Money You Should Ask

College can be a scary prospect, especially when it comes to budgeting for it. How much is tuition? How much should I save up each month? What can I live without? What other options do you have? These are all valid questions that require careful consideration. Have you ever considered living and studying abroad? Our next guest, Liza-Jean Miezejeski is an international student currently living in Brussels, Belgium, and grew up 4,000 miles away in a small town in Connecticut, USA. ​ Liza has traveled to 60 cities (give or take) in 23 countries across Europe, Africa, Asia, and North America. And did it all it all while studying abroad and on a student budget. Unfortunately for Liza, Google didn't have all the answers for navigating life as a student in a different country and now, Liza has become a go to resource for many young adults wanting to learn more about the ins and outs of studying and living abroad. ​ In this episode, Liza and I discuss the path less travelled when it comes to going to college. She explains how she was able to attend an international college in a foreign country, obtain a degree for much less that it would cost in her home country, and at the same time, immerse herself in a different culture. Start thinking outside the border and awaken your inner spirit for adventure. For more, tips, tools and hacks on living and studying abroad on a budget, visit Liza's website and, follow her on TikTok and Instagram. For more info about this episode, visit https://go2.money/abroad

Episode 224. Do you feel like you're constantly being marketed to? That's because you are. Big brands and corporations spend millions of dollars each year to influence your purchasing decisions. These tactics of influence and persuasion are all around us. And most consumers are not consciously aware of them. What can you do to protect yourself and your money? In this episode, marketing consultant Ryan McNeill shares some of the tactics used by brands to get us to buy their products and services. And let's just say the next time you walk into a supermarket, you might begin to see shopping for groceries in a whole new way. Follow , Ryan on TikTok and Instagram under the handle @invisibleinfluence and on YouTube as @ryanmcneill where he educates his followers about marketing tactics big brands use to influence your buying habits. For more info on this episode visit: https://go2.money/persuasion

Episode 223. Is your mindset about money passed down from generation to generation? Do you think your current money mindset was influenced by your ancestors? Researchers have recently found that a parent or guardian's financial attitude can be inherited by their children, putting them at risk for life-long insecurity. So what can you do to break the cycle and give your children the best chance for a successful future? In this episode CEO, Investor and Money Coach, Lari Finance and I talk about building generational wealth. We discuss the importance of creating curiosity around your own money story. Learning about the financial beliefs that you may have inherited from family or past generations, helps you decide if they serve you or not in the present. And if you decide they no longer serve you, you can flip the script and make new financial choices that DO serve you, your values and those of future generations to come. Take one step closer to Unshakeable Wealth with Lari's free blueprint, Untapped Secret Roadmap to Mastering Money. For more info on this episode and our guest Lari Finance visit: https://go2.money/generations

Episode 222. There is no way to sugarcoat it: getting a college degree is expensive. Between tuition, room and board, and other associated costs, the price of a higher education can be daunting. However, there are ways to make it more affordable. Scholarships, grants, and work-study programs can help lessen the financial burden. In this episode I talked with Shellee Howard, Founder of College Ready Plan where we discuss some strategies on affording college without taking on large student debt and potentially attend college debt free. We also dive into some of the common mistakes parents and students encounter when applying for colleges. Is college the right option? What is the potential return on your investment if college is an option? Wouldn't it be nice to have someone hold your hand and walk you through the complicated maze of how to get your student into the best college at the lowest price? Shellee's best selling book, How to Send Your Student to College Without Losing Your Mind or Your Money presents insider strategies and secrets for helping students and families understand how important knowledge and planning are to the success of the complex college planning process. And Shellee is giving you a free copy. Grab a copy now! More on this epiosde at https://go2.money/college-ready

Most people have one big passion in life. Something they love so much that they can't imagine not doing it. For many, this is their career. They pour everything they have into it and hope for the best. But what happens when your passion turns out to be financially unsustainable? You need to have a strategy in place for your financial well-being. This doesn't mean giving up on your passion but it does mean being realistic about the financial limitations. In this episode we explore how best selling author of Millionaire Teacher, Andrew Hallam began investing on a modest income. His passion wouldn't provide financial security but didn't want to to give it up. So he made a financial plan. We discuss how you can follow your passion AND be financially literate. We also delve into the pitfalls of comparing yourself to others. Learn more about how to make the most of your money while living a joyful life, your way. Grab a copy of Andrew's latest book Balance: How to Invest and Spend for Happiness, Health and Wealth and explore how to bring more balance into your life. More on this episode at: https://go2.money/teacher

Episode 220: What if happiness was the solution to all of our money problems? It may sound too good to be true, but believe it or not, it's true. Money can't buy happiness, but happiness can solve all of our money woes. So how do we find happiness? That's a question that has been asked by philosophers and scientists for centuries, and there is no easy answer. But one thing is for sure: you have to find what makes you happy and focus on that. If you can do that, you'll be well on your way to finding financial success and happiness in life. In this episode, Happiness Mentor, Karyn Seitz and I discuss self-accountability, self-awareness & self-acceptance. Karyn shared her struggle of having to let go of the façade & risk losing everyone & everything. She candidly shared her personal journey around finances as a woman and a wife. We also talked about gender impact when it comes to finances and relationships. You deserve to be happy and live your best life, and Awakened Grace is here to help you get there. Karyn's premium online happiness program is here to empower you with the tools and resources you need to heal your relationship with yourself. For more information on this episode visit: https://go2.money/happy

Episode 219: Let's get one thing clear, I'm not a financial advisor, nor do I play one on TV. But I have been investing in the stock market for years - and I've learned a lot along the way. I remember the first time I ever invested, my heart was racing and my palms were sweaty. I had no idea what I was doing and I was scared that I was going to lose all of my money. Fast forward a few years and I've now become a bit more savvy when it comes to investing. And while I'm still not immune to the occasional wave of anxiety, I've learned how to invest without being too scared. So if you're feeling anxious about investing, don't worry – you're not alone! And remember: when it comes to investing no one has all the answers, so always consult with a financial advisor before making any big decisions. Shoot! Now I sound like an infomercial...but seriously, this is important stuff! In this episode Erik Smolinski of esInvests.com joins me as we discuss some simple strategies to become more confident with investing. We talk about associating yourself in a community of people who are committed to breaking out of the status quo financially and finding your own idea of what financial success looks like for you. If you're looking for a more in-depth guide on investing without all of the BS, then I'd recommend subscribing to Erik's YouTube channel. He has great videos on investing for beginners, and how-to's and tips that will help any level investor perform better in their portfolio building. To learn more about this episode and our guest Erik visit: https://go2.money/esinvests

Episode 218: Financial education is an important life lesson that all children can benefit from. By teaching kids about money early on, they can develop good financial habits that will serve them well throughout their lives. There are many ways to teach children about money, and the best way to do it depends on the child's age and level of understanding. When I was a child, my parents didn't have the tools to have conversations with my siblings and me about money and we didn't receive some of those foundational financial skills that I needed later in life. In talking with clients, people and kids, I discovered there's a lot lacking when it comes to financial literacy and financial education. It has been a mission of mine to normalize conversations around money and finances. And I believe "It's never too early to empower kids to learn about money." I am so excited about this special edition of MYSA, as I have invited Dr. Philip McAdoo, my new friend and fellow co-author of our new children's book, Darius Wants a Dog. Philip and I talk about the challenges and rewards of adoption, his love of dogs, financial literacy for children and his experiences with his son Zaden. I invite you to listen to this powerful conversation. Darius Wants a Dog is the perfect book to teach your children about money! This engaging book teaches young readers about Darius. Darius decides that he desperately needs to have a dog and quickly learns that wanting new things can also require time, money, being responsible, and sometimes, deciding it's okay to change your mind! To learn more about Darius Wants a dog, visit: https://go2.money/kidz or grab a copy at your favorite online bookstore.

Episode 217: NEFE in November. Part 5 Financial shame is one of the most debilitating and personal forms of pressure that an individual can feel. It can prevent people from making critical decisions about their financial future which leaves them feeling hopeless about their ability to ever improve their situation. While there are certainly personal choices that can contribute to financial shame, it's important to remember that there are also outside forces at play. For example, the way that financial institutions are structured creates a built-in disadvantage for consumers. These companies invest millions of dollars to develop systems that ensure profits continue to flow in ways that best serve them. As a result, people who are struggling to make ends meet often find themselves up against an insurmountable force. By taking the time to learn about the external factors that may be outside of your control, you can begin to make choices that best serve you. You don't have to like the game but if you don't know the rules, you certainly won't be able to play the game to your advantage. This month we're celebrating the 30th anniversary of the National Endowment for Financial Education. I've invited some of the staff from NEFE to discuss some of the most recent topics and statistics from polls they have conducted that are impacting the personal finance space. In the fifth and final part of our "NEFE in NOVEMBER" Series I welcome back President and CEO of NEFE, Dr. Billy Hensley to discuss Financial Shame and the impact in the personal finance space and how NEFE is proactively shining a much needed light on FinLit and financial education for all. To learn more about NEFE's article "Understanding Racial Trauma's Impact on Financial Literacy" visit nefe.org.

Episode 216: NEFE in November. Part 4 Have you experienced bias, discrimination, or exclusion by or from organizations, institutions or individuals within the financial services sector? A recent NEFE poll found that minority households are more likely to experience discrimination or feel blocked from the financial sector. It could be having a loan declined or offered less favorable terms than white households. These are just some of the many ways that financial discrimination presents itself. So what can we do about it? This month we're celebrating the 30th anniversary of the National Endowment for Financial Education. To honor this special event, I've invited some of the team from NEFE to discuss some of the most recent topics and statistics from polls they have conducted that are impacting the personal finance space. We also talk about how financial literacy helped shape their personal lives. NEFE"S Managing director of marketing and engagement Chelsea Norton, joins me for a second time as she explains what financial discrimination looks like and how to recognize some of the signs. Chelsea and I also discuss what steps you can take if you feel that you have been unfairly treated or discriminated against by a financial institution or service provider. To learn more about NEFE's recent article, New Polling Shows How Race, Income Play a Role in Discriminatory Practices by the Financial Services Sector, visit NEFE.org

Episode 215: At certain times in our lives we seek approval from others. It's a basic human need. But what happens when we become too reliant on the approval of others to define our self-worth? We can start to lose sight of who we are and what we want in life. Often as we begin to blossom into our true selves, we encounter push back and conflict from other people from whom we are seeking approval. Advocating for ourselves and staying in connection with others are an important part of the journey of self-discovery. Are you willing to push through the discomfort of confrontation to have the life you choose? In my conversation with conflict resolution coach Jerry Fu, we discuss how people pleasing can lead us FURTHER FROM the path we truly desire. We also talk about meeting expectations set by other people at the cost of our own integrity. This episode explores the willingness to simply "go for it" even though you may not have perfected all the skills; being a work in progress doesn't mean that your goals are invalid. Jerry's expertise lies in his conflict resolution skills, and in this great conversation he expresses how having those skills gave him the courage to explore a life outside of people pleasing and expectations. Grab a free guide, A Simple Framework for Hard Conversations, to help you successfully navigate your professional and personal relationships to experience clarity, confidence and closure.

Episode 214: NEFE in November. Part 3 A high school education is supposed to prepare students for the "real world." However, for many students, the reality is that they graduate without any real-world knowledge of personal finance. This is a problem because personal finance is one of the most important life skills that somebody can have. The COVID-19 pandemic has highlighted how many American adults live on the financial edge, and this has boosted ongoing efforts to make financial literacy a mandatory part of high school education. This month we're celebrating the 30th anniversary of the National Endowment for Financial Education. To honor this special event, I've invited some of the staff from NEFE to discuss some of the most recent topics and statistics from polls they have conducted that are impacting financial education. We'll also talk about how financial literacy helped shape their personal lives - both the good times as well as tough moments. In this episode, I chat with Emma Donahue, NEFE's manager of Policy and Advocacy, who focuses on advancing NEFE's policies around K-12 financial education mandates. All that is equal is not always equitable. We discuss the importance of starting a financial education early to empower kids to learn about money. To learn more about NEFE's recent article, Not all Mandates are Created Equal: a 2022 Legislative Recap, visit NEFE.org

Episode 213 To be an entrepreneur, you need to have the willingness to adapt and change rapidly. You need to wake up one moment with an idea for your business; then within seconds you're thinking about what steps to take in order make it happen- all while still maintaining a level head space so as not lose yourself or become distracted along the way. In this episode, entrepreneur and communications coach Brenden Kumaraswamy joins me to talk about the zone of excellence and the mindset required to be an entrepreneur. Why is personal development so important? We also explore how time is potentially more valuable than money. What would you do if you had all the time in the world? Brenden Kumaraswamy is the founder of MasterTalk, he coaches ambitious executives & entrepreneurs to become top 1% communicators in their industry. He also has a popular YouTube channel called MasterTalk, with the goal of providing free access to communication tools for everyone. To learn more about this episode, visit: https://go2.money/zone

Episode 212: NEFE in November. Part 2. Have you had the opportunity to take financial education courses or training during school, at the workplace, one-on-one or in another setting? And did you take it? It's more important than ever to be financially aware. Fortunately, there are many opportunities to learn about personal finance, whether it's in school, at work, or even on your own. Taking advantage of opportunities that feel right for you, can set yourself up for future financial success, whatever that looks like for you. This month we're celebrating the 30th anniversary of the National Endowment for Financial Education. To honor this special event, I've invited some of the team from NEFE to discuss some of the most recent topics and statistics from polls they have conducted that are impacting the personal finance space. We'll also talk about how financial literacy helped shape their personal lives. I hope you enjoy part 2 in our 5-part series of "NEFE in NOVEMBER with our special Guest, Managing Director of Insights at NEFE: Amy Marty Conrad where we discuss a recent article regarding how individuals with financial education opportunities choose to take them in overwhelming numbers. To learn more about the article and "Financial Education access" visit NEFE.org To learn more about this epsiode, visit: https://go2.money/access

Episode 211: Imagine how much easier buying a home would be if you knew exactly what lenders were looking for. Lenders take some significant factors into account when approving a mortgage. Knowledge is power, and understanding the mortgage approval process can give us that edge in our quest to find an ideal home at the right price and time. In this episode, Brighton Gbarazia offers a behind-the-scenes look into some of the key factors that banks and lenders won't tell you when applying for a mortgage. Brighton is a financial and real estate expert with over a decade of experience working as a financial advisor and mortgage underwriter for some of Canada's largest banks and credit unions. He is the Founder of Wealth Marathon and author of Master Your Mortgage: What the bank won't tell you about buying the right home. There are plenty of books about real estate, but more is needed for real people looking at buying real estate. For the insider's guide to a mortgage, pick up a copy of Master Your Mortgage. To learn more about this episode, connect with Brighton and a transcript, visit https://go2.money/mortgage

Episode 210: NEFE in November. Part 1. There's no question that personal finance can be a complex and often confusing topic. With so many different products, services, and terms to understand, it's no wonder that so many people feel overwhelmed when it comes to managing their money. Would a financial literacy course have helped you on your path? Do you think every teen should take a financial literacy course before graduation to help with foundational financial skill sets? The good news is that there are organizations like NEFE (National Endowment for Financial Education) that are dedicated to helping people understand and take control of their financial well-being, and that includes teens. 30 years ago, NEFE began their commitment to further the field of financial well-being. And in celebration of this milestone my team and I have created this special series called NEFE In November. Each week for the month of November, I invite an employee of NEFE to discuss some of the most pressing issues facing personal finance education in the US today. In this episode, it's my pleasure to have President & CEO of NEFE, Dr Billy Hensley, back again to discuss a recent NEFE poll that explores the need for effective financial education in schools. Learn more about NEFE's recent article and poll; Most Adults Support Financial Education Mandates. Billy J. Hensley, Ph.D., is the president and CEO of the National Endowment for Financial Education. Since his appointment in 2018, Dr. Billy has led NEFE through the development and execution of its first strategic plan, sharpening the organization's mission, vision and core values, and cultivating broader transparency and effectiveness. He is charging the organization to redefine financial education through more focused philanthropy, research and collaboration. To learn more about this episode, visit: https://go2.money/schools

Episode 209: Money is one of those taboo topics that many cultures are hesitant to talk about. But why is that? Why do we feel uncomfortable discussing something that is such an integral part of our lives? By understanding the cultural beliefs around money, we can learn to better manage our finances and build stronger financial futures. So, let's explore some of the different cultural attitudes towards money and see what we can learn from them! In this episode, I chatted with financial coach and mentor Walli Miller and we talk about the cultural beliefs in her life around money. As a woman of color with little financial knowledge, she embarked on a journey to educate herself about how to buy back her time and experience financial freedom. Along the way, she noticed that the finance industry was an echo chamber and lacked diversity. She felt compelled to change that. Walli Miller is a financial coach who teaches women how to take control of their finances and secure financial independence through balanced spending, saving, and wealth-building without deprivation. The founder of Financially Thriving Money Coaching, Walli didn't always understand money or building wealth. Walli is a first-generation college graduate, Latina, and the daughter of an immigrant. Born and raised in the Bronx, she's the first millionaire in her family and now she will be work-optional by age 40. Walli Miller lives in New York City with her husband and blue-eyed French Bulldog named Casper. Find out how to create a spending plan, save for future goals, and learn how to feel confident on your wealth-building journey. Download Walli's Financial Wellness Roadmap for free. To learn more about Walli, links mentioned, and a transcript of this episode, visit: https://go2.money/thriving

Why is it that money can be so emotionally charged? One reason is that money often represents our worth and status in society. We may feel ashamed or embarrassed if we don't have enough money, or we may feel superior if we do. Additionally, money can be a source of stress because it's often unclear how we should use it. Should we save for the future or spend now? Is there such a thing as too much saved up? These are all questions that can lead to anxiety and stress. In this episode, wealth advocate and founder of Financial Fundamentals-Jenn Wolowich, joins me to discuss the psychology of money. We explore the difficulty in distinguishing between the person & the money - "I'm a bad person because I am terrible with money." We joke about there being no parades or confetti when we are financially responsible. Jenn vulnerably shares a personal story about wrestling with the need to rob her daughter's piggy bank. Jenn has been a money nerd her whole life. While her friends were playing barbies, she was creating a make-believe bank complete with real deposit and withdrawal slips and an even old cheque book from the neighbour. Playing bank didn't stop her from making terrible financial decisions as an adult and robbing her daughter's piggy bank to pay credit card bills. Armed with a degree in psychology, her Financial Advisor designation and her passion for consumer-debt freedom, Jenn is empowering families and individuals to take control of their finances and eliminate financial stress. If you're feeling anxious about your finances, visit financialfundamentals.ca and learn how take control of your money. Jenn will help you eliminate debt, save on taxes, protect your wealth and master your cash flow so you can rest easy about the future. To learn more about Jenn, links mentioned, and a transcript of this episode, visit: https://go2.money/fundamentals

In order to make a good impression on others, we might do things that don't always align with our values. We might pretend to be someone we're not or put up a facade to make ourselves look better. While these things might seem necessary in the moment, they can cost us in the long run. By compromising our values, we lose sight of who we are and what's important to us and invite a whole lot of unwanted stress into our lives. So instead of trying so hard to impress others, the focus should be on being true to ourselves, and building positive relationships based on honesty and respect. In this conversation with entrepreneur and founder of the crystal inspired activewear brand, Confused Girl, Giovanna Silvestre, shares her journey from cool jobs - unhappy person to risking it all for freedom and peace, happy person. We talk about the struggles of letting go of safety and starting your own biz, when others say "get a real job". We also explore when a failure is no longer a failure. It becomes a lesson and how to recognize the difference. Giovanna created her activewear brand, Confused Girl, from the ground up. She's designed and successfully marketed a full collection of crystal inspired products, accumulated over 1,000 loyal Brand Ambassadors worldwide and has been featured on NBC, Forbes, Influencive, and many more international publications. She's spent several years living in different parts of the world (Indonesia, Thailand, and Italy to name a few). The self-love and courage Giovanna developed were made possible by the lessons she writes about in her soon-to-be-released book Confused Girl, Find Your Peace in the Chaos. For more information on the release of her book, follow her on Instagram @confusedgirlla. For more information about Giovanna, links mentioned, and a transcript of this episode, visit: https://go2.money/confusedgirl

Is there a dream or goal you've put on the back burner, telling yourself you'll get to it "one day"? Maybe you're not sure how to go about making a change, or fear that you might not be successful. But what if I told you that delaying your dreams is actually costing you more than taking the leap? Trusting your desire to change direction in life is the first step on the path to making it happen. In this episode, I chat with transformational coach Melissa DaSilva LICSW. She was living a life that she thought she was supposed to be living. It wasn't a bad one but after a life altering "aha" moment, Melissa realized her life needed to change direction. So she got really clear on what she wanted, created an action plan, and took the necessary steps, and went for it. Melissa also delves into the emerging technology of NFTs'. What are they and how they are impacting artists around the world. Melissa is a successful physical NFT artist, entrepreneur, therapist, author and coach who motivates other LGBTQIA+ individuals, entrepreneurs, and artists to take their life and career to the next level. She is the author of "The Profitable Practice: Helping Healing Professionals Build and Grow a Successful Business." Melissa is the creator and host of the successful LGBTQIA+ podcasts Pride Connections and Chit Chat with the Queer and Creative. You can also find her on the weekly Youtube show "The Next Chapter," where she and her cohost discuss all topics related to being single and getting older in our world today. Visit Melissa's website to learn more about her work and how she can help you create the life you want. For more information about Melissa, her NFTs' links mentioned, and a transcript of this episode, visit: https://go2.money/NFT

Money matters can be a big a source of stress, but it doesn't have to be. You can make up your own rules around money and create a system that works for you. Fear, guilt, and other people's opinions about money, should not dictate how you deal with it. Only you can figure out what works best for you. So get creative and come up with a money strategy that makes you feel confident and happy! In this episode, I speak with Money Coach Mariah AKA Mariah Raynor. We talk about the why's of our money choices, not the shoulds. We talk about how we feel about debt and money. We geek out on the power of words and how significant they are in our money mindset. Mariah stresses the point that we all get to make our own rules about money. In 2018 Mariah started to feel weighed down by debt and was always worried about money. She felt like she couldn't save any money no matter what she tried. She decided she wanted more for her life. It became her goal to feel in control and confident with money. Over the next 18 months, she continued learning as much as she could and paid off 60k in debt. She went on to get certified in money coaching and started her business towards the end of 2020 and has been helping clients create a better relationship with money ever since. Check out Money Coach Mariah's free training and learn how to stop impulse/over spending - without guilting or restricting yourself. For more information about Mariah, links mentioned, and a transcript of this episode, please visit: https://go2.money/confidence

Have you ever been told to "trust yourself"? It's one of those vague pieces of advice that can be interpreted a million ways. Sometimes it feels like an impossible task, and other times it feels like a cliché we tell ourselves when we don't know what else to do. In this episode, actor, voice over artist and entrepreneur Adam McArthur discusses what it means to trust yourself and follow your passion. Are they really the same thing? And if they are, how do we make them happen in our lives? We also delve into tuning out the social messaging that has been programmed into our minds. Adam McArthur is best-known for voicing fan-favorite Marco Diaz in Disney's hit series Star vs. The Forces of Evil for four seasons. Soon after, he transitioned into the world of anime and quickly made a name for himself in the genre. Adam is also successful entrepreneur. He has been running a photo booth company called The Booth & Bus Co. for nearly a decade. While the company does offer your traditional photo booth design, they also have a selection of uniquely designed booths modeled after vintage VW buses. The Booth & Bus Co. does not stop at just small weddings and parties. They have earned a devoted following of A-list clientele from their work at corporate and entertainment events throughout Los Angeles. For more information about Adam, links mentioned, and a transcript of this episode, please visit: https://go2.money/trust

Episode 203: You've got a great idea. It's something you're passionate about, and you can't wait to get started. But then doubt sets in. You start worrying that you're not good enough, that someone else has already done it better, or it costs too much and it's just not worth the effort. Before you know it, your idea is collecting dust, and you feel frustrated and stuck. Most successful people didn't become successful by waiting for the perfect opportunity or the perfect idea.They took action on their ideas, even if they weren't perfect, and learned as they went along. In this episode, Author, Entrepreneur, Community Builder and ever-evolving Innovator Chris Krimitsos, took time out of his busy schedule at FinCon22 to sit down with me to share his thoughts. Chris shared his perspective on the differences between a want-eprenuer and an entreprenuer. We explore the dangers of comparing yourself to others. And we delve into the importance of being honest with yourself as an innovator and how it is an essential factor regardless of how uncomfortable it feels. Chris Krimitos is the founder of the Podfest™ Multimedia Expo, an international conference, providing content creators with opportunities to build relationships and their podcasts/YouTube channels. Chris has also made it into the book of Guinness World Records™ two years in a row as he championed the largest attendance for a virtual podcasting conference in a week. It's time to break free from the chains of perfectionism that are holding you back. Start ugly and see how much more fun and growth you can experience. Buy Chris's book, Start Ugly, today to find out how! And if you are a content creator, go and grab your ticket to Podfest Multimedia Expo in Orlando, Florida USA, Jan 26-29 2023. That's podfestexpo.com. You won't regret it. For more information about Chris, his book, links and a transcript of this episode, please visit: https://go2.money/start-ugly

Episode 202: It's no secret that the financial industry has an inclusion problem. Marginalized groups, including people of color, women, and the LGBTQIA+ communities, feel discouraged from engaging in financial services. This leaves them at a disadvantage in building wealth and achieving economic security. But there are organizations out there working to change this. They're providing access to financial education, statistics, and resources for marginalized communities and helping them overcome barriers preventing them from achieving financial success. In this episode, recorded @FinCon22, I invited Dr. Billy Hensley, CEO of the National Endowment for Financial Education, (NEFE) to discuss the need for inclusion and equality through empowerment and education within the financial services sector. In particular, highlighting the most current issues affecting the financial lives of the LGBTQIA+ communities. In May 2022, NEFE surveyed U.S. adults who identify as LGBTQIA+ community members on a broad range of issues regarding their interactions with the financial services industry and their financial quality of life. I urge you to read the full report, How LGBTQIA+ Representation Assures Better Data (https://go2.money/LGBTQIA+). There needs be more discussions about inclusion through education. "... only when all individuals and families are provided a level playing field free of bias and discrimination will we truly be able to achieve economic stability." - Dr. Billy Hensley. NEFE. For more information about NEFE and Dr. Hensley, resources, links and a transcript of this episode, please visit: https://go2.money/NEFE

Episode 201: When you're dealing with debt, it's easy to get caught up in the numbers. You're juggling creditors, working out a budget, and trying to find ways to make your money work for you. But it's important not to lose sight of the interest rate on your debt. That little number can creep up on you if you're not careful, and before you know it, you're paying out more each month than you bargained for. It's important to stay mindful of your debt interest rate so that you can keep your payments as low as possible. By keeping on top of things, you'll be able to chip away at that debt and eventually get it paid off and if your anything like our next guest, you could be on your way to living a debt free life. Steve Stewart is a Podcast Editor and produces multple shows for his peers, including Plutus Award Winning podcasts such as the Stacking Benjamins Show, Afford Anything, and Popcorn Finance. Steve also founded the Podcast Editors Club, with over 8,000 members, and co-founded the Podcast Editors Conference and Podcast Editor Academy - where they help individuals build their own podcast services business. In this episode, Steve Stewart and I discuss how he walked away from his day job after turning his side hustle into a thriving business. We also delve into how living a debt-free lifestyle was a game changer for him. Steve passionately shares his perspective on credit card rewards points and who really pays for those perks. If you're a fellow podcaster reach out to Steve Stewart to free up some of your editing time to focus on growing your business! For more information about Steve, resources, links and a transcript of this episode, please visit: https://go2.money/PayAttention

Welcome to another episode of Money You Should Ask Podcast. I'm your host, Bob Wheeler, and I am excited to bring you part 2 of our fun conversations about money and emotions. In celebration of our 200th episode, my team and I decided to go back in time to some fun financial moments where our guests and I got down to the nitty gritty aspects of money. In part one, we highlighted some fun money moments about creating abundance, money blocks and money stories. We ventured to places in life where money made us laugh or cry. In part 2, we spotlight some of the insights or wealth wisdom moments, as I like to call them, that have inspired us. In each episode, our guest proposes a valuable tip that has helped shape their journey with money. We hope these moments can inspire or help you on your journey to financial success. So, whether you're a seasoned listener or just discovering us for the first time, be sure to tune in each week for new episodes that will help you achieve success and abundance in all areas of your life. As always, you can find all our episodes on themoneynerve.com or your favorite podcast apps. If you like what you hear, please follow us and leave a review. And finally, I would like to thank you for joining us as we continue this journey and explore everything money and life have to offer. I am so grateful to you. Without you, this show would not have been able to hit this huge milestone. Thank you very much. And I look forward to bringing more great conversations that help us understand why we do what we do when it comes to money.

Welcome to the 200th episode of Money You Should Ask Podcast. I'm Bob Wheeler, your host, and I am excited to bring you another episode of fun conversations about money and emotions. In celebration of our 200th episode, my team and I decided to go back in time to some fun money moments where our guests and I got down to the nitty gritty aspects of money. We discuss everything from creating abundance, money blocks, money stories, and venture to places in life where money has made us laugh or cry. So, whether you're a seasoned listener or just discovering us for the first time, be sure to tune in each week for new episodes that will help you achieve success and abundance in all areas of your life. As always, you can find all our episodes on themoneynerve.com or your favorite podcast apps. If you like what you hear, please be sure to follow us and leave a review. And finally, thank you for joining us as we continue this journey and explore everything money and life have to offer. I am so grateful to you. Without you, this show would not have been able to hit this huge milestone. Thank you.

At work, we may feel the pressure to create an identity for ourselves that is different from who we really are. We want to be seen as successful, interesting, and put-together individuals. And if you're not white, you may need to create an identity that is digestible and comfortable for the predominate culture. You may feel pressured to hold back to portray a persona that isn't entirely authentic. It can be incredibly frustrating because it feels like being stuck in a constant cycle of pretending to be someone you're not. What if there were a way to be successful and still be true to one's self? In this episode, Dr. Daryl L. Jones and Charles Mitchell Esq., hosts of The Conscious Vibe Podcast, shed some light on how they broke free from the pressures of corporate America to become entrepreneurs with the view to encourage individuals who don't see themselves pursuing a traditional path to create their own opportunities. I invite you to listen to this episode and include The Conscious Vibe Podcast on your list of must-listen-to podcasts as Dr D.J. (as I like to call him) and Charles Mitchell explore fascinating conscious conversations around mindset, race, politics, business, and culture. For more information on our guests, resources and a transcript of this episode, please visit: https://go2.money/tcv

Do you talk with your money? It may sound crazy but it's one of the most important conversations you can have. Because if we're not on the same page as our money, things can get messy. In this episode, I'm talking with Dr. Joe Burns about creating a better relationship with our finances. We explore the power of language when working with our finances and the intricate way in which money and language interact. By learning to communicate effectively with our money, we can create lasting change in our financial lives. In 2009 Dr. Joe was faced with his wife lost in PTSD, bills, creditors closing in, and a house in foreclosure. He thought if only he had more money, his problems would be solved. However, after changing jobs and making over $100k a year, he realized money was never the problem, his mindset was. Dr. Joe helps entrepreneurs unlock access to the answers inside them by disrupting their money mindset, raising their Money EQ, and making money their best friend. No matter what your income is, if you are not seeing the results you want it means there is tension between you and money. Download Dr Joe's, Stop the Money Meltdown process and discover the 5 steps in disrupting unconconcious patterns in your life and make peace with prosperity. Thank you for taking the time to tune in. To find links to connect with Dr. Joe, more information, resources and a transcript of this episode, please visit: https://go2.money/talk

Most people going through a divorce will tell you that it's one of the worst experiences they have ever been through. It's a time of upheaval, adjustment, and enormous change. For many people, it's also a time of great loneliness and isolation. However, it is possible to not only get through a divorce but to thrive after it. With the right mindset and support system, you can rebuild your life and create a new future for yourself. After an excruciatingly painful divorce, our guest, Kelli Calabrese, got certified as a Divorce Coach to help her heal and help others to do the same. She is also a mental health care coach and the founder of Intentionally Fabulous - Single Redefined. Kelli empowers people to overcome grief, fear, and rejection so they can heal and create a fabulous life filled with peace, joy, gratitude, self-love, and celebration. If you've been impacted by divorce and are feeling lost, uncertain or just plain ready for something new in your life, Intentionally Fabulous - Single Redefined will help you find your way. Through online video classes, coaching, and community, Kelli provides the tools and support you need to create a fabulous bonus life - on your own terms. For more information about this episode and a transcript of the entire conversation, please visit: https://go2.money/Thrive

Imagine landing your dream job. And then imagine having your supervisor take credit for your work time and again. Infuriating, right? This scenario was a reality for our next guest, productivity expert and Wired editor Alan Henry. When it happened to Alan, he, like so many others, buried his feelings and stayed quiet. For over twenty years, Alan Henry has written about using technology and productivity techniques to work and live better for publications such as Lifehacker, The New York Times, and Wired. Alan is passionate about sharing work rules that allow people of color, women and LGBTQ folks the same access to career advancement as their more privileged counterparts. Alan started to explore these ideas while working as the Smarter Living editor at The New York Times and delves deeper into them with his recently released book Seen Heard and Paid: The New Work Rules for the Marginalized. Arm yourself with the best antidote to workplace gaslighting and purchase a copy of Seen Heard and Paid. To connect with Alan, find more information, resources, and a transcript of this episode, please visit: https://go2.money/podcast

Medical debt is a real and pressing issue. Millions of Americans are struggling to pay off this type of debt. In fact, it's the number one reason people file for bankruptcy. To add to this dilemma, 80-90% of medical bills contain mistakes. What if there were ways to crush medical debt and avoid a lifetime of repayments? In this episode, Internal Medicine Physician, medical billing expert, and author of the book, What Your Doctor Wants You to Know About Crushing Medical Debt - Dr. Virgie Bright Ellington, shares some of her unique strategies for dealing with and eliminating medical debt. To connect with Dr. Virgie, more info, resources, and a transcript of this episode, please visit: https://go2.money/MedicalDebt

Too often, we tend to think of physical abuse when we think of abusive relationships. But the truth is, financial abuse is just as dangerous and can be just as damaging. Financial abuse is a type of manipulation where one partner controls all the money in the relationship. They may give their partner an allowance, forbid them from working or make all the financial decisions. That can leave the victim feeling powerless and dependent on their abuser. In this episode, Bob talks with divorce lawyer, empowerment trainer, author, and domestic violence advocate, Sonia Frontera. As a survivor of an abusive marriage, Sonia discusses some things people can do to prepare themselves to step away from toxic relationships. One in every four women and one in seven men experience domestic abuse in their lifetimes. "Stop the Hurt" is a guide that teaches you how to spot the signs and take steps to end the abuse in a relationship in which a partner is hurting you or someone you know. Thank you for taking the time to listen. To find links mentioned in the episode, connect with Sonia, resources and a transcript of this episode, please visit: https://go2.money/StoptheHurt

Have you ever felt the weight of your day-to-day life? The stress from work, family issues at home, or financial worries can feel like they're going to take over. There is an easy way for us all to declutter our thoughts, find a sense of inner peace, and manage the stress in our lives. Our next guest, Roberta Hughes, is the Founder and lead instructor at PeaceFull Living. This boutique hybrid studio conveys a delicate and personalized Peaceful Living instruction for body and mind through customized Pilates, Meditation, and Yoga practices. Roberta's philosophy is that with the proper training and body awareness, everybody can achieve their health and wellness goals, live without pain, reduce the impact of stress, and obtain the highest quality of life. Roberta and Bob unpack the benefits of mindful practices, zen moments, and why we need to be more radical with our self-care. Exclusive Offer for MYSA Audience: From the comfort of your home, you can embark on a Peaceful, Purposeful, and Personal approach to having Pilates, Yoga and Meditation transform your life. Roberta is graciously offering 30% discount on any of the services at peacefullliving.com by using promo code MONEY30 at checkout. Become a member or sign up for a customized plan with guidance and mentorship directly with Roberta and begin your PeaceFull Living journey today. Thank you for taking the time to tune in. To find links to connect with Roberta, more information, resources and a transcript of this episode, please visit: https://go2.money/PeaceFull

We all know that we only have one life and that we need to make the most of it. For some, this means spending time on their health and wellbeing, while others prioritize their finances. But what happens when time is precious, and you can't do both? Which priority should take precedence? After two sudden, unexplained cardiac arrests at a young age, author and personal development specialist Ryan Lindner began to explore different perspectives with his clients that come with any profound, life-changing event because if you aren't living, you're dying. Ryan has a book called "The Half-Known Life," where he challenges the conventional thinking of success, identity, and personal change. Through his experiences, Ryan believes that priorities change when time becomes precious. When we realize that time is precious, we often change the way we think and act. Bob and Ryan discuss the mindset shifts that occur when met with adversity; how we transform and begin to fully appreciate what we have and make the most of every moment. The clock has already started ticking. Ryan's book "The Half-Known Life" offers a fresh perspective on personal growth to help you get out of your head and into your life. Thank you for taking the time to tune in. To find links to connect with Ryan and more information, resources and a transcript of this episode, please visit: https://go2.money/podcast

Have you ever been through something so traumatic that you thought you couldn't overcome it? One thing is for sure: we all go through tough times. Making it through tough times is something that we all do every day. It's not easy, but it's possible. And one way to turn your traumatic experience into something truly triumphant is to share your story with others. When you bravely share your story, you can help others who are going through their own tough time to not feel so alone. Vulnerability deepens our connection with others. Living through trauma, dealing with disordered eating, alcoholism, and domestic and sexual violence, our guest Stephanie Olson used her trauma and turned it into a testimony to help others. As the CEO and co-founder of The Set Me Free Project, Stephanie has grown a nonprofit from nothing to bringing prevention to thousands of youth and adults on human trafficking, social media safety, healthy relationships, trauma, addiction, and resilience. Stephanie is also the host of the Being Resilient Podcast. If you want to be inspired by someone who has faced adversity and come out on top, then be sure to visit Stephanie's website https://stephanieolson.com Thank you so much for listening. To find links to connect with Stephanie and more information, resources and a transcript of this episode, please visit:https://go2.money/triumph

Turning 3 years old is a significant milestone for kids, and for parents too. At this age, kids begin to form a sense of curiosity and develop ideas and opinions about the world around them, especially money. How children see adults handle money will play a significant role in shaping their ideas about money. By setting a good example, parents and grandparents can help instill healthy habits in their children at an early age. Our next guest, Gramps Jeffrey, is a grandfather of six, who has written an award-winning children's book, "I Don't Want to turn 3." It explores what goes through a toddler's mind - which parents often desperately want to understand. He is also the author of the acclaimed business book "The Secrets of Retailing… How to Beat Walmart" and is a regular contributor to The Huffington Post. In this episode, Bob and Gramps Jeffrey discuss the need for conscious and intentional parenting. The simple act of actively listening can instill beneficial habits that can set your child up for success in the future. Grab a copy of "I Don't Want to Turn 3" to help build character and teach life lessons to your toddler in a fun and engaging way. Thank you so much for listening. To find links to connect with Gramps Jeffrey and more information, resources and a transcript of this episode, please visit: https://go2.money/Gramps

Many of us were taught how to earn money, but not the foundation for managing it. You might be experiencing financial stress because you don't know what your next move should be or how to track all of your financial information. You may be overwhelmed because you don't manage your time. We're all so busy trying to find the time to manage everything and more importantly - have time for our priorities! Our next guest, Rennie Gabriel, has seen both great success and challenging times. After two divorces and a business failure, he was left broke at the age of 50. However, Rennie refused to give up and became a multimillionaire, learning the three secrets of the wealthy along the way. He has now written an award-winning, best-selling book called "Wealth On Any Income" and donates 100% of the profits from his online programs to rescue dogs and soldiers. To learn more, watch Rennie's TEDx talk on Creating Wealth with Purpose, and download his free nine-step Wealth Creation Roadmap. It's never too late to create wealth. Thank you so much for listening. To find links to connect with Rennie and more information, resources and a transcript of this episode, please visit: https://go2.money/podcast

Are you creating your own reality or living an existence based on prior fears and old beliefs? We all have the ability to create our own reality. By simply shifting our focus on what we want in our life rather than what we don't want, is the first step in consciously transforming old patterns in our lives into new empowering ones. Though it may take some practice and sometimes a lot of effort, you can change your life for the better. With enough persistence, trust and patience, anything is possible. Our next guest, Kelsi Davies, is a Content Creator, Psychic Medium, Actress, Singer and Dancer who has found success in creating her own reality. She currently has three singles released; "Done," "Darker," and "Heartbeats," and for fans of haunted adventures, check out her app "Kelsi Davies: Haunt Escape" for iOS and Android devices. Kelsi also hosts the podcast "InTALKxicated" where she and her guests talk about conspiracies, ghost experiences, mysteries, and much more. Kelsi is a frequent collaborator of PrideHouseLA and has appeared in countless music videos and short films. Thank you so much for listening. To find links to connect with Kelsi and more information, resources and a transcript of this episode, please visit: https://go2.money/reality

The challenges are immense when you lose a partner through divorce or widowhood. It feels like the whole world is suddenly changing, and you're unsure how to handle it. Now, decisions must be made about your financial future, which adds even more stress to what seems like an impossible situation! After experiencing her own hardship at the intersection of grief and finances, our guest Rachael Burns felt called to help other women trying to plan for their futures after experiencing trauma. And so began True Worth Financial Planning. Prior to founding True Worth, Rachael spent 12 years advising affluent families under the top wealth management firms. She is a Certified Financial Planner® and Certified Divorce Financial Analyst® and has an MBA and a Master's in Personal Financial Planning. True Worth Financial Planning offers fee-only planning, divorce analysis, and investment management tailored to the unique needs of newly single women. Book a free strategy session with Rachael and begin to redefine your true worth. Thank you so much for listening. We appreciate your time. To find links to everything we talked about today, including information about Rachael, resources and a transcript, please visit: https://go2.money/trueworth

The 5-year survival rate of small businesses is 45%. This means that, on average, half the companies will fail in their first five years. The main reason for this high failure rate? Not having enough money! When working with new business owners, one of the first things our guest Rocky Lalvani looks for is any limiting beliefs around money. How have they learned to think about money in their life, and what do they believe today? We can uncover so much from our past experiences. Yet, some business owners never explore their current financial mindset, which could be holding them back from making more progress in business or achieving financial freedom. Rocky began his quest for the American Dream with $25. He immigrated to the United States when he was two years old, and his parents were in their 40s. Rocky knows firsthand what it looks like to build a wealthy lifestyle out of nothing through saving, investing, and spending wisely. Rocky serves as Chief Profitability Advisor for business owners, where he teaches his clients how to ensure they get paid and make profit a priority! He hosts two podcasts, The Profit Answer Man, where he helps people become more profitable. And another one called Richer Souls focuses on how to create the life of your dreams once you've made your money. Rocky loves to share his journey and inspire others to achieve their dreams even faster. Visit, Profit Comes First and learn how putting profit first can make a difference in your business. We really appreciate your time, and we hope that this podcast has provided some value for you. If so, please leave us a review on your favorite podcast app. You can learn more about this episode at: https://go2.money/profit

Do you have a money block? We all do. And you might not be conscious of it. Our thoughts and feelings around money can affect how much of an obstacle they create financially. A money block is when we create barriers in our belief system that hold us back from achieving what we want! These blocks manifest on both the conscious and subconscious levels (where most people don't even notice). After going from food stamps to building a 6-figure business fast, our next guest, Dr. Amanda Barrientez knows firsthand how to break through unconscious money blocks. Dr. Amanda is the founder of NFA - No F***ing Around – Money and is also known as the Money Healer. She helps coach online entrepreneurs to experience money-making breakthroughs using her proprietary NFA Money Maker™ Methods - higher profits are guaranteed. Would you like to feel more confident in making money in your life or business? Check out Dr. Amanda's proven 3 Step NFA- Money Formula and breakthrough your unconcious money blocks. We really appreciate your time, and we hope that this podcast has provided some value for you. If so, please leave us a review on your favorite podcast app. You can learn more about this episode at: https://go2.money/nfa

In today's fast-paced, overstimulated world, there are more distractions than ever before. We've all had moments where we needed some "me" time and found it hard to prioritize our lives between work, family obligations, or the million other things vying for attention in our daily lives. What changes might help create more balance in your life, including finances? Our next guest is Heather Zeitzwolfe, who turned her world upside down to embark on a new journey to get her balance right. Heather is a CPA, profitability coach, podcast host of Get The Balance Right, speaker, rebel, nerd, vegan, cat mom, feminist, and activist. Heather is intent on helping female entrepreneurs take control of their finances. She has funky colored hair, transforms tofu into delicious desserts and geeks out on writing sketch comedy. Are you ready to take your finances to the next level? Visit, Get The Balance Right and download your free workbook now. Visit: https://go2.money/podcast for more info about this epoisode.

How often are you stuck in a pattern of thinking that just won't go away? You feel like nothing will ever change, and your life will always be this way. It's not until we decide to shift our mindset towards positivity and making changes that allow more spaciousness within ourselves (like practicing self-love), that our lives begin to look and feel different, and new opportunities appear. It's like it's magical. Our next guest is Kass Thomas. She is a motivational speaker, radio personality, Access Consciousness® certified facilitator, bestselling author, and communications expert. Her mission in life is to strengthen the unity of choice and change and to inspire us all to discover our own unique brand of magic. I encourage you to check out her book, 7 Steps to Flawless Communication, available in more than 20 languages. In her most recent book, Dancing with Riches, Kass invites you to explore all that is possible for you, no matter how many times you think you have succeeded or failed. For more on Kass and this podcast visit: https://go2.money/Riches

When an artist gets the green light, not only does it help monetarily, it can begin a process of collaborative creativity. By bringing together people from all walks of life with different ideas and skills, there is room for the creation process to be more dynamic, innovative, and engaging. Our next guest, Ben Giroux says, "Doing things as a collective is always more satisfying." Ben Giroux is an Actor, Voice-over Artist, Producer, Director, and Writer. He is best known for portraying The Toddler in Nickelodeon's Henry Danger and Danger Force franchise. He is currently voicing the lead character, Nate, in the highly anticipated Nickelodeon series "Big Nate" available to stream on Paramount+. Ben has toured with the Backstreet Boys, launched a successful production company called Small Red Cape, and has appeared in over 100 episodes on television. To learn more about Ben and check out his latest projects, visit: https://bengiroux.com/ More on this episode at https://go2.money/Ben

It's no secret that the cost of college has increased dramatically in recent years, with an average student loan debt reaching $30k for young adults just starting out. But there are ways to work towards financial freedom, even as a teenager! My next guest, 17-year old podcaster & entrepreneur Chase Guelette knows this all too well. After interviewing knowledgeable guests on topics ranging from personal improvement to finance and investing during his first podcasting venture, he now helps other teens learn about money through experimentation with multiple different side hustles, including couch flipping. There are a lot of assumptions out there about Gen Z'ers and money. I take it upon myself to see if they ring true in this discussion with Chase! Listen to our conversation and see if you agree. Teen Financial Freedom is a personal finance blog and podcast run by teens on a mission to equip their peers with the knowledge, resources, and understanding they need to become financially free. To connect with Chase and the Teen Financial Freedom team, visit: https://go2.money/Teen

Sometimes we think it is easier to ignore the reality of our finances and overlook years of debt that have taken a toll on our emotional health. So we put on a brave face and try really hard to pretend everything is good. Which in turn creates more frustration, shame, or even worse, guilt. Our next guest, Simone Milasas believes that most people are in debt because they are unconsciously comfortable that way. Simone and I discuss her own experience with overwhelming debt and how she underplayed her money problems. After changing her points of view about money, Simone has gone from overwhelming debt to a millionaire entrepreneur with a thriving investment portfolio. Simone is a self-made millionaire, renowned speaker, leading Facilitator with Access Consciousness®️ and the founder of the global organization Joy of Business. She is a bestselling author and has written Joy of Business, Getting Out of Debt Joyfully (translated into multiple languages), and Relationship: Are you Sure You Want One? Simone constantly sees the joy of possibility and future and recognizes the prospect of possibility in every choice. If you're ready to change your entire financial reality, visit simonemilasas.com. You can find Simone every week on her podcast, The Choice Change and Action Podcast. To connect with Simone and learn more about this episode, visit: https://go2.money/podcast

You can make your life into anything you want it to be. All you need is imagination, focus, and trust in yourself. In this episode, I am joined by Myles Wakeham of beunconstrained.com. He openly shares his story of surviving a significant auto accident in the outback of Australia, which forced him to question life, purpose, and direction. Since rebuilding himself, he now knows how to handle and mitigate adversity, and he has honed those skills to live a life unconstrained. Myles is a self-made business-focused technologist, one of the early members of biotechnology corporation Amgen (now the largest biotech company in the world), has invested wisely in Bitcoin since 2011, and owns a portfolio of rental properties. He lives a 100% free and unconstrained life, no job, etc., yet never graduated high school, let alone college. Myles has no job, is a multi-millionaire, lives in multiple countries and pursues opportunities, projects and passions throughout the globe. Learn new ways to live an unconstrained, debt-free and financially independent life by listening to The Unconstrained Podcast, hosted by Myles. For more information on this episode, visit: https://go2.money/unconstrained

In this episode, Brett Swarts from Capital Gains Tax Solutions and I discuss the idea of focusing our awareness on our internal strengths to become who we want to be. Working harder only gets us so far in life--to make a lasting impact, we need what's inside ourselves: integrity! Brett helps people successfully escape from feeling trapped by capital gains taxes. Brett and his team offer valuable guidance on navigating complicated tax laws, so you don't lose your hard-earned money or get stuck paying higher rates than necessary. He's an active commercial real estate broker and investor with brokerage experience and ownership in multifamily, senior housing, retail, medical office, and mixed-use properties. He's a licensed real estate broker and host of the podcast, Capital Gains Tax Solutions. To learn more about Brett Swarts, Capitol Gains Tax Solutions and his free 30 minute consultation, visit: https://go2.money/CGTS

Fewer than 1 in 5 people with a disability are employed in the USA. This harsh reality compelled our next guests, father-son entrepreneurs - John and Mark Cronin to create John's Crazy Socks. Inspired by John, a young man with down syndrome, and his love of colorful, fun and creative socks, or what he calls his "crazy socks," began their mission to spread happiness to feet everywhere. Mark is the father of this father-son enterprise. His leadership has demonstrated that pursuing social goals – showing what people with differing abilities can achieve and giving back – makes for good business. John, Mark, and I jump right into how John's love for crazy socks inspired a mini-empire that turned John into a sock tycoon. March 21st is World Down Syndrome Day. To celebrate, we encourage everybody to go out and wear their crazy socks. And if you don't have crazy socks, go to johnscrazysocks.com, and buy a pair. John continues to spread happiness and is giving away some crazy socks to 5 lucky MYSA listeners. Visit: https://go2.money/socks for more details on how to get your free socks.