This week we tackle another listener question from our ASKPB queue:  Hey guys! The question I have is if I should stay in a job that I don't like until I pay off all my debt. I'm in my late 20's, and I'll make 70k this year and I have 28k in credit card debt. The credit cards have been cut, dipped in lighter fluid, and thrown into a fire pit. I've been using only cash and started budgeting. The job that I currently work at pays well, but I don't enjoy the work or people. I've been with this company for a couple years, and only stayed with them because I was told there would be future opportunities in my field. As of right now, I don't see that happening in the near future, and feel the longer I stay, the further away I'll get from doing the work I actually want to do. I don't know if I should go ahead and leave or stay until I'm debt free. Another thing is that my job provides housing and transportation, additional cost that I would have if I switch jobs. Either way I'm going to leave, just don't know if I should leave sooner rather than later. Any advice would be great. Thanks!  On the second half of the show, we're joined by Matt Schulz from CreditCards.com. CreditCards.com partners with banks and issuers to provide consumers a resource to search and apply for credit card offers displayed side by side so you can easily compare key factors such as interest rates and annual fees.&nbsp;Matt is a financial literacy advocate and credit card subject matter expert with a passion for helping people make smart decisions about their money. He has appeared on the CBS Evening News, the Today Show, CNBC-TV and in articles for the Wall Street Journal, New York Times, and The Washington Post. We discussed how Millennials can research and responsibly use credit cards, the pros and cons of 0% balance transfers for debt management, how to repair or build positive credit history, and much more! Sponsor Special thanks to our sponsor, FreshBooks. To get a free 30-day trial of their super-easy-to-use cloud accounting software, visit freshbooks.com/paychecks and enter “paychecks and balances” in the How Did You Hear About Us section. References Matt Schulz  Twitter: @MattSchulz Websites:  MattSchulz.com CreditCards.com BankRate.com    Announcements New blog post:&nbsp;When should I use a 401k loan to pay my bills and debt?

PB57: Should I Stay At My Job Until I'm Debt-Free?

We're back with the podcast you need: Part 2 with Damon Young of VSB. If you haven't already, don't forget to listen to Part 1:&nbsp;PB60: “Overnight Success” ft. Damon Young of Very Smart Brothas. This episode is equally colorful but tackles more serious topics like life, health, and personal finance. Our discussions include:  What it's like to have new money with old problems like being the first to make it while balancing staying #woke and authentic with #TheStruggle How not having enough money may have caused Damon to&nbsp;ignore a health scare for years that could have cost him his life The 15-year journey to become an "overnight success" and the book deal with&nbsp;Ecco (HarperCollins) that's changed his life forever The impact raising a child has had on Damon's views on finances, his upbringing, money, and what he plans to teach his daughter about money in the future  References  #BreakingNews - VSB gets acquired:&nbsp;The Root Is Gaining 2 Very Smart Brothas Damon Young on VSB:  Money Isn’t Everything…Unless You Don’t Have It, then Yeah It’s Everything Damon Young on GQ Behind the Brilliance Podcast:&nbsp;Ep 117 ft Lisa Nicole Bell and Damon Young A New Generation Emerges:  Xennials&nbsp;Born 1977-1983 Would-Be Parents Underestimate and Unprepared for Potential Costs of Raising a Baby   How Much You'll Spend on Childcare   ICYMI – VSB feature:&nbsp;How Marcus Got $26,000 in Debt in Less than 72-Hours  Announcements Check out our&nbsp;PATREON page!&nbsp;We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially. Read Marcus’ book on how he buried and dug his way out of over $30,000 in debt by age 30,&nbsp;Debt Free Or Die Trying, on Amazon. Looking for more career development and debt freedom tips? Join our email list at&nbsp;PaychecksandBalances.com/email&nbsp;for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE&nbsp;us on&nbsp;Facebook.com/PaychecksandBalances&nbsp;or follow us on Twitter&nbsp;@PayBalances&nbsp;and Instagram at the same name!

PB61: Let's Talk About Money ft. Damon Young of VSB (Part 2)

You may remember Donna from our previous episode&nbsp;PB31: Save Where You Can ft. Donna Freedman. Donna's back with a new book, Your Playbook For Tough Times Vol. 2, some great personal finance advice and much more! For those of you who are new here, Donna has been a college dropout, a single mom, a newspaper reporter in Chicago and Alaska, and a late-in-life university student. She has over 20 years of experience writing and helping people on media organizations like MSN Money and popular&nbsp;online publications like our  former guest's J.D. Roth's&nbsp;website, Get Rich Slowly. Her passion for helping people is evident on today's show and in the great giveaways she has for our audience. On this episode we discuss:  Actionable tips from her new book and why, unlike some other top financial gurus, she doesn't assume your financial situation is always caused by your own doing or bad financial habits The opportunity cost -- money you could spend or invest elsewhere -- of student loans and why students, and parents of students, should always use a  student loan calculator before signing any new loan agreements Simple ways and resources you can use to negotiate lower (or free)&nbsp;dental and health care costs How the "four gifts" rule can help you save money on Christmas and birthday gifts  SPECIAL PROMOs FOR PAYCHECKS &amp; BALANCES LISTENERS ONLY!!!   Click here for a free&nbsp;download of Challenge Yourself to Save&nbsp;the&nbsp;popular and a fan favorite chapter from Donna's first book, Your Playbook For Tough Times: Living Large On Small Change, For The Short Term Or The Long Haul, containing&nbsp;31 tips you can immediately use to save money today! Click here to visit Donna's direct platform and enter discount code PAYCHECKS&nbsp;for a $5 PDF copy of Your Playbook For Tough Times, Vol. 2!  Interested in the original, too? Enter discount code BALANCES&nbsp;for the first edition of Your Playbook For Tough Times!    References  The Healthcare Blue Book - provides free online tools designed to enable consumers to understand how much they should pay for healthcare services The Fair Health Consumer&nbsp;- this tool estimates your costs for dental and healthcare procedures and services in the ZIP code where you want to receive care. More Helpful Tips &amp; Recommendations from Donna:  If you’re uninsured: At Healthcare Bluebook, type in what’s needed (foot surgery, biopsy, etc.) plus your zip code and get an idea of what you might pay for that treatment in your area. As the website notes, the cost for the same network procedure can vary by up to 400 percent. Even if you do have insurance, using a tool like this could mean having to fork over less of a copay (e.g., 20 percent of $300 rather than $500). Or use Fair Health Consumer’s cost lookup tool to get an idea of what an average service or treatment should be, then print out something called a “binding cost estimate.” This basically says, “This amount is what we know to be less than a billed charge but more than a typical insurance payout.” Present it to a potential provider, say frankly that cost is a huge issue for your household and you’d like to know if you could get the needed treatment at this price. You can strengthen your negotiation by offering to pay in full at the time of the visit. If you can pay in cash, that might be enough of an incentive to get the provider to agree. Even if you had to use a credit card you’d at least be getting the best possible price for treatment. Keeping prescription costs down:&nbsp;Common meds may be free! Some supermarket pharmacies offer certain antibiotics, generic Lipitor, prenatal and children’s vitamins, the diabetes drug Metformin and other medications without charge. Among the grocery chains providing free medications are Amigos United, Giant Eagle, Meijer, Price Chopper, Publix, Reasor’s, Schnucks, ShopRite and Wegman’s.   Contact Info:  Website: DonnaFreedman.com Twitter: @DLFreedman...

PB62: Financial Tidbits w/ Donna Freedman

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