Everyone's Talkin' Money

This episode was inspired by a question from Bri: "Thank you for being the FIRST person to support me through my financial journey as an adult. I’m currently healing from many different emotions surrounding money. My question for you is about credit cards with perks. I got a few cards totaling 4,000 that I’m paying down but I didn’t realize I was doing a disservice to myself by not utilizing cards with perks (travel, rewards). Should I be moving toward paying off and closing 2/3 of those cards or pay off/down and try to add those smarter cards to my life? Thanks again for all you do, you’ve changed my life for the better. I’m not as afraid of money as I once was."Links MentionedCreditcards.comCredit KarmaNerdWalletCredit SesameShould I Close My Credit Card articleEpisode 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.Taking care of your employees is more important than ever. With Gusto, everything you need to hire, pay, manage, and support your hardworking team is in one modern solution: Gusto’s people platform. Get 3 months free when you sign up at gusto.com/mymoney.Thanks to My First Million for sponsoring the show. If you're the type of person who's like me and always thinking about new business ideas and startup ideas, start listening today to the My First Million podcast on any podcast player.Thanks to Open Door Capital for sponsoring the show. Go to https://odcfund.com/ to learn more.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.Thanks to Ladder for sponsoring the show. Go to http://www.Ladderlife.com/mymoney to see if you’re instantly approved for Life Insurance to provide for your family if the unthinkable happens.FOLLOW & SHARELeave us an honest rating and review. Head to the podcast player you’re listening to this episode in to leave us a review. 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/everyonestalkinmoney/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 are NFTs and are they really an investment? I’ve been looking forward to this episode for quite some time because I’ve got a lot of NFT questions. It feels like all I’m reading these days is more about NFT hacks and losses so I was curious to know everything - what are NFTs, how do you create one, and are NFTs actually investments that you should spend your money on. Also, I’m a bit curious if NFTs are just another passing fad or here to stay. I knew just who to talk to. Stephen Young is the Founder and CEO of NFTfi, a company that allows NFT owners to use the asset you own to access liquidity, aka cash. As Stephen says in our conversation, “NFTs are simply memes you can invest in.” I think we need to know a lot more about NFTs, so let’s get talkin’.LinksNFTfiStephen 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.Taking care of your employees is more important than ever. With Gusto, everything you need to hire, pay, manage, and support your hardworking team is in one modern solution: Gusto’s people platform. Get 3 months free when you sign up at gusto.com/mymoney.Thanks to My First Million for sponsoring the show. If you're the type of person who's like me and always thinking about new business ideas and startup ideas, start listening today to the My First Million podcast on any podcast player.Thanks to Open Door Capital for sponsoring the show. Go to https://odcfund.com/ to learn more.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.Thanks to Ladder for sponsoring the show. Go to http://www.Ladderlife.com/mymoney to see if you’re instantly approved for Life Insurance to provide for your family if the unthinkable happens.FOLLOW & SHARELeave us an honest rating and review. Head to the podcast player you’re listening to this episode in to leave us a review. 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/everyonestalkinmoney/ 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

I have some shocking info to share with you. Data shows that almost all women will be single at some point either later in life or in the earlier years. Whether it’s being married and getting a divorce, being married and being widowed, or never getting married, if you’re a woman listening, buckle up for singlehood. And, unlike dual-earning couples, many of America’s 66 million unmarried women survive on one income. Yep, I know, mind blown, right? Of course, women earn less and are more at risk when things like the current levels of inflation spike up. What this means is that we have to be smarter with how we save, spend and invest our money. Margaret Price and Jill Gianola have written a great book called, Single Women & Money detailing everything you need to know to live well on your income. These powerhouse women are guests on this episode and share why the money situation for single women differs greatly, how the economy impacts single women more intensely, financial resources for single women in hardship, and key money steps to take in their 30s, 40s, and 50s, and so much more. Let’s jump into the conversation.LinksSingle Women & Money bookMeet Margaret and JillEpisode 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 My First Million for sponsoring the show. If you're the type of person who's like me and always thinking about new business ideas and startup ideas, start listening today to the My First Million podcast on any podcast player.Thanks to Open Door Capital for sponsoring the show. Go to https://odcfund.com/ to learn more.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.Thanks to Ladder for sponsoring the show. Go to http://www.Ladderlife.com/mymoney to see if you’re instantly approved for Life Insurance to provide for your family if the unthinkable happens.FOLLOW & SHARELeave us an honest rating and review. Head to the podcast player you’re listening to this episode in to leave us a review. 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/everyonestalkinmoney/ 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

In this episode, I'm featuring a Budget Rescue with Robert who asks:"Hi Shannah, thanks for taking the time to answer my question. BTW I love the new name of the show. This is one of the only places I feel like we can listen to all different types of conversations and you always surprise me with the topics. It’s so cool. I’m writing to see if you would give me some insights into my monthly budget. Here’s my snapshot - I make around $5K per month and have a fairly stable job, at least I think so. Here’s my spending:Rent - $1950Car payment - $350Student Loans - $300 once the pause stops in AugustCredit cards - I owe $6300 on two cards and pay $250 on one and $275 on the other. I know I need to get rid of this debtGroceries - approximately $100 a week/ $400 a monthEating out - $500 (sigh, I like to eat out a lot)Household items - $150Dog care - approx $125 a monthClothes shopping - $150 a month on averageUtilities - $250 a month Car insurance - $165 a month ATT cell phone - $127 a monthI know that I should have around $350 - $500 a month left over but the problem is that I don’t each month and I can’t figure out why. You’re super good at helping people with their budgets so I was wondering if you could give me some pointers and thoughts on what I might be missing or not including here. I’d like to be able to save some money for my ER fund every month and put some into a travel savings account. Thanks again for this show…it’s helped me so much."Links MentionedBudget Rescue Info Form (Be featured in an upcoming episode)4 Important Factors to Save Money on Your Car Insurance 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 My First Million for sponsoring the show. If you're the type of person who's like me and always thinking about new business ideas and startup ideas, start listening today to the My First Million podcast on any podcast player.Thanks to Open Door Capital for sponsoring the show. Go to https://odcfund.com/ to learn more.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.Thanks to Ladder for sponsoring the show. Go to http://www.Ladderlife.com/mymoney to see if you’re instantly approved for Life Insurance to provide for your family if the unthinkable happens.FOLLOW & SHARELeave us an honest rating and review. Head to the podcast player you’re listening to this episode in to leave us a review. 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/everyonestalkinmoney/ 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

How would your life have changed had you learned about money in high school or even college? I know mine would, fingers crossed, be very different. Our guest in this episode, Jake Cousineau, is a high school teacher helping young adults better understand personal finance as well as the author of “How to Adult: Personal Finance for the Real World”. Inspired by his own lack of personal finance knowledge, Jake poured himself into creating a curriculum for his students that would be life-changing and decided to detail it all in his new book. As Jake says, “the best time to fix your money problems is right now, no matter what age you are.” In this episode, Jake is sharing his best personal finance tips to help you move from being reactive with your money to proactive so you can avoid so many money pitfalls and rebound from any money mistakes you might have already made. We all need to foster this skill for sure! I’ll let Jake tell you more. Alright, let’s get talkin’.LinksHow to Adult bookMoney Foundation videosEpisode 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 My First Million for sponsoring the show. If you're the type of person who's like me and always thinking about new business ideas and startup ideas, start listening today to the My First Million podcast on any podcast player.Thanks to Open Door Capital for sponsoring the show. Go to https://odcfund.com/ to learn more.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.Thanks to Ladder for sponsoring the show. Go to http://www.Ladderlife.com/mymoney to see if you’re instantly approved for Life Insurance to provide for your family if the unthinkable happens. FOLLOW & SHARELeave us an honest rating and review. Head to the podcast player you’re listening to this episode in to leave us a review. 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/everyonestalkinmoney/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

When you get married, you want to start your shared life together on the right financial foot. Most people are so involved with wedding planning that they put off having necessary money conversations that always arise after you tie the knot, and those often lead to fights and relationship breakdowns. If I’m honest, even as a CERTIFIED FINANCIAL PLANNER™, I still had some money fears after saying “I Do.” Based on my years working as a financial planner (AKA a marriage financial therapist) and personal experience, there are six major money decisions to make after you get married.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 Open Door Capital for sponsoring the show. Go to https://odcfund.com/ to learn more.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.Thanks to Ladder for sponsoring the show. Go to http://www.Ladderlife.com/mymoney to see if you’re instantly approved for Life Insurance to provide for your family if the unthinkable happens. FOLLOW & SHARELeave us an honest rating and review. Head to the podcast player you’re listening to this episode in to leave us a review. 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!Follow Me on Instagram for more money tips and behind the scenes information https://www.instagram.com/everyonestalkinmoney/ 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

This week we’ve been focusing on student loans, hopefully, you had a chance to listen to our jam-packed episode with Robert Farrington on the student loan debacle. In this episode, we’re diving deeper into navigating the college aid process and all things FAFSA with Stuart Siegel, a nationally respected Financial Aid expert and founder of FAFSAssist. Get this, did you know that $24 billion dollars in financial aid that the government makes available go to waste each year simply because students aren’t applying for it? Whether you’re thinking about going back to college, have kids who are getting ready for college, or are simply thinking about having a child soon, this episode is for you. Stuart shares the right way to value assets, how to negotiate with colleges, why you shouldn’t respond to college offers too soon, and how to file the FAFSA the right way. Oh, and we also dive into the underbelly of just who is making money with student loans.LinksFAFSAssistStuart's BioThe Student Loan Debacle 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 Open Door Capital for sponsoring the show. Go to https://odcfund.com/ to learn more.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.Thanks to Ladder for sponsoring the show. Go to http://www.Ladderlife.com/mymoney to see if you’re instantly approved for Life Insurance to provide for your family if the unthinkable happens.FOLLOW & SHARELeave us an honest rating and review. Head to the podcast player you’re listening to this episode in to leave us a review. 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!Follow Me on Instagram for more money tips and behind the scenes information https://www.instagram.com/everyonestalkinmoney/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

If you’re one of the 43 million student loan borrowers in the U.S. right, my guess is you’re thinking, WTF is going on. Student loans for many borrowers have been on pause due to the pandemic and are set to resume on August 31, 2022…if things don’t change, and they might. And what about that $10K student loan forgiveness…who knows. Since I don’t have a crystal ball, I can’t tell you what is going to happen, however, our guest on this episode, Robert Farrington, America’s Student Loan Debt Expert™ and the founder of The College Investor shares his thoughts on how this whole thing will shake out. Robert is also talking about the power of the Public Service Loan Forgiveness program that 25% of borrowers qualify for, how to make sure you’re on the right payment plan, what to do to prepare for when loans do get resumed, the future of student loans, and so much more. Alright, let’s start talkin’ money.LinksThe College InvestorPublic Student Loan Forgiveness ProgramEpisode SponsorsThanks to Wealthfront for sponsoring the show. To start building your wealth, and get your first $5,000 managed for FREE, for life, go to http://www.wealthfront.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.Thanks to Novo for sponsoring the show. Sign up for your FREE business checking account RIGHT NOW at novo.co/mymoney. Plus, podcast listeners get access to over $5,000 in perks and discounts.Thanks to Issuu for sponsoring the show. Get started with Issuu today for FREE or if you sign up for a premium account you will get 50% off when you go to ISSUU.com/mymoney.FOLLOW & SHARELeave us an honest rating and review. Head to the podcast player you’re listening to this episode in to leave us a review. 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!Follow Me on Instagram for more money tips and behind the scenes information https://www.instagram.com/everyonestalkinmoney/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

If you’ve been listening for a while now you know how passionate I am about helping understand that money success is not just about the how-tos. As our guest, Pam Krueger says, “money success it’s not just numbers. 99% of success is behavior and 1% is anything having to do with finance or math.” Pam is also passionate about teaching you the importance of money EQ. She’s the founder and CEO of Wealthramp, an advisor matching platform that connects consumers with vetted and qualified fee-only financial advisors. She is also the creator and co-host of the award-winning MoneyTrack investor-education television series seen nationally on PBS and Friends Talk Money podcast. Pam’s advice is that once you realize that confidence is the way to develop a plan that works for you can build from there in a way that actually works. In this episode, Pam shares her method for understanding how you can build money confidence starting today so money can flow through your life in a way that actually moves you forward. Yes, go ahead and put this episode on repeat cause it’s worth a second, third, and fourth listen. Let’s get talkin’.LinksWealthramp: https://wealthramp.com/Follow on Twitter @WealthrampFacebook https://www.facebook.com/wealthramp/LinkedIn https://www.linkedin.com/company/wealthramp/Episode SponsorsTaking care of your employees is more important than ever. With Gusto, everything you need to hire, pay, manage, and support your hardworking team is in one modern solution: Gusto’s people platform. Get 3 months free when you sign up at gusto.com/mymoney.Thanks to Wealthfront for sponsoring the show. To start building your wealth, and get your first $5,000 managed for FREE, for life, go to http://www.wealthfront.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.Thanks to Novo for sponsoring the show. Sign up for your FREE business checking account RIGHT NOW at novo.co/mymoney. Plus, podcast listeners get access to over $5,000 in perks and discounts.Thanks to Issuu for sponsoring the show. Get started with Issuu today for FREE or if you sign up for a premium account you will get 50% off when you go to ISSUU.com/mymoney.FOLLOW & SHARELeave us an honest rating and review. Head to the podcast player you’re listening to this episode in to leave us a review. 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!Follow Me on Instagram for more money tips and behind the scenes information https://www.instagram.com/everyonestalkinmoney/ 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

This is a special reboot episode. Imagine this...a bunch of really smart people sitting around and deciding to invent a financial product that would democratize investing and save investors like you and me billions of dollars in fees. And thus the invention of the Index Fund - probably the most popular way to invest today. Our guest, Robin Wigglesworth, has written this phenomenal and insightful book called Trillions: How a Band of Wall Street Renegades Invented the Index Fund and Changed Finance Forever. Whether you are a newbie to index funds or a seasoned pro, Robin is going to share with you the incredible power of index funds, what the heck they are, and why he believes being a little bit lazy is the key to building wealth and financial success.LinksTrillions book by Robin WigglesworthRobin Wigglesworth with the Financial TimesRobin on TwitterEpisode SponsorsTaking care of your employees is more important than ever. With Gusto, everything you need to hire, pay, manage, and support your hardworking team is in one modern solution: Gusto’s people platform. Get 3 months free when you sign up at gusto.com/mymoney.Thanks to Wealthfront for sponsoring the show. To start building your wealth, and get your first $5,000 managed for FREE, for life, go to http://www.wealthfront.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.Thanks to Novo for sponsoring the show. Sign up for your FREE business checking account RIGHT NOW at novo.co/mymoney. Plus, podcast listeners get access to over $5,000 in perks and discounts.Thanks to Issuu for sponsoring the show. Get started with Issuu today for FREE or if you sign up for a premium account you will get 50% off when you go to ISSUU.com/mymoney.Thanks to Ladder for sponsoring the show. Go to http://www.Ladderlife.com/mymoney to see if you’re instantly approved for Life Insurance to provide for your family if the unthinkable happens.FOLLOW & SHARELeave us an honest rating and review. Head to the podcast player you’re listening to this episode in to leave us a review. 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!Follow Me on Instagram for more money tips and behind the scenes information https://www.instagram.com/everyonestalkinmoney/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