One Million Apples

There is a lot of uncertainty happening around us and our daily lives have been disrupted. The Coronavirus has shown us the reality of incredibly pervasive and intrusive limitations. What we're seeing in the financial markets is about the same. Let's talk about it.  Want to chat with someone who wants to support you? Reach out to me at Breanna@wealthofconfidence.com 

Ready to nerd out about money? Yes? Good! In today’s episode, I’m joined by the lovely Whitney Hansen of the @MoneyNerds podcast to talk about--you guessed it--nerdy money stuff! Actually, we got to talk a lot about #sidehustles for teachers--because there are so many ways to earn extra money these days, and some that may even surprise you!  Be one of one million! Find, Join, Like. www.facebook.com/onemillionapples www.onemillionapples.com Text APPLE to 66866 for exclusive offers and show recaps! Want a fee-only financial planner in your corner? I'd love to be that person! Find me at breanna@wealthofconfidence.com

How can getting organized help you with your finances? According to today’s guest, Bri Van Lierop of @ Neat Method, organization allows you to keep track of what you already have so you don’t overspend. And not only that - there are tons of other benefits to getting organized! Tune in to today’s episode to find out more! Be one of one million! Find, Join, Like. www.facebook.com/onemillionapples www.onemillionapples.com Text APPLE to 66866 for exclusive offers and show recaps!Need a fee-only financial planner? I'm here to help! Contact, me, Breanna, at breanna@wealthofconfidence.com

You might have noticed that last week, there was no show... (sigh)... BUT! We've been helping people who have reached out for help and that to me is so worth the focus. It's super important that we keep pushing out content, so the show is going to an every other week release. If there are topics you'd love to hear, OR, if you want to be on the show, OR, you have a question you want addressed on the show, visit/reach out to: www.speakpipe.com/onemillionapples (leave a voicemail) www.onemillionapples.com (check out our content) hello@onemillionapples.com (contact me)

Let's get back to basics with taxes and make sure we're correctly handling payroll tax withholdings. We will also go over the big changes for this process in 2020. Have a listen and continue thriving on your financial independence journey. Be one of one million! Find, Join, Like. www.facebook.com/onemillionapples www.onemillionapples.com Text APPLE to 66866 for exclusive offers and show recaps!Need a fee-only financial planner? I'm here to help! Contact, me, Breanna, at breanna@wealthofconfidence.com

English teacher Rachel Scott of wrachelwrites.com knows the importance of being frugal and saving for the future. However, she also knows how important it is to live in the now and have a positive attitude towards spending money on things you enjoy. Tune in to hear her story and her “unfrugal” philosophy!  Be one of one million! Find, Join, Like. www.facebook.com/onemillionapples www.onemillionapples.com Text APPLE to 66866 for exclusive offers and show recaps!Need a fee-only financial planner? I'm here to help! Contact, me, Breanna, at breanna@wealthofconfidence.com

You hear a lot about credit scores, but what is it actually made up of, and how do you go about improving it? Tune in to today’s episode, where I answer some of your FAQs about credit scores and break down how it works! Be one of one million! Find, Join, Like. www.facebook.com/onemillionapples www.onemillionapples.com Text APPLE to 66866 for exclusive offers and show recaps!Need a fee-only financial planner? I'm here to help! Contact, me, Breanna, at breanna@wealthofconfidence.com

Want to know how you can become a millionaire educator? It’s totally possible! Just ask today’s guest, Gerry Born, The Millionaire Educator, who gained Financial Independence and built a net worth of over a million dollars!   Be one of one million! Find, Join, Like. OMA Facebook OMA Website Text APPLE to 66866 for exclusive offers and show recaps! Need a fee-only financial planner? I'm here to help! Contact, me, Breanna, at breanna@wealthofconfidence.com 

I took this week off to focus on family time, but I have a quick message for our most loyal listeners.    Be one of one million! Find, Join, Like. OMA Facebook OMA Website Text APPLE to 66866 for exclusive offers and show recaps! Need a fee-only financial planner? I'm here to help! Contact, me, Breanna, at breanna@wealthofconfidence.com 

Are your finances in order for the new year? Even if they aren’t, I’ve got you covered! In today’s solo show, I’m going through a checklist to help you wrap up your 2019 finances, from emergency funds to taxes to goal setting. Let’s hit the ground running in 2020!P.S. Big shoutout to Sonoma State University! For those of you listening, I have a special message for you in this episode!    Be one of one million! Find, Join, Like. OMA Facebook OMA Website Text APPLE to 66866 for exclusive offers and show recaps! Need a fee-only financial planner? I'm here to help! Contact, me, Breanna, at breanna@wealthofconfidence.com 

When it comes to a career in education, there are all sorts of unique possibilities that some of us may not be aware of! For math teacher Rob Phelan, his background plus the opportunities he took advantage of contributed to the direction of his career. Tune in to hear his story!    Be one of one million! Find, Join, Like. OMA Facebook OMA Website Text APPLE to 66866 for exclusive offers and show recaps! Need a fee-only financial planner? I'm here to help! Contact, me, Breanna, at breanna@wealthofconfidence.com   

What can an advisor do for teachers at different stages in their career? Last week, I joined Scott Dauenhauer, CFP and host Dan Otter, PhD on the podcast Teach and Retire Rich, where we got to talk about how financial planners can help teachers.  This is part 2.    Be one of one million! Find, Join, Like. OMA Facebook OMA Website Text APPLE to 66866 for exclusive offers and show recaps! Need a fee-only financial planner? I'm here to help! Contact, me, Breanna, at breanna@wealthofconfidence.com 

What does the policy side of finances look like, and how can you use it to your advantage? Join me tomorrow as I sit down with Barbara Roper, Director of Investor Protection for the Consumer Federation of America, to talk about resources, finance issues, and the untapped power of the consumer (you!) Be one of one million! Find, Join, Like. OMA Facebook OMA Website Text APPLE to 66866 for exclusive offers and show recaps!

What can an advisor do for teachers at different stages in their career? Last week, I joined Scott Dauenhauer, CFP and host Dan Otter, Ph.D. on the podcast, Teach and Retire Rich, where we got to talk about how financial planners can help new teachers, mid-career teachers, and teachers nearing retirement. The conversation was so awesome, I had to share it with you here!   Be one of one million! Find, Join, Like. OMA Facebook OMA Website Text APPLE to 66866 for exclusive offers and show recaps!

Robert Farrington of The College Investor knows that student loans can be a real headache, especially if you’re pursuing Public Student Loan Forgiveness… fortunately, he’s here to help us navigate what can seem like crazy terrain. Join us as we talk about all things student loans and find out how you can actually (for real!) qualify for PSLF!   Be one of one million! Find, Join, Like. OMA Facebook OMA Website Text APPLE to 66866 for exclusive offers and show recaps!

When you think of “Black Friday,” what comes to mind? Long lines, early hours, people pushing and shoving? All things of the past if you know how to find the best deals throughout the month! Fortunately, I’ve got the inside scoop.  Tomorrow, the awesome Christine Potts of Bargain Buddies returns to the podcast to share her know-how on getting the best deals during “Black November.”  With the holidays just around the corner, you don’t want to miss out! OMA Instagram OMA Facebook

As teachers, we usually know what subjects or grade levels we like to teach. However, every now and then, you try teaching something new and come to find that you like it way more than you expected! Such was the case with today’s guest, EconTeach. She started out teaching social studies, but when the need for an economics teacher opened up at her school, she stepped in… and found that she really enjoyed it!  And that’s not all. It also motivated her to gain control of her own finances. Now, she blogs about her journey at MyEconomicsEducation.com and continues to teach personal finance to high schoolers, equipping them with the financial literacy she wished she had at their age.   Be one of one million! Find, Join, Like, Subscribe! OMA Facebook OMA Website Text APPLE to 66866 to stay in the loop!

I have a very fun episode for you today with special guest, Savvy History, musician, teacher, and financial blogger who’s bringing financial literacy to creatives!  Whether you teach music, history, or math, chances are you have other interests or hobbies on the side. As we pursue financial independence in our lives, we can also achieve independence in other areas, including the freedom to be creative! Be one of one million! Find, Join, Like, Subscribe! OMA Facebook OMA Website Text APPLE to 66866 to stay in the loop!

Believe it or not, there’s a lot of overlap between financial planning for teachers and physicians. Sure, our career paths may be different, but we both face the challenge of sifting through financial products and packages directed at our professions. And as today’s guest Ryan Inman of Physician Wealth Services and host of the Financial Residency podcast points out, we’re all human!

In this solo show, I’m taking a deep dive into a Wall Street Journal article that resonates with our mission here at One Million Apples. It’s called “New Your State Officials Open Probe on 403(b) Sale to Teachers,” and it looks at the unfair and deceptive practices of insurance companies marketing 403(b) retirement income products to teachers. I’ll be unpacking this article’s information and showing you what it means, why it matters, and most all, what you can do to protect yourself. Join the email list by texting "Apple" to 66866!

Cancer patients are 2.65 times more likely to go bankrupt than people without cancer.”Carrie Madrid of @The CARE Project, Inc. knows that those with cancer are at an extreme disadvantage. Not only are they battling their health, but they are also hit with the stress of paying their healthcare or utility bills. Listen as Carrie talks about how her incredible non-profit fills in the support needs of those battling cancer.   Be one of one million! Find, Join, Like. OMA Facebook OMA Website OMA FB Community

Pouring themselves into work, Educator FI and his wife realized that they were making money but spending it just as fast. Now, they live a lifestyle that most educators could only dream of. Listen and be inspired on how Educator FI took hold of his family's finances and made a complete pivot from "debt disaster" to "whoa, we made it." Be one of one million! Find, Join, Like. OMA Facebook OMA Website OMA FB Community  

Saving for the kiddos' college is what I'd call a no brainer. But when, what and how should you save for it? The basics tend to be the hardest place for families to break the barrier of investing... it doesn't have to be. Here are a few insights in this solo (slash) guest episode with CollegeBacker!

Last week I had an amazing opportunity to interview some of the best financial advisors and money nerds in the country and ask them what is one thing that people can implement today that will change their financial lives. The answers are amazing and for the most part, so incredibly easy to implement TODAY. Are you ready to hear these actionable steps? Tune in! Be one of one million! Find, Join, Like. OMA Facebook  OMA Website  OMA FB Community

Here’s the thing I’ve learned over the years. The numbers don’t lie, once created a budget will work, it’s our behaviors and mindset that get in the way sometimes. Join in as Sarah Fallaw, author of The Next Millionaire Next Door and founder of DataPoints.com, dives in and gives us some invaluable information on the process of building that millionaire mindset. Be one of one million! Find, Join, Like. OMA Facebook  OMA Website  OMA FB Community

Regardless of what you’ve been led to believe, you are in no way too young or not wealthy enough to create an estate plan. Yeah, you read that right. Estate planning is for everybody,  though it may be done a little bit differently for each person depending on their ages. Join in as Dennis Sandoval, certified law attorney and accredited estate planner, delves into the specifics of estate planning and why you should create one now if you don’t already have one. Be one of one million! Find, Join, Like. OMA Facebook  OMA Website  OMA FB Community

Flexible spending accounts are commonly looked over or flat out not mentioned as a benefit that you’re offered but the truth is, they can greatly benefit you on your financial journey. Tune in to this solo episode where I delve into the ins and outs of flexible spending accounts and dependent care flexible spending accounts. Trust me, you’re going to want to hear this. Be one of one million! Find, Join, Like. OMA Facebook  OMA Website  OMA FB Community

When starting out as a new teacher, you more than likely have debt following you. A common question is whether you should pay off debt or save money and how to do so on a teachers salary. Check out this solo episode where I dive in and give you steps to take that ensure you’re starting your career off on a path that leads to financial success. Be one of one million! Find, Join, Like. OMA Facebook  OMA Website  OMA FB Community

Financial literacy and effective financial education for students is incredibly important. Unfortunately, it’s not yet a priority for all schools, but YOU can take matters into your own hands with the resources made available to you through Jump$tart Coalition. Join in as Laura Levine, President and CEO of Jump$tart Coalition joins us to talk about their part in making financial education a priority for all schools. Be one of one million! Find, Join, Like. OMA Facebook  OMA Website  OMA FB Community

As a teacher you’ve probably spent time looking at all the different side hustles available to you. Bethany McCamish of hisandherfi.com tried many different side hustles and eventually discovered one that she was so passionate about that she left her teaching career. Join in as she talks with us about side hustles, how to effectively communicate about finances with your spouse and her ongoing journey to financial independence. Be one of one million! Find, Join, Like. OMA Facebook  OMA Website  OMA FB Community

Teachers have different pay structures than other professions which can make it hard to create a budget that makes sense for you. In this solo episode I lay out some valuable tips on how to create the perfect budget no matter your pay structure as well as some common mistakes people make when creating their budget. Be one of one million! Find, Join, Like. OMA Facebook  OMA Website  OMA FB Community

Traveling the world and teaching don’t always go hand in hand when you look at the financial aspect of it. Not wanting to give up on either dream, Kim Young soon realized that with a little hard work and a lot of persistence she could have both! Listen in as Kim gives us the scoop as well as some great tips on how you can travel the world for free too!   Be one of one million! Find, Join, Like. OMA Facebook  OMA Website  OMA FB Community

When teaching K-12 you may find yourself wanting a change. For some people that change is small such as moving from kindergarten to second grade. For others, they realize their passion lies in teaching at a collegiate level. Emily Ely, a professor at Mary Baldwin University, found that her passion was in research and teaching adults even if that meant a pay cut. Listen as she shares her story on making the transition from teaching K-12 to becoming a professor at a University.   Be one of one million! Find, Join, Like. OMA Facebook  OMA Website  OMA FB Community

The idea of growing a family is scary for a lot of people, no matter the career. You’ll ask yourself a million and one questions. What is it going to cost? What is my time going to be like? What about logistics? Will I be able to do my job? Will I be able to take care of my baby? Listen as Christine Potts explains how spending intentionally makes raising 6 kids a financial breeze. Intention is key when it comes to your money. With creativity, organization, and intention-- all things are possible.   Be one of one million! Find, Join, Like. OMA Facebook  OMA Website  OMA FB Community

Did you know that you’re more in control of your financial life than you realize? You really are. What it comes down to is clarity. How clear are you with where you want to go? How crystal are you on where you should be? The answers lie within your desire to really learn about where you stand. This show, with yours truly, helps you work through that. And, really, it’s more important for you to get this down before doing anything else… even before creating a budget! (Yeah, I said it).   Be one of one million! Find, Join, Like. OMA Facebook  OMA Website  OMA FB Community   

When I first met John Lanza, Creator and Chief Mammal of The Money Mammals, I realized how cool his platform was. Having kids myself, I know how important it is to teach kids about money management, especially when allowance is involved. And, let’s face it, most of you have kids yourselves (or obviously have a classroom full of kids), so what John has to say may be right down your alley. Please check out the show, but be sure to also subscribe to the show.  

You can call her a money-generating super star or wonder woman of grant writing, either way, Marisol Stokes has a heart to start or participate in programs that help her kids enjoy the luxuries of learning. Not only is she just amazing, but she happens to be one of my daughter's former teachers. I knew firsthand she'd be a perfect person to talk about what it takes to find money in the most unexpected places.

You've been to your fair share of employee benefit fairs! Yeah, you know the various row of booths with experts that serve to educate you about your options for retirement, saving, and everything else having to do with YOUR money. Well, here's the thing. I went to a fair recently and I have a few insights to share. Some of what I'm about to tell you isn't going to be shared with you anywhere else, but it's super important for you to be aware!

A self-proclaimed "typical-thirty-something teacher," Monica J. believes wholeheartedly in helping kids. She loves what she does, especially when her actions lead to making a difference within a collective. She and her union had gone on strike to encourage her district to take care of the teachers at her school. Afterall, she believes that teachers have a right to be treated fairly.

Amy Irvine, Host of the Wine and Dime podcast, and I do a crossover episode, where we combine wine (La Croix for me) and a good chat about our passion for educating our educators. There are so many instances of financial education that we want teachers to know, so we share a bit about what we know. 

Today, we have a show with millionaire Frogdancer Jones - a single mom and teacher who went from woe to whoo hoo with her finances. With a dedicated mindset and a persistent personal push to meet her money goals, we hear how incredible Frogdancer Jones turns her life into an experience from her dreams. 

Debt isn’t a death sentence. Suicide, depression, anxiety, are human emotions that we don’t have to hide behind. Today, I have Dear Debt’s Creator, Melanie Lockhart on the show to discuss her personal story of depression as well as suicide in her family. But, let’s get real here. Her experience isn’t just something that happened to her. People you know, people you love, and hey, even you might be experiencing your own emotional crisis due to money. Sometimes the best thing to do is acknowledge where you are, know where there is help, and reach out.

If you've been offered free pension plans and yet weren't able to easily validate who was offering the service, be leary. While taking a self-care day, I realized that the mysteriousness of one financial planner turned out to be completely untrue and downright misleading. Claims you find online can sometimes be a lure to sell you financial products you may not need. Be sure to approach situations like these with caution.

Please disregard the audio quality! My next guest recorded in a “tunnel” in Mexico where we encountered issues with the internet connection, as you can imagine. But this is such a special interview nonetheless. Jo Britton Reish is a retired teacher who also happens to be my mother in law. She and I discuss her activities after teaching, including family, traveling, and sailing!

The US education system employs 4-5 million teachers teaching K-12. While these same teachers are taking care of their students, finances probably fall to the wayside. What’s worse, those who try to teach teachers about money over pizza and cookies know that to be true and, unfortunately, take advantage. This podcast is about reaching 1 million teachers who strive to live free from that dreaded money-stress. Are you one?