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If you've ever wondered what you should look for in a financial advisor, or when it even makes sense to hire one, this episode is for you.Related Links:Find a financial advisor on SmartAssetLearn more about DeriConnect with Deri on LinkedIn--As a Financial Professional with Prudential, Deri can help you with many of the financial questions you have - from evaluating insurance needs to helping you prepare for college costs or meeting your retirement goals. Her promise: to work tirelessly to help you achieve your goals. At Prudential, we are dedicated to building and maintaining close relationships with our customers– relationships founded on trust, respect and integrity. No matter what stage of life you find yourself in, as a Prudential Financial Professional, she can help you find solutions to your financial challenges. So whether you're 'Just Starting Out,' 'Settling into Retirement,' or somewhere in between, let's discuss your current financial situation, goals and challenges – and together she can help you meet your challenges.--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 DCFollow 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.

Related Links:Tayne Law GroupLeslie on TwitterTayne Law Group on FacebookLeslie on InstagramLeslie on LinkedInLeslie's book, Life & DebtDebt consolidationDebt settlementConsumer credit counselingBankruptcyChapter 7Chapter 11Chapter 13--Leslie H. Tayne, Esq. is an award-winning financial attorney and author of the book Life & Debt. She has over 20 years of experience in consumer and business financial debt solutions through the management of the Tayne Law Group her award-winning debt solutions law firms. She regularly negotiates with large international banks and credit agencies for loans, lines of credit, credit cards, and student loans. Leslie is a frequently sought-out for her expertise on financial, credit and debt topics in the media and as a speaker where she regularly provides insight and strategies regarding all areas of debt and credit-related solutions to outlets like the Huffington Post, Yahoo Finance, US News and World Report, MSN, market watch among many others. Leslie is the go-to expert on debt resolution.--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 DCFollow 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.

If you, or your kid, wants to go to college someday, but you don't want to end up in a pile of debt, there are other options. Maggie chatted with Pam Andrews of The Scholarship Shark about the resources you should consider. Related Links:The Scholarship SharkThe Scholarship Shark PodcastCollege Admissions AcademyScholarship MasteryThe Scholarship Shark bookThe Scholarship Shark on InstagramThe Scholarship Shark on FacebookFastweb.comUnigo.com The College Board ScholarshipsYou VisitACT.orgScholarships.comState Financial Aid Programs--Pam Andrews is a College Admissions Coach and Scholarship Strategist.  Pam helps high school students get into their dream college and secure scholarships that will pay for it.  She has earned her Bachelor of Science Degree in Electrical Engineering from North Carolina A&T State University and a certificate in College Advising from Columbia University Teacher’s College.Pam has been married for over twenty-three years and is a homeschool mother to four children ranging from elementary school to college.  In addition to being a homeschool mother who is active in her local support group, Pam is also a board member of the Parents’ Association for Ringling College of Art and Design.Pam is known for helping her son win over $700,000 in scholarship money that pays for his undergraduate and graduate school. More importantly, she has helped her clients win over $1,000,000 in scholarships.  Because of her success, Pam is often asked, “How do you do it?” To answer this question she launched, The Scholarship Shark, a coaching company that offers parents and students a road map to maximizing their efforts to getting into college as well as finding and winning scholarship money.--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 DCFollow 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.

The COVID-19 crisis has changed a lot about the world in a short time period. Those changes apply to pregnant people, as well. Learn how you can still get the support and care that you need if you're pregnant and giving birth during COVID-19. --Kelsey is a birth, postpartum, and postoperative doula, and the Founder of Rainbow Doula DC, a queer-focused doula collective in the DC area. She focuses on a culture of respect for all birthing people, and is hoping to shift the culture around birth to be more inclusive of non-binary and trans folx. She is passionate about an approach that is trauma-informed and rooted in consent-based care. Before coming to doula work, Kelsey worked in international relations and reproductive health advocacy. Find out more about queer-inclusive birth work at www.RainbowDoulaDC.com.--Related Links:Rainbow Doula DCDIY Doula ClassChildbirth Education Class (sign up to be notified when it's available)Birthing Bill of RightsCDC Guidelineshttps://www.cdc.gov/coronavirus/2019-ncov/need-extra-precautions/pregnancy-breastfeeding.html https://www.cdc.gov/coronavirus/2019-ncov/need-extra-precautions/index.htmlhttps://www.cdc.gov/coronavirus/2019-ncov/hcp/inpatient-obstetric-healthcare-guidance.html WHO Guidelineshttps://www.who.int/reproductivehealth/publications/emergencies/COVID-19-pregnancy-ipc-breastfeeding-infographics/en/ Evidencebasedbirth.comCOVID-19 information: https://evidencebasedbirth.com/covid19/Home birth questions to ask:Am I a good candidate for home birth?High risk?First time delivering?What are the emergency procedures?Which hospitals have a relationship with the home birth midwife?Learn more about having a home birth:https://www.mayoclinic.org/healthy-lifestyle/labor-and-delivery/in-depth/home-birth/art-20046878https://www.npr.org/sections/health-shots/2019/03/11/700829719/home-birth-can-be-appealing-but-how-safe-is-ithttps://americanpregnancy.org/labor-and-birth/home-birth/https://www.whattoexpect.com/pregnancy/home-birth/ --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 DCFollow 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.

Whether you or someone you know has a child with special needs, it can be difficult to navigate the financial landscape that comes along with it. In this important episode, Brynne Conroy breaks down the different government resources that are available for children, families, and adults with special needs.Related Links:Femmefrugality.comThe Feminist Financial HandbookChildren, Medicaid & Autism: State-by-State GuideFind out about your state's ABLE programs.The Forgotten History of AutismHow Disablism Affected My Finances: An account by an Autistic adultIn-depth overview of ABLE accountsInvesting in ABLE accountsCareer resources for disabled youth. (Read this as early as your child’s entry to middle school!)Personal Finance By WomenFemme Frugality on InstagramFemme Frugality on Twitter--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 DCFollow 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.

Related Links:www.tailormadebudgets.com Facebook: https://www.facebook.com/TailorMadeBudgets/ Instagram: www.instagram.com/tailormadebudgets LinkedIn: https://www.linkedin.com/in/erickayoung/ 7 Day Money Challenge: http://www.7daymoneychallenge.com/ Naked and Unashamed book: https://www.nakedandunashamedbook.com/ 21 Days of Healthy Habits: https://www.tailormadebudgets.com/healthyhabits --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 DCFollow 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.

Even though we now have until July 15, 2020 to file and pay our 2020 taxes, you can still start getting organized now. Tune in to hear about tax filing advice, and why you shouldn't be afraid of the IRS, from Michele Cagan, CPA.--Related Links:https://michelecagancpa.com/ File a tax extensionSee if you qualify for free fileThe CARES ActWhat The Coronavirus Stimulus Package Means For YouHow to Do Your Taxes on the CheapHow To Do Your TaxesHere's How You Should Use Your Tax RefundAre you stressed out about doing your taxes?IRS VITA Grant ProgramQualifying Business Income (QBI)Tax Filing Websites:H&R BlockTurboTaxTaxAct--Michele Cagan is a CPA, author, and financial mentor with more than twenty years of experience. She has written numerous articles and books about personal finance, investing, and accounting, including The Infographic Guide to Personal Finance, Retirement 101, Debt 101, and Real Estate Investing 101. --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 DCFollow 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.

Related links:Bossed UpBossed Up BootcampBossed Up podcastHIRED AcceleratorBossed Up Courage CommunityEmilie and Bossed Up on InstagramCARES ActWhat The Coronavirus Stimulus Package Means For You --Emilie Aries is a speaker, podcast host, author, and the Founder & CEO of Bossed Up, an award-winning personal and professional development community where she helps women craft happy, healthy, and sustainable career paths.Her new book, Bossed Up: A Grown Woman's Guide To Getting Your Sh*t Together, serves as a practical roadmap for women who want to set themselves up for sustainable, long-term career success and step up as the boss of their lives.--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 DCFollow 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.

On Friday, March 27th, 2020, Donald Trump signed the Coronavirus Aid, Relief, and Economic Security Act, also known as the CARES Act. This is a $2 trillion stimulus package, which is the largest relief bill ever passed in the United States. It surpasses the American Recovery and Reinvestment Act, which was signed by President Obama in 2009 as a response to the Great Recession, and the National Industrial Recovery Act that was signed in 1933 by President Franklin D. Roosevelt during the Great Depression.To give you the highlights, here's what you can expect:You Likely Have a Check Coming In the MailYou Don’t Have to Pay Federal Student Loans for Six MonthsYou Can Get More Money Through UnemploymentYou Don’t Have to File Or Pay Your Taxes Until JulyYour Health Insurance Company Must Cover COVID-19 Testing, Treatments, and VaccinesTo talk to Maggie about financial coaching, schedule a free discovery call. For any one-time financial coaching sessions booked within the next 6 weeks, you can get a $50 discount.Related links:What’s Inside The Senate’s $2 Trillion Coronavirus Aid PackageF.A.Q. on Stimulus Checks, Unemployment and the Coronavirus PlanStimulus checks: How much money will you get, and when?High Schoolers & College Students May Not Be Eligible For Stimulus ChecksCoronavirus Tax ReliefWhat you need to know about student loans and the coronavirus pandemic2020 Tax Deadline Extension: What Is and Isn’t Extended?Calculate how much you’ll get from the $1,200 (or more) coronavirus checks–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 DCFollow 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.

Things feel really scary and uncertain right now! It's totally valid to be anxious and overwhelmed. One thing you can do to regain a sense of control is to make some smart money moves. Here are just a few ideas to get you started:Do an audit of your budget and see which spending is not essential right now.Pause any recurring payments that you aren't using right now, like your gym membership.Avoid shopping online. It's a common stress reliever but could put you into a worse financial situation.Prioritize funding your emergency savings, especially if your income is at risk.Contact your federal student loan provider to suspend your student loans if you can't currently make the payments.Keep your eye on your long term financial goals, like retirement and paying down debt. Continue to contribute what you can afford.To talk to Maggie about financial coaching, schedule a free discovery call. For any one-time financial coaching sessions booked within the next 6 weeks, you can get a $50 discount.--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 DCFollow 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.

Freaking out about coronavirus, the economy, and impending quarantine? Me too. Here are some tips on what you should and shouldn't do with your money right now.1. Don’t Touch Your Investments2. Keep Your Emergency Fund Full3. Spend Less On Non-Essentials4. Take Stock Of What You Already Own5. Don’t Stock Up On Things You Don’t Actually Need6. Donate To A Local Food Pantry Or Soup Kitchen7. Support Your Local Small Businesses8. Take Advantage of Ebooks From The LibraryRelated Links:Some organizations that you can donate to:Meals On WheelsCapital Area Food BankYou can find your local food bank here. You can find your local food pantry here.How to keep yourself safe if you order takeout or delivery: https://www.cnet.com/how-to/food-delivery-during-the-coronavirus-pandemic-follow-these-3-rules-to-stay-safe/ --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 DCFollow 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.

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.

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.