rich & REGULAR with Kiersten and Julien Saunders

• Ep 212: If you’ve ever worked for yourself (or dreamed about it), hit play

  This week’s episode is about decision-making and how to know what’s actually worth it when you work for yourself.We recorded this right after speaking at a conference in Jamaica where we walked through some of our own real-life crossroads as business owners with a group of entrepreneurs. The talk resonated so deeply, the only feedback we got was: “Can you just put this all on one page?”This is our answer to that.We’re talking about those high-stakes, low-certainty moments every entrepreneur, side hustler, or freelancer has to face eventually like what to sell, when to say yes, how to price your work, when to hire help, whether to spend or play it safe. And, maybe most importantly, how to move when the pressure’s on and the money feels tight (or even when it’s flowing).We get into:Why emotional decisions are so expensiveWhat Annie Duke’s poker strategy has to do with entrepreneurshipThe $500 mistake we made early on that cost us doubleHow to protect yourself from thinking too small without blowing your budgetAnd the biggest difference between people who survive in business and people who burn out earlyWhether you’re self-employed, freelancing, or bootstrapping something new, your decision-making process should match the size of what you’re trying to build. If you’ve ever felt like your goals were too big or your fears were too loud… this one’s for you. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

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• Ep 211: What tariffs teach us about Financial Literacy

  It's the last Monday of Financial Literacy Month 2025, and unless you’ve been living under a rock or blissfully disconnected, you’ve probably heard the noise about tariffs lately. U.S. tariffs on Chinese imports are climbing as high as 145%, with threats to go even higher. And while it’s tempting to think that’s a political issue, the truth is tariffs effect your wallet and budget. In this episode, we’re breaking down what tariffs actually are, how they distort prices, and why understanding how prices are shaped has never been more important. Because if you don't understand how prices are set, you don’t really understand how money moves, and in a world where price tags lie, shrink, surge, and shapeshift every few months, that's not just an economic problem. That's a literacy problem.We cover:Why it’s so hard to  just "make everything in America", even if you want toHow companies quietly pass tariff costs onto you and how to spot itReal-world tools to build price literacy and become a sharper consumer and investorWhat it means to see yourself as part of the global exchange, and why that gives you more financial power, not less.Links: Kim Lewis reel on luxury prices (bonus: watch our interview with Kim here) CamelCamelCamel - Amazon Price TrackerGoogle Chrome Price Tracker  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

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• Ep 210: Everything you were never taught about bankruptcy

  This week, we’re breaking down bankruptcy in the way it should’ve been explained all along: without shame, without legal jargon, and without the “womp womp” energy we’ve all been taught to bring to it.You’ve probably heard of Chapter 7. Maybe even Chapter 13. But unless you’ve filed for bankruptcy, or know someone who has, you’ve likely never learned what it actually means.We kick things off with the viral rise of the “debt strike” trend on TikTok and Instagram, where people are publicly declaring they’re done paying back debt and explore what it says about our cultural relationship to money, morality, and relief.Then we get into:What Chapter 7, Chapter 13, and Chapter 11 actually areWho qualifies and howWhat a “means test” is and how it worksWhat happens to your credit score and your sanityThe real costs (financial, emotional, and social) of filingAnd why bankruptcy might more of a mental health intervention than we give credit for Along the way, we myth-bust the stereotypes and unpack why bankruptcy, like divorce, might just be a legal reset that deserves more empathy and way less side-eye.Links: Episode 174: A spike in bankruptcy (Topic #2)  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

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• Ep 209: Getting paid to move? Is moving two states over the new expat life?

  What if we told you there are cities in the U.S. that will pay you to live there?In this episode, we're following up on our popular expat conversation with a deep dive into domestic relocation incentives. We’re talking cash grants, down payment assistance, tax breaks, bikes, and even golf memberships offered by places you may have never considered calling home. Think Jackson, Michigan. Pawnee City, Nebraska. Topeka, Kansas. Tulsa, Oklahoma. Yes, they’re real places, and they’re putting real money on the table.If you’ve ever felt stuck in an expensive city, or fantasized about starting fresh but didn’t know where to start, or if you’re just tired of stretching every dollar, this episode is for you. But before you start packing, let’s talk fine print.We break down:Why the U.S. is basically 50 mini countries in a trench coat (and no, that’s not us being dramatic, it’s federalism)How states differ more than you think, from taxes and politics to culture and cost of livingWhy moving two states over might require just as much mindset work as moving abroadWhat the actual catches are in these incentive programs (spoiler alert: it’s not free money, and yes, some of y’all might have to check in like you’re on parole)How to research a city’s vibe without getting on a plane, from Facebook groups to Yelp reviews to Google Maps street view Links: Episode 205 - Expat Life: how to test the waters and decide if you should dive inMakeMyMove.com – Find relocation incentive programsReddit subs: r/relocating, r/digitalnomadZillow, CNET, NY Post listicles (search “cities that will pay you to move 2025”) Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

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• Ep 208: Van Life and why living in a car still freaks people out

  Most people aren’t neutral about the idea of living in a car, and that’s exactly why we needed to talk about it.This week, we dig into the stigma, structure, and stories behind van life. It’s not a guide on how to gut a Sprinter or stealth-camp in a Target parking lot, it’s a deeper exploration of what it means to live differently and why that still freaks people out.From the viral story of Dawn Robinson of En Vogue (yes, *that* Dawn) who shared that she’s been living in her car by choice for the past three years, to our personal stories of barbers, truckers, and friends navigating life on the margins of “traditional” housing, we cover the full terrain of what it means to opt out of the norm. Spoiler alert: it’s complicated.We cover:Why alternative housing is still treated as “failure” unless it’s influencer-approvedThe invisible infrastructure that makes van life even possible and why it’s not always fully “off-the-grid”Why HUD, housing policy, and language matter more than you thinkThe difference between choosing van life vs. surviving itHow Black culture relates to nontraditional housing, and why we don’t often see ourselves in the #vanlife aestheticThe emotional, financial, and logistical costs of so-called “freedom”This is one of those “sit with it” episodes. It’s not about romanticizing struggle or glamorizing minimalism, it’s about challenging the way we define dignity, shelter, success, and the American dream.Because let’s be honest: if someone chooses to live in a van and finds peace, why does it make the rest of us so uncomfortable?Listen in. Challenge your definitions. And maybe, just maybe, reconsider what home really means. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

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