Millennial Money Conversation With Artist-Producer HISH

Emerging Artist-Producer HISH is one of the vanguard DJ’s pushing the boundaries of music, blending country and electronic dance music with his debut single, “Broken Heart Rehab.”

After working as a DJ and a songwriter in Nashville for a few years, HISH came across the idea to mashup “Started from the Bottom” by Drake and Brantley Gilbert’s “Bottoms Up,” which made a huge impact in the club scene.

So much so, HISH got a call from Gilbert himself on a Monday to join his national arena tour two days later. Now HISH is playing huge festivals like Stage Coach in California and Country Thunder in Wisconsin.

On This Podcast Episode:

Check out our conversation with this rising-star HISH, as he talks about his new single, “Broken Heart Rehab,” the inspiration of Eric Church, and his first DJ gig many years ago at his Grandparents anniversary party.

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The Starbucks Effect on Your Money

What does Starbucks coffee and your money have in common? It's all about your thinking when it comes to money. What little things are stopping you from reaching your goals?

It’s simple advice: cut out Starbucks and you’ll hit your money goals. Well, that’s not always true…but I argue there is a Starbucks effect on your money.

A recent article by ValuePenguin was published that details the price of a Starbucks cup of coffee around the world. Interesting, the United States has the lowest cup of coffee at $2.79. Let’s look at that in more detail. If you have a cup of coffee a day that equates to around $1015 a year.

While the concept of smart money isn’t to give up everything you love to do in exchange for being financially stable, the Starbucks effect actually has more to do with your frame of mind around money more than anything.

There are so many little expenses that we pay each day, each week, each month that we don’t think twice about. They don’t seem to have a big impact but add them together and they can be the cause of delayed money and life goals.

On This Podcast Episode:

  • What do Starbucks coffee and money goals have in common
  • How to spot Starbucks style expenses in your bank account
  • Why changing your frame of mind might change your money situation
  • Why not, check out how much Starbucks costs around the world

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media.

Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!

Disclosure:

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) and financial strategies may be appropriate for you, consult your financial adviser prior to investing. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes.

Cruising Around the World

Cruises aren't just your run of the mill booze cruise anymore. Here are some fun and affordable (with a few splurges) cruises to take.In full disclosure, we have not always been the biggest fans of taking a cruise. We are more the type to wander and explore on our own. However, lately, we have been coming across more cruise ships and cruise experiences that are literally changing how we all look at taking a cruise.

Summer is right around the corner, so we are diving into the deep waters of the modern world of the cruise ship 2.0 and exploring how these modern wonders are creating a whole new way to experience travel. Cruising can be way more than a drunk fest aboard a giant ship where you might pick up some strange disease just from boarding the boat.

Not to mention, there are some good bargains to be had…but some cruises are also well worth the splurge.

On This Podcast Episode:

Join as we talk about cruising around the world. From French Polynesia to the Amazon River, to the jungles of Vietnam, and the South Pole, cruise ships are getting us closer and closer to experience other cultures, new scenery, and of course wild adventures; all the while, pampering us with the life of luxury.

We’ve now changed our minds about cruise ships and are looking forward to exploring many of these cruises that we’re featuring.

Links Mentioned:

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media.

Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!

Are You Awake

Are you awake financially or are you waiting for everything to be perfect before you start achieving your goals?Are you awake? Well, of course, you are if you’re reading this, but I mean are you really fully awake and living life – reaching for your dreams – or are you waiting until it all looks perfect?

This week I posted a picture on Instagram where I gave readers permission to live the 80/20  rule with their tax refund. It got a lot of comments and a couple of people even said they had never thought about their tax refund this way.

We should all talk about our finances this way. 80% of the time do what you should with your money. Pay off debt, save money, invest, etc. The other 20% of the time, give yourself permission to not do it so perfectly. Spend some money on something frivolous and fun just because and don’t feel guilty about it.

On This Podcast Episode:

I find that so many of us aren’t living wide awake with our finances. We’re waiting until it’s all perfect before we try to reach our goals. I’m here to tell you that is not living wide awake. Figure out what your 80% needs to be – what you need to commit to in order to achieve your life goals and then give yourself permission (20% worth) to do something fun in life that maybe doesn’t make the most financial sense, but makes the most life sense.

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media.

Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!

Disclosure:

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) and financial strategies may be appropriate for you, consult your financial adviser prior to investing. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes.

Don’t Treat Your 401k Like a Piggybank

It might look tempting to borrow money for your 401k, but here are a few reasons why you might want to think twice. It might look like a good option to you – take some money out of your 401k to pay off debt or to take that vacation you’ve been dreaming of. However, there are many factors to consider when you’re thinking about using your 401k as a piggy bank.

The beauty of saving money in a 401k is that you have a tax-advantaged account (meaning, you are likely to not pay any tax on your contributions if you keep the money in your account until 591/2) and over time, your money will be compounding. If your employer is matching any of your contributions, it becomes easier to build up your 401k balance.

If you’re thinking about taking a loan from your 410k, there are some factors that you need to consider first like the interest rate you will be paying, how long you plan to stay at your job and whether they payments will fit nicely in your current budget.

On This Podcast Episode:

  • Listen to the reasons why your 401k shouldn’t be used as a piggy bank
  • Learn about the information you need to know before you take a loan
  • How to create a plan to pay off your 401k loan
  • Why you might want to look elsewhere for cash

Links Mentioned:

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media.

Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!

What Is Your Financial Wellness Score – Meghan Murphy, Fidelity Investments

Do you know how financially well you are? Being smart with your money is about more than just dollars and cents.What is your financial wellness score? We all know how important it is to eat right and exercise daily if we want to stay in shape, however, do you know what it takes to be financially well?

My guess is you don’t spend a ton of time thinking about this concept. Making smart money moves is not just about checking off to-do items on a giant list of things. It’s about the whole picture – where you’re at right now, where you want to go, what your thoughts are on risk tolerance and investing, how much you’re saving, what kind of debt you have, and how you think, act and feel about your money.

I had a chance to chat with Meghan Murphy, Director of Thought Leadership at Fidelity Investments. Meghan spends her days doing extensive research to uncover trends in financial wellness. She’s also helped develop some cool tools that can help you discover your financial wellness score and a great calculator to help you pay off your student loans more efficiently.

On This Podcast Episode:

  • Learn why Meghan spends her days working on financial wellness
  • Discover why being financially well can benefit you
  • Hear about the tools Fidelity is developing to help you become more financially well

Links Mentioned:

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media.

Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!

Tiny House Adventure – Jenna Spesard

Jenna decided to give up her hectic life and begin her tiny house adventure. Discover how she reinvented her life and how you can embrace the same goal of living life on your own terms.Even though blogger and writer Jenna Spesard lives in a tiny house, she is on a big journey, creating and living the life she always dreamed about.

A few years ago, Jenna quit her job in Hollywood, built a tiny house, hit the road and now travels around the world. Jenna writes about her adventures, her life, and gives tiny house expert advice in her hit blog, “Tiny House Giant Journey.

A few weeks ago, we met Jenna in Oregon where she has parked her small home and is now the host of the Mt. Hood Tiny House Village. We chatted with Jenna about her life-altering decision a few years ago that changed her life, how she has been able to pay off most of her debt, and her goal of living simply and traveling the world.

Click here to see the video and show notes from this episode.

On This Podcast Episode:

  • Meet Jenna and hear about journey to live life differently
  • Learn why living tiny is the new way of life
  • Discover ways you can embrace the tiny house life
  • Why Mt. Hood is home to Jenna’s tiny house adventure

 

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media.

Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!

Tips to Travel Smarter, Easier & Cheaper

We're compiling a list of our top tips to travel smarter, easier and cheaper this year.We are always asked, “how do you manage to travel smarter, easier and cheaper?” We always take for granted the tips and strategies we use that are just second nature to us. So, we have decided to compile a list of travel tips and hacks that will help you travel better and smarter the next time you hit the road on your next adventure.

Every time we travel, we are usually taking notes on travel trends, what’s cool in our hotel, and even how to stay safe in this crazy world. Even before we leave on a jet plane, we’re always on the lookout for ways of saving some cash along the way.

There’s always a lot of research that goes into our travel planning – something that I enjoy and don’t even consider work. We’re pulling back the curtain and sharing with you a few of our tried and true tips to travel better this year.

On This Podcast Episode:

On this episode, we’ll share our tips to travel smarter, easier and cheaper as well as tackle the whole United Airlines recent debacle, show you which credit card you need to be using right now to travel, and how to find free beer at your hotel. Plus, a host of other tips, including some of your favorite sites to look for travel deals and steals.

Links Mentioned:

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media.

Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!

3 Reasons I’m a Big Fan of Credit Cards

I'm a big fan of credit cards because if you use them right, you can score all sorts of points that equal real dollars in your pocket. Find out the three reasons why I love credit cards and how you can use them for all the benefits without the negatives.There I said it. I’m a big fan of credit cards for three main reasons: cash back, airline tickets and gift certificates. In my world, credit cards equal powerful rewards that are worth real money in your pocket that can be used towards all sorts of money goals.

The sad news is that only 31% of credit cardholders have never redeemed their credit card rewards, according to a new Bankrate.com report. Cardholders typically gravitate to one extreme or the other, redeeming their rewards points/miles frequently (38% did so within the past 6 months) or not at all.

The most popular redemption is cash back, which makes sense. Airline tickets are a distant second, followed by gift cards. Millennials are much more likely than older adults to choose cash back.

On This Podcast Episode:

  • Find out why I am a huge fan of credit cards
  • What you should be thinking about if you have rewards points
  • Why you shouldn’t shy away from a credit card with an annual fee
  • How to use your credit card points to achieve your money goals

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media.

Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!

 

Tap Into Untapped Dollars

You could be missing out on an easy way to save money and make a profit if you work at a public company that offers an Employee Stock Purchase Plan. Find out what you need to know.If you work for a public company, it’s quite possible that you’re missing out on one of the easiest and best ways to save money. This little powerful savings vehicle is called an Employee Stock Purchase Plan and it literally allows you to tap into untapped dollars.

With an ESPP, you can purchase company stock at a discount with money that is funded through payroll, and then turn around and sell your shares of stock for hopefully a profit. Use that extra money to rock all those money goals that you have.

According to Fidelity research, only 29% of people contribute to an ESPP when it’s available at your company. Chances are you could missing out on untapped dollars if you’re not participating.

On This Podcast Episode:

  • Get the down low on what an Employee Stock Purchase Plan is
  • Understand the two most important pieces of information you need to know
  • How you can use the ESPP to fund your money goals
  • Why an ESPP is as good as liquid savings

Links Mentioned:

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media.

Also, please leave an honest review for Millennial Money on iTunes! Ratings and reviews are extremely helpful and much appreciated! You’re awesome!

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