Podcasts about san diego financial literacy center

In this excellent episode, Nancy and Jose are joined in the studio by Chase Peckham, the Director of Community Outreach at the San Diego Financial Literacy Center. Learn about Chase's experience and observations around financial literacy. He reflects on his early experiences of being read to by his parents and how he later discovered his talent for storytelling when reading to his own kids. He thinks back on the books that had a profound influence on his life, such as "Rocky" and "The Count of Monte Cristo," which gave him a passion for storylines with strong protagonists.As he moves on to financial literacy, Chase opens up about his own financial hardships, including building up credit card debt at the beginning of his baseball career. He describes the turning point in his life when his parents declined to save him, which made him take charge of his money and make challenging lifestyle adjustments. Motivated by his personal experience, Chase pursues his career in financial education, stressing the value of awareness and decision-making in money management.Chase offers insightful guidance for parents, urging candid discussions about money and responsibility with kids at an early age. He makes comparisons between managing finances and keeping up a healthy diet, emphasizing the significance of creating realistic budgets and sustainable lifestyle decisions. Chase's enthusiasm for equipping people with financial literacy is evident throughout the episode, providing guidance and helpful advice for overcoming the challenges associated with managing personal finances.An excellent episode on filling gaps in the community with Chase Peckham. Here are some other takeaways from the interview:Chase Peckham talks on the importance of financial literacy and shares his experience in this area as the director of community outreach at the San Diego Financial Literacy Center.Chase encourages parents and kids to have honest discussions about financial obligations at a young age, stressing the need of knowledge and decision-making in financial management.Chase's commitment to providing people with financial literacy is evident throughout the show, as he provides motivation and useful guidance for managing the difficulties of personal money.The answers to the rapid-fire questions.An excellent interview from a passionate gap minder. Thank you, Chase, for your contributions in San Diego, and for joining us on The Gap Minders.Enjoy this episode and be sure to subscribe to the show.If you have any questions or want to contact Nancy or Jose, please send an email to podcast@uwsd.org. Thank you for listening.To learn more about the two social impact organizations making The Gap Minders possible, please visit www.TheGapMinders.org.

Jon's Bio:Jon Luskin is a fee-only, advice-only CERTIFIED FINANCIAL PLANNER™ (CFP®) professional and fiduciary in sunny San Diego, California. Jon specializes in providing hourly advice to do-it-yourself investors.Jon is a long-time advocate of simple, low-cost investing. His master's thesis showed how university endowments can generate more wealth (and take on less risk) by using passive index funds. Jon's other research has been published in the peer-reviewed Financial Planning Association's Journal of Financial Planning. Jon has had the fortune of presenting his research to advisors across the country.For his contribution to the industry, Jon has been recognized as one of the financial planning industry's top young advisors by InvestmentNews magazine. Jon has been featured in consumer-facing and advisor-facing publications, including the New York Times, the Wall Street Journal, and Michael Kitces' blog, Nerd's Eye View.In 2019, Jon and his wife Lien dedicated one full year to travel. The two started their adventure by taking four months to convert a cargo van into their home on wheels. They then spent several months traversing the western United States and Mexico. Lien documented their adventure on her blog.Jon provides pro-bono financial planning to low-income households with the San Diego Financial Literacy Center, a 501(c)3 organization. He also volunteers with Second Chance Dog Rescue and Four Paws Dog Rescue.Jon's Social:Twitter: @JonLuskinLinkedin: https://www.linkedin.com/in/jonluskin/

"Home is where the heart is", they say. For many home is where they were born and raised and no matter the situation that's where they stay. For many however the pandemic had people looking at their situations differently. One of those was former San Diego Financial Literacy Center and California resident Brad Pagano. A financial professional, veteran of the non-profit industry, Brad reflected on his life and what he wanted out of it for he and his family going forward. Less financial stress was at the top of the list and that wasn't going to be possible if he stayed where he was.Brad joins the Talk Wealth to Me crew to discuss the financial decisions that went into moving out of the city he had lived in for 17 years and making a new life for his family.  Support the show (https://www.sdflc.org/help-sdflc/donate/)

Two years ago, the San Diego Financial Literacy Center and DebtWave Credit Counseling, came together to produce and publish a podcast all about money. We called it Talk Wealth To Me, and today we're celebrating our 100th episode! While there are a multitude of podcasts about personal finance, our goal for this show was to really strip down financial concepts, to talk beyond how to create a budget or how to responsibly use a credit card or invest.  We wanted to share with you information about the psychology of money, to give you tips on how to better your relationship with money from not just us, but experts in their own fields. Overall, we wanted to create a safe-space where people from all walks of life could better their understanding of financial concepts and learn from other people's financial success and failures. As we celebrate our 100th episode, the Talk Wealth To Me team looks back on our favorite episodes, things we've learned along the way, and how our own relationship with money has changed.  And because we view you, our listener, as family, we wanted to share some difficult news - a personal update with you regarding the health and well-being of Chase's beautiful bride, Keri, who you heard from in our Valentine show, Episode #070. On behalf of our Talk Wealth To me team, we wanted to truly thank you for supporting our show during these first 100 episodes. Our plan is to continue this show as long as possible and continue to bring you new perspectives, thoughts, and opinions as it relates to personal finance, to money, to your financial health.  Cheers to another 100 episodes!Support the show (https://www.sdflc.org/help-sdflc/donate/)

The team is joined by our third team member Katie! The team catches up on financial, self care and other everyday topics like:How are you staying entertained during COVIDWhat are some free or almost free self care ideasHow the team did on Amazon Prime Day (Hint: Felipe didn't do as well)Also Chase discovered a new app We chat about all this and more in our Quarantine Update #3.About The ShowTo learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

To wrap up Season Two, the Talk Wealth To Me team "replies all" to questions we've received during Season Two from our listeners.From COVID-19 budgeting tips to payday loans, you have questions and we have answers.About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

We may forget we’re not born inherently knowing how to earn, spend, save, or give money. And may not even know how to even go about beginning to have these conversations with our kids. Many parents expect their kids will learn how to properly manage their money at school. But the reality is most kids are not learning how to spend, save, invest, or donate their money at all let alone in a healthy way.This is concerning given that a report by researchers at the University of Cambridge commissioned by the United Kingdom’s Money Advice Service revealed that kids’ money habits are formed by age 7. Age 7!Additionally, a 2017 Parents, Kids, & Money Survey conducted by T. Rowe Price found that parents who discussed financial topics with their kids were more likely (61% vs 41%) to have kids who say they are smart about money.Joining us on the show is Bill Dwight, CEO and founder of FamZoo, a private family banking system designed to help parents teach kids to earn, save, spend, and donate money wisely in a safe, friendly environment.Bill joins us to share how parents can use a variety of tools to not only educate their children when it comes to money habits, he shares how parents can use technology to not only expose your children to real-life experience with money but to spark those crucial money conversations. About FamZooFamZoo isn’t just a convenient prepaid card for families. It’s a hands-on financial education for kids of all ages — preschool through college. Learn more here.About The ShowTo learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Child abuse. Warfare. Assault. A devastating accident. If you have endured one or more life-threatening events, you may be more likely to make destructive money decisions.Researchers discovered that post-traumatic stress alters the way a person thinks and reacts to situations, including financial behavior. In other words: “Traumatic experiences cause our brain to overreact. They force us into a stress mode where we are compelled to take action as a protective measure."One of the most common ways our financial stress manifests is in the form of oppressive credit card debt. Having overcome homelessness, domestic violence, health issues including paralysis and extreme pain, Kylie Travers knows firsthand how difficult life can be and joins us to share exactly how she changed her mental mindset and improved her financial situation several times over the years.About Kylie TraversKylie Travers is based in Melbourne, Australia with her two young daughters. She went from homeless single mother to multiple international award-winning CEO, author, speaker, and ambassador in the space of a few years. Connect with Kylie on her website The Thrifty Issue. Or on Facebook, Twitter, or Instagram.About The ShowTo learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Life is slowly starting to go back to a new state of normal, but many of us are still under strict social distancing orders and are required to wear face masks.While many of us felt our lives were turned upside down when the coronavirus pandemic shutdowns first began to happen, now that we're three-months or so into the stay-at-home orders, have you begun adjusting to working, eating, playing, and living from your home?Have you noticed any changes in your budget?Are your groceries costing you more?Have you been ordering take-out more frequently?Are you buying items you normally wouldn't purchase?Has your clothing budget gotten out of control with loungewear and yoga pants?Are you saving more money?We chat about all this and more in our Quarantine Update #2.About The ShowTo learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Are you planning on adopting a dog or puppy? What exactly does it take to be a successful puppy parent ie how much exactly is this going to cost me each year? Month? Week?Maybe you already have a pet and are not entirely sure how much money you're spending on your four-legged friend each month? Or are recently struggling to afford dog food or medical bills during the coronavirus stay-at-home orders.Joshua Prater is the Medical Director and co-founder of Baja Dog Rescue. He joins us to share how to realistically set a budget for your puppy, the benefits of health insurance for dogs, budget-friendly meals you can buy or make-at-home, and more!Donations for Baja Dog Rescue:•PayPal – info@bajadogrescue.org •Donate Button at the top of our page orFacebook.com/Bajadogrescue.org or at the bottom of this post. •Online –Baja Dog Rescue •Venmo –@bajadogrescue.org •Zelle – info@bajadogrescue.org•Mail – Baja Dog Rescue P.O. Box 437920, San Ysidro, California 92173About Baja Dog RescueBaja Dog Rescue is a 501c(3) non-profit organization that is run by a group of dedicated volunteers that rescue and rehabilitate unwanted, abandoned and neglected dogs and find them loving happy homes. We are a No-Kill animal rescue and we literally give them a second chance at life. Each one of our dogs is socialized, spay/neutered, vaccinated, and treated for any medical or behavioral conditions.About The ShowTo learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Were you planning a wedding this spring or summer that was affected by the mandatory coronavirus stay-at-home orders? Maybe you were planning on attending a wedding this year but are now unsure of the Bride and Groom's plans? Or maybe you're not sure what the happy couple plans to do yet, but want to continue with your plans to shower your loved one with a party in their honor but don't exactly know how to go about doing just that?The Budget Savvy Bride's Jessica Bishop joins us to talk about how the coronavirus has impacted the wedding industry and shares budget-friendly tips if you want to move forward with your big day.About The Budget Savvy Bride's Jessica BishopJessica Bishop is the creator of The Budget Savvy Bride, the #1 online resource to help couples plan a beautiful wedding on a budget they can actually afford. By sharing practical tips, personal advice, doable DIY projects, and approachable inspiration, The Budget Savvy Bride educates, equips, and empowers couples to plan a wedding they are proud of and that truly represents their values. Jessica has been nationally recognized as a Budget Wedding Expert and has shared her money-saving tips and tricks with outlets such as BRIDES, About.com, Glamour, Cosmopolitan, Huffington Post, and more. Jessica's first book, The Budget-Savvy Wedding Planner & Organizer is available on Amazon.About The ShowTo learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

For about two months now, the Talk Wealth To Me team has been working remotely as part of the global effort to lessen the transmission of the highly-contagious coronavirus. With stay-at-home orders still in effect for most of the U.S., many Americans continue to find ways to entertain themselves from within the confines of their home. Others of us are working remotely from home while simultaneously trying to ensure our kids are learning and meeting virtually with their teacher at the correct time. With this increased reliance on internet and electricity, some of us may have been a little surprised to see just how much some of our bills increased recently. Thankfully, there is help:Federal Communications Commission’s “Keep Americans Connected Pledge.” For the next 60 days, these companies promise not to terminate service and will waive late fees caused by the coronavirus pandemic. They are also opening their Wi-Fi hotspots to any Americans who need them.Some state and city regulators across the U.S. have started directing utility companies (gas, water, and electric) to suspend shutoffs for customers struggling to pay their bills. Contact your utility company and negotiate relief before your bill is due if you’re experiencing hardship as a result of COVID-19.What other financial relief options are available to those with a mortgage? Student loans? And what about protections for your credit report?We'll chat about this and check-in with Felipe, Chase, and Katie to see how it's going for our team at home. To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

COVID-19 has dominated the headlines for months now. As we all adapt to our new "normal," many of us may be feeling a little extra stress recently, especially when it comes to our finances.Marriage and Family Therapist Ed Coambs, MA, MBA, LMFTA, CSAT-C, CFP, who also specializes in financial therapy, joins us to discuss how the Coronavirus has created financial stress for us, where this stress is coming from, health steps we can take to reduce the impact of this financial stress, and more!Want to learn more about Ed Coambs? Visit his practice website or check out this blog on financial infidelity from DebtWave Credit Counseling. To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

As of March 26, 2020, the U.S. Senate has passed legislation that would include a one-time payment of $1,200 to Americans earning less than $75,000. Income levels will be calculated based on 2019 tax filings. If you have not yet filed your taxes, your stimulus check will be dependent on your 2018 tax filing.Larry Campbell, a CPA at the San Diego-based Lavine, Lofgren, Morris & Engelberg, LLP, joins the Talk Wealth To Me crew for an explanation on the stimulus checks set to go out to American consumers.How Much Money Should I Expect?Americans who earn less than $99,000 but more than $75,000 will be given a smaller one-time payment.Individuals earning $99,000 or more will not be given a one-time payment.Married couples filing jointly who earn a combined $150,000 or less will be given a $2,400 one-time payment.Individuals and couples with children could qualify to receive additional financial assistance.Some Important Notes & Links:*To check the status of your stimulus check, please visit the new Get My Payment website from the IRS. You can access that page here. Please note that the website is experiencing a high volume of traffic, please refresh the page or wait a few minutes and check back.*If you do not file taxes, there’s a direct deposit portal now available for you to input your information so you can receive a stimulus check sooner than later. You can access the portal here.*As of April 2, the IRS reported that Social Security recipients no longer need to file 2018 or 2019 tax returns in order to receive their COVID-19 stimulus checks. About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

In a matter of weeks, the coronavirus oftentimes referred to as COVID-19, has dramatically changed life as we know it around the world. Large hotel chains and restaurants have laid off or furloughed hundreds of thousands of employees. For many small business owners, adjusting to "stay-at-home" mandates has dramatically hurt business and some fear they may never recover.There is good news however. The Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated $350 billion in forgivable loans to help small businesses stay afloat during the COVID-19 crisis.Larry Campbell, a CPA at the San Diego-based Lavine, Lofgren, Morris & Engelberg, LLP, joins the Talk Wealth To Me crew for an explanation on what exactly the PPP program is, who benefits from it, the conditions on the loans, and more.WHO QUALIFIES?Small businesses with 500 or fewer employees can apply for loans through the Paycheck Protection Program (PPP).Small businesses in the hotel and food-service industries, including franchises, may qualify even if they have more than 500 employees.One loan is granted per business. A taxpayer identification number is required.HOW MUCH CAN I GET FROM THE PPP?The maximum loan amount is $10 million under the PPP.The amount of money a small business will be eligible for is dependent on how long they remained operable between February 15 – June 30, 2020, and how much they spend on payroll.The maximum loan amount will be 250% of the average monthly payroll costs during that period.Businesses that were not open or out of business after February 15 will receive a maximum loan amount 2.5 times their average monthly payroll expenses for both January and February.WHAT ELSE SHOULD I KNOW ABOUT THE PPP?All loans have a 1% fixed interest rate About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

18.7 million people in the United States are addicted to or dependent on alcohol. An estimated 3.6 million Americans are addicted to or dependent on a wide range of drugs. Many are addicted to more than one. Millions more are functionally addicted to things we don't consider drugs, like tobacco, caffeine, and food, as well as to activities such as gambling, shopping, sex, and spending time on the Internet.Addictions are at an all-time high in the U.S., and as a result, our life expectancy has been reduced. Financial disaster is also common to all forms of addiction. Why? Because more and more money is needed to fund the habit, leaving bills, rent, and mortgages unpaid. Money may be “borrowed” or outright stolen. Credit cards are maxed out, savings accounts are depleted, and getting more of our vice becomes the primary role of our next paycheck. Think about it: A cheap six-pack of beer can cost $5 while smoking a pack of cigarettes each day costs about $7. If you buy a 6-pack daily, that's about $150 per month or nearly $1,000 after six months! This is not sustainable for anyone. For many addicts, their "rock bottom" comes when they're evicted, unable to pay rent or are fired from their job for stealing money or office supplies from work. Some lose their vehicles, while others resort to committing crimes or even becoming sex workers just to make ends meet.On this episode, we'll explore:What are some of the ways addiction affects you and your loved ones financially in the short and long-term? Can you declare bankruptcy for debts you incurred in order to get your "fix"?What about cash? Is there a safer way to give money to someone in recovery? And most importantly we'll talk about steps you can take to recover your finances:Get back into the workforceCreate a workable budgetOpen a savings account and add a small amount of money to it each weekBegin to rebuild your credit scoreAbout Catherine SeeberCathy Seeber is a vice president and financial advisor at CAPTRUST. She has worked in the industry since 1998 and her advice has been featured in a variety of national, local and industry media outlets, including the Wall Street Journal, New York Times, Financial Planning, Fox Business and MarketWatch; she is also a guest columnist for Financial Advisor.About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Cannabis - commonly referred to as pot, weed, reefer, and ganja - is increasingly becoming legal, not just in the United States, but around the world. Recreational cannabis is already legal in Uruguay and Canada, and in the U.S., more than 25 states have legalized cannabis in the form of recreational, medicinal, hemp, and/or CBD.Given that cannabis legalization would not only be profitable in itself but has the potential to disrupt other established industries, it comes as no surprise there's been a rush in recent years for investors to get into the cannabis industry on the ground floor.Grove Group Management CEO and Co-Founder of Kevin Shin joins the Talk Wealth To Me #podcast for a conversation on what it takes to invest in cannabis, what kind of changes we'll see in the cannabis industry when U.S. legalization occurs, and more!About Kevin ShinKevin Shin is the Chief Executive Officer & Co-Founder of Grove Group Management. Kevin has over 17 years of experience in the finance industry serving as a financial consultant at AXA winning multiple sales awards. He also led ChungKing Recording Studios where Russell Simmons and John King worked to bring Rap music into households. Here he restructured the corporation and brought this historic studio - with a roster that included LL Cool J, Michael Jackson and Mariah Carey - back to profitability in three short months.In 2004, Kevin founded an innovative corporation to house a venture capital company and a commodities trading desk. The venture capital company started at $20M in AUM in year one to $3.8bn in AUM with IRR consistently in the 20’s before his departure in 2017.Kevin also joined NewOak Capital as a Senior Advisor in 2009 on a limited basis and as a Limited Partner. He has worked with clients like: Tongyang for restructuring their corporation during a financial crisis, Starwood Capital as a capital raiser and senior analyst for proposed deals, and taught Asia structure to multi-billion dollar hedge funds while working in Asia during his tenure at NewOak.About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the showSupport the show (https://www.sdflc.org/help-sdflc/donate/)

When Jeremiah and Joshua West went to New York City a few years ago with their parents, these two young entrepreneurs had no idea they were about to have a life-changing experience. The young brothers, aged 8 and 6 years old at the time, observed a homeless man sitting on the street and decided to offer him some food. Inspired by the positive impact this little deed had on the homeless man's life, Jeremiah and Joshua wrote a book teaching other kids how to give, save, and spend their money wisely. Their idea was to become Champions of Change and motivate others to make a huge impact on the world around them by carrying out little deeds. Their little sister Jordan was inspired as well and wrote her own book in which Jordan shares the true story of how she organizes and hosts a princess party for nearly 30 homeless and foster girls each year.In this episode, the West family joins us on the show to share how their little deeds continue to make a huge impact. And how the rest of us can get involved. About Champions of ChangeChampions of Change was established by brothers Jeremiah and Joshua West, two young social entrepreneurs with a mission to empower youth of all ages and cultures to give back. By inspiring other kids to serve as “Change Agents,” the West brothers, along with their little sister Jordan, sought to make an immediate and lasting impact within their communities by soliciting donations, organizing food and clothing drives, and facilitating literacy workshops for less fortunate children.You can purchase books mentioned during the show on the Champions of Change website or on Amazon here and here. To connect with Champions of Change, email info@championsofchangeusa.org or call 585-563-4797.About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Who taught you how to budget? How to pay taxes? Check your credit score and read a credit report? What about saving for retirement or paying yourself first before paying off any debts or pampering yourself?If you're like most Americans, the answer is probably no one. If you're lucky, you may have had a parent, a relative or a friend who knew healthier personal finance habits existed and worked with you to implement some of those healthy behaviors. But for most of us, we don't know how to determine if something is a worthy investment, let alone handle the paperwork on our own. In this episode, we're joined by San Diego Mesa College Business Professor Howard Eskew, who is not only advocating for increased financial literacy programs in higher education - he's walking the walk! Howard joins us to share how he managed to implement a financial literacy course at Mesa College and how he's seen his students thrive after learning how to better handle their money.About Howard EskewHoward Eskew is a Business Professor at San Diego Mesa College. His expertise is in accounting, entrepreneurship, and personal finance. Howard has a strong passion for providing financial education. He drives the financial literacy efforts at Mesa College and created and coordinates the Financial Literacy Speaker Series and Financial Opportunity Clinic. Prior to coming to Mesa College, Howard spent over 25 years in the financial services industry.He held the position of Executive Vice President / Chief Credit Officer for Columbus First Bank, in Worthington, Ohio for which he was one of the founding members. Howard is a strong partner and tireless advocate for the community. In addition to servicing on the Mesa College Foundation Board, Howard services on advisory boards for San Diego County Economic Education, San Diego Financial Literacy Center, San Diego Workforce Partnership, and the Western Association of Food Chains.Howard possesses his MBA and a Master’s degree in Accounting. He has been inducted into numerous honor societies and graduated Magna Cum Laude and valedictorian. Howard frequently presents at educational and industry conferences and is a published author. In 2015, Howard received the Outstanding Professor Award at San Diego Mesa College.To connect with Howard directly, you can email him at HEskew@sdccd.edu or call him at 619-388-5957. To donate to San Diego Mesa College Foundation, click here.About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the showSupport the show (https://www.sdflc.org/help-sdflc/donate/)

Have you had the "talk" with your parents? No, we're not talking about a reverse 'birds and the bees' conversation - we're talking about finances. Here's why: A survey from Fidelity Investments found:69 percent of parents expect one of their children will manage their finances in retirement, but more than one-third of children who are expected to fill this role didn't know this.72 percent of parents expect one of their children to be their caregiver if necessary, but 40 percent of children identified as filling this role didn't know this.92 percent of parents expect one of their children to be the executor of their estate when they die, but more than a quarter of kids who are expected to fill this role didn't know this.Joining us on the show is financial journalist Cameron Huddleston, who recently authored a book on this very topic: Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances.Cameron joins us on the show to not only educate the Talk Wealth To Me crew on why it's important to have conversations with your aging parents ASAP on whether they expect you to play an active role in their financial lives or help care for them. Cameron also shares tips on how to bring up this conversation with your siblings and your parents, as well as why it's better to have this conversation with your parents while you can, instead of waiting until it's too late.About Cameron Huddleston Cameron Huddleston is an award-winning journalist with more than 17 years of experience writing about personal finance and the author of Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances.To learn more about Cameron, visit her website or connect with her on Twitter.To access resources Cameron mentions during the show, please visit her website here.About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Women endure a slew of disadvantages when it comes to financial security. Though it’s cheekily referred to as the “pink tax”, the additional cost women incur for personal-care products, toys, clothing, dry cleaning, health care, mortgages, and vehicle maintenance is no joking matter. It inflates our budgets, limits our ability to save, and sometimes hinders our ability to access affordable and safe sources of credit.Based on that semi-intense description of the pink tax, you may think it’s already been made illegal to charge someone more on the basis of their gender. But that’s not true. There’s no federal law prohibiting companies from charging different prices for products that are identical (or very similar), but which are marketed by gender. At least not currently.Only one U.S. municipality — Miami-Dade County — has banned this practice. California enacted a similar restriction in 1995, but it applies only to the pricing of services. New York City followed in 1998.On top of the pink tax, women still earn less than their male counterparts. The average woman is paid 82 cents for every $1 her male colleagues earn; the discrepancy is much worse for women of color.When you’re paying more for basic goods and services from birth until death — just because you’re female — it’s easy to understand why so many women are pushing to “Ax the Pink Tax.”About Michael Cone, Esq.Michael Cone, Esq. is a Partner at FisherBroyles, LLP. He is a Customs, International Trade, and Regulatory Compliance Attorney, with more than 20 years of experience in federal regulatory compliance, customs, and international trade law and has been featured in print and broadcast media including the New York Times, NPR, CNN Money, and CBS News. In 2007, the New York Times featured Mr. Cone's lawsuit challenging gender-based customs duties on its front page. On March 8, 2016, Mr. Cone launched his website Pink.Tax, which coincided with International Women’s Day. The goal of Pink.Tax is to raise grassroots awareness of how women are disadvantaged by gender-based price discrimination affecting retail consumer goods and services like razors and haircuts, and to fight against this global phenomenon called the "Pink Tax". Its broader secondary goal is to identify, raise awareness about, and fight other gender-based financial discrimination against women (such as lower pay for equal work, known as the "Gender Pay Gap"). About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Your credit report has information about your finances and your bill-paying history, so it’s important to make sure it’s accurate. The good news for consumers is that credit reports are free through annualcreditreport.com, and if you find an error, you can work with the credit reporting company to fix it. If you would rather not handle correcting credit report errors on your own, you can always enlist the help of a credit repair servicer. In this episode, Chase and Felipe sit down with Jory McEachern, financial services and credit repair expert, to discuss the truths and myths of consumer credit and credit repair. Specifically, Jory sheds some insight for us on what exactly credit repair organizations do to help consumers improve their credit score, as well as steps you should be taking at home to better your credit score. About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Since 2014, the San Diego Financial Literacy Center has awarded more than $75,000 to more than 25 U.S. servicemembers and their families as part of the SDFLC's Boost for Our Heroes program.For those who may be unfamiliar with the SDFLC, Boost for Our Heroes is a financial assistance and education program that benefits active, transitioning, and veteran military members and their families. The program provides a variety of workshops, outreach efforts, and one-on-one consultations to help men and women who are experiencing financial hardships become financially stable. Joining us on the show is Al Lejarde, a past recipient of the SDFLC's Boost for Our Heroes award. Al joins us to share how he learned about the financial award, his motivation to apply, and how his family's life has changed since winning the award. Al also shares ways he's helping his fellow service members through his work with nonprofit organizations including Habitat for Humanity, Courage to Call, and Easter Seals.Boost for Our HeroesTo learn more about the Boost for Our Heroes award visit the SDFLC's Boost for Our Heroes page. Click here for the Boost for Our Heroes online application.For more information on the Boost for Our Heroes Golf Classic, please visit this website. About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

To wrap up Season One, the Talk Wealth To Me podcast team "replies all" to questions we've received during Season One from our listeners.From paying off credit card debt to saving money on groceries to building credit, you've got questions, and we've got some answers.About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

While it’s true that numbers and math don’t care about your gender, numbers and math are hardly the driving force behind personal finances. Instead, outside cultural influences often affect our financial situations more than we’d like to admit.In this episode, Chase and Katie sit down with Brynne Conroy for a discussion on the poverty cycle, the cultural influences that affect an individual's earning potential, as well as their ability to save, and the importance of breaking stigmas around social programs.About BrynneBrynne Conroy is the owner, creator and content director of the Femme Frugality blog. In October 2018, Conroy published The Feminist Financial Handbook, which quickly went on to become a #1 Amazon new release. In The Feminist Financial Handbook, Conroy takes a deep dive into how discrimination and oppression affect an individual or family's personal finance and the steps people can take to overcome the hurdles in front of them.About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

One word that pops up frequently when talking about finances or a budget is "plan." A seemingly simple word, but in reality, it's our "plan" for our money that really makes a difference in our wallets. What does a financial plan look like? It's different for every person/family/couple. But some common examples include buying a home. Most of us can't afford to wake up in the morning and purchase our dream home later that same day. For a majority of us, we need time to save up money for a down-payment. So what do we do? We come up with a plan to buy a home. We determine how much we can afford, we research neighborhoods, school districts, our commutes, etc. Similar plans are made when adopting a pet, having a child, getting married, buying a car, and even going on a vacation. When we don't have a plan or a goal we're working toward, we're not always mindful of where we're spending our money. And sometimes that can get us into trouble.In this episode, Chase, Felipe, and Katie chat about why we need financial planning, how a plan helps you stay out of debt, and how to get started.About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Financial issues rank among the most stressful concerns for active-duty service members, vets, and their families, according to a survey by Blue Star Families, a nonprofit out of Syracuse University. In fact, financial concerns rank as the second-highest overall concern, second to relocation anxiety.While the military does offer service members access to supplemental courses that teach personal finance, the fact is most military members don't know how to manage their finances while in the military. And even more service members struggle to manage their finances when they inevitably leave the military - especially females, who oftentimes are tasked with managing the household finances.The financial issues are sometimes even more exaggerated for female service members, who are more likely to be single parents than their male counterparts. And given that there are currently 2 million female military veterans in the U.S. and Puerto Rico, female service members struggle with money is becoming an increasingly important issue - especially since the U.S. Department of Veterans Affairs expects 18 percent of the military vet population will be female by 2040.Joining us on the show to discuss this very important topic is Dr. Ann James, founder of Financial Freedom Battle Buddies. Dr. Ann shares how service members become accustomed to getting allowances for housing, food, medical, and clothing, that they oftentimes don't plan for life outside the military, and shares how she's working to change that financial dependence to allow more and more female service members and vets to experience financial freedom.As Dr. Ann says, it doesn't matter if you're an E-1, O-6 or civilian, financial freedom can be yours.About Dr. AnnDr. Antoinette (Ann) James founded Financial Freedom Battle Buddies to help her fellow female veterans take back control and win the fight over their money. Early in her military career, Dr. Ann was exposed to valuable personal finance lessons which allowed her to overcome numerous money pitfalls after becoming a single mother. ​An Iraq War Veteran, Dr. Ann managed multi-million dollar operating budgets while serving as a Financial Officer. In 2011, after serving 21 years, Dr. Ann retired from the Air Force and successfully transitioned to civilian life. As a proclaimed life learner, she returned to school and earned her Doctorate of Education from Grand Canyon University in 2017. In order to further expand her ability to provide sound financial guidance and education, in 2019 she earned the distinguished gold standard of becoming an Accredited Financial Counselor. About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

For decades, owning a vehicle was synonymous with freedom.Having a car meant not having to be at the mercy of a bus or train schedule; it meant you could live and work in a different neighborhood from where you worked or went to school. Vehicles even became a place of refuge – a place to sing out loud or rest your eyes.But cars are ridiculously expensive – and as rideshare companies like Uber and Lyft gain consumer trust and extend their services to every neighborhood in the U.S., more and more Americans are questioning the need to own a car.When you can find a ride to your destination in a matter of minutes with just the swipe of your finger, does it make financial sense to continue to make $500-plus payments, possibly for the rest of your life?San Diego-resident and friend of the show, Dan Hubbard, joins us to share how he lives without a car in Southern California. Dan even shares how he commutes daily to an office job via public transportation.About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Building wealth is a tricky business, especially for those whose faith teaches them that money is intrinsically evil, financial planning is only for the wealthy, and that you're stuck FOR-EV-ER with consequences of past financial mistakes.Deborah L. Meyer, CPA/PFS, CFP®, is the author of Redefining Family Wealth: A Parent’s Guide to Purposeful Living. Deb joins Talk Wealth To Me to share how wealth is about so much more than money - it's also about providing for your family and others in meaningful ways, why faith and finance don't have to be separate, as well as how the power of prayer works hand-in-hand at viewing your finances from an abundance mindset.About Deb Meyer:Deborah owns WorthyNest®, a fee-only financial planning and investment advisory firm that helps parents build wealth, and SV CPA Services, an accounting and tax firm for forward-thinking entrepreneurs. Deborah has been featured in The Wall Street Journal, Forbes, and CNN Business and is a contributor to Kiplinger. She is a 2019 CPA Practice Advisor “40 Under 40 Honoree” in Accounting and received the 2018 AICPA Standing Ovation Award. Outside of work, Deborah spends time with her husband Bryan and three sons.About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Have you talked to your children about money?The sad truth is that kids as young as two years of age are enticed to want this, want that – it’s the wily little “Want Monsta” and he is really good at making us want more than we need or can afford.It’s hard to teach children real-life skills about spending and saving…but it will be harder later if they don’t learn! After all, money does NOT grow on trees…There are several different strategies parents can use to educate their children about personal finance - how to budget, how to save, how to consider the cost of tax, etc. But what about the theatre? Have you ever considered taking your children to a puppet show, where they can learn about personal finance while belly laughing?Debbie Todd is the co-founder of Ruby’s Troupe, an innovative interactive live and online theatre education group. A licensed CPA and certified financial education instructor with over 36,000 hours dedicated to “smart money” activities, Debbie is a spunky Grandma who is passionate about helping children defeat the Want Monsta and become Smart Money Commanders.Debbie joins us on the show to share how Ruby's Troupe is creating a whole new generation of personal finance savvy youngsters, as well as why we should educate our children about money sooner than later.About the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter. Support the show (https://www.sdflc.org/help-sdflc/donate/)

When's the last time you went on vacation? Has it been too long to even remember?!We get it - traveling is hard for a multitude of reasons. The biggest: The expense.The average vacation costs about $1,145 per person. And when you're on a tighter budget, perhaps you're paying off credit card debt or student loans, or maybe you're working hard to build up your 401(k) and emergency savings accounts, it can seem like travel is no longer within your financial reach.Joining us on the show is Sunny Burns, founder of FamVestor.com. Sunny shares how he used credit card hacks to travel:roundtrip to Japan with his wife for $30on a 5-day cruise from Puerto Rico to New Jersey for $250 per personAs well as a three-week backpacking trip through five different European nations with a six-month-old for less than $2,400!So what exactly is credit card hacking? Credit card hacking is utilizing credit cards and especially credit cards with high bonuses to gain lots of miles very quickly and then using those miles to get free flights. How can you get started on travel hacking?Check out our full conversation with Sunny Burns, then head over to Sunny's website to learn more about how his family uses credit card hacks to travel the world: famvestor.com/travelAbout the ShowComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Saving money on groceries is one of the fastest ways to cut spending from your budget. Given that the average family of four is spending about $800 per month on groceries ($200 per person), cutting costs at the grocery store and eating out less is one of the fastest ways to save money.In Episode 17 of Talk Wealth To Me, Chase, Felipe, and Katie, sit down with Steve and Annette Economides who are the experts when it comes to frugal grocery shopping. When Steve and Annette had five kids living at home, the couple spent just $350 per month on groceries - $50 per person per month.How did they do it? 1. Taking inventory of the food they already at home2. Shopping at the grocery store just once per month3. Utilizing a very large freezer4. And more!Listen to the full episode to hear Steve and Annette share the ins and outs of frugal grocery shopping as well as tips to get you started on grocery savings.To learn more about Steve & Annette's grocery strategies visit their:Website: https://moneysmartfamily.comYouTube: https://www.youtube.com/user/MavinOfSavinPinterest: https://www.pinterest.com/annettesteve/Facebook: https://www.facebook.com/AmericasCheapestFamily/ Free Downloads:Shopping List and Price Tracker: https://moneysmartfamily.com/groceries/Freezer Inventory: https://moneysmartfamily.com/grocery-tips-landing-page/ (bottom of the page) Books: America's Cheapest Family Gets You Right on the MoneyCut Your Grocery Bill in HalfThe MoneySmart Family System: Teaching Financial Independence to Children of Every AgeComments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Oftentimes, conversations about finances center around ways to slash or cut your budget. But what happens when you can't "cut" any more excess from your budget?Luckily, there is no limit on how much money you can earn. While side hustles have increased in popularity as a way to add some cushion to the living paycheck-to-paycheck lifestyle, not everyone wants to "hustle" to earn a dollar for the rest of their life.One way to earn a passive income is to write a book and earn royalties each time someone buys your book. But even great writers are doubtful a traditional book publisher will give them the time of day. Enter self-publishing.How Much Does It Cost to Publish a Book? The cost of publishing a book varies greatly but self-published authors can expect to spend anywhere from $100-$1500 to publish a book based on additional book production costs like editing, cover design, formatting, and more In the latest episode of the Talk Wealth To Me podcast, self-publishing author MK Williams joins us to share why she turned to self-publishing, tips, and tricks she's learned along the way, as well as just how successful she's been using this passive income method to date!About our guest:MK Williams writes suspenseful literary fiction for the contemporary reader. Her first novel, Nailbiters, is an apocalyptic science-fiction thriller that has kept audiences up all night since its debut in 2015. Her latest novel, Enemies of Peace, was featured on several podcasts and continues to garner interest from fans of literary fiction and cautionary tales of the American Dream gone awry. MK's work in the personal finance space includes co-authoring The Fiology Workbook: Your Guide to Financial Independence and helping other prominent blogs and podcasts in the space bring their message to print. Williams' writing influences include a lifetime of watching suspenseful mysteries and action movies and reading Stephen King, Margaret Atwood, Ian McEwan, Lauren Beukes, and J.K. Rowling. MK joined Chase, Felipe, and Katie for a discussion on how you can start self-publishing to earn a passive income, as well as some tips and tricks MK's learned about the industry in the last four years.For more information on MK Williams or to purchase one of her books, visit her website, check out MK's informational YouTube channel, or check out her books on Amazon. Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

The Average American has a savings balance of $16,420. With the cost of an average adoption at $43,239, how is a couple able to afford adoption?Laura Coleman is a Tennessee-based Accredited Financial Counselor with a special niche - preparing couples financially for fertility and adoption. After experiencing firsthand the financial burden and stress that accompanies the fertility and adoption process, Laura felt called to start her blog, podcast and financial coaching practice: Family Money Coaching.Laura joins Chase, Felipe, and Katie for a discussion on strategies real families use to avoid or at least minimize debt when trying to grow their family through adoption or IVF, as well as tips to keep emotional spending in check when an adoption or fertility treatment doesn't pan out the way you expected.For more information on Laura Coleman, AFC, or debt-free fertility journeys, you can visit her website, listen to her podcast, or sign-up for Laura's upcoming 12-week course: Financially Preparing for Adoption. Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

How many of you would love to find a financial opportunity that would allow you to travel the world for weeks at a time and have your mortgage payment completely covered each month without ever having to step foot into an office?Dustin Heiner of MasterPassiveIncome.com has done exactly that and joins us in Episode 14 of #TalkWealthToMe to share how he managed to earn more than $8,000 each month in the form of passive income through his 30+ rental properties.Dustin shares with Chase, Felipe, and Katie, just how he got started with real estate investing, shares tips on how to get started if you're interested in a similar passive income investment opportunity, and more!Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Have you ever started off the New Year with credit card debt because of all the money you spent shopping for the Holidays? In Episode 13 of Talk Wealth To Me, San Diego Financial Literacy Center's (SDFLC) Community Outreach Director Chase Peckham, SDFLC Community Outreach Coordinator Felipe Arevalo, and DebtWave Credit Counseling's Content Writer Katie Utterback have a discussion about the benefits of financially planning for the Holidays as early as July! Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

We're joined in Episode 12 of Talk Wealth To Me by Clint Proctor for a discussion on how Clint turned his freelance writing side hustle into a full-time career in just seven months! Clint shares tips on how to decide if a side hustle is right for you, as well as other lessons he's learned along the way.About Clint: Clint Proctor aka the Wallet Wise Guy spent 10 years as a pastor. Now, Clint blogs about personal finance topics on his blog, WalletWiseGuy.com. Clint is also a freelance writer covering personal finance topics for publications including Business Insider and Credit Karma.Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

We're joined in Episode 11 of Talk Wealth To Me by Ashley Patrick for a discussion on how she and her family were able to pay off $45,000 worth of debt in 17 short months!About Ashley:Ashley Patrick is a Ramsey Solutions Master Financial Coach and the brains behind BudgetsMadeEasy.com. A former police officer, Ashley helps families eliminate debt by using simple budgeting strategies so you can stress less and live the life you want. Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

We're joined in Episode 010 of Talk Wealth To Me by Dan Hinz for a discussion on why engaged, newlywed, and married couples should talk about their finances, as well as tips on how to make those money conversations as easy as grocery shopping.Dan mentioned a free gift for listeners of the Talk Wealth To Me podcast on the show. You can pick up a FREE copy of How to Talk About Money With Your Spouse: The Ultimate Guide by following this link.About Dan:Dan Hinz is the financial coach behind AdultingWithMoney.com. Dan is a graduate of Iowa State University holding a Master's degree in Business Administration with a focus on finance. Dan's 20,000+ word guide How to Talk About Money With Your Spouse: The Ultimate Guide teaches couples how to be on the same page with money by focusing on meaningful, lifelong habits, as well as some other helpful tips.Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.Want to learn more about Dan Hinz? Visit his website AdultingWithMoney.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

We're joined in Episode 009 of Talk Wealth To Me by Leslie H. Tayne, Esq., for a discussion on ways single parents can lessen the expensive cost of childcare and camps during summer! Our conversation also includes some tips for having age-appropriate discussions with your children about budgeting and your financial situation.Leslie H. Tayne, Esq. is an award-winning financial attorney and Author of Life & Debt. She has over 20 years of experience in consumer and business financial debt solutions which include negotiations with large international banks and credit agencies for loans, lines of credit, credit cards and student loans. Leslie is the founder and managing director of Tayne Law Group, P.C., a law firm headquartered in New York dedicated to debt resolutions. Leslie is frequently sought out for her expertise on financial, credit and debt topics and as a speaker, she regularly provides insight and strategies regarding all areas of debt and credit-related solutions.Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.Want to learn more about Leslie Tayne, Esq? Visit her law firm, Tayne Law Group, or connect with Leslie on Facebook, Twitter, or Instagram.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

We're joined in Episode 008 of Talk Wealth To Me by Logan Allec, a CPA with a Masters in Taxation who began investing in real estate in his 20s. Logan is a frequent source on financial topics for news outlets including NBC News, MarketWatch, BankRate, HuffPost, USA Today, and U.S. News & World Report. Logan also has a website - MoneyDoneRight.com, where he helps people make better financial decisions by educating them on topics including making more money, saving more money, and growing their streams of passive income.For many, real estate investments are uncharted territory. Unlike stocks and bonds — often called “standard assets” — real estate is considered an “alternative asset,” historically difficult to access and afford.15% of Americans were investing in property outside their primary residence, according to a RealtyShares survey. What holds people back? The costs and skills needed to get started. Only 38% of those surveyed thought they’d actually be able to flip a house start to finish, and more than 80% of millennials wished that real estate investing was easier.Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.Want to learn more about Logan Allec? Visit his website MoneyDoneRight.com. To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

In our latest episode of #TalkWealthToMe, we chat with Walter Russell, a financial advisor and self-described Disney superfan on ways to make trips to Disney theme parks more affordable AND more enjoyable.Walter Russell is a financial advisor who specializes in helping financially successful people achieve their most important goals that are aligned with their most deeply held values. He has been in the financial services industry for 20 years.Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.Want to learn more about Walter Russell? Visit his Disney savings tips website, Follow the Orange Backpack or check out his financial firm services at Russell & Company. Walter also has a personal finance website geared toward women - SimpleMoneyTipsForWomen.com. You can follow Walter on Twitter, Facebook, or LinkedIn.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Are you tired of renting? Are you ready to own a home? Do you even know where to begin to look for a home? Do you know how to figure out what you can even afford when it comes to mortgage payments?Buying a home for the first time is equally exciting and terrifying. When you're unsure of where to go and who to trust, shopping for a home - arguably the biggest expense you'll ever have - is intimidating.Joining us on the show today is Daniel Lehman, a published financial author, and Vice President of Mortgage Lending for Synergy One Lending in San Diego. He is very active in the Military and Veteran communities, serving as a board member for the San Diego Financial Literacy Center which enhances the financial IQ of San Diego County residents with a focus on youth, military, and veteran families.A growing icon in the mortgage education space, Daniel teaches workshops spanning San Diego County to educate veterans and agents about the VA home loan benefit. Additionally, he hosts the “Military Mondays” radio show Monday evenings at 7pm PST on channel 1170AM KCBQ which aims to educate, empower and engage the San Diego Military and Veteran communities.Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.Want to learn more about Daniel Lehman or possibly work with him? Check out his contact information here.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Fifty percent of marriages end in divorce. While we don't always plan for our own marriage to fail, life happens. In our latest podcast, we're joined by Laurie Itkin, a financial advisor, wealth manager, and certified divorce financial analyst. She's the author of the best-seller "Every Woman Should Know Her Options: Invest Your Way to Financial Empowerment," and a frequent and beloved volunteer with the San Diego Financial Literacy Center.Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.Want to learn more about Laurie Itkin? Visit her website, check out her book, "Every Woman Should Know Her Options," or follow her on Twitter.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Marriage and Family Therapist Ed Coambs, MA, MBA, LMFTA, CSAT-C, CFP, who also specializes in financial therapy, joins us to discuss financial infidelity: What is it? How does it affect a marriage? And what can you do if financial infidelity happens to you?When we keep financial secrets from our spouse or significant other, we are guilty of financial infidelity. But according to a new study, only 52 percent of individuals believe their significant other is totally honest with them when it comes to money.Given that 50 percent of marriages end in divorce, and financial issues are the leading cause for separations in the nation, we asked Ed to share some insight with us on what happens when financial infidelity occurs: Are our relationships completely doomed when our spouse makes a purchase without our consent? What if they're earning more than they lead us to believe? We chat about all of this and more - along with how our childhood and emotional money baggage plays a role in our spending and saving habits!Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.Want to learn more about Ed Coambs? Visit his practice website or check out this blog on financial infidelity from DebtWave Credit Counseling. To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter. Support the show (https://www.sdflc.org/help-sdflc/donate/)

We're joined on the show by Sarah Arevalo, DebtWave Credit Counseling's Quality Assurance and Compliance Administrator, who's also married to our beloved co-host Felipe, to chat about the cost of having a baby!Wait, should I save money before getting pregnant?Americans often severely underestimate just how much it costs to raise a baby in the first year. According to a Business Insider article from July 2018: The average cost to have a baby in the US, without complications during delivery, is $10,808— which can increase to $30,000 when factoring in the care provided before and after pregnancy.36% think it costs between $1,001-$5,000 to raise a baby during its first year18% think it costs $1,000 or lessHalf of all hopeful parents — and 48% of all Americans — think diapering items, including diapers and wipes, are one of the biggest expenses of the first year of a baby’s life. However, we estimate this expense at $743 for the first year — less than nearly all other cost categories in the analysis. By contrast, only 37% correctly believe child care is one of the biggest expenses. Full-time care in a center costs an average of $8,059 for the first year of life — more than any other expense analyzed.How much will it cost for you to have a child? Check out Nerd Wallet's baby calculator.For parents concerned about baby recalls, you can find info on the US Consumer Product Safety Commission's Twitter account or their website.Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

You may have heard of credit scores before but do you know what a credit score really is? On top of that, how exactly is a credit score determined? And does anyone other than me really care what my credit score is anyway?Credit Score 101Your credit score is a statistical number that is used to evaluate a consumer's creditworthiness aka how likely you are to pay debts back on time and in full without anyone having to twist your arm.Credit scores range from 300 to 850. The higher your score, the more financially trustworthy a person is considered to be. But use caution: just because you have a high credit score today doesn't mean you'll necessarily have a high credit score or even the same credit score a month from now. That's because your credit score is like a living, breathing number constantly adjusting to your financial behaviors.That's because your credit score is determined by five (5) main factors. They are:Payment History (35%)Are you paying your bills on time every month?Have you ever been delinquent?Were your delinquencies reported to the credit bureaus?Debt-to-Credit Ratio or Amounts Owed (30%)Are you utilizing more than 30% of your credit limit per credit card?Are you utilizing more than 30% of your total credit limit?Using more than 30% of your available credit, whether that be total limit or per card, can have a negative impact on your credit. Length of Credit (15%)How long have you had access to credit?The older your credit history, the better - it shows your ability to pay on time over a longer period of time and that creditors continue to find you trustworthy to lend to.New Credit (10%)How frequently are you looking for additional lines of credit? Experts recommend applying for new or additional lines of credit once every 12 months. Any more and your credit may take a bigger hit. Credit Mix (10%)Having different types of credit such as installment loans like a mortgage and revolving credit like a credit card can illustrate your ability to handle diverse types of financial debts. Who cares about my credit score?Unless you're in the market for a new credit card, a home, or a car, chances are you may not care about your credit score, but that doesn't mean no one else does. Those that may review your credit score include:CreditorsStudent Loan ProvidersUtility CompaniesInsurance CompaniesLandlordsEmployersCollection AgenciesGovernment AgenciesCourtsWhere to find my credit score?Order a free copy of your credit report from Experian, Equifax, and TransUnion each year and review it for errors by visiting AnnualCreditReport.com. Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on

You're listening to Talk Wealth To Me, the safe-space money podcast where we discuss anything and everything related to personal finance. One of the first questions you may be asked when you ask for help with your money - whether that be through a wealth manager, tax preparer, or financial advisor - is whether or not you have a budget.Myth #1: Budgets are for the Mega-WealthyDid you know nearly 93 percent of the public believes everyone should create a budget, but a majority of us are not creating budgets? Yep, about 63 percent of us are not creating a budget whatsoever. The number one reason why? Most of us don't think we earn enough money to necessitate the use of a budget, but a budget is even more valuable when you have less. How can that be? When we use a budget, we are tracking our income and our spending to ensure that we are not spending more than we are earning. Myth #2: Budgets are great for limiting big-ticket spendingYou may think if you're not in the market to purchase a home, a new car, boat, or plan a vacation, you don't need to create a budget. Oftentimes we view those in debt as individuals who were irresponsible with their money and used a credit card to purchase an item out of their price range. But as it turns out, most budget-busters are items that cost on average $20 or less. Why? Because we are not thinking about how these little items add up over time and cost us big time. You've likely heard the example of getting coffee from a coffee shop in the morning. If you plan to spend $5 on coffee every morning in your budget, you likely won't be surprised by the amount of money you spent on coffee in a month. However, if you think your $5 daily habit isn't that expensive, what do you think about spending $25 on coffee per week or $100 a month? Is it more than you realized you were spending?Myth #3: I have to cut cable if I'm on a budgetAnother myth about budgets is that if we're in debt we can't spend any money on any entertainment. A budget is a PERSONAL decision. Meaning, if you don't drink coffee or you're content with brewing your own at home, you can apply the money you save from coffee toward an HBO or Disney Plus subscription.The point is that a budget is a personal decision. The only MUST with a budget is that your spending MUST not be greater than your earning. If it is, well, that's a topic for another day.Comments, questions or suggestions for the show? Email us at talkwealthpodcast@gmail.com.To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.Support the show (https://www.sdflc.org/help-sdflc/donate/)

Finding a need and filling that need in a new and powerful way is important to starting a non-profit. Brad Pagano, the co-founder of the San Diego Financial Literacy Center, joins us on the show to share his journey of starting a thriving non-profit to help hugely underserved communities in the San Diego area. His passion for spreading financial literacy and interest in addressing the unique issues that military members face have led his non-profit in a unique and powerful direction. Find show notes and more information at www.staywealthysandiego.com/17

This week I sat down with Financial Advisor and Certified Divorce Financial Analyst, Laurie Itkin. Laurie Itkin is a financial advisor and certified divorce financial analyst who specializes in helping women transition financially from married to single life. She is passionate about increasing the financial literacy of under-served populations and provides pro-bono financial planning through the San Diego Financial Literacy Center. Her book, "Every Woman Should Know Her Options: Invest Your Way to Financial Empowerment," became an Amazon best seller in three categories. Laurie also offers an affordable online course specifically for recently-divorced women called, "How Not to Run Out of Money: The Recently-Divorced Woman's Guide to Financial Independence." She received her B.S. in economics with a concentration in finance from the Wharton School of the University of Pennsylvania. HERE'S WHAT YOU’LL LEARN FROM THIS EPISODE: What a Certified Divorce Financial Analyst is Considerations when planning to keep the home as a part of a divorce settlement The biggest financial mistakes people are making when it comes to dividing assets and the growth potential you’re giving up How you may unknowingly turn yourself into a martyr The changes that you’re going to face in downshifting your lifestyle Why knowing your priorities is important and debt is not an option Where to begin in getting financially organized if you’re preparing for a divorce How to find your assets and debts and educate yourself up front What a settlement agreement is and why it’s important to take action on it ASAP What a Qualified Domestic Relationship Order is  and how it benefits you Where to begin with securing and protecting what is yours (and what you're probably overlooking) How to start with getting track of what is coming in versus what is going out Why it’s important to live below your means now LINKS WE MENTIONED ON THE SHOW: The Options Lady Every Women Should Know Her Options How Not to Run Out of Money: The Recently Divorced Woman’s Guide to Financial Independence Laurie’s website

Aired: 4/19/2014 7 PM:: Richard and Joe welcome Sarah Boot, candidate for City Council District 2, and Brad Pagano of the San Diego Financial Literacy Center.