The 3rd Decade Podcast
Join us as we invite various individuals to share philosophies on personal finance, helpful tips for navigating saving and investing, and other finance related topics.
Episodes
Nikita & Joe'Mar discuss the importance of solid financial planning when it comes to having or starting a family. Each brings their own perspective (Nikita: inviting 2 new members for the first time; Joe'Mar: having 2 older children).
In this episode, they discuss:
- Short & long-term goal setting
- Values-based budgeting
- Tracking income & expenses, and adjusting when needed
- Different levels of mixed finances
- Reduci...
Nikita & Joe'Mar demystify life insurance by discussing what type of policies are out there, as well as which policies to avoid.
Furthermore, this episode covers:
- What factors affect your premiums
- How to find a good insurance company
- Calculating the amount needed for a policy
Resources:
Life Insurance Calculator (Spreadsheet)
Life Insurance Calculator (Bankrate Online Calculator)
In this solo episode, Nikita covers the basics of stocks & bonds; how they are traded & the relative risks associated with investing in them.
If you already understand the basics of investing, consider sharing this podcast with a friend or family member who could use a little primer.
Join Nikita for a conversation with Diana, the founder of All The Colors. Diana is a CFP© and Registered Life Planner™, and uses her personal values to drive her work as a money coach to financially empower others, with a particular focus on supporting women of color who are entrepreneurs.
Join Nikita for a conversation with 3rd Decade Alumni, Kyle Mittan, on a discussion around his history with budgeting (or lack thereof) and how he became the diligent budgeter that he is today. We hope if you've been procrastinating on using a budget that this episode inspires you to get started.
Some resources if you're interested in YNAB include:
- YNAB's YouTube Channel
- The "Get Started" Playli...
Join 3rd Decade Alumni, Rose (she/her) & Nikita (she/her) for a heartfelt conversation around the positive impact that budgeting has had in Rose's life.
As a former "checking-balance-budgeter", Rose shares how building this habit into her life has actually allowed her to think less about money, and has also enabled her to support the causes near to her heart and create a meaningful impact.
For anyo...
In today's episode, Nikita speaks with Mary Cantor & Jacob Wingate, two of 3rd Decade's Alumni, on the financial transitions that come with marriage. Merging two adult's financial lives can be a significant challenge in a new marriage. Mary and Jacob share openly about their individual financial upbringings, how that impacted their relationship with money in adulthood, and ultimately what they've done to com...
3rd Decade Alum, Sarah Ventre, shares in detail how she hustled her way through unpaid internships & temp jobs in her 20s and ultimately built herself a successful career in the audio journalism and production industry. If you need inspiration or someone to relate to if you're currently walking that path, look no further.
To find more of her work, you can visit her website at sarahventre.com
Join Nikita & Nina as they discuss the many factors to consider when determining what car to buy (and whether to seek a new or used car).
When making a purchase, it's essential to weigh the pros and cons of both options to ensure that you make the right decision for your needs and budget. We'll give you some guidelines to determine what you can afford, as well as some thoughts on how your values, needs, and ...
Join Nikita & Nina (3rd Decade's Arizona Serve VISTA Program & Operations Coordinator) as they discuss alternatives to a 4-year degree after high school.
In this episode, they discuss:
- # of Americans affected by student loans
- Alternative paths into college (community college)
- Tech Schools
- Work alternatives
- AmeriCorps
- & more workplace readiness items
In this episode, Nikita discusses how our upbringing informs our money mindset, and ways that (if this is holding us back), we can use budgeting to help us improve it. She goes over 5 different methods for budgeting, and speaks personally on value-based spending as well, and how budgets can serve as a way to give ourselves the permission to spend when we tend to save every penny out of anxiety.
To respond directly to anyt...
In this episode, Nikita covers all the basics of understanding investing. Many people struggle to differentiate different account names and tax treatment. This is a great starting place to build a solid foundation in your investment knowledge.
Topics covered:
- What we consider "investing for retirement"
- Account types (401(k), 403(b), 457(b), IRA, Roth IRA)
- Tax-treatment (Roth vs. Traditional)
- General guidelines fo...
Join Nikita for this mini-episode on choosing the college that's right for you. In this episode, she discusses different factors to consider when making your selection. Including things like: college credentials, networking, location, cost, resources, and more.
Nikita Wolff is joined by 3rd Decade graduate, Leroy Adams, to discuss how he's changing generational money habits within his own family. Throughout this episode, they discuss:
- Leroy's background
- Expensive mistakes
- How he's tackling these conversations
- Overcoming shame
- Tips on getting started
- & a lot in-between!
Nikita Wolff is joined by Cayla Vertreese, a 3rd Decade graduate, and a 21 year old recent graduate of Northwest Missouri State University. Cayla received her Bachelors in Human Services and Minor in Psychology. Following her college graduation in May of 2021, she moved to Mesa, Arizona where she currently works for Mindfulness First, a nonprofit that offers scientifically-informed programs based on trauma-informed Mindful Awarene...
Nikita is joined by Co-Hosts Mary Rossi & Nolan DiFrancesco from Your World, Your Money, a podcast produced by the Global Thinking Foundation, which is a nonprofit focused on building a world free from economic abuses, where accessible, informed, and equitable economic participation is available to all.
In this episode, we cover:
- How economic abuse is defined
- Who we see suffering from it most commonly
- Ways this might ...
Nikita is joined by Co-Hosts of Black & Brown Make Green Podcast, Natasha & Damian Carrillo. In this episode, we learn more about their own finance story, talk about what generational wealth can mean, and discuss how to talk to your children about finances.
Joe'Mar Hooper is 3rd Decade's new Executive Director. He joins our team with 20 years of leadership experience in government and the non-profit sector. In his role with 3rd Decade, he will be charged with overseeing the delivery of 3rd Decade's mission, while ensuring the overall health of the organization.
Together, Joe'Mar & Nikita discuss his journey here, the vision he has for 3rd Decade, an...
Welcome to Season 2!
Join our new host Nikita Wolff & Co-Worker Nicole as they discuss behavioral finance; particularly what the main components of it are and how we can avoid falling into common psychological traps.
In this episode, they discuss:
- Mental Accounting
- Herd Behavior
- The Emotional Gap
- Anchoring
- Self-Attribution
- Confirmation Bias
- The Relativity Trap
- Irrational Exuberance
- The Superiority Trap
Join Scott Bennett & Jennifer Edwards as they discuss some of the expected changes with PSLF (Public Service Loan Forgiveness).
In this episode, they go over:
- Who this does and doesn't apply to.
- The types of loans that can apply for PSLF.
- What the specific (positive) changes are.
This is the final episode in this season, as well as Scott Bennett's final podcast episode as our host, as he is embarking on...
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