Episodes

  • Have you ever said to yourself, “It’s too late for me to learn about money. I’ll never know enough to get ahead.” or, “I’ve made too many mistakes, I’ll always be in debt,” or “If I just made more money, I’d be a lot happier.” These are very common beliefs that we share about money. Just the other day, I was having a conversation with a friend, and she said, “Shannah, I’m just tired. I’m in my 40s, and I haven’t saved enough money; I feel like a real failure,” so she inspired this episode because I think it’s time we talk about these money beliefs that hold us back. One of the things I love the most about hosting this show for the last nine years is getting to make some really great friends who also host equally amazing money podcasts and bringing them together to talk about money topics that I know are top of mind for you, like this episode. Jordan Grumet, aka Doc G., host of the Earn and Invest podcast, and Joe Saul-Sehy, host of The Stacking Benjamins Show, are joining me to shatter these common money beliefs so they can no longer hold you back from reaching your goals.LinksEarn & Invest podcastThe Stacking Benjamins ShowUnf*ck Your Money course waitlistThank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.SPONSORSThanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com. Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.Learn more about your ad choices. Visit megaphone.fm/adchoices

  • Your credit score has power, and that three-digit number dramatically impacts your financial future. If you do nothing else this year, grab your credit score the tail and yank it up to 700+ (preferably over 740). You don’t have to go all crazy trying for an 850 score – but don’t get lazy. Even if you have a good score, it could drop tomorrow by one silly mishap. Marsha Barnes from The Finance Bar will share her best tips to get your score in check in this reboot episode.
    What You'll Learn

    Why your credit score is a powerful piece of your financial future

    How to create a better financial brand for yourself

    Which credit scoring models do you need to care about

    What action steps you should take this year to raise your score

    How your score impacts your job and where you live

    Why Marsha is so passionate about financial literacy


    Links

    FICO

    The Finance Bar

    Credit Karma

    Credit Sesame


    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.
    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App Store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

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  • The day your tax refund hits your bank account, it’s a good day. You daydream about all the ways you can spend the money - should you treat yourself to a spa day or what about a trip to the Bahamas…and then you remember all the things you SHOULD do with your tax refund. In this Ask Shannah, I’m talking about ways to find balance with your tax refund and some tips on how to spend it inspired by a listener question from Liz.
    Links Mentioned
    Unfck Your Money Course Waitlist
    Policygenius
    Ethos Life
    Ladder Life
    Trust & Will
    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm. 

    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App Store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • We're talking about a topic that's not just about numbers; it's about people, fairness, and understanding. That's right, we're talking about pay transparency. Ever wondered how this simple concept can make your work life better? Our guest, Hannah Williams, the creator of the viral sensation Salary Transparent Street, has been hitting the streets asking strangers to share what they do and how much they make. Her mission is to combat discriminatory tendencies in employment and close pay gaps that affect women, POC, workers with disabilities, and the LGTQ+ community. I’m a huge fan of Hannah’s, and I know you’ll be, too, after our conversation. We'll explore on this vault episode how pay transparency can help shrink the wage gap, create a happier workplace, and promote fairness. Plus, Hannah’s sharing juicy information on what to do if you find out you’re underpaid.
    Links
    Salary Transparent Street website - https://www.salarytransparentstreet.com/
    Instagram - https://www.instagram.com/SALARYTRANSPARENTSTREET/
    TikTok - https://www.tiktok.com/@salarytransparentstreet
    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.

    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App Store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • You know, we all are like emotional monkeys that live in the moment regarding money. Have you ever found yourself in the habit of shopping on Amazon late at night only to realize that you don’t really need what you just bought? You are so not alone. The good news, according to Val Agostino, the CEO and co-founder of Monarch Money, the modern personal finance management platform and my favorite personal finance management platform, says this is all part of being a human. The trick to breaking these money patterns is to become aware of the fact that you are repeating patterns from some emotional spot. Awareness of these money patterns is the first step in changing money behaviors. The secret we discuss in this episode is to get emotionally attached to your goals. That is where the magic lives. Get this: if you can emotionally live in the things you really want, the chances of you achieving that money goal are very possible.
    Links
    Monarch - Get an extended 30-day free trial
    Val on LinkedIn
    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.
    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App Store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • In this Ask Shannah episode, I’m covering some of my favorite tips to save money inspired by a question from Brett. This question comes from Brett – "Hi, Shannah, thanks for taking the time to answer my question. I’ve listened to this show since 2016, and even though you’ve changed it up over the years, it’s still one of my favorites. There are a lot of dude money podcasts, but I really like a softer approach and one that feels very non-judgmental. So thank you. I’m in my late 30s and doing pretty well financially, but I always seem to end the month without being able to save a lot of money. Am I doing something wrong? Can you give me any ideas of how much I save and any tips or tricks that you have to save money every month? Thanks a ton.”
    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.
    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • In this vault episode of Everyone's Talkin' Money, I chat with guest Carrie Bennett about a topic close to many hearts: infertility. We dive into the world of fertility treatments, the high costs involved, and the financial struggles that come with it. But Carrie brings something new to the table - the concept of quantum fertility. She shares how incorporating simple, free practices like aligning with natural rhythms and minimizing artificial light can potentially boost fertility. We also discuss the importance of balance, gratitude, and letting life unfold. Whether you're dealing with infertility or just curious, this episode offers fresh insights on a challenging subject.
    Links
    Carrie's website
    Carrie's product recommendations
    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm. 
    Episodes will be live on YouTube in March. Subscribe now https://www.youtube.com/@EveryonesTalkinMoney. 
    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • How often have you told yourself, “Self, I should be giving money to more needy people. Yes, I really should.” Only to follow that up with, welp, another month went by, and I didn’t give anything. Now I feel bad about myself. Look, let me let you off the hook here. The idea of giving and that your life shouldn’t be selfish is pretty universal. I think we can all agree that we feel some sort of moral obligation to give our money and time to help others. But as our guest, Adam Nash, CEO and co-founder of Daffy, a new fintech platform focused on charitable giving, said in the opening, there are two problems that we all face - how do I build giving into my budget and who do I give the money to? This Paradox has an official term - the generosity gap - which says there is this big gap between people who want to give to charity, but life gets in the way, so you end up not giving. This episode is for you if you’ve put Give More to the Causes that are important to you in 2024 on your to-do list. Adam and I talk about how you can create regular charitable contributions with ease, how to connect to organizations you want to give to, and some clever ways charitable giving can help you at tax time.
    Links
    Daffy - https://daffy.org/
    Stock Donation Calculator - https://www.daffy.org/stock-donations-calculator

    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm. 
    Episodes will be live on YouTube in March. Subscribe now https://www.youtube.com/@EveryonesTalkinMoney. 
    Send me a picture of you sharing the episode with a friend at [email protected] by March 1st, and enter to win a $100 Amex gift card.
    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App Store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • In recent weeks, this term, loud budgeting has made its way into the mainstream conversation. So, which camp are you in - shouting loudly about your money goals, or would you rather keep them to yourself? I think we need to talk about it. It’s Friday, and typically, I answer an Ask Shannah question, but this week, something came to my attention that I thought we should talk about instead. So many of you have sent in questions about budgeting, how to do it, how to make it work, and also some questions about how to manage the fears around budgeting - what if you go over budget and someone knows about it or judges you or shames you for how you spend your money. I’m glad you feel safe enough to share those thoughts with me. Money is emotional, and in everyday society, it doesn’t feel safe to talk about those emotions - maybe you don’t even correlate those feelings you have with the underlying cause - money. So that brings us to this idea of loud budgeting. It’s certainly a catchy phrase, but what does it mean, and will it work for you?
    Links
    The Science of Setting Goals article
    What Goal Setting Does to Your Brain article
    Publicly Announcing Goals Makes You Less Likely to Achieve Them article
    Loud Budgeting Article WSJ
    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm. 
    Episodes will be live on YouTube in March. Subscribe now https://www.youtube.com/@EveryonesTalkinMoney.
    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • Ah, love and money - since it’s the Month of Love, we need to talk about it. Love and money are complicated things that bring up so many different emotions and feelings that are very real. You know what I'm talking about if you’ve ever been in a relationship. And look, even if you don’t talk about money with your partner or keep separate bank accounts, those feelings are still simmering under the surface. That’s where my two friends, Heather and Doug Boneparth, come in. Yep, a couple who talks about money for a living. Doug is a CFP and founder of Bone Fide Wealth. You may recognize him from CNBC and countless articles in popular publications. Heather, his wife, is a “celebrity” in her own right as a writer and former corporate attorney who now runs business and legal affairs for their company. She and Doug have joined forces to create their popular newsletter, The Joint Account, and are working on a second book, navigating the power struggle over money in relationships. In this episode, we collectively roll up our sleeves to have a fun and insightful conversation about how to practically navigate these power struggles and dive deep into some of the most common issues couples have around money, like what to do if one partner wants to splurge on something and the other is admittedly against it. Been there and done that one. If you’re in a relationship or looking to get into one, this episode is just what the Love Dr. ordered.
    Links
    The Joint Account newsletter
    Be interviewed by Doug and Heather - [email protected]
    Bone Fide Wealth
    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.

    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • Occasionally, I love to bring you interviews from podcasts where I'm a guest. I was recently on the Catching Up to FI podcast talking all about money trauma. With Bill and Becky, Catching Up to FI's hosts, I dig deep into the subject of money trauma, exploring their impact on individuals, relationships and overall financial health. I offer practical strategies for identifying and healing from these traumas. I also emphasize the importance of understanding our relationship with money and suggest helpful practices like journaling to gain better insights and manage these relationships effectively. I hope you enjoy this special episode, and head over to Catching Up to FI's podcast to listen to more of their great interviews.

    Links
    Catching Up to FI's website + podcast
    Buy them a cup of coffee
    Payoff Study About Money Trauma in Americans
    CUtFI Episode with Manisha Thankor

    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm. 

    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • In this enlightening solo episode, I invite you to explore the world of budgeting with joy. Contrary to the common perception, I want to show you that budgeting isn't restrictive but rather a liberating force that can help you realize your dreams and financial goals. As a seasoned expert in financial planning, I'm here to share my invaluable insights on reframing your mindset toward budgeting. By sharing personal anecdotes and my 'one, two, three' system, I aim to guide you on a journey to confront your money fears and adopt incremental changes leading to significant improvements in your financial health. If you're looking to shape your financial destiny and break free from fiscal fears, this episode is perfect for you.
    Links
    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.
    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • How many times have you said the following, “I’m really going to focus on saving money this year,” only to find yourself doing quite the opposite? And then there are those sneaky costs in your spending, like countless subscriptions you might not even be using. As our guest, Anne Lester, a retirement expert, media commentator, top-rated speaker, and author of the new book Your Best Financial Life: Save Smart Now for the Future You Want, says most people feel like they don’t have enough money to do the things they want to do, so saving money isn’t a priority. It’s not your fault; you are wired to want nicer things. You are wired to spend money to make yourself feel better - back to my point that money is emotional. Have you ever heard of the hedonic treadmill? It’s the idea that getting nicer things and spending more money doesn’t equate to happiness in the long term. So, if spending more money doesn’t mean more happiness, why not focus on learning how to become a better saver to afford the things you want to do?
    In this episode, Anne shares:

    How to master saving money in 2024

    Why you need to consider a subscription cleanse

    Ways to build good savings habits like not spending your entire raise

    How to use your money personality to help you become a better saver

    Links
    Your Best Financial Life book
    Anne's website
    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.
    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App Store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
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    Topics covered: Financial Self-Control, Savings, Spending, Money Management, Hedonic Treadmill, Oversubscription, Subscription Habits, Financial Goals, Personal Values, Money Mistakes, Luxury Indulgences, Investment Journey, Compound Returns, Millennial, Gen Z, Financial Personality Types, IRA Setup, Money Trauma Management, Financial Tactics, Personal Wealth Challenges, Saving Money, Financial Habits
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  • We throw around words like financial literacy, but what does it really mean? If you’re like me, you didn’t grow up learning about money in school and what your parents taught you; I guess you still had many questions when you got to the big, bad, real world. So you were left to figure out how to money on your own, stumbling through paying off debt, saving, and investing money. But is money really that complicated after all? Our guest, Vince Shorb, founder of the National Financial Educators Council, says that the biggest misconception about money is that it’s complicated. If we at least learn the basics, we’ll do pretty well. In this episode, Vince is sharing what it means to be financially literate (and don’t worry if you’re still learning about money, we all are) and why it’s so important that you teach your kids about money from an early age so we can all collectively change financial literacy for future generations.
    Links
    National Financial Educators Council
    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.
    Timestamps
    (00:10) Financial Literacy's Impact on Emotional Health
    (08:17) Teaching Kids About Money Importance
    (19:10) Parental Beliefs and Money Conversations
    (26:11) Unveiling the Basics of Financial Literacy
    (37:22) Vince and the Financial Education Council

    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • In this episode of Ask Shannah, I’m answering a question from Laquita. “Shannah, your podcast has saved my life. I can’t tell you what a mess I was before. I felt all over the place and wasn’t motivated, even though I wanted to change things. I was recently talking to my girlfriends about money and how some people, you know who I’m talking about, I’m sure, say we have to follow rules. It just doesn’t feel right to me. I thought it might be interesting to have an episode about some money myths that we’re told are true but aren’t. Thanks again. I recommend your show to everyone…I’m even a bit aggressive about it."
    Links
    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.
    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App Store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • What does it mean to have a financial plan? Is it something that we all need? Ethan Ho, a CERTIFIED FINANCIAL PLANNER™ from Oahu, Hawaii, is here to share the ins and outs of having a financial plan. One of my favorite takeaways from Ethan is where he describes your finances to a plant. As you can see, Ethan and I share a very common belief about money. You need to give it some TLC occasionally and create a plan that works for you and the life you want to live. So how do you do that? Well, Ethan’s sharing the details behind a financial plan, how you can create one, and what to do when life throws you some curveballs and the planning doesn’t go as planned. We also talk about my love of Hawaii, and Ethan shares his favorite guilty pleasure meal if you find yourself in Ohau.
    Links
    Ethan on Instagram
    Ethan on LinkedIn
    Kala Capital Partners
    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.

    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • Getting engaged can be a stressful time and a very expensive time. When do you propose? Who proposes to whom? How much money should you really spend on an engagement ring? What if you’ve never really talked about money before? These are just a few questions that our guest Kat McCoy, a hopeless romantic and the owner of Best Kept Jewelry Concierge and Proposal Prep, is here to help you with. I share this story in the episode, but when I got engaged to my husband, Jeff, we mutually bought the engagement ring; I picked it up and then put it on the counter when I got home. Jeff said, “OK, what am I supposed to do with this thing.” I was like, I don’t know, I guess you are supposed to propose. We laugh about it now, but the dynamics of the engagement process, even though exciting, can be stressful and anxiety-filled. In this episode, Kat breaks down the narrative around who proposes to whom, whether your engagement ring is an investment and some important love and money questions to ask your future spouse…before you walk down the aisle.
    Links
    Proposal Prep
    Best Kept Jewelry Concierge
    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.

    Timestamps
    (00:00) Navigating the Engagement Process
    (06:54) Choosing and Budgeting for Engagement Rings
    (16:13) Engagement Rings and Proposal Dynamics
    (21:30) Sustainable and Meaningful Jewelry Options
    (26:55) Engagement Ring Shopping and Proposal Tips
    (30:41) Key Steps in Choosing a Jeweler

    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • How do you really save money? The average American has 5-7 accounts, and that can be a lot to remember; as our guest Brian Hamilton says, it's a cognitive load and creates financial anxiety. However, when saving money, the secret is to work with what you have and create some healthy savings habits. You know how important saving money is, but when it comes down to the actual act of saving, it can be a tricky thing to master. Our guest, Brian Hamilton, is the Co-Founder and Chief Executive Officer at One, a digital challenger bank focused on restoring financial health for middle-class families through innovative credit and savings products. In this episode, he’s sharing how you can automate your savings to take conscious decision-making out of the process, and a few other stellar tips on saving some serious cash this year. By the end of this episode, you’ll get your brain fired up to create healthy savings habits.
    Links
    One
    How to Close Your Traditional Bank Account article
    How Does One Compare to Other Banking Services

    Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm.

    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App Store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • What choice do you make when the numbers don’t make sense? Do you give up, or do you get to work? Our guest, Mignon Francois, is a self-made black female entrepreneur who beat all the ads and turned her last $5 - the only way she could feed her family- into a multi-million dollar cupcake empire. Mignon’s story is super empowering but an example of how you can take a skill you might take for granted, like making cupcakes, and change everything financially for you and future generations. In this episode, we talk about Mignon’s practical steps to turn your talent into financial freedom, what to do when you’re stuck in chronic money stress, how to find the courage to try something different, and tips to launch a profitable business with one of your talents. Her story and message are going to blow you away.
    Links
    Made From Scratch book
    The Cupcake Collection
    Mignon on Instagram
    1:1 Emotions-Focused Money Coaching with Shannah. You can sign up for the waitlist at https://etmpod.link/moneycoaching to grab an open spot.
    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    How To Connect with Shannah:

    Download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq 

    Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ 

    Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq 

    Leave a 5-star Review here https://ratethispodcast.com/etm 


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  • Have you ever thought, “I’m doing all the “right” things with my money, but I’m still not achieving my goals. What’s going on?” This kind of thinking is very common, and I hear it repeatedly with my money-coaching clients. The truth is we all have some emotional baggage with money. Why? Well, because you are in a relationship with money, for better or worse, that causes some gunk to get built up that needs to be released so you can create healthy money habits and beliefs. Dr. Bradley Nelson, one of the world’s foremost experts on natural methods of achieving wellness and author of the best-selling book The Emotion Code, is joining us in this episode to talk about releasing trapped emotions so you can bring in abundance and money success. This topic might seem out there for you, but hang with me. I guarantee you are going to learn something about yourself in this episode. We talk about what causes emotional money baggage, some practical ways to lower money stress, and how you rewire all those negative money beliefs that keep you stuck. 
    I invite you to check out my 10 Mindful Money Questions to Ask Yourself freebie at https://etmpod.link/10moneyq. Also, if you’re looking for 1:1 Money Coaching with me personally, you can sign up for more information at https://etmpod.link/moneycoaching.
    Links
    The Emotion Code book
    The Body Code book
    SPONSORS
    Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
    Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
    Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM. 
    Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
    Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
    Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
    How To Connect with Shannah:

    Download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq 

    Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ 

    Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq 

    Leave a 5-star Review here https://ratethispodcast.com/etm 


    Learn more about your ad choices. Visit megaphone.fm/adchoices