Making Your Money Work

The old Chinese proverb is something along the lines of "The best time to plant a tree was 20 years ago, but the second-best time is now." The same could be said when it comes to investing. Season one of the More Than Money podcast wraps up with one of the simplest, yet most important investing lessons out there. Start early! Have you enjoyed these quick investment lessons from Season One? Leave us a review or follow the Sqwire team on social media and let us know! Connect with the Sqwire Team and learn how financial wellness can positively impact your day-to-day life and business. *This episode does not constitute financial advice and is for informational and educational purposes only.

One of the most common questions that we get is “what is the difference between Roth and regular 401ks?” and “how do I determine which I want?” As more companies offer their employees the choice between a Roth and Regular 401k as a part of their benefits package we thought it was time to break down the difference between the two. 0:49 The question that determines what you should choose between a Roth and Regular 401ks 1:30 How Roth and Regular 401ks are similar 2:23 How Roth and Regular 401ks are different 3:14 Pre-tax accounts and planning retirement 4:03 Things to consider when determining how taxes will impact your money in retirement 4:58 Making the decision between Roth and Regular Connect with the Sqwire Team and learn how financial wellness can positively impact your day-to-day life and business. *This episode does not constitute financial advice and is for informational and educational purposes only.

“Sometimes people are reluctant to start investing and a 401k is perhaps the simplest way to just get started because all the work is done for you by your company.” The days of companies offering pensions are seemingly gone, but the era of 401ks is here. If your company offers a 401k account, you were probably handed a stack of papers about it when you filled out the rest of your orientation paperwork. Did you take time to read through them? Are you taking advantage of the opportunity your company provided you with? If you are pat yourself on the back. If you aren't there's still plenty of time to get yourself signed up and This week Casey and Danijel chat 401ks, why Casey loves them, and how you’re losing money if you’re not taking advantage of the 401K you're being offered. 0:49 What’s to like about a 401k 1:44 Contributing to a 401k is investing too 3:07 Free money aka company match 4:21 How valuable is a 401k? Connect with the Sqwire Team and learn how financial wellness can positively impact your day-to-day life and business. *This episode does not constitute financial advice and is for informational and educational purposes only.

The rule of 72 might seem a little confusing at first, but once you’ve got it down it is actually pretty simple. When you apply it correctly it will tell you how long it will take you to double your money with your current investment (or how long it will take for that credit card bill to double… yikes). Casey and Danijel explain how the Rule of 72 works and how you can use it. 0:28 How does the Rule of 72 work 0:40 Rule of 72 math 1:21 Calculating the deterioration of your money 1:47 Calculating Investment fees 2:11 Rule of 72 and interest 2:53 Reversing the formula Connect with the Sqwire Team and learn how financial wellness can positively impact your day-to-day life and business. *This episode does not constitute financial advice and is for informational and educational purposes only.

By definition “SIPC protects against the loss of cash and securities- such as stocks and bond- held by a customer at a financially-troubled SIPC-member brokerage firm.” If you’re an investor there are a few things you need to make sure you know about SIPC insurance as you go about your investing journey. Casey Halliley joins Danijel to break down what every investor needs to know about SIPC insurance. 0:20 Brief Overview of SIPC Insurance 0:41 How does SIPC Coverage Work? 1:19 Coverage limits 1:36 SIPC vs FDIC 2:13 Maintaining Faith in the Financial System 2:33 Does SIPC protect me against market fluctuations 3:20 Protecting Yourself with Over $500,000 4:21 History of SIPC Claims 5:04 Tips for Protecting Yourself More on SIPC Connect with the Sqwire Team and learn how financial wellness can positively impact your day-to-day life and business. *This episode does not constitute financial advice and is for informational and educational purposes only.

What if you had an “extra” paycheck just show up in your bank account one month? How would you use that extra money? You could put an extra payment towards debt, you could put it in your rainy day fund, or simply buy that new thing you’ve been wanting. In 2021 if you’re lucky (or get paid bi-weekly) you could be getting an “extra” check on a few occasions. As we wrap up 2020 on the More Than Money podcast Casey digs into how some people might seem like they’re getting “extra” paychecks on more than one occasion in 2021. As you set your financial goals for send us a note and let us know! Leave a five-star review and let us know what your goal is and one topic you you want us to cover on an episode and we will read it on air! *This episode does not constitute financial advice and is for informational and educational purposes only.

When you meet with a financial advisory for the first time you're probably going to have a laundry list of questions to ask. But there's one question that is more important than others. Are they a fiduciary? Before we can dig into why this question is important you need to understand what a fiduciary is. Casey Halliley breaks that down in the sixth edition of the More Than Money podcast.

You just decided it’s time to start investing your money but you don’t know what type of account to start with. You've been handed what looks like a menu of options and immediately you regret your decision. It doesn't need to be this way! Don’t get intimidated by all the choices, just take a few minutes to understand what you are looking for. Casey Halliley is back to break down some of the most popular types of accounts and what you might want to look into! Episode Breakdown: 1:25 What are the different types of accounts 1:56 IRAs 3:46 Joint and Individual accounts 4:15 Pre vs post tax 4:44 Rollover accounts 5:44 Investment restrictions 6:40 Business accounts 7:15 Final thoughts *This episode does not constitute financial advice and is for informational and educational purposes only.

Robo Advisors. They seem to be everywhere these days. From TV ads to your social media to your annoying cousin who keeps talking about the latest stock he bought and what it’s doing (we all have that one person who does that but actually has no idea what they’re doing). If you’re trying to understand just how these work you’ve come to the right place. Casey Halliley is back to break robo advisor’s down in quick fashion to help you out! Episode Breakdown: 0:33 What is a Robo advisor? 1:15 How do you use a robo advisor? 2:47 What are the different types of robo advisors? 4:51 Are robo advisors safe? 5:41 Who are they good for? *This episode does not constitute financial advice and is for informational and educational purposes only.

If you’ve waded into the world of buying and trading stocks it’s a very good chance that you’ve come across the term ETF. ETF stands for Exchange traded funds. But what exactly does that mean? Simple answer, it’s like a basket of stocks. But don’t get confused because there are indexes and index funds. Seem confusing? Casey Halliley is back to break ETFs down in quick fashion to help you out! Episode Breakdown: 0:25 What does ETF stand for? 0:39 The difference between an index and an index fund 1:39 What doe ETFs track 2:19 Simple answer to “What is an ETF?” 2:32 ETF vs Mutual Funds 4:10 Are ETFs cost effective? 4:46 Pros and cons of ETFS 6:20 ETF fun facts Is there a topic you’re trying to learn more about that you want Casey and Danijel to cover? Send us a message on your favorite social media @SqwireLife. Looking to learn more about the impact customizable financial wellness programs can have on your company? Get in touch with the Sqwire team here.

The IRS recently announced the contribution limits for IRAs in 2021 are staying flat at $6,000. Before you can start to understand what that means though you need to make sure you know what an IRA is and the different types. 0:50 - Understanding an IRA? 1:45- Roth vs. Traditional IRAs 2:00- Contribution Limit for 2021 2:23-What does the contribution limit mean 2:49 - Catch up contributions 3:06- How often do limit increases occur 3:33- Who can contribute to an IRA? 5:02-Three quick tips to consider Is there a topic you’re trying to learn more about that you want Casey and Danijel to cover? Send us a message on your favorite social media @SqwireLife. Looking to learn more about the impact customizable financial wellness programs can have on your company? Get in touch with the Sqwire team here.

“You should start buying stocks.” “Stocks are a great way to grow your wealth.” “I made (fill in the blank) last week when I sold that stock.” These are all things we’ve heard people say. With investing becoming more and more accessible each day due to apps like Robinhood and Acorns it’s important to understand how the stock market works and what you’re doing before you start investing. Sqwire VP of Finacial Education Casey Halliley joins host Danijel Velicki to break down just how the stock market works in rapid fashion. 0:34- What is a stock? 0:48- How do you make or lose money with stocks? 1:52- What is a dividend and how often is it paid? 2:04-Stock tickers 3:00 - Three ways stocks are grouped 5:29- Stock exchanges 6:25- Understanding Indexes Is there a topic you’re trying to learn more about that you want Casey and Danijel to cover? Send us a message on your favorite social media @SqwireLife. Looking to learn more about the impact customizable financial wellness programs can have on your company? Get in touch with the Sqwire team here.

Nancy Badillo spent the last 11-years working in digital marketing before diving into Etsy four years ago as a part of building a case-study. After a few stumbles early on Nancy was able to turn those experiences and knowledge into a stream of passive income from six different Etsy shops, as well as a career helping others launch and navigate their own Etsy shops. Nancy joined the podcast to wrap up Season 1 to share what she learned from her experiences, how you can avoid making the same mistakes she did, and tips for creating your own passive income through Etsy. Connect with Nancy: Blog: https://nancybadillo.com/ Email: info@nancybadillo.com Art Printables Etsy Course: http://bit.ly/2vUzHoO

The word legacy is defined as either " a gift of property, especially personal property, as money, by will; a bequest," or "anything handed down from the past, as from an ancestor or predecessor." When we think about what we want our legacy to be the first thought most people have is something along the lines of preparing their children and grandchildren to live a better life than they have had. But what steps are you taking to leave this type of legacy? Sam Knickerbocker focuses on "21st century financial strategies focused on helping establish a legacy of meaning." In this episode with Sam we dive into his up-bringing, the relationship he had with money, how that changed, and much more about the habits, mindsets, and behaviors surrounding money. Connect with Sam: https://samknickerbocker.com/

We live in a digital era where someone's first action when looking to learn more about a topic is to search on Google or social media. That means a website is often a first impression that dictates whether or not someone wants to do business or learn from you and your company. A bad or confusing website can lead to lost business and a missed opportunity to connect with like minded people. After starting to build websites as a side hustle, Shannon Mattern was able to quit her 9-5 and turn her side hustle into a full-time job. Mattern teaches soloprenuers how to build and maximize their websites as well as marketing their brand without spending thousands or even hundreds of dollars. Shannon talks about her path from side hustle to full-time, best practices for marketing and website building, as well as making valuable connections and how to bring value on both sides of that relationship. Connect with Shannon: https://shannonmattern.com/

"What's the best or fastest way to pay off all my debt?" That is one of the most asked questions from people researching personal finance topics these days. There's plenty of different methods and schools of thought on what the best or most efficient way to pay off all your debt is, but here at Sqwire we subscribe to the Dragon Slayer method, or paying off the debt with the highest interest rate first. But before we even start breaking down paying off debt do you understand the different types of debt? What's the difference between good and bad debt? What's the difference between simple and compound interest? These are all questions that Sqwire Founder and CEO Danijel Velicki breaks down in this episode of the podcast. Note: This audio was pulled from the weekly Zoom Webinar series called the Sqwire Sessions. We invite you to register for the next few weeks of calls for your chance to chat with Danijel and ask him all your pressing questions. Follow us on social @SqwireLife Register: https://bit.ly/SqwireSessions

When you hear investing the first thing you normally think is either Real Estate or the stock market. For Christopher Bauer an interest of his introduced him to a type of investing that was right up his alley. Classic Cars. Christopher joins the podcast to breakdown how to get started, searching out the best deals, expanding your cashflow and profits, and making the most of your time spent investing. What's one avenue of investing that you would like to learn more about? Leave us a review and rating and we will tackle it on a later episode!

Tyrone Ross could very easily be called the fastest man in finance right now. A former qualifier for the Olympic Trials in 2004, Ross transitioned from the track into the financial industry and has quickly become a titan in the field. After branching out on his own and leaving Merrill Lynch, Ross is a "financial consultant to young professionals, founders, and advisor to financial technology startups, and crypto assets investment manager." Ross joined the podcast to discuss his journey from the track to the financial fast track, what is crypto currency and why are so many people scared of it, and much much more. Connect with Tyrone: http://tyroneross.io/

Social media is an ever growing tool when it comes to creating and building a personal or company brand these days. Utilizing social media to the fullest of its capability has become one of the most important ways to capture the attention of customers, clients, and even just making connections. But capitalizing on the free resource that is social media can be a daunting task for some. All the algorithms, best posting time, decisions on what to post. It can cause stress as you're just starting out. In the end there is no better way to build your brand than just get started. This is where Alex Sanfilippo comes in. Alex Sanfilippo is the host of Creating a Brand, a top 20 entrepreneurship podcast where he interviews successful leaders and experts on topics that matter to entrepreneurs who want to grow faster both personally and professionally while saving time and money in the process. Visit CreatingaBrand.com to join the Creating a Brand Community and to accelerate your success! Connect with Alex https://www.facebook.com/alexjamessanfilippo https://www.instagram.com/ajsanfilippo https://www.linkedin.com/in/alexsanfilippo Liked what you heard? Leave us a five-star rating and a review! Let us know what you want to hear more about and how we can best help you make your money work for you!

Unemployment numbers have hit all-time highs and even if you haven't lost your job lots of people are having to adjust their budgets during the pandemic. When the CARES Act was signed it offered some relief for those with Federal Student Loans though. But as with everything else there always lots of wrong and confusing information floating around. Andrew Pentis from Student Loan Hero joined the podcast to break down the state of student loans, will loans be collecting interest, why it's good to keep paying your loan if you can afford to, and what to do if you have privately owned loans.

The CARES Act was passed and signed last Friday, creating several different financial opportunities for aid to people and companies impacted by the current COVID-19 shutdowns. Whether you are looking for the individual stimulus check from the bill, wondering how you will get the check or help with your business finances we caught up with Misty Leinberger from Pixel Financial Group to cover everything related to the CARES Act. Still have questions or confused about something? Hit us up on social media @SqwireLife and we'll do our best to help out. Things are crazy and we're here for you!

This episode is an audio version of a webinar hosted by Sqwire Founder and CEO Danijel Velicki in partnership with Brandon and Stuart Dukeman from the Wealth Junkies. The discussion in this episode centers around tips for small business owner during the current pandemic or any other crisis' that might happen. If you have any questions that weren't answered or something that you want more information on let us know! Follow Sqwire on social: @SqwireLife Follow the Wealth Junkies: @wealthjunkies

The screeching halt of business for lots of people brought on by the COVID-19 virus has created issues for people across a lot of different industries. Athletes are one of those as leagues have both postponed and cancelled. Sqwire founder Danijel Velicki sat down with A Frugal Athlete Founder and pro soccer player Amobi Okugo to discuss some of the issues that face not only athletes but everyone. Ranging from budgeting in crisis time, to building a brand the conversation hit on lots of different topics before wrapping up. If you're facing hardship or uncertainty from the coronavirus we'd love to help! Let us know what issues or questions you have and we will do our best to answer them.

Mortgage rates hit levels that were nearly unseen before the Corona Virus pandemic hit. Rates jumped up a little bit after the Federal Reserve cut rates to 0% BUT if you're looking for or even considering about needing a mortgage within the next little bit you might as well use the time you're locked away to get prepared. Senior Loan Office Bill Lane from Southern Trust Mortgage joined the podcast to breakdown what's going on with the rates, what the Fed cuts mean for rates, and everything mortgages.

When Stefon Walters graduated from the University of North Carolina with a degree in economics he felt there needed to be a change in the way personal finance was taught and perceived. What started as blogging on the side eventually led into a full blown book, and the creation of Finessin' Finance. Stefon joined the podcast to discuss why so many people think finance is boring, what makes money a taboo topic no matter what your situation growing up, and much more.

During his five-year tenure in the NFL Jeff Locke became the go-to man for financial advice for his teammates. The Minnesota Vikings fifth round draft pick in 2013 joined the podcast to talk his journey into the financial education field, exploring why athletes go broke, how he’s help current NCAA athletes manage their scholarship money, and why money has become a taboo topic that no one seems to want to talk about. Connect with Jeff on Twitter and Instagram. Let us know what your biggest take away from this episode was by finding us on social media @SqwireLife. Give us a shout if you have a guest you want to see on the show as well!

From a offensive lineman to the youngest police officer in the state to a multi-family real estate investor, and now a podcast host and half of the Wealth Junkies show, Brandon Dukeman has plenty of experiences to pull from so far in his 24 years. Dukeman's dive into real estate investing and a partnership with his father led to the creation of the Wealth Junkies, taking on financial education and helping anyone he comes across. An avid reader Dukeman drops his favorite books, how he's been successful in investing, brand creation, and much more. Connect with Brandon and the Wealth Junkies Listen to the Wealth Junkies

Music and Financial Education. They're the most natural partners right? For recording artist Carter Hulsey they definitely are! The rocker joined forces with Funding the Future to tour around the country putting on concerts, with a quick financial education lesson right in the middle. A native of Joplin, Missouri, Hulsey leans heavy on his personal experiences when teaching lessons ranging from Credit Scores to a 401k to middle and high school students. Hulsey brings his passion and unique view point as a musician turned financial educator to the podcast. The musician hits on topics from the best and worst questions asked, to how the financial education landscape can be changed in the future. Connect with Carter: www.carterhulsey.com More on Funding the Future: https://www.fundingthefuturelive.org/

In the United States over 45 million people combined to have more than $1.5 Trillion in student loan debt in 2019. It's a topic that is always in the news, but too many times is misunderstood or pushed to the side. Travis Hornsby, founder of Student Loan Planner, joined the podcast to discuss paying off student loan debt, misconceptions around debt, refinancing, and anything else you could want to know about your student loan debt. Travis Hornsby is the founder of Student Loan Planner and the host of the Student Loan Planner podcast. To date, Student Loan Planner has consulted on over half a billion in student debt. Travis is a Chartered Financial Analyst and brings his background as a former bond trader trading billions of dollars. He brings that same intensity to analyzing the best repayment paths for graduate degree professionals with six figures of student debt. Student Loan Planner has helped over 2,600 clients save over $120 million dollars on their student loans, and he’s been featured in U.S. News, Business Insider, Forbes, Huffington Post, Rolling Stone, VICE, Fox Business, ChooseFi, Bigger Pockets Money, and more. Website: https://www.studentloanplanner.com REFI student loans: https://www.studentloanplanner.com/refinance-student-loans/ Book a consult: https://www.studentloanplanner.com/hire-student-loan-help/ Social media links: Facebook | Twitter | Instagram | YouTube

Every year as the calendar turns people everywhere make resolutions and set goals for the upcoming year. Statistics show though that more often than not those resolutions aren't achieved. Whether your resolution is to hit a certain milestone in your savings account, pay off debt, add to your retirement account, or anything else it can be intimidating. Sqwire founder and CEO Danijel Velicki joins the podcast to talk about breaking those monster resolutions up into smaller bite size pieces and how that can let you succeed in 2020.

We all have those friends that are so passionate about a topic they become our defacto expert whether we consciously realize it or not. A passion for personal finance turned Robbie into that expert shortly after graduating college. A self proclaimed personal finance nerd, Robbie took what he’d learned, his passion for the topic, and turned it into a valuable member of the online personal finance community developing the Eat dot Money site. A family man who’s passion for personal finance is evident throughout the conversation Robbie joins the podcast this week to talk about founding his blog, budgeting, and keeping your head and attitude right when dealing with money. Making Your Money Work is brought to you by Sqwire. A Financial education platform that meets you wherever you are in life, and takes you through anything you’re dealing with Sqwire. It’s more than money. Making Your Money Work is a podcast dedicated to helping educate you on everything personal finance. Money shouldn’t be a scary/overwhelming topic. Our goal is to give you everything you need to live your best life. Connect with Robbie: Eat.Money

Financial choices and decisions are impacted by psychological factors every day whether we realize it or not. Dr. Brad Klontz specializes in Financial Psychology and how money behaviors are created. From money scripts to financial behaviors and fears, Klontz dives into how people can improve their relationship with money and prepare themselves for a better, more successful life. Connect with Dr. Klontz - https://www.yourmentalwealth.com/about-us/dr-brad-klontz/ Find Dr. Klontz Twitter - https://twitter.com/DrBradKlontz Dr. Klontz on Youtube-https://www.youtube.com/channel/UC_GFrBVMkHRqL1_W0uu40Fg

Nick Loper started his professional life working for a major corporation but realized it wasn't the life he wanted. With an entrepreneurial spirit Loper began chasing and tackling all sorts of different side hustles. What started with a shoe comparison site has now blossomed into the side hustle central site known as SideHustleNation.com. The Chief Side Hustler and a self proclaimed fan of the hustle, Loper takes on issues like "How do I find the best side hustle for me?" and "How can I create a side hustle that helps me pay the bills?" Loper provides insight from his years of growing side hustles, teaching others to grow their side hustle and developing the life that they truly want to live. Links Mentioned in the Episode: Side Hustle Ideas: https://www.sidehustlenation.com/ideas/ Becoming a Traveling Notary: https://www.sidehustlenation.com/become-a-loan-signing-agent/ Creating Your Own Course Online: https://www.sidehustlenation.com/set-up-and-sell-your-online-course/ Side Hustle Show Podcast: https://www.sidehustlenation.com/side-hustle-show/

Ivan Illan has paved his way in the Financial Services industry since beginning investing with his college fund at a young age. With a family background that included a grandfather who was the Undersecretary to the Treasury during the Castro Revolutionary Government in Cuba, Illan has continued the path in the financial industry becoming a sought after financial advisor, author and much more. The best selling author of Success and a Financial Advisor for Dummies, Illan is also the founder and CIO of a wealth management company based out of Los Angeles. Connect with Ivan on Twitter: https://twitter.com/ivan_m_illan?lang=en Buy the book: https://www.amazon.com/Success-Financial-Advisor-Business-Personal/dp/1119504104

Amobi Okugo is a veteran of the professional soccer ranks having made his professional debut in 2010 after being drafted sixth overall by the Philadelphia Union. After a five-year stint with the Union, Amobi has spent time with Orlando City FC, Sporting KC, the Portland Timbers, and most recently Austin Bold FC. His professional ventures don't end on the field however. Amobi founded and developed A Frugal Athlete, a site to highlight the prudent financial decision-making of athletes across sports, as well as provide a resource to other athletes and those interested in living a life well-spent. A host of a podcast series of his own as well as videos and articles, Amobi is taking on financial literacy head on in both the athletic world, as well as everyday life. A Frugal Athlete A Frugal Athlete Podcasts Connect with Amobi on Twitter @amobisays @AFrugalAthlete

Paul Goebel has led the Student Money Management Center at the University of North Texas since it's inception, creating one of the premier financial education programs on a college campus. At the SMMC, Goebel and his team coach students through all phases of their time including learning to budget, and setting a plan for the future. Goebel also touched on misconceptions about the FAFSA and a few tips to help students prepare and learn about their financial aid package. Connect with the SMMC: https://studentaffairs.unt.edu/student-money-management-center

When Jerry Brown graduated from college in 2009 he left with two degrees but no financial education. After stumbling a little bit financially he began researching and reading anything he could get his hands on to learn about setting himself up for a good financial life. Fast forward to 2019 and Jerry runs PeerlessMoneyMentor.com and is an active member of the financial literacy community. Now through articles, interactions on social media, and much more he is working to help push the need for financial literacy into the mainstream even more. More on Jerry Brown: PeerlessMoneyMentor.com Twitter.com/peerlessmoney

Walt Williams spent 11-years in the NBA after being selected 7th overall in the 1993 Draft by the Sacramento Kings. Now the University of Maryland grad is back in his hometown, shifting his attention from the hardwood to the hard questions. Williams works as a financial advisor passing along the lessons he learned during his time in the NBA to help make sure the athletes of today prepare themselves for the lives of tomorrow.

Musical artist, produce, and now manager Joseph "Screwface" Charles has seemingly experienced it all in Hollywood. After a family crisis saw him drain nearly all his funds, Screwface knew it was time to take control so he didn't find himself in trouble again. Now, despite being a true creative Screwface makes sure that his artists and friends take care of themselves financially and prepare for the future.

Jenn Williamson has built herself into one of the most successful real estate agents in the Hampton Roads area. Having sold over 600 homes during the last 11 years Williamson has seen it all from selling multi-million dollar homes to helping families buy their first home. A Navy veteran, Williamson and her husband began their foray into the real estate market by investing in and flipping properties before diving head first into the real estate business. Jenn focuses her time to make sure she helps her clients completely understand the process and what is going on while they buy their future home.

Director of Financial Literacy and IU MoneySmarts has been consistently ranked one of the top financial literacy programs on a college campus in the US. Founder and Director Phil Schuman talks about the issues he sees in daily life, how they can be addressed, and what can be done to give students the best possible chance at a successful future.

Jed Collins spent seven years in the NFL after graduating from Washington State in 2008. After hanging up the shoulder pads Jed put his accounting degree to use, transferring into the financial world. Now as the Director of Financial Education for Brighton Jones, Collins gets to focus on educating his clients, while also working with NFL teams to provide financial education to help players protect themselves from bad decisions. Find Collins on social media @JedCollins45

"I came to the U.S. as a 17-year-old immigrant kid in 1995 with a vision of the American Dream in my heart and Coolio on my Walkman. I had just $40 in my pocket at the time. That’s it. I had no idea what I was doing. I just knew I wasn’t going home and this had to work. I know what’s possible. You can come from nothing and become something. I’ve lived it." Danijel Velicki has paved his way in the U.S. cementing himself in the financial industry during the last 18+ plus. After being frustrated by only being able to help his clients one at a time Danijel Velicki started looking for ways to help people on a bigger scale. Fast forward to today and the creation of Sqwire. An online financial education platform, Sqwire provides lessons that cover every aspect of life from renting your first apartment to marriage to writing a will. Danijel tells his story and talks about what financial issues he sees facing not only college students, but Americans in general today.