Jingle Jangle, Nappers! It’s the season one finale of Not Another Personal Finance podcast and we’re diving deep into holiday dysfunction. One way to stop that shit? Boundaries! 

Haley and Vee give tough Christmas cookie love when it comes to setting expectations and healthy limits around the holidays– from family time and gifts to Santa and potlucks. 

In this episode, we chat about:

🎄Why you need to have and enforce holiday boundaries in your family

🎁The importance of putting yourself first during the season of perpetual joy

🎄What you can do to reduce gift giving expenses this year 

🎁Why Santa *should* give small gifts + more

MENTIONED IN THE EPISODE:

• https://www.elfster.com/ 
• https://podcasts.apple.com/us/podcast/not-another-personal-finance-podcast/id1645118910?i=1000583674785 

ABOUT NAPFP:

Not Another Personal Finance Podcast: Unfiltered Finance Between Friends is a no-bs personal finance podcast unlike any other you've heard. 

Award-winning personal finance content creators and business owners, Haley Brown-Woods and Vee Weir, discuss money management, debt payoff, savings, investing, and more, in an easy-to-understand and hellaciously funny way.

Haley and Vee leave censorship up to other podcasts and wear direct messaging, dry humor, and foul-language as badges of honor. 

If you’re ready to get better with money and need real friends guiding you along the way, this podcast is for you.

FIND HALEY AND VEE ONLINE + SOCIAL MEDIA HERE:

• Haley’s Instagram, Twitter, Facebook
• Vee’s Instagram, Twitter, Website, Facebook
• Join the Price of Avocado Toast Newsletter
• Join the Vee Frugal Fox Newsletter

OTHER LINKS:

• 1:1 Coaching With Haley
• Become a Patreon

RECOGNITION:

• Audio engineer: Garrett Davis
• Research: Haley Brown-Woods + Vee Weir
• Podcast Artwork: Heather Divoky
• Podcast Support: Weir Digital Marketing

How in the hell did Vee make a $20,000 mistake!? Well, you’re about to find out, hunny. We chat in this episode about our updated business numbers, why you need to take care of yourself as a business owner (because guess what, it’s all on you) and livin’ that self employed life.

Mistakes are normal, and everything is figureoutable. Transparency is key and giving yourself grace is where the magic of money really happens.

In this episode, we chat about:

• How Vee made a $20,000 mistake + why errors are completely normal– even for finance professionals
• Oscillations, baselines, projecting your numbers + being aware of your revenue patterns
• The importance of recording your numbers every quarter as a business owner
•  Misconceptions of hiring a CPA vs. bookkeeping + more

ABOUT NAPFP:

Not Another Personal Finance Podcast: Unfiltered Finance Between Friends is a no-bs personal finance podcast unlike any other you've heard. 

Award-winning personal finance content creators and business owners, Haley Brown-Woods and Vee Weir, discuss money management, debt payoff, savings, investing, and more, in an easy-to-understand and hellaciously funny way.

Haley and Vee leave censorship up to other podcasts and wear direct messaging, dry humor, and foul-language as badges of honor. 

If you’re ready to get better with money and need real friends guiding you along the way, this podcast is for you.

FIND HALEY AND VEE ONLINE + SOCIAL MEDIA HERE:

• Haley’s Instagram, Twitter, Facebook
• Vee’s Instagram, Twitter, Website, Facebook
• Join the Price of Avocado Toast Newsletter
• Join the Vee Frugal Fox Newsletter

OTHER LINKS:

• 1:1 Coaching With Haley
• Become a Patreon

RECOGNITION:

• Audio engineer: Garrett Davis
• Research: Haley Brown-Woods + Vee Weir
• Podcast Artwork: Heather Divoky
• Podcast Support: Weir Digital Marketing

Author Tara Schuster joins Not Another Personal Finance Podcast to discuss her self-care journey from avoidant 25 year-old to self-care warrior. 

Tara, who decided to get her shit together after drunk dialing her therapist (big yikes), opens up with us and gives honest and practical lessons for healing your past and owning your future so you can radiate strength, bravery, and joy when life gets dark.

Tara is the author of Buy Yourself the F*cking Lilies, selected by Cosmopolitan, Real Simple, Goop, Publishers Weekly, and many more as one of the best books of the year on mental health and self-care.

Previously, she served as VP of talent and development at Comedy Central, where she was the executive in charge of such critically acclaimed shows as the Emmy and Peabody award-winning Key & Peele. She is also a contributor to InStyle, The New Yorker, Forbes and more.

In this episode, we chat about:

• How to reevaluate your personal finances and go down a healthier path
• The cultural obsession of extreme wealth + capitalism
• Why we need to buy the fucking Lilies (no matter what that looks like for you) 
• The importance of taking advantage of the resources you have access to
• Pausing, getting curious, and making a plan when it comes to your money + more

MENTIONED IN THE EPISODE:

• https://www.amazon.com/Random-Walk-Down-Wall-Street/dp/0393330338 
• https://10k.radreads.co/join-syp12 
• https://www.taraschuster.com 
• https://www.taraschuster.com/books 

GUEST SOCIAL MEDIA:

• Instagram
• Twitter
• Website

ABOUT NAPFP:

Not Another Personal Finance Podcast: Unfiltered Finance Between Friends is a no-bs personal finance podcast unlike any other you've heard. 

Award-winning personal finance content creators and business owners, Haley Brown-Woods and Vee Weir, discuss money management, debt payoff, savings, investing, and more, in an easy-to-understand and hellaciously funny way.

Haley and Vee leave censorship up to other podcasts and wear direct messaging, dry humor, and foul-language as badges of honor. 

If you’re ready to get better with money and need real friends guiding you along the way, this podcast is for you.

FIND HALEY AND VEE ONLINE + SOCIAL MEDIA HERE:

• Haley’s Instagram, Twitter, Facebook
• Vee’s Instagram, Twitter, Website, Facebook
• Join the Price of Avocado Toast Newsletter
• Join the Vee Frugal Fox Newsletter

OTHER LINKS:

• 1:1 Coaching With Haley
• Become a Patreon

RECOGNITION:

• Audio engineer: Garrett Davis
• Research: Haley Brown-Woods + Vee Weir
• Podcast Artwork: Heather Divoky
• Podcast Support: Weir Digital Marketing

How many times have you seen phrasing like this on the ‘gram: “I’ve made $420,000 in passive income this year! I never thought this was possible for me.🤯 Let ME teach YOU how– Use the link in my bio to sign up for my class TODAY– 20% off until tomorrow, don’t wait. Space is LIMITED!”

We know y’all have seen it. we know, because we’ve been a part of these posts and these marketing tactics – which is exactly why we’re peeling back the curtain and talking to you about why it’s fucked up.

In this episode, Haley and Vee chat about their real business numbers, criticisms of vague income claims, and why money transparency needs to be top of mind when it comes to selling shit online AND being sold to online.

If you’ve ever felt dismayed by income claims, wondering wtf you’re doing wrong… or you’re just angry at the BS – this one’s for you. 😘

In this episode, we chat about:

• Haley & Vee’s real business numbers - past and present
• Why we need more details when it comes to income claims 
• The importance of peeling back what being a “six-figure business owner means” 
• Using income claims as marketing tactics, realistic expectations as a business owner, why you’re doing fine, + more

MENTIONED IN THE EPISODE:

• https://mikemichalowicz.com/profit-first/ 

ABOUT NAPFP:

Not Another Personal Finance Podcast: Unfiltered Finance Between Friends is a no-bs personal finance podcast unlike any other you've heard. 

Award-winning personal finance content creators and business owners, Haley Brown-Woods and Vee Weir, discuss money management, debt payoff, savings, investing, and more, in an easy-to-understand and hellaciously funny way.

Haley and Vee leave censorship up to other podcasts and wear direct messaging, dry humor, and foul-language as badges of honor. 

If you’re ready to get better with money and need real friends guiding you along the way, this podcast is for you.

FIND HALEY AND VEE ONLINE + SOCIAL MEDIA HERE:

• Haley’s Instagram, Twitter, Facebook
• Vee’s Instagram, Twitter, Website, Facebook
• Join the Price of Avocado Toast Newsletter
• Join the Vee Frugal Fox Newsletter

OTHER LINKS:

• 1:1 Coaching With Haley
• Become a Patreon

RECOGNITION:

• Audio engineer: Garrett Davis
• Research: Haley Brown-Woods + Vee Weir
• Podcast Artwork: Heather Divoky
• Podcast Support: Weir Digital Marketing

BNPL, or Buy Now Pay Later, is all the rage these days. And Haley and Vee are raging all right. They capital H, HATE BNPL — and for good reason.

You want a new fancy Hydro Flask water bottle that is $40 and as you’re getting ready to checkout online, you are asked if you want to split the payment into 4 interest free payments of $10. This sounds like a pretty sweet deal. Why wouldn’t you want to do this!? 

This episode covers all the cons and pros of these “services,” plus why you should steer clear of payday loan apps too. 

In this episode, we chat about:

• The history of buy now pay later
• The communities targeted by BNLP
• Pros and cons 
• Haley shares the payday lending app that asked to collab with her 

MENTIONED IN THE EPISODE:

• https://www.retailbrew.com/stories/2021/12/27/the-evolution-of-buy-now-pay-later
• https://www.cnbc.com/2022/09/13/understanding-the-risks-of-buy-now-pay-later-apps.html
• https://www.lendingtree.com/personal/bnpl-survey/
• https://www.bankrate.com/banking/apps-that-smooth-cash-flow/#dailyPay
• https://www.investopedia.com/best-buy-now-pay-later-apps-5186864
• https://www.savings.com.au/buy-now-pay-later/afterpay-pros-and-cons-savings-com-au

Buy Now Pay Later Apps mentioned in this episode:

• Affirm 
• PayPal pay in 4 
• Klarna 
• Uplift 
• Sezzle 
• Afterpay
• Splitit
• Perpay

Payday loan Apps mentioned in this episode:

• Earnin
• Dave
• Brigit 
• Current 
• Chime 
• DailyPay

ABOUT NAPFP:

Not Another Personal Finance Podcast: Unfiltered Finance Between Friends is a no-bs personal finance podcast unlike any other you've heard. 

Award-winning personal finance content creators and business owners, Haley Brown-Woods and Vee Weir, discuss money management, debt payoff, savings, investing, and more, in an easy-to-understand and hellaciously funny way.

Haley and Vee leave censorship up to other podcasts and wear direct messaging, dry humor, and foul-language as badges of honor. 

If you’re ready to get better with money and need real friends guiding you along the way, this podcast is for you.

FIND HALEY AND VEE ONLINE + SOCIAL MEDIA HERE:

• Haley’s Instagram, Twitter, Facebook
• Vee’s Instagram, Twitter, Website, Facebook
• Join the Price of Avocado Toast Newsletter
• Join the Vee Frugal Fox Newsletter

OTHER LINKS:

• 1:1 Coaching With Haley
• Become a Patreon

RECOGNITION:

• Audio engineer: Garrett Davis
• Research: Haley Brown-Woods + Vee Weir
• Podcast Artwork: Heather Divoky
• Podcast Support: Weir Digital Marketing

NOT checking our bank accounts? We would never… a few years ago – but now that we’ve realized what our wealthy life looks like, we’ve been able to cultivate that kind of peace. Are you looking for the same thing? You’re in luck. 

Saying no, drinking coffee after dinner, being a bougie bitch, and injecting a rich experience into your day-to-day life no matter what income you make, is on the docket for episode 7.

In this episode, we chat about:

• What it means to be rich vs. what it means to be wealthy
• 5 ways to cultivate a rich life + Vee and Haley’s personal signifiers of wealth 
• Why wealth looks differently depending on location, culture, class, and upbringing
• How wealth inequality and/or the wealth gap skews our views of what real wealth is 
• Allowances, quinceañeras, Saturday naps, and embodying a mermaid sex panther + more

SPONSOR(S):

• This episode is sponsored by A Sunny Side Up Life Podcast

MENTIONED IN THE EPISODE:

• Student Loan Forgiveness Application
• Episode 3: How Finfluencers Use Their Platforms For The Good, The Bad, And The Ugly
• Ramit Sethi
• A Sunny Side Up Life
• Neuroscience Reveals: Gratitude Literally Rewires Your Brain to be Happier
• Budget Girl’s 15 Inexpensive Things That Make Me Feel Like A Millionaire 
• https://balancingeverything.com/who-was-the-first-billionaire/
• https://inequality.org/facts/wealth-inequality/

ABOUT NAPFP:

Not Another Personal Finance Podcast: Unfiltered Finance Between Friends is a no-bs personal finance podcast unlike any other you've heard. 

Award-winning personal finance content creators and business owners, Haley Brown-Woods and Vee Weir, discuss money management, debt payoff, savings, investing, and more, in an easy-to-understand and hellaciously funny way.

Haley and Vee leave censorship up to other podcasts and wear direct messaging, dry humor, and foul-language as badges of honor. 

If you’re ready to get better with money and need real friends guiding you along the way, this podcast is for you.

FIND HALEY AND VEE ONLINE + SOCIAL MEDIA HERE:

• Haley’s Instagram, Twitter, Facebook
• Vee’s Instagram, Twitter, Website, Facebook
• Join the Price of Avocado Toast Newsletter
• Join the Vee Frugal Fox Newsletter

OTHER LINKS:

• 1:1 Coaching With Haley
• Become a Patreon

RECOGNITION:

• Audio engineer: Garrett Davis
• Research: Haley Brown-Woods + Vee Weir
• Podcast Artwork: Heather Divoky
• Podcast Support: Weir Digital Marketing

What do snorting a line of coke and strategically switching career paths have in common? This episode, that’s what.

Haley and Vee tackle moves you need to make in your twenties, because we just turned 30– and we’re feelin’ a little nostalgic. 

We discuss why it’s important to experiment with your life, figure out what the hell you want, and make as many fuck ups as possible. Buckle up for a raw look at the things you should do so you don’t regret these formative years of your life later.

In this episode, we chat about:

• Sex, drugs and rock n’ roll
• Why failure (both personal and financial) is necessary
• The reason some people are here for just a season
• What boundary setting can look like + more

SPONSOR:

• ASSUL Podcast

MENTIONED IN THE EPISODE:

• Episode 5

ABOUT NAPFP:

Not Another Personal Finance Podcast is a personal finance podcast like you’ve never heard before. Finance content creators, podcasters, and business owners, Vee Weir and Haley Brown-Woods, discuss money management, debt payoff, savings, investing, and overall personal finance topics in a no-bullshit way. 

They leave censorship up to other podcasts and wear direct messaging, dry humor, and foul-language as badges of honor. 

If you’re ready to start your trek to financial freedom and need some friends along the way, this podcast is for you.

FIND HALEY AND VEE ONLINE + SOCIAL MEDIA HERE:

• Haley’s Instagram
• Haley’s Twitter
• Haley’s Facebook
• Vee’s Instagram
• Vee’s Twitter
• Vee’s Website
• Vee’s Facebook
• Join the Price of Avocado Toast Newsletter
• Join the Vee Frugal Fox Newsletter

OTHER LINKS:

• 1:1 Coaching With Haley
• Vee’s Debt Payoff Coloring Charts
• Become a Patreon

RECOGNITION:

• Audio engineer: Garrett Davis
• Research: Haley Brown-Woods + Vee Weir
• Podcast Artwork: Heather Divoky
• Podcast Support: Weir Digital Marketing

Listen, we’ve all fucked up with money at some point in our lives– and that’s what this episode is all about. 

Haley and Vee share their ultimate money mishaps: what they did wrong, what they’d do now, and where it has led them in life. 

So, if you’re feeling down about where you’re at in your personal finance journey, give this episode a listen. It’ll probably make you feel much better about your life choices.

In this episode, we chat about:

• Divorce, credit card debt, and dealing with shitty financial advisors
• Why a dance degree was not the best move (see what we did there) for Haley
• The importance of an abundance mindset when it comes to using debt strategically 
• How it all turned out in the end + more

SPONSOR(S):

• Capitalize: Make rollovers a breeze. From finding your old 401(k)s to helping you pick an IRA, we'll save you time, money and hassle.

MENTIONED IN THE EPISODE:

• Price Of Avocado Toast Podcast
• Episode 4: The American Dream: Why Money Milestones By A Certain Age Are Bullshit
• Naseema McElroy, Financially Intentional
• Mint Mobile

ABOUT NAPFP:

Not Another Personal Finance Podcast is a personal finance podcast like you’ve never heard before. Finance content creators, podcasters, and business owners, Vee Weir and Haley Brown-Woods, discuss money management, debt payoff, savings, investing, and overall personal finance topics in a no-bullshit way. 

They leave censorship up to other podcasts and wear direct messaging, dry humor, and foul-language as badges of honor. 

If you’re ready to start your trek to financial freedom and need some friends along the way, this podcast is for you.

FIND HALEY AND VEE ONLINE + SOCIAL MEDIA HERE:

• Haley’s Instagram
• Haley’s Twitter
• Haley’s Facebook
• Vee’s Instagram
• Vee’s Twitter
• Vee’s Website
• Vee’s Facebook
• Join the Price of Avocado Toast Newsletter
• Join the Vee Frugal Fox Newsletter

OTHER LINKS:

• 1:1 Coaching With Haley
• Vee’s Debt Payoff Coloring Charts
• Become a Patreon

RECOGNITION:

• Audio engineer: Garrett Davis
• Research: Haley Brown-Woods + Vee Weir
• Podcast Artwork: Heather Divoky
• Podcast Support: Weir Digital Marketing