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What the Finance

What the Finance

By What the Finance
Rachel and Cheyenne are a couple of personal finance nerds that decided after years of excitedly talking to each other about all things money, and many things not money, that they wanted to share what they have learned with others. Join them twice a month as they share information about personal finance from their perspectives!
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Episode Twenty Four: Employment History
In this episode of What the Finance Cheyenne and Rachel discuss their employment history. To keep up with us check us out on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com.
24:25
July 22, 2021
Episode Twenty Three: Weddings
Rachel: So, on this episode of the finance, because it's summertime. And a lot of people are getting married. We thought doing an episode on wedding spending could be really helpful. So I will admit that despite being a married person. My experience with weddings is actually somewhat limited. As far as being in them. I have been in three, two of them were Cheyenne’s and one of them was my sister’s, my own was extremely affordable. I think I spent about $1000 on the whole shebang. So, you want tips for a frugal wedding come to me and I’ll help you out.  Cheyenne: I'm trying to think, I don't know that I been in anybody's as an adult, I I can remember. Oh, that's not true. I've been in two weddings, my best friends and my parents. Rachel: Yes, you were. Cheyenne: Yeah. I kept thinking about it and I knew I had, but yeah. . . And then as Rachel mentioned I've been, I've been married twice. So, I have planned two weddings, and one was on a very tight budget, in which I made a lot of the decorations myself, and it was all in all I think we spent maybe two or three thousand on it. Somewhere in there. And then my second most recent marriage. We spent. . . I want to say like six or so. You would think that that's a number that I would remember especially as a finance for it and I was kind of a finance nerd then too but I. It's been a while, so I just don't remember anymore. But again, I think we did things kind of affordably. That one was definitely more of a splurge wedding we knew we had a certain vision in mind and we did what we wanted to do. We were very mindful of spending and we didn't spend a lot and other areas that we could spend more than thumb. And I am pretty biased but I think it's one of the best ones that I've ever been to. Rachel: Yeah, I'm going to give that one a solid second. So, as I was getting ready for this episode. The national average for a wedding in the United States is $33,900. So, way to go. [laughter]Oh man. . . Sorry for our audience. We play have to do a video because Cheyenne’s face is just fantastic. Cheyenne: That made my everything hurt. Rachel: Right! Cheyenne: That was icky. I mean, like, I guess I don't. My only concern is that people are going into debt to pay that amount for a wedding. Rachel: Right. Well, the fact is they are. And how it breaks down the highest amount of money is typically spend on photographers. Yep, followed by food, the clothes, the rings, and the venue. Cheyenne: I would have thought that venue would be up higher on that list. Rachel: Honestly, wedding photographers make bank. Cheyenne: I know some photographers and the equipment is super expensive, and the time that it takes them to edit so like, They may, quote unquote, only be spending 10 or so hours on that particular day with you, but you're also paying for, you know, the equipment, travel time. And then all the time that they're going to spend editing those photos so like, it is right I get it when you break down that hourly rate, they're probably not making that much. Rachel: it's fair that is fair. Cheyenne: It's still expensive but I mean that the sticker value of that is shocking. But, I get it. Food is one that I struggle a little bit with. We were struggling to find a food option that we both enjoyed, and we just wanted like a taco bar, and they In this episode of What the Finance Cheyenne and Rachel discuss wedding spending.  To keep up with us check us out on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com.
11:39
July 8, 2021
Episode Twenty Two: Credit Scores are Shit
In this episode of What the Finance Cheyenne and Rachel discuss their opinions on credit scores. Please note that strong language is used in this episode. To keep up with us check us out on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com. A full transcription of this episode is available on request.
17:10
July 2, 2021
Episode Twenty one: Setting Boundaries
In this episode of What the Finance Cheyenne and Rachel revisit gift-giving and setting boundaries. Please note that strong language is used in this episode.   To keep up with us check us out on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com.
23:06
June 10, 2021
Episode Twenty: Investment Apps
In this installment on What the Finance, Cheyenne and Rachel have an impromptu discussion on investing apps and the challenges these apps pose.  To keep up with us check us out on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com.
11:29
May 27, 2021
Episode Nineteen: Sex Work
In this episode of What the Finance, Cheyenne and Rachel define sex work, discuss the finances surrounding it, and lay out some reasons sex work should be legal.  Also, a big thank you to our first Patreon supporter Kate! You can find her work on Etsy. To support us on Patreon click here. To keep up with us check us out on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com.
19:48
May 13, 2021
Episode Eighteen: Bees
Did you know that bees play a key role in the health of our planet and our economy!? In this episode of What the Finance, Cheyenne and Rachel talk about the importance of bees and how we can all do our part to make our planet a little more bee-friendly. To learn more about saving the planet, check out Hannahs Honeycomb on TikTok. To keep up with us check us out on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com.
17:14
April 29, 2021
Episode Seventeen: High School Financial Literacy
In this installment of What the Finance, Cheyenne and Rachel dive into what young adults should know about finance before embarking into the world of adulthood.  You can also follow What the Finance on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com.
25:29
April 15, 2021
Episode Sixteen: Choose Your Own Economy
Join Cheyenne and Rachel as they embark on a fun-filled, sci-fi-themed, policy action-oriented episode to create their ideal economy!  You can also follow What the Finance on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com.
27:47
April 1, 2021
Episode Fifteen: Labor Unions
We are so thrilled to be joined by Allyse Freeman in this episode to talk about the labor movement in the United States, how unionizing has the potential to improve your personal bottom line, and so much more. Learn more about The Haymarket Affair here. If you want to join a union as an individual, you can learn more about the Industrial Workers of the World here. You can also follow What the Finance on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com.
35:42
March 18, 2021
Episode Fourteen: Six Month Reflection with Guests, Bridget and Nathan
To celebrate and reflect on six months of What the Finance, Cheyenne and Rachel welcome their spouses, Bridget and Nathan! We talk about what we've learned and what we'd like do moving forward.  Podcasts mentioned in this episode: The Intelligence  Books mentioned in this episode: Trekonomics and  You can also follow What the Finance on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com.
35:39
March 4, 2021
Episode Thirteen: So, you think you want a pet?
More than half of all Americans have pets, so it's hardly surprising that many of us dive into pet ownership without giving it a second thought. In this episode of What the Finance, Cheyenne and Rachel talk about the financial cost to having a pet and whether you should get one or not. If there's a topic you'd like for us to cover, send us an email at what_the_finance@protonmail.com
26:34
February 18, 2021
Episode Twelve: Starting an Esty shop with guest, DiceKat
Cheyenne and Rachel are thrilled to have our first guest, DiceKat, to talk about starting an Esty shop and how to make sure monetizing your hobby doesn't ruin the enjoyment of the hobby. You can find DiceKat on Esty, Instagram, and Facebook.  You can also follow What the Finance on Facebook, Twitter, Instagram, and Pinterest. You can also email us at What_the_Finance@protonmail.com.
17:35
February 4, 2021
Episode Eleven: Financial Goals for the New Year
Join Cheyenne and Rachel as we talk about how to set successful financial goals, no matter what time of year it is.
12:57
January 21, 2021
Episode Ten: Going to College
Going to college can be intimidating - both because of the work and expense involved! Cheyenne and Rachel break down how you can pay for college and if it's even worth it to pursue a degree. For all the resources we mention, visit our Pinterest Board. If there's a topic you'd like for us to cover, send us an email at what_the_finance@protonmail.com
26:53
January 7, 2021
Episode Nine: Debt Management
In this episode, Cheyenne and Rachel sit down to talk about the different ways you can pay off your debt and how to engage in positive self-talk around your money.  For resources to help you get started, visit our Pinterest board on debt payoff or send us an email at What_the_Finance@protonmail.com.
23:04
December 24, 2020
Episode Eight: Vacations
Join us this week as Cheyenne and Rachel share some of their hard-won travel tips for traveling on a budget! 
34:28
December 10, 2020
Episode Seven: Self Care on a Budget
Join Cheyenne and Rachel in talking about self-care and how to take care of yourself, even when funds are low.  Email us at what_the_finance@protonmail.com  Visit our Pinterest Board
24:16
November 26, 2020
Episode Six: Preparing to Die
It is never easy to talk about passing, especially when it gets down to the nuts and bolts of wrapping up your affairs. Cheyenne and Rachel discuss everything from wills and life insurance to funeral arrangements. For resources discussed in the podcast visit us on https://www.pinterest.com/what_the_finance.
25:06
November 12, 2020
Vote 2020
In this episode, we took a break from our usual finance talk to remind and encourage everyone to vote. 
04:33
October 29, 2020
Episode Five: Holiday Spending
In this episode, Rachel and Cheyenne discuss holiday spending, setting boundaries, and their thoughts on what makes a great gift. Some warning, they talk about death as it relates to gift-giving. 
13:03
October 23, 2020
Episode Four: The Spending Ceiling Budget
In this episode, we talk about the spending ceiling budget method. You may notice this episode is pretty short, give it a listen to find out why!  We have no services or products to link from this episode. 
04:43
October 15, 2020
Episode Three: Zero Based Budget
In this episode, we discuss zero-based budgets and tools we use to manage our own finances.  Tools and services mentioned in this episode are Mint Mobile,  EveryDollar, Undebt.it, and the Honeydue App. 
16:39
October 8, 2020
Episode Two: The Envelope Method
In this episode, we discuss the envelope method of budgeting. 
20:01
September 24, 2020
Episode One: 50/30/20 Budget Method
In this episode, Rachel and Cheyenne, mostly Rachel, talk about the 50/30/20 budget method.  Services and products mentioned in this episode are: Imperfect foods (https://www.imperfectfoods.com).  Be sure to subscribe so you never miss an episode and follow us on Twitter, Facebook, and Instagram. We would love to hear from you so leave us a comment or send a message or an email. Thank you for listening! 
26:50
September 17, 2020
Episode Zero
Welcome to the What the Finance podcast. In this episode, Rachel and Cheyenne discuss what led them to beginning this new adventure and introduce themselves. Links to tools used: https://undebt.it/ https://www.everydollar.com/ https://www.youneedabudget.com/
25:40
September 3, 2020