Everyone's Talkin' Money

In this episode, I'm covering everything you need to know about Health Savings Accounts, aka HSAs. This episode was inspired by six listeners who all wanted to know if they should have an HSA. Also, there are a lot of questions about what exactly is an HSA, how does one work, and how can you use it. I'm covering it all, including a conversation with Rida Wong from hsastore.com.LinksHsastore.comHealth Savings Account 101Episode SponsorsStart your 100-day trial and shop the entire Away lineup of travel essentials, including their best-selling suitcases at http://www.away.com/mymoney. Masterworks.io is the only platform that lets you invest in multimillion-dollar paintings by icons like Basquiat, Banksy, and Harring without breaking the bank. To get priority access to their offerings go to http://www.masterworks.com/mymoney. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.Right now, my listeners can get a bonus of $25 in crypto after you make your first purchase with BlockFi's Bitcoin Rewards Credit Card, when you sign up at blockfi.com/MYMONEY.FOLLOW & SHARELove 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 bit.ly/millennial-money Sign up for my weekly Let’s Talk Money email newsletter https://bit.ly/letstalkmoneyemail Shannah Shares: Community Q&AHave a Shannah Shares question, submit it here https://www.mmoneypodcast.comFollow Me Here for More Money TipsShannah on Twitter https://twitter.com/shannahgameShannah on Instagram https://www.instagram.com/shannahgame/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 know I’ve shared this with you before, but I bought my first house at 24 and honestly, had no idea what I was doing and probably had no business buying a house then. We just barely made the money work, which is never the best idea. But, here I am. It worked out ok. I want different for you. Our guest, real estate expert, Marina Shiferman, is changing the real estate game for everyone, women in particular. In this episode, Marina shares the insider secrets you need to know to buy and sell real estate, how to start investing in real estate, and everything from soup to nuts about the buying process and working with a realtor.About MarinaMarina and The Queen Team are a billion-dollar real estate team. You might call them the Real Estate Queen Dream Team because we can help you buy a home anywhere in the world, really.She is a proud homeowner (a few times over) and founder of The Real Estate Queen Academy where she teaches women how to buy and own real estate correctly and with confidence, from the big ideas and concepts down to the specific steps and strategies. She will not rest until all women become empowered homeowners and there are more badass women role models.LinksMarina's websiteNeed a realtorReal Estate AcademyEpisode SponsorsMasterworks.io is the only platform that lets you invest in multimillion-dollar paintings by icons like Basquiat, Banksy, and Harring without breaking the bank. To get priority access to their offerings go to http://www.masterworks.com/mymoney. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.Right now, my listeners can get a bonus of $25 in crypto after you make your first purchase with BlockFi's Bitcoin Rewards Credit Card, when you sign up at blockfi.com/MYMONEY.Make it the year you finally cross life insurance off your list, and get protection for your loved ones. Go to http://www.policygenius.com and get started. You could save 50% or more by comparing quotes and start the new year with one less thing to worry about.FOLLOW & SHARELove 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 bit.ly/millennial-money Sign up for my weekly Let’s Talk Money email newsletter https://bit.ly/letstalkmoneyemail Shannah Shares: Community Q&AHave a Shannah Shares question, submit it here https://www.mmoneypodcast.comFollow Me Here for More Money TipsShannah on Twitter https://twitter.com/shannahgameShannah on Instagram https://www.instagram.com/shannahgame/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

Whether you know it or not, you are making a statement with every dollar you spend, earn and save. What if your money could actually create change? Let me introduce you to a connect called Wallet Activism. Our guest, Tanja Hester, Tanja Hester, author of Work Optional: Retire Early the Non-Penny-Pinching Way and the forthcoming title Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change, is best known for retiring from her career at the age of 38, after watching her dad get forced into early retirement by his disability, which she inherited. In this episode, Tanja shares how you can channel your anger into meaningful, realistic wallet activism and use your financial power to fight for your values. It’s an incredibly powerful and life-changing message that will rock your world. LinksTanja's websiteWallet Activism book Episode SponsorsMasterworks.io is the only platform that lets you invest in multimillion-dollar paintings by icons like Basquiat, Banksy, and Harring without breaking the bank. To get priority access to their offerings go to http://www.masterworks.com/mymoney. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.Right now, my listeners can get a bonus of $25 in crypto after you make your first purchase with BlockFi's Bitcoin Rewards Credit Card, when you sign up at blockfi.com/MYMONEY.Make it the year you finally cross life insurance off your list, and get protection for your loved ones. Go to http://www.policygenius.com and get started. You could save 50% or more by comparing quotes and start the new year with one less thing to worry about.FOLLOW & SHARELove 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 bit.ly/millennial-money Sign up for my weekly Let’s Talk Money email newsletter https://bit.ly/letstalkmoneyemail Shannah Shares: Community Q&AHave a Shannah Shares question, submit it here https://www.mmoneypodcast.comFollow Me Here for More Money TipsShannah on Twitter https://twitter.com/shannahgameShannah on Instagram https://www.instagram.com/shannahgame/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

The Community Q&A comes from Sheila who writes: "Well hi there Shannah, thanks for all the great money gems that you dish out on the show. You’ve really changed my life and I love listening to episodes over and over again because I always learn something else. This podcast is like my fun encyclopedia for all things money. That sounds bad - seriously this show is fun and educational. Ok, so I have a question. I’ve really been thinking about my debt and want to seriously tackle it. I know you’ve done a lot of episodes on this, but curious if there’s one that you could point me to. I’m trying to reframe how I’m thinking about debt too. I know you mention that not all debt is bad...I mean, is that true? I seriously hope it is because it feels really unrealistic to say that I will never have debt and that when I’m debt-free, I won’t have debt again. That just doesn’t make any sense. So I think the trick is to figure out how to pay it off with a strategy as you say and then have a good mindset about debt going forward. Anyway, I’d love to hear any guest again that you think has a good perspective on this whole debt thing. Please keep up the podcast...it’s honestly the reason why my finances are so together and it feels really good." Take a listen to this episode featuring Michael Bovee and his take on debt. Michael is a debt expert and co-founder of Resolve a company that helps people in financial distress navigate their way to financial health. In this chat, Michael shares ways to pay down debt, the nitty-gritty about debt settlement, and the ins and outs of filing for bankruptcy. My rule is there is no room for judgment when it comes to debt – life happens, things happen, let this episode be a tool you can use if you or anyone you know find themselves making debt payoff a top resolution for 2020. LinksResolvePay Down DebtEpisode SponsorsMasterworks.io is the only platform that lets you invest in multimillion-dollar paintings by iconslike Basquiat, Banksy, and Harring without breaking the bank. To get priority access to their offerings go to http://www.masterworks.com/mymoney.Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.Right now, my listeners can get a bonus of $25 in crypto after you make your first purchase with BlockFi's Bitcoin Rewards Credit Card when you sign up at blockfi.com/MYMONEY.Make it the year you finally cross life insurance off your list, and get protection for your loved ones. Go to http://www.policygenius.com and get started. You could save 50% or more by comparing quotes and start the new year with one less thing to worry about.FOLLOW & SHARELove 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 bit.ly/millennial-moneySign up for my weekly Let’s Talk Money email newsletter https://bit.ly/letstalkmoneyemail Shannah Shares: Community Q&AHave a Shannah Shares question, submit it here https://www.mmoneypodcast.com Follow Me Here for More Money TipsShannah on Twitter https://twitter.com/shannahgameShannah on Instagram https://www.instagram.com/shannahgame/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 two ways to fix your budget. The first way is to save more money. The second way is to make more money. That's where side hustle's come in. Whether it's to earn a few extra bucks or to transition to a new career, side hustle's are a great way to better your money situation. Take it from our guest, Nicaila Matthews Okome. You may know her as the host of the Side Hustle Pro podcast or her course Podcast Moguls. In this episode, Nicaila is sharing her secrets to build a side hustle empire, why some side hustles fail, and how to find the right side hustle for you.Links Side Hustle Pro podcast Podcast Moguls course How to Easily Create a Budget Budget the Right Way episode Budgeting Sucks, No One Has a Plan, But You Can episode Get a Life You Love on a Budget You Can Afford episode Episode SponsorsMasterworks.io is the only platform that lets you invest in multimillion-dollar paintings by icons like Basquiat, Banksy, and Harring without breaking the bank. To get priority access to their offerings go to http://www.masterworks.com/mymoney. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.Right now, my listeners can get a bonus of $25 in crypto after you make your first purchase with BlockFi's Bitcoin Rewards Credit Card, when you sign up at blockfi.com/MYMONEY.Make it the year you finally cross life insurance off your list, and get protection for your loved ones. Go to http://www.policygenius.com and get started. You could save 50% or more by comparing quotes and start the new year with one less thing to worry about.FOLLOW & SHARELove 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 bit.ly/millennial-money Sign up for my weekly Let’s Talk Money email newsletter https://bit.ly/letstalkmoneyemail Shannah Shares: Community Q&AHave a Shannah Shares question, submit it here https://www.mmoneypodcast.comFollow Me Here for More Money TipsShannah on Twitter https://twitter.com/shannahgameShannah on Instagram https://www.instagram.com/shannahgame/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

Living simply is one of the best ways to create wealth. Living in only 150 square feet for years, Ryan Mitchell has learned a thing or two about living simply. From downsizing, to life simplification, and designing a life that’s right for you, Ryan brings a lot of experience and practical knowledge to the table. He built his own tiny house in 2012 learning as he went along which inspired him to help others in their journey to live small. Today he still lives in his tiny house full time and off grid with solar, teaching others how to live simply. In this episode, we talk about ways to simplify your life, why it matters, how to build wealth by living simply, and how it might be the missing piece to you achieving the stuff you want in life.LinksThe Tiny LifeTiny Life on YouTubeEpisode SponsorsMasterworks.io is the only platform that lets you invest in multimillion-dollar paintings by iconslike Basquiat, Banksy, and Harring without breaking the bank. To get priority access to their offerings go to http://www.masterworks.com/mymoney.Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.Right now, my listeners can get a bonus of $25 in crypto after you make your first purchase with BlockFi's Bitcoin Rewards Credit Card, when you sign up at blockfi.com/MYMONEY.Make it the year you finally cross life insurance off your list, and get protection for your loved ones. Go to http://www.policygenius.com and get started. You could save 50% or more by comparing quotes and start the new year with one less thing to worry about.FOLLOW & SHARELove 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 bit.ly/millennial-money Sign up for my weekly Let’s Talk Money email newsletter https://bit.ly/letstalkmoneyemail Shannah Shares: Community Q&AHave a Shannah Shares question, submit it here https://www.mmoneypodcast.comFollow Me Here for More Money TipsShannah on Twitter https://twitter.com/shannahgameShannah on Instagram https://www.instagram.com/shannahgame/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

Tearing down 5 investing taboos on this episode of Shannah Shares, Community Q&A. Today's question comes from Laquesha: "Hi Shannah. Thanks so much for answering my question. I really want to start investing but I keep getting hung up on all the chatter out there. I can’t figure out if I’m supposed to wait to start investing until I’ve paid off all my debt, or is that not smart to do? Also, it just feels like I need to be an expert at investing to do it well. I know that’s not true, but man, it just feels so hard to figure out investing. I know so many people are making a kiling, and I kinda feel bad that I haven’t started at all, know what I mean. You’ve done so many great investing episodes, I’m curious if there’s an episode from the past that you think I should check out. You’re awesome and I so appreciate this show for motivating me. My boyfriend can’t believe I care this much about my money, but I just tell him, yes, yes I do and so should you. Ok, thanks again."LinksDefine FinancialStay Wealthy, San DiegoEpisode SponsorsGo to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.Right now, my listeners can get a bonus of $25 in crypto after you make your first purchase with BlockFi's Bitcoin Rewards Credit Card, when you sign up at blockfi.com/MYMONEY.Make it the year you finally cross life insurance off your list, and get protection for your loved ones. Go to http://www.policygenius.com and get started. You could save 50% or more by comparing quotes and start the new year with one less thing to worry about.FOLLOW & SHARELove 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 bit.ly/millennial-money Sign up for my weekly Let’s Talk Money email newsletter https://bit.ly/letstalkmoneyemailShannah Shares: Community Q&AHave a Shannah Shares question, submit it here https://www.mmoneypodcast.comFollow Me Here for More Money TipsShannah on Twitter https://twitter.com/shannahgameShannah on Instagram https://www.instagram.com/shannahgame/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

Fighting about money with your partner is not necessarily a bad thing. When it comes to couples and money there are two issues: #1 you don't want to talk about money with your partner, and #2 you think you are always right. You just need some strategies to make sure you're cultivating a healthy money partnership.Casey and Meygan Caston, the creators of Marriage 365, are here to share how you can avoid those nasty money fights, get on the same money page, and have a thriving relationship. They share their real-life story of battling through $200,000 in debt, almost getting divorced, to now running a global business that is all about creating happy relationships. It's safe to say they know a thing or two about healthy relationships.LinksMarriage 365Happily Ever After CourseEpisode SponsorsGo to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.Right now, my listeners can get a bonus of $25 in crypto after you make your first purchase with BlockFi's Bitcoin Rewards Credit Card, when you sign up at blockfi.com/MYMONEY.Make it the year you finally cross life insurance off your list, and get protection for your loved ones. Go to http://www.policygenius.com and get started. You could save 50% or more by comparing quotes and start the new year with one less thing to worry about.FOLLOW & SHARELove 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 bit.ly/millennial-money Sign up for my weekly Let’s Talk Money email newsletter https://bit.ly/letstalkmoneyemail Shannah Shares: Community Q&AHave a Shannah Shares question, submit it here https://www.mmoneypodcast.comFollow Me Here for More Money TipsShannah on Twitter https://twitter.com/shannahgameShannah on Instagram https://www.instagram.com/shannahgame/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 a first time homebuyer, you are going to listen to this episode on repeat! Kristi Nowrouzi is here to educate you. As a mortgage loan originator for nearly 10 years, she has analyzed thousands and thousands of credit reports and helped people have a well-rounded understanding of finance, money, and credit as it pertains to them. Kristi shares how to beat out cash buyers, how to get the best mortgage for you, and she’s walking you through the ENTIRE mortgage process from soup to nuts. Even if you own a home, Kristi’s tips will prepare you for house #2.LinksCredit KristiCredit Coaching By Kristi PodcastKristi on InstagramEpisode SponsorsGo to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.Right now, my listeners can get a bonus of $25 in crypto after you make your first purchase with BlockFi's Bitcoin Rewards Credit Card, when you sign up at blockfi.com/MYMONEY.Make it the year you finally cross life insurance off your list, and get protection for your loved ones. Go to http://www.policygenius.com and get started. You could save 50% or more by comparing quotes and start the new year with one less thing to worry about.FOLLOW & SHARELove 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 bit.ly/millennial-money Sign up for my weekly Let’s Talk Money email newsletter https://bit.ly/letstalkmoneyemail Shannah Shares: Community Q&AHave a Shannah Shares question, submit it here https://www.mmoneypodcast.comFollow Me Here for More Money TipsShannah on Twitter https://twitter.com/shannahgameShannah on Instagram https://www.instagram.com/shannahgame/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 of Shannah Shares, Community Q&A, I'm covering tips to boost your credit score this fall. Our community question comes from Jackie:"Hello, Shannah. I finally worked up enough courage to send in a question. I’d love to know any money tricks in general and how to boost my credit score. I’m really trying to get my money stuff (trying to avoid profanity there but you know what word I want to use) together this fall. My credit has been in the not so good place for a while, my fault totally, but I’ve decided I need to wise up and tackle this ASAP. Thank you again for this amazing podcast."LinksExperian Episode SponsorsGo to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features.Right now, my listeners can get a bonus of $25 in crypto after you make your first purchase with BlockFi's Bitcoin Rewards Credit Card, when you sign up at blockfi.com/MYMONEY.Make it the year you finally cross life insurance off your list, and get protection for your loved ones. Go to http://www.policygenius.com and get started. You could save 50% or more by comparing quotes and start the new year with one less thing to worry about.FOLLOW & SHARELove 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 bit.ly/millennial-money Sign up for my weekly Let’s Talk Money email newsletter https://bit.ly/letstalkmoneyemail Shannah Shares: Community Q&AHave a Shannah Shares question, submit it here https://www.mmoneypodcast.comFollow Me Here for More Money TipsShannah on Twitter https://twitter.com/shannahgameShannah on Instagram https://www.instagram.com/shannahgame/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