Tiny Home Living and Minimalism Are Helping us Become Debt Free – with Jill Sirianni

According to a recent survey by the National Association of Home Builders, more than half of Americans would consider living in a home that’s less than 600 square feet. And when you ask millennials the same question, that number jumps to 63%. So what’s fueling this interest?

Today, I’ve invited somebody on the show who lives in a 170 square foot tiny home with her husband and absolutely loves it.

Jill Sirianni is my guest today. She is a professional social worker and loves all things minimalism, tiny home living and debt freedom. She’s also the host of the Frugal Friends Podcast, which was nominated this year as the “Best New Personal Finance Podcast” by Plutus.

Her frugal advice and story has been featured in multiple popular podcasts, and recently, the Wall Street Journal.

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Living Paycheck to Paycheck on $100,000. How can we improve?

Our first question of the month comes in from Julie. Well, it’s really a half question/half statement but nevertheless, here we go …


Try this on: $92,000 income family with one baby.

We live in a crummy small 2 bedroom rental with poor heat and cracks in the walls. It’s on the edge of the city, the best balance of travel time to work vs price we could find.

My field (international aid/development) is generally in major cities and we like our secure jobs so not ideal to leave.

My round trip to work is 1.5hrs with driving our baby to daycare then transiting myself to work. If I transit all the way, it’s 2.5 hrs each way. If I drive all the way it’s $300+ in parking/month. There is no transit to my husband’s work so we need 2 cars.

Tell me how to do better.

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How We Got Motivated to Pay Off $40,000 of Debt Fast – with Regan and Ryan Whitlock

There’s a moment in people’s lives when they decide it’s time to become debt-free. For me and my wife, Nicole, it was when we learned we were going to be parents. For some, it’s when they get married, and for others, it’s just when they simply get fed up with owing people money.

Today, I’ve invited a couple who recently eliminated debt from their lives once and for all. Ryan and Regan Whitlock recently paid off $40,000 of debt in 8 short months. We’re going to find out their motivation for crushing this debt, so others can find their moment and their reason for becoming debt-free.

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132 Empowering Quotes about Money and Personal Finance

Over the 3 years on my podcast, I’ve had the pleasure of speaking with a collection of millionaire entrepreneurs, early retirees and personal finance experts. These conversations have allowed me to learn, grow and inspire others to win with their finances and create a better future for their family.

After each episode, I share a quote that motivates me and the listeners of the podcast to take action.

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How We Eliminated $27,000 of Newlywed Credit Card Debt – with Chris Browning

According to Bankrate, 29% of Americans have more credit card debt than they have in an emergency fund. That is some scary, scary stuff.

Today, I have a guest that accumulated quite a bit of credit card debt right around the time he got married. We’re going to talk about how he got out of that mess.

Chris Browning is the creator and the host of the award-winning short-form podcast, Popcorn Finance. His topics range from understanding the basics of investing all the way to his love of tiny homes. Chris’s advice has been featured in major publications like NerdWallet, Yahoo Finance, and CNBC.

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How Couples Can Stay Motivated When Paying Off $100,000 of Debt

Our first question of the month comes in from Daniel from Texas who wrote to me on my Facebook Page:


Andy, 

My wife and I have been married for 3 years. We are currently trying to pay down approximately $103,000 of debt. We initially started with $190,000 of debt when we got married. So we are progressing. 

What’s the best approach to talking about debt and tackling it together? 

We’ve taken the Dave Ramsey course and are currently doing the Debt Snowball, but at times we get into little arguments on our approach on how to tackle this debt. Any advice on how to handle that? 

And what did you guys do to stay gazelle intense while on your debt-free journey? We are starting to get pressure from family about having kids and she feels like we are stagnant in our lives due to this debt.


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When It Makes Sense to Refinance Your Mortgage (And When It Doesn’t)

Have you ever thought about refinancing your home? Most homeowners I know have entertained the thought at one time or another. They think it’s probably a good idea, but don’t know if it makes sense for them or not. Mortgages are confusing already. Refinancing adds to the confusion and if you don’t know what you’re doing, it can cost you big time. Let’s look at when it makes sense to refinance your mortgage and when it’s a bad idea. 

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My Spouse Doesn’t Want to Talk About Money. What Do I Do?

And for our second question of the month comes in from Christine …

Hey Andy,

I’m looking for some advice. My husband and I have been together for 5 years now and money has always been a difficult subject for us because we have very different views.

I’m more financially conscious and he doesn’t like talking about money.

We have around $36,000 in debt. Our first child is due later this year and I’d love to be debt free like the people I hear on your show.

Combined we make around $120,000 and we’re in our late 20’s.

Do you have any advice for me to get my husband to want to pay off our debt with me?

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How to Pay Off Your Mortgage Early on Less Than $50,000 Per Year – with Jessi Fearon

On our Mortgage Freedom series today, we’re going to interview someone who eliminated their mortgage on a single middle-class income in less than 8 years.

Jessi Fearon is a wife, mother to three little ones and during their nap time, she’s a financial coach. Her inspiring story of complete debt freedom has been featured in The Huffington Post, Nerd Wallet and BuzzFeed. When Jessi’s not crushing her debt and motivating others to do the same, she’s singing Garth Brooks songs and spending time with her family.

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