The Working Budget Podcast

The Working Budget Podcast explores the real money stories, financial habits, and life lessons that shape everyday people. Hosted by Jabez Roberts, each episode features normal day-to-day people, entrepreneurs, professionals, creators, and financial experts sharing practical insights on budgeting, saving, investing, debt, career growth, business, and building long-term wealth. Whether you're just starting your financial journey or looking to improve your money management, The Working Budget delivers honest conversations and actionable advice to help you make every dollar work harder.

The Working Budget Podcast is a business podcast hosted by Unknown Host, with 11 episodes on record and a Required Pod Score of 80.

Unknown Host hosts The Working Budget Podcast, a business show with 11 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #8

  #8 Why Replacing Your Mortgage With A First-Lien HELOC Is A Good (or Bad) Idea with Anthony Rushing

  Sep 4, 202647 minS1

  Hire My Company To Launch Your Business Online Faster: https://www.grow.zeilhan.com/get-started Hire My Company For Bookkeeping & Financial Services: https://perugipartners.com/get-started FREE Website Templates & Marketing Resources: https://zeilhan.com/free-website-files/ All Links: https://linktr.ee/zeilhan Welcome to Episode 8 of The Working Budget Podcast. Today I’m joined by Anthony to talk about first lien HELOCs and a strategy many people call velocity banking. This is a different kind of mortgage product that works nothing like a traditional amortized loan. In this conversation we break down exactly what a first lien HELOC is, how money flows in and out of it, how interest is calculated, and why some homeowners are using it to pay off their homes in as little as five to eight years while saving large amounts in interest. We also cover who this product is a good fit for and who should stay away from it. Anthony is very clear: it only works for households that already live below their means and have consistent cash flow surplus. It is not a solution for people who are tight on their budget or struggling with spending. You’ll learn: The two main differences between a first lien HELOC and a regular mortgage How the velocity banking strategy actually works day to day Why dumping all your income into the HELOC and only pulling out what you need can accelerate payoff Realistic examples with numbers What happens when life throws a curveball (job loss, death of a spouse, unexpected expenses) How the available credit can act as a buffer compared to a traditional mortgage Whether you can refinance out of a first lien HELOC later How to evaluate if this is right for your situation If you already make more than you spend and you’re looking for a smarter way to attack your home loan, this episode will give you a clear, practical understanding of the option. Resources mentioned: firstlienheloc.com (education site, calculator, and booking a call) Business Growth & Marketing: https://www.youtube.com/@UCjK0TaBO3ItPLctvfpbmqkQ Bookkeeping, Accounting & Business Finance Services: https://www.youtube.com/@UCF8ePAc-OdqO7Wh5WmD9xyw Jabez Roberts YouTube channel: https://www.youtube.com/@JabezRoberts @JabezRoberts ✉️ Contact me: jabezroberts@proton.me #WorkingBudget #FirstLienHELOC #VelocityBanking #MortgagePayoff #PersonalFinance #HomeLoans #FinancialLiteracy Chapters 00:00 Intro & What Is a First Lien HELOC? 00:53 How It Differs from a Traditional Mortgage 02:35 Velocity Banking Strategy Explained 04:28 Who This Product Is For (and Who It’s Not For) 07:42 The Importance of Consistent Cash Flow Surplus 12:46 How the Strategy Works in Practice 17:50 Simple Number Examples (Tight Budget vs Surplus) 21:20 Why a Higher Rate Can Still Cost Less Overall 26:13 What Happens When Life Goes Wrong 31:43 Available Credit as a Buffer 36:03 Maxing Out and Foreclosure Risk 40:00 Can You Refinance Out of a First Lien HELOC? 42:05 How to Learn More and Book a Call 46:27 Closing Thoughts

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  Episode #7

  #7 You Spend or Save & Love or Hate Money Because of This with Doug Lynam

  Sep 2, 202655 minS1

  Hire My Company To Launch Your Business Online Faster: https://www.grow.zeilhan.com/get-started Hire My Company For Bookkeeping & Financial Services: https://perugipartners.com/get-started FREE Website Templates & Marketing Resources: https://zeilhan.com/free-website-files/ All Links: https://linktr.ee/zeilhan Welcome to Episode 7 of The Working Budget Podcast. Today I’m joined by Doug Lynam, a former monk and Marine who is now an investment adviser and author. His path has given him a unique perspective on money, psychology, and what really drives our financial decisions. In this conversation we dive into the Enneagram and how childhood money patterns shape the way we earn, spend, save, and give. Doug explains why smart people often make the same money mistakes and how understanding your personality type can help you break those cycles. We discuss: The three most important life lessons he has learned How the Enneagram reveals the lens through which you see money Childhood money wounds and the four fear responses (fight, flight, freeze, fawn) The nine personality types and their unique “money monsters” Anxious vs avoidant relationships with money Real examples of couples and individuals who transformed their finances Practical steps to name and tame your money patterns The four pillars of finance: earning, saving, investing, and giving If you’ve ever struggled to stick to a budget, overspent, avoided looking at your numbers, or felt anxiety around money, this episode will help you understand the deeper reasons why and what you can do about it. Doug’s book is Taming Your Money Monster: Nine Paths to Money Mastery with the Enneagram. Business Growth & Marketing: https://www.youtube.com/@UCjK0TaBO3ItPLctvfpbmqkQ Bookkeeping, Accounting & Business Finance Services: https://www.youtube.com/@UCF8ePAc-OdqO7Wh5WmD9xyw Jabez Roberts YouTube channel: https://www.youtube.com/@JabezRoberts ✉️ Contact me: jabezroberts@proton.me #WorkingBudget #MoneyMindset #Enneagram #FinancialPsychology #PersonalFinance #MoneyMonsters #Budgeting Chapters 00:00 Intro & Doug’s Unusual Path 00:42 Three Most Important Life Lessons 01:30 The Enneagram Explained 06:00 Childhood Money Patterns and Fear Responses 09:05 How Personality Types Form Around Money 14:50 Type Three Example: The Achiever and Money 18:00 Anxious vs Avoidant Attachment to Money 21:20 What to Do Once You Identify Your Patterns 23:30 Real Client Stories and Transformations 29:00 The Hoarder / Miser Pattern and Type Five 35:00 Quick Overview of Other Types and Their Money Monsters 48:00 Can You Move Between Types? 51:00 The Four Pillars of Finance 53:00 Closing Thoughts and How to Connect with Doug

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  Episode #6

  #6 How AI Will Impact Your Income, Safety and Future with Alberto Artasanches

  Aug 31, 202657 minS1

  Hire My Company To Launch Your Business Online Faster: https://www.grow.zeilhan.com/get-started Hire My Company For Bookkeeping & Financial Services: https://perugipartners.com/get-started FREE Website Templates & Marketing Resources: https://zeilhan.com/free-website-files/ All Links: https://linktr.ee/zeilhan Welcome to Episode 6 of The Working Budget Podcast. Today I’m joined by Alberto Arta Sanchez, six-time author and data scientist with over 30 years of experience. He arrived in the United States with just $200 and a one-year scholarship. He left college with no student loans and went on to build four companies across real estate, finance, and technology. In this conversation we talk about practical financial lessons from his journey and how to prepare for a world that is changing fast. We discuss: How he went from $200 and a scholarship to financial success Why his father’s push forced him to hustle early Choosing computer science over civil engineering and avoiding student debt Smart paths through college that reduce or eliminate loans Whether traditional degrees still make sense How AI is already changing jobs, productivity, and the value of skills Preparing financially for disruption, rising costs, and uncertain times Why financial literacy and saving still matter no matter what the future holds Whether you’re a student, entrepreneur, or just trying to get ahead in a tough economy, this episode is packed with real talk about money, opportunity, and staying prepared. Business Growth & Marketing: https://www.youtube.com/@UCjK0TaBO3ItPLctvfpbmqkQ Bookkeeping, Accounting & Business Finance Services: https://www.youtube.com/@UCF8ePAc-OdqO7Wh5WmD9xyw Jabez Roberts YouTube channel: https://www.youtube.com/@JabezRoberts ✉️ Contact me: jabezroberts@proton.me #WorkingBudget #FinancialLiteracy #StudentLoans #AI #Entrepreneurship #MoneyMindset #CareerAdvice Chapters 00:00 Intro & Welcome to Alberto 01:19 Life in Mexico and Why He Came to the US 03:19 The Biggest Gift: Being Pushed Out of the Comfort Zone 04:21 College, Scholarships, and Zero Student Loans 05:11 Studying Computer Science and the Pivot from Engineering 06:07 Student Debt, Passion vs Practical Degrees 08:03 College Degrees Losing Value and Where the Jobs Are Going 10:14 Are Blue-Collar Jobs Safe from AI? 12:05 Universal Basic Income and the Future of Work 16:11 Bringing It Back to Finances and Real Disruption 22:36 Rising Costs, Stagnant Wages, and How to Survive 34:05 Has AI Been a Net Positive So Far? 37:31 Control, Power, and Who Really Benefits 41:08 Capitalism, UBI, and What Comes Next 52:04 Final Advice: Financial Independence in Uncertain Times 55:43 Closing Thoughts and Guest Recommendations

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  Episode #5

  We Are In Debt Because Schools Teach Calculus Not Financial Literacy | The Working Budget E5

  Aug 10, 202650 minS1

  Hire My Company To Launch Your Business Online Faster: https://www.grow.zeilhan.com/get-started Hire My Company For Bookkeeping & Financial Services: https://perugipartners.com/get-started FREE Website Templates & Marketing Resources: https://zeilhan.com/free-website-files/ All Links: https://linktr.ee/zeilhan Welcome to Episode 5 of The Working Budget Podcast with Amanda Cassar. From living paycheck to paycheck and a humiliating moment at Subway with her second child, Amanda Cassar went on to become a financial planner and now helps people take control of their money. In this episode, we discuss financial literacy, limiting money beliefs, practical budgeting, avoiding lifestyle creep, financial abuse in relationships, life insurance, aged care planning, and having honest money conversations in marriage. You’ll learn: Why most people were never taught financial literacy How childhood beliefs shape your money habits Budgeting when income is irregular Preventing lifestyle creep after a pay rise Recognizing financial abuse Life insurance, prenups & planning for aging parents Business Growth & Marketing: https://www.youtube.com/@UCjK0TaBO3ItPLctvfpbmqkQ Bookkeeping, Account & Business Finance Services: https://www.youtube.com/@UCF8ePAc-OdqO7Wh5WmD9xyw ✉️ Contact me: jabezroberts@proton.me #personalfinance #FinancialLiteracy #DebtFree #MoneyMindset #FinancialAbuse #LifeInsurance Chapters 00:00 Intro 03:00 The importance of financial literacy 06:20 Childhood money beliefs & mistakes 08:02 This Experience At Subway Changed Everything 10:28 Know your real numbers 14:55 Avoiding lifestyle creep 17:59 Real stories of financial transformation 20:56 What is financial abuse? 28:03 Protecting yourself financially in relationships 35:40 Life insurance & aged care planning 47:01 Final advice: Invest in yourself

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  Episode #4

  Finally Debt FREE! $58,000 Debt Paid In 2 Years | The Working Budget Ep 4 with Karlesha Hewitt

  Aug 3, 20261h 1mS1

  Hire My Company To Launch Your Business Online Faster: https://www.grow.zeilhan.com/get-started Hire My Company For Bookkeeping & Financial Services: https://www.perugipartners.com/get-started Download the FREE Website Templates & Marketing Strategies: https://zeilhan.com/free-website-files/ More Resources & Links https://linktr.ee/zeilhan NEED A WEBSITE FOR YOUR BUSINESS? We help entrepreneurs and service businesses build websites, marketing systems, automation, and growth strategies that generate more leads and customers. https://zeilhan.com/online-business-success/ Welcome to Episode 4 of The Working Budget Podcast. If you've ever felt overwhelmed by debt, living paycheck to paycheck, or wondered how someone making good money can still struggle financially, this episode is for you. Today I’m joined by Karlisha Hewitt, a practicing attorney and financial literacy educator who went from $58,350 in debt (including 7 maxed-out credit cards, car loan, furniture loan, and pension loan) to completely debt-free in just two years while single and living in expensive New York. Karlisha shares her raw journey of financial awakening, the dangerous minimum payment trap, and the exact steps she took to transform her finances through intentional budgeting, increasing her income, and shifting her money mindset. This conversation goes far beyond debt payoff. We discuss practical financial literacy every professional and young adult needs, including credit card rules, lifestyle changes without misery, side hustles, saving, investing, and building long-term wealth. You’ll learn: Why minimum payments keep people trapped in debt The 30% credit card rule most people ignore How to increase income and cut expenses effectively Zero-based budgeting vs 50/30/20 The power of emergency funds and high-yield savings Why life insurance is for everyone (not just the wealthy) Term vs Permanent life insurance explained Mindset shifts that create lasting financial freedom Whether you're an attorney, young professional, entrepreneur, or simply tired of financial stress, this episode delivers honest, actionable advice you can start using immediately. Thank you for supporting The Working Budget Podcast on Patreon. Your support allows us to continue producing educational conversations that help people improve their finances, reduce debt, and build real wealth. 00:00 Intro & Sponsor 00:50 Carlisha’s $58K Debt Story – Maxed Cards & Minimum Payments 03:00 The Wake-Up Call: Discovering Financial Literacy 06:20 Why Minimum Payments Are Dangerous 08:50 The 30% Credit Card Rule Most People Ignore 11:30 How She Paid Off $58K in 2 Years (Income + Expenses) 15:40 Side Hustles: DoorDash, Freelance Editing & Poetry 19:10 Budgeting Before vs After – The Big Mindset Shift 23:30 Cutting Expenses Without Killing Your Lifestyle 28:00 Saving, Investing & Building Wealth 32:40 Why Everyone Needs Life Insurance (Even Young People) 38:20 Term vs Permanent Life Insurance Explained 44:00 The 50/30/20 Rule & Zero-Based Budgeting 48:30 Top Financial Literacy Lessons & Books 52:00 Final Message: Every Little Bit Adds Up - Start Now!

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