rich & REGULAR with Kiersten and Julien Saunders

If talking about credit makes you anxious, confused, or just flat-out annoyed… you're not alone. In this episode, we break down the truth about credit scores and reports: what they are, how they work, the most common myths people believe, and why it’s time we stop treating credit like a moral compass.

Whether you’re building credit for the first time, trying to bounce back from a rough patch, or just wondering why your score di...

This episode is sponsored by NordProtect. To save up to 59% on annual plans for NordProtect visit https://nordprotect.com/richandregular and use code RICHANDREGULAR

This week, we’re breaking down three money identities we’ve seen over and over again. None of these are “good” or “bad,” they’re more like energies, instincts, patterns we’ve all lived at some point. And just like a horoscope, you might recognize yourself in all of them.

...

If budgets are supposed to keep us on track, why do so many of them make us feel stuck instead? In this episode, we talk about why the most common advice fails and what actually works when life keeps changing.

The problem with budgets isn’t discipline, it’s design. Most advice assumes your income, expenses, and goals stay the same forever. Ours doesn’t, and neither should yours.

We get into:

• Why the “stick to your budget no matter...

What if retirement wasn’t a one-time event at the end of a long career, but a rhythm you could build into your life right now?

In this episode, we're joined by the brilliant Jillian Johnsrud, whose new book Retire Often flips the script on traditional retirement. Instead of waiting 40 years to enjoy life, Jillian makes the case for taking intentional mini-retirements throughout your career by taking one month off every couple o...

This week we’re celebrating our 10 year anniversary by sharing some lessons about money, partnership, and staying excited about the long game.

10 years of marriage isn’t just a milestone, it’s a record of every choice you made together, from buying a house to splitting a check to deciding who’s unloading the dishwasher. Some of those choices aged well. Others? Let’s just say they came with late fees.

In this episode, we get into:

• ...

Some seasons of life are defined by money, and not in a good way. Those years test your patience, your relationships, and your identity. But they can become turning points and leave lessons that last long after the struggle is over.

This week, we're talking about the kind of year that stretches everything. When progress feels invisible and the usual advice doesn’t cut it, it’s easy to lose momentum or give up entirely. We’ve be...

Most people only invest for retirement through their employer plan, which means if that plan is weak, your future could be too. But how do you actually know if it’s bad, or if you just don’t understand it yet?

In this episode, we break down the three biggest signs your employer plan might be holding you back, and what to do about it.

We’ll get into:

• Why some 401(k) fund menus feel like a restaurant with no good options (and how to...

Groceries in 2025? Whew. Let’s just say…it ain’t pretty. Prices are still climbing, shrinkflation is in full effect, and Americans are still wasting almost 40% of the food we buy. Add tariffs and supply chain pressures on top, and it feels like we’re paying more, getting less, and throwing too much of it away.

The good news is you don’t have to stay stuck in the cycle. In this episode, we’re breaking down 4 real-world strategies to ...

👉 Catch us co-hosting the Merging into Life podcast with AAA Northeast! The first 2 episodes are live now, and you can listen on Apple Podcasts or here 👈

This week we’re pulling the curtain back on a topic that rarely gets talked about honestly, whether private school is actually affordable… even if you can technically write the check.

We’re not here to shame anyone’s choices. But if you’ve ever wondered whether that tuition bill i...

We’ve been managing money together for almost a decade, and we’re still learning how to do it better. This episode is part relationship therapy, part financial strategy, and all the things we wish more couples talked about out loud.

We’re talking about what it really takes to handle money together in a way that works for both people. Because most couples don’t need to watch each other’s every move, they just need to feel confident t...

A lot of people are feeling financially squeezed right now, and they’re blaming everything except their car.

Transportation is one of the top three household expenses. Between longer loans, higher interest rates, pricier insurance, and cars that lose value faster than ever, owning a car has gotten way more expensive in the last few years. 

And yet most of us still treat the car note like it’s untouchable…like it just is what it is.

In...

We all want a raise, but what if you didn’t have to wait for your boss to give you one?

In this episode, we’re breaking down how to actually give yourself a raise without changing jobs, negotiating with HR, or picking up a side hustle. From canceling forgotten subscriptions to rethinking professional services, we're exposing the cash leaks hiding in plain sight and showing you how to reclaim money that's already yours.

If y...

When we published our book Cashing Out in 2022, we knew we were making bold claims about work, money, and freedom. What we didn’t know was just how fast the world would catch up to them.

In this episode, we revisit our book 3 years after its release to reflect on the stories, predictions, and uncomfortable truths that still hold up in 2025. We also share what we’ve learned since, and why the book continues to resonate with people ac...

This week’s episode is a rare one that we recorded the same day it’s released, because… well, life is happening fast.

After taking a much-needed break, we returned to headlines that changed the tone of the summer and the temperature of the market. In this episode, we’re talking about how to manage your investments during times of global instability and uncertainty. This isn’t advice or hype, it’s our perspective, grounded in history...

Youth sports are not just sports anymore. They’re a $40 billion+ industry and in this episode, we’re getting all the way into it. 

We’re talking about the emotional pressure, the social expectations, the team group chats, the $75 photo packages that somehow still exist in 2025, and why nobody tells you the signup fee is just the beginning. Whether you're new to the world of cleats and concession stands or already halfway throug...

In this episode, we’re talking about how to know when it’s REALLY time to go. Not when your manager makes it unbearable, not when the reorg finally hits, but when YOU decide that staying is costing more than it’s worth.

We break down the three questions that have helped us walk away from “good” jobs and build a better life on the other side. We talk about what your job is teaching you (even when you’re not paying attention), how to ...

Most money advice assumes you’re either bad at math or just need more discipline, but what if the real reason your budget isn’t working is because it was never designed for how you actually spend?

In this episode, we revisit a section from our book Cashing Out that recently got new life thanks to a great piece written by our friend Leo Aquino for Business Insider. It’s all about the three emotional spending profiles we’ve seen over ...

Every year, we set aside an episode just for new grads, and this year’s version is an evolved view of last year’s advice to “Get Paid”. Because let’s keep it a buck, the Class of 2025 is graduating into a mess.

The job market is weird, AI is replacing entry-level work, internships aren’t converting, and employers say they’re hiring, but for what? Meanwhile, everything is expensive and everyone online is yelling about branding yourse...

Sometimes you need a little extra money, but what you don’t need is another boss, a second shift, or a business plan you’ll never finish. In this episode, we’re walking through some of the most overlooked ways to earn extra income. Everything from plasma donation, junk hauling, voiceovers, waiting in line, and a few others I can’t put in the description without attracting a bunch of bots. 

We’re challenging the idea that income only...