Podcasts about millennial money expert

Do you save for retirement or pay off your student loans? That's the 64-million-dollar question I've been asked repeatedly. The good news is you might not have to choose between the two. Ever heard of the Secure Act 2.0? It was created in 2022, and some pretty cool features were rolled out in 2024, including the provision allowing employers to match retirement contributions in your 401K, 403b, etc., on your behalf when making student loan payments. OK, so what do you need to know? Robert Farrington, the creator of The College Investor and America's Millennial Money Expert and Student Loan Debt Expert, is back on the show to break down all the ins and outs. I In this episode, you'll learn How the Secure Act 2.0 can help you with your money goals (and retirement savings) The current status of student loan debt forgiveness How you can roll over money from a 529 college savings plan to a Roth IRA LINKS The College Investor website - https://thecollegeinvestor.com The College Investor 529 Guide - https://thecollegeinvestor.com/529-plan-guide/ LEARN MORE Thank you for being a part of our community! We couldn't do it without you.  Sign up for my signature course, Unf*ck Your Money https://www.etmlearn.com/unfck-your-money  Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter  Follow me on Instagram  Leave a 5-star Review here https://ratethispodcast.com/etm.  Subscribe to our YouTube Channel https://www.youtube.com/@EveryonesTalkinMoney SPONSORS Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don't wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it's the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Money Tales, our guest is Robert Farrington. When he was 16, Robert got a job at Target. As he headed off to college, he kept that job and continued to work his way up the store's leadership ladder. Robert decided to stick around after he graduated because the work was easy, fun and paid well as he ultimately became store manager. Meanwhile, on the side, he created an online platform to help college students. Life was good until things took a turn when Robert's family values clashed with his job's demands, requiring him to work weekends and holidays-- including every Black Friday! Missing out on time with his young children wasn't aligning with what mattered most to him. That's when Robert made the unexpected move to turn his side hustle, initially meant to stay just that, into his full-time gig. Robert is a Millennial Money Expert and Founder of The College Investor. He is on a mission to help millennials get out of student loan debt and start building wealth for their future. He also helps parents make smart choices about college financing options and navigating the complex world of paying for school.

For the final season of Martinis and Your Money, I'm focused on delivering you the best of the best. The best of what I've learned over the past nine years of podcasting, the best guests, the best topics, and so much more.  This month, I'm focused on an important subject for over 43 million Americans: student loan debt. Because of COVID-19, the federal government gave student loan borrowers a three-year reprieve on payments; however, this month, they are returning.  Joining me today is Robert Farrington, America's Millennial Money Expert and founder of the website The College Investor, to discuss what you need to know if you have student loans and also what parents of college-age children or soon-to-be college-aged children (like me) need to know to avoid student loans in their future.  For more information, visit the show notes https://www.martinisandyourmoney.com/show-notes/episode498-robert-farrington  

Financial Wisdom from The College Investor: Robert Farrington on Student Loans & Kids' Money Student loans have become a hot topic in recent years. As the cost of higher education continues to rise, more and more students are taking on debt to pursue their dreams. So, in order to ensure our children don't shoulder unnecessary financial burdens, it's crucial to explore alternative strategies. In this episode of How to Teach Your Kids About Money, Alec and Julie sit down with Robert Farrington, the founder and editor-in-chief of The College Investor, an online resource center focused on helping people manage student loan debt, increase their income, and start investing. Listen as Robert recounts his early fascination with earning money and navigating the labyrinth of student loans post-college. Robert introduces the concept of Net Present Value (NPV), emphasizing its importance in making informed decisions about college expenses. Robert shares his passion for educating young kids about finances, suggesting that conversations about money should begin as early as kindergarten. He describes his monthly meetings with his own children to discuss investments and financial habits, highlighting the importance of transparency. Robert discusses various tools and resources for teaching kids about money, stressing the significance of budgeting and planning ahead. He discusses online tools like Greenlight for unbanked individuals, as Alec reviews components of the How to Teach Your Kids About Money K-7 Starter Kit, a video-based course available on centsofresponsibility.com, which helps parents teach their children about money management habits. Robert shares insights on scholarships, grants, and the affordability of community college. He advises parents to have open discussions with their children about the cost of college and managing expectations. Julie and Alec also talk about their experiences teaching their kids about money, including the challenges they've faced with digital tools like Apple Pay and Venmo. They stress the need to choose financial tools that suit each child's preferences. Don't miss this episode as Robert Farrington shares invaluable insights on teaching kids about money and character, helping you raise financially responsible and ethically sound children. KEY POINTS: Robert's journey into personal finance and his mission to help people overcome student loan debt The importance of starting college-related conversations early in a child's life Scholarships and grants as a way to fund college education Choosing the right financial tools and apps for teaching kids about money The benefits of having a checking account for children The challenges of using certain payment apps and their limitations Encouraging responsible spending and budgeting habits in children The significance of letting children experience financial consequences, such as declined transactions Robert's preference for using traditional bank accounts for teaching kids about money Troubleshooting issues with Apple Pay and the role of banks in such cases Don't forget to rate, review, and subscribe to the How To Teach Your Kids About Money Podcast, by your friends at Cents of Responsibility. Please let us know if you enjoyed this episode or have any suggestions for future episodes. We'd love to hear from you! In the meantime, teach cents-ibly! Relevant Links: The College Investor How To Teach Your Kids About Money: K-7 Starter Kit ======================= In this episode: - Alec Lindenauer, COR's Chief Allowance Officer, Financial Planner and Certified Financial Education Instructor℠ - Julie Frans, COR's Chief Community Officer - Robert Farrington, Millennial Money Expert & Founder of The College Investor ======================= Guest Bio: Robert Farrington is America's Millennial Money Expert® and America's Student Loan Debt Expert™, and the founder of The College Investor, a personal finance site dedicated to helping millennials escape student loan debt to start investing and building wealth for the future. ======================= Want more resources to teach your child about money? Check ‘em out here:

Student loan payments are resuming after a three-year hiatus. Ever since news of the ending student loan payment pause, there have been rumblings on the internet: “I'm not paying my student loan anymore. I'm forgiving them myself.”  While most of these comments are made in jest, what would actually happen if you just… stopped paying your student loan debt?   We're joined by Robert Farrington, Millennial Money Expert and founder of The College Investor, to chat about the ramifications of neglecting to pay your student loans. We talk about the threat of wage garnishments, 20% collection fees, how this decision could ruin your financial life, and what your repayment options are. GENERATIONAL WEALTH SEGMENT: Building family wealth and happiness becomes a lot easier when you have a lot of time. What do our kids have a lot of? Time! On this week's Generational Wealth Segment, Clifton Corbin joins us to talk about financial literacy for children and young adults. SHOW RESOURCES: Sponsors + Partners + Deals GUEST BIO: Through his work at TheCollegeInvestor.com, Robert Farrington has emerged as one of the nation's leading student loan debt experts. He has also directly engaged with many consumer financing financial technology brands and loves to help companies innovate in the space. ROBERT FARRINGTON RESOURCES: Twitter/X Instagram YouTube TikTok Website CLIFTON CORBIN RESOURCES: Free Kids' Workbook Clifton Corbin books (affiliate) OTHER EPISODES YOU MIGHT LIKE: Pay for College Without Student Loans: 5 Ways Parents Can Help Their Kids Graduate Debt Free Anthony ONeal: Will Income-Based Repayment Help with my $200k of Student Loans? How We Paid Off $300,000 of Student Loans in 5 Years – with Josh Hastings MKM RESOURCES: Make My Kid a Millionaire Course: Want to make your kid a millionaire? Learn more about my course! MKM Coaching: Want 1-on-1 support with your family finance journey? Book a time with me today. YouTube: Subscribe for free to watch videos of these episodes and interviews. Instagram: Follow our IG channel. Voicemail: Leave your question or comments here. Merch Store: Check out our t-shirts, hoodies, and coffee mugs! SHOW INFORMATION:  Marriage Kids and Money is dedicated to helping young families build wealth and happiness. This award-winning platform helps couples and parents achieve financial independence and discover the true meaning of wealth.  To achieve these big goals, we answer questions and interview experts who uncover smart net worth building habits and tools that can help everyone find their own version of financial independence. Learn more at https://www.marriagekidsandmoney.com  HOST BIO:  Andy Hill is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness.  Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger's Personal Finance and NBC News. With millions of downloads and views, Andy's message of family financial empowerment has resonated with listeners, readers and viewers across the world.    When he's not "talking money", Andy enjoys being a soccer Dad, singing karaoke with his wife and watching Marvel movies. DISCLAIMER: This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS: Podcast Artwork: Liz Theresa Editor: Podcast Doctors Podcast Support: Weir Digital Marketing  Learn more about your ad choices. Visit megaphone.fm/adchoices

Teaching my kids about money wasn't easy for me.If you are listening in and want to support your tween or teen to learn about money - the value of a dollar, how to make and invest money, and to get a vision for how they can build wealth for their future, you will love this episode.Today my special guest is Robert Farrington, he is America's Millennial Money Expert® and America's Student Loan Debt Expert™. He is also the founder of The College Investor, which is an awesome website full of resources.I learned so much talking to Robert about empowering and equipping our kids with money. He is full of creative ideas and resources that are fun and will not only motivate your kids but also, if you're like me, you will feel inspired from listening to Robert too!Let's dive in! What you will learn:Is there a difference between Gen Z and Millennials and how they view money?How do you teach tweens and teens about money and starting to save?How would you recommend parents encourage teens to save rather than burn through all the money?What are some other tools to help parents teach their children about managing money?What are a few top tips for parents, tweens, and teens when paying for college and financial aid?What are some practical tips to get out of student loan debt? What are a few of the most popular side hustles to make money for teenagers or those in their 20s trying to pay off student loan debt?Where to find Robert:WebsitePodcastInstagramFacebookYouTubeTwitterSupport the showCheck out our Moms of Tweens and Teens website HERESign up for our Moms of Tweens and Teens newsletter HERE Find more encouragement, wisdom, and resources: Facebook: https://www.facebook.com/momsoftweensandteens/ Join our Community: https://www.facebook.com/groups/Momsoftweensandteens Find awesome resources on MOTTs University: https://www.mottsuniversity.com/ Instagram: https://www.instagram.com/momsoftweensandteens/ Sheryl also has an Inner Circle weekly Parenting Program with a community of like-minded moms, personal coaching, and tons of resources to equip and support you to love well, navigate the challenges and meet your tween and teen's unique needs during these pivotal years. Get on the waitlist to get all the details and to be the first to know when it opens! https://momsoftweensandteens.lpages.co/waiting-list-for-membe...

(Rewind Episode) Founder of My Fab Finance, Tonya Rapley, joins us on the podcast. Tonya is an internationally recognized speaker, financial educator, best selling author, and serial entrepreneur. Known as The Millennial Money Expert, she is the author of The Money Manual. Additionally, Tonya is the co-host of the award-winning series Going From Broke, produced by Ashton Kutcher. She has been featured in Forbes, Vogue, Essence, the Washington Post and has been seen on Good Morning America, The Today Show, Headline News and countless local media outlets.In this episode you'll learn:How Tonya transitioned from a 9-5 to full-time entrepreneurshipHow Tonya built a successful business and brandImportance of building your tribe to keep you accountableConnect with Tonya Rapley :Instagram: www.instagram.com/tonya.rapleyConnect with us:Instagram: @richbyintention Twitter: @richbyintention Check out our website: Richbyintention.com

With the cost of tuition and other expenses rising, having savings for college is important as it can help reduce the burden of student loan debt, provide financial security, and allow you to pursue higher education   By starting to save as early as possible, you can take advantage of the power of compound interest, where your savings can grow over time and provide you with significant benefits in the long run.   This is a subject Robert Farrington is an expert on and as a Millennial Money Expert and Student Loan Debt Expert,  he shared with us why it is necessary for parents and students to make better financial decisions when preparing for college. Mini Financial Planner. A digital tool that will help you get your dollars in order.   https://www.etsy.com/listing/1338925840/digital-minimalistic-financial-planner?click_key=6163e76a6da7b5ca4f3d9ed9097c622ada14eff7%3A1338925840&click_sum=069e009f&ref=shop_home_active_1    Master Being An Affiliate gives you what you need to earn money passively being an affiliate marketer.   https://millionairemindset01.gumroad.com/l/PDSRF    How To Start A Podcast E-Book.    https://www.etsy.com/listing/1344467520/how-to-start-a-podcast-e-book-planner    Connect with the host, Patrina Dixon   +Instagram https://www.instagram.com/itsmymoney_/    +Facebook https://www.facebook.com/profile.php?id=100013355082005    +Twitter https://twitter.com/itsmymoney_    +YouTube https://youtube.com/c/It%E2%80%99sMyMoneywithPatrinaDixon    +Pinterest https://pin.it/5x8rOTp    +Website http://www.itsmymoneyjournal.info/  Connect with guest Robert Farrington   Website https://thecollegeinvestor.com/    Instagram https://www.instagram.com/thecollegeinvestor/    Twitter https://twitter.com/CollegeInvestin    Facebook https://www.facebook.com/thecollegeinvestor

Looking for ideas on ways to make more money as a teen? Join us as we chat with Robert Farrington on the topic of Side Hustles for Teens. Robert has been running side hustles since he was young and made a significant income all through high school. He even used side hustles to help pay off his student loan debt and buy his first house. Robert is now a Millennial Money Expert and Founder of TheCollegeInvestor.com, which he launched in 2009 while finishing his MBA at the UC San Diego Rady School of Management after wanting to find other young adults who shared his passion for investing and personal finance. Through his work to help millennials get out of student loan debt and start building wealth for their future, Robert has emerged as one of the nation's leading student loan debt experts. The 2023 Side Hustlin' Student Scholarship https://thecollegeinvestor.com/18899/side-hustle-student-scholarship-opportunity/The College Investor Audio Show https://thecollegeinvestor.com/audio-show/

Today on the Dads with Daughters Podcast we bring you Scott Donnell. Scott Donnell is a father of three and a serial entrepreneur that has been working Robert Farrington, father and known as America's Millennial Money Expert® and America's Student Loato help kids better understand financial literacy. Today, I talk to Scott about fatherhood, but also about his new company GravyStack. Scott and others created GravyStack because kids are not learning enough about money before they leave the nest. As he explains, schools don't teach it, banks don't care about kids, and parents are crazy busy (or they may not know where to even start). This is why our country has a $1.57T student debt issue, and 76% of young adults fail basic financial literacy tests. Before GravyStack, Scott created Apex Leadership Co. to raise money for schools and teach leadership to 6,000,000 kids across America. He also helped to create My First Sale, which taught thousands of kids to launch their own small business, along with entrepreneurial skills like pricing, selling, profit, and more.  Kids learn better by doing, but kids won't do it unless it's fun (or we nag them). GravyStack uses the power of play to remove resistance and build empowered, self-motivated kids. Play is one of the most impactful ways kids can learn. That's why we've created a highly engaging educational game that your kids will want to play. GravyStack integrates learning into play to teach children valuable lessons about money while they have fun, which means you don't have to nag them to learn. Kids learn better when they're self-motivated rather than forced to learn. This is why allowance and other externally imposed systems do not work and lead to nagging, resentment, and unfulfilled promises. GravyStack is designed to give kids agency. Kids are able to earn their own money, set their own goals, and make choices about their finances. When kids are involved in the decision-making process, they are more likely to see things through to the end. GravyStack lets kids watch the money flow through their Money Machine into their Save, Spend, and Share Jars. Seeing the flow of money from beginning to end is what helps kids understand and manage it with confidence. The financial stability this skill gives kids is what allows them to grow up and create their most meaningful and fulfilled life. GravyStack was designed by subject matter experts, guided by child psychologists, and gamified by behavioral learning game experts who know the science behind FUN. With 10 exciting levels about saving, investing, and earning, the world of Windfall engages kids in play and immerses them in a compelling storyline, so they naturally retain more of the educational information. GravyStack will be launching very soon and you can stay connected to this here. If you've enjoyed today's episode of the Dads With Daughters podcast we invite you to check out the Fatherhood Insider. The Fatherhood Insider is the essential resource for any dad that wants to be the best dad that he can be. We know that no child comes with an instruction manual and most are figuring it out as they go along. The Fatherhood Insider is full of valuable resources and information that will up your game on fatherhood. Through our extensive course library, interactive forum, step-by-step roadmaps and more you will engage and learn with experts but more importantly with dads like you. So check it out today!

Today on the Dads with Daughters Podcast we bring you Robert Farrington, father and known as America's Millennial Money Expert® and America's Student Loan Debt Expert™. He is also the founder of The College Investor, which is the #1 resource for helping millennials get out of student loan debt and start building real wealth for their future. Today I talked to Robert about his experience as a father but also about what parents can do to help prepare their kids for college. If you've enjoyed today's episode of the Dads With Daughters podcast we invite you to check out the Fatherhood Insider. The Fatherhood Insider is the essential resource for any dad that wants to be the best dad that he can be. We know that no child comes with an instruction manual and most are figuring it out as they go along. The Fatherhood Insider is full of valuable resources and information that will up your game on fatherhood. Through our extensive course library, interactive forum, step-by-step roadmaps and more you will engage and learn with experts but more importantly with dads like you. So check it out today!

Does the looming recession have you ready to withdraw your money from the bank, dig a hole, and bury your money and head in the sand until someone gives the "all clear signal"? If so, you're not alone, but I NEED you to put down the shovel and tune into this episode of That Wasn't In My Textbook.Recessions and economic downturns are a part of our history; whether we like it or not, we're knee-deep into one. But before you go into full panic mode, I bet your history teacher never told you that the best time to get rich is during a recession. When the world goes low- we go high (#Michelle Obama's advice is always on point).Today's media is on a 24/7 rotation of financial doom and gloom, and the message reads... The recession is coming; you're all going to go broke!But is that true?...On this episode of That Wasn't In My Textbook, I'm interviewing financial planner Dominique Broadway, the founder of Finances Demystified. Dominique is an award-winning Millennial Personal Finance Expert. Her mission is to educate and assist you in reaching your financial goals.In this episode, you'll learn: what a recession ishow long it lasts,steps you can take TODAY to recession-proof your life. Dominique also shares how we use this time to capitalize on the opportunity to build additional income streams or businesses.Ready to learn how to weather any economic storm? Put down that boring textbook, grab your earbuds and get ready for another episode of That Wasn't In My Textbook. Don't forget to rate and review!Stay Connected: Visit our website. Follow the podcast on Instagram, Twitter, and Facebook and  feel free to donate.Learn more about Millennial Money Expert Dominique Broadway by visiting her Website , Instagram, or Twitter.To learn more about the podcast host Toya, visit ToyaFromHarlem.com. Connect with Toya on Instagram, Twitter, or buy her a coffee.Episode Highlights:[00:00:16]The history of recessions and the millionaires made during these tough economic times. Are we heading toward a recession, or are we already in one? Tune in as I give you a brief history of recessions.[00:16:56] Do you think burying your head and your money under a mattress is the answer to coming out on top? If so, think again. Dominique shares what to do with your money to grow, build and protect your wealth. [00:18:06] What are the tell-tell signs of a recession, and most importantly, what can we do to recession-proof our life? Dominique shares tips and strategies we can apply today to prepare for this recession and the next.[00:25:28] Like everything else in life, economic downturns have a flow; here is how to identify the three stages of a recession, the signs that it's over, and what you SHOULD be focusing on NO matter what the economist says.[00:26:23] Have you ever dreamed of launching your empire or making a few extra dollars? Now may be the best time to start. Dominique shares how a recession can be an opportunity to create additional income streams or even start a business.[00:29:29] Lifestyles of the rich and famous, Listen as I share a few from rags to riches stories from past recessions. Will you be the next one?[00:33:26] How to go from fear to faith during this financially trying time. Dominique Broadway provides tips and resources on maintaining a positive outlook while preparing for the worse.[00:37:15] If Dominique could write a Chapter in our textbooks, what would our good sis tell us to demystify our finances? If you're anxious about an impending recession, or even if you're #unbothered, this episode has tips and resources for you.About Dominique Broadway: Dominique Broadway is a provocative financial literacy trailblazer on a mission to make wealth attainable for anyone. Her in-demand classes and accessible social media profiles have given Dominique a reputation as a personal finance expert who is engaging and makes complex financial topics, like investing, trendy and easy-to-understand. As an award-winning personal finance expert, speaker, and founder of Finances Demystified, she has a strong passion for working with young professionals, entrepreneurs, and people of all ages to bring their Dreams2Reality. Dominique's edgy and engaging financial advice has been highlighted on TIME, NextAdvisor, Yahoo!, USA Today, Refinery 29, Baltimore Sun, Black Enterprise, Marketwatch.com, Ebony Magazine, SmartCEO, U.S. News, and other media outlets. She was recently featured in Forbes and Business Insider.Research by: drommamedia.com | Edited by: Keausha BradleyResources:1. https://www.forbes.com/advisor/investing/what-is-a-recession/2. https://en.wikipedia.org/wiki/List_of_recessions_in_the_United_States3. https://www.economist.com/finance-and-economics/2008/12/30/diagnosing-depression4. https://www.everycrsreport.com/reports/R40052.html5. https://www.cnbc.com/2011/07/21/recession-cnbc-explains.html6. https://www.investopedia.com/terms/f/fiscalpolicy.asp7. https://hbr.org/2019/05/how-to-survive-a-recession-and-thrive-afterward8. https://en.wikipedia.org/wiki/Fiscal_policy

When it comes to saving and choosing a college with our kids, there are several variables that can seem overwhelming. Many of us don't know where to start, and our kids are looking to us to guide them and lead them through this transition. Today, my guest shares many insights on choosing the right college, ways to save for tuition early and how we can be armed with the best information possible to make the right decisions. Robert Farrington is America's Millennial Money Expert® and America's Student Loan Debt Expert™. He is also the founder of The College Investor, an organization focused on helping millennials get out of student loan debt and start building real wealth for their future.  This project was born out of Robert's own experience, it all started with a blog and he realized the important role of student loan debt. This led him to write his first eBook, Student Loan Debt: Getting in Smart, Getting out Painlessly.  Through years of experience, he has been able to help others, thanks to the conclusion that developing multiple streams of income - investing, the side hustling, and more - are the key to building real wealth.   Show Notes www.thedadedge.com/friday77

Tonya Rapley is an internationally recognized speaker, best-selling author, and serial entrepreneur. Known as The Millennial Money Expert, she is the founder of My Fab Finance and author of The Money Manual. Tonya is also a co-host of the award-winning series Going From Broke, executive produced by Ashton Kutcher. Throughout her six years in business, Tonya has worked with countless Fortune 500 brands and built a million-dollar financial education business that has impacted the lives of thousands across the world.  Tune into this episode where Kimberly and Tonya talk about finances, life, love, and entrepreneurship.   Have career and leadership development questions? Email Kimberly at podcast@manifestyourself.com Learn more about Kimberly Brown and download a free career strategy template at kimberlybonline.com  Read the book “Next Move, Best Move: Transitioning Into a Career You'll Love” at nextmovebestmovebook.com Follow Kimberly on social media: IG | @kimberlybonline - instagram.com/kimberlybonline FB | facebook.com/kimberlybonline  Twitter | twitter.com/kimberlybonline LinkedIn | linkedin.com/in/kimberlybonline

When Jessica Moorhouse graduated in the midst of a recession armed with a BFA in Film Studies, she realized she was in dire need of money management skills. Fast-forward 13 years, and today she's an accredited financial counsellor, recognized millennial money expert and host of the hugely popular More Money Podcast. She sits down with Tamara to share her essential tips for money health, and discuss how her journey from arts kid to personal finance guru shows how anyone can achieve financial literacy.

Are you planning on buying a house in 2022? Is it a New Year's Resolution? Here's everything you need to know about buying a home from people that did it in 2021.  Jessica Moorhouse is an award winning blogger, podcaster, and an accredited financial counsellor in Canada. Ratehub's Director of Insurance, Matt Hands, sat down with Jessica to discuss the home buying process. Jessica sold her townhouse and bought a new house in Toronto this year in the wild and crazy market. Matt decided to leave Toronto after buying his house in London, Ontario.  The two discuss the stress of buying a house, mistakes they made, how to save, how to find the best mortgage rates, and why working with professionals is critical to your home buying success.    [0:00] Intro [0:36] A brief history of Jessica Moorhouse (from student debt to blogging to home buying)   [2:30] MONEY MISTAKE OR MAKEUP   [6:57] We're supposed to buy a house, right? We're preconditioned to buying one, but why? Why do we buy homes? Toronto vs. Vancouver. Jessica talks about simply buying land because houses are too expensive, but buys a townhouse in 2016. You don't have to buy a house.  [13:15] On housing affordability and choosing your lifestyle [13:43] Alterna Savings survey - scariest part of home ownership was saving up enough because goal posts keep moving.  [15:12] If you decided to stay a renter, what are you missing out on? Rent vs. buy  [17:50] Matt talked himself out of a property. What do we do about a non-buyer's regret? Maybe there are reasons you didn't buy the place. Think beyond just the house.  [19:55] How do you save for a house? How much should go towards buying a house? What questions do you need to ask regarding high-ratio mortgages, insurance, registered accounts, etc.  [23:04] Did you tap into the first time home buyer's plan for your first home purchase? A loan you have to pay back.  [24:35] How can the government help first time home buyers? Affordability is the problem, not incentives. Housing prices just continue to go crazy.  [25:55] Fixed vs. variable rates - which one to choose? [33:45] How did you find the best mortgage rate? Online? Friends? Banks? [35:00] Why you should interview your financial representatives, agents, and brokers about mortgages and insurance [37:15] What are the hidden costs of home buying? Realtor fees, property taxes, land transfer taxes, and other closing costs.  [41:30] Thoughts and considerations about buying a house in the city vs. out of the city. Businesses must adapt to changing work culture.  [44:23] Let's talk about bidding wars in your home buying journey. Emotional decisions.  [46:51] Bully offers and the need to be aggressive when bidding [48:00] On the value of a great realtor [49:31] Blind bidding in Toronto. How much do you actually want for the house? Houses being underpriced to drive prices up.  [51:00] The importance of making a list of everything you want in a home, including what you want in your future life.  [53:36] What is going to happen to the housing market? Will prices continue to rise? Will it go down? Will the bubble burst?  [54:42] I could've bought a house but glad I didn't.  [55:12] Differences in generations on housing vs. stock market.  [57:25] Posted rates vs. finding the best mortgage rate for you   [58:31] RAPID FIRE QUESTIONS What's in your wallet?  A book everyone should read?  What was your first job and what did you learn from it? What is a commonly held belief about your industry or space that you passionately disagree with?  If you had one tweet that everyone in the world would read, what would it say?   What's your number (to walk away from it all and live financially independent, never worry about money again?)  What do you want to be known for when you die?  Where can people find you if they have more questions?    [1:08:07] OUTRO

Sometimes we're set up for things that we never set out for. Tonya Rapley would have never dreamed of becoming a leading financial expert, but she knew one thing for sure, she was going to become a “world changer”. Today, this mompreneur, best selling author and the creator of My Fab Finance is helping others manifest the face of wealth. Episode 38 of ITV is about to set you up to get your mind right so you can get your money right!Guest IG: https://instagram.com/tonya.rapleyHost IG: https://www.instagram.com/iamashcash/ For Ash Cash Merch: https://shop.mindrightmoney.com/collections/mindright-money-apparel?page=1Show IG: https://www.instagram.com/insidethevault

Founder of My Fab Finance, Tonya Rapley, joins us on the podcast. Tonya is an internationally recognized speaker, financial educator, best selling author, and serial entrepreneur. Known as The Millennial Money Expert, she is the author of The Money Manual. Additionally, Tonya is the co-host of the award-winning series Going From Broke, produced by Ashton Kutcher. She has been featured in Forbes, Vogue, Essence, the Washington Post and has been seen on Good Morning America, The Today Show, Headline News and countless local media outlets. In this episode you'll learn: How Tonya transitioned from a 9-5 to full-time entrepreneurship How Tonya built a successful business and brand Importance of building your tribe to keep you accountable Connect with Tonya Rapley : Instagram: www.instagram.com/tonya.rapley Connect with us: Instagram: @richbyintention Twitter: @richbyintention Get our free e-guide, Managing Money with Intention, click here

Robert Farrington is America's Millennial Money Expert® and America's Student Loan Debt Expert™. He is also the founder and editor-in-chief of The College Investor, a blog about personal finance that gets around 3 million monthly visits. He is an expert on personal finance, student loans, higher education, and online marketing. Additionally, He is an angel investor and startup advisor, with a focus on consumer-facing FinTech and EdTech companies. Today we're going to be discussing if it's worth going to college or getting an MBA, how to really measure the ROI of your education, student loans, and the future of learning. 

Episode 17 features none other than Millennial Money Expert, Tonya Rapley. Tonya is the founder of My Fab Finance & Muhturnl, the owner of ClubLoofah, and the co-host of "GoingFromBroke". Tonya details transitioning from her day job to full-time entrepreneurship, building a family life while building businesses, understanding the numbers in your business, and much more. Tune in and make sure to like, comment, and subscribe to the InventYou Podcast Follow Brandon & InventYou on IG: @InvestorByDesign @InventYou This episode is sponsored by InventYou Consulting. We're focused on helping entrepreneurs launch, grow and fund their dream companies. Click here to schedule a FREE consultation for business plans and grant writing https://calendly.com/inventyou/30

Robert Farrington is America’s Millennial Money Expert® and America’s Student Loan Debt Expert™. He is also the founder of The College Investor, which is the #1 resource for helping millennials get out of student loan debt and start building real wealth for their future.  Discussion Topics·         Student Loans·         Choosing a School·         Debt·         Investing  Philip Sharp provides the essay segment discussing personal accountability, debt, and hard work. 

Financial independence is often discussed in college but never blueprinted. In today's episode, I chat with Robert Farrington, who is a Millennial Money Expert and Founder of The College Investor. He is on a mission to help millennials get out of student loan debt and start building wealth for their future. Robert is the quintessential master of his money. In his early 30s, he’s showing us all how it’s done. In this episode, you’ll hear Robert share how he’s managed to pay off debt and make huge strides with his investing, the exact tools he uses to stay on top of his money and manage his investments, his savings goals, and his interesting strategy for buying his next car.

One year into the COVID-19 crisis, women are more financially stressed than ever.    To talk about practical ways to take control of your finances, manage your money anxiety, and make smart money moves during these trying and stressful times, I’m thrilled to be joined by Tonya Rapley, a.k.a “The Millennial Money Expert” and founder of My Fab Finance, on this episode of WorkParty. Tonya has completely changed the game, turning the once stuffy financial industry into a fun, familiar, and, dare I say, cool space. She’s been named the “New Face of Wealth Building” by Black Enterprise magazine, lauded as a modern “history maker,” and honored on Create & Cultivate’s CC100 list. Needless to say, I’m so excited to talk with Tanya about all things finance! Join the party on social @workparty and stay in-the-know at workparty.com! Visit www.Missoma.com and enter promo code WORKPARTY15 for 15% off your order. Exclusions include fine and travel cases. Visit www.FunctionOfBeauty.com/party and get 20% off your order. Visit www.publicgoods.com/PARTY or use code PARTY at checkout to receive $15 off your first order. Visit www.TheHydrojug.com to customize your jug and use my code party for 10% off your purchase. Produced by Dear Media

Robert Farrington is a Millennial Money Expert and Founder of TheCollegeInvestor.com, which he launched in 2009 while finishing his MBA at the UC San Diego Rady School of Management after wanting to find other young adults who shared his passion for investing and personal finance. Through his work to help millennials get out of student loan debt and start building wealth for their future... Source

In today’s episode I interview Robert Farrington, personal finance expert who focuses on helping millennials get out of debt and gain financial independence. We talk about where younger people are getting all their information these days, which is typically online on sites and apps such as Tik Tok. There are many different ways to plan and budget out there that people can adopt, but the main thing people need to do is find the budget and tracker that is going to work best for them. We discuss the importance of investing and getting into it when you’re young, and then we go into side hustling and the type of revenue that can bring in for you in addition to your job. Where Robert started 1:46Where to find The College Investor 8:00What you should do if now is not the best time 14:56Robert’s side hustle 23:55“I get it, you can have a lot of social arguments. Maybe people should get paid more, maybe this and that, and the other thing. But at the end of the day you gotta take care of yourself and you gotta make choices that impact you and your life in the here and now, and earning more money is a game changer for your own personal life situation.” 17:22Thecollegeinvestor.comReach Out To Keith, Get Help and Resources: https://dincpie.com/

In this episode, Robert Farrington and I discuss essential principles that help business owners get out of debt. If you’re struggling to pay off your debt, organize your spending, or plan your finances in this time of worldwide crisis, tune in now! In this episode, you'll discover: What is the first step people must take to pay off debt?How to assess what's working and what's not?What is the best way to make yourself accountable when starting to organize your finances? About Us Robert Farrington is an expert in investing and personal finance planning, whose accomplishments include: Recognized as America’s Millennial Money Expert® and America’s Student Loan Debt Expert™.Founder of The College Investor, which is the #1 resource for helping millennials get out of student loan debt and start building real wealth for their future. He’s been on this mission since 2009.Helps people (millennials and other new investors) learn about investing and earning your way out of debt--not just being frugal and making spending sacrifices, but actually getting a side hustle (or more!) going to add income they can use for investment and debt reduction.He’s also built a business out of helping others with their finances. I know how to build a widespread audience through blogging, podcasting, and social media and I coach others More Information Learn more about how you can improve your results with investing and personal finance: Website - https://thecollegeinvestor.com/LinkedIn - https://www.linkedin.com/in/robertfarringtonmba/ Twitter - https://twitter.com/CollegeInvestin Thanks for Tuning In! Thanks so much for being with us this week. Have some feedback you'd like to share? Please leave a note in the comments section below! If you enjoyed this episode on getting out of debt and organizing your finances, please share it with your friends by using the social media buttons you see at the bottom of the post. Don't forget to subscribe to the show on iTunes to get automatic episode updates for our "Yeukai Business Show !" And, finally, please take a minute to leave us an honest review and rating on iTunes. They really help us out when it comes to the ranking of the show and I make it a point to read every single one of the reviews we get. Please leave a review HERE: https://podcasts.apple.com/gb/podcast/yeukai-business-show/id1231475990 Thanks for listening!

In this episode I chat with Michela from Break Your Budget, and we discuss all things finance. We speak about why talking about money is so taboo, small tricks to get you on track to save, and are we really spending our downpayment money on avocado toast? Enjoy!

Back at the start of quarantine, Alex & Jenny hosted "Slay at Home: A Virtual Summit." Since we are nearing the end of the 2020, ZFMB sprinkled a little holiday magic to these episodes and present to you SLEIGH AT HOME. These series of episodes will enlighten and inspire you with the wisdom and expertise of our magical guests! Our first guest is Millennial Money Expert Katelyn Magnuson!

Jessica Moorhouse is a millennial money expert, Accredited Financial Counsellor Canada®, speaker, award-winning personal finance blogger and host of the Mo' Money Podcast. Aside from being a regular guest on CTV's Mind the Gap, she is also frequently featured in major publications like The Globe and Mail, Yahoo Finance, MarketWatch, Huffington Post, Metro News and Flare. Jessica is also the founder of the Millennial Money Meetup®, a financial literacy event for young adults in Canada.In this episode, Jessica takes us through her journey from being a broke student to becoming a Financial expert. She shares a lot of vital information around money, investments, budgeting best-practices and risk management, so you can achieve your financial goals. She also talks about how taking care of your finance is financial selfcare.If this episode resonates with you, remember to subscribe, share and give a 5-star rating! Jessica's book recommendation:“Millionaire Teacher: The Nine Rules of Wealth You should have learned in School” by Andrew Hallam“If you need to cry go outside: And other Things Your Mother Never Told You” by Kelly CutroneFind Jessica online:Website: https://jessicamoorhouse.com/Podcast: https://jessicamoorhouse.com/podcast/IG: https://www.instagram.com/jessicaimoorhouse/FB: https://www.facebook.com/jessicaimoorhouse/

This episode we start with a Bachelorette commentary session which is mostly just about claiming a favorite contestant to hit up on IG. Then, we have a nice chat with The Millennial Money Expert and the host of the Mo Money Podcast, Jessica Moorhouse! She discusses how getting started with your financial plans is not as intimidating as one might think. No more scarcity mindset- just baby steps that make sense for your goals and patience...must have patience.  Jessica enters the episode at 26:55. Show her some love: @jessicaimoorhouse and @MoMoneyPodcast on Instagram.  jessicamoorhouse.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Welcome to Episode 241 of the Yeukai Business Show. In this episode, Robert Farrington and I discuss essential principles that help business owners get out of debt. If you’re struggling to pay off your debt, organize your spending, or plan your finances in this time of worldwide crisis, tune in now! In this episode, you'll discover: What is the first step people must take to pay off debt?How to assess what's working and what's not?What is the best way to make yourself accountable when starting to organize your finances? About Us Robert Farrington is an expert in investing and personal finance planning, whose accomplishments include: Recognized as America’s Millennial Money Expert® and America’s Student Loan Debt Expert™. Founder of The College Investor, which is the #1 resource for helping millennials get out of student loan debt and start building real wealth for their future. He’s been on this mission since 2009.Helps people (millennials and other new investors) learn about investing and earning your way out of debt--not just being frugal and making spending sacrifices, but actually getting a side hustle (or more!) going to add income they can use for investment and debt reduction.He’s also built a business out of helping others with their finances. I know how to build a widespread audience through blogging, podcasting, and social media and I coach others More Information Learn more about how you can improve your results with investing and personal finance: Website - https://thecollegeinvestor.com/ LinkedIn - https://www.linkedin.com/in/robertfarringtonmba/ Twitter - https://twitter.com/CollegeInvestin Thanks for Tuning In! Thanks so much for being with us this week. Have some feedback you'd like to share? Please leave a note in the comments section below! If you enjoyed this episode on getting out of debt and organizing your finances, please share it with your friends by using the social media buttons you see at the bottom of the post. Don't forget to subscribe to the show on iTunes to get automatic episode updates for our "Yeukai Business Show !" And, finally, please take a minute to leave us an honest review and rating on iTunes. They really help us out when it comes to the ranking of the show and I make it a point to read every single one of the reviews we get. Please leave a review HERE: https://podcasts.apple.com/gb/podcast/yeukai-business-show/id1231475990 Thanks for listening!

Imagine being stuck with over $44,000 of debt. Then you stumble on a side hustle that allows you to earn an extra $3k a month to pay off that debt in a short amount of time. Today we are going to talk to someone who did just that. It has been a while since I have interviewed anyone for a podcast. Today I will be talking with Robert Farrington. Robert is with the College Investor - he is known as the Millennial Money Expert.

Welcome to the Break Your Budget Podcast with your host, Michela from Break Your Budget! Michela is a Millennial Money Expert bringing you practical personal finance tips to live your best life. Tune in every Wednesday for a new episode. Follow Michela on Instagram: https://www.instagram.com/breakyourbudget/

Robert Farrington is America’s Millennial Money Expert® and America’s Student Loan Debt Expert™. Robert is the founder of The College Investor, which is the #1 resource for helping millennials get out of student loan debt and start building real wealth for their future. The College Investor is designed to be the #1 tool to help young adults get out of student loan debt, learn how to earn more money, understand how to start investing, all so you can build real wealth. Robert has a passion for investing and all things related to personal finance. Honestly, when he was about 13, he wanted to do my own taxes. Yes, taxes. Throughout his teens, he focused his attention on ways to make money. He sold stuff on eBay, and took his earnings and saved and invested. He made more money than he lost, and he was hooked. Once Robert got to college, he soon realized that most people were oblivious to investing and personal finance. However, there was a small group that really found it interesting, but they weren’t quite my style. This group was investing and doing some crazy stuff (penny stocks, etc.) and it didn’t really suit me. So, he went my own direction with a mix of common sense personal finance and investing ideas. It turns out, when he went to graduate school, this is what most of my friends were looking for. Even though this was a class of MBA students, many people were unaware of the basics of personal finance and investing. He ended up helping many of his peers, and have since been helping people here. Discover more about Robert Farrington and The College Investor at https://www.thecollegeinvestor.com For a complimentary copy of The Millionaire Choice: Millionaire or Not. You Can Choose. and the Creating Millionaire Families eBook, visit themillionairechoice.com.See omnystudio.com/listener for privacy information.

Robert Farrington is America's millennial money expert, founder of The College Investor and Loan Buddy. He did his own taxes from his own income at an early age of 13 years old. He has been on a mission to help Millennials and Gen Z’ers get out of student loan debt and start building real wealth for their future. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/genzgreen/support

In this episode, the dreaded questions of 'paying for college' arises. But have no fear. Today's interview with Robert Farrington, America's Millennial Money Expert and America's student loan's expert, will shed light on this topic.Robert is also the founder of the College Investor, aimed at helping millennials get out of debt and start building real wealth in their future. Learn all about how to pay for college and the best order of operations!p.s. This episode is recommended not only for the teens but also for their parents!!The College Investor: https://thecollegeinvestor.com/Support the show (https://www.patreon.com/whyfimatters)

About Shannah Game Shannah Compton Game is an award-winning Certified Financial Planner with an MBA, a leading Millennial Money Expert, creator of the top-rated Millennial Money Podcast with over 12 million downloads, CEO of Hello, It’s Me and the creator... READ MORE The post Uplevel your life with better financial goals | Shannah Compton Game, Millennial Money Podcast Host appeared first on .

Debt, the cost of parenting and the truth about making more money. I spoke with Millennial Money Expert, Robert Farrington about all the things we need to know about money at different stages of our lives.  This interview was recorded during the COVID-19 pandemic and Robert gave some practical advice about how we can still conquer debt and make money during a crisis.  Robert shares his own story with debt and how long it took him to access the debt-free life he now enjoys. He also reveals the most surprising cost of parenting. At the end he gives us some advice on how to make more money right now.  I left this interview feeling richer, hope it has the same effect on you. Listen, comment, share with a friend and subscribe!   

Build real wealth. Robert Farrington is the Founder of The College Investor (https://thecollegeinvestor.com/) . Robert Farrington is America’s Millennial Money Expert® and America’s Student Loan Debt Expert™. The College Investor is the #1 resource for helping millennials get out of student loan debt and start building real wealth for their future.

Robert Farrington is a Millennial Money Expert and Founder of TheCollegeInvestor.com. He is on a mission to help millennials get out of student loan debt and start building wealth for their future. He also helps parents make smart choices about college financing options and navigating the complex world of paying for school. Through his work at TheCollegeInvestor.com, Robert Farrington has emerged as one of the nation's leading student loan debt experts.​ Show Transcription: Episode 26 Reducing Student Loan Debt with Robert Farrington.mp3   [00:00:00] And so that's really what we've been talking about for the last decade, is how you can start building wealth and investing early while conquering your seed loans and getting out of debt at the same time.   [00:00:09] Welcome to the Real Estate Marathon podcast, your guide in the Race to Financial Freedom. The Real Estate Investing in Sound Financial Practices. This podcast is for anyone interested in learning more about real estate, investing, personal finances and a new take on traditional retirement. Now here are your host, Larry B0 and Mike Moe.   [00:00:34] What's going on, everybody? Welcome to the Real Estate Marathon podcast, your guide on the race to financial freedom through real estate investing in sound financial practices.   [00:00:43] My name is Mike Moe, one of the hosts the show joined today with my partner in crime, the credit score king. Mr Fiero, What's up, man?   [00:00:51] You know, Mike, I'm never going to get tired. You call me the credit score king. That's just phenomenal. I'm actually going to have that put out my business cards. I think.   [00:00:59] Heck, yeah. You should win. I'm going to. But now doing well tonight. Doing well tonight.   [00:01:03] Very excited about the interview that we had earlier in the week that we're getting rated a show, everybody.   [00:01:09] Yes. And I am pumped about this one as well as we were discussing before we hit that record button. This is a subject that is near and dear to my heart and a lot of people can relate to. And it's student loans and student debt and kind of having to dig your way out of that that that hole that a lot of people find themselves and notice.   [00:01:30] And will the student loan the amount of school loans in the country today is turned into epidemic proportions. I mean, you've got got kids coming out of college this year in more debt than I think they've ever seen in previous years. So that's just one of those things that that this guest came on. The podcast is going to try and help you figure out and get a handle on.   [00:01:53] Yeah. For sure, man.   [00:01:54] And honestly, it's a it's a crime that we you know, the kids nowadays, they're 18, 19 years old, signing for six figures of debt. They don't even know what that means.   [00:02:02] So it's you know, we got to do as much as we can to give them as many tools as possible to get themselves out of this. Essentially 17 loans of six figures plus with with no collateral to it other than the ability to make money in the future. Right. So, yeah, I mean, it's it's it's crazy out there. So hopefully this will help people maybe assess their financial situation a little bit as it comes in student loans and maybe get out of it a little bit quicker.   [00:02:27] Absolutely. Absolutely. Well, I've got, though, the warm up cued up here. And you know what? The warm up we're doing today is student loan consolidation. And Mike, what student loan consolidation is it? It's the process through which you take out a new loan, which is then used to pay off all your other existing student loans instead of having multiple loans and multiple loan payments. You have only one. You can consolidate all federal student loans and most private student loans into one more.   [00:02:56] Yeah. Yep. So like Robert said on the show, like when you have six figures and student loan debt, you don't have just one loan.   [00:03:02] You typically have eight, nine, 10 or 11 different, you know, different loan providers who have give you this money over the course of that year. Your education. Right. So would that amounts to is a lot of times that's 7, 8, 9, 10 different payments for, you know, a certain amount per month at different interest rates. So that consolidation allows you to scrap all of that and get it into one payment with one interest rate. So one, it's easier to handle it, too. Typically, loans lowers your your monthly payment as well. So definitely something to look into, especially if you get so many when somebody like you.   [00:03:35] And if you're doing a four year degree, you generally have multiple loans. So you want to shoot it all under one umbrella.   [00:03:41] Well, and so like you said, you want to reduce your student loan payment and you want to consolidate it all into just one payment. That's one of the steps. And Robert talks about many other steps that you can use to get a handle on on your student loan debt.   [00:03:55] Yes, sir. All right. Anything else?   [00:03:58] No. Let's jump into the Robert Ferrington interview and and we'll see you guys on the other side.   [00:04:05] All right. Robert Ferrington, welcome to the Real Estate Marathon podcast, man. How you doing? I'm great. Thanks for having me, guys.   [00:04:12] Oh, thank you for coming on and sharing your knowledge with everybody. That's. This is great show. Thank you.   [00:04:17] I mean, I definitely got to tell you, I'm super pumped about this one. This is a really important topic near and dear to my heart, so I can't wait to get into it. You might start by telling the audience a little bit about yourselves.   [00:04:29] Yeah. So I am the founder of the college investor and we talk all about getting out of student loan debt, starting to invest in building wealth.   [00:04:37] And I've been helping people get a student loan debt and navigate the complex world of student loans for over a decade now. And you know, as much as you hear about it in the media and everything else, like, I mean, it's so complex and there's no one size fits all for anybody. And, you know, the more you go down the rabbit hole, the harder it gets to figure out which way's out. It's kind of crazy. So, yeah, that's kind of my story and help people online for a while now.   [00:05:02] Sounds nice. What prompted you to to start the college investor? Was that they were you in a lot of student debt? Did you see the way it was going? Yes.   [00:05:13] So I started in college because I wanted to talk to people about investing. Right. Like, that's a lot funner, the talking about getting out of debt.   [00:05:20] So I want to talk about how to make money and investing in the stock market and even a little bit investing in real estate. But yes, I did have student loan debt. I graduate with over forty two thousand dollars in student loan debt. And my sight just kind of started with like nobody reading it until I wrote about my struggle with my loans and my loan servicer. And that was like one of my first articles that kind of went viral. And I talked about how my loan servicer was applying my payments incorrectly. And I had to go battle with customer service and everything, you know, super annoying. I wrote this whole thing and oh, my gosh, all these people were like, me, too. And I'm struggling with this, too. And, you know, I heard the best piece of advice was like, dude, we love all the stuff you're talking about with investing, but we're not there yet. We have all this loan debt. We're trying to figure this out. Like, how can we do both? And so that's really what we've been talking about for the last decade, is how you can start building wealth and investing early while conquer you see loans getting out of debt at the same time.   [00:06:18] Yeah, those student loan companies don't have a tendency to listen to the little guy, do they? It's like David and Goliath situation. So totally.   [00:06:25] I mean, it's just it's so complex, convoluted.   [00:06:27] You're talking to a call center, right, with just some, you know, $12 an hour person that really doesn't care about you or your financial needs. You know, like if you don't do it yourself, like nobody's gonna care about you except for yourself, right?   [00:06:40] Absolutely. Nice. So I got to imagine there's there's probably a couple different ways to look at this. You know, you got the college grad who is in a ton of debt.   [00:06:49] You got the person just going into college who we might build, educate a little bit on how to, you know, leave without a ton of debt. But maybe if we can start with, you know, people who have maybe graduated recently and have a ton of student loan debt, they're looking at maybe this six figure plus pile of this problem that that they tackle.   [00:07:08] Where do they start? So the number one thing I recommend for anyone is get organized. So I can't tell you the I would tell you actually ninety nine percent of everybody I speak to that is struggling with their student loan debt also can't tell you how much to loan debt they have.   [00:07:22] They can't tell you how many loans they have. They can't tell you what your interest rate is. They can't tell you what individual payments are on each loan. Because when you're talking to six figures to loan debt, you don't have one loan. Right. You have probably six to 10 different loans with different interest rates, maybe even different types of loans. And so it really starts with just getting organized, like whatever that style is for you. Like go on to your loan servicers Web site, find your credit report, see what debt you owe. Put it on a list. Put it in some software. Right. There's a lot of free software options out there. Print a notebook like I don't know what your style is for, you know, getting organized, but you've got to get organized. You got a list out your loans. You've got to make sure that your loan servicers have your correct address on file. You're not missing notices in payments. Right. Is none of us live in the same place? We went to freshman year of college.   [00:08:11] Right. Like we probably lived somewhere freshman year and took out loans. We lived somewhere sophomore year. Junior senior. Heck, we might have used our parents address for some of that stuff. Right. And so, like, if your loan servicer doesn't even have your info, you could totally be in default and not even know I'd been missing these letters. And then like getting yourself into a world of financial hurts. And so that's where it starts. Like we can even have a conversation about what's the best course of action is if you don't know what you got listed out and then talk about the rest of your budget to like what income is coming in. What are your job prospects like? What's all that look like? Then we can formulate a plan.   [00:08:48] I see. That's so true. And I think a lot of people just take the mentality of, well, I owe them money. They'll find me. Right. But it's all they have to do is send to whatever assets they have on file. And if that's wrong. Well, you still go to collections either way and then you've going to deal with a credit score, which Larry loved so much, you know, and if it goes in the tank.   [00:09:04] It's a fine line between 800 and 300.   [00:09:07] Even that like so it's we're recording this a tax time, right. And I think a lot of people don't realize that. You know, the I know the collateral of a student loan is your income.   [00:09:17] Right. So like you get a how do you buy it? You buy a home, right. The collateral of the mortgage is the home. You don't pay your mortgage. Well, they just, you know, foreclose on your house. Right. Well, the collateral of your student loan is your ability to earn money. And if you don't pay your student loan, they take your earnings. And the government has this crazy administrative power where if you get a government payment, they don't even have to go to court or do anything. They could just take all your government payments. So it's tax season. And if you're in default on your loans, they will just take your tax return.   [00:09:48] That's it. There's no like ands or buts about it. And so I see this whole world of her people are saying like, oh, I never heard. I never heard what's like one you knew you had two loans to. Is your address updated on file? It's like all they had to do was send a letter to whatever address they had on your student loans. This was probably months ago or even years ago. And now they're just taking your tax refund. They're going to take your garnish, your wages. They're going to take your Social Security. If you kick the can down that far right leg, you've got to realize that that is the problem. And that's the collateral. And then as you make these decisions, you can figure out which way to navigate it.   [00:10:21] And you have ignorance is not bliss when it comes to your student loans.   [00:10:25] No, no, no. One of the questions that we have is when a student can't pay their qoute, loan payments, what what did they do in that instance? I mean, obviously, they don't want to ignore it. What do they do, this process? Yeah.   [00:10:38] And so that's the scary part, right? Like, what if I can't pay my debt? Or even more so when you get that first bill after you graduate.   [00:10:45] What happens is, is you default into what is known as the 10 year standard repayment plan. And that payment plan is actually the highest monthly payment that you will ever face with your student loans. If you can pay it, great. But if you can't pay it, don't ignore it. That's actually like the highest monthly payment. There's a lot of other options out there. But if you don't ask, if you don't call, you don't do your research. You know, that's where you get in trouble. So for most people that can't afford their loans. Income driven repayment plans are the key. These are amazing plans that cap your monthly payment at either 10 percent or 15 percent of your monthly discretionary income. And what that means is if you really have zero income, once you say that you'd never got a job like the job market was struggling for what you want to do if you have zero income while you're still loan, payment is also zero. And if you're low income and maybe you have some children, your income, your monthly payment could also be zero. Or it could be very low. We're talking, you know, ten eighty dollars like something that's cap to your income. So if you don't make a lot of money, these repayment plans can help you stay current on your loan debt and they can also keep you out of default. And they all come with loan forgiveness down the road. It's not sexy. Takes 20 years. But, you know, if you really struggle to earn a solid income over 20 years, any remaining balance on your loan is forgiven.   [00:12:05] And that's I mean, that was going to be my follow up question is the loan forgiveness programs. How exactly do you qualify for that? Next, you have to make a payment. For how long?   [00:12:15] Well, it depends. So that's the other thing is right now, with no changes to the laws, like, let's just say none of these pullet politicians that are out there talking all these changes, if nothing changes, 50 percent of all borrowers today qualify for something, maybe not total loan forgiveness, but something.   [00:12:33] And there's so many repayment plans, forgiveness programs out there. I've found over 80 different loan forgiveness programs, depending on where you do what kind of loans you have, where you live. So the most popular one is the one that you hear about in the news all the time. Public service, loan forgiveness. And it's popular because there's a lot of public servants out there, teachers, government officials, you know, state, local, federal members of the military. You know, that's very broad. And so a lot of people qualify for it. The other thing is, is it takes 10 years or 120 payments and you get tax free loan forgiveness at the end. And so that's one the most popular ones. But there's so many other loan forgiveness programs out there that you just you a few minutes of research, you might qualify for something and not even realize it.   [00:13:21] Very nice. If there's somebody who, you know, is looking at this massive student loan debt and doesn't want to drag it out for 20 years to maybe qualify for something like that, what are the. Are there strategies that work specifically to maybe accelerate getting that debt paid off or what are some quick wins for them?   [00:13:39] Yeah, I mean, it all comes down to your income, right? If you can afford to pay more, it's just a math game, right? Do you want to eliminate your debt, pay less interest and get it done with?   [00:13:47] Or can you afford to not to do that? If you can. I mean, you can definitely look at refinancing. You do loans, getting a lower interest rate and paying it off. But refinancing is what everyone here is. Because. Right, it's driven by the banks and banks advertise and they have a lot of money to throw at advertize. Right. And so everyone's share refinance to save interest on my loans. Well, the sweet spot for refinancing and saving on interest on your loans is are you going to pay off your student loan debt in three to five years? If the answer to that question is yes. Well, refinance. Go for it. If the answer to that is no, don't refinance. Look at other programs. But maybe in a year from now, your situation changes. Maybe you got to raise it work. Maybe you got a new job. Nothing that we're talking about also has to be permanent. Right. I think that mostly we'll need to look at their do loans reassessed annually and see if they're on the right path because life changes, your income changes, everything can change. Right.   [00:14:41] And you've got to just continue to monitor it and see if you're on the best path for yourself today when you get ready to go to college. Win. Win is the best time to start planning this out.   [00:14:52] Is this something you should do before you even decide to go to college? Is this something that you can do during college? I mean, what's your opinion on the best, best time to start this?   [00:15:02] Oh, I mean, like when they're 8. Like when your children are in there, like, you know, single digits, you need to have these conversations. And it actually isn't even the college conversation, really. It's the money conversation.   [00:15:12] Like, I can't tell you how many parents just don't share any type of money with their kids. Like not giving them money, but like giving them transparency into their finances. And then, you know, this 16 year old thinks that they're going to have their college paid for and then mom and dad's like, no, there's no money. And it turns into really nasty things. So let's start with your kids early. Share with them money. Tell them what your budget looks like. Tell them what the plans are to save for college and then just continue to evolve these conversations all throughout their life until they're in high school. And then you need to sit down, have the real conversation about how you can pay for college. What do you want to do? Where you want to go? Well, this is how much it costs. This is how much mom and dad have. This is how much we put aside for you. You know, this is what we could do to support you while you're in school. But like, you know, here's what it looks like. And we have to have these conversations with children early because college is more than money. Right? It's hopes, dreams, aspirations, but it also involves money and taxes and the government and all kinds of other nasty stuff that we don't talk about as much. So if you don't combine these two early, you just set up really bad conversations when it comes to paying for college. And that's where also people don't realize what college all about. College isn't about necessarily education. It is. But you can get educated anywhere you get as you listen to a podcast. You can get educated going to Harvard. Got you. And they put all their lectures online. So if you want really world class education, you can find that you go to college because you're looking for an hour away on your investment. And that's what we need to talk about. Just like you would in real estate or in the stock market, you want a return on your investment. So if you're going to invest $40000 in college while you're doing so, because you expect to earn more after college and you're expecting to get skills, networking, career, other things besides just the classes because like English one, a one you can get anywhere, you could read some books and you've literally learned what your English class going to teach you in college.   [00:17:17] So like you're going for more than just that education. You've got to keep that in mind. It's an investment and it's an expensive investment. And statistically, college graduates do earn more than high school graduates over time. But, you know, there's definitely people that don't need to go to college and can earn very good sums of money, you know, with their skills. Maybe it's a trade, maybe it's joining. The military is college isn't for anyone. And it's really expensive to find yourself if you don't know what to do.   [00:17:46] There is so much going back in that last couple minutes.   [00:17:51] I think you're underspent percent spot on that. I think that is hopefully it's a generational thing and we're getting away with it. But, you know, as you know, when I was growing up, it's pretty common here in young people my age, just, you know, their parents intolerable money to teach me about money. But then when they got to 17, 18 years old, you had to go to college. Why? Because that's what you do and that's what you have to do. But. Oh, yeah. We can't pay for it. So go get student loans. And, you know, you can't you can't yet get a legal drink, but you can sign for a hundred thousand dollars in student loans without knowing what you're going to get for it. And I think you the way that you look at college from an ROIC standpoint is the way people need to look at college, because you're a hundred percent. Right. You can get educated anywhere. And nowadays there's so much stuff out there that if you don't need a college degree for what you're your goals are, it's might not be worth the money, you know?   [00:18:40] Right. I mean, there's still just like that political aspect to it. Like, let's say you want to be a teacher, right? Like, you have to get that credential or they don't let you teach, you know?   [00:18:49] You know, there's real smart pass to get there. You go to community college, knock out your undergrad, transfer to a state school, live at home, and you could probably be dollar college for like 10 grand and have that credential and go teach like you don't need to borrow one hundred thousand dollars. A teacher. And it's just hard, though, because people think down on community college. But you know what? It's free and half the states. You know, college like no one cares where you. Yeah. You know, whatever calculus or whatever the classes you take, like that's all the same. If you're just going for your teaching credential, get your teaching credential. Same thing applies to anything. But that's where I think I'd like the tech world. They have all these vocational programing schools now that are popping up because you know what? Like Microsoft doesn't care. They just might know be in code. And if you can learn how to code wherever, do it and go get working. And you know, it just we have a whole world of possibilities now and it's really expensive to overlook why you're going to school.   [00:19:47] Yeah. And it'll be interesting to see what people and companies do in the next 10 years as lowering some of their college degree requirements from these jobs that don't necessarily need it, you know, making it through it.   [00:19:59] My wife worked at a car rentals place right out of college and it required a four year degree to rent cars.   [00:20:05] That's ridiculous. There's a lot of that. It's so silly that, like, you need a college degree to become like a manager and assistant manager.   [00:20:13] And it's like really like, you know, there's people that have really great skill sets that don't need to do that. But, you know, you've put this arbitrary. I call up politics and workplace politics. And it's the same like I see people going back to school for like a master's degree or a graduate degree, because graduate programs in general are the worst are. Why? That's where, you know, when you see the million dollars in student loan debt, there's over 100 people in this country with a million dollars in loan debt and they're all graduate degree programs. Right. Because the problem is, his graduate degree programs don't have a cap. So undergraduate borrowing, there's a federal cap on how much you can borrow, not for graduate degrees. So like they can borrow one hundred fifty two thousand dollars a year and then, you know, interest and all that stuff builds and you're a million bucks. And that's where there's no growth, especially with like MBA programs, things like that. It might be the workplace politics game that you need to play. But in that case, make your employer pay for it. Like I'm not necessarily dismissing the value of the degree, but at the cost in the R-N.Y might not be there. But if you're not, the payer will go for it. Right. But if your company is going to demand that that you have an MBA to get promoted into some kind of management position, well, they should put up the money and pay for it.   [00:21:24] Yeah. Nice tazers. Sorry.   [00:21:26] Let's just just say one of the things that I like that you said you were mentioning the tech program, which I kind of wanted to dove into just a little bit because I am fans of Mike Rowe who does Mike Rowe works and he's a lover of the tech world. And, you know, I actually had told my son, who just graduated from college with a two year degree in and building building trades and went right into making a job into a job, making more money than I make. So and I've got a four year college degree in business administration and my own real estate portfolio. So, you know, I definitely didn't want to discount that, you know, kind of touch on that a little bit more than the tech world was a great, great return of investment. Like you said.   [00:22:05] So, I mean, even the trades are a great return on investment. And, you know, it's very cyclical. And I think it's also important to take a long term view on this. Right.   [00:22:14] So when the economy does really well and this is in history, if you look back over the last hundred fifty years, the better the job market is, the less the value of colleges. But then it reverses, the worse the job market is, the higher the value colleges. Right. And so, like, you know, micro is amazing. I think going to the trades is great. You know, I know these construction guys that, you know, are making tons of money these days, but they know everything flips and then they don't. Right. It's very cyclical. But the same thing can happen. The tech world, you know, things can flip. Things can change. So you just got to be mindful of that. But if you build some skill sets and you set yourself apart and you network, you can usually weather those storms regardless of what you get into.   [00:22:54] So since we're on the subject of our why, what are some things that people need to consider when they're maybe they're trying to shift their mindset of looking at college just because you've got to go to get a piece of paper or looking at it from an hour away. How do they start that?   [00:23:05] Well, the mindset is so psychological because it's your own aspirations and dreams of what you want to do. It is so much family pressure, so much friend pressure.   [00:23:17] And you're talking to someone that's 17, 18 years old and you're like, you need to overcome what everyone's telling you to do this.   [00:23:24] And that's the hard part is that's where if you start these conversations earlier becomes easier. There's no right or wrong here. But like, you know, we got to judge kids less. We got to let them explore and try things. But we've got to teach them fiscal responsibility as well and help them understand that, like you borrow eighty thousand. That is, you know, fifteen hundred dollars a month every month afterwards. So if you're not making X, you got to live somewhere and rent somewhere and you to feed yourself and have a car and all these other things. Right. Like so we've got to help them understand that. And really do that the better. But it's so much just interpersonal family dynamics that there's just no right or wrong way. We got to just continue to talk to parents, really, and kids and say it's OK, like there's alternatives. I think 30 percent of people to 40 percent should go to college. I think 30 percent of people should go into a trade type scale or the military. And I think a 30 percent of people should become kind of entreprenuers or something else along those lines and just not go that route. I mean, I think everyone's so different and we can't just box everybody in and what's right or wrong or, you know, dad did this. So you should do this. Yadayada, right?   [00:24:34] Yeah.   [00:24:34] We've all heard the story about Bill Gates dropping out of Harvard, and that might have Bill Gates, you know, like so many of these people have. And it's you know, that's very rare exception. But like, there's also plenty of people that didn't go to college and started a local, you know, trade job or, you know, run a small business that provides for them and their families and does really well. Like, you don't need to have a billion dollar company to support yourself. You can have a nice job. And the cool thing is in this online world is that you can do so much of it online in the comfort of your own home. Being a freelancer, something like that as well.   [00:25:15] Now, taking a quote directly off of your Web site says The number one dilemma holding black millennials from investing and building real wealth. Wealth is student debt. To loan debt. Do you feel that that's that's changing now that people are being made more aware of it? Do you think it's getting worse in the economy the way it is now? Do you think we're making progress towards not having crushing student debt?   [00:25:42] Not at all. And that's the sad part, is, you know, it's leveled off a little bit over the last couple of years. But I mean, we're still seeing, you know, 30 plus thousand dollars, an average student loan debt when they graduate.   [00:25:53] And, you know, wait. The problem is, too, is it's compounded with stagnant wage growth. Right. So like you do, loan debt is increased, but wage growth has stayed stagnant. And so it's just eating up more and more of people's monthly budgets because the end of the day, that's what really matters. It's not about the no amount of loan debt you have if your income increased proportionally to the debt. Who cares? You could still have a portion to buy a house and you could still have a portion that you could have be comfortable having children with and things like that. But that's the dilemma here, is it just eats away at monthly income, which eats away at GDP, which eats away at potential dollars being deployed to any other aspect of life. And it takes years to build the top line so that you could service that debt comfortably so that you feel comfortable buying a house or having children. It targets kids are expensive and people literally the studies show that people are waiting longer to buy a house. They're waiting longer to have kids because they need that top line earnings to grow to a point where they feel comfortable servicing their debt. And that's the problem, is it? It's a delaying factor. It's a it's a drag like student loan debt, not a bubble like the housing market. You know, these bubbles, pop. Right. So people can't afford their houses. The bank forecloses, bank sells that house at a discount, gets it off their books. The whole thing kind of resolves itself in a year per property. And so like when you have a lot of up, takes a couple of years, but it pops, it resolves itself. Problem is, it's like we talked about earlier, student loan debt. You don't pay your loans. It's just a garnishment takes fifteen percent of your paycheck. It just drags and drags and drags. It eats away at income until we hit that twenty twenty five year point. So there's no popping of this new loan bubble. There's just this constant dragging down of people's expendable income. And that's the real problem with this. And that's why it's not getting better, because people clearly can't afford it. We're at the highest default rates we've seen in a decade. And it's not popping because it just drags on income just eats away more of the income. And when people start getting ahead a little bit. Well, that garnishment wraps up at 15 percent and it takes a little more. And that's the hard part.   [00:28:05] I feel like, you know, encouraging people to make more if you're you know, regardless of what you're making, you're taking 15 percent off the top of it for these garnishments.   [00:28:12] Well, you can get out of it. You can get a default. But, you know, it's this benefit cliff thing, too.   [00:28:17] Like, I don't know if you're familiar with the concept of benefit class where, you know, you earn a little bit more, but you lose so much for this gap period. And we see a lot of the lower income jobs where, you know, someone might make $15 an hour and they get a raise to eighteen dollars an hour, but their net is less because they lost benefits. They've lost maybe free childcare. It's the same thing with loan debt because the best ways to get a garnish are you sue loan garnishments is to rehabilitate your school loans. But that requires nine monthly payments first. So you have this nine month period of time where people are still subject to their garnishment, but they have to make a payment too. And so it's like you've got to really have a significant jump in income before they're able to like get out of the. Vicious cycle. It's like all we're doing is punishing these people that are down. And it's not easy. And so, yeah, making a little bit more isn't necessarily helpful. You have to have a sizeable job. And that's the hard part.   [00:29:15] And I did a lot of research so I could sound knowledgeable when you came on the podcast. So I was doing some research last few days and nights. I'm not sure a lot of people understand that when things go south, if they get out of college and things in your personal life go south, you you've always got the option to declare bankruptcy. That sort of thing. We've had you know, we've had podcast episodes on that. Student loan debt is one of those things that the government says is not included in a bankruptcy. So the government's always going to get their money. And I'm sure a lot of people understand that. Is that something is that an accurate statement on my part that does not get wiped away by bankruptcy?   [00:29:52] Well, it's rare. Let's not say that you can't wipe it away in bankruptcy. It's it's very rare to get it wiped away because once again, what's the collateral? The collateral is earnings.   [00:30:01] So when you go to a bankruptcy judge and they have all your debts there and they're looking at your student loans, particularly that you include them and the judge is looking at it and they're like, well, you make no money. Why aren't you on an income driven repayment plan paying zero dollars a month? Why would I eliminate this debt when your monthly payment is zero? There's no reason to. And that's the problem that people don't realize is why you're not getting a discharge in bankruptcy. It's rare because if you actually are disabled, well, there's disability discharge on your loans. They get forgiven. And if you don't have any income, your monthly payment is zero. So the judge looks at you like, why would I forget discharge if it's just you have to have a very rare circumstance of, you know, maybe it's private loans and there's some health care issues and you make just above the poverty line. Things like that, that there are some cases. It just it's so rare to get them forgiven because there's so many options. And as long as you have a potential to earn money in the future, the judge is going to make you pay him or set it as an income driven repayment amount. And you're going to pay if you earn more, it's going to pay more. That's just that's the problem. It's people don't realize that collateral piece.   [00:31:09] And the reason I brought that up is I just wanted to, you know, like you and Mike had said earlier, you just can't ignore the situation. They're not going. It's not going to go away. You got you got a head head on and try and figure it out. And that's where your Web sites come in. That's kind of leading me up to, you know, you've got another company called Loan Buddy that I was doing some research on. Could you talk to us a little bit about the student loan counseling and things that you've got going? How long, buddy?   [00:31:35] Yes, we created loan buddy to be a DIY solution to help you navigate your C loan debt.   [00:31:40] So we've talked in this short period of time of so many options and forgiveness programs and repayment plans. It's confusing. So what loan buddy does for free as you put in all your information? I'll tell you the best repayment plan. And you can take that. You go do it yourself. I'm not here to try to like Damu or anything like that, but we do have some paid upgrades. If you want your paperwork done, if you want some tracking tools, if you want to know if you're qualified for PSL. And the government actually says you're qualified. Like we track all that within loan, buddy. You can upgrade and get those paid services. But the promise of loans is there's a lot of options. There's over one hundred and fifty different options for your loans. Believe it or not. And that's where you get analysis paralysis. There's just so many options. Am I doing the right thing? And I, you know, getting the best payment I can do. I qualify for loan forgiveness. That's what loan buddy seeks to solve. And, you know, there's also a bunch of financial advisors that use it. So we have two parts. The business one part is the direct to consumer, but one part is financial advisors that use it to advise their clients. But these are financial advisors that are extremely knowledgeable, wants to loans as well. They use our software and you can connect with those advisors. If you're looking for someone, help you navigate it. We recommend that for high earners, people with complex situations like doctors and professionals like that that are married, that there's a lot of leverage. You can put your student loans. But it requires so much planning and different things. So you know, something to consider as well.   [00:33:06] Would that be a good place to start? If you think you're thinking about this person who just graduated with a ton of student loan debt and you know, people are you've talked about how people are putting things off till later in life. You know, people aren't getting married or having kids. So they're late 20s now when he used to be average age twenty. You know, that gets a go, right? Somebody who graduated but doesn't want to put that off five years.   [00:33:25] Do you recommend is there. You recommend them to maybe put some things on hold and take this to loan debt or to manage the payments on to income driven so they can start maybe doing other things like buying a house, having a family and things like that, or how you kind of help them decide which way is best for them?   [00:33:40] Yeah, I'm a huge believer in financial balance. Make sure you're servicing the loans for as you know what you need to don't don't go into default, get your monthly payment that you can afford, but start investing.   [00:33:51] Because the other thing is you can the biggest thing when it comes to investing is time. It doesn't matter how much you throw at it, it's time. So you're never going to get twenty two back, you know, like. You can only put one hundred dollars a month in. And even if that's just like a or one K match from your employer, do it, because if you wait until you're 30, like you've lost eight years of time, that you're just never gonna get back at all. That means for your future is you're gonna have to throw so much more money at it to make up for lost time. And so I'm a big believer in taking advantage of free money, especially if you can't afford it. So we set for a one K match, maybe HSA match. A lot of employers are doing that now. If you guys are familiar with the health savings accounts and some of those aren't even matches, like a lot of those are like we'll give you a thousand dollars, you'll get your annual physical. You're even better. You have to throw your own money and you can just get free money from your employer. Right. You can invest that and you just do that every year until you start getting a little more cushion in your budget and then you can reassess. But don't dismiss the free money early on and finding that balance of saving and investing and paying off your debt because it's a matter of time to you.   [00:35:01] That's awesome. You have time in the market is better than time in the market. And that's why I get kind of not going to say concern.   [00:35:07] But, you know, you hear the Dave RAMSI's of the world and they say don't, don't invest a dollar until you have every cent paid off. And, you know, I think there's a lot of concern with that advice, especially. You said you never gonna get twenty two back in those eight years, 20 to 30. Man, from the time pounding standpoint that can do it. Just wonders when you're ready to use it 20, 30 years later down the road.   [00:35:29] One hundred percent. I'm with you. Like, that's one piece of advice. I do disagree with Dave on because, you know, like, let's just say your employer matches you 5 percent like one. You're right.   [00:35:38] I notice the 5 percent out of your budget, but 2, you're giving up a 5 percent bonus on your money. It's like why are you leaving free money on the table that like literally could be going towards your future? And that's crazy because, you know, like it's a pretax deduction. You're barely gonna notice. Like, put the money away. You might not have anything outside of, like, that kind of thing early on to invest and save, like take advantage of what you can and you won't regret it. I've never heard anyone say, man, I regretted putting all that money in my foro okay. When I was younger, like no one says that.   [00:36:14] Nice. Now, you've talked about addressing the debt side of it. You have some some information on your Web site about the income side of it. How would a person go about taking care of both sides, you know, getting an extra $800 a month or creating multiple streams of income? What are your recommendations for these new students coming out of college for building up their income?   [00:36:39] Well, that's what I'm most bullish on, and that's my story, right? So I had forty two thousand dollars in debt. I paid it off in about three and a half years, but I did it by side hustling.   [00:36:47] So I got my job and I was working. But then I was also selling stuff and flipping it on eBay to the tune of about two thousand bucks a month. I started a blog like you can make so much money today on the side and it's like, what are you doing? Nobody's really working 80 to 100 hours a week. That's very rare, especially when you're a new entry level employee. You're maybe working 40 to 50 hours a week. And when you're young, like in your 20s, you probably don't have kids yet, probably don't have a significant other yet like you have this time in your day. So when you get off work, what are you doing with your hours? Are you just sitting and watching Netflix? Are you, you know, playing video games and spending money versus earning it? So I'm just a big fan of going out and earning it, because for most people, one hundred dollars a month can be game changing and you can earn one hundred dollars a month like driving for rideshare for like eight to 10 hours. And so, you know, you do that for an hour a day for two weeks. Boom, you have it. It's not sexy. Your friends are gonna judge you and think you're really weird and your family might be worried about your safety. But you know what? They're also going to judge you in five years when you're debt free, you're achieving your financial goals. And then like like, how did he get there? I don't understand. Like, you know, but because they're all going to forget that you were driving for Uber for two years. Right? Like, it's just funny how people do that. But it's it's so much mental like psychology that you think that people are going to think of you weirdly. But like, you know, they also will judge you when you're successful. So just go earn more money when you have the time and ability to care.   [00:38:21] Some are millennials not investing because of student loan debt, loan debt. Are you seeing them not get in the market and wait until, you know, late 20th to even think about investing? And if so, why do you think that it is? I mean, education.   [00:38:37] Yeah, they were so like they are investing much more these days. But yeah, there was a significant delay because, you know, millennials now like they're in their late 20s and early 30s like they are.   [00:38:48] And I you know, I saw millennials, you know, over 100 green net networth when that wasn't thought of five years ago on average.   [00:38:56] Right. So they definitely delayed investing. But there's a couple of things. They don't also trust financial planners. So they don't invest in.   [00:39:03] Traditional ways that I think a lot of people thought of and the rise of all these apps have actually made it easier for millennials to invest. But, you know, they're not investing smart. I don't think, you know, when you see the Robin Hoods in the stash and the acorns, like it's great that they're putting some money in, but they're also trading and doing things they shouldn't. And maybe that's OK, because they're going to learn some lessons early on in life and maybe change their ways. But they need to invest. They need to invest more. And they're starting to. They really are. But we also have enjoyed a 10 year bull market that may be changing. And, you know, so when they invested less, they got outsized returns that they might not see going forward. And so it's hard like you. They just got to do more of it and continue it. And then it's going to be a really interesting year, I think, and how they handle changes, because, you know, statistically it was inevitable that we were going to see a change in the course of the market. And, you know, it's probably a lot of millennials first experiences in a potential downturn. Right. They grew up in 2007/2008. They don't really have any money to see it. Maybe they saw their parents and stuff and now they're experiencing it themselves for the first time.   [00:40:20] Thanks a lot. Corona virus, everything.   [00:40:23] I mean, it's just a couple statistic. You can blame it on one thing or the other thing. But like when we're at it historically, the second longest bull market in history.   [00:40:32] Yeah, like just stats.   [00:40:34] I don't know what's to blame. It's just it's just going anyways. It's going to. Yeah. You know, like literally you can it's like roulette. Right. You can keep spinning and hitting it, hitting it, hitting it. You're going to miss at some point which is EXELL against you.   [00:40:46] You know, now you've got the long buddy that you DNP basically with the upgraded version of it. Does that offer a one on one coaching program where you actually help them. So the paperwork out form to do that sort of thing. Programs for coaching?   [00:41:01] No. So the system actually takes care of all that for. So it's a DIY handles that I've actually gone away from one on one coaching. But we also connect you with the financial planners because that's the thing with student loan debt is the enemy as loan debt is the scam.   [00:41:15] Companies are so many scam companies that prey on them and robo calls and things. And, you know, we don't want to be I don't want to be a coach for you and know your financial life. That's why we have financial planners that are literally CFD and CFA and they are licensed professionals. That is fiduciary responsibility to you or we have the DIY approach where you can get all your information, put it in and do it yourself. Or you could just use our tool, validate what you're doing and go do it yourself 100 percent without upgrading. And so I've gone away from the coaching, but we definitely have a range of offerings, kind of whatever suits your needs.   [00:41:53] Simon, one more for you actually is people hear a lot about not wanting to get their kids in the same debt that they that they got in in 529 plans are thrown around a lot.   [00:42:04] And you think that's an effective way to save for future college generations? Are there better ways to do it?   [00:42:09] No, I think the 529 plan is one of the best ways to save for college. But this is what I also say is the airplane analogy. Right. You got to put the mask on yourself before you put on your kids.   [00:42:20] And for a lot of parents, they see this with their student loans. Now they're struggling and they they're also taking care of their parents. Right. And they're like, I don't want to be a burden to my kids. Well, the best way you could not burden your kids is to handle your own financial house, like literally save for your own retirements. First, make sure your debts paid off so that when your kids are in their 30s and having kids, you're not having to move back in with them and be a burden. Right. And so that's number one. Number two is between nines are great. But how I think that most people should be leveraging is asking people instead of a gift give to my kids 529 plan. And we saw this in our family and it's worked out really well because I don't know if you guys have kids. I have to. And my gosh, they have a birthday or Christmas. It's like Santa gives them a gift. We give my gift. Their sibling gives them a gift. And then it's like grandma shows up with two other grandma shows up with two. It's like the kid has 40 presents. By the time Christmas is over. But then literally on December 26, they're playing with two of them. The rest of them are literally not even touched. And so one of the things we changed is that we've asked all the extended family, like, stop buying crap. No one needs the crap. Like, if you want to, you don't have to, but like, send the money into their 529 plan. And that's worked really well. They usually get, you know, every grandparents giving them 50 bucks into their 529 plan. But here you are six years later, they each have a few thousand bucks. And that's just continuing to grow. And we get the added win of the kids now getting five just six presents for Christmas instead of 40. And they're still just as happy like no one's any less. So win, win, win right there. Hundred percent. And you know, now instead of them throwing away 50 bucks at Target or Wal-Mart. Buying a toy, they're giving it to somebody that's going to actually be very valuable. And so I'm a huge believer of that fusilli ramified joint and gifting. And of course if you do have any extra money, you can throw it in there. But that's after you've saved for yourself. First, as a parent, take care of yourself, your retirement, your needs. Then look at a 529 save for college directly.   [00:44:24] Awesome.   [00:44:26] Oh, this has been a lot of information for the people and I appreciate you.   [00:44:31] And given this and also the fun, we could talk for hours on this man. I think it's such a such an important subject today. And yeah, there's where we can people go to find out more about this and connect with you more if they need to.   [00:44:45] Yes. And go to the college investor dot com. And we have all this information there, if you want to look at it.   [00:44:50] Lombardi, a trade deal is do loans, you get a loan, but you got us and you can enter your info and get started for free and see if you're doing the right things with your loans. Perfect.   [00:45:00] Excellent. Great information. Thank you for helping our listeners get a hand on their student debt.   [00:45:06] Yeah. Thanks. Thanks for having me, guys. That was great. Thank you, guys.   [00:45:10] All right, Larry. That was Robert Var. in man. How good was that man?   [00:45:15] I didn't know a lot of the stuff that he was talking about. It's just, you know, expand your knowledge base a little bit when you start finding out some of the different methods and and some of the the size of the problem in the country today. You know, the epidemic of student loan debt, people coming out of the college with record amounts of student debt, that's just phenomenally bad for everyone. So, yeah. And bad for you.   [00:45:41] Bad for everyone. Like you said, the economy. People are doing things that way later than they used to historically because because of this student loan debt.   [00:45:48] People aren't buying houses. People aren't starting families and having kids. Those are really generation. Really. Those are big things for what spur the economy. You know, down the road when those kids, you know, start entering the workforce. So, yeah, this is like large, large implications to our future economic outlook. So, yeah, definitely a big problem. And we teed up their intro. It's such a crazy problem and, you know, such a large problem to tackle when people are looking at such a large amount of student loans. So it's really, truly awesome that Robert was able to come through and give some advice and give some resources for people who might tap this.   [00:46:23] Yeah. And, you know, I've got my my kids are twenty three and twenty one and they both just graduated from college.   [00:46:29] And you know, they they can really afford to take on all their own bills right now. You know, it's tragic. They're still on her cell phone bills, our car insurance, things like that. And the pay her basically my wife and I are trying to help them as best you can, but you got to try and give them a leg up. Robert is one of those ones that I'm actually going to send this this, I guess, on to them and say, listen up.   [00:46:52] Yep.   [00:46:53] And actually, since we're on the subject, man, on a future episode, we will want to dove a little bit deeper into maybe how to do college a little bit cheaper without leaving. It was with, you know, this massive amount of debt. Well, to find an expert in that space around college hacking and, you know, getting as much financial aid and financial grants and things like that as possible. So we can, you know, maybe instead of worrying over how to pay off the debt, how to I get in debt in the first place through college.   [00:47:19] But again, as I mentioned on the podcast. Well, Mike Rowe works. Mike Rowe is a big proponent of the tech schools. And that's where we sent my son.   [00:47:27] And I'm a huge proponent of the tech schools. You know, you have to go to college for something that's just, you know, educational. You can go with educational tech and then get a job right out of college, making probably more than I did. More than I do, like my son did. And jealous of him.   [00:47:46] You mean I shouldn't spend 60 grand or 80 grand on a philosophy degree? I'm not saying you shouldn't.   [00:47:53] I'm just saying if that's what you choose to do, you may you may have a difficult time finding a job after that. You never know. But don't discount the tech schools. You know, you shouldn't feel bad about going to a tech school at all.   [00:48:07] It's. Yeah. No, I love Robert's view around looking at college from the a wide lens like, yes, I'm going to get this degree. But what is my return on this investment going to be? And I think that is nobody. I never thought about college and in that sense before. And I think that that's kind of that mental shift that needs to happen when we're looking at college. Yes, it can be a useful tool, but what am I going to get out of it in return? Is it going to have the R.O. either return on investment to make it worth the six figures? It might cost you to get that college degree.   [00:48:39] Yeah, absolutely. So start thinking about all your options and and make sure that make sure you pick wisely for the return on your investment. So what's the wants to call the action we've got tonight?   [00:48:51] Like I called action from Robert was just get organized. If you're working through a starting trend to tackle this, this kind of a massive problem in.   [00:49:03] I'm kind of this David and Goliath type situation where you're dealing with such a massive debt. You know, just get organized. We. We had a show back, I don't know, four or five now I think was assessing your financial situation where we talked about how you can organize your debts in a way that makes sense and you can tap them efficiently. Kind of the same thing here. Get all of your student loans. Figure out who you owe money to, to what amount in the interest rates. And then I'll just give you a starting point for the for the game plan. Right. You needed epic Inclan for this debt. And if you don't know where you're at, you're not going to be able to make that game plan. So once you have that, there is a couple resources that Mr. Ferrington mentioned that you can go out to, which was, Larry, if I'm remembering correctly, it was loan buddy dot com.   [00:49:45] Lombardi wasn't one of them. It wasn't at that us, wasn't it?   [00:49:50] I think loan buddy dot us loan body dot org and assessing your financial situation while you're looking that up on Google I believe was episode 3 or 4. So that was more like thirty seven, thirty eight episodes ago because you can believe we're almost up to the fiftieth episode. We need to have something special for our 50th episode.   [00:50:11] You know we said a long buddy that. Yes you are correct sir.   [00:50:19] So, so long buddy. That U.S. is the no go in there and it's a free service that he offers and it helps you get to the point where you can get a handle on your your student loan debt.   [00:50:33] Yeah. All right. Any anything else?   [00:50:36] No, that's everything I've got. Read listen to it. If you need to go back to listen to Episode 3 or 4, assessing your financial situation and, you know, just get a handle on it.   [00:50:46] Awesome. Cool. Thank you guys for tuning into another episode of the Real Estate Marathon podcast. See you next time.   [00:50:51] Thank you everyone for listening to the real estate marathon. I guess if you found value in any of the content from this show, consider supporting us in the following ways. Subscribe to the Real Estate Marathon podcast. Leave a rating and review. Continue the conversation with like minded individuals on social media by heading over to the Real Estate Marathon Gas Facebook Group or follow us on Instagram and Twitter. Add real estate marathon. Buy gas.   Farrington launched TheCollegeInvestor.com from his home in 2009​, while finishing his MBA at the UC San Diego Rady School of Management. Being passionate about investing and personal finance, he wanted to connect with others who shared his passion. Not finding what he was looking for on campus, he created TheCollegeInvestor.com as a resource for young adults about money, covering topics from paying for college and escaping student loan debt, to investing their first dollars after graduation. Since then, Robert Farrington has shared his successful student loan and wealth building expertise with thousands of ​young adults, both online, in person, and as a contributor to major publications such as Forbes and Huffington Post. The San Diego native's drive to help others and "geekiness" have fueled his work as a blogger, journalist, entrepreneur, and family man. Farrington earned a Bachelor's of Arts in Political Science from UC San Diego, and an MBA from the Rady School of Management at UC San Diego. Passionate about his family, FinTech, and watching the latest Marvel movie, Farrington resides in San Diego with his wife and son.

Robert Farrington-  Robert Farrington is a Millennial Money Expert and Founder of TheCollegeInvestor.com. He is on a mission to help millennials get out of student loan debt and start building wealth for their future. He also helps parents make smart choices about college financing options and navigating the complex world of paying for school. Through his work at TheCollegeInvestor.com, Robert Farrington has emerged as one of the nation's leading student loan debt experts.​ Farrington launched TheCollegeInvestor.com from his home in 2009​, while finishing his MBA at the UC San Diego Rady School of Management. Being passionate about investing and personal finance, he wanted to connect with others who shared his passion. Not finding what he was looking for on campus, he created TheCollegeInvestor.com as a resource for young adults about money, covering topics from paying for college and escaping student loan debt, to investing their first dollars after graduation. Since then, Robert Farrington has shared his successful student loan and wealth building expertise with thousands of ​young adults, both online, in person, and as a contributor to major publications such as Forbes and Huffington Post. The San Diego native's drive to help others and "geekiness" have fueled his work as a blogger, journalist, entrepreneur, and family man. Farrington earned a Bachelor's of Arts in Political Science from UC San Diego, and an MBA from the Rady School of Management at UC San Diego. Passionate about his family, FinTech, and watching the latest Marvel movie, Farrington resides in San Diego with his wife and son. Website: https://thecollegeinvestor.com/ Listen to another #12minconvo

Tonya Rapley is an internationally recognized millennial money expert, mompreneur, and founder of the award-winning site, My Fab Finance. She is the author of the Amazon best-seller, The Money Manual: A Practical Guide To Help You Succeed on Your Financial Journey and co-host of the Colorfull Lives podcast. In 2014, she graced the cover of Black Enterprise magazine and was deemed the "New Face of Wealth Building" and has been recognized as one of the “Top 10 Most Influential Women in Personal Finance on Twitter”. She created the BanishTheBalance Challenge in 2016 and helped her community eliminate more than $250,000 worth of debt in 60 days. In 2019 she launched the Blue Ribbon Club, a structured accountability program to help individuals break the cycle of living paycheck to paycheck so that they can live lives they love. Tonya is a highly sought after media personality. She has appeared as a financial expert on Good Morning America, Strahan & Sara and CNN. Her client list includes brands such as State Farm, H & R Block, Frost Bank, and Invisalign. Tonya’s work has been featured in The Washington Post, Glamour, Business Insider, and Vogue and more, making a powerful impact on the financial lives of audiences of all ages. https://myfabfinance.com/ Blue Ribbon Club https://blueribbonclub.thinkific.com/

One of the biggest things on my mind is millennial debt and the crisis it is creating for our economy. I think about this A LOT, in part because my husband and I discuss his student debt ALL. THE. TIME. Business Insider says that the average millennial earns $35,455. The average student-loan debt per 2018 graduate is $29,800. A recent SuperMoney report found that, since the 1970s, young adults have seen only a $29 income increase, while college tuition has more than doubled” which means that, sadly, we are getting more educated without any financial opportunity on the other side of it. This topic has sometimes been called “the next bubble to burst” and it’s something that our current democratic presidential candidates have policies around, should they make it into office. The issue is that big! Because I think this topic is *so* critical for so many people, I wanted to bring back a favorite guest of ours, Robert Farrington who is a Millennial money expert and founder of thecollegeinvestor.com. Robert’s path is a fascinating one - starting with his time working as a manager at Target while blogging on the side, to then making $45,000 a month on his blog to now making multiple 7 figures. Robert focuses on millennials and millennial money, as a major topic of his expertise. About Robert Farrington Robert Farrington is a Millennial Money Expert and Founder of TheCollegeInvestor.com. He is on a mission to help millennials get out of student loan debt and start building wealth for their future. He also helps parents make smart choices about college financing options and navigating the complex world of paying for school. Through his work at TheCollegeInvestor.com, Robert Farrington has emerged as one of the nation's leading student loan debt experts.​ Farrington launched TheCollegeInvestor.com from his home in 2009​, while finishing his MBA at the UC San Diego Rady School of Management. Being passionate about investing and personal finance, he wanted to connect with others who shared his passion. Not finding what he was looking for on campus, he created TheCollegeInvestor.com as a resource for young adults about money, covering topics from paying for college and escaping student loan debt, to investing their first dollars after graduation. Since then, Robert Farrington has shared his successful student loan and wealth building expertise with thousands of ​young adults, both online, in person, and as a contributor to major publications such as Forbes and Huffington Post. The San Diego native's drive to help others and "geekiness" have fueled his work as a blogger, journalist, entrepreneur, and family man. Farrington earned a Bachelor's of Arts in Political Science from UC San Diego, and an MBA from the Rady School of Management at UC San Diego. Passionate about his family, FinTech, and watching the latest Marvel movie, Farrington resides in San Diego with his wife and son. www.thecollegeinvestor.com Also wherever you get your podcasts: https://thecollegeinvestor.com/audio-show/ Meanwhile, we want to invite you into the Backstage Pass Goal Magic Community Group on Facebook. Our group is a very dynamic, supportive, and creative bunch who is full of awesome ideas, is always willing to help, and has already had some amazing conversations about our struggles and goals. We’d love to meet you, and so would our community, so drop us a note to say hi once you’re in! Here’s to Getting Unstuck, Cynthia & Brennen

America’s Millennial Money Expert® and America’s Student Loan Debt Expert™ sits with Roland Frasier to discuss his journey from a side-hustle personal finance blog to being the #1 resource for helping millennials get out of student loan debt (and start building real wealth for their future). Listen For, • How they got to be one of the largest personal finance sites out there, with 3 million page views a month and 7 figures in revenue. • The first game-changer for The College Investor. • How listening to his readers gave him the direction he needed to pivot toward growth. • The $24 that made all the difference and spurred him on. • How to benefit the most from attending business conferences. • All the revenue models for how the blog actually generates money. • How Robert began to build his team of freelancers and how he found his first hire. • Why he likes to hire ‘young blood’ and less experienced freelancers. • Why he has a bias toward a company of one. • What he finds is working best for marketing. Visit TheCollegeInvestor.com Thanks so much for joining us this week. Want to subscribe to Business Lunch with Roland Frasier? Have some feedback you’d like to share? Connect with us on ApplePodcasts and leave us a review! Click to visit our website or find us on your preferred podcast player. You can find Roland on Facebook and at RolandFrasier.com, or follow @BizLunchPodcast on Twitter and Instagram

Robert is the founder of The College Investor, a leading personal finance site helping millennials get out of debt and start investing. He is America’s Millennial Money Expert®, and America’s Student Loan Debt Expert. He is on a mission to help people escape student loan debt and start building wealth for the future. Resources: The College Investor College Investor Podcast GenM (Sponsor) Quora Betterment Wealthfront The Daily Stoic by Ryan Holiday Never Split the Difference by Chris Voss The Hustle & Flowchart Original Episode

From the age of 16 to 33, Robert Farrington worked at Target while slowly building his blog until he had 1,000,000 readers a month. He had used his side gig in order to pay off his college debt, build an investment portfolio, and now it was letting him become a full-time entrepreneur. Robert is the founder of The College Investor, a leading personal finance site helping millennials get out of debt and start investing. He is America’s Millennial Money Expert®, and America’s Student Loan Debt Expert. He is on a mission to help people escape student loan debt and start building wealth for the future. Time to brush off those old blog (or podcast!) ideas as Robert Farrington shows Matt and Joe how to build a massive audience with your content, the 3 primary ways to monetize a website, and ad strategies that cost nothing. After listening, go check out our conversations with Christopher Gimmer and David Sinick for more ways to craft top ranking content. “Blogging is like compound interest rate... you put this work in and it might not necessarily do anything upfront, but over time you really do have this large nest egg.” -Robert Farrington Some Topics We Discussed Include: How to turn random thoughts into traffic generating content A schedule to build a blog that compounds traffic The kind of content “success” you want to aim for Methods for refreshing old content (so much easier than starting from scratch!) A PR strategy to skyrocket your SEO The 3 primary ways to monetize a blog SEO factors that are more important than backlinks How to research in order to make top ranking content Best practices for running Reddit Ads Why Facebook will no longer be #1 in 18 months Ad strategies for when your budget is zero Why you should probably invest even if you’re still in debt Contact Robert Farrington: The College Investor College Investor Podcast Connect on Reddit And on Instagram References and Links Mentioned: Hustle & Flowshorts – Our new daily podcast! GenM (Sponsor) – Find marketing apprentices for $50/mo Free Evergreen Traffic Playbook The Perpetual Audience Growth Course – Learn how to drive consistent, high-quality traffic day in and day out HARO Asana Quora Betterment Wealthfront The Daily Stoic by Ryan Holiday Never Split the Difference by Chris Voss Christopher Gimmer: The Founder Of Snappa Shares His SEO Secrets David Sinick: The Ultimate SEO and Content Marketing Playbook

Imagine having access to a proven financial coaching strategy designed to help millennial clients smash their financial and lifestyle goals and become the best version of themselves. Now imagine learning this strategy from the #1 Advice firm for millennials - Wealth Enhancers (www.wealthenhancers.community). Finn Kelly (@TheFinnKelly) is the Wealth Enhancers co-founder, Young Presidents and Entrepreneurs Organisations Forum Facilitator, Speaker and Millennial Money Expert who built a niche business model which didn’t yet exist in Financial Services. Aside from providing a highly successful financial coaching service to high performing millennials, Wealth Enhancers have also built a strong and reputable brand which has become well renowned not only in the finance industry but with consumers seeking advice. In this episode, Finn explains the key differences between a Financial Adviser and a Financial Coach, how Wealth Enhancers built a different view of Financial Advice for a generation who traditionally haven’t sought advice, the four elements you need in your offering to help millennials build financial wealth and how Financial Advisers can work together to raise the collective consciousness and provide great advice to those who really need it. XY Adviser Online Training Platform - https://www.xyadviser.com General Disclaimer - https://www.xyadviser.com/disclaimer/ This podcast is proudly supported by netwealth (www.netwealth.com.au), an ASX listed company ranked #1 for overall platform functionality and user satisfaction by Investment Trends for the past three years. netwealth understands that the Financial Advice landscape is changing and is providing market leading technology to help you explore new perspectives and realise new efficiencies. Through excellent customer service and expertise, netwealth are working with XY Advisers to innovate and drive Financial Advice forward.

Stefanie O’Connell had stars in her eyes but no cash in her bank account... So she pivoted her passion for drama into a more profitable profession.  For more information, visit the show notes at http://www.bobbirebell.com/podcast/stefanieoconnell

If you like financial podcasts then I think you’re going to be happy to know that today we are featuring a very successful top female financial podcast host and certified financial professional, Shannah Compton Game. She’s the host of Millennial Money. It’s a daily podcast catering to millennials and young adults, boasting over three and half million downloads since launching about three years ago. She and I are doing crossover interviews today. So, if you check out her podcast you can hear her interview me. It's really wonderful to connect with a fellow female podcaster in this space. Shannah and I go deep. We right away began talking about the financial lessons she learned from her divorce, the most surprising thing that she learned about millennials and money in doing her podcast and the number one piece of advice that she has for women. To learn more about Shannah visit shannahgame.com or follow her on Twitter @shannahgame. To learn more visit www.somoneypodcast.com.

This week I sit down with Jessica Moorhouse who is a Millennial Money Expert, Blogger & Podcaster For links and notes on everything we talk about on This Week in Bunz join the Bunz Podcast Zone on facebook Music Credit: Leonids If you want your music on the show email podcast@bunz.com and if you want to be heard call 647 ZEN TROL and as always signup at BUNZ.COM

Stefanie O’Connell is a millennial money expert, speaker, and author of the book, “The Broke and Beautiful Life.” Her work has been featured in The Wall Street Journal, Forbes, SUCCESS, The Dr. Oz Show, Fox News, and ABC World News. In this episode, you’ll learn the importance of questioning everything about your money, the things Stefanie did to make it in NYC on a low salary, how she has kept debt out of her life, how she invests, grows her business, and more. It’s a very inspiring episode. Links to everything we talked about, can be found at http://ptmoney.com/stefanie  

Robert Farrington is a Millennial Money Expert and Founder of TheCollegeInvestor.com. He is on a mission to help millennials get out of student loan debt and start building wealth for their future. Robert is the quintessential master of his money. At such a young age in his early 30s he’s showing us all how it’s done. Really impressive.

 In this episode, you’ll hear Robert share how he’s managed paying off debt and making huge strides with his investing, the exact tools he uses to stay on top of his money and manage his investments, his savings goals, and his interesting strategy for buying his next car. I left the interview with a list of to dos for my own financial life. Get ready to be challenged. Links to everything mentioned in today's show - AND MORE - can be found at http://ptmoney.com/robert  

Tonya Rapley is a nationally recognized Millennial Money Expert. She has been featured in Glamour, Essense, Buss Feed, Forbes, Ebony Business Insider and more. Today we talk about MONEY and how it should be as common to talk about as shoes and makeup. You do not want to miss this life changing "Financial Fitness" Episode of Hot and Healthy With Laura London. Visit Tonya at: www.MyFabFinance.com

Robert Farrington is America’s Millennial Money Expert™ and America’s Student Loan Debt Expert™. He is also the founder of The College Investor, which is the #1 resource for helping millennials get out of student loan debt and start building real wealth for their future. Hes been on this mission since 2009.

Millennial money expert, author and personal finance blogger Stefanie O'Connell and I talk about being an actress during the recession and what inspired her to teach others to be smarter with their money. Long episode description: Stefanie O’Connell is one inspiring millennial. She had aspirations of becoming an actress growing up and even studied acting in New York City. She was well on her way to becoming a broadway star too — until the recession hit.  The economic collapse forced her to rethink her plans of being an actress and consider other ways of making a living. She also started getting interested in personal finance, and realized from books like Rich Dad, Poor Dad that she did not want to live like a starving artist for the rest of her life. This new passion for finance soon motivated her to start her own blog initially called The Broke and Beautiful Life. Now just going by her name (like yours truly) at StefanieOConnel.com, she’s not only a popular personal finance blogger, but also an author (she penned her first book The Broke and Beautiful Life in January 2015), and frequent money expert on media outlets like Fox & Friends, Dr. Oz and CBS News. What I love about Stefanie, beyond being such a hustler, is how positive she is. She seriously took those lemons and made some amazing lemonade with them. If there’s one thing you can learn from Stefanie’s story, it’s that life is rarely a straight path. Heck, it might actually be a really good thing. How boring would life be if it was predictable? Just look at my  life. I thought I was going to be an award-winning film editor in Vancouver, but instead I moved to Toronto, work in digital marketing during the day and host my own personal finance podcast at night! And I love it! I love that life is so unpredictable and I’ve learned over the years that it’s when you embrace the unknown and divert from your original path, some truly amazing things can happen. Read Stefanie O’Connell’s Book As I mentioned, besides being a personal finance blogger, Stefanie is a full-fledged author! Here’s a glimpse of what her book The Broke and Beautiful Life: Small Town Budget, Big City Dreams is all about: After moving to New York City to become a Broadway actress, Stefanie O’Connell faced one of two inevitabilities when faced with unemployment–spiral into debt or learn how to effectively manage her money. Punctuated with humor, insight, and essential money management lessons, The Broke and Beautiful Life offers practical strategies to make smarter financial decisions today as a means to fulfill the goals and dreams of tomorrow. You can grab your copy of her awesome book on Amazon. Check Out Stefanie on YouTube Not only do I predict Stefanie becoming a YouTube star, or the next Oprah, I want to help her get there! Recently she shared on Facebook that she hopes to attend YouTube’s Bootcamp to up her Youtuber game. She’s a natural already with the acting chops, but in order to get into the bootcamp she needs 500 channel subscribers. Since Stefanie is such an awesome gal, I’m asking you to subscribe to her channel (as well as mine), so she can become famous and credit me for helping her out! Seriously girl, if you ever get a talk show, I definitely expect to be a guest! Shownotes: jessicamoorhouse.com/35

Millennial Money Expert and Actor, Stefanie O'Connell shares how you can leverage your creative talents to make more money.  Stefanie O'Connell is a financial expert, Gen Y advocate, speaker and author of The Broke and Beautiful Life. She's also an equity actress whose past work includes How the Grinch Stole Christmas at Madison Square Garden and the international tour of the musical Cinderella starring Lea Salonga. A broke actress with big dreams, Stefanie stumbled upon personal finance out of necessity, using money as a tool to empower herself and build a life on her terms.  Stefanie has been featured on Forbes, Business Insider, The Wall Street Journal, The Today Show, ABC World News and various other media platforms. She also works with universities, leading financial institutions and Fortune 500 companies, sharing her fresh and timely advice withe their audiences. http://thebrokeandbeautifullife.com/https://twitter.com/stefanieoconnelhttps://instagram.com/stefanieoconnell/https://www.pinterest.com/stefanieoconnel/https://www.facebook.com/thebrokeandbeautifullife

LaTisha Styles, Millennial Money Expert, joins Heather Wagenhals, host and executive producer of Unlock Your Wealth Radio to help millennials budget, invest and achieve success through her expertise and simple finance strategies. In this interview you will find out how you can balance debt elimination and live in the moment, like a Millennial.   As a millennial herself, LaTisha offers an insight to the older generation on the millennial challenges and how she is actively helping others through financial struggles going on in today's economy.  You can tune in to the motivational speaker and millennial money expert herself, by listening to her weekly show, Young Finances TV. As the host and producer LaTisha motivates millennials by featuring funny, insightful videos on the basics of personal finance like building credit, starting to invest while helping guide millennials through LaTisha's personal finance struggles. "Several millennials (and anyone with student loan debt) feel like you can't balance work and debt, but need to know their debt is leverage. It helped you get closer to your goals and as long as you can make the payments and manage your finances, then there is nothing to be super concerned about." ~ LaTisha Styles Tune in as LaTisha Styles offers her millennial advice and breaks down simple budgeting and finance strategies everyone should be doing with their money.   This week's key trivia is based on last week's key, Knowledge is Power, Not Knowing is Powerful. Plus Minutes on your Money, this week's Moneyism, Money Drama and more in Season 21, "Coloring Outside the Lines".   Learn more about This Week's Key in the Keys to Riches Financial Wellness Series: Take Emotion Out of the Picture   Listen every Friday at 9AM PST on the Libsyn platform as host, Heather Wagenhals, interviews top money experts and shares her unique money management concepts that help you get your budget in line and savings straight.    

LaTisha Styles, Millennial Money Expert, joins Heather Wagenhals, host and executive producer of Unlock Your Wealth Radio to help millennials budget, invest and achieve success through her expertise and simple finance strategies. In this interview you will find out how you can balance debt elimination and live in the moment, like a Millennial. As a millennial herself, LaTisha offers an insight to the older generation on the millennial challenges and how she is actively helping others through financial struggles going on in today's economy.  You can tune in to the motivational speaker and millennial money expert herself, by listening to her weekly show, Young Finances TV. As the host and producer LaTisha motivates millennials by featuring funny, insightful videos on the basics of personal finance like building credit, starting to invest while helping guide millennials through LaTisha's personal finance struggles. Tune in as LaTisha Styles offers her millennial advice and breaks down simple budgeting and finance strategies everyone should be doing with their money.