Everyone's Talkin' Money

Six letters – BUDGET – is probably one of the most despised combinations of letters in the English language, but that’s because you’re thinking about it all wrong. A budget isn’t a set-in-stone document that is some formal decree telling what you can and can’t spend your money on. In fact, in this episode, I'm giving you permission to throw out your budget with a few simple caveats and teaching you my easy 1-2-3 system for budgeting so you can stop stressing over money.RELATED EPISODES Budget Rescue: Why Am I Never Left With Any Money Create a Budget That Sparks Joy Get a Life You Love on a Budget You Can Afford SPONSORSThanks to Chime for sponsoring the show. Get started with Chime today. Applying for a free account takes less than 2 minutes. Get started at chime.com/mymoney.Thanks to Apple Card for sponsoring the show. Apply for the Apple Card now in the Wallet app on iPhone and start using it right away.Thanks to Shopify for sponsoring the show. Shopify is more than a store. Connect with your customers. Drive sales. Manage your day-to-day. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.LEAVE US A REVIEWLeave us an honest rating and review, pretty please. Head to the podcast player you’re listening to this episode in to leave us a review or you can click here to leave a review for Everyone's Talkin' Money podcast on Apple Podcasts. Love this episode? Share it with a few friends so they can learn these valuable money concepts as well. Be sure to FOLLOW and SUBSCRIBE to never miss an episode!GOT A QUESTION?Have a Shannah Shares question? Submit your question here https://bit.ly/shannahsharesMORE MONEY TIPSFollow Me on Instagram for more money tips and behind-the-scenes information https://www.instagram.com/shannahgameFREE GUIDES + RESOURCESDownload our FREE Top 25 Episode Guide 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

Are you eligible for $10,000 in student loan forgiveness? After months and months and months of speculation, we finally have word that many Americans will receive $10,000 of automatic student loan forgiveness. Will that be you, will it make a difference in your life, and what do you need to know all in this special episode?LinksDepartment of Education Subscription PageStudentaid.govAddressing the $1.5 Trillion in Student Loan Debt articleFederal Student Aid Information on the InitiativeCNN How to Qualify for Biden's New Student Loan Forgivness Act Episode SponsorsThanks to Chime for sponsoring the show. Get started with Chime today. Applying for a free account takes less than 2 minutes. Get started at chime.com/mymoney.Thanks to Apple Card for sponsoring the show. Apply for the Apple Card now in the Wallet app on iPhone and start using it right away.Thanks to the Jordan Harbinger Show for sponsoring this episode. Search for The Jordan Harbinger Show on Apple Podcasts, Spotify, or wherever you listen to podcasts.Thanks to BetterHelp for sponsoring the show. I want you to start living a happier life today. As a listener, you’ll get 10% off your first month at BetterHelp by visiting our sponsor at http://www.betterhelp.com/mymoney. Thanks to Shopify for sponsoring the show. Shopify is more than a store. Connect with your customers. Drive sales. Manage your day-to-day. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.LEAVE US A REVIEWLeave us an honest rating and review, pretty please. Head to the podcast player you’re listening to this episode in to leave us a review or you can click here to leave a review for Everyone's Talkin' Money podcast on Apple Podcasts. Love this episode? Share it with a few friends so they can learn these valuable money concepts as well. Be sure to FOLLOW and SUBSCRIBE to never miss an episode!GOT A QUESTION?Have a Shannah Shares question? Submit your question here https://bit.ly/shannahsharesMORE MONEY TIPSFollow Me on Instagram for more money tips and behind-the-scenes information https://www.instagram.com/shannahgameFREE GUIDES + RESOURCESDownload our FREE Top 25 Episode GuideSee 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

Are you ready to learn how to accelerate your path to prosperity and create your financial freedom blueprint? Maybe prosperity is a dollar amount or being able to have time and freedom in your day, maybe it’s becoming debt-free, or having a certain amount of money in your investment accounts. No matter what prosperity means to you, you need a roadmap to get there. Our guest, Louis Llanes is the founder of Wealthnet Investments, LLC and the author of a new book called Financial Freedom Blueprint. Louis also holds the Chartered Financial Analyst (CFA) and Chartered Market Technician (CMT) designations, an MBA from the University of Denver, and a BS in Finance from the University of Colorado - aka, he knows his stuff. In this vault episode, Louis shares the 7 seven steps to mapping your financial future to help you secure financial independence and create financial freedom.LinksFinancial Freedom Blueprint bookWealthnet Investments, LLCRELATED EPISODES Invest Differently to Reach Financial Freedom Saving Money Tips to Achieve Financial Freedom How to Use Renting As a Tool to Reach Financial Freedom SPONSORSThanks to Chime for sponsoring the show. Get started with Chime today. Applying for a free account takes less than 2 minutes. Get started at chime.com/mymoney.Thanks to Apple Card for sponsoring the show. Apply for the Apple Card now in the Wallet app on iPhone and start using it right away.Thanks to the Jordan Harbinger Show for sponsoring this episode. Search for The Jordan Harbinger Show on Apple Podcasts, Spotify, or wherever you listen to podcasts.Thanks to BetterHelp for sponsoring the show. I want you to start living a happier life today. As a listener, you’ll get 10% off your first month at BetterHelp by visiting our sponsor at http://www.betterhelp.com/mymoney. Thanks to Shopify for sponsoring the show. Shopify is more than a store. Connect with your customers. Drive sales. Manage your day-to-day. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.LEAVE US A REVIEWLeave us an honest rating and review, pretty please. Head to the podcast player you’re listening to this episode in to leave us a review or you can click here to leave a review for Everyone's Talkin' Money podcast on Apple Podcasts. Love this episode? Share it with a few friends so they can learn these valuable money concepts as well. Be sure to FOLLOW and SUBSCRIBE to never miss an episode!GOT A QUESTION?Have a Shannah Shares question? Submit your question here https://bit.ly/shannahsharesMORE MONEY TIPSFollow Me on Instagram for more money tips and behind-the-scenes information https://www.instagram.com/shannahgameFREE GUIDES + RESOURCESDownload our FREE Top 25 Episode GuideSee 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

Fertility is a tricky (and expensive) topic. No matter how you feel about having babies, you have to face that question at some point in life, and it can be a difficult one. Do you have kids, can you have kids, and when is the right time to have kids? In this special vault episode, our podcast guest Afton Vechery, co-founder and CEO of Modern Fertility joins me to talk all about the price of fertility and what her company is doing to change the conversation. You'll learn why fertility is a hush-hush topic, why traditional fertility testing is so expensive, how fertility testing works, and ways to cut the costs when it comes to testing for fertility.LinksModern FertilitySPONSORSThanks to Chime for sponsoring the show. Get started with Chime today. Applying for a free account takes less than 2 minutes. Get started at chime.com/mymoney.Thanks to Apple Card for sponsoring the show. Apply for the Apple Card now in the Wallet app on iPhone and start using it right away.Thanks to the Jordan Harbinger Show for sponsoring this episode. Search for The Jordan Harbinger Show on Apple Podcasts, Spotify, or wherever you listen to podcasts.Thanks to BetterHelp for sponsoring the show. I want you to start living a happier life today. As a listener, you’ll get 10% off your first month at BetterHelp by visiting our sponsor at http://www.betterhelp.com/mymoney. Thanks to Shopify for sponsoring the show. Shopify is more than a store. Connect with your customers. Drive sales. Manage your day-to-day. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.LEAVE US A REVIEWLeave us an honest rating and review, pretty please. Head to the podcast player you’re listening to this episode in to leave us a review or you can click here to leave a review for Everyone's Talkin' Money podcast on Apple Podcasts. Love this episode? Share it with a few friends so they can learn these valuable money concepts as well. Be sure to FOLLOW and SUBSCRIBE to never miss an episode!GOT A QUESTION?Have a Shannah Shares question? Submit your question here https://bit.ly/shannahsharesMORE MONEY TIPSFollow Me on Instagram for more money tips and behind-the-scenes information https://www.instagram.com/shannahgameFREE GUIDES + RESOURCESDownload our FREE Top 25 Episode Guide 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

Are you struggling to finally break free from debt? In this Money 101 episode, I’m breaking down how to think about debt, strategies to pay it off, and why being completely debt-free should never be the goal. Just a quick note, this episode is not just for newbies. When I was a working financial planner I worked with people of all ages who just couldn’t figure out how to get a handle on debt. So, you are not alone if you’re struggling with debt. According to CNBC, the average American has over $90,000 in debt according to 2021 numbers. You'll learn the two strategies to pay off debt, how to deal with the emotions around debt, and a deep dive into my debt story.RELATED EPISODES The Toll Debt Takes on Your Mental Health From 10K in Debt to 800K in Net Worth Is All Debt Bad SPONSORSThanks to Chime for sponsoring the show. Get started with Chime today. Applying for a free account takes less than 2 minutes. Get started at chime.com/mymoney.Thanks to Apple Card for sponsoring the show. Apply for the Apple Card now in the Wallet app on iPhone and start using it right away.Thanks to the Jordan Harbinger Show for sponsoring this episode. Search for The Jordan Harbinger Show on Apple Podcasts, Spotify, or wherever you listen to podcasts.Thanks to BetterHelp for sponsoring the show. I want you to start living a happier life today. As a listener, you’ll get 10% off your first month at BetterHelp by visiting our sponsor at http://www.betterhelp.com/mymoney. Thanks to Shopify for sponsoring the show. Shopify is more than a store. Connect with your customers. Drive sales. Manage your day-to-day. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.LEAVE US A REVIEWLeave us an honest rating and review, pretty please. Head to the podcast player you’re listening to this episode in to leave us a review or you can click here to leave a review for Everyone's Talkin' Money podcast on Apple Podcasts. Love this episode? Share it with a few friends so they can learn these valuable money concepts as well. Be sure to FOLLOW and SUBSCRIBE to never miss an episode!GOT A QUESTION?Have a Shannah Shares question? Submit your question here https://bit.ly/shannahsharesMORE MONEY TIPSFollow Me on Instagram for more money tips and behind-the-scenes information https://www.instagram.com/shannahgameFREE GUIDES + RESOURCESDownload our FREE Top 25 Episode GuideSee 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

Now is the time to know how to recession-proof your career. I know that right now there’s SO much talk about recession and you probably have seen a few notices from companies that they are laying off people, sometimes in a BIG way. So what can you do to recession-proof your career? Jacqueline Twillie, founder of ZeroGap and Amazon best-selling author of Navigating the Career Jungle and Don’t Leave Money on the Table, is here to hold your hand and give you a solid action plan for how you recession-proof your career. Jacqueline’s tips are relevant no matter what the economy is doing, however, if we’re going to talk recession she thinks you need a few extra tricks up your sleeve. She shares why now is the best time to negotiate, how to make yourself stand out in your career, and why her L.A.T.T.E. method will have you earning more money than you thought was possible.LINKS ZeroGap Don't Leave Money on the Table Book Jacqueline's website RELATED EPISODES The Insiders Secrets to Know Your Value, Master Negotiation, and Take Back Your Life and Career Next Year How to Take a Career Break Without Going Broke Make a Career Change Without Taking a Salary Cut SPONSORSThanks to Chime for sponsoring the show. Get started with Chime today. Applying for a free account takes less than 2 minutes. Get started at chime.com/mymoney.Thanks to Apple Card for sponsoring the show. Apply for the Apple Card now in the Wallet app on iPhone and start using it right away.Thanks to the Jordan Harbinger Show for sponsoring this episode. Search for The Jordan Harbinger Show on Apple Podcasts, Spotify, or wherever you listen to podcasts.Thanks to BetterHelp for sponsoring the show. I want you to start living a happier life today. As a listener, you’ll get 10% off your first month at BetterHelp by visiting our sponsor at http://www.betterhelp.com/mymoney. Thanks to Shopify for sponsoring the show. Shopify is more than a store. Connect with your customers. Drive sales. Manage your day-to-day. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.LEAVE US A REVIEWLeave us an honest rating and review, pretty please. Head to the podcast player you’re listening to this episode in to leave us a review or you can click here to leave a review for Everyone's Talkin' Money podcast on Apple Podcasts. Love this episode? Share it with a few friends so they can learn these valuable money concepts as well. Be sure to FOLLOW and SUBSCRIBE to never miss an episode!GOT A QUESTION?Have a Shannah Shares question? Submit your question here https://bit.ly/shannahsharesMORE MONEY TIPSFollow Me on Instagram for more money tips and behind-the-scenes information https://www.instagram.com/shannahgameFREE GUIDES + RESOURCESDownload our FREE Top 25 Episode Guide 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

What if you could feel good about saving money? Raise your hand if you are guilty of this…you hit the buy now button without even thinking. I know I certainly am. But what if all those buy-now purchases are moving you further away from your dreams and goals without you consciously being aware of it? In today’s vault episode with money-saving expert Jeanette Pavini, we move from mindless spending to mindful spending and uncover the secret to finding joy in saving money. You'll learn the 3 step strategy to creating a money-saving system you can win with, what's stopping you from finding joy in saving money, sneaky ways to find major savings in your bank account, and so much more.Links Jeanette's website The Joy of $aving book Episode SponsorsThanks to Chime for sponsoring the show. Get started with Chime today. Applying for a free account takes less than 2 minutes. Get started at chime.com/mymoney.Thanks to Apple Card for sponsoring the show. Apply for the Apple Card now in the Wallet app on iPhone and start using it right away.Thanks to the Jordan Harbinger Show for sponsoring this episode. Search for The Jordan Harbinger Show on Apple Podcasts, Spotify, or wherever you listen to podcasts.Thanks to BetterHelp for sponsoring the show. I want you to start living a happier life today. As a listener, you’ll get 10% off your first month at BetterHelp by visiting our sponsor at http://www.betterhelp.com/mymoney. Thanks to Shopify for sponsoring the show. Shopify is more than a store. Connect with your customers. Drive sales. Manage your day-to-day. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.FOLLOW & SHARELeave us an honest rating and review, pretty please. Head to the podcast player you’re listening to this episode in to leave us a review or you can click here to leave a review for Everyone's Talkin' Money podcast on Apple Podcasts. Reviews help us continue to grow and bring on more amazing guests. Thank you in advance! Love this episode? Share it with a few friends so they can learn these valuable money concepts as well. Be sure to FOLLOW and SUBSCRIBE to never miss an episode!Have a Shannah Shares question? Submit your question here https://bit.ly/shannahsharesFollow Me on Instagram for more money tips and behind-the-scenes information https://www.instagram.com/shannahgameMore Ways to Enjoy Everyone's Talkin' MoneyDownload our FREE Top 25 Episode GuideSee 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

What does it take to become an everyday millionaire? If I had a dollar for every time someone asked me how to get to millionaire status, I’d probably be a multi-millionaire by now. Deacon Hayes, former financial advisor, founder of Well Kept Wallet, and author of You Can Retire Early, knows a thing or two about millionaire status. Over the last few years, he’s dedicated himself to becoming debt-free and educates people just like you on how to do the same. Recently, he became so inspired to teach you how to become an everyday millionaire that he wrote a rap song all about it. In this vualt episode, Deacon shares his top tips to help you step into everyday millionaire status, and even gives us a little sneak peek of his song.LinksWell Kept WalletYou Can Retire EarlyEveryday Millionaire SongYou Can Retire Early Podcast EpisodeEpisode SponsorsThanks to Chime for sponsoring the show. Get started with Chime today. Applying for a free account takes less than 2 minutes. Get started at chime.com/mymoney.Thanks to Apple Card for sponsoring the show. Apply for the Apple Card now in the Wallet app on iPhone and start using it right away.Thanks to the Jordan Harbinger Show for sponsoring this episode. Search for The Jordan Harbinger Show on Apple Podcasts, Spotify, or wherever you listen to podcasts.Thanks to BetterHelp for sponsoring the show. I want you to start living a happier life today. As a listener, you’ll get 10% off your first month at BetterHelp by visiting our sponsor at http://www.betterhelp.com/mymoney. Thanks to Shopify for sponsoring the show. Shopify is more than a store. Connect with your customers. Drive sales. Manage your day-to-day. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.FOLLOW & SHARELeave us an honest rating and review, pretty please. Head to the podcast player you’re listening to this episode in to leave us a review or you can click here to leave a review for Everyone's Talkin' Money podcast on Apple Podcasts. Reviews help us continue to grow and bring on more amazing guests. Thank you in advance! Love this episode? Share it with a few friends so they can learn these valuable money concepts as well. Be sure to FOLLOW and SUBSCRIBE to never miss an episode!Have a Shannah Shares question? Submit your question here https://bit.ly/shannahsharesFollow Me on Instagram for more money tips and behind-the-scenes information https://www.instagram.com/shannahgameMore Ways to Enjoy Everyone's Talkin' MoneyDownload our FREE Top 25 Episode GuideSee 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

Women have been largely overlooked in money conversations and you know the stats, we earn less, live longer, and so much more. We definitely get the short end of the equality stick a lot. So it’s even more important, no, make that critical, that we as women learn how to have fiscal freedom. As our guest, Kimberlee Davis says, “ a lot of women don’t know what the heck is going on with their finances and don’t like to talk about it.” In Kimberlee’s new book, “The Fiscal Feminist”, she shares the must-know money lessons that every woman needs to know and holds her hand through some serious topics like divorce, prenups and postnups, and all those money topics that you’d rather hide from. Her message is that you need to become the CEO of your life. Join us for this inspiring episode that feels like a fun information overload, in the best way possible, and a wild ride with Kimberlee. Let’s get talkin’.LinksThe Fiscal Feminist bookThe Bahnsen GroupKimberlee on LinkedInEpisode SponsorsThanks to Chime for sponsoring the show. Get started with Chime today. Applying for a free account takes less than 2 minutes. Get started at chime.com/mymoney.Thanks to Apple Card for sponsoring the show. Apply for the Apple Card now in the Wallet app on iPhone and start using it right away.Thanks to the Jordan Harbinger Show for sponsoring this episode. Search for The Jordan Harbinger Show on Apple Podcasts, Spotify, or wherever you listen to podcasts.Thanks to BetterHelp for sponsoring the show. I want you to start living a happier life today. As a listener, you’ll get 10% off your first month at BetterHelp by visiting our sponsor at http://www.betterhelp.com/mymoney. Thanks to Shopify for sponsoring the show. Shopify is more than a store. Connect with your customers. Drive sales. Manage your day-to-day. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.FOLLOW & SHARELeave us an honest rating and review, pretty please. Head to the podcast player you’re listening to this episode in to leave us a review or you can click here to leave a review for Everyone's Talkin' Money podcast on Apple Podcasts. Reviews help us continue to grow and bring on more amazing guests. Thank you in advance! Love this episode? Share it with a few friends so they can learn these valuable money concepts as well. Be sure to FOLLOW and SUBSCRIBE to never miss an episode!Have a Shannah Shares question? Submit your question here https://bit.ly/shannahsharesFollow Me on Instagram for more money tips and behind-the-scenes information https://www.instagram.com/shannahgameMore Ways to Enjoy Everyone's Talkin' MoneyDownload our FREE Top 25 Episode GuideSee 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

We're featuring one of my favorite vault episodes from 2018 that was a listener favorite. I hope you enjoy it!All personal finance experts can agree on one thing – starting to save early will almost always help you reach your lifestyle goals quicker and with more ease than those who wait longer. When you think about your savings there are two ways you can save – the crockpot style or the microwave style.Inspired by a recent industry article in Financial Planning Magazine, thinking about a crockpot for your savings strategy makes pretty good sense. With any crockpot recipe, the idea is simple. You gather all your ingredients ahead of time, throw them into the crockpot, turn it on low and slow for 6-8 hours, and then you have an almost always perfect meal sure to wow anyone.What You'll Learn We’ll chat about the crockpot method of savings Why a crockpot method might make more sense than microwaving your savings Focus on saving little by little over time with consistency so whenever you reach the age you would like to quit working, your investments and savings have spent some time “cooking together.” Let’s talk about what you can and can’t control with your savings Some guidelines to always keep in mind with savings Links Mentioned: 401(k) Calculator How Much to Save for Retirement Investor Questionnaire  Risk Tolerance Profile (just pretend it’s in USD) Episode SponsorsThanks to Chime for sponsoring the show. Get started with Chime today. Applying for a free account takes less than 2 minutes. Get started at chime.com/mymoney.Thanks to Apple Card for sponsoring the show. Apply for the Apple Card now in the Wallet app on iPhone and start using it right away.Thanks to the Jordan Harbinger Show for sponsoring this episode. Search for The Jordan Harbinger Show on Apple Podcasts, Spotify, or wherever you listen to podcasts.Thanks to BetterHelp for sponsoring the show. I want you to start living a happier life today. As a listener, you’ll get 10% off your first month at BetterHelp by visiting our sponsor at http://www.betterhelp.com/mymoney. Thanks to Shopify for sponsoring the show. Shopify is more than a store. Connect with your customers. Drive sales. Manage your day-to-day. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.FOLLOW & SHARELeave us an honest rating and review, pretty please. Head to the podcast player you’re listening to this episode in to leave us a review or you can click here to leave a review for Everyone's Talkin' Money podcast on Apple Podcasts. Reviews help us continue to grow and bring on more amazing guests. Thank you in advance! Love this episode? Share it with a few friends so they can learn these valuable money concepts as well. Be sure to FOLLOW and SUBSCRIBE to never miss an episode!Have a Shannah Shares question? Submit your question here https://bit.ly/shannahsharesFollow Me on Instagram for more money tips and behind-the-scenes information https://www.instagram.com/shannahgameMore Ways to Enjoy Everyone's Talkin' MoneyDownload our FREE Top 25 Episode GuideSee 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