Everyone's Talkin' Money

In this Ask Shannah episode, I'm sharing how to master your money goals inspired by a question from Amanda:"I love your podcast and have been listening for over a year now, being inspired and working towards my goals. Maybe my question isn't really a question but more like a request for a pep talk. I have 4 main money goals that I've been slowly working towards Paying off my student loans, saving 4 months of expenses in my emergency fund, saving $3,000 in what I like to call an "oh shit fund" (I can access this savings account much quicker than my emergency fund), and finally saving for a house. For the past 6 years, I've been laser-focused on paying off my student loans, but because of the pandemic, I decided to shift my focus on hitting my emergency fund goal. Recently, however, I've been struggling with staying focused on achieving the emergency fund goal. I now have only $9,000 left to go of my student loans, and I'm also only 3 months away from hitting my emergency fund goal, but now I'm getting the urge to use basically all of my emergency fund money to pay off my student loans now. I know if I did this, I would feel AWESOME, but know I would feel anxious knowing I had no emergency fund to fall back on. Do you have any suggestions for staying focused on one goal before making a rash decision and jumping to another goal? I know these are all good problems to have, but I would really love some words of encouragement or advice on how to stay focused on my current goal."SPONSORSThanks to Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off.Thanks to NetSuite for sponsoring the show. Download NetSuite’s popular KPI Checklist for free at www.netsuite.com/etm. Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Timestamps00:03:50 Stay focused on your goals.00:10:13 Stay focused and celebrate milestones.00:14:44 Celebrate milestones along the way.00:18:22 Celebrate milestones and visualize progress.00:24:24 Be intentional with your spending. Learn more about your ad choices. Visit megaphone.fm/adchoices

What do you believe? Money can buy happiness or money can’t buy happiness? Our guest on this vault episode, Jason Vitug, author of the book Happy Money Happy Life, A Multidimensional Approach to Health, Wealth and Financial Freedom and founder of phroogal.com, believes that money isn’t everything, but it does impact most everything in our lives.You'll learn: The most common long-held money beliefs about happiness that just don’t work anymore Why money can buy happiness with a little perspective How to unlearn all of these false money beliefs How to figure out what financial freedom is for you Jason's unique approach to creating happy money and happy life LINKSHappy Money Happy Life bookPhroogal websiteJason on InstagramHow To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Key topics: money happiness, money therapy, personal finance, financial freedom, money books, wealth, self-improvement, mental health Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Miles, a cash flow expert and non-financial advisor, spills all his secrets on how to create multiple streams of passive income on any budget. He busts the myth that you have to work hard to earn money and suggests exciting strategies like investing in turnkey real estate companies. He also emphasizes the importance of education and passing on wealth to future generations.

In this solo episode, I'm exploring what airplane turbulence and your money have in common. It's easy to feel out of control with your money and that you're experiencing a lot of bumps. Interest rates are high, the stock market is a bit whacky, the housing market is nuts, and all of these factors might be influencing how you feel about your money. In this episode, I'll explore five lessons you can learn from airplane turbulence to apply to your money goals right now.Timestamps[00:00:18] Turbulence and Money Goals.[00:05:00] Fear of turbulence and control.[00:10:09] Dealing with bumpy life.[00:13:01] Money and fulfillment.[00:18:31] Feeling like it's too late.[00:22:31] Trusting the unknown.[00:26:33] Can I be okay in the bumps?[00:30:25] Turbulence and calming techniques.[00:34:38] Turbulent housing market and inflation.How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Key termsMoney goals, money, personal finance, interest rates, money therapy, money how-to, self-improvement, happiness, money tips. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Everyone's Talkin' Money podcast, we're covering affordable estate planning for LGBTQ+ individuals and couples with Mitch Mitchell, Associate Counsel of Estate Planning at Trust & Will. Our money system in this country is outdated and antiquated and, by far, does not meet the needs of LGBTQ+ individuals and families. When it comes to estate planning and making sure that your assets get passed to who you want, things can get even more complicated if you’re in the LGBTQ+ community. Different states have different laws, and figuring it all out is hard.You'll Learn: What makes estate planning for LGBTQ+ individuals so challenging What are the essential estate planning documents you need How much estate planning costs (and how to make it more affordable) How do you handle estate planning if you have kids, are adopting, or using a surrogate  Why the home-buying process can be tricky for LGBTQ+ couples and individuals  LinksTrust & WillHow to Find an Estate Planning Attorney article How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Time stamps[00:01:05] Estate planning faces unique challenges. Mitch Mitchell discusses essential documents, costs, and issues for LGBTQ+ individuals. The episode covers adoption, surrogacy, and home buying. LGBTQ+ estate planning necessitates caution and creativity. Further progress is needed in achieving equality.[00:03:31] LGBTQ+ families face legal challenges in parenting[00:08:07] Challenges passing legislation in a politically charged environment[00:11:01] Choose your own plan, especially LGBTQ+[00:14:57] Importance of having a will and trust[00:17:19] Choosing executor, setting up a trust[00:24:20] "In Texas, trusts can help avoid probate"[00:25:47] Marriage, property, and legal agreements for LGBTQ+[00:28:51] Prepare in advance for LGBTQ+ parental rights[00:34:16] Traditional attorney route can be expensive. Trust and Will offer affordable options[00:38:24] Important to understand property ownership and inheritance[00:42:59] Estate planning advice, LGBTQ+ individuals, TrustandWill.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Everyone's Talkin' Money, I'm back with another fascinating topic: home buying in today's market and whether it's a good time to buy real estate. I was walking around my neighborhood this morning and was blown away by the number of people selling, buying, and remodeling houses. I was thinking there’s so much talk about high-interest rates and how expensive housing prices have gotten, but it doesn’t seem to be deterring anyone from going about their normal buying, selling, and remodeling home business. So then I thought, if you’re looking to buy your first home, is there ever a “right” time to buy? Lucky for us, Bianca D’Alessio, who is the Ranked #1 Real Estate Broker in New York and New York State and #14 in the Nation for 2022, manages a $10B real estate portfolio for Nest Seekers International and is the Star of Selling the Hamptons on Max(formerly known as HBO) is our guest.You'll learn: How to pave your way to first-time home buying in this market How to be competitive when buying Why lenders are more concerned about your credit card debt than your student loan debt If the Airbnb market is really a bust Why staying in your home for 10+ years is probably the best investment you’ll ever make Oh, and we’ll also talk some dirt about Selling the Hamptons LinksSelling the HamptonsNest Seekers International Bianca on Instagram How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Time Stamps[00:00:23] Everyon's Talkin' Money podcast host welcomes all, discusses is it the right time to buy.[00:04:09] Start with referrals, research, and interviews for your team.[00:08:31] Negotiating: be creative, focus on clients' needs.[00:11:38] Inflation concerns rise as prices increase.[00:15:16] Interest rates impact affordability, 7% is healthy.[00:18:31] Timing sales is crucial; now is buy.[00:21:36] Consider family, liquidity, investment, business growth, ownership, technology, and global opportunities when buying real estate.[00:25:47] Different lending options; pre-contract inspection for progress.[00:28:46] Relative purchase price, overcoming objections for buying.[00:33:41] Airbnb needs stability, owners must invest.[00:36:29] Reality TV: Surprises, Drama, Real Estate, Acting[00:41:21] Mindful money reminder: Buying a home.Key Terms Mentioned:Money, personal finance, happiness, therapy, home buying, first-time homebuying, selling the Hamptons, Airbnb, buying goals, how to sell your home, negotiation, real estate, personal financial goals, money goals, relationship with money Learn more about your ad choices. Visit megaphone.fm/adchoices

I’m taking on two Ask Shannah questions in this episode - My Partner Won’t Let Me See What He Spends (and that makes me super nervous) + I Lent My Friend Money, Now What (they won’t even treat me to dinner).You'll learn: How to talk about money in your relationship What is your money story How to have uncomfortable conversations How to set boundaries when you lend money to friends Tips to uncover money trauma How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Key topics:Relationship with money, money in relationships, money trauma, personal finance tips, money therapy, money conversations, financial advice Learn more about your ad choices. Visit megaphone.fm/adchoices

Retirement always seems like a destination that is so far away until you wake up one morning and you’re in your mid to late 30s, even your early 40s, and you’re wondering where all the time went. The easiest way to save for retirement is to start saving and stop worrying about how much. No matter what age you are. Joe Curry, host of Canada’s fast-growing retirement podcast, Your Retirement Planning Simplified, is joining us in today’s episode.You'll learn: The top 5 retirement risks that you need to be aware of How to figure out how much money you need to save How to not freak out about your retirement savings How to handle retirement savings curveballs Why you should stay away from those calculators that tell you how much you need to have saved by a certain age because there’s so much more to the story LinksYour Retirement Planning Simplified podcastMatthews + Associates website How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Everyone's Talkin' Money, I chat with guest Carrie Bennett about a topic close to many hearts: infertility. We dive into the world of fertility treatments, the high costs involved, and the financial struggles that come with it. But Carrie brings something new to the table - the concept of quantum fertility. She shares how incorporating simple, free practices like aligning with natural rhythms and minimizing artificial light can potentially boost fertility. We also discuss the importance of balance, gratitude, and letting life unfold. Whether you're dealing with infertility or just curious, this episode offers fresh insights on a challenging subject.LinksCarrie's website Carrie's product recommendationsIn this episode, we talk about:- The episode will delve into the world of infertility and explore affordable alternatives to costly treatments to help you get pregnant- Approximately 48.5 million couples worldwide experience infertility- About 15% of couples face difficulty conceiving- Infertility can be scary, expensive, and confusing- Traditional approaches to infertility focus on the biochemical perspective, which may not address the root causes of infertility- Carrie introduces the concept of quantum fertility, which suggests that the body operates on a small scale influenced by factors such as circadian rhythm, light exposure, and nature- Quantum fertility offers affordable ways to support fertility that are often unknown or overlooked- Most healthcare plans do not cover infertility, leaving couples to pay 85% of the costs out of pocket- Topics covered will include circadian rhythm, light exposure, and nature as factors that can support fertility- Listeners will learn about low to no-cost techniques that can be incorporated into their routinesTimestamps[00:00:42] Podcast discusses quantum fertility and affordable tips.[00:03:57] Body's natural balance can restore fertility.[00:08:41] Factors affecting fertility: lifestyle, age, and light.[00:10:56] Daytime blue light can energize but drain. At night, blue light disrupts sleep. Artificial light linked to anxiety, depression, and hormone-related cancers. Use orange lenses to mitigate at night.[00:15:49] Transformative effects observed within days; objective and subjective improvements; biological measures confirm success.[00:17:40] Body has built-in clock for optimal functioning.[00:22:23] Increased productivity comes from syncing with natural light.[00:23:50] Leptin regulates fertility and body communication.[00:27:01] Listen to your intuition and resonate with therapy. Balance your body for higher success rates in fertility.[00:33:56] Fascinating correlation in managing chronic tinnitus.[00:37:17] Healing journey with unexpected light therapy results.[00:40:08] Let life unfold, reduce stress, conceive[00:44:34] "Incorporating quantum techniques for improved fertility.How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Ask Shannah episode of "Everyone's Talkin' Money," I'm diving into the debit vs. credit cards debate. We explore the similarities between the two - they both have logos like Visa or Mastercard and can be used for in-store or online purchases. But when it comes to safety, things get interesting. Gas stations, for example, can be risky spots for credit card scammers. That's why using a credit card is generally safer here, as it offers more protection against potential bank account drain. However, personal preference and money habits should also come into play. You'll learn how to figure out what card is right for you.Episode Timestamps:[00:02:30] Recognize and accept the current relationship with money. Use a debit card securely. Avoid unsecured internet connections for purchases and bank account checking.[00:03:22] "Protect network, guard numbers, prevent credit fraud."[00:08:25] Debt doesn't vanish; find a lighter way.[00:12:46] Use a debit card to avoid debt.[00:15:38] Credit cards automatically categorize expenses for you, allowing easy tracking and adjustments. Additionally, using them for monthly payments can earn rewards and bonuses.[00:17:44] Credit card cons: interest rates compound debt.[00:21:26] Credit card fraud protection: Quick and easy.[00:24:52] Gas station pumps are risky for card payments.[00:27:27] Credit card deposit for trips and car rentals.How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices