Life

Top Tips for First Time Homebuyers with Vishal Garg


This podcast episode was inspired by a question sent in from Erin who wanted to know some tips she should be thinking about when she buys her first home. We could do a million podcast episodes just on this topic alone – even if you own a home, there’s always more to learn for the purchase of your next house. That’s why I went straight back to Vishal Garg, CEO of Better (and a previous podcast guest) to answer Erin’s question.

On This Podcast Episode:

The old wise tale was that you needed 20% as a down payment to buy your first house, and forget about it if you were an entrepreneur with a bunch of 1099 income. Thank God those rules are getting thrown away and we can finally get to buying our first home with as little as $10K-$15K as a down payment.

I’m chatting with Vishal on this episode about:

  • Why you so don’t need 20% down payment anymore
  • The curious way you can roll your student loan payment into your mortgage (say what)
  • Possibilities for entrepreneurs with a crapload of 1099’s
  • Top 3 ways to get you in a position to buy

Head over to Better’s site directly to find out more about their unique online mortgage options.

The article mentioned – Best & Worst States to Buy a House

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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Why Being Bad With Money Isn’t So Bad With Gaby Dunn + Ask Shannah

You may know of the name Gaby Dunn. She’s host of a popular podcast, Bad With Money, and is also a New York Times best-selling author, journalist, Comedian and YouTuber. Basically, she’s never bored! Gaby realized one day that if she was bad with money, other people must be too, and so she decided to start a conversation around it.

On This Podcast Episode:

“Money scripts, how you think about money based on what your family taught you is a new concept to me. Everybody learned about money by who they were raised by and it’s hard to undo that,” proclaims Gaby on this podcast episode.

This was one of my favorite podcast conversations. Gaby is funny, engaging, and deeply committed to understanding why people are bad with their money. Her podcast hosts intelligent guests and she’s not afraid to be raw and real about her own money journey. We’re covering:

  • How money scripts play into your financial thoughts
  • Why she thinks the lack of financial literacy is a conspiracy
  • How her own money story has shaped her finances
  • Why she feels talking about money is so important…even if it’s a taboo topic

To follow Gaby, you can go here:

Thanks To Our Episode Sponsors:

CandidCo – get 25% off your modeling kit when you use this link.

Wing – enter code MYMONEY to get $25 off your first month’s bill.

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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Peer Pressure and Your Money with Majd Maksad & Live Ask Shannah

Majd Maksad and his company, Status Money, recently completed a study all about peer pressure and the effects it has on your money. If I’m going to be honest, I’ve probably made a money decision or two in the past based on peer pressure. Would it surprise you to know that peer pressure actually can help people save money and change their spending habits?

 This Podcast Episode:

Peer pressure can help consumers cut their spending by a whopping $600 a month, according to a new independent study by the University of Chicago and University of Maryland using technology from statusmoney.com.  With more than half of Americans having less than $1000 in savings and 17% negative net worth, peer pressure could help combat what some experts are calling a debt epidemic.

I wanted to get to the bottom of this and chat with Majd about these findings and how Status Money is helping people with their own money decisions. Many of the key findings were particularly interesting and I think they say a lot about the role peer pressure plays in our finances.

Ask Shannah Live – podcast listener Heidi joins me for our first life Ask Shannah session. Hear her story of losing her job and having to make some tough choices about paying off debt or saving her money.

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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A 12-Month Plan to Financial Freedom – Getting Invested with Danielle Town + Ask Shannah

I get sent a lot of books to review for the podcast – some great, some just ok. I sat down with Danielle Town’s new book on a Friday afternoon, Invested – How Warren Buffett and Charlie Munger Taught Me to Master My Mind, My Emotions & My Money (with a little help from my dad), and I couldn’t put it down until I read every last word!

On This Podcast Episode:

I’ve had a lot of cool and interesting podcast interviews but this chat with Danielle takes the cake. Her book is all about this 12-month journey that she took with her dad & investing guru, Phil Town, on her journey to financial freedom. The best part, the book details how you and I can follow the exact same process that she went through.

Naturally, I was excited to talk to Danielle about her journey, the struggles, and have her dish any great pearls of wisdom that you should know on your own investing journey. You’ll want to bookmark this podcast episode for sure (and rush out and read her book).

(This episode does not promote investing or investing techniques. Please invest based on your own financial situation or after speaking with your financial advisor.)

Shout Out To Podcast Sponsors:

Big thanks to Beachbody on Demand for sponsoring this podcast episode. Text MyMoney to 303030 and get a free trial membership.

Big thanks to Brooklinen for sponsoring this episode. Get $20 off AND free shipping when you use promo code [mymoney] at Brooklinen.com.

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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What Nobody Tells You About Your Money

I’ve been fortunate enough to be a guest on a lot of different podcasts lately where I get to share my own money story. Inevitably, I’m always asked, “What is your best money advice.” I love that question because it gives me a chance to talk about those things that seemingly no one talks about when it comes to your money.

On This Podcast Episode:

Working with people over the last 12 years, I’ve seen a lot about how people manage their finances – the good and not-so-good ways. What I have learned, regardless of the income, is there are a lot of things that no one tells you about your money.

In this episode, I’m dishing my top five things that I believe no one really talks about when it comes to money but really should. I think if we did, maybe we might all be able to breathe a sigh of relief.

Shout Out to Our Podcast Sponsor:

Thanks to Audible! Audible is offering MM 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.

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Conversations About Career & Money With No, You Go Podcast Hosts Jenn, Sara & Katel

I’ve been a fan of the No, You Go podcast for a while now and was so excited to be able to do a podcast swap. They are three badass women who share in frank, funny, and honest discussions about lots of issues in life that we’re all trying to figure out.

I’m also featured on their podcast talking about money taboos, the best financial advice to take and ignore, and dishing about the dreaded “b” (budgets) word.

On This Podcast Episode:

Jenn, Sara, and Katel (hosts of the No, You Go Podcast) are sharing their own career and money journeys in this hilarious and honest podcast episode. They each are superstars in their own right and they aren’t afraid to roll up their sleeves and talk about their struggles figuring their way through being good with their finances.

We also dove deep into their own money questions in the last segment and heard a first-hand story from Sara about credit card fraud and why you should always stay on top of your credit report (even if your score is rockin’.)

Be sure to check out my episode on the No, You Go podcast and subscribe today.

Shout Out To Our Sponsor:

Thanks to the Decrypting Crypto Podcast for sponsoring this episode. Be sure to subscribe today to learn all things crypto and blockchain.

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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Saying I Do – Wedding Do’s and Don’ts with Bridechilla Host Aleisha McCormack

The average cost of a wedding in the U.S. is $33,391 according to Business Insider and from my experience, many of us spend money on items in our wedding that might not be the most beneficial to our bank account. I recently was a guest on Aleisha McCormak’s Bridechilla podcast, so I figured it would great to have Aleisha share with you some of her favorite wedding do’s and don’ts when it comes to spending your cash.

On This Podcast Episode:

She’s a comedian and a TV presenter from the U.K. who turned her wisdom from planning her own wedding into a top-rated iTunes podcast, Bridechilla. Seriously, even if you aren’t planning a wedding, you’re going to enjoy hearing Aleisha dish wisdom about some of her favorite wedding do’s and don’ts – including her f**k it bucket suggestion – and how to survive the day as stress-free as humanly possible.

Shout Out to Our Sponsor:

Thanks to Brooklinen for sponsoring this episode. My Brooklinen sheets are seriously the best, most comfortable sheets I’ve slept on. Brooklinen.com has an exclusive offer just for MY listeners. Get $20 off AND free shipping when you use promo code [mymoney] at Brooklinen.com.

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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Demystifying The New Marriage Trend – The Postnup with Jennifer Guimond-Quigley + Ask Shannah

Ok, let’s get real for a minute here.

We’re all familiar with the term prenup, whether you’re a fan or not. However, did you know that there is a new marriage trend – the postnuptial agreement? Just as it sounds, it’s a legal agreement that is formed after you’re married for a myriad of reasons. Let’s go straight to the source, Chicago-based attorney Jennifer Guimond-Quigley to demystify this new marriage trend.

On This Podcast Episode:

As controversial as they might be, if you’re thinking about a prenup or a postnup, the first place you should start is getting some education around these hot-button documents. Jennifer Guimond-Quigley is joining us on this episode to demystify what you need to know about prenups, and breaking down the differences between postnups in a fun and an easily digestible way (no crazy lawyer speak here, just a totally educational and enjoyable conversation).

Jennifer is the owner and managing attorney at the Law Office of Jennifer Guimond-Quigley.  She realized early on in law school that she had a passion for family law and estate planning. After gaining experience in these two areas both during and after law school, Jennifer decided to start her own firm. With her solo practice, Jennifer loves having the freedom to collaborate with her clients to achieve the best results possible without the limiting constraints common to practicing with larger firms (and she’s kicking butt doing so).

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!

Have an Ask Shannah question, submit it here.

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When To Ask For a Promotion And Other Curious Workplace Questions with Matt Ritter And Ask Shannah

You’re at work, doing your job, day in and day out, and the struggle is real. You’ve got a crazy co-worker that you share a cubicle with who is always telling you stories of their latest adventures and a boss who is completely unapproachable. Or maybe you’re just trying to figure out how in the heck to ask for a promotion. We’re calling in Matt Ritter from the Safe For Work podcast to answer all your questions.

On This Podcast Episode:

Matt Ritter went from Lawyer to Comedian to Executive Recruiter to Podcast host – a journey I can totally relate to. In his new podcast, Safe For Work, Matt, and co-host Liz Dolan are dishing answers to questions that you’ve always wanted to ask.

On this episode, Matt and I are dishing some of his favs.

  • How to ask for a raise
  • When to ask for a promotion
  • How to weigh salary vs. other concerns between two job offers
  • How do you value perks (comp for travel, relocation, free meals, etc)
  •  Getting pay less than co-workers
  • When to leave a job for dream job vs. keeping it as a side hustle

Ask Shannah segment – a question from Nick asking if he can refinance student loans that he’s already refinanced. The short answer is, yes, but I’ll sort out the details on this 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 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!

Have an Ask Shannah question, submit it here.

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101 Questions You Need to Ask in Your Twenties? Paul Angone + Ask Shannah How Should I Divide Up My Savings

Have you ever found yourself asking baffling questions like:

  • How do I grab fear by the ears and snarl at it?
  • What is my anxiety telling me?
  • What are the pivotal plot points of my life?

You and me both! We’re going to get answers to some of those questions on this podcast episode and hopefully inspire you to continue being the best version of yourself.

On This Podcast Episode:

Paul Angone, the author of 101 Questions You Need to Ask in Your Twenties, is joining us to dish some of his favorite questions from the book as well as wisdom he found to answers some of those often difficult questions.

Paul is the creator of allgroanup.com and read by millions in 190 countries. He is the author of the best-selling book 101 Secrets for Your Twenties, All Groan Up, and his newest book 101 Questions You Need to Ask in Your Twenties.

Ask Shannah question: How should I best divvy up my savings if I’m already a good saver?

Shout Out To Our Sponsor:

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 Show URL to 500-500 to get started today.

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!

Want More:

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