So Money with Farnoosh Torabi

If you're a female entrepreneur you'll hopefully be as inspired as I am by today's guest. Jenn Scalia is a visibility coach and online business strategist who specializes in helping female entrepreneurs stand out in their industry in order to make an impact in their area of expertise. She's best known for her tough love, no-B.S. style when it comes to managing her clients. She has quite the story of her own having hit rock bottom only to come back stronger than ever. After losing the love of her life, moving back in with her parents and piling up debt, Jenn was a single mom and realized it was time for a change. Jenn motivated herself to build a 6-figure business to become an online superstar. Today, she helps thousands of entrepreneurs who follow her teachings of how to promote their brands online. She is also regularly featured on Huffington Post, Elite Daily and MindBodyGreen. For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

I’m dedicating this show to all my student loan borrowers out there. I know you listen to this show. I know you’re dedicated to getting ahead financially. I also know that this is an extremely challenging issue. Overcoming student loan debt. In this country …we have more than $1.2 trillion in outstanding student loan debt, 40 million borrowers, an average balance of $29,000. To help us out with some solutions…I’ve invited the co-founder and vice president at SoFi. This company is making a big name for itself as the alternative student loan refinancing engine. A second largest marketplace lender with over $3 billion in loans issued across student loan refinancing, mortgages, personal loans and MBA loans. You may recognize his name because he's also a thought leader whose perspectives on Millennial and Gen X personal finance topics have been featured in a variety of media outlets among them are ABC, FOX, CNBC, Fast Company and event Italian Vogue! Prior to co-founding SoFi, Dan spent twelve years leading Enterprise Sales and Product Development at at Standard Chartered Bank across London, Singapore and Shanghai. Dan was born and raised in the UK, so he holds a Bachelor of Arts in Business Economics from the University of Durham in England. He also holds a graduate degree in Management from Stanford Graduate School of Business where he was a Sloan Fellow and co-founded SoFi. For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In today's episode of Ask Farnoosh, special guest Ethan Dornhelm, principal scientist at FICO, and I answer your biggest questions about credit everything from making minimum payments to what goes into your credit score and more.To learn more about Ethan visit www.fico.com/en/blogs/author/ethan-dornhelm. For more information about the podcast visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Today's guest is a business strategist and self-proclaimed serial entrepreneur. Her story began when Erin dreamed of climbing the corporate ladder after reading Rich Dad, Poor Dad (written by Robert Kiyosaki, a former So Money guest!) where she finally learned the meaning of “financial freedom.” To her, financial freedom had always been about a job and 4% annual raises, but now it was about ownership. By her late 20’s, Erin got her realtor’s license and was owner of two homes. She then created a part-time pet-sitter company. Within two years the part-time job became a six-figure income with 12 employees. Five years later, she sold the pet company and opened a mobile spray tanning business. Nine months later, she had created another successful business venture. Since then, she has spent time helping and investing in others and their ventures. She’s taken products to market, launched online businesses and has taken on massive marketing changes and plans for businesses in a variety of industries. Since her dream is to help others, she created The Starters Club, which aims to help people wherever they are in their journey of entrepreneurship by working closely together and connecting entrepreneurs to the resources they need to help grow their business. She's also written the book Master the Start: 10 Steps To Get Out Of Your Own Way and Create Your Dream Business and started a podcast to accompany her business, The Starters Club where she discusses entrepreneurial topics and interviews guests. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Today’s guest is someone for whom I had the privilege of working when I was first in New York City working as a junior reporter at Money Magazine, and there my guest Jon Birger was a senior writer. And so it is with great pleasure that I introduce him today on the show. Jon is the recent author now of the newly published book “DATE-ONOMICS: How Dating Became A Lopsided Numbers Game.” He explains the shortage of college educated men for every heterosexual woman out there, what he calls the “man deficit”, and it’s not that he’s just not into you — well there’s just not enough of him, he explains. And in the book Jon further goes on to talk about why this is the case, examining a combination of demographics, statistics, game theory, and good old number crunching. And good news, he offers some solutions for his female readers who wish to get married. Like which college to attend, if you’re young enough, where to hang out and where to live in order to meet Mr. Right.In addition to his book, Jon is a contributor to Fortune Magazine, as well as a freelance journalist who’s work has appeared in The New York Times,The Washington Post, Time, Barons, Bloomberg Businessweek, among many others. Prior to his work as a freelance journalist, Jon was a senior writer at both Fortune, and as I mentioned, Money Magazine. You may also recognize his name because he’s had numerous radio and TV appearances for this book, ranging from MSNBC, to CNN, to NPR, Good Morning America, and most notably in 2013 the Silicon Valley Trade Group “Always On Network” names Jon a power player in technology business media. So, he is a hard-hitting journalist on top of an author of a wildly popular book.For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Today's guest is the very accomplished Tory Johnson. She’s an employee-turned-entrepreneur whose goal is to help “make great things happen for women.”In doing so, she created two multi-million dollar career-focused businesses for women including Women for Hire, a recruitment service offering a variety of career-related information for working women, and Spark & Hustle, a subscription network for entrepreneurs to come together to connect and collaborate on their ideas.Tory is also is a weekly contributor to ABC’s Good Morning America and author of 7 books, including a New York Times best-seller for The Shift: How I Finally Lost Weight and Discovered a Happier Life, where she shares how she shed 62 pounds in a year after her life-long battle with her weight.Earlier this month, Tory’s sequel Shift for Good: Simple Changes for Lasting Joy Inside and Out was released. She recounts her journey to personal discovery and the effect it has had on both her professional and personal life. For years, Tory was so focused on the number on the scale and her waist size but realized even after she lost all the weight, she was still missing something. In this latest book, Tory shares with her readers how they can find joy in their daily lives and how they can make this shift for good since she experienced it firsthand, too.For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Kicking it off this week with my good friend Michael Schreiber. Michael and I used to work together. Well, actually we went to graduate school together at Columbia, followed by some colleague work atTheStreet.com, and then later we kind of worked together at Credit.com. He is currently the Editor in Chief and Chief Content Officer of Credit.com. It’s a website that serves as your credit advocate. It’s also a resource and guide to make sure that you’re fully armed with all the info and tools you could possibly want/need in order to fully understand your credit. Wanna know how a late payment can affect your score? Need guidance on how to manage your credit? Or maybe you wanna see where you stand with your score? Credit.com has you covered and the content from the website is syndicated everyday across major media portals including Yahoo!, NBC,AOL, MSN, and several others. Michael is responsible for leading the editorial and content team made up of more tan 30 credit experts. He is an Emmy and Dupont award winning journalist. He’s also a producer with 15 years of experience working in print, TV, online media and documentary work. Prior to this role he served as Managing Editor at MainStreet.com, the personal finance site owned by TheStreet.com. Michael is also a fellow graduate of Columbia University’s Graduate School of Journalism where he also serve there as an adjunct professor in the multimedia department. For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In today's episode of Ask Farnoosh, special guest Sophia Bera of GenY Planning and I answer your biggest questions about retirement planning, how to afford children and more.Sophia Bera joined me earlier in the month on So Money Millennial week and in case you missed our interview you can catch it here.If you would like to learn more about Sophia Bera, visit her website genyplanning.com or follow her on Twitter @sophiabera. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Today’s guest is a veteran journalist and well-known voice to millions of American Radio listeners. She is Tess Vigeland, CEO of Tess Vigeland Productions, an LA-based multi-media media company. For 11 years, she was the anchor for public radio’s Marketplace as well as spent 6 years hosting the personal finance show, Marketplace Money. Tess also wrote the newly published book titled, Leap: Leave A Job With No Plan B to Find the Career and Life You Really Want. This book was based off of Tess’s personal experience after she felt that “Marketplace’s Tess Vigeland” was no longer fulfilling and left her dream job to find her next calling. In her book she talks about leaping without a net with humor and honesty and shares the possibilities that are on the otherside for those willing to leap with her.Tess still keeps her radio voice warmed up serving as a backup anchor for NPR’s All Things Considered as well as shows on two local LA stations. In her “spare” time, time she writes for The New York Times, The Guardian among many others as well as serves as a professional emcee, speaker, panel moderator and interviewer.For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

While I was at FinCon 2015, I had the pleasure of interviewing Carl Richards with a live audience. He is a Certified Financial Planner and the director of investor education for BAM Alliance, which is a community of more than 130 independent wealth management firms located across the United States. Carl is the creator of the weekly Sketch Guy column in The New York Times and a columnist for Morningstar Advisor. His sketches are most known for taking complex financial concepts and making them easy to understand. They also served as the foundation for his first book, The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money. Most recently this past March, Carl released the book The One-Page Financial Plan: A Simple Way to Be Smart About Your Money.Carl’s work has also been featured on Marketplace Money, Oprah.com, Forbes,com among others. He has also become a frequent keynote speaker at financial planning conferences and visual learning events around the globe. Carl’s artwork has appeared in a solo show at the Kimball Art Center in his hometown of Park City, Utah and other showings include The Parson’s Gallery in New York, The Shultz Museum in California and the Mansion House in London. His commissioned work is on display in businesses and educational institutions across the country.For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Joining me today is Belinda Rosenblum, a CPA wealth expert and self-proclaimed “Chief Money Motivator.” She runs her own company, OwnYourMoney.com, which specializes in helping corporate professionals and entrepreneurs take charge of their money. Her goal is to lead a movement that will change people’s perspectives on money and transform the way we are thinking, feeling, and acting about our money. She is also the co-author of a book entitled, “Self-Worth to Net Worth: 12 Keys to Creating Wealth Inside and Out,” which provides a step-by-step approach to help build financial self-esteem. She’s also offering So Money listeners her free 10-day course to help any of you out there listening to get out of debt. How generous! It’s called the DitchYourDebtChallenge and So Money listeners can get the course by visiting http://www.ditchyourdebtchallenge.com/somoney. For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Today's guest is someone I've proudly worked with to help me steer my previous book launch and elevate my business. And I think what she does to help clients is simply outstanding and one of a kind. I am a little biased, but I'm very, very serious here. Teaming up with her has been hands down one of the best investments I've ever made in growing my brand. I wanna welcome today, to the show, Selena Soo.Now after working in the non-profit world making around $42,000 a year, in New York City, which is hard in this city believe it or not. The most expensive city in the world! Selena decided in 2012 to go to business school and change gears, just go into a whole new career. And at first she was interested in PR, but realized that it just didn't give her the opportunity to do her favorite thing, which is to connect with people genuinely, without an agenda. So she decided to explore the idea of becoming a publicity and business coach, a service that she herself had paid for many times.Fast forward to today, she is a highly sought after business and publicity coach for visionary entrepreneurs, experts, and authors. And through her company, S2 Groupe, she helps her clients increase their visibility, build powerful relationships, and develop solid business strategies so they can reach the masses with their message. Selena writes for Forbes, Huffington Post, and Positively Positive.For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In today's episode of Ask Farnoosh, I answer your biggest questions about renovating vs building your dream home, how to pay for graduate school, the importance of having an internship and more. For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Today’s guest is Alan Moore, a Certified Financial Planner and the co-founder of XY Planning Network, a fee-only RIA and location independent financial planning firm. Alan co-created this company because him and his business partner felt that Gen X- and Gen Y-ers were being ignored by the bigger, traditional financial planning firms; so they wanted to fill this void with the creation of this company. He is also the President of Serenity Financial Consulting, LLC, located in Milwaukee, which specializes in providing financial planning advice and investment management services to individuals or families in order to achieve their financial goals on an as-needed or hourly basis.Alan has been recognized for his work by Investment News, naming him among the “40 Under 40” in financial planning and by Wealth Management as one of “The 10 to Watch in 2015.” He is frequently speaking on behalf of topics including technology, marketing as well as business coaching and his quotes have been included in articles in publications from The Wall Street Journal to Forbes to The New York Times and more.For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

When I set out to start this podcast, I wanted to create a show where successful people could share their stories and advice through an open conversation about money, and hopefully inspire the listeners that they can do it too. My guest today, Adrienne Dorison has that same goal in mind in her business. Adrienne has created a 10 session and a VIP Intensive program to create your “Rich Life,” which she defines as all about self-mastery to reach your highest potential, creating freedom, financial success and lasting fulfillment. In this program, you receive coaching sessions, online support, access to her mastermind group of entrepreneurs and much more.A little more about Adrienne…she paid off $45K of student debt in just 6 months, has had a career at a prestigious Fortune 500 company, and is an accomplished athlete – she has even won a long distance triathlon!For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Today I have the great pleasure and privilege of speaking with a fantastic award-winning journalist, Sharon Epperson. Sharon is currently a correspondent for CNBC covering the commodity markets and personal finance. She also appears on other NBC news shows like The Today Show and Nightly News, I'm sure you've seen her on television. She reports on a daily basis from the New York Mercantile Exchange where she covers the Energy Markets. She's won numerous awards include a Gracie Award for Outstanding Online Host for her financial advisor playbook video series on CNBC.com and the Trailblazer of the Year Award from the New York Association of Black Journalists. Sharon has a Bachelor's Degree in Sociology and Government from Harvard, and a Master's in International and Public Affairs from Columbia. So interesting that she ended up as a financial journalist and she talks about that journey, how she became the woman that she is today. What was the path that took her to CNBC? The opportunities that led her to financial journalism. You know she admits she was a little unsure of covering business news as a young reporter. We also discuss why Sharon is not worried about the fluctuations in the market place. This interview was recorded in late August when, as we know, the markets went on quite a rollercoaster. We had a tumultuous end to August and so what does Sharon make of all these heavy moves in the market, and what are her predictions as we go into the fall? The financial lessons she learned from launching her parents - that's another topic that we talk about with Sharon because she says, interestingly enough her parents did not really talk about money, but she still learned quite a bit from mom and dad and she shares that with us.For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Today’s guest considers herself a “global citizen” and documents her travels and fashion through a blog, a wildly successful YouTube channel and popular Instagram account (just shy of 1M followers popular...WOW!). Her name is Mimi Ikonn a co-founder of Luxy Hair and YouTube sensation.On her YouTube channel she documents tutorials from everything to her morning and nighttime routine to her favorite outfits to how to clean out your closet. Before becoming a successful entrepreneur she dropped out of the International Business Program at Seneca College in her second year to later become a Certified Image Consultant.For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In today's episode of Ask Farnoosh, I answer your biggest questions about moving back in with your parents to pay down debt, budgeting for annual vacations, how freelancers should plan for their taxes and more. For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In today's episode of Ask Farnoosh, I answer your biggest questions about inheriting your parents student loans, using your credit vs. your debit card, steps you should take if you plan on renting your home and more. For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Imagine being a millionaire and then losing most of your wealth in an instant. My guest today stared down the barrel of bankruptcy at as the head of a financial markets education company during the most recent financial crisis.Her name is Julie Ann Cairns and she’s here to today to share her riches to rags…back to riches story. She has a new book out this month called The Abundance Code: How to Bust the 7 Money Myths For A Rich Life Now…based largely on her own personal experience with the ups and downs of money, as well as the lessons learned from coaching clients.Julie Ann has more than 20 years of experience in analyzing global economic trends and the financial markets. She has a bachelor of economics with honors in econometrics from the Australian National University and a master of economics and finance.Julie founded Trading Pursuits Group, a financial market education company where she serves as the Managing Director.For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Today on the show we have, whom I think is a true leader in the financial education space. He is one of the first personal finance bloggers to really take the stage in a big way in the early 2000's before financial blogging was really a thing. Similar to J.D Roth who has been on the show, who is the founder of Get Rich Slowly, a very popular personal finance site. We have on the show today H. Luke Landes, or Luke. He's the founder of Consumerism Commentary, you may have heard of it, one of the first independent personal finance blogs. And on it, Luke held himself accountable for his own financial decisions. He had quite a journey to financial independence. The website became one of the most popular to provide basic financial guidance to, particularly young people, focusing on education, awareness, and decision making.Luke also had an accompanying podcast on which he's interviewed me several times and so I'm happy now to have him on my show and put him in the hot seat. Luke is also the founder of the Plutus Awards, a way to highlight independent financial publishers. I actually took home the Plutus Award last for Best Personal Finance Book when I published "When She Makes More". So I'm deeply grateful to Luke and to all those involved in the awards for that honor. And speaking of Plutus, Luke is also the founder, the new founder of Plutus Foundation, a community foundation with a mission to provide opportunities for the financial media community to support programs that enhance the financial capability and well-being of citizens of the world. What a mission!For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Today’s guest is a nationally known TV journalist as well as a critically acclaimed author and nationwide speaker. Elisabeth Leamy is most known for contributing to the Dr. Oz show and ABC News as a consumer advocate and money-saving expert. Elisabeth has been contributing to the Dr. Oz show since 2013 as an consumer and investigative correspondent. Prior to that, she spent 9 years working as a Consumer reporter for Good Morning America and other national ABC News programs. She still contributes to ABCNews.com where she writes a money column. She is also the author of two books including “Save Big: Cut Your Top 5 Costs and Save Thousands” and “The Savvy Consumer: How To Avoid Scams and Rip-Offs That Cost You Time and Money.” For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

If you’re looking to write a book and have it be successful, to help you build your brand and business, then you’ll love hearing from today’s guest! Rob Kosberg is joining me and he is a marketing and brand-building expert who specializes in helping his clients become “go to” experts in their respective fields. He’s also a best-selling author having wrote Life After Debt: Practical Solutions To Get Out of Debt, Build Wealth, And Radically Transform Your Finances Forever! His book address strategies and the mindset needed to overcome debt and live a debt-free lifestyle. The book has since translated into a podcast also called Life After Debt. For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Mrs. Frugalwoods is a self-described frugal weirdo, all the way from Boston. She's one of a couple that's set on living on an extremely small budget with the goal of retiring in their 30's. They're called The Frugalwoods and their blog is apply titled Frugalwoods.com. There they chronicle their journey. They live in Cambridge, also known as Frugal City, with their dog Frugal Hound who makes frequent appearances on the blog and the couple saves more than half of their income in the hopes of retiring to a homestead in rural Vermont one day. Their end game is to create a new fulfilling life for themselves close to nature and be able to garden and just live off the land. They've become so efficient at saving that they spent just $13,000 last year in the city of Boston. How is that possible? They're also expecting their first child and have just spent about $20 on the baby so far. Is that gonna keep up? How is this possible, right? Right now they are 30 and have just three years, they say, to go until retirement. In our conversation with Mrs. Frugalwoods, Mr. Frugalwoods was at work so we just got Mrs. Frugalwoods on the phone, but she has some amazing advice for all of us.For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In today's episode of Ask Farnoosh, I answer your biggest questions about the future of education, what to do when you and your spouse don't agree on your financial advisor, what to know when inheriting someone else's 401k and what to look for when buying a new house. For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In today's episode of Ask Farnoosh, I answer your biggest questions about the best way to self-publish a book, paying for grad school without going broke, what to do when you're in a high cost of living area and more.For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

We are rounding out So Money "Millennial" week!A “So Money” Millennial is someone who has proven to have accomplished a great deal in the their financial life in their 20s or early 30s. So often we hear about the struggles which are very real and sobering: the average college student graduates with around $35,000 in student loans, often lots more. It’s tough to find a job, save and sometimes you have to live with your parents. But today’s guest wrote in to me to say that she believes she is ahead of the curve. And I have to agree.We’re going to be speaking with Latrese Bookhard. She is twenty-six and currently serves in the military.She says, Farnoosh, "I’m debt free, have a net worth approaching $100,000 and I paid off $53,000 in student loan debt. I max my annual Thrift Savings Plan and Roth IRA contributions. I save well over 50% of my take home pay and consider myself an aspiring “Millionaire Next Door” and early retiree. I’ve always been frugal but I kicked everything into high gear when I found a Yahoo Finance article profiling Mr. Money Mustache two years ago. His blog has led me to many other blogs, books and podcasts and has helped me really change how I think about money."So let’s learn more about Latrese. How does she think about money and what lessons does she have to teach us all? <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Sophia Bera is in her early 30s and has already started her own company, GenY Planning, which delivers comprehensive financial planning to people in their 20s and 30s across the country.Most financial planners require an asset minimum of $1 million, making it an unattainable resource for most people, particularly millennials seeking advice with how to start building their finances. With Gen Y Planning, Sophia, a certified financial planner, is determined to shake up the financial planning industry, and work with clients today so that they can reach $1,000,000 in the future.But interestingly Sophia actually never planned to be in finance. She was actually a Theater Performance and Women’s Studies major in college at Minnesota State University-Mankato. While in college, she set the impressive goal for herself of buying a house after graduation, and she became obsessed. She spent her time between classes at Barnes and Noble reading everything she could about money, personal finance, real estate and building wealth. And at the ripe age of 21 when she graduated, she bought a house.Seeing her success, her friends began to ask her for advice, which lead her to becoming a CFP and eventually starting Gen Y Planning.For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

My guest today is a woman with similar drive and ambition to the So Money Millennials you've already heard from earlier this week. Today's guest is Raya Schwartz, and she is just 25 and has already opened up her own waxing boutique in Tampa, FL!She became an esthetician at 18 in New Mexico, and when she turned 20 got a job at a waxing salon. She made a good salary of over $60k per year, but was unhappy with the way the owners treated the employees. So, she decided go out on her own and start a small spray tan business. In her first year she was able to match her salary from her previous salon!She then moved to Tampa and opened the successful Flirt Wax Bar. Her goal is to be financially and physically free to travel and spend time with her family – and she is well on her way.For more information, visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

My So Money Millennial today wasn’t a top student or star athlete, but Kristina Ellis, 28, managed to earn half a million dollars in college scholarships by the time she graduated high school in 2005. . The most recent graduating class finished college with an average $35,000 in student loans – the highest on record. And of course we’ve heard of students saddled with six figures in student loans. It’s a crisis.For Kristina, after her mother sat her down in the 9th grade and told her she wouldn’t be able to financially support her daughter once she graduated high school, she became empowered to find a way to afford her own future without skipping college or going into massive debt.Instead, she immediately began researching the best ways to qualify for top scholarships. She spearheaded community service missions, coached and grew her gymnastics team and even managed to get crowned Miss Indiana Teen USA. From there Kristina cast a very wide application net and managed to earn $500,000 spread across 20 scholarships, including the Coca-Cola and Gates Millennium Scholar awards.Kristina now shares her strategies to help others win scholarships and graduate from college debt-free in her book, Confessions of a Scholarship Winner, which has ranked in the Top 20 among all books on Barnes and Noble and in the Top 40 on all of Amazon, as well as topping the charts in Amazon's College & University category.For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

When you think of retiring early…you might think 55..50…Mr. Money Mustache retired when he was 30 – which WAS the youngest age I’d heard of retiring at…until I got an email from my guest today Travis Hornsby. He is 25 years old and claims that he is retired! My first reaction was – WHAT? And then I laughed…and then I thought I really need to talk to him.A little more about Travis: Up until this year he was working as a bond trader at Vanguard. He had passed the CFA exams, and was on track to become a Portfolio Manager, but he realized that he wasn't fulfilled…reminds me of a tony robbins saying that success without fulfillment is FAILURE. Travis had always been a big saver since college, so he decided to take the plunge and start saving two-thirds of his income and live like a pauper with the goal to retire at 25, which he has just achieved. As of right now he is enjoying his retirement by traveling the world. He’s already been all over Europe, and plans to travel to South America and Asia next. Today he’s coming to us all the way from Poland!He has started the website millennialmoola.com to share his advice and help others save and live more. He also has a brand new book called 25 IS THE NEW 65, where he shares his story of how he retired early and shows other millennials how they can do it too. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In this episode of Ask Farnoosh on So Money podcast, I answer your questions about how to go about firing your financial advisor, online resources to check your resume, the best ways to calculate how much you're saving, and more. For more information visit www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In this episode of Ask Farnoosh I answer your biggest questions about renegotiating a job offer, the best financial resources for a So Money fan that's looking for intermediate level literature, what other types of savings accounts you can use if you're planning to retire before 55, how to save for a downpayment on a house, how to grow a business while facing some debt, playing catchup with retirement savings and more. For more information check out www.somoneypodcast.com. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Rebecca Jarvis is the ABC news chief business and economics correspondent and creator, host and managing editor of “Real Biz with Rebecca Jarvis.” She reports for all ABC news programs and platforms… and conducted wide ranging interviews with the biggest names in business, including General Motors’ CEO Mary Barra, mega investor Warren Buffett, Facebook’s COO Sheryl Sandberg and Twitter founder Jack Dorsey. Rebecca and I first met about six years ago at CBS News. And she’s one of the hardest working people in the industry.In the following interview I put her on the spot and asked her about something she failed to put in her bio… tsk-tsk. Rebecca’s got some fantastic insights to share about her financial journey and the lessons learned as a kid growing up in the Midwest…the big money mistake she made and the impact it had on not only her finances, but her parents’ finances, as well…and how she turned a 6-month trial job into a major 3 year contract.For more information visit www.somoneypodcast.com <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

So Money singletons, this episode’s for you. If you’re looking for love and you like technology…our guest today is marrying the two with his new dating app called Hinge. You might have heard of it. I have to be honest, I’m really behind the times when it comes to matchmaking apps. When I was dating years ago, there was Match.com and it was still a little weird to say you met your boyfriend or wife ONLINE. People would make up all sorts of lies…and say “oh and we met at Barnes and Nobles or at a party…when really, you met at 2am online in your pajamas courtesy of match.com.Now the online dating industry is an estimated 2 billion dollar market with popular matchmaking apps like Tinder, Coffee Meets Bagels, Bumble, The League…and a relative new player in the field – Hinge. Our guest today is the founder and CEO of Hinge Justin Mcleod.Hinge is a relationship app that helps people meet through friends. Unlike apps that show you random people in your area, Hinge shows only people in your social circles. Basically think of Hinge as a good friend who’s trying to set you up with all of their single friends and over time, they start to prioritize matches based on your preferences and tastes.A graduate of Colgate University, Justin took a job in management consulting and then went on to attend Harvard Business School. He always has had a real passion for connecting people and decided to follow it years later when he founded Hinge in February 2011. Shortly thereafter in February 2013, the app was launched and the rest is history.According to an article released this year, Hinge has made over 8 million matches by late October of last year and boasts 35,500 dates per week and 1,500 relationships happen due to the app. Hinge is currently live in dozens of cities including London, Toronto, Sydney and Mumbai. Just last year the app’s active user base grew 5x! <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Today I’m sharing a real rags to riches story. Several years ago my guest J. Massey encountered a series of life-altering events – his pregnant wife had a serious illness, he was in an accident that left him with a punctured lung that prevented him from being able to work, and their family home was foreclosed upon. J. quickly realized that he needed to make changes to be able to survive. So he immersed himself into intensive real estate investor training.He has since become a very, very successful real estate investor and has amassed an impressive portfolio of over 300 units of residential and commercial properties as well as private notes and mortgages.Today, in addition to his extensive real estate work, J. runs a training series that is available for others to learn how to turn their financial lives around, gives speeches and has authored the book Cash Flow Diary: 10 Steps to Creating Wealth in Any Economy. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Kids grow fast, which means a whole new set of clothes every few months, which means constantly having to spend money on items your kids will use and then outgrow before you can blink an eye. So how can you keep your kids clothed without throwing money out the window? Thankfully, my guest today, Shannon Wilburn, has an answer: consignment sales.It started in 1997, when Shannon and her friend, both young moms in Tulsa, OK, had the idea to hold a small kids clothes sale in Shannon’s living room with 17 consigners. They sold $2000 in merchandise and each walked away with $150. From there the business, which they named Just Between Friends, grew, and within a few years they were holding multiple day sales in an expo-center in Tulsa and helping other moms start their own sales. In 2004, Shannon franchised the company and now Just Between Friends sales are held all over the country. Some of them even gross over a million dollars each! <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In my Ask Farnoosh episodes I received a number of questions from you about financial advisors. How do I know I’m ready to work with one? How much do they cost? Is it worth it?I also receive a number of questions about the growing market of “robo advisers” or online advisors that offer more affordable financial planning. You don’t get to meet with an advisor one-on-one but you receive a virtual plan that addresses your goals…And many people are participating. ..Still many are not sure if this is right for them.That’s why I’ve invited today’s guest…co-founder and CEO of Betterment, Jon Stein. Betterment launched in 2008 and is, as the company says, “a smarter automated investing service that provides optimized investment returns for individual, IRA, Roth IRA & rollover 401(k) accounts… Through diversification, automated rebalancing, better behavior, and lower fees, Betterment customers can expect 4.30% higher returns than a typical DIY investor.” The company also practices automation and passive investing. It’s free to sign up and as your account balance grows, so does your monthly fee…But it is significantly cheaper than a traditional account fee.Back to Jon, he comes from a background in financial services…and is a graduate of Harvard University and the Columbia Business School. In addition to holding Series 7, 24 and 63, he is a CFA charterholder. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In today's episode of Ask Farnoosh, I answers your biggest questions about breaking down credit scores, prioritizing your expenses, helping family members with finances and saving to buy a house. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In today's episode of Ask Farnoosh, I answer your biggest questions about quitting your job, AmEx returns, starting investing, budgeting for young couples, my favorite guest financial habits and diversifying your investments. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

I have a guilty pleasure. And that guilty pleasure is an entire channel… known as Bravo. From the Real Housewives of Beverly Hilss to Watch What Happens Live with Andy Cohen. And today, we have one of my favorite Bravolebrities: Millionaire Matchmaker Patti Stanger. She is the star and executive producer of the network’s hit series “The Millionaire Matchmaker” currently in its eighth season. If you’ve never watched the show Patti connects high net worth clients with women seeking love. The idea being that busy successful men don’t have time or the wherewithal to really make a meaningful connection on their own… And she flips it sometimes, too. I’ve watched her match millionaire women with men... and she’s also connecting same sex couples too, which is wonderful.What I admire most about Patti is her business savvy. She’s an experienced third-generation matchmaker. She founded her company, the Millionaire’s Club, in January 2000 and 15 years later it boasts more than 100,000 members available for its clients. Prior to launching this business Patti served as the Director of Marketing for Great Expectations, one of the oldest dating services in the United States. Early in her career, she spent 10 years in the fashion industry.Patti is also an accomplished author, columnist, radio show host and recently getting into the wine and spirits industry. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Imagine earning six figures…but being broke. Earning over $100,000…but facing the same amount in credit card debt.This is where the story of Brian Brandow begins. When trying to book a family vacation back in 2010, Brian says he hit a wall. All of his five credit cards were maxed out and he had no available cash. At the time he was making a great salary of $120,000 as an IT manager – more than enough to afford a vacation – and he quickly realized he and his wife needed to make a change. They were living far beyond their means, and had accumulated a whopping $109,000 in debt.So Brian and his wife set out to take control of their finances and their journey t tp financial freedom began. Brian educated himself on personal finance, his wife went back to work to bring in extra income, and they were able to clear the debt in just over 50 months or 4 years. Without having to worry about paying off debt, they now are able to contribute to an emergency fund, retirement savings and college funds for their three kids.Today, Brian’s goal is to help others in similar situations through his blog Debt Discipline, and personal coaching sessions, where he teaches budgeting and getting on the right financial track. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

A few weeks ago, my friend Kathy Braddock, the managing director of real estate company William Raveis, joined me for an interview. She had some great advice and insights on real estate and growing a successful business. Today, I am continuing that conversation with the founder of William Raveis, Mr. Bill Raveis himself.Bill founded William Raveis in one room over a grocery story in Fairfield, CT in 1974. He borrowed $2,000 to launch his firm – a firm which last year sold more than $8 billion worth of real estate. It is now the largest family-owned real estate company in the northeast with over 100 offices.Bill was the 1988 recipient of the Ernst & Young Entrepreneur of the Year Award, among many others for his achievements in business. He also gives speeches across the country and has been published in numerous financial and real estate publications including Forbes Magazine and Real Estate Today. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Today’s guest proves that some people can transform a quirky hobby into a profitable business.Joe Brewer reached out to me with his story a few weeks ago. His quirky hobby is arcade and pinball repairs and restoration. Salvaging an old, abadoned Ms. Pac Man arcade machine turned into a hobby of restoring vintage arcade and pinball machines which were found through Craigslist, online forums, or simply word of mouth.Joe has such a passion for this that he even has a full-blown arcade – Brewer's Arcade, it’s called - in his home that you can actually visit. It’s open to the public a couple times per year.To date, he’s made a profit flipping games that he has restored and then sold and makes extra income running a YouTube channel, Brewers Arcade, which specializes in left handed guitars and you guessed it, arcade games!A little financial background on Joe - He and his wife live an anti-debt and fairly frugal lifestyle – their only debt is a mortgage where they make extra payments when possible. They both live within 2 miles of their jobs and save money by either walking or biking to work. Joe was even able to start a program at his office that pays employees a small stipend to take alternative transportation to work.Joe and his wife’s lifestyle are an example of how you can find unique ways to make extra cash to pay down debt and hopefully, retire at an early age. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Today I have the great honor of welcoming on the show my friend and design guru Nate Berkus. I've wanted to interview him since launching, but he’s had quite a busy year including celebrating the 20th anniversary of his design firm, and even more excitingly, becoming a father. He and husband Jeremiah are now the proud dads to Poppy Brent Berkus. Some background on Nate: In 2002 Nate was invited to make over a small space for “The Oprah Winfrey Show," after which he became a featured design expert for the show and continued to garner national press in publications such as Elle Decor, Architectural Digest, House Beautiful, Us Weekly, People, O Magazine, Lucky and InStyle, among others. Following the debut of his branded line of home products, Nate’s first book, "Home Rules" (Hyperion) was released in 2005 and went on to become a New York Times bestseller. “The Nate Berkus Show,” a daily syndicated first-run talk show hosted by Nate, launched in September 2010 and returned for a second season in the fall of 2011. I had the privilege of being a guest expert on the show and working with Nate to help families save money. In 2011, Nate also enjoyed a new role as executive producer on the Disney and DreamWorks film “The Help.” Nate’s design firm, Nate Berkus Associates, which he founded in 1995, continues to design interiors across the country and around the world. In fall 2012 Nate brought his branded line of home goods and accessories to Target stores nationwide. In addition, he published his second book, “The Things That Matter” (Spiegel & Grau). His fabric collection, which is sold at Calico Corners, launched in January 2013. It is also available at Fabricut and launched at Jo-Ann Fabric and Craft Stores in August 2014. Nate was host, judge and executive producer of NBC’s “American Dream Builders” which aired in spring 2014. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In today's episode of Ask Farnoosh, I answer your biggest questions about selling collectibles, pre-tax and post-tax money decisions, finding side-hustles, multiple savings accounts and what to do with inheritance. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In today's episode of Ask Farnoosh, I answer your biggest questions about paying off medical bills, starting a 529 plan, building your online brand and buying vs. leasing a car. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

We are rounding out our series today with a Penn State grad, a fellow Penn State grad. I didn't know he was a Penn State grad until after we booked him, but very excited to introduce all of you to Jeff Johnson. He is a millionaire next-door at the ripe age of 37. He and his wife, Amanda follow disciplined, pragmatic and balanced financial behaviors, and they've acquired a net worth of more than a million dollars. They simply live a rather modest lifestyle in a two-bedroom townhouse in New Jersey, they enjoy the simple life experiences with their family and friends. Jeff and Amanda met while they were at Penn State University, similar to my husband and I. After graduating, they had a five-year long distance relationship. Amanda actually completed her doctorate of Clinical Psychology during that time frame and during the relationship while they were long distance, they had become each accustomed to certain conservative spending habits that they now continue to follow during their marriage. It's really nice to find your financial soulmate. That's Jeff and Amanda. Since getting married nine years ago, they've been able to successfully eliminate all their debt including car loan and student loans. They do still have a modest mortgage and as I said in the process, they have earned themselves over a million dollars. They reached that at age 34. They are 37 now. Jeff currently works at a pharmaceutical company, Amanda worked as a staff psychologist at a local college before taking a leave of absence to raise their 2-year-old son. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Welcome to the fourth episode of Millionaires Next Door! Today I’m chatting with Julie Rains, a freelance writer specializing in investing and mortgages from North Carolina! She has a finance degree from UNC Chapel Hill and has had experience working in financial analysis and accounting for Fortune 500 corporations, as well as personal experience in stock investing and paying off a mortgage.She shares her financial advice based on her own experiences and expertise on her blog Investing to Thrive, and she’s joining to today to tell us how she and her husband became millionaires. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Welcome back to So Money. I'm your host Farnoosh Torabi. Thanks for joining me. Doing something special this week. If you've been listening since Monday, you know it is millionaire's next door week. Dedicating the week to people across the country, in some cases across the globe, who are millionaires and you wouldn't really know it. They're frugal, they save their money wisely, they don't buy material things necessarily, they have sacred financial philosophies and we're gonna learn all about it this week. So inspired to introduce today's couple, we have a couple on So Money today. Jeremy Jacobson and Winnie Tseng. They run the personal finance blog Gocurrycracker.com. They are two normal people from lower income families, chasing the American dream, until they realized, you know what? The chase wasn't making them so happy. They sold their house, they sold their car, and started saving 70%, or more than 70% of their combined income. And in a short 10 years, while still in their 30's, they became financially independent and said "buh-bye" to the working world to then start a family and travel the world. Three years now into a hopefully 60 plus year journey, they're living their own nomadic dream with their newborn son, Julian. The two have now multiple millions of dollars, they keep that money pretty much invested in index funds, they tell me. And they're living off about $4,000 a month and they are soon about to embark on their world wide journey. First stop, Mexico! Lots to learn from this couple, our millionaires next door. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>