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Episode 219: Let’s get one thing clear, I'm not a financial advisor, nor do I play one on TV. But I have been investing in the stock market for years - and I've learned a lot along the way. I remember the first time I ever invested, my heart was racing and my palms were sweaty. I had no idea what I was doing and I was scared that I was going to lose all of my money. Fast forward a few years and I've now become a bit more savvy when it comes to investing. And while I'm still not immune to the occasional wave of anxiety, I've learned how to invest without being too scared. So if you're feeling anxious about investing, don't worry – you're not alone! And remember: when it comes to investing no one has all the answers, so always consult with a financial advisor before making any big decisions. Shoot! Now I sound like an infomercial...but seriously, this is important stuff!   In this episode Erik Smolinski of esInvests.com joins me as we discuss some simple strategies to become more confident with investing. We talk about associating yourself in a community of people who are committed to breaking out of the status quo financially and finding your own idea of what financial success looks like for you.     If you're looking for a more in-depth guide on investing without all of the BS, then I'd recommend subscribing to Erik's YouTube channel. He has great videos on investing for beginners, and how-to’s and tips that will help any level investor perform better in their portfolio building.   To learn more about this episode and our guest Erik visit: https://go2.money/esinvests  
Episode 218: Financial education is an important life lesson that all children can benefit from. By teaching kids about money early on, they can develop good financial habits that will serve them well throughout their lives. There are many ways to teach children about money, and the best way to do it depends on the child's age and level of understanding.   When I was a child, my parents didn’t have the tools to have conversations with my siblings and me about money and we didn’t receive some of those foundational financial skills that I needed later in life. In talking with clients, people and kids, I discovered there’s a lot lacking when it comes to financial literacy and financial education. It has been a mission of mine to normalize conversations around money and finances. And I believe “It’s never too early to empower kids to learn about money.”   I am so excited about this special edition of MYSA, as I have invited Dr. Philip McAdoo, my new friend and fellow co-author of our new children's book, Darius Wants a Dog. Philip and I talk about the challenges and rewards of adoption, his love of dogs, financial literacy for children and his experiences with his son Zaden. I invite you to listen to this powerful conversation.   Darius Wants a Dog is the perfect book to teach your children about money! This engaging book teaches young readers about Darius. Darius decides that he desperately needs to have a dog and quickly learns that wanting new things can also require time, money, being responsible, and sometimes, deciding it’s okay to change your mind! To learn more about Darius Wants a dog, visit: https://go2.money/kidz or grab a copy at your favorite online bookstore.  
Episode 217: NEFE in November. Part 5 Financial shame is one of the most debilitating and personal forms of pressure that an individual can feel. It can prevent people from making critical decisions about their financial future which leaves them feeling hopeless about their ability to ever improve their situation. While there are certainly personal choices that can contribute to financial shame, it's important to remember that there are also outside forces at play. For example, the way that financial institutions are structured creates a built-in disadvantage for consumers. These companies invest millions of dollars to develop systems that ensure profits continue to flow in ways that best serve them. As a result, people who are struggling to make ends meet often find themselves up against an insurmountable force. By taking the time to learn about the external factors that may be outside of your control, you can begin to make choices that best serve you. You don’t have to like the game but if you don’t know the rules, you certainly won’t be able to play the game to your advantage. This month we're celebrating the 30th anniversary of the National Endowment for Financial Education. I've invited some of the staff from NEFE to discuss some of the most recent topics and statistics from polls they have conducted that are impacting the personal finance space.   In the fifth and final part of our "NEFE in NOVEMBER” Series I welcome back President and CEO of NEFE, Dr. Billy Hensley to discuss Financial Shame and the impact in the personal finance space and how NEFE is proactively shining a much needed light on FinLit and financial education for all. To learn more about NEFE's article “Understanding Racial Trauma's Impact on Financial Literacy” visit nefe.org.
Episode 216: NEFE in November. Part 4 Have you experienced bias, discrimination, or exclusion by or from organizations, institutions or individuals within the financial services sector? A recent NEFE poll found that minority households are more likely to experience discrimination or feel blocked from the financial sector. It could be having a loan declined or offered less favorable terms than white households. These are just some of the many ways that financial discrimination presents itself. So what can we do about it? This month we're celebrating the 30th anniversary of the National Endowment for Financial Education. To honor this special event, I've invited some of the team from NEFE to discuss some of the most recent topics and statistics from polls they have conducted that are impacting the personal finance space. We also talk about how financial literacy helped shape their personal lives. NEFE”S Managing director of marketing and engagement Chelsea Norton, joins me for a second time as she explains what financial discrimination looks like and how to recognize some of the signs. Chelsea and I also discuss what steps you can take if you feel that you have been unfairly treated or discriminated against by a financial institution or service provider. To learn more about NEFE’s recent article, New Polling Shows How Race, Income Play a Role in Discriminatory Practices by the Financial Services Sector, visit NEFE.org
Episode 215: At certain times in our lives we seek approval from others. It's a basic human need. But what happens when we become too reliant on the approval of others to define our self-worth? We can start to lose sight of who we are and what we want in life. Often as we begin to blossom into our true selves, we encounter push back and conflict from other people from whom we are seeking approval. Advocating for ourselves and staying in connection with others are an important part of the journey of self-discovery. Are you willing to push through the discomfort of confrontation to have the life you choose? In my conversation with conflict resolution coach Jerry Fu, we discuss how people pleasing can lead us FURTHER FROM the path we truly desire. We also talk about meeting expectations set by other people at the cost of our own integrity. This episode explores the willingness to simply “go for it” even though you may not have perfected all the skills; being a work in progress doesn’t mean that your goals are invalid. Jerry’s expertise lies in his conflict resolution skills, and in this great conversation he expresses how having those skills gave him the courage to explore a life outside of people pleasing and expectations. Grab a free guide, A Simple Framework for Hard Conversations, to help you successfully navigate your professional and personal relationships to experience clarity, confidence and closure.
Episode 214: NEFE in November. Part 3 A high school education is supposed to prepare students for the "real world." However, for many students, the reality is that they graduate without any real-world knowledge of personal finance. This is a problem because personal finance is one of the most important life skills that somebody can have. The COVID-19 pandemic has highlighted how many American adults live on the financial edge, and this has boosted ongoing efforts to make financial literacy a mandatory part of high school education. This month we're celebrating the 30th anniversary of the National Endowment for Financial Education. To honor this special event, I've invited some of the staff from NEFE to discuss some of the most recent topics and statistics from polls they have conducted that are impacting financial education. We'll also talk about how financial literacy helped shape their personal lives - both the good times as well as tough moments. In this episode, I chat with Emma Donahue, NEFE’s manager of Policy and Advocacy, who focuses on advancing NEFE’s policies around K-12 financial education mandates. All that is equal is not always equitable. We discuss the importance of starting a financial education early to empower kids to learn about money. To learn more about NEFE’s recent article, Not all Mandates are Created Equal: a 2022 Legislative Recap, visit NEFE.org
Episode 213 To be an entrepreneur, you need to have the willingness to adapt and change rapidly. You need to wake up one moment with an idea for your business; then within seconds you're thinking about what steps to take in order make it happen- all while still maintaining a level head space so as not lose yourself or become distracted along the way. In this episode, entrepreneur and communications coach Brenden Kumaraswamy joins me to talk about the zone of excellence and the mindset required to be an entrepreneur. Why is personal development so important? We also explore how time is potentially more valuable than money. What would you do if you had all the time in the world?  Brenden Kumaraswamy is the founder of MasterTalk, he coaches ambitious executives & entrepreneurs to become top 1% communicators in their industry. He also has a popular YouTube channel called MasterTalk, with the goal of providing free access to communication tools for everyone. To learn more about this episode, visit: https://go2.money/zone
Episode 212: NEFE in November. Part 2. Have you had the opportunity to take financial education courses or training during school, at the workplace, one-on-one or in another setting? And did you take it? It's more important than ever to be financially aware. Fortunately, there are many opportunities to learn about personal finance, whether it's in school, at work, or even on your own. Taking advantage of opportunities that feel right for you, can set yourself up for future financial success, whatever that looks like for you. This month we're celebrating the 30th anniversary of the National Endowment for Financial Education. To honor this special event, I've invited some of the team from NEFE to discuss some of the most recent topics and statistics from polls they have conducted that are impacting the personal finance space. We'll also talk about how financial literacy helped shape their personal lives. I hope you enjoy part 2 in our 5-part series of "NEFE in NOVEMBER with our special Guest, Managing Director of Insights at NEFE: Amy Marty Conrad where we discuss a recent article regarding how individuals with financial education opportunities choose to take them in overwhelming numbers. To learn more about the article and “Financial Education access” visit NEFE.org To learn more about this epsiode, visit: https://go2.money/access
Episode 211: Imagine how much easier buying a home would be if you knew exactly what lenders were looking for. Lenders take some significant factors into account when approving a mortgage. Knowledge is power, and understanding the mortgage approval process can give us that edge in our quest to find an ideal home at the right price and time. In this episode, Brighton Gbarazia offers a behind-the-scenes look into some of the key factors that banks and lenders won't tell you when applying for a mortgage. Brighton is a financial and real estate expert with over a decade of experience working as a financial advisor and mortgage underwriter for some of Canada's largest banks and credit unions. He is the Founder of Wealth Marathon and author of Master Your Mortgage: What the bank won't tell you about buying the right home. There are plenty of books about real estate, but more is needed for real people looking at buying real estate. For the insider's guide to a mortgage, pick up a copy of Master Your Mortgage. To learn more about this episode, connect with Brighton and a transcript, visit https://go2.money/mortgage
Episode 210: NEFE in November. Part 1. There's no question that personal finance can be a complex and often confusing topic. With so many different products, services, and terms to understand, it's no wonder that so many people feel overwhelmed when it comes to managing their money. Would a financial literacy course have helped you on your path? Do you think every teen should take a financial literacy course before graduation to help with foundational financial skill sets? The good news is that there are organizations like NEFE (National Endowment for Financial Education) that are dedicated to helping people understand and take control of their financial well-being, and that includes teens. 30 years ago, NEFE began their commitment to further the field of financial well-being.  And in celebration of this milestone my team and I have created this special series called NEFE In November. Each week for the month of November, I invite an employee of NEFE to discuss some of the most pressing issues facing personal finance education in the US today. In this episode, it’s my pleasure to have President & CEO of NEFE, Dr Billy Hensley, back again to discuss a recent NEFE poll that explores the need for effective financial education in schools. Learn more about NEFE's recent article and poll; Most Adults Support Financial Education Mandates. Billy J. Hensley, Ph.D., is the president and CEO of the National Endowment for Financial Education. Since his appointment in 2018, Dr. Billy has led NEFE through the development and execution of its first strategic plan, sharpening the organization’s mission, vision and core values, and cultivating broader transparency and effectiveness. He is charging the organization to redefine financial education through more focused philanthropy, research and collaboration. To learn more about this episode, visit: https://go2.money/schools
Episode 209: Money is one of those taboo topics that many cultures are hesitant to talk about. But why is that? Why do we feel uncomfortable discussing something that is such an integral part of our lives? By understanding the cultural beliefs around money, we can learn to better manage our finances and build stronger financial futures. So, let's explore some of the different cultural attitudes towards money and see what we can learn from them! In this episode, I chatted with financial coach and mentor Walli Miller and we talk about the cultural beliefs in her life around money. As a woman of color with little financial knowledge, she embarked on a journey to educate herself about how to buy back her time and experience financial freedom. Along the way, she noticed that the finance industry was an echo chamber and lacked diversity. She felt compelled to change that. Walli Miller is a financial coach who teaches women how to take control of their finances and secure financial independence through balanced spending, saving, and wealth-building without deprivation. The founder of Financially Thriving Money Coaching, Walli didn’t always understand money or building wealth. Walli is a first-generation college graduate, Latina, and the daughter of an immigrant. Born and raised in the Bronx, she’s the first millionaire in her family and now she will be work-optional by age 40. Walli Miller lives in New York City with her husband and blue-eyed French Bulldog named Casper. Find out how to create a spending plan, save for future goals, and learn how to feel confident on your wealth-building journey. Download Walli's Financial Wellness Roadmap for free. To learn more about Walli, links mentioned, and a transcript of this episode, visit: https://go2.money/thriving
Why is it that money can be so emotionally charged? One reason is that money often represents our worth and status in society. We may feel ashamed or embarrassed if we don't have enough money, or we may feel superior if we do. Additionally, money can be a source of stress because it's often unclear how we should use it. Should we save for the future or spend now? Is there such a thing as too much saved up? These are all questions that can lead to anxiety and stress. In this episode, wealth advocate and founder of Financial Fundamentals-Jenn Wolowich, joins me to discuss the psychology of money. We explore the difficulty in distinguishing between the person & the money - "I’m a bad person because I am terrible with money." We joke about there being no parades or confetti when we are financially responsible. Jenn vulnerably shares a personal story about wrestling with the need to rob her daughter’s piggy bank. Jenn has been a money nerd her whole life. While her friends were playing barbies, she was creating a make-believe bank complete with real deposit and withdrawal slips and an even old cheque book from the neighbour. Playing bank didn't stop her from making terrible financial decisions as an adult and robbing her daughter's piggy bank to pay credit card bills. Armed with a degree in psychology, her Financial Advisor designation and her passion for consumer-debt freedom, Jenn is empowering families and individuals to take control of their finances and eliminate financial stress. If you're feeling anxious about your finances, visit financialfundamentals.ca and learn how take control of your money. Jenn will help you eliminate debt, save on taxes, protect your wealth and master your cash flow so you can rest easy about the future. To learn more about Jenn, links mentioned, and a transcript of this episode, visit: https://go2.money/fundamentals
In order to make a good impression on others, we might do things that don't always align with our values. We might pretend to be someone we're not or put up a facade to make ourselves look better. While these things might seem necessary in the moment, they can cost us in the long run. By compromising our values, we lose sight of who we are and what's important to us and invite a whole lot of unwanted stress into our lives. So instead of trying so hard to impress others, the focus should be on being true to ourselves, and building positive relationships based on honesty and respect. In this conversation with entrepreneur and founder of the crystal inspired activewear brand, Confused Girl, Giovanna Silvestre, shares her journey from cool jobs - unhappy person to risking it all for freedom and peace, happy person. We talk about the struggles of letting go of safety and starting your own biz, when others say “get a real job”. We also explore when a failure is no longer a failure. It becomes a lesson and how to recognize the difference. Giovanna created her activewear brand, Confused Girl, from the ground up. She’s designed and successfully marketed a full collection of crystal inspired products, accumulated over 1,000 loyal Brand Ambassadors worldwide and has been featured on NBC, Forbes, Influencive, and many more international publications.   She’s spent several years living in different parts of the world (Indonesia, Thailand, and Italy to name a few). The self-love and courage Giovanna developed were made possible by the lessons she writes about in her soon-to-be-released book Confused Girl, Find Your Peace in the Chaos. For more information on the release of her book, follow her on Instagram @confusedgirlla. For more information about Giovanna, links mentioned, and a transcript of this episode, visit: https://go2.money/confusedgirl  
Is there a dream or goal you've put on the back burner, telling yourself you'll get to it "one day"? Maybe you're not sure how to go about making a change, or fear that you might not be successful. But what if I told you that delaying your dreams is actually costing you more than taking the leap? Trusting your desire to change direction in life is the first step on the path to making it happen. In this episode, I chat with transformational coach Melissa DaSilva LICSW. She was living a life that she thought she was supposed to be living. It wasn't a bad one but after a life altering “aha” moment, Melissa realized her life needed to change direction. So she got really clear on what she wanted, created an action plan, and took the necessary steps, and went for it. Melissa also delves into the emerging technology of NFTs'. What are they and how they are impacting artists around the world. Melissa is a successful physical NFT artist, entrepreneur, therapist, author and coach who motivates other LGBTQIA+ individuals, entrepreneurs, and artists to take their life and career to the next level. She is the author of "The Profitable Practice: Helping Healing Professionals Build and Grow a Successful Business." Melissa is the creator and host of the successful LGBTQIA+ podcasts Pride Connections and Chit Chat with the Queer and Creative. You can also find her on the weekly Youtube show "The Next Chapter," where she and her cohost discuss all topics related to being single and getting older in our world today. Visit Melissa's website to learn more about her work and how she can help you create the life you want. For more information about Melissa, her NFTs' links mentioned, and a transcript of this episode, visit: https://go2.money/NFT  
Money matters can be a big a source of stress, but it doesn't have to be.  You can make up your own rules around money and create a system that works for you. Fear, guilt, and other people's opinions about money, should not dictate how you deal with it. Only you can figure out what works best for you. So get creative and come up with a money strategy that makes you feel confident and happy! In this episode, I speak with Money Coach Mariah AKA Mariah Raynor. We talk about the why’s of our money choices, not the shoulds. We talk about how we feel about debt and money. We geek out on the power of words and how significant they are in our money mindset. Mariah stresses the point that we all get to make our own rules about money. In 2018 Mariah started to feel weighed down by debt and was always worried about money. She felt like she couldn't save any money no matter what she tried. She decided she wanted more for her life. It became her goal to feel in control and confident with money. Over the next 18 months, she continued learning as much as she could and paid off 60k in debt. She went on to get certified in money coaching and started her business towards the end of 2020 and has been helping clients create a better relationship with money ever since. Check out Money Coach Mariah's free training and learn how to stop impulse/over spending - without guilting or restricting yourself. For more information about Mariah, links mentioned, and a transcript of this episode, please visit: https://go2.money/confidence
Have you ever been told to “trust yourself”? It’s one of those vague pieces of advice that can be interpreted a million ways. Sometimes it feels like an impossible task, and other times it feels like a cliché we tell ourselves when we don’t know what else to do. In this episode, actor, voice over artist and entrepreneur Adam McArthur discusses what it means to trust yourself and follow your passion. Are they really the same thing? And if they are, how do we make them happen in our lives? We also delve into tuning out the social messaging that has been programmed into our minds. Adam McArthur is best-known for voicing fan-favorite Marco Diaz in Disney’s hit series Star vs. The Forces of Evil for four seasons. Soon after, he transitioned into the world of anime and quickly made a name for himself in the genre. Adam is also successful entrepreneur. He has been running a photo booth company called The Booth & Bus Co. for nearly a decade. While the company does offer your traditional photo booth design, they also have a selection of uniquely designed booths modeled after vintage VW buses.  The Booth & Bus Co. does not stop at just small weddings and parties. They have earned a devoted following of A-list clientele from their work at corporate and entertainment events throughout Los Angeles. For more information about Adam, links mentioned, and a transcript of this episode, please visit: https://go2.money/trust
Episode 203: You've got a great idea. It's something you're passionate about, and you can't wait to get started. But then doubt sets in. You start worrying that you're not good enough, that someone else has already done it better, or it costs too much and it's just not worth the effort. Before you know it, your idea is collecting dust, and you feel frustrated and stuck.   Most successful people didn't become successful by waiting for the perfect opportunity or the perfect idea.They took action on their ideas, even if they weren't perfect, and learned as they went along.   In this episode, Author, Entrepreneur, Community Builder and ever-evolving Innovator Chris Krimitsos, took time out of his busy schedule at FinCon22 to sit down with me to share his thoughts. Chris shared his perspective on the differences between a want-eprenuer and an entreprenuer. We explore the dangers of comparing yourself to others. And we delve into the importance of being honest with yourself as an innovator and how it is an essential factor regardless of how uncomfortable it feels.   Chris Krimitos is the founder of the Podfest™ Multimedia Expo, an international conference, providing content creators with opportunities to build relationships and their podcasts/YouTube channels. Chris has also made it into the book of Guinness World Records™ two years in a row as he championed the largest attendance for a virtual podcasting conference in a week.   It's time to break free from the chains of perfectionism that are holding you back. Start ugly and see how much more fun and growth you can experience. Buy Chris's book, Start Ugly, today to find out how!   And if you are a content creator, go and grab your ticket to Podfest Multimedia Expo in Orlando, Florida USA, Jan 26-29 2023. That's podfestexpo.com. You won't regret it.   For more information about Chris, his book, links and a transcript of this episode, please visit: https://go2.money/start-ugly
Episode 202: It's no secret that the financial industry has an inclusion problem. Marginalized groups, including people of color, women, and the LGBTQIA+ communities, feel discouraged from engaging in financial services. This leaves them at a disadvantage in building wealth and achieving economic security. But there are organizations out there working to change this. They're providing access to financial education, statistics, and resources for marginalized communities and helping them overcome barriers preventing them from achieving financial success.   In this episode, recorded @FinCon22, I invited Dr. Billy Hensley, CEO of the National Endowment for Financial Education, (NEFE) to discuss the need for inclusion and equality through empowerment and education within the financial services sector. In particular, highlighting the most current issues affecting the financial lives of the LGBTQIA+ communities.   In May 2022, NEFE surveyed U.S. adults who identify as LGBTQIA+ community members on a broad range of issues regarding their interactions with the financial services industry and their financial quality of life.   I urge you to read the full report, How LGBTQIA+ Representation Assures Better Data (https://go2.money/LGBTQIA+). There needs be more discussions about inclusion through education.   "... only when all individuals and families are provided a level playing field free of bias and discrimination will we truly be able to achieve economic stability." - Dr. Billy Hensley. NEFE.   For more information about NEFE and Dr. Hensley, resources, links and a transcript of this episode, please visit: https://go2.money/NEFE    
Episode 201: When you're dealing with debt, it's easy to get caught up in the numbers. You're juggling creditors, working out a budget, and trying to find ways to make your money work for you. But it's important not to lose sight of the interest rate on your debt. That little number can creep up on you if you're not careful, and before you know it, you're paying out more each month than you bargained for.   It's important to stay mindful of your debt interest rate so that you can keep your payments as low as possible. By keeping on top of things, you'll be able to chip away at that debt and eventually get it paid off and if your anything like our next guest, you could be on your way to living a debt free life.   Steve Stewart is a Podcast Editor and produces multple shows for his peers, including Plutus Award Winning podcasts such as the Stacking Benjamins Show, Afford Anything, and Popcorn Finance.   Steve also founded the Podcast Editors Club, with over 8,000 members, and co-founded the Podcast Editors Conference and Podcast Editor Academy - where they help individuals build their own podcast services business.   In this episode, Steve Stewart and I discuss how he walked away from his day job after turning his side hustle into a thriving business. We also delve into how living a debt-free lifestyle was a game changer for him. Steve passionately shares his perspective on credit card rewards points and who really pays for those perks.   If you’re a fellow podcaster reach out to Steve Stewart to free up some of your editing time to focus on growing your business!   For more information about Steve, resources, links and a transcript of this episode, please visit: https://go2.money/PayAttention
Welcome to another episode of Money You Should Ask Podcast. I'm your host, Bob Wheeler, and I am excited to bring you part 2 of our fun conversations about money and emotions.  In celebration of our 200th episode, my team and I decided to go back in time to some fun financial moments where our guests and I got down to the nitty gritty aspects of money. In part one, we highlighted some fun money moments about creating abundance, money blocks and money stories. We ventured to places in life where money made us laugh or cry. In part 2, we spotlight some of the insights or wealth wisdom moments, as I like to call them, that have inspired us. In each episode, our guest proposes a valuable tip that has helped shape their journey with money. We hope these moments can inspire or help you on your journey to financial success. So, whether you're a seasoned listener or just discovering us for the first time, be sure to tune in each week for new episodes that will help you achieve success and abundance in all areas of your life.  As always, you can find all our episodes on themoneynerve.com or your favorite podcast apps. If you like what you hear, please follow us and leave a review.  And finally, I would like to thank you for joining us as we continue this journey and explore everything money and life have to offer. I am so grateful to you. Without you, this show would not have been able to hit this huge milestone. Thank you very much. And I look forward to bringing more great conversations that help us understand why we do what we do when it comes to money.
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