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Related Links:This week's related blog postPayScale's negotiation dataAAUWBossed UpTalk about salaries at workMake sure you're registered to voteFind your polling placeLearn when your local elections areShe Should RunEmily's List--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programFollow Maggie on Instagram and Twitter!The theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
Are you a breadwinning woman in your family? Do you struggle with feeling powerful and confident about your finances, no matter how far you've come? This episode is for you!--Related Links:https://www.mindmoneybalance.com/Learn more about Lindsay's Boundless program for couplesOrder Lindsay's book, The Financial Anxiety Solution.Lindsay's Instagram PageLindsay's YouTube ChannelLindsay's free Facebook group for couplesLearn how to talk about money with your partnerStatement Cards: celebrating women’s ambitions and milestones beyond marriage and motherhood.--Lindsay Bryan-Podvin is the first financial therapist in Michigan; she combines financial literacy with the emotional and psychological side of money. With a professional history in mental health care, she found a greater love working at the intersection of mental health and money. It’s her mission to open up a dialogue with clients to talk about their money beyond bookkeeping. She hopes all of her financial therapy clients understand the basics of money, but also feel damn good about how their money is working for them. Lindsay practices financial therapy full time at Grove Emotional Health Collaborative in Ann Arbor. Off the clock, she can be found playing with her dog, Birdie, or scheming her next getaway with her husband.--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programFollow Maggie on Instagram and Twitter!The theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
Are you a small business owner? Then this podcast episode is for you! Learn everything you need to know about paying taxes as an entrepreneur and what you should ask when hiring a tax professional.--Related Links:Little Fish AccountingFish Food PodcastEmail Keila: hello@littlefishaccounting.comQuickbooksWave--Keila Hill-Trawick is the Founder + Principal of Little Fish Accounting, a boutique CPA firm dedicated to the accounting and tax needs of individuals, freelancers, and small business owners. Keila holds a Bachelors of Business Administration in Accounting from Georgia State University, an MBA from Mercer University. Keila hails from Atlanta, GA and is currently based in Washington DC.--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programFollow Maggie on Instagram and Twitter!The theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
This week's episode is brought to you by Stitcher premium. Listen to some of your favorite shows, ad-free with Stitcher premium like Unladylike, Being Boss, and more. Plus, you can get access to Stitcher originals like the Neighborhood Listen and Scam Goddess. Stitcher premium is only $4.99 a month or $34.99 a year, but if you use the code moneycircle, you can get your first month for free. Go to stitcher.com/premium to sign up today.In honor of Valentine's Day, Maggie is getting personal about her own money conversations with her husband! It's not all rainbows and roses, but having certain systems in place helps a lot. Related Links:Revisiting the Money Talk With Your PartnerZetaHoneydueHoneyfiMintEmail Maggie at hello@maggiegermano.com!--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
Don't put off having the money talk with your parents any longer. But you don't have to figure it out on your own. Tune in to this week's episode to learn why you need to be having these conversations and how to have them.--Cameron Huddleston is the author of Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances. She also is an award-winning journalist with more than 17 years of experience writing about personal finance.Related Links:Cameron's book, Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their FinancesCameron's WebsiteFree resources--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
Want to improve your credit score? You have the power! It might take months or longer, but it's possible. Follow the tips in this episode and you'll see your credit score go up.Make All Payments On TimeDecrease Your Debt to Credit RatioDispute Errors On Your Credit ReportAsk Creditors to Remove Marks From Your Credit ReportDon't Apply For Unnecessary New AccountsRelated Links:Read this week's related blog postCheck your credit score:Credit KarmaCredit SesameAnnualcreditreport.comYou get 1 copy of your credit report from each bureau every year.--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
Listen in to learn how to prioritize your health this year and every year, this time without the shame and judgment that usually comes along.Related Links:Brianna's website: http://www.madewell345.com/ Email Brianna at madewellky@gmail.comFollow Brianna on social media @Madewell345The Healthy Body PodcastHealthy Body Secrets for Women Facebook groupBrianna's Resource LibraryBrianna's free challenge--Brianna Wilkerson is the Founder/CEO of Made Well 345, LLC. She is a Holistic Health and Life Coach with a heart to see busy women ditch dieting, lose weight, and reclaim their health for good. She is also an Essential Oils Advocate for doTERRA Essential Oils and empowers women to use non-toxic, natural solutions like essential oils for their health and those they love.In addition to health coaching and essential oils, Brianna is also passionate about fitness and chose to become a Crossfit Level 1 Trainer to further serve women who want to get fit in a way that's functional, fun, and effective. You can find Brianna hanging out on Instagram, in her Facebook Groups, on her podcast, the Healthy Body Podcast.--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
Are you ready to pay down your credit card debt? This week's episode goes into detail about what steps you should take to pay down your debt and also gives you some examples of how others have done it themselves.Related Links:This week's blog: https://www.maggiegermano.com/blog/how-to-pay-down-credit-card-debt-this-year/ Debt payoff calculator: https://www.creditkarma.com/calculators/debt_repayment/Debt snowball calculator: https://www.nerdwallet.com/blog/finance/debt-snowball-calculator/ --To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programFollow Maggie on Instagram and Twitter!The theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
This week's episode is brought to you by Stitcher premium. Listen to some of your favorite podcasts. Ad-free was Stitcher premium like Conan O'Brien needs a friend, my favorite murder and more. Plus you can get access to situ originals like the neighborhood listen and groceries. Stitcher premium is only $4.99 a month or $34.99 a year, but if you use the code MONEYCIRCLE, you can get your first month free. Go to stitcher.com/premium to sign up today.Resources:Cristina's Pique CoachingEmail Cristina: hello@piquecoaching.coPrintable: How to get into a deep work state in 15 minutesAtomic Habits by James ClearJames Lenhoff, CFPEckhart TolleLadder thoughts--“Be the silent watcher of your thoughts and behavior. You are beneath the thinker. You are the stillness beneath the mental noise. You are the love and joy beneath the pain.”- Eckhart Tolle--Cristina Roman is a Washington, DC-based Certified Life Coach for antsy high-achievers ready to go all in on their own evolution with high-impact, low-frills coaching. She’s obsessed with the mind, intuition, creativity, and what really makes people tick. (Spoiler: It’s not usually money.) She half-jokes that she’s Cross Legged Coach; her goal is always to keep things casual but wildly impactful in her work.--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
In celebration of the impending new year and new decade, Maggie is looking back on the last 10 years and everything she's accomplished. Plus, she talks a little bit about looking forward and planning for more big changes.--Check out Marie Forleo's Decade in Review exercise. Download Maggie's worksheet that helps you celebrate your 2019 achievements.--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
This week’s episode is brought to you by Stitcher Premium! Listen to some of your favorite shows ad-free with Stitcher premium like Conan O’Brien Needs a Friend, My Favorite Murder, Science Rules with Bill Nye and more! Plus you can get access to Stitcher Originals like the Neighborhood Listen and Groceries, which are two silly and lovely podcasts. Stitcher Premium is only $4.99 a month or $34.99 a year, but if you use the code MONEYCIRCLE, you can get your first month free. Go to stitcher.com/premium to sign up today!--Check out Maggie's blog post from this week to learn more about creating positive money affirmations! Not sure where to start with creating your own affirmations? Here are a few to inspire you:I track my expenses often and with ease.My budget works for me.I am in control of my money.I value my long-term goals over my short-term gratification.I am worthy of financial stability.I am more than my past mistakes.--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
This week’s episode is brought to you by Stitcher Premium! Listen to some of your favorite shows ad-free with Stitcher premium like Conan O'Brien Needs a Friend, My Favorite Murder, Science Rules with Bill Nye and more! Plus you can get access to Stitcher Originals like the Neighborhood Listen and Groceries, which are two silly and lovely podcasts. Stitcher Premium is only $4.99 a month or $34.99 a year, but if you use the code MONEYCIRCLE, you can get your first month free. Go to stitcher.com/premium to sign up today!--Join Maggie and financial coach Ericka Young to learn about what you can do to get your finances right as 2019 comes to an end and how to set yourself up for success in 2020. They touch on holiday spending, goal setting, having money conversations, and more.Resources:SMART goalsPlanning for holiday spending7 Day Money ChallengeNaked and Unashamed: 10 Money Conversations Every Couple Must Have--Ericka Young is the president and founder of Tailor-Made Budgets which she opened in 2005 after she and her husband Chris climbed their way out of nearly $100,000 in debt. She became a certified financial coach by Dave Ramsey’s Lampo Group in 2006 and combines her passion for helping people with creative debt reduction techniques so everyone can have a path to financial freedom. Ericka is a recognized financial expert who inspires people to significantly improve their finances, family and their future with a solid plan. Ericka’s Best-Selling book, “Naked and Unashamed: 10 Money Conversations Every Couple Must Have” was released online in February 2017 worldwide. She currently teaches her message of debt freedom through her e-newsletters, personal and group coaching, workshops and speaking engagements. Ericka, Chris and their two teenage daughters, Faith and Olivia reside in Fishers, IN. --To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
As Marie Kondo’s first certified consultant based in Washington DC, Jenny Albertini has been transforming homes throughout the DMV since she opened Declutter DC in 2016. Whether or not you’ve watched the Netflix series or read one of Marie’s best-selling books, Jenny can help you use the KonMari method to move from feeling overwhelmed and stuck to experiencing calm and success in your home (and your life). Declutter DC has been featured as a Best of DC service in The Washingtonian, on PBS News Hour, through Apartment Therapy and National Geographic, as well as on additional local and international platforms. By using her background training in global health programming for the US government, Jenny brings a classic DC touch of diplomacy to all of her client sessions and speaking engagements as she works on cleaning up the capital, one home at a time.Want to learn more about Jenny? Email her at boss@declutterdc.com!Related links:www.declutterdc.comhttps://konmari.com/--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
Resources:Article on Preparing for Pet CostsWolf Trap Animal RescueLow-cost neutering optionsCompare pet insurance companiesHealthy Paws InsuranceBark BoxChewyTo learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
In honor of open enrollment season, Maggie sat down with her friend and healthcare advocate, Nina Serrianne. They talked about why it's so important for people to have health insurance, what the options are, and how to make sure you get the plan that is right for you.Resources:Healthcare.govAffordable Care ActMedicaid - for low-income folksMedicare - for elderly folksJunk Plans -Planned Parenthood Mohawk HudsonHyde AmendmentContraception mandateCongressional Review Act (this has since failed in the Senate)Lower Drug Costs Now Act of 2019 (HR3) - Call your Congressperson!How to figure out how to contact your rep:https://www.house.gov/representatives/find-your-representativehttps://www.callmycongress.com/https://5calls.org/ Access Is Affordability ActWhat the Health podcastKaiser Family Healthcare Q&A--Since 2002, Nina Esperanza Serrianne has advocated on the local, state, and national level for reproductive health, rights, and justice; gender equity; LGBTQ rights; and ending gender-based violence. Nina is the Sexual and Reproductive Health Equity Policy analyst at the National Latina Institute for Reproductive Health and among other issues works to protect Title X, Medicaid coverage, the Affordable Care Act, and contraceptive access for Latinxs living in the U.S.Some highlights of her career include working in the office of Congresswoman Jackie Speier (CA-14), working for Planned Parenthood Mohawk Hudson, and publishing her first book, America in the Nineties, a survey of the policies and politics of the decade, published by Syracuse University Press in 2015.Follow Nina on Twitter to stay informed.--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by my dear husband, Dan Rader.
Resources:Healthcare.govMaryland: https://www.marylandhealthconnection.gov/DC: https://dchealthlink.com/Medicaid--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
Join host Maggie Germano as she interviews family attorney Rebecca C. Neale about divorce, pre-nups, estate planning, and managing money within a family. What to Gather in Preparation for a Divorce:3 years of tax returnsBank statements (online access to bank accounts, at least)Credit reports: www.annualcreditreport.comOne when you are getting ready to fileAnother a year laterDeed/mortgage (available online or at the registry)Paystubs and spouse's paystubsOpen your own personal bank accountResources:Email Rebecca: rebecca@bedfordfamilylawyer.comCall Rebecca: (781) 499-2016Visit Rebecca's website: https://bedfordfamilylawyer.com/Women's Bar FoundationLegal Aid: do a search for your state or county legal aidDC: https://www.legalaiddc.org/ Maryland: https://www.mdlab.org/Virginia: https://www.valegalaid.org/ Prince George's County: https://www.clspgc.org/--Rebecca G. Neale has years of experience advocating for clients in the courtroom and the conference room, and enjoys helping people navigate some of the most difficult chapters of their lives.As a Staff Attorney at Legal Aid of Northeastern New York, she represented and advised over 300 clients in housing proceedings, Social Security appeals, and more. Rebecca has represented homeowners in nationwide class action lawsuits against banks and small businesses in contract disputes, and clerked for the highest state courts in New York and California.She practices domestic relations and estate planning law in a small Massachusetts town called Bedford.--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
This week, Maggie is talking about saving throughout the year so that you can afford bigger purchases. This is also what is known as creating “sinking funds”. You can do this for lots of different expenses and purchases:Annual or quarterly expenses such as:Car insuranceAnnual feesRenter’s insuranceTaxesWater bill TravelHoliday travelWeekend tripsBig vacationsShoppingHoliday giftsBirthday giftsWardrobe refreshes (mention my client)Expensive purchasesA carA laptop--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by my dear husband, Dan Rader.
If you are partnered, married, if you have kids or think you'll have kids someday... even if you just have parents or siblings, this episode is for you! Chelsea Brennan and Maggie talk all about how to manage finances and other important information as a family, as well as planning ahead in case of emergencies. Chelsea makes these difficult topics easy to understand and act on!--Resources:Buy the In Case of Emergency BinderGet a will for free: https://tomorrow.me Get a will for $69: https://trustandwill.com/ Visit Smart Money MamasRegister for the Mamas Talk Money summit!It starts October 21st!--Chelsea Brennan is an ex-hedge fund investment manager turned full-time blogger at Smart Money Mamas. After several years working on Wall Street, Chelsea made a major life change to choose family, passion, and a positive impact on the world over money. With Smart Money Mamas, Chelsea is on a mission to help all moms feel confident and secure with money so they can stress less and do the work they feel called to do.Chelsea is a recovering perfectionist, aspiring homesteader, and full-blown Potterhead living in Connecticut with her husband (a rockstar stay-at-home dad and board game enthusiast), two young boys, a puppy named Stitches, and 14 crazy chickens.--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by my dear husband, Dan Rader.
The TWiPpers of the bite fantastic solve the case of the Indian Man Who Hiked, and discuss the effects of schistosome soluble egg antigen on infection of lymphocytes with HIV-1. Hosts: Vincent Racaniello, Dickson Despommier, and Daniel Griffin Subscribe (free): iTunes, Google Podcasts, RSS, email Links for this episode Effect of schistosome soluble egg antigen on HIV-1 infection (PLoS P) Hero: Lawson Soulsby Letters read on TWiP 176 Become a patron of TWiP. Case Study for TWiP 176 Recent case, woman in late 20s, schoolteacher. Outer boroughs of NYC. Wakes up on Saturday, completely rash-y, head to toe. Goes to urgent care center, say is allergic, give anti histamines and steroids. Persists after a few days, goes to allergist. Only allergen positive, dust mites. Few days later goes to GP, still itchy and rash-y. He does more thorough exam, notices she has small red lesions on fingers and between fingers. Several children in classes she is teaching has similar malady. Given therapeutic, rash goes away. Otherwise healthy, HIV negative. Partner not around at the time this develops. Send your case diagnosis, questions and comments to twip@microbe.tv Music by Ronald Jenkees
It's a short one this week! Maggie is answering listener Samantha's question: “What are the best places to put money that you want to save in the short term, like for a bigger purchase (5–12k) in the near future (2-5 years)?”Resources:Money Circle Podcast episode 2: https://www.maggiegermano.com/podcast/episode02/ High-Yield Savings Accounts:Ally Bank: https://www.ally.com/ Synchrony: https://www.synchronybank.com/American Express: https://www.americanexpress.com/personalsavings/high-yield-savings-account.htmlBarclays: https://www.banking.barclaysus.com/online-savings.html--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by my dear husband, Dan Rader.
In this episode, Maggie sat down with financial therapist Lindsay Bryan-Podvin. They talked about financial anxiety, how it manifests, and how you can work to release its hold on you. If you struggle with anxiety about money, this episode is for you!--Lindsay Bryan-Podvin is the first financial therapist in Michigan; she combines financial literacy with the emotional and psychological side of money. With a professional history in mental health care, she found a greater love working at the intersection of mental health and money. It's her mission to open up a dialogue with clients to talk about their money beyond bookkeeping. She hopes all of her financial therapy clients understand the basics of money, but also feel damn good about how their money is working for them. Lindsay practices financial therapy full time at Grove Emotional Health Collaborative in Ann Arbor. Off the clock, she can be found playing with her dog, Birdie, or scheming her next getaway with her husband.Find her on Instagram @mindmoneybalance or her website www.mindmoneybalance.com.--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.
Resources:Read Melanie's Allure piece on the link between suicide and debtBuy Melanie's book, Dear DebtSuicide Prevention Blog TourStudent Loan Planner study on suicide and student loan debtCheck out financial therapists Amanda Clayman and Lindsay Bryan-PodvinUse the Crisis Text LineUse the Suicide Prevention Lifeline--Melanie Lockert is the founder of the blog and author of the book, Dear Debt. Through her blog, she chronicled her journey out of $81,000 in student loan debt. She is also the co-founder of the Lola Retreat, which helps bold women face their fears, own their dreams and figure out a plan to be in control of their finances. She is passionate about empowering women, helping others get out of debt, and focuses on the intersection of debt and mental health. Every September she organizes a Suicide Prevention Awareness Blog Tour, to help share resources for those struggling with debt and suicide. You can find her at DearDebt.com and @MelanieLockert.--To learn more about Maggie and her coaching and speaking services, visit www.maggiegermano.com.To get more involved with Money Circle:Join the free Facebook groupCome to an in-person event in DCSign up for the virtual membership programThe theme music is called Escaping Light by Aaron Sprinkle. The podcast artwork design is by Maggie’s dear husband, Dan Rader.