Hey everyone! Lauren has been having quite the summer, and with a couple of trips, buying/renovating a new primary, and a move we're doing a replay this week. Fear not, though, this is our most popular episode of the last couple of years so if you haven't listened yet, you'll love it. If you have listened, you may just love it again.

Show notes:

Athena got into the personal finance content creation world to help the Latina community (and everyone) learn along with her. She’s passionate about helping her community because of the wage and income gaps present. Athena discusses the importance of diversifying income streams, as well as her investment portfolio. Since she literally wrote the (for dummies) book on budgeting, of course Lauren and Athena dove deep into this topic. The first method they talked about was zero based budgeting. The second was the 50/30/20 method, Lauren’s favorite. The third budgeting method discussed was the cash envelope method, Athena’s favorite. Finally, they talked about the pay yourself first budget, which is often not thought of as a budget at all! She offers tactical tips for sticking to a budget, like having groceries delivered. Athena also recommends an accountability partner, which can even be anonymous. Everyone should have a budget because it’s the foundation on which all personal finance goals are based.

About Athena:

Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzFeed, Prudential, The College Investor, GOBankingRates, Money Under 30, among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When she's not working, you can find her reading a Stephen King novel with her main man, a polydactyl cat named Harrison George.

Connect with Athena:

⁠⁠https://twitter.com/accordingathena⁠⁠

⁠⁠https://www.facebook.com/moneysmartlatina/⁠⁠

⁠⁠https://www.instagram.com/moneysmartlatina/⁠⁠

⁠⁠https://www.slate.com/paydirt⁠⁠

Subscribe to the Adulting Is Easy YouTube channel: https://www.youtube.com/@adultingiseasy

If you liked this episode, you will also like Episode 144 with Jannese from Yo Quiero Dinero called You Should Have Multiple Streams of Income and 56 with Jrod called Simple Financial Advice.

Donate to the show: ⁠⁠https://cash.app/$AdultingIsEasy⁠⁠

Connect with Lauren: https://twitter.com/AdultingIsEasy https://www.realadultingiseasy.com/ https://www.instagram.com/adultingiseasyreal/