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Broke is Boring

Broke is Boring

By: Jane Freund and Tiffany Baker
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 Broke is Boring is the no-fluff, no-filter podcast for women who are done settling—for less money, less freedom, and less life. Hosted by Jane and Tiffany, two moms who traded survival mode for CEO energy, this show is your permission slip to want more—and go get it. We’re ditching dusty money myths, calling out the “play it safe” culture, and spilling the real tea on wealth, freedom, motherhood, and building a life that actually lights you up. Whether you’re scaling your biz, starting over, or just sick of broke energy in your circle—this is your space. Expect raw conversations, real strategies, and a little sass as we normalize big money, bold moves, and designing a life you’re obsessed with. Buckle up—broke is boring, and you’re not. Disclaimer: The Broke Is Boring podcast is intended for informational and educational purposes only. The views expressed by the hosts and guests are their own and do not constitute financial, legal, medical, tax, or professional advice. The content provided is based on personal experience and opinion and should not be considered a substitute for professional consultation. Always seek the advice of qualified professionals before making decisions related to finances, business, health, or legal matters. We may occasionally discuss topics such as entrepreneurship, network marketing, investing, real estate, travel, and income-generating opportunities. These discussions are for illustrative purposes only and are not guarantees of results. Individual outcomes will vary. In compliance with FTC guidelines, please note that this podcast may include affiliate links and promotional content. This means we may earn a commission or receive compensation if you choose to purchase products or services through links mentioned in the show or show notes. We only promote products and services we genuinely believe in. By listening to this podcast, you agree that the hosts, guests, and affiliated entities are not liable for any loss or damage incurred as a result of the information provided. All content is provided “as is” with no warranties and confers no rights.Copyright 2025 All rights reserved. Economics Leadership Management & Leadership Parenting & Families Personal Development Personal Success Relationships
Episodes
  • 23: We Built The Lives We Thought We Wanted, Now We're Dreaming Even Bigger

    23: We Built The Lives We Thought We Wanted, Now We're Dreaming Even Bigger
    Sep 1 2025
     Welcome back to another episode of Broke is Boring. Today we're gonna talk about how we built the lives we thought we wanted, but now we're dreaming even bigger. Is it possible to just continue to set goals? You know, if you, you set a goal, you, you achieve it, and then are you done? I think the answer has to be no. I actually find this to be in my business a lot because there's different ranks and so you strive so hard for one rank, you finally hit it, but you never just stop. Don't run to the rank, you run through it because then you go to the next one and the next one and you're, and Dan was like, so you're gonna stop when you hit that this one, right? And and I'm like, yeah, yeah, yeah, of course. That's six figures. I don't need anything more. Yeah, yeah, yeah. I'll stop then. Then you hit it and you're like, Ooh. But the next one is gonna open up even more doors and possibilities. And what I realized is like helping other people. Hit their goals in their business and their ranks in their business. Only just bring me up further and it becomes this kind of like win-win. And then it makes me never wanna stop. And I'm really struggling with this, honestly, like between you and me I retired my husband that well first, no. My first goal in my business when, which I started seven years ago, was to make the same, I would pay for daycare. Mm-hmm. So that way I knew, okay, if I wanna stay home when I have kids, I can. Then I hit that in the first couple months and then I said, okay, let me match my teaching salary. That was my next goal. We've talked about that. $38,000. I did that in my first year. Perfect. Done check. I can do that again, and now I can have this business be my primary income. If I want it to be approved to myself, I can. Then after I did that, my goal was to retire my husband. To, to get to an income level in my business where we would have that option because he was always super miserable in his finance job. And so that was a really big stretch goal that we hit last year. And so we decide, so when we booked this world cruise, it gave us a deadline. It gave us a specific date where we said, okay, he has to retire by that date so we can do this world cruise. And that's just kind of like putting all those pieces into action. Right. So then. I hit six figures in my business, which actually wasn't my goal. Again, money is never my goal. It's always what the money can do for me. It's always a tool. So hitting six figures was not actually a, a goal like it, it was part of it, part of the equation, but it wasn't the goal. So then last year, the day before his 40th birthday, Dan had his last day of work. It was awesome. He rode his bike in and rode, you know, was coming into the driveway and was like, meet, meet with this little, oh, I love that, that it was this little bike thing. That was fun. Okay, so then it was Dan retire and then we want to eventually planned a flag in Europe. So last summer we purchased a home in Ireland. For a variety of reasons, Ireland was the best place for us to plant that European flag. So. So I'm like, oh my God. Okay. I left my job, I made my income, I made enough that Dan could retire. I, I have a mom. I'm a mom of a healthy, happy, sweet kid. We now have this home in Europe. We're on this four month world cruise like. What is next for me? Like I, I'm actually struggling with this because I feel like I've, I have everything I've ever wanted and I, this is the first time in my life I haven't had like a huge life goal that I'm working toward. It's been so fun to watch you go through that, like understanding on the crews, you know, you, you and Dan kind of talked through this like you guys have been really successful at setting goals. Same with Marco and I and achieving them. So in our life, people will always come up to us and say, Hey, what have you guys got going on? Because they always know we have something going on. I'm gonna have something interesting to tell you and. That we're in the exact same position with you right now. When we go back, what do we have going on? What is the next thing? Our rental properties are doing great, and they all have brand new HVAC and roof and plumbing and electric. All the things that we have dealt with, all that sexy stuff. So many years. You know, when we were on the world cruise while there was like bad weather back in Indiana. This was the first winter where we weren't like, oh no, what is gonna happen now? You know, it's rainy again. What is going to flood? And knock on wood, we got through the entire season and it was like, oh my gosh, we did it. Like we have good sustainable properties. This is going well. Well now what is next? Hold on. I do wanna point something out though, because I feel like we're in the one percenters of the people who actually hit make, make that goal and then say, okay, what do I have to do to hit that goal? A, B, C, D. Okay, let me do A, B, C, D. Like, what Gene do you and I have what? Like. ...
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    16 mins
  • 22: Why Go To Couples Therapy When You Can Go To Iceland?

    22: Why Go To Couples Therapy When You Can Go To Iceland?
    Aug 25 2025
     Welcome to Broke is Boring. The podcast where we stop glorifying the struggle and start talking about what really matters. Freedom, living life on your own terms and the money you need to make that happen. We're your hosts, Tiffany and Jane, and we're two mamas who love making money and spending it on the things that truly matter to us. So pull up a seat at our table and let's get into it because Broke is boring and we are here to prove that money does in fact buy happiness. 1, 2, 3.  Welcome back to Broke is Boring. And today we're gonna talk about who needs couples therapy when you've got Iceland. Hello from Iceland, and we are here with our amazing friend Danielle, who also somehow crushed this romantic getaway that Tiffany and Mark planned. So let's back it all the way up. How the heck did we end up in this camper right here, huddled around our phone in Iceland to record this. Okay, so every year my parents for Christmas give us a Christmas gift of a, it started out as a weekend away. Well the first time they did that, mark and I went to Belgium for the weekend, from Indianapolis for the weekend. Yeah, because. My mom thought I was gonna like spend a romantic evening at melting pot, like having fondue with Mark in downtown Indy. No, no, no, no, no. We're going pub hopping in Brussels. Thanks so much. And so that's what we did. And somehow over the years, it has actually gotten to be one week. So this year she said, Merry Christmas, you get a week away. Where are you gonna go? Well, we went on a world cruise and I'm like, I don't know. I can't think past the world cruise. Go on the world cruise. We come back and we're like, Hmm. Jane and Dan always talked about Iceland on the cruise. Well, no, you said, where should we go? And I said, go to Iceland, but do it in a way you can't do it with your kids, which should be in a camper van. And so we did. So we were like, okay, we're doing it. We booked it. That's, hold on. That's one thing I actually really love about you guys. You always say what you're gonna do. You are like, that sounds great. And then two days later you're like, so we booked that. Like you don't think twice about anything and I really admire that about you. I think that's why Danielle and I have. Definitely connected over the years. Like so we're cousins growing up, we were, how, how different do we have six years difference. Age difference. Yes. Six or five. Yeah. So, so we were close growing up and then Danielle and Ethan came to visit us when we lived in Italy, and I think that was really when we like hit it off and kind of got the travel bug in you guys also. Is that like Yes, a right scenario? Yeah, it really was when we saw you guys in Italy and we saw it was our first experience going overseas and getting to like really hang out with you guys for an extended period of time and we realized we had so much in common. So yeah, ever since then we've loved, like following what you guys do and trying to make our own version of it too. And they've done it so they are traveling all over with their kids too. And so, when you suggested that we do a camper van in Iceland, we're like, okay, yeah, we're gonna go do that. And then what happened ladies? And then we got jealous and we're like, well. I wanna come on that. We, we wanna come. Yeah. That actually sounds amazing, weren't it? And then I was like, there's no way my mom would watch Luca for a whole week. And I don't know how she said it. I think I, I probably planted the seed. 'cause I'm really good at that. Yes, you are. And I'm like, oh mom, Tiffany and Mark are going to Iceland for a week. How amazing is that? They're doing it without kids and, and then I think she eventually offered and we took her up on it immediately. Yeah, that's right. Because I think on the world cruise we had discussed that we have this week away. So Betsy was there also listening to my parents talk about all the shenanigans we've gotten into over the years, getting this week away. And then when she offered to watch Luca for the week, then even Mark and I were like, you have to come. Like this is the opportunity of a lifetime. Let's go. Well then it was like that weekend, right? We went to one of my, I, my cousin's house we're playing, I think we were playing kickball. Kickball that weekend. Kickball, yes. And we're talking about it. And then we ended up, yeah, we ended up crashing along to, I don't even remember our exact conversation, but we were like. We're in, like, that sounds amazing. You want to come And we actually have never done a kid free trip ever. My oldest son's nine years old and we've never been away for any kind of trip. So we went to my mom and was like so what do you think about this? And she agreed. It was really funny because Ethan said that or maybe you said your mom. Asked like, why Iceland? And you're like, yeah, yeah. We were like, we've never been. It sounds awesome. It looks beautiful. And the only, the only rule was that we ...
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    17 mins
  • 21: Normalize Wanting More Than a PTO Day and a Patio Set

    21: Normalize Wanting More Than a PTO Day and a Patio Set
    Aug 18 2025
     Welcome back to Broke is Boring, and today's topic is normalize. Wanting more than a PTO day and a patio set. Oh my gosh. This title is ridiculous, and also that used to be my freaking bucket list that is as big as I could dream, right? Is getting the next day off work the next federal holiday how to celebrate Columbus Day. For my long weekend, three day. Come on. My God. Remember you used to try to like, strategically match, like get yeah. Get your Friday or your Tuesday so you could have an extra day in there Now. I literally don't even know what day it is. I don't get, it doesn't, it's today. Okay. Okay, so I have a story. So I actually used to have like a real bucket list, like I used to like write it down and have it on my refrigerator. Did you ever like have this? Absolutely. It had like 300 things on it. Of course, I would love to find that it was on a piece of paper, piece of fun, right? So I was in Amsterdam with Mark. We have a lot of fun stories from Amsterdam in this particular tale. We are on a boat, one of those like touristy like boats through the canal. We've been to Amsterdam like 20 times and finally we're like, oh my God, we've never actually done that. Let's go do that. Okay, so we're on the boat. We're going through the canals. Fun way to see Amsterdam because it's just so like unique and being on the water and looking up at all the crazy architecture is just really fun. Okay, mark is looking out the window and we had been living in Italy. We had been checking off a bunch from that bucket list, and we were living the dink life. And he says, we have too many checks on our bucket list. We need a new bucket list. And in the moment I start giggling. And I go, oh, I'm taking a picture of this right now because I will never forget this moment for the rest of my whole entire life. And I did. And I took a picture of him looking out this window and saying, we have too many checks on our bucket list. We need a new bucket list. And we're like 29 years old. It was just this moment that was just like, oh my gosh, how did we somehow get here Where. We have this list of things to do that are just like such big dreams and we did them. And also we're not willing to just go, huh, alright. We did it. I guess. I guess that's how that story ends. No, the story keeps continuing. Add another chapter that's this occupational hazard in the travel business because you book these incredible trips for people and then you're like but I wanted to go, I wanna do that too. So now my bucket list does not have a new patio set or a how to maximize my next PTO day. I no longer have PTO days. I just have days and actually I don't even know if there's anything tangible on my list at all. You have anything tangible on a, on your bucket list? Oh, yeah, you do? Let's talk about it, baby. Okay, so my. Old bucket list was all destinations. Like I don't care about phones and cars and things like that. I just like to travel. So until now they've always been travel related items and I still have places I really wanna go. I wanna go to Antarctica and I'd love to go to Nepal. I wanna do, I'm not gonna climb to Everest Space Camp, but, but I'll do like a helicopter ride around. So there's definitely things I wanna do. But. One of those is get European citizenship. That's something big on my list right now because we just love having options and so. Our family is in this transitional phase right now where we're moving to Ireland and we bought a home there last year, which was, it's a great home. It's, it's not the shiny object home. It's a nice four bedroom, three baths, detached home in, in walkable to town, a nice little suburban neighborhood. It'll be perfect for us, but I found my dream house. Like probably four or five months ago. Okay. So we were actually on the world cruise. We were on our cruise, and I said, oh my God, bakers, look at this house. And they were like, yeah, that's a sick house. And I could not get it out of my mind, like I. You know, when you like see yourself somewhere and I'm like, I wanna be making french toast in that kitchen and I wanna have coffee and drink it right there, and I wanna do all of these things like, you see yourself in that house. But it was, it's expensive. Like it for us, you know, it's expensive as relative for us. It's, it's an expensive house. And so I, I let it as a pipe dream to just say, okay, one day I wanna live in a place like that. And it, it sat for a little while and then it went under contract and I felt, I, I, I felt like a gut punch. 'cause I was like, okay, that house isn't gonna be mine, but maybe in five years when I'm ready, that house will come back up on the market and I can buy because there's truly nothing else like this house. And then. A, a month later it went back on the market and I said, oh my God, Dan, that house again. I just, I couldn't get this place outta my head and I said to him. Like, Hey, could we actually look at this? Like, is this a huge ...
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    13 mins
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