Denis O'Brien host of Chain of Wealth Passive Income Streams and Side Hustles
How to get ahead in life by setting up passive income streams.

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Denis O’Brien is a Chartered Accountant who is passionate about money and personal finance. Along with his fiancé Katie Welsh, they run Chain of Wealth a personal finance blog and podcast that inspires millennials to openly talk about money and tackle their financial issues. Together Katie and Denis have paid off $200,000 of debt in less than 2 years and they inspire others to reach their financial dreams by creating easy to understand resources. Chain of Wealth has been featured in USA Today, Nerd Wallet, Rockstar Finance and other publications. In this episode, Denis shows us how he has set up different passive income streams to reach his goals and how you can too!

In this episode we cover:

  • What is a side hustle?
  • Why people should consider multiple income streams
  • The difference between side hustles and passive income
  • How to convert an active income stream into passive income
  • How passive income helps build wealth

Resources Mentioned:

Passive Income: Ideas For Setting Up Multiple Streams of Income – Chain of Wealth

Making Sense of Affiliate Marketing Course

Hosting Your Pad Course

The Millionaire Next Door by Thomas J. Stanley and William D. Danko

The Side Hustle Show by Nick Loper

Freelance Friday Podcast by Latasha James

The Freedom Hustler Podcast by Dielle Charon

Do You Even Blog by Pete McPherson

Our Favorite Investment Apps:

Acorns – Acorns helps you invest your spare change automatically. Get $5 by signing up today.

Robinhood – Invest in stocks, ETFs, cryptocurrencies commission-free right from your phone or desktop.

Stash Invest – A micro investing app which helps you learn, save and invest.

ChangEd – Analyzes your spending, collects your spare change and puts it towards your student loans.

Connect with Denis O’Brien:

Blog: https://www.chainofwealth.com

Facebook: @chainofwealth

Facebook Group: Chain of Wealth – Invest in Your Future

Twitter: @chainofwealth


Be sure to rate and review the show, and if you’d like a shout out on the next episode, screenshot your review and tag me on social media @thethoughtcard!

Tips for things to do after reaching your emergency fund goal.
I hit my savings goal…now what?


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So you’ve stashed a significant amount of money away in your emergency fund. Congratulations! But now that you’ve accomplished your savings goal, you might be wondering, what’s next? In this mini episode, I share ideas for what you can do after you’ve reached your emergency fund savings goal.

Don’t forget to join me live every Sunday over at The Thought Card on Facebook!

Why have an emergency fund?

One of my favorite sayings that you can apply to your personal finances is “When you stay ready, you never have to get ready.”

An emergency fund is important because just in case something happens, you have money set aside for unexpected expenses. It can also save you from going into debt.

For example, if you lose your job, at least you have money to cover your expenses for a few months.

More Resources:

Read >> Emergency Fund Dos and Don’ts

Listen >> Episode 21: How to Set Yourself Up for Financial Success by Setting Financial Goals

How much should you have in your emergency fund?

It really depends on how much you think you’ll need. Everyone’s savings target will be different.

However, conventional wisdom says that you should have anywhere between 3-12 months of expenses saved in your emergency fund.

How did I do it?

I started my emergency fund by saving $1,000.

This is actually what personal finance guru Dave Ramsey suggests as well. In Baby Step 1, Dave Ramsey suggests saving $1,000 in your starter emergency fund for when something unexpected comes up.

After you’ve saved $1,000 now what?

My Top Emergency Fund Milestones:

  • Save $1,000 in emergency fund
  • Save $5,000 in emergency fund
  • Have a $500 to $2,000 buffer in my main checking account. This pot of money serves as the first line of defense and gives me some leeway to spend without having to dip into my emergency fund.

Found this episode informative?

Share your thoughts by leaving a review on Apple Podcasts!


This episode of The Thought Card is sponsored by my brand new course Back to Budgeting Basics. In this fundamental budgeting course, I teach you how to create a goal centric budget that helps you accomplish your short and long term financial goals faster. I also teach you how to track where your money is going every month, organize your banking and create a simple money routine.

How to set financial goals. Best practices for setting financial goals.
Learn how to set financial goals like a pro!

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Goals are important because they allow you to create your future today. Although a lot of people set financial goals every year, most people don’t actually end up sticking with them because they get distracted along the way. So how do you set financial goals that you will achieve? In this episode, I share easy ways to set yourself up for financial success by setting financial goals that are a good fit for your life right now.

This episode is sponsored by my brand new course, Back to Budgeting Basics. In this course we debunk the myths that budgeting is “hard” and I help you create a personalized goal-centric budget that aligns with your priorities and values.

Things to Consider When Setting Financial Goals

1. Assess your current situation.

When you’re setting financial goals, what you’re really doing is assessing where you are right now and determining where you want to be in the future.

To do this, ask yourself:

  • Where am I right now?
  • What do I want to accomplish?

Helpful Tip: Money serves different purposes. You can spend money, save, pay off debt, invest or give money to charity.

Typically financial goals will fall into one of these major categories.

2. Is your goal too hard?

You are less likely to achieve goals that are too difficult.

Truth is, the best goals are realistic but not too over the top.

3. Check yourself.

Are these goals for you or are they based on what others want for you?

Set financial goals based on what you want for yourself not what you think others want for you.

4. Create an emotional connection.

Can you visualize yourself achieving your goal?

What sort of emotions will you feel when you accomplish your goal?

Will you feel excited? Calm? Relaxed?

Remember, it’s easier to achieve goals that you are emotionally connected to.

5. Bridge the gap.

To bridge the gap, break down your goals into smaller more manageable tasks or mini bite-sized goals. You can do this by setting monthly, weekly or daily goals.

6. Celebrate milestones.

Lastly, be sure to celebrate any big milestones or money wins. This will give you the motivation to keep going.

Tips for setting financial goals. How to set financial goals for the new year.
Pin this for later!

Did you find this episode informative?

Take a screenshot of you listening to the show and tag me @thethoughtcard on Twitter, Facebook or Instagram so I can personally say thank you!

Be sure to check out Episode 17 where I share my biggest lessons learned in 2018.

And catch the next episode where we chat with Frantzces from Chronicles Abroad about living, working and traveling abroad.

Brandon Neth from FinanceBuzz.com is an entrepreneur, real estate investor and travel enthusiast.
How to take advantage of points and miles, side hustles, and leverage real estate to build wealth.

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Brandon Neth left the U.S. for the first time in 2008 destined to teach English in Thailand. Him and his wife left with only $3,500 to their name. Twenty-two months later they returned home addicted to travel.

During their time abroad, Brandon taught English in China and India and worked in Australia for a year where he made some serious cash. Knowing he wanted to continue his nomadic lifestyle, Brandon tried a little bit of everything, however, when he discovered points and miles, it all came together.

Combining entrepreneurship, side hustles, investing and real estate, Brandon continues his nomadic lifestyle by diversifying his income streams.

Sixty-four countries later, Brandon and his wife travel six months out of the year. In addition to owning several real estate properties, Brandon works at Financebuzz.com, a personal finance site that provides valuable and entertaining content about personal finance and travel. 

In this episode we chat about:

  • Why using credit cards is a good idea if you want to travel more
  • Brandon’s favorite credit cards for travel rewards
  • What to look out for when getting a new credit card
  • How Brandon saved $100,000 working in Austraulia on the working holiday visa
  • Examples of side hustles that work
  • What digital nomads should look for when picking to live in a new destination including: internet speed, friendly locals, affordable standards of living, easy local laws and delicious food.
  • How to get started house hacking and leveraging real estate
  • Investing in ETFs and index funds

Resources Mentioned

Connect with Brandon Neth:

Website: https://financebuzz.com/

Instagram: @financebuzztravel

Pinterest: @financebuzzoffical


Thanks again for listening to the show!

Ratings help this show get more easily found in search, so don’t forget to rate, review and subscribe to the show. By subscribing you’ll automatically get notified as soon as new episodes come out every other Thursday.

Interested in sharpening your budgeting skills?

Join us over at Back to Budgeting Basics, the course where I teach you how to create a budget that helps you save money every month!

2018 Year in Review The Thought Card by Danielle Desir
Reflecting on how far I’ve come in a year.

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Happy New Year! I can’t believe that we are already a week into the new year.

I experienced a lot this year. Many great things happened and I learned a lot of important lessons along the way.

Throughout 2018 I was bold.

I got a promotion (which I negotiated), I started this podcast (with no experience), spoke at a podcasting conference and I even found love.

In this episode I share what worked in 2018, what didn’t work and the most important lessons I learned. I also share my top goals for 2019 and why “committed” is my word for the new year.

Year End Review Resources Mentioned

Back to Budgeting Basics Course

What Worked in 2018

  1. Got a promotion at work. I’m now a Grants Manager.
  2. Launched The Thought Card podcast with over 500 downloads in the first month.
  3. Created WOC Podcasters (Women of Color) an inclusive podcasting community for learning, networking and sharing resources.
  4. Presented at Podcast Movement in Philadelphia, the world’s largest podcasting conference.
  5. Became an editorial board member of Podcast Business Journal.
  6. Participated in my first panel discussion in New York City with A.I.M. Unlimited.
  7. Went on lots of short trips in 2018 including trips to Ireland, Chicago, Oslo, Iceland, Puerto Rico, the Finger Lakes (New York), Orlando and Toronto.
  8. Attended FinCon and TBEX North America – Listen to Episode 8 where Yasmine and I share tips for attending FinCon for the first time.
  9. Got featured on lots of podcasts including Chronicles Abroad, Comfortably Excluded, WTF?! IDK Podcast and Travel Fuels Life.
  10. As a freelance writer, I also contributed 5 articles to Go Banking Rates, a leading personal finance banking website.
Tips for paying off credit card debt and student loans faster.

What Didn’t Work in 2018

  1. Overworked myself and got really sick.
  2. House hacking and having roommates was challenging – don’t worry, they moved out!
  3. I didn’t finish working on my book. 
  4. Planned too many trips, too far in advance and had to cancel.

Lessons Learned in 2018

  1. Health is wealth. 
  2. Budgeting is still very important

What are your goals for 2019?


Leave me voicemail or join the conversation over at Financially Savvy Travelers and share your top travel or money goals for the new year! Happy New Year!

My experience living roommates and house hacking for 13 months.
Is having roommates all it’s cracked up to be? 

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In today’s mini episode I share why I rented out two bedrooms in my house and some of the challenging situations that I had to deal with while living with roommates. What was living with two roommates like? I would be lying if I said that living with roommates was easy but after 13 months of house hacking, I can look back at my experience, appreciate the lessons and move on with my life. 

Living with two roommates was extremely challenging – there were plenty of stressful moments, lots of annoying moments and quite a few tears. The truth is, after signing the dotted line and buying a house back in May 2017, I quickly realized that I wasn’t financially prepared for the aftermath.

What was living with two roommates like? 

Here I was the owner of a beautiful home but I had no furniture or working appliances. My house was empty and I didn’t have any money saved up for furniture or decorations. 

Slowly buying what I needed, I got roommates to help pay off all the credit card debt that I accumulated and offload some of my monthly expenses.

What’s important here is that I had a goal for the extra income. I used the extra income to pay off debt, pay my monthly bills and I saved the rest. 

Although there are obviously plenty of financial benefits to having roommates, it’s not always about the money. You have to also think about how having roommates may affect your mental and physical health.

Overall, I’m thankful that I’m at a point where I can afford to live on my own now. 

Helpful Tip: When saving for a house also save up for furniture, appliances and repairs. 


Are you enjoying the show? 

Listen to more episodes of The Thought Card like Do You Check Your Paychecks? 5 Things I Learned From Not Checking Mines. In this episode I share my paycheck mistake story and why it motivated me to continue to work towards financial independence.  


Meet the Host – Danielle Desir 

My name is Danielle Desir, and I believe that when we make informed financial decisions, we can go extremely far. As a financially savvy traveler, I also believe that anyone can afford to travel, and this podcast shares the tools and resources, secrets and stories of how travelers from around the world are making smart money decisions to afford to travel more, pay off debt and build wealth.

Read more about me here.

Ogechi the founder of One Savvy Dollar Talks Tuition Reimbursement Programs

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Ogechi Igbokwe understands how student loan debt can wreak havoc on our lives. How it robs us of our peace of mind and the ability to pursue our goals like buy a house, travel, get married or start a family.

Ogechi is a certified financial educator and founder of One Savvy Dollar.

One Savvy Dollar is a personal finance website that helps people find companies that offer tuition reimbursements and empowers them to save more, pay down debt, increase their net worth and build wealth. As a money expert, she helps people make money moves today that their future self will thank them for. She’s been featured on sites like Nerdwallet, Clever Girl Finance and more, and I’m so excited to chat with her about her debt repayment journey!

In this episode, Ogechi shares her debt repayment story and how she’s helping recent grads get a leg up in life by taking advantage of tuition reimbursement programs through their employers.

Tuition reimbursement programs are important because they help you reduce your student loans and you get paid to work and earn your degree at the same time!

“To be savvy is to be knowledgeable and smart about your life.” – Ogechi

In this episode we talk about:

  • What motivated Ogechi to pay off her student loan debt
  • How she paid off $26,000 of student loan debt in 3 years
  • What are employer-sponsored tuition reimbursement programs?
  • How to figure out if your company offers tuition reimbursement
  • Other options to consider if your employer doesn’t offer a tuition reimbursement program
  • Industries offering employees tuition reimbursement benefits 
    • Healthcare
    • Technology
    • Education
    • Financial
    • Oil & Gas
    • Airlines
    • Manufacturing and more

Connect with Ogechi

Website: https://onesavvydollar.com

Facebook Group: https://www.facebook.com/groups/1495558457163470/

Instagram: @onesavvydollar

Thanks so much for listening, if you enjoyed this show, share it with a friend on Facebook!

To listen to more episodes of The Thought Card don’t forget to find us on your favorite podcast player – Apple Podcasts (iTunes), Google Podcasts, Spotify and Stitcher and leave us a thoughtful review or send us a voicemail with suggestions for an upcoming episode.

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