Welcome to another episode of our Thriving 30s series, where I am interviewing 30 exceptional people in their 30s about how they are defying age standards and deep diving into areas of life from the age perspective. Our guest today is the magical Jacquie Powers.

Please subscribe to the channel and share the episode.   Enjoy the show!

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FOLLOW JACQUIE:
IG: @cherie_3000

FOR MORE CONTENT OR COACHING WITH SYREN:
syrenthriving.com
Instagram @syrenthriving
TikTok@syrenthriving
Youtube @syrenthring
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MUSIC:
Really Really Doe by Diamond Ortiz

Welcome to another episode of our Thriving 30s series, where I am interviewing 30 exceptional people in their 30s about how they are defying age standards and deep diving into areas of life from the age perspective. Our guest today is the amazing Matt Barkin.

IN THIS EPISODE WE DISCUSS:
- how an artist can define success for themself
- the knowledge stored in the body vs the knowledge you gain from experience
- the backstory behind an artist using film to tackle a painful situation
- how to "wash" your ego
- how to get your 10,000 doing something that you love

Please subscribe to the channel and share the episode.   Enjoy the show!

*******

MATT'S FILM:
imnottheman.com

MATT'S PRODUTION COMPANY:
vibrantfilms.com


FOR MORE CONTENT OR COACHING WITH SYREN:
syrenthriving.com
Instagram @syrenthriving
TikTok@syrenthriving
Youtube @syrenthring
Pintrest @syrenthriving

MUSIC:
Til I Hear'em Say by NEFFEX

Welcome to our new series: Financial Fitness with Syren and Sasha where we help absolute beginner investors get started on their journey to financial freedom by making investing accessible through digestible, organized and action-oriented content.

IN THIS EPISODE WE DISCUSS:
- What is Opportunity Cost?
- How we can apply this to Investing
- How to apply Opportunity Cost to our Personal Finances
- Why the real cost of *not* investing is your precious time

OPPORTUNITY COST EXAMPLES DISCUSSED IN THIS EPISODE:
1) Putting a down payment on a $500,000 house:

Scenario 1: 20% down
Down payment = $100,000
Total invested = $0
Interest: 3.8%
Monthly payment: $2,147

After 30 years:
Total cost of loan + interest = $772,978
Total stocks $0

Scenario 2: 5% down
Down payment = $25,000
Total invested = $75,000
Interest: 3.8%
Monthly Payment: $2,700
Additional interest needed for mortgage insurance: $18,000

After 30 years:
Total coast of loan + interest = $912,978
Total stocks: $1,300,000

So, if you have $100,000, and you put all of it towards your down payment, you will "save" $140,000 in mortgage payments and interest, but the Opportunity Cost is the $1,300,000 you could have earned in 30 years by putting 5% down and investing the remaining $75,000 instead.

2) Buying a daily cup of coffee

Daily cost: $5
Monthly cost: $100

Money in your portfolio after 20 years: -$24,000 (that's a negative!)
If you invested $100 a month for 20 years instead: +$68,730

Could $68,730 allow you to retire a year early, and have one more YEAR of your life financially free?

YOUR ACTION ITEM:
1) Pick one item in your life that you regularly spend money on - this could be small (like a daily cup of coffee at a cafe) or large (like taking annual vacations).
2) Calculate how much you spend on that item, on average, per month
3) Use the compound interest calculator to figure out how much you would have if you invested that amount of money instead, after 30 years.
4) Make a conscious decision about your spending.  Does spending on this item help you reach your financial goals? Is there any way you can save or earn more money to reach your goals faster?

 
Please subscribe to the channel and share the episode.   Enjoy the show!

*******

FOR MORE CONTENT OR COACHING WITH SYREN:
syrenthriving.com
Instagram @syrenthriving
TikTok@syrenthriving
Youtube @syrenthring
Pintrest @syrenthriving

CONNECT WITH SASHA:
Blog: ninjanomics.wordpress.com
Seeking Alpha: cryptonomics
Twitter @ninjanomics1

INTRO:
Raghav Bhandari

MUSIC:
Summer of 1984 by RKVC

Welcome to our new series: Financial Fitness with Syren and Sasha where we help absolute beginner investors get started on their journey to financial freedom by making investing accessible through digestible, organized and action-oriented content.

Today's episode is about the average return rate of the stock market.  Over the last 100 years, the stock market has returned an average of 10%.  Find out how powerful this 10% can be by listening to our podcast on compound interest.  And if you think you can you better than 10%, you should know that the returns on index funds beat  *eighty-percent* of professional investors.  So you can do a LOT of work and pick individual stocks, or simply invest in an index fund to achieve that 10%.*  By the way, in the last year alone (2020-2021), the stock market has returned 25%.  

*always do your research in choosing index funds and be clear on their fee structure.  Look for index funds with ultra-low or no fees of .05% to .2% a year.

IN THIS EPISODE WE DISCUSS:
- How this average is calculated and how you can use it to strategize and grow your portfolio
- How index funds beat *most* professional investors
- What NOT to do if you don't want to lose over 90% of your gains


YOUR ACTION ITEM:
- Now that you know the average rate of return for the stock market, use the compound calculator (that we discussed in Episode 3) and enter 10%.  Use this number with confidence and begin to think about some new goals and strategies to reach your investment goals.
 
Please subscribe to the channel and share the episode.   Enjoy the show!

*******

FOR MORE CONTENT OR COACHING WITH SYREN:
syrenthriving.com
Instagram @syrenthriving
TikTok@syrenthriving
Youtube @syrenthring
Pintrest @syrenthriving

CONNECT WITH SASHA:
Blog: ninjanomics.wordpress.com
Seeking Alpha: cryptonomics
Twitter @ninjanomics1

INTRO:
Raghav Bhandari

MUSIC:
Summer of 1984 by RKVC

Welcome to our new series: Financial Fitness with Syren and Sasha where we help absolute beginner investors get started on their journey to financial freedom by making investing accessible through digestible, organized and action-oriented content.

IN THIS EPISODE WE DISCUSS:
-  What is compound interest?
- How can you use compound interest to calculate when your money would *double*?
- A demonstration of how compound interest works
- The 4 factors you need to calculate compound interest
- The most important factor in allowing compound interest work for you
- How to make this personal and figure out when you can reach your financial goals

YOUR ACTION ITEM:
- Calculate how much your money can grow using the power of compound interest

1) go to this website
 https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator

2) determine these 4 factors:
     - how much you can put in as your initial investment
     - how much you can contribute monthly
     - how long can you keep your money invested
     - what is the estimated interest rate you expect from your investments
     - choose a "compound frequency" (for beginners, use "annually")

3) press "calculate" and you will see how much your investments can grow

4) play around with the numbers and begin to set goals and expectations for your investments
 
Please subscribe to the channel and share the episode.   Enjoy the show!

*******

FOR MORE CONTENT OR COACHING WITH SYREN:
syrenthriving.com
Instagram @syrenthriving
TikTok@syrenthriving
Youtube @syrenthring
Pintrest @syrenthriving

CONNECT WITH SASHA:
Blog: ninjanomics.wordpress.com
Seeking Alpha: cryptonomics
Twitter @ninjanomics1

INTRO:
Raghav Bhandari

MUSIC:
Summer of 1984 by RKVC

Welcome to our new series: Financial Fitness with Syren and Sasha where we help absolute beginner investors get started on their journey to financial freedom by making investing accessible for any and everyone through digestible, organized and action-oriented content.

IN THIS EPISODE WE DISCUSS:
- How your time and energy get devalued through inflation
- Hyperinflation - what it is and why we should be concerned
- Other, sneakier forms of inflation that you may not have considered
- The importance and power of investing in assets that *automatically* adjust for inflation
- Why understanding an "inflationary environment" and interest rates can make you a better investor, protect your wealth and grow your wealth

YOUR ACTION ITEM:
- Create your own personal basket of goods including the wages/salaries of the jobs you worked or plan to work.  Compare their prices at different time period - 20 years ago, 10 years ago and today.

Please subscribe to the channel and share the episode.   Enjoy the show!

*******

FOR MORE CONTENT OR COACHING WITH SYREN:
syrenthriving.com
Instagram @syrenthriving
TikTok@syrenthriving
Youtube @syrenthring
Pintrest @syrenthriving

CONNECT WITH SASHA:
Blog: ninjanomics.wordpress.com
Seeking Alpha: cryptonomics
Twitter @ninjanomics1

INTRO:
Raghav Bhandari

MUSIC:
Summer of 1984 by RKVC

Welcome to our new series: Financial Fitness with Syren and Sasha where we help absolute beginner investors get started on their journey to financial freedom by making investing accessible for any and everyone through digestible, organized and action-oriented content.

IN THIS EPISODE WE DISCUSS:
- What is inflation?
- What causes inflation?
- How is inflation measured?
- What is our current inflation rate?
- How is inflation managed?
- Why does inflation happen in the first place?
- Who benefits from inflation?

YOUR ACTION ITEM:
- Write down the answers to these questions in your own words.

Please subscribe to the channel and share the episode.   Enjoy the show!

*******

FOR MORE CONTENT OR COACHING WITH SYREN:
syrenthriving.com
Instagram @syrenthriving
TikTok@syrenthriving
Youtube @syrenthring
Pintrest @syrenthriving

CONNECT WITH SASHA:
Blog: ninjanomics.wordpress.com
Seeking Alpha: cryptonomics
Twitter @ninjanomics1

INTRO:
Raghav Bhandari

MUSIC:
Summer of 1984 by RKVC

Welcome to our new series: Financial Fitness with Syren and Sasha where we help absolute beginner investors get started on their journey to financial freedom by making investing accessible for any and everyone through digestible, organized and action-oriented content.

IN THIS EPISODE WE DISCUSS:
- Money's deep roots in the human behavior of trade
- How "specialization" and a complex network of bartering led to the problem of "coincidence of wants"
- How precious metals rose up as a form of money
- The technological advancements of money, including gold to paper and paper to digital
- Money's contemporary history of getting off the "gold standard"  - and its effects on your money today

YOUR ACTION ITEM:
- Write down the 7 traits mentioned in this episode that make "good money"
- Find examples throughout history of goods used as money - and how they did or did not exhibit these traits
- The goal is to have an understanding of the fundamentals of money with how and why it has progressed technologically

Please subscribe to the channel and share the episode.   Enjoy the show!

*******

FOR MORE CONTENT OR COACHING WITH SYREN:
syrenthriving.com
Instagram @syrenthriving
TikTok@syrenthriving
Youtube @syrenthring
Pintrest @syrenthriving

CONNECT WITH SASHA:
Blog: ninjanomics.wordpress.com
Seeking Alpha: cryptonomics
Twitter @ninjanomics1

INTRO:
Raghav Bhandari

MUSIC:
Summer of 1984 by RKVC