Skip to main content
saysjoeygraziano

saysjoeygraziano

By Joey Graziano

This podcast is about building a better life through GRIT. Here, I talk about how I was able to get out of poverty and create a purpose-driven life, even though I had very little starting out. My posts are unedited, and meant to serve as a lessons learned on how to get ahead. Surely, I will slip up, and you may see opinions/tactics change overtime. Which is a common occurrence from a *thinking individual navigating a complex world.

More resources/citations can be located on my main site: saysjoeygraziano.com/

Listen on Spotify
Where to listen
Google Podcasts Logo

Google Podcasts

Pocket Casts Logo

Pocket Casts

RadioPublic Logo

RadioPublic

Spotify Logo

Spotify

#28 Book Review: Guns, Germs, and Steel by Jared Diamond
#28 Book Review: Guns, Germs, and Steel by Jared Diamond
Written post with link: https://saysjoeygraziano.com/2021/12/31/book-review-guns-germs-and-steel-by-jared-diamond/
10:44
January 03, 2022
#27 Save time and money with batch processes
#27 Save time and money with batch processes
More resources: https://saysjoeygraziano.com/
04:17
December 22, 2021
#26 What do you feed yourself?
#26 What do you feed yourself?
Subscribe on any of those podcast platforms to stay updated!
07:21
October 01, 2021
#25 The envelope hack that saved me hundreds
#25 The envelope hack that saved me hundreds
Original post pasted below:  https://saysjoeygraziano.com/2018/03/23/the-envelope-hack-that-saved-me-hundreds/
05:37
August 18, 2021
#24 Manual labor an wealth generation are friends
#24 Manual labor an wealth generation are friends
Original post pasted below. https://saysjoeygraziano.com/2018/02/20/manual-labor-and-wealth-generation-are-buddies/
04:48
August 13, 2021
#23 Goal setting leveraging hedonic adaptation
#23 Goal setting leveraging hedonic adaptation
Original post posted below. https://saysjoeygraziano.com/2018/02/01/386-2/
08:43
August 09, 2021
#22 Retire early with the 4% rule
#22 Retire early with the 4% rule
Original post pasted below. https://saysjoeygraziano.com/2017/12/12/retire-early-with-the-4-rule/
12:26
August 09, 2021
#21 A lesson on contentment
#21 A lesson on contentment
Original post pasted below https://saysjoeygraziano.com/2017/11/23/a-lesson-on-contentment/
04:43
August 04, 2021
#20 Invest in repossessed homes and become rich!
#20 Invest in repossessed homes and become rich!
Original post pasted below: https://saysjoeygraziano.com/2017/11/11/house-update-the-home-is-complete-how-much-money-did-i-spend/
08:24
August 03, 2021
#19 Active income versus passive income
#19 Active income versus passive income
Original post pasted below: https://saysjoeygraziano.com/2017/10/26/active-income-vs-passive-income-they-are-not-the-same-2/
11:40
August 03, 2021
#18 Should I invest in gold?
#18 Should I invest in gold?
Original post pasted below.  https://saysjoeygraziano.com/2017/10/03/should-i-invest-in-gold/
05:35
July 29, 2021
#17 Kill your mortgage tax deduction and become rich!
#17 Kill your mortgage tax deduction and become rich!
Keep the mortgage for the tax deduction or pay it off?  Let’s assume that you make $60,000 a year and you have a $10,000 tax write-off from your mortgage interest home loan, that means you pay taxes on $50,000. If you don’t have a mortgage, you would have to pay taxes on your full income of $60,000. Since you’re in a 25% tax bracket. Twenty-five percent of $10,000 is $2,500. Your tax bill just went up by $2,500 because you don’t have a mortgage. However, you are no longer  wasting $10,000 on mortgage interest! Your tax bill went up by $2,500, but you saved $10,000. Which means you have a net savings of $7,500. That is, a savings of $7,500 every year. Shown on the chart pasted below, you can easily convert this savings of $7,500 into almost a million dollars by investing it in an index fund. Again, details in the original post.  Link to original post: https://saysjoeygraziano.com/2017/08/31/kill-your-mortgage-tax-deduction-and-become-rich/
05:29
July 29, 2021
#16 The death of college and intro to frugal U
#16 The death of college and intro to frugal U
Original post here.
10:16
July 27, 2021
#15 How ditching the car saves me hundreds of hours
#15 How ditching the car saves me hundreds of hours
Original post here.
05:08
July 27, 2021
#14 Social Media Warning: Depression is expensive
#14 Social Media Warning: Depression is expensive
Original post here.
06:05
July 26, 2021
#13 Can I save money being a one car family?
#13 Can I save money being a one car family?
Original post here
10:39
July 22, 2021
#11 My frugal phone bill (less than $20 per month)
#11 My frugal phone bill (less than $20 per month)
Original post and links to resources can be found here.  Also, here is a link to the cell phone service provider I use (affiliate link).
09:02
June 28, 2021
#10 The myth of the forever home
#10 The myth of the forever home
Original post: The Myth of the Forever Home
02:04
May 26, 2021
#7 The Feds Raised the interest rates?!?!
#7 The Feds Raised the interest rates?!?!
Original post here
05:56
April 24, 2021
#6 Lessons from the handicapped
#6 Lessons from the handicapped
Original post here 
01:24
April 24, 2021
#5 Careful, cultural norms can make you poor
#5 Careful, cultural norms can make you poor
Original post here
03:51
April 21, 2021
#4 Yawn, Brexit did nothing
#4 Yawn, Brexit did nothing
Original post here
03:25
April 21, 2021
#3 Acting ignorant can teach you a lot!
#3 Acting ignorant can teach you a lot!
Original post with references here
05:13
April 16, 2021
#2 Why work hard when we can work smart
#2 Why work hard when we can work smart
Original post here
03:44
April 16, 2021
#1 Why do things the hard way?
#1 Why do things the hard way?
Hello world this is my very first "podcast". While I learn how to do this, I really appreciate your patience and honesty along the way. For more resources, visit my main website at: https://saysjoeygraziano.com/
05:03
March 27, 2021