Home ownership is getting more expensive. But it is not impossible. I shared how our 24-year old did it- and how my husband and I helped give her just the right amount of strategic help- with Joe Saul-Sehy on Stacking Benjamins. 

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Full Transcript:

Bethany Bayless wanted to be a financial grownup when she was an 18-year college student. But when she couldn’t get a traditional college student job near campus, she got creative, earned the money she needed for expenses and found a way to give back to the community. Plus Bethany shares her favorite apps to make extra cash.

“There is a limit to how much you can cut back in your budget. You don’t have to limit your income. ”

Bethany's money story

Bethany Bayless:
When I graduated high school, I went off to college and as a grownup, I just turned 18, and I went to a college that was very small, and it was in a town of six other colleges. We were lots and lots of college students.

Bobbi Rebell:
What town?

Bethany Bayless:
It was Spokane, Washington. In Spokane, there's Gonzaga University, Eastern Washington, all these big universities. There were not a lot of jobs for college students there. It was very very saturated. I was very adamant that I wanted to pay my own rent.

Bobbi Rebell:
You are, by the way, one of five children.

Bethany Bayless:
That's correct. I am the only girl also, I just might add. I didn't want to ask my parents for money because I'm an adult, and that's what adults do is you make your own money. You pay your own rent and utilities, and food, and all of those things. What I did find was that I could go to a plasma bank and donate my blood plasma twice a week. That's exactly what I did. I made $240, and my rent was $240, exactly.

Bobbi Rebell:
Oh my god. Talk a using your god-given resources, Bethany.

Bethany Bayless:
Exactly. I also think, isn't the house rent supposed to be 25% of your income? It was about 100, and so definitely a lesson learned there. I had to do some other little things here and there. This was before side hustle nation. This was before Uber, before Insta Cart, or something else that I could do to earn money. This was the side hustle app of the age, if you will.

Bethany Bayless:
I just learned very very quickly how much money was worth, and even a quarter was the world to me. It was a chunk right there. It was a great experience because I learned to be frugal. I learned to cut back, and I learned to know exactly what I needed. It was a time that I had zero once.

Bobbi Rebell:
By the way, I used to give blood plasma a lot. My mother was sick at a point, and that was something that I was a regular there. One thing that I did learn was that they also feed you there, Bethany.

Bethany Bayless:
Yes. Cool.

Bobbi Rebell:
In addition to the money you could get meals, right?

Bethany Bayless:
Yeah. Basically the way the plasma works for people who are not familiar with this process, we will be talking about blood. Just give that disclaimer very quickly. What they do is they hook you up to a machine. They take out a certain amount.
Bobbi Rebell:
It takes a while.

Bethany Bayless:
Yes.

Bobbi Rebell:
It's a process. This isn't just donating blood. This is a different kind of thing.

Bethany Bayless:
Totally different. Because what they do is they put it in a ... It is a word for it. They put it in a machine where it separates it. They spin it really really fast, and it separates the platelets with the white blood cells, with the red blood cells and your hemoglobin, or whatever. Then they give you back your red blood cells.

Bobbi Rebell:
It takes about an hour sometimes. It depends on your blood pressure, believe it or not. Because I had low blood pressure, and sometimes I would not even qualify because you have to be at a certain level, which makes it a very special thing. People really should donate if you do qualify. It's an important thing to do, I should say. You are there for quite a while.

Bethany Bayless:
It is. I would be there sometimes ... Because you had to go in the waiting room first. Right?

Bobbi Rebell:
Right.

Bethany Bayless:
You have to wait-

Bobbi Rebell:
They set it up for you.

Bethany Bayless:
You have to go through this process. It was a chunk of time, but it was exactly what I needed. I went twice a week. I became friends with Rick, who was the guy who ever single week I would go to him. We became friends. He even had the bedside manner of House, very dry, sarcastic, hated the world, but he called me Sunshine. It was a great experience for me to really do it on my own, to do it myself. I thought, why not. It was the epitome of my desperation pretty much.

Bobbi Rebell:
Also, it is a giving thing to do, and I think it's wonderful that you did that, because even though that wasn't your primary motivation at the time, and I think it's important that people understand that, and that if they are eligible and can do that, it is great to donate plasma.

Bethany Bayless:
Absolutely. Also, I was a universal donor. My blood type is the rarest blood type. I'm AB negative, for anyone who wanted to know. We're finding out so much about each other in this conversation.

Bobbi Rebell:
So much.

Bethany Bayless:
I'm AB negative. It is the universal plasma donor, so anyone could take my plasma.

Bobbi Rebell:
That's wonderful. You didn't mention, what was your favorite snack when you were done? Because they did feed you, so you got food and money.

Bethany Bayless:
Yes, food and money, and I really loved the little cookies. They have little chocolate chip cookies.

Bobbi Rebell:
Yum. Do they have orange juice too?

Bethany Bayless:
Yes, and apple juice, I believe.

Bethany’s money lesson

Bethany Bayless:
The lesson is to do whatever it takes to get by, and to be a financial grownup.

Bobbi Rebell:
Within what is legal and what is reasonable. We need to qualify that, Bethany-

Bethany Bayless:
Absolutely. Do anything that was legal. Should I say that again, Bobbi?

Bobbi Rebell:
Well, I don't know that people should, for example, donate a kidney, that kind of thing. I think that things like plasma, and things like that, are good, but not actual body parts.

Bethany Bayless:
A kidney or another controversial-

Bobbi Rebell:
We want to be clear.

Bethany Bayless:
... another controversial is donating things like eggs.

Bobbi Rebell:
Yes.

Bethany Bayless:
That could have set me up for the entire year, but interesting.

Bobbi Rebell:
It's a personal decision. Just be thoughtful about what body parts and things that you give from yourself.

“I could go to a plasma bank and donate my blood plasma twice a week. So that is exactly what I did. I made $240. And my rent was $240 exactly. ”

Bethany's everyday money tip

Bethany Bayless:
Like I said in my story, there was a time when I gave plasma as my last option, it was a time that these apps did not exist. It was not the age of the side hustle, but now I feel like financial grownups have so many options, because you can cut back. There's a limit to how much you can cut back in your budget. There's a limit to how you can limit your expenses.

Bobbi Rebell:
You can only give plasma twice a week.

Bethany Bayless:
You can only give plasma twice a week, but the other thing is that you don't have to limit your income. That is something that there's no limit to the amount of money that you can make. One of the things that you can do is there are a list of apps, things that we've talked about, like Uber or AirBnb, or things like that. Those are already very well known. Other things like Insta Cart, maybe you want to go grocery shopping for people, and you can do it in your spare time. You can pick up times where you just go grocery shopping. It's a great tool to use. I love getting my groceries delivered. If you want to shop [crosstalk 00:10:29].

Bobbi Rebell:
But you can also be the person delivering the groceries.

Bethany Bayless:
Exactly.

Bobbi Rebell:
We want to be clear. For all of these, you're not the person getting in the Uber. You're the one driving the Uber.

Bethany Bayless:
That's absolutely right.

Bobbi Rebell:
That's where the income comes.

Bethany Bayless:
Exactly. We have Insta Cart. We have Etsy. Maybe it's time to make things online. There's also some other really great ones, like Rover. It's a dog-walking app. If you want to go hang out with dogs for a day, why don't you download Rover, and you're able to go. You can even teach your kids about being responsible, and take them along with you now that you're a financial grownup, if you have children. Those are some of my favorite apps that you can use.

Episode Links:

Bethany’s websites TheMoneyMillhouse.com and BethanyBayless.org

Apps we mentioned in the episode:

• Uber

• Aribnb

• Instacart

• Etsy

• Rover

Follow Bethany!

• Instagram - @BethanyBayless

• Facebook - @BethanyGraceK

• Twitter - @BethanyBayless

• LinkedIn - @BethanyGrace

Follow The Money Millhouse!

• Instagram - @TheMoneyMillhouse

• Facebook - @TheMoneyMillhouse

• Pinterest - @TheMoneyMillhouse
  

Some of the links in this post are affiliate links. This means if you click on the link and purchase the item, I will receive an affiliate commission at no extra cost to you. All opinions remain my own.

After witnessing a friend make over $100,000 trading stocks, Dr. Brad Klontz went all in.. just in time for the tech bubble to bust. He lost the cash, but learned a lot of lessons about the market, and his own mental wealth. Plus: the quiz you can take to find out if you have a money disorder, and what to do about it. 

Brad’s Money Story:

Dr Brad Klontz:
So I didn't start out to be a financial psychologist. I actually started out to be a clinical psychologist, so to get through school I had to take out student loans and I'm sure some other people can relate to this situation. When I got out of school, I owed $100,000 in debt; student loan debt.

Dr Brad Klontz:
I grew up lower middle class. My mom says we were middle-class but lower and taught to be a healthy saver, not to overspend. I was also taught never have any debt, however, that was the only way I could get through school. So I, just to sort of set the stage, I had a lot of anxiety about having this debt. It was something that I wasn't comfortable with.

Bobbi Rebell:
How much debt did you have?

Dr Brad Klontz:
About a hundred thousand dollars?

Bobbi Rebell:
That's a lot.

Dr Brad Klontz:
Yeah, it was a lot, especially back then, but that's what I had to do to get my doctorate.

Dr Brad Klontz:
So I started my internship year. I was over in Hawaii and I saw a friend of mine make $100,000 that year, trading stocks. I would sit next to him at the computer and he'd be like, "Oh, I just bought 200 shares of EMC." I'm like, "What's EMC?" He's like, "I have no clue. Ha, ha, ha." Click. I saw him make $100,000 in the course of a year. I thought, what a brilliant way for me to get out of debt. So I'll just do the same thing.

Dr Brad Klontz:
So I sold what I had of value, which for me mainly was a truck and I put it all in the stock market.

Bobbi Rebell:
How much?

Dr Brad Klontz:
For me it was about like 10 or $15,000. I mean, I cobbled together everything I had and I had nothing beyond that and I put it all in the stock market. So this was everything I owned.

Bobbi Rebell:
Based on this one observation?

Dr Brad Klontz:
Well, I observed this over the course of about a year. So I watched this person make $100,000 trading stocks. So that's where I, where I came up with this idea. So I studied it for six months. I didn't just dive right in, Bobbi, but then I did. I dove right in and I had a fabulous two or three months and then the tech bubble crashed and I sat there and I watched all this money melt away. It was just a terrifying, terrible. I felt so ashamed and embarrassed. I couldn't believe I would do something so radically stupid with my money and I turned to the field of psychology. I did what grad students are very familiar with; I did a literature review, so I was going to dive into psychology and find these studies that have been done to help explain why a reasonably intelligent person would do something so stupid with his money.

Dr Brad Klontz:
I started to do the searches and I found nothing.

Bobbi Rebell:
Really?

Dr Brad Klontz:
Yeah. Really the field of psychology at utterly ignore the topic of money for decades. So I was kind of bummed by that. What I wanted to do was read a few studies, get my head straight, and move forward with my life as a clinical psychologist.

Dr Brad Klontz:
What I discovered is there was nothing there and so I decided to actually have to dig it around in my own financial psychology and what I found is that it was all my mother's fault.

Bobbi Rebell:
Okay.

Dr Brad Klontz:
That's sort of a psychology joke.

Bobbi Rebell:
By the way, your father, you're now in business with your father.

Dr Brad Klontz:
Exactly. But psychologists like to pick on mothers for some reason, typically because they're the ones who are most involved in there. But what I did is I actually, I did, I was like, okay, so I've learned, everything I've learned pretty much from my parents. So what I did is I hopped on a plane and I went back home and I sat down with my mother and then I did this with my father too, and I interviewed them, almost like an anthropologist would.

Dr Brad Klontz:
I'm like, okay, so I have this money psychology, I have no idea really what it is. I have a lot of anxiety around money, but where did it come from? So I sat down with my parents and by the way, as a grad student, I'd put them through this before and so it wasn't unfamiliar. So I was asking my mother, what was it like for you growing up? What was it like for grandma and grandpa around money? I got to tell you, Bobbi, I was shocked by some of the stories I heard.

Bobbi Rebell:
Like what?

Dr Brad Klontz:
Well, the one that was the most shocking for me was that my grandfather, my maternal grandfather, he lost all of his money and the family's money in the Great Depression. So he went to the bank one day and the doors shut. You have no more money. This was a traumatic experience and a lot of the research that we've done since then, there are a lot of these traumatic experiences around money that people have experienced in families or entire cultures or groups of people, and the story gets passed down in the anxiety gets passed down.

Dr Brad Klontz:
That's what happened to him and he's not alone. That happened to a lot of people, but what I didn't know is he lived to be in his mid-nineties he never put a dollar in the bank the rest of his life. That was such a traumatic experience for him.

Dr Brad Klontz:
He's like, you can't trust banks with your money; never put money in the bank again. He put it in a lockbox in his attic and of course it wasn't going so well for him financially and when he passed away, he was living in a trailer park. Super great guy, very generous guy, but was so traumatized by what happened around money, never even entered the door of possibly getting some interest or investing.

Dr Brad Klontz:
Now, my mother had tons of anxiety around money. I knew that. She didn't invest in the stock market, but she would put money in the bank and CDs. What I realized was there's this entire family story that I hadn't even heard of, but I'm playing out the next chapter and of course growing up in that family, I'm like, I don't want to be poor like you guys, so I'm going to do the opposite of what you did.

Dr Brad Klontz:
So I, I call it like a dysfunctional pendulum swing. I went from extremely anxious and conservative to the most risky possible investment and I got burned really badly and if I wasn't a psychologist, I wonder if I wouldn't have sort of blamed the market. This is actually what we're seeing happen now with a lot of millennials where they saw their parents go through a trauma; losing a house, delaying retirement, that kind of thing and there's a general mistrust of the markets and financial institutions within that generation.

Bobbi Rebell:
Do you think that's why a lot of millennials, and we're totally stereotyping here, guys are less into buying houses as a generation and less into credit cards, more into debit cards and more in to experiences than owning stuff because stuff you can kind of lose and experience is with you forever.

Dr Brad Klontz:
I think so, and again it is a generalization, but I think that there are surveys that have really borne this out like this. This is a real thing. Like they experienced a cultural phenomenon that has impacted how they look at money, how they look at investing, how they look at risk, and so absolutely. Just like that Great Depression generation had a cultural experience that led to a bunch of hoarding, frankly. A lot of people know relatives who lived through that, who are a bit of hoarders. They're saving stuff. They don't want to get rid of it. They have anxiety about not having enough.

Bobbi Rebell:
Did you pull the money out when the market crashed in the tech bubble or did you ride it out?

Dr Brad Klontz:
You know what, I did a combination. I think I actually still own a couple legacy stocks from then that I just hold on to just as a reminder that that we're all vulnerable. We're all potentially vulnerable to emotional decisions around money. I took it in the chin. A lot of these were stocks that just basically went belly up because things were ridiculously crazy back then.

Bobbi Rebell:
Oh okay. So it wasn't even an option to ride them out because a lot of good companies went down and then eventually came back.

Dr Brad Klontz:
Absolutely. But I was on the, I was going after the riskiest stocks possible within that tech sector because that's what I had seen my friend do and make $100,000.

“We are vulnerable to emotional decisions around money.”

Brad’s Money Lesson:

Dr Brad Klontz:
So the lesson is this, that the craziest behaviors you have around money, the things that you must struggle with, you're not crazy. They make perfect total sense.

Dr Brad Klontz:
If you understand the story that your family experienced around money and the beliefs that you got based on that story, either your direct experience or the experience that was passed down to you, and the research that we do, we call them money scripts. These are those typically subconscious beliefs you have about money and we've done a dozen studies on this now. These beliefs will predict income, net worth, a whole host of financial behaviors including credit card debt, et cetera.

Dr Brad Klontz:
So these beliefs are extremely powerful and most of us have no idea they're clanking around in our head. So yeah, that's the message I would give.

“I was going after the riskiest stocks possible within that tech sector because that is what I had seen my friend do and make $100,000.”

Brad’s Money Tip:

Dr Brad Klontz:
Absolutely. So it's understanding those money scripts and there's a couple of different ways to do it.

Dr Brad Klontz:
On Yourmentalwealthadvisors.com I've got the test that we've used in all those studies. That's a quick, simple way to look at them, or another way is to actually sit back with a paper and pencil and ask yourself, what three things did my mother teach me about money? What three things did my father teach me about money? If you have the benefit of them being still alive, go interview them, ask them stories. What was it like for them growing up? What was it like for your grandparents? Because again, these messages get trickled down. We have no idea where they came from, but they totally drive all our financial behaviors.

“We saw a 73 percent increase in savings when people got really excited about what they were saving for.”

Bobbi’s Financial grownup tips:

Financial grownup tip number one:

After you take Doctor Brad's Money Disorders Test, which as you heard called me out as being a workaholic and sometimes to a not healthy level, actually do something about it. In my case, Doctor Brad got me started with some ideas by pointing me to a recent video he did on YouTube for workaholics. Among the tips, taking the Rocking Chair Test where you reflect on your life and you think about where you wish you had spent more of your time. We will leave a link to that video in the show notes.

Financial grownup tip number two:

One of the things that Doctor Brad does is that he has a money mantra. For him, it goes something like this. I worked very hard today. I'm really happy with what I did. Now my wife, my children and my health are actually more important to me, so I'm going to stop working right now and I'm going to leave. So maybe we should all make money mantras. Something I've thought about before, still haven't done, something to think about.

Episode Links:

• Blinkist - The app I’m loving right now. Please use our link to support the show and get a free trial.

• Brad’s website - www.yourmentalwealth.com

• Paul Ollinger’s Financial Grownup Episode

• The workaholic video I mentioned

• Money Disorder Assessment

Follow Brad!

• Instagram - @DrBradKlontz

• Facebook - @DrBradKlontz

• Twitter - @DrBradKlontz

• LinkedIn - @DrBradKlontz

• YouTube - @DrBradKlontz

Some of the links in this post are affiliate links. This means if you click on the link and purchase the item, I will receive an affiliate commission at no extra cost to you. All opinions remain my own.

Sadie Kurzban won $25,000 in a college contest for entrepreneurs by using a strategy that has continued to drive the growth of her boutique dance fitness chain. The millennial entrepreneur shares her secrets to building a business on a low budget, along with her personal tips on how she manages healthy meals on a budget with her relentless schedule.

Sadie’s Money Story:

Bobbi Rebell:
For your money story, you're going to actually talk to us about how you got the funding to start this, because you were just in college.

Sadie Kurzban:
I was, yes. I started teaching aerobics classes really for fun in college because I was passionate about it. I had always loved group fitness and I thought, well let me take my hand at giving this a try. So I was teaching it for fun and when I was thinking about what I wanted to do for my career around graduation, that my senior year my friend turned to me and she was like, "Girl, like this is your passion, you need to do this" and I was like, "What? I'm not going to graduate college and go be a fitness instructor".

Bobbi Rebell:
You were at Brown University by the way.

Sadie Kurzban:
Yes, I graduated top of my class. Everyone around me was getting a job in consulting. They were going to medical school, going to law school and I was like, "I think I should go do something like that". So I was like, "How am I going to go?" I even, I remember I looked up in Brown alumni who's in fitness, even just as a category and there was like one alumni from the 70's like it's just not a very popular thing to do. So, I was like, "God, I'm not going to go. Yeah, I have bigger ambitions than being a trainer". So she said, "Why don't you just start a business?" I was like, "What?" I had never even thought about starting a business, truly. This was right before senior year.

Sadie Kurzban:
We started looking up in the course curriculum, entrepreneurship, accounting, really we were kind of scrambling and I ended up majoring in economics, which was really funny and unexpected. But I took every entrepreneurship related, business related, accounting related. It was my entire senior year I was filled with these courses, studying my tail off and I entered the big annual business plan pitch competition. So it's a 10 minute pitch. It's all students, almost all the teams were all male. A lot of the teams were graduate students who had invented like incredible things like medical devices, like really impressive businesses and here I was, I was like, "I'm going to start this dance cardio workout. It has a DJ. It's really fun. This is why I should win". It was really surprising at the end of the day that I won, but it really was the sign from the universe that I needed to move to New York and make this happen.

Bobbi Rebell:
Why do you think you won? What was the differentiator?

Sadie Kurzban:
Yeah, I'll tell you why I think I won was that it's held in the school auditorium and it's a pretty nerdy competition. A lot of business majors, a lot of masters students that I got hundreds of kids who would come take my class every week. I said, "I'm entering this pitch competition. If you love these fitness classes I've been teaching, please come and cheer me on". So I packed the room. I mean, honestly, with 300, 400 students that were screaming their heads off for me. So I think the judges, while they thought, well maybe, I don't know if they felt this was the most impressive business, but what they definitely saw was I had proven the concept and I had really gotten a handful of ... More than a handful of really passionate evangelists. So they knew I was onto something and getting people super passionate about this early on has been the biggest gift and the biggest way that we've grown so quickly, as you know with limited resources, getting customers to really evangelize us and tell their friends.

Bobbi Rebell:
Right, and then you got the $25,000 to get going.

Sadie Kurzban:
Yeah, it was enough to at least give me the confidence to move to New York and give myself nine months to try and make it happen.

Sadie’s Money Lesson:

Sadie Kurzban:
I think the biggest lesson there is, I didn't worry so much about all of the 'what if's' and the house and even moving to New York and all of these things and renting space. I just thought about how can I get every customer who walks in to really go back to their next dinner, to work the next day and talk about this like it's nobody's business, right? So with pretty limited resources, $25,000 in New York City is not a lot of money at all. I knew I didn't have a lot of room for error, but what I did have was customers in front of me every day and if I could get one person super jazzed about this, telling 10 people, that was free marketing for me. So I had to really deliver on the experience and most importantly stop worrying about all the 'what if's' and what could happen. Really think about that person in front of me and look at them as a real opportunity to keep just running through the doors that have been opened for me and breaking the glass ceiling.

Bobbi Rebell:
Your instructors are really brand ambassadors.

Sadie Kurzban:
They are, yes. We all live in Brea, 305 and we know how important that client in front of us is.

Sadie’s Money Tip:

Sadie Kurzban:
So yeah, I was thinking a little bit about this because they listened to your show and I have to admit I'm not great at saving. I'm a little bit better at just creating things and I tend to kind of close my eyes and drive at the same time when it comes to money. But the one way that I really do, I think successfully saved is again, in a city like New York where it's really tempting to do seamless every night or go to dinner, that can really add up big time, like $30, $40 every night. So instead what I do is, I cook and I eat a lot of homemade meals or I'll pack it to the office. But the best thing that I found is really, instead of, it would just be so daunting to get home late at night and cook for myself every night this [inaudible 00:07:48] meal.

Sadie Kurzban:
So what I do is I cook a whole bunch on Sundays, like a bunch, as much as I can. I refrigerate enough for three days and then everything left over I freeze. So by the time the weekend rolls around, unfolding and I'm cooking again. So it's enough what I make on Sunday to really carry me through the week and within that what I've found is another tip within that is, that if I put all this pressure on myself to make these gourmet meals and I'm chopping onions and all these things, I'm just not going to do it. I'm going to wake up on Sunday and I'm going to think no way, no way. So instead I'll splurge a bit on the pain in the butt stuff like chopping onions, chopping garlic. This stuff that I know is going to come up in every recipe, I'll get those precut so I'll spend the extra dollar at trader Joe's knowing that someone else's has cut or a machine has cut the onions for me and that way I know I can make the meal in five minutes instead of taking me 15 minutes to make everyone.

Bobbi Rebell:
Love it. That's so practical and it's also important because you aren't just sitting in an office, you actually go and teach these classes.

Bobbi’s Financial grownup tips:

Financial grownup tip number one:

Sadie won that first $25,000 in college by doing something no one else did. She literally brought her own cheering section of happy clients. They were there to cheer for her, but they were also there with her. None of us can do everything alone. Sadie doesn't, she brings others along for the ride. If you do that in your life with anything, not just business, but anything that matters to you, include others, make them stakeholders in your success and also you can hear it in her voice, it just made it so much fun.

Financial grownup tip number two:

I love Sadie's hybrid approach to cooking at home. You will not get a prize if you chop every single onion. It is more than okay to splurge and pay a little more to have some ingredients prepped for you so you're more likely to not only eat healthy but also not waste money ordering out and having food delivered. The key thing, and I'm still working on this myself, is the organizational element and the planning.

Episode Links:

• Blinkist - The app I’m loving right now. Please use our link to support the show and get a free trial.

• 305 Fitness career opportunities

• Money with Friends podcast

• Sadie’s website - 305 Fitness

Follow Sadie!

• Instagram - @305fitness

• Twitter - @305fitness

• Facebook - @305fitness

• Pinterest - @305fitness

Some of the links in this post are affiliate links. This means if you click on the link and purchase the item, I will receive an affiliate commission at no extra cost to you. All opinions remain my own.