Budgeting

Get Your Budget In Shape For The Fall + Ask Shannah

You blew your summer budget and now we’re rolling into the fall. Before you know it, it will be the holidays and your budget will be screaming at you. Not to worry, I’ve got some out of the box tips to help you get ready for the fall and help you supercharge what you’ve got right now in your bank account.

What You’ll Learn

I’m on a mission to continue to bring you different tips that you might not think about so you can pull together your financial plan for the fall. Here’s a glimpse at what you’ll learn in this episode:

  • How to build your financial plan with one step or one financial item you want to accomplish
  • Why you need to write out your goals and how they can radically change your financial direction
  • How to create a plan for large expenses at the holidays
  • Why credit card points are your best friend when it comes to gift giving
  • How to create your own fall financial plan in 3 easy to follow steps
  • Food for thought on how to think about your money situation this fall

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 treats, and a whole lotta’ fun!

Get Social

 

Be Your Own Student Loan Debt Hero With Travis Hornsby

Student loan debt is no joke. If you have student loan debt, you know the stress an anxiety that it can bring on while you’re trying to pay it off. In fact, student loan debt has skyrocketed to nearly $1.5 trillion dollars in 2018. What you need is tips, tools, strategies, and a little push to stay motivated while you’re attacking your student loans.

What You’ll Learn

Travis Hornsby, CEO of Student Loan Planner is with us today to break down some of the myths around student loan debt payoff and share some horror stories with you. This episode is jam-packed with great need to know information including:

  • How to figure out if your student loan repayment plan is costing you too much
  • The easiest way to pay off your student loans QUICK
  • Why you should be collecting the refi bonus – not someone else
  • What you should be looking for when you’re considering student loan refinancing
  • Horror stories can teach you a lot, and Travis is sharing a few doozies
  • Will student loan reform ever happen in the U.S.

Links Mentioned

Student Loan Planner

Get Student Loan Help

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 treats and a whole lotta’ fun!

Get Social

 

The Power of Small Daily Money Habits with Clarity Money + Ask Shannah


We face a new type of reality when it comes to managing our finances. From mounting student loan debt, keeping track of all subscription services like Netflix and Spotify and more simply, trying to pay rent and buy groceries — it’s overwhelming to figure out where to start.

One of my fav money management/budgeting apps is Clarity Money. I use it myself (I’m a big fan) and went straight to Colin Kennedy, the Chief Operating Officer & Revenue Officer of Clarity Money to explore the power of small daily money habits and how you can use them to empower your money.

Episode Details:

There are a million apps on the market to manage your money and budget more effectively. I’ve tried them all myself and one that has found a permanent home on my phone is Clarity Money. It really is different than most of the budgeting & saving apps and has made a big difference in how I manage my money every day.

I was excited to have Colin from Clarity Money on this episode to dig beneath the surface of the app and talk about how you can use the concept of daily money habits to revolutionize your finances. Yes, I’m talking game-changing perspectives here.

Check out Clarity Money if you aren’t bff’s yet

Episode Sponsor:

Big thanks to Audible for sponsoring this episode. Audible is offering Millennial Money listeners a free audiobook with a 30-day trial membership. Just go to audible.com/mymoney and browse the unmatched selection of audio programs – download a title free and start listening. Go to audible.com/mymoney or text mymoney to 500-500 to get started today.

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean 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 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!

Have an Ask Shannah question, submit it here.

Want More:

Blockchain 101 & How It Will Impact Your Future Wallet With Kendi Lane

Blockchain, cryptocurrency, bitcoin – say what? There are a lot of confusing terms out there, and I wanted to get to the bottom of it. We have all heard about bitcoin – it was on the tip of everyone’s tongue a few months ago and people were investing in it that have never even invested in their 401(k) or IRA (yikes). What about blockchain – the technology that needed to exist before bitcoin? I think it’s time to roll up our sleeves and figure this out.

On This Podcast Episode:

Kendi joined us on the podcast way back in November 2017 talking all things bitcoin. If you haven’t taken a listen to that episode, you need to!

Led by Bitcoin and Ether, cryptocurrencies have lost 10% of their combined value over the last week. Bitcoin on Tuesday dropped 4.5%, and Ethereum — after dropping 17% on Monday — fell another 7% on Tuesday. The total market value of cryptocurrencies worldwide is now at its lowest since November, according to The Wall Street Journal.

So, is this technology something you should put your money into and how will it impact your future wallet (because it isn’t going anywhere). Kendi is a force to be reckoned with and a super smart chic who knows her stuff when it comes to blockchain and the perfect millennial expert to school us all.

Connect with Kendi:

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean 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 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!

Have an Ask Shannah question, submit it here.

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Ask Shannah: Dealing with Student Loans and Debt

In this #AskShannah episode, I’m tackling two complex questions about student loans. Everything from borrowing money from your 401(k) to pay off your student loans, to dealing with student loan debt when you’re in a relationship.

In This Podcast Episode:

Thanks for all the great #AskShannah questions that are coming in. As always, remember you can always submit a question anonymously so I won’t disclose your name when I’m reading over the question.

I’m covering two questions on this episode that I think most of us could relate to in some way. As a reminder, they call this personal finance because it is just that – personal. When you’re making a money decision, you should weigh the pros and cons and then come to a decision that feels good to you and makes sense based on your lifestyle.

  • My question to you is, what benefits (or drawbacks) could there be if I were to take a loan from my 401(k) to pay off my student loans?
  • Which leads me to my question.. Am I wrong to think that having him put some money in a high yield savings account, could help him to pay off his student loans faster due to compounding growth?  

Tune in to hear my thoughts and feel free to send me your own #AskShannah question for a future episode.

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean 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 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!

Have an Ask Shannah question, submit it here.

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Money Wisdom From My Dad (And He’s Pretty Smart)

My dad is somewhat of a legend in the financial services world. He’s been helping people for well over 40 years now and is beloved for his personality and intent on always putting clients needs before his. I know him as Dad and the person who taught me almost everything I know about personal finance.

On This Podcast Episode:

My Dad, Stan, is joining us for a lively discussion about the advice he has about how to be smart with your money in your twenties and thirties. We’ll also talk about the difference between perceptions of money when he was in his twenties versus now – which is always a fun topic for me.

Dad’s top advice:

  • Save for emergencies (and save more than you think)
  • Invest in your 401(k) and don’t touch the money
  • Cover your risks, but only if you have a strong ER fund
  • Don’t be afraid to try and learn when it comes to smart money moves

Podcast Episode Sponsor:

Thanks to Udemy for sponsoring this podcast episode. Head over to http://www.ude.my/mymoney to get 90% off.

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean 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 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!

Have an Ask Shannah question, submit it here.

Want More:

 

Innovation That Leads To Change In The Black Millennial Community With Ras Asan

Ras Asan means business. As a black millennial male himself, he co-founded BREAUX Capital rising from his own needs to figure out a different way to approach financial wellness. He figured if other black millennials were having the problems he was having, then he needed to start a company to meet their needs. BREAUX Capital’s innovation is shaking up the fin-tech space and that’s certainly not a bad thing.

On This Podcast Episode:

Ras is one of those guests that I could talk to for hours. He’s articulate, diverse, and has learned many money lessons along his own entrepreneurial journey that he’s sharing on this episode.

Cooperatively owned and operated, BREAUX Capital is focused on increasing the financial wellness of millennial Black males. Since launching with only $500, BREAUX Capital has bootstrapped its way to serving members across the country. BREAUX Capital leverages a combination of software and a membership community to enhance the short and long-term financial health of its members.

There’s no doubt in my mind that Ras and Breaux Capital will continue to shake up this old-fashioned industry.

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean 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 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!

Have an Ask Shannah question, submit it here.

Want More:

Honest Review of Money Apps & Programs to DIY Your Finances

This episode was prompted by an Ask Shannah question from Ashley who was super curious what my opinion was about all the money apps and programs out there. She also wanted to find out what I thought about the idea of DIY finances – is it really possible, or at the end of the day, will you need to hire a financial planner to get a good action plan together. Take a listen to find out!

On This Podcast Episode:

Starting us off, I wanted to share a really cool contest that GoBankingRates ran for the Best Money Expert (besides me). There were lots of entries, and I hope you’ll check it out and see all the different money tips and advice these experts are sharing.

Can you DIY your finances? Well, yes and no.

I’m tackling this question and dishing about my fav money apps and programs including:

Thanks to Our Episode Sponsor:

This episode was sponsored by Beach Body on Demand. Right now listeners can get a free trial membership when you text MYMoney (no spaces) to 303030.

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean 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 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!

Have an Ask Shannah question, submit it here.

Want More:

 

 

You Got a Financial Windfall…Now What

Isn’t it everyone’s dream to wake up one morning and find a financial windfall in your bank account? I think that’s why we all rush out to buy lottery tickets when the award is some obnoxiously high number – the hopes that we might find ourselves the lucky one in 175 million who strike it rich. However, coming into a financial windfall could also be a time of confusion – a time to pause and think about how you should spend the money wisely.

On This Podcast Episode:

On this solo episode, I’m tackling a topic that seems like it’s a pro but could cause some confusion and doubt. What would you do if you woke up tomorrow with more money in your hands due to a financial windfall?

I’m talking some of my favorite ideas for how you could be smart with your financial windfall, have some fun, and create a killer game plan that could leave you basking in the windfall for years. (And, of course, I sure hope you wake up one day a lottery winner…)

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean 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 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!

Have an Ask Shannah question, submit it here.

Want More:

Your Money Thoughts & Their Special Powers with Michelle Bobrow + Ask Shannah

There’s really no easier way to say this – your money thoughts have as much of an impact on achieving goals as the actual “how-to’s” and practical advice about money. This is the message I’ve shared since the beginning of the podcast, and it’s one that Michelle Bobrow from the Holistic Wallet shares as well.

On This Podcast Episode:

Meet Michelle Bobrow. She’s built a whole brand around mind shifts in all areas of our lives, but particularly finances. Michelle focuses on money psychology to integrate healthy and balanced financial habits into our lives.

Through strategic planning and mindful coaching, Michelle turns numbers into a work of art as she designs holistic budgets and sustainable systems for you to pay off your past, save for your future, and enjoy the present. (YES, that’s what I’m talking about).

We cover some good points:

  • How the recession impacted her as a college student at the time and the lesson she learned
  • How you can begin to create powerful money shifts right away
  • Why non-judgmental talk is the best kind of talk around money
  • How you can create an awareness of what makes you feel good and what makes you feel like crap around your finances

Thanks To Our Episode Sponsor:

Thanks to Udemy for sponsoring this episode. Go to http://www.ude.my/mymoney right now and get ninety percent off when you sign up for classes! You will not find a better price, so sign-up for classes NOW.

Thanks for Tuning In:

Thanks for tuning in to listen to this episode of Millennial Money. You’re awesome and mean 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 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!

Have an Ask Shannah question, submit it here.

Want More:

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