Minority Money

Welcome back to the Minority Money Podcast! I'm your host, Emlen Miles-Mattingly, and it's been an incredible four-year journey. We've reached listeners worldwide, and I want to express my heartfelt gratitude for your support. Recently, I took the opportunity to revisit our very first episode, and it struck me how much has changed since then. Reflecting on the growth and transformations that have occurred, both personally and professionally, I am overwhelmed with gratitude. Throughout the years, we have had the privilege of learning from exceptional guests, including my own wife and daughters, who have contributed their unique insights. I extend a special shout-out to everyone who has played a part in making this podcast a success.However, I have an important announcement to make. We will be discontinuing the Minority Money Podcast, but fear not—we're starting a new podcast called Hello Retirement, focused on retirement planning. Thank you for joining us on this ride, and stay tuned for exciting things to come.If you loved this episode, you have to listen to these episodes as well: >> Welcome to the Minority Money Podcast!>> Building Dreams through Business with Hope Newsome>> Getting Ready For Retirement**********Want to chat with a fee-only financial planner? Shoot me an email at emlen@minoritymoneypodcast.com I Can't wait to meet you.

We often get caught up in the idea of making big purchases without fully considering the costs associated with them.In this episode we will explore the difference between price and cost through a conversation with my 15-year-old daughter about buying a car. While my daughter was focused on the price of the car and how to pay for it, I wanted to highlight the additional costs associated with owning a car, such as insurance, maintenance, and the cost of time spent away from other important activities. Understanding the difference between price and cost can also be applied to other significant purchases, such as buying a home. As the summer approaches and people begin to explore new purchases, it is crucial to fully consider the cost of ownership before making any large financial decisions.Key Points:[01:25] #1 Calculation of cost of owning a car[04:27] #2 Illustration of buying a $500,000 home[06:15] #3 Importance of accounting for all costs associated with a purchase[07:06] #4 Trade-offs when making a financial decisionIf you loved this episode, you have to listen to these episodes as well: >> Life Planning: Looking Beyond Finances with George Kinder>> Motivation vs Commitment>> Success for Minority Teens with Carlos GomezI'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

What financial advice would you give to your younger self or your children?In this episode, I'll discuss principles for teaching young people about money. These include paying oneself first, not spending more than one makes, investing early and frequently, never stop learning, and managing debt effectively. It is very important to have open conversations with family members about money and building a healthy relationship with it.Build healthy financial habits and ensure that future generations are equipped to make informed financial decisions. Listen now!Key Points:[02:40] #1 Pay yourself first[05:39] #2 Don't spend more money than you make[07:32] #3 Invest early[09:54] #4 Never stop learning[10:51] #5 Manage your debtIf you loved this episode, you have to listen to these episodes as well: >> Spring Cleaning Your Finances: Tips for a Financial Fresh Start>> Monitoring your Financial Plan with Dr. Preston Cherry [Step 7 of Financial Planning]>> Implementing the Plan with Shawn Tydlaska [Step 6 of Financial Planning]I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

As we near the end of the year's first quarter, let's reflect on the goals we have accomplished and those we still aim to achieve. In this episode, we'll talk about removing obstacles and distractions in our lives that prevent us from reaching our financial goals. We will also explore the concept of body budgeting and how it ties into the brain's function in the body's ability to budget. Plus, don't forget to sign up for our six-month Spring Cleaning Your Finances Boot Camp Program with group coaching, one-on-one sessions, and access to an award-winning software for 12 months. If you're looking to improve your financial health and spring clean your finances, make sure to check out this episode!Key Points:[01:44] #1 Spring cleaning finances boot camp offered by Gen X wealth[03:40] #2 "Seven and a Half Lessons About the Brain" and body budgeting[04:32] #3 The importance of removing obstacles to reach our financial goals.[07:20] #4 Tips and suggestions on how to remove obstacles to prepare ahead of time, set realistic goals, and create a routine.If you loved this episode, you have to listen to these episodes as well: >> Spring Cleaning Your Finances: Tips for a Financial Fresh Start>> Monitoring your Financial Plan with Dr. Preston Cherry [Step 7 of Financial Planning]>> Implementing the Plan with Shawn Tydlaska [Step 6 of Financial Planning]I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Spring has arrived, and it's time to freshen up more than just your home! Why not give your finances a much-needed clean-up? Join me in this episode as we dive into the benefits of spring cleaning your finances and discover how Gen X Wealth's Jumpstart Your Finances Bootcamp can help you reach your financial goals. Let's make this season the start of a new, financially savvy you!Key Points:[1:45] #1 Jumpstart Your Finances Bootcamp by Gen X Wealth[2:14] #2 Key areas covered in Gen X Wealth's Bootcamp[4:21] #3 Tips on managing retirement accounts after being laid off or changing jobsIf you loved this episode, you have to listen to these episodes as well: >> The Value of a Financial Advisor >> Planning Your Life & Finances - a 2022 Mash Up>> Own Your Home and Grow Your Mental WealthI'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Businesses beware: The collapse of Silicon Valley Bank sends a stark reminder of the impact a bank failure can have. In this episode, we explore the far-reaching consequences of the bank run that caused its downfall and the importance of FDIC insurance for both individuals and businesses. Listen to learn more about the impact of Silicon Valley Bank's collapse on businesses and the importance of FDIC insurance for depositors.Key Points:[1:16] #1 The collapse of Silicon Valley Bank[3:15] #2 What happens when a bank collapses and the importance of FDIC insurance[5:38] #3 The impact of a bank's collapse on the businesses that banked at that bankIf you loved this episode, you have to listen to these episodes as well: >> The Value of a Financial Advisor >> Planning Your Life & Finances - a 2022 Mash Up>> Own Your Home and Grow Your Mental WealthI'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

The power of insurance should never be underestimated. But how about we dig deeper into what insurances do and realign them with your financial goals?Today's episode is about Indexed Universal Life insurance. We talk about how it can be a good investment while serving as your life insurance. We'll also discuss how to understand policies so you can strategize investing for it. We'll also debunk insurance misconceptions so you can utilize it according to your financial intentions and outcomes.Make your goal specifically yours. Reclaim your power to strive for life. Tune in now! Key Points:[2:10] #1 IUL is your life's investment! [13:24] #2 Find the best reason to opt for IUL[14:25] #3 Align your financial goals with the right insuranceIf you loved this episode, you have to listen to these episodes as well: >> The Value of a Financial Advisor >> Planning Your Life & Finances - a 2022 Mash Up>> Own Your Home and Grow Your Mental WealthI'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

We are already in the final days of Black History Month! As we set our goals, we cannot help but strive for wealth. But how about we recalibrate them and aim for your well-being?Today's episode is about setting your goals. We talk about how focusing on the things that speak longevity and genuine happiness as your goal brings you flexibility, clearer perspectives, and better relationships with the people around you. Make your goal specifically yours. Reclaim your power to strive for life. Tune in now! Key Points:[3:15] #1 What's more important to you than money?[5:19] #2 Flexibility is your power![09:19] #3 Make finding your genuine joy your goal!If you loved this episode, you have to listen to these episodes as well: >> The Value of a Financial Advisor >> Planning Your Life & Finances - a 2022 Mash Up>> Own Your Home and Grow Your Mental WealthI'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

If you've ever missed out on a big sale in the stock market because of fear or uncertainty, you're not alone. But don't let that fear keep you from taking advantage of potential gains.In this episode, we'll introduce the concept of dollar-cost averaging (DCA) - a practical investment method for those just starting. DCA allows you to control the frequency of your investments and can help reduce your overall risk.This strategy can also be used in your retirement accounts, where a portion of your income goes into your company retirement plan every month, purchasing shares of mutual funds, ETFs, or stocks.The key to successful investing is having a long-term perspective and staying disciplined in your investment strategy. So don't let fear hold you back. Start investing in the stock market using dollar-cost averaging and watch your portfolio grow! Key Points:[3:20] #1 Dollar-cost averaging (DCA) spreads out investment purchases to reduce market impact[3:50] #2 Retirement accounts like 401(k) and IRA often use DCA to purchase shares of investments[8:03] #3 DCA involves systematic monthly stock purchases of the same dollar amountIf you loved this episode, you have to listen to these episodes as well: >> The Value of a Financial Advisor >> Planning Your Life & Finances - a 2022 Mash Up>> Own Your Home and Grow Your Mental WealthI'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Ensure your love lasts a lifetime. Plan your estate to secure your loved one's future and bring them peace of mind.In this episode, I will discuss the importance of estate planning and share a personal experience to highlight its benefits. I will also cover the documents that go into an estate plan, such as wills, trusts, and medical health care directives. Estate planning will help you distribute your assets, and medical health care directives can ensure that one's wishes are respected in case of incapacitation. Take the first step in showing your love for your family by creating an estate plan with us. Tune in now! Key Points:[5:22] #1 What is an estate plan, and how does it help?[9:16] #2 How an estate plan can help you when someone is incapacitated?[10:58] #3 What goes into the estate plan?If you loved this episode, you have to listen to these episodes as well: >> The Value of a Financial Advisor >> Planning Your Life & Finances - a 2022 Mash Up>> Own Your Home and Grow Your Mental WealthI'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Have you ever experienced being so good at something and then suddenly just stopped doing it? Like having the discipline for months to save money, but totally lose it on a random day at a shopping center.In today's episode, I discuss the three magic questions that can help you discern what you need to give your time, energy, and focus on. You can only see results when you learn how to say no to things that rob you of your resources, when you start doing things you should be doing, and if do something you are good at consistently. Tune in now to better understand these magic questions and how you can apply it in life and in your finances!Key Points:[3::24] #1 What am I doing that I shouldn't be doing?[5:00] #2 What am I not doing that I can and should be doing?[8:08] #3 What do I do well, and should I keep doing?If you loved this episode, you have to listen to these episodes as well: >> The Value of a Financial Advisor >> Planning Your Life & Finances - a 2022 Mash Up>> Own Your Home and Grow Your Mental WealthI'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

We are at the end of the first month of the year!It's safe to say that everyone is enthusiastic about meeting the beginning of the year. Everyone has their New Year's resolution, commitment, and/or goal. Everything was planned out, yet things get in the way; life happens.Today's episode is about being okay when you do not reach your goals and what to do instead. When you don't lose the weight that you want to, that's okay. If you didn't meet the saving goals you set for the month, that's okay!Not hitting your goals is sometimes okay. Relook, reassess, and recommit to your goals. Tune in now! Key Points:[3:02] #1 Being off track with budgeting…that's okay![4:30] #2 My meditation goal.[7:55] #3 If you don't hit your goal, it's okay.If you loved this episode, you have to listen to these episodes as well: >> The Value of a Financial Advisor >> Planning Your Life & Finances - a 2022 Mash Up>> Own Your Home and Grow Your Mental WealthI'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Financial anxiety is one of the common issues among adults worldwide. Everybody worries about money from time to time, but financial anxiety is different. It can be a product of trauma and a serious mental health issue that you should resolve as soon as possible.In this episode, we will talk about these key points that will help you understand the cause and how to deal with financial anxiety:Signs of Financial Anxiety How Financial Anxiety Affects You How To Handle Financial Anxiety How To Overcome Financial Anxiety Worrying about money constantly affects your mental and physical health because of stress. The best thing to do is get professional or financial help. You don't have to do this alone, and finding support could really help you with your struggles.If you loved this episode, you have to listen to these episodes as well: >> The Value of a Financial Advisor >> Planning Your Life & Finances - a 2022 Mash Up>> Own Your Home and Grow Your Mental WealthI'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Partnering with a financial advisor can help you develop confidence and commitment to achieving your financial goals. But, when and why do you need a financial advisor?In this episode, I will talk about four things that a financial advisor can bring value to you:Behavioral side of the financial advisorCustomized client experienceTaxRebalancing if you're investingTune in now as I discuss what things could help you build your net worth!Highlights and Resources:Behavioral Financial CoachingRebalancingCustomized Client ExperienceTaxes, taxes, and more taxesThe Behavior Gap Book - www.amazon.com/Behavior-Gap-Simple-Doing-Things/dp/1591844649I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

In a person's working life, retirement planning is a must. You are never too young or too old to get started with it. It's an important part of life as you grow older. After all, who would want to work at a very old age?Today we're going to answer a few simple questions like "What should I do with my retirement account?”, “What retirement account suits my needs and income?”, “How much money should I put in my retirement account?”Hop in now, as I answer all of your questions, so you can get started and contribute to your retirement plans! Highlights:>> Annual contribution limit for 2023>> How much money to contribute in retirement account>> What to do after retirement>> Service withdrawals>> Individual Retirement AccountI'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Stop writing your new year's resolution, it's time to stay committed to accumulating your wealth this 2023. Today's episode is about how to continue to grow wealth and how to stay on track of your goals. Set your goals right, don't list more than three goals because you will only lose focus of what you really want to do. 2023 is not the year for excuses. Don't be afraid to invest this 2023! Listen now! No excuses!Any excuse for non performance however valid softens the character. It's a sedative against one's own conscience. When a person uses an excuse, they attempt to convince both themselves and others that being unsatisfactory is somehow acceptable. They perhaps unconsciously attempt to divert the attention away from performance, the only thing that counts to their own want for sympathy.The user is dishonest with themselves as well as others. No matter how good or how valid, the excuse never changes the performance. The world measures in terms of performance alone, no person is remembered in history for what they may have accomplished. History never asked how hard it was to do something nor considered the obstacles that someone had to overcome. No person performed a worthwhile task without consciously ignoring the many plausible excuses. Washington MITRE reported the Delaware's running with ice that would crush our boats. Lincoln might have said that people will simply not support a war to keep the South in union. Eisenhower may have said at Normandy, as the Germans did. The weather made amphibious assault impossible.To use an excuse is a habit. We cannot have both the performance habit and the excuse habit. We all have a supply of excuses. The more we use them, the lower our standards become, the poor our performance, and the better we perform. The less plausible our excuses become. The next time you want to defend your slothfulness with an excuse instead say no excuses. Notice the startling effect this will have on your self respect. You will recognize your failure. You have been honest with yourself and you'll be one step closer to the performance standard. Highlights:>> The year 2022 ended in a rally>> An increase in Social Security for retired people>> Good things that happened with my family>> Set a small number of goals for yourself in 2023>> How to continue to grow wealth>> How to stay track on your goalsI'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

We are back on the podcast after a short break with a mash-up of some of the best moments from 2022! 2022 has been an amazing year! As always, we've continued to highlight fellow minorities who are making waves in the financial planning space, shared their stories and tactics on how you can create generational wealth for your family. We also highlighted stories from strong independent women and the LGBTQ community.Get ready, as 2023 will only get better!Enjoy! Episode Highlights:Behavioral Finance: How We Think About Money with Brian Portnoy - Jump in on our conversation as Brian shares with us how we can underwrite a life that is meaningful to us!https://gennextwealth.com/episode/behavioral-finance-how-we-think-about-money-with-brian-portnoySuccessful Career Shifting in your 40's with Tamara White Hutchinson - Learn how Tamara overcame money anxiety and how it led to her current career shift at 40. https://minority-money.captivate.fm/episode/successful-career-shifting-in-your-40s-with-tamara-white-hutchinsonBreaking Glass Ceilings in Finance with Rosa Chalekian and Mari Miles-Mattingly - If you've ever felt like people have put you down for your gender, then we hope that this episode empowers you to prove everyone wrong and achieve your dreams!https://minority-money.captivate.fm/episode/breaking-glass-ceilings-in-finance-with-rosa-chalekian-and-mari-miles-mattinglyMotivation vs Commitment - Each time the new year arrives there's always this sudden motivation to push ourselves to do better, but here's the thing. But motivation comes and goes. What you'll really need is commitment to actually push through. https://minority-money.captivate.fm/episode/motivation-vs-commitmentI'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

There comes a season in life where you've planned everything out and your course seems to be going in a straight line and suddenly, everything goes wayward. Challenges begin to pile up and you don't know which one to deal with first. When all the doors are being shut, it might be a sign for you to take an alternate course.  Today we are joined by Shana Sissel, Founder, President, & CEO of Banríon Capital Management, the Queen of Alternatives, Mrs. Illinois Intl 2020, and Co-Host of The Black Swans Podcast. Shana joined us in https://minority-money.captivate.fm/episode/empowering-women-to-be-in-finance-with-shana-sissel (Episode 89) where she showed us why women should be in the field of finance. A lot has changed since the last time she was here on the show! In this episode, she gets candid and shares the challenges she overcame in the past months leading her to start Banríon Capital Management.  Shana talks about the challenge of overcoming problems, and beginning an alternate path to achieve the goals she has for herself, her son, and for the industry. With her company, she wants to help both advisors and clients navigate through the world of alternative investments by providing advisors all the tools and databases they need to build alternative portfolios.  The path you take whether it be in life or in your investments doesn't need to be the same as everyone else, or what other people expect of you, you just have to focus on the alternate path and investments that best works for you!    Highlights: >> Founding Banríon Capital Management >> The challenges Shana faced over the past 14 months >> What are alternatives >> Making diversification happen through alternatives >> Alternatives as a way to diversify portfolios >> Working with companies with the same vision  >> Shana's liquid alternative models  >> Providing turn-key solutions that advisors can use  >> Giving the average retail investor and the average advisor access to analytical tools  >> Bouncing back from rock bottom  >> Shana on making an effort to improve her mental health and overall well-being >> The importance and impact of sharing the vulnerable stories  Connect with Shana: >> LinkedIn: https://www.linkedin.com/in/shsissel (www.linkedin.com/in/shsissel)  >> Website: https://www.banrioncapital.com/ (www.banrioncapital.com)  >> Instagram: https://www.instagram.com/finance_queen2020/?hl=en (@finance_queen2020)  >> Twitter: https://twitter.com/shanas621?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor (@shanas621)  Shana's Projects: >> https://www.theblackswanspodcast.com/ (The Black Swans Podcast) >>https://caia.org/blog/2021/01/10/the-often-forgotten-art-and-science-of-manager-due-diligence (The Often-Forgotten Art and Science of Manager Due Diligence)   If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/empowering-women-to-be-in-finance-with-shana-sissel (Empowering Women to be in Finance with Shana Sissel) >> https://player.captivate.fm/episode/120f490a-cecc-4897-adf8-966c6d9041c1 (Compass vs. Map: How to Navigate When Life Gets Off-Course)  >> https://minority-money.captivate.fm/episode/the-secret-to-being-a-successful-investor-with-daniel-crosby (The Secret to Being a Successful Investor with Daniel Crosby)  I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

To be able to build wealth, you need to begin with a holistic approach to financial planning that is simple enough so you'll stick with it through up and down times. In this episode, Andre Albritton of The Millennials Next Door will share the Bucket Days Approach to building wealth. People, especially millennials, are intimidated by financial planning and budgeting. Andre makes this less intimidating by breaking down the process of financial planning and budgeting into 3 Buckets. This method will help you focus on what you can do in each season to build wealth - setting financial goals, developing a plan, retiring rich, and building generational wealth. Andre is a nationally recognized personal finance expert dedicated to helping millennials reach financial freedom. He is redefining wealth and is inspiring others to reach financial freedom on their terms. His work has been featured on Blavity, HBCU Wall Street, His & Her Money and much more. Learn these simple principles to help you reach your financial goals! Tune in now!   Highlights: >> Millennials Next Door >> Bucket Days Approach >> Emotional cycle in spending money >> Yesterday is expenditures mistake >> Today is establishing a spending plan >> Tomorrow is retirement planning >> Why real estate is important for tomorrow's plan >>  Andre's fact: Mindset has more impact in wealth building Connect with Andre: >> LinkedIn: http://www.linkedin.com/in/andrealbritton (www.linkedin.com/in/andrealbritton) >> Website: http://tmndfinance.com/ (tmndfinance.com) >> Instagram: https://www.instagram.com/themillennialsnextdoor/?hl=en (@themillennialsnextdoor) >> Instagram:https://www.instagram.com/andre3000n1/?hl=en ( @andre3000n1) >> Twitter: https://twitter.com/millennials_n_d (@Millennials_N_D) >> Tiktok: https://www.tiktok.com/@andre3000n1 (@andre3000n1) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/empowering-women-to-be-in-finance-with-shana-sissel (Empowering Women to be in Finance with Shana Sissel) >> https://minority-money.captivate.fm/episode/people-of-color-disrupting-the-financial-industry-with-dana-wilson (People of Color Disrupting the Financial Industry with Dana Wilson) >> https://minority-money.captivate.fm/episode/creating-change-through-representation-with-ana-trujillo-limon (Creating Change Through Representation with Ana Trujillo Limón) I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

We're about to enter the 4th quarter of 2022! How have you been doing so far? We have curated some of the episode highlights from the earlier part of the year. These episodes are foundational in planning and building towards a life of wealth for you and your family. Take a look back on these episodes and let's finish the year strong! Enjoy this episode! Links to the full episodes and show notes: Life Planning: Looking Beyond Finances with George Kinder https://minority-money.captivate.fm/episode/life-planning-with-george-kinder (https://minority-money.captivate.fm/episode/life-planning-with-george-kinder) We've talked so much about financial planning on this podcast, but there's a much bigger picture we also need to consider when we lay down our finances. And that's life planning– where we aim our financial goals based on what we want to achieve in our lifetime and how we can support our dreams. Financial Planning and the Racial Wealth Gap with Dr. Miranda Reiter, Ph.D. https://minority-money.captivate.fm/episode/financial-planning-and-the-racial-wealth-gap-with-dr-miranda-reiter-phd (https://minority-money.captivate.fm/episode/financial-planning-and-the-racial-wealth-gap-with-dr-miranda-reiter-phd) For a long time, gender and racial equality stood far from ever being recognized and addressed. It's only in recent years that we as a society have progressed to be much more inclusive and representative of minorities in the financial planning field. Join us in this episode as we talk about the facts and how the industry needs to change to present more equal and equitable opportunities for minorities. Creating your Financial Narrative with Shehara Wooten [Black History Month Special] https://minority-money.captivate.fm/episode/creating-your-financial-narrative-with-shehara-wooten-black-history-month-special (https://minority-money.captivate.fm/episode/creating-your-financial-narrative-with-shehara-wooten-black-history-month-special) We all have a story that is uniquely our own and just like with finances, not everyone goes through the same journey. Shehara Wooten is one such financial planner who is here to help you create your own financial narrative which caters to your specific needs.  Building Generational Wealth with Lea Landaverde https://minority-money.captivate.fm/episode/building-generational-wealth-with-lea-landaverde (https://minority-money.captivate.fm/episode/building-generational-wealth-with-lea-landaverde) Building wealth for ourselves is a dream for all of us but building generational wealth that will help your entire family and all the future generations to come after you is even better. Here to help you realize that you too can achieve this is Lea Landaverde. If you were born into not the best of circumstances and looking to break through and live the life you've always dreamt of for yourself and your entire family then this week's episode is just for you.      ********** I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

It doesn't matter how old you are, if you want to make a change and uplevel your skills, you can do it! Tamara White Hutchinson was a public relations and communications practitioner for 20 years and recently made a transition into the financial industry. Tamara and I talk about how anyone can successfully change careers in their 40's. She also shares the change she went through when she started suddenly making six figures at 25 year old from making only $35,000 a year. We also talk about the time when she had money anxiety and how she got out of it. Learn how Tamara shifted her career and overcame money anxiety. Tune in now!   Highlights: >> Planted seeds of grit and resilience >> Tamara's money anxiety >> Learning more and figuring out what causes her anxiety >> From PR to CFP at 40 >> Importance of advisors in running the numbers >> More room for women, people of color, and LGBT community in the financial industry Connect with Tamara: >> Website: http://thecashclass.com/ (thecashclass.com) >> Facebook: http://www.facebook.com/thecashclass/ (www.facebook.com/thecashclass) >> Instagram: https://www.instagram.com/thecashclass/?hl=en (@thecashclass) >> linktr.ee:https://linktr.ee/thecashclass ( linktr.ee/thecashclass) >> Twitter: https://mobile.twitter.com/thecashclass (@thecashclass) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/empowering-women-to-be-in-finance-with-shana-sissel (Empowering Women to be in Finance with Shana Sissel) >> https://minority-money.captivate.fm/episode/people-of-color-disrupting-the-financial-industry-with-dana-wilson (People of Color Disrupting the Financial Industry with Dana Wilson) >> https://minority-money.captivate.fm/episode/creating-change-through-representation-with-ana-trujillo-limon (Creating Change Through Representation with Ana Trujillo Limón) I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

For the first time ever, we have a global pandemic that shut the world down. This fueled the annual economic inflation rate in the US to slow down more than expected. Being on the receiving end of all these circumstances, how will you cope?  In this episode, I'll be joined by my wife Maricela Miles-Mattingly, as we celebrate our fifth wedding anniversary. Aside from economic inflation, we'll also talk about student loans, the economy, and banking updates. People want to be more secure at any given market and at any given time. Invest in working with a financial advisor so you can make the right decision to improve your finances.  Come out financially stronger after this inflation! Tune in now!   Highlights: >> Impacts of inflation in the economy, market, and for the consumers. >> Type of people that are coming into the bank. >> Inflation reduces the purchasing power of consumers. >> Take advantage of inflation, invest now. >> Student Loans Forgiveness. >> Going back to how the Minority Money Podcast started. If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/empowering-women-to-be-in-finance-with-shana-sissel (Empowering Women to be in Finance with Shana Sissel) >> https://minority-money.captivate.fm/episode/people-of-color-disrupting-the-financial-industry-with-dana-wilson (People of Color Disrupting the Financial Industry with Dana Wilson) >> https://minority-money.captivate.fm/episode/creating-change-through-representation-with-ana-trujillo-limon (Creating Change Through Representation with Ana Trujillo Limón) I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

So much has been said about equality of representation and its influence, not just within the financial technology industry, but the society as a whole. However, looking at statistics,  reality clearly does not complement expectation. In this episode, journalist Nicole Casperson, discusses her role as the founder of WTFintech in calling out clear inequities in the finance industry and the media. As a woman who had been faced with a representational dilemma, Nicole continuously voices out her story and every story created by diverse leaders, no matter the gender, no matter the complexion. Let us continue to advance our financial prowess by expanding our representation. Tune in now. Highlights: >> Nicole, the dynamic content creator behind WTFintech >> What WTFintech offers to the financial technology industry >> The importance of diversity to serve the underserved communities >> Impact of representation in the media and business to people >> Nicole's source of motivation to grow and lead >> How working in the media requires a strong support network Connect with Nicole: >> Instagram: https://www.instagram.com/nicolecasperson/?hl=en (@nicolecasperson) >> LinkedIn: https://www.linkedin.com/in/nicole-casperson-0820a5133/ (www.linkedin.com/in/nicole-casperson) >> Twitter: https://twitter.com/nicolecasperson (@nicolecasperson)  >> Facebook: https://www.facebook.com/profile.php?id=100076269488508 (www.facebook.com/WTfintech)  >> Website: https://workweek.com/ (www.workweek.com/)  If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/empowering-women-to-be-in-finance-with-shana-sissel (Empowering Women to be in Finance with Shana Sissel) >> https://minority-money.captivate.fm/episode/people-of-color-disrupting-the-financial-industry-with-dana-wilson (People of Color Disrupting the Financial Industry with Dana Wilson) >> https://minority-money.captivate.fm/episode/creating-change-through-representation-with-ana-trujillo-limon (Creating Change Through Representation with Ana Trujillo Limón) I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

As children, we've seen our parents struggle financially and become chained to debt. Fast-forward to the present, we've grown into people who desire the opposite; to become financially stable and independent.  My guest for today was able to do exactly just that! I am joined by Real Estate Investor and Financial Independence Coach, Antoinette Munroe. At just 36 years old, she was able to achieve her retirement goal! In this episode, Antoinette shares her journey of pursuit towards financial independence. She talks about how Real Estate Investment became the fuel for her financial freedom journey. We also talked about Budget ABC's, House Hacking, Travel Hacking, and more. We'd love to help you on your journey, too! Join us in this episode.  Highlights: >> The Beginning of the Pursuit >> Discovering Real Estate Investment  >> Budget ABC's: A fresh take on a balanced budget >> Understanding your Cash Flow  >> House Hacking: Eliminating your biggest expense to accelerate your path to financial independence >> Your Short-Term and Long-Term Plan  >> Travel Hacking: Low to no cost strategies for lifestyle enhancement  Connect with Antoinette: >> Instagram:https://www.instagram.com/behaviorgap/?hl=en ( )https://www.instagram.com/fearlessandfreefi/ (www.instagram.com/fearlessandfreefi/)  >> Youtube: https://www.youtube.com/channel/UCsj7LnlVdMDgRFCL7dcKRSQ (Fearless & Free Fi)  >> LinkedIn: https://www.linkedin.com/in/jolieantoinette (www.linkedin.com/in/jolieantoinette)  >> Facebook:https://www.facebook.com/behaviorgap ( ) https://www.facebook.com/FearlessandFreeFi (www.facebook.com/FearlessandFreeFi)  >> Email: fearlessandfreefi@gmail.com  >> Website:https://behaviorgap.com/about/ ( )https://www.fearlessandfreefi.com/ (www.fearlessandfreefi.com/)  If you loved this episode, you have to listen to these episodes as well:  >>https://player.captivate.fm/episode/9f772dc2-8909-4a22-9451-31ae2d8c3024 ( )https://www.minoritymoneypodcast.com/2019/08/02/education-financial-stability-health-and-your-well-being/ (Episode 2: Education, Financial Stability, Health and Your Well-Being)  >>https://www.minoritymoneypodcast.com/2022/06/27/aligning-values-and-investments-with-laura-latourette-cfp-and-ramona-maior-cfp/ ( )https://www.minoritymoneypodcast.com/2019/11/08/how-to-win-at-student-loan-debt/ (Episode 16: How to Win at Student Loan Debt)  >>https://www.minoritymoneypodcast.com/2022/05/02/behavioral-finance-how-we-think-about-money-with-brian-portnoy/ ( )https://www.minoritymoneypodcast.com/2020/03/06/how-to-be-financially-intentional-with-naseema-mcelroy/ (Episode 33: How to be Financially Intentional with Naseema McElroy) >> https://www.minoritymoneypodcast.com/2020/06/03/getting-out-of-poverty-creating-wealth-with-dr-david-rhoiney/ (Episode 46: Getting out of Poverty & Creating Wealth with Dr. David Rhoiney)  I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

From account executive to radio intern to furniture and limousine dealer, Carlese Laurent believed his resume was akin to a Rolodex. Refocusing however on his top two interests - numbers and people - he finally found fulfillment and mission in helping people own their homes. Carlese Laurent joins us today to share his ragged path of paving for the life he always dreamed of. He also teaches us on how mortgage loans work and gives some advice on owning your own homes. On top of dealing with people to talk about mortgage loans, he is ardently educating people about mental wealth and financial discipline. Be inspired by Carlese' story and learn how to bring yourself home. Highlights: >> Carlese's education and career background >> What are involved in mortgage loans >> Benefits of owning your own homes  >> Learning to grow your mental wealth >> What inspires Carlese to grow and learn more >> Advice for people in achieving their dreams Connect with Carlese: >> Instagram: https://www.instagram.com/mlo_laurent (https://www.instagram.com/mlo_laurent)  >> Facebook: https://www.facebook.com/carlese22 (https://www.facebook.com/carlese22)  >> LinkedIn: https://www.linkedin.com/in/carlese-laurent (https://www.linkedin.com/in/carlese-laurent)  If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/0 (Home Ownership: Everything You Need To Know When Purchasing a New Home with Myra Alvarez & Jose Sahagun) >> https://minority-money.captivate.fm/episode/jamisa-real-estate (Investing in Your Future through Real Estate with Jamisa Mclvor) >> https://minority-money.captivate.fm/episode/following-your-passion-growing-your-wealth-with-modern-moneys-angela-moore (Following your Passion & Growing Your Wealth with Modern Money's Angela Moore) I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

The hard work we put in today are all for the same dream that one day, our children, the next generation, will live a life far better off than where we stand today. In order to get to that future vision, we have to focus on our present direction. In this episode I am joined by Angel Investor and General Partner of High Street Equity Partners, Mitch Brooks. We will talk about closing the equity gap and building family wealth for the future generations.  Mitch shares detailed steps on how you can change your financial trajectory. We discussed the two key ways on how to address the gap, getting over the barrier of access to capital, debt and equity investment, home ownership and entrepreneurship, and more. All crucial steps to reach your financial goals and dreams for yourself and your family.  It's time that your dreams finally become your reality! Highlights: >> Defining the Equity Gap  >> The gateways to change the financial picture for generations to come  >> Getting over the barrier of access to capital >> Venture capital  >> Debt Investment vs. Equity Investment  >> Giving a percentage of Equity of Ownership to the right partner/s >> Private Equity  >> The importance of Entrepreneurship in closing the equity gap especially for people of color Connect with Mitch: >> Instagram: https://instagram.com/mitchbrooks?igshid=YmMyMTA2M2Y= (https://instagram.com/mitchbrooks) >> Twitter: https://twitter.com/mitchbrooks?t=jKUJJFLRts9aVf0G_yL76g&s=09 (https://twitter.com/mitchbrooks) >> LinkedIn: https://www.linkedin.com/in/mabiv (https://www.linkedin.com/in/mabiv)  >> Linktr.ee: https://linktr.ee/mitchbrooks (https://linktr.ee/mitchbrooks)  >> Email: grow@highstreetequity.com  >> Website: https://www.highstreetequity.com/ (https://www.highstreetequity.com/)  If you loved this episode, you have to listen to these episodes as well:  >> https://www.minoritymoneypodcast.com/2020/06/03/getting-out-of-poverty-creating-wealth-with-dr-david-rhoiney/ (Getting out of Poverty & Creating Wealth with Dr. David Rhoiney) >> https://www.minoritymoneypodcast.com/2019/09/13/utilizing-your-financial-why-to-help-change-the-racial-wealth-gap/ (Utilizing Your Financial Why to Help Change the Racial Wealth Gap) >> https://www.minoritymoneypodcast.com/2021/03/01/bridging-the-racial-wealth-divide-with-dedrick-asante-muhammad-black-history-month-special/ (Bridging the Racial Wealth Divide with Dedrick Asante-Muhammad [Black History Month Special]) I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

What is your Why? In school, we are taught that math is all about numbers. Would you believe that it's also about love?  In this episode, Carl Richards, certified financial planner and author of The Behavior Gap, talks about Real Financial Planning. It's not just about math but also about emotions. Figuring out your emotional problems and life direction is the solution to your financial problems.  Carl talks about how getting to the root of what you truly love and want to do in life, sets the direction for your financial plan. You've got to decide on where you're going first  before you figure out how to get there.  Join us as we help you answer your why and begin the journey towards effective and real financial planning. Highlights: >> Accidentally entering the financial advice industry  >> What Real Financial Planning is all about >> Getting to the root: “What is your Why?” >> The qualities of a real financial planner  >> The continuous process of financial planning  >> Finding the right financial Guide  Connect with Carl: >> Instagram: https://www.instagram.com/behaviorgap/?hl=en (https://www.instagram.com/behaviorgap/?hl=en)  >> Twitter: https://twitter.com/behaviorgap (https://twitter.com/behaviorgap)  >> LinkedIn: https://www.linkedin.com/in/thinkingcarl (https://www.linkedin.com/in/thinkingcarl) >> Facebook: https://www.facebook.com/behaviorgap (https://www.facebook.com/behaviorgap)  >> Email: hello@behaviorgap.com   >> Website: https://behaviorgap.com/about/ (https://behaviorgap.com/about/)  If you loved this episode, you have to listen to these episodes as well:  >> https://player.captivate.fm/episode/9f772dc2-8909-4a22-9451-31ae2d8c3024 (Episode 157: Forging Your Personal Financial Journey with Anthony J. Zhang ) >> https://www.minoritymoneypodcast.com/2022/06/27/aligning-values-and-investments-with-laura-latourette-cfp-and-ramona-maior-cfp/ (Episode 154: Aligning Values and Investments with Laura LaTourette, CFP® and Ramona Maior, CFP) >> https://www.minoritymoneypodcast.com/2022/05/02/behavioral-finance-how-we-think-about-money-with-brian-portnoy/ (Episode 146: Behavioral Finance: How We Think About Money with Brian Portnoy) I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

Adult entertainment is one of the oldest industries in history. Whether we recognize it as a part of society or not, it exists, and so do the sex workers who earn income through this. Being in this profession raises stigma, discrimination, and disrespect. And this is why there are very few who cater to their financial planning needs. In this episode, we go back to California and its stigmatized ecosystem, with Lindsey Swanson who made it her mission to create an incredible financial support system specifically for sex workers. As the CEO of Stripper Financial Planning, Lindsey offers quality financial advice while protecting her client's dignity and rights at the same time.  Discover how really seeing the people in the adult entertainment industry can inspire your financial savvy and also broaden your perspective. Highlights: >> Lindsey shares how she found her niche >> Stigma faced while working with sex workers >> Discrimination sex workers face in society >> Working on finances and passion at the same time >> Embracing failures and overcoming gender discrimination   Connect with Lindsey: >> Instagram: https://www.instagram.com/lindseyswansong/ (https://www.instagram.com/lindseyswansong/)  >> Twitter: https://twitter.com/lindseyswansong (https://twitter.com/lindseyswansong)  >> LinkedIn: https://www.linkedin.com/in/lindsey-swanson-cfp%C2%AE-455930114/ (https://www.linkedin.com/in/lindsey-swanson-cfp%C2%AE-455930114/)  >> Website: https://www.stripperfinancialplanning.com/ (https://www.stripperfinancialplanning.com/)  >> Spotify: https://open.spotify.com/user/lindseybartels (https://open.spotify.com/user/lindseybartels)  If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/banking-the-unbanked-with-jontae-james (Episode 149: Banking the Unbanked with Jontae James) >> https://minority-money.captivate.fm/episode/finding-your-niche-and-doing-what-you-love (Episode 70: Finding Your Niche and Doing What you Love with Jannese Torres-Rodriguez) >> https://minority-money.captivate.fm/episode/we-need-to-talk-about-systemic-racism-sexism-and-discrimination-in-the-workplace (Episode 48: We Need To Talk… About Systemic Racism, Sexism And Discrimination In The Workplace) I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

Welcome back to another episode of the Minority Money Podcast! There comes a time in everyone's lives when you need to make a choice so huge that it can change how your life goes. In the case of my guest today, Anthony J. Zhang, it was the decision between being a full-time student, or dropping out and becoming an entrepreneur backed up by a VC. When Anthony set out on his financial journey, he had to think with the end in mind and really plan out the kind of lifestyle he wanted– because he used that mindset to pave the road to building his wine and whiskey business that now sustains him and gives him the financial means to expand his own portfolio. Tune into this episode and hopefully, it'll inspire you on your own journey! Highlights: >> How Anthony formed his personal financial journey >> Anthony's advice for building your own financial journey >> Learning and understanding more about digital assets and cryptocurrency >> How Anthony uses wine and whiskey as an investment >> What inspires Anthony to continue to grow and lead Connect with Anthony: >> Website: https://www.vinovest.co/ (https://www.vinovest.co/)  >> Facebook: https://www.facebook.com/vinovestofficial/ (https://www.facebook.com/vinovestofficial/)   >> Instagram: https://www.instagram.com/anthony_j_zhang/ (https://www.instagram.com/anthony_j_zhang/)    >> Twitter: https://twitter.com/anthony_j_zhang (https://twitter.com/anthony_j_zhang)  >> LinkedIn: https://www.linkedin.com/in/anthony-zhang-988a2375/ (https://www.linkedin.com/in/anthony-zhang-988a2375/) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/we-need-to-talk-about-wealth-for-all-families (Episode 156: We Need to Talk… About Wealth For All Families) >> https://minority-money.captivate.fm/episode/building-a-successful-business-with-sheneya-wilson-black-history-month-special (Episode 84: Building a Successful Business with Sheneya Wilson [Black History Month Special]) >> https://minority-money.captivate.fm/episode/the-secret-to-being-a-successful-investor-with-daniel-crosby (Episode 45: The Secret to Being a Successful Investor with Daniel Crosby) I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

Welcome back to another episode of the Minority Money Podcast! Usually, it'd just be me and another guest– but for today, we'll be having a “We Need to Talk” episode where we air out and talk about building generational wealth for all families. In a country where the color of your skin has a say in how you achieve wealth and stability, this topic is meant to address the great divide and inequalities in both our societies and institutions. While the fight to make financial education more accessible is far from over, we cannot waver now because absolutely every family deserves financial security. Be sure to join in on this conversation with Sonya Dreizler, Diana G. Yáñez, CFP®, Phuong Luong, CFP®! Highlights: >> Addressing the racial wealth divide >> What people commonly think about financial literacy and history >> How we work with clients in the face of systemic discrimination >> When we realized just how systemic the racial wealth divide is >> Why there is a lack of financial information amongst minorities >> Advice and resources for financial planners and individuals Connect with Sonya: >> Website: http://www.hellochoir.com/ (http://www.hellochoir.com/)  >> Instagram: https://www.instagram.com/sonyadreizler/ (https://www.instagram.com/sonyadreizler/)   >> Twitter: https://twitter.com/SonyaDreizler (https://twitter.com/SonyaDreizler)   >> LinkedIn: https://www.linkedin.com/in/sdreizler/ (https://www.linkedin.com/in/sdreizler/)  Connect with Diana:  >> Website: https://allthecolors.net/ (https://allthecolors.net/)  >> Instagram: https://www.instagram.com/all_the_colors_8/ (https://www.instagram.com/all_the_colors_8/)  >> Twitter: https://twitter.com/DianaGisel_Y/ (https://twitter.com/DianaGisel_Y/) >> LinkedIn: https://www.linkedin.com/in/dianagyanez/ (https://www.linkedin.com/in/dianagyanez/)  Connect with Phuong:  >> Website: https://wealthplanning.com/ (https://wealthplanning.com/)  >> Twitter: https://twitter.com/pt_luong (https://twitter.com/pt_luong)  Resources Mentioned: >> Racial Justice Investing Website: https://www.racialjusticeinvesting.org/ (https://www.racialjusticeinvesting.org/)  >> Resource Generation Website: https://resourcegeneration.org/ (https://resourcegeneration.org/)  >> The 2050 Trailblazers Podcast: https://www.2050trailblazers.com/podcast (https://www.2050trailblazers.com/podcast)  If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/emlen-dasarte-going-independent (Episode 155: Emlen & Dasarte Going Independent) >> https://minority-money.captivate.fm/episode/all-the-colors-changing-the-complexion-of-wealth-with-diana-g-yanez (Episode 141: All The Colors: Changing the Complexion of Wealth with Diana G. Yáñez) >> https://minority-money.captivate.fm/episode/kicking-off-womens-history-month-with-sonya-dreizler-and-liv-gagnon (Episode 138: Kicking off Women's History Month with Sonya Dreizler and Liv Gagnon) I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

Just as we're celebrating our independence as a nation– maybe it's also time for you to consider becoming an independent financial advisor! As we progress in the industry, there's always going to be a part of us that wants independence in some way, shape, or form to create our own individual journeys. In this episode, long-time recurring guest Dasarte and I talk about how you can achieve this independence, and you need to avoid making the same common mistakes among all financial advisors. Find your why, and draw your path as you listen in on our conversation!  Highlights: >> How Dasarte knew he was ready to go independent >> Common mistakes people make when going independent >> How Dasarte recenters himself when things are difficult >> Don't be scared of grit and grind, but also defend your time >> Everything you learn at this moment is to be better than the last Connect with Dasarte: >> Instagram: https://www.instagram.com/dasarteyarnway/ (https://www.instagram.com/dasarteyarnway/)  >> Twitter: https://twitter.com/DasarteYarnway (https://twitter.com/DasarteYarnway)  >> LinkedIn: https://www.linkedin.com/in/dasarte-yarnway-b3b39443/ (https://www.linkedin.com/in/dasarte-yarnway-b3b39443/)  If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/aligning-values-and-investments-with-laura-latourette-cfp-and-ramona-maior-cfp (Episode 154: Aligning Values and Investments with Laura LaTourette, CFP® and Ramona Maior, CFP®) >> https://minority-money.captivate.fm/episode/brand-building-and-minorities-in-finance-with-jacqueline-schadeck (Episode 123: Brand Building and Minorities in Finance with Jacqueline Schadeck) >> https://minority-money.captivate.fm/episode/following-your-passion-growing-your-wealth-with-modern-moneys-angela-moore (Episode 53: Following Your Passion & Growing Your Wealth with Modern Money's Angela Moore)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

Welcome back to the Minority Money Podcast! Continuing our celebration of Pride Month, I've invited over Laura LaTourette(she/her) and Ramona Maior(she/her) of Family Wealth Management Group. In this episode, we'll dive right into how companies like the Rainbow Network and Onyx try to make sure that the industry remains progressive as they cater to clients who align their values with their investments! While Pride Month comes to an end, the fight for diversity, equality, and inclusion is still far from over. As minorities and members of the LGBT+ that continue to face discrimination across societies and industries, we must band together as a community, uplift one another, and fight for our space in the world - especially in these particularly tumultuous times. Highlights: >> Why we need organizations like the Rainbow Network >> Reception from the LGBTQ+ community >> What diversity and inclusion mean to Ramona and Laura >> Mental health and money >> Ramona and Laura's thoughts on ESG >> What inspires Ramona and Laura to grow and lead  Connect with Laura and Ramona: >> Website: https://www.familywmg.com/ (https://www.familywmg.com/)  >> Website: https://www.cfp.net/ (https://www.cfp.net/)  >> Twitter: https://twitter.com/LauraLaTourette (https://twitter.com/LauraLaTourette) >> Twitter: https://twitter.com/RamonaCFP (https://twitter.com/RamonaCFP) >> LinkedIn: https://www.linkedin.com/in/llatourette/ (https://www.linkedin.com/in/llatourette/) >> LinkedIn: https://www.linkedin.com/in/ramona-maior/ (https://www.linkedin.com/in/ramona-maior/) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/happy-juneteenth-and-fathers-day-2022 (Episode 153: Happy Juneteenth and Father's Day 2022!) >> https://minority-money.captivate.fm/episode/creating-change-through-representation-with-ana-trujillo-limon (Episode 131: Creating Change Through Representation with Ana Trujillo Limón) >> https://minority-money.captivate.fm/episode/building-dreams-through-business-with-hope-newsome (Episode 86: Building Dreams through Business with Hope Newsome)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

On the Minority Money Podcast, we talk a lot about equality and representation and why they're such an important factor in human empowerment. This week, we're taking a step back from our regularly scheduled program for a special episode dedicated to celebrating Juneteenth and Father's Day.  With this being the first federal holiday of Juneteenth, I want to shed more light on the historical context of the day and what it means to many Americans, especially African-Americans such as myself. In addition, I'll talk about the country's rising state of interest rates and what those changes mean for you and your finances. Highlights: >> The historical significance of Juneteenth >> What the rising interest and savings rates mean for us >> Quick tips to help save money If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/real-estate-with-intention-and-community-with-alex-salazar (Episode 152: Real Estate with Intention and Community with Alex Salazar) >> https://minority-money.captivate.fm/episode/fathers-day-special- (Episode 101: Father's Day Special!) >> https://minority-money.captivate.fm/episode/how-to-start-feeling-good-about-your-money-with-pamela-capalad (Episode 66: How to Start Feeling Good about Your Money with Pamela Capalad)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

Buying a home is one of the most stressful choices that we can go through. Many of us usually ask if it's a good or bad time to buy, and these questions can put us off from taking that first step. But here's the thing: When it comes to building generational wealth, we cannot underestimate the power of owning property. To continue our celebration of Pride Month 2022, I am very happy to be joined by my good friend Alex Salazar of The Salazar Group. With over 18 years of experience as a real estate agent, he shares his knowledge and insights to help you answer the all-important question: Are you ready to buy your own property? In addition, Alex shares his personal stories that emphasize why intentionality and the spirit of community can foster growth in our relationships and wealth-building journey. So make sure to join us as Alex shows us the ins and outs of property ownership and its many benefits beyond just financial wealth! Highlights: >> Planning for Alex' marriage and his business >> The current state of the real estate market >> How Alex helps people make that first step to buying a home >> The principle of community >> What growth and education mean for Alex  Connect with Alex: >> Website: https://www.thesalazargroupre.com/ (https://www.thesalazargroupre.com/) >> Facebook: https://www.facebook.com/alexanderesalazar (https://www.facebook.com/alexanderesalazar) >> Instagram: https://www.instagram.com/the_salazar_group/ (https://www.instagram.com/the_salazar_group/) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/from-broke-to-badass-with-cally-ingebritson (Episode 151: From Broke to Badass with Cally Ingebritson) >> https://minority-money.captivate.fm/episode/building-generational-wealth-with-lea-landaverde (Episode 133: Building Generational Wealth with Lea Landaverde) >> https://minority-money.captivate.fm/episode/jamisa-real-estate (Episode 72: Investing in Your Future through Real Estate with Jamisa McIvor)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

A lot of people have very heavy emotions around money - from anxiety about their financial state to shame from past mistakes. Many of these emotions stem from a lack of financial education and entry points. But when you're a minority in the United States and access to this information is held by certain privileged groups it can be difficult to break past these barriers. But if we come together as a community and uplift one another we can shake things up and create a more equitable system AND country! To kick off our first episode of celebrating Pride Month 2022, I'm happy to be joined by Cally Ingebritson of Chillax Finance. As a financial coach and proud member of the LGBTQIA+ community, she is dedicated to helping members from underrepresented backgrounds bring clarity to their financial plans and make decisions that align with their lifestyles and values. If you've been feeling stuck with traditional finance then make sure to join Cally and me as we discuss how you can get started on developing a confident and positive relationship with your finances! Highlights: >> How Cally got started in the financial world >> Cally's ‘Broke to Badass' mindset >> The financial service industry is ‘pale, male, and stale' >> How Cally helps clients go from broke to badass >> What motivates Cally to grow Connect with Cally: >> https://www.chillaxfinance.com/ (Website: https://www.chillaxfinance.com/ ) >> https://www.facebook.com/chillaxfinance (Facebook: https://www.facebook.com/chillaxfinance) >> https://www.instagram.com/chillaxfinance/ (Instagram: https://www.instagram.com/chillaxfinance/)  >> https://twitter.com/chillaxfinance (Twitter:  https://twitter.com/chillaxfinance) >> https://www.linkedin.com/company/chillaxfinance/ (LinkedIn: https://www.linkedin.com/company/chillaxfinance/)  >> https://anchor.fm/shakipedia (Shakipedia: A Shakira Podcast: https://anchor.fm/shakipedia)  If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/some-life-and-business-updates-with-maricela-miles-mattingly (Episode 150: Some Life and Business Updates with Maricela Miles-Mattingly) >> https://minority-money.captivate.fm/episode/life-planning-with-george-kinder (Episode 142: Life Planning: Looking Beyond Finances with George Kinder) >> https://minority-money.captivate.fm/episode/finding-success-as-a-minority-with-paty-villegas (Episode 124: Finding Success as a Minority with Paty Villegas)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv), Spotify (https://spoti.fi/3jParH0), Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

After just launching our business, moving to a new house, traveling by plane to Chiacago, and recently celebrating our son's birthday– it's been one crazy ride! With a bit of a whirlwind of so many different things happening recently, Maricela and I decided that we wanted to come on here and talk about what we have planned for the next few months! Highlights >> Our son's birthday! >> The conference in Chicago. >> Quick market updates! >> Stay tuned for Pride Month! If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/the-impact-of-money-with-anjali-jariwala (Episode 148: The Impact of Money with Anjali Jariwala) >> https://minority-money.captivate.fm/episode/the-blueprint-for-financial-decision-making-with-meg-bartelt (Episode 107: The Blueprint for Financial Decision Making with Meg Bartelt) >> https://minority-money.captivate.fm/episode/what-does-it-take-to-build-a-mission-driven-business-with-brian-thompson (Episode 99: What Does it take to Build a Mission-Driven Business? with Brian Thompson)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

The cannabis industry has been riddled with stigma; both for its place in society, and how black and brown minorities have become the face of it in the war on drugs. While it's now legal in the state of California, it is still very much federally illegal. Because of this, so many people from the traditional markets that run on cash, are unable to be financed or backed up by banks or are getting taxed incredibly high. In this episode, I'm joined by Jontae James, an entrepreneur who started young and dove into the venture capital industry after selling his first company in his mid-twenties. Now as the CEO of NatureTrak, Jontae works with cannabis-related businesses and provides them with risk management and compliance solutions for their everyday business. If you think you're bad with money, there might be more to it than just bad planning! Highlights >> The legalization of cannabis in California >> Why banks don't like cannabis-related business >> How NatureTrak helps get the unbanked get banked >> How Jontae's childhood made him the entrepreneur he is today Connect with Anjali: >> https://www.naturetrak.com/ (Website | www.naturetrak.com) >> https://www.linkedin.com/in/jontae/ (LinkedIn | Jontae James) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/the-impact-of-money-with-anjali-jariwala (Episode 147: The Impact of Money with Anjali Jariwala) >> https://minority-money.captivate.fm/episode/the-blueprint-for-financial-decision-making-with-meg-bartelt (Episode 107: The Blueprint for Financial Decision Making with Meg Bartelt) >> https://minority-money.captivate.fm/episode/what-does-it-take-to-build-a-mission-driven-business-with-brian-thompson (Episode 99: What Does it take to Build a Mission-Driven Business? with Brian Thompson)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

There are many iterations of the immigrant story of coming to America with a limited amount of money– or if any at all. Growing up with parents that had to go through this can leave deep impressions on younger generations– where money is scarce and it must be saved. While saving and budgeting is a great way to future-proof, it might not be the best way to make that money work for itself; which is why financial education is so important. For this episode, I've invited over Anjali Jariwala, a career changer that started in tech but quickly grew tired of the 80-hour workweek. After transitioning to financial planning, working up the ranks, then ultimately leaving to start her own firm, Anjali found her passion in helping minorities, immigrants, children of immigrants, and young couples with families trying to build wealth. If you think you're bad with money, there might be more to it than just bad planning! Highlights >> The impact of money >> How culture affects our behavior with money >> Bridging the gap between business and personal finance >> How we can teach children about money Connect with Anjali: >> http://www.fitadvisors.com (Website | www.fitadvisors.com) >> https://twitter.com/anjalifit?lang=en (Twitter | @AnjaliFIT) >> https://podcasts.apple.com/us/podcast/money-checkup-with-anjali-jariwala/id1451666708 (Podcast | Money Checkup) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/building-a-financial-planning-firm-with-valerie-rivera (Episode 146: Building a Financial Planning Firm with Valerie Rivera) >> https://minority-money.captivate.fm/episode/life-planning-with-george-kinder (Episode 142: Life Planning: Looking Beyond Finances with George Kinder) >> https://minority-money.captivate.fm/episode/creating-your-financial-narrative-with-shehara-wooten-black-history-month-special (Episode 135: Creating your Financial Narrative with Shehara Wooten)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Join me in this solo episode where I'll be sharing my overwhelming gratitude for what God has done in our lives and to give you an update on what's going on behind the scenes. I'd also like to take this time to thank all of you who have been supporting us through the four years of the podcast. This episode is a reflection on life. If you look at things that you've gone through, obstacles you've faced, things you've overcome. Look at your life and look at everything that's happened, there's only one way that things could have happened - it's all because of God! If you've been getting value from the podcast, please send an episode - one of your favorites - to your friends, family, even to someone you don't like too much - send this https://bit.ly/3LZGn6S (https://bit.ly/3LZGn6S) to them!  Highlights: >> Onyx Advisor Network - Onyx is a network for underrepresented advisors - women, people of color, people from the LGBTQ plus community, and others. We have created a platform where they can start, scale, and sustain their businesses. This is going to make it easier to have access to the financial planning industry for all people. If you're a consumer and you want to have an advisor that looks like you, talks like you, feels like you manage your money and help you, then this is where you can find them https://www.onyxadvisornetwork.com/ (www.onyxadvisornetwork.com)! >> My business partner is welcoming a new baby! >> God's hand on how we sold our home of 14 years and how we found our new gorgeous home. >> Mother's day thoughts and appreciation for all the mothers. If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/finding-success-as-a-minority-with-paty-villegas (Finding Success as a Minority with Paty Villegas) >> https://minority-money.captivate.fm/episode/your-finances-and-circumstances-with-luis-rosa (Understand Your Finances and Circumstances with Luis Rosa [Step 1 of Financial Planning]) >> https://minority-money.captivate.fm/episode/investing-in-women-with-patience-marime (Investing in Women with Patience Marime) I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)) , Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)) , Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

With behavioral finance only formally discovered as early as 50 years ago, there's been almost a lack of conversation around it. At the end of the day, after people invest, the question that's asked runs more along the lines of “Is this enough?” and, “Am I going to be okay?” In this episode, I'm joined by Brian Portnoy, the founder of Shaping Wealth, and the author of books that discuss and talk about behavioral finance. With over 15 years of experience, Brian coined the term funding contentment as a way to really hook people into understanding the relevance of how our earning abilities affect both our happiness and our peace of mind. Jump in on our conversation as Brian shares with us how we can underwrite a life that is meaningful to us! Highlights >> What is Behavioral Finance >> Funding Contentment >> Brian's Business and Books >> The advisor's role in a dynamic wealth industry >> Brian's motivations Connect with Susanne: >> https://www.shapingwealth.com/ (Website | Shaping Wealth) >> https://www.linkedin.com/in/brianportnoy/ (LinkedIn | Brian Portnoy, CFA) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/building-a-financial-planning-firm-with-valerie-rivera (Episode 145: Building a Financial Planning Firm with Valerie Rivera) >> https://minority-money.captivate.fm/episode/life-planning-with-george-kinder (Episode 142: Life Planning: Looking Beyond Finances with George Kinder) >> https://minority-money.captivate.fm/episode/making-the-financial-industry-more-inclusive-with-lazetta-braxton (Episode 68: Making the Financial Industry More Inclusive with Lazetta Braxton)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Growing up, we often looked up to those that have achieved what we aspire to be– but for minorities, it can be hard to progress in a world where we don't see people of color succeed, or we find that they have much bigger hurdles to overcome. It can be intimidating, but that is exactly why we need to face these issues and create the space for change to take place. For this week, I'm joined by Valerie Rivera, a certified financial planner who risked everything to start her own firm. As first-generation money, the risk she took is something I'm sure a lot of us are familiar with at different scales. Join our conversation as Valerie shares with us important parts of her journey I'm sure you'll resonate with! Highlights >> How Valerie started her financial planning journey >> Striking a balance between being authentic and financial gains >> Being the first generation money Connect with Susanne: >> https://www.linkedin.com/in/valerie-a-rivera-cfp%C2%AE-3a1b775/ (LinkedIn | Valerie A. Rivera, CFP®) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/success-for-minority-teens-with-carlos-gomez (Episode 88: Success for Minority Teens with Carlos Gomez) >> https://minority-money.captivate.fm/episode/bridging-the-racial-wealth-divide-with-dedrick-asante-muhammad-black-history-month-special (Episode 85: Bridging the Racial Wealth Divide with Dedrick Asante-Muhammad) >> https://minority-money.captivate.fm/episode/making-the-financial-industry-more-inclusive-with-lazetta-braxton (Episode 68: Making the Financial Industry More Inclusive with Lazetta Braxton)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

While a lot of companies talk the talk, only a handful ever walk the walk and stand by their promises to be inclusive towards minorities. While indeed the world is changing, the fight is far from over to have financial education and opportunities available to our people. For this episode, I've invited Lazetta Braxton, co-CEO of 2050 Wealth Partners, and a social entrepreneur that aims to amplify diversity, inclusion, and equality in the financial planning profession. It is through her own consulting firm, Lazetta & Associates, that she is able to create her own change by employing a “no fear, no shame” zone so her employees and associates feel like they are in a safe space. The change begins with you, so hop in on this episode and check out how Lazetta can help! Highlights >> Using Human Capital for Social Change >> Older Firms Aren't Keeping Up >> Leaving a Legacy >> Lazetta's Financial Tip Connect with Susanne: >> https://twitter.com/lazettabraxton?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor (Twitter | @lazettabraxton) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/success-for-minority-teens-with-carlos-gomez (Episode 88: Success for Minority Teens with Carlos Gomez) >> https://minority-money.captivate.fm/episode/bridging-the-racial-wealth-divide-with-dedrick-asante-muhammad-black-history-month-special (Episode 85: Bridging the Racial Wealth Divide with Dedrick Asante-Muhammad) >> https://minority-money.captivate.fm/episode/making-the-financial-industry-more-inclusive-with-lazetta-braxton (Episode 68: Making the Financial Industry More Inclusive with Lazetta Braxton)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

For a lot of minority business owners, building wealth is much more than just the glitters and gold of the entrepreneur title. Business profit can mean the difference between going hungry and keeping your family fed. As an advocate for financial education, I really wanted to bring someone onto the show that can showcase how a different system of cash management can improve the family business profit over time. In this episode, I'm joined by Susanne Mariga, a CPA with a passion to put an end to entrepreneurial poverty and improve minority family legacies. With over two decades of experience, Susanne has practiced and perfected the Profit First cash management system which has lifted thousands of entrepreneurs from struggle to success. So if you've been struggling and can't seem to strike a balance with your cash management, Susanne definitely has something for you to try out! Highlights >> Profitable Minority Money >> Paying for Profit First >> Strategies to Increase Business Profit >> How Accounting Helps Profitability >> What Inspires Susanne to Grow, Learn, and Lead Connect with Susanne: >> https://susannemariga.com/ (Website | susannemariga.com) >> https://susannemariga.com/book/ (Book | Profit First for Minority Business Enterprises) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/all-the-colors-changing-the-complexion-of-wealth-with-diana-g-yanez (Episode 141: All The Colors: Changing the Complexion of Wealth with Diana G. Yanez) >> https://minority-money.captivate.fm/episode/diversity-in-financial-planning-with-rita-cheng (Episode 120: Diversifying the Financial Planning Landscape with Rita Cheng) >> https://minority-money.captivate.fm/episode/the-power-of-taking-control-of-your-finances-with-naseema-mcelroy (Episode 104: The Power of Taking Control of your Finances with Naseema McElroy)  I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

We've talked so much about financial planning on this podcast, but there's a much bigger picture we also need to consider when we lay down our finances. And that's life planning– where we aim our financial goals based on what we want to achieve in our lifetime and how we can support our dreams. In this episode, I'm joined by George Kinder, founder of the Kinder Institute of Life Planning. Harvard-educated, George spent his life revolutionizing financial planning advice for 35 years by training over 3,000 professionals across 30 countries. With so much experience under his belt, George is sure to open up your path to more financial opportunities! Highlights >> Financial Planners vs Life Planners >> Things to Think About Before Hiring a Planner >> Meditation and Self Care: How It Can Improve Your Life >> Education's Role in Wealth Building Connect with George: >> https://www.kinderinstitute.com/ (Website | kinderinstitute.com) >> https://twitter.com/georgedkinder?lang=en (Twitter | @GeorgeDKinder) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/building-generational-wealth-with-lea-landaverde (Episode 133: Building Generational Wealth with Lea Landaverde) >> https://minority-money.captivate.fm/episode/scoring-in-life-and-in-finance-with-darin-carter (Episode 92: Scoring in Life and in Finance with Darin Carter) >> https://minority-money.captivate.fm/episode/the-road-to-financial-wellness-through-financial-literacy-with-jason-wenk (Episode 90: The Road to Financial Wellness through Financial Literacy with Jason Wenkya Dreizler and Liv Gagnon)  I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Financial literacy is not something that comes easy for a lot of people– oftentimes people are ashamed and shy away from complicated terms. This is especially true for those that speak another language as their mother tongue. In this episode, I'm joined by Diana G. Yanez, founder of All The Colors. Her company aims to teach holistic financial education through workshops, one-on-ones, and shareable educational content. While a whiz with money and numbers, Diana is passionate about her work as an educator– empowering many in the process. Jump in on this episode as we change the complexion of wealth! Highlights >> Diana's Source of Passion to Help >> Keeping Things Simple with Diana >> First Generation Money >> Gaining the Trust of Clients Connect with Diana: >> https://www.linkedin.com/in/dianagyanez (LinkedIn | Diana G. Yáñez, MA, CFP®, RLP®) >> https://mobile.twitter.com/dianagisel_y (Twitter | @DianaGisel_Y) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/financial-planning-and-the-racial-wealth-gap-with-dr-miranda-reiter-phd (Episode 140: Financial Planning and the Racial Wealth Gap with Dr. Miranda Reiter, Ph.D.) >> https://minority-money.captivate.fm/episode/breaking-glass-ceilings-in-finance-with-rosa-chalekian-and-mari-miles-mattingly (Episode 139: Breaking Glass Ceilings in Finance with Rosa Chalekian and Mari Miles-Mattingly) >> https://minority-money.captivate.fm/episode/kicking-off-womens-history-month-with-sonya-dreizler-and-liv-gagnon (Episode 138: Kicking off Women's History Month with Sonya Dreizler and Liv Gagnon)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

For a long time, gender and racial equality stood far from ever being recognized and addressed. It's only in recent years that we as a society have progressed to be much more inclusive and representative of minorities in the financial planning field. In this episode to celebrate women's month, I'm joined by Dr. Miranda Reiter, Ph.D., an accomplished individual that has well over 20 years of experience in the field of financial planning. With her credible studies into the racial differences in life insurance, Miranda aims to bring to light the systemic and historical issues that present themselves in the financial literacy of households of color. Join us in this episode as we talk about the facts and how the industry needs to change to present more equal and equitable opportunities for minorities. Highlights >> The Biggest Changes to Financial Planning >> The Impact of Race and Gender on Consumer Behavior >> The Relationship Between Financial Planning and the Racial Wealth Gap >> What Needs to Change Connect with Dr. Miranda: >> http://twitter.com/mirandareiter (Twitter | @mirandareiter) >> https://www.linkedin.com/in/mirandacreiter (LinkedIn | Miranda Reiter, Ph.D., CFP®) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/brand-building-and-minorities-in-finance-with-jacqueline-schadeck (Episode 123: Brand Building and Minorities in Finance with Jacqueline Schadeck) >> https://minority-money.captivate.fm/episode/diversity-in-financial-planning-with-rita-cheng (Episode 120: Diversifying the Financial Planning Landscape with Rita Cheng) >> https://minority-money.captivate.fm/episode/building-a-successful-business-with-sheneya-wilson-black-history-month-special (Episode 84: Building A Successful Business with Sheneya Wilson)  I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Welcome to the second episode of the Minority Money Podcast for Women's History Month! This episode will be guest-hosted by Mari Miles-Mattingly, featuring Rosa Chalekian– previously a guest for Episode 102 alongside her husband, Alex. In this episode, Mari and Rosa dive into their experience as women still actively fighting for basic respect in different parts of society. From the home to the workplace, it's only recently that people have grown comfortable having a woman in power or allowing the glass ceiling to break. As entrepreneurial women, the struggle is only amplified– where doubt is placed on their capabilities to deliver despite accomplished and well-proven backgrounds. If you've ever felt like people have put you down for your gender, then we hope that this episode empowers you to prove everyone wrong and achieve your dreams! Highlights >> What does Women's History Month mean >> Harassment Directed at Women >> How people oftentimes underestimate women >> Raising Independent Women, Raising Good Boys >> Rosa's advice for young women Connect with Rosa >> https://rosachalekian.com/ (Website | rosachalekian.com) >> https://www.instagram.com/rosa.chalekian/ (Instagram | @rosa.chalekian) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/we-need-to-talk-social-justice-investing-with-rachel-robasciotti (Episode 102: Proper Team Dynamics with Alex and Rosa Chalekian) >> https://minority-money.captivate.fm/episode/growth-mindset-the-only-mindset-youll-need-for-success-with-patricia-villegas (Episode 78: Growth Mindset: The Only Mindset You'll Need for Success! with Patricia Villegas) >> https://minority-money.captivate.fm/episode/we-need-to-talk-social-justice-investing-with-rachel-robasciotti (Episode 73: We Need To Talk… Social Justice Investing with Rachel Robasciotti)  I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Welcome to the first Minority Money episode for Women's History Month! While the fight for equality has made bounds and milestones in our society, women; especially women of color, are still fighting for their space in many aspects of said society. In this episode, I'm joined by Sonya Dreizler and Liv Gagnon, some of the most driven people I've met in my life. Striving to empower women and people of color, these two are co-founders of Choir, a new firm that aims to certify and verify that conferences are truly diverse beyond the surface level.               To kick-off this month of March, they'll be sharing with us their journey leading up to launching Choir, and their firsthand experience with the deeper issues of diversity in corporations and the under-representation in conferences. Join us in this episode as we dive into how you can get involved and be part of the solution for women all over the world! Highlights >> How Sonya and Liv met >> The Creation of Choir >> What Sonya and Liv see coming up for Choir >> How you can get involved >> What inspire and motivate Sonya and Liv >> Advice from Sonya and Liv Connect with Sonya & Liv >> http://www.hellochoir.com (Choir Website | www.hellochoir.com) >> https://twitter.com/SonyaDreizler?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor (Twitter | Sonya | @SonyaDreizler) >> https://twitter.com/LIVgagnon (Twitter | Liv | @LIVgagnon) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/creating-change-through-representation-with-ana-trujillo-limon (Episode 131: Creating Change Through Representation with Ana Trujillo Limón) >> https://minority-money.captivate.fm/episode/investing-in-women-with-patience-marime (Episode 94: Investing in Women with Patience Marime) >> https://minority-money.captivate.fm/episode/empowering-women-to-be-in-finance-with-shana-sissel (Episode 89: Empowering Women to be in Finance with Shana Sissel)  I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Welcome to the conclusion of the Black History Month celebration but that doesn't mean you should stop studying or celebrating this important part of American history that is often forgotten.  With all that being said, I wanted to talk a little bit more about Black History, but have also decided to invite a very special guest, my wife, Maricela Miles-Mattingly. As a non-black person, I believe it is also of utmost importance to get her view on what Black History means for her and how this month changed her perspective.  She will also be talking about the upcoming Women's Month, so for any of the ladies following this podcast, this is something to stay excited for too.     Highlights >> Mari's thoughts on black history month  >> Mari's experience when she visited Nearest Green >> How important it is for Mari to have her kids appreciate both their black and mexican culture >> What women's history means to Mari >> What Mari is looking towards for Women's History Month.  >> Mari's final words for you   Connect with Mari  >> https://twitter.com/mrs_three_m (Twitter )         If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/an-nfl-champions-guide-to-financially-literacy-money-management-and-wealth-building (Ryan Harris: An NFL Champion's guide to Financial Literacy, Money Management, and Wealth Building) >> https://minority-money.captivate.fm/episode/how-to-be-a-champion-in-finance-with-lauryn-willaims (How to Be a Champion in Finance with Lauryn Williams [Black History Month Special])  >> https://minority-money.captivate.fm/episode/financial-planning-is-personal-and-you-should-start-now-not-later (Financial Planning is Personal and You should Start Now!)  I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

Most of you may have never heard of Nathan “Nearest” Green but his story is a true American story and of utmost importance especially now in black history month. Nathan “Nearest” Green didn't just make great whiskey, he made history. His story is just one of the many great African American stories that remain quite untold and that is why for today's episode I want to shed some light on this.   I hope by the end of this episode you are inspired by what you heard and I also encourage you to do your own digging on him.     With that said, let's get right into it.  Highlights >> Nathan's early life >> How Nathan became the first known African American master distiller >> Nathan's family >> My trip to Nathan's distillery and my experience there    Connect with Nathan's distillery >> https://unclenearest.com/ (Website )         If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/we-need-to-talk-about-racism-empathy-george-floyd-and-being-black-in-america (We need to talk... about racism, empathy, George Floyd, and being Black in America) >> https://minority-money.captivate.fm/episode/following-your-passion-growing-your-wealth-with-modern-moneys-angela-moore (Following your Passion & Growing Your Wealth with Modern Money's Angela Moore) >> https://minority-money.captivate.fm/episode/taking-your-finances-to-the-next-level-with-first-gen-wealth-builder-anna-njie-konte (Taking Your Finances to the Next Level with First-Gen Wealth Builder Anna N'Jie-Konte) I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS

We all have a story that is uniquely our own and just like with finances, not everyone goes through the same journey. Shehara Wooten is one such financial planner who is here to help you create your own financial narrative which caters to your needs.  Shehara originally graduated with B.S. in Electrical and Computer Engineering and her first job out of college was with an industrial manufacturing firm. After some deep soul searching, she eventually decided to take a leap of faith and pursue her true passion which is helping women and STEM professionals craft their amazing financial success stories.   Now she wants to help you create the story you deserve so make sure to check out today's episode and find out how Shehara helps her clients differently as compared to other financial planners.    Highlights >> Shehara's background  >> Shehara explains financial narratives   >> The wealth gap  >> When did Shehara know to switch careers >> Shehara talks about her book    >> Shehara's final advice for you        Connect with Shehara >> https://www.yourstoryfinancial.com/mystory.html (Website) >> https://www.facebook.com/YourStoryFinancial/ (Facebook) >> https://www.instagram.com/moneyandmoves/ (Instagram) >> https://www.linkedin.com/in/shehara/ (LinkedIn) If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/minority-health-preventive-medicine-busting-covid-19-myths-with-dr-rox (Minority Health, Preventive Medicine, Busting COVID-19 Myths with Dr. Rox) >> https://minority-money.captivate.fm/episode/secure-your-familys-future-through-estate-planning-with-mike-bennett (Secure Your Family's Future Through Estate Planning with Mike Bennett) >> https://minority-money.captivate.fm/episode/life-insurance-101 (Life Insurance 101)  I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app and SHARE THIS