The Piggy Bank Patrol

著者： Crystal and Lanea
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  • サマリー

  • Two millennial mom's talking dollars and cents. Helping parents get real about their finances and navigate tough conversations to break generations of secrecy to make a better future for their children.
    Crystal and Lanea
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  • Episode 8 - Setting Realistic Financial Goals

    Episode 8 - Setting Realistic Financial Goals
    2024/09/26

    Summary

    In this conversation, Crystal and Lanea discuss their approaches to budgeting, financial goals, and the challenges of managing finances as new parents. They explore the effectiveness of different budgeting systems, the importance of setting realistic goals, and the dynamics of financial planning within a partnership. They talk about the significance of emergency funds, planning for future expenses, and the balance between enjoying life and maintaining financial stability.


    Takeaways

    • Writing down goals can help clarify financial objectives.
    • Switching budgeting systems can lead to better cash flow tracking.
    • SMART goals may not be effective for everyone.
    • Regular financial reviews can help keep goals on track.
    • Emergency funds provide security during uncertain times.
    • Teamwork in finances requires open communication and shared goals.
    • Quarterly planning helps adjust strategies based on life changes.
    • Balancing expenses with celebrations is crucial for financial health.
    • Long-term financial goals should be revisited regularly.
    • Finding a remote job can enhance work-life balance.


    Sound Bites

    "I find it interesting that you started recently writing down your goals."

    "I personally don't believe in SMART goals."

    "We haven't even touched our emergency fund."


    Keywords

    budgeting, financial goals, cash flow, emergency fund, SMART goals, team finances, quarterly planning, long-term goals, financial independence, money management
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    32 分
  • Episode 7 - American Childcare Crisis

    Episode 7 - American Childcare Crisis
    2024/09/19

    Summary

    Lanea and Crystal delve into the pressing issues surrounding childcare, focusing on the exorbitant costs, the challenges of finding quality care, and the financial burdens faced by parents. They discuss the inadequacies of government policies and compare the US childcare system to those in other countries, highlighting the need for systemic change. They emphasize the broader societal impacts of childcare issues, affecting not just families but communities as a whole.

    Takeaways

    • The total credit card debt in the US has reached a trillion dollars, exacerbating financial strain.

    • Affordable childcare options are scarce, with many families struggling to find suitable care.

    • Government policies on childcare are inadequate and need reform.

    • Countries like Canada, Germany, and the UK have better support systems for parents.

    • The US lacks standardized childcare subsidies and paid parental leave.

    • Childcare issues impact not just families but the broader community.

    • The current system is unsustainable for many families, leading to financial distress.

    Sound Bites

    "Over 50% of respondents are paying more than $1,500 a month."

    "35% of parents are saying that they have to depend on their savings."

    "91% reported making major sacrifices just to afford childcare."


    Keywords

    childcare, costs, quality care, government policies, parental leave, financial burden, daycare, childcare crisis, family support, global comparison
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    21 分
  • Episode 6 - Returning to Work vs Staying Home After Baby

    Episode 6 - Returning to Work vs Staying Home After Baby
    2024/09/12
    Summary Crystal and Lanea discuss the challenges and decisions faced by parents when it comes to balancing work and childcare. The workload and division of responsibilities between partners, the impact on career growth and retirement savings, the high cost of childcare, and the importance of job flexibility and a supportive work environment are all discussed. They touch on the emotional and mental health aspects of returning to work and the decision of how much time off to take before and after having a baby. The conversation discusses the lack of paid parental leave in Nebraska and the challenges faced by working parents. It highlights the unethical loophole that allows employers to count flexed and sick time against FMLA leave, resulting in less time parents can have with their newborns. The speakers share their personal experiences with unpaid leave and the difficulties of finding affordable and trustworthy childcare options. They also discuss the importance of choosing an employer that offers supportive policies and the impact of career decisions on long-term goals. Keywords work-life balance, childcare, workload division, career growth, retirement savings, cost of childcare, job flexibility, supportive work environment, emotional health, mental health, time off, paid parental leave, Nebraska, FMLA leave, unethical loophole, unpaid leave, childcare options, supportive employer, career decisions Takeaways • Sharing the workload and having a mutual agreement on childcare responsibilities is crucial for a healthy relationship. • The cost of childcare can be significant and may impact the decision to return to work. • Consider the long-term effects on career growth and retirement savings when deciding on taking time off. • Job flexibility and a supportive work environment can greatly influence the decision to return to work. • The emotional and mental health aspects of returning to work should be taken into consideration. • Knowing your numbers and running the financial calculations can help make an informed decision. • The lack of affordable and accessible childcare options is a major challenge for many parents. • Family support and alternative methods of childcare may not always be feasible. • The decision of how much time off to take before and after having a baby is a personal one and should consider individual circumstances and preferences. Nebraska does not offer paid parental leave, leaving many working parents without financial support during their time off. • Lanea and Crystal highlight the unethical loophole in Federal legislation that allows employers to deny FMLA leave to employees who have flexed out against their leave. • Finding affordable and trustworthy childcare options is a major challenge for working parents. • Choosing an employer that offers supportive policies and benefits is crucial for working parents. • Career decisions after having a baby should consider long-term goals and the impact on future opportunities. Sound Bites "There's some resentment now because of it." "You can't do everything yourself." "Women in general are taking on over 70%" "It is sheer unethical and I know that when that happened, I read the federal law and that's the loophole. And I don't think ethically that it should be a loophole. There should be some type of additional paragraph adjacent to whatever section it is, that line loophole out and fix the wording because that is just sick. It is absolutely sick." "It's disgusting that you want to take time, unpaid time away from people spending time with their kids. It's disgusting."
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    47 分

あらすじ・解説

Two millennial mom's talking dollars and cents. Helping parents get real about their finances and navigate tough conversations to break generations of secrecy to make a better future for their children.
Crystal and Lanea
個人ファイナンス 経済学
続きを読む 一部表示

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