Everyday Money with Hannah Moore

The stock market's been in the news a lot recently, and not for good reasons. Take a look at any recent financial report and you'll see lots of companies reporting losses (sometimes significant ones!). The stock market can be complicated, and it offers both risks and rewards. There are ways to invest in it that minimize the risks, but it's just as important to find ways to maximize the potential rewards. So what's the best way to invest in the stock market when stocks are down? In this episode, I cover the pros and cons of investing stocks, including real-life examples and tips pulled from my years of experience as a Certified Financial Planner™. Where to find me:  BudgetingBlocks: livewealthynow.com/budgetingblocks Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

A Health Savings Account can help you prepare for potential healthcare expenses and limit the impact they have on your finances. If you have a high-deductible health insurance plan, you probably have the option to contribute to an HSA. The best thing about HSA funds is that they are tax-free! As long as you spend the money on legit healthcare expenses, you won't pay federal taxes on contributions, earnings, or withdrawals.  In this episode, I cover all the basics of HSAs. I've got some real-life examples and tips for making the most of your Health Savings Account. Where to find me:  BudgetingBlocks: livewealthynow.com/budgetingblocks Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

January is the perfect time to reflect on your spending from last year and make a solid budget for 2023. But what does that actually look like? Is it all about trying to find places to cut back and spend less? Not necessarily. I think it's just as important to find places of positive spending. I encourage my clients to reflect on expenditures that brought them joy or helped them prepare for the future.  This episode covers all the basics of analyzing your spending and building a budget for 2023. I've got tips for avoiding spending guilt and creating a realistic plan for your money.  Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

If you're preparing to welcome a baby into your life, you might have considered the day-to-day financial implications. Diapers, formula, doctors' visits, all the things that a baby needs. But have you thought about the big picture financial considerations?  As a Certified Financial Planner™, I see so many new parents missing out on these important financial considerations, like having life insurance, disability insurance, and a will! In this episode, I'll discuss a few key financial elements I believe everyone should have in place when having a child. Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Are you thinking about starting a family — or growing the one you have? That's exciting!  Of course, as we all know, babies come with some extra expenses. But I've discovered that many new parents overlook some really costly elements in their family budget when they go on parental leave — like health insurance. Watch this video to hear more about what expenses you should budget for before having a baby. Where to find me:  BudgetingBlocks: livewealthynow.com/budgetingblocks Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Do you budget? Or are you just “aware” of your money?  Most people don't use strict dollars-and-cents budgets, but they're still aware of where their money goes. But depending on which phase of life (and money) you're in, it might be helpful to budget. Do YOU need a budget? And where do you start?  Listen to this episode to discover the two phases of our financial life and whether or not a budget will help you where you are. Where to find me:  BudgetingBlocks: livewealthynow.com/budgetingblocks/ Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Sometimes, big purchases come in waves. Recently, my husband and I got hit with a triple threat: we needed a new air conditioner, we needed to purchase a van for our soon-to-be family of five, and we needed to do a few outside renovations on our house before the city fines us.  But one of the things we struggled with was deciding whether to pay cash for these purchases, wait on one or two of them, or finance what we couldn't afford right now. In this episode, I'm walking you through how we prioritize and decide on these expenditures.  Where to find me:  BudgetingBlocks: livewealthynow.com/budgetingblocks Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Have you ever read a book or watched a video from a personal finance guru and walked away feeling a little bit dumb? You're definitely not alone. But the thing is… there is no one way to build financial success because there is no SINGLE definition of financial success! So instead of giving you another how-to guide with a one-size-fits-all narrative, I want to chat with you about how to create a roadmap to wealth that works for you!  Where to find me:  BudgetingBlocks: livewealthynow.com/budgetingblocks Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

It's easy to get frustrated if you're not where you want to be in life.  We all have goals for ourselves and it can feel disheartening when we're not reaching those goals as quickly as we want. However, there are steps you can take to audit your current situation and break down an action list of steps you can take to reach your goals.  Let's talk about what to do when you feel like you're not making progress (especially with your money) — and how to change that. Where to find me:  BudgetingBlocks: livewealthynow.com/budgetingblocks Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Do you budget? Or are you just “aware” of your money?  Most people don't use strict dollars-and-cents budgets, but they're still aware of where their money goes. But depending on which phase of life (and money) you're in, it might be helpful to budget. Do YOU need a budget? And where do you start?  Listen to this episode to discover the two phases of our financial life and whether or not a budget will help you where you are. Where to find me:  BudgetingBlocks: livewealthynow.com/budgetingblocks/ Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Do you want to diversify how you invest and save your money? With the current economic downturn, you might be thinking about ways to invest your money and expand your portfolio. Inflation has shown us that just saving money isn't the way to go — $100 at the grocery store doesn't go nearly as far as it used to.  But what do these investment terms like “stocks and bonds” actually mean? In this episode of the Everyday Money with Hannah Moore podcast, I'm giving you an in-depth explanation on these terms and how to use them to your advantage. 

We all dream of getting rich quick, but… How many times have you heard of a sports player losing all their money FAST? Or maybe the tale of the lottery winner that gambled away their millions practically overnight.  One thing's for sure — there are so many stories about people that have lost their wealth as quickly as they gained it. And while you might not be planning to come into a large sum of money right now, it's always a great idea to be prepared for the most unexpected of circumstances. Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

I've been an entrepreneur for a decade now, and even as a Certified Financial Planner™, I've made a few financial mistakes in my time! I think entrepreneurs are in an extremely unique situation. The fact that we have control over our business can often lead to the illusion of low risk. But actually, your risk is as high or even higher when it comes to your finances!  Tune into this episode to learn about the top 3 mistakes I see most entrepreneurs make with their money and how you can avoid them.  Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Do you know the difference between financial goals and financial values? And better yet… do you know how they intersect with our everyday life?  If there's one thing I've learned as a financial planner, it's that change is inevitable. So why do we focus so heavily on goals, which are subject to change, instead of focusing on the VALUE of what we want to do with our money?  In this episode, I'm breaking down the basics of financial values and why they matter more than financial goals.  Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

As a Certified Financial Planner™, I can talk all day about how to reach your financial goals. Budgeting, investments, insurance, tax strategies, you name it.  But as a CFP® who has worked with clients for over a decade, I know that these financial strategies aren't everything. In fact, in my opinion, financial strategies without a solid financial mindset aren't going to be much help.  You can do all the right things, but if your mindset isn't in the right place, they might not work out. This is why it's a good idea to blend tactics + mindset — and I will show you how. In this video, I dig into the importance of understanding your money scripts and how to address those so you can better use financial strategies provided by an expert. Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Change is the only constant in life, they say. But that doesn't mean change is EASY. When things change in your life, it inevitably affects your finances — and vice versa. That's why I think it's so important to talk about transitions in life and how they affect your money. In this episode, I'm giving you my favorite simple tool to navigate any transition and prepare yourself for what's ahead, without drowning in the burden of overwhelm.  Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog BudgetingBlocks™: livewealthynow.com/budgetingblocks/ Instagram: Hannah Moore (@everyday_money)

What your grandparents believed about money will affect what you believe about money. The way your parents see money affects the way you see money. And if you have kids, all those influences will affect how you teach YOUR kids about money.  Ingrained beliefs about finances in a family can affect the next FOUR generations. That's why, in this video, I'm talking to you about how you can shift your financial beliefs to set the next generations of your family up for the most success possible. Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog BudgetingBlocks™: livewealthynow.com/budgetingblocks/ Instagram: Hannah Moore (@everyday_money)

In any industry, there are going to be professionals who disagree about the best way to do their work or deliver their service. Dentist disagree about which cavities need filled, accountants disagree on software, and some finanical planners disagree on what services they offer their clients. And that's totally fine! But in the interesting of helping people understand their money and plan for their financial future, there are a few things that financial planners and financial advisors do that MIGHT be a red flag. In this episode of the Everyday Money Podcast with Hannah Moore, I'm shedding some light on 5 things I wish other financial planners would STOP doing. Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog BudgetingBlocks™: livewealthynow.com/budgetingblocks/ Instagram: Hannah Moore (@everyday_money)

Does sticking to a budget feel impossible? Maybe you've tried working with a financial planner or money coach before, and haven't been able to maintain any budget that planner set.  What if I told you that the problem isn't you — it's the budget? See, most people don't think in numbers and spreadsheets the way CFP® professionals are taught to. That's why I created my BudgetingBlocks™ — to give everyone a way to visualize their money!  Watch this episode of the Everyday Money with Hannah Moore podcast to learn what makes the BudgetingBlocks™ so different, and how you can use them to revolutionize your money!  Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog BudgetingBlocks™: livewealthynow.com/budgetingblocks/ Instagram: Hannah Moore (@everyday_money)

Have you ever found yourself making a budget… only for it to fail within days?  That's totally normal! And honestly, the reason is sneakier than you might suspect. If you're the kind of person who struggles to make (and keep) a budget, this episode of Everyday Money was meant for you! Join me as I discuss the main causes of budget failure — like I said, it's not what you'd think! — and what you can do about it.  Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Have you ever heard about generational wealth? You've probably heard about it in some way, shape or form, but what does it really mean? And who has it? And how do YOU build it? Most people are shocked when I say that generational wealth doesn't start with the dollar signs. It starts with your mindset and with understanding what it is you TRULY want to pass down to your children and the generations to come.  And then we get to the money

Sometimes it can feel like financial advice is coming at us from all angles, and from all kinds of people. But how do you discern good financial advice from bad?  The truth is that not every person is going to give you great advice… but people also don't *have* to be financial planners in order to tell you something that will really work!  In this episode of the Everyday Money with Hannah Moore podcast, I'm going to be breaking down how to tell who you should take advice from, and when! Even if they aren't financial planners.  Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

When you're just starting your career and you're just starting to make a “decent” living, you might find yourself being torn between NOW and THEN.  We all want to enjoy what we're doing now, but if you want to start a family or have big plans for the future, you might find yourself stalling on enjoying things in the moment. As a working mom who used to plan (rigidly) for her future family, and someone who works with young women in my profession often, I would love to offer some advice for anyone thinking about their career and the impact a future family will have on it, or the other way around.  This episode of the Everyday Money podcast is going deep into how you can plan for your future family while also honoring your current career goals.  Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

When you think about happiness, what's the first thing that comes to mind? It probably has something to do with money, right?  But what if I told you that proper money management isn't the key to happiness… and that it's actually the other way around? In this week's episode of Everyday Money with Hannah Moore,  I'm going to talk about why happiness is the key to proper money management.  Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Do you think wealthy and well-off are the same thing? Think again!  The truth is that these two terms, while often used interchangeable, are much more nuanced than most people realize. In fact, well-off is much more of a facade than truly wealth — but what is the difference?  And how can you choose to live in wealthy instead of simply being well-off?  In this week's episode of Everyday Money with Hannah Moore,  I'm going to talk about the definitions of wealth and well-off, what the nuances between them are, how to choose wealth, and why sustainability of lifestyle is more important than a number Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Everyone needs a budget, right?... no, actually. Some people do just fine with a rhythm and flow to their finances, and don't need to pay attention to where every penny is going.  In this week's episode Everyday Money with Hannah Moore, I'm going to tell you when you MIGHT need a budget and why. I'll also cover when a budget might not be right for you, and what to focus on instead. Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Financial planning is just for older people nearing retirement… right?  That couldn't be further from the truth, actually.  Of course, my profession has a “traditional” way of working — and it might seem like most of them are only working with older people who are nearing retirement. The key, though, is to find a financial planner who understands your specific stage in life. Because, at the end of the day, there ARE a few key differences in the way a financial planner should plan for a millennial versus a Gen X or retired person. Make sure your financial planner is aware of and looking out for these key differences so that you can have the best money plan possible!  In this episode of Everyday Money with Hannah Moore,  I'm going to talk about what those differences are, what a financial planner should be doing to meet your needs as a younger person starting their financial journey, and how you can best prepare your financial future starting now.    Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Before you make that next big purchase, take a minute to think about your overall financial picture. Do you know how much that new payment will affect your monthly finances? Do you have the cash on hand to pay for it all upfront? If you're not sure, I'm sharing the tools you need to make that conscious, money-smart decisions. In this episode of Everyday Money with Hannah Moore, I'm going to talk about two important factors to consider when making a big money decision – cash flow and net worth – and how you can build a decision-making framework that will help you confidently make your next purchase.   Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Are you ready to buy a home? I mean… REALLY? In our rising interest rate environment, it's more important than ever to have a plan and ask the right questions before you make it to the closing table. You'll want to know how your mortgage rate is being affected, and what you'll need to prepare in order to make those quick decisions when putting down an offer.  In this week's episode of Everyday Money with Hannah Moore, I'm giving you a to-do list of everything you'll want to think through and figure out when beginning the home buying process. I'll include some simple practices that you can do right now and some questions you'll want to ask yourself and your realtor. Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Are you buying a home or thinking about doing so in the near future? I've got a checklist of what you'll need to protect yourself, your home, and anything you've got inside it. What new, or even repeat, homeowners might not realize is that there are several different insurances and policies that you can put in place ahead of time to protect your best interests (and your assets). These things save headache, heartache, and cold-hard cash. They're the best-built protection plan you can have.  In this week's episode of Everyday Money with Hannah Moore, I'm going to give you some tips to make your home-buying adventure go much smoother. They might not be the sexiest of topics to talk about, but insurance can make the difference between keeping a roof over your head or not.   Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money) • Instagram photos and videos

It's nobody's favorite conversation…but it's an extremely important one! We're talking about M-O-N-E-Y. Society has basically trained us to believe that we shouldn't talk about money. It's rude or tactless. Because of this, though, we're not talking about money at all — and that can lead to some huge mistakes and guilt. But we ALL deal with money on a daily basis, so why can't we talk about it? In this week's episode of Everyday Money with Hannah Moore, I'm going to do what society has told us not to do: talk about it! I'll walk through some reasons money has us tongue-tied, and some resources that might help break you out of that pattern. Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

What should you be doing with your money? Well, that depends on who you talk to. But the truth is, there are 4 major things you can do with your money: spend it, save it, invest it, and give it. Seems a little crazy to boil it down to just that, but it's the truth!  These four money management “strategies” comes from the brilliant financial mind of Mac Gardner, whose book The Four Money Bears gave me the opportunity to reframe balancing your money in an easy and accessible way.  Want to learn how to leverage these four strategies with your money so you feel in control and moving in the right direction? Watch this episode of The Everyday Money Show with Hannah Moore, where I'm breaking down each money method and the dangers of committing to one over another.   Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Choosing how you spend your money goes beyond percentages and strict budgets. We spend our money based on our values, too. The things we value in life and in our careers drive how we see our money, and the decisions we make. If you find yourself spending money in ways that don't feel good — or you want to really save for something important to you, it starts by understanding your values.   In this week's episode of The Everyday Money Show with Hannah Moore, I'm going to walk you through some exercises to help you identify your values, and demonstrate how they apply to your finances as well.   Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

Are you rooted in your financial reality? Or are you only focused on the future of your money? If we want to live wealthy NOW, the first step is grounding yourself in financial reality. This means appreciating where you're at right now and being grateful for what your money allows you to do right now. For many people, it's easy to feel like you need to strive to a stage that you aren't ready or prepared for yet. It's time to focus on the now. In this week's episode of The Everyday Money with Hannah Moore Show, I'm breaking down examples of what it means to be grounded in your financial reality and what happens when you aren't.    Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

In this week's episode of Everyday Money with Hannah Moore, we're talking about how to control what we can and improve our own circumstances when the news and market updates get scary. Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

The economy? The stock market? Inflation and interest rates? Let's talk about a few of everyone's LEAST favorite things in a way that you haven't heard before. This week, we're talking about what's really going on with our economy.  I totally understand that hearing about “impending recessions” and “crashing markets” can be overwhelming, which is why I'm here to walk you through why this is expected — and why it's not necessarily a bad thing. Understanding where we've been, where we are, and where we're going is an important part of ensuring your financial success.  So strap in, take a breath, and watch this week's episode!    Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)

What do financially successful people do that you don't? The truth might surprise you. Introducing…Everyday Money with Hannah Moore!  I'm on a mission to show you what you can do with your money NOW so you can live wealthy NOW (not just later!). I'm here to bust some money myths and address some of the bad financial advice out there, so you can define “wealth” for yourself. In this first episode, I talk about the secrets of financially successful people — and how you can do what they do (without a ton of money). I'll talk about avoiding the mental fatigue that comes with wondering what to do with your money and how to make sure your money goes where you want it to. Settle in and watch this quick episode — and let me know in the comments which tip you're going to implement this week.   Where to find me:  Website: livewealthynow.com Blog: livewealthynow.com/blog FREE resources: livewealthynow.com/resources  Instagram: Hannah Moore (@everyday_money)