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        <title>I Don&#39;t Do Toilets Podcast</title>
        <link>https://redcircle.com/shows/i-dont-do-toilets-podcast</link>
        <language>en-US</language>
        <copyright>All rights reserved.</copyright>
        <itunes:subtitle>P.S.A. to Generation X! We are talking to YOU specifically</itunes:subtitle>
        <itunes:author>Andray &amp; Maisha</itunes:author>
        <itunes:summary>*We are on a journey towards financial independence. We are not there but running the race. This podcast will Encourage and Empower our peers, Gen X’er&#39;s to join along. Our goal, to share experiences and knowledge giving you  relatable and practical content towards building wealth. We’ll discuss entrepreneurship, stock market investing, real estate, wealth building and everything in between. Enjoy the podcast.*</itunes:summary>
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        <description><![CDATA[<p><strong>We are on a journey towards financial independence. We are not there but running the race. This podcast will Encourage and Empower our peers, Gen X’er&#39;s to join along. Our goal, to share experiences and knowledge giving you  relatable and practical content towards building wealth. We’ll discuss entrepreneurship, stock market investing, real estate, wealth building and everything in between. Enjoy the podcast.</strong></p>]]></description>
        
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        <podcast:locked>no</podcast:locked>
        <itunes:owner>
            <itunes:name>Andray &amp; Maisha</itunes:name>
            <itunes:email>idontdotoilets@gmail.com</itunes:email>
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                <itunes:title>Episode 20: A Milestone, Lets Celebrate</itunes:title>
                <title>Episode 20: A Milestone, Lets Celebrate</title>

                <itunes:episode>20</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:summary>We made it to episode 20. This is a milestone, a time to reflect &amp; Celebrate! The journey was longer than anticipated but me made it.  On this episode we provide updates, discuss setbacks, and celebrate arriving at Ep20</itunes:summary>
                <description><![CDATA[<p>We made it to episode 20. This is a milestone, a time to reflect &amp; Celebrate! The journey was longer than anticipated but me made it. On this episode we provide updates, discuss setbacks, and celebrate arriving at Ep20!</p>]]></description>
                <content:encoded>&lt;p&gt;We made it to episode 20. This is a milestone, a time to reflect &amp;amp; Celebrate! The journey was longer than anticipated but me made it. On this episode we provide updates, discuss setbacks, and celebrate arriving at Ep20!&lt;/p&gt;</content:encoded>
                
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                <pubDate>Mon, 13 Sep 2021 20:16:26 &#43;0000</pubDate>
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                <itunes:duration>1528</itunes:duration>
                
                
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                <itunes:title>Episode 19:  Big Bank Gives Little Bank</itunes:title>
                <title>Episode 19:  Big Bank Gives Little Bank</title>

                <itunes:episode>19</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:summary>The Bank is taking all of my money, using it, and giving back .02% in return. It’s ridiculous. Truthfully, banks are using your money and cashing in big. On this episode we highlight purpose of a bank, services of a bank, and how banks profit $$$$ off your $.</itunes:summary>
                <description><![CDATA[<p>The Bank is taking all of my money, using it, and giving back .02% in return. It’s ridiculous. Truthfully, banks are using your money and cashing in big. On this episode we highlight purpose of a bank, services of a bank, and how banks profit $$$$ off your $. Banks are getting theirs but you are not. Listen to be empowered. Increase your size of the pie.</p>]]></description>
                <content:encoded>&lt;p&gt;The Bank is taking all of my money, using it, and giving back .02% in return. It’s ridiculous. Truthfully, banks are using your money and cashing in big. On this episode we highlight purpose of a bank, services of a bank, and how banks profit $$$$ off your $. Banks are getting theirs but you are not. Listen to be empowered. Increase your size of the pie.&lt;/p&gt;</content:encoded>
                
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                <pubDate>Fri, 03 Sep 2021 14:57:29 &#43;0000</pubDate>
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                <itunes:duration>2016</itunes:duration>
                
                
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                <itunes:title>Episode 18:  Black Wall Street</itunes:title>
                <title>Episode 18:  Black Wall Street</title>

                <itunes:episode>18</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:subtitle>Black Wall Street</itunes:subtitle>
                <itunes:summary>On this episode we reflect on recent trip to Tulsa Ok and discuss the importance this piece of Black History that was omitted in our education. We were in awe of the history, stories, and records that were documented. The reflection was emotional, but empowering.</itunes:summary>
                <description><![CDATA[<p>On this episode we reflect on recent trip to Tulsa Ok and discuss the importance this piece of Black History that was omitted in our education. We were in awe of the history, stories, and records that were documented. The reflection was emotional, but empowering</p>]]></description>
                <content:encoded>&lt;p&gt;On this episode we reflect on recent trip to Tulsa Ok and discuss the importance this piece of Black History that was omitted in our education. We were in awe of the history, stories, and records that were documented. The reflection was emotional, but empowering&lt;/p&gt;</content:encoded>
                
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                <pubDate>Thu, 19 Aug 2021 18:17:00 &#43;0000</pubDate>
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                <itunes:duration>1563</itunes:duration>
                
                
                <itunes:explicit>no</itunes:explicit>
                
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                <itunes:title>Episode 17:  Returning back to the office? NOPE!</itunes:title>
                <title>Episode 17:  Returning back to the office? NOPE!</title>

                <itunes:episode>17</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:subtitle>Back to the OFFICE</itunes:subtitle>
                <itunes:summary>Working from home has been awesome. Working from home has improve quality of life. From recent article, folks are not wanting to return to office

Listen to how we handled to new change and outlook on return to the office</itunes:summary>
                <description><![CDATA[<p>Working from home has been awesome. Working from home has improve quality of life. From recent article, folks are not wanting to return to office</p><p>Listen to how we handled to new change and outlook on return to the office</p>]]></description>
                <content:encoded>&lt;p&gt;Working from home has been awesome. Working from home has improve quality of life. From recent article, folks are not wanting to return to office&lt;/p&gt;&lt;p&gt;Listen to how we handled to new change and outlook on return to the office&lt;/p&gt;</content:encoded>
                
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                <pubDate>Sat, 14 Aug 2021 02:29:29 &#43;0000</pubDate>
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                <itunes:duration>1594</itunes:duration>
                
                
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                <itunes:title>Episode 16: Freedom!  It’s Juneteenth!</itunes:title>
                <title>Episode 16: Freedom!  It’s Juneteenth!</title>

                <itunes:episode>16</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:summary>Freedom, what does it look like for you? Does it come in the form of your schedule, job, health, or wealth? Having information is power and being left out in the dark can halt your freedom. Now more than ever we have information at our fingertips just waiting to be implemented. Juneteenth is a holiday of freedom. In this episode we explain why.</itunes:summary>
                <description><![CDATA[<p>Freedom, what does it look like for you? Does it come in the form of your schedule, job, health, or wealth? Having information is power and being left out in the dark can halt your freedom. Now more than ever we have information at our fingertips just waiting to be implemented. Juneteenth is a holiday of freedom. In this episode we explain why.</p>]]></description>
                <content:encoded>&lt;p&gt;Freedom, what does it look like for you? Does it come in the form of your schedule, job, health, or wealth? Having information is power and being left out in the dark can halt your freedom. Now more than ever we have information at our fingertips just waiting to be implemented. Juneteenth is a holiday of freedom. In this episode we explain why.&lt;/p&gt;</content:encoded>
                
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                <pubDate>Fri, 02 Jul 2021 00:23:43 &#43;0000</pubDate>
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                <itunes:duration>2040</itunes:duration>
                
                
                <itunes:explicit>no</itunes:explicit>
                
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                <itunes:title>Episode 15: Retirement crossroad</itunes:title>
                <title>Episode 15: Retirement crossroad</title>

                <itunes:episode>15</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:subtitle>Slogging through or not</itunes:subtitle>
                <itunes:summary>Have you been slogging through you career? Stuck in the middle, 15-20 years behind you with 15-20 more years ahead. Daunting! We know! But what decision will you make? Have you made plans? If these thoughts have crossed your mind you are not alone alone. Are you at the crossroad?</itunes:summary>
                <description><![CDATA[<p>Have you been slogging through you career? Stuck in the middle, 15-20 years behind you with 15-20 more years ahead. Daunting! We know! But what decision will you make? Have you made plans? If these thoughts have crossed your mind you are not alone alone. Are you at the crossroad? </p>]]></description>
                <content:encoded>&lt;p&gt;Have you been slogging through you career? Stuck in the middle, 15-20 years behind you with 15-20 more years ahead. Daunting! We know! But what decision will you make? Have you made plans? If these thoughts have crossed your mind you are not alone alone. Are you at the crossroad? &lt;/p&gt;</content:encoded>
                
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                <pubDate>Fri, 11 Jun 2021 20:34:00 &#43;0000</pubDate>
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                <itunes:duration>2525</itunes:duration>
                
                
                <itunes:explicit>no</itunes:explicit>
                
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                <itunes:title>Episode 14: She wants to travel but has an attitude</itunes:title>
                <title>Episode 14: She wants to travel but has an attitude</title>

                <itunes:episode>14</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:subtitle>Travitude</itunes:subtitle>
                <itunes:summary>Summer 2020 left our family stuck in confined living quarters (these 4 walls). The distress has lingered too long and Maisha developed travitude. So in this episode we break down “travitude” and discuss tips for saving money during upcoming travel season.</itunes:summary>
                <description><![CDATA[<p>Summer 2020 left our family stuck in confined living quarters (these 4 walls). The distress has lingered too long and Maisha developed travitude. So in this episode we break down “travitude” and discuss tips for saving money during upcoming travel season. Summer 2021 should be exciting</p>]]></description>
                <content:encoded>&lt;p&gt;Summer 2020 left our family stuck in confined living quarters (these 4 walls). The distress has lingered too long and Maisha developed travitude. So in this episode we break down “travitude” and discuss tips for saving money during upcoming travel season. Summer 2021 should be exciting&lt;/p&gt;</content:encoded>
                
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                <pubDate>Wed, 02 Jun 2021 18:41:46 &#43;0000</pubDate>
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                <itunes:duration>1833</itunes:duration>
                
                
                <itunes:explicit>no</itunes:explicit>
                
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                <itunes:title>Episode 13: Mind &amp; Behavior - Has it shifted?</itunes:title>
                <title>Episode 13: Mind &amp; Behavior - Has it shifted?</title>

                <itunes:episode>13</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:summary>In this episode we discussed a list of books emailed by a listener.  A great list of books!  Two questions were asked by listener.  Has your mind shifted? Has your behavior shifted? Great question and we share our answers.</itunes:summary>
                <description><![CDATA[<p>In this episode we discussed a list of books emailed by a listener. A great list of books! Two questions were asked by listener. Has your mind shifted? Has your behavior shifted? Great questions and we share our answers.</p>]]></description>
                <content:encoded>&lt;p&gt;In this episode we discussed a list of books emailed by a listener. A great list of books! Two questions were asked by listener. Has your mind shifted? Has your behavior shifted? Great questions and we share our answers.&lt;/p&gt;</content:encoded>
                
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                <pubDate>Thu, 27 May 2021 19:37:21 &#43;0000</pubDate>
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                <itunes:duration>1594</itunes:duration>
                
                
                <itunes:explicit>no</itunes:explicit>
                
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                <itunes:title>Episode 12: The Hustle! Higher Education is Big Business!</itunes:title>
                <title>Episode 12: The Hustle! Higher Education is Big Business!</title>

                <itunes:episode>12</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:summary>Higher education is big business. Their goal is to make a profit. Unfortunately, our society conveys the message that you need a degree to be successful and a productive citizen in our world. Well, this is at least the story we were told. Furthermore with much emphasis placed on receiving a degree, the affordability is disheartening. What plan do you have to combat the rising cost of higher education?</itunes:summary>
                <description><![CDATA[<p>Higher education is big business. Their goal is to make a profit. Unfortunately, our society conveys the message that you need a degree to be successful and a productive citizen in our world. Well, this is at least the story we were told. Furthermore with much emphasis placed on receiving a degree, the affordability is disheartening. What plan do you have to combat the rising cost of higher education?</p>]]></description>
                <content:encoded>&lt;p&gt;Higher education is big business. Their goal is to make a profit. Unfortunately, our society conveys the message that you need a degree to be successful and a productive citizen in our world. Well, this is at least the story we were told. Furthermore with much emphasis placed on receiving a degree, the affordability is disheartening. What plan do you have to combat the rising cost of higher education?&lt;/p&gt;</content:encoded>
                
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                <pubDate>Fri, 09 Apr 2021 22:44:00 &#43;0000</pubDate>
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                <itunes:duration>3200</itunes:duration>
                
                
                <itunes:explicit>no</itunes:explicit>
                
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                <itunes:title>Episode 11: Pay Off My Debt or Should I Invest First?</itunes:title>
                <title>Episode 11: Pay Off My Debt or Should I Invest First?</title>

                <itunes:episode>11</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:subtitle>Invest</itunes:subtitle>
                <itunes:summary>In this episode a listener ask should I invest or pay off debt first? We discuss why we think traditional strategies were a mistake and some of the teaching financial gurus steer you toward this as the “best” method. Personally, if we had the chance to do it all over again we would have invested getting massive returns. Remember it is &#34;time in the market&#34; not timing the market.</itunes:summary>
                <description><![CDATA[<p>In this episode a listener ask should I invest or pay off debt first? We discuss why we think traditional strategies were a mistake and some of the teaching financial gurus steer you toward this as the “best” method. Personally, if we had the chance to do it all over again we would have invested getting massive returns. Remember it is &#34;time in the market&#34; not timing the market.</p>]]></description>
                <content:encoded>&lt;p&gt;In this episode a listener ask should I invest or pay off debt first? We discuss why we think traditional strategies were a mistake and some of the teaching financial gurus steer you toward this as the “best” method. Personally, if we had the chance to do it all over again we would have invested getting massive returns. Remember it is &amp;#34;time in the market&amp;#34; not timing the market.&lt;/p&gt;</content:encoded>
                
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                <pubDate>Fri, 02 Apr 2021 21:35:20 &#43;0000</pubDate>
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                <itunes:duration>1244</itunes:duration>
                
                
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                <itunes:title>Episode 10: 2020 Remnant</itunes:title>
                <title>Episode 10: 2020 Remnant</title>

                <itunes:episode>10</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:summary>A bad decision led to a bad purchase. This episode was recorded during Texas power outage with only day time sun light. We were cold and stuck at home so we decided it’s time to get on the hot seat and get a bit transparent about our money moves. We made a bad purchase, but listen and hear how we flipped it in our favor. We also share lessons you can take on your own personal financial journey and even some financial marriage advice.</itunes:summary>
                <description><![CDATA[<p>A bad decision led to a bad purchase. This episode was recorded during Texas power outage with only day time sun light. We were cold and stuck at home so we decided it’s time to get on the hot seat and get a bit transparent about our money moves. We made a bad purchase, but listen and hear how we flipped it in our favor. We also share lessons you can take on your own personal financial journey and even some financial marriage advice.</p>]]></description>
                <content:encoded>&lt;p&gt;A bad decision led to a bad purchase. This episode was recorded during Texas power outage with only day time sun light. We were cold and stuck at home so we decided it’s time to get on the hot seat and get a bit transparent about our money moves. We made a bad purchase, but listen and hear how we flipped it in our favor. We also share lessons you can take on your own personal financial journey and even some financial marriage advice.&lt;/p&gt;</content:encoded>
                
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                <pubDate>Thu, 11 Mar 2021 19:22:00 &#43;0000</pubDate>
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                <itunes:duration>2865</itunes:duration>
                
                
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                <itunes:title>Episode 9:  You Want to Invest, but???</itunes:title>
                <title>Episode 9:  You Want to Invest, but???</title>

                <itunes:episode>9</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:summary>You want to start investing into stock market but not sure where to start, how to start, or how much money to start with.  We dropped some gems as the temperature in our house fell rapidly during the Texas power outage.</itunes:summary>
                <description><![CDATA[<p>You want to start investing into stock market but not sure where to start, how to start, or how much money to start with.  We dropped some gems as the temperature in our house fell rapidly during the Texas power outage. </p>]]></description>
                <content:encoded>&lt;p&gt;You want to start investing into stock market but not sure where to start, how to start, or how much money to start with.  We dropped some gems as the temperature in our house fell rapidly during the Texas power outage. &lt;/p&gt;</content:encoded>
                
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                <pubDate>Wed, 10 Mar 2021 17:38:00 &#43;0000</pubDate>
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                <itunes:duration>2272</itunes:duration>
                
                
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                <itunes:title>Episode 8: Entrepreneurship &amp; Financial Independence</itunes:title>
                <title>Episode 8: Entrepreneurship &amp; Financial Independence</title>

                <itunes:episode>8</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:subtitle>Entrepreneurship &amp; Financial Independence</itunes:subtitle>
                <itunes:summary>As you are encouraging financial independence, can this only be achieved by working for yourself (Entrepreneurship) If so, what if you are not interested in having your own business, but desire financial independence? Also, is (Entrepreneurship) meant for everyone? Lets unpack questions from listener.</itunes:summary>
                <description><![CDATA[<p>As you are encouraging financial independence, can this only be achieved by working for yourself (Entrepreneurship) If so, what if you are not interested in having your own business, but desire financial independence? Also, is (Entrepreneurship) meant for everyone? Lets unpack questions from listener.</p>]]></description>
                <content:encoded>&lt;p&gt;As you are encouraging financial independence, can this only be achieved by working for yourself (Entrepreneurship) If so, what if you are not interested in having your own business, but desire financial independence? Also, is (Entrepreneurship) meant for everyone? Lets unpack questions from listener.&lt;/p&gt;</content:encoded>
                
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                <pubDate>Mon, 15 Feb 2021 23:12:00 &#43;0000</pubDate>
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                <itunes:duration>1627</itunes:duration>
                
                
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                <itunes:title>Episode 7: One Night in Austin</itunes:title>
                <title>Episode 7: One Night in Austin</title>

                <itunes:episode>7</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:subtitle>Austin Texas</itunes:subtitle>
                <itunes:summary>Preparation is the key to success and there are no failures only lessons. Listen as we discuss how one night in Austin and the people we met was the culmination of our trial and error as well as preparation. This night created the the fire that lit the paradigm shift needed in our journey to freedom!</itunes:summary>
                <description><![CDATA[<p>Preparation is the key to success and there are no failures only lessons. Listen as we discuss how one night in Austin and the people we met was the culmination of our trial and error as well as preparation. This night created the fire that lit the paradigm shift needed in our journey to freedom!</p>]]></description>
                <content:encoded>&lt;p&gt;Preparation is the key to success and there are no failures only lessons. Listen as we discuss how one night in Austin and the people we met was the culmination of our trial and error as well as preparation. This night created the fire that lit the paradigm shift needed in our journey to freedom!&lt;/p&gt;</content:encoded>
                
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                <pubDate>Wed, 10 Feb 2021 21:00:00 &#43;0000</pubDate>
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                <itunes:duration>3009</itunes:duration>
                
                
                <itunes:explicit>no</itunes:explicit>
                
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            <item>
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                <itunes:title>Episode 6: $200k Debt Unpacked</itunes:title>
                <title>Episode 6: $200k Debt Unpacked</title>

                <itunes:episode>6</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:subtitle>Debt Free Blueprint</itunes:subtitle>
                <itunes:summary>In previous episode, we discussed the overwhelming amount of debt paid off in a 6 year span. On this episode we unpack how we did it and challenges surrounding using a strategic plan. i.e. A budget!</itunes:summary>
                <description><![CDATA[<p>In previous episode, we discussed the overwhelming amount of debt paid off in a 6 year span. On this episode we unpack how we did it and challenges surrounding using a strategic plan. i.e. A budget!</p>]]></description>
                <content:encoded>&lt;p&gt;In previous episode, we discussed the overwhelming amount of debt paid off in a 6 year span. On this episode we unpack how we did it and challenges surrounding using a strategic plan. i.e. A budget!&lt;/p&gt;</content:encoded>
                
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                <pubDate>Thu, 04 Feb 2021 00:24:00 &#43;0000</pubDate>
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                <itunes:duration>2838</itunes:duration>
                
                
                <itunes:explicit>no</itunes:explicit>
                
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            <item>
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                <itunes:title>Episode 5: $200k&#43; amount of DEBT PAID OFF!</itunes:title>
                <title>Episode 5: $200k&#43; amount of DEBT PAID OFF!</title>

                <itunes:episode>5</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:subtitle>Black Wealth! Black Financial Independence! Passive Income! Debt Free!</itunes:subtitle>
                <itunes:summary>With a shoulder shrug she said $100k of student loans, like it was a test score. All relationships have a beginning. It is great to begin a relationship financially burden free. A rocky start could impede relationship success. Finances are a top reason why marriages end. Out the racing block, we were $101,500 in student loan debt. Student loans plus additional car loans snowball quickly. GEESH!!!</itunes:summary>
                <description><![CDATA[<p>With a shoulder shrug she said $100k of student loans, like it was a test score. All relationships have a beginning. It is great to begin a relationship financially burden free. A rocky start could impede relationship success. Finances are a top reason why marriages end. Out the racing block, we were $101,500 in student loan debt. Student loans plus additional car loans snowball quickly. GEESH!!!  </p>]]></description>
                <content:encoded>&lt;p&gt;With a shoulder shrug she said $100k of student loans, like it was a test score. All relationships have a beginning. It is great to begin a relationship financially burden free. A rocky start could impede relationship success. Finances are a top reason why marriages end. Out the racing block, we were $101,500 in student loan debt. Student loans plus additional car loans snowball quickly. GEESH!!!  &lt;/p&gt;</content:encoded>
                
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                <pubDate>Wed, 27 Jan 2021 17:35:00 &#43;0000</pubDate>
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                <itunes:duration>3518</itunes:duration>
                
                
                <itunes:explicit>no</itunes:explicit>
                
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                <itunes:title>Episode 4: On F.I.R.E.</itunes:title>
                <title>Episode 4: On F.I.R.E.</title>

                <itunes:episode>4</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:subtitle>We talk about living like no other, so you can live like no other.</itunes:subtitle>
                <itunes:summary>Saving 70% of your income and living off of 30% will eliminate your workforce tenure.  Today we talk F.I.R.E., the movement, lifestyle, and possibilities to economically change your life.</itunes:summary>
                <description><![CDATA[<p><strong>You were taught to save 15-20% and live off of 80-85%. How about we flip that? Let&#39;s talk saving and investing 70% of your income and living off of 30%. This method will shorten your workforce tenure while putting your dollars to work. Today we introduce you to F.I.R.E. the movement, lifestyle, and possibilities to economically change your life.  This episode will introduce you to the concept and why we are currently taking the journey.  </strong></p>]]></description>
                <content:encoded>&lt;p&gt;&lt;strong&gt;You were taught to save 15-20% and live off of 80-85%. How about we flip that? Let&amp;#39;s talk saving and investing 70% of your income and living off of 30%. This method will shorten your workforce tenure while putting your dollars to work. Today we introduce you to F.I.R.E. the movement, lifestyle, and possibilities to economically change your life.  This episode will introduce you to the concept and why we are currently taking the journey.  &lt;/strong&gt;&lt;/p&gt;</content:encoded>
                
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                <pubDate>Wed, 20 Jan 2021 14:54:22 &#43;0000</pubDate>
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                <itunes:duration>1303</itunes:duration>
                
                
                <itunes:explicit>no</itunes:explicit>
                
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            <item>
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                <itunes:title>Episode 3: The Blueprint</itunes:title>
                <title>Episode 3: The Blueprint</title>

                <itunes:episode>3</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:subtitle>To build, you need a blueprint</itunes:subtitle>
                <itunes:summary>To build, you need a detailed plan.  In this podcast we lay out our blueprint to building wealth and establishing financial independence.  The blueprint will outline mindset change, millennial influence, baby boomer woes, fear factor and much more!</itunes:summary>
                <description><![CDATA[<p><strong>To build, you need a detailed plan. In this podcast we lay out our blueprint to building wealth and establishing financial independence. The blueprint will outline mindset change, millennial influence, baby boomer woes, fear factor and much more!  </strong></p>]]></description>
                <content:encoded>&lt;p&gt;&lt;strong&gt;To build, you need a detailed plan. In this podcast we lay out our blueprint to building wealth and establishing financial independence. The blueprint will outline mindset change, millennial influence, baby boomer woes, fear factor and much more!  &lt;/strong&gt;&lt;/p&gt;</content:encoded>
                
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                <pubDate>Mon, 18 Jan 2021 14:48:16 &#43;0000</pubDate>
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                <itunes:duration>2161</itunes:duration>
                
                
                <itunes:explicit>no</itunes:explicit>
                
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                <itunes:title>Episode 2: Be the Bank</itunes:title>
                <title>Episode 2: Be the Bank</title>

                <itunes:episode>2</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:subtitle>Home: Asset or Liability?</itunes:subtitle>
                <itunes:summary>We secured a down payment and monthly income.  Real estate building wealth has been consistent for many years.  However we discuss wealth is not in your home unless your home is an asset.  The home you live in is not an asset.</itunes:summary>
                <description><![CDATA[<p><strong>Real Estate Remix. We secured a down payment and monthly income all while not worrying about managing a property. We did this utilizing a method of Owner Finance. We call this the real estate remix where we get to BE THE BANK. Its been around for a long time but its a gem we discovered that fits the &#34;I don&#39;t do toilets&#34; mantra. Real estate is a consistent go-to for building wealth but most think in terms of realtor or landlord tenant relationship. We discuss this method as well as our &#34;aha&#34; moment that wealth is not in your personal home. We will define what an asset is as well as what is a liability. These definitions should define how you spend your money.</strong></p>]]></description>
                <content:encoded>&lt;p&gt;&lt;strong&gt;Real Estate Remix. We secured a down payment and monthly income all while not worrying about managing a property. We did this utilizing a method of Owner Finance. We call this the real estate remix where we get to BE THE BANK. Its been around for a long time but its a gem we discovered that fits the &amp;#34;I don&amp;#39;t do toilets&amp;#34; mantra. Real estate is a consistent go-to for building wealth but most think in terms of realtor or landlord tenant relationship. We discuss this method as well as our &amp;#34;aha&amp;#34; moment that wealth is not in your personal home. We will define what an asset is as well as what is a liability. These definitions should define how you spend your money.&lt;/strong&gt;&lt;/p&gt;</content:encoded>
                
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                <pubDate>Thu, 14 Jan 2021 14:43:35 &#43;0000</pubDate>
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                <itunes:duration>2755</itunes:duration>
                
                
                <itunes:explicit>no</itunes:explicit>
                
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            <item>
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                <itunes:title>Episode 1: The Intro</itunes:title>
                <title>Episode 1: The Intro</title>

                <itunes:episode>1</itunes:episode>
                <itunes:season>1</itunes:season>
                <itunes:author>Andray &amp; Maisha</itunes:author>
                <itunes:subtitle>P.S.A. to Generation X! We are talking to YOU specifically</itunes:subtitle>
                <itunes:summary>P.S.A to Generation X! Our vision is simple - Let our dollars do the work!  This podcast is about our journey towards building wealth.  We want to share our knowledge and experiences so you can be Encouraged and Empowered to do the same.  In this episode, we’ll share the vision for this podcast, introduce ourselves, and recap 2020 blessings. You will learn more about us and upcoming episodes</itunes:summary>
                <description><![CDATA[<p><strong>P.S.A--PUBLIC SERVICE ANNOUNCEMENT to Generation X! Our vision is simple - Let our dollars do the work and treat our time as the precious resource that it is! This podcast is about our journey towards reducing debt and building wealth through investments. We want to share our knowledge and experiences so you can be Encouraged and Empowered to do the same. In this episode, we’ll share the vision for this podcast, introduce ourselves, and recap 2020 blessings. You will learn more about us and what to expect in upcoming episodes.</strong></p>]]></description>
                <content:encoded>&lt;p&gt;&lt;strong&gt;P.S.A--PUBLIC SERVICE ANNOUNCEMENT to Generation X! Our vision is simple - Let our dollars do the work and treat our time as the precious resource that it is! This podcast is about our journey towards reducing debt and building wealth through investments. We want to share our knowledge and experiences so you can be Encouraged and Empowered to do the same. In this episode, we’ll share the vision for this podcast, introduce ourselves, and recap 2020 blessings. You will learn more about us and what to expect in upcoming episodes.&lt;/strong&gt;&lt;/p&gt;</content:encoded>
                
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                <pubDate>Wed, 13 Jan 2021 14:34:33 &#43;0000</pubDate>
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                <itunes:duration>1631</itunes:duration>
                
                
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