Anjie & RJ on "Women & Money"

After Anjie & RJ paid off over $120k in student loan debt within the first year of their marriage, they began helping other couples as well as young people with financial advice via their popular Rich By Intention blog and Instagram account.

Anjie and RJ appeared on the Book Insights podcast to discuss "Women and Money" by Suze Orman. The book centers around the discrepancy between women accounting for 50%+ of jobs and household income, but retiring in poverty exponentially more often than men. Quotes from Ajie & RJ:

"In a lot of homes women manage the finances - in terms of paying the bills, buying the groceries, the kids school supplies, etc. But women aren't always involved in the wealth building - saving and investing. "

"Women can have a hard time getting what they deserve financially within their careers. It can be a challenge when women work hard and go the extra mile but still don't feel the confidence to ask for what they deserve in the workplace."

"As women we have to dig in deep and speak up because if we don't, we don't get what we deserve. Men are more willing to speak up and get things - even when they don't deserve it."

"Suze illustrated it well in her book. You have to speak up within your own family. Say no and be willing to set boundaries so that you can provide for yourself and others."

"It's important that there are limits, boundaries and communication when it comes to household spending. It's important in any marriage to have annual goals, 5, 10-year family goals because without a goal it just sounds like you're telling your partner what to do."

"Sometimes wanting to give your child everything you didn't have can cause more damage. It's a balance. Figure out how much to give and how much to teach."

"I was 6 or 7 years old and I saw the process of my mom balancing her checkbook. That gave me a good foundation and a good healthy relationship with money. I'm able to delay gratification and save for what I want. I learned that you have a finite amount of resources."

"One thing women do well is educate themselves on a topic. They'll seek out the resources. A lot of women are doing that today more than 10-15 years ago because we have access to so much in the personal finance space."