Building a Guilt Free Budget | Listener Intervention

**Nicole Lapin** (0:00)
Do you know the first time Bitcoin was used for a financial transaction?
In May of 2010, a programmer traded 10,000 Bitcoins worth around $41 for two pizzas. Today, those coins would be worth hundreds of millions of dollars. While selling at the wrong time can cost you money, it's also the hidden costs that can hold you back. That's why I recommend watching the fees on any investment you make. When you're buying Bitcoin over time, the small costs add up. That's why I like that Cash App offers zero fees and zero spread on automatic Bitcoin purchases like auto invest, roundups, and paid in Bitcoin. So if you're building a position over time, more of each purchase goes into Bitcoin. It's a straightforward way to add Bitcoin exposure without overcomplicating the process. Download Cash App today. Visit our link in bio. Bitcoin services by Bloc Inc. See the Bitcoin disclosures at cash.app slash legal slash podcast. This summer took me from a conference in France to some of the most beautiful beaches in the Pacific. Every destination had its own rhythm, from quiet mornings by the ocean to evenings spent discovering local cafes, hidden restaurants, and places you'd never find unless you were there. Back home, my city was hosting some of the biggest games in the world. While I love trading packed stadiums for sandy beaches, I also knew thousands of fans were traveling in for the opposite reason, eager to soak up the atmosphere and be part of the excitement. That's why I listed our space on Airbnb. And what makes that idea feel much more manageable now is the co-host network. You can connect with a local co-host who has hosting experience and can help take care of the important details. A co-host can help create your listing, manage reservations, message guests, and make sure everything runs smoothly for guests during their stay. Honestly, it just feels like a practical way to make better use of our space while also bringing in a little extra cash from time to time. If you're interested in hosting and want help getting started, find a co-host at airbnb.com/host.
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**Kate** (3:31)
I feel like I'm so overwhelmed by just everything being out there and like news outlets, social media. I feel like I need to be doing better. It seemed like I'm behind.

**Nicole Lapin** (3:39)
Today, I'm talking to Kate. She has some good money habits, but she wants to know specifically what she should be doing now to better set herself up to reach her money goals.

**Kate** (3:47)
I think I do best when I have a goal. But every time I say goal, that goal just keeps moving further and further and further away.

**Nicole Lapin** (3:54)
Your first 100K saved is the hardest, but that is actually the level where compounding gets very exciting.

**Kate** (4:02)
With a high yield savings count, I really want to build this up.

**Nicole Lapin** (4:06)
I'm working with SoFi because I truly, truly, legit love theirs. Every dollar is maximized up to eight times the national average savings rate with eligible direct deposit. So that means every dollar is working smarter.