Mommy Money Matters

Are you the type of person who puts something in place and then forgets about it? For example, you opened an IRA at the bank and haven't bothered to check on it or its performance? Do you even open your statements? This is where I recommend for you to inspect what you expect! We get busy with life and then you have an emergency situation that leads you to needing money and that's when you remember the account. But to your surprise its performance is not what you expected. This episode talks about the importance of keeping an eye on your money. Most people don't and they usually are surprised and disappointed. Listen in on why it's important to stay in communication with your financial professional. I personally highly recommend having a conversation with them at least once a year. Always be aware of what your money is doing! Remember to make money and not excuses! --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

This episode is mainly to inform you, the consumer, to be very cautious when disclosing personal information over the phone. Not only are we dealing with identity fraud, credit card fraud, bank account fraud, but NOW retirement account fraud. This episode is short, sweet and to the point. Here are the do's and don'ts when it comes to you handling your personal financial accounts, whether it be, bank accounts or retirement accounts. These hackers are getting very sneaky. Listen carefully and stay alert by following these recommendations. The last thing you want is for your parents or grandparents to loose their hard earned money upon retirement. Take care of yours! --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

The way SM is right now, anyone can get on and say ANYTHING they want!! As consumers of this content we tend to believe these individuals. It doesn't matter whether it's factual or not, we believe it to be true. If you've been on SM you know what I'm talking about. Here's the thing, not all of is factual. In fact most of it is other people's opinions. Living in this country, freedom of speech is one of our rights. I say this to say, we have to be more careful of the content we listen to and perceive to be true. Sometimes it can do more harm than good. I can go into so many areas with this topic. But what I would like to encourage the consumer is to always do their due diligence and educate themselves on the subject matter at hand. To find out more about what I'm referring to, take a listen to my latest episode. Here's a hint, it has to do with what I do for a living and what I help families with, day in and day out. Don't be easily persuaded by other people's opinions. Gather your facts and make family decisions accordingly. I can't stress this enough. Should you have any questions or concerns, feel free to get in touch. It won't cost you anything!! --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

This episode is a bit different but all about weighing your options and doing your due diligence. As I meet with my clients, the young ones come to me for my personal recommendations regarding their future and their potential careers. I have had a lot of experience in that area personally but I always focus on them. I always tell them to find a career that not only is fulfilling but can help pay the bills and then some. Imagine going to work day after day and hating it. Then you realize you're still short every month. That's not life!!! That's you in the rat race or a hamster in the hamster wheel going nowhere! But waking up and doing the same thing over and over again. If this is not what you want then I highly recommend you listen to this episode for some pointers. Who knows, may this episode will help guide you? Not only do I give you information but I also talk about a few personal stories from my clients and family as well, including my own. The last thing you want to be worrying about as a young emerging adult is actually being an adult and dealing with so many what if's like most do. I invite you to take seat and listen in. Share this with any Gen Zs and Millennials who find themselves overly anxious and stressed over the unknowns of life. Like always, if you have any questions or inquiries feel free to reach out to me. --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

Join me on this episode, as I share some stories of old and new clients regarding life insurance for their children. Coming from a mother of five and a grandmother as well, for me personally, it is highly imperative that we protect our children with life insurance. Why is that? Because we are protecting their future insurability . We don't know what life is going to throw our way, and whether our children will be perfectly healthy or not. These unknown factors are the very reason why we should protect our children with life insurance. In this episode, I talk about child term writers and individual life insurance plans for your children. I highly recommend you consider one or the other and protect your children. Remember to always do your due diligence before committing to anything. Ask as many questions as you need to, to make an informed decision. I'm more than happy to answer any questions you may have. It is a free service and I also offer a 30 to 45 minute consultation free of charge with no commitment necessary. Don't let it be too late, protect yourself and your children. Your future self will thank you for it. --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

This episode is focused on going back and re-learning the difference between life insurance products and finding out which one is better suited for your family's needs. Very often I get asked, “Why should I have more than one product in place?” My response, “That's a great question.” Because it is!! As a licensed professional it is my duty to explain the differences and let my clients decide for themselves. When I come across a client who is adamant about purchasing one particular product I don't try to convince them of why they shouldn't purchase it. What I do instead is ask my client, “Why do you want that specific product? What do you know about the product?” And let them explain. You see sometimes, they don't know what they don't know. It is my responsibility to assess how much they understand about the products being discussed to be able to move forward. Once we do that, then we can continue with our conversation. It is highly imperative that we as consumers do our due diligence when it comes to financial matters. Don't you agree?? Feel free to share this episode with friends and family who are looking into purchasing life insurance. Have any questions? Find us on SM and ask away! --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

Having a loved pass is one of the toughest experiences of life we have to deal with. Let alone needing to find the place to handle all the burial services and with this comes the expenses. How many know the costs involved? Have you done your research? Here, in the state of California on average it can be anywhere between $10k to $25 depending on what the family wants. How about cremation? Well, that also varies. It all boils down to how much can the family afford. But did you know that if you don't want any viewing services nor mass etc. the cost can be very well under $1,000 in some locations? This is why it's important to look around and not go with the first place you visit. Nor should one discuss right off the bat that there's life insurance in place. Why?? Take a listen to this episode and find out. There's information on what steps to take should you come across this situation. But always, always do your due diligence!! I can't stress this enough. Should you have any questions or concerns feel free to reach out!! Our focus is to provide value everywhere this podcast reaches and keep our community informed. --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

Are you one of those individuals who say new year new goals? If so, where are you as of right now when it comes to those goals? If you decided that you were going to handle your finances a little bit differently this year then you're in the right place. There's quite a lot to do when it comes to financial planning, and what I do when I sit down across the kitchen table with a potential clients. First and foremost, before anything else we focus on reviewing their financial needs and goals analysis. I want to know where they're at and what they are currently doing to get them to their goals. This helps me understand where their mindset is at, and we can go from there The number one objective for me is also to make sure that that family is protected this includes the spouse and the children as well. a lot of times the only one who has any type of life insurance protection is the breadwinner and the stay at home parent doesn't have anything in place. Sometimes it's the stay at home parent that needs it the most. Why? Because normally they are the ones who take care of everything from the home, the children, and the cooking as well as doctors appointments and what not. God forbid something should happen to the stay at home parent. How would the breadwinner be able to go to work if they need to tend to the children and the home? Exactly!!! This is when I say, “A simple term will do!” This episode explains everything as to why a simple term may be the best way to start taking care of and protecting your family. Do me a favor and share this information with those you care about. You never know who might be needing this right now. TIA! --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

How did 2023 turn out for you? Was it what you expected or could you have done better? In this episode we talk about how we can change 2024 if 2023 was not what you had expected. Of course the number one point and key in every episode is to discuss money matters. My focus this year is to bring real life stories from clients, of course with their permission to share. I will be discussing the behind-the-scenes of some of the things I do for my clients as well as maybe some of the events we have. This is actually to show you the listener, what being a financial coach really entails. Why? Well, what if you've considered being in the financial services industry but are unsure if that's in your wheelhouse? Don't get me wrong. I love what I do but it's not always easy. Especially when you have to file claims because a client of yours passed. But the reward of knowing you put a plan in place to protect their family is really priceless. You can never bring the loved one back but they can rest assured that their family will be OK financially. Bringing families, financial peace of mind is my number one priority and of the upmost importance to me. 2024 for MommyMoney Matters will be different but in good way. If you don't follow this podcast yet make sure you do, you'll be glad you did. Talk to you soon! --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

Losing a loved one is never easy, and it can be especially difficult to talk to children about death. However, it's important to have an open and honest conversation with your kids about someone passing away. Personally speaking, this subject was taboo in our home. As children we don't know nor comprehend all the emotions we're feeling. Being honest and answering all the children's questions is very important. Explaining that death is a natural part of life and that is ok to feel sad should be part of that conversation. Be as supportive as can be. Your children may be feeling a range of emotions, from sadness to confusion to anger. Let them know that it's okay to feel however they're feeling, and offer your support and comfort. Encourage them to express their emotions in healthy ways, such as talking to a trusted friend or family member, drawing or writing about their feelings, or participating in a favorite activity. Depending on the circumstances, you may be able to help your children say goodbye to the person who has passed away. This could include attending a funeral or memorial service, creating a special memorial at home, or writing a letter or drawing a picture to honor their loved one's memory. Remember, talking to your children about death is never easy, but it's an important part of helping them process their emotions and begin to heal. By being honest, supportive, and providing closure, you can help your children navigate this difficult time with grace and understanding. --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

As a financial coach and licensed professional, my number one priority is to make sure the family I sit down with clearly understands the importance of protecting their families and themselves with life insurance. We are living in tough times. According to the CDC we have a higher number of deaths than other years. I've always said that there's one thing for sure, and that is death. We don't know when that will be for most of us but death is certain. As an agent, I practice what I preach. But you've be surprised how often agents don't protect their lives or let their policies lapse. If you're an agent listening to this and don't have coverage or have left your policy lapse your doing your family a disservice. So get it reinstated before God forbid anything should happen. We are not exempt from anything. If you just bought a house, got married, or started a family, the more the reason to protect your life for your loved ones. Especially if you're the breadwinner! If you let your policy lapse due to financial hardship, contact your agent and ask for a way to reinstate or purchase an affordable plan. There's always a way and it doesn't have to be pricey. What I love about what I do is having access to 150 product providers to choose from. Which helps because all families have different needs and different household incomes. But there's always something for everyone. It's just a matter of doing your due diligence and getting informed. I personally do 30-45 min discovery calls for anybody interested in any of the services I offer as a free service. If you or anybody you know is looking into this feel free to reach out. Our motto is No Family Left Behind and that is my mission. --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

As we wrap up September and Life Insurance Awareness Month, I want to close with this episode. So listen carefully and act accordingly. It can save you and your family financial struggles. It saved my family in 2020. Don't think it won't or can't happen to you because it does happen sooner or later. My goal is to bring awareness of how this information can benefit you and your family. Seriously think about what would you like your last letter to your children, spouse, mom, dad, siblings…say. Will they struggle financially to carry out your wishes or will they be able to follow through and be grateful that you kept them in your heart until your last breath. This is simply food for thought as you go about your day just like any other. Your life matters and so does life insurance. Speak to a licensed professional and do your due diligence. Don't forget to follow and share!! --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

Why is it so taboo to talk about death in our community? As a mother let me tell you why, it's the last thing I want to think about. I want to only focus on the life I want to spend with my children and family. But life doesn't necessarily happen this way. Which is why I say, “be proactive instead of reactive.” Personally, I would never want my family to go through financial hardships let alone having to handle funeral expenses when grieving. This episode will give you an insight on what I personally went through but also why we had financial peace of mind. This month of September is Life Insurance Awareness Month and what better way to discuss the importance of it and options available out there. Listen in and protect what matters most, your life!! Make sure you do your due diligence before moving forward and make sure it makes sense for you and your family. Remember, your life matters and so does life insurance!! --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

When it comes to selecting your retirement plans, whether it be through your employer or another financial institution, how much do you really know about what you're doing? Exactly!!! The majority of the time the average middle income individual doesn't know what they're doing nor do they understand the lingo. Which is why it is so important to learn more about the plans available. You have access to tax deferred and tax free plans. Do you know what those are and how they work? If you don't, lets learn together. Do you know the age requirement needed to access your money penalty free? How about the options available to you should you get laid off and need to do something with your employer retirement plan? I'll be honest with you, I sure didn't!! I made mistake after mistake because I didn't know what I didn't know. Now, it's a whole different story. I've informed myself and educated myself in financial services for many reasons, but one specifically, so that I could learn and not make the same mistakes again. So here I am now. My goal is to educate, inform and help others who need this information but don't know how to go about it. Let my podcast be a resource for all families from all walks of life. I want this podcast to be your lifeline. What do you say? Feel free to share with friends, family and acquaintances!! Remember knowledge is power only if applied. --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

Nineteen states, including California, New York, Pennsylvania, Illinois, Michigan, and Minnesota, are considering following Washington's lead in taxing those who do not own Long-Term Care Insurance. Is this something you're ready for? I'm guessing the answer is no. Because I sure am not. As a financial coach and agent I don't have LTC in place!! For two reasons, first because up until a few years back I didn't know my family's medical history was of a concern and reason number two, I'm not in my fifties yet. Now it seems I may be making changes to my policy. So why should you consider Long Term Care? Here a four reasons why. 1) To protect their assets against the high costs of long term care; 2) to preserve their children's inheritance. 3) To make long term care services affordable, such as home health care and custodial care. 4) To provide themselves with more options than just nursing home care, and to pay for nursing home care if it's needed. Remember, Long-term care services help people live as independently and safely as possible when they can no longer able to perform everyday activities on their own. So, what should you do to avoid the possible Long Term Care tax in California? You must have a tax-qualified Long-Term Care Insurance policy following Section 7702(b) of the U.S. Code. Reach out to your personal financial advisor or agent for assistance. If you don't have one, you're more than welcome to reach out to me. Lastly, don't wait for this law to take effect. Do it now!! --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

Hello everyone! We're back!!! We have a lot of information to share with everyone. We might take a break here and there but one thing for sure. We aren't going anywhere. With that being said, let's address the elephant in the room. This social media talk about becoming or retiring a millionaire. As licensed professionals we get the side eyed or rolling of the eyes every time we bring up this topic. But have you ever asked yourself, what do they know that I don't? This is why one of my most used phrases is “you don't know what you don't know!” But if you're open to learning about it you'll soon find out what that is. This episode discusses how retiring a millionaire isn't to far fetched and why it's such a big deal. In case you haven't noticed a lot has changed in the economy in the past three years. How you make your money work for you now will have a great impact on what your retirement future looks like. If you're not sure where to start then I'm talking to you. Don't procrastinate! Start your financial planning now. You'll be glad you did. I can assure you of that. If you have any questions feel free to email us at info@mommymoneymatters.com or simply visit our website for more information at mommymoneymatters.com --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

The title of this episode was actually a question from one of my followers on Social Media. So I decided on turning it into a podcast episode to reach the masses. In this episode I share five tips on what I personally recommend when getting started with investing. Please keep in mind these are only recommendations and for informational purposes. For further assistance contact a licensed financial professional. I do want to reiterate that starting young is the BEST place to start. There's a lot to learn about how money works and how you can make it work for you. Don't spend 40+ years working for your money and not learn about the options you have to growing your money and placing your self in a better situation financially. Listen in and share with your young adult children. For more information feel free to visit our website at www.mommymoneymatters.com --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

This episode is focused on giving you information regarding what to do when it comes to your money matters. We're specially, addressing the elephant in the room, which is the insolvency of banks. What to do and how to go about in protecting your money. First things first, do not panic. As you already know, the federal government is already on top of it, and making sure that all the customers who have money in these banks, don't lose their money. There are plenty of reasons as to why a bank becomes insolvent, so listen in to episode and find out some of the reasons why this happens. Although, I highly recommend you putting your money where millionaires do. Keep listening to find out where that is. Also, we have great news! We did a soft launch of our website late last week! Make sure you go and check it out! Give us any feedback in regards to it and input on what else you'd like to see on the website. Feel free to subscribe to our email list so that you can get our monthly newsletter with all kinds of tips when it comes to your money. If you'd like to send us an email, feel free to do so at Info@mommymoneymatters.com . Don't forget to visit our website at www.mommymoneymatters.com. --- Support this podcast: https://podcasters.spotify.com/pod/show/mommymoneymatters/support

An annual financial review gives you a chance to evaluate your financial position. Many changes can affect your investments during the course of a year. It's important to monitor your retirement and investment accounts regularly and make adjustments annually to stay on track. Your asset allocation could be off balance. These reviews provide you and your Financial Advisor/ coach/planner the opportunity to take an in-depth look at your goals, and prioritize what matters most. Together, you can determine whether you're on track to achieving them or need to identify ways to catch-up. It is imperative to review your plans over time. You also need to adapt your financial plans as your circumstances change. Listen in on why I find important. And remember only take what resonates. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

As I was getting ready to select a topic for this episode, I was in the process of performing annual reviews with my clients, who were asking questions in regards to everything in their financial house. Which led me to this episode. I will be addressing a little bit about everything when it comes to cleaning up your financial house. Warning! This episode may seem as if I am all over the place but in reality these are all the topics of conversations with my clients in their annual reviews. What is an annual review you may ask? An annual review is performed by financial professionals and advisors when we sit down with our clients via zoom or face-to-face to go over the financial plans they have put in place to achieve their financial goals. We let them know if they are on track to achieving those goals or if we need to make any adjustments/course corrections based on the numbers. Since it's tax season, I will cover a little bit of information on taxes, as well as Roth IRA contributions, debt, retirement, and life insurance. As I cover some of this information with you, I will also talk about stories from some of my clients and what they've experienced in regards to these topics. If you want to learn about what to look for in your financial house, listen closely. Don't forget to share!!! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

This episode is short, sweet, and to the point. There's been a lot of talk about us entering a recession. You may or may not how this can affect you and your pocket. But in all honesty those who have been working for 25+ years are who feel it most and are affected the most. Listen in and find out why, then learn what you can do to prepare. If you know anybody getting close to retirement share this episode with them. Being prepared and staying ready can save you lots of headaches. Wouldn't you agree? Any questions feel free to reach out through my SM accounts. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

What better way to start off the New Year then with a financial plan in place to help reach your money goals. Before giving you any insight on what this episode is about, let me ask you a question, “if the next five years are like the last five years financially, would you be OK with it?” If the answer is no, this is the episode you want to listen to. We all started this new year of 2023 with certain money goals in mind. Maybe some of you are struggling financially and worrying about money is the worst. I've been there, done that. Financial stress can cause all kinds of health issues, including depression, anxiety, and hypertension. This episode will help you get started on your wellness to financial health & wealth, both physically and mentally. I'll be sharing seven steps for you to get started on the right track toward financial wellness. These include identifying your spending habits, possibly a money diet, maybe needing to trim down the fat when it comes to spending, redefining a routine that works for you when it comes to money, setting the pace for saving money this coming year, pushing for the results you want to see this year. We encourage you to reward yourself for your discipline and hard work in accomplishing your money goals. Celebrating small wins is very important!! Don't you forget that. Lets get started, shall we? --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

Happy New Year Everyone!!! Welcome to a NEW season of Mommy Money Matters this 2023!! We have lots of information of value to help assist in your money matters this year! Lets get started. Ever wonder how people stay focused throughout the year? What do they do differently? I use to wonder the same thing. A few years back I started doing some research and also partnered up with a broker/dealer where I have had the privilege to be mentored by millionaires in the financial industry. I quickly learned what makes them different than the rest. They are no longer the average Joe. They made decisions and have backed it up by action to separate themselves from the rest. So, what is it that they do? They have a VISION of what they want their future to look like. Then take ACTION to make it happen! How do they stay focused? Some use vision boards. Others use business plans. Then you have some that do both!!! In this brand new season and first episode of 2023 we're going give you guidance and pointers on what to do to start your year off on the right foot just like what these millionaires do. If you don't want a repeat of the past three years I suggest you listen in. This episode will help you with your new year resolutions, goals, dreams, affirmations, and manifestations!!! Whatever you want to call them. If this resonates with you then follow along and click the notification button to stay tuned in for new episodes. Here we go!!!! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

This episode is all about the different things we do in our home during the holiday season. Do you love gift giving or are you more of a grinch during the holidays? Gift giving has always been my thing but with a growing family it can get a bit challenging. In this episode I talk about the different things you can do as a family to celebrate the holidays without emptying your pockets. The holidays are about spending quality time with those you love, the gift giving is extra. Planning ahead always makes a difference for us and hope these helpful tips do the same for you and your family. May this season bring you and yours everything your hearts desire. If you have any questions feel free to reach out to me. Blessings from my family to yours. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

As promised on my last episode. October is National Financial Planning Month. So what does it really mean? Listen in and you'll have insight on the seven key steps I utilize not only in my financial house but also with my clients. What better way to get ahead then to start strategizing for 2023 than now, in October. We're in the last quarter of the year and it's usually the time we assess the financial strategy we put in place for 2022. It gives us a clear picture of how we did most of the year and this is the perfect time to plan out 2023. These financial tips are something you can tackle on your own or work with a financial professional to guide you through it. I don't recommend waiting until the end of December to start focusing on your financial plan for 2023. Get ahead by starting now!! With the economic times we're in it's better to be proactive then reactive. Wouldn't you agree? I challenge you to try these seven key steps and then come back and let me know how you did. Are you willing to take that challenge? --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

As most know, September is Life Insurance Awareness Month and I take this very serious for many reasons. As you listen in you'll understand why. I know that talking about death or dying is a conversation most families don't want to have in the home. It's almost taboo. The reality is death is certain. We simply don't know when our time will come. What most families fail to put in place is a plan, not just any plan, but a financial plan, should anything happen. We always think we have time but my question to you is, how do you know?? You see we don't know which is more the reason to be proactive then reactive. It's the after the fact that one starts talking about we should've, could've, would've, but by then it's too late. Families are left with financial hardships and burdens, wondering how they are going to make. Don't let this be your family's situation. Protect your life for those you leave behind. It matters!!! If you have any questions feel free to reach out. My social media handle is @mommymoneymatters --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

We have entered the recession period that everyone was concerned about. So, how will you be taking action in your financial house? Are you ready for what can potentially happen or how it can impact your family? There were quite a few tips I shared in the last episode. If you didn't get a chance to listen to it, I recommend you go back and listen. In this episode we will focus on one of those tips and the importance of having it in place during these times. I will also touch on spending habits along with mindful spending. With that being said, we'll discuss what being cheap is and how being frugal can improve your pockets. You might say, this information is common sense but just know common sense isn't so common. So, come along and lets learn together, shall we? P.S Finding value in our content? Then please share with others whom you think might find value in it as well!! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

The recession news has a lot of people wondering how it will affect or impact their homes. First and foremost, we address what is a recession and what does it mean overall. This episode will go over four key factors to help you out. As a money coach I know that throughout the years I continue to talk to my clients about the different things they should be doing with their money regardless of whether or not we are in a recession. There are some clients that do take everything I say and apply it and then I have others that don't. Those that don't obviously are the ones that start worrying about what could happen, what's going to happen. The clients that do follow my recommendations don't worry much about money at all. I always say that if you stay ready you don't have to get ready. These are the times that we have to focus on making sure everything's in place and that regardless of what happens in the economy our families and our households will be okay. The four tips I share in this episode will definitely help you out in today's economy and future ones. Not only were these tips pandemic proof but they're also recession proof! If you've already implemented some, good for you!! If you haven't START NOW!!! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

Have you been considering putting money away for college for your children? Are you confused as to which type of investment plan is better suited for your child and their needs in the future? I know that feeling all too well. This was the exact feeling I had back in the mid 90s with my kiddos. I did back then the best I could which was to open up a savings account for them. Keep in mind that back then these accounts we're getting some type of interest credit. Nowadays, that's not necessarily the case. In this episode I will be discussing a few children investment accounts available. As you listen in keep in mind that it's very important for you to learn about these accounts, their pros and cons, so that you can make decisions accordingly. All of the information provided should be used as a guide. If you're having a hard time understanding some of these plans I highly recommend you contact a financial visor that can guide you through this process. Remember this is your money at work and you want to make sure your investing it in the right accounts for you and your family. If you enjoy this episode make sure you follow for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

There's a lot of uncertainty when it comes to the economy right now. We all understand inflation and we hear a possible recession coming. So how can we prepare for the unknown? There are a few money hacks that I have incorporated in my financial house to help outpace inflation. It's as simple as making small changes that can help you save money without you even noticing. These hacks can also help you with over spending, even on things you think you need for example groceries. There are so many ways that you can decrease spending, increase savings, and start making your money work for you. This episode is focused more on not overspending and being very watchful of where you're spending your money regardless of it being in groceries, shopping, and investing. This episode is geared towards the basics of personal finance to also more complicated questions such as investments and retirement planning. Due to a potential recession and the stock market taking a toll most people that are close to retirement are scared and in fear of losing their retirement savings. I'll briefly discuss what options are available for those who are considering repositioning that money. Remember, hacking your way to financial independence is one of the best ways to get your life on track. If you apply some of the money hacks that I've applied myself you'll soon start seeing results. In some cases those results may be small for us but remember what they say…a penny saved is a penny earned and if you add up enough pennies…well, we've all heard about the Rule of 72 by now right? So there you go. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

Social media can be a rather interesting place. Don't you agree? The past few weeks I've posted a couple of reels on different topics when it comes to financial services. One of them involved securing your financial future and the other one had to do with protecting your life for your family. Apparently these topics hit home for a couple of individuals. That's exactly what my posts are meant to do. To get you thinking outside of what you know, what you think is right, and how you live and see life. I won't to go into too much detail because I want you to listen to the episode itself. But the main focus is to prepare families for the future, financially that is. I know firsthand how unprepared I was living in this country, in the state of California, learning only what the school system is having us learn. Knowing enough to get by but not enough to be able to live the lifestyle we want. As parents we want the best for ourselves but even better for our children. So if we're not being educated in school on how to manage money, then we will be working until we die. Hence, the case in this country. The goal of this podcast is to get families thinking about how to change their upbringing and learn financial concepts that they can apply, to change the legacy in their families. Living paycheck to paycheck is what most families know as their way of life, they say. How about we start changing that mindset and narrative so that we can change financial features for all families across the US. Life is about choices and we all get to decide what those choices will be. Wether they are good or bad we decide. Financially, lets start changing it up. Don't you think? Any questions? DM me on social media! @mommymoneymatters --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

This episode is mainly focused on helping you build a solid and strong financial foundation. The main area will be on your financial house: the good, the bad and the ugly. There are four areas we cover: Debt, Emergency Funds, Retirement, Proper Protection/LTC/Disability. As you all know the pandemic took a toll on a lot of families who were not prepared financially for what was to come. The government jumped in to help and assist in aiding these families who were left jobless, with no incomes and no way to feed their families. I honestly don't know what would've happened had they not received the help. We learn from experiences and this experience was one of the toughest ones. Now we know how important it is to save for that rainy day like our grandparents always talked about. So the timing couldn't be better. It is now our responsibility to set ourselves up so that we don't have to ever encounter what happened two years ago. It starts at home and it starts with our families. Teaching everyone how important it is to put money in place to work for you and have that money make you money is key. Join us and lets talk about it. From my kitchen table to yours. Feel free to reach out to me on my social media. I'm here to help and serve. Take care and make some money moves! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

Are you want to make decisions based on emotions and not think it through? This takes me back to my mid-20s when I was working for a call center and I was encountering challenges. My boss would always tell me, “remember think with your head and not with your heart.” I always wondered why but now I know. If you are driven by emotion you might not be making the best decisions and that's where your heart leads to. But if you're driven by the logical and analytical thought process then you're more likely to make thought out decisions. When it comes to making moves regarding money it's always best to run the numbers. Remember numbers don't lie. If you want to know that decision you're about to make is the right one, it's all a matter of going through the numbers and finding that out for yourself. A lot of times we make decisions based on emotion, we're excited, we can see what the future can look like and therefore forget to run the numbers. When this happens there's feelings of let down, disappointment, and you start thinking you will never be able to get to your dreams and goals. That's not necessarily true. Running trough the numbers will set you up for success. That's only if you stay the course. This will help you get from point A to point B, with very little room for error. I encourage you to listen to this episode as it will help you position yourself for success in the future. Remember anything is possible as long as you set your mind to it and you're realistic about achieving those goals and dreams. As long as you run the numbers you should get to where you want go. Lets do this! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

This episode covers the trials and tribulations millennials are facing when it comes to becoming independent in today's economy. As parents we want our young adults to thrive on their own and be able to lead the lifestyle they choose to. Unfortunately, here in the state of California the struggle is real. Inflation has not been of much help and minimum wage isn't enough to live on your own. So what is happening with the young adults? They unfortunately have to move back home or stay in the home for as long as needed to put themselves in a better financial situation for their future. While in our home, we as parents need to advocate and guide them in their financial matters. This in turn will help them position themselves to be successful on their own. After all isn't that what we want for our children? Isn't them becoming and doing better than us parents, the goal? If you have young adults in your home I highly encourage you to listen to this episode. There's tons of valuable information to take and apply. Should you have any questions feel free to reach out to me and all my social media platforms under my handle @mommymoneymatters . Until next time, take care! --- Support this podcast: https://anchor.fm/mommymoneymatters/support

April is here and Spring has sprung! As you already know around this time most homes get a spring cleaning. So why not do the same with our financial house? This is the perfect time to review the last three months (1st quarter) of the year. Remember those new year money resolutions? How are they measuring up? Part of having resolutions is also inspecting what you expect and being accountable to yourself. I, for example had in mind to save $8k this past quarter but fell short. Now we go back to the drawing board. The goal is to continue to push to save that dollar amount as is part of our vision for the year. We also look at what's next on our financial plans for the second quarter and get laser focused. You always have to have your goal in mind. So if saving money is part of your resolutions this year than spring into saving and start now. It's never too late to get started. This month the goal is to provide you with as many financial tips to help you accomplish your money goals too! We will cover the topics of saving, investing, and spending in all areas of your financial house. The goal is to get you moving in the direction to fulfill your financial futures and have no money worries regardless of what the economy is doing. Make sure you follow and click that notification button!! If you have any questions you can find me >> @mommymoneymatters on all my social media platforms. Lets get started!!! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

Good day everyone! I've been thinking about all of the episodes I've recorded thus far and it dawned on me that I've been giving you value and recommendations on WHAT to do when it comes to your finances. What I haven't talked about is the HOW to, which is extremely important! Although the majority of you would like to take action on my recommendations not many can. Why? Because if you fall under the average middle income families, you're most likely struggling like I was at one point in time. You're probably living day to day or as we want to call it, paycheck to paycheck. When we're in this situation we feel stuck with no way out. But there is!! This podcast covers a few ways to go about in earning that additional income needed to break free from the rat race. Remember the main key is for you to think outside of the box, don't limit yourself and get after it. It takes hard work but I know you can do it! Ignore any naysayers and start focusing on the lifestyle you want for you and your family. You're very deserving of only the best, life has to offer. Hit the follow and notification button to stay informed on new episodes. You can reach out to me at @mommymoneymatters on social media . --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

Do you like listening to stories? Well, you're in the right place. In previous episodes we've touched on debt here and there. But this time I wanted to do things differently. I work mainly with mommas and their finances. I am enjoying watching them reach their financial resolutions. It's amazing to see how dedicated and focused they are. This is not the case for all of my clients though unfortunately. Here are three real life stories and the outcome of each one as it relates to paying down debt. I always tell my clients that in order for a financial strategy to work, they have to work along with it. Paying down debt is no easy feat, trust me I know. It takes time, discipline and consistency. Is it doable? Of course it is! But let me share with you these three stories and the final outcome. If you feel stuck with no way out other than BK think again!! Reach out and lets assess the situation together. If it's outside of what I feel I can take on, I'll let you know and provide options. Don't give up before trying!! --- Support this podcast: https://anchor.fm/mommymoneymatters/support

This episode is all about making money moves that are in alignment with your financial resolutions for 2022. If you remember or actually just go back and listen to the last episode. The focus being the new year and all, was financial resolutions and taking action. This episode is all about the different types of action steps you should consider when it comes to money if the objective is money growth. Whom am I talking to in this episode? EVERYONE!! Parents, single parents, whether it be single mommas, daddys, or your focus is purchasing property (house, car). Maybe you're thinking of retirement and wanting to get started on the planning. Or you're considering retiring soon. What about parents with small children who want to set up college plans or you're already there and need to figure out how you're going to pay for your kid's tuition!! All these topics will be addressed in this episode. I know, I know, it's a bit longer than anticipated but filled with so much information to kickstart your 2022! As a momma of 5 I wished this information was readily available and at my fingertips. But hey, it's never too late to get started. So, listen up and if you have any questions feel free to DM me on social media @mommymoneymatters . Enjoy!! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

We all make decisions for the new year don't we? But what tends to happen 3 months down the road? Let me answer that, we tend to forget about it or simply give up on them. I talk about resolutions and goals, but what's the difference? Let me tell you. A resolution is a firm decision and a goal is an aim or desired result. I like to use resolution because I don't just want to aim hoping to hit it. I want to be laser focused on my resolution so much as to make sure it's not just an aim but it's going to happen because I've made a firm decision. When it comes to financial resolutions for myself and our family, we make firm decisions. Of course life happens and if you've been listening a lot happened in 2021 and we didn't quite meet all our resolutions. We don't beat ourselves up. We course correct and start fresh the following year. Have you started your financial resolutions for 2022? If you haven't it's not too late we're only 11 days into 2022!! What are you waiting for? Tune in for insights! If you have any questions, I'd be happy to help! You can find me @mommymoneymatters on social media. --- Support this podcast: https://anchor.fm/mommymoneymatters/support

Holiday shopping can be exciting or dreadful depending on who you ask. Listen in as I go over a few tips on how to make this year more about "it's the thought that counts" and truly attaching sentimental value to your gifts. Your loved ones will be delighted! Personally, I apply all those tips and then some every year. It makes shopping a whole lot more effective and easier. So, if you're on the struggle bus in this matter I recommend this episode in particular. Holiday shopping done easier with a few simple tips. But before I forget, I do want to add, I strongly recommend a holiday account specifically for your Christmas shopping at the end of the year. You'll be surprised at how much you can put away a little bit at a time. Any questions? Feel free to reach out to me @mommymoneymatters on my social media platforms. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

Since I constantly get asked about the difference between a financial advisor and a financial professional is, I figured I'd give you the main points. In this episode I'll share with you what a financial professional can and can't do but also what a financial advisor sometimes is completely unaware of when it comes to products and services, as far as, what they can offer their clients. Which tends to be the case more often than not. The main product that triggers this question 9 out of 10 times is Tax-Free Retirement Accounts. I will cover the difference between these accounts and tax-deferred retirement accounts. We'll go over the pros and cons for each account and what is needed to qualify for these accounts. Yes, you read it correctly. These accounts are not just available to the wealthy few. However, these accounts can only be technically set up if you or your family qualify. Interested in learning about what products the wealthy are using to make their money work for them? Then listen to this episode and tune in to my podcast and lets learn together!! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

When I started this journey in financial services never did I imagine the impact it would have on me and my family. I knew then that Financial Literacy was extremely important but was besides myself as to why we weren't being taught this in school. I clearly remember my 26 year old starting college and opening a bank account. I was pretty shocked to find out how quickly he was approved for a credit card. He was stoked but I on the other hand was freaking out. He didn't know how much damage he can cause himself but I did. I was glad to be in a position to teach him about money management, something I had to learn by trial and error. Our children need guidance all throughput their lives and especially in financial matters. My son learned about credit and debt through a book I had him read. Had I not instilled this in him I know he wouldn't be how he is with his credit AND his money. Since Financial education is not being taught in our school system, lets start by doing so in our homes. Trust me, your children will thank you for it. Lets focus on changing generations to come by teaching how money works!! Are you with me?? For more information, follow us on social media @mommymoneymatters . --- Support this podcast: https://anchor.fm/mommymoneymatters/support

This episode is about position yourself with financial peace of mind in your future! This message is for everyone! I see financial struggles in my clients too often. I want that to change moving forward. How you ask? Well, I'll discuss what are key action steps to take so that individuals are in better financial positions as they reach retirement age. My goal is to educate in this area so that upon retirement you have income security. I want to encourage you to start making your money work for you! Some of you work 40 hours a week for 40 years, to simply retire on 40% of your income! I've got news for you, 40% is not going to take care of your household. Lets work smarter not harder. How? Good question! Through consistency, discipline, and commitment! Sometimes we have to frontload sacrifice to see the end result. But I'll tell you what, you'll be better off than most. Not everybody can do it. If you're goal is to be worry free when it comes to money, I recommend you start NOW!!! Some will start, some won't. Which one will you be? --- Support this podcast: https://anchor.fm/mommymoneymatters/support

In this episode I'll go over different scenarios of what happens when we don't put things in place. As well as what not to do with your life insurance once it is in force. The year 2020 took a toll on all of us and because of so many losses there was fear in families across the country. Rightfully so, people were getting hit by Covid-19 left and right. It was extremely scary for the elderly but we all were in a state of uncertainty. Here we are now, 18 months later now battling a different strain. There continue to be more losses. I've had quite a few in my family. I say this to say that nobody is immune to death. I'm sharing a few stories of what an impact having no life insurance has on families. I also know that at the end of the day the decision is yours to make. But I want you to picture your family and the predicament you leave them in when you don't protect your life and a little bit worse when you're the breadwinner. Again, like I said, Life Insurance matters! The question becomes, does your family matter to you?? --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

Are you feeling stuck when it comes to your credit and credit score? Wondering why you're being turned down? Not enough credit? No credit? How can you go about fixing the problem? In this episode I give you certain areas to focus on and recommend a book with additional information. It's a very short read but there are tons of nuggets! I applied this myself and boy did it make a huge difference in a matter of 3 months! If I can do it without hiring somebody to do it for me, so can you!! Which means, you can reposition that $100 and have it work for you!! I see too many people go into debt programs without completely understanding the ins and outs of the program and then finding themselves stuck when trying to make a huge purchase. My words of advice is to ALWAYS do your research before moving forward. You'll be so glad you did! There are 6 areas to consider when it comes to the statue of limitations in the state of California and can make a HUGE difference on how you approach your credit concerns. Go ahead, spare some time from your busy schedule and listen to this episode. I guarantee it will be well worth it. If you have any questions you can reach out through my social media handle @mommymoneymatters . Until next time, and remember, money matters! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

Recently I have been talking to quite a few potential clients and the number one comment they make is, "I really want to buy my own home but I just can seem to figure out how to save for it? I watch my spending and can't figure out where the hole is." What I recommend is their personal financial needs analysis to help us find out what is going on in their financial house. Once we have a clear understanding of what is going on then we can address the issue and give recommendations. The main focus is learning good money habits that will help you achieve your goals. Which means taking a close look at your spending, saving and investing habits. More often than not there's hardly any savings and no investing but a whole lot of spending. Focus on getting your money right and prioritizing what's important to you and your family. Here's the thing, feeling stuck? Guess what? We can help!! Best of luck! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

I have come to realize how important money really is in every day living. Without money there's not much we can do! Very often I hear people say money isn't everything but that's because they don't have any! In all honesty, money is everything! It helps pay for a roof over your head, put food on the table, clothed you and your family. Without it, you can't take care of your basic needs!! Let's not talk about entertainment and vacations because if you don't have money there isn't much of that happening either. So you see, money definitely matters. Which is why I highly encourage all my mommas and parents in general to start teaching your family including children how money works and money management. This country lacks financial education in the school system! How do I know? Well, the average family I sit down with have some notion about money but not enough to make informed decisions. There are so many financial concepts out there that most aren't aware of. I was one!! Although I knew something I didn't know enough otherwise I probably wouldn't have this podcast. It's the lack of knowledge about financial education that I am dedicated on changing. It starts at home and with our children. What are your kids learning about money? How do they view money? These are the questions I want you to ask yourself. I started talking to my children about how money works and saving as well as investing. Are you having these conversations with your kids? If you're not, it's never too late to start. Lets focus on changing the generations to come! This is my commitment to my community because I sure wish someone had taught me. Lets not leave our children's future to chance and start paving the way. Are you with me?? --- Support this podcast: https://anchor.fm/mommymoneymatters/support

Did you know that the average credit card balance in the United States is more than $6,000? Us, as consumers tend to buy things we don't need with money we don't have! To be honest the lack of financial education should be a national emergency! We are creating a society doomed to fail when it comes to money management. I pledge to make a difference in middle income communities. How do we start? In our own financial houses of course! Before we can start making effective money moves we need to take care of the debt incurred by such moves. Paying off debt means paying for the past. Which is purchases already made that are now owed. There are two different methodologies used in most situations. The first one is the Snowball Effect Method which focuses on the entire debt. The second one is the Avalanche Method. This method focuses on the interest. Which one do we use? It really depends on you! What's the objective and what is the end result you are looking for? These questions need to be addressed before moving forward. They both work if and only if, you are disciplined and consistent with following through. It will not work otherwise. How do they work? Take a listen! It is explained pretty simply and very detailed. I have used these methods with my clients and because of it. They are debt free and are now able to make money moves towards their future!! Follow us on social media @mommymoneymatters ! --- Support this podcast: https://anchor.fm/mommymoneymatters/support

I don't know about you, but I sure hadn't set any money rules for most of my adult life. But man do I wish I had. It's never too late which is why I'm sharing these with you. If you want to avoid holes in your financial house then follow along. If this is hitting you precisely when you're needing outside help to repair and patch those holes, call it divine intervention. Regardless, of why you decided to click on this podcast, you were meant to listen to it and possibly share it. Not very many families I sit down have any money rules. Some are barely getting by living paycheck to paycheck. If you want to get out of this hamster wheel then something's gotta give. Changes in your financial house need to take place otherwise you'll be repeating that same year and financial situation over and over. One question I ask my clients when it comes to their finances is this, "if the next 5 years are just like the last 5 years, would you be ok with it?" More often than not, the answer is "No!" They don't want a repeat, they want things to be better than before. Here are some money rules you might want to consider! If you have any questions feel free to reach out on social media @mommymoneymatters . --- Support this podcast: https://anchor.fm/mommymoneymatters/support

There are 3 main enemies to your money! Do you know what those are? Take a wild guess! Here we go! From least (#3) to high (#1) in the level of importance. 1-Procrastination 2-Taxes 3-Inflation. Lets focus on #3, inflation. Inflation simply means that the price of something will always rise over time. In this episode I talk about the significance of inflation through cost of living from the 1970's to today!!( Perfect example gas prices nowadays. But look at real estate too!) It's inevitable!! You can't out earn or out save inflation! Personally speaking, the only way to beat inflation is investing! This way your money is constantly gaining value over time instead of loosing value. If your money isn't outpacing inflation by growing than your secretly going broke? Did you know that?? Bottomline, investing IS important! Make money while you're sleeping! Inflation will always be around, it's how you handle it that matters most. Any thoughts? --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/mommymoneymatters/support

In this episode I'll be going over 8 tips on how you know you're doing good with me. We often times feel that because we have money left after paying our bills every month we are doing good. But the question is, are you really? I thought I was at one point but realized I was missing key points in my life dealing with money that I personally didn't know about. It hit me that this may be the case for most individuals. This episode will serve as a guide to help you figure out if you're missing any key points in your financial house. These tips have helped me plug the leaks in my personal financial house and I know it will help you too! Take a few minutes of your time and find out if you're doing good with money! Are you ready to take the challenge? What's the worst that can happen? Well, worst case you find out you're not where you want to be. But now you know what you need to do or at least consider. Best case, you're doing AMAZING!! So listen up, I promise it'll be well worth it!! Feel free to share this podcast with mommas out there or anybody else for that matter that you feel needs to hear this information. This is all free information to our communities! Sharing is caring!! Feel free to follow me on all social media platforms @mommymoneymatters for additional content. --- Support this podcast: https://anchor.fm/mommymoneymatters/support