Podcasts about mind your money

เคยไหมครับที่ตั้งใจจะทำอะไรสักอย่าง...แต่สุดท้ายก็ล้มเลิกไปก่อน? ไม่ว่าจะเป็นตั้งใจออมเงินให้ได้ทุกเดือน แต่พอผ่านไป 2–3 เดือนก็ดึงออกมาใช้ทุกที ตั้งใจเก็บเงินสำรองเผื่อฉุกเฉิน ตั้งใจเก็บล้านแรก ตั้งใจวิ่งทุกวัน ดูแลสุขภาพ หรือลดน้ำหนักให้ได้ ทุกความตั้งใจดีของเรา จะสำเร็จได้ อาจต้องการเพียงสิ่งเดียว...คือ “ความสม่ำเสมอ” แต่เพราะอะไรนะ... ความตั้งใจของเราถึงมักพับลงตั้งแต่ครั้งที่ 1 หรือ 2? หรือจริง ๆ แล้ว เราอาจเข้าใจ “วินัย” ผิดไปตั้งแต่แรก? หลายครั้งเราไม่ได้แพ้เพราะขาดแรงบันดาลใจ แต่แพ้เพราะ “วินัย” ของเราสั้นกว่าความตั้งใจ ในรายการ Mind your Money ตอนนี้ โค้ชหนุ่ม The Money Coach และ รศ. ดร. ธานี ชัยวัฒน์ ผู้อำนวยการศูนย์เศรษฐศาสตร์พฤติกรรมและการทดลอง จะมาคุยกันถึง “กับดักแห่งวินัย ที่ทำให้เราไปไม่ถึงเป้าหมาย” ผ่านมุมมองทั้งด้านจิตใจและพฤติกรรม ถอดนิยามของ “วินัย” และความยากที่เปลี่ยนไปตามยุคสมัย เข้าใจหัวใจของวินัยด้วยแนวคิด “Self-Control” สำรวจตัวเองผ่าน “ความกลัว ความอดทน และอิทธิพลทางสังคม” เมื่อวินัยพัง…เราจะฟื้นความตั้งใจกลับมาได้ยังไง เพราะ “วินัย” ไม่ได้หมายถึงการบังคับตัวเองให้ทำสิ่งยาก แต่มันคือ “ศิลปะแห่งการเข้าใจตัวเอง” เพื่อทำสิ่งสำคัญให้ต่อเนื่อง อยากชวนคุณรับชม รับฟังตอนนี้ เพื่อออกแบบ “วินัยในแบบของตัวเอง” ที่จะพาไปถึงเป้าหมายที่ตั้งใจไว้ครับ #TheMoneyCoachTH #MindyourMoney #เปิดพฤติกรรมทำไมเราใช้เงินแบบนี้

"ถ้าพูดถึงคำว่า “พอ” คุณคิดถึงอะไรครับ? “พอ” เท่ากับ “ความสุข” หรือ “พอ” เท่ากับ “การไม่พัฒนา”? แล้วถ้าเป็นเรื่องของตัวเลขในบัญชีทรัพย์สิน — ต้องมีเท่าไหร่ ถึงจะรู้สึกว่า “พอ”? ทำไมบางคนมีร้อยล้าน พันล้าน แต่ยังไม่รู้สึกพอเสียที? ใน Mind your Money Episode นี้ โค้ชหนุ่ม The Money Coach และ รศ. ดร. ธานี ชัยวัฒน์ จะชวนคุยลึกถึงแก่นของ “ความพอ” และ “ความอยาก” ตั้งแต่ • นิยามของคำว่า “พอ” และ “แรงอยาก” ตามธรรมชาติ • ความพอ ไม่ได้หมายถึงการไร้ความอยาก แต่คือการ “รู้เท่าทันและจัดการมันได้” • 3 ความอยากพื้นฐานของมนุษย์ ที่ถ้าไม่มีอาจไม่รู้สึกพอ • กระบวนการที่โลกภายนอกคอยกระตุ้นความอยากในใจเรา • และทำไมคนที่รวยล้นฟ้า ถึงยังไม่รู้สึกพอ ไม่ว่าคุณจะนิยามคำว่า “พอ” แบบไหน อยากชวนมาฟังตอนนี้ เพื่อเข้าใจตัวเองมากขึ้น จัดการความอยากได้อย่างเหมาะสม และมี “เงินอย่างมีความสุข” จริงๆ" #TheMoneyCoachTH #MindyourMoney #เปิดพฤติกรรมทำไมเราใช้เงินแบบนี้

ถ้าพูดถึงความรักในวันแรกพบ ทุกคนนึกถึงอะไรกันบ้างครับ? ความประหม่า ความตื่นเต้น ความสุข ความกระชุ่มกระชวย และ ความพร้อมที่จะทุ่มเทหรือเปล่า? ⠀ เพราะอะไร ใครต่อใครต่างพร้อมที่จะทุ่มเททุกอย่างให้กับคนที่ตัวเองรัก ไม่ว่าจะเป็นเวลา พลังงาน กระทั่งเงินทอง ⠀ แต่เมื่อเวลาผ่านไป ทำไมสิ่งที่เราเคยให้ไป และ ได้รับมาถึงน้อยลง จนเราต่างพูดติดปากว่า เวลาแบบนั้นเป็นช่วง “หมดโปร” ⠀ ในรายการ Mind Your Money Episode นี้ โค้ชหนุ่ม The Money Coach และ รศ. ดร. ธานี ชัยวัฒน์ ผู้อำนวยการศูนย์เศรษฐศาสตร์พฤติกรรมและการทดลอง จะมาคุยกันว่า ⠀ • ความรักกับธรรมชาติของสิ่งมีชีวิตสัมพันธ์กันยังไง • อะไรคือแรงขับ ให้เราต้องเร่งสร้างคะแนนเมื่อเริ่มต้นความรัก • หลังจากช่วง “หมดโปร” แล้วจะเป็นยังไง? ความรักที่มีหายไปจริงไหม? ⠀ อยากชวนทุกคนรับชม รับฟังรายการตอนนี้ และร่วมแลกเปลี่ยนกันครับ ⠀ #TheMoneyCoachTH #MindyourMoney #เปิดพฤติกรรมทำไมเราใช้เงินแบบนี้

ถ้าพูดถึงการจ่ายภาษี คุณคือคนกลุ่มไหน? จ่าย...ให้ถูกต้อง จะได้จบๆ ไป หาวิธีลดหย่อนภาษีทุกรูปแบบอย่างถูกต้อง เพื่อให้จ่ายน้อยที่สุด หรือ หาวิธี “หนี” ภาษี ผ่านช่องโหว่ต่างๆ เพื่อให้ไม่ต้องจ่าย ถ้าภาษีคือหน้าที่ แต่ทำไมคนถึงรู้สึกไม่ดีทุกครั้งที่ต้องจ่าย ปัจจัยอะไรบ้างที่จะทำให้ “ประชาชน” รู้สึกเต็มใจ และรู้สึกดีกับการจ่ายภาษีมากขึ้น Mind your Money เอพิโสดนี้ โค้ชหนุ่ม the money coach และ รศ. ดร. ธานี ชัยวัฒน์ ผู้อำนวยการศูนย์เศรษฐศาสตร์พฤติกรรมและการทดลอง อยากชวนทุกคนมาทำความเข้าใจ และ พูดคุยเรื่องนี้กันครับ... #TheMoneyCoachTH #MindyourMoney #เปิดพฤติกรรมทำไมเราใช้เงินแบบนี้

ถ้าคุณเคยคิดว่า คนเป็นมิจฉาชีพเพราะโดนหลอก หรือเป็นมิจฉาชีพเพราะเงินและผลตอบแทน รายการตอนนี้จะทำให้คุณรู้สึกทึ่ง เพราะจริงๆ แล้ว กระบวนการในการกล่อมเกลาให้คนธรรมดาคนหนึ่งกลายเป็นมิจฉาชีพเต็มรูปแบบนั้น มีความลึกซึ้ง ซับซ้อน และแยบยลกว่านั้นมาก เพราะเกิดจากการค่อยๆ เปลี่ยนแปลงจิตใจทีละเล็กละน้อย ค่อยๆ ลอกเปลือกแห่งมโนธรรมออกทีละชั้นๆ โดยที่เขาไม่ทันรู้ตัว ... ที่สำคัญคือ มีการบริหารคนแบบ "องค์กร" มี Career Path ไม่ต่างจากบริษัทที่เรารู้จัก ในรายการ mind your money episode นี้ โค้ชหนุ่ม The Money Coach และ รศ. ดร. ธานี ชัยวัฒน์ ผู้อำนวยการศูนย์เศรษฐศาสตร์พฤติกรรมและการทดลอง จะมาคุยกันว่า • Organized Crime หรือ อาชญากรรมองค์กร ต่างจากการก่ออาชญากรรมทั่วไป และมีความซับซ้อนยังไง? • ปัจจัยอะไรบ้างที่ทำให้คนตัดสินใจเป็นมิจฉาชีพโดยสมัครใจ • 4 กระบวนการกล่อมเกลา เพื่อเปลี่ยน “คนธรรมดา” ให้กลายเป็น “มิจฉาชีพ” มีอะไรบ้าง • การออกแบบวิธีจัดการองค์กรของแก๊งคอลเซนเตอร์ที่มี Career Path ชัดเจน ถ้าเราเชื่อว่า "คนทุกคนมีความดีเป็นพื้นฐาน" อะไรคือสิ่งที่เข้ามาลดทอนความดีนั้น อะไรคือสิ่งที่กล่อมเกลาคนธรรมดา ให้สามารถหลอกลวงผู้อื่นได้โดยไม่รู้สึกผิดใดๆ อยากชวนมาหาคำตอบไปพร้อมกันครับ... #TheMoneyCoachTH #MindyourMoney #เปิดพฤติกรรมทำไมเราใช้เงินแบบนี้

"สิ่งที่ทำให้เราถูกมิจฉาชีพหลอก คือ ความมั่นใจว่าจะไม่ถูกหลอก" ดูเป็นความย้อนแย้ง แต่มีส่วนจริง เพราะเมื่อมั่นใจเราอาจระวังตัวน้อยลง ที่สำคัญคือ มิจฉาชีพมีเทคนิคในการ "เปิดใจ" เหยื่อแต่ละคนต่างกัน... เหมือนที่ใครคนหนึ่งพูดไว้ว่า "There's a scam for everyone. the right one just has to find you." ทุกคนมีจุดอ่อนของตัวเอง และจะมีกลโกงบางอย่างที่ออกแบบมาให้ตรงกับจุดอ่อนนั้นพอดี ในรายการ mind your money Episode นี้ โค้ชหนุ่ม the money coach และ รศ. ดร. ธานี ชัยวัฒน์ ผู้อำนวยการศูนย์เศรษฐศาสตร์พฤติกรรมและการทดลอง จะมาตอบคำถามที่ว่า "กลโกงมิจฉาชีพ ทั้งๆ ที่รู้และเข้าใจ แต่ทำไมเรายังถูกหลอกกันอยู่" ผ่านเรื่องราวของ • ความมั่นใจที่มากเกินของเหยื่อ และวัฒนธรรมความเงียบส่งผลต่อการระบาดของมิจฉาชีพยังไง • 3 กลโกงที่มิจฉาชีพใช้ในการเปิดใจเหยื่อ • 3 วิธีที่จะทำให้เราไม่ถูกมิจฉาชีพหลอก ดูตอนนี้แล้ว เชื่อว่าทุกคนจะเข้าใจกลไกที่มิจฉาชีพใช้ และรู้วิธีที่จะทำให้เราปลอดภัยจากมิจฉาชีพได้อย่างเป็นรูปธรรมครับ และถ้าคิดว่ามีประโยชน์ อย่าลืมส่งให้คนใกล้ตัวดูกันด้วยนะครับ #TheMoneyCoachTH #MindyourMoney #เปิดพฤติกรรมทำไมเราใช้เงินแบบนี้

"เหลือเวลาอีก 2 นาที! สินค้าชิ้นสุดท้าย!" เสียงแจ้งเตือนดัง นิ้วสั่น กดซื้อไปแล้ว 3,500 บาท... พอตื่นเช้ามาเช็คแอปธนาคาร เราก็เริ่มคิด "ทำไมถึงซื้อของแบบนี้?" ..... เคยไหมครับ ที่รู้สึกเหมือนตัวเองถูก "สะกดจิต" ให้ซื้อของตอน Flash Sale? เคยไหม ที่พอเห็นป้าย "ลด 70%" แล้วสมองเราเหมือนถูกปิดสวิตช์? และทำไมพอหมดเวลาโปรฯ เราถึงรู้สึกเสียใจ... แม้จะไม่ได้อยากได้ของนั้นตั้งแต่แรก? เป็นไปได้ไหมว่าเราอาจกำลังเผชิญกับ "เกมการตลาด" ที่ถูกออกแบบมาให้เราแพ้! ด้วยกลยุทธ์ที่ใช้จิตวิทยาระดับโปร เล่นกับอารมณ์และความกลัวของเรา Mind your Money Episode รศ.ดร.ธานี ชัยวัฒน์ ผู้อำนวยการศูนย์เศรษฐศาสตร์พฤติกรรมและการทดลอง และ โค้ชหนุ่ม The Money Coach จะมาชวนทำความเข้าใจพฤติกรรมการช็อปปิ้งและ "สินค้าลดราคา" ให้รู้เท่าทัน 4 องค์ประกอบ ที่ทำให้สินค้าลดราคาดึงดูดใจผู้ซื้อได้สำเร็จมีอะไรบ้าง? เพราะอะไร การตัดสินใจซื้อจึงทำได้ง่ายกว่าการไม่ซื้อ แม้จะเป็นของที่เราไม่จำเป็นต้องใช้ ประเด็นทางจริยธรรม ที่อาจทำให้ผู้ซื้อตกเป็นเหยื่อของโปรโมชัน แนวทางรู้เท่าทัน ในการตัดสินใจซื้อของท่ามกลางโปรโมชันล่อตาล่อใจ เพื่อไม่ให้เดือดร้อนเรื่องเงิน ในการตัดสินใจซื้อ "สินค้าลดราคา" แต่ละครั้งนั้น คนที่คุ้มจริงๆ คือใคร? ผู้ซื้อ ที่ได้ของที่ต้องการในราคาที่ถูกลง หรือ ผู้ขาย ที่สร้างยอดขายได้สำเร็จ? ชวนทุกคนมาหาคำตอบไปพร้อมกันครับ... #TheMoneyCoachTH #MindyourMoney #เปิดพฤติกรรมทำไมเราใช้เงินแบบนี้

คุณกำลังเป็นหัวหน้าที่รู้สึกอึดอัดใจกับการต้องเป็นเจ้ามือในทุกวงสังสรรค์ของที่ทำงานอยู่ไหม? คุณเคยทำตัวไม่ถูกในช่วงออกเดต หรือ เริ่มต้นความสัมพันธ์ไหม ว่าคู่ของเราควรจัดการค่าใช้จ่ายยังไง? คุณเคยสงสัยไหม ว่าทำไมดีลใหญ่ๆ ไม่ว่าจะในบริษัท หรือ ในแวดวงการเมือง หลายครั้งจึงจบลงตั้งแต่บนโต๊ะอาหาร ไม่ว่าจะ "เปย์เพื่อน เปย์แฟน เปย์ลูกน้อง" เพราะอะไรเราถึงต้อง "เปย์" กันตลอดเวลา? เป็นไปได้ไหม ว่าเบื้องหลังการเปย์ทุกครั้ง มักซ่อนความหวังอย่างหนึ่งไว้... คือการอยากได้รับ "ความรัก" และ "การยอมรับ" แต่การเปย์จริงๆ แล้ว ทำให้เราถูกรักมากขึ้นจริงไหม? หรือเป็นเพียงแค่การ "ซื้อความรัก" ชั่วคราว? เมื่อไหร่ที่การเปย์ กลายเป็น "ภาระ" มากกว่า "ความรู้สึกดี"? ทำไมบางคนเปย์แล้วดูมีความสุข แต่บางคนเปย์แล้วกลับเครียด? เราจะหาตรงกลางในเรื่องนี้ได้อย่างไร? Mind your Money Episodeนี้ โค้ชหนุ่ม The Money Coach และ รศ. ดร.ธานี ชัยวัฒน์ ผู้อำนวยการศูนย์เศรษฐศาสตร์พฤติกรรมและการทดลอง ชวนทำความเข้าใจ "วัฒนธรรมสายเปย์" ผ่านมุมมองเศรษฐศาสตร์พฤติกรรม อยากชวนทุกคนมาทำความเข้าใจวัฒนธรรมนี้ให้ลึกขึ้น และค้นหาคำตอบว่า การเปย์แบบไหน ที่ทำให้ทั้งคนให้และคนรับ มีความสุขอย่างแท้จริงครับ #TheMoneyCoachTH #MindyourMoney #เปิดพฤติกรรมทำไมเราใช้เงินแบบนี้

เพราะมนุษย์เป็นสัตว์ที่ปรับตัวได้... การที่เรามีรายได้มากขึ้นแล้วจะใช้จ่ายมากขึ้นจึงไม่ใช่เรื่องผิดปกติอะไร “Lifestyle Inflation” อาจไม่ได้แย่... ถ้าอยู่ในระดับที่ “เหมาะสม” ความท้าทายในเรื่องนี้คือ “แค่ไหน?” เรียกว่า “เหมาะสม” เพราะอะไรเมื่อรายได้เพิ่ม เราถึงขยับไลฟ์สไตล์ขึ้นตามได้ง่าย แต่เมื่อรายได้ลด การปรับไลฟ์สไตล์ลงมาถึงทำได้ยากนัก Social Media และ สังคมในความรู้สึก ส่งผลต่อวิถีชีวิตของเราแค่ไหน “การบริโภค” เกี่ยวข้องยังไงกับการ “โอ้อวด” เราจะมีความสุขแบบเรียบง่ายได้ยังไงท่ามกลางสังคมที่ทุกคนแสดงตัวตนผ่านความมั่งมี ชวนหาคำตอบเหล่านี้ ผ่านมุมมองของเศรษฐศาสตร์พฤติกรรม กับ รศ. ดร.ธานี ชัยวัฒน์ ผู้อำนวยการศูนย์เศรษฐศาสตร์พฤติกรรมและการทดลอง และ โค้ชหนุ่ม The Money Coach ได้ในรายการ Mind Your Money Episode นี้ครับ #TheMoneyCoachTH #MindyourMoney #เปิดพฤติกรรมทำไมเราใช้เงินแบบนี้

"เวลาไหว้พระ หรือ สิ่งศักดิ์สิทธิ์ คุณขอพรไหม? ขอเรื่องอะไรบ้าง? ⠀⠀ เชื่อว่าหนึ่งในนั้นต้องมีเรื่อง "เงินๆ ทองๆ" แน่นอน จริงไหมครับ? ไม่ว่าจะเป็น "ขอให้รวย" "ขอให้เฮง" "ขอให้งวดนี้ถูกหวย" หรือแม้แต่ "ขอให้ประสบความสำเร็จในหน้าที่การงาน" เบื้องหลังก็ล้วนมีความหวังว่าจะประสบความสำเร็จทางการเงินจากการ "ขอ" หรือ “การมู” ⠀⠀ Mind your Money Episode นี้ โค้ชหนุ่ม The Money Coach ชวนทุกคนทำความเข้าใจเรื่อง “มู” ที่ยึดโยงกับเรื่อง “เงิน” ผ่านมุมมองของนักเศรษฐศาสตร์พฤติกรรม รศ. ดร.ธานี ชัยวัฒน์ ผู้อำนวยการศูนย์เศรษฐศาสตร์พฤติกรรมและการทดลอง ⠀⠀ • ไล่เรียงตั้งแต่ที่มาที่ไปของวัฒนธรรม “สายมู” ⠀⠀ • การมู ที่เป็นเหมือนการบริหารจัดการความเสี่ยงทางความรู้สึก ⠀⠀ • ทำความเข้าใจธุรกิจ “สายมู” ที่เปลี่ยนไปในโลกทุนนิยม ⠀⠀ • “คนมู” 2 แบบที่อยากชวนรู้จัก ⠀⠀ • และประเด็นที่น่าสนใจอื่นๆ อีกมากมาย ⠀⠀ อยากชวนทุกคนมาทำความเข้าใจวัฒนธรรมสายมูมากขึ้น และร่วมสำรวจว่าเราเอง เป็นนักมูสายไหน ในรายการตอนนี้ครับ .. #TheMoneyCoachTH #MindyourMoney #เปิดพฤติกรรมทำไมเราใช้เงินแบบนี้

"ออม" รู้ว่าดีแต่ทำไมทำไม่ได้? Mind your Money เอพิโสดนี้ เราตั้งต้นกันด้วยคำถามนี้... "การออม" คือ ความเจ็บปวด รศ. ดร.ธานี ชัยวัฒน์ ผู้อำนวยการศูนย์เศรษฐศาสตร์พฤติกรรมและการทดลองตอบมาแบบนั้น ถือเป็นประโยคที่ท้าทายความเชื่อ และทำให้โค้ชหนุ่ม The Money Coach ได้ชวนอาจารย์คุยประเด็นนี้ต่ออีกยาว คำถามที่เราจะหาคำตอบร่วมกัน: - เพราะอะไร การออมจึงเป็นความเจ็บปวด? - เพราะอะไร การออมจึงเป็นเรื่องยากสำหรับหลายคน? - ถ้าจะเก็บออมแบบไม่เจ็บปวดต้องทำยังไง? - เราจะเป็นอิสระและรู้เท่าทันแรงกดดันที่เป็นอุปสรรคของการออมได้อย่างไร? • รวมถึงยังมีประเด็นอื่นๆ ที่น่าสนใจ เช่น: - เพราะอะไร บางคนถึงเลือก "ออมผ่านการลงทุนในลูก" แทนการออมตรงๆ? - อะไรคือแรงผลักให้หลายคนเลือก "ออมในรูปของการทำบุญ"? - อยากชวนทุกคนที่รักการออม และ เกลียดกลัวการออมมารับฟังกันครับ #TheMoneyCoachTH #MindyourMoney #เปิดพฤติกรรมทำไมเราใช้เงินแบบนี้

BA Fam, this week’s BA QA Mandi is joined by her girl, Yanely Espinal aka Miss Be Helpful and author of Mind Your Money — to answer a listener question that so many of us can relate to: How do you financially support aging parents when there’s little to no retirement savings in place? Yanely shares the systems she and her eight siblings built to cover their parents’ expenses, including: Setting up a joint family fund to automate bill payments. Creating a fair way for siblings to contribute different amounts without judgment. Why a high-yield savings account beats investment accounts for immediate needs. Balancing financial support with maintaining their parents’ dignity and independence. How to set allowance boundaries when one parent struggles with gambling. Tips for protecting elderly parents from scams and keeping finances transparent among siblings. Let’s Connect:IG: @brownambitionpodcast | @mandimoneyEmail: brownambitionpodcast@gmail.com We launched a Patreon!

เชื่อว่าทุกคนคงเคยเกี่ยวข้องกับ "หวย" หรือ "ล็อตเตอรี่" ไม่ทางใดก็ทางหนึ่ง ถ้าไม่ซื้อเองก็มีคนใกล้ตัวที่ซื้อแน่ๆ หลายคนอาจสงสัย ว่าเพราะอะไรผู้คนยังชื่นชอบ สนุก หรือ มีหวังกับหวย ทั้งที่โอกาส "ถูกกิน" มีมากกว่าโอกาส "ถูกรางวัล" โค้ชหนุ่ม The Money Coach ชวน รศ. ดร.ธานี ชัยวัฒน์ ผู้อำนวยการศูนย์เศรษฐศาสตร์พฤติกรรมและการทดลอง มาพูดคุยถึงเรื่องนี้ โดยมีหลายแง่มุมที่น่าสนใจ ไม่ว่าจะเป็น - ที่มาที่ไปของหวยและล็อตเตอรี่ - ความสุขสองระดับจากการถูกรางวัล - การวัดความคุ้มค่าจากมุมมองทางเศรษฐศาสตร์ - ความสุขจากความหวัง คุ้มค่ากับราคาที่จ่ายไปหรือไม่ และ อื่นๆ อีกมายมาย ถ้าคุณไม่ชอบซื้อหวย คลิปนี้จะทำให้คุณเข้าใจผู้คนใกล้ตัวมากขึ้น แต่ถ้าการเสี่ยงโชคเป็นสิ่งที่อยู่ในสายเลือดคุณ คลิปนี้จะช่วยจัดสมดุลว่าเราจะมีความสุขจากความหวังอย่างไรจึงจะพอดี และไม่ลำบากกระเป๋าสตางค์ อยากชวนรับชม รับฟัง และแลกเปลี่ยนความคิดเห็นกันครับ #TheMoneyCoachTH #MindyourMoney #หวย #เปิดพฤติกรรมทำไมเราใช้เงินแบบนี้

Student loan repayments are officially back, and if you’re feeling overwhelmed, stressed, or just plain confused, you’re not alone. This week on Brown Ambition, we’re diving deep into the chaos with two of our favorite money minds: Yanely Espinal, author of Mind Your Money, and Chris Browning from Popcorn Finance. We break down what’s really going on inside the federal student loan system from glitchy portals to a laundry list of repayment plans and why so many borrowers are left in the dark. Here’s what we’re unpacking: -

Ever feel like your big break is just out of reach? What if you could start building your dream career now, without waiting for that one life-changing audition? Joining Jenni this week to share his inspiring journey and Digital CEO Success Story is Joey Freddy Larsen, a working actor who built a thriving coaching business for fellow performers by leveraging the tools and strategies he learned in Business By Design!  In this episode, Joey reveals how he transformed his passion for acting into a powerful digital platform, helping others nail their self-tapes and command the screen, one monologue at a time. Plus, you'll get to hear the way that Joey's proactive scaling led to an unexpected influx of hundreds of new clients for his business. If you're a creative entrepreneur who is ready to ditch the scarcity mindset and build a sustainable business doing what you love, just like Joey has, then this episode  is for you!  We just released the replays of my free 3-day training for digital course creators, called Your First Digital Product, which was the largest free masterclass that we've ever hosted! For a limited time only, you can get the replay at www.jameswedmore.com/fdp, but hurry as it's only available until May 28th.  Save the date, because May 29th we kick off our live virtual extravaganza that happens just once a year, our 3-part live week-long training experience, The Rise of the Digital CEO. You register and get on the waitlist NOW at www.businessbydesign.net/!  Before you go, snap a screenshot of the episode playing on your device, post it to your Instagram Stories and tag us, @jameswedmore @jeunejenni and @joeyfreddylarsen.  In this episode you'll hear:  Why Joey credits Business By Design's "Mind Your Money" bonus for shifting his money mindset and giving him the confidence to invest significantly in himself  The revenue growth his business has seen since joining Business By Design, driven by his membership model priced at $37/month The reason that Joey proactively scaled his coaching team from a few to twelve, and the immediately significant partnership opportunity this led to  His process of building a membership offer with using the processes in Business By Design and the biggest lessons he has learned in from BBD  His best advice to new entrepreneurs who are on the fence of building their digital offer For full show notes and links, visit: www.mindyourbusinesspodcast.com/blog/759 

You don't need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube"The most important decision you make ..."Chapters0:00 - Podcast Introduction - Island Inspiration and Oceanside Seminar Reflections1:05 - Food, Culture, and Street Market Adventures - Street Vendors and High-Quality Belts5:55 - Are We in a Recession Right Now?7:30 - How Recession Anxiety Impacts Federal Employees10:00 - Commercial Real Estate and Vacancy Rates12:00 - The $2.7 Trillion Commercial Debt Issue - Opportunities During Market Downturns18:35 - Recession Preparation Strategies21:40 - Health Tip: Gratitude as a Tool for Resilience23:00 - Final Thoughts and How to Build Your Financial HouseConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/Subscribe and Stay Updated: Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube#RetirementPlanning #OpenSeason2024 #FEHB #FederalEmployees #HealthInsurance #Podcast #FinancialWellness #CDFinancial #HealthMeetsWealth #InsuranceComparisonAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show

In this inspiring episode of the Latin Wealth Podcast, host Chris sits down with financial educator, author, and powerhouse speaker Yanely Espinal, also known as @missbehelpful. Yanely shares her incredible journey growing up in a Dominican household with nine siblings in Brooklyn, NY, to becoming a national voice for financial education and policy change.Now the Director of Educational Outreach at NextGen Personal Finance and a member of CNBC's Financial Wellness Council, Yanely breaks down how she overcame credit card debt, why she became passionate about personal finance, and what needs to change in the U.S. education system. She also dives deep into the importance of financial literacy for Latino families, how she launched her YouTube channel, and how she's helping push legislation to require personal finance education in all 50 states by 2030.We also talk about AI's role in the future of education, how Latinas can set up their families for generational wealth, and her best-selling book, Mind Your Money.This is a must-watch for first-gen entrepreneurs, educators, and anyone looking to break generational cycles and build real financial empowerment.

In this inspiring episode of the Latin Wealth Podcast, host Chris sits down with financial educator, author, and powerhouse speaker Yanely Espinal, also known as @missbehelpful. Yanely shares her incredible journey growing up in a Dominican household with nine siblings in Brooklyn, NY, to becoming a national voice for financial education and policy change.Now the Director of Educational Outreach at NextGen Personal Finance and a member of CNBC's Financial Wellness Council, Yanely breaks down how she overcame credit card debt, why she became passionate about personal finance, and what needs to change in the U.S. education system. She also dives deep into the importance of financial literacy for Latino families, how she launched her YouTube channel, and how she's helping push legislation to require personal finance education in all 50 states by 2030.We also talk about AI's role in the future of education, how Latinas can set up their families for generational wealth, and her best-selling book, Mind Your Money.This is a must-watch for first-gen entrepreneurs, educators, and anyone looking to break generational cycles and build real financial empowerment.

Today on Crina and Kirsten Get to Work, our hosts have “the talk”—no, not that one. We're talking money—earning it, saving it, investing it, and, most importantly, not stressing ourselves into a financial spiral.  While our dynamic duo are certainly not investment experts, they are two regular chicks talking about what regular chicks think about and do with their hard earned dollars. First things first: stop punishing yourself for things beyond your control (looking at you, scale). Instead, focus on what is in your control—like making smart money moves, setting yourself up for financial success, and dodging bad investment advice from that one cousin who just put every penny they have in crypto. Women have historically been encouraged to save, but not necessarily invest. That's changing. More women than ever are putting their money to work—seven in ten now own stock, a massive jump from last year. Gen Z women are leading the charge, with 71% already investing in the stock market, outpacing older generations. Even so, financial stress is real. More than half of working women feel behind on retirement savings, and nearly half say money negatively impacts their mental health. Despite the challenges—hello, gender pay gap, unpaid labor, and single-parent superhero status—women are financial powerhouses. We are most proud of providing for our families, paying off debt, and saving for the future. Unfortunately, the financial industry still has work to do to provide the kinds of services we women want. Nearly two-thirds of us lady breadwinners say it's patronizing, catered to men, and assumes their spouse is the primary earner. But that hasn't stopped us from taking charge of their money. The reality? By 2030, women in the U.S. will control much of the $30 trillion in assets currently held by baby boomers. That's a serious power shift. What is the biggest money regret we have? Not investing sooner. But here's the good news: it's never too late. Step one is checking in on your financial health—do you know your 401k balance? Can you cover an emergency expense? Then, put your money to work.  Women are stepping up, showing up, and investing like bosses. So let's keep the momentum going—our future (and our wallets) depend on it.

At nearly 40, Valerie is itching to pay off her student loans and finally become debt-free. But… how? On this episode of How To!, Carvell Wallace brings on Yanely Espinal, financial educator, author of Mind Your Money, and host of the Marketplace podcast Financially Inclined. Yanely breaks down the best ways to pay off your education debt without putting the rest of your life on hiatus. If you liked this episode check out: How To Make a Big Purchase Without Panicking Do you have a problem that needs solving? Send us a note at howto@slate.com or leave us a voicemail at 646-495-4001 and we might have you on the show. Subscribe for free on Apple, Spotify or wherever you listen. How To's executive producer is Derek John. Joel Meyer is our senior editor/producer. The show is produced by Rosemary Belson, with Kevin Bendis.

At nearly 40, Valerie is itching to pay off her student loans and finally become debt-free. But… how? On this episode of How To!, Carvell Wallace brings on Yanely Espinal, financial educator, author of Mind Your Money, and host of the Marketplace podcast Financially Inclined. Yanely breaks down the best ways to pay off your education debt without putting the rest of your life on hiatus.  If you liked this episode check out: How To Make a Big Purchase Without Panicking Do you have a problem that needs solving? Send us a note at howto@slate.com or leave us a voicemail at 646-495-4001 and we might have you on the show. Subscribe for free on Apple, Spotify or wherever you listen. How To's executive producer is Derek John. Joel Meyer is our senior editor/producer. The show is produced by Rosemary Belson, with Kevin Bendis.  Want more How To!? Subscribe to Slate Plus to unlock exclusive bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of the How To! show page. Or, visit slate.com/howtoplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

At nearly 40, Valerie is itching to pay off her student loans and finally become debt-free. But… how? On this episode of How To!, Carvell Wallace brings on Yanely Espinal, financial educator, author of Mind Your Money, and host of the Marketplace podcast Financially Inclined. Yanely breaks down the best ways to pay off your education debt without putting the rest of your life on hiatus.  If you liked this episode check out: How To Make a Big Purchase Without Panicking Do you have a problem that needs solving? Send us a note at howto@slate.com or leave us a voicemail at 646-495-4001 and we might have you on the show. Subscribe for free on Apple, Spotify or wherever you listen. How To's executive producer is Derek John. Joel Meyer is our senior editor/producer. The show is produced by Rosemary Belson, with Kevin Bendis.  Want more How To!? Subscribe to Slate Plus to unlock exclusive bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of the How To! show page. Or, visit slate.com/howtoplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

At nearly 40, Valerie is itching to pay off her student loans and finally become debt-free. But… how? On this episode of How To!, Carvell Wallace brings on Yanely Espinal, financial educator, author of Mind Your Money, and host of the Marketplace podcast Financially Inclined. Yanely breaks down the best ways to pay off your education debt without putting the rest of your life on hiatus.  If you liked this episode check out: How To Make a Big Purchase Without Panicking Do you have a problem that needs solving? Send us a note at howto@slate.com or leave us a voicemail at 646-495-4001 and we might have you on the show. Subscribe for free on Apple, Spotify or wherever you listen. How To's executive producer is Derek John. Joel Meyer is our senior editor/producer. The show is produced by Rosemary Belson, with Kevin Bendis.  Want more How To!? Subscribe to Slate Plus to unlock exclusive bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of the How To! show page. Or, visit slate.com/howtoplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

At nearly 40, Valerie is itching to pay off her student loans and finally become debt-free. But… how? On this episode of How To!, Carvell Wallace brings on Yanely Espinal, financial educator, author of Mind Your Money, and host of the Marketplace podcast Financially Inclined. Yanely breaks down the best ways to pay off your education debt without putting the rest of your life on hiatus.  If you liked this episode check out: How To Make a Big Purchase Without Panicking Do you have a problem that needs solving? Send us a note at howto@slate.com or leave us a voicemail at 646-495-4001 and we might have you on the show. Subscribe for free on Apple, Spotify or wherever you listen. How To's executive producer is Derek John. Joel Meyer is our senior editor/producer. The show is produced by Rosemary Belson, with Kevin Bendis.  Want more How To!? Subscribe to Slate Plus to unlock exclusive bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of the How To! show page. Or, visit slate.com/howtoplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

At nearly 40, Valerie is itching to pay off her student loans and finally become debt-free. But… how? On this episode of How To!, Carvell Wallace brings on Yanely Espinal, financial educator, author of Mind Your Money, and host of the Marketplace podcast Financially Inclined. Yanely breaks down the best ways to pay off your education debt without putting the rest of your life on hiatus.  If you liked this episode check out: How To Make a Big Purchase Without Panicking Do you have a problem that needs solving? Send us a note at howto@slate.com or leave us a voicemail at 646-495-4001 and we might have you on the show. Subscribe for free on Apple, Spotify or wherever you listen. How To's executive producer is Derek John. Joel Meyer is our senior editor/producer. The show is produced by Rosemary Belson, with Kevin Bendis.  Want more How To!? Subscribe to Slate Plus to unlock exclusive bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of the How To! show page. Or, visit slate.com/howtoplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

At nearly 40, Valerie is itching to pay off her student loans and finally become debt-free. But… how? On this episode of How To!, Carvell Wallace brings on Yanely Espinal, financial educator, author of Mind Your Money, and host of the Marketplace podcast Financially Inclined. Yanely breaks down the best ways to pay off your education debt without putting the rest of your life on hiatus.  If you liked this episode check out: How To Make a Big Purchase Without Panicking Do you have a problem that needs solving? Send us a note at howto@slate.com or leave us a voicemail at 646-495-4001 and we might have you on the show. Subscribe for free on Apple, Spotify or wherever you listen. How To's executive producer is Derek John. Joel Meyer is our senior editor/producer. The show is produced by Rosemary Belson, with Kevin Bendis.  Want more How To!? Subscribe to Slate Plus to unlock exclusive bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. Subscribe now on Apple Podcasts by clicking “Try Free” at the top of the How To! show page. Or, visit slate.com/howtoplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

Kick off the New Year by gaining valuable financial insights. In this episode of the Mind Your Money podcast, Trent and Brandon dive deep into listener questions covering a wide range of topics. Join them as they break down questions around maximizing 401(k)s, when you should be looking at taking your Social Security benefit, how spouses can get on the same page financially, and the fear of a future market crash. Here's some of what we discuss in this episode: Spousal Financial Harmony: Discover practical strategies to bridge the gap between spouses' financial perspectives and achieve shared goals. 401(k) Optimization: Learn how to maximize your 401(k) contributions and investment choices to build a strong retirement foundation. Social Security Timing: Explore the complexities of Social Security benefits and determine the optimal age to start claiming to maximize your lifetime income. Conquering Market Crash Anxiety: Address the fear of market downturns and develop a robust investment strategy that can weather economic storms.   Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

In this episode of Mind Your Money, Trent and Brandon cover a few different topics. First, they explore the pros and cons of using dividend-paying stocks as a retirement income strategy. They'll also dive into the impact of market crashes and how your stage in life influences your approach to risk management. Finally, they explore the key differences in retirement planning for Baby Boomers and Gen Xers. This episode covers a lot of ground, so be sure to reach out to Trent and Brandon if you have any questions. They're here to help! Here's some of what we discuss in this episode: Some pros and cons of dividend stocks + taking a balanced approach to investing The impact of market crashes on different age groups The differences in retirement planning for Gen X and Baby Boomers Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260  

Remember when you were a kid, always asking 'How do you know?' about everything, like why the sky is blue or where the sun goes at night? That curiosity doesn't go away as we get older; it just turns into different questions, like the ones we face when planning for retirement. Today, we're digging into the 'How Do You Knows' of retirement planning. How do you know how much income you'll need when you retire? How do you know if an advisor is a good fit for you or not? Tune in as Trent and Brandon answer these questions and more on this week's episode of Mind Your Money!   Here's some of what we discuss in this episode: How do you know how much income you'll need when you retire? How do you know how much money you should have in your savings account? How do you know how much risk you should be taking with your investments? How do you know if an advisor is a good fit for you or not? How do you know how long your retirement savings need to last?   Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260  

We create what we believe, so it's essential to examine those deep thoughts and let go of what doesn't serve us. That's how we become wired for wealth, happiness, and the life of our dreams. Stacy Townsend is an executive coach, speaker, entrepreneur and investor. A Canadian by birth, she has been happily traveling and living around the world since 2007, and is now overlooking the Atlantic Ocean in Portugal. Stacy believes we are all born to be prosperous and thrive. As founder of Women Wired for Wealth she loves helping women entrepreneurs reconstruct and elevate their relationship with money, so they can create the financial freedom they not only desire, but deserve. Stacy has created a life of financial freedom through her 17 years experience as a successful executive mindset coach and her success in building businesses and investing. She enjoys a fulfilling life where money flows, opportunities arise, and daily fun, adventure and impact has become possible. Through her group coaching and online programs, she now helps other women do the same. She teaches them financial skills and strategies - and most importantly - how to personally align with the energy and psychology of money flow, so they, too, can create their own rich lives, both inside and out. Stacy is on a mission for every woman to become her own greatest success story, and become a beacon of expanded possibility - and financial freedom! - for every other woman around her. She believes that we light the way for each other. You can find out more about Stacy and her group coaching with women entrepreneurs on www.WomenWiredforWealth.com. You can also sign up for “Mind Your Money to Millions” live calls. These are free Zoom calls held every two weeks, where you get to put a spotlight on your relationship with money, ask questions and walk away a little more abundant each and every session. Social media handles: stacytownsend.womenswealth on instagram and Facebook. Interested in learning how to create your own podcast? Check out Karaleigh's new Podcast Creation Course here: https://podcastlikeamother.thinkific.com/courses/podcastcreationcourse Learn more about Karaleigh on her website www.karaleighgarrison.com Find the Podcast Like A Mother podcast here: ⁠https://podcasts.apple.com/us/podcast/podcast-like-a-mother/id1718846989⁠ --- Support this podcast: https://podcasters.spotify.com/pod/show/multipassionatemama/support

Children and grandchildren are a gift to many but they also introduce a unique set of financial responsibilities and questions that you may not have otherwise faced. In today's episode, we explore how these family dynamics impact your financial planning, especially when it comes to legacy and long-term care. Join Trent and Brandon as they dive into the most common scenarios where future generations influence retirement planning. They'll cover topics such as managing finances in a blended family, creating lasting legacies, and finding the right balance between retirement goals and family needs. Don't miss these valuable insights from the Mind Your Money podcast!   Here's some of what we discuss in this episode: Life insurance as a means to transition assets from one generation to the next Aging parents counting on their children to take care of them later in life Handling the finances of blended families Lending money to children   Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260  

Are you confident in your choice of financial advisor? In our latest episode of the Mind Your Money podcast, Trent Bradshaw and Brandon Rogers from Bradshaw Rogers Financial Partners discuss the common mistakes people make when selecting a financial advisor. Learn about the importance of understanding advisor compensation, the pitfalls of trusting big brand names, and the significance of checking credentials and fiduciary status. Don't miss these valuable insights to help you make informed decisions about your financial future.   Here are some of the excuses we'll discuss in the episode: Not understanding how the advisor gets paid Putting too much trust in a recognizable national brand name Nodding and smiling instead of asking for clarification on things you don't understand Working with someone with the wrong specialty Not checking credentials or the advisor's background Ignoring the advisor's fiduciary status Not covering expectations for communication style & frequency Forgetting to ask about the advisor's network and resources (like estate planning contacts, CPA relation-ships, etc.) Not asking about the advisor's succession plan Not requesting examples of success stories or references To hear more about these common mistakes and how to avoid them, listen to the full episode of the Mind Your Money podcast.   Contact: Website: http://bradshawfp.com  Email: office@bradshawfp.com Call: 704-216-2260

Mind Over Matters W/ Dr. Aimee - Mind Your Money Apr 21 2024 by WCPT 820 AM

Yanely Espinal is a financial educator and author of “Mind Your Money”. She shares her story of growing up in NYC. We tap into the stigma of not discussing money in our Latino communities. The stigma of growing up being on public assistance. She shares on why she wrote her book. She gives tips on ways to invest, planning for retirement and ways we social workers can navigate our benefits when we start a new job. Mind Your Money is available at MindYourMoneybook.com or wherever you buy your books. Honestly i wish I had a book like this back in 2015. Such an easy read and full of useful information to help with your finances. #socialwork #financialliteracy #financialeducation Follow the podcast on Social Media: IG: @thesocialworkrantspodcast X: @socialworkrants Facebook: The Social Work Rants Podcast

Today's guest is Tim Ranzetta, co-founder of Next Gen Personal Finance, a non-profit organization working to increase access to financial education. In today's episode, Tim updates us on everything going on with Next Gen Personal Finance. You all know I'm a huge proponent of teaching kids personal finance and Tim is as focused on this making this happen as much as anyone. He talks about “Mission 2030,” which is to guarantee every high school student in the US takes at least one semester-long personal finance course by 2030.  Tim also shares how you can get involved in your community, along with some books and podcasts he'd suggest for kids to teach them about personal finance. I have a feeling in 7 years, Tim will be back on the show to celebrate achieving Mission 2030.   Listen to Tim's first appearance on The Meb Faber Show here. (1:30) - Welcome to our guest, Tim Ranzetta; Tim's first episode on the podcast (2:03) - Update on Next Gen Personal Finance (8:25) - Financial education in California (13:31) - Financial education in schools (18:27) - Designing the curriculum for personal finance in high schools (25:57) - What the future looks like for Next Gen Personal Finance (27:49) - How you can get involved  (33:01) - Psychology of Money by Morgan Housel; Mind Your Money by Yanely Espinal; How to Adult by Jake Cousineau; Gen Z Money $ense by Ella Gupta (34:55) - Lessons learned over the years (38:42) - The Invest America program  Learn more about Tim: Financial4ca.com; Next Gen Personal Finance ----- Follow Meb on Twitter, LinkedIn and YouTube For detailed show notes, click here To learn more about our funds and follow us, subscribe to our mailing list or visit us at cambriainvestments.com ----- Sponsor: Today's episode is sponsored by YCharts. YCharts enables financial advisors to make smarter investment decisions and better communicate with clients. Visit YCharts to start your free trial and be sure to mention "Meb" for 20% off your subscription (new clients only). Sponsor: Today's episode is sponsored by The Idea Farm. The Idea Farm gives you access to over $100,000 worth of investing research, the kind usually read by only the world's largest institutions, funds, and money managers. Subscribe for free here. Follow The Idea Farm: Twitter | LinkedIn | Instagram | Tik Tok ----- Interested in sponsoring the show? Email us at Feedback@TheMebFaberShow.com ----- Past guests include Ed Thorp, Richard Thaler, Jeremy Grantham, Joel Greenblatt, Campbell Harvey, Ivy Zelman, Kathryn Kaminski, Jason Calacanis, Whitney Baker, Aswath Damodaran, Howard Marks, Tom Barton, and many more.  ----- Meb's invested in some awesome startups that have passed along discounts to our listeners. Check them out here!  Learn more about your ad choices. Visit megaphone.fm/adchoices

Was money something you learned about in school? We're not talking about math classes like geometry or pre-cal, we're talking about personal finance — the art of managing our dollars. While some of us were lucky enough to learn personal finance from our parents, an aunt or another money-savvy family member, most of us never took a single personal finance class in school before we opened our first bank account. Yanely Espinal, author of Mind Your Money, Insightful Stories and Strategies to Help You Reach Your #MoneyGoals has made it her mission to teach kids the lessons she didn't learn young, so they can make smarter decisions about money. Listen in for her number one piece of advice on teaching kids key personal finance lessons early.  In Mailbag, we hear from a listener who's mentoring a teenager on how to manage her finances and is looking for next steps. We also check in with someone who's filing for divorce and wondering if now is the right time to start collecting Social Security. In our money tip of the week, the cost of ignoring your finances is steep (we're talking $2,000 a year). If you've been dragging your feet on creating a budget that works for you, join us for our next session of FinanceFixx on January 23rd.   Have thoughts about the show that you're dying to share? Take our podcast and community survey! We can't wait to hear what you think.  The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our relationship with money goes deeper than numbers on a spreadsheet? It all starts in our mind. My guest today is award-winning financial educator and author of the book "Mind Your Money," Yanely Espinal. She joins me to spotlight the emotional and psychological aspects that influence how we manage, spend, and even talk about money. Yanely shares openly about growing up below the poverty line, only realizing she was different when applying for financial aid programs in high school. She unpacks the guilt and scarcity mindset that held her back along with the shopping addiction tied to wanting to feel normal.  Now a leading voice in financial literacy advocacy, Yanely is on a mission to transform money mindsets through education. She offers tangible advice around childhood financial trauma, automating your savings to avoid temptations to spend, finding community support, and the importance of making money conversations mainstream. In this vulnerable conversation we explore the roots of financial trauma and how becoming aware of our own money stories is the first step toward real change.   Resources Mentioned Yanely's Book: https://www.mindyourmoneybook.com/ Yanely's Website: https://www.missbehelpful.com Californian's For Financial Education Initiative: https://www.financialed4ca.com/ Take a few minutes to uncover the cost of your money story? https://www.testyournerve.com More about this episode: https://go2.money/story   Wishing you all a joyful and prosperous new year! We will be back in February 2024.  

Episode 238 talks about how to mind your money, featuring Yanely Espinal. Listen to episode 238 now wherever you stream podcasts!Yanely Espinal is a Brooklyn-born ball of energy with an intimate knowledge of where financial education meets politics in America. Known as "MissBeHelpful" on Instagram and YouTube, she's a passionate financial educator with a new book titled, "Mind Your Money: Insightful Stories and Strategies to Help You Reach Your #MoneyGoals." Mind Your Money quickly became an Amazon Bestseller, selling thousands of copies to date. The book teaches personal finance concepts through personal stories, and advocates for financial literacy within the public school system. In her role as Director of Educational Outreach at Next Gen Personal Finance and the Mission 2030 Fund, she successfully advocated for laws that require personal finance for high school graduation in many states including Florida, Michigan, Georgia, Rhode Island, Indiana and North Carolina. Yanely is a member of CNBC's Financial Wellness Advisory Council and she hosts Financially Inclined from Marketplace, a video podcast for teens about money lessons for living life your own way! Learn more about her work at mindyourmoneybook.comFor full episode show notes, visit here.Loving episode 238? Leave us a review if you're listening on Apple Podcasts and follow us on Instagram & YouTube!Until next time, stay empowered, stay inspired and #staypoderosa ✨WANT TO KICKSTART YOUR FINANCIAL JOURNEY? Download our FREE 14-page guide covering all the topics you need to start making your dinero moves. Visit here.Check out these YQD™ Partners:BetterHelp—Professional support when you need it, at the fraction of the cost of in-person therapy. Get 10% off your first month with our sponsor

Check out our latest IG live replay as our host Jannese answers listener questions and talks all things 401Ks, side hustles and FI/RE!Episode 228 Highlights:How to juggle between side hustles and a FT jobAt what point did Jannese realize she reached FI (financial independence)How long did it take her to reach FI/REShould you contribute to a ROTH IRA or a 401K?How to invest as a newbieDo you need a financial advisor to manage your dinero?Managing her property in Puerto Rico when she's not living there full timeHow to handle old retirement accountsWhat bank is good to start a 401K?Book recommendations:I Will Teach You to be Rich by Ramit SethiMind Your Money by Yanely EspinalWealth Warrior by Linda GarciaResources mentioned:CapitalizeWant to turn your passion in profit? Sign up for our FREE MASTERCLASS to learn how Jannese was able to take a side hustle into a full time entrepreneurial career, and how YOU can too! During this live class, we're gonna have f*ck-ton of fun learning how to bring in more dinero each month with a side hustle you love. This webinar will give you a clear road map for starting and growing a profitable side hustle. From mindset and monetizing your ideas, to managing taxes and a lot more. GRAB YOUR SEAT TODAY!Loving episode 228? Leave us a review if you're listening on Apple Podcasts and follow us on Instagram & YouTube!Until next time, stay empowered, stay inspired and #staypoderosa ✨ BetterHelp—Professional support when you need it, at the fraction of the cost of in-person therapy. Get 10% off your first month with our sponsor

It's the biggest lie in personal finance you can believe: You're either born with financial knowledge or you're destined to become a financial failure forever. And there's no between.  That is completely false—and my guest today is ready to flip the script on everything you thought you knew about money. While working as an elementary school teacher, Yanely Espinal decided to change her financial life by paying off $20,000 of debt in just 18 months. Then in 2015 she started a YouTube channel to help others learn the money skills she never learned in school called MissBeHelpful. And it has over 2.5 million views,    Today, Yanely works with a nonprofit called Next Gen Personal Finance, where she's on a mission to ensure every high school student gets a full semester of personal finance education. And she's the author of the new book, Mind Your Money.    In our conversation, Yanely reveals why her understanding of money was rooted in shame and embarrassment for so long and the biggest lies so many students and entrepreneurs believe about money. Plus, how she was able to pay off $20k of debt as a teacher and why lending money to a friend can be a huge mistake. This is a no-shame and candid money conversation I think you'll love.    Buy Yanely's new book HERE.   Order your copy of the USA Today and Wall Street Journal bestselling book Good Money Revolution here: https://amzn.to/34hSonE   Ready to take your business to the next level? Schedule a call with Derrick today here: www.GoodMoneyFramework.com/consulting   For daily tips to help you make and save money, follow us on Instagram @derricktkinney 

About Yanely Espinal Yanely Espinal is a Brooklyn-born, ball of energy! She's an educator with a gift for storytelling and a passion for explaining financial concepts in a straightforward way. In 2015 she started a YouTube channel, called MissBeHelpful, which now has over 4 million views! Her goal is to help others learn the money skills she never learned in school. And - as director of educational outreach for NGPF, Yanely is also working to ensure that every high school student gets a full semester of personal finance education before they graduate. Yanely is also a member of the CNBC Financial Wellness Council and her debut book, Mind Your Money, was published on May 30, 2023. What You'll Learn In this episode we talk about: Tips for writing when you have blank page cursor anxiety How Yanely found herself in $20,000 of credit card debt during college Approaching financial education in a much more approachable way Getting your mind right with money Feeling better about your finances when you're going through tough times The behavioral economic philosophy of “choosing chocolate”  Why we should start with our net worth The balance between regulation and education Resources Grab a copy of Mind Your Money book Yanely's Instagram Support Our Sponsors Save time and eat tasty meals. Try Factor and receive 50% off your first box at FactorMeals.com/moneynerds50 Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/moneynerds Learn more about your ad choices. Visit podcastchoices.com/adchoices

Tiffany is joined by Yanely Espinal. Yanely is the author of Mind Your Money, Creator at MissBeHelpful, & Director of Educational Outreach at Next Gen Personal Finance. The ladies discuss the process of getting bills passed through congress, book inspirations, and Yanely's story about getting caught stealing. Yanely ends this episode by talking about her first interactions with white people and how everything in her life has come full circle.mindyourmoneybook.comDrop us a note at brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.

Tiffany is joined by Yanely Espinal. Yanely is the author of Mind Your Money, Creator at MissBeHelpful, & Director of Educational Outreach at Next Gen Personal Finance. The ladies discuss the process of getting bills passed through congress, book inspirations, and Yanely's story about getting caught stealing. Yanely ends this episode by talking about her first interactions with white people and how everything in her life has come full circle. mindyourmoneybook.com Drop us a note at brownambitionpodcast@gmail.com or hit us up on Instagram @brownambitionpodcast. Learn more about your ad choices. Visit podcastchoices.com/adchoices

We're joined today by Yanely Espinal, who is also known as MissBeHelpful in the online world of personal finance. Yanely was born in Brooklyn, she is a first generation daughter of immigrants, and even though she went to Brown University it didn't take long for her to rack up over $20,000 in credit card debt. Academic performance doesn't automatically mean that you know how to handle your money, and Yanely knew that she needed to make some changes! Before long she was sharing her experience online in order to help others and she parlayed her teaching career into serving as the Director of Educational Outreach at Next Gen Personal Finance. And now she's recently published her first book: Mind Your Money. She is also currently on a political roller coaster ride across the country in order to convince lawmakers to make personal finance a high school graduation requirement. Listen as we talk about all of this and more today!   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed a Codebreaker West Coast IPA by Trademark Brewing. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out!See omny.fm/listener for privacy information.

Yanely Espinal, personal finance educator, advocate and new author, joins the Journey to Launch podcast to discuss how she is changing the law one state at a time, why money needs more nuance, and how we can address systemic issues for real change.  Yanely has a successful YouTube Channel with over 50k subscribers, a new book, "Mind Your Money,” and professionally focuses on personal finance curriculum, teaching students, teachers, and professionals about financial literacy. We also chat about the hurdles Yanely faces within the political system vying for mandated personal finance education, navigating migrant remittances with empathy first, if she still sleeps in a hammock, and more. In this episode, you'll learn more about: The ways Yanely persuades lawmakers to prioritize requiring personal finance education for high school students  Why upskilling teachers is not only needed but necessary for teaching personal finance effectively in 2023  How to navigate remittances with your siblings, support loved ones without giving cash, and the importance of therapy and behavioral economics The nuances of personal finances in immigrant families, addressing broader systemic issues for change + more Other Links Mentioned in episode: How To Pay Off Debt & Merge Your Talents  Gabrielle Union & Dwayne Wade Split Their Bills 50/50 Ngpf.org Check out my new personal website here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Yanely: Website Instagram: @MissBeHelpful Facebook: @MissBeHelpful Twitter:@MissBeHelpful Youtube: @MissBeHelpful Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Tech tensions between the U.S. and China continue to heat up. Micron is stuck in the middle and Apple looks to future-proof its supply chain.  [00:21] Asit Sharma and Dylan Lewis discuss: China's ban on Micron chips for companies working on key infrastructure projects. Apple's multibillion dollar deal with Broadcom and the company's increased investment in U.S. manufacturing and supply chain. How investors should be looking at the tech hardware companies in their portfolio. [13:57] Deidre Woollard talks with Yanely Espinal, author of "Mind Your Money," about the unique challenges that immigrant families face while saving for retirement and the dangerous appeal of "Buy Now Pay Later." Companies discussed: MU, AAPL, AVGO, BRK Host: Dylan Lewis Guests: Asit Sharma, Deidre Woollard, Yanely Espinal Producer: Ricky Mulvey Engineers: Dan Boyd, Austin Morgan

You may remember that the last two years we released a special series on the podcast called the “12 Days of Abundance”, and the feedback was so incredible that we just knew we had to bring it back again this year! Not only is it a festive time right now, but it's a time of reflection, as well as a time to look ahead at how we can make the next 12 months abundant for us. What I share in the next 12 days is so important, because as a business owner, if you don't have an abundant mindset it's going to be really hard to attract more of what you want! As you listen to these 12 episodes, you'll have the opportunity to take notes, to follow through on the exercises and to listen to any trainings you might have missed! Go to https://jameswedmore.com/12days to receive access to the free training videos and to download your free 12 Days of Abundance workbook to get the most of these trainings – and easily apply them to your life and business! During the 12 days you may have heard me mention Mind Your Money, my 31-day guide designed to help you create a brand new relationship with money. Up until now it was only available as a secret bonus for Business By Design members, but guess what? For the next few days only, you can purchase Mind Your Money for only $297 (a $200 discount). To sign up now, all you have to do is go to mindyourmoney.com! If this episode inspired you in some way, take a screenshot of you listening on your device and post it to your Instagram Stories, and tag me, @jameswedmore. How would you like to discover how to attract your first 100 leads that actually want to buy your stuff? Grab our free 14-part video course here - http://jameswedmore.com/100. Haven't left a review yet? All you have to do is go to http://jameswedmore.com/itunes, and thanks for your support of this show! I want to invite you to help contribute to this podcast by submitting a question for a #Q&AEdition of The Mind Your Business Podcast. All you have to do is go to http://jameswedmore.com/QA and record a question (under 4 minutes or less) that could be featured on an upcoming episode. In this episode you'll hear: How having an “A or B” mindset limits your possibilities What will happen when you start operating from true abundance A time when I found myself in and “A or B” mindset – and how I got out of it The biggest fear I had when expanding my business One of my best abundance hacks, and so much more! For full show notes and links, visit: https://www.mindyourbusinesspodcast.com/blog/588 

You may remember that the last two years we released a special series on the podcast called the “12 Days of Abundance”, and the feedback was so incredible that we just knew we had to bring it back again this year! Not only is it a festive time right now, but it's a time of reflection, as well as a time to look ahead at how we can make the next 12 months abundant for us. What I share in the next 12 days is so important, because as a business owner, if you don't have an abundant mindset it's going to be really hard to attract more of what you want! As you listen to these 12 episodes, you'll have the opportunity to take notes, to follow through on the exercises and to listen to any trainings you might have missed! Go to https://jameswedmore.com/12days to receive access to the free training videos and to download your free 12 Days of Abundance workbook to get the most of these trainings – and easily apply them to your life and business! During the 12 days you may have heard me mention Mind Your Money, my 31-day guide designed to help you create a brand new relationship with money. Up until now it was only available as a secret bonus for Business By Design members, but guess what? For the next few days only, you can purchase Mind Your Money for only $297 (a $200 discount). To sign up now, all you have to do is go to mindyourmoney.com! If this episode inspired you in some way, take a screenshot of you listening on your device and post it to your Instagram Stories, and tag me, @jameswedmore. How would you like to discover how to attract your first 100 leads that actually want to buy your stuff? Grab our free 14-part video course here - http://jameswedmore.com/100. Haven't left a review yet? All you have to do is go to http://jameswedmore.com/itunes, and thanks for your support of this show! I want to invite you to help contribute to this podcast by submitting a question for a #Q&AEdition of The Mind Your Business Podcast. All you have to do is go to http://jameswedmore.com/QA and record a question (under 4 minutes or less) that could be featured on an upcoming episode. In this episode you'll hear: How abundance truly is a choice that we all have The story of how I learned the true meaning of the word A metaphor about a river, and how it relates to abundance And much more! For full show notes and links, visit: https://www.mindyourbusinesspodcast.com/blog/578 

You may remember that the last two years we released a special series on the podcast called the “12 Days of Abundance”, and the feedback was so incredible that we just knew we had to bring it back again this year! Not only is it a festive time right now, but it's a time of reflection, as well as a time to look ahead at how we can make the next 12 months abundant for us. What I share in the next 12 days is so important, because as a business owner, if you don't have an abundant mindset it's going to be really hard to attract more of what you want! As you listen to these 12 episodes, you'll have the opportunity to take notes, to follow through on the exercises and to listen to any trainings you might have missed! Go to https://jameswedmore.com/12days to receive access to the free training videos and to download your free 12 Days of Abundance workbook to get the most of these trainings – and easily apply them to your life and business! During the 12 days you may have heard me mention Mind Your Money, my 31-day guide designed to help you create a brand new relationship with money. Up until now it was only available as a secret bonus for Business By Design members, but guess what? For the next few days only, you can purchase Mind Your Money for only $297 (a $200 discount). To sign up now, all you have to do is go to mindyourmoney.com! If this episode inspired you in some way, take a screenshot of you listening on your device and post it to your Instagram Stories, and tag me, @jameswedmore. How would you like to discover how to attract your first 100 leads that actually want to buy your stuff? Grab our free 14-part video course here - http://jameswedmore.com/100. Haven't left a review yet? All you have to do is go to http://jameswedmore.com/itunes, and thanks for your support of this show! I want to invite you to help contribute to this podcast by submitting a question for a #Q&AEdition of The Mind Your Business Podcast. All you have to do is go to http://jameswedmore.com/QA and record a question (under 4 minutes or less) that could be featured on an upcoming episode. In this episode you'll hear: Why you won't be able to operate in abundance if you feel threatened by “competitors“ One question to ask yourself about competition that will help completely change your mindset A story of how I chose collaboration over competition And so much more! For full show notes and links, visit: https://www.mindyourbusinesspodcast.com/blog/586 

You may remember that the last two years we released a special series on the podcast called the “12 Days of Abundance”, and the feedback was so incredible that we just knew we had to bring it back again this year! Not only is it a festive time right now, but it's a time of reflection, as well as a time to look ahead at how we can make the next 12 months abundant for us. What I share in the next 12 days is so important, because as a business owner, if you don't have an abundant mindset it's going to be really hard to attract more of what you want! As you listen to these 12 episodes, you'll have the opportunity to take notes, to follow through on the exercises and to listen to any trainings you might have missed! Go to https://jameswedmore.com/12days to receive access to the free training videos and to download your free 12 Days of Abundance workbook to get the most of these trainings – and easily apply them to your life and business! During the 12 days you may have heard me mention Mind Your Money, my 31-day guide designed to help you create a brand new relationship with money. Up until now it was only available as a secret bonus for Business By Design members, but guess what? For the next few days only, you can purchase Mind Your Money for only $297 (a $200 discount). To sign up now, all you have to do is go to mindyourmoney.com! If this episode inspired you in some way, take a screenshot of you listening on your device and post it to your Instagram Stories, and tag me, @jameswedmore. How would you like to discover how to attract your first 100 leads that actually want to buy your stuff? Grab our free 14-part video course here - http://jameswedmore.com/100. Haven't left a review yet? All you have to do is go to http://jameswedmore.com/itunes, and thanks for your support of this show! I want to invite you to help contribute to this podcast by submitting a question for a #Q&AEdition of The Mind Your Business Podcast. All you have to do is go to http://jameswedmore.com/QA and record a question (under 4 minutes or less) that could be featured on an upcoming episode. In this episode you'll hear: Where most people think money comes from (and why this is wrong) The one book that changed everything about the way that I think of abundance What happens to abundance when you act from a place of fear The simple principle of abundance that I live by (and works!) and much more! For full show notes and links, visit: https://www.mindyourbusinesspodcast.com/blog/589