Raggedy Ass Rich

Living paycheck to paycheck is not just a “low income” problem, and that’s exactly what makes it such a trap. In this episode of RaggedyAssRich, we talk about why so many people are making more money but still feel broke, how lifestyle inflation and debt keep the cycle going, and what actually helps break it. From building a first emergency buffer to giving every dollar a job, this is a real conversation about creating breathing ro...

Insurance is supposed to protect you, but it’s also one of the easiest places to waste money if you don’t understand what you’re buying.

In this episode, we break down the types of insurance most people encounter and talk honestly about which ones are essential, which ones are situational, and which ones are often oversold or misunderstood.

This is not about fear-mongering or selling policies. It’s about understanding risk, p...

Credit scores control more of your life than most people realize. Yet almost nobody explains how they actually work in plain language.

In this episode, we break down what credit scores really measure, what they don’t, and why so many people feel stuck even when they’re “doing everything right.” We talk about how credit scoring is designed, how it rewards certain behaviors, and why it often punishes people for being poor, not irr...

You don’t need a logo. You need a CLIENT.

This episode is for anybody trying to build income without a big budget, rich parents, or a “startup fantasy.”

We’re getting practical about:

what you actually need to start (skill, contact method, payment method, first client)

how to find your first clients for free

pricing without undercharging yourself into misery

separating business vs. personal money

taxes (yes, s...

Everyone loves the idea of the soft life. Slow mornings, peaceful homes, self-care routines, and ease. But let’s be honest… That lifestyle costs money.

In this episode of RaggedyAssRich, we break down the real financial cost of the soft life, why social media makes it look effortless, and how chasing the aesthetic without a plan can lead straight to debt and burnout.

We talk about:

What the “soft life” actually costs in re...

Money will expose the cracks in a relationship FAST.

In this episode, we talk about the stuff people avoid until it’s too late:

• when to have “the money talk” (sooner than you think)

• how to bring it up without turning it into a fight

• financial compatibility vs. financial control

• merging finances vs. separate vs. hybrid (what usually works best)

• setting boundaries with family (without guilt eating you aliv...

You don’t need rich parents to invest. You need a starting point.

In this episode, we’re breaking down investing in plain language for people who weren’t born into money:

• how compound interest actually works

• where to start (401(k), IRA/Roth IRA, index funds, ETFs, robo-advisors)

• how much you really need (spoiler: not thousands)

• the biggest mistakes beginners make (timing the market, panic-selling, “I’ll start later”)

• when inves...

Debt isn’t just personal. It’s systemic.

In this episode of Raggedy Ass Rich, we take a hard look at how debt is designed to keep people stuck, and why so many smart, responsible people end up trapped by credit cards and student loans.

We talk about:

How debt is structured to benefit lenders, not borrowers

The difference between “good debt” and “bad debt,” and when even good debt becomes dangerous

How credit cards q...

Side hustles are sold as the solution to everything, but they’re not always helping.

In this episode of Raggedy Ass Rich, we break down the truth about side hustle culture: when it actually makes sense, and when it’s quietly burning you out.

We talk about:

Why needing a side hustle to survive is a systemic failure, not a flex

How to tell if a side hustle is worth your time, or stealing it

The difference between skill-buildin...

Everyone wants generational wealth, but nobody wants to talk about the generational curses that come first.

In this episode of Raggedy Ass Rich, we dig into the money beliefs passed down through families and how they quietly keep people stuck in survival mode.

We talk about:

• What generational curses actually look like with money

• Toxic beliefs like “we’ll always be poor” and “money is evil”

• Why silence around money be...

In this episode of Raggedy Ass Rich, we break down the difference between a spending problem and an income problem, and why so many people are blamed for being “bad with money” when the real issue is not making enough to survive.

We talk about:

Why budgeting only works if you have money left after necessities

How low wages, rising rent, childcare, and healthcare create financial traps

Why being broke isn’t al...

Everyone calling themselves a “financial guru” is not an expert, and some of them are straight-up scamming.

In this episode of RaggedyAssRich, we break down the biggest red flags to watch for when it comes to money coaches, wealth gurus, and “get rich quick” sellers. From fake lifestyles and high-pressure sales tactics to unrealistic income promises, we’re talking about how scams actually work, and why they target people who are alr...

We all lie to ourselves about money. Not because we’re stupid or irresponsible, but because nobody taught us how to talk about it honestly.

In this first episode of Raggedy Ass Rich, I’m breaking down the biggest money lies we repeat that keep us stuck, stressed, and second-guessing ourselves:

“I’ll start saving next month.”

“I’m just bad with money.”

“I don’t need to look at my bank account.”

“I deserve it” (as an excuse for spendi...