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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 as they share information about personal finance from their perspectives!
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The Exciting Conclusion
Welcome to the 34th, and final, episode of Season Two of What the Finance! Cheyenne and Rachel share some hot takes (okay, it's really just one hot take).  For full audio transcription, click here. Music provided by Caleb Kelson Editing provided by Rachel Hanson 
16:24
April 30, 2022
Irregular Budgeting
This episode of What the Finance is really getting back to the roots of the show! Cheyenne and Rachel are joined by Andres Coca, a Netherlands-based audio professional, to discuss budgeting when you don't get paid regularly. In addition to discussing budget tips and tricks, we also talk about saving for taxes and the types of tax contractors have to pay. You can learn more about Andres here. For full audio transcription, click here. Music provided by Caleb Kelson Editing provided by Rachel Hanson 
17:44
April 21, 2022
Pay Transparency
Have you ever wondered who benefits when an organization doesn't post salary information on their jobs? We'll let you in in a little secret, it's not you!  Join Cheyenne and Rachel as we discuss the importance of pay transparency. For full audio transcription, click here. Music provided by Caleb Kelson Editing provided by Rachel Hanson
14:45
April 14, 2022
It's a secret: Entrepreneurship and Tattooing
There's nothing the What the Finance team loves more than to blow the lid off of a well-kept secret! In this episode, we're joined by Kalia Hotchkiss to talk about pricing in the tattoo industry. Kalia has been tattooing for ten years and has an incredible perspective on the industry. For full audio transcription, click here. Music provided by Caleb Kelson Editing provided by Rachel Hanson
21:20
April 07, 2022
Toxic Positivity
A pretty large area of concern for Cheyenne and Rachel is the persistent notion that anyone who "works hard enough" will be on financially firm footing. In this episode, we take on that notion and discuss why it's so problematic. The full episode transcription can be found here. Music provided by Caleb Kelson Editing provided by Rachel Hanson
19:27
March 31, 2022
Living Abroad
   Have you ever wondered what is involved in moving outside of the United States? We sure have and we are thrilled to welcome Steph Fuccio to the show to talk about her experience in moving between the United States and the wider world. Steph is the head of Podcast Editing Plus, a global community of audio professionals and podcast editing business. Full transcription for the episode can be found here Music provided by Caleb Kelson Editing provided by Rachel Hanson
35:57
March 24, 2022
Will Tiny Living Save You Money?
Have you ever felt the call of the open road or acknowledged the appeal of living in a smaller home? If you have, this episode is for you! Join Cheyenne and Rachel as they discuss tiny living, off and on the road.  Full audio transcription can be found here Music provided by Caleb Kelson Editing provided by Rachel Hanson
19:31
March 17, 2022
Clothing Subscription Boxes: Yes or No?
Have you ever thought about signing up for a clothing subscription box? Join Rachel and Cheyenne to discuss the pros and cons.  Full audio transcription can be found here Music provided by Caleb Kelson Editing provided by Rachel Hanson
17:36
March 10, 2022
Compensation Negotiation
If there's one thing we all need a crash course in, it's salary negotiation! In this episode of What the Finance, Cheyenne and Rachel discuss highlights of compensation negotiation and what you can ask for in a new or existing job. A full audio transcription can be found here Music provided by Caleb Kelson Editing provided by Rachel Hanson
22:05
March 03, 2022
Creating a Matriarchal Society
If you've ever wondered how to make social change toward a matriarchal society, this is the episode for you! Join Cheyenne and Rachel as they talk about what characterizes matriarchal societies and how you can make micro changes that can translate into an overall improvement in your community. Music provided by Caleb Kelson Editing provided by Rachel Hanson ● https://abortion.cafe/ - this is a collection of abortion resources  ● shoutyourabortion.com - this is a campaign to normalize abortion  ● https://donations4abortion.com/ - donate to support abortion funds by state  ● https://secure.actblue.com/donate/supportabortionfunds - donate to the national network of abortion funds (donations split between 80+ abortion funds)  ● https://usow.org/repro/volunteer/ - this is a list of abortion clinics across the country that need volunteers  ● https://dontbanequality.com/ - this is language for companies to use to stand against the ruling  ● plancpills.org/ambassadors - here are early abortion access pills you can store in your cabinet  ● https://prochoice.org/ - this is an abortion access hotline  ● https://natalist.com/products/early-pregnancy-test-strips - buy early pregnancy test strips  ● https://www.plannedparenthood.org/learn/birth-control - get info on types of birth control  ● https://choice.crd.co/ - this is a collection of these above links and more. Managed by @starplanes - DM them on twitter to add more  ● https://www.guttmacher.org/state-policy/explore/abortion-policy-absence-roe - abortion policy by state as of June 1, 2022 ○ More in-depth version: https://www.guttmacher.org/state-policy
22:60
February 24, 2022
Schitt's Creek
Remember a few weeks ago when Rachel mentioned she thought Schitt's Creek was a company town? Well, now you get to hear Cheyenne and Rachel talk all about it!  Music provided by Caleb Kelson Editing provided by Rachel Hanson
26:14
February 17, 2022
Mixed about MLMs
Multi-Level Marketing schemes, or MLMs, are pervasive in our culture and they prey on women who are often left to fend for themselves in a culture that doesn't value us. In this episode, Cheyenne, Rachel, Kat, and Denise talk about the role MLMs have played in our lives and changes that could be made that would help us move away from them.  Music provided by Caleb Kelson Editing provided by Rachel Hanson
50:51
February 10, 2022
5 bucks!?
We know you're all dying to know - what does your favorite What the Finance team (with special guest, Nathan) think of the best TV show out there? Join Cheyenne, Nathan, and Rachel to discuss ABC's Bluey (available on Disney+).  Special shoutout to Gotta Be Done: The Bluey Podcast. Music provided by Caleb Kelson Editing provided by Rachel Hanson
29:08
January 27, 2022
The Cost of Procreation
What are some things that have surprised you about having children? Join Cheyenne and Rachel (but let's be honest, mostly Rachel this week) talking about the cost, financial and mental, of growing your family. Music provided by Caleb Kelson. Editing provided by Rachel Hanson
28:43
January 20, 2022
Company Towns and Why They're the Worst
Even if you've never heard the phrase "company town", we're willing to bet you have some story about a town that went down the tubes after the main employer left. On this episode of What the Finance, Cheyenne and Rachel talk about what a company town is and why they're a terrible idea. For more information on one specific company town, check out this video about Fordlandia. Music provided by Caleb Kelson. Editing provided by Rachel Hanson
30:15
January 13, 2022
I'll Be There For You?
Have you ever felt like the crew from 90's era sitcom, Friends, aren't really there for you? Join Cheyenne, Rachel, and special guest Justin Grays for a multi-faceted conversation using Friends to discuss money, racism, and feminism. Music provided by Caleb Kelson. Editing provided by Rachel Hanson
36:12
January 06, 2022
How to Win Friends and Avoid Bank Fees
What did the football coach say when he went to the bank? “I want my quarterback!” Seriously though, Cheyenne and Rachel both think that banking fees are (mostly) the worst and we want to help you avoid them. Join us this week as we discuss common types of bank fees and how you can avoid them! Music provided by Caleb Kelson. Editing provided by Rachel Hanson
22:40
December 23, 2021
Call me Kat: A Review
If you don't already know, Cheyenne and Rachel LOVE TV and talking about pop culture. In this episode, we talk about Fox show "Call me Kat". Music provided by Caleb Kelson. Editing provided by Rachel Hanson
10:52
December 16, 2021
If You Had a Million Dollars
Sometimes the best episodes come out of a song stuck in your head. Rachel and Cheyenne want to know, what would you do if you won a bucket-load of money? Music provided by Caleb Kelson. Editing provided by Rachel Hanson
31:01
December 09, 2021
Gilmore Girls
One of Cheyenne and Rachel's favorite TV shows is the comedy-drama series Gilmore Girls starring Lauren Graham and Alexis Bledel. Join them as they discuss the financials of the show! Music provided by Caleb Kelson. Editing provided by Rachel Hanson
32:52
December 02, 2021
Black Friday Shopping
Is shopping on Black Friday a ritual for you and your family? Or do you shop on Black Friday because you think you'll get the best deal? This week on WtF, Cheyenne and Rachel discuss their opinions on Black Friday. 
15:09
November 18, 2021
Self-Help is the Patriarchy
Do you ever feel like the entire self-help industry is a giant rip-off? SO DO WE! Cheyenne and Rachel dissect some of their biggest struggles with this $12 billion industry. Music provided by Caleb Kelson. Editing provided by Rachel Hanson
19:43
November 11, 2021
Pay Inequality in Women's Sports
You already knew that Cheyenne and Rachel do not like the NFL, but did you know there are other sports they do like!? Join them on this episode of What the Finance as they talk about pay inequality in women's sports and learn what you can do to help close the gap. Music provided by Caleb Kelson. Editing provided by Rachel Hanson City Girl Coffee
25:11
November 04, 2021
Up
Do you want a "screw capitalism" take on Pixars' Up? Of course, you do! Join Rachel and Cheyenne as we talk about feminism and finances in Up. Music provided by Caleb Kelson. Editing provided by Rachel Hanson
20:09
October 28, 2021
Philanthropic Giving with Emily Seddon
Have you ever wondered what you should be looking for when you donate to a 501 (c)3? Thankfully, all the tools you need are at your fingertips! Join us as we talk to Emily Seddon, Development Director of Haven Housing, about philanthropic giving.  Music provided by Caleb Kelson. Editing provided by Rachel Hanson
23:40
October 21, 2021
It's a Beautiful Day in Your Neighborhood
Do you enjoy using short-term rentals when you travel? We do too, but the proliferation of short-term rentals has made things difficult for our neighbors and neighborhoods. Cheyenne and Rachel discuss the challenges and opportunities short-term rental companies have as we move forward. Music provided by Caleb Kelson. Editing provided by Rachel Hanson
29:14
October 14, 2021
Hear Ye, Hear Ye
Have you ever wondered why What the Finance is on Facebook and Instagram? Well, wonder no more! Rachel and Cheyenne are thrilled (and if we're being honest, a little nervous) about a move we're making. Music provided by Caleb Kelson. Editing provided by Rachel Hanson
04:11
October 09, 2021
Preventing Homelessness in Your Community with Lilliam Lamoreux
In this episode of What the Finance Cheyenne and Rachel are joined by Lillian Lamoreux, Executive Director of Hope House of Manitowac County to talk about homelessness and what you can to do help people experiencing homelessness in your community. To keep up with us check us out on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com. Music provided by Caleb Kelson. Editing provided by Rachel Hanson
36:04
October 07, 2021
We Swear, It's the Truth!
In this episode of What the Finance Cheyenne and Rachel discuss the financial and personal cost of misinformation and disinformation, our responsibility to stop it in it's tracks, and some strategies to get started. To keep up with us check us out on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com. Music provided by Caleb Kelson. Editing provided by Rachel Hanson Full transcription of this episode will be available on our website.
26:05
September 30, 2021
Saving Money Online
In this episode of What the Finance Cheyenne and Rachel discuss their tech strategies for saving money on everyday things. To keep up with us check us out on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com. Music provided by Caleb Kelson. Editing provided by Rachel Hanson Full transcription of this episode will be available on our website.
15:45
September 23, 2021
Unemployment
In this episode of What the Finance Cheyenne and Rachel discuss unemployment, their personal experiences with it, and their suggestions for proceeding To keep up with us check us out on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com. Music provided by Caleb Kelson. Editing provided by Rachel Hanson Full transcription of this episode will be available on our website.
19:44
September 16, 2021
The Handmaid's Tale
In this episode of What the Finance Cheyenne and Rachel talk about how they think the financial world of The Handmaids Tale, a novel by Margaret Atwood and award-winning Hulu series, would work.  To keep up with us check us out on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com. Music provided by Caleb Kelson. Editing provided by Rachel Hanson Full transcription of this episode will be available on our website.
18:55
September 09, 2021
For Those Of You Concerned
In this episode of What the Finance Cheyenne and Rachel what they learned from Season One of What the Finance and what they hope to accomplish for Season Two. To keep up with us check us out on Facebook, Twitter, Instagram, and Pinterest or email us at What_the_Finance@protonmail.com. Full transcription of this episode will be available on our website.
18:04
September 02, 2021
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 08, 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 02, 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 01, 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 04, 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 04, 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 07, 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 08, 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 03, 2020