The Money Fit Show

The Money Fit Show Season 2: Episode #33 Resilience and Reinvention, Richard Riemann of Imagination Videobooks Like so many successful people, Richard Riemann went through difficult periods of his career and his finances. He reinvented his career multiple times, achieving success often just to experience a company shutdown, agism, and even the harsh consequences of government deregulation. But each time, he took inventory of his strengths and his motivators to find or create new opportunities for success. Now, after founding a successful nonprofit, he says it’s time to give back and support others on their journeys. Podcast Outline From introvert to storyteller Creating accessible versions of children’s illustrated books, including Winnie the Pooh Reinventing himself after a long career in radio journalism and being overqualified for available positions Moving into a successful sales career before the employer went out of business The problem with spending like you're employed when you are not Starting over again after a job loss and divorce Starting over yet again in the closet narrating audiobooks before starting to produce audiobooks Growing up in a home where the family lived paycheck to paycheck and experienced power getting shut off The role of resilience and persistence in financial security Avoiding bankruptcy through debt negotiations but having to pay taxes on debt that was written off Setting up a repayment plan with the IRS Helping others reinvent themselves as well, including a friend who became a photographer for rescue dogs Rediscovering what motivates you and what you love to do and building a business around it Helping others with joint ventures Being careful of overspending money on unnecessary programs instead to seek out mentors and coaches Links referred to in the episode, and how to connect with the guest, Richard Riemann: Imagination Videobooks Home Imagination Storybooks on Facebook Imagination Storybooks on Instagram Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #32 27 Months to Debt-freedom, Sammie Ellard-King of Up the Gains Although his experiences with student loans and credit card debt were in the UK, the principles Sammie Ellard-King discusses that helped him get out of debt in 27 months and become a resource for his family, friends, and beyond apply to anyone in debt in any country. Effects on a child when parents have a bad relationship with money Moving out on your own when you’re 17 Running a business while in college but spending every penny How student loan repayment works in the UK The problems with not seeing your student loan balance regularly Trouble with credit card debt to fund lifestyle Keeping consumer debt secret from friends and family Figuring out how much you need to retire based on your retirement age and life expectancy Taking a class to learn to get out of debt Paying off consumer debt in 27 months Listening to podcasts and reading books on financial freedom for self-education Sharing financial advice with family Not letting financial mistakes get you down The problem with personal finance books and blogs that talk down to you Pay yourself first (saving and investing) before paying your bills Links referred to in the episode, and how to connect with the guest, Sammie Ellard-King: Up the Gains Homepage Instagram @UpTheGainsMoney Twitter @UpTheGainsMoney LinkedIn @Up-the-Gains Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #031 Finding Experience in Adversity, Nicki Conradt-Eberlin of Unleashed Leadership Podcast guest, Nicki Conradt-Eberlin, had to become self-sufficient while just 16 and still in high school. Instead of given into a believe that she was fated to fail, she worked through jobs, paid bills usually handled by adults, and even saved up thousands of dollars to purchase her first vehicle. Looking back now, she’s grateful for all her experiences. And she’s used her experience, curiosity for learning, and drive to become a life coach to help others set and realize their own goals. Becoming self-sufficient in high school because of alcoholism in the family Working her first job in an in-school credit union branch Saving up money to purchase her first car at 16 ($3k-$5k) while paying for groceries, insurance, phone, and other bills Using her passion for horseback riding to stay motivated financially Moving on to a full-time position with credit union after high school while attending community college before earning two bachelor’s degrees Using a low-limit credit card during and after college Challenges after graduation Analyzing student loan debt after college and how much it starts to add up over time Learning about financial products online but also learning from mentors and company materials Realizing that she loved training and onboarding, which led to setting out as a life coach Letting go of the scarcity mentality to grow her business and embracing the abundance mentality Identifying different life goals for each client Being grateful for all experiences of her life Reframing views of challenges and difficult times The importance of consistently checking in with your finances (where your money is going and how you are spending it) Links referred to in the episode, and how to connect with the guest, Nicki Conradt-Eberlin: Schedule a Time with Nicki Unleashed Leadership Facebook @UnleashedLeadership Instagram @UnleashedLeadership Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #30 Couples, Money, and Working Together, Dr. Ray and Jean Kadkhodaian of Couples Synergy Dr. Ray & Jean Kadkhodaian are relationship experts and cofounders of their successful counseling center. After working with thousands of couples, they created a unique approach to coach couples to have amazing relationships, called Couples Synergy. They cohost the podcast, Couples Synergy: Real Couples, Real Stories… Real Relationships. As a married couple, they believe that they cannot teach it unless they live it. They help couples create the relationship of their dreams, with the partner they fell in love with! Working together in previous jobs and now in counseling settings What money meant to them when they were young, including power and control The marshmallow experiment and how trust plays a role in the notion of delayed gratification Couples fight more about sex and money than any other topic How they had to create their own approach to money as a couple Allowing a partner who enjoys spending money to pay for things Allowing a partner who prefers to manage money to work on the budget The relationship between responsibility and resentment The freedom of living only on cash even if forced to do so due to bad or no credit Settling debts with creditors Remembering the most important things when finances get stressful Being a young, single Mom, joining the military, and going to college How a log in the wilderness can bring greater joy than a scratched dining room table Disconnecting from your parents’ view of money and trusting in your spouse or partner Accepting the reality of life rather than pretending money solves our most important challenges Bouncing checks, paying fees, and stepping away for a trip to Mexico Learning lessons rather than regrets Making decisions quickly but changing mind slowly The power of a faith and belief system Not making decisions from a place of fear Money is symbolic, so you need to learn to detach from those meanings Blending of finances to create an “us” in relationships Links referred to in the episode, and how to connect with the guests, Dr. Ray and Jean Kadkhodaian: Couples Synergy Home Couples Synergy Podcast Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #29 Hiding Money from Yourself, Wendy Fedan of Create a Way Design & Publishing Wendy Fedan is a full-time freelance illustrator with multiple sources of income related to her dreams. She launched her own company in 2021 designed around publishing her and other people’s books called Create-a-Way Design & Publishing. Her family has been debt free for nearly a decade now, and Wendy is a wife and mother of two teenagers, living in Amherst, Ohio. The perspective on credit card debt as a fact of life when Wendy was a young adult The importance of delayed gratification Financing wants with student loans while in college The journey into debt involved credit cards, student loans, and possibly furniture debt Don’t go shopping for a home when you’re 7-8 months pregnant Feeling like student loan debt would never go away, even with monthly payments Altering their lifestyle to deal with credit card payments Freedom is the main work associated with paying off debt Being able to finally save after paying off debt Having multiple checking and savings accounts helps put savings funds out of sight and out of mind Changing your mindset and how you think about money to get out and stay out of debt Believing that money was the root of all evil, and how being afraid of money leads to financial problems Taking financial classes together as a couple to help get on the same path The budgeting challenges of irregular income associated with freelancing The challenge of going from two steady incomes to one Setting up own publishing company as a self-publishing author and illustrator Getting out of debt opens up opportunities to pursue more wants and creative paths Links referred to in the episode, and how to connect with the guest, Wendy Fedan: Create a Way Publishing.com Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #28 From Government Assistance to Millionaire, Tiffany Harris of Kustom Kreationz Wholesale Tiffany Harris is a mother of three: two girls, one boy, plus one fur baby. She’s a wife and a profound businesswoman. She started Kustom Kreationz Wholesale (KKW) because she was getting married and was having issues with people making the customized items she wanted. So, she decided to learn how to create them herself. Once she figured out how to make those items, Tiffany learned about sublimation and fell in love. She calls herself the Sublimation Diva. Tiffany grew up in a poor neighborhood in Philadelphia and has overcome extreme odds to become a huge success in her field. She teaches other entrepreneurs how to start their own businesses, how to navigate credit for business, and how to be unstoppable in the pursuit of creating a career. Sublimation is a printing process to make decorative apparel Growing up without entrepreneurial role models Working as a teacher until she had a stroke in the teachers' lounge Starting work at 14 years of age Having the confidence to get past any obstacle Earning five college degrees Planning to run her own hotel and restaurant Earning a nursing degree and realizing she didn’t enjoy the profession Getting an MBA and a Master's in Human Resources before getting a teaching degree Continuing to work a side business even after the stroke, using just one hand for all her typing Identifying what she wanted to do and how much it would cost and then figuring out how to earn the money The difference between her first visit to Disney and her more recent visits Messing up her credit at age 17 when getting credit cards at college Learning about credit and credit worthiness Focusing her debt repayment efforts on the most recent accounts Needing focus and patience to rebuild credit Starting her business when she was getting married because she couldn’t find a business that offered what she wanted for the right price Rather than reinventing the wheel, she learned to fix the shaky wheel Writing a book so others can understand you can rise above trials and tribulations (depression, suicidal thoughts, poverty, public assistance, violence, etc.) Building an academy to help business owners build their business credit “If at first you don’t succeed, let’s just go off and try again” Links referred to in the episode, and how to connect with the guest, Tiffany Harris: Kustom Kreationz Wholesale Website The Makings of Me: My Journey to 7 Figures from My Living Room Kustom Kreationz on Facebook Kustom Kreations on Instagram Kustom Kreations on TikTok Kustom Kreationz on YouTube Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS

The Money Fit Show Season 2: Episode #27 Look Your Money in the Face, Kelsey Knutson Kelsey Knutson is a small business coach and podcast host based in the Pacific Northwest. She has a bachelor's degree in Entrepreneurship, is debt free, and has learned many money lessons along the way. She believes our relationship with money dictates the financial choices we make in business and life. And she’s on a mission to help people reframe how they think about money and implement sustainable systems to help them achieve financial (and life) goals. Inheriting different aspects of her relationship with money from her parents Learning about money through entrepreneurship versus being told about money Going to college without having conversations about how to pay for it Having up to four jobs at the same time in college Exchanging time for money The embarrassment of overdrafting her bank account The scarcity mindset Side hustles in college led to majoring in Entrepreneurship Dealing with imposter system Having an aha moment during the third round of job interviews Getting full-time consulting job through her university Quitting on a whim to go to beauty school and get into debt for the first time The difference between classes at University and Trade Schools Apprenticing under professionals Saving tips to accelerate debt repayment and become debt free within three years Starting business debt free Staring challenges in the face and then setting up processes to deal with them How your energy attracts others when you love what you do Here aha moment of balancing work and personal life came after fainting on the job Starting a business with a vacation already on the books as a way of forcing herself to stay within her work-life balance The profit first approach How having a safety net (emergency savings) allowed her to shift from salon owner to business coach, especially during the COVID-19 shutdown Starting a business out of passion and accidentally becoming an entrepreneur Finding a way to fund the bills, whether through business ownership or side hustles Starting her own podcast as another tool to achieve her life purpose Giving yourself grace in your personal finance choices Looking your financial challenges in the face rather than ignoring them Links referred to in the episode, and how to connect with the guest, Kelly Knutson: When I Grow Up Podcast KelseyMarieKnutson.com Kelsey on Instagram Kelsey on Facebook Profit First by Mike Michalowicz Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #26 Make Your NOW Fabulous, Scott Harris Author of Leap Forward Scott Harris is a well-known skydiver, veteran, businessman, and motivational speaker. Scott’s interactive keynote presentations and workshops make him popular with his audience. He uses his personal journey to create an exceptional storytelling experience for his audience. He utilizes the skills he has learned from his multifaced life experience to help entrepreneurs, managers, leaders, and young people face their fears and find a clear path forward with confidence and joy. Parachuting into Elizabeth Taylor’s wedding to broadcast images from the blacked-out event Joining the US Army at 17 years old at the tail end of the Vietnam War Returning to college after leaving military service involved facing the challenges he had previously found difficult Being an avid reader Moving from merchant marine to engineering in Southern California Facing the challenge of having his car’s engine blow up when he was already struggling financially The phone call that may have saved his life Putting yourself in a position to have good things happen to you when you need them His “life-affirming” experience with the Universe Being more concerned about doing your best and helping people than being concerned about money Attributing success to a can-do attitude despite the challenges faced Supporting others by helping others to embrace their own challenges Rather than focusing on the end goal, focus on enjoying the journey Looking at every obstacle and challenge as an opportunity to become and be better Defining yourself not by your history or even your future, but by the forward movement of your present Don’t just work for a paycheck Conquering the moment while planning for the future Finding joy and reward within yourself rather than looking for it externally Links referred to in the episode, and how to connect with the guest, Scott Harris: ScottKHarris.com Leap Forward on Amazon Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #25 Diversifying Income and Skills, Alvin Cowan of Simpatico Media Inc Alvin Cowan is a veteran actor, writer, and producer from Austin, Texas, who has worked with legends like Clint Eastwood, James Caan, Bradley Cooper, and Bruce Willis. Alvin has a passion for sports, and his football prowess led him to become a record-setting quarterback at Yale, where he was inducted onto the All-Era Team. He then briefly played professional football with both the NFL and AFL. After his athletic career, he moved to LA, where he landed a breakout recurring role in ABC’s “Back In The Game” followed quickly by a supporting role in Clint Eastwood’s “American Sniper.” He recently appeared on Season 2 of HBO’s critically-acclaimed series, “Westworld,” and had a recurring role in the Emmy-nominated show, “This Is Us.” He will next be seen in the highly-anticipated indie, “International Falls,” alongside Rachael Harris and Rob Huebel and guest-starring in the final season of the AMC hit, “Better Call Saul.” The unplanned move from football to the acting and entertainment industry Working in Eastern Europe working on country-oriented infomercials, gaining experience on the production side of media Avoiding the idea of creating an exit plan from football created a singular focus but left him without a plan for money post-career The startling financial lessons of moving to LA and having parental support for just three months Going into debt to pay lifestyle bills and spending two years digging out of that hole Stopped subscription renewals, cut back on social and entertainment, and lived in some less-than-comfortable housing arrangements Finding stable income in football coaching Diversifying income (particularly with rental properties) to avoid relying on the periodic income of creative endeavors Diversifying skills by adding writing and eventually producing to his acting portfolio Encouragement and support from mother Adding the belief in ownership to the depression-era focus on saving as a way to build financial stability and security Links referred to in the episode, and how to connect with the guest, Alvin Cowan: Alvin Cowan on Twitter SimpaticoMedia.xyz Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #24 Parents, Financial Lessons, and Sports Stories, Amy Siegfried of Last Night’s Game After seeing how the ability to talk sports gave her the upper hand as a woman in business, Amy Siegfried, a third-generation entrepreneur, created Last Night’s Game to give her friends the same advantage. Last Night’s Game empowers its readers and listeners to join the sports conversation, even if they don’t know the first thing about sports. The value of a teacher’s influence Influence of her entrepreneurial father and wealth manager mother When parents never use credit cards, it can be difficult to learn about them growing up Learning the best of both work worlds from each parent during summer work Reasons for going back to school to get an MBA after having a journalism degree Going away to college and learning to live independently Managing your own finances and an allowance at college Overdraw a bank account in college with an $8 balance The benefit of using an authorized user card while in college Getting into some troubles with a credit card after college Relying on her mother’s wisdom but getting out of debt on her own The difficulty of asking parents for help as a young adult Shifting the perspective away from decent money with a job to a long-term career Her mother’s gift of a binder of financial knowledge Hearing lessons from someone who is not your parent Resources for handling day-to-day financial decisions Owning property/assets and the black hole of credit card debt Switching to paying for things in cash and understanding how much you were spending Asking yourself “Is this important?” when considering a purchase as a curb to instant gratification Teaching children about money through cash Why she decided to start Last Night’s Game Starting a business between Thanksgiving and Christmas Rufus the Wimbledon Hawk Starting a business on a shoestring Business decisions for an entrepreneur are also personal finance decisions The allure of returning to the corporate world, a steady paycheck, and days off Reviewing your reoccurring charges and canceling email subscriptions Do one thing every day that scares you Asking the question, “How did you fail today?” as a way of learning and improving Links referred to in the episode, and how to connect with the guest, Amy Siegfried: Last Night’s Game on Instagram Last Night’s Game Home Page Sports Curious Podcast Splitwise App Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #23 Careers, Money, Relationships, and Recessions, Tammy Trenta of Family Financial As founder and CEO of Family Financial, Tammy Trenta empowers families and business owners to keep more of what they earn, preserving and growing their wealth. Using her decades of experience, she takes a holistic approach to financial management to help her clients achieve their financial goals. In addition to relentlessly advocating for her clients, she is also a strong proponent of mandating financial literacy curriculum in high schools and colleges across America. Discovering yourself after high school Losing college funding to her parents’ divorce was a gift in hindsight Deciding between law school and business school Learning to manage her own finances while working in the finance sector The questions she thought were the right questions when you get married How marriage and divorce made her a better advisor Aligning financial goals with your partner Having a shared bills account and separate spending accounts can help a marriage or partners Going through an IRS audit post-divorce and the dangers of ignoring IRS request CPAs and Tax attorneys Emotions and finances The fear we experience with money, investing, and recessions When the stock market is down, think of stocks as being on sale Tips for preventing credit card debt Links referred to in the episode, and how to connect with the guest, Tammy Trenta: Tammy on LinkedIn Family Financial Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #22 Being Honest about Money, Aja Evans of Aja Evans Counseling Aja Evans is a board-certified therapist specializing in financial therapy. Aja’s expertise sits at the intersection of mental health and all things “money,” including finances, income, career, and wealth. She is a woman on a mission to get people engaged in living their best lives while attuning to their thoughts, feelings, and behaviors around money. Enjoying seeing how clients make connections to how their history informs their current decisions Formulating our money ideas by age 7 Feeling confident enough as a young person to make purchases with a cashier Getting a grocery store job as a teenager and working through college Moving to the city and trying to make it rain with no money The Easter dinner conversation that changed her life Becoming a consumer of personal finance knowledge The importance of mental wellness and how it impacts our financial behaviors The impact of money on freedom, feelings of self-worth, and other emotions A few ways a couple may struggle with money because of how they value it or how they handle it So much about being a couple is about how you communicate The insecurity of not knowing where to get the information we’re lacking Resources she read and paid attention to once she started her personal finance journey in earnest Experimenting with budgets The importance of being honest with yourself about your money Giving yourself credit with the first, early step to personal financial stability Links referred to in the episode, and how to connect with the guest, Aja Evans: Aja Evans Counseling Aja on Instagram Find a Financial Therapist Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #21 Money Mindsets, Alissa Locke of Money Mentor Group Alissa Locke’s career in the insurance and financial services industries gave her knowledge about money, but it was her own financial journey – going from being a broke single mother with $60,000 of debt to being able to comfortably retire in her early 50s – that compelled her to become a financial coach. Alissa felt called to help people understand their relationship with money, improve their money habits and gain confidence around their finances. The Money Mentor Group provides individual financial coaching, group coaching, courses, and workshops. The trauma of poor personal finance decisions Growing up with parents who are good with their own money does not guarantee the child will Feelings of deprivation can lead to overspending Having $60,000 of debt as a recently divorced, single mother Finding motivation as a single mother to create a better mindset around and relationship with money Finding resources at the local library about banking, real estate, personal finance, investing, and the stock market Changing the money mindset involves finding those who are on a similar financial journey as a support system Being open and transparent with friends allows them to make similar changes Even though you may be in debt, you need to accept where you are financially while understanding that this is not where you’ll always be The danger of the phrase, “I deserve…” Money messages we learned growing up formulate our money mindset in adulthood Parenting money lessons Alissa tried to implement with her own daughter Ideas for how to be open about money with a child Teaching children the make decisions with money Budgeting as a form of torture Tracking the variable expenses each month and using separate, non-bill-paying accounts for them Planning for periodic expenses Links referred to in the episode, and how to connect with the guest, Alissa Locke: Money Mentor Group Alissa on Facebook Alissa on Instagram Your Money Mama on Instagram Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #20 $2M in 60 Easy Recipes, Gordon Stein of CashflowCookbook.com Gordon Stein is an international keynote speaker, blogger, personal finance expert, and author of Cashflow Cookbook - $2 Million of Financial Freedom in 60 Easy Recipes. He delivers transformational talks that help people crush their number one stress – their finances. Going from the executive team to being unemployed How a $13 car wash receipt changed his way of thinking about money Researching little changes that would say $25 a month or more with minimal effort or sacrifice formed the basis for his new book Using running and physical exercise to help himself focus 60 stories or vignettes form the basis of the book with practical ideas (“If I wouldn’t do it, it’s not in the book.”) Example of getting medications much more cheaply by not paying full price at the local pharmacy, from $107+/month to just $7/month (saving $100/month adds up to $17,300 over 10 years, then invested for 40 years = $262,000 at retirement) Look at saving like it is gamification. Savor the savings Why paying off debt makes more sense than saving or investing Importance of tracking your wealth monthly to change your mindset from The power of dividends At every level of income and for every lifestyle, there are opportunities to reprioritize your spending The example of a lifelong Vermont janitor whose estate was worth $8M Using savings from small purchases to pay down debt or grow wealth Making paradigm shifts in how we approach our spending Links referred to in the episode, and how to connect with the guest, Gordon Stein: Cashflow Cookbook Website Cashflow Cookbook on Amazon Gordon on Instagram Gordon on Facebook Gordon on Twitter Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #19 Obstacles, Opportunities, and Small Victories, Tyler Foley of Total Buy In Sean Tyler Foley is an accomplished film and stage performer and has been acting in film and television since he was 6 years old. He has appeared in productions including Freddy Vs Jason, Carrie, the musical Ragtime, and one of our family’s favorites, Door to Door. Tyler is passionate about helping others confidently take the stage and impact an audience with their stories. He is currently the Managing Director of Total Buy In and author of the #1 best-selling book The Power to Speak Naked. Tyler’s entry into the world of stage and performance Losing a father at six years old and using acting to process emotions Excelling in school while acting professionally How theatre affects the way Tyler runs his business now The power of receiving a wallet as a gift with $20 Collecting stamps and trading cards The medical crisis that prevented his graduation from his arts school Withdrawing from the high school musical Determination to leave hometown to seek success in Vancouver, BC The blessing of not having a definitive diagnosis The power of mentors and personal development Surviving the challenges of a job dependent on travel when COVID hit because of the lessons learned from 2015 difficulties Experiencing unemployment and maternity leave simultaneously just after moving into your dream home Receiving a $17 check after the sale of their dream home Pairing down housing expectations and luxury expenses even more Risk, inflation, and running your own business vs going through layoffs Moving to self-employment through a partnership first Breaking out as an author after self-publishing Tracking your net worth and your assets Celebrating small victories Links referred to in the episode, and how to connect with the guest, Tyler Foley: SeanTylerFoley.com Total Buy In The Power to Speak Naked book Virtual Facebook Group Endless Stages Erin Skye Kelly’s Get the Hell out of Debt Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #18 Honest Moments and Failing Faster, Beate Chelette, Author of The Women’s Code Despite enduring multiple personal and business disasters that led her to start and restart her personal finance journey, Beate Chelette never gave up. She’s a firm believer and a solid example of self-determination, being a first-generation immigrant to the US. For no other reason, make sure you listen to this episode to learn which three questions you need to ask yourself in a moment of complete honesty. Accumulating debt throughout a decade, including a riot, an earthquake, floods, fires, 9/11, and lawsuits Losing her business and income multiple times Borrowing money to pay interest on borrowed money Starting a business because she felt otherwise unemployable Your successes and failures are your own, not the fault or the result of a system Having an honest moment with yourself to determine if life is happening to you, life is happening for you, or you’re making like happen Clarifying your mindset is at the root of success The moment in nether Bavaria in front of a Baroque church that seems to define her life Surrendering control over every aspect of life (let God/let go) The White House letter that answered her plea and helped her restructure her debt The reason behind the writing of her book Putting in the work to succeed requires you to take risks and get out of your comfort zone Leaving home before 17 because of the challenges of a parent’s mental illness Worrying about bills just twice a month It doesn’t matter where you are or what the future looks like now, you need to trust this is not your destination Imagine a light switch in every room in which you find yourself in life Use failure as a strategy, fail faster, and think of failures as the stop signs of life Links referred to in the episode, and how to connect with the guest, Beate Chelette: BeateChelette.com Beate on Instagram Beate on Facebook Beate on Linkedin Beate on Twitter Business Growth Architect Podcast The Women’s Code book Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #17 Money Is Energy, Michael de Haan of Quantum Leap Global Michael de Haan has built his business at Quantum Leap Global to address the self-sabotaging beliefs and mindsets he grew up with and carried within him throughout his young adulthood and even throughout much of his first marriage. Join Todd and Michael as they discuss how to undo and remake your financial beliefs at any age. Incorporating our financial life into our whole life Michael’s relationship with money and its emotional side was highly influenced by his experience with scarcity and a self-sabotaging myth that he was unworthy of success The problems created by couples leading financially parallel lives Feeling worthy of financial satisfaction and success The influence on children of parents fighting about money or using money as a condition for love Financially sleepwalking through life, living our parents’ lives rather than our own by design The importance of partners being financially aligned from early on Taking the time to be intentional as a couple about money and envisioning your future How you subconsciously get rid of any amount of money if you aren’t comfortable even with small amounts How even the wealthy can see themselves as at risk financially and don’t live financially free Beliefs create your thoughts and your thoughts create your reality The difference between focusing on dollar amounts and a life by design based on Michael’s 5 Ls: Where you live, what you love doing, what you’re learning, what makes you laugh, and what your legacy is Training your subconscious to work for your ultimate success “Your life is a printout of your subconscious mind.” Links referred to in the episode, and how to connect with the guest, Michael de Haan: Quantum Leap Global Michael on LinedIn Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #16 Money Mindsets, Shifts, and Stories, Gael Wood of Elevate with Gael Successful massage therapist turned successful online business owner, Gael Wood shares her journey from difficult financial situations to financial triumphs. It’s not all about the income, the spending, or even the advice. She frequently had to prioritize and address her money mindset to fit the situation and challenges. Losing a home during the Great Recession Creating an eBook based on her professional expertise When bad things happen when you’re doing things right Starting a family business and then trying the laptop lifestyle The stress and power of risk involved in running your own business What’s the worse thing that could go wrong, and can you handle it? Working together as a couple and dealing with money problems Hiring a best friend and keeping him busy during slow business times The hustle of starting your own business Loving your work means the demands are sacrifices Staying motivated to keep your business going Adding content creation to the online business and hiring a virtual assistant The frustration of planning for business taxes and preparing your own tax return Pushing yourself out of your comfort zone to learn new skills Using credit even after having made mistakes The importance of maintaining a household savings fund Thinking for yourself rather than blindly following a popular author Listening to your partner and compromising when it comes to household finances Learning to use money as you would any other tool Creating situations and opportunities to grow your personal finances Links referred to in the episode, and how to connect with the guest, Gael Wood: ElevateWithGael.com Gael on Facebook Gael on Instagram Gael on YouTube Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #15 Looking beyond the Difficult Moment, Jon DiSavino of Short Story Today A graduate of a fine arts college who pursued acting as a young adult, Jon DiSavino took on a different role as a father to raise his daughter and put his family “on solid ground.” The acting bug never left, though. Jon shares his personal finance journey through acting as a young person and how he approaches it nowadays after retiring from his “day job.” The Origin of Jon’s passion for the stage and theater Actors as a combination of independent contractors, freelancers, and small business owners Facing the instability of income as a young actor The role of periodic unemployment income in the lives of many actors The shifting of the notion that personal finance is personal and should not be included in school curricula Changing priorities with the birth of Jon’s daughter The challenges of repeated rejections as an actor Paychecks as an actor in a union member What Jon would tell his 18-year-old self about his future finances Desperately wandering around Manhattan at age 24 looking for work Looking beyond the moment during times of difficulties and isolation Having the will to make something of life Building a personal brand post-retirement Connecting with the community of emerging writers via Twitter and using Short Story Today podcast to help others The powerful role a good credit rating has played in Jon’s life Links referred to in the episode, and how to connect with the guest, Jon DiSavino: ShortStoryToday.com JonDiSavino.com Jon on Facebook Jon on LinkedIn Jon on Twitter Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #14 Mentors, Givers, and Mindful Questions, EA Csolkavits of GIVERS University As founder and self-described patriarch of GIVERS University, E. A. Csolkavits attempts to share and spread the experiences he had as a young man when he met and was mentored by multiple successful and very generous people. E.A. shares his own journey from humble beginnings to success along with the mentors he sought and found along the way. He made a commitment early in life to share what he learns about givers and takers and how to help others identify and achieve success of their own. Growing up the son of a milkman and learning to run a business Working at 16 years old as a bonded janitor June Martino The impact that the generosity, kindness, and approachability of June Martino – an early McDonald’s co-owner and bookkeeper to Ray Crock Finding a mentor and becoming an advocate for mentoring Working for Sam Robbins in the diamond industry Interviewing more than 1,000 millionaires in two years and understanding that they all had a story about being in financial troubles before finding success His mentor turned desperation during the Great Depression into a million dollars in less than two years Success results from solving other people’s problems instead of focusing on your own problems “You’ll never have money problems. You’ll have idea problems.” To get the right answer, focus on asking the right question Mentors are there to solve all your problems but to help you grow and improve Givers versus Takers 25 Deeds to tell whether someone is a Giver (wisdom, wealth, and wellness) or a Taker (defeatism, disruption, and destruction) Declare And Turn Around (DATA Reset) to turn from a Taker to a Giver The 3 phrases to say to yourself every day: I will never give up. I will keep rising up. And I will always overcome. Links referred to in the episode, and how to connect with the guest, EA Csolkavits: GIVERS University GIVERS University YouTube Playlist GIVERS University on LinkedIn GIVERS University on Twitter GIVERS University on Instagram GIVERS University on Facebook Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #13 The Road to Alternative Investments, Chris Odegard of The Prolific Investor In a 24-hour period, Chris Odegard’s life turned upside down with divorce. From one day to the next, 55% of his assets were transferred out of his control, he became responsible for paying child support, and had to start paying alimony. Exceeding the expectations of our youth Losing more than half your assets in your 40s Beyond its emotional consequences, divorce can result in the loss of more than half your assets, paying child support, and paying alimony. Choosing to work longer, reduce your lifestyle, or start down a different career path The effect of learning about real estate investments as compared to the 401K road to mediocrity “The teacher will appear when the student is ready.” The risks and rewards of starting over and starting to invest in alternatives or staying in traditional markets Expecting the up-sale at investment seminars Preparing yourself for others close to you to try to dissuade you from nontraditional opportunities Taking advantage of podcasts and YouTube to learn more about virtually anything National and local Real Estate Investors Association (REIA) partnership opportunities Starting investing in real estate with a college duplex purchased with his daughter Moving from a W2 job to the passive income of real estate investments Financial considerations of real estate investing versus securities in the market Changing your life by doing “the one thing” that is most important Links referred to in the episode, and how to connect with the guest, Chris Odegard: TheProlificInvestor.net Get off Your A$$ and Manage Your Money: Why You Need Alternative Investments National Real Estate Investors Association Local Search Rich Dad Poor Dad book on Amazon Rich Dad Poor Dad training organization Gary W. Keller’s The One Thing book Matt Foley: Van Down by the River – SNL (Chris Farley) Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #12 Motorcycles, Minivans, and Money Lessons, Leah Ellis of Endeavor Financial Coaching Financial coach and founder of Endeavor Financial Coaching, Leah Ellis and her husband, Nathan, spent years in the debt cycle that included consumer splurges before Nathan’s business deployments and getting into $100,000 of minivan and solar panel installment loans in just one week. Listen in as Leah shares their story of financial frustration and despair over the accident to heartbreak and anguish over explaining to their kids that they can’t afford their traditional family activities, to their determination and persistence in getting out of $123,000 of debt in less than two years. The financial consequences of a motorcycle accident right after taking on a lot of new consumer debts How a lack of emergency savings rushed Nathan’s healing, and not for the better How a small savings fund instead of debt would have made a world of difference What motivates many families to start building their emergency fund Financing $100,000 of consumer debt in six days with the birth of her second daughter Justifying a new car for the family by misidentifying wants as needs The heartbreaking moment you realize your new consumer bills exceed your household income, and your children will have no financial future Paying off $123k of debt in 23 months, including $80k in one year after closing their credit card accounts It all becomes real when you have to tell your daughter you can’t take her to 6 Flags Learning from our powerful emotions associated with failures The consequences of teaching children about finances and financial mistakes, starting as young at 5 years old Ideas for giving an allowance to young children The only three things you can do with money: spend, save, or give Correlating working for money with getting paid The worry about sharing confidential financial information with your children How to explain the concept of loans and debt to a young child Slaying money dragons by sitting down to do a budget and establishing clarity Links referred to in the episode, and how to connect with the guest, Leah Ellis: Endeavor Financial Coaching Leah on Facebook Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #11 Believing in Yourself to Get Debt-free, Rachel Murphy of Rachel Murphy Coaching Podcast hotel and financial and parenting coach, Rachel Murphy, shares her household’s story into and out of $50,000 of non-mortgage through struggles and challenges with running a business, employment, building a home, and raising financially confident and competent children. Working 2½ jobs to keep a tech company going at the end of the late 90s Tech Bubble Dealing with failure in household finance Experiencing 3 layoffs in 9 months followed immediately by 9/11 Losing confidence in your earning potential Paying off $50k of debt in 5 years earning no more than $30k/year What they did when their friends, family, and even pastor were urging them to file for bankruptcy “Don’t think about the how” Living frugally as a family and parenting on a dime Using a nonprofit credit counseling program Hitting rock bottom mentally before starting their journey out of debt Successfully paying off $50k of debt changed their perspective on life Building a log home as a family in 3½ years after taking a 2-day class and having no construction experience, all while living in a 33’ travel trailer with four children Giving the kids, from 2 to 13, jobs and tasks to help, learning a strong work ethic Building confidence in children through learning life skills using the Confidence-Competence Loop Brain development in teens and “pruning” Teaching children about money across the full financial spectrum, turning over parts of the family budget to the child Tip to get one month ahead on your bills to minimize financial stress Links referred to in the episode, and how to connect with the guest, Rachel Murphy: Rachel Murphy Coaching (with tools and resources for our listeners) Brendon Burchard Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #10 House hacking, Jack Allweil of Fired-to-FIRE.com Jack Allweil, founder of Fired-to-FIRE.com started house hacking by renting out unused rooms in the house he bought after losing his job in Charlotte, NC. Within a few years, he had purchased 10 “doors” (rental units) back in his home state of Michigan plus a short-term rental property in Myrtle Beach, SC. In this episode, Jack shares his story along with the lessons he learned along the way. Choosing the career of an actuary What an actuary does and who they typically work for How a trip to Europe changed his personal and financial life Simple ways Jack’s parents encouraged financial independence without formally talking about it. The value and security of having some money in the bank when facing unemployment The power of reading and watching videos about personal finance and personal economics How Jack started house hacking in 2017 by finding a home in foreclosure and financing the down payment with a 401K loan Tools to find and screen roommates Maximizing the rents and minimizing the financing costs Challenges of house hacking, splitting utility bills, and going to mediation House hacking as a learning opportunity through experience, podcasts, and other sources Expanding to three homes in a different state using Bigger Pockets strategy Diversifying with a short-term rental (condotel) in a tourist destination The challenge of finding cleaners when going with Airbnb Opportunities for getting into investment properties with owner-financed Dealing with long-distance real estate requires setting up systems Overestimating the influence you have on others’ lives but underestimating the influence we can have on our own lives Links referred to in the episode, and how to connect with the guest, Jack Allweil: Fired-to-FIRE.com MySmartMove.com Bigger Pockets Podcast Mint.com Robert Kiyosaki and Personal Finance Statement Personal Capital Jack on LinkedIn Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #8 Choosing Financial Contentment, Scott LaPierre Washington pastor, Scott LaPierre, and his wife, Katie, focused together on paying off their debts on just one income while also raising 9 children. Scott shares their experiences, believes, decisions, and approaches to how they’ve achieved their financial balance despite the obvious challenges. Challenges to living on a single income Not letting your possessions possess you We begin to take things for granted when they become too frequent Dealing with vehicle, mortgage, and consumer debt after getting married on a single, modest income Our culture’s income problem Justifying lots of small, “useless” purchases The needs of housing, clothing, and food What the growth in storage units says about our society Spending our two most valuable resources: time and money Sacrifices, satisfaction, and contentment The power of generosity in life Wealth is a magnifier of who we are The stewardship of money and possessions The Stanford Marshmallow Experiment and self-control Links referred to in the episode, and how to connect with the guest, Scott LaPierre: ScottLaPierre.org Scott on Amazon Scott on Twitter Scott on YouTube Stanford Marshmallow Test Please subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #9 Never too Late for Financial Freedom, Howard Dekkers of HowardDekkers.com Although his father taught him to save 10% of everything he made, Howard Dekker found himself living paycheck-to-paycheck through his 20s and 30s, even with a high income and as the owner of a million-dollar business. Realizing he and his household were just one event or crisis away from bankruptcy, he began implementing his father’s advice and building upon it by sharing it with young people and adults. His clear message: It’s never too late to start investing. Living paycheck-to-paycheck through his 20s and 30s, even after his father taught him to save 10% of everything he made Even at high income and as an owner of a highly valued business, he had no savings or financial backup His father retired at age 55 as a millionaire after working as a tool and dye worker because he saved and invested regularly The excitement from having a financial freedom plan Why creating a feeling of economic scarcity in his household helped What Howard is teaching to students and adults to help them create a financial freedom plan The power of compound interest and teaching people how money grows Building your budget around your desired lifestyle Why Howard looks forward to stock market drops Young people are ready to learn the concepts but struggle with the implementation Never too late, even in your 50s, to start investing Links referred to in the episode, and how to connect with the guest, Howard Dekkers: HowardDekkers.com Facebook – Financial Freedom Is within Your Reach Instagram – Howard Dekkers Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #7 The Windy Roads of Personal Finance, Daniel Blue of Question Education The challenges and setbacks of childhood led our guest, Daniel Blue, toward addiction and overspending. But, they also play roles in his eventual path out of these difficulties and into homeownership, entrepreneurship, and even mentoring others along the way. Daniel’s struggles with OxyContin How Daniel found strength, motivation, and support to leave his addiction behind Despite his great income in sales as a young adult, Daniel started building credit late and struggled to build wealth because of his spending behaviors Buying a home just before the housing market crash in 2008 Insurance premiums on nice cars we bought as young adults Changing from the victim mentality to an attitude of gratitude to find peace Starting without the perfect plan but with a desire to succeed and to learn from others Taking advantage of pre-established good money habits when starting a business Mentoring goes both ways Dealing with the victim mentality to pay off credit card debt Using retirement accounts to pay off debt Moving forward with confidence Links referred to in the episode, and how to connect with the guest, Daniel Blue: Free Course from Daniel Blue for the Money Fit Show Listeners Daniel Blue Article on Forbes Blueprint to Your Best Retirement Daniel Blue.me How Winners Win Podcast on Apple Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #2 The Debt Payoff Planner, Brady Benware, Co-creator of Debt Payoff Planner It all started during a Thanksgiving dinner conversation with his brother-in-law. Brady Benware and his co-creator of The Debt Payoff Planner wanted to remove one of the biggest barriers that consumers bump up against when trying to create a debt repayment plan: doing the math. In this episode, host Todd Christensen speaks with Brady about how they incorporated elements of human psychology into their product and why willpower is not enough. Automating the complexities of doing the math of getting out of debt The frustration of relying on willpower only when getting out of debt How automation addresses the snowball versus avalanche dilemma Celebrating every milestone along the way to debt freedom to stay motivated Incorporating human psychology into the debt elimination process Keeping progress front-of-mind to stay motivated Story of a woman with $45k of debt The 5 approaches for paying off debt Links referred to in the episode, and how to connect with the guest, Brady Benware: - The Debt Payoff Planner - Brady Benware on Twitter (@brady_benware) SUBSCRIBE to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: -Twitter: @MoneyFitbyDRS - Facebook: MoneyFitbyDRS - Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #5 Transforming the Debt Resolution Firm Guest Name: Leslie H. Tayne About the Guest: Rounder and managing director of Tayne Law Group PC and Author of Life & Debt Debt relief attorney and author of Life & Debt, Leslie H. Tayne, shares her personal journey through law school and into her attempts to recreate the debt settlement industry. Join her and host, Todd Christensen, to learn about how debt resolution firms work, who they work for, who they don’t work for, how to choose a legitimate company or attorney, as well as the realistic and potential consequences of resolving your debts this way. Leslie’s journey to becoming an attorney practicing debt resolution on behalf of consumers The lack of discussion of student loan debt and credit card debt in law school Wanting to change the face of the debt settlement world Challenges confronting consumers seeking debt relief An overview of debt settlement as compared to other debt consolidation options No one debt relief option exists for all consumers Whether a consumer is an ideal debt settlement client depends on the type of debt, the consumer’s willingness to settle, the consumer’s expectations, and even the consumer’s professional background Types of debt included and excluded from settlement Ads, definitive statements, and promises that should serve as red flags of scams or unscrupulous businesses Debt settlement has many ramifications, from legal, credit, accounting, tax, and personal issues to homeownership and financial issues Credit as a concern surrounding debt settlement Consequences of working with the wrong debt settlement company Credit scores may bounce back even during the debt resolution process Debt settlement can relieve stress and reduce expenses Links referred to in the episode, and how to connect with the guest, Leslie H. Tayne: Tayne Law Group PC (866) 890-7337 Leslie on LinkedIn, TikTok, Instagram, Pinterest, Facebook, and Twitter Life & Debt Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Season 2: Episode #4 Becoming Money Smart in the Face of Life’s Challenges Guest Name: Gary Grewal About the Guest: Author and Founder of Financial Fives Author of Financial Fives, Gary Grewal, shares several of his financially formative experiences, from growing up with a mother who exemplified positive financial qualities to learning from the mistakes of others (friends, neighbors, and customers at work). Because of these lessons, Gary has avoided credit card debt his entire life. That’s not to say he’s never made financial mistakes or that he wasn’t tempted to use credit cards and debt contrary to these lessons. Still, listeners will learn valuable lessons themselves from Gary’s experiences and from the advice he shares about money, credit, debt, and the power of respectful negotiations. Gary learned the value of a dollar from his mother and the power of negotiation and the value of investing from a mentor. His determination to stay out of debt sprang from a certain amount of fear based on the negative financial experiences of Gary’s neighbors and friends. When working at Circuit City, a customer was stunned when she was declined for the store credit card after having just got a mortgage and taken out two car loans. The tradeoffs between consumer debt and missed opportunities. The importance of doing your research before opening a credit card or store card. Negotiation skills are critical in our society, but a good negotiator does it from an informed and respectful perspective. Good negotiators see themselves as an equal to the other party, regardless of where the power lay. Laying out five financial priorities: know what you’re worth, know how much you bring in and spend, automate your finances, lower your cost of borrowing, and know what’s important to you. The principle of minimalism is all about prioritizing and intentionality. Links referred to in the episode, and how to connect with the guest, Gary Grewal: FinancialFives.com Financial Fives Book by Gary Grewal Automatic Millionaire Book by David Bach Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #3 The Art and Gift of Life-long Career Planning Guest Name: Mark Herschberg About the Guest: Author of The Career Toolkit: Essential Skills for Success that No One Taught You, Mark Herschberg Author and MIT educator, Mark Herschberg, shares key insights and practical tips about how to create a career plan. It doesn’t matter if you’re a high school student or you’re in your 50s and thinking about starting your own small business. From reverse engineering your dream profession to becoming a master negotiator in all aspects of your life to ensure everybody wins, these concepts and principles can make a huge difference in your life. Career planning extends far beyond the high school or college student getting ready to graduate. Approach your career as you would a 10-15 year project, planning for regular changes. Different people will approach their career planning differently. Questions to ask yourself about what you want out of a career, but also question about what you want out of life. Reverse engineering can be applied to the process of getting your dream job. Career planning for entrepreneurs and company founders. Starting a small business later in life. Consider your compensation as not just your salary and benefits but also the experience, skills, and network you are building on your career path. The value and role of negotiating in career planning, from salary to growth and opportunities. Negotiations are not just zero-sum situations like buying a car on CraigsList. Good negotiators create win-win solutions. You and the other parties are negotiating “partners.” Creating a peer group to benefit all involved. Links referred to in the episode, and how to connect with the guest, Mark Herschberg: TheCareerToolkitBook.com The Career Toolkit book on Amazon The Career Toolkit on Twitter Mark Herschberg on LinkedIn The Career Toolkit on Android or iPhone Career Toolkit Resources and Downloads Page Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #2 Wealth, Lifestyle Priorities, and Generational Legacies Guest Name: Walli Miller About the Guest: Founder of Financially Thriving, a three-month, 1:1 coaching program for young professionals. Her “goal is to help women become the first millionaires in their families.” Walli Miller shares the story of her personal financial journey, from mindless spender with very little to show for all her work to not only the first college graduate in her family but the first millionaire as well. Confidence with money starts with accepting possibilities Walli’s no-spend challenge led her to recognize her mindless shopping behavior Mindless spending not only includes making major purchases but also includes purchasing lots of little things, even at discount stores. Positive changes can result from negative experiences at one’s place of employment. Start by understanding your monthly income (not just your salary) and then get a clear understanding of how you’re spending your money. How to live in an expensive area and still progress financially, without feeling deprived. Be aware of and minimize lifestyle creep by focusing on priorities. Life priorities should trump financial priorities. Developing a money mindset involves our approach to financial behaviors, goals, and habits. The FIRE Movement (Financial Independence-Retiring Earning) taught her about building wealth, not just earning more money. Financial independence and wealth mean more than just having money. It means you are creating a family financial legacy. Links referred to in the episode, and how to connect with the guest, Walli Miller: Financially Thriving Website Financially Thriving on Instagram Financially Thriving on Facebook Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #1 Helping Gen Z Discover FIRE… with Guac Guest Name: Darcy Guac About the Guest: Founder and Chief Blogger of We Want Guac where she provides a guide for Gen Z on the path to wealth, supporting young professionals on the best practices for investing, lowering expenses, and earning higher career incomes. In this episode, Darcy Guac shares her personal journey from growing up in a town voted “Worst Place to Live” in the US to placing herself solidly on the path to early financial independence. Darcy’s experience shows how others can pursue the do-it-yourself approach to personal financial stability and success. Movies that are “financially independent-recommended” (Office Space and The Matrix). Defining FIRE as Financial Independence and Retiring Early The Plutus Award Best Generational Financial Literacy Content for focusing on Gen Z. Darcy’s Personal Finance Journey began in the “Worst Place to Live in the United States” and arrived at college without knowing much about managing money. After finding a job in Boston in 2016 through a temp agency, Darcy stumbled upon forums for financial education resources. Finance 2.0 was very interactive, and people were very open to sharing their experiences and financial decisions. Darcy’s plans and experience with student loan debt. Darcy recommends reading articles, joining a financial independence subreddit, listening to podcasts, watching YouTube videos, and even watching TikTok videos of people’s tips and stories of financial success. How to approach asking questions when you’re hesitant or shy. Darcy read and listened until she kind of knew what she didn’t know so she could more confidently ask informed questions. Darcy was always amazed at how many financially successful people were willing to share their time and tips. Darcy’s efforts at WeWantGuac and why she chose the name. The piece of practical advice Darcy shares has to do with getting comfortable with learning about and talking about finance. Links referred to in the episode, and how to connect with the guest, Darcy Guac: WeWantGuac.com WeWantGuac on Twitter WeWantGuac on Instagram Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #32 Maximizing the Financial Benefits of Joining the US Military Guest Name: Mario Pile About the Guest: Mario Pile, Project Director of Veterans Upward Bound at Boise State University Many young people choose to go into the military right after high school. Regardless of the branch you enter, you can find many benefits to your service, from decent and regular pay to retirement plans and payments for a future college education. Unfortunately, as our guest points out based on his personal experience and his professional time working with veterans, too many of our service members go into the military without establishing for themselves what they actually want out of their military experience beyond a steady paycheck. Episode Highlights Proactively understanding what you want out of joining the military Taking advantage of the TSP (Thrift Savings Plan) and the GI Bill Where to find the free PFCs (Personal Finance Counselor) on bases Answering the question of whether the rising cost of a college education is still worth it (spoiler alert: YES!) The smart move of using community colleges before going to universities, especially for potential officers The varied job opportunities for both officers and enlisted Links referred to in the episode, and how to connect with the guest, Mario Pile: Veterans Upward Bound (VUB) Mario Pile at VUB Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS YouTube: MoneyFit Email: Podcast@MoneyFit.org

The Money Fit Show Episode #31 Gaming Our Way to Financial Literacy Guest Name: Luke Erickson About Our Guest: Dr. Luke Erickson is an Accredited Financial Counselor (AFC), REALTOR®, and Associate Professor of Personal finance in the Margaret Ritchie School of Family and Consumer Science at the University of Idaho Dr. Luke Erickson and his colleagues have developed several virtual learning activities (games) like Night of the Living Debt and Credit Score Millionaire for high school students and adults. In this episode, Luke shares his thoughts about various learning methods and teaching approaches in personal finance education. Night of the Living Debt and Credit Score Millionaire How we learn differently about money through games Different ways of learning about personal finance, from lectures to classrooms to games How we learn failing and how games offer chances to fail in no risk situations Anybody can be financially successful The approach and qualify of financial education programs matter The value of face-to-face interaction and field trips in learning about finances Invest regularly in your own financial education Links referred to in the episode, and how to connect with the guest, Dr. Luke Erickson: Northwest Youth Financial Education Night of the Living Debt The Credit Score Millionaire Luke Erickson at the University of Idaho Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #30 What’s in a Name? A Lot if It’s an FCS Class Guest Name: Theresa Golis About the Guest: Program Quality Manager with Idaho Career and Technical Education Family and Consumer Sciences classes can provide students from middle through high school with life skills so many adults wish they had developed themselves earlier. Class names and topics can vary from state to state and sometimes even district to district, so check with your local FCS teachers to see which classes will be best The challenges of being a saver but not a good comparison shopper Family and Consumer Sciences (FCS) classes that involve finances FCS classes are available as early as 6th grade and are hands on regarding budgeting, purchasing, planning, and even advocating for themselves Finding FCS classes by names in different states In some states, certain FCS classes may meet the economics graduation requirement Financial topics in FCS classes can include banking, insurance, budgeting, mortgage rates, homebuying, taxes, renting costs, sustainability, etc. Links referred to in the episode, and how to connect with the guest, Theresa Golis: Idaho Career Division of Career-Technical Education Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #29 Scams, Disasters, Pandemics, and Puppies Guest Name: Rebecca Barr About the Guest: Rebecca serves as the PR and Communications Manager with the Better Business Bureau of Great West + Pacific. The “BBB helps people find and recommend businesses, brands, and charities they can trust.” When most people see victims of disasters and emergencies, they want to reach out and help. Unfortunately, scammers and fraudsters see those disaster victims as tools to turn the generous-hearted into financial fraud victims. Rebecca Barr shares tips to help you avoid becoming the victim of a scammer. How pandemic-related scams compare to scams during normal times Cons sell pandemic-related products Crowdfunding has become a new source of scams and fraud following disasters How to give with confidence: research and vet those requesting money What to do if you think you’ve donated to a scam The emerging and reoccurring puppy scam during COVID-19 Links referred to in the episode, and how to connect with the guest, Rebecca Barr: Trust-BBB.org BBB News of the Latest US Scams Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #28 Becoming Your Child’s Financial Teacher Guest Name: Eric Yard About the Guest: Founder and Host of the Raising Financial Freedom, a podcast for parents who want their children to grow up financially smart or free Whether you’re teaching your young child about the value of saving or your teenager the importance of assets and liabilities, parents need to make it a priority and make it fun. Parents are the first teacher their child sees each morning and the last teacher their child sees at night. Using teaching opportunities to help the child build a positive relationship with money. The value of investing in assets Importance of teaching children about assets and liabilities The 2-3:1 ratio of assets to liabilities Candy machines are assets for the owners but liabilities for the consumers Make it fun to teach children about savings, budgeting, and investing Despite the COVID-19 pandemic, saving for emergencies is still relevant Resources for teaching financial literacy to children include books (and reading with them) Money as a tool, not a source of emotion Influence of parents on their children’s relationship with money Children need to learn valuable budgeting techniques by the time their 10 or 11 Links referred to in the episode, and how to connect with the guest, Eric Yard: Raising Financial Freedom Info@RaisingFinancialFreedom.com Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #27 The Benefits of 529 College Savings Plans Guest Name: David Bell About the Guest: Deputy Director with the office of the Oregon State Treasurer Most College Savings 529 plans are housed at their state treasurer’s office, so we asked David Bell, a previous guest on the Money Fit Show (Episode 13) back to discuss the ins and outs of how college savings 529 plans can benefit students and their parents. Episode Topics The Basics of a College Savings 529 Plan Federal and State Tax Benefits for Contributors to 529 Plans Why May 29 Is College Savings Day Each Year Using 529 Plans in States Other than Where You Live Using Your State 529 Plan to Go to School Out of State Using 529 Plan Funds for College, Trade Schools, Apprenticeships, etc. Using 529 College Savings for Private K12 Tuition Options for Your 529 Funds if the Student Chooses Not to Go to College The Minimal Penalty if Funds Are Withdrawn for non-Educational Purposes The Motivational Aspect of a Child Knowing They Have a College Fund Recommendation to Start Researching Your State’s 529 Program Links referred to in the episode, and how to connect with the guest, David Bell: Oregon College Saves Program Oregon State Treasury Savings Network Financial Empowerment IRS Information about 529 Deductions Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #26 FCS Stories and Resources for Life’s Financial Lessons Guest Name: Barbara Scully About the Guest: FCS Teacher and Podcaster with Connect FCS Ed Family and Consumer Sciences courses involve a lot of financial lessons, whether as part of a personal finance class or as part of a health, textiles, or child development discussion. Teacher, podcaster, and blogger, Barbara Scully, shares her experiences and those of her FCS students coming out of her classrooms, as well as many of her favorite resources available to other teachers, parents, and mentors. Types of family and consumer sciences (FCS) that include personal finance How FCS course names vary by district and state The demand for FCS courses and teachers Various disciplines within FCS: finance, health, relationships, etc. Typical feedback from FCS students Lesson learned by FCS students Classroom resources accessible by parents and mentors Junior Achievement’s Biz Town as a role-playing financial activity Links referred to in the episode, and how to connect with the guest, Barbara Scully: FEPPP (Financial Education Public-Private Partnership in Washington State) NGPF: Next Gen Personal Finance for Teachers Junior Achievement econedlink.org EverFI M Is for Money (Rob Phelan) ConnectFCSEd.com Podcast and Blog Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #25 Money Habits Parents Can Help Their Young Child Build Guest Name: Sam X Renick About the Guest: Sam X Renick is the Author of the Sammy Rabbit books and the founder and driving force behind the Sammy Rabbit company and movement. Episode Description In this financial idea-packed episode, Sam X Renick shares many of the ways he recommends parents approach financial education with their children, starting as early as 3 years old. Whether you’re living what you preach or not, he says, never let advertisers be the principal financial teachers of your children. By the age of 3-5 years, children are already asking money-related questions, so it’s time to start talking to them about finances. Parents too often underestimate their young child’s ability to grasp financial concepts. Don’t force children to articulate complex financial ideas If parents don’t teach their children what they think is most important about money, outside forces such as advertisers will. Start with the habit of helping children to save. Besides its personal finance aspects, a habit of savings teaches delayed gratification, discipline, and goal setting. By 10 years of age, lessons about choice-making and even the risk and reward concept of investing might be appropriate. Even parents struggling with their own financial behavior are not hypocrites when they try to teach financial principles to their children. Habit formation is central to Sammy Rabbit’s messaging. Recommendation to put 50% of income increases toward investing to accelerate financial freedom. Links referred to in the episode, and how to connect with the guest, Sam X. Renick: It’s a Habit Sammy Rabbit SammyRabbit.com Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #24 The Teen Girl’s Gotta-Have-It Guide to Money Guest Name: Variny Yim About the Guest: Director of Partner and Affiliate Relations with the JumpStart Coalition Variny Yim helped to write The Teen Girl's Gotta-Have-It Guide to Money: "Getting Smart About Making It, Saving It, and Spending It!" In this podcast, she steps host, Todd Christensen, through the 5 TEENS tips for parents to help their teenage children learn about the everyday occurrences of financial issues in their lives. If you’re ready to make money discussions with your teen less stressful, less guilt-ridden, and more products, listen in on this episode. How working in the field of finance led to learning more about money How Variny got involved in helping to write about money and children The Acronym WALLET tips for Teens TEENS: Talk, Example, Educate, News, and Support TALK: Take advantage of everyday opportunities to bring money-related issues to teen’s attention EXAMPLE: Try to be a positive role model EDUCATE: Don’t be afraid to keep learning about money and even sharing struggles and opportunities with your kids NEWS: Encourage your children to access current events SUPPORT: Help your child to build new skills or explore their passions Links referred to in the episode, and how to connect with the guest, Variny Yim: Variny Yim’s Home Page Jump$tart Coalition for Personal Financial Literacy The Teen Girl’s Gotta-Have-It Guide to Money Jessica Blatt books Jump$tart Clearinghouse Gas Pipeline Hackers Berenstain Bears’ Trouble with Money Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #23 Winning at the Money Game like a Basketball Phenom Guest Name: Shawn Geegbae About the Guest: Author/Founder of Winning at the Money Game, Shawn Geegbae, a former Wall Street commodities broker, loved the game of basketball growing up. As a student at Syracuse University, he began to write a book that connected the critically important skills in basketball to those required for financial stability and success. During this episode, Shawn and Todd discuss ideas from Shawn’s book and how the game of basketball relates to the money game. Rather than trying to force confidence on players, successful basketball and money coaches know that confidence comes from developing strong skills over time. Shawn also shares tips and ideas for parents and friends that help to create an internal drive to succeed in the money game. Episode Outline Investing in what you love rather than just consuming it The importance of habits in building confidence: “The chains of habits are too light to be felt until they’re too heavy to be removed.” – Warren Buffett Importance of the reading habit Family matched savings Passing on financial literacy to your squad, as noted in Winning at the Money Game book, can start by seeking out knowledge yourself Buying stocks that pay dividends Links referred to in the episode, and how to connect with the guest, Shawn Geegbae: Winning at the Money Game eBook Winning At the Money Game Hidden Brain Podcast: A Creature of Habit Books by Warren Buffett Books about Charlie Monger Books by Peter Lynch Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #22 Using ABLE Accounts to Create Self-Reliance Guest Name: Idaho State Treasurer Julie Ellsworth About the Guest: Treasurer for the Great State of Idaho In this episode, Idaho State Treasurer Julie Ellsworth shares valuable information about ABLE accounts (Achieving a Better Life Experience Act of 2014). These accounts allow eligible persons with disabilities to save up to $100,000 to build self-reliance and assets without losing their related government benefits. Treasurer Ellsworth discusses how ABLE accounts can change the lives of millions of people with disabilities and their families in Idaho and across the country. State treasurers can affect local property taxes through lower bond rates ABLE accounts allow those with disabilities opportunities to save money above typical limitations Age limits for ABLE accounts eligibility State Independent Living Councils promote choice and self-determination for those with disabilities The value of ABLE accounts to the state taxpayers How families and others can help grow ABLE savings accounts ABLE accounts function like a college savings 529 account, being codified under the same federal code There are no tax benefits for contributing to another person’s ABLE account Links referred to in the episode, and how to connect with the guest, Idaho State Treasurer, Julie Ellsworth: Idaho State Treasurer’s Office Treasurer’s Financial Freedom Resources Idaho State Independent Living Council IRS Information on ABLE Accounts Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast Please click the star or give us a thumbs up or a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #21 Surviving the Identity Theft Harvest Season Guest Name: Pam Hult About the Guest: Senior Director with LegalShield With the start of holiday shopping around Thanksgiving, the identity theft harvest season gets into full swing. Listen for how to minimize your risk and identify situations that compromise your personal information. Defining the identity theft harvest season How the COVID-19 Pandemic will make the 2021 identity theft harvest season worse Using digital wallets, rather than entering your credit card information, can help to protect your identity when shopping online Avoid using a public WiFi The Planting Season (where the thieves source your information) How identity thieves might use patience or test your card before using it for a large purchase Links referred to in the episode, and how to connect with the guest, Pam Hult: Pam Hult: PamHult@msn.com LegalShield: https://pamhult.wearelegalshield.com Privacy Rights list of data breaches: https://privacyrights.org/data-breaches Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #020 Season 1 Having Money Talks with Your Teen Guest Name: Dr. Melody Bell About the Guest: Dr. Melody Bell is the Founder and CEO of Financial Beginnings, a national nonprofit that develops and delivers personal finance curricula for youth and adults. Melody passionately believes that sound financial decisions are a result of early education and has made it her life’s work to ensure financial education is more accessible and inclusive to all. In addition to leading the Financial Beginnings team, Melody also serves as an adjunct professor instructing online and hybrid personal finance classes at Portland State University. Conversation Highlights Sharing personal stories of credit card mistakes Having money conversations with children Allowance vs jobs vs a mix of both Supporting teens in their entrepreneurial efforts and side hustles Helping teens learn how to use the money they earn Getting your teen a bank account Financial topics to discuss with your teen (budgeting, credit, investing, insurance, identity theft protection) Links referred to in the episode, and how to connect with the guest, Dr. Melody Bell: Nextdoor.com for babysitting and dog walking opportunities Equifax Credit Report Freeze Experian Credit Report Freeze Transunion Credit Report Freeze Financial Beginnings Money Fit Show Archives Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Then, please share a link to this episode on your social media. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org Home: https://moneyfit.org/podcast

The Money Fit Show Episode #19 Season 1 Student Loan Advantages and Potential Dangers Guest: Janelle Culley with TRIO EOC Taking out government student loans can offer a safer option than private student loans, but students still need to approach student loan debt carefully, borrowing only what they need. Even those who think they could use student loans as free money to invest while in school run a great risk of seeing their investments drop in the short term. Financial hardships involving student loans typically result from over-borrowing, using the funds inappropriately, overestimating your post-college career income, or major changes to the industry in which you’ve chosen to pursue a degree. Do your research to determine realistic income expectations for your post-graduation life before taking out student loans. 1. Being thoughtful and mindful when taking out student loans 2. Fighting the notion that student loans are free money 3. Potential problems associated with overconfidence when taking out student loans 4. What happens to your student loans if you leave college early 5. Student loan deferment and going to school less than part-time 6. Estimating post-college cost of living vs. student loan payments

The Money Fit Show Episode #018 Veterans Upward Bound – Free Resources and Services Guest Name: Mario Pile About the Guest: Project Director of Veterans Upward Bound at Boise State University. A veteran himself of the US Air Force, Mario Pile serves veterans of all military branches, providing them with guidance and resources to prepare for higher education, start a business, find an apprenticeship, or otherwise turn the discipline they developed into the military into a lifelong asset in civilian life. VUB helps prepare veterans for post-high school education and training Skills veterans learned in the military and using to start and run a business Collaborations and internships through VUB Understanding the various GI bills veterans can access Transitioning from military life to civilian life Using military discipline throughout civilian life Links referred to in the episode, and how to connect with the guest, Mario Pile: Veterans Upward Bound at Boise State University Mario Pile: MarioPile@BoiseState.edu, (208) 426-3230 More about Veterans Upward Bound at the US Department of Education Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #017 Raise Your Voice for Financial Education Guest Name: Barbara Scully About the Guest: FCS Teacher and Podcaster with Connect FCS Ed If you’ve ever wondered what happened to Home Economics, listen to this discussion with Barbara Scully. After a name change in 1996 from Home Ec to Family and Consumer Sciences, life skills in personal finance, nutrition, child development, textiles, among others, continue to reach students in FCS classrooms and crossover into many other disciplines. What are the family and consumer sciences Availability of FCS at different districts Talking to your local school about including FCS Personal story of how FCS courses lead to careers FCS Resources Links referred to in the episode, and how to connect with the guest, Barbara Scully: Connect FSC Ed Podcast American Association of Family and Consumer Sciences (AAFCS) Lead FCS Ed Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #016 The History of Home Economics and the Future of Family and Consumer Sciences Guest Name: Theresa Golis About the Guest: Program Quality Manager with Idaho Career and Technical Education The origins of Home Economics involved much more than household cooking. Home Ec (now the Family and Consumer Sciences or FCS) has long concerned itself with big-picture issues like community health, nutrition research, and the economic impacts of household and consumer choices. “The best teacher is the one who has the student leave the classroom and doesn’t need them anymore.” 1. History of Home Economics 2. Name change to Family and Consumer Science was more than just a rebranding 3. Learning life literacy skills in FCS 4. Recommending an FCS class 5. The hands-on, practical nature of FCS classes Links referred to in the episode, and how to connect with the guest, Theresa Golis: Links to Your State Department of Education Idaho Career and Technical Education Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org

The Money Fit Show Episode #015 Getting Comfortable with Uncomfortable Financial Conversations Guest Name: Dana Oster About the Guest: Dana Oster, Financial Wellness Program Coordinator at Boise State University Money management conversations between young adults and their parents feel uncomfortable because it’s generally a new topic. The more often parents and their young adult children talk about finances, the more comfortable they can become with the subject. 1. Talking about money can be like trying on a new pair of jeans 2. Why conversations are uncomfortable for young adults and their parents. 3. Schedule money conversations regularly rather than hiding from money discussions 4. How to approach the topic for the first time. The “What If…” questions. 5. The value of asking multiple, reliable sources for advice 6. Making money a natural topic of daily conversations Links referred to in the episode, and how to connect with the guest, Dana Oster, from Boise State University’s Financial Wellness Program: Boise State Financial Wellness Program Dana Oster: DanaOster@BoiseState.edu Subscribe to the Money Fit Show today wherever you get your podcasts! You can also find us at moneyfit.org/podcast We would appreciate it if you would click the star or thumbs up to give us a like for today’s episode. Connect with the Money Fit Show: Twitter: @MoneyFitbyDRS Facebook: MoneyFitbyDRS Email: Podcast@MoneyFit.org