Best Bare Elements Podcasts (2024)

1
She Increased Her Net Worth by $140k in 1.5 Years! 54:23

10M ago54:23

54:23

This week-- we brought on one of our lazy investors Cassie to talk about how she increased her net worth by $140k+ in a little over a year. We talked about her money journey, her budgeting system, and a story of how she was fired by her financial advisor. Related Episodes: E53. Retired by 36?! Serial Entrepreneur Jeremy Schneider of Personal Financ…

1
Quick Money Tip #40: How to Find a Mentor 34:13

10M ago34:13

34:13

A mentor can be an invaluable asset to your career and income growth-- but how do you find one? How do you know you're finding the right person for your mentorship? In this week's quick tip, Clo Bare talks all about how to find a mentor to elevate your career. Indeed Article: How to Find a Mentor in 8 Steps:https://www.indeed.com/career-advice/care…

1
Reddit Roundup: I found out my fiancé was only with me for money 1:06:31

10M ago1:06:31

1:06:31

We're back with another Reddit roundup! This week, we've got a woman who finds out her fiance is only with her for money, a kid who spent all his college fund on travel and is now asking for more money, a mother-in-law who wants to be paid for a gift, and more! Get Clo Bare's reaction to these "am I the asshole" (AITA) threads-- with a money twist.…

1
Quick Money Tip #39: How much should I have saved for retirement? 16:26

10M ago16:26

16:26

Not sure how much to squirrel away for retirement? Clo Bare demystifies the 4% rule so you can ballpark approximately how much money you'd need saved to retire... and never run out of money. Money with Katie Blog Post: https://moneywithkatie.com/blog/how-to-determine-if-youre-on-track-for-your-age Bankrate Retirement Calculator: https://www.bankrat…

1
From Food Stamps to Living Her Dream Life: Yanely aka Miss Be Helpful Shares her Journey 1:07:30

10M ago1:07:30

1:07:30

Have you ever heard someone's story and felt completely in awe? That's how Clo Bare feels about Yanely Espinal, founder of Miss Be Helpful, author of Mind Your Money, and overall bad**. In this week's episode, Yanely shares her story from growing up in New York City with her 9 siblings to finding financial freedom and her dream life. We discuss mon…

1
Quick Money Tip #38: How to Start a Business 46:54

11M ago46:54

46:54

Clo Bare just hit a pretty cool milestone-- the Lazy Investor's course is now a half-a-million-dollar course! And that has her thinking... what would she do if she started a business today? Well-- find out in this week's quick tip episode. Related Episodes: Ep. 3: $35k a month?! How I Grew My Business Income with Nathalia Copeland Ep. 15: From Fire…

1
Change your Mindset, Change your Life with Nathalie Botezatu 47:58

11M ago47:58

47:58

Got overcoming beliefs around your money or making it? Clo Bare brings on Nathalie Botezatu, a first-generation Romanian-American International Mindset Coach, to talk about how she helps leaders and entrepreneurs worldwide heal their minds and shift limiting beliefs about what is possible within their lives and businesses. Instagram: https://www.in…

1
Quick Money Tip #37: Is there student loan forgiveness for single moms? 24:14

11M ago24:14

24:14

There are over 10 million single-parent families in the United States, and nearly 80% of those families are headed by single mothers. Most people with student loan debt feel that they will likely die with the debt still unpaid. To add to this, more often than not, single parents tend to leave school with higher debt and accumulate debt at a faster …

1
Paying off $21k of Debt in 11 Months While Traveling the World with Niqua from Financially Winning 48:50

11M ago48:50

48:50

Hear how Niqua, the owner of Financially Winning, completed her debt-free journey in May 2021, tackling $21K of student loan debt in 11 months. Originally from the Virgin Islands, she uses Financially Winning to focus on providing resources and tips to help individuals win with their finances. Niqua is also a travel blogger and content creator. She…

1
Quick Money Tip #36: 3 Key Elements of Investing 29:59

11M ago29:59

29:59

Want to start diving into investing? Here are the top three things you need to know to get started including your goals, risk tolerance, and more. The article referenced: https://www.fidelity.com/viewpoints/investing-ideas/3-keys-the-foundation-of-investing?ccsource=email_weekly_0810_1037578_56_0_CV1 Related Episodes: Quick Money Tip #35: ETFs vs M…

1
Finding Joy in the Everyday: Mr Money Jar's Story 1:09:40

11M ago1:09:40

1:09:40

Timi Merriman-Johnson, also known as Mr. Money Jar, has been data-driven since he was a kid-- keeping a budgeting journal to track all his income and output from as early as nine years old. In this week's episode, he tells his story from working a 9 to 5 to quitting to pursue his passion for educating The United Kingdom on how to money. Related Epi…

1
Quick Money Tip #35: ETFs vs Mutual Funds 38:43

11M ago38:43

38:43

Confused by the difference between mutual funds and exchange-traded funds? So was Clo Bare when she first started investing, so let's break it down so you can understand the pros and cons of mutual funds and ETFs. Related episodes: Quick Money Tip #28: Which brokerage should I use? Quick Money Tip #18: The Financial and Investing Order of Operation…

1
Hollywood Actor Leven Rambin Shares Her Wealth Building Journey and Exploration of Identity 55:58

11M ago55:58

55:58

Doesn't it feel like we ARE what we do in this country? Especially if what we "do" is something as cool as being a Hollywood Actor-- like that's the stuff of dreams right? So what happens when we realize we may want something else than what we've identified for decades? In this week's episode, we explore exactly that with actor Leven Rambin as she …

1
Quick Money Tip #34: Can you be happy on more than $75k a year? 30:29

12M ago30:29

30:29

Have you ever heard of this idea that your happiness plateaus after $75k a year? The actual study was conducted by Daniel Kahneman and Angus Deaton at Princeton University in 2010. They found that happiness generally plateaus once someone earns around $75,000 annually. I don't know about you, but I have never really resonated with the idea that mon…

1
The Broke Bish Era with Rachael Camp, CFP 1:01:22

12M ago1:01:22

1:01:22

Clo Bare and Rachael Camp are on the same page-- they're entering their broke bish era... by choice. Despite making more money than they ever had before. Despite having higher net worths than they ever had before. Listen to why that is, what a broke bish era even is, and get a few tips on your broke bish era in this week's episode. Connect with Rac…

1
Quick Money Tip #33: 10 Things I'd Do with My Money if I Started Over Today 24:44

12M ago24:44

24:44

Want to know the blueprint of how to start your money journey? Chloé breaks it down in today's episode explaining 10 things she'd do TODAY if she had to start over. Related Episodes: Quick Money Tip #9: How I Increased my Net Worth by $300k in 5 Years Quick Tip #17: Habit Stacking Your Finances Quick Money Tip #18: The Financial and Investing Order…

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From Feeling Paralyzed and Lost... to Becoming Clo Bare Money Coach: Telling My Story, Part 4 37:14

12M ago37:14

37:14

Oooof, prepare for an emotional one. In this week's episode, part 4 of a series of Clo Bare telling her story-- she breaks down what happened after China, how she started therapy, and how she eventually turned into Clo Bare Money Coach. Got a question for Chloé about her journey? Email her at chloe@clobare.com Related Episodes: From Depressed and S…

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Quick Money Tip #32: Permanent Life Insurance aka Whole Life, IULs, VULs and More 32:45

12M ago32:45

32:45

Prepare for a permanent life insurance education cause Clo Bare is breaking down the pros and cons of permanent life insurance and explaining the different types out there. Related Episodes: The (EXPENSIVE) Hidden Truth about Financial Advisors-- even Fiduciaries with Tess Waresmith Quick Money Tip #18: The Financial and Investing Order of Operatio…

1
Love & China: Spilling the Tea about my Ex-Fiancé 1:14:43

12M ago1:14:43

1:14:43

Part 3 of Clo Bare's story is here, with a special guest: Sophie Banks, aka Chloé's platonic life partner. Hear about how Chloé navigated her life in China in her early 20s, and how she survived an abusive ex who believed he was god. Related Episodes: Ep 1: From Depressed and Stressed to Financially Free: Clo Bare's Money Story Ep 83: Telling My St…

1
Quick Money Tip #31 : Bonds-- do you need them? 22:23

1y ago22:23

22:23

With rising interest rates, more and more folks are wondering if bonds are right for their portfolio, so let's break it down and make sure you understand the basics of what you need to know about bonds! Related Episodes: Quick Money Tip #18: The Financial and Investing Order of Operations Quick Money Tip #12: Addressing Objections & Fears Behind In…

1
Depression, Anxiety and Giving Away my Power: Clo Bare's Story, Part 2 40:53

1y ago40:53

40:53

In this week's episode we're diving into part 2 of Clo Bare's story... starting with the relationship with a dude who still owes her $60k to this day... and taking us on the journey through college, depression, and more. Related Episodes: Ep 1: From Depressed and Stressed to Financially Free: Clo Bare's Money Story Ep 6: My Mom's Story, How It Impa…

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Quick Money Tip #30: Should I save, invest, or pay off debt??? Listener Write In 34:54

1y ago34:54

34:54

This week our quick tip breaks down the income and expenses of listener Maggie! We cover her current finances with her husband and a few things to consider: 1. Should they focus on paying off their credit card debt or building an emergency fund? 2. Should they get a lower interest rate loan to pay off their credit cards? 3. Should they even start i…

1
Telling My Story: How Adolescence Impacted My View of Money 41:50

1y ago41:50

41:50

It's our 1-year anniversary! WOOOO! In honor of that, we're diving deep into Clo Bare's story, starting with... childhood and all the way up to high school in this week's episode. You'll hear Clo Bare's story and get a few tips on money management along the way. Related Episodes: Ep 1: From Depressed and Stressed to Financially Free: Clo Bare's Mon…

1
Quick Money Tip: #29: Listener Questions! 22:38

1y ago22:38

22:38

Got a money question for Clo Bare? Well, this week we are answering those questions! Clo Bare answers questions on emergency funds, HSAs, investing for beginners, whether or not you should pull money out of a Roth IRA to buy a home, and more! Related Episodes: Episode 49: Answering Your Money Questions: Listener Write-Ins Episode 57: Listener Quest…

1
How Leandra from Female in Finance Paid off $250k of Medical Bills 1:28:51

1y ago1:28:51

1:28:51

We're on a medical bills and medical systems RUN, lately! And today's episode is a little different-- we're sitting down with my good friend Leandra Peters from Female in Finance to talk about her money journey-- from growing up struggling to getting hit with a quarter of a million in medical expenses in her 20s to being five years away from retire…

1
Quick Money Tip #28: Which brokerage should I use? 23:55

1y ago23:55

23:55

Ever wondered what brokerage you should be using to open that Roth IRA? We've got you covered. Discover the secrets to selecting the perfect brokerage firm for your investment goals in our latest podcast episode! Clo Bare breaks down her two favorite brokerages, how to choose a reliable and user-friendly platform, evaluate fees and commissions, and…

1
Save Money on Prescription Drugs: Expert Tips to Navigate Prescription Drug Costs 46:32

1y ago46:32

46:32

Got prescriptions that are eating up your budget? The healthcare system we already know is a mess in the US, and in this episode, I brought on a real-life Pharmacist to talk about prescription drug costs and effective strategies to save money. With soaring healthcare expenses, finding ways to reduce prescription drug costs has become increasingly c…

1
Quick Money Tip #27 Money Market Account vs High Yield Savings Account (HYSA): Which is Best? 19:59

1y ago19:59

19:59

What's the difference between an HYSA and a money market account, and how do you choose which one to use? A high-yield savings account (HYSA) and a money market account are popular options for folks looking to earn interest on their savings. Both accounts offer competitive interest rates and are considered relatively safe places to store your cash …

1
Love & Money: Navigating Financial Challenges in Relationships with Decoding Couples 42:28

1y ago42:28

42:28

Financial infidelity, joint vs. combined vs. separate, power dynamics, and emergency funds?! What do these topics have in common? They're some of the biggest financial issues relationship therapists Rachel Facio, LMFT and Stacey Sherrell, LMFT, founders of Decoding Couples, see with their students and clients-- and in this week's episode? They're g…

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Quick Money Tip #26: How to NOT Pay off Credit Card Debt 34:17

1y ago34:17

34:17

Got credit card debt? You've probably heard of ways that work when paying off credit card debt, like the debt avalanche or debt snowball method, but what credit card debt payoff strategies should you avoid? Learn how to avoid common pitfalls when paying off credit card debt-- including debt consolidation loans, 0% transfer cards, and home refinanci…

1
Feeling Unfulfilled? Stop Hating Your Job with the Anti-Career Coach Danielle Roberts 48:55

1y ago48:55

48:55

Do you ever feel stuck in your career path and realize you don't like it? Maybe you're a nurse tired of being in nursing, but you feel like you have no skills outside of the nursing industry, or maybe you're in restaurant management, and you can't see a path outside the industry. In this week's episode-- Clo Bare Money Coach and Danielle Roberts ta…

1
Quick Money Tip #25: Fear and Inaction Around Money 33:10

1y ago33:10

33:10

How long have you been putting off opening an HYSA? Or learning how to invest? Do you feel like it's been something on your list forever, but for some reason, you can't seem to make it happen?? Well, let's talk about fear and overcoming the sometimes paralyzing impact of money fear. Fear can wield significant power over our lives, especially when i…

1
The (EXPENSIVE) Hidden Truth about Financial Advisors-- even Fiduciaries with Tess Waresmith 50:26

1y ago50:26

50:26

We've talked about the shady side of financial advising. Still, as you've heard on The Money Bare podcast-- if you're going to work with a financial advisor, we always recommend working with a fiduciary who is a Certified Financial Planner. But what happens when your fiduciary professional doesn't have your best interests in mind or, at the very le…

1
Quick Money Tip #24: Dealing with a Spending Frenzy & Big Clo Bare NEWS! 28:37

1y ago28:37

28:37

Ever get in a big spending frenzy where you just feel like spending all your cash? Clo Bare has-- in fact she's dealing with one now with her new move to San Diego. How do you mitigate these spending frenzies or shopping binges without completely breaking your budget? In this episode, Clo Bare talks about a few of the things she's doing to manage i…

1
Eliminate Your Medical Debt with Jared Walker from Dollar For 44:18

1y ago44:18

44:18

What if I told you that there's a secret law out there that could eliminate your medical bills or, at the very least, reduce them if you're below a certain income level? And the income level is higher than you'd think-- way higher. Sounds too good to be true, right? Well, it's not. It's a real thing, and Dollar For is spreading awareness about this…

1
Quick Money Tip #23: Should I pay off my credit card debt with my investments? 24:02

1y ago24:02

24:02

This week we have a special episode-- it's a listener write-in! We had a follower reach out and ask-- should I use my investments in my brokerage account to pay off my credit card debt? Clo Bare got the details of her budget, income, and more-- and is giving her opinion on what this listener should do. Related Episodes: Answering Your Money Questio…

1
What is enough? Behavioral Finance with Dawn Dahlby 30:00

1y ago30:00

30:00

What are some of the big mindset blocks folks face when nearing retirement? Surprisingly-- it's about recognizing when enough is enough. In this week's episode, we talk with Dawn Dahlby, CFP, BFA, CRPC, a certified financial planner, wealth wellness expert, and author of the upcoming book Live WELLthy™: Own Your Worth, Grow Your Wealth (Greenleaf B…

1
Quick Money Tip #22: Why You Don't Want an Adjustable Interest Rate Mortgage 19:12

1y ago19:12

19:12

An adjustable-rate mortgage, or ARM for short, is a home loan where the interest rate can change over time. This means that your monthly payment can go up or down depending on what happens to interest rates. That may be tempting with interest rates going up... but the problem with ARMs is that it can be hard to predict what your payment will be in …

1
Ending the Gender Pay Gap through Salary Negotiations with Meggie Palmer 1:07:47

1y ago1:07:47

1:07:47

We have all heard about the gender wage gap, but did you know it starts as early as 7 years old?! I certainly didn't, but Meggie Palmer, friend, and founder of PepTalkHer, breaks down the gender pay gap and gives us tips on how to negotiate our salaries and get paid more. Meggie founded PepTalkHer with the mission of closing the gender pay gap. The…

1
Quick Money Tip #21: Managing Inconsistent Income 17:44

1y ago17:44

17:44

Managing inconsistent income can be a challenging experience for many individuals, particularly freelancers, entrepreneurs, or those in the gig economy. However, with careful planning and budgeting, it is possible to maintain financial stability and peace of mind. In this week's episode, Clo Bare talks about how to manage inconsistent income so if …

1
Can you really write off your dog??? Breaking Down Instagram Tax "Advice" with Shannon Weinstein, CPA 57:54

1y ago57:54

57:54

We've all seen it-- tax advice on Instagram telling folks they can write off their dog as office security, or folks telling people to buy a g-wagon to write it off... but how does that stuff hold up with the IRS??? And what tax-saving tips should small business owners pay attention to? In this week's episode, Shannon Weinstein, CPA, breaks it down.…

1
Quick Money Tip #20: Dealing with Unexpected Medical Bills 23:05

1y ago23:05

23:05

Ever got a bill from a dentist or doctor that should've been 100% covered by your insurance? Welp, Clo Bare had that happen last week, and she's on a mission to burn it all down. Listen to how she is dealing with an unexpected medical bill and get a few tips on how to make sure you're never in that situation. What you'll hear in this episode: [0:20…

1
Building a Dome (and a Flower Pot!) Airbnb in Boise with Whitney Hansen from The Money Nerds 47:12

1y ago47:12

47:12

Ever thought about starting an Airbnb? Here's a way to do it that doesn't add to the housing crisis: Unique experiences and stays. Whitney Hansen, the host of The Money Nerds podcast, just built a dome in the woods and is now working on a new Airbnb project: A flower pot in the middle of a flower farm. Learn how to start your own unique Airbnb stay…

1
Quick Money Tip #19: 60/30/10 Budget Rule 22:40

1y ago22:40

22:40

Trying to build wealth quickly? Or maybe you have an aggressive savings goal and a short-time to do it? Then the 60/30/10 budget rule might be right for you. Clo Bare breaks it down, explains the pros and cons to help you determine if the 60/30/10 budget rule is right for you. Learn more about the budgeting rule: https://clobare.com/60-30-10-rule-b…

1
Millionaire by 27? Tyler Wright from Defining Wealth's Story 1:03:46

1y ago1:03:46

1:03:46

Tyler graduated college at 22 in 2015 with a $0 net worth. Still, over the next seven years, he raised his net worth to over $1.5 million by working in sales, learning as much as possible about personal finance and investing, investing in the stock market, and investing in real estate. In the past two years, his online brand, Defining Wealth, has g…

1
Quick Money Tip #18: The Financial and Investing Order of Operations 23:54

1+ y ago23:54

23:54

When deciding to finally get your money in order-- what do you start with? How do you decide what the first best thing to do is?? Do you start with an emergency fund or invest in a Roth IRA? In this week's episode, Clo Bare discusses the financial order of operations so that you can make the most of your money and achieve your financial goals. Clo …

1
Work Optional in Her 30s?! Shang from Save My Cents discusses Frugality & Investing in the Stock Market 46:24

1+ y ago46:24

46:24

Shang became able to 'work optional' at 31 through frugal living and investing in the stock market. These days, she educates thousands of Americans via Save My Cents to learn how to save and invest so that they can retire with dignity while also ensuring that mental health is built into the conversation about money. In this week's episode, Clo Bare…

1
Quick Money Tip #17: Habit Stacking Your Finances 20:01

1+ y ago20:01

20:01

Habit stacking, created by James Clear, adds a new habit to a habit you already have. It helps folks stick to a new habit because you're working it into habits already ingrained in your brain. How can habit stacking help with our financial habits? Listen to this week's episode with Clo Bare Money Coach to find out. Clo Bare Blog: clobare.com Find m…

1
Listener Questions: Love & Money, How to Overcome Money Obstacles in a Relationship 1:01:47

1+ y ago1:01:47

1:01:47

How should you split expenses as a couple? Should it be 50/50? Joint account or separate? Money can often create power dynamics within a relationship, especially if one partner earns significantly more than the other. We discuss how to manage these imbalances and maintain equality within the relationships, and we answer listener write-ins about lov…

1
Quick Money Tip #16: Establishing Money Boundaries with Friends 23:00

1+ y ago23:00

23:00

Feeling like you can't catch up with your money goals because you're always spending to please friends or socialize? Let's talk a bit about money boundaries with friends, what to say, how to establish those boundaries-- and how to get a little more vulnerable. Clo Bare Blog: clobare.com Find me on social media at @clobaremoneycoach Please rate and …

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