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Talk Wealth to Me
44 minutes | Jul 30, 2021
#096 Am I the A..hole? The tweet that made us react!
The Talk Wealth to Me crew breaks down this tweet that was originally posted on Reddit. This scenario comes up all the time in personal finance. Where do you stand on this???Am I (29M) the asshole for inviting my girlfriend (28F) to an expensive vacation and expecting her to pay her share. I make a lot more than her. Hello, my, and then here's the body of it.Hello, my girlfriend, myself, my parents and my brother and his wife all went on vacation to another country a week ago. My brother and I were the only one were the ones who did most of the planning for the itinerary. Although we did ask for everyone's input for background, I make 150,000 as an IT consultant. My girlfriend is a teacher making about 45,000. My parents are very affluent as well as my brother.And sister-in-law my girlfriend knew this trip was coming and took on a second job waitressing on the weekends for several months to get ready for it. We have always split things. 50/50 in the two years we've been together. There were a few times on vacations where she did not go on outings with us like wine tasting, scuba diving, et cetera. She also would only eat two meals a day. Simply stating that she was on a budget. My family does favor more. High-end expensive places. My parents thought it was very strange that she only eats two meals a day on those. She normally eats three. When we got home, I asked her why she skipped out on several of the outings and only ate two meals a day. I mentioned how I heard her stomach growling one night and said, I was concerned about her having an eating disorder.Uh, she got teary-eyed and said that three meals a day wasn't financially feasible for her. And neither were the outings that she chose not to go on. She went on three of six outings. She said she was not expecting everything to cost so much. And she was overwhelmed. She also said she doesn't know if it's going to work out long-term if she's expected to go on vacations like that with people who make so much more than her, I feel bad. I did not pick up on her discomfort sooner, but we did agree to split everything 50/50. And I don't know why she agreed to come. If the cost was an issue.https://twitter.com/AITA_reddit/status/1409476751307194368 Support the show (https://www.sdflc.org/help-sdflc/donate/)
36 minutes | Jul 23, 2021
#095 Creating Your Own Path & Inclusion with Nora Ali
The daughter of immigrant parents growing up in Minnesota, Nora Ali grew up thirsty for knowledge and opportunity. Today the Talk Wealth To Me guys sit down with Nora about the launching of a new media venture as well as her incredible path leading up to it.Nora was most recently an anchor on Cheddar, a business and technology-focused news network which broadcasts live from the floor of the New York Stock Exchange and its other studios across New York City and Washington, D.C. At Cheddar, Nora helped pitch and launch several specialty series, including Fast Forward: Life After Covid-19, All Hands: Race Toward Inclusion, Business of Buying, and Future of Food. She is a graduate of Harvard University and was previously a Senior Product Manager for end-to-end customer experience at the e-commerce company Jet.com, which she joined prior to its launch and acquisition by Walmart. What an inspiration!Support the show (https://www.sdflc.org/help-sdflc/donate/)
42 minutes | Jul 16, 2021
#094 Understanding ETF's and other 21st Century Investments with Kyle Woodley
The word invest can be a source of anxiety for some as they get further down the road of life because they know they should. But... how and what should I invest my hard earned money in? In today's world there are so many options but what is right for you? Today's guest Kyle Woodley the Senior Investing Editor for Kiplinger.com explains some of the options we have and what might be the best options for you.Support the show (https://www.sdflc.org/help-sdflc/donate/)
39 minutes | Jul 9, 2021
#093 Financial Lessons We Learned From "Friends" Without Knowing It
It’s hard to find a show that has had a greater cultural impact on American life than the 90s television sitcom "Friends." From “The Rachel” haircut, to the holiday armadillo, “Smelly Cat”, and even the “I’ll Be There for You” theme song, "Friends" is a show that continues to feel relevant and relatable – even though it’s been more than a decade since the finale aired in May 2004! So relatable that the Talk Wealth to Me crew brought on a guest that wasn't born until 2008!What does "Friends" have to do with personal finance? It turns out, so many things that the six twenty-somethings encountered in their lives resembled real life; financial decisions and situations were no different. Today, we Shoot the Financial $h!t about many of these classic scenes and topics. That guest? Clayton Peckham, who has watched every episode from season 1-10, multiple times starting at the age of 10. Sit back and reminisce with us!Support the show (https://www.sdflc.org/help-sdflc/donate/)
35 minutes | Jul 2, 2021
#092 Shootin the Financial Sh!t: Sports and Entertainment, A Money Dump???
It all started with a tweet... Music, movies, sports and other live and entertainment events are big business and a lot of people are passionate about them; willing to shell out large amounts of money to experience. Some argue that it is financially irresponsible to spend hard earned money on such experiences. This is obviously subjective so we here at Talk Wealth to Me thought this is a great subject to discuss as this tweet is actually part of the reason we ourselves got into trouble when we were younger. Is he right??? https://twitter.com/smartmoneybro1/status/1405262922427867137Support the show (https://www.sdflc.org/help-sdflc/donate/)
40 minutes | Jun 25, 2021
#091 How Pop Culture Influences our Money Decisions
Once upon a time we knew if we saw a billboard, heard a commercial on television or the radio, that we were being advertised to spend money on a new product or a new brand. But over the past few decades, advertisers noticed that pop culture influences us more than these traditional ads. So, they made a change. With the use of “influencers,” product placement, and targeted social media ads, we now view ads for the latest and greatest as products that we need in order to be happy and fabulous. This week, Katie joins the Talk Wealth To Me crew for a discussion on how pop culture influences our spending and saving habits.Support the show (https://www.sdflc.org/help-sdflc/donate/)
37 minutes | Jun 18, 2021
#090 Shootin the Financial $h!t- Can I spend $ on myself when I am in Debt?
If you have listened to this podcast often you know that we bring up budgeting in some way in just about every episode. This is because creating a spending plan (budget) is crucial to the health of your finances, especially if you are trying to pay back debt that you accumulated earlier in your life. This doesn't mean that you have to do without completely though. In this episode Chase and Phil discuss how you can create that plan to pay back the debt and still leave some for you to enjoy the life you are living now.Support the show (https://www.sdflc.org/help-sdflc/donate/)
22 minutes | Jun 11, 2021
#089 I Love You But I Can't Afford That
"Want to go to the concert next weekend?" "Hey let's go to dinner". " Happy Birthday, here's a trip to Hawaii." In life we can all find ourselves financially at different places than others, including friends and family. This can cause anxiety and feelings of inadequacy because we may not be able to afford the same things as our friends or family. The holidays, birthdays, weddings, you name it, we all will go through this situation on one side or the other at some point, maybe even both? This week the gang discuss how to handle those situations and how it doesn't make you who you are based on what you can and can't afford at given times. Support the show (https://www.sdflc.org/help-sdflc/donate/)
34 minutes | Jun 4, 2021
#088 Of Course I Will Be in Your Wedding!
Wedding season is right around the corner and this season could see a record number of nuptials as we come out of the pandemic. Last year so many weddings were postponed as we couldn't get together to celebrate two lives coming together as we normally would. Weddings for some people are the biggest days of some people's lives. It can be a huge cost for the couple and their immediate families. This week the crew discusses all things wedding costs but not for the bride and groom or their families but the wedding party's. Yes, those friends and family that pay for and travel far and wide for the bachelor and bachelorette parties, rehearsal dinners, wedding day and not to mention the dresses and tux/suits. Join us for some crazy stories and of course ways to make those incredible days a little less pricey for the ones standing up in honor of you.Support the show (https://www.sdflc.org/help-sdflc/donate/)
26 minutes | May 28, 2021
#087 Shooting the Financial $h!t: Summertime is Coming!
Summertime feels like childhood! School is almost out and the kids will be off for the summer months and sometimes to parents chagrin. But it also means fun, sun, and lemonade stands. It also means barbecues and outdoor activities and after a year in which most of us didn't leave the house it means reconnecting with friends and family and travel. Summer doesn't mean you have to bust your budget however and the TWTM crew discusses all the fun summertime fun that can be done without adding to the credit card bills! Support the show (https://www.sdflc.org/help-sdflc/donate/)
35 minutes | May 21, 2021
#086 Shootin The Financial $h!t: Club and Travel Sports: Big Business and Big chunk of $
The cost of putting children in organized sports is a bit out of control and has been for a while according to Kids Play USA Foundation. The biggest cost being general participation fees that can range from $50 to $1,000 and depending on where you live, a lot more. It also ranges from the league and sport with which they participate. Then you throw in the equipment and it can easily run in the thousands of dollars in certain cases, most if not all, is picked up by the family of the child.Today the TWTM "Shootin" crew discusses the positive and negatives of todays billion dollar youth sports industry and the affect it can have on families bank accounts not to mention, the time invested. Support the show (https://www.sdflc.org/help-sdflc/donate/)
40 minutes | May 14, 2021
#085 Debt Collections and Credit Reports- You Have Rights! (feat. Taylor Kosla)
Credit reports are one of the most misunderstood and popular topics we talk about on almost an everyday basis. Debt collections could be a close second but both can bring a lot of stress and anxiety. We as consumers have rights yet most of us have no idea what those are. Taylor Kosla, a consumer right attorney and Partner at Agruss Law Firm in Chicago, Illinois joined the crew to break down all the walls and misconceptions that are out there. We get in-depth regarding what debt collectors can and can't do, How to handle misinformation on your credit reports and how vitally important it is for us to know what's on them. We even dive into Mr. Cooper and the chaos that was the result. Support the show (https://www.sdflc.org/help-sdflc/donate/)
45 minutes | May 7, 2021
#084 Shootin The Financial $h!t: Katie and A.J.'s Home Buying Journey
The American dream...A number of episodes back we spoke to real estate and lending experts (#078 Real Estate & Lending in a Pandemic and Beyond with Kelly Kline & Tyler Hagerla) to discuss the wild and crazy 2020 and what 2021 and beyond could look like for the residential real estate market. This week we sit down and shoot the financial $h!t with our very own Katie Utterback. Katie and her husband A.J. just recently closed on their first ever home. Congrats! We know what a crazy experience it is for first time home buyers in the current market. Katie takes us through their journey, the highs and the lows, the stresses and the thrills. Sit back, relax and join us for the real dos and don'ts of buying a home in 2021 - with a few laughs along the way.Support the show (https://www.sdflc.org/help-sdflc/donate/)
42 minutes | Apr 30, 2021
#083 Financial Elder Abuse with Mitchell Freedman
This week we touch on a subject that is quite disturbing. Seniors have long been taken advantage of, and quite frankly, are the prey for scams. There are many reasons for this and Mitchell Freedman, a longtime CPA and financial professional, is an expert on the subject. He sits down with us to talk about his life's work to raise awareness about financial elder abuse and how to protect those we love. Support the show (https://www.sdflc.org/help-sdflc/donate/)
28 minutes | Apr 23, 2021
#082 The Budget Busting Dangers as We Come Out of the Pandemic
As everyone knows we are still in the midst of a pandemic, but as vaccines make their way through our communities and the economy opens back up, we can see the light at the end of the tunnel. Could we possibly get back to normal? What is normal, though? It has been reported that Americans paid off more consumer debt this past year than any on record, almost 83 billion dollars according to cnbc.com. Though job loss was reported nationwide, those whose income wasn't impacted were able to save more this year primarily because activities and vacations were limited. This week the guys discuss how to avoid the potential financial pitfalls from being excited to do "normal" things again! Support the show (https://www.sdflc.org/help-sdflc/donate/)
33 minutes | Apr 16, 2021
#081 What Am I Going to do With My Tax Return?
Death and taxes., the two absolutes for every citizen in the U.S. and most other countries around the world. In the U.S. April 15 is usually a big day, the last day to file your taxes for the previous years earnings. For some tax time is one we don't look forward to to as we have to make out a check to Uncle Sam and possibly the State we live in. But for a lot of people it is a celebration! They are due a... REFUND! Woo hoo! But what should you do with that refund? The crew sits down and discusses what you can do with your refund in 2021 in the latest Shootin the Financial S...!Support the show (https://www.sdflc.org/help-sdflc/donate/)
47 minutes | Apr 9, 2021
#080 Not Your Grandparent's Economics with Dr. Jim Charkins
When people hear the term economics they often think of graphs and a very confusing course they took in high school or college. But is that really what it is? We sit down with Dr. Jim Charkins, who likely cares more about economics and economics instruction than anyone we've met. He is the Economics Professor Emeritus and Director for Economics Education, California State University, San Bernardino, serves on many boards including the California Jump$tart Coalition, CCEE and California Association of School Economics Teachers. He is thoughtful and funny and will give you a whole new appreciation of (and possibly even love for) economics - and why it is so vital to start teaching it as early as kindergarten. Support the show (https://www.sdflc.org/help-sdflc/donate/)
49 minutes | Apr 2, 2021
#079 Teaching Youth Personal Finance with a Bite of Reality with Tena Lazano
There are many different ways to convey financial information to youth but it can be difficult to explain how so many financial realities are based on decision making. Well there is one program out there that is letting students make those decisions before they are real!This week the gang sits down with Tena Lazano, the executive director of the Richard Myles Johnson (RMJ) Foundation, Tena is responsible for leading the Foundation, which provides resources for credit unions to deliver financial education in their communities. The Foundation serves credit unions in California and Nevada, and offers its signature program, Bite of Reality® which is a fun, two-and-a-half-hour, hands-on simulation that appeals to teens while giving them a taste of real-world financial realities.Support the show (https://www.sdflc.org/help-sdflc/donate/)
46 minutes | Mar 26, 2021
#078 Real Estate & Lending in a Pandemic and Beyond with Kelly Kline & Tyler Hagerla
What an incredible year it has been. We passed the one year anniversary of the pandemic shutting down life as we know it. So many things changed in our daily lives: businesses and schools going remote, working from home, and layoffs and furloughs. In the beginning banks and lenders were giving homeowners an option for forbearance if they faced financial hardship. No one knew how this was going to affect the housing market. It has been quite the year, so we sat down with lending and real estate experts to discuss the market during the pandemic, where we are today and what they see in the future. Kelly Kline is vice president of One Trust Mortgage https://onetrusthomeloans.com/lo/kkline and shares the latest on rates, lending and more. Tyler Hagerla https://www.corcoran.com/southern-california-real-estate/agents/vista/tyler-hagerla/102721 is a real estate professional in North County San Diego with Corcoran Global Living. Tyler gives us insight on what it's like in this seller's market for everyone, including first-time homebuyers - and what to expect if you're buying or selling.Support the show (https://www.sdflc.org/help-sdflc/donate/)
31 minutes | Mar 19, 2021
#077 Shootin the Financial Sh_t! One Year Anniversary of Lockdown. Season 3 Finale!
As we just passed the one-year anniversary of the COVID-19 pandemic changing our lives, we thought we would reflect on the past year. The financial and personal repercussions were many. We faced difficult situations, but also saw good in others and found some interesting surprises. Everyone faced challenges, yet through it all we found the human spirit is strong and resilient. People helped each other out both financially and emotionally. Some of us saved like we have never saved before, and others spent in areas they never would have dreamed. Some learned they don't need to grocery shop every day. Some became meal planners while others spent a lot on takeout to help their neighborhood businesses stay afloat. As we enter spring and see more people get vaccinated around the world, we are optimistic that we are turning a corner, and normalcy is within sight. Whatever our new normal will be. Here's to a bright financial future for you! Support the show (https://www.sdflc.org/help-sdflc/donate/)
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