Budgeting

Build Your Best Credit Score in 2019 with Marsha Barnes

Your credit score has power and that three-digit number has a dramatic impact on your financial future. If you do nothing else this year, grab your credit score the tail and yank it up to 700+ (preferably over 740). You don’t have to go all crazy trying for an 850 score – but don’t get lazy. Even if you have a good score, it could drop tomorrow by one silly mishap.

Marsha Barnes from The Finance Bar will share her best tips to get your score in check for the new year.

What You’ll Learn

  • Why your credit score is a powerful piece of your financial future
  • How to create a better financial brand for yourself
  • Which credit scoring models do you need to care about
  • What action steps you should take this year to raise your score
  • How your score impacts your job and where you live
  • Why Marsha is so passionate about financial literacy

Links

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Best of: Crockpot Your Savings

We’re featuring another Best Of episode from last year that was a listener favorite.

All personal finance experts can agree on one thing – starting to save early will almost always help you reach your lifestyle goals quicker and with more ease than those who wait longer. When you think about your savings there are two ways you can save – the crockpot style or the microwave style.

Inspired by a recent industry article in Financial Planning Magazine, thinking about a crockpot for your savings strategy makes pretty good sense. With any crockpot recipe, the idea is simple. You gather all your ingredients ahead of time, throw them into the crockpot, turn it on low and slow for  6-8 hours, and then you have an almost always perfect meal sure to wow anyone.

What You’ll Learn

  • We’ll chat about the crockpot method of savings
  • Why a crockpot method might make more sense than microwaving your savings
  • Focus on saving little by little over time with consistency so whenever you reach the age you would like to quit working, you’re investments and savings have spent some time “cooking together.”
  • Let’s talk about what you can and can’t control with your savings
  • Some guidelines to always keep in mind with savings

Links Mentioned:

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Best of: Budget for Your Life, Not Your Bank Account

On this special Christmas episode, we’re featuring a Best Of episode that was a listener favorite. It takes some work to spend $2 million a month like Johnny Depp has been the last few years. I mean, come on, that does take some work to do that (but I’d love the chance to try, right). You don’t need to have Johnny Depp’s bank account though to let yourself get carried away with your budget and spending.

What is it that you’re playing for? You see, even Johnny Depp’s financial advisors started to waive some caution flags in front of him when his spending got carried away. When this happens, it’s time to dial in and budget for your life, not your bank account.

What You’ll Learn

  • We’ll chat about the ridiculousness of Johnny Depp’s spending and what you can learn from it
  • How you can visualize your own spending in a way that makes sense and keeps you motivated
  • Where do you begin to set some boundaries around spending or even your goals
  • What are you playing for – this is the million dollar question

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Political Threats and Your Bank Account with Mark Hamrick + Ask Shannah

When I got out of college, I didn’t really care what went on in Washington and the government. It just sort of happened behind the scenes of my life. But now I care because I see how policies and government decisions can have an impact – good or bad- on my bank account and yet, it’s so hard to decipher what is good and not good watching the news and getting the highlights. So, I went straight to Mark Hamrick, Bankrate’s senior economic analyst, to ask him how the political environment will impact you and me and what we need to know to be prepared.

What You’ll Learn

  • Why what happens in Washington with the government matters when it comes to our finances
  • What are some of the political and economic threats against your money for the new year
  • Is the government really doing anything to help student loan debt
  • What economic indicators you should pay attention to
  • How the rising interest rates impact your goals and your finances
  • How can you protect your finances against whichever party is in office

Links

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Budgeting When the Numbers Don’t Make Sense + Ask Shannah

Budgeting and managing your money is hard enough when you have a steady paycheck each month and a laundry list of goals you want to achieve. When you throw in inconsistent income, budgeting becomes even harder. Just like you, I’ve had so many months as an entrepreneur when the numbers don’t add up. I’ve learned a few tricks along the way that I want to share with you.

What You’ll Learn

  • How I learned to budget when running a non-profit business in college
  • What steps you can take to set up your budget to plan for inconsistent income
  • What steps you can take when you’re in the middle of a month or stretch of inconsistent income
  • The most valuable lessons I’ve learned as a lifelong entrepreneur to make my budget work
  • Why you can’t get past knowing your numbers – and why they are the key to your success
  • How I got past the “I deserve it” syndrome to find balance every month

Links

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Is Now the Right Time to Buy a House with Gerry Burchard

Maybe you’re wondering when the right time to buy a house is or why you should even consider buying a house. The good news is that you’re not alone and we all have those questions and doubts.

Last week we talked to Cari from Unison about powerful ways to afford to buy a home without saving 20% down payment, and in this episode, we’ve got a fantastic interview with Gerry Burchard who is both a real estate agent and a customer of Unison. You’re going to love this episode whether you own a house or buying one is on your to-do list for the future.

 

What You’ll Learn

  • Is now (or ever) the right time to buy a house
  • What are some homebuying trends that millennials need to be aware of
  • Why would you buy vs. rent a house
  • How powerful the concept of leverage is with your money (aka, what could you be doing better with your money)
  • Some of the biggest myths working a real estate agent and how do you find one
  • How Unison helped Gerry maximize his home purchase

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How to Buy a House Without Saving a 20% Down Payment With Cari Jacobs from Unison

Maybe you have student loan debt or your career hasn’t reached it’s full earning potential yet, all of these potentially negative things don’t discount you from being able to come up with a healthy down payment to buy your first house (and I’m not talking about robbing a bank either).

Today’s podcast guest, Cari Jacobs, the CMO of a company called Unison is joining us to share this new concept of co-investing with homeownership and why technology is helping you fund that elusive 20% down payment. So I wanted to know from Cari how is it possible to buy a home when you have less than 20% saved for your down payment.

What I Ask:

  •  Is owning a home a reality if you’re still balancing debt and getting set up in your career?
  • How is technology advancing the process of home buying and making it easier for millennials?
  • Tell me about the history of Unison – how did the company and concept come about and what is the audience you’re trying to serve?
  • If I wanted to purchase a $500,000 home for example, how would I work with Unison for my down payment?
  • Are there any potential downsides?
  • If you could leave the listeners with one tip about reaching their home buying goal, what would it be?

What You’ll Learn

  • How to balance debt you are paying off with the desire to buy a home
  • All about the new concept of co-investing and how you can benefit
  • Why the millennial generation is so different when it comes to home buying
  • How you can use someone else’s money to leverage your down payment
  • Is now the right time to buy (or is there ever a right time to buy)
  • How powerful the consumer home buying market is to our overall economy

Links

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Also, podcast reviews are super important to iTunes and the more reviews we have, the more we can spread the Millennial Money message (those iTunes algorithms are crazy). I’d be honored if you left a review and let me know what you love about the podcast.

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Master Your Mindset and Make Money Doing What You Love with Natalie Bacon

In case you didn’t know already, you have the power to change the trajectory of your life. Maybe you woke up today and you weren’t happy with your career or the great business idea you started isn’t reaching its potential, or maybe you’re frustrated with a decision you made with your money and you don’t know how to fix it. The good news is you can make a conscious decision to change – right now.

Natalie Bacon is sharing her story of the power of your mindset and whey she walked away from two lucrative careers to chase after her entrepreneurial dreams and design her own dream life.

Questions I Ask

  • It’s totally cliché – is the advice follow your passion and money good advice?
  •  What was it like to walk away from those established careers to forge your own path?
  • What’s been your experience with money and your mindset?
  •  What should entrepreneurs focus on to turn an idea into profit?
  •  Has anything surprised you thus far in your podcasting journey?
  • If you could give listeners one takeaway to help them design their own dream life, what would it be?

What You’ll Learn

  • How your mindset impacts your career and happiness
  • Why setting goals are at the cornerstone of achieving financial success
  • What steps you can take today to design your dream life
  • How Natalie had the courage to walk away from two lucrative careers to become a full-time entrepreneur

Links

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Also, podcast reviews are super important to iTunes and the more reviews we have, the more we can spread the Millennial Money message (those iTunes algorithms are crazy). I’d be honored if you left a review and let me know what you love about the podcast.

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Sunday Seven Email Club

Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats and a whole lotta’ fun!

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You Don’t have to be Stan Lee to be a Superhero + Ask Shannah

The myth, the man, the legend…Stan Lee the comic book genius recently passed away and he meant a lot to so many people. Stan was my friend and someone who I admire greatly. The last few years of Stan’s life brought his own super story – one filled with the tangled web of betrayal, lost fortune, and a constant reminder that you need to own your bank account no matter how famous you might be.

What You’ll Learn

  • Some of the most impactful lessons I learned from being a friend of Stan Lee for over 20 years
  • Why you always need to know what is coming in and going out of your bank account
  • How you can infuse more creativity and joy into your life
  • A simple exercise to document fear, worry, sadness, anger, and joy that will save you thousands of dollars on therapy (and it’s super helpful)
  • How to tackle important estate planning documents now and what you need
  • The power of your gut when it comes to working with other financial professionals
  • Why I loved Stan Lee so much

Links

SUBSCRIBE & REVIEW

Want to be the first to know when new episodes are released? Click here to subscribe in iTunes!

Also, podcast reviews are super important to iTunes and the more reviews we have, the more we can spread the Millennial Money message (those iTunes algorithms are crazy). I’d be honored if you left a review and let me know what you love about the podcast.

Ask Shannah

Have an Ask Shannah question, submit it here

Sunday Seven Email Club

Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treat, and a whole lotta’ fun!

Get Social

Millennial Money Friendsgiving with Katherine Spiers

Have you ever wondered why we eat turkey, mashed potatoes, gravy and our favorite veggie dish for Thanksgiving? The Thanksgiving meal has evolved so much since the early 1900’s and become the holiday we associate with eating until we can’t eat anymore. In this Friendsgiving episode, I sat down with the amazing Katherine Spiers, host of the Smart Mouth Podcast, to find out the history behind the Thanksgiving meal.

What You’ll Learn

  • How the Thanksgiving meal has evolved over time
  • Hear the fascinating story behind the year of two Thanksgivings
  • Uncover some regional differences in Thanksgiving
  • Why food has become a powerful mediator to tackling tough conversations
  • What are some of the latest Thanksgiving trends
  • How to make the most out of your Thanksgiving on any budget + host an amazing Thanksgiving party
  • Finally, how to embrace where you’re at this Thanksgiving no matter how much money is in your bank account or what goals you’ve achieved

Links

SUBSCRIBE & REVIEW

Want to be the first to know when new episodes are released? Click here to subscribe in iTunes!

Also, podcast reviews are super important to iTunes and the more reviews we have, the more we can spread the Millennial Money message (those iTunes algorithms are crazy). I’d be honored if you left a review and let me know what you love about the podcast.

Ask Shannah

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