The Finance Fam Show exists to unleash potential in people! We cover many topics in finance that also revolve around faith, family, and freedom. Hosted by Isaiah Ram & Andrew Bullard, our goal is to start a conversation around personal finance and help get young people on the path towards retirement and freedom. We'll cover everything from getting out of debt, to planning a budget, to building your investment portfolio, and ultimately how to beat the rat race and become financially independent.
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A place were you can sit and listen to topics about life, sports, and other topics given to me, from you guys! Cover art photo provided by Edgar Castrejon on Unsplash: https://unsplash.com/@edgarraw
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The Just Cruzing Podcast: Week 7 Rams Review
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What a great week to come back to. This week and moving forward every game is a playoff game, if we want to make the playoffs which I think we totally can, the division is closer than people think and a loong season ahead. I love this roster we are young but we need to execute in the red area, if we convert we wouldn't be in this position. But we a…
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The Just Cruzing Podcast #50 Rams Roster and Preseason
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Football is on the horizon and I talk about: Players to be excited to watch Our Great Young DL Mixture of Veterans & Rookies (A TON OF ROOKIE CONTRACTS) Preseason Players to watch in my order: 1. Stetson Bennett, Drake Stoops & Jordan Whittington 2. Fiske, Verse, Hampton, Mathis, Desjuan, & Brennan 3. Davis Allen 4. Young DB (Jason Taylor II, Kam K…
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The Just Cruzing Podcast #49 My Current State
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The big thing to understand is that you and I, are human at the end of the day. The emotions that we feel are because we are looking at them in a negative view instead of a positive and I am guilty of it as well. I've been a bit off lately and I have to see it as an opportunity of growth. As hard as it may seem seeing things through a positive lens…
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The Just Cruzing Podcast #48 What you listen to really MATTERS!!
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On this Episode of The Just Cruzing Podcast, I take you on a little trip on some of the music I like to listen to and why it has helped change my outlook on the things I feed my soul pertaining sounds and along with how the vibes of these songs affect my souls. I hope you think about some of the elements of this life you feed your soul and if you t…
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The Just Cruzing Podcast #47 Cheat Sheet to Life
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My own perspective of Life that I learned from the Stoics, Rastafari, and Buddistist for myself to sustain my happiness and confidence in myself. Life contains fear, but fear only lives in our minds. A lot of things exist because of our minds. In reality, they don't even exist. Its like the big hairy 8 eyed 4 arms 5 leg monster than lives under our…
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1:50 secs: Understanding your "problems" are opportunities of Growth. 6:10 secs :Depend on yourself, not others. Feel Free! 10:50: Alex Pereria and UFC Talk 11:45 sec: Talk about how I found my cats! 18:50 secs: Nature talk, Youll love my perspective on the ocean! 22:15 secs: A simple Life is a Happy Life 25:30: I've been looking for myself for yea…
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The Just Cruzing Podcast #44 Rams Post Season Talk
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Welcome to another Episode of The Just Cruzing Podcast where today we talking Rams Stafford and his Contract Our D and O Post Draft Stetson Bennett QB1 Plan I hope you enjoy Episode #44 and Thanks for Listening!
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The Just Cruzing Podcast #43 Rams 2024 Draft Convo
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THE DRAFT IS HERE! - I love the Organization not the players - I go into depth about the aggressive nature the Rams have paved ever since 2016. - Talk about needs to address in the draft.. not in any order! (1LB, 1RB, 1WR, 1QB, 2DE, 1DT, 2CB, 1MLB, & 1TE) My Predictions for the 1st round pick - Trade back (hopefully with Was or KC or NE) getting an…
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The Just Cruzing Podcast #42 UFC 300, Lakers, Keeping an Open Mind.
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One of my most edited audio podcast lol might not be a lot to you, but to me its huge lol technology and I aren't the bestest of friends lol Talking: UFC 300, Lakers, New Podcast Segment coming soon, Keeping an Open Mind! I really enjoyed this podcast, another really good podcast in my opinion with great words and thoughts. Thanks for listening to …
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The Just Cruzing Podcast #41 Change & Contentment with Death
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Change and Perishability are inevitable You have to be ingnorant not to recognize that Death is a natural reoccurring event that benefits the world as sad as it may sound... I have found contentment with Death.
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Bitcoin just broke an all time high. Are you invested in it? Today we share about our evolving philosophy around cryptocurrency.
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40. TURO Rentals: The Best Car Hack in 2024?
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Andrew interviews Isaiah on his experience with TURO. Check out if it's still viable and worth doing in 2024! Also - leave a 5 star review! We want 'em ;)
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Bonus episode!
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The Just Cruzing Podcast #40 La Jolla Shores Cliff
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For this Podcast, I sat on a bench that over looks La Jolla Shores Pier. It was a rough day, nature was showing off her powers and a glimpse of what she is capable of. Nonetheless, it felt great to be over looking the ocean its so beautiful, its my home away from for sure. It brings me peace. I have some audio of the ocean from my position at the e…
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38. What To Do If Your Find Yourself Out Of A Job
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What To Do If Your Find Yourself Out Of A Job
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The Just Cruzing Podcast #39 Nature is We, We are Nature!
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In this episode of The Just Cruzing Podcast, I go on to talk about and give examples of animal kingdom and how some of the their fatal/survival experiences correlate to our own daily lives as we purse "Happiness!" I fear that most of the human population underestimate the importance of Nature has on our development. I talk about the Bee Eater Birds…
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BONUS episode! We go on a cruise and process some of the trip. We'll have to do a follow-up episode, but hopefully you find this entertaining :)
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36. The Story of Andrew & Joy's Renovation
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Andrew & Joy's renovation story: finding off-market deals, investing in land, dealing with expenses, and more in this episode!
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35. The Health Care System Is Bad...
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This episode dives into the problems of the health care industry and some possible, future solutions. *Recorded April 2023*
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This is the follow up to our other episode on vacations!
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The Just Cruzing Podcast #38 Life is all Opinions & Perspectives
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One of the Best Podcasts that I've done and its the first of the year 2024. Talked about so much from understanding that, their is no one gameplan for life to be success their is an infinite amount of ways to be happy with yourself, but its up you, you are the sculptor & creator of your own life and some TMI stuff. Talked about my experience at Bar…
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33. Happy 2024! Interest Rates are at 8% 📈
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Welcome back, Finance Fam! It's 2024, and we're thrilled to bring you the first episode of the year with your favorite finance enthusiasts, Isaiah Ram and Andrew Bullard. In this exciting kickoff episode, we're diving deep into the latest financial trends, strategies, and insights that are shaping the year ahead. Isaiah and Andrew, known for their …
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The Just Cruzing Podcast: #37 JC The Alley Cat
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JC is a man who lives in the alley of my apartment complex. He's a real down to earth dude. We had a good conversation about life. I hope you enjoy, and remember everyone needs someone at some point in there life. Thanks for listening!
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I just love giving my tips to life, I don't plan on that, my soul just takes over and talks to the mic. I want you live as happily as I am. It feels sooo good to be free of all the toxins of the world.
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I love my Rams, but I will always be critical and truthful My thoughts on the Team's status Keys to the Game BLOCK MYLES GARRETT Run the Ball Defense BOW UP!! Stafford on why I am critical of him
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Thoughts, Sacrifices, Effort; Get Ready
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As a Man Thinketh - James Allen Talking about the book mentioned above and going over quotes from the book while I guide you on the podcast through a rainforest jungle which is my mind. "Only himself, can alter his condition!" I'm going to start to really get my podcast going. I love to do it because it's for me and my future kids to listen to and …
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Just wanted to get back on and just let my mind wander and taking me where ever it took me. I hope you don't think i have all the answers, these answers are just my way of living my life, everyone has their own type of tools that work for them and might not work the same for someone else, be understanding of that, but also be glad that their isnt j…
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I talked about a lot topics and I can't remember the order in which I spoke about these topics so bare with me lol - my dating life - being independent ( as a man / female - not caring about opinions - among other topics lol I hope you enjoy it! They won't be this long, it was just a one time thing. Also it cuts off at the end sorry lol and I wasn'…
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This podcast is filled with real talk about participating in the game of life. But at the same time still giving YOURSELF first and foremost, a chance by trying to give yourself new stimulus and exploring places you never thought you could go. You'll be surpised about the emotions you will feel, some of these emotions you havent felt. I hope you en…
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This is not my purpose but a purpose and duty of every human being with reason, while at the same time not giving a fook and being a complete savage. Be understanding and receptive to everyone's thought and opinions even if you don't agree with them it's okay to have the same conviction. "You have full access to the control room for your well-being…
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Sometimes you just have to go through it to get an understanding of where you headed or where you aren't headed. Unfortunately, the only way to find your way is to lose your way. You have to have little pain every now and then
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32. Most Americans finance vacations...and they're putting their future in jeopardy
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Finance Fam | Season 2 | Episode 32 Vacations are ruining American's futures. This episode is a wakeup call to those who aren't financially preparing for vacations. We love you, but we're keeping it real today. As always, if you're interested in getting your finances in order, fill out a form and we'll reach out to you about Finance Coaching. First…
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we all go through it, we all start off in square one in the game of Life, yet this game has no winners or losers, but what it does have are infinite amount of similar difference and out of this world experiences that are personal to each being, we all are moving in different directions, but subconsiosly all pulling in the same direction. Enjoy, tha…
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31. Banks make HOW MUCH each year on overdraft fees?
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Finance Fam | Season 2 | Episode 31We're calling overdraft fees the 15 billion "tax" on the poor... here's what they are and how to avoid them! Links: Finance Coaching Isaiah's Instagram Andrew's Instagram
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30. Please Don’t Give Uncle Sam A Free Loan Every Year Like We Did 💸
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Finance Fam | Season 2 | Episode 30 Just in time for Tax Day, we discuss why you're giving Uncle Sam a free loan EVERY YEAR! If you are intimidated by taxes, this episode is for you so you can gain a simple, comprehensive overview of the tax system. Links: Finance Coaching Isaiah's IG Andrew's IG
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29. Most Christians Don't Do Tithes and Offerings; Here's Why
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"Live like no one else, so you can live and give like no one else"! Today we talk about the spiritual aspect of building wealth and having a heart of generosity & giving. We talk about about only 5% of church goers tithe, and our thoughts on the topic of biblical giving. Disclaimer – we're not experts or theologians on the topic of giving... but we…
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28. Becoming a Millionaire is Easy; Getting Abs is Much Harder
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Finance Fam | Season 2 | Episode 28 Today's episode was completely unplanned and spontaneous. Isaiah shares about his new found inspiration to get a 6 pack, and Andrew tests Chat GPT for the first time. You'll get a kick out of this! Links: Finance Coaching– https://form.jotform.com/222163910210036Isaiah's IG – https://www.instagram.com/isaiah.ram.…
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27. ChatGPT – The Technological Breakthrough of Our Lifetime! 🤖
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Finance Fam | Season 2 | Episode 27 ChatGPT is changing everything! Today we talk about what AI can do for you, what potential it has, and how to incorporate it into your day to day. Yes, this is a finance show... but consider ChatGPT an assistant that can 10X your output, planning, content, budgeting, outlines, business, work, etc etc etc. As alwa…
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FIRE – one of our favorite financial terms. Today, we dive into the weeds about the different types of FIRE out there (Fat, Coast, Lean, Barista). Remember to reach out to us in the links below if you're wanting to start your finance journey! Finance Fam Links
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25. One Day You'll Be Too Old To Work 😵
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Welcome to SEASON 2 of Finance Fam!!! Today we start the conversation with the humble reality that we as humans will one day be unable to work physically and why retirement in the financial sense needs a game plan. Links for IG & Finance Coaching Form
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We reflect on the last 23 episodes, what got us into hosting this show, and our favorite conversations from 2022! :) ------ Instagram | Financial Coaching Questionnaire | Email AndrewAutor: Isaiah Ram & Andrew Bullard
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23. SMART Goals & New Years Resolutions
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LIMITED TIME OFFER ~ Reach out to us today and get a free consultation with Andrew!! On today's episode we talk through New Years Resolutions and how to create SMART goals for 2023. Enjoy, and happy new year :) SMART goals are: Specific: Well defined, clear, and unambiguous Measurable: With specific criteria that measure your progress toward the ac…
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22. Financial Car Philosophy: Loans, Beaters, & Teslas 😎
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This is a fun one. We talk about how car loans were hurting a lot of Americans from maxing out their retirement accounts... and therefore provide our philosophy on cars. We share the beater ==> solid car ==> Tesla stages of building wealth and driving cars. The smart way of course. 😎 ------ Instagram | Financial Coaching Questionnaire | Email Andre…
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21. Long-Term Savings & Short-Term Savings Strategies
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Today we talk about the differences between long term and short term savings! We also share our strategy in deciding where to put your extra cash that you're planning on spending in the net 5 years. Ally Savings Bank ------ Instagram | Financial Coaching Questionnaire | Email Andrew
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Today we talk about how we would go about saving and buying a house in the current state of the economy! Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gmail.com ------ Instagram | Financial Coaching Questionnaire | Email Andrew…
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Today's episode is spicy and a tad controversial in the finance world. We're talking about Credit Cards (don't disown me, Dave) Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gmail.com ------ Instagram | Financial Coaching Questionnaire | Email Andrew…
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18. Improving Your Health & How It Impacts Your Wallet
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Today we discuss how your health can impact your finances! W talk about the benefits of being healthy, how it's changed our finances, self-confidence, plus we share the tactics we've used to win in this sector of life. Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gm…
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17. 5 Observations from Andrew's India Trip
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Today Andrew shares some takeaways from his mission trip to India! Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gmail.com ------ Instagram | Financial Coaching Questionnaire | Email AndrewAutor: Isaiah Ram & Andrew Bullard
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Today we share how easy it is to house hack, how it's worked for us, and why you should consider it! Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gmail.com ------ Instagram | Financial Coaching Questionnaire | Email Andrew…
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15. Retirement Accounts & The Order Of Operations
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Today we break down the different investing & retirement accounts that are out there for people and what order you should prioritize them in! Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gmail.com ------ Instagram | Financial Coaching Questionnaire | Email Andrew…
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