Everyone's Talkin' Money

Living paycheck to paycheck doesn't just happen to people with small incomes. It's a universal problem that is very real, but most people don't talk about it. So, what can you do if you find yourself in the paycheck to paycheck cycle? My guest on this podcast is one cool chic, Tonya Rapley of My […] Read more...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Have you ever wondered - how do I know if I’m making the right decisions with my finances? How can I figure out if I’m saving enough money? How do I manage to pay off my student loans and saving for my future?You’re not alone if these money questions keep you awake at night. Clint Haynes is a CFP, founder of NextGen Wealth and the creator of the Financial Freedom Blueprint. He’s got one simple goal – to help everyone understand the importance of having a financial plan in place so you can hit your goals ASAP and on this episode, I put him in the hot seat to answer all your most-asked money questions.What You'll LearnClint's definition of financial freedom and why he's passionate to help others find itHow to figure out if you are making the right money decisionsWhat are some common money blind spots to be aware ofHow to think about your investmentsWhat you need to know before you hire a financial plannerHow to pay off debt while also saving some cashLinksThe Financial Freedom Blueprint Course -$200 off a single payment with code MILLENNIALMONEY1 or $200 off 6-month payment option with code MILLENNIALMONEY2NextGen WealthSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!Go behind the scenes of the podcast and sign up for our free monthly emails.Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

I bet you’re tired of hearing about recessions – recession this, recession that, but friends, now is a good time as any to get yourself and your career recession ready. Brandon Renfro, CFP, Ph.D., Associate Professor of Finance and all-around recession expert says the #1 thing to focus on is your career. What You'll LearnWhat is a recession and how does one startHow a recession impacts your money situationHow to prepare yourself for a recessionSteps you should take before a recession hitsHow to get your career recession readyLinksBrandon on LinkedInBrandon on FacebookBrandon's websiteSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!Go behind the scenes of the podcast and sign up for our free monthly emails.Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Six letters – BUDGET – 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 reboot episode, you'll learn how to create a budget, and why I'm giving you permission to throw out your budget with a few simple caveats. What You'll LearnUnderstand why you despise the process of budgeting firstWhat questions to ask yourself to get in a better money mindsetWhy setting goals is the key to achieving financial successSo many tips on how to win at budgeting and tracking your money each monthMy easy 1-2-3 system of budgetingWhy you need to be in the driver's seat when it comes to your spending (your future will thank you)Sharing my own story and struggles with budgetingSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!If you loved this episode, don’t forget to share it with your friends on your favorite social channel and tag @shannahgame.Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Maybe you have student loan debt or your career hasn’t reached it’s full earning potential yet, all of these potentially negative things don’t discount you from being able to come up with a healthy down payment to buy your first house (and I’m not talking about robbing a bank either).Today’s podcast guest, Cari Jacobs, the CMO of a company called Unison is joining us to share this new concept of co-investing with homeownership and why technology is helping you fund that elusive 20% down payment. So I wanted to know from Cari how is it possible to buy a home when you have less than 20% saved for your down payment.What I Ask: Is owning a home a reality if you’re still balancing debt and getting set up in your career?How is technology advancing the process of home buying and making it easier for millennials?Tell me about the history of Unison – how did the company and concept come about and what is the audience you’re trying to serve?If I wanted to purchase a $500,000 home for example, how would I work with Unison for my down payment?Are there any potential downsides?If you could leave the listeners with one tip about reaching their home buying goal, what would it be?What You'll LearnHow to balance debt you are paying off with the desire to buy a homeAll about the new concept of co-investing and how you can benefitWhy the millennial generation is so different when it comes to home buyingHow you can use someone else's money to leverage your down paymentIs now the right time to buy (or is there ever a right time to buy)How powerful the consumer home buying market is to our overall economyLinksUnisonUnison - How it WorksSUBSCRIBE & REVIEWWant to be the first to know when new episodes are released? Click here to subscribe in iTunes!Also, podcast reviews are super important to iTunes and the more reviews we have, the more we can spread the Millennial Money message (those iTunes algorithms are crazy). I’d be honored if you left a review and let me know what you love about the podcast.Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Fact: we have behavioral traps that keep us in our money mindset. We rationalize, compare, and make judgments when it comes to our money. Are those traps keeping you trapped or are they moving you closer to your money goals?Our guest today, Jeff Kreisler, author of the new book Dollars and Sense, How We Misthink Money and How to Spend Smarter, is sharing the hidden forces that drive our choices around money.What You'll LearnWhat are the hidden forces around money and why are they so hiddenHow to win the battle against irrational spending behavior (that is if you want to)How to trick our brains to make smarter choicesJeff's favorite takeaways from his new book LinksJeff's websiteDollars and Sense bookSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!Want to have a cup of coffee this week on us? Leave a review in iTunes and email a copy of your review to info@mmoneypodcast.com. Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

I think Kermit the Frog said it best, "Life’s like a movie. Write your own ending." So what do you want your movie to look like? It’s 2020, and that means it’s time to set some money intentions for the year that you can achieve, that will change your life, that have you looking back at 2020 in awe of all the amazing things you’ve done.What You'll LearnHow to change negative emotions around moneyPowerful ways to set intentions for 2020Why intentions matter more than resolutionsWhy you need to create a "wouldn't it be cool if" listHow to create a list of your top three intentions and strategies to achieve themSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!Go behind the scenes of the podcast and sign up for our free monthly emails.Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We all have talents – maybe you’re good at writing, or you can bake a mean pie, or maybe you’re great at organization, or snowboarding is your jam. What if there was a way to use your talents to travel the world and have epic adventures? Our podcasts guest, Abbey Ley, is sharing how she traded her graphic design talents to explore the world.What You'll LearnHow did Abbey learn how to trade her talents to travel the worldHow does Abbey travel while still paying off her student loan and manage her credit card debtAbbey recently went on a 6-week trip - how did she figure out where to save and where to splurgeWhat advice does Abbey have for you to figure out what your talents are that you can trade for travelWhat has Abbey's money journey been as a freelancer trying to balance earning money with saving for her futureLinksAbbey's companySamyama Mindfulness BaliSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!Want to have a cup of coffee this week on us? Leave a review in iTunes and email a copy of your review to info@mmoneypodcast.com. Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The average wedding in the U.S. costs $33,931. That's a lot of money to spend in one day. No matter what your budget is, you're going to need some tips on where to spend and where to save your cash. Aleisha McCormack, the host of the Bridechilla podcast, is joining us on this episode to dish her favorite wedding day tips to keep you and your bank account happy. (FYI: Aleisha is hilarious and even if you aren't getting married or you're already married you'll want to check this episode out.)What You'll LearnWhat are the most overrated expenses Aleisha has seen with weddings that you can avoidWhere you should spend and save your cashWhy Aleisha says everyone needs a F-it bucket and how it can save your wedding planningWhat are the ways to avoid stressing out about your weddingThe one piece of advice about getting married that Aleisha says you have to know aboutSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!Want to have a cup of coffee this week on us? Leave a review in iTunes and email a copy of your review to info@mmoneypodcast.com. Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Raise your hand if you want to get in a better mindset and smash your goals in 2019? No matter your goal is, big or small, you're going to need a plan to turn it from a desire into an achievable goal.What You'll LearnWhy certain goals succeed and other goals fall apartTalking through some of the goals that have worked for me over the years and how I was able to achieve themAsk Shannah question all about the saving money crisis in America and my thoughts on how to ramp up your savings for emergenciesIntroduction to the Money Game Plan Challenge to crush your goals in 4-weeks (it's free too)LinksMoney Game Plan Challenge Sign up (be sure to sign up by Feb 4th)Morty (proudly partnering with us for the Money Game Plan Challenge)Budgeting When the Numbers Don't Make SenseSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!If you loved this episode, don’t forget to share it with your friends on your favorite social channel and tag @shannahgame.Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

While you are busy Googling best ways to pay off debt, and best mutual funds to invest in, and best ways to build a budget, you should also be paying attention to best ways to travel.if you’re going to travel, you might as well know some of the insider tricks to save money, like how you could save a ton of cash just by traveling to and from a different airport. I’ve saved thousands and thousands of dollars over the last few years with different smart money moves that I’ve made, but I wanted to chat with Jesse from Dollar Flight Club to find out what else we should know about to saving money when we travel.What You'll LearnWhat are some of the secret ways to find flight dealsBusting apart some long-held travel myths so you can find the best dealWhy traveling to and from a different airport can save you a lot of cashThe difference between Dollar Flight Club and Google FlightsHow to find the best travel deals within the U.S.LinksDollar Flight ClubSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!Want to have a cup of coffee this week on us? Leave a review in iTunes and email a copy of your review to info@mmoneypodcast.com. Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's true; passive income is the name of the game. At only 27 years old, former financial advisor Rachel Richards has made a name for herself in the personal finance realm. In 2019, Rachel quit her job and retired, with over $10,000 per month in passive income! She is the bestselling author of “Money Honey” and “Passive Income, Aggressive Retirement” and shares what you need to know to start building passive income right now – yes, even in self-quarantine. Use this time to get new skills and start building some passive income.What You'll LearnWhat is passive income and how can you get someHow Rachel became a real estate investor with 35 units by 27Rachel's #1 secret to publishing your own bookWhy passive income isn't always so passiveWhy you need passive income now more than everLinksRachel's websiteRachel on InstagramMoney Honey bookPassive Income, Aggressive Retirement bookSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!Go behind the scenes of the podcast and sign up for our free monthly emails.Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Buying real estate has long been a great way to invest your money. As we saw with the mortgage meltdown, that doesn’t always hold true.Traditional real estate investing has been associated with people who have a lot of cash. With the financial technology explosion over the last few years, companies like Groundfloor are making a way for people like you and me to invest in real estate without having to win the lottery or rob a bank. Brian, the CEO of Groundfloor, which is the first -- and remains the only -- company qualified by the Securities and Exchange Commission to offer direct real estate debt investments available to non-accredited investors is on the podcast to share what you need to know.What You'll LearnWhat is Groundfloor and how is making real estate investing accessible for us allWhat's the difference between buying real estate and investing in real estateWhat research should you do before you invest in real estateWhy Brian thinks everyone should make their own investment decisions and what you need to knowWhen should you consider investing in real estate over other money goalsLinksGroundfloorSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!Want to have a cup of coffee this week on us? Leave a review in iTunes and email a copy of your review to info@mmoneypodcast.com. Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

I’m so excited to have back on the show our resident investing guru Michele Schneider. She’s sharing 9 investing megatrends that you need to know for 2020 and a whole lot of investing info to help you know where to put your money next year.You might remember Michele who wrote the book Plant your Money Tree and was on an earlier episode this year. I’m so in love with her book – I keep it as one of my staples on my nightstand and come back to when I need a good investing refresher. What I love about Michele and her advice is that she talks to us like we’re human and really explains the complex terms.What You'll LearnThe 9 investing megatrends Michele says you need to pay attention toHow to spot a megatrendHow to research a megatrendHow to think about investing past your 401(k) and IRAMichele scoops her upcoming bookLinksPlant Your Money Tree bookMichele on TwitterMarketGuageSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!Go behind the scenes of the podcast and sign up for our free monthly emails.Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Your credit score has power and that three-digit number has a dramatic impact on your financial future. If you do nothing else this year, grab your credit score the tail and yank it up to 700+ (preferably over 740). You don’t have to go all crazy trying for an 850 score – but don’t get lazy. Even if you have a good score, it could drop tomorrow by one silly mishap.Marsha Barnes from The Finance Bar will share her best tips to get your score in check for the new year.What You'll LearnWhy your credit score is a powerful piece of your financial futureHow to create a better financial brand for yourselfWhich credit scoring models do you need to care aboutWhat action steps you should take this year to raise your scoreHow your score impacts your job and where you liveWhy Marsha is so passionate about financial literacyLinksFICOThe Finance BarCredit KarmaCredit SesameSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!If you loved this episode, don’t forget to share it with your friends on your favorite social channel and tag @shannahgame.Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Maybe you’re wondering when the right time to buy a house is or why you should even consider buying a house. The good news is that you’re not alone and we all have those questions and doubts.Last week we talked to Cari from Unison about powerful ways to afford to buy a home without saving 20% down payment, and in this episode, we’ve got a fantastic interview with Gerry Burchard who is both a real estate agent and a customer of Unison. You’re going to love this episode whether you own a house or buying one is on your to-do list for the future.What You'll LearnIs now (or ever) the right time to buy a houseWhat are some home buying trends that millennials need to be aware ofWhy would you buy vs. rent a houseHow powerful the concept of leverage is with your money (aka, what could you be doing better with your money)Some of the biggest myths working a real estate agent and how do you find oneHow Unison helped Gerry maximize his home purchaseSUBSCRIBE & REVIEWWant to be the first to know when new episodes are released? Click here to subscribe in iTunes!Also, please share this podcast episode on your social networks and with friends. Sharing helps the podcast grow (and lets us know what content you're enjoying).Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Wealth means something different to each of us, but what will it take for you to build wealth and develop a wealthy mindset?Yes, you can do it. You can build wealth with what you’ve got in your bank account right now. It may seem hard to believe, but I’m going to show you how in today’s episode. My guest today is Linda P. Jones, and she teaches practical money, stock market investing and personal finance tips you can do to avoid mistakes and achieve financial freedom. Linda made $2 million at the age of 39 using what she calls her 6 steps to wealth.What I AskWhy does what you think about your money have so much to do with your success?How can you change your mindset if things in life haven’t worked out as planned or maybe you’ve made a money mistake that you’re really ashamed of?You talk a lot about why millionaires think differently – what goes on in a millionaires brain that we all need to learn?I love the story you share of your dad at 10 handing you the book Think and Grow rich – I think it should be on everyone’s nightstand and a manifesto for life. What did you take away from that book at a young age? What tips would you give to someone who really wants to amp up their investing practice next year? Where do they start?And how do you figure out what you want to invest in?Tell me more about your podcast Be Wealthy & Smart – what’s one of your fav episodes.What You'll LearnDeveloping a wealthy mindset helped Linda make $2 million by age 39We get to decide what we believe about moneyThe 6 Steps to WealthPower of compounding – hint, it’s the key to building wealthWhat are the steps to start investing in the new yearLinks:Be Wealthy & Smart PodcastShannah’s Episode on Be Wealthy & Smart PodcastLinda’s WebsiteSUBSCRIBE & REVIEWWant to be the first to know when new episodes are released? Click here to subscribe in iTunes!Also, podcast reviews are super important to iTunes and the more reviews we have, the more we can spread the Millennial Money message (those iTunes algorithms are crazy). I’d be honored if you left a review and let me know what you love about the podcast.Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Alright, let’s get real here. Are you making six figures but still using your parents' Netflix Login? Are you spending more money at Starbucks than you’re saving into your 401(k)? If you answered yes, you might be what’s called a HENRY- that is a high earner, that is not yet rich.In today’s episode, Gideon Drucker, a millennial and is a third-generation advisor at his family’s wealth management firm, Drucker Wealth in NYC, is dropping some serious knowledge about what being a HENRY might mean for your future and what can you do now to own your future.What You'll LearnWhat is a HENRY and how to avoid being oneHow do you begin to make money shifts if you are a HENRYWhat are we getting wrong with our thinking about financesGideon's three-bucket money approach that will change your lifeThe only number that Gideon says matters in terms of your financial futureHow Gideon went from a paratrooper to a CFPLinksDrucker WealthContact GideonHow to Avoid HENRY Syndrome: Financial Strategies to Own Your FutureSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!Go behind the scenes of the podcast and sign up for our free monthly emails.Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What does it mean to be a relationship with your money and how do you know what that relationship is or what it should be? Your relationship with your money has a big impact on the decisions you make and how well you achieve your goals and it’s up to you to decide what kind of relationship you want.Our guest on this episode is Dr. Wayne Pernell, a clinical psychologist, executive coach (with 40 years experience), relationship expert, black belt, musician and so much more. He's walking us through the steps to cultivate a good relationship with your money and why it matters in the first place.What You'll LearnWhat the word relationship means and how it originatedThe difference between core and peripheral values and why they matterHow our relationship with money will change over timeHow to rebuild a stronger relationship and push past the crap that doesn't workLinksDr. Wayne PernellGet a free copy of his book, The Significance FactorSUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!Want to have a cup of coffee this week on us? Leave a review in iTunes and email a copy of your review to info@mmoneypodcast.com. Ask ShannahHave an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today’s guest, Mollie Krengel, founder of Wild Bum and Wild Hive and a warrior for living life with more adventure & meaning, thinks that we need to reframe our minds around travel and has one simple tip to help you do just that - just get out and start exploring. Traveling isn't always about a big lavish trip but is about the experience and how that experience changes you even if you only travel a few miles from your home. And spoiler, you don't need a big budget to do so.What You'll LearnWhy are we not using our vacation days every yearWhat Mollie thinks is missing from travelMollie's tricks to travel on any budgetWhy Mollie started Wild Bum and Wild HiveWhy having curated travel guides is one of the best ways to travelLinksWild BumWild HiveThanks to Our SponsorToday's episode is brought to you by Audible - get a FREE audiobook download and 30-day free trial at www.audibletrial.com/MillennialMoney. Audible has over 180,000 titles to choose from no matter what book you want to dive into.SUBSCRIBE & SHAREWant to be the first to know when new episodes are released? Click here to subscribe in iTunes! IT’S FREE!Go behind the scenes of the podcast and sign up for our free monthly emails.Ask Shannah Have an Ask Shannah question, submit it hereGet SocialShannah on TwitterShannah on Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.