Everyone's Talkin' Money

On a recent trip to Indianapolis (my hometown), I had the privilege of joining Mina and Karen of HGTV's Good Bones for coffee and a chat about their thriving career. This mother-daughter home remodeling duo is hilarious (as you'll hear). Karen, a former practicing lawyer, and her daughter, Mina, decided to say "no thank you" to the typical 9 to 5 career, took a risk with money she had saved in an IRA and started a thriving remodeling business in Indianapolis. And then, one day, HGTV came calling, and the rest is history. What You'll Learn This was one of my very favorite interviews. Not only were we sitting in a super cool coffee shop in Indianapolis, but I was so inspired by Mina and Karen's story of taking risks, charting your own path, and having a sense of humor about the moments that don't work out. Not everyone gets a call from HGTV, but I think we can all aspire to find a career that we feel good about and helps other people at the same time! Mina shares how she wisely invested in an IRA in college and those funds ended up funding their very first home purchase Find out how they choose their remodeling projects and hear some great stories about some of the craziest houses they've worked on Be inspired by Mina's pledge to not work a typical 9 to 5 and why she decided to take the risk of starting a remodeling business They share the story of how HGTV came calling and why they thought it was a shady call and so not real Learn how they've continued to grow their career and why they're not resting solely on HGTV's success Links Good Bones Two Chicks and a Hammer SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question, submit it here Get Social Shannah on Twitter Shannah on Instagram 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

We all know that money taboos exist except we don't really talk about them. In fact, we don't really talk about anything in relation to money unless we absolutely have to. Have you ever stopped to think why this is? In the U.S., we have a terrible reputation of not making enough strides when it comes to financial literacy - which in turn enables money taboos to go right on existing. We need to talk though. We need to understand our money taboos and what role they play in our financial success and then we need to teach others how to do the same. What You'll Learn To start, I'm going back and sorting through some financial literacy history in the U.S. to make a case for why money taboos exist Who is to blame - teachers, parents, government, etc? What do you think What happens if we let money taboos continue to grow without putting out the flames Steps you can take to break free from any money taboos holding you back Why our closest relationships are the place we need to start with when it comes to talking about money Discussion about the states mandating financial literacy, and why there are only 5 SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question, send me a DM on Instagram or submit it here Sunday Seven Email Club Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Get Social Shannah on Twitter Shannah on Instagram 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 don't think you can ever learn too much about investing and growing your wealth. While investing can seem super complicated, the good news is that there are a lot of resources these days to help you out (like this podcast). One of them is my good friend and fellow CFP®, Doug Boneparth. Doug's joined us on the podcast a few times in the past, and he's back again to help me answer some of your #AskShannah investing questions. Whether you're new to investing or a seasoned pro, you'll enjoy this episode with an inside look into three of your investing questions from two CFP®'s who share a love of simplifying money concepts into fun bite-sized pieces you can easily digest! Questions Asked Active vs. Passive Investing: Is active investing becoming more favorable with volatile markets? Are cannabis stocks the next great thing or just a fad in your opinion and what do I need to know? Should I be investing as much as I can in my 401(k) or should I look at an IRA or a ROTH? I know you always say it depends on our own situation and goals – what would be an advantage or investing more in my 401(k) above the match? What You'll Learn How to match your investing strategy with your lifestyle goals What is active vs. passive investing anyway Why you should never think of stocks as "the next best thing" Why your 401(k) is so powerful for your retirement savings Why we think financial literacy is so critical to your future financial success Links Bone Fide Wealth (Doug's Company) Millennial Money Fix Book Doug on Twitter SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question, submit it here Get Social Shannah on Twitter Shannah on Instagram 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 curious thing about building wealth is that there is always a risk brewing somewhere. Those risks can cost money and wipe away your savings if you're not prepared. What if you had a flood in your home - are you prepared and what do you do if that happens? In the U.S. we deal with hurricanes, tropical storms, flood-prone areas and more, but you don't have to live in a flood area to suffer damage. Jason Hargraves from Insurancequotes.com is ready to educate us. Questions I Ask With Hurricane Florence fresh in our minds can you run through some high-level details for us -what is, who needs it, and how do you get it? How does a deductible work in flood insurance? Are there states that mandate flood insurance? What happens if you live in an apartment? Do you need flood insurance? Are there any other reasons why we should think about flood insurance? Have any tips for how you can file a claim after a flood – painlessly? What You'll Learn How to take an inventory of your home to prove your possessions How a natural disaster can cause financial havoc What is the process of acquiring flood insurance and how do you know if you have too much or too little What is covered by flood insurance vs. regular homeowner's insurance Links InsuranceQuotes.com How to File An Insurance Claim After Hurricane Florence Sortly Home Inventory App SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question- send it to me on Instagram or submit it here Get Social Shannah on Twitter Shannah on Instagram 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

It sounds amazing to travel as your job – always a new location, meeting new people, eating amazing food, drinks from around the world, and more, but let’s be real, traveling is no-joke these days – long lines, delays, time changes, etc. So what does it take to turn your love or travel into a career and actually make money? If you’ve ever wanted to crack the code and find out all the ways you can make money traveling the world, Sebrin Elms form The Clumsy Traveler is going to answer all your questions. Questions I Ask How did you get started travel writing Have you always had a love for traveling and when did you decide to turn it into a career What are the different ways you make money when you travel and how did you develop those income sources What are the first steps someone should take if they wanted to start a travel writing career What are some of your favorite travel destinations that you've been on in the last year How do you deal with inconsistent income as an entrepreneur What You'll Learn Sebrin is sharing an open and honest discussion about how she makes money travel writing based on a story she wrote for Go Banking Rates. It may sound like a glamorous job, but it's still a job with a lot of work involved. There's no doubt you'll leave this podcast interview inspired to go out and chase your own dreams, even if they don't sound realistic to most people, and encouraged that you can make money in untraditional ways. SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question, submit it here Get Social Shannah on Twitter Shannah on Instagram 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

Do you know the value of your network? Most of us take for granted the relationships we make in our career and don't realize their worth. What if there was someone in your network right now that held the keys to your dream career or to opening a door that would score you a book deal and more? There's power in your network, and our podcast guest, Kelly Hoey, is here to show you how to Build Your Dream Network (also the name of her amazing book)!! Questions I Ask Kelly I’ve gotta ask, have you always been a natural networker or is this something you had to work on? I saw a graphic you posted on Twitter and it really makes think – “no one cares about your career as much as you do”. That sounds obvious, but we forget it. Why do we need to remember that? A lot of us hate the networking – how can we make peace with it and do it effectively? Why is having a network so key to our success? What about if you’re terribly shy – where do you start? Do you have any stories you can share with how having this dream network has helped you in ways that just blow your mind? What You'll Learn Why your relationships are worth value to your bank account How to have an entrepreneurial mindset with your career Why you might need to rethink networking and how to win at each event Never underestimate anyone, even your Uber drivers How to build a network that will keep paying you dividends for many years SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question, submit it here Get Social Shannah on Twitter Shannah on Instagram 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 best part about being a podcaster is getting to create a community and deliver content that you want to hear. Your Ask Shannah questions have inspired this podcast episode, and we're starting off with a question about how you can put your finances on auto-pilot (inquiring minds want to know). I'm a big fan of auto-pilot, mixed with a few manual pieces each month to get your money flowin' in the right direction. What You'll Learn I'm tackling three Ask Shannah questions in this episode and diving deep into some tools that you can use to help your finances for the rest of this year and beyond. Learn how to put the key areas of your finances on auto-pilot - budgeting, saving, investing, banking and more Learn why you should consider hiring a CPA (despite the cost) if you're going through a milestone like getting married or having a baby or changing careers Learn ways you can rebuild your savings account after you've had to drain it Links Clarity Money You Need a Budget Freshbooks Acorns Stash Blooom Betterment Ellevest Simple LinkedIn CPA search IRS CPA search SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question, submit it here Get Social Shannah on Twitter Shannah on Instagram 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 type of traveler are you? Are you more of a saver or do you love a good splurge? I’m a huge fan of saving money but when we travel I do love a good splurge! And I don’t feel bad about it – and you shouldn’t either. If you love to travel as we do, this episode is for you. You’ll walk away with some great and practical tips to help you manage the save vs. splurge debate on your next trip, and if Iceland has been on your travel checklist, you'll be booking your ticket in no time. What You'll Learn Bobbi Rebell, a fellow CFP®, host of the Financial Grownup podcast, author and more recently went on an amazing trip to Iceland. Even as a CFP®, she learned a few money lessons about the delicate balance between saving your travel dollars and splurging to have some fun. This episode is jam packed with great travel tips and an inside look into Iceland. Hear what Bobbi's secret weapon was to put together her trip to Iceland Understand why you should pay attention to local currency Figure out how to rearrange your trip to save money around a holiday Find out what her splurges were on the trip (and what she would avoid next time) Links Ovation Travel Wow Air (great flight discounts) Financial Grownup Podcast Episode with me Bobbi's website How To Be A Financial Grownup Book SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question, submit it here Sunday Seven Email Club Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Get Social Shannah on Twitter Shannah on Instagram 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

You blew your summer budget and now we're rolling into the fall. Before you know it, it will be the holidays and your budget will be screaming at you. Not to worry, I've got some out of the box tips to help you get ready for the fall and help you supercharge what you've got right now in your bank account. What You'll Learn I'm on a mission to continue to bring you different tips that you might not think about so you can pull together your financial plan for the fall. Here's a glimpse at what you'll learn in this episode: How to build your financial plan with one step or one financial item you want to accomplish Why you need to write out your goals and how they can radically change your financial direction How to create a plan for large expenses at the holidays Why credit card points are your best friend when it comes to gift giving How to create your own fall financial plan in 3 easy to follow steps Food for thought on how to think about your money situation this fall SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question, submit it here Sunday Seven Email Club Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats, and a whole lotta’ fun! Get Social Shannah on Twitter Shannah on Instagram 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

Student loan debt is no joke. If you have student loan debt, you know the stress an anxiety that it can bring on while you're trying to pay it off. In fact, student loan debt has skyrocketed to nearly $1.5 trillion dollars in 2018. What you need is tips, tools, strategies, and a little push to stay motivated while you're attacking your student loans. What You'll Learn Travis Hornsby, CEO of Student Loan Planner is with us today to break down some of the myths around student loan debt payoff and share some horror stories with you. This episode is jam-packed with great need to know information including: How to figure out if your student loan repayment plan is costing you too much The easiest way to pay off your student loans QUICK Why you should be collecting the refi bonus - not someone else What you should be looking for when you're considering student loan refinancing Horror stories can teach you a lot, and Travis is sharing a few doozies Will student loan reform ever happen in the U.S. Links Mentioned Student Loan Planner Get Student Loan Help SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question, submit it here Sunday Seven Email Club Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Get Social Shannah on Twitter Shannah on Instagram 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

You know the story. A famous celebrity with millions and millions of dollars dies. It might seem shocking to know that a lot of celebrities forget to secure one thing - those millions of dollars with a will or a trust. But, you don't have to be a celebrity with millions of dollars to have a will. In fact, getting a will in place is one of the smartest money moves that won't even break the bank. What You'll Learn Sure, we're going to talk about those celebrities, including Aretha Franklin, that died with millions in the bank and didn't take the time to set up a will exposing their millions to a long court procedure and more. However, this episode is all about you. Learn what a will is and why the heck you need one There are lots of resources out there to help you get a will in place for under $100 Which celebrity had their estate held up for 30+ years in court because he didn't have a will Some simple steps you can take today to make sure the money you worked hard for will go to the people you want it to Links Mentioned Willing LegalZoom Tomorrow Haven Life SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question, submit it here Sunday Seven Email Club Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats, and a whole lotta’ fun! Get Social Shannah on Twitter Shannah on Instagram 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'm going to be the first to admit that I've made a money mistake or two in my past. It has taken me a while to embrace all my money mistakes and learn that they shape who I am - not define who I am. You asked -so I want to deliver by sharing my top 10 money mistakes. This Episode Wow, I've made so many money mistakes I had trouble coming up with my top ten. Working with a lot of people, helping them with their money over the last 12 years, I can tell you with certainty that everyone makes money mistakes (and that doesn't make them a bad person). There is this terrible disease going around where people feel like they have to be "perfect" with their money and that couldn't be further from the truth! What You'll Learn Money mistakes are a part of life How to recover from some of the "worst" money mistakes Why you should be making money mistakes How to embrace your past money mistakes so they can empower your future SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question, submit it here Sunday Seven Email Club Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Get Social Shannah on Twitter Shannah on Instagram 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

We always get the question; where is your favorite place you’ve traveled recently? Currently, one of our favorite places we’ve traveled this year has to be Asheville, North Carolina. If Portland and Nashville would have made a kid, it might be Asheville. With beautiful mountain scenery, Asheville has it all: one of the first and best beer cultures, a booming food haven and a thriving music scene. Pretty much all the boxes we like to check in any city! This Podcast Episode: Join us for this special travel episode of Millennial Money, as we explore the other music city. Showing us around their city of Asheville are three locals and new friends of the podcast. We have Graham Sharpe of the band Steep Canyon Rangers, who are currently opening for Steve Martin and Martin Short’s national tour talks about the eclectic music scene and what draws people to Asheville these days. Caroline Roy, the owner of Asheville hot spot Biscuit Head, chats about why Asheville is “the” town to visit and start a business in. To wrap up our tour of Asheville, Chef Mike Moore of Aux Bar gives us some insight into the booming food scene and some tips on where to find some underground music. My co-host for the podcast is my husband, Jeff Game, a travel, and music journalist that's always on the hunt for a good story to tell. Episode Links: Explore Asheville Asheville Music Package Aux Bar Biscuit Head Wedge Brewing Company SUBSCRIBE & REVIEW: Want 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 Shannah: Have an Ask Shannah question, submit it here Sunday Seven Email Club: Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Get Social: Shannah on Twitter Shannah on Instagram 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 started my first business in college and I can tell that it’s a combination of fun and sheer terror. There’s so much to learn and so much to do every inch of the way. I wouldn’t trade it for anything though. I think it’s important to share lots of different startup/ entrepreneurial stories on the podcast. Meet Jason Rieger, CEO + co-founder of Payclub. He’s taken the idea of revolutionizing how groups collect money in an app and launched his business Payclub this year. No matter where you are on your entrepreneur journey, Jason’s story is sure to inspire. Questions I Ask What do you think are some of the most impactful lessons you’ve learned as a millennial entrepreneur starting your company Payclub from scratch? What’s been your experience raising money for a startup – like no b/s? How feasible is it for a young startup? So Payclub is entering a moderately crowded fin tech payment space…this may seem like a silly question or obvious, but what’s happening that shifting how millennials in particular pay for things? When you were creating Payclub…walk me through the process you went through to design a unique app that could stand up against competitors? You’ll Learn How to deal with the ebb & flow of money as an entrepreneur How do you raise money as a startup & cut through the noise Why you need to build a solid network now How Payclub is helping millennials collect money in a group seamlessly and easily Why incubators are key as a startup SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question, submit it here Sunday Seven Email Club Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Get Social Shannah on Twitter Shannah on Instagram 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 want to introduce you guys to Ry Bradley. He’s a California-based and Hawaiian-reared singer/songwriter Ry Bradley is out to break that Nashville country music stereotype mold that holds back so many singers from blossoming into true artists. Ry has a brand new openly personal, yet rocking album, Everything I’ve Got, including the song “Next Aldean Show,” which not only pays tribute to the shooting victims of the Las Vegas Route 91 Music Festival last year, all proceeds go to the survivors and family members. Ry is also involved in Women in Rock event, and recently held his own rock and roll camp for young musicians in Norway. On This Episode We spoke with the very down-to-earth young star from his home in Orange County, California. Bradley opened up about how splitting time as a kid of divorce in Hawaii and California shaped his musical pallet and he’s sharing with you what it takes to carve your own path in life – which I’m going to add no matter what your bank account says – money is just a number and you’ve got stuff you’re supposed to do in life regardless of that number. Topics We Talked About Being a millennial Always giving back, helping to make the world a better place Carving your own path in music and life Vegas shooting, raising money for victims and their families Women in Rock event in September Rock n Roll Camp in Norway – YES! Links: Ry Bradley SUBSCRIBE & REVIEW Want 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 Shannah Have an Ask Shannah question, submit it here Sunday Seven Email Club Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Get Social Shannah on Twitter Shannah on Instagram 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

We face a new type of reality when it comes to managing our finances. From mounting student loan debt, keeping track of all subscription services like Netflix and Spotify and more simply, trying to pay rent and buy groceries -- it's overwhelming to figure out where to start. One of my fav money management/budgeting apps is Clarity Money. I use it myself (I'm a big fan) and went straight to Colin Kennedy, the Chief Operating Officer & Revenue Officer of Clarity Money to explore the power of small daily money habits and how you can use them to empower your money. Episode Details: There are a million apps on the market to manage your money and budget more effectively. I've tried them all myself and one that has found a permanent home on my phone is Clarity Money. It really is different than most of the budgeting & saving apps and has made a big difference in how I manage my money every day. I was excited to have Colin from Clarity Money on this episode to dig beneath the surface of the app and talk about how you can use the concept of daily money habits to revolutionize your finances. Yes, I'm talking game-changing perspectives here. Check out Clarity Money if you aren't bff's yet Episode Sponsor: Big thanks to Audible for sponsoring this episode. Audible is offering Millennial Money listeners a free audiobook with a 30-day trial membership. Just go to audible.com/mymoney and browse the unmatched selection of audio programs – download a title free and start listening. Go to audible.com/mymoney or text mymoney to 500-500 to get started today. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

Blockchain, cryptocurrency, bitcoin - say what? There are a lot of confusing terms out there, and I wanted to get to the bottom of it. We have all heard about bitcoin - it was on the tip of everyone's tongue a few months ago and people were investing in it that have never even invested in their 401(k) or IRA (yikes). What about blockchain - the technology that needed to exist before bitcoin? I think it's time to roll up our sleeves and figure this out. On This Podcast Episode: Kendi joined us on the podcast way back in November 2017 talking all things bitcoin. If you haven't taken a listen to that episode, you need to! Led by Bitcoin and Ether, cryptocurrencies have lost 10% of their combined value over the last week. Bitcoin on Tuesday dropped 4.5%, and Ethereum — after dropping 17% on Monday — fell another 7% on Tuesday. The total market value of cryptocurrencies worldwide is now at its lowest since November, according to The Wall Street Journal. So, is this technology something you should put your money into and how will it impact your future wallet (because it isn't going anywhere). Kendi is a force to be reckoned with and a super smart chic who knows her stuff when it comes to blockchain and the perfect millennial expert to school us all. Connect with Kendi: Crypt Keepers Club Facebook YouTube Twitter Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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 Ask Shannah episode, I'm tackling two complex questions about student loans. Everything from borrowing money from your 401(k) to pay off your student loans, to dealing with student loan debt when you're in a relationship. In This Podcast Episode: Thanks for all the great #AskShannah questions that are coming in. As always, remember you can always submit a question anonymously so I won't disclose your name when I'm reading over the question. I'm covering two questions on this episode that I think most of us could relate to in some way. As a reminder, they call this personal finance because it is just that - personal. When you're making a money decision, you should weigh the pros and cons and then come to a decision that feels good to you and makes sense based on your lifestyle. My question to you is, what benefits (or drawbacks) could there be if I were to take a loan from my 401(k) to pay off my student loans? Which leads me to my question.. Am I wrong to think that having him put some money in a high yield savings account, could help him to pay off his student loans faster due to compounding growth? Tune in to hear my thoughts and feel free to send me your own #AskShannah question for a future episode. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

“Inspire Happy” is the musical mantra that the young and rising band Willow City are bringing to music-listening masses with their infectious Americana folk-pop songwriting and small-town love your neighbor like yourself kind of vibes. Oh, and they just happen to all be brothers and sister. This family band of Beecher, Ezra, Liza and youngest Asa recently released their ambitious new self-titled album. On This Podcast Episode: Jeff, Millennial Money's music guru, sat down to talk with brothers Ezra and Beecher Proch of Willow City from their home in Texas to chat about their love of spreading happiness through music and the new album, and we talked about why millennials these days can get a bad rap from older generations. This is an episode to inspire you to take control of your own life and chase after your dreams - no matter what the critics say. You've got one life to live, and Ezra and Beecher will inspire you to be the best version of yourself. Oh, and their music is pretty awesome too. Willow City Website Jeff’s AXS Interview with the band Thanks to Our Episode Sponsor: Thanks, Brooklinen for sponsoring this podcast episode. Get $20 off AND free shipping when you use promo code [mymoney] at Brooklinen.com. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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 is a real gap between the LGBTQ community and financial planning and there's no way to mask it. I have to admit, there were some shocking stats that David and John from The Debt Free Guys talked about on this podcast episode that blew my mind. I didn't know that in many states just having a picture up in your office or on your desk at work if you're part of the LGBTQ community could come with heavy financial consequences like losing your job. So, I wanted to find out, why is it that the LGBTQ community is overlooked by the financial industry. On This Podcast Episode: David and John from The Debt Free Guys recently wrote an article for GoBankingRates about why the financial services industry needed more LGBTQ people and I knew they had to be a guest on the show. I've received a lot of emails with Ask Shannah questions from listeners who feel like they can't relate to financial advice, are a part of the LGBTQ community, and don't know where to turn. In this episode, we will offer some resources, advice, and real talk on this subject. Even if you aren't part of this community, this episode will open your eyes to some of the injustice that members of this community face and the financial ramifications of being overlooked and discounted for years. Check out Queer Money Podcast Check out Debt Free Guys Check out other Smart Money Squad articles Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

My dad is somewhat of a legend in the financial services world. He's been helping people for well over 40 years now and is beloved for his personality and intent on always putting clients needs before his. I know him as Dad and the person who taught me almost everything I know about personal finance. On This Podcast Episode: My Dad, Stan, is joining us for a lively discussion about the advice he has about how to be smart with your money in your twenties and thirties. We'll also talk about the difference between perceptions of money when he was in his twenties versus now - which is always a fun topic for me. Dad's top advice: Save for emergencies (and save more than you think) Invest in your 401(k) and don't touch the money Cover your risks, but only if you have a strong ER fund Don't be afraid to try and learn when it comes to smart money moves Podcast Episode Sponsor: Thanks to Udemy for sponsoring this podcast episode. Head over to http://www.ude.my/mymoney to get 90% off. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

Have you ever felt lost? I sure know I have, and I'm guessing you have as well. Whether you feel lost in your career, your finances, your relationships or just in life in general, this podcast episode should be one you keep on rotation. Author and all-around amazing chic, Maxie McCoy, is bringing some of her best knowledge and tips from her upcoming book, You're Not Lost: An Inspired Action Plan for Finding Your Own Way. On This Podcast Episode: We're starting things off with a very relevant Ask Shannah question from Jane who is searching for answers for feeling lost financially. While there aren't any magical solutions, I share my two tips for helping you find your way. From there, Maxie drops her wisdom about how you can proactively find your way from feeling lost to found in her new book, You're Not Lost. One of my favorite tips she shared was the idea of starting small - something we all know we should do but so seldom do. And, her advice about getting insights from your friends is one of the most revolutionary steps I've taken this year to change my approach to just about everything - so I know it will work for you too. You can pre-order Maxie's book You're Not Lost today! Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

It's no joke that I LOVE to travel. We travel almost every month for work or for the podcast and although I love to travel, I don't love all the stuff that comes with traveling - long lines, expensive airport food, eating out every meal, and all those extra hotel charges. In honor of loving to travel, I'm sharing some of my favorite ways to travel and save some cash (and let's be honest, keep your sanity as well). On This Podcast Episode: I'm throwing out all my favorite tips to travel for work or for fun and save some money. The truth is, I've traveled on a very small budget and on a very large budget and I've learned that no matter what your budget is: You can still travel You don't have to spend your entire budget to have a great trip You need a few tools in your money toolbox to save some cash Tune in to hear some of my favorite tips, websites, and more to save money on your next trip and to get your travel system set up for the future. I've tried all these tips myself and have refined what works, what doesn't, and what you need to know. Thanks To Our Episode Sponsor: Big thanks to Ziprecruiter for sponsoring this podcast episode. Use my special link to try Ziprecruiter for free today. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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 had to risk everything on a great idea, could you do it? We want to introduce you to a new podcast that we know you'll love. Raising The Bar is hosted by siblings and founders of the lifestyle juggernaut, DryBar, Alli Webb and Michael Landau. You can listen to the first 3 episodes right now. Subscribe to Raising The Bar wherever you listen to Millennial Money. 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

Ras Asan means business. As a black millennial male himself, he co-founded Breaux Capital rising from his own needs to figure out a different way to approach financial wellness. He figured if other black millennials were having the problems he was having, then he needed to start a company to meet their needs. Breaux Capital's innovation is shaking up the fin tech space and that's certainly not a bad thing. On This Podcast Episode: Ras is one of those guests that I could talk to for hours. He's articulate, diverse, and has learned many money lessons along his own entrepreneurial journey that he's sharing on this episode. Cooperatively owned and operated, BREAUX Capital is focused on increasing the financial wellness of millenial Black males. Since launching with only $500, BREAUX Capital has bootstrapped its way to serving members across the country. BREAUX Capital leverages a combination of software and a membership community to enhance the short and long-term financial health of its members. There's no doubt in my mind that Ras and Breaux Capital will continue to shake up this old fashioned industry. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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 episode was prompted by an Ask Shannah question from Ashley who was super curious what my opinion was about all the money apps and programs out there. She also wanted to find out what I thought about the idea of DIY finances - is it really possible, or at the end of the day, will you need to hire a financial planner to get a good action plan together. Take a listen to find out! On This Podcast Episode: Starting us off, I wanted to share a really cool contest that GoBankingRates ran for the Best Money Expert (besides me). There were lots of entries, and I hope you'll check it out and see all the different money tips and advice these experts are sharing. Can you DIY your finances? Well, yes and no. I'm tackling this question and dishing about my fav money apps and programs including: You Need a Budget Clarity Money Blooom Acorns Marcus Ally Savings NerdWallet Unbury.me Haven Life Willing Thanks to Our Episode Sponsor: This episode was sponsored by Beach Body on Demand. Right now listeners can get a free trial membership when you text MYMoney (no spaces) to 303030. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

Isn't it everyone's dream to wake up one morning and find a financial windfall in your bank account? I think that's why we all rush out to buy lottery tickets when the award is some obnoxiously high number - the hopes that we might find ourselves the lucky one in 175 million who strike it rich. However, coming into a financial windfall could also be a time of confusion - a time to pause and think about how you should spend the money wisely. On This Podcast Episode: On this solo episode, I'm tackling a topic that seems like it's a pro but could cause some confusion and doubt. What would you do if you woke up tomorrow with more money in your hands due to a financial windfall? I'm talking some of my favorite ideas for how you could be smart with your financial windfall, have some fun, and create a killer game plan that could leave you basking in the windfall for years. (And, of course, I sure hope you wake up one day a lottery winner...) Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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's really no easier way to say this - your money thoughts have as much of an impact on achieving goals as the actual "how-to's" and practical advice about money. This is the message I've shared since the beginning of the podcast, and it's one that Michelle Bobrow from the Holistic Wallet shares as well. On This Podcast Episode: Meet Michelle Bobrow. She's built a whole brand around mind shifts in all areas of our lives, but particularly finances. Michelle focuses on money psychology to integrate healthy and balanced financial habits into our lives. Through strategic planning and mindful coaching, Michelle turns numbers into a work of art as she designs holistic budgets and sustainable systems for you to pay off your past, save for your future, and enjoy the present. (YES, that's what I'm talking about). We cover some good points: How the recession impacted her as a college student at the time and the lesson she learned How you can begin to create powerful money shifts right away Why non-judgmental talk is the best kind of talk around money How you can create an awareness of what makes you feel good and what makes you feel like crap around your finances Thanks To Our Episode Sponsor: Thanks to Udemy for sponsoring this episode. Go to http://www.ude.my/mymoney right now and get ninety percent off when you sign up for classes! You will not find a better price, so sign-up for classes NOW. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

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Today's episode was inspired by a listener question wanting to know how to use their summer hours to check some items off the good ole' money checklist - the only problem is where to start. Your summer money checklist can be comprised of anything that you want to accomplish - but remember to keep it simple and relatively easy to accomplish so you'll make sure and stick with it. On This Podcast Episode: I'm dishing some of my favorite items that can go on your summer money checklist: Update your goals Check on your beneficiaries Boost your credit score (or check it out) Give your 401(k) a little love Negotiate a bill These are my favs, but you can choose anything that you'd like to get checked off your list this summer. Think about all those loose ends that you haven't tied up yet. Also, we're celebrating my birthday on this episode, and Jeff is joining us for a lightning round of questions all about me. Find out why we're talking about Kenny Rogers and animal crackers and so many more funny questions thrown my way. Episode Sponsor: Thanks to Brooklinen for sponsoring this podcast episode. Get $20 off AND free shipping when you use promo code [mymoney] at Brooklinen.com. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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 days I wish I could crawl back into my parent’s house and make them make all the decisions," proclaimed Airka Pierce. Haven't we all been there on those days when life just doesn't seem to make sense? There are ways to win at adulting, and our podcast guest, Arika Pierce, is dropping some bombs of wisdom on this podcast episode. On This Podcast Episode: Arika Pierce is a generational strategist, Xenial, attorney, author, Millennial Coach and speaker and author of The Millennial’s Playbook to Adulting. Think of her like me, your big sister sharing lessons she’s learned along the way. On this podcast episode, we’re chatting about some of her favorite playbook advice for your wallet and your career, and why she says that her best piece of advice is, "always be comfortable with being uncomfortable." Today's Ask Shannah question is from Dylan who is curious about the difference between buying life insurance through his company or through an outside company like Haven Life. Thanks To Our Podcast Episode Sponsors: ZipRecruiter - right now, my listeners can try ZipRecruiter FOR FREE at this exclusive web address: ZipRecruiter.com/mymoney! Care/of - For 25% off your first month of personalized care/of vitamins, visit takecareof.com and enter MY MONEY. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

You look in your closet and can't find a thing to wear. So, naturally, you jump online to start shopping. But, what if there was a better way? What if you could have your closet on your phone and shop your closet in a new way each day? Meet Finery. Finery is the first digital wardrobe platform that organizes your wardrobe and uses predictive analytics to style you with the clothes you already own, founded by Brooklyn Decker (actress, model, currently on "'Gracie and Frankie") and Whitney Casey (former ABC and CNN anchor). Brooklyn and Whitney created Finery after realizing there was Spotify to manage our music, Tripit to manage our travel and Mint to manage our finances - why wasn't there an app to manage our wardrobes, which women spend more on than their education? On This Podcast Episode: I'm talking raw and honest with Brooklyn and Whitney about what it took as female entrepreneurs to launch their new business venture, Finery. There are so many great pearls of wisdom in this podcast episode whether you just want to find a way to save money and shop your wardrobe or you want to some female to female advice on getting your business up and running. We're covering: Why they decided to build an app that stops selling people more stuff and starts helping them use what they've got How to find your "perfect" business partner Why investors are finally excited about investing in female-owned startups Debunking myths women have on how they spend, save and invest their money Plus, thanks to Robin for your Ask Shannah contribution! Check out the GoBankingRates #SmartMoneySquad article I mentioned in the episode. Episode Sponsor: Thanks to Wing for sponsoring this podcast episode. Head over to Wing's website and enter code MYMONEY to get $25 off your first month's bill. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome! Please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

We talk often on this podcast about our own stories - our money stories, our career stories, our family stories, etc. and how those stories have a direct correlation to the decisions we make in our lives. Our podcast guest, Lily Clayton Hansen, has built her career sharing stories of people who inspire her focused on her goal of reminding people, "that by keeping an open mind and heart we can foster genuine connection." We need connections now more than ever. On This Podcast Episode: Lily was a guest on the podcast way back when her first book, Word of Mouth, hit the scene and she's back again to chat about her new book, Word of Mouth: More Conversations, chronically stories from her hometown of Nashville. In Word of Mouth: More Conversations—the follow-up to Hansen’s first coffee table book, Word of Mouth: Nashville Conversations, which sparked collaborations with institutions such as the Nashville International Airport and Vanderbilt University—the author interviews a wide cast of characters from business owners to community leaders and artists. Her intention is to show the textured, complex creative mecca that is Nashville. My hope through this conversation is that you'll be inspired to have more conversations - conversations with your partner about money, conversations with your family, conversations with people you come in contact with about their life and find common connections. Also, I hope Lily's story shows you that a dream career is possible without a huge NY Times best-seller or millions of books sold. She's a millennial on a mission and her fearlessness is downright infectious. Follow Lily on Twitter Check out Lily's Website Buy Lily's books Music credit: Rod Stewart, Every Picture Tells a Story Link to CFP Board Find a CFP website Thanks to Our Episode Sponsor: Big thanks to Wing for being a podcast episode sponsor. Get $25 off your first month's bill by going to their website http://www.wingalpha.com and entering code MYMONEY. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

You may know of the name Gaby Dunn. She's host of a popular podcast, Bad With Money, and is also a New York Times best-selling author, journalist, Comedian and YouTuber. Basically, she's never bored! Gaby realized one day that if she was bad with money, other people must be too, and so she decided to start a conversation around it. On This Podcast Episode: "Money scripts, how you think about money based on what your family taught you is a new concept to me. Everybody learned about money by who they were raised by and it's hard to undo that," proclaims Gaby on this podcast episode. This was one of my favorite podcast conversations. Gaby is funny, engaging, and deeply committed to understanding why people are bad with their money. Her podcast hosts intelligent guests and she's not afraid to be raw and real about her own money journey. We're covering: How money scripts play into your financial thoughts Why she thinks the lack of financial literacy is a conspiracy How her own money story has shaped her finances Why she feels talking about money is so important...even if it's a taboo topic To follow Gaby, you can go here: Bad With Money Podcast Gaby on Twitter Gaby on Instagram Thanks To Our Episode Sponsors: CandidCo - get 25% off your modeling kit when you use this link. Wing - enter code MYMONEY to get $25 off your first month's bill. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram Jeff on Twitter Jeff on Instagram 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

No matter what career you're in likely there are a few industry stereotypes that you have to overcome. Being a CERTIFIED FINANCIAL PLANNER is no different - especially being a female in this industry. Mary Beth Storjohann is a leader in the CFP® world, a podcaster, a mother and so much more and joining on Part 1 of this podcast episode to discuss how she's overcoming industry stereotypes and how you can as well. On This Podcast Episode: Mary Beth Storjohann, CFP® and Founder of Workable Wealth is an author, financial planner and accountability coach working to help clients in their 20s-40s across the country make smart, educated choices with their money. Her recent accolades include the “Top 40 Under 40” by Investment News, “10 young Advisors to Watch” by Financial Advisor Magazine, and “10 of the Best Personal Finance Experts on Twitter.” She frequently appears on NBC as a financial expert and her expertise has been featured in The Wall Street Journal, CNBC, Forbes and more. She's joining me on Part 1 of this podcast episode to dish about career stereotypes that we've both faced and dishing about some of her favorite tips that women need to be aware of to build a strong financial future. You can check out Part 2 of this podcast on Work Your Wealth Podcast You can connect with her via Twitter @marybstorj, on Facebook, or via Instagram. Shout Out to Our Podcast Sponsors: Big thanks to Wing and Audible for sponsoring this podcast episode. Audible.com/mymoney to get started today! The book I mentioned was called One Up on Wall Street. Wingalpha.com - SIGN UP and enter code MYMONEY to get $25 off your first phone bill! Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

Financial experts, Harris Nydick and Greg Makowski, want to help you take the guesswork out of your 401(k). They've written a new book, Common Financial Sense, and it's packed full of great hacks and tips from two experts who know a lot about investing in a 401(k). Their mission to help educate you and provide some solid (and no-nonsense) tips to get your finances fired up. On This Podcast Episode: Harris and Greg join me for a podcast episode focused on helping you hack your 401(k). We're diving into the contents of their new book, Common Financial Sense, to get you some answers. We cover topics such as: Fool Proof Saving Investing in a 401(k)...do you know two-thirds of the US population doesn't invest in one at all? And getting ready for the retirement you deserve Demystifying some common investing and 401(k) myths Shout Out to Our Sponsor: Thanks to ZipRecruiter for sponsoring this podcast episode. And right now, my listeners can try ZipRecruiter FOR FREE - http://www.ziprecruiter.com/mymoney! Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

Majd Maksad and his company, Status Money, recently completed a study all about peer pressure and the effects it has on your money. If I'm going to be honest, I've probably made a money decision or two in the past based on peer pressure. Would it surprise you to know that peer pressure actually can help people save money and change their spending habits? This Podcast Episode: Peer pressure can help consumers cut their spending by a whopping $600 a month, according to a new independent study by the University of Chicago and University of Maryland using technology from statusmoney.com. With more than half of Americans having less than $1000 in savings and 17% negative net worth, peer pressure could help combat what some experts are calling a debt epidemic. I wanted to get to the bottom of this and chat with Majd about these findings and how Status Money is helping people with their own money decisions. Many of the key findings were particularly interesting and I think they say a lot about the role peer pressure plays in our finances. Ask Shannah Live - podcast listener Heidi joins me for our first life Ask Shannah session. Hear her story of losing her job and having to make some tough choices about paying off debt or saving her money. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

Jessica Nazarali always had a big business dream - she knew she wanted to help people and be involved with personal development but wasn't sure how to execute that. When she started a blog about healthy food in 2011 she quickly realized that her dream could become a reality. She now runs a popular podcast called It Girl Radio and It Girl Academy to help other women realize their business dreams...but she definitely learned some money lessons along the way. On This Podcast Episode: Jessica joined me all the way from Austrailia for this episode, and she's dishing about the realities of running a successful company and online company that earns well over six figures. We tackled some tough questions in this interview including: How do you begin to overcome self-doubt and fear with running your own business How to feel worthy of making money when you run your own business What stumbling blocks in her own money journey that she had to overcome to be successful at helping others Is running an online business and blog still a viable way to make a sustainable income Why she says to, "stop telling your story around money if it's not helping you" Shout Out to Our Podcast Episode Sponsor: Big thanks to Candid Co. for sponsoring this podcast episode. Take advantage of Candid’s Risk-Free Modeling Kit Guarantee. Plus, when you use my dedicated link, http://www.candidco.com/mymoney, you’ll save 25% on your modeling kit. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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 get sent a lot of books to review for the podcast - some great, some just ok. I sat down with Danielle Town's new book on a Friday afternoon, Invested - How Warren Buffett and Charlie Munger Taught Me to Master My Mind, My Emotions & My Money (with a little help from my dad), and I couldn't put it down until I read every last word! On This Podcast Episode: I've had a lot of cool and interesting podcast interviews but this chat with Danielle takes the cake. Her book is all about this 12-month journey that she took with her dad & investing guru, Phil Town, on her journey to financial freedom. The best part, the book details how you and I can follow the exact same process that she went through. Naturally, I was excited to talk to Danielle about her journey, the struggles, and have her dish any great pearls of wisdom that you should know on your own investing journey. You'll want to bookmark this podcast episode for sure (and rush out and read her book). (This episode does not promote investing or investing techniques. Please invest based on your own financial situation or after speaking with your financial advisor.) Shout Out To Podcast Sponsors: Big thanks to Beachbody on Demand for sponsoring this podcast episode. Text MyMoney to 303030 and get a free trial membership. Big thanks to Brooklinen for sponsoring this episode. Get $20 off AND free shipping when you use promo code [mymoney] at Brooklinen.com. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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've been fortunate enough to be a guest on a lot of different podcasts lately where I get to share my own money story. Inevitably, I'm always asked, "What is your best money advice." I love that question because it gives me a chance to talk about those things that seemingly no one talks about when it comes to your money. On This Podcast Episode: Working with people over the last 12 years, I've seen a lot about how people manage their finances - the good and not-so-good ways. What I have learned, regardless of the income, is there are a lot of things that no one tells you about your money. In this episode, I'm dishing my top five things that I believe no one really talks about when it comes to money but really should. I think if we did, maybe we might all be able to breathe a sigh of relief. Shout Out to Our Podcast Sponsor: Thanks to Audible! Audible is offering MM listeners a free audiobook with a 30-day trial membership. Just go to audible.com/mymoney and browse the unmatched selection of audio programs – download a title free and start listening. Go to audible.com/mymoney or text mymoney to 500-500 to get started today. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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've been a fan of the No, You Go podcast for a while now and was so excited to be able to do a podcast swap. They are three badass women who share in frank, funny, and honest discussions about lots of issues in life that we're all trying to figure out. I'm also featured on their podcast talking about money taboos, the best financial advice to take and ignore, and dishing about the dreaded "b" (budgets) word. On This Podcast Episode: Jenn, Sara, and Katel (hosts of the No,You Go Podcast) are sharing their own career and money journeys in this hilarious and honest podcast episode. They each are superstars in their own right and they aren't afraid to roll up their sleeves and talk about their struggles figuring their way through being good with their finances. We also dove deep into their own money questions in the last segment and heard a first-hand story from Sara about credit card fraud and why you should always stay on top of your credit report (even if your score is rockin'.) Be sure to check out my episode on the No, You Go podcast and subscribe today. Shout Out To Our Sponsor: Thanks to the Decrypting Crypto Podcast for sponsoring this episode. Be sure to subscribe today to learn all things crypto and blockchain. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

News out of Washington D.C. is not the cheeriest these days almost midway through 2018, so it’s refreshing when electronic-pop trio SHAED (pronounced “shade”) has become a ray of sunlight on the nation’s capital evolving music scene – a badge of honor this young band wears proudly. Following in the footsteps paved by other notable D.C. area legends as Bad Brains, Fugazi and hall of famer Marvin Gaye, SHAED has their sights on a breakout year with an upcoming national tour and stellar new EP due out later this summer. On This Podcast Episode: SHAED is somewhat of a family affair, with twin-brothers Spencer and Max Ernst on the music side and Chelsea Lee bringing the vocals. Spencer and Chelsea are even engaged, and all three recently moved into a home together, where the band housemates were inspired to write and record their latest collection of songs. Not only a band, but the three are also close friends, jamming Frank Sinatra and old-school jazz as they cook dinner every night. Even so, this trio cuts a broad swath of musical talent weaving delicate, hypnotic pop-synths with grandiose lyrics and seductively powerful vocals. SHAED is a band to watch out for in the coming years. We caught up with SHAED as they just completed their last rehearsal before hitting the road for a string of dates with X Ambassadors. The trio had a lot to chat about, from the impact a fantasy novel had on the band, to the thunder of Bernie Sanders and writing songs at an empty Air B&B in Death Valley. My co-host for the podcast is my husband, Jeff Game, a travel, and music journalist that's always on the hunt for a good story to tell. Links Mentioned: SHAED New Music YouTube Shout Out to Episode Sponsor: Thanks to Candid Co. for sponsoring this podcast episode. You’re one step away from getting straighter, whiter teeth like me. Take advantage of Candid’s Risk-Free Modeling Kit Guarantee. Plus, when you use my dedicated link, http://www.Candidco.com/ MYMONEY, you’ll save 25% on your modeling kit. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

It's time to tackle some more of your Ask Shannah questions. On this podcast episode, I'm going to be giving some tips and suggestions for making cross-country moves, starting over somewhere fresh without a job and what to do with extra cash when you get a big promotion. On This Podcast Episode: I'm chatting about three awesome questions in this podcast episode. Tune in to hear my suggestions to these questions: I'm moving to a new city, quitting my job, and looking for a new job. How can I best manage my money during this time? We're moving cross-country with our cat to start a new master's degree program. How can we set ourselves up and make smart money moves during this transition? I just got a big promotion at work and now I'm trying to figure out if I should put that money into a 401(k) or towards my student loan payments. What do you suggest? Shout Out To Our Sponsor: Thanks to ZipRecruiter for sponsoring this episode. Right now, my listeners can try ZipRecruiter for free. That’s right FREE! Just go to ZipRecruiter.com/mymoney! Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

You'd think when you arrive in the U.S. getting set up financially would be easy. Not so fast. When Warren Hogarth of Empower came to the U.S. from Austrailia in 2004 he quickly realized he was at a disadvantage with all things financial - getting credit and building your credit was no easy task. On This Podcast Episode: I had a candid conversation with Warren about his transition to the U.S. and how "the system" attempted to keep him down when it came to his finances. Luckily, he's sharing some of the money lessons he learned during that time as well as the journey he's taken to turn the disadvantages into a new app, Empower. Warren spent eight years as a Partner at the #1 VC firm in the world, Sequoia Capital. They've invested in companies like Square, LinkedIn, WhatsApp, and AirBnB, and Warren stood shoulder-to-shoulder with founders to build large, enduring businesses (3 went from zero to over $1 billion). If you take away one thing for this episode, it should be his best piece of money advice (stay to the end of the episode to hear his inspirational take away). Shout Out To Our Sponsor: This episode was sponsored by The Decrypting Crypto Podcast. As Warren said in the podcast episode, learning all you can about Crypto will keep you educated and in a position to make smart money moves. There's no better podcast than The Decrypting Crypto to help you do just that! Subscribe today in iTunes or any podcast platform. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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 average cost of a wedding in the U.S. is $33,391 according to Business Insider and from my experience, many of us spend money on items in our wedding that might not be the most beneficial to our bank account. I recently was a guest on Aleisha McCormak's Bridechilla podcast, so I figured it would great to have Aleisha share with you some of her favorite wedding do's and don'ts when it comes to spending your cash. On This Podcast Episode: She's a comedian and a TV presenter from the U.K. who turned her wisdom from planning her own wedding into a top-rated iTunes podcast, Bridechilla. Seriously, even if you aren't planning a wedding, you're going to enjoy hearing Aleisha dish wisdom about some of her favorite wedding do's and don'ts - including her f**k it bucket suggestion - and how to survive the day as stress-free as humanly possible. Shout Out to Our Sponsor: Thanks to Brooklinen for sponsoring this episode. My Brooklinen sheets are seriously the best, most comfortable sheets I’ve slept on. Brooklinen.com has an exclusive offer just for MY listeners. Get $20 off AND free shipping when you use promo code [mymoney] at Brooklinen.com. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

Let’s face it, the cruise industry does even get what a traveler in their 40s wants to do, see, and explore and they certainly do not know what an experience is these days. Let alone an experienced millennial traveler in their 20s and 30s just like you. So when you're thinking about where to spend your travel dollars...if you're anything like me, you're looking for an experience. When we think of cruising usually old school visions of the 70s TV show the Love Boat might pop into our brains, with endless buffets of gluttony, shore excursions to remote location in a beat-up tour bus with no air conditioning and of course the horror stories we see online of ships making people sick, flooding or just horrible customer service. These are the cruise ships of your parents and grandparents. On This Podcast Episode: Prompted by a question from Rebekah, who was searching for a unique travel experience, I uncovered U by Uniworld. U by Uniworld have begun a cruising revolution with their newly launched European river cruises for the next generations and beyond, designed for those with a passion for exploring and taste for authentic adventures. Chic comfortable ships that double as social clubs, silent disco clubs, mixology and fine cooking classes, rooftop yoga, locally-sourced designed menus and experiences in some of Europe’s top cities like Paris, Budapest, and Amsterdam that will blow your mind. That’s right, this is not your parents or grandparents cruise ships. I had the pleasure to chat up Ellen Bettridge, President, and CEO about one of the hottest new adventures that has the travel world all abuzz these days, U by Uniworld European River Cruises. Links Mentioned: U by Uniworld River Cruise Videos Where U Going? Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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'm dedicating today's podcast episode to an Ask Shannah question that came in a couple of weeks ago from Tabitha and Robert: "Hey Shannah, I'm reading a lot of articles that talk about the extreme side of personal finance and I find myself falling prey to the stereotypes that I'm not succeeding in my finances unless I'm 100% debt-free and that just seems impossible to me. I read all these articles about people who are retiring by 40 and paying off massive amounts of debt, but I'm not sure that's the vision I have for my life...please provide some insight." On This Podcast Episode: The topic of extreme personal finance is one I have a lot to say about. I'm breaking down the good, the bad, and all the in-between on this episode in what I hope will be a thought-provoking discussion about the journey to be 100% debt-free. In fact, I recently was quoted in a U.S. News & World Report article about this very topic with some other like-minded CFP® professionals who share my viewpoint and had some very insightful knowledge to add to the topic. Shout Out To Our Podcast Sponsor: Hosts Austin Knight and Matthew Howells-Barby take you on a journey of discovering what cryptocurrency is all about in The Decrypting Crypto Podcast. Search for 'The Decrypting Crypto Podcast' in your favorite podcasting app to start listening. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

Now that we're well past tax-time, I wanted to reboot an episode that will help you give your 401(k) a little love. It's quite possible that fees may be eating your 401(k) returns and you aren't even aware of it. There is a lot of confusion out there about how 401(k)s even work, let alone that some funds may be costing you a bundle. Let's demystify some of that! On This Podcast Episode: I'm rebooting one of our top episodes and chatting with a podcast guest that's always a favorite, Chris Costello from Blooom (with three o's). I've honestly never seen a company quite like Blooom and I always love when we can chat about 401(k)s. We're covering: Why fees even matter in your 401(k) How you can figure out your ideal stock/bond ratio Ways you can control fees - to some extent Why your behavior has a lot to do with your 401(k) balance How to figure out how much you're actually paying in fees Click here for a FREE analysis of your 401(k) with Blooom. Help us out and support the podcast by going to wondery.com/SURVEY and filling it out. That’s wondery.com/SURVEY – you won’t even have to enter your email to help us win. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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

Ok, let's get real for a minute here. We're all familiar with the term prenup, whether you're a fan or not. However, did you know that there is a new marriage trend - the postnuptial agreement? Just as it sounds, it's a legal agreement that is formed after you're married for a myriad of reasons. Let's go straight to the source, Chicago-based attorney Jennifer Guimond-Quigley to demystify this new marriage trend. On This Podcast Episode: As controversial as they might be, if you're thinking about a prenup or a postnup, the first place you should start is getting some education around these hot-button documents. Jennifer Guimond-Quigley is joining us on this episode to demystify what you need to know about prenups, and breaking down the differences between postnups in a fun and an easily digestible way (no crazy lawyer speak here, just a totally educational and enjoyable conversation). Jennifer is the owner and managing attorney at the Law Office of Jennifer Guimond-Quigley. She realized early on in law school that she had a passion for family law and estate planning. After gaining experience in these two areas both during and after law school, Jennifer decided to start her own firm. With her solo practice, Jennifer loves having the freedom to collaborate with her clients to achieve the best results possible without the limiting constraints common to practicing with larger firms (and she's kicking butt doing so). Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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 so many money apps and programs on the market that it's hard to know which one is the "best." Unfortunately, you usually have to try a few before you find the one that is going to be your money bff. Not to worry though, I've tried just about all of them and I'm giving you the down low on some of my favorites. On This Podcast Episode: I'm breaking down some of the best of the best money apps, programs, products and more. If you're looking for some new favs, check these out. Best Budgeting App - You Need a Budget (hands-down one of my favorites) Best Points Credit Card- (still) Chase Sapphire Preferred Card Best Online Checking Account - I'm a fan of Aspiration. Listen to my interview with their CEO Andrei Best Investing App - Acorns (they're doing some really cool things over there at Acorns) Best Way To Think About Buying a House - Have you heard of Unison? We've had them on a podcast episode talking about innovative ways to afford a down payment Best Way To Reduce Your Credit Card Debt - (remember, you're trying to get an unfair advantage here) Ask for a credit limit increase, ask for an annual fee to be waived and ask for a lower interest rate. Here's a link to the Creditcards.com report with some of the statistics Ask Shannah - big thanks to Hilary for the question about rebounding from a financial crisis Shout Out To Our Sponsor: Thanks To Audible for sponsoring the podcast. Audible is offering MM listeners a free audiobook with a 30-day trial membership. Just go to audible.com/mymoney and browse the unmatched selection of audio programs – download a title free and start listening. Go to audible.com/mymoney or text mymoney to 500-500 to get started today. Thanks for Tuning In: Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast. Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome! Have an Ask Shannah question, submit it here. Want More: Shannah on Twitter Shannah on Instagram 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