Seven Figures with Sandy Waters

Today on the show: There are so many things going through your mind, so many emotions you deal with when you decide to get a divorce. A lot of these feelings, insecurities, fears tend to cloud our judgment and decision making which is the reason why many women make divorce mistakes. Today Kitty Bressington will go over some of the most common mistakes and give you words of wisdom no matter where you are in your relationship. Kitty Bressington, CFP®, CDFA is a founding principal of Linden Financial Consultants, LLC a fee-only, hourly-only financial consulting practice. With more than 20 years of experience, Kitty provides affordable, objective, well-explained financial advice helping clients understand the long-term ramifications of the financial decisions being made, particularly during the course of a separation and/or divorce. Kitty is also founding director of the Foundation for Women's Financial Education, a non-profit dedicated to improving the financial literacy of women in the Greater Rochester area and local sponsor of the Second Saturdays Divorce workshops.  Also on the show today, in our "No Dumb Questions" segment If you have a kid who is about to graduate from High School, CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will explain what a Parents Plus Loan is and why so many experts urge parents to find an alternative way to pay for college.. And in the last 10 min of the show, we'll "Take a Seat at the Kids Table" How to teach kids about investing…even if you're not the best with it yourself. First, we'll ask the kids what they think it means to invest and then we'll bring on our money expert Susan Beacham founder of Money Savvy Generation for her advice. Follow Susan on Facebook Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: AND   Learn more about your ad choices. Visit podcastchoices.com/adchoices

You might already be at the point where you’re just tired. Tired of reinventing yourself. Tired of dealing with and overcoming the curve balls that life throws at you. TV/Radio host, Philanthropist and single mom of 5 Kim Adams is still being forced to improvise adapt overcome. She might have exactly what you need to hear right now. Follow Kim on Facebook Follow Kim on Linkedin Plus in our No Dumb Questions segment. We hear so much concern about inflation, what does that really mean? Especially for your wallet. Economist Mark Schug aka Grandpa Mark is here to break it down for us. And the last 10min of the show we’ll take a Seat at the Kids Table It’s very important to teach kids about budgeting BUT there’s one step that a lot of parents skip over. It actually comes even before you start talking about budgeting. Founder of Money Savvy Generation Susan Beacham is to explain. Follow Susan on Facebook Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: It’s CRAZY how much money companies specifically Pfizer have made off of the COVID vaccine. Pure profit. Morally, how should we feel about this? We’ll ask Jill Schlesinger, she’s the CBS News Business Analyst, host of the Jill on Money show She was on Spezzano and Sandy the radio morning show I cohost and I thought I’d share it here with you. Also on the show today, in our "No Dumb Questions" segment You might be itching to renovate the house, so what IS the difference between a Home Equity Line of Credit and a Home Equity Loan? CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will explain. And in the last 10 min of the show, we’ll "Take a Seat at the Kids Table" When one of your kids comes to you asking for money, what is the right way to help bail them out yet still keeping it fair so the other kids in the family don’t become resentful? Susan Beacham founder of Money Savvy Generation pulls from her decades of working with families. The valuable lesson every parent needs to know Follow Susan on Facebook Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

One time or another in your career you may have found yourself being the corporate "Yes Girl." For whatever reason you just sat there and bit your tongue instead of speaking up. Well, hopefully today will be the turning point. You will find the confidence to STOP being the "Yes Girl" and find your Bold Voice. Kim Boudreau Smith is passionate about being an advocate for women and helping them find their bold voices. She herself lived through navigating the ranks in the corporate world and found herself holding back and not being true to who she was. Kim helps all of us find our bold voice, from how to respond when the boss tells you they can't give you a raise to how to physically sit in a meeting to command respect. Reach out to Kim LinkedIn Instagram Facebook Also on the show today, in our "No Dumb Questions" segment We answer a listener's question about divorce. Actually it's a very common question. If your IRA is in your name do you still need to split it in the divorce? CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will explain what you can keep to yourself and what is considered marital property. And in our "Seat at the Kids Table" segment When your child falls blissfully in love and it's time for the big wedding, WHO pays for it? Is it on you the parent? First, we ask the kids what they think and then Founder of Money Savvy Generation Susan Beacham will give you a simple solution to getting rid of the wedding stress. Follow Susan on Facebook Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: You’ll be surprised how quickly you can start making money food blogging. If the thought of perfection is holding you back, Don't let it! You don’t have to worry about trying to be perfect, you don’t even have to be the best cook. Food Blogging Pro Megan Porta is here to talk you through the important steps you need to take. Food Blogging 101 Follow Megan's Food Blog Pip and Ebby  Follow Megan's podcast and be part of her membership group Eat Blog Talk Plus, in our "No Dumb Questions" segment If you are not happy with how much money you have right now, well you can blame it on 3 things: The endowment effect, Loss aversion and The status quo effect. Economist Mark Schug (aka Grandpa Mark) is here to explain how behavioral economics trips us up every time. Connect with Mark MarkSchug.com And in our "Seat at the Kids Table" segment Influence spending every year is in the billions.. Marketers start directly targeting your kids at age 8months old. You need to step in and get ahead of it. Founder of Money Savvy Generation Susan Beacham is here to tell us how. Follow Susan on Facebook Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show:  Before we talk about ESG investing, we’ll start the show with our “No Dumb Questions” segment. What is the difference between a Bank and a Credit Union? President & CEO at Summit Federal Union Laurie Baker is here to explain. Have you heard the term ESG investing? It stands for Environmental, Social, and Governance. What is it and why should you care? CBS News Business Analyst and Host of the Jill on Money radio and podcast show Jill Schlesinger is here to explain. This is a conversation we had with her on the morning radio show I co-host "Spezzano and Sandy." Since yesterday was Earth Day I thought it would be fitting to share the conversation with you here on the podcast. We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- “When should parents stop paying for the extra things their kids want?” Susan Beacham founder of Money Savvy Generation has the financial cut off age and why it's best to allow our kids to figure out financial struggles on their own. Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show:  Before we talk about Imposter Syndrome, we’ll start the show with our “No Dumb Questions” segment. What questions should you be asking when interviewing for Financial Advisors? There's 3 crucial things you need to make sure you know before you sign up with any advisor and today CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will explain what they are. Imposter Syndrome: “Anxiety or self-doubt that results from persistently undervaluing one’s competence and active role in achieving success, while falsely attributing one's accomplishments to luck or other external forces.” Imposter Syndrome keeps coming up in conversation, especially now when more and more people are changing direction in their careers. So I thought it would be good to revisit an interview we did with Mary Braunschneider a few months ago. What’s the best way to overcome Imposter Syndrome? btw- Congratulations to Mary, Since our last conversation, Mary has been promoted to VP of Sales at Shay Rowbottom Marketing. Ways to connect with Mary: https://careerwebfolio.com/marybraunschneider/ https://www.linkedin.com/in/mary-vivian-braunschneider-4492a06/ mary@maryvivian.com We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- “What does it mean to live beneath your means?” Susan Beacham founder of Money Savvy Generation has the meaningful way to teach kids how to budget and live within their means. Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before we chat with Rosa and learn her simple technique that will help you change your mindset, we'll start the show with our "No Dumb Questions" segment. Is it more important to pay off all of your debt first or invest? It's one of the top Googled money questions and today Erica Cummings CFP at The Harmony Financial Wellness Group at RBC Wealth Management and host of the podcast A Strong Woman for Strong Women has the answer. Follow Erica on LinkedIn Email Erica Everybody talks about Mindset. "Shift your Mindset and you will reach your goals in life." Great! Now what does that mean? How? If you are not happy right now or feeling stuck shifting to a positive Mindset is a lot easier said than done. Rosa Montanaro aka 'Coach Rosa' joins the conversation today. She has had her share of uphill battles throughout her life and yes, she agrees all of her success came as a result of a Mindset reset. Rosa gives us a simple exercise to try. A way to start making the change today. Follow Coach Rosa Facebook Mind Over Platter We end the show like we always do with our "Seat at the Kids Table" segment. Today we asked the kids about taxes "What is tax day? What are taxes? I know I can't be the only parent who outwardly complains about tax day and taxes in general. When we do, what kind of message is it sending to our kids? What is the best way to explain taxes to our kids? Susan Beacham Founder of Money Savvy Generation is here. Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

`Today on the show: Before we chat with Vanessa about why everyone especially women need to be part of the money conversation, we'll start the show with our "No Dumb Questions" segment. Last year 75% of families received a tax refund of about $3,000. Is it better to owe money at the end of the year or get a refund like so many families? Erica Cummings CFP at The Harmony Financial Wellness Group at RBC Wealth Management and host of the podcast A Strong Woman for Strong Women explains which strategy might be best for you. Follow Erica on LinkedIn Email Erica Vanessa Martinez Managing Director and Partner at The Lerner Group at Hightower Advisors joins the show today. We had an open and dare I say fun conversation about money. Talking about how more women need to show up to the money conversations. It's about building wealth not just investments and how to best get on the same financial page with your partner. Vanessa’s primary focus is guiding families through all aspects of their wealth. Vanessa’s passion enables her to dive deep into family dynamics and find actionable solutions for complex problems. By partnering with families, Vanessa is able to build meaningful relationships and help them pass on a legacy. Vanessa is also the co-author of Family Value at Risk, a book that details the details the importance of intentional communication among families, but most importantly between the matriarch and patriarch of the family. We end the show like we always do with our "Seat at the Kids Table" segment. Today we asked the kids "What is a SMART goal? It's ok if you as the adult doesn't know the answer, that's why we invite Susan Beacham Founder of Money Savvy Generation to the kids table. What is a SMART goal and why it's crucial we teach it to our kids. Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

`Today on the show: Before we chat with Denisse about coming away from the pandemic with more clarity and confidence, we'll start the show with our "No Dumb Questions" segment. A lot of people have questions about the new Child Tax Credit that was included in the American Rescue Plan. Professor Emeritus at University of Wisconsin-Milwaukee and Author of Teachers Can Be Financially Fit economist Mark Schug aka Grandpa Mark explains WHO will benefit from it. WHEN you can expect the money and HOW LONG will it last. Click here for the Kiplinger calculator Mark referred to. She is a She-Cession Success Story! Denisse Espalter, like so many other working moms were hit financially hard during the pandemic. Many are calling this recession a SHEcession because of the disproportionate number of women who have been directly impacted. Whether it be due to the fact they work in the industries most impacted or they were "forced" to walk away from their jobs or cut their hours to tend to the family at home. Denisse is a testament to that as she was working for one of the oldest and most recognized department stores Lord & Taylor, as a Regional Marketing and Events manager. Covid hit and in March of 2020 she lost that amazing job. Feeling lost as she was home now, wearing multiple hats as a mother of 3 girls, a teacher at best with kids being homeschooled, a therapist assisting her children with what the new norm was for all of us. Launching a new business and testing positive for Covid and dealing with the crumbling effect. How to overcome the covid crumble! Denisse is the founder of Unboxed Life & Style, a lifestyle brand. She also coaches and inspires people on how to take their life experiences and learn how to evolve. Follow and support Denisse: Instagram Facebook We end the show like we always do with our "Seat at the Kids Table" segment. Today we asked the kids "What is price gouging? Is it ok to raise the price when an item is in high demand?" Susan Beacham Founder of Money Savvy Generation has a great way to explain supply and demand. A powerful budgeting lesson for kids. Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before we chat with sisters Sheila and Maya Dunne and their dad Tom about being named in the Forbes Next 1000 list, we'll start the show with our "No Dumb Questions" segment. The shocking statistic that is the underlying factor which drives all bad financial decisions. CFP Erica Cummings from The Harmony Financial Group at RBC Wealth Management is here to keep you motivated to stay the course and continue to be engaged with your finances. Two Rochester sisters are making headlines! Just barely in their 20s, Sheila and Maya have made it on the Forbes Next 1000 list. They both have developed and launched successful businesses. They are certainly following in their dad's entrepreneurial footsteps. Sheila, Maya and dad Thomas Dunne are on the show. Tom Dunne founder of Stqry Sheila Dunne cofounder of Dunne Goodwin Maya Dunne cofounder of Valet Seller Staying the on the entrepreneurial theme... We end the show like we always do with our "Seat at the Kids Table" segment. Today we asked the kids "How much would you charge to shovel driveways?" Susan Beacham Founder of Money Savvy Generation has valuable advice for parents. How to explain and teach kids about putting a price on their work. Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before we chat with Brooke about bad debt, we'll start the show with our "No Dumb Questions" segment. We want to make sure you have a good understanding of Overdraft Protection. CFP Erica Cummings from The Harmony Financial Group at RBC Wealth Management is here to explain the biggest misunderstandings people have. As a young adult, in her 20s Brooke Tallinger has her financial goals already figured out. She uses the Bad Debt is not an option as a motivator to keep herself (and husband) on track. Brooke shares with us how she manages her personal budget, how she got her husband to buy into her budgeting philosophies and what advice her parents gave her that will help other young adults who are starting their own financial independent lives. We end the show like we always do with our "Seat at the Kids Table" segment. Today we asked the kids "Is it ok to work for free?" Susan Beacham Founder of Money Savvy Generation has valuable advice for parents. How to explain and teach kids about the power of internships. Our Money Victory Shout Out goes to Rosalie Kline!!! Thank you for taking the time to listen and follow the podcast each week. If you need a further explanation about anything on today's show just reach out to me: email Facebook Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before we chat with Joie and Sheila about how to market yourself, we'll start the show with our "No Dumb Questions" segment. Many of our Seven Figure family have reached out with questions about credit cards and how it impacts credit score. One question in particular is the advice that encourages to always have a credit card balance in order to have good credit. We need to clarify this one. CFP Erica Cummings from the The Harmony Financial Wellness Group at RBC Wealth Management is here to explain. Joie Gharrity founder of 113 Branding and Sheila Kennedy founder of The Zebra Ink are here to talk about Marketing! Marketing is not just something for businesses to explore. We should all be building up our own personal brand. We also talk about the pros and cons of working for a company vs working for yourself. And of course like we do with each guest we peer into how they manage their own personal budgets. You can follow and support Joie Gharrity Instagram Facebook Website Sheila Kennedy Instagram Facebook Website We end with our "Seat at the Kids Table" segment. Today we asked the kids "How important should money be?" We'll listen in on their answers and then Susan Beacham founder of Money Savvy Generation will have advice for us parents. You can follow and support Susan Website Facebook Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before we chat with married couple Chris and Audrey, we’ll start the show with our “No Dumb Questions” segment. Professor Emeritus at University of Wisconsin-Milwaukee and Author of Teachers Can Be Financially Fit economist Mark Schug aka Grandpa Mark is here to catch us up on everything money related that happened this month. Of course we start with Bitcoin. Everybody is talking about Bitcoin. So, should you jump in on this craze too? Plus we break down the $1.9 Trillion Stimulus Plan. How much of it is directly linked to COVID and which part of the plan is raising the biggest concern to most economists? And we’ll talk about the ROTH. It’s the perfect time to look into putting some of your money in a ROTH. We’ll explain what it is and why now is the best time to do it. Couple Chris and Audrey Smith are our featured couple. They agreed to let us in on how they run their family budget. Plus how they merged their financial stories when they got married. Discipline is the perfect way to describe them. We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we asked the kids “If you could design a money app what would it be like?” We’ll listen in on their answers and then our money expert Susan Beacham founder of Money Savvy Generation will give parents 3 of her favorite money apps for kids. Fam Zoo Busy kid The mint.org  Today our Money Victory Shout Out goes to Georgia Kimmey! Cheers to Georgia and each one of you who is on your way to being proud to say you are financially confident!   Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime email Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before JoAnne Ryan gives us her sage wisdom, we’ll start the show with our “No Dumb Questions” segment. CBS News Business Analyst, host of the Jill on Money podcast Jill Schlesinger is on the radio morning show (Spezzano & Sandy) every week. Last week, was a really good conversation about what to expect this year come tax time, so I thought I’d share it here with you. If you received unemployment or a stimulus check in 2020, she’ll tell you if it’ll impact your taxes. Plus, a unemployment scam to watch out for. Co-Founder & Chief Community Engagement Officer, Continual Care Solutions JoAnne Ryan is here with sage words of wisdom. How she and her husband make it work with a blended family and the important money lessons she wishes she knew when she was younger. We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we asked the kids “What does it mean to pay yourself first?” We’ll listen in on their answers and then our money expert Susan Beacham founder of Money Savvy Generation will give us parents an activity we can do with the kids to teach them the important lesson of paying yourself first.  Cheers to each one of you who is on your way to being proud to say you are financially confident!   Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime email sandywaters989@gmail.com Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

  Today on the show:  Before we get real and honest about marriage and money, we’ll start the show with our “No Dumb Questions” segment. What happens to a person’s debt when they pass away? Today CFP at the Harmony Financial Group at RBC Wealth Management Erica Cummings will explain.  Dear friends of mine, Steve and Kristy LaTart join the show. If you live here in Rochester NY, you know Steve as Carson from back in the day on the radio morning show I co-host. If you live in Minnesota, you know him as Steve O from the radio morning show. After being laid off due to pandemic downsizing, he and his wife Kristy launched their It Goes Both Ways podcast. A hysterically honest podcast about the highs and lows of marriage and parenting. They are the PERFECT couple to invite on the show and lovingly grill them about their money. Even though throughout the episode we joked about it feeling a little like a therapy session,, talking about money as a couple is so important. We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we asked the kids “What is passive income?” We’ll listen in on their answers and then our money expert Susan Beacham founder of Money Savvy Generation will give parents some tips of how to start the conversation about earning passive income. Cheers to each one of you who is on your way to being proud to say you are financially confident!   Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime email Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show:  Before we talk to our featured guest today, we’ll start the show with our “No Dumb Questions” segment. Today CFP at the Harmony Financial Group at RBC Wealth Management Erica Cummings will give her top 3 favorite money apps Maria Riofrio is here with us today. You’ll love her. She tells it like it is! “Maria’s success as a financial educator is not only in her mastery of the subject matter, but in her genuine care for her students and colleagues. After facing the realities of handling her finances alone for the first time at 47 with the death of her husband, she was moved by the LiSA Initiatives founding mission of helping women achieve financial security and peace of mind. She has helped expand the curriculum and the LiSA initiative’s mission to reach all Americans has impacted so many communities across the country. Maria’s powerful story of finding her financial footing as a widow and an immigrant helps her connect with her students. In the coming year, she will continue to focus on inspiring minority women to achieve financial security and peace of mind.” Click here to read Maria’s full bio Email Maria Office number 770-870-1475 We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we asked the kids “When is a good time to talk about money with someone you are dating?” We’ll listen in on their answers and then our money expert Susan Beacham founder of Money Savvy Generation will give parents advice. Our Money Victory Shout Out goes to Jennifer Donato! Cheers to each one of you who is on your way to being proud to say you are financially confident!   Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime email sandywaters989@gmail.com Instagram https://www.instagram.com/sandywaters98/ LinkedIn https://www.linkedin.com/in/sandy-waters-4a1a4745/ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before we talk about what success looks like, Professor Emeritus at University of Wisconsin-Milwaukee and Author of Teachers Can Be Financially Fit… Economist Mark Schug aka Grandpa Mark is here for our “No Dumb Questions” segment. He’s going to catch us up on what’s being debated in the 3rd Stimulus plan. What does success look like? Emmy award winning producer, author, speaker and Host of Success in Your City Brandon T Adams joins the conversation. He’s fantastic, you will love him. We chat about what success IS, how to nurture business relationships that will ultimately help you achieve career success and we talk about his relationship with his beautiful wife Sam. How they manage their family budget. If you want to follow and support Brandon: Instagram Youtube Facebook "Road to Success" We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we asked the kids “What do you think about playing the lottery to win the big jackpot?” We’ll listen in on their answers and then our money expert Susan Beacham founder of Money Savvy Generation will give parents a fun activity to do with the kids the next time they buy a lottery ticket. Our Money Victory Shout Out goes to Alyssa Rose! Cheers to each one of you who is on your way to being proud to say you are financially confident!   Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime email Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

 Today on the show:   Before learn some great frugal tips from our Frugal Friends Jen and Jill we’ll start the show with our “No Dumb Questions” segment. CFP at the Harmony Financial Group at RBC Wealth Management Erica Cummings will give us a quick explanation of a ROTH IRA. Jen Smith and Jill Sirianni from the Frugal Friends podcast are here! Jen is a personal finance writer and owner of Modern Frugality Media.  Jill is a social worker and natural born frugalista. Both of them paid off their respective debt during a time when they were earning an extremely modest income. (So you can’t use that as an excuse anymore ;) ) Jen and her husband, Travis were able to pay off $78,000 in debt in less than 2 years! She’s explain how they did it. Jill said the art of thrifting and learning how to DIY helped her and her husband get ahead in their finances. We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we asked the kids “What is money? Would you want to live in a world where money did not exist?” We’ll listen in on their answers and then our money expert Susan Beacham founder of Money Savvy Generation will give parents a fun activity to do with the kids that will teach them the value of money. Our Money Victory Shout Out goes to Margi Taber! Cheers to each one of you who is on your way to being proud to say you are financially confident!   Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime email sandywaters989@gmail.com Instagram LinkedIn Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before we find out how to invest in real estate with little to no time and money commitment, we’ll start the show with our “No Dumb Questions” segment. When switching jobs, what do you do with your previous employers retirement plan? CFP at the Harmony Financial Group at RBC Wealth Management Erica Cummings is here to talk us through the 4 options. Our guest today Monick Halm founder of Real Estate Investor Goddesses said it perfectly “Financial freedom is when you have enough passive income streams that equals or exceeds your expenses.” Monick’s mission is to help 1 million women find financial freedom through real estate investing. Today we go over the different types of real estate investing. Some require little to no time or money.  We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we asked the kids “Do you pick a job because it makes you happy or because it makes you money?" We’ll listen in on their answers and then our money expert Susan Beacham founder of Money Savvy Generation will give all of us parents some words of advice and wisdom. Our Money Victory Shout Out goes to Mike Gilfilian! Cheers to each one of you who is on your way to being proud to say you are financially confident!   Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show:  Before we find out how to “Ditch Busy,” we’ll start the show with a very popular question, “How can I catch up on saving for retirement?” A lot of people say they’re behind on saving for retirement so today in our “No Dumb Questions” segment, CFP at the Harmony Financial Group at RBC Wealth Management Erica Cummings will give you the 3 easiest ways to catch up. If you are constantly busy and sometimes feeling a bit overwhelmed, you are listening to the perfect episode! Kate Erickson host of the “Ditch Busy” podcast is here to help you make overwhelmed a thing of the past. She teaches us how to best prioritize our to do list and set boundaries. But before you do anything you have to do this one task to get the ball rolling. Click here to connect and follow Kate Erickson or on her Instagram We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we asked the kids what do they REALLY want from their parents? What do they value most? We’ll listen in on their answers and then our money expert Susan Beacham founder of Money Savvy Generation will give all of us parents some words of advice and wisdom. Cheers to each one of you who is on your way to being proud to say you are a financially confident woman!   And our Money Victory shout out goes to Maria Diehl! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before we find out how Stephanie paid off her debt, we’ll start the show with our “No Dumb Questions” segment. Professor Emeritus at University of Wisconsin-Milwaukee and Author of Teachers Can Be Financially Fit, Economist Mark Schug or as we lovingly call him Grandpa Mark is here today. We’ll reflect on the pandemic. What money lessons it’s taught us. Plus, he gives us his take on Janet Yellen who is close to becoming the first woman to serve as treasury secretary. Sometimes it’s just a few bad money decisions that cause your finances to get out of control. That’s what happened to Stephanie Schifano. She and her husband are highly educated, conservative spenders and actually good with budgeting. But, it was just a few unfortunate circumstances which were out of their control and a few bad money decisions that got them into an overwhelming amount of debt. Stephanie is passionate about sharing her story of HOW she paid off $32,000 in 14 months. Hoping it will help others to be inspired to do the same. Stephanie’s financial advisor Julie Hears also joins in on the conversation. She gives us the biggest mistakes most people make, the important money rules we should follow and what we need to ask and look out for when selecting a financial advisor. We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Are the holidays the ONE time of the year you spoil your kids with almost everything they want? Hey it’s been a tough year, a lot of parents are tempted to ‘wow’ the kids this year especially. Our money expert Susan Beacham founder of Money Savvy Generation has advice for parents. This is going to be the last show of 2020. I truly appreciate each one of you who listen to the show, who spread the word about the show to friends. It means the world to me. Thank you for connecting with me on social media. I love it! Anything you need, I’m here for ya  LinkedIn Facebook Instagram TikTok Have a very happy, safe and healthy holiday. Chat with you in the new year! Cheers to each one of you who is on your way to being proud to say you are a financially confident woman!   Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on Seven Figures: Smart Money Strategies for Women: How much money should you save for retirement? A lot of people have reached out to us asking this question so today in our No Dumb Questions segment we’ll give you the benchmarks. Our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management joins this part of the show. Plus, Long time radio host in Seattle Washington, Mason is here to talk about what it was like for her to lose her job because of downsizing due to Covid and how TikTok is opening up new doors for her. She, like so many others, think now is the perfect time to use the Tik Tok platform to get exposure for your ‘brand.’ And we’ll take “A Seat at the Kids Table” today, we had parents ask their kids “Should kids get paid for getting good grades or doing a good job at something?” We’ll hear how the kids respond and find out what our expert Susan Beacham founder of Money Savvy Generation  thinks about paying for performance. And our Money Victory shout out goes to Aimee Ruth! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before we figure out if developing an online course may be a way you can make some extra money, we’ll start the show with our “No Dumb Questions” segment. A lot of talented and hardworking people have been let go from their jobs as a result of downsizing because of COVID. I want to dedicate some time today, to make sure that if (god forbid) that happens to you, you’ll know what to expect and won’t be caught off guard. Our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management is here to explain what you can expect if you are laid off. What are you really good at? What comes natural to you? What would you say is your area of expertise? Maybe you can make some extra money by sharing what you know through an online course. Yes, it’s your course, you’re the expert. You see more and more people offering coaching advice or offering online course instruction. A lot of these people have said they’re making good money by helping others in this way. So why not you? The Go- to -Gal Jaclyn Mellone is here to explain exactly what you need to do to get started and how much money you can make from it. It might be something to think about. (this is part 2 of our interview with Jaclyn from last week) We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” A study out of University of Arizona, found the more kids watch TV, the more advertising they are exposed to. The more advertising they see, the more likely they are to ask for something when you go to the store. Which researchers say, may contribute to parents' overall stress levels, well beyond a single shopping trip. So what advice does our expert Susan Beacham founder of Money Savvy Generation have for parents to combat the marketing that is directly targeting our kids? Today our Money Victory shout out goes to Sierra Stiller-Saiger! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime! sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Before we learn how to manifest what we want, we’ll start the show with our “No Dumb Questions” segment. Why is the Chair of the Federal Reserve Board worried for women? Professor Emeritus at University of Wisconsin-Milwaukee and Author of Teachers Can Be Financially Fit, Economist Mark Schug aka Grandpa Mark is here to explain. Click here to email Mark Click here to pick up Mark’s book Click here to learn more about Mark Manifesting what you want in life. Putting together a Vision Board. You may be rolling your eyes to all of that, I admit, part of me is so sick of hearing that too. BUT if you do it right, it actually DOES open up opportunities. Recently featured in Forbes, Jaclyn Mellone The “Go-To-Gal” explains how she manifested her Forbes article to happen. (This is part 1 of our interview with Jaclyn. Next week we'll explore the opportunity to make money by hosting online courses) We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- “Which is better, to make or buy a gift for someone this holiday?” Susan Beacham founder of Money Savvy Generation is here with advice for parents. She says the holidays are a perfect time to teach kids about budgets. Plus, Susan has some great no-cost gift ideas too. And our Money Victory shout out goes to Juanita Leone!  Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before we talk get into the best way to approach your boss about work-life balance, we’ll start the show with our “No Dumb Questions” segment. One topic that we often get questions about from listeners is budgeting. What is the best way to budget? Is the 50/30/20 rule a good one to follow and is there a good app we can download that will help us stay on track? Our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will have the answers to all of these. “At work you’re supposed to act like you don’t have kids. At home you’re supposed to act like you don’t work” You probably WANT to take advantage of all the opportunities that are on the table right now, but for some parents this is a real challenge. There’s workers survivors guilt. There’s not being able to 100% focus when the kids are home. Just to name a few of the struggles. Kathleen Pringle is here. As an Executive Career Strategist and Coach, she is our direct line to figuring out what our boss is really thinking. -The best way to ask your boss for a little leeway -The best way to still ask for the raise you have coming to you -The 3 most important things you should do to keep your sanity and take advantage of the opportunities that are out there. Yes we cover a lot! Click here to reach out to Kathleen directly We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- “How do you know when someone is rich?” Susan Beacham founder of Money Savvy Generation has advice for parents. The best way to help your kids figure out what is enough. And our Money Victory shout out goes to Reena Perri! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident w Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show:  Before we talk about Imposter Syndrome, we’ll start the show with our “No Dumb Questions” segment. The housing marketing is still making headlines and breaking records. If you are looking to purchase a house there’s a good chance you’ll have to pay over the asking price to win the bid. So, what’s the best rule of thumb to figure out how much you can REALLY afford? CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will explain. At any point in your career did you feel like a fraud? Maybe you’re feeling it now as you navigate through a shift in your career because of COVID. Imposter Syndrome: “Anxiety or self-doubt that results from persistently undervaluing one’s competence and active role in achieving success, while falsely attributing one's accomplishments to luck or other external forces.” It’s a real thing, and we all have our moments of feeling this way. What’s the best way to overcome Imposter Syndrome? Dynamic Sales Leader & Business Development Strategist, Mindset & Success Coach Mary Braunschneider is here to help us. Ways to connect with Mary: https://careerwebfolio.com/marybraunschneider/ https://www.linkedin.com/in/mary-vivian-braunschneider-4492a06/ mary@maryvivian.com We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- “When you start to make money, will you give some of it away?” Some parents were pretty surprised by how their kids responded.  BUT it’s a completely natural response. Susan Beacham founder of Money Savvy Generation has advice for parents. The best way to teach your kids about giving. And our Money Victory shout out goes to Amy Nicole! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before we chat with our featured guest today, we start the show with our “No Dumb Questions” segment. A listener reached out asking about CDs (certificate of deposit). CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management will explain what it is and if it's right for you. Author of A Recipe for Bad Lemons, Ingredients for Success from Life’s Sour Moments Angie Hundley is here. Angie opens up about what it was like to grow up in the foster care system. Statistically there's only a 5% success rate for foster children. She beat the odds and is now a mother of four and owner of a multi-million dollar business. Angie will definitely put things into perspective and hopefully inspire you. We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- “What are Taxes?” We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. The fun way to teach your kids about taxes. And our Money Victory shout out goes to Jennifer Roberts! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before we talk about the $1,500 life-changing offer, we’ll start the show with our “No Dumb Questions” segment. It’s the last Friday of the month so that means Economist, Professor Emeritus at University Wisconsin-Milwaukee Mark Shug (aka Grandpa Mark) joins the show. Viewing it through the lens of an economist, he’ll give us an unbiased break-down of the most important news stories that impact you and your wallet. A lot of people have strong opinions about who will win the election and what will happen to the economy if one party wins over the other. So, which Presidential candidate IS better for the economy? And what about the Stimulus package? Are we going to see more money coming our way or did the political bickering kill the plan? Pick up Mark’s book “Teacher’s Can Be Financially Fit” email Mark directly “In my early 20s, my dad offered me $1,500 with a catch. It annoyed me at the time, but it also taught me the most important savings lesson of my life” Freelance writer Alexis Rhiannon joins the show to talk about her dad’s life-changing offer and how all of us can learn a valuable lesson from it. click here to read the full article Alexis writes for Business Insider, Allure, Apartment Therapy   Follow her on twitter We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- “What is Debt?” We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. The best way to teach your kids about debt. And our Money Victory shout out goes to Vera Plotkin! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime. Love getting your emails Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: Before we talk about being a 'go to' expert and starting an online business, we’ll start the show talking about paying for college. This is a pretty big topic of discussion for a lot of families. As parents sometimes we overextend ourselves to help better our children’s lives. Which just makes us good and loving parents. BUT when it comes to paying for college, this might be where we draw the line. Why do experts suggest steering far away from Parents Plus Loans? We’ll explain in our “No Dumb Questions” segment with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management  Take a moment to think about your passions? What are you an expert at? You CAN turn it into an online business. Debbie Knusdsen, Online Marketing Strategist will give you her advice. How she successfully transitioned from being on stage as an award winning Opera singer to being on the big online stage.   We end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- “What is a loan?” We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. The best way to teach your kids about borrowing money and taking out a loan. And our Money Victory shout out goes to Sierra Stiller-Saiger! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show:  Before we chat about your little white lie, we’ll start the show talking about open enrollment. It’s right around the corner so I want to make sure you have a good understanding of what your options are. Many of you will have the choice to sign up for a High Deductible plan and the HSA that goes along with it. We’ll explain what they are in our “No Dumb Questions” segment with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management  Then, we’ll talk about the little white lie a lot of us hide behind. Caren Glasser will join the conversation. Caren is a Live stream host of 2 popular web TV shows, Once Upon A Storytime! and Caren Glasser LIVE!  We talk about her little white lie and how her career got a boost after she came clean about it. She also gives us advice about video conferencing and the fine line between charging for your expertise and giving it away for free. We'll end the show like we always do, we’ll take “A Seat at the Kid’s Table.” Today, we had parents ask their kids- “What is an example of a smart purchase and what is something they regret buying?” We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. The best way to teach your kids smart SPENDING habits. And our Money Victory shout out goes to Rachael Knight! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: One of the most googled money topics is Public Service Loan Forgiveness. We’ll explain what it is and who qualifies for it in our “No Dumb Questions” segment with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management  Plus, As we push through 2020 a lot of people are facing tremendous adversity. Today, we want to help you to find happiness and harmony in a very noisy world. International bestselling author, speaker, entrepreneur, Win the Day podcast host James Whittaker joins the show. James has interviewed more than 200 of the world’s leading athletes, entrepreneurs, and business leaders to unlock their secrets to success. The timing could not be more perfect for his book “Andrew Carnegie’s Mental Dynamite.” The book explores what many say is the blueprint to solving societies most troubling problems. We end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- “What is retirement and at what age can you retire?” We’ll hear what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. The benefits to talking about retirement with your kids. Our Money Victory shout out this week goes to Melissa Diane! Thank you for listening to the show. I truly hope it is helping you.. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: You hear everyone talking about the low interest rates. How do run the numbers to see if refinancing your mortgage right now makes sense for YOU? We’ll explain in our “No Dumb Questions” segment with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management  Plus… Your dreams, your goals will become a reality ONLY if you have room for them in your 'Love Bucket.' So, how big is your 'Love bucket?' Founder of 113 Branding Digital Media Studio, Live Stream Host, Author, and International Speaker Joie Gharrity will join the show to explain. We end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- “How much do you think a house costs?” We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. Is the best way to teach your kids the value of a dollar talking openly about how much your house is worth? Our Money Victory shout out goes to Llyod Ruffle! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show... A lot of our listeners have told us they want to know more about investing, so today in our segment with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management we’ll explain the difference between Active and Passive investing“No Dumb Questions” Plus… How to 'Boss Up' Your Own Life and stop working scared Norma Holland joins the show. What compelled her to walk away from a 23 year career in TV to take on the new unfamiliar challenge of digital marketing? She’ll explain it all today. Learn more about Norma here: https://www.digitalhyve.com/about-us/meet-the-hyve/ https://www.facebook.com/Norma-Holland-131908096836427/ https://www.linkedin.com/in/norma-holland-2486234/ We end the show today like we always do, we’ll take Today we had parents ask their kids- What is compound interest?We’ll see what the kids say and what advice our money expert Susan Beacham founder of “A Seat at the Kid’s Table.”Money Savvy Generation has for parents. The best way to teach kids the important lesson of compounding. And our Money Victory shout out goes to Brenda Langford! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show... A lot of our listeners have told us they want to know more about investing, so today in our “No Dumb Questions” segment with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management  we’ll explain the difference between a Mutual Fund and an ETF To reach out to Erica: https://us.rbcwealthmanagement.com/harmonyfinancialwellnessgroup/?utm_source=GMB&utm_medium=Yext Plus… What do you need to know after a Divorce? Author, Publisher, Confidence Coach Sheila Kennedy is here to share the 3 biggest financial lessons she learned when she became a single mom. To reach out to Sheila: http://www.thezebraink.com/ We end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- What is a checking and savings account? We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. As Susan mentions “We live in a world where people make money off our overdrafts” so it’s imperative as parents to be proactive and teach our kids how to manage their money. To reach out to Susan: http://www.moneysavvy.com/ .And our Money Victory shout out goes to Michelle Vanderpool Tomaszewski! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! See omnystudio.com/policies/listener for privacy information. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the show: We hear the headlines about Negative Interest Rates…What does that mean? Is it a real possibility? We’ll explain in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management Plus… Becoming a millionaire on a teacher’s salary. Professor Emeritus at the University Wisconsin-Milwaukee and coauthor of Teachers Can be Financially Fit Mark Schug will explain how you can be rich while earning a modest income We end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- What is investing? We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. What is the best way to teach your kids about investing even when you may not be good at it yourself. And our Money Victory shout out goes to Dave Blue Fields! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! See omnystudio.com/policies/listener for privacy information.

Today on the show... Term or Whole life insurance? Which one is better for your family? We’ll explain in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management Plus, What’s the psychology behind spending vs saving. Are some people just "wired" to be savers? Continuing the work of her late father Dr Thomas J Stanley, Dr Sarah Fallaw, co-author of The Next Millionaire Next Door and founder/president of DataPoints joins the show Here's the personality assessment test we referred to:  www.datapoints.com/personality We end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- What is a budget? We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. Our Money Victory shout out goes to Lauren Marie! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! See omnystudio.com/policies/listener for privacy information.

Today on the show... We break down the difference between a Home Equity Line of Credit and a Home Equity Loan in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management Plus, The biggest surprises that catch most people off guard when buying a new house. Rachael Wexler from Keller Williams and Rich Short from Advantage Federal Credit Union are here We end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask  their kids-How do you decide which college to go to? We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. Here's the link to Susan's article that we referred to: http://susanbeacham.com/the-money-talk-pays-off-heres-proof/#commentform Today our Money Victory shout out goes to Laurie Berry DiBerardinis! Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman! See omnystudio.com/policies/listener for privacy information.

Today on the show... Your credit score is your mathematical DNA…How is it calculated? How often do you need it and how does it impact your life? We’ll break it down in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management Plus, how to put together the perfect pitch that will open up opportunities for you and increase your earning power. Author, Publisher, Confidence Coach Sheila Kennedy  is here to explain the key to turning a ‘No’ into a ‘Yes!’ Sheila also gives us her 3 biggest takeaways from interviewing immensely successful entrepreneurs in her book Choices to Changes.  We end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask their kids- How does a credit card work? We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. This week's Money Victory Shout Out goes to Christine Elizabeth Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com Cheers to each one of you who is on your way to being proud to say you are a financially confident woman!

Today on the show: Interest rate vs APR what’s the difference? We’ll break it down in with our CFP Erica Cummings from “No Dumb Questions”The Harmony Financial Wellness Group at RBC Wealth Management The pandemic has taught us a lot about ourselves. Most importantly, it’s taught us a lot about our finances. We are paying more attention to where we spend our money, and how much we’re spending. We have a new appreciation for our streams of income that’s for sure! Our guest today, Jully Alma Taveras founder of the Investing Latina says this is the time we should all be very familiar with our “Survival Number.” She’ll explain. Jully also opens up about her past debt. How shopping was her vice when she was in her 20s. She has paid off that debt and is now using her new found passion for saving and investing to help others take control of their finances. In just a short amount of time her Youtube channel and social media platforms have attracted an impressive following. We end the show today like we always do, we’ll take Today we had parents ask  their kids- We’ll see what the kids say and what advice our money expert Susan Beacham founder of “A Seat at the Kid’s Table.”When you want something really bad but don’t have the money for it, what do you do?Money Savvy Generation has for parents. Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com

Today on the show: Can you easily explain what an IRA is? If you can’t, you’re not alone. We’ll break it down in “No Dumb Questions” with our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management Our guest today has the most uplifting and positive way about her. Journalist, Speaker and Widow Warrior Kimberly Holmes-Iverson will share her story. How she found the strength to continue to heal emotionally as a young widow and the valuable financial lessons that she was forced to learn. Lessons she wants every woman to know. We end the show today like we always do, we’ll take “A Seat at the Kid’s Table.” Today we had parents ask  their kids- What are you going to do with your very first paycheck? We’ll see what the kids say and what advice our money expert Susan Beacham founder of Money Savvy Generation has for parents. Thank you for listening to the show. I truly hope it is helping you. Feel free to reach out anytime sandywaters989@gmail.com   Cheers to each one of you who is on your way to being proud to say you are a financially confident woman!

Today on the show: We start with "No Dumb Questions" Our CFP Erica Cummings from The Harmony Financial Wellness Group at RBC Weatlh Management explains the right way to calculate your Net Worth and why it's so important to know your number. Our guest interview today is Salena Ozzimo, owner of Goods Galore. She is a fearless woman! Being a stay-at-home mom like her husband hope for didn't feel right to her. Salena knew she wanted to make her own money. So after exploring a few money making opportunities she (and her hubby) started their own business that grabbed the attention of A&E's Extreme Unboxing. There are plenty ways to make money, sometimes you just have to take the risks to find it. We finish the show with "A Seat at the Kid's Table" When it's time for your kid to get their very first car, who should pay for it? We'll see what the kids say and then we'll check in with our money expert Susan Beachman founder of Money Savvy Generation to get her take on it all. Cheers to each and every one of you who is proud to say you're on your way to being a financially confident woman! If you have a money question you want us to cover on the show feel free to reach out sandywaters989@gmail.com

One thing that may be holding you back from feeling confident about your money is fear… and a little bit of embarrassment to speak up and admit that you don’t fully understand what's going on. This is YOUR money. You deserve to know what’s going on with it. That’s why we start the show with “No dumb questions.” Our CFP Erica Cummings from The Harmony Financial Group at RBC Wealth Management joins this part of the show. Today we explain why so many people are loving the ROTH 401K Top 3 Things to Know When Starting a Business Mona Ockenden founder of Mona Moon Naturals is our guest. Mona Ockenden, a wife and mother of 2 created a side business in early 2019 inspired by her sister’s breast cancer diagnosis.  It became her full time gig in late 2019.   In its first year of operation, it shipped to over 26 US states, Canada, Germany and Japan and in now sold in 7 local boutiques.  Mona Moon Naturals’ lip balm is currently included in the Clean Beauty Kit subscription box that highlights all clean natural products created by woman owned businesses in the US.  Talking about money with the kids can be tough sometimes so we end the show with "A Seat at The Kids Table" Susan Beacham the founder of Money Savvy Generation joins this part of the show. Today we talk about allowances. We'll find out what the kids say about getting an allowance and then Susan will give us her take on it. This podcast is for YOU. If there are any questions you have or even money success stories you'd like to share, feel free to reach out anytime sandywaters989@gmail.com

Jill Schlesinger who is the CBS News Business Analyst and host of the Jill on Money podcast is on the radio morning show every Wednesday. It's such a great money conversation I thought it'd be worth sharing here with you. Our schedules have been turned upside down, we're not sure what day it is anymore. So... a freindly reminder the July tax deadline is coming up fast. Here's what you should know about filing, paying online (if you are one of the unfortunate people who have to pay) and contributing to your IRAs. Speaking of IRAs perfect time for a refresher course. Quick explination of Traditional and Roth IRAs.

We can all agree that the pandemic has taught us a lot. A lot about ourselves and about our personal financial situation and goals. What ARE the MOST important money takeaways from all of this? CFP Erica Cummings from the Harmony Financial Wellness Group at RBC Wealth Managment was on the radio morning show this morning. (During the pandemic we've been posting shorter, more frequent episodes to make sure you stay on top of your finances. Answering your questions and hopefully easing some of your money stress.)

Let's be honest, it's no real shocker when experts say having a cash reserve should be one of the top priorities for everyone. BUT, even as much as we hear people telling us that, not everyone activly and intentionally saves cash on the side for that personal financial setback. Let's have the pandemic be a "wake up call" for all of us. Ok, so how much money are we talking?  CBS News Business Analyst and host of Jill on Money Jill Schlesinger breaks it down today. (during the pandemic we are sharing conversations from the radio morning show "Spezzano and Sandy")

Our goal during the pandemic is to make sure you are on top of what's going on financially and how it directly impacts you. Today on the radio morning show one of our "go to" CFPs Erica Cummings from The Harmony Financial Wellness Group at RBC Wealth Management was on to catch us up on the status of another stimulus bill "HEROES ACT" and if another check is coming your way. Plus, you may have heard rumblings of a "Explore America Tax Credit." According to Forbes and some other outlets, Americans can use this credit (possibly $4,000) for domestic travel, including visits to restaurants. Is that a REAL possibility? And because I'm a "list" girl and love reminders, we'll run through some important dates for you.

Every Wednesday CBS News Analyst is on the radio morning show with us "Spezzano and Sandy." She's fantastic so I want to make sure I share our conversation with you just in case you missed it. (If you don't live in Rochester, you can always listen on the RADIO.COM app search 98.9 The Buzz) Today, we chat about consumer spending, specifically the retail sales numbers. Are the numbers a good sign for the economy?  Any questions YOU have feel free to reach out sandy@rochesterbuzz.com Hope these episodes are helping you :)

The money we're spending at the grocery store is pretty alarming, especially seeing the prices on meat products spike these past few months.  It's something we've been dealing with the past few months and unfortunatley we'll have to continue paying more for certain items for quite some time. But are there tips to save money?  Of course there are! CFP Erica Cummings is on the show again to give you some easy ways to save money on groceries. Plus, we talk summer school.  This is the perfect opportunity to continue the homeschooling (because you've been enjoying it so much I'm sure) teaching your kids valuable money lessons. We'll give you an easy lesson and way to teach the kids. We truly hope these spidoes are helping you.  If you have any questions just reach out sandy@rochesterbuzz.com Plus, for those of you who just paid off a bill, we'd love to have you on the air with us.  We'll help you celebrate!

CBS News Business Analyst Jill Schlesinger is on the radio morning show "Spezzano and Sandy" every Wednesday. Today we asked Jill the question a lot of you are wondering about, will there be another stimulus check? The economic data shows we’re actually doing better than what experts anticipated. Adding 2.5 million jobs in May, that was more than they thought it would be. So does this "good news" mean the idea of another check is off the table?

Divorce and Real Estate- What you need to know with Rachel Wexler Real estate due to divorce is Rachel's “niche." "Having gone through a very rough divorce myself, years ago, and before I was a Realtor, I learned the hard way how difficult it was and how unlike any other type of real estate it is." So, what makes it so unique? Rachel candidly talks about picking up the pieces after her divorce. PLus, she gives us tips on selling and buying a house not only after a divorce but also during a pandemic. If you want to reach out to Rachel Wexler: https://www.homesbyrachelwexler.com 943-8811