We all want a raise, but what if you didn’t have to wait for your boss to give you one?In this episode, we’re breaking down how to actually give yourself a raise without changing jobs, negotiating with HR, or picking up a side hustle. From canceling forgotten subscriptions to rethinking professional services, we're exposing the cash leaks hiding in plain sight and showing you how to reclaim money that's already yours.If you’re looking for a 2025 mid-year financial review project that will have a real impact, this is it. You’ll learn how to:<ul><li>Stop paying for things you no longer use or value, including everyday services that quietly function like subscriptions</li><li>Use AI (yes, really) to audit your spending without uploading sensitive financial info</li><li>Revisit your debt terms to lower your interest or improve your cash flow</li><li>Treat PTO and work benefits like the paycheck boosters they are</li><li>Rebuild confidence by remembering you can do more for yourself if you need or choose to</li></ul>Because you know what they say…it ain’t always about how much you earn, it’s how much you keep Links:<ul><li><a href='https://podcasts.apple.com/us/podcast/ep-177-choosing-a-debt-payoff-strategy-and-why/id1562432041?i=1000666672811'>Episode 177 - Choosing a Debt Payoff Strategy and why it matters how you approach it </a></li><li>Mid-Year Financial Review Archives<ul><li>2024 - Ep 171: <a href='https://podcasts.apple.com/us/podcast/ep-171-why-you-need-a-brokerage-account-the-swiss/id1562432041?i=1000662318347'>Why you need a brokerage account</a> (the Swiss Army knife of investing) </li><li>2023 - Ep 121: <a href='https://podcasts.apple.com/us/podcast/ep-121-mid-year-review-financially-conquer-the-second/id1562432041?i=1000622932331'>Mid-Year Review: Financially Conquer the Second Half of the Year</a></li><li>2022 - Ep 67: <a href='https://podcasts.apple.com/us/podcast/rich-regular-with-kiersten-and-julien-saunders/id1562432041?i=1000570329587'>Conducting your mid-year financial review </a></li></ul></li></ul> Connect with Julien and Kiersten on our <a href='http://www.richandregular.com/'>website</a>, <a href='https://www.instagram.com/richandregular/'>Instagram</a>, <a href='https://twitter.com/richandregular'>Twitter</a>, and <a href='https://www.youtube.com/@richandregular'>YouTube</a>. <a href='https://richandregular.us19.list-manage.com/subscribe?u=ea4c6332a691ba7e83c195da7&id=dc61f8cd92'> Join our email list</a> to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book <a href='https://amzn.to/3uh2bn1'>Cashing Out: Win the Wealth Game by Walking Away</a>, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, <a href='https://richandregular.com/learn/'>Making Money Grow</a>

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Ep 220: How to give yourself a raise without changing jobs

rich & REGULAR with Kiersten and Julien Saunders

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