Hello everyone.  In honor of my Smart Savvy Spenders course I wanted to highlight an episode that revolves a LOT around saving smart and paying off debt.  This week’s episode of Stacks and the City I had the pleasure of meeting Candice Latham, a financial coach and graphics designer based in Charlotte, NC. There were some phenomenal points on our conversation but here are some of the highlights:   Candice paid off over $35,000 in debt while earning less than $50,000 annually.  She emphasizes: The importance of getting a side job to expedite paying off debt Joining groups to help collectively pay off debt Reading to clarify and learn money saving tactics     What is a Net Worth?   Net Worth is categorized by how much money you have total.  It shows the value of what you own subtracted by the amount of money you owe to others.  It essentially serves as a overall dollar amount of everything owned.  Net worth is calculated by:        Assets (the value of everything you own) — Liabilities (the value of everything you owe   The more you own and the less you owe means the higher your net worth. Candice also discusses the question of if it’s possible to invest in the stock market while aggressively paying off debt. She believes that you absolutely can as long as you focus more of your attention on debt removal first.  She also recommends contributing to your 401(k) as much as possible     Resources Discussed: Think and Grow RichNapoleon Hill Millionaire By 30Douglas R. AndrewEmron D. AndrewAaron R. Andrew   Get Candice’s Free Net Worth Tracker Here: https://candicelatham.com/net-worth-tracker/ Keep In Touch: @stacksnthecity @everything_candicelatham   Music: www.bensound.com    

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