Everyone's Talkin' Money

So how do you exactly build wealth? That is the trillion dollar question. While there isn't one way to answer that question, there are some steps that you can take to begin to build your own definition of wealth (and I'm not talking about having millions of dollars in your bank account). The art of building wealth starts with thinking about your money in a different way than you have in the past and maximizing what you do have.On This Podcast Episode:I'm sharing some of the smart money moves for building wealth that I've seen working with hundreds of people over the last twelve years. Regardless of income, the real question remains, what does true wealth look like to you (hint, it's different for everyone).Let's meet Gary Zimmerman from Max - the company that helps you "Max My Interest" so your cash is growing and always positioned with the best interest rate. Don't think it matters? What're a few dollars here or there? Gary is going to demystify this myth and show you why maxing your interest is one of the smartest ways to build your wealth.Ask Shannah - I'm sharing a success story this week about someone who decided to start making small steps to better his money situation. Proof that we all can change any situation.Shout Out to Our Sponsor:Thanks to HelloFresh. Get $30 off your first week of HelloFresh by going to hellofresh.com and enter code mymoney30.Thanks for Tuning In:Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Brunch Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun!Have an Ask Shannah question, submit it here.Want More: Shannah on Twitter Shannah on Instagram  See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. Learn more about your ad choices. Visit megaphone.fm/adchoices

Even though much of the U.S. has been blanketed with snow, rain and cold weather it’s actually spring right now – many are spring breaking as we listen to this episode.On This Podcast Episode:It is never too early or too late for that matter to start planning your epic summer vacation plans or maybe a fall/winter escape in the offseason. Whatever travel plans that may float your boat, we want you to make smarter travel money moves right now!Start your smart travel moves right now by listening to this escape-worthy episode as we talk about finding cheaper Europe deals, using social media to your advantage and where you can hop on the tequila train.Ask Shannah - this is a great question about the future cost of education and whether contributions to a 529 plan make sense if education is free in the future. Since I don't have a crystal ball, I'm only able to make some educated guesses. Links Mentioned: Roomer Travel Norwegian Air Hotel Tonight Kayak My co-host for the podcast is my husband, Jeff Game, a travel, and music journalist that's always on the hunt for a good story to tell. Thanks for Tuning In:Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Brunch Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun!Have an Ask Shannah question, submit it here.Want More: Shannah on Twitter Shannah on Instagram Jeff on Twitter Jeff on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s 2018, and if you ask me, it’s time to do things better and definitely more affordable. Thanks to technology, we’re seeing a lot of our money transactions transform before our eyes. Think about how we save money with apps like Acorns, invest online with companies like Betterment, and on this podcast episode we’re talking about redefining the banking and mortgage process with two companies (BankMobile and Better Mortgage) that are using technology to do it better! On This Podcast Episode:This episode is dedicated to doing money things better. We’re introducing you to Luvleen Sidhu from BankMobile and Vishal Garg from Better Mortgage to unlock your thinking about two industries that were in dire need of some serious modernizing.Luvleen Sidhu had enough with big banking fees and wanted to do it differently. In 2013, Americans spent $32 billion on overdraft fees, which is three times as much as they spent on breast cancer and lung cancer combined and more than they spent on vegetables. Additionally, the underbanked spend approximately 10 percent of their salaries on fees for alternative financial services. Together with her father Jay Sidhu, she launched BankMobile in January 2015 to offer this banking experience all through a smartphone or tablet device, utilizing cutting-edge technology to make banking seamless. BankMobile offers completely fee-free accounts—checking, savings with a guaranteed higher savings rate than the top four banks in the U.S., and line of credit, access to over 55,000 surcharge-free ATMs nationwide (BankMobile VIP customers have free access to every ATM in the U.S., which is more than 400,000 ATMs), a personal banker for all customers, and a free financial coach for VIP customers.Vishal Garg is the Founder and CEO of Better Mortgage, working to make the mortgage process simpler, faster and much much better for all Americans – especially the new generation of first-time homebuyers (aka millennials). Better is a digital mortgage company focused on improving access to home financing. They’re using tech to make home buying better by speeding up the process, bringing down the cost and ensuring our customers get the best possible mortgage. Their mission is to make home buying more affordable and accessible for everyone. And that’s built into Better’s DNA - from their zero commissions approach to their 100% transparent process.Ask Shannah - My career journey as a female CFP® - it hasn't always been easy but it's been one of the best decisions I've made. Read more about my journey here.Thanks for Tuning In:Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Brunch Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun!Have an Ask Shannah question, submit it here.Want More: Shannah on Twitter Shannah on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. Learn more about your ad choices. Visit megaphone.fm/adchoices

You're at work, doing your job, day in and day out, and the struggle is real. You've got a crazy co-worker that you share a cubicle with who is always telling you stories of their latest adventures and a boss who is completely unapproachable. Or maybe you're just trying to figure out how in the heck to ask for a promotion. We're calling in Matt Ritter from the Safe For Work podcast to answer all your questions.On This Podcast Episode:Matt Ritter went from Lawyer to Comedian to Executive Recruiter to Podcast host - a journey I can totally relate to. In his new podcast, Safe For Work, Matt, and co-host Liz Dolan are dishing answers to questions that you've always wanted to ask.On this episode, Matt and I are dishing some of his favs. How to ask for a raise When to ask for a promotion How to weigh salary vs. other concerns between two job offers How do you value perks (comp for travel, relocation, free meals, etc)  Getting pay less than co-workers When to leave a job for dream job vs. keeping it as a side hustle Ask Shannah segment - a question from Nick asking if he can refinance student loans that he's already refinanced. The short answer is, yes, but I'll sort out the details on this episode.Thanks for Tuning In:Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Brunch Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun!Have an Ask Shannah question, submit it here.Want More: Shannah on Twitter Shannah on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. Learn more about your ad choices. Visit megaphone.fm/adchoices

Sometimes the workplace can get crazy and messy, there's where the podcast Safe For Work comes in. Join the former head of marketing for Nike, NatGeo, and the Oprah Winfrey Network, Liz Dolan and recovering lawyer turned comedian and executive recruiter, Matt Ritter as they take your calls about the workplace and help you get through Monday to Friday with a little less stress, more confidence and a little more fun.Subscribe to Safe For Work on Apple Podcast, wherever you listen to podcasts or click wondery.fm/safeforworkSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever found yourself asking baffling questions like: How do I grab fear by the ears and snarl at it? What is my anxiety telling me? What are the pivotal plot points of my life? You and me both! We're going to get answers to some of those questions on this podcast episode and hopefully inspire you to continue being the best version of yourself.On This Podcast Episode:Paul Angone, the author of 101 Questions You Need to Ask in Your Twenties, is joining us to dish some of his favorite questions from the book as well as wisdom he found to answers some of those often difficult questions. Paul is the creator of allgroanup.com and read by millions in 190 countries. He is the author of the best-selling book 101 Secrets for Your Twenties, All Groan Up, and his newest book 101 Questions You Need to Ask in Your Twenties.Ask Shannah question: How should I best divvy up my savings if I'm already a good saver?Shout Out To Our Sponsor:Audible is offering Millennial Money listeners a free audiobook with a 30-day trial membership. Just go to audible.com/mymoney and browse the unmatched selection of audio programs – download a title free and start listening. Go to audible.com/mymoney or text Show URL to 500-500 to get started today.Thanks for Tuning In:Thanks for tuning in to listen to this episode of Millennial Money. Every listen means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Brunch Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun!Want More: Shannah on Twitter Shannah on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. Learn more about your ad choices. Visit megaphone.fm/adchoices

Recently we went to see one of our favorite Irish singers, Glen Hansard and he was telling about his first visit to Los Angeles. He had a quote about how to really get to know a place or culture, “If you want to learn about a place, read the history books. If you want to get to know a place, listen to their songs.” This is so true and we love exploring so many genres of music.These days it seems like we’re all reading more about history, watching documentaries about historic events and of course listening to podcasts about the history of so many things, people and places.On This Podcast Episode:This episode's Ask Shannah question is from Allison who is curious about student loan consolidation and whether it makes sense or not. Thanks Allison for the question!This week we wanted to explore the history of country music because just like your own money journey through life, history tells us a lot about where we've been and where we're going. For that reason, we also want to celebrate some of today’s hottest country artists and the incredible success they've had through their careers.Take a tour with us through one of Nashville’s most popular attractions, the Country Music Hall of Fame. We talked with museum editor Michael Gray about their newly opened exhibit, American Current, which features such greats as Taylor Swift, Jason Aldeen, Sam Hunt, Miranda Lambert, Jason Isbell, a new judge on American Idol Luke Bryan and so many more.My co-host for the podcast is my husband, Jeff Game, a travel, and music journalist that's always on the hunt for a good story to tell.Links Mentioned: Country Music Hall of Fame American Currents What’s on Tap in 2018 Taylor Swift Education Center Just co-launched a new course with The Life Currency called Sallie Mafia all about student loans Thanks for Tuning In:Thanks for tuning in to listen to this episode of Millennial Money. Every download means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Brunch Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun!Want More: Shannah on Twitter Shannah on Instagram Jeff on Twitter Jeff on Instagram  See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. Learn more about your ad choices. Visit megaphone.fm/adchoices

Saving up potentially a lot of money for the down payment to buy your home can seem like a very daunting process. I know when I bought my first home it felt like I was scraping money together in every direction just to find enough to "make it work." Unfortunately, in many cities, the cost of entry for buying your first home has only become more and more expensive - hello San Francisco, New York, LA and even places like Chicago.The good news is the three companies we're talking to today are in the business of reinventing how you can actually afford that hefty down payment. On This Podcast Episode:Ask Shannah: Our question comes from Caitlin today who is trying to find ways to supercharge their savings to buy their first home in a really expensive market. Although there aren't any secret tricks, when you're trying to save for a big purchase you must know your numbers - where every penny is going and why to try to find excess savings. Take a listen as I offer some other tips for Caitlin and her husband.If you're looking for innovative ways to save for your down payment, this podcast is for you. I'm talking to three companies about what they offer millennials so you can put what savings you do have, with a little assistance, into your dream home sooner rather than later.Loftium - they're using one innovative company, Airbnb, to help you afford your 20% down payment.Landed- calling anyone who works for a school, this company is for you. They offer an innovative down payment program for teachers who don't often have the means to save 20% down on their own.Unison- think Landed but for anyone in any career. Unison is changing the way you afford your down payment so you can start living in your dream home and not just dreaming about it. Links Mentioned: Debt-to-Income Calculator Downpayment Movement Shout Out To Our Sponsors:Beach Body on Demand - text MYMoney (no spaces) to 303030 for a free trial membership.ZipRecruiter - Right now, my listeners can try ZipRecruiter for free. That’s right FREE! Just go to ZipRecruiter.com/mymoney! Thanks for Tuning In:Thanks for tuning in to listen to this episode of Millennial Money. Every download means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!Millennial Money is more than just a podcast, we’re all about family here. We want to hear your money story - the good and not so good - for a project we're working on. It's all confidential, so don't worry. Please go here to share your story. Want More: Shannah on Twitter Shannah on Instagram  See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's country music has been transformed, as the influence of hip-hop, rap, pop, and even EDM have become the new mainstream of popular music around the globe. Now, a young Canadian band of actual brothers, Beyond the Sun are breaking down more barriers with their brand of “shuffle-mode” style of country music and a new generation of fans are taking notice of one of Nashville’s most innovative bands.Beyond the Sun, Phil on guitar, Colin on vocals, and Dalton on drums hail from Ontario, Canada where they ingested a wide variety of music from Coldplay to Florida Georgia Line to My Chemical Romance to Ed Sheeran and Bruce Springsteen. Bands like Beyond the Sun are thinking outside the big box of country music and are carving their own path.On This Podcast Episode:We caught up with Beyond the Sun in Nashville as they chatted about their new song, “Dance Floor” and the music they’ll be releasing later in 2018, how their version of country music today fits with today’s fans and how they declare Bruce Springsteen’s songwriting as the GOAT (greatest of all time). You'll hear some great tunes and have a chance to check out a new band.My co-host for the podcast is my husband, Jeff Game, a travel, and music journalist that's always on the hunt for a good story to tell. Links Mentioned: Beyond the Sun New release “Dance Floor” Beyond the Sun Twitter AXS.com Article Thanks for Tuning In:Thanks for tuning in to listen to this episode of Millennial Money. Every listen means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Brunch Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun!Want More: Shannah on Twitter Shannah on Instagram Jeff on Twitter Jeff on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. Learn more about your ad choices. Visit megaphone.fm/adchoices

There are a lot of taboos when it comes to investing. I must be rich to start investing, or I’ll lose all my money if I start investing, or I don’t have a clue where to start investing…so I’ll be fine if I never do. Those may seem silly, but we all have our own taboos when it comes to investing – the good and not-so-good ones. So, let’s dig in and see if we can’t demystify some of those common taboos and help you find your own sweet spot when it comes to investing. On This Podcast Episode:Taylor R. Schulte, Founder of Define Financial, podcast host of Stay Wealthy San Diego and a fellow CERTIFIED FINANCIAL PLANNER™ is joining me in this episode to talk about– no, completely and utterly demystify- the five most common investing taboos:Taboo 1 - I can’t invest in the stock market if I have other debt (student loan, credit card, etc.)Taboo 2 - I must invest too much of my salary each month to make a difference - so why investTaboo 3 - The market is at all-time highs. I'm going to wait to invest until there is a market correction and I can buy at a lower price because I don’t want to lose my moneyTaboo 4 - I must be an investing expert to put together a solid portfolio that works for my risk tolerance (strike up a discussion about what someone should be looking at when they are evaluating mutual funds or stocks for their portfolio)Taboo 5- I can just invest in cryptocurrency and don’t have to invest in anything elseShout Out to Our Episode Sponsor:It’s your turn to start investing. Robinhood is giving listeners of Millennial Money a FREE stock like Apple, Ford, or Sprint to help you build your portfolio. Sign up at mymoney.robinhood.com.Thanks for Tuning In:Thanks for tuning in to listen to this episode of Millennial Money. Every listen means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Brunch Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun!Want More: Shannah on Twitter Shannah on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. Learn more about your ad choices. Visit megaphone.fm/adchoices