Coffee and Coin Podcast

Have you ever been told "No" when negotiating your salary? 

In this episode, Joy M shares her creative negotiation tactics, how she went from being a "saver" to being an "investor", and her biggest takeaways from joining the Wealth Circle. Plus, you'll get to hear the fun story about her incredible dog that walks itself!

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RESOURCES

Join the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figu...

Are you facing unemployment and racking up debts because of it? Do you feel like you're not moving fast enough towards your financial goals?

In this episode, Shelly G. opens up about her turbulent 10-month-long unemployment journey and how she came out the other side. Although she accumulated almost $40,000 worth of debt, she has already made headway in paying it off, landed her dream job, and has creatively reduced her expenses. 

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Want to get your kids more interested in investing but don't know where to start?

In today's episode, Allegra is joined by Erika S., who has been talking to her kids about money since they were in the crib. Fast-forward 16 years, and her oldest has just opened a HYSA and is well on her way to a million-dollar net worth! Erika S. lays out her strategies for getting kids curious about wealth building from an early age and all the incredible takeaways she's gained from the Factora Community. 

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Are you planning a wedding and looking for cost-saving strategies? Unsure of how to talk to your partner about finances?

In this episode, Chris P. shares her personal take on wedding planning with her partner, focusing on how they’re designing a celebration that not only honors their values, but also respects their financial goals. Chris also opens up about her fertility journey, highlighting the hidden costs and hurdles while preparing for a baby. 

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RESOURCES

Join the Wealth Circle: fac...

Have you been curious about the Wealth Circle but have yet to pull the trigger? Now's your chance! 

In this episode, Allegra unveils exciting changes to the Wealth Circle, including a new self-paced course format. This format offers you more flexibility to learn at your own pace, ensuring you get the most out of your wealth-building journey. 

RESOURCES

Join the Wealth Circle: factorawealth.com/wealth-circle

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our websi...

Want to pay off your mortgage in 10 years instead of 30?

In this episode, Sarah B.L. shares the nitty-gritty details of how she paid off 25% of her mortgage in just two years—and how she's on track to pay off her 30-year mortgage in just 10 years. She explains why this decision was the right choice for her family, the difference between good debt and bad debt, and how talking about money made her a more confident investor.

LISTEN TO LEARN

04:00 - Financing Her First Home

Did you know that you have until April 15th, 2024, to contribute to your 2023 IRA? 

If you haven't maxed yours out yet, this episode will share everything you need to know about making the most out of your IRA. 

Allegra and Whitney explain everything you need to know about the difference between Roth and Traditional IRAs, the restrictions on contributing to and withdrawing from IRAs, and why IRAs are great investments.

LISTEN TO LEARN

Feeling lost in the maze of financial tools and platforms? Curious about how others structure their finances for success?"

In this episode, Tay and Allegra reveal the ins and outs of their finance game, sharing the ins and outs of their account setups and the nifty tools that keep them sharp. From daily checks to annual overhauls, you'll discover how they effortlessly stay on top of their finances.

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04:07 - Taylor’s Account Breakdown

07:47 - Lifestyle Analysis

14:05 - Taylor’s Financial Maintenance

21:1...

Are you hesitant about mixing business with friendship? Waiting to find your forever partner before purchasing a home?

In this episode, serial real estate investor Stef shares her journey of blending business with pleasure and harnessing the power of partnership to grow her real estate portfolio to an impressive 19 properties! Whether considering investments with friends, family, or both, this episode provides the insights and guidance necessary to confidently and clearly navigate the complexities involved.

LISTEN TO LEARN

03:32 - Stef's Real Estate Portfolio Breakdown

08:00 - "Houses before Spouses"

Curious about what it takes to start your own side hustle or invest in startups? Are you ready to unlock the secret to building a seven-figure net worth?

In this episode, we're sharing a recording from our January Community Event, where three Wealth Circle graduates joined Allegra to share their transformative journeys and strategies, including a remarkable transition from a $62K salary to an impressive $200K a year and another inspiring tale of a net worth leap from $60K to a staggering $682K.

LISTEN TO LEARN

04:45 - Success Stories of...

Is it ever too late to start investing? Can understanding your 401k really make a difference in your financial future?

In this episode of Coffee and Coin, our Founder & CEO Allegra breaks down how she built a million-dollar net worth in less than 5 years while making $75K/year.  (And guess what? Factora's 2024 Wealth Circle is your ticket to do the same.) 

LISTEN TO LEARN

09:00 - Allegra's Story

19:00 - What Is Financial Freedom?

24:30 - Factora's Financial Framework

28:00 - Success Stories

36:00 - Wealth Circ...

Ever felt overwhelmed by the idea of stock market investing?

In this episode of Coffee & Coin, Allegra and Whitney dive deep into the world of stock market investing. They explore why waiting to invest can be a costly mistake, break down the mechanics of market cycles, and discuss how dollar-cost averaging can transform your investment strategy. Learn about managing risk, ignoring the sensational news, and the power of starting now!

LISTEN TO LEARN

05:55 - Why You Should Invest in Stocks

07:17 - How the Stock Market Works

Ever wondered how to grow your net worth while juggling multiple roles? 

Join us in this inspiring episode of Coffee & Coin where Liz B shares her incredible journey as a small business owner and creator. She went from balancing three part-time jobs to doubling her business revenue in just one year. Liz’s story is a testament to the power of financial education and mindset. Get ready for insights on overcoming financial shame, embracing entrepreneurship, and the importance of community in wealth-building.

LISTEN TO LEARN

08:30 - Overcoming Financial Shame

Are you working to increase your net worth in 2024? 

Tune in to this eye-opening episode, where we delve into Cris V's inspiring journey from having a negative net worth to building substantial wealth. Cris shares her candid experiences in navigating the tech world, making calculated risks in real estate, and the life-changing impact of the student loan pause. Plus, the importance of aligning career choices with your personal values, not just the paycheck.

This episode is packed with actionable insights on wealth-building, overcoming financial challenges, and the power of community in fin...

In this episode, we're tackling crucial topics like the gender pay gap, the realities of salary negotiation, and the impact of maternity leave on women's earnings. Plus, we're diving into the 2024 tax bracket changes and how they affect your wealth-building journey. 

Whether you're navigating salary negotiations or optimizing your tax strategy, this episode is packed with valuable insights to help you increase your net worth.

LISTEN TO LEARN

02:30 Debunking the Gender Pay Gap Myth

15:45 The Impact of Maternity Leave on Women's Earnings

27:10 Exploring Salary Transparency Law...

Welcome to another episode of Coffee & Coin, where we're on a mission to lead 1 million women to $1 million in net worth!

Join Allegra and Whitney as they explore the intricacies of HSAs and share valuable insights on leveraging these accounts for significant tax savings and investment opportunities.

Whether you're a seasoned investor or just starting out, this episode is packed with practical advice to help you make informed decisions about your financial well-being.

LISTEN TO LEARN

10:00 The Triple Tax Benefits of HSAs

15:00 HSA vs. FSA: Breakdown of d...

Ever wondered how joining a wealth circle could transform your financial journey? Curious about the real-life impact of intentional investing?

On this episode of Net Worth Diaries, Sarah P. takes us on a captivating journey from low-paying non-profit jobs to doubling her salary and investing rate. As a facilitator in the Wealth Circle, she delves into her fulfilling career and the importance of making financial moves aligned with your interests.

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Tune...

Are you dreaming of early retirement and financial freedom? Wondering how to calculate the magic number that can make your dreams a reality?

In this episode, Whitney and Allegra demystify the 4% rule, explore various asset classes for generating passive income in retirement, and craft a clear roadmap for you to seize control of your financial future.

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Join the Wealth Circle Waitlist: https://www.factorawealth.com/wealth-circle

Are you looking for a new job or thinking about switching careers? Do you want to earn more at your current company? 

In today's episode, Allegra is joined by two recruiting and salary negotiation experts who are passionate about helping women level up their careers, secure leadership roles, and earn more at work. 

Listen to learn how to:

Want to be the first to kn...

Are you wondering when's the right moment to dive into saving and investing? Ever thought about how you can just sit back and watch your money grow effortlessly in a brokerage account?

In today's episode, the Factora team is diving deep into the realm of financial self-care, exploring how daily habits and practices play a crucial role in shaping your financial future. Liz, Taylor, and Allegra cover everything from savings buckets, value-based spending, and the divide-and-conquer approach to financial planning.

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Have you found yourself calculating the cost per wear to justify the price of expensive clothes?Curious how Airbnbs are affecting the housing market?

Allegra, Whit, Pam, and Steph are back for the September round-up. They’re sharing their thoughts on the impact of Airbnb bans and the pros and cons of using “Girl Math” when making purchases.

What you’ll learn:

Looking for a way to contribute more to your retirement savings beyond your 401(k)?

Are you unsure if a Roth IRA or Traditional IRA is better?

In this episode, Allegra and Whitney are doing a deep dive into IRAs. They’re breaking down everything you need to know about the difference between Roth and Traditional IRAs, restrictions for contributing to and withdrawing from IRAs, and why IRAs are great to have in your portfolio.

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Did you get a degree you don’t want to pursue a career in anymore?

Are you curious how to build your wealth with multiple income streams?

In this episode, Allegra is joined by Factora’s Head of Marketing and Wealth Circle alum, Taylor R. They’re diving into how she grew her net worth by over $300K in just under 4 years, a breakdown of her income streams, and the numbers behind it all. 

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What are your net worth goals and how are you working towards them?

Are you surrounding yourself with a community that inspires you to reach your financial goals?

Allegra is chatting with Wealth Circle alum, Kelly B. about the huge changes she has experienced since joining the Wealth Circle in February 2020. She’s sharing all the details about what her numbers were before the Wealth Circle and what they are now, how she spends in alignment with her values, and how she plans to reach her net worth goals.

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Are you holding off on buying a home because of the current mortgage rates? 

Have you ever felt influenced by targeted ads while scrolling on Instagram?

Allegra, Steph, Pam, and Whitney are sharing some insight on the current mortgage rates and real estate market and how values based spending helps prevent excessive consumerism.

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Do you have someone who pushes you to expand different areas of your life?

Why is having an accountability partner key to growing your wealth?

In this episode, Allegra and her investie, Steph, are checking in for another accountability meet-up. They’re diving into their recent real estate moves, the importance of having multiple streams of income, and how Steph used a HELOC to buy her dream home.

What you’ll learn:

Tired of living paycheck to paycheck even with a great salary?

Curious about the investment strategies that can help you build long-term wealth?

The Fall Wealth Circle is officially open for enrollment—and we’re already 54% full! If you’re ready to join an amazing community of women who want to make big financial changes, then we can’t wait to meet you! Still wondering if the Wealth Circle is right for you? Join Allegra as she spills all the details on the most common questions we get about The Wealth Circle.

You’ll learn: ...

Are you taking full advantage of the tax breaks offered by your 401(k)?

Do you have 401(k)s from previous jobs that you don’t know what to do with?

In this episode, Allegra and Whitney deep dive 401(k)s and lay out what you need to know to maximize your retirement savings by breaking down tax advantages, vesting schedules, and withdrawal restrictions.

You’ll learn:

Have you ever felt hesitant about sharing your plans to start a family with your employer? Are you getting the most out of your company’s 401K?

Allegra, Whit, Pam, and Steph are digging into the challenges of having a child in America, how new laws are helping pregnant women in the workplace, and how to decrease the gender gap in 401K balances in this month’s round-up.

You’ll learn:

Have you experienced the freedom of entrepreneurship, only to find yourself back in the corporate world? Does working to fulfill someone else's dream leave you motivated to pursue your own dream again?

Allegra is chatting with Anny about her journey from corporate tech sales to thriving food truck park owner. She’s spilling all the details of the challenges, set-backs, and risks it took to bring her vision to life. 

You’ll learn:

Are you maximizing the benefits of working with a financial advisor? Is the financial advisor recommended by your parents not serving you? Is working with a financial advisor necessary to achieve your financial goals?

Allegra & Whit discuss the pros and cons of working with a financial advisor, Whit’s take on working with her financial advisor, and why every #wealthywoman should know how to invest.

You’ll learn:

Do you wish you could travel more while still prioritizing money towards your financial goals? Want to make the most out of your PTO without breaking the bank?

During our June Community Event, we teamed up with Lindsay of @onegirlwandering to teach you how to maximize your experiences when traveling by creating a budget that works for you and making the most out of credit card and loyalty points. 

You’ll learn: 

Do you have cash just sitting in a traditional savings account? Do you have a sneaky feeling that there might be a better option? 

Are you ready to grow your investing strategy, but aren’t sure which account type makes sense for you?

In this clip from our webinar, “Where to Invest First,” Whitney breaks down the types of accounts every #WealthyWoman needs and how to create a financial system that puts your money to work. 

In this episode, you’ll learn:

Have you been told that your generation doesn’t work as hard as the previous generations? 

Are you questioning if starting a family or buying a house is right for you?

Allegra, Steph, Whit, and Pam are back with another round-up and are sharing their thoughts on outdated norms and the emotional side of long term investing.

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What hard financial lessons have you learned that you wish you would have figured out sooner? 

In this listener favorite episode, Allegra offers eight pieces of wisdom for how to live a happier, healthier, more financially empowered life. She also touches on the hard lessons she learned in her twenties, and how Factora fits into her vision of a purpose-driven life.

A sneak peek at Allegra’s learnings:

Have you ever thought about leaving your 9-5 and starting your own business, but aren’t sure what it would actually look like financially? 

In this episode, Allegra chats with digital content creator and YouTuber, Jules Acree about her intentional pursuit of wealth building and how she went from a corporate job to a multi-six-figure business owner with 7 (yes 7!) income streams. 

What you’ll hear:

Want to travel the world? Retire when you’re 40? Design and build your dream home? Start your own business? Investing can help get you there. But where do you start and what should you be investing in? 

The truth is, there’s no one-size-fits-all approach to investing, but the more you talk about building wealth, the more creative you’ll be able to get. And the more results you’ll actually see. 

During this episode you'll hear from 3 women who invest in the stock market, real estate, and business, have clear financial goals, and understand how to mak...

What steps should you take to prepare for a potential layoff? What are the possible financial and social benefits of co-living with other single parents? We’re digging into both in this month’s round-up.

What you’ll learn:

Did you know the average cost of raising a child in the U.S. is $230,000? In this episode, Allegra chats with two Factora women about how they prepared financially to have kids, how their finances have changed since having kids, and how each of them is approaching working with children and childcare. 

What you’ll learn:

Check out the full show notes here: factorawealth.com/coffe...

So you’re investing in index funds, but do you know how to select them based on your risk tolerance? In this episode, Allegra and Whitney dive into what index funds are, why they’re beneficial to your portfolio, and how to choose your index funds.  

What you’ll learn:

What index funds are and their benefits

The steps to take before buying an index fund

How to determine your current risk tolerance (and how it changes over time)

How to select index funds based on your risk tolerance