Queer Money

Queer Money

The Debt Free Guys

Queer Money is the only show dedicated to how our money and our lives intersect. Gay, Lesbian, Bisexual, Transgender or Queer, we all have money needs. The Debt Free Guys will help you sort it out so you can #LiveDebtFree #HaveFun & #BeMoneyConscious!

55 minutes 26 seconds

How to Retire Often with Jillian Johnsrud | Queer Money Ep. 520
Are you postponing your personal goals and dreams until you turn 65?
What if you don’t have to wait until retirement to travel, write your memoir, or pursue a hobby you love?
What if you could take several mini-retirements throughout your career and achieve some of those ambitions along the way?
Jillian Johnsrud is the creator of Retire Often, a platform that helps people take a series of successful sabbaticals throughout their careers.
Jillian reached financial independence at age 32 and has since traveled to 27 countries with her family. She is also the author of Fire the Haters and host of the Retire Often podcast.
On this episode of Queer Money®, Jillian joins us to explain why it’s challenging to achieve our personal goals on nights and weekends and explore what you might do on a sabbatical from work. Jillian discusses the pros and cons of taking mini-retirements and describes how to plan for the financial and emotional aspects of taking a break from work.
Listen in for insight on negotiating a month off without leaving your current job and learn how to build a meaningful, fulfilling life by retiring often!
Topics Covered
- What it means to retire often and why Jillian is an advocate for it
- Why it’s challenging to achieve our personal goals on nights and weekends
- How Jillian took a dozen mini-retirements in the last 20 years
- Examples of the things you might do on a sabbatical from work
- How a mini-retirement can help you recover from or prevent burnout
- When taking a sabbatical can be a difficult transition for people
- How to plan for the financial and emotional aspects of taking a break from work
- How to retire often without hiccups in contributing to your 401(k)
- How a mini-retirement can be more affordable than multiple vacations
- Tips for people who want to take a mini-retirement without leaving their job
- How to negotiate a month off in a way that gets your boss on board
- What to do if you feel too important/not important enough to take time off
For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe
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2 July 2024, 6:00 am
10 minutes 32 seconds

Top 7 Most Affordable LGBTQ+ Friendly Cities for Outdoor Activities | Queer Money Ep. 519
Do you love the outdoors? Are you into hiking, biking or spending time in your local parks? If so then this Queer Money is for you.
This week we're taking a request from one of our YouTube viewers who asked for a list of LGBTQ friendly cities for outdoor life, so we're delivering.
This is Queer Money episode #519. Today, we’re diving into the top 7 most affordable LGBTQ+ friendly cities for folks who love the outdoors.
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27 June 2024, 6:00 am
51 minutes 24 seconds

How Mmmly Cookies Launched | Queer Money Ep. 518
Many of us in the LGBTQ community were bullied as kids for being different. But few of us leverage those experiences as inspiration to launch a cookie company!
Nicholas Naclerio turned to food for comfort when he was bullied for being gay. But when he turned 18, Nick got healthy and decided to use food as a form of self-expression and healing; to transform his pain into something good.
Today, Nick is Founder and CEO at Mmmly, the good-for-you cookie brand that leverages nutrient-dense ingredients to make delicious, indulgent cookies with health benefits.
On this episode of Queer Money, Nick joins us to describe how building Mmmly helped him heal from childhood trauma and share the creative aspects of building a business he loves most.
Nick discusses how he used a combination of bootstrapping and investor money to fund Mmmly, explaining what it means that the ‘entrepreneur eats last’ and how that can become a problem.
Listen in for Nick’s advice to other queer entrepreneurs and learn how to build a successful consumer brand—without losing yourself in the process!
Topics Covered
- How Nick turned to food for comfort when he was bullied for being gay
- How Nick’s love of comfort food inspired his mission to create a healthy indulgence
- What makes Mmmly the good-for-you cookie brand (and why other brands don’t use healthier ingredients)
- How building Mmmly helped Nick heal from his childhood trauma
- What Nick loves most about the creative aspects of building a business
- What the recipe development process is like and how Nick knew when a cookie was ready for production
- How Nick used a combination of bootstrapping and investor money to fund Mmmly
- What it means that the ‘entrepreneur eats last’ and how that can be a problem
- Why Nick is merging Mmmly with another company and what that means for his investors
- How it works when a small consumer brand is on the shelves at a major retailer
- What Nick might have done differently to deal with narrow margins early on
- Nick’s advice for LGBTQ entrepreneurs on creating a network of support and not losing yourself in the process of building a company
For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe
Follow us:
Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence
Mentioned in this episode:
Click here to find out how to get financial help adopting children
25 June 2024, 6:00 am
12 minutes 10 seconds

Top 10 Most Affordable Transgender Friendly Cities | Queer Money Ep. 517
The transgender community has taken the brunt of most of the anti-LGBTQ legislation that is being proposed and passed in the Christian Industrial Complex's attacks on the LGBTQ community recently.
So where are safe places that are also affordable for the trans community in the US?
This is Queer Money episode #517. Today, we’re diving into the top 10 most affordable transgender-friendly cities.
Past episodes mentioned in this episode:
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Mentioned in this episode:
Click here to find out how to get financial help adopting children
20 June 2024, 6:00 am
57 minutes 5 seconds

Money Secrets of the Uber Rich | Queer Money Ep. 516
Curious how the uber-rich protect their wealth?
If you knew the secrets of ultra-high-net-worth individuals (UHNWIs), could you leverage their approach to money management to grow your own wealth?
Tim Volk, CFP, is Founder and Principal at T. Volk & Company Consulting, a boutique financial advisory firm that serves ultra-high-net-worth families. He also hosts The
Rainbow Bull Podcast.
On this episode of Queer Money, Tim joins us to share the secrets of the uber-rich, describing what UHNWIs do to transfer and mitigate risk.
Tim explains how the uber-rich think about money in the long-term and challenges the LGBTQ+ community to adopt a future-self approach to spending.
Listen in for insight on raising kids who don’t feel entitled and learn what you can do to join the ranks of the emerging affluent or uber-rich.
Topics Covered
- How wealth managers define ultra-high-net-worth individuals
- What we can learn about the complexities of wealth from Crazy Rich Asians
- The differences between families of UHNWI and the LGBTQ+ community
- Why the queer community isn’t saving enough for retirement
- How Tim helps the emerging affluent manage capital through a family office
- How ultra-high-net-worth families transfer and mitigate risk
- Why Tim suggests choosing a life insurance policy with long-term care benefits
- How celebrities and the uber-rich aren’t immune to lifestyle creep
- What we can do to avoid raising entitled kids at any socio-economic status
- Tim’s future self approach to thinking about money in the long-term
- The lasting impact of a financially empowered gay community
- Tim’s advice on what you and I can do to become ultra-high-net-worth
- Tim’s challenge to focus on spending to bring joy to yourself and others
- How to deal with the dating dynamics of financial inequality
- Why it’s crucial for the LGBTQ+ community to stick together
For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe
Follow us:
Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence
Mentioned in this episode:
Click here to find out how to get financial help adopting children
18 June 2024, 6:15 am
10 minutes 7 seconds

Top 5 Most Expensive LGBTQ Friendly Cities | Queer Money Ep. 515
“Why is it so expensive to be gay?” A common sentiment that we hear from many in the LGBTQ+ community. Much of that has to do with where we choose or end up living since housing costs for many make up anywhere between thirty to fifty percent of their take home pay.
If you’re one of the few LGBTQ folks with lots of cash, these are the top 5 most expensive cities for you to check out. If you don't have the cash, these could be cities to either aspire to live in or to avoid for your financial and mental health.
This is Queer Money episode #515. Today, we’re diving into the top 5 most expensive cities for LGBTQ+ folks.
Past episodes mentioned in this episode:
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Mentioned in this episode:
Click here to find out how to get financial help adopting children
13 June 2024, 6:00 am
58 minutes 28 seconds

Healing Your Money Story | Queer Money Ep. 514
We all have a money story. And for many of us in the LGBTQ community, it’s a negative narrative.
Maybe you were taught that money is the root of all evil. That there’s never enough to go around. Or that you have to work hard to make money.
Worse yet, you may believe that you don’t deserve financial stability, let alone financial freedom.
So, what can we do to recover from the childhood traumas that are affecting our money today?
Scott Clover is an intuitive guide who helps people release old patterns and heal themselves using skilled intuition, body energy and somatic technologies.
On this episode of Queer Money, Scott joins us to discuss the most common patterns and behaviors exhibited by individuals with financial trauma.
Scott explains how being queer might influence your relationship with money and describes how releasing internalized shame leads to better financial decisions.
Listen in for Scott’s insight on using money in a way that strengthens your self-worth and learn how to rewrite your money story and start building an affirming relationship with your finances today!
Topics Covered
- How Scott defines intuitive healing and how it helps you change your behavior
- The reciprocity mindset you need to achieve financial stability
- Why accepting your existing financial reality is the first step to building an affirming relationship with money
- The most common patterns and behaviors exhibited by individuals with financial trauma
- How being part of the LGBTQ community might influence your relationship with money
- How to tell if past trauma is affecting your finances as an adult
- The power of releasing internalized shame and family expectations
- How comparing ourselves with others on social media keeps us stuck in judgement (and what to do about it)
- Breaking the stereotypes of what queer people are supposed to do, e.g.: stereotypical careers
- How to use money in a way that builds your self-worth
- How incorporating esteemable acts into our daily lives improves our wellbeing
- Why you might consider energy healing if traditional therapy doesn’t work for you
For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe
Follow us:
Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence
Mentioned in this episode:
Click here to find out how to get financial help adopting children
11 June 2024, 6:00 am
15 minutes 19 seconds

Top 10 Most Affordable, Gay Retirement Cities| Queer Money Ep. 513
Where can I retire that is both affordable and LGBTQ friendly?
We get this question a lot, especially as comments on our Affordable LGBTQ+ Friendly Cities series content.
This is Queer Money episode #513. Today, we’re diving into the top 10 most affordable retirement locations for LGBTQ+ folks.
Past episodes mentioned in this episode:
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Mentioned in this episode:
Click here to find out how to get financial help adopting children
6 June 2024, 6:00 am
1 hour 4 minutes

What You Can Do about America's Retirement Crisis | Queer Money Ep. 512
40 years ago, the US changed its approach to retirement.
But those changes shifted the risk from the government and corporations to individuals. And now, nearly half of middle-class retirees will be downwardly mobile into poverty or near-poverty in their golden years.
So, what can we do to solve the retirement crisis in America?
Teresa Ghilarducci is the nationally recognized labor economist behind the new book, Work, Retire, Repeat.
After an illustrious 25-year tenure at Notre Dame, Teresa joined the New School for Social Research in 2008. She has spent her career advocating pension reform.
On this episode of Queer Money, Teresa joins us to discuss what’s behind the retirement crisis in the US and explore what we can do to secure a dignified retirement for all.
Teresa explains why raising the retirement age isn’t the answer, exploring how the current system creates more inequality and harms low-wage older workers.
Listen in for insight on how life cycle disparities affect LGBTQ individuals and learn how Teresa’s Gray New Deal will help solve the retirement crisis in America.
Topics Covered
- What’s behind the retirement crisis in America and its political implications
- The risks associated with a pension-only retirement program
- 4 levers we can pull as voters, consumers, investors and workers to secure a dignified retirement
- Why raising the retirement age shouldn’t be the sole solution to the retirement crisis
- Why academics and politicians are arbiters of the ‘work-longer consensus’
- How changes to the retirement system create more inequality and harm low-wage older workers
- How life cycle disparities impact LGBTQ individuals and other marginalized communities
- 2 key tenets of Teresa’s Gray New Deal and how it would help Americans in retirement
- How economic security is even more important than equality
- What listeners can do to support the adoption of Teresa’s Gray New Deal
For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe
Follow us:
Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence
Mentioned in this episode:
Click here to find out how to get financial help adopting children
4 June 2024, 6:00 am
9 minutes 52 seconds

Top 5 Most Affordable, LGBTQ+ Friendly Small Towns | Queer Money Ep. 511
Tens of thousands of small towns are scattered across the United States. Yet many of us have been lead to believe that none of these are great places for LGBTQ folks. Is this true?
Today we're looking at affordable LGBTQ+ friendly small towns, or places with a population of less than 50,000.
This is Queer Money episode #511. Today, we’re diving into 5 affordable small towns that are great spots for LGBTQ folks.
Past episodes mentioned in this episode:
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Mentioned in this episode:
Click here to find out how to get financial help adopting children
30 May 2024, 6:00 am
41 minutes 16 seconds

The Economics of Being a Drag Queen | Queer Money Ep. 510
We’re drawn to drag queens and love being entertained by them.
But have you ever thought about what it takes to build a business as a drag performer? How much do they invest in costumes, makeup and marketing?
How do you make drag a full-time job?
Jessica L’Whor is an up-and-coming national queen who got her big break winning the Colorado State University Drag Show in 2013.
Since then, Jessica has been named Best New Queen on the Scene and Colorado’s Drag Entertainer of the Year.
On this episode of Queer Money, Miss Jessica joins us to discuss the economics of being a drag performer and describe how she does financial forecasting for her business.
Jessica explains what life was like before she got her big break and what she would do to avoid credit card debt if she could go back to the early days of her career.
Listen in to understand how Jessica lives her core values—work hard, play hard and slay humble—and learn how to turn the hobby of being a drag queen into your main source of income.
For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe
Follow us:
Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence
Mentioned in this episode:
Click here to find out how to get financial help adopting children
28 May 2024, 6:00 am
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