Savvy Budget Girl – Details, episodes & analysis

Imagine a future where you're living comfortably because you made smart decisions about your retirement savings now. That's the promise we're making in today's episode of the Savvy Budget Girl podcast. We're exploring the reasons you might be tempted to dip into your retirement savings early and why you should resist it. We're also distinguishing between taking a loan and withdrawing from your retirement account and the potential tax implications.

Have you heard of the term 'hardship withdrawal'? We explain what the IRS considers a hardship and the conditions that might allow one to access funds without penalty. But remember, always consult with a tax advisor. We then move on to the subject of 401k loans, dissecting the allure of quick cash and the pitfalls that come with it. It's all about equipping you with the knowledge to make the best financial decisions for your future.

Ready to launch your podcast for fun and profit? Click the link below or contact me on IG at @savvybudgetgirl!

Resources from today's episode:

https://www.fidelity.com/viewpoints/financial-basics/taking-money-from-401k 

https://www.debt.org/retirement/401k-loan/ 

https://www.investopedia.com/financial-edge/1112/average-cost-of-an-american-christmas.aspx 

https://wendycoop.as.me/podcastlaunch 

Recorded live at Podcast Movement 2023 in Denver!

Are you constantly racing against time, feeling like budgeting is a luxury you can't afford? You needn't compromise your financial health due to time constraints, and I'm here to show you how. Welcome to this episode of Savvy Budget Girl, where we discuss practical, time-efficient budgeting strategies that can work for even the busiest individuals.

We delve into the benefits of a zero-based budget and the pitfalls of leaving money unallocated. Whether you're a techie who loves using budgeting apps like Mint and YNAB, or you prefer the old-school pen-and-paper method, we've got tips for you. We also discuss the merits of automatic savings, the 50-30-20 rule for budgeting, and techniques like cash envelopes for discretionary spending. And if you're a foodie, we've got some smart advice on meal planning and grocery shopping that can help you avoid splurges and save more. Tune in to take control of your finances today!

Complete show notes at http://savvybudgetgirl.com

In this video, learn how to have a debt-free Christmas! ******Grab your Budget Binder Supplies! ➡️  https://amzn.to/3un7S3q

USA Today article:
https://www.usatoday.com/story/money/...

Read the blog:
https://savvybudgetgirl.com

Buy the merch!
http://savvybudgetmerch.com

Buy me a coffee:
https://www.buymeacoffee.com/savvybud...

You can also visit the Etsy shop!
https://www.etsy.com/shop/SavvyBudget...

This video is NOT sponsored. Some product links are affiliate links, meaning if you buy something we'll receive a small commission.

📒 Show Notes + Resources📒 

Read my latest book, “Budgeting for Women”
https://amzn.to/3oqWP6a

Get up to two free audiobooks for trying Audible Plus:
https://amzn.to/3bhg2Ea

Apply for a Capital One Secured Card:

Curious about Walmart Plus? Will you actually save money? Join in the convo! ******Grab your Budget Binder Supplies! ➡️  https://amzn.to/3un7S3q

Buy me a coffee:
https://www.buymeacoffee.com/savvybudgetgirl

Visit my shop
https://savvybudgetgirl.com

You can also visit the Etsy shop!
https://www.etsy.com/shop/SavvyBudgetGirlTV

This video is NOT sponsored. Some product links are affiliate links, meaning if you buy something we'll receive a small commission.

📒 Show Notes + Resources📒 

Walmart Plus:
https://www.walmart.com/plus

Instacart Plus:
https://www.instacart.com/instacart-plus

Read my latest book, “Budgeting for Women”
https://amzn.to/3oqWP6a

Get up to two free audiobooks for trying Audible Plus:
https://amzn.to/3bhg2Ea

Apply for a Capital One Secured Card:
https://capital.one/3zZvKfV

Build your credit with a Self account:
https://self.inc/refer/10777328

Fetch code: VQ4E8R

1️⃣ YNAB (You Need a Budget)
https://wendycoop.com/ynab 

2️⃣ Cash Envelope Wallet (like in my videos)
https://amzn.to/3xqXp94

3️⃣ Qube Money (digital cash envelopes)
https://tracking.qubemoney.com/SH2F

4️⃣ Budget binder on Amazon
https://amzn.to/3RZdACQ

Boost your videos with vidIQ:
https://vidiq.com/wendycoop

Here’s where I learned all about YouTube:
https://wendycoop.com/vra

Here are the ways to work with me:
⚡️FREE Tracker: Download your FREE Money Tracker at http://trackingmycoins.com 

Connect with Savvy Budget Girl
https://instagram.com/savvybudgetgirl 

Should you save money or pay off debt? Or both? Listen in as I give you some things to consider so you can make the best decision.

Savvy Budget Girl on YouTube:
https://youtube.com/@savvybudgetgirl

Buy me a coffee:
https://www.buymeacoffee.com/savvybudgetgirl

Visit my shop
https://savvybudgetgirl.com

You can also visit the Etsy shop!
https://www.etsy.com/shop/SavvyBudgetGirlTV

This video is NOT sponsored. Some product links are affiliate links, meaning if you buy something, we'll receive a small commission.

📒 Show Notes + Resources📒

Read my latest book, “Budgeting for Women”
https://amzn.to/3oqWP6a

Get up to two free audiobooks for trying Audible Plus:
https://amzn.to/3bhg2Ea

Apply for a Capital One Secured Card:
https://capital.one/3zZvKfV

Build your credit with a Self account:
https://self.inc/refer/10777328

Fetch code: VQ4E8R

1️⃣ YNAB (You Need a Budget)
https://wendycoop.com/ynab

2️⃣ Cash Envelope Wallet (like in my videos)
https://amzn.to/3xqXp94

3️⃣ Qube Money (digital cash envelopes)
https://tracking.qubemoney.com/SH2F

4️⃣ Budget binder on Amazon
https://amzn.to/3RZdACQ

Here are the ways to work with me:
⚡️FREE Tracker: Download your FREE Money Tracker at http://trackingmycoins.com

Connect with Savvy Budget Girl
https://instagram.com/savvybudgetgirl

Disclaimer: I am not a financial advisor; this is simply what works for my family and me and how I like to budget. Please see the link for our disclaimer policy for all of our videos on the Savvy Budget Girl channel. https://savvybrowngirl.com/privacy-policy 

Let's discuss the 6 top sinking funds I recommend for protecting your budget in 2023 and beyond!

Savvy Budget Girl on YouTube:
https://youtube.com/@savvybudgetgirl

Buy me a coffee:
 https://www.buymeacoffee.com/savvybudgetgirl

Visit my shop
https://savvybudgetgirl.com

You can also visit the Etsy shop!
https://www.etsy.com/shop/SavvyBudgetGirlTV

This video is NOT sponsored. Some product links are affiliate links, meaning if you buy something, we'll receive a small commission.

📒 Show Notes + Resources📒

Read my latest book, “Budgeting for Women”
https://amzn.to/3oqWP6a

Get up to two free audiobooks for trying Audible Plus:
https://amzn.to/3bhg2Ea

Apply for a Capital One Secured Card:
https://capital.one/3zZvKfV

Build your credit with a Self account:
https://self.inc/refer/10777328

Fetch code: VQ4E8R

1️⃣ YNAB (You Need a Budget)
https://wendycoop.com/ynab

2️⃣ Cash Envelope Wallet (like in my videos)
https://amzn.to/3xqXp94

3️⃣ Qube Money (digital cash envelopes)
https://tracking.qubemoney.com/SH2F

4️⃣ Budget binder on Amazon
https://amzn.to/3RZdACQ

Here are the ways to work with me:
⚡️FREE Tracker: Download your FREE Money Tracker at http://trackingmycoins.com

Connect with Savvy Budget Girl
https://instagram.com/savvybudgetgirl

Disclaimer: I am not a financial advisor; this is simply what works for my family and me and how I like to budget. Please see the link for our disclaimer policy for all of our videos on the Savvy Budget Girl channel. https://savvybrowngirl.com/privacy-policy 

Let's talk year-end money moves for 2022 and goals and goal-setting for 2023. What are your goals for next year? Tag me on IG in your goals post!

Buy me a coffee:
https://www.buymeacoffee.com/savvybudgetgirl

Visit my shop
https://savvybudgetgirl.com

You can also visit the Etsy shop!
https://www.etsy.com/shop/SavvyBudgetGirlTV

This video is NOT sponsored. Some product links are affiliate links, meaning if you buy something, we'll receive a small commission.

📒 Show Notes + Resources📒 

Read my latest book, “Budgeting for Women”
https://amzn.to/3oqWP6a

Get up to two free audiobooks for trying Audible Plus:
https://amzn.to/3bhg2Ea

Apply for a Capital One Secured Card:
https://capital.one/3zZvKfV

Build your credit with a Self account:
https://self.inc/refer/10777328

Fetch code: VQ4E8R

1️⃣ YNAB (You Need a Budget)
https://wendycoop.com/ynab 

2️⃣ Cash Envelope Wallet (like in my videos)
https://amzn.to/3xqXp94

3️⃣ Qube Money (digital cash envelopes)
https://tracking.qubemoney.com/SH2F

4️⃣ Budget binder on Amazon
https://amzn.to/3RZdACQ

Here are the ways to work with me:
⚡️FREE Tracker: Download your FREE Money Tracker at http://trackingmycoins.com 

Connect with Savvy Budget Girl
https://instagram.com/savvybudgetgirl

Disclaimer: I am not a financial advisor; this is simply what works for my family and me and how I like to budget. Please see the link for our disclaimer policy for all of our videos on the Savvy Budget Girl channel. https://savvybrowngirl.com/privacy-policy 

In this episode, I review 4 types of budgets and the anti-budget so you can choose what works best for your money and household.

Read the blog post here:
https://savvybrowngirl.com/what-are-the-types-of-budgets-4-types-and-1-anti-budget/

This episode is NOT sponsored. Some product links are affiliate links, meaning we'll receive a small commission if you buy something. 

📒 Show Notes  + Resources 📒 

Order your copy of my latest book, “Budgeting for Women”

https://amzn.to/35ACDsg

1️⃣ Qube Money (digital cash envelopes)

https://tracking.qubemoney.com/SH2Fhttps://tracking.qubemoney.com/SH2F

2️⃣ You Need a Budget (the book)
https://amzn.to/3NQ0F3f 

3️⃣ Side Hustle Nation

https://sidehustlenation.com

4️⃣ How to Start a Cash Envelope System
https://youtu.be/W7eOHWh5_Tk

Got a question for a future episode? Leave your question here:
https://speakpipe.com/savvybrowngirl 

Connect with Wendy Coop on Social Media 

https://instagram.com/savvybrowngirl

Subscribe to the YouTube channel here: https://youtube.com/savvybrowngirltv

Disclaimer: Please see the link for our disclaimer policy for all of our videos on the Savvy Brown Girl channel. https://savvybrowngirl.com/privacy-policy 

Let's talk about 3 ways you can prepare for student loan payments to resume in January.

This episode is NOT sponsored. Some product links are affiliate links, meaning if you buy something we'll receive a small commission. 

📒 Show Notes  + Resources 📒 

Order your copy of my latest book, “Budgeting for Women”

https://amzn.to/35ACDsg

1️⃣ Qube Money (digital cash envelopes)

https://tracking.qubemoney.com/SH2Fhttps://tracking.qubemoney.com/SH2F

2️⃣ You Need a Budget (the book)
https://amzn.to/3NQ0F3f 

3️⃣ Side Hustle Nation

https://sidehustlenation.com

Got a question for a future episode? Leave your question here:
https://speakpipe.com/savvybrowngirl 

Connect with Wendy Coop on Social Media 

https://instagram.com/savvybrowngirl

Subscribe to the YouTube channel here: https://youtube.com/savvybrowngirltv

Disclaimer: Please see the link for our disclaimer policy for all of our videos on the Wendy Coop channel. https://wendycoop.com/privacy-policy 

Learn my 5 top takeaways from a week of conferences, how to save money for the next one, and what I actually spent money on this time around.

This episode is NOT sponsored. Some product links are affiliate links which means if you buy something we'll receive a small commission. 

📒 Show Notes  + Resources 📒 

Order your copy of my latest book, “Savvy Brown Girl: Budgeting for Women”

https://amzn.to/35ACDsg

1️⃣ YNAB (You Need a Budget) budgeting software

https://wendycoop.com/ynab 

2️⃣ You Need a Budget (the book)

https://amzn.to/3NQ0F3f 

3️⃣ Profit First (the book)

https://amzn.to/3GJPlU6 

Got a question for a future episode? Leave your question here:

https://speakpipe.com/savvybrowngirl 

Connect with Wendy Coop on Social Media 

https://twitter.com/mrswendycoop   

https://instagram.com/mrswendycoop  

Subscribe to Wendy Coop’s channel here: https://youtube.com/wendycoop  

Disclaimer: Please see the link for our disclaimer policy for all of our videos on the Wendy Coop channel. https://wendycoop.com/privacy-policy