Food Waste Is Killing Your Budget (Learn the Tricks to Save Big) with Teralyn Pilgrim

In this episode, I sit down with shopping expert Trae Bodge to spill the top Black Friday secrets you need to know. Get insider tips on timing your purchases, using deal alerts and browser extensions, and maximizing savings. Trae shares expert hacks for scoring deeper discounts than the standard Black Friday prices, plus the best days to buy tech, beauty, toys, and more. We also dive into avoiding emotional spending and buyer’s remorse with tips on thoughtful gift-giving and the art of re-gifting. Takeaways: Best tools for finding holiday deals Hidden Black Friday discount hacks Top shopping days for tech, toys, and winter clothes How to avoid holiday buyer’s remorse LINKS MENTIONED Trae's MSN Gift Guide Page Slick Deals PayPay Honey Coupon Cabin FlashFood Perfect Gift Card Giftcard Granny CONNECT WITH SHANNAH Looking for Money Coaching? Book a complimentary 20-minute call with Shannah to learn more https://savvycal.com/everyonestalkinmoney/comp  FREEBIE: Show Me the Money Workshop  Follow me on Instagram  SPONSORS Thanks to Jenny Kayne for sponsoring the show. Get 15% off by going to http://www.jennykayne.com/etm15.  Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm.  Thanks to Wildgrain for sponsoring the show. Wildgrain is offering our listeners $30 off the first box - PLUS free Croissants in every box - when you go to http://www.wildgrain.com/etm to start your subscription. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to a high-energy, no-holds-barred showdown between two of the most popular wealth-building strategies: real estate and investing in an S&P 500 index fund. Ever wondered if your money is better off in bricks and mortar or riding the stock market wave? In this episode, I break down the pros, cons, and real-life examples of each approach to help you decide which path is best for you. In this episode, we cover: Real Estate 101: The highs (cash flow, appreciation, leverage) and lows (tenants, maintenance, and late-night repair calls). S&P 500 Basics: Why this “set it and forget it” strategy is loved by millions, how dividends can supercharge growth, and the power of compounding over time. Real-Life Case Studies: Meet Sarah, who turned her rental property headaches into a real estate portfolio, and Jason, who chose the S&P 500 and let compounding take the reins. Who Wins the Wealth Showdown? How to decide which investment fits your lifestyle, risk tolerance, and financial goals. Whether you’re a hands-on investor with dreams of owning properties or a laid-back stock market enthusiast who wants to let time work its magic, this episode has something for everyone. CONNECT WITH SHANNAH FREEBIE: Show Me the Money Workshop  FREEBIE: She’s Got Wealth Workshop Follow me on Instagram SPONSORS Thanks to Jenny Kayne for sponsoring the show. Get 15% off by going to http://www.jennykayne.com/etm15.  Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm.  Thanks to Wildgrain for sponsoring the show. Wildgrain is offering our listeners $30 off the first box - PLUS free Croissants in every box - when you go to http://www.wildgrain.com/etm to start your subscription. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever thought, “I’m doing everything right with my money, so why am I still stuck?” You’re not alone. Many of us carry hidden emotional baggage with money, creating roadblocks to the wealth we want. In this episode, I’m joined by Dr. Bradley Nelson, best-selling author of The Emotion Code, to uncover how trapped emotions keep you financially stuck and how to release them. We dive into practical ways to lower money stress and rewire those beliefs that hold you back. Even if this sounds a bit “out there,” I promise you’ll discover something that can transform your relationship with money. LINKS The Emotion Code book The Body Code book CONNECT WITH SHANNAH FREEBIE: Show Me the Money Workshop  FREEBIE: She’s Got Wealth Workshop Follow me on Instagram  SPONSORS Thanks to Jenny Kayne for sponsoring the show. Get 15% off by going to http://www.jennykayne.com/etm15.  Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm.  Thanks to Wildgrain for sponsoring the show. Wildgrain is offering our listeners $30 off the first box - PLUS free Croissants in every box - when you go to http://www.wildgrain.com/etm to start your subscription. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices

Let’s be real: food waste is costing you—big time. If you’re tossing leftovers or ignoring those limp veggies in the back of the fridge, you’re practically throwing money in the trash. In this episode, I sit down with Teralyn Pilgrim, a zero food waste wizard, to uncover how we can all save serious cash and do something good for the planet. We’re getting into the myths around ‘best by’ dates, clever hacks to upcycle food scraps into new meals, and how to make the most of what you’ve got without sacrificing taste or quality." What You’ll Learn in This Episode: The Hidden Cost of Food Waste: How food waste is silently draining an average of $100 a month from your wallet—and what to do about it. The Truth About Expiration Dates: Forget what you thought you knew; ‘best by’ dates are often misleading, and we’ll explain how to actually know what’s safe to eat. Mindful Eating Hacks: Tips for getting intentional with your food choices, so nothing goes to waste and your budget gets a boost. Scrap Transformation Tips: From carrot tops to bread ends, find out how to turn scraps into surprisingly delicious meals that’ll impress anyone. Getting the Whole Family Involved: Practical ways to teach kids about food waste and build a mindset shift that sticks. Kitchen Organization Secrets: Why knowing what’s in your fridge can make all the difference—and how to set up your kitchen for zero waste success. CONNECT with Teralyn Teralyn on Instagram Get Teralyn's book: No Scrap Left Behind CONNECT WITH SHANNAH FREEBIE: Show Me the Money Workshop  FREEBIE: She’s Got Wealth Workshop Follow me on Instagram SPONSORS Thanks to Jenny Kayne for sponsoring the show. Get 15% off by going to http://www.jennykayne.com/etm15.  Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm.  Thanks to Wildgrain for sponsoring the show. Wildgrain is offering our listeners $30 off the first box - PLUS free Croissants in every box - when you go to http://www.wildgrain.com/etm to start your subscription. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are your money worries keeping you up at night? In today’s episode, we’re diving headfirst into the stress and anxiety that so many of us feel when it comes to money. Whether it’s an unexpected bill, debt overload, or the nagging feeling of not having enough saved, financial anxiety can feel overwhelming—but it doesn’t have to control your life. Join me as we unpack what financial anxiety is, why it happens, and, most importantly, actionable steps to take control of your money worries today. This episode isn’t your typical “budget harder” advice. We’re talking real, relatable strategies to turn down the volume on money stress, from mindset shifts to quick wins you can implement right away. If you’re ready to stop letting financial anxiety run the show, hit play! What You’ll Learn in This Episode: The Anxiety-Money Connection: Why financial stress is so common and how it shows up in our lives. Quick Wins for Instant Relief: Simple, effective strategies to help you reduce money stress immediately—like the 5-Minute Finance Rule, breathwork before checking your balance, and creating a “fun spending plan.” Exercises to Tackle Financial Anxiety: Try our money journaling and “What If” exercises to reframe negative thoughts into empowering actions. Long-Term Tools for Financial Calm: Build a sustainable plan with small, regular check-ins, a “peace of mind fund,” and weekly money dates to help you stay on top of your finances. Money Anxiety Hotline: Hear real listener questions about dealing with debt, unexpected expenses, and retirement worries, and get practical answers to ease those common anxieties. CONNECT WITH SHANNAH FREEBIE: Show Me the Money Workshop  FREEBIE: She’s Got Wealth Workshop Looking for Money Coaching? Book a complimentary 20-minute call with Shannah to learn more https://savvycal.com/everyonestalkinmoney/comp  Healthy Wealth Program for Women https://etmpod.link/healthywealth   Follow me on Instagram SPONSORS Thanks to Jenny Kayne for sponsoring the show. Get 15% off by going to http://www.jennykayne.com/etm15.  Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm.  Thanks to Wildgrain for sponsoring the show. Wildgrain is offering our listeners $30 off the first box - PLUS free Croissants in every box - when you go to http://www.wildgrain.com/etm to start your subscription. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to face your financial fears? In today’s Halloween-themed episode, I take you on a haunted tour through the spine-chilling world of scary money decisions you do not want to make. From scary impulse buys to zombie retirement plans, these terrifying mistakes are lurking around every financial corner—and we’re here to keep your wallet safe from the things that go bump in the bank! Here’s what you’ll learn: The Curse of Minimum Payments: Why that “minimum due” might just be the most dangerous trick your credit card has up its sleeve. Impulse Spending Demon: Don’t let the urge to splurge turn your budget into a haunted wasteland! Oversized House of Horrors: Thinking about that dream house? It might just be a mortgage monster in disguise. Zombie Retirement Plans: Retirement is coming… and it’s hungry for your cash if you don’t start preparing now! Lifestyle Creep Phantom: Don’t let your income raise summon this spending specter. Haunted Loans: Avoid the payday loan quicksand that can drag your finances into the abyss. Overdraft Fee Monster: Keep this fee-hungry fiend out of your checking account with a few smart moves. This episode is packed with laughs, chills, and practical tips to avoid these common money mistakes that can haunt you long after Halloween is over. CONNECT WITH SHANNAH FREEBIE: Show Me the Money Workshop  FREEBIE: She’s Got Wealth Workshop Looking for Money Coaching? Book a complimentary 20-minute call with Shannah to learn more https://savvycal.com/everyonestalkinmoney/comp  Healthy Wealth Program for Women https://etmpod.link/healthywealth   Follow me on Instagram SPONSORS Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm.  Thanks to Wildgrain for sponsoring the show. Wildgrain is offering our listeners $30 off the first box - PLUS free Croissants in every box - when you go to http://www.wildgrain.com/etm to start your subscription. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to fuel up your wallet with cash savings? This episode is all about slashing your car insurance costs—and trust me, it’s juicier than it sounds! You know how I’m obsessed with finding travel deals on sites like Kayak, Expedia, or Tripadvisor? Well, car insurance deserves the same treatment! This episode is like getting a money-saving power-up, with Nicole Beck, Head of Communications at The Zebra, revealing how you can game your insurance for serious savings. It’s not just about cutting costs; it’s about being smart. In this episode, you'll learn: Want to know the four biggest things that mess with your rates? Think the cheapest policy is the best? Think again—Nicole’s here to drop truth bombs on why it’s not! Ever wonder if it’s time to switch insurers or how to score instant discounts? And yep, we’re spilling exactly what to do if you’re ever in a fender bender. LINKS The Zebra How to Save Money article CONNECT WITH SHANNAH FREEBIE: Show Me the Money Workshop  FREEBIE: She’s Got Wealth Workshop Looking for Money Coaching? Book a complimentary 20-minute call with Shannah to learn more https://savvycal.com/everyonestalkinmoney/comp  Healthy Wealth Program for Women https://etmpod.link/healthywealth   Follow me on Instagram SPONSORS Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm.  Thanks to Wildgrain for sponsoring the show. Wildgrain is offering our listeners $30 off the first box - PLUS free Croissants in every box - when you go to http://www.wildgrain.com/etm to start your subscription. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s episode, we dive into the critical steps to protect your finances in a second marriage. After my own divorce, I knew I needed a different approach to build a strong financial foundation in a new relationship. This episode is filled with real, actionable advice for anyone navigating a breakup or a fresh start in love and finances. We’ll cover: Lessons learned from my first marriage, including financial mistakes and oversights Key financial boundaries I set in my second marriage to protect both partners How to have early money conversations to align on goals and values The importance of separate and joint accounts for financial independence and shared goals Why a pre- or post-nuptial agreement can bring peace of mind and clarity New Segment: The Ex-Files—listeners share their own funny, cringe-worthy money mistakes in relationships Whether you’re recently divorced, considering remarriage, or just looking to build a healthy financial partnership, this episode offers practical steps to turn past lessons into financial empowerment for the future. CONNECT WITH SHANNAH FREEBIE: Show Me the Money Workshop  FREEBIE: She’s Got Wealth Workshop Looking for Money Coaching? Book a complimentary 20-minute call with Shannah to learn more https://savvycal.com/everyonestalkinmoney/comp  Healthy Wealth Program for Women https://etmpod.link/healthywealth   Follow me on Instagram SPONSORS Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm.  Thanks to Wildgrain for sponsoring the show. Wildgrain is offering our listeners $30 off the first box - PLUS free Croissants in every box - when you go to http://www.wildgrain.com/etm to start your subscription. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Vault Ask Shannah episode, we dive into a raw and relatable question from listener Nicole, who struggles with money fights that threaten her relationship. After 5 years together and therapy sessions that feel like they’re going nowhere, Nicole and her partner are still sneaking purchases and letting money issues take the driver's seat in their relationship. Sound familiar? If you feel like money is f-ing up your love life, too, you're not alone. Tune in as I share expert advice on how to break the cycle, have honest conversations about money, and keep your relationship strong. CONNECT WITH SHANNAH FREEBIE: Show Me the Money Workshop  FREEBIE: She’s Got Wealth Workshop Looking for Money Coaching? Book a complimentary 20-minute call with Shannah to learn more https://savvycal.com/everyonestalkinmoney/comp  Healthy Wealth Program for Women https://etmpod.link/healthywealth   Follow me on Instagram SPONSORS Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm.  Thanks to Wildgrain for sponsoring the show. Wildgrain is offering our listeners $30 off the first box - PLUS free Croissants in every box - when you go to http://www.wildgrain.com/etm to start your subscription. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we’re diving into a powerful money self-love exercise that can transform your relationship with money. Life is hectic, but taking a few minutes to answer these 5 essential money questions will help you uncover what role money plays in your life and what’s standing in the way of achieving your biggest money goals. Whether you want to build wealth, crush debt, or feel more in control of your finances, these questions will offer clarity and direction. Tune in for a quick but impactful self-check that can get you back on track and ready to thrive financially. Key Points in This Episode: Why asking yourself these 5 money questions can unlock your money potential. How to figure out money's role in your life right now. What’s standing between you and your financial goals (and how to fix it)? Tips for using this exercise to overcome money blocks and take control of your financial future. LINKS Nobody Listens to Paula Poundstone episode BiggerPockets Money episode Money Isn't Scary podcast How Your Salary Affects Happiness article How Much Money Do You Need to Be Happy article CONNECT WITH SHANNAH FREEBIE: Show Me the Money Workshop  FREEBIE: She’s Got Wealth Workshop Looking for Money Coaching? Book a complimentary 20-minute call with Shannah to learn more https://savvycal.com/everyonestalkinmoney/comp  Healthy Wealth Program for Women https://etmpod.link/healthywealth   Follow me on Instagram  SPONSORS Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm.  Thanks to Wildgrain for sponsoring the show. Wildgrain is offering our listeners $30 off the first box - PLUS free Croissants in every box - when you go to http://www.wildgrain.com/etm to start your subscription. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices