Music Chat With Mat Kearney and Ask Shannah – I Don’t Have a 401K at Work

We all have talents – some may be already tapped talents and some may yet to be extracted from inside of us. What if you never discover the talents you have inside of you and never chase your dreams? Singer/songwriter Mat Kearney did not discover his amazing musical talents until he was midway through college at Chico State in California.

Now, this Oregon-born singer-songwriter continues to break down musical barriers with his soulful genre-bending blend of hip-hop infused style of music with his new self-titled EP and upcoming album.

On This Podcast Episode:

Mat Kearney stopped by the Millennial Money podcast as was in the middle recent rehearsals in Nashville for his upcoming national tour to chat with Jeff. We loved hanging out with one of the all-around great guys in music today, as we chatted about his upcoming CRAZYTALK album and current tour, stories of opening for John Mayer early in his career and how fatherhood has changed his songwriting.

Also, today’s Ask Shannah question is all about not having access to a 401(k) at work from Angela.

Links Mentioned:

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. Every listen means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.

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

Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Brunch 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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Survive Unemployment & Ignite Your Future with Chris Hutchins, Grove + Ask Shannah Buying Your First Home

Getting laid off can feel like the worst thing to ever happen to you, but what if it’s the best thing that ever happened to you? When Chris Hutchins, CEO, and co-founder of Grove got laid off he realized he had two choices – 1) wallow in his unemployment, or 2) take a risk and try to leverage unemployment into future success.

On This Podcast Episode:

Check out the latest Ask Shannah question from two listeners about saving money and strategies to grow that savings for first-time homebuyers.

Chris shares his journey of being laid off and the evolution of building his new company, Grove aimed at making personalized financial advice both affordable and accessible for everyone. He’s also sharing some gems about saving money while not sacrificing your lifestyle (yes, it’s possible).

Shout Out to Our Sponsors:

For $30 off your first week of HelloFresh, visit HelloFresh and enter code “mymoney30” at checkout.

Audible is offering listeners a free audiobook with a 30-day trial membership. Just go to audible.com/mymoney  or text MYMONEY to 500-500 and browse Audible’s selection of audio programs – download a title free and start listening.

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. Every listen means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.

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

Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Brunch 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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Unplugging In the Texas Hill Country River Region & Ask Shannah

Unplugging is not something we do well in our warp-speed these days – but we should. In fact, there are scientific studies that suggest that being able to truly relax and rest has been shown to boost productivityincrease creativity, and reduce the long-term risks of potentially fatal ailments. So we decided to do just that – unplug a bit, reconnect, increase our creativity, and visit a place that many haven’t even heard of – Texas Hill River Region.

On This Podcast Episode:

Sometimes we all need to escape the hustle and bustle of our daily lives to find a place where the pace is not so frantic, the locals are a lot friendlier, and the beauty of nature envelopes your soul with a warm Earth Day-esque hug.

My co-host, Jeff Game, discuss how unplugging vacations can be one of the best investments you can make (not only as a couple but also in helping us get back in touch with what matters most in life).

We recently decided to leave our city slicker lives behind for a few days, unplug and explore the quintessential Americana Texas Hill Country River Region, located in Uvalde County. And, it kind of ruled!

As we hopped in our rental car for the hour and a half drive from San Antonio to Texas Hill Country River Region, cranked up our Willie Nelson playlist and could already feel the stress fall away along the roadside.

 

Links Mentioned:

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. Every listen means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.

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

Millennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Brunch 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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The Smartest Money Moves to Make (and not make) in Your 20’s & 30’s + New Podcast Format

Everyone wants to be smart with their money, and yet, it’s hard sometimes to figure out what money moves we should actually be making. The irony is, most smart money moves you should make in your 20’s are the same ones you should also make in your 30’s and 40’s. Instead, the smartest money move you can make is to figure out something I call your happiness plan and then figure out the money moves you need to make to fund that plan.

On This Podcast Episode:

  • Ask Shannah segment on how to avoid online romance scams with Sandra Bernardo from Experian
  • Find out why savings is always going to be a smart money move
  • We’ll chat about the building phase of your 20’s
  • We’ll chat about the building and protecting phase of your 30’s
  • Discover what your happiness plan is and how to make moves to fund that

Links Mentioned:

Shout Out To Our Sponsor:

Thanks to ZipRecruiter for sponsoring this episode. Right now, my listeners can try ZipRecruiter for free.  That’s right FREE! Just go to ZipRecruiter.com/mymoney.

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. Every listen means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.

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

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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.

 

Are You A Fool For Paying Your Credit Card In Full

This episode was inspired by a listener question sent in by Dezmond. He and his father had a bit of a disagreement over whether you should pay your credit card off in full each month or leave a balance to build a strong credit score. I’m so happy to answer this question definitively – no, you’re not a fool to pay off that card each month.

On This Podcast Episode:

  • Let’s review the five factors that influence your credit score
  • I’m explaining why you don’t need to keep a credit card balance
  • So what do you do if you can’t pay that card off in full each month
  • How does not using your credit card actually hurt your credit score

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. Every listen means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.

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

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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. There is no assurance that the techniques and strategies discussed are suitable for all listeners or will yield positive outcomes.

The Valentine’s Day Escape Plan

We all know that Valentine’s Day is a made up, Hallmark holiday that forces us to spend more money than we intended or should spend. It’s also a holiday that says this one day a year you have to be in love, and of course, spend more money. So not true!

On This Podcast Episode:

Valentine’s Day is the third largest consumer holiday of the year, as we spend over $19 Billion in the name of Cupid. The average person will spend $143.56 for their Valentine.

Instead of spending money on stuff you or your Valentine may or may not use (probably not), spend your hard-earned cash on an escape plan and getaway for love. This is a great plan whether you’re in love or not. Travel this Valentine’s Day!

My co-host for this podcast episode is my husband, Jeff Game, a travel, and music journalist that’s always on the hunt for a good story to tell.

Links Mentioned:

Songs:

“No One’s Gonna Love You” – Band of Horses

“Somebody to Love” – Valerie June

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. Every listen means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.

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

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The Real Reality Of The Retirement Crisis – Jeffrey Small

You’re young and probably not too excited about talking retirement – but you should be.

You see, thinking about retirement at an early age only sets you up for success in the future. How much success…well that’s anyone’s guess…but if we look at math alone, starting to save early allows more time for your money to compound. This is a very good thing.

However, there’s a real retirement crisis on the horizon not just for millennials but for Gen X’ers and other generations and it’s sadly not improving.

On This Podcast Episode:

Jeffrey Small, President of, “Arbor Financial” and author of new book,  Turning Financial Planning, Right-Side Up, is our guest on this podcast episode. He’s sharing some nuggets of information about the retirement crisis that you don’t want to miss.

  • We’re talking about why millennials should be thinking about retirement now
  • How to frame your thinking about picking stocks and funds
  • Real ways that you can think about your savings for retirement
  • What does the future look like for millennials now that we have this retirement crisis (i.e. are well doomed?)

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. Every listen means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.

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

Want More:

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.

The Super Easy 3 Ingredient Budget

There’s a lot of mystery around budgeting but it’s really a super simple process of keeping track of your income and more importantly, your expenses. Whether you hate to budget or are looking for a new system, the super easy three ingredient budget is a good place to start.

On This Podcast Episode:

Focusing on simplicity, learn super easy ways to create a three ingredient budget in a matter of minutes that you can keep track of without all the stress.

  • Ingredient 1 – What’s the cash you’re working with
  • Ingredient 2 – What do you gotta pay and what are you doing with the rest
  • Ingredient 3 – How much do you have to put towards your goals (hint, can you find better ways to lower your ‘rest’ expenses)

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. Every listen means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.

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

Want More:

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.

Super Big Game Savings

It’s that time of year again (and the Patriots are once again in the Super Bowl) for the big game day. Did you know there are lots of savings to be had around Super Bowl Sunday? You thought it was just about wings and cheese dip – wrong – it’s also a great time to buy a new TV, cut the cord, and order out.

On This Podcast Episode:

It’s the Friday before the Super Bowl so let’s have a little fun with this episode. We’re dishing some of the hottest deals this Super Bowl Sunday including TVs that are at the lowest price (even lower than Black Friday deals). So don’t blow all your cash on your blow out Super Bowl party and feel free to be a rebel and call in sick on Monday.

Links Mentioned:

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. Every listen means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.

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

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Is Pet Insurance Really Worth The Hype

I’ll admit it – I have doggie fever – like really bad. Being a financial planner I’m always trying to figure out the true cost of owning a pet and whether or not that makes sense for us financially. Pet Insurance is one of those topics that I don’t know a lot about but, just like any other insurance, seems like a worthwhile investment to make. So I went straight to my friend Jennifer Fitzgerald at Policygenius to find out what I need to know about pet insurance.

On This Podcast Episode:

Jennifer Fitzgerald, Founder, and CEO of Policygenius, is not only a fellow lover of pets but also an expert when it comes to all things insurance. In this podcast episode, we’re dishing what you need to know about pet insurance whether you have a pet now or are getting one in the future including:

  • The pros and cons of pet insurance
  • What policy options you have and the deductibles for each policy
  • How much pet insurance really costs
  • What are the risks of not having pet insurance
  • Can you use any vet or do only certain vets take pet insurance

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. Every listen means so much to us. If you’ve enjoyed this episode, please share it on social media using the hashtag #millennialmoneypodcast.

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

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