Travis helps you navigate the insane world of student loans, especially if you owe $20,000 to $1 million. If you've ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people's mortgage.
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Travis Hornsby Podcasts
Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living ...
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Jamila Souffrant is a Certified Financial Education Instructor (CFEI), host of the Journey To Launch podcast and author of "Your Journey to Financial Freedom: A Step-By-Step Guide to Achieving Wealth and Happiness". The Journey To Launch podcast explores all aspects of reaching Financial Freedom; from increasing income, paying off debt, investing, saving & learning how to retire early and wealthy. The book, "Your Journey to Financial Freedom: A Step-By-Step Guide to Achieving Wealth and Happ ...
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Financial Independence Exists on a Spectrum (Bestie Ep) #1005
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50:15Are you ‘credit card FI’ or are you ‘sabbatical FI?’ But maybe we’re getting ahead of ourselves… First, does anyone else remember the home run obsession back in 1998? In an attempt to beat the single-season record, home runs became the only metric that anyone watching baseball seemed to care about. But what’s interesting is that most MLB games aren…
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Episode 433: Paying Off $14K in Debt & Finding Financial Clarity w/ Journeyer Lori-Sara Gauthier
37:41
37:41
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37:41This week on the Journey to Launch podcast, I’m joined by Lori-Sara Gauthier, a public health worker based in Toronto who is in the thick of transforming her finances and her mindset. Lori-Sara recently paid off $14,000 in consumer debt, is working on eliminating her student loans, and is intentionally charting a path toward financial freedom. Lori…
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Use It Up, Wear It Out, Make It Do, or Do Without with Katy Wolk-Stanley (Bestie Ep) #1004
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51:58
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51:58Everybody has heard of a consumer advocate before- someone who helps to make sure that individuals are getting the best deal possible. Or to make sure that the quality of the products is up to snuff. For instance think of Consumer Reports and the countless reporting and tests they perform on the different items we use as consumers. But you likely h…
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Senate Parliamentarian Drops a Bombshell Ruling
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21:12“Senate parliamentarian” isn’t exactly a household name, but her latest ruling is huge news for anyone with student debt. Learn what her surprise decision means for the Big Beautiful Bill Act and how it could shape repayment plans and forgiveness programs. You’ll find the specifics of what this means if you’re a Parent PLUS borrower, in dental and …
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Butchering Your Grocery Bill (Bestie Ep) #1003
52:22
52:22
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52:22Do you know something that we’re all currently doing? Breathing. It’s something we rarely actively think about, but it turns out that there are ways to improve our technique- by breathing through our nose instead of our mouths, or by taking deeper slower breaths. Well we’re talking about another basic subject today: buying groceries. This elementar…
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Essential Habits For Financial Success (Bestie Ep) #1002
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53:40Close your eyes and think back to high school. No matter if those were the best years of your life or if you were more of a wallflower, you were likely told that you needed to get good grades- but why? Was it because you knew that you needed a particular GPA in order to get into a specific school? Maybe, but a lot of high schoolers just know that i…
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Episode 432: Creating a Future of Flexibility & Financial Security with Jackie Kasper
34:25
34:25
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34:25This week on the Journey to Launch podcast, I’m joined by Jackie Kasper, a fellow Journeyer who’s intentionally building a life of connection and financial freedom. Jackie is a mom of two, a director of operations at a Chicago-based fintech startup, and someone who's actively pursuing Financial Independence (FI) within the next 2–7 years. We also d…
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Solutions for Money Anxiety with Financial Therapist Lindsay Bryan-Podvin (Bestie Ep) #1001
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57:10
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57:10There’s more to successfully handling your money than just figuring out the financial nuts and bolts. Money has emotional and psychological components to it as well, which is at the core of what our guest today focuses on. We’re happy to be joined by Lindsay Bryan-Podvin, who happens to be the first financial therapist in the state of Michigan. She…
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What Does the Reform Bill Mean for Married Borrowers?
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27:56If you're married, there’s a lot to consider in the latest student loan reform proposals. Discover what the changes being debated in Congress could mean for married borrowers, including the potential loss of “married filing separately” as a repayment strategy and how the new Repayment Assistance Plan (RAP) might affect your monthly payments. If you…
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Join us as we celebrate our 1000th episode with an AMA!!! We are incredibly thankful and fortunate that we’re able to create a podcast for listeners who are looking to better their lives by improving how they handle their money. Of course at the core of the show are ways to earn, save, spend, and invest more effectively… all with a little bit of Jo…
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We're (mini) Retiring! w/ Jillian Johnsrud #999
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58:51*Special Episode Alert*... take a peek behind the curtain as we have an intimate, candid chat with our friend Jillian Johnsrud, a master of intentional career breaks and author of the upcoming book Retire Often (out in September). As we take a summer hiatus from new podcast episodes, we dive deep with Jillian into the art of stepping away from work…
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Episode 431: Die with Zero & Get All You Can From Your Money and Your Life w/ Bill Perkins REWIND
52:04
52:04
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52:04Bill Perkins, author and founder, managing partner and head trader for Skylar Capital, joins the podcast to discuss how to live your best life no matter your income and his two decades of experience in the trading industry. We talk about the importance of balancing your financial goals with your time-appropriate life experiences and adding joy in y…
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From Monk to Money Manager w/ Doug Lynam #998
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51:15Today’s guest, Doug Lynam, has lived an extraordinary life! From overcoming bankruptcy to achieving financial security, taking vows of poverty as a Benedictine monk to managing over $250 million in assets as a wealth advisor, and graduating top of his class as a Marine to spending 20 years in monastic life, Doug’s journey is as diverse as it is ins…
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The Senate Student Loan Bill Is Much Worse Than Expected
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12:45The Senate just dropped its version of the student loan reform bill, and let’s just say… it’s not great. In fact, it’s worse than expected, especially if you have six-figure student debt, Parent PLUS loans, or are a future student. Learn what’s at stake, how it could completely reshape repayment options, and who (besides private lenders) might come…
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Ask HTM - Road Trips with Old Cars, Steps to Combining Finances, & When to Drop Escrow #997
51:31
51:31
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51:31Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
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Friday Flight - Dumpster Diving, Insurance Dodging, & Pudgy Penguins #996
40:48
40:48
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40:48Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
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Episode 430: How Christina Pivoted Careers, Tripled Her Income & Is Now on Track for Financial Independence with a $1.5M Goal
41:33
41:33
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41:33This week on the Journey to Launch Podcast, I’m speaking to fellow Journeyer, Christina Cates, a pediatric surgery physician assistant in Florida who pivoted from her career as a dietitian to triple her income and build a path toward financial independence (FI). Christina first discovered the FI movement through the Journey to Launch podcast and we…
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Will our guest today convince us to ditch digital payments?! Listen to find out! Because here’s something that we hear all the time: “You can just Zelle me” or “Venmo me!”. It’s sort of like “I’ll just Uber to the airport” – once a company name has become a verb, is it possible to decouple it from culture? And of course the fact that they’re incred…
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Why Lowering AGI Is More Important Than Ever
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21:08
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21:08If the GOP reform bill moves forward, lowering your adjusted gross income (AGI) won’t just be helpful, it’ll be more important than ever for student loan borrowers. We explore what could change, who’s most at risk, and what steps you can take to protect your paycheck. From maxing out pre-tax retirement contributions and HSAs to leveraging self-empl…
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Ask HTM - Teenage Homebuyers, Best Type of Life Insurance, & Making Easy Money with Securities Lending #994
51:41
51:41
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51:41Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
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Friday Flight - Unemployment Uptick, Ridiculous Returns & The 4% Rule Debunked #993
38:22
38:22
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38:22Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
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Episode 429- How to Learn Less, Do More & Avoid Burnout on the Path to Financial Freedom w/ Pat Flynn
49:22
49:22
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49:22This week on the Journey to Launch podcast, I’m joined by Pat Flynn—digital entrepreneur, founder of Smart Passive Income, creator of Deep Pocket Monster, and author of Lean Learning: How to Achieve More by Learning Less. Pat shares how getting laid off from his dream job led to building a thriving online business, and how he’s stayed grounded whil…
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I’m pretty sure everyone listening will want to either get out of debt, reduce the amount of clutter in their life, crush other financial goals, become healthier and happier… OR, why even choose? Why not select: d - all of the above?! That’s because that was the outcome of our guest today, Ashlee Piper, who documented her journey in her new book No…
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Listener Q&A: What Could This New Bill Mean?
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40:24Get real answers to real questions student loan borrowers are asking about PSLF processing delays, confusing buyback calculations, switching repayment plans, and trying to understand how recent legislation might affect their loans. You’ll get the latest updates on what’s happening behind the scenes and what those changes could mean for you. We also…
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Ask HTM - Early Retirement Target Date Funds, Frugal Personal Hygiene, & Coercive House Painting #991
51:27
51:27
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51:27Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
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Friday Flight - TACO Trading, Pointless Points, & Millionaire Renters #990
34:17
34:17
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34:17Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
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Episode 428: Student Loans in 2025: What You Need to Know Now with Travis Hornsby
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36:40In this episode of Journey to Launch, I’m joined once again by Travis Hornsby, founder of Student Loan Planner. Travis returns to break down the current state of student loans, including what’s changed under the Biden and Trump administrations, what borrowers should expect moving forward, and how to navigate the uncertainty with smart, strategic pl…
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Pharmacist to Full Time Real Estate Investor w/ Ryan Chaw #989
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55:51
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55:51Newer listeners may not realize how OBSESSED with investing in real estate we were back in the day. In fact, when we were batting around ideas for a podcast, we initially thought it might be focused only on real estate... Luckily we zoomed out enough to cover personal finance more broadly. And it’s not that we’re not excited about rentals anymore, …
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Future of Student Loans Now Depends on the Senate
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18:35
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18:35Student loan reform just cleared the House in what’s officially called the “One, Big, Beautiful Bill.” If it becomes law, it could overhaul repayment into just two plans: the Old IBR plan and a new Repayment Assistance Plan (RAP) that scales payments between 1% and 10% of income over 30 years. But nothing is final. The next step is the Senate, wher…
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Ask HTM - Buying a Used Mattress, Best Use of an Inheritance, & Disqualified from a Roth #988
50:36
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50:36Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
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Friday Flight - Credit Crunch, MAGA Money, & Gas Gouging #987
36:13
36:13
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36:13Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
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Episode 427: The Long Game of Wealth Building & Staying the Course with JL Collins
1:03:00
1:03:00
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1:03:00This week on the Journey to Launch Podcast, I’m excited to welcome back the often called “Godfather of Financial Independence”, JL Collins, author of the bestselling book The Simple Path to Wealth. In this episode, we dive into how to stay calm and confident in today’s unpredictable market and why keeping it simple is still the most effective path …
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Impoverished Upbringing to Money Monster w/ Listener Nick Gangwer #986
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53:10
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53:10We’re trying something completely new for our episode today: we’re hearing from a listener. Not in the form of a question submitted via voice memo, but we’re actually sitting down and having a ‘real money’ conversation, with Nick Gangwer. We met Nick at a listener hang about a year ago and his personal story and the proactive steps that he had take…
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The Repayment Assistance Plan, aka RAP, is another student loan overhaul, and people have a lot of questions. Learn what this plan actually is, why it matters right now, and the real chances of it becoming law. If you're wondering when or if you could switch to this plan, we've got you covered. The RAP might completely change how student loan repay…
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Ask HTM - Special Roth Accounts, Investing During A Sabbatical, & Reverse Mortgages #985
51:28
51:28
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51:28Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
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Friday Flight - Streaming Sports, Trade-In Tradeoffs & AI Lies #984
36:53
36:53
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36:53Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
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Episode 426: The Ambition Trap — How to Stop Chasing & Start Living with Amina AlTai
40:18
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40:18This week on the Journey to Launch Podcast, I am sharing a powerful conversation I had with Amina AlTai—holistic leadership coach, chronic illness advocate and author of The Ambition Trap: How to Stop Chasing and Start Living - to unpack the truths behind ambition, burnout, and redefining success. We explore the emotional and cultural roots of ambi…
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Practical AND Beautiful Investing Advice w/ Callie Cox #983
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56:40What it means to have a practical and beautiful portfolio. How recent policy decisions have roiled the stock market. Right-sizing your risk tolerance… These are just a few of the topics we discuss with our guest Callie Cox who is a part of the Ritholtz Wealth Management team. She is also the author of OptimistiCallie, her newsletter where she seeks…
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Scenarios for the Republican Student Loan Bill
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26:44
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26:44The Republican student loan bill is gaining steam and could seriously impact your repayment strategy. Let me break it down for you: undergrads might actually see some benefits here, but if you've got grad school debt? You might want to sit down for this one. Current borrowers won't get hit as hard as future ones, but painful changes could be on the…
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Ask HTM - Unnecessary Credit Cards, Creatively Funding Grad School, & Dropping Car Insurance To Save #982
52:42
52:42
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52:42Let’s kick off the week with some fresh listener questions we have lined up for you! And don't just stand on the sidelines- if you have a question you’d like us to answer, toss your voice memo our way. It only takes about 90 seconds to record and you can find a step by step guide over at HowToMoney.com/ask . Regardless of how random or bizarre you …
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Endings, Beginnings, and the Next Chapter for SLP Wealth
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1:43
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1:43Guess what? We are moving this Friday episode over to the new Financially Free Era podcast! It is the next step to your financial planning journey after your student loan plan has been tackled with us here at Student Loan Planner. We hope this new show will answer your questions of: What else do I need to do? What else can I do to optimize my savin…
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Friday Flight - Paper Wealth, Target Date Trends, & Bye Bye Buffett #981
36:01
36:01
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36:01Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and help…
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