities. At times, the temptation to take risks in the hope of financial relief can be strong. However, engaging in risky behaviors like betting or impulsive gambles often adds more complications to an already challenging situation. If you've ever questioned a gambling habit, struggled to align with financial goals, or wondered what truly defines a "risky behavior," this episode is for you. We'll delve into the emotional and financial impacts of gambling, explore how to recognize uncalculated risks, and provide actionable strategies to build healthier financial habits. Most people have engaged in some type of risky financial behavior but the hope of the potential outcome is dangerous.. Listen in to hear our thoughts and if we have taken these risks too.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Thanksgiving is right around the corner, and the holiday rush is officially here! Between gift shopping, holiday gatherings, and eating to our heart''s content, it's easy to lose sight of your financial goals and personal priorities. But don't worry—we've got your back! Tune in to this episode as we break down how to plan for the holiday season like a pro. We'll guide you through making a thoughtful gift-giving list, offer tips on keeping your spending in check (and avoiding those tempting splurges or at least managing them), and share strategies to ensure you stay on track toward your goals while soaking up all the holiday magic. If you're ready to crush this holiday season without the stress or guilt, hit play now!     Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Join us in celebrating a huge milestone—our 100th episode! 🎉 As we reflect on this incredible podcasting journey, we share stories, laughter, and insights collected along the way. Discover what ignited our passion for podcasting and how it became our favorite creative outlet. We'll revisit those early recordings, the learning curves, and the initial challenges we faced. Plus, get a sneak peek into the exciting projects and fresh ideas we have in store. Celebrate with us as we honor the past and look forward to the future! Thank you for being a part of our community. Here's to 100 more episodes filled with exploration, laughter, and inspiration!  We hope this podcast has helped you just as it has helped us!     Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Let's be honest—this is a topic most people would rather avoid. However, we believe it's essential to discuss it. In this episode, we delve into a crucial subject that often gets overlooked: preparing for funeral expenses. We'll explore the key considerations during this significant time, empowering you to make informed choices that ensure peace of mind and financial security for you and your loved ones. Join us as we clarify the financial differences between cremation and burial, allowing you to make educated decisions for yourself and possibly others. We'll also emphasize the vital role of life insurance in planning for final expenses and how it can alleviate the financial burden on your family during difficult moments. While it may be uncomfortable to discuss, we're here to guide you and share our own truth. You are not alone!     Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, we're diving into the lifesaver that is the emergency fund! We discuss why every young adult and college kid should have a financial safety net and why YOU should too! Depending on credit cards alone is a risk we don't endorse! Learn how a little preparedness can turn unexpected emergencies into into mere speed bumps on your financial journey. And listen in to find out about the most recent emergency in our own family that prompted this discussion. You don't want to miss it!     Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

This week, get the behind the scenes of our exhilarating experience at FinCon 2024. This was more than just a conference—it was a gathering of passionate money nerds, like you and us, eager to learn, connect, and grow. We love this annual gathering because we always discover the latest tips and strategies to elevate our podcast to new heights. Listen in to hear our takeaways and what migth be coming to our For Better AND Worth community.     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Financial health is a goal many families strive for but often find challenging to achieve. That's where PSECU comes in, offering something for everyone and making financial wellness accessible to families across not just Pennsylvania but also across the country. Whether you're teaching your children about the value of a dollar or managing multiple financial responsibilities, PSECU is here to support your family's financial journey. In this episode we talk with Wyatt Troxell from PSECU to discuss the many ways they provide guidance for families looking to improve their financial health. Tune in to hear all the details and a special offer provided by PSECU.   This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

The holiday season is a time of joy, celebration, and togetherness. Yet, for many couples, it can quickly become a whirlwind of stress and financial strain. But fear not! With a little planning and communication, you and your partner can breeze through the holidays with ease and create unforgettable memories together. Here's how you can start preparing now for a more joyful, stress-free holiday season without the holiday financial hangover. Listen to this week's episode to hear the one thing that we do to ensure financial success throughout the holiday season.     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Imagine waking up one day to find that all your savings have vanished. It's a scenario many of us hope to never face, yet it's crucial to be prepared. Whether due to a hurricane, a business failure, or a market downturn, the emotional impact of losing everything can be overwhelming. This can be scary for anyone. In this episode we discuss how this might make us feel and how we'd try to shore up our finances. Developing a solid emergency plan in advance can provide a sense of security and clarity during chaotic times. We believe however, resilience can be built, and recovery is possible with the right mindset and resources. Listen to this week's episode to hear our thoughts and find inspiration in the midst of potential calamity.     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, we delve into the captivating question, "What if you won the lottery?" Join us as we explore how planning a "lottery date" could serve as a powerful catalyst for dreaming big and planning your future. This exercise can help you overcome mental barriers and ignite fresh ideas. Whether you're feeling stuck or seeking a new perspective on your goals, this episode will encourage you to think bigger and strategize smarter. While we don't advocate playing the lottery, we emphasize the importance of envisioning grand possibilities to energize your ambitions. Listen in to hear about what' we'd do with megamillions too!   This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

To celebrate Ericka's birthday and add some excitement to our relationship, we decided to have a role-play date! It was a fun and thrilling experience that allowed us to step outside our comfort zones. And it got a little spicy in a good way! When you care deeply for someone, it's easy to take them for granted and just go with the flow. Sometimes, all you need is a little change to reignite the spark.   Tune in to this week's episode to find out exactly how we made it happen and whether we'd do it again!    This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

These days, it seems like everyone aspires to be a millionaire. This coveted figure symbolizes success, and currently, we're witnessing a surge in newly-minted millionaires as wealth accumulates at an unprecedented rate. In this episode, we explore the shifting landscape of wealth demographics, noting how billionaires are becoming younger and Americans, in general, are growing wealthier. But the question remains: Is $1M enough for a comfortable retirement? Join us as we discuss these topics and our opinion on what it takes to retire.   This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

When you walk down the aisle and say "I do," no one anticipates the challenging moments that come with "in sickness and in health." That part can be tough! In this episode, we delve into our recent struggles that compelled each of us to step up for the other. Supporting one another during difficult times requires empathy, patience, and a great deal of love. What does it truly mean to be there for your partner when they're facing hardships? We share our personal experiences and offer practical advice on how to show up when it matters most.     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

This week, we explore the realities and challenges faced by the "Sandwich Generation." We are right in the middle of this phase of life. It involves the intricate balance of caring for young adult children while also addressing the needs of aging parents. We discuss the mental and emotional hurdles that often lead to unexpected stress and anxiety. But don't worry—we're here to provide valuable advice and support to help you navigate this demanding yet rewarding stage of life.     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, we address a pressing question on many minds: Is a recession looming? Recently, the stock market suffered a dramatic one-day decline, raising concerns among investors and the general public about the potential long-term effects on our economy. This week, we will explore: ol]:!pt-0 [&>ol]:!pb-0 [&>ul]:!pt-0 [&>ul]:!pb-0" value="1">The risks of relying too heavily on job security. ol]:!pt-0 [&>ol]:!pb-0 [&>ul]:!pt-0 [&>ul]:!pb-0" value="2">Practical strategies to enhance your personal economy. Tune in now to ensure you don't miss a moment!     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Welcome to our special 26th wedding anniversary episode! 🎉 In this heartfelt and candid chat, we reflect on over two and a half decades of marriage. Have you often wondered, "How do you make a marriage last?" Well, we're here to share our story, from the most challenging moments to the most fun seasons we've experienced together. It hasn't always been easy but we'd both agree our journey has been worth it! Tune in to hear about all of it!     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, we tackle a common yet complex question that many people face while managing their finances: Should you continue to give and/or tithe while working your way out of debt? This dilemma often weighs heavily on individuals, especially those who have strong faith-based commitments that encourage generosity. We will examine the balance between maintaining these commitments and the practicalities of budgeting effectively. Join us as we explore the ins and outs of giving during financially challenging times, discussing not only the spiritual aspects but also the emotional and psychological impacts of generosity.     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

I hate to be the bearer of bad news, but the reality is, your kid isn't heading to the Olympics. Every year, countless parents invest thousands of dollars in sports, camps, training, and more, often not with the intention of creating the next Simone Biles, yet they spend as if it were a real possibility. Join us for this week's episode, where we discuss the financial and other commitments necessary to nurture an Olympian. If that path isn't suitable for your child, what is a reasonable amount to spend on their activities, and when should you consider stepping back from this investment? Are there alternative avenues your child can explore to carve out their future? Absolutely! There are many aspects to explore, and we delve into all of them. You don't want to miss this one!     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

It is easy to get stubborn about financial decisions. It's our money and what we do with it is very personal.  Plus, we don't want someone else to tell us what to do! Have you felt like this? Many times we reject sound wisdom simply because someone else suggested it. Check out this week's episode to learn about how being a knucklehead can cost you financially.     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

On this week's episode, we dive into the irresistible power of social media in shaping our shopping habits. Have you ever wondered how TikTok, Instagram or Facebook sway your buying decisions? We've got you covered with fascinating insights and top tips to make smarter purchases. You're not alone in battling those impulsive buys—trust us, we feel the struggle too! Tune in and join the conversation!     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, we dive deep into the financial burdens of being ill and explore strategies to manage both your health and your money effectively. From rising medical bills to the hidden costs of being sick, we uncover why illness can be so expensive and what you can do to mitigate these costs. Join us as we discuss Ericka's knee rehab expenses, the importance of preventive medicine, and practical tips to budget for healthcare.   This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Transportation is essential, but the real dilemma is deciding how much to spend and when. In this episode, we invite you into our internal discussion about adding another vehicle to our household. We explore our financial considerations, the evolving car spending habits of the average American, and the long-term impact of car debt on financial goals. Finally, we offer a step-by-step approach for couples to make informed and responsible major financial decisions together. Tune in now and join the conversation on whether it's time to upgrade your ride!     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, we revisit the goals you set in January and reflect on your progress. We explore why goals often fall by the wayside and share strategies to reignite your motivation. We'll provide a framework to assess your achievements, celebrate small wins, and discuss how to adapt when life throws curveballs. Finally, we'll offer actionable steps to help you finish the year strong, emphasizing that January isn't the only time to set goals. Tune in to get some practical advice to keep you and your partner on track with your financial goals.     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, we tackle the crucial subject of estate planning and why it's essential for everyone, not just the wealthy. We discuss significant life events that require plan updates and the potential consequences of neglecting setting up an estate plan altogether. Our myth-busting episode clarifies that having an 'estate' doesn't necessitate great wealth. We provid actionable tips for protecting your assets and legacy at any income level.    his episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

We're always told to save money, but do we really understand why? In this episode, we dive into the importance of saving and show you how to prioritize your own goals. Saving money is vital for financial stability and future planning. Many struggle to save due to unclear goals, living paycheck to paycheck, or lifestyle inflation. By setting specific objectives and adopting disciplined saving habits, you can overcome these challenges and secure your financial future. Join us to unlock the secrets of smart saving!   This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, we explore how tipping has transformed over the years. Since COVID, tipping seems to be expected in more and more scenarios. With life becoming increasingly costly, understanding where, when, and how much to tip can feel confusing, annoying, and downright frustrating. We'll cover various aspects of tipping—from local norms to international practices, and even touch upon the emotional weight tipping carries in today's society. Join us for insightful tips (pun intended) and perhaps even more questions about today's tipping culture.     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

This week, we share the exhilarating experience of our dream vacation to South Africa. Join us as we discuss how spending all the money on this trip was absolutely worth it, and why being able to travel was a key motivation for getting out of debt. We share highlights of the trip including the breathtaking landscapes, vibrant culture, and unforgettable moments we experienced in South Africa. Trips like this are worth all the effort spent working on positive money habits, getting out of debt, and building secure savings. This is the injection of motivation you need to keep moving forward!   This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

*]:p-0 [&>*]:py-[2px]" style= "box-sizing: border-box; border: 0px solid rgb(223, 223, 224); --tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; --tw-rotate: 0; --tw-skew-x: 0; --tw-skew-y: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-ring-offset-width: 0px; --tw-ring-offset-color: #fff; --tw-ring-color: rgba(59,130,246,.5); --tw-ring-offset-shadow: 0 0 #0000; --tw-ring-shadow: 0 0 #0000; --tw-shadow: 0 0 #0000; --tw-shadow-colored: 0 0 #0000; font-size: 0.875rem; line-height: 1.5rem;"> This episode is all about avoiding missed financial opportunities! Discover how to identify opportunities, make informed decisions, and ask the right questions. We discuss how flexibility with overbooked flights can earn you cash and/or vouchers. You can save money by renegotiating or switching service providers for your cable, internet, or cell phone.  It is also wise to evaluate and possibly switch providers to save on health, auto, or home insurance. Life gets expensive but some of these strategies help manage lifestyle inflation without sacrificing happiness. Listen in to this week's episode and hear all about Chris' recent travel hack or "scam" as some would call it!     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

As your kids leave home, you might wonder about the impact on your finances. We're here to debunk myths and offer insights to consider.  We often anticipate a dramatic decrease in our grocery bills. But is that really the case? We share insights into how food expenses evolve and why your dream of a shrinking grocery budget might not materialize as expected. With the kids out of the house, many of us feel the urge to explore and travel more. Although it's fun these costs can skyrocket. The empty nest phase brings about a pivotal moment to reassess financial priorities as well. We offer tips on how to adjust your savings strategy to align with your current life stage and future goals. Listen in to hear more!     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In a world overflowing with media; finding contentment with what we've got feels like an endless uphill battle.  We dive into the question... is it truly possible to achieve a state of financial contentment? We explore the dynamics between contentment in personal achievements versus financial aspirations.  Does reaching new heights in our careers and personal lives inherently breed discontent with our current situations?  Whether you're wrestling with financial discontent or seeking ways to appreciate the here and now, this episode offers a fresh perspective on achieving a balanced, fulfilling life. Tune in to discover how you can start the journey toward financial contentment today.     This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung   ---

In today's episode, we explore a topic close to every parent's heart: the delicate balance of supporting our children while encouraging their independence. It's a fine line between offering a helping hand and potentially hindering their growth by making life a little too comfortable. We're peeling back the layers on the financial support parents provide to their adult children – from covering basic needs to footing bills that ensure a struggle-free life. But at what cost? Are we nurturing their potential or inadvertently clipping their wings? We even share our own areas where we still support our grown daughter.  Check it out and listen in!   This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

This episode tackles the complex world of credit cards, from their benefits to their pitfalls. We cover topics like smart spending habits, the dark side of credit card use, and misleading industry practices.  Things get a bit personal as we share our own experiences with credit cards and how they once caused tension in our relationship. Spoiler alert... it wasn't pretty. Tune in to hear best practices and more.   This episode is sponsored by PSECU. To find out more go to: PSECU.com/forbetterandworth Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In today's episode, we take a deep dive into the world of Amazon shopping, asking the critical question: Is Amazon a trap? Anyone who has experienced the sheer convenience of clicking and receiving almost anything within 24 hours knows the rush it can bring. But what happens when this convenience starts to chip away at your budget and, more importantly, your financial goals as a couple? Join us as we uncover the hidden impacts of Amazon's convenience and share practical tips for setting healthy boundaries.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Millions of Americans are scrambling to get a piece of the student loan forgiveness programs currently being rolled out. Are you one of them? But so many of us have questions about the impact and what it all means. Will it make a lasting difference? Is it fair to those who paid their debt? What will our children face when they go to college? All of these questions are valid. Listen to this week's episode to hear our thoughts, recommendations, and a few rants about it all.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, we're taking a transparent and personal look at the unsettling experience of financial security breaches. Even as a seasoned financial coaching expert, vulnerability to fraud and identity theft remains a stark reality. Have you or someone you know been jolted by the far-reaching impacts of financial intrusion? Listen in as we open up about our recent encounter with this exact issue. Our story is a reminder that these violations can happen to anyone. We'll share the practical steps we took immediately after discovering the breach and discuss strategies to safeguard your financial data against potential scammers. Navigating the digital landscape safely may seem daunting, but we each play a crucial role in protecting our personal information. Join us to equip yourself with the knowledge to stay one step ahead of the security game.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Everybody's talking about it! Loud budgeting has taken over as a way to manage your money and let other's know what you are up to. This week we dive into the ins and outs of what loud budgeting really is and what makes it different if at all from how we've traditionally looked at budgeting.  Maybe you will decide to join in and amplify your budgeting message.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Do you often have these questions: Where should we put our money? Is my money OUR money? Should I stash some money? Where is all the money? These questions plague most couples trying to find commonality with their hard-earned funds. Check out this week's episode as we dive into the complexities and potential ease of deciding where to put it all and who then has access.    Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Budgeting consistently is hard.  There are times we simply don't feel like creating it, reviewing it, or sticking to it. But what do you do when you are tired and need to stay the course? Tune in to this week's episode to hear about strategies for remaining diligent to your plan and motivated to do the hard work. It isn't easy but you can do it.  We haven't always felt like doing the work either so you aren't alone.

How you view money is largely based on whether you typically take an optimistic or pessimistic point of view. Although neither perspective is right or wrong, it helps you know how your partner sees the world through their money lens. This week's podcast episode breaks down some of the advantages and disadvantages to the way the way we approach money decisions and behaviors.  And we give you insight on how to make sure you honor differing ideas. Tune in to hear more!   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Many couples have a hard time talking about money with one another.  There are emotions, history, and maybe even feeling like you don't have enough that taint the conversation. It might be good to rename money talks altogether.  Money dates allow you to set the stage for positive, healthy, and productive talks. Listen in to this episode for ideas on how to have fun while discussing money, how long these conversations should be, and what to avoid if needed.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Have you ever found yourself in a situation where your spending habits took a wild, somewhat comical turn? That's exactly the adventure Ericka embarked on recently. This moment involves an unexpected guest in the neighborhood - none other than 50 Cent. Yes, you read that right! Join us as we dive into this hilarious adventure, proving that some moments, though seemingly frivolous at first glance, can enrich our lives in ways money can never measure.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

For years we have been fans of the Five Love Languages. The principles in this book have shaped how we work with each other in our marriage and in our relationships with our daughters. It's time to embrace the power of understanding how to love your partner well. AND how these love languages could affect your financial lives. Listen in to find out how to meet each other needs and make deposits into their love bank. Your partner will thank you for listening in!   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Social media is full of images of couples expressing their love and admiration for each other.  But does this picture represent true "relationship goals?"  Valentine's Day allows you to go the extra mile with the one you love.  Are you participating?  Do you give gifts? Are you going out with your honey? No matter what you do make sure your honey knows you love them 365 days a year. This is true relationship goals. Tune in as we discuss what we value in a relationship, who has inspired us, and some keys to a successful relationship.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Navigating the tides of expectations within our closest bonds can be tricky. The weight of what's spoken, silent, or unrealistic can feel heavy if ignored. Join Chris and Ericka as they unravel the complexities of financial expectations and share their journey of transforming individual burdens into shared goals. Tune in and discover how you, too, can master the delicate balance of financial expectation with grace and solidarity, and find your rhythm, together as a team.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

One of the most common beliefs in our society is that more money can solve all problems. People presume that high income provides access to a good life, and that it's the ultimate purpose of our existence. But is this really the case? Some studies suggest that having more money can backfire and cause more problems than solutions. In this episode, we disagree and then agree many times.  This topic isn't easy and we've had to navigate it in our own lives.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

The holiday season is a time of joy, celebration, and often, overspending. Many people indulge in impulsive purchases, expensive gifts, and lavish decorations that end up leaving them with a financial hangover that extends well into the new year. For couples, this can be a particularly challenging time, as conflicting spending habits and goals can lead to resentment and stress in their relationship. In this episode, we will discuss tips and strategies for couples to navigate the holiday season and avoid a financial hangover beginning today!   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Turning 50 is a significant milestone in life. It marks a new chapter in the journey of aging and prompts a reflection on past achievements and future goals. Aside from the personal and emotional aspects, it is also a time for financial planning and strategizing. Chris just had this milestone birthday and you get to listen in to how he really feels about it!   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Do you stick to the predictable path, play it safe, and avoid financial risks? Many of us do! But, the role of risk-taking cannot be overlooked when it comes to making progress in life. it can be scary to take chances though, especially with money. This episode is dedicated to understanding what it means to take financial risks and how it can help you potentially achieve success faster. Listen in if you've been a bit slower to take risks like we were and hear what we wish we'd done differently along the way.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Happy New Year! As you start this year, it's important to recognize that setting and achieving financial goals can be daunting, especially when done as a team. This week, listen in to how Chris and Ericka approach goal-setting.  They discuss what has worked and what isn't helpful too.  In this episode, we will cover the importance of setting individual goals before sharing them with your partner, establishing a plan for dealing with financial decisions and difficulties, and the essential elements for effectively setting and achieving financial goals as a couple.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Money may not be the most romantic subject for most people, but it is among the leading causes of conflicts among couples. Soo… it can't be ignored.  Different people have different attitudes, patterns, and beliefs when it comes to their finances. It's crucial to have open and honest conversations about money and actively work towards reaching shared financial goals.  In this podcast episode, we have a conversation with the hosts of Modern Husbands about how to have healthy money dialogues with your partner and prioritize the right topics for you.     Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

The news of Mint being discontinued at the end of 2023 has left many of its users frustrated and annoyed. It's understandable considering that Mint was a free, easy-to-use financial management tool that had become a beloved staple for many. So, what happens now? Should we all just give up on tracking our finances? Listen in to this week's episode as Chris and Ericka discuss the importance of maintaining a tracking system in addition to your budgeting habits.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

The holidays are a time of joy, but they can also be stressful when it comes to gift-giving. This stress can be amplified when you share a bank account with your significant other and the element of surprise could be compromised.  However, there are ways to navigate this situation and still maintain the joy of gift-giving. In this episode, we will discuss the complications of gift-giving when sharing a bank account, the importance of preparation when buying gifts, and how to maintain the surprise element of gift-giving.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

We recently watched a show called "The Golden Bachelor," which follows a senior bachelor looking for love.. The show was entertaining and highlighted the importance of finding love and companionship in one's golden years.  It didn't however touch on the need for financial planning and security in these golden years. In this episode, we discuss a few critical factors to have in place as you age.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Living paycheck to paycheck is the harsh reality for 70% of Americans, regardless of income. Face it... The cost of living is never going to drop, unfortunately.  It is our responsibility to improve our own financial management skills and stop living close to the edge. In this episode, Chris and Ericka discuss their experience with paycheck-to-paycheck living and explore effective ways to overcome it for good.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

With the holiday season upon us, it's easy to get caught up in the frenzy of shopping and consumerism. But let's not forget what comes before all of that - Thanksgiving. Unfortunately, there is a tendency to overlook this special holiday and immediately start our holiday shopping. Black Friday then quickly turns into "Trap" Friday.  We rush through the aisles, grabbing the best deals and gifts, without taking a moment to pause and reflect on the true meaning of Thanksgiving. Listen in to this week's episode as Chris and Ericka give tips and strategies to navigate this season without breaking the bank and enjoy the real meaning of this season.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Embarking on a home renovation journey can feel overwhelming, regardless of your financial situation. Just ask Chris and Ericka, who recently took on a project full of ups and downs. But trust us, it was absolutely worth it! With proper planning, budgeting, and open communication, your home upgrade can turn into a rewarding experience. Join us in this podcast episode as we explore effective strategies for navigating significant projects while staying on track both financially and relationally.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Among the many financial factors that contribute to financial stress, credit reports and scores often remain unspoken taboos. Many couples shy away from discussing their credit reports and scores in fear of exposing their financial shortcomings and the perceived stigma associated with poor credit. It is crucial to break down the fear surrounding credit reports and scores to normalize the conversation and make improvements when necessary. In this episode, we will delve deeper into our credit story and explore the importance of discussing credit reports and scores in relationships.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Ericka and Chris record LIVE at FinCon 2023! They describe the event and its significance to their work. They share key takeaways which included a strong sense of collaboration, readiness for content sharing, potential partnerships and collaborations, and new ideas discussed at the conference. If you want to learn more about FinCon and its impact on financial content creators, listen in!   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Are college athletes set up for success or failure with NIL deals?  It might be the dream of every college athlete to increase their bank account or drive a nice car, but is it helping or hurting them? Many college athletes hope to go on to lucrative careers in professional sports, but the truth is most athletes won't get there. Name, image, and likeness deals can provide some much-needed relief during the lean college years.  In this episode, listen in as Chris and Ericka volley on opposite ends of this debate about college NIL deals.  They look at the realities and long-term ramifications of these potential opportunities and find out why financial education is essential for college athletes looking to make informed choices about their futures.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Have you ever found yourself thinking that if you had more money, your financial problems would disappear? It's a common assumption, but is it actually true? In this episode, Chris and Ericka explore the paradox of more money and how it can potentially create more financial problems. We discuss real statistics and delve into personal experiences to help you reflect on your own approach to money management.  Finally, provide some tips to help you avoid the pitfalls of more money and lead a more financially secure life. Tune in now!   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Many of us tend to measure our worthiness through our net worth. We believe that the more money we have, the more successful we are. The fact is, money is just a means to an end, and it should not define our worth.  In this podcast episode, Chris and Ericka delve deep into the crucial balance between self-worth and net worth and the path to thriving financially.      Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Pets can bring joy, comfort, and companionship to our lives. For many of us, our pets are part of our family and their companionship is invaluable. However, when it comes to pet ownership, couples may have different perspectives and priorities that can lead to conflicts. These disagreements can range from who should take care of the pet to how much money should be spent on pet care. This can put a strain on the relationship, particularly when it comes to finances.  In this podcast episode, Chris and Ericka will share their unexpected experiences with pet ownership and how they have found common ground.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Growing up in a single-parent household can be challenging, but it can also provide valuable life lessons. Both Chris and Ericka grew up in single-parent households, and they credit their upbringing with teaching them responsibility, work ethic, hustle, and resilience. Listen in to hear how they feel about the advantages of having a single parent. There are benefits and life skills gained from growing up in a single-parent household and it can help families raising children to be financially responsible.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Money can be funny.  But, most of the time talking about money isn't funny at all! In this episode, Chris and Ericka discuss how it takes courage to have meaningful money conversations in relationships. Identifying personal hot buttons around money helps people understand what is required in order to elevate the conversation.  We share our own experiences where courage was necessary.   It took courage to make some financial decisions but the outcomes are worth the effort.  Although you may not be able to see that right away. Having these conversations can help people make lemonade out of lemons. An important element of these conversations is the ability to recognize individual discomfort around certain topics, along with taking courageous steps to address them. Listen in to learn more.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Sometimes it just feels good to do nothing. Just chillin' out, relaxing, and allowing life to happen without your intervention feels good. Until it doesn't. It is important to think about what you might be missing in life if you don't change your money habits. There may be adventures, experiences, causes, etc. that you can't participate in if you don't get your financial house in order.  Waiting isn't always going to work in your favor. Especially with money. Listen to Chris and Ericka discuss how the cost of staying the same financially could be harmful and what to do about it.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Have you ever found yourself wondering where does all of my money go? Do you have this feeling that one day the bottom will fall out, a major life event will happen or you won't have enough cash to weather an important storm? These concerns affect everyone.  However, the small "money leaks" could be the real culprit that makes you feel like you don't have enough when you need it. Tune in to hear how Chris and Ericka have handled these money leaks and get some tips on plugging them up yourself.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Sometimes our differences cause us to feel like we are in two different spectrums.  One partner may cast a vision and dream. The other partner may see only in terms of today and the reality of a situation. Neither perspective is better than the other. The way we view life may vary from moment to moment. Learning to appreciate our differing views and use them for the good of the relationship is where the magic happens. Check out how Chris and Ericka see the world as either visionaries or realists and hear the benefits of both life perspectives.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Call it whatever you want: a fight, disagreement or argument.  No matter how you name it the way you handle these tender moments is critical. Chris and Ericka have termed their disagreements in a way that keeps in mind the big picture. Listen in as they share ways they have been able to move through challenging times and still like each other. You won't agree on everything but you can agree on how you will navigate heating discussions to preserve your friendship and relationship. You don't want to miss this one!   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

If you don't enjoy talking about money with your partner, it is probably hard to discuss it with your kids That is the challenge a lot of people face. We have all made mistakes with money and many times we choose to shield those moments from our kids. But, what if we invited them to share in the wins and losses? What if we discussed money even when we didn't feel like it? What if we taught money lessons while we were learning too? In this episode, you will hear exactly how Chris and Ericka approached educating their kids about money matters during their get out of debt journey.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

It's been 25 years since we got married!  Most marriages don't make it this long. Chris and Ericka don't take that for granted.  In this episode, they reminisce, share tips for longevity, and think about what they look forward to next.  Although marriage is beautiful and well worth the journey it also takes intentionality to go the distance. Listen in to hear how they've handled (or juggled) it all.  You don't want to miss this one!   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

In this episode, Chris and Ericka chat with their daughter Olivia Young, a current college student. Her Gen Z perspective and wise approach to college choice and savings provide valuable insights for anyone who tunes in.  If you have kids listen in.  If your kids are college-bound listen in.  If you are an adult looking to get your financial house in order... listen in.  Even Chris and Ericka received some good nuggets from their own daughter. You don't want to miss this one!   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

We can learn a lot from generations that come after us.  As a special treat, this week we dive into the perspective of our oldest daughter Faith. Listen in as she shares about what it was like to grow up in our household, her thoughts on budgeting, and what goal she's working on right now. She made us laugh and also very proud. Her advice to parents and her peers is priceless.  You don't want to miss this episode!     Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Have you ever felt like people want you to do good but not too good? There seems to be a limit to what other people can handle when it comes to your success. This could cause you to censor your wins and successes simply because of what other might say. It is hard to decide when, how, and which whom to share your financial progress. But it might be better to not care about the naysayers all together. This week Chris and Ericka share how their financial wins caused some reflection and made them take pause.  Listen in to hear how they handled the changes throughout their financial journey.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

There are lots of feelings and emotions around having debt and/or using credit. The emotions can lead you to feel like you've done something wrong on your financial journey.  And maybe you have made mistakes. But we've all done that, right? So, how do you handle the dlemma over the "rights" and "wrongs" of being in debt? Is there an actual right way to maneuver in life financially? Tune in this week to hear how Chris and Ericka view this potential moral dilemma and what to do about it.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Everyone has their limits.  Even if you don't say it out loud you know where the lines are drawn. You could have spending limits, relationship barriers, or family boundaries.  These limits help you feel safe and keep you feeling like you can make it when times get tough or money is tight. Have you thought about the things you either can't live without or the places in your relationship that you literally won't touch? In this episode, Chris and Ericka share what they call "non-negotiables" or "no matter what's."  It can be very helpful to know where the lines are drawn to protect you, your money, and your relationship. Listen in to hear more...   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Have you ever felt like you wanted to forget the budget, stop tracking your expenses, and just relax financially? Everyone has!  Doing this stuff consistently is hard! What you do in these moments is key. There are some important concepts to think about when you are at a point where you are tired of the financial journey. Even financial gurus and experts have days where they get sick and tired of doing the "right thing."  Hear about how Chris and Ericka navigate these moments.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Have you ever wondered about how much money you need to have and then how much is actually ENOUGH? Is there an amount of money in which you will be happy and taken care of for life?  And can you even save Enough? The answer to this question is as unique as the person being asked.   But trying to understand how much is enough brings up other discussions especially if you and your partner don't see eye to eye on what it is and how to get there. Check out this week's episode to see what Chris and Ericka think about Enough.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Couples, partners, spouse, etc can get on each others last nerves! But, there is always something for us to learn from each other. AND that learning can strengthen the relationship. It takes intention to identify and appreciate our differences and what we both bring to the financial table.  Listen in to find out how we see the best in each other and use our gifts to their best ability.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Sometimes it is hard to talk about money, especially with friends.  Finding support, partners in debt-freedom or simply encouragement can be hard. We have navigated a variety of relationships and even moments that were surprising on our journey to financial freedom on our terms.  No matter what you desire in the future, getting there is so much more fun with friends who "get you." Listen in to hear more about how to speak up for yourself AND ensure you aren't alone when you find your version of freedom.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Most people have heard of the 7-year itch in marriage.  But what about the 10-year twitch?  We aren't sure if that is a real syndrome but we do know that it was around that time when we struggled a little bit. Every relationship has its ups and downs.  We found ourselves in a challenging moment during what was supposed to be a happy or exciting time.  Maybe it was for one of us but not all of us. Listen to this week's episode to hear how we navigated this season.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Companies are letting people go at record rates. It is scary to think about what could happen to your income and how to land on your feet despite the uncertainty. We've experienced our own times of job turmoil with layoffs.  Those times weren't easy, but there were good lessons learned and it definitely shifted our perspectives for the better.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

We took trips while getting out of debt.  Were they extravagant? Nope! But enjoying the journey helps you stay the course. We enjoy trips and we spend money on it consistently.  It is an investment in our relationship.  Listen in to hear HOW we do it and why it is so important.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Our favorite show brought up a topic that gave us pause. So we tackle the question... who's money is it anyway??! No matter who brings in the income and how much they bring in, conflict can arise when demands are present.     Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Buying a home is typically the largest purchase you will make.  Mistakes in this area can cost you... BIG.  Trust us, we know. Tune in as we share our mishaps, regrets, and frustration with real estate.  Sometimes we got it right and sometimes we got it all wrong. Have you been there too?   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Do you have a hard time saving money?  Sometimes it is hard to find ways to save and keep it tucked away.   For our inaugural guest podcast we have invited Ryan Armstrong, President and Co-Founder of Guac to chat with us about an amazing new way to save. During this episode you get all the details about how this FREE app works and the benefits of using it as you work to achieve your financial goals.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

We went to our 1st EconoMe Conference!  This is where enthusiasts of the Financial Independence Retire Early (FIRE) movement come to learn, make friends, and get inspired.   Nearly 500 people who desire a new American Dream on their own terms sat in sessions or workshops and gained new "fire" for their version of how to live life.   Listen in... this might be a conference you want to attend for motivation on your next financial steps.   Check out past EconoMe main stage speakers: https://www.youtube.com/@economeconference2064/videos Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Have you been told lies about what marriage really requires? Yep, we all have.  Blindly following the advice or idealistic view from someone else's eyes isn't setting a good foundation for truth or success in marriage. This week we discuss the lies we once believed and shed light on healthier ways to view that topic.     Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

People define rich, wealthy, and millionaire differently.  But if you can't identify the target you won't know if you've reached it right? Tune in as Chris and Ericka shine a light on these terms and give perspective and how to view them objectively.  Then you get to decide what level of wealth you are striving for.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Luxury and name brands matter to some people.  But, this can be a hurdle to accomplishing your long term financial goals. In this episode, we talk about what really matters most.  This was one of the most popular topics from our interview with Anthony O'Neal on the Table.  Listeners couldn't believe what Ericka said.  We recap and dive deeper into the conversation.   Check out the original interview with Anthony O'Neal here. Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Getting out of debt can take time.  No one wants it to take longer than necessary to get free, but life gets in the way. The Young's journey included detours, pitstops, emergencies, and of course children. These things can change when you accomplish your goals.  Do Chris and Ericka have any regrets?  Find out by listening in.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

The power struggle for control can derail progress with your money.  In any relationship there could be a challenge trying to understand roles and responsibilities. But if that turns into a tug of war for power problems can ensue. This week's episode dives into this critical pieces to your financial success including boundary setting. Don't allow the quest for power to impact your relationship negatively.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Sometimes we can confuse needs and wants.  Our desires can be so strong that we mislabel them a need and the budget gets out of control.  Depending on where you are on your financial journey the needs and wants could change. Listen to hear what Chris and Ericka think about the must-haves in a budget and how to still live a full life without deprivation.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Emergencies happen at the most inconvenient times.  What do you do when you need to make an important decision but emotions are high, viewpoints differ, and you don't want to part with your hard earned cash?  Listen in as Chris and Ericka discuss a recent emergency.  Ericka didn't want to engage in any money conversations! What did they do?   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Wealth building can feel like a daunting task.  Retirement seems like so far away that planning can be put off.  But, if you aren't consistent you'll never get there. Chris and Ericka share tips on how to set your big picture goal, continue on the right path, and what to do when you get off track. There's also a bit of inspiration to motivate you to action.  Listen all the way to the end!   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Do you have a hard time figuring out where to begin a healthy money conversation with your partner?  It is common for these money talks to turn into money fights.  It doesn't have to be this way though. Learn some tips on how to have productive, effective, and healthy conversations about money.  We are also celebrating the 6-year anniversary of Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have. Get the inside scoop on how it came to be.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Kids cost money, and a lot of it!  There is a common thought that people need to wait until they reach certain financial milestones before they have children.  Listen in as Chris and Ericka share how their parenting journey began.  Teaser alert: they weren't ready!  From tackling debt, managing emotions, and handling diversions you will hear several ways they made parenthood work no matter what.   Our website: www.forbetterandworth.com   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Tune in as Chris and Ericka share their upbringing and how it shaped them into who they are today.  Shout out to all the single parents holding it down!  It is no secret that finances in a single parent household are tight.  Everyone's upbringing has its own challenges. Therefore, when you start having money conversations with your partner reflect on your past before you talk about the actual numbers.  Your money past is a critical piece of your money story.    Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have   Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Chris and Ericka tell the story about why they were motivated to get out of debt and the process they went through. It can be easy to look at your finances and say, "How did we end up here?"  Hear how Chris made a pivotal move to get us both headed in the right direction. Eventually we pulled our friends into this debt-free journey.  You don't have to do it alone!  Life happens.  We experienced job loss, major roadblocks, etc. but we stayed the course. Don't let the pitfalls keep you down.     Our website: www.forbetterandworth.com   Connect with us: Instagram: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Were you told to go to college and you will be able to get a job and life would be easier?  Somebody definitely told us that!  Listen in to hear how Chris and Ericka initially took traditional paths and careers but found there was something else in store for them. Their paths shifted a few times during college and after. The possibilities were endless and growing up in the city they didn't always have the best direction.  However they never had a lack of MOTIVATION. Listen in on how they took risks with jobs, careers and where to live. They knew that accruing more debt was not a good option, but it happened anyway! They went a little deeper into debt but finally charted their path out.   Our website: www.forbetterandworth.com   Connect with us: Instagram: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Hear the story of how Chris and Ericka met. This is where it all began and started their journey together. They were all in!  Listen to learn about how they handled their 1st money conversation.  That was uncomfortable! Enter our world of counseling, credit reports, and other early life realizations. You will laugh as you listen and find yourself in the middle of their story. It takes some persistence and determination to MAKE things happen.  That is exactly what they needed to employ just to get married.   Our website: www.forbetterandworth.com   Connect with us: Instagram: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Allow us to introduce ourselves... we are Chris and Ericka Young. We have talked about beginning a venture together for years and now it's time to put "Action" behind our thoughts and words. We have been together for a loooong time and believe that anyone can learn from the ups and downs we have experienced.   Ericka is a passionate financial coach of 18 years and loves to see couples win with their money. Chris has worked in Corporate America for years, and together they have been determined to change their family tree.  It's time to see other families do the same. This is just the beginning and we intend to share our life, marriage, and money experiences every week. Listen out for those "Mindset moments" in this episode.   This is the podcast where you don't have to sacrifice your relationship while you build your net worth.     Our website: www.forbetterandworth.com   Connect with us: Instagram: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung

Chris and Ericka Young are the creators of For Better and Worth.  Listen in to learn about why they are starting this ongoing conversation about relationships and money. It's fun, engaging, and worth the investment of your time.  Stay tuned for more episodes dropping soon!