For Better and Worth
For Better and Worth is a personal finance and relationship podcast hosted by married couple Chris and Ericka Young, who believe the strongest partnerships are built on love, communication, and a solid financial foundation. Each episode, Chris and Ericka bring their own money journey into honest conversation, covering everything from investing and net worth milestones to homeownership, budgeting, and raising financially savvy kids. Real topics. Real experience. Real talk between two people who are figuring it out together. Because a good life takes more than love. It takes purpose, partnership, and the power to make it all worth it.
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Ep 174: From Parenting to Partnership: How Marriage Changes with an Empty Nest
04/22/2026
Ep 174: From Parenting to Partnership: How Marriage Changes with an Empty Nest
Description: Marriage evolves... and so do the people in it. In this episode, we get honest about communication, changing roles, and what it takes to make partnership work through life’s seasons. We discuss: How an “empty nest” changes marriage dynamics and daily routines (03:46) The evolution of personal and partner expectations over years of marriage (11:19) Why ongoing communication (not mind-reading) is crucial, even after decades together (19:50) Navigating changes in traditional gender roles and responsibilities at home (22:15) The importance of friendship, liking each other, and finding shared (and solo) interests (28:56) Who This Episode Is For This episode is for couples who are navigating transitions in their marriage, especially those approaching or experiencing the "empty nester" phase. If you and your spouse are reflecting on how your relationship evolves over time, confronting changes in your individual identities, or wanting to improve day-to-day communication as your family dynamics shift, this conversation will resonate with you. It’s also relevant for anyone interested in authentic discussions about growing together through different life stages and understanding how to maintain connection, partnership, and friendship in marriage. This Podcast is sponsored by American Heritage Credit Union. To learn more and open an account go to: Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 173: We Finally Paid Off Our Mortgage!!! Our Strategy for Paying Off Our Home Early
04/15/2026
Ep 173: We Finally Paid Off Our Mortgage!!! Our Strategy for Paying Off Our Home Early
In this episode, we share the exciting milestone of becoming completely debt free, including paying off our house. We break down the intentional steps and practical decisions that made this achievement possible. It has been a long-time coming but the freedom we feel today is completely worth all the effort! Here is what you'll learn in this episode: Details of paying off our mortgage and the payoff process Why choosing a 15-year mortgage over a 30-year loan saved us $90,000 How we balanced home upgrades, lifestyle choices, and debt freedom The importance of prioritizing financial goals over “keeping up with the Joneses” Planning what’s next: from celebrating the achievement to maintaining a debt-free life Who this is for: This episode is perfect for anyone striving for financial freedom, especially couples and families interested in becoming completely debt-free, including paying off their mortgage. It's for listeners who want practical strategies, real-life inspiration, and honest conversations about achieving big financial goals without sacrificing lifestyle. Whether you're just starting your debt-free journey or looking for motivation to keep going, this episode is for you! When it happens: 03:38 Paying off the mortgage early 07:18 Starting with intentional decisions 10:58 Paying off the house 15:46 Deciding to delay mortgage payoff 19:10 Prioritizing life’s big goals 20:52 Planning housing for retirement 24:03 Financial freedom through real estate 29:23 Managing costs after paying off house 32:12 Paying off loans and interest 34:25 Managing stress and staying focused 36:22 Celebrating teamwork moment This Podcast is sponsored by American Heritage Credit Union. To learn more and open an account go to: Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 172: Why You Shouldn’t Panic Sell During Market Mayhem
04/08/2026
Ep 172: Why You Shouldn’t Panic Sell During Market Mayhem
Episode Description: Market volatility got you anxious? In this episode, we cut through the noise to give you straightforward strategies for staying smart with your money—no panic moves required. Why history shows markets rebound after downturns The risks of cashing out retirement savings early Practical steps to steady your nerves and your finances during uncertain times Ready to take control of your financial future? Tune in the preserve your financial future. When it happens: 03:49 Managing investments during market uncertainty 09:13 Adjusting investment strategies over time 10:06 Adjusting investment strategy by life phase 13:15 Staying calm during market dips 16:35 Planning for retirement savings 21:48 Why we moved our IRA 24:05 Managing multiple accounts and investments 25:50 Rolling over a pension fund 30:19 Staying calm during uncertainty 32:27 The importance of an emergency fund 36:28 Managing news consumption Who can benefit: Anyone looking for guidance on how to navigate financial uncertainty, especially during volatile markets and global events. Whether you're new to investing, planning for retirement, or just wanting practical advice on managing your money during times of fear and uncertainty, this episode provides relatable discussion, historical context, and actionable tips. Couples, families, and individuals seeking both financial wisdom and peace of mind in uncertain times will find value in the insights shared. This Podcast is sponsored by American Heritage Credit Union. To learn more and open an account go to: Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 171: Balancing Time and Money: The True Cost of Modern Convenience
04/01/2026
Ep 171: Balancing Time and Money: The True Cost of Modern Convenience
Episode Summary Is paying for convenience making your life better? Or is it just draining your wallet? In this episode, we share our own choices about when we save money and when we pay up, from house cleaning to DoorDash and everything in between. And as you will hear, these choices aren't always easy to make or agree upon. We’ll talk about finding that sweet spot between time and money, making room in the budget for what really matters, and how those little conveniences can silently add up. Grab a seat and see if your priorities line up with your spending! When it happens: 09:12 Managing costs 11:39 Food delivery trends 13:39 Unnecessary valet tip 18:31 Kitchen cleanup 22:16 Needs vs. wants 25:12 Vegan dining expenses 28:02 Renting young and priorities 29:57 Prioritizing choices and resources 33:25 Prioritizing freedom Who This Episode Is For Couples and families - Juggling chores, meals, and budgets together? The episode’s stories and tips are super relatable. Anyone trying to save money - If you care about where your dollars go—be it takeout, cleaners, or lawn care—you’ll get a lot out of this. Homeowners - Talks about the real costs of keeping up your place, whether you do it yourself or hire it out. Busy folks - If you’re short on time and tempted by convenience, this conversation will make you think twice about what’s really worth it. This Podcast is sponsored by American Heritage Credit Union. To learn more and open an account go to: Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 170: It Happens to All of Us: How to Plug Those Small Financial Leaks
03/25/2026
Ep 170: It Happens to All of Us: How to Plug Those Small Financial Leaks
Episode Summary In this episode, we dive deep into the hidden costs of everyday convenience and the 'small leaks' that can quietly drain your bank account. From our shocking overlapping subscriptions to accidental double-tipping at a restaurant, we share our own recent financial fumbles to remind you that nobody is perfect. Tune in to discover why paying attention to the tiny details in your budget and spending is the ultimate key to taking control of your financial destiny and keeping more of your hard-earned money! Who This Is For Couples managing joint finances who want to build stronger financial checks and balances together. Individuals looking to tighten their budget and take empowering steps toward their financial goals. Anyone prone to overlooking recurring digital costs or assuming their monthly bills are automatically correct. Episode Timestamps [00:00] The Cell Bill Revelation: Uncovering the $15/month overlapping Hulu and Disney+ subscription trap. [05:30] The Double-Tipped Dinner: Why forgetting your reading glasses can cost you extra, and why we must audit our restaurant bills. [11:15] Habits of Frugality vs. Cheapness: Understanding the difference and why keeping track of the little things matters so much. [16:40] Statistics on Subscriptions: Did you know 42% of Americans pay for subscriptions they don't even use? It's time to audit your streaming services and gym memberships! [22:15] The 'Make It Worth It' Takeaways: Final thoughts on why being faithful over the small details sets you up for massive financial success.
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Ep 169: Understand the Power of Your Net Worth
03/18/2026
Ep 169: Understand the Power of Your Net Worth
Tracking your net worth is the ultimate key to unlocking true financial freedom, wealth building, and financial wellness. In this episode, we dive into the process of understanding your assets and liabilities so you can take control of your financial future. When you routinely evaluate where you stand financially you empower yourself to make smart, confident choices. We share our journey of tracking our numbers and the immense joy of watching our hard work pay off over time. Let this conversation inspire you to take immediate action on your personal finance journey. Who It's For Couples wanting to align their financial goals, build joint wealth, and communicate openly about money management. Young Professionals looking to maximize their investments early, grow their net worth, and let compound interest do the heavy lifting. Those Nearing Retirement seeking strategies to evaluate their retirement planning progress, adjust their risk tolerance, and confidently cross the financial finish line. Key Moments & Timestamps [02:15] What is Net Worth? We break down the simple formula (assets - liabilities) that forms the foundation of your financial picture. [05:30] Real Estate's Role: Discover how your home's appreciation boosts your net worth, even if you aren't selling. [09:45] Logic Over Emotion: Learn why staying disciplined with your investments during market swings is crucial for long-term growth. [14:20] Monarch Money: We recommend this intuitive software to effortlessly track your accounts, budget, and overall financial progress. [18:10] The Power of Compounding: We celebrate a huge milestone—a $300k investment growth in one year—and explore the incredible power of compound interest. Keep the Momentum Going If this episode motivated you to take charge of your financial future, please like, subscribe, and share it with someone you care about. Taking action today sets you up for a magnificent tomorrow. We are in this together—keep making progress, stay the course, and let your wealth grow! This Podcast is sponsored by American Heritage Credit Union. To learn more and open an account go to: Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 168: Ready to Launch? A Parent's Guide to Helping Your Get Ready Financially to Leave the Nest
03/11/2026
Ep 168: Ready to Launch? A Parent's Guide to Helping Your Get Ready Financially to Leave the Nest
Join us for a real and fun conversation about the transition from a full house to an empty nest. We share our personal experiences launching our daughters, covering everything from the importance of financial transparency to the practical skills every young adult needs. We discuss the anxieties kids face, the temptation for parents to shelter them, and the power of letting them put what you've taught them into practice. Discover how to build a strong foundation of budgeting, saving, and responsibility that empowers your kids to confidently step into their future. You don't want to miss it! When it happens: [03:01] Building the Foundation: Why preparing your kids for the real world is a marathon, not a sprint. [10:01] Money Talks & Roth IRAs: Diving into the financial tools—from budgeting to retirement—that will set them up for life. [30:01] Manning Up vs. Stepping Up: A candid look at the different expectations we have for sons and daughters. [40:01] Make It Worth It: The Emergency Fund Power Play: A game-changing tip to help your kids build a real financial safety net before they even leave home. [45:15] Final Thoughts & Future Wins: The lifelong impact of open communication and intentional parenting. This one’s for you, the parents of teens and young adults on the brink of independence! If you're wondering how to turn conversations about money from awkward to awesome and want to give your kids a launchpad for success (without them boomeranging back to your basement), you've come to the right place. Let's get them ready to soar! This Podcast is sponsored by American Heritage Credit Union. To learn more and open an account go to: Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 167: Does Money Get in the Way of a Healthy Relationship?
03/04/2026
Ep 167: Does Money Get in the Way of a Healthy Relationship?
Money can be a major source of stress in any relationship, but it doesn't have to be the thing that tears you apart. In this episode, we get real about the financial challenges that often lead to conflict and even divorce. With a staggering 50% divorce rate, it's more important than ever to build a strong financial foundation with your partner. We explore how issues like selfishness, power struggles, and a lack of transparency can create deep wedges in a marriage. It’s not just about the numbers; it's about trust, partnership, and open communication. We share personal stories and practical insights on how to move from a mindset of control to one of collaboration. Who It's For This episode is for you if you're a married couple navigating financial discussions, a couple planning to get married and wanting to build a strong financial foundation, or anyone in a committed relationship who struggles with communicating about money. If you want to learn how to prevent financial disagreements from damaging your partnership, this conversation offers actionable advice and heartfelt encouragement. In This Episode: (01:50) Divorce and Money:** Financial disagreements often fuel the 50% divorce rate. (03:15) Trust from Day One:** Combining finances builds trust early in marriage. (05:30) Selfishness and Control:** Financial fights often mask deeper issues like power struggles. (07:30) Control vs. Partnership:** Earning more doesn’t mean controlling the finances. True partnership is key. (09:05) Common Ground:** Aligning on goals, like paying off debt, fosters unity. (11:00) Playing to Strengths:** Use your unique skills to create a strong financial team. (15:45) No Financial Secrets:** Hidden purchases or debts damage trust—transparency is essential. (17:30) Tools for Accountability:** Shared apps like Monarch Money make finances clear and manageable. (21:40) Communication Ground Rules:** Listen without judgment to create a safe, honest space. (25:05) Listen to Connect:** Listening more than speaking is vital for tough conversations. (30:30) Don’t Delay:** Address money issues early to avoid long-term damage. (35:15) Stronger Relationships:** Honest money talks build trust, connection, and a shared vision. This Podcast is sponsored by American Heritage Credit Union. To learn more and open an account go to: Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 166: Secrets to Buying a Home When You Can’t Afford It Alone
02/25/2026
Ep 166: Secrets to Buying a Home When You Can’t Afford It Alone
Feeling locked out of the housing market by skyrocketing home prices and rising interest rates? It’s time to rethink homeownership and explore creative real estate strategies! In this episode, we shatter the myth that you have to go it alone. Learn how co-buying with friends, embracing multigenerational living, and supercharging your savings can help you build wealth and achieve your dream of owning a home. Whether you're a first-time homebuyer or someone looking to break into the real estate market, we’ve got actionable tips to inspire your journey. Key Discussion Points & Timestamps 00:00 - 08:00 | Co-Buying Homes with Friends Discover the growing trend of co-buying property with friends to share the financial load, tackle sky-high housing prices, and start building equity faster. 08:00 - 16:00 | Multigenerational Living Hear a real-life success story about families combining households. Learn how this shift is saving money, maximizing resources, and making real estate investment more achievable. 16:00 - 24:00 | Young Adults Staying Home to Save Staying with family longer isn’t a step back—it’s a financial power move! We discuss how to save for your down payment faster and turn your time at home into a springboard for homeownership. Who This Is For First-Time Home Buyers: Struggling with housing affordability? Get fresh, actionable ideas to make homeownership possible in today’s market. Young Professionals: Looking to build equity but can’t save enough for a 20% down payment on your own? We’ve got you covered. Families: Interested in multigenerational living to pool resources, save on childcare, or support aging parents? Learn how this can be a game-changer. Aspiring Homeowners: Currently living at home? Use this time to prepare financially and take your first step into the real estate market. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 165: What is True Good Fortune?
02/18/2026
Ep 165: What is True Good Fortune?
In this episode, we are diving deep into the mindset behind wealth, happiness, and what it truly means to be fortunate. We kick things off by reviewing the movie Good Fortune, using it as a springboard to discuss a question we all face: Would a massive financial windfall truly solve all your problems? We explore the stark realities of the gig economy, the allure of the lottery, and why waiting for a "lucky break" is often a distraction from the power of intentional financial planning. We believe that money doesn't fundamentally change who you are; it simply amplifies your existing traits. Whether you are currently hustling to make ends meet or are focused on long-term retirement planning, the goal is to build a life of substance, not just status. Join us as we unpack why true wealth starts with a healthy money mindset and why choosing progress over perfection is the key to a fulfilling future. Key Takeaways Money Amplifies Character: A windfall won't fix your internal struggles. If you aren't a giver when you have little, you likely won't be a giver when you have millions. The Trap of Comparison: Envy and the "if only" mindset rob you of satisfaction in your current journey. The Reality of the Gig Economy: While side hustles like Uber or DoorDash can be great supplements, relying on them without a stable foundation can lead to financial anxiety. Planning vs. Luck: Betting on the lottery is a game of chance; financial planning is betting on yourself. Progress Over Perfection: You don't need to have it all figured out today. Just take the next right step. Popular Keywords Financial planning Gig economy Money mindset Character development Retirement planning Key Segments & Timestamps 00:00 – Intro: Surviving the snowstorm and getting back to max capacity. 03:15 – Movie Review: Breaking down the themes in Good Fortune and Trading Places. 08:45 – The Gig Economy: Hustle culture, stability, and the pursuit of "more." 15:20 – The Lottery Mentality: Why we dream of windfalls instead of doing the work. 22:30 – Does Money Change You? The importance of maintaining your character. 28:00 – "Make It Worth It": Generosity, legacy, and finding joy in what you have right now. Resources Mentioned Movie: Good Fortune (2024) Movie: Trading Places (1983) Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 164: Beyond the Box of Chocolates
02/11/2026
Ep 164: Beyond the Box of Chocolates
Have you felt the commercial pressures of Valentine's Day? We do! In this episode, we pull back the curtain on the expectations and anxieties that often come with February 14th. We explore how this one day can feel like a manufactured obligation to spend money rather than a genuine expression of love. Join us as we shift the focus from grand, one-time gestures to the beautiful, consistent ways we can show love and appreciation every single day. We believe love is a year-round celebration, best expressed in ways that truly resonate with the people we care about most. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 163: When Peer Pressure Paid Off
02/04/2026
Ep 163: When Peer Pressure Paid Off
In this special episode, we're coming to you live from Miami, still buzzing from the Indiana Hoosiers' historic national championship victory! Fresh off the excitement of the game, we dive into the real-life financial decisions that come with once-in-a-lifetime moments. Join us as we break down the magnetic pull of peer pressure and the fear of missing out (FOMO) when your closest friends are all heading to the big game. We share our personal journey of navigating sky-high ticket prices, last-minute travel plans, and the emotional debate of whether to spend thousands of dollars on a single event. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 162: Are You Too Proud to Be Rich?
01/28/2026
Ep 162: Are You Too Proud to Be Rich?
Have you ever caught yourself thinking, "I’ve got this all figured out," only to realize later that you were missing a crucial piece of the puzzle? You aren't alone. Pride is incredibly sneaky, and it often creeps into our lives right where we can least afford it: our finances. In this episode, we are getting real about the "I can do it myself" mindset. We explore how overconfidence and complacency can actually stifle your financial growth and lead to unnecessary burnout. But this isn't just about pointing out the problem—it's about empowering you to find the solution. We share our own journeys as "money nerds" who still rely on a team of pros, and we show you why asking for help is actually the ultimate power move. If you are ready to let go of the stress of managing everything alone and start building a financial dream team, this episode is for you! Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 161: No Pennies for Your Thoughts
01/21/2026
Ep 161: No Pennies for Your Thoughts
What happens when the smallest coin in your pocket is no longer part of your daily life? The U.S. Mint officially stopped producing pennies for circulation in November 2025, marking a significant shift in our nation's currency. In this episode, we explore the end of an era and dive deep into what this change reveals about our relationship with money, value, and history. We’ll uncover the economic reasons behind the decision, from the rising cost of production to the practicalities of rounding cash transactions. More than just a financial change, this is a cultural moment. We will explore the central question: How does the penny’s disappearance affect how we view the value of money itself and how we use it? Join us as we navigate this transition and all that it entails. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 160: Why the New 401k Catch Up Rules Are Your Secret Weapon
01/14/2026
Ep 160: Why the New 401k Catch Up Rules Are Your Secret Weapon
In this episode, we explore the recent shift that directs catch-up contributions to Roth accounts, a change that transforms your long-term financial strategy. Discover the incredible benefits of tax-free growth and withdrawals in retirement, while also understanding the trade-off of losing immediate tax deductions. This pivotal change is your opportunity to build a more resilient and flexible financial future, giving you greater control over your retirement income. Tune in to learn actionable steps you can take today to adapt your plan and harness this new rule for maximum benefit. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 159: Strategize Like a Business
01/07/2026
Ep 159: Strategize Like a Business
We explore a new and simple way that we approached our 2026 planning. It forced us to make a mindset shift: we began treating our personal finances with the same strategic focus and seriousness as a successful business. By viewing yourself as the CEO of your household, you can unlock clarity, foster teamwork with your partner, and build a clear path toward your biggest goals. We break down the exact steps to review your performance, set inspiring goals, and create a winning strategy that aligns with what truly matters to you. Get ready to feel energized, motivated, and completely in control of your financial destiny. Then take the necessary steps to implement this in your own finances. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 158: End the Year Strong, then Start the New Year Stronger
12/31/2025
Ep 158: End the Year Strong, then Start the New Year Stronger
As the year comes to a close, it’s the perfect time to pause, reflect, and prepare for what lies ahead. In this episode, we explore the transformative power of end-of-year rituals, offering practical steps to help you close out the year with intention and step into the New Year with clarity and purpose. From reflecting on your achievements and reviewing your financial habits to setting intentional goals for personal, family, and professional growth, this episode is packed with actionable tips to make this transition your most meaningful yet. We also dive into the importance of decluttering, both physically and mentally to create space for fresh opportunities and positive energy in the coming year. Whether it’s organizing your workspace, cleaning out your fridge, or unsubscribing from distractions, these small but powerful acts can fuel your creativity and motivation. Tune in to learn how these rituals can help you end the year with gratitude and start the next one with unstoppable momentum! Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 157: Redefining Christmas
12/24/2025
Ep 157: Redefining Christmas
This week, we are diving deep into the magic and the madness of the holiday season. Christmas looks a little different around here these days. Gone are the mile-long wish lists for toys and the frantic search for the latest gadget. Instead, we are navigating a beautiful new season of parenthood: Christmas with young adult daughters. In this episode, we open up about the bittersweet transition of watching our girls grow up and how we are intentionally working to keep our family unit tight-knit, even as their lives expand. We talk candidly about the shift from buying so much "stuff" to creating moments and investing in their interests. We also tackle the practical side of the holidays like staying on budget without being a Scrooge. We share how we are balancing the books while still making the season feel abundant and special. Join us for a warm, honest conversation about love, family, and making memories that outlast the wrapping paper. Merry Christmas! Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 156: The 50-Year Mortgage Trap
12/17/2025
Ep 156: The 50-Year Mortgage Trap
Are you dreaming of homeownership or moving up in home but feeling priced out of the market? You've probably heard whispers about the "50-year mortgage" as a magical solution to affordability. But before you sign on the dotted line for half a century of debt, you need to hear the truth. In this eye-opening episode, we dive deep into why this trending loan option might just be the biggest financial trap of our lifetime. We may be biased but for good reason! We break down the shocking math behind these loans—revealing how lower monthly payments are essentially a mirage that could cost you triple your home's value in interest. We explore who really wins when you extend your mortgage (spoiler: it’s not you), the psychological weight of lifelong debt, and the powerful alternatives that can actually build your wealth. Get ready to take control of your financial future and make decisions that empower you, not the banks! Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 155: Raising Financially Savvy Kids
12/10/2025
Ep 155: Raising Financially Savvy Kids
Ready to give your children the ultimate head start in life? Want to make sure they grow into confident, capable, and financially savvy adults (and not end up living in your basement forever)? This episode is your guide to equipping your kids with essential money skills that schools often overlook. Teaching financial literacy can’t be left to chance—you need to take an intentional approach. This time we share our own experience including things we wish we'd done to ensure our daughters are financially responsible young adults. Join us as we dive into the key lessons that will help you shape a secure and successful future for the next generation. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 154: Would YOU Survive a Government Shutdown?
12/03/2025
Ep 154: Would YOU Survive a Government Shutdown?
Imagine going 44 days without a paycheck. Would you survive it financially? This episode explores the financial lessons learned from the recent government shutdown that left millions in crisis. We dive into the absolute necessity of having an emergency fund as your personal safety net against the unexpected. You will discover practical, actionable steps to take when your income suddenly stops, empowering you to navigate any financial storm with confidence. This isn't just about surviving; it's about building lasting financial resilience for a secure future. This is an episode you don't want to miss! Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 153: Thanksgiving Past and Present
11/26/2025
Ep 153: Thanksgiving Past and Present
As Thanksgiving approaches, a wave of gratitude washes over us, reminding us of the countless blessings in our lives. In this truly special episode, we’re peeling back the layers of this holiday to explore what it means to us. We’ll be sharing some family traditions. We'll also provide heartfelt tips on how to remain fully present and soak in every precious moment with your loved ones, because we know that now, more than ever, the connections we share with family are what truly matter. While the holiday season can sometimes bring financial pressures, we firmly believe that celebrating with intention and care is an investment that pays dividends in joy and memories. Join us for an uplifting conversation as we explore all of this and so much more in this week’s podcast episode. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 152: 4 Net Worth Milestones That Change Everything
11/19/2025
Ep 152: 4 Net Worth Milestones That Change Everything
This episode dives into four game-changing net worth milestones that signal true financial progress. We're exploring the profound shifts in security, freedom, and opportunity that come with hitting these key targets. We'll demystify what it means to become a millionaire, feel the incredible relief of paying off your home, and finally, define the ultimate goal: your Financial Independence (FI) number. Sometimes it is helpful to know that you are advancing in your financial journey even when the big milestones seem far away. Listen in to learn more about what milestones to reach for and how to avoid the pitfalls at each level. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 151: Win with Money this Holiday Season
11/12/2025
Ep 151: Win with Money this Holiday Season
Ready to create unforgettable holiday memories without that nagging financial hangover? This episode isn't just about budgeting; it's your blueprint to truly win with your money this season! We'll kick things off by shining a light on average holiday spending and then guide you to create an intentional budget that feels empowering, not restrictive. Discover practical strategies to stay on track, like weekly money check-ins and effortless automated savings. Imagine ending this year feeling completely empowered and totally in control of your finances. We believe you can do it! Listen in to hear about how we plan and begin to create your own plan for success this season. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 150: Don't Just Spend It: Level Up Your Life with Extra Income
11/05/2025
Ep 150: Don't Just Spend It: Level Up Your Life with Extra Income
What if your next bonus, tax refund, or unexpected cash windfall could be the very thing that propels you toward your biggest financial dreams? Most people enjoy the feeling of being able to spend funds that have no name or aren't attached to bills. It's time to stop seeing "extra" money as a free-for-all and start seeing it as a powerful tool for building the life you want. In this episode, we're unlocking the potential of found money and giving you some motivation to turn windfalls into wins. Get ready to transform your approach and make every dollar work for your future. Your next bonus could change everything! Listen in to learn about how we maximized every dollar while getting out of debt. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 149: The Ups and Downs of an "Almost" Empty Nest
10/29/2025
Ep 149: The Ups and Downs of an "Almost" Empty Nest
Join us as we reflect on the three years since our youngest daughter left for college and how our "almost" empty nest has transformed our lives. This episode is an authentic look into how we've reevaluated our partnership, navigated our changing roles as parents of young adults, and found new ways to grow both as individuals and as a couple. We’re sharing the real, unfiltered journey of this beautiful and challenging season. You don't want to miss it! Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 148: Does Investing Need to Be Sexy to Work?
10/22/2025
Ep 148: Does Investing Need to Be Sexy to Work?
Is the secret to long-term wealth a complicated, high-stakes strategy, or something far simpler? We often get drawn to the allure of "sexy" investing—the risky bets, the hot stock tips, the promise of explosive overnight returns. But what if the most powerful path to financial growth is actually the one that feels a little… boring? This episode pulls back the curtain on why consistency, patience, and a simple plan can be your greatest assets on your investment journey. We’re diving deep into the power of straightforward, time-tested strategies like diversified index funds and automated contributions. You’ll learn how these "boring" methods are designed to harness the market's power over the long haul, helping you build wealth without the sleepless nights. We’ll also uncover the common traps of complex, "sexy" investing—from chasing elusive returns to taking on unnecessary risk. Get ready to feel empowered and inspired to build a strategy that truly works for you, one that brings you closer to your goals with confidence and clarity. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 147: How Many Accounts Do You Really Need?
10/15/2025
Ep 147: How Many Accounts Do You Really Need?
Is your bank account one giant pot of money for bills, savings, and spending? Or do you have so many accounts that you can't keep up with them all? It's time to stop the financial chaos and create a system that works for you, not against you. In this episode we share exactly how we manage our cash, where it goes, and why. Then we give some ideas for other ways to manage the flow of your money so you can finally get organized and reduce the day to day stress of managing it. Get ready to move from financial confusion to complete confidence and build a system that runs on autopilot, freeing you to focus on living your life. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 146: A Financial Advisor Helped Us Uncover Our Own Financial Blind Spots
10/08/2025
Ep 146: A Financial Advisor Helped Us Uncover Our Own Financial Blind Spots
Ever wonder what a financial advisor really tells you? In this candid episode, we pull back the curtain on our recent meeting with an independent financial advisor. We’re sharing the surprising truths we learned, the validation we received, and the exact steps we’re taking to strengthen our financial future. This isn't about complex theories; it's a real-life look at how an outside perspective can illuminate your path and empower you to move forward with confidence. We discovered that while we are doing very well and are on track with our goals, there were crucial blind spots we had completely missed. If you’ve been curious about working with a professional or just want to see how a real financial plan gets refined, this episode is for you. Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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Ep 145: When Fundraising is Both Awkward and Exhilarating
10/01/2025
Ep 145: When Fundraising is Both Awkward and Exhilarating
Have you ever stepped out of your comfort zone for a cause you believe in, only to find it challenged your personal values? This episode dives into the real, raw, and sometimes awkward reality of fundraising. We're sharing our personal experience of selling raffle tickets for the Game on Cancer campaign at a Detroit Lions football game. It was a day filled with incredible energy, deep purpose, and also the uncomfortable feeling of being a potentially "pushy" salesperson. We had a good time, learned some lessons ourselves and raised a lot of money for a good cause. Tune in now to hear more! Our website: Get Ericka's book, Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
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