Money Confessions: I Drained My 401K to Pay for a Trip (Is That Bad)

In this vault, Ask Shannah, I'm sharing how to plan financially as a couple with a large age gap. My husband and I have a nine-year age gap, and there are a few things we need to do differently at different stages of life. Money as a couple is stressful enough, but there are a few things to consider when you have a large age gap. I'm sharing a bit from my relationship and other couples I've worked with. LINKS 1:1 Money Coaching with Shannah Wild Business Growth podcast episode The Money Nerds podcast Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  Follow me on Instagram  Leave a 5-star Review here https://ratethispodcast.com/etm.  Subscribe to our YouTube Channel https://www.youtube.com/@EveryonesTalkinMoney SPONSORS Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM. Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to do lists, and action items. Try Notion for free when you go to Notion.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 EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices

What do you know about crypto? Illegal? A fad? A scam? Unregulated? The truth is there is still so much to be demystified. As you heard in the intro, our guest Tonya Evans, A law professor at Penn State, author of Digital Money Demystified, and keynote speaker, is sought after for her expertise in intellectual property, new technologies, and crypto, and believes that crypto is an important piece of wealth building, especially for women and women of color. Here’s the thing: this year, crypto is seeing its first signs of adoption and acceptance by traditional finance, with 11 exchange-traded funds now on the market. Tonya believes the future of crypto will be both normalized and commonplace. So before you go turning your nose up at crypto, I want you to learn from Tonya, who is here to separate fact from fiction. In this episode, We discuss why crypto is key to helping women build wealth The common myths around crypto that you must question What you need to know before investing LINKS Digital Money Demystified book Coindesk.com Coinmarketcap.com CONNECT WITH SHANNAH Thank you for being a part of our community! We couldn't do it without you.  Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  Follow me on Instagram  Leave a 5-star Review here https://ratethispodcast.com/etm.  Subscribe to our YouTube Channel https://www.youtube.com/@EveryonesTalkinMoney SPONSORS Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM. Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to do lists, and action items. Try Notion for free when you go to Notion.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 EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices

How do you really save money? The average American has 5-7 accounts, which can be a lot to remember; as our guest Brian Hamilton says, it's a cognitive load that creates financial anxiety. However, when saving money, the secret is working with what you have and creating healthy savings habits. You know how important saving money is, but when it comes down to the actual act of saving, it can be a tricky thing to master. Our guest, Brian Hamilton, is the Co-Founder and Chief Executive Officer at One, a digital challenger bank focused on restoring financial health for middle-class families through innovative credit and savings products. In this vault episode, he’s sharing how you can automate your savings to take conscious decision-making out of the process, and a few other stellar tips on saving some serious cash this year. By the end of this episode, you’ll get your brain fired up to create healthy savings habits. Links One How to Close Your Traditional Bank Account article How Does One Compare to Other Banking Services CONNECT WITH SHANNAH Thank you for being a part of our community! We couldn't do it without you.  Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  Follow me on Instagram  Leave a 5-star Review here https://ratethispodcast.com/etm.  Subscribe to our YouTube Channel https://www.youtube.com/@EveryonesTalkinMoney SPONSORS Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM. Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to do lists, and action items. Try Notion for free when you go to Notion.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 EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you know what the most searched financial hashtag on TikTok is? It's side hustles. There are over 3 million hashtags about side hustles and many others about financial trends. The truth is, many people are just searching for money advice and unsure who to turn to. But the real question is: Should you be turning to TikTok for financial help? We need to talk about it. In this solo episode, we'll talk about: The eight most searched financial trends on TikTok What advice you should take and what you should avoid 3 things that will change your money situation (without needing social media) LINKS BestBrokers Survey Data Whitney Hansen Side Hustle episode CONNECT WITH SHANNAH Thank you for being a part of our community! We couldn't do it without you.  Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  Follow me on Instagram  Leave a 5-star Review here https://ratethispodcast.com/etm.  Subscribe to our YouTube Channel https://www.youtube.com/@EveryonesTalkinMoney SPONSORS Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM. Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to do lists, and action items. Try Notion for free when you go to Notion.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 EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever wondered why, despite hurdles like the gender pay gap and career interruptions, women who start investing frequently achieve higher returns than their male counterparts? Today on Everyone's Talkin' Money, I sit down with Jessica Spangler, author of "Invest Like a Girl," to uncover the secrets behind this financial phenomenon. We offer insights into how both women and men can harness their unique strengths to thrive as investors. The journey to financial literacy starts early, and the conversations had around the family dinner table can echo into our adult lives in profound ways. Our discussion takes a personal turn as Jessica, and I reflect on the differing financial narratives we were exposed to growing up, how they've sculpted our attitudes towards money, and, more importantly, how we can redefine what it means to be an investor. This episode peels back the layers of investment strategies, revealing that it's not the complexity but the consistency that often leads to success. In this episode, We discuss why women are better investors (and how men can adopt what women do well) How to prioritize your investment accounts and figure out what you should invest in first How to manage risk without breaking into a sweat LINKS Invest Like a Girl book Jessica's website Jessica on TikTok CONNECT WITH SHANNAH Thank you for being a part of our community! We couldn't do it without you.  Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  Follow me on Instagram  Leave a 5-star Review here https://ratethispodcast.com/etm.  Subscribe to our YouTube Channel https://www.youtube.com/@EveryonesTalkinMoney SPONSORS Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM. Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to do lists, and action items. Try Notion for free when you go to Notion.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 EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever thought, “I’m doing all the “right” things with my money, but I’m still not achieving my goals. What’s going on?” This kind of thinking is very common, and I hear it repeatedly with my money-coaching clients. The truth is we all have some emotional baggage with money. Dr. Bradley Nelson, one of the world’s foremost experts on natural methods of achieving wellness and author of the best-selling book The Emotion Code, is joining us in this episode to talk about releasing trapped emotions so you can bring in abundance and money success. In this vault episode, we'll talk about: What causes emotional money baggage Some practical ways to lower money stress How do you rewire all those negative money beliefs that keep you stuck I invite you to check out my 10 Mindful Money Questions to Ask Yourself freebie at https://etmpod.link/10moneyq. LINKS The Emotion Code book The Body Code book SPONSORS Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM. Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to do lists, and action items. Try Notion for free when you go to Notion.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 EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, I share my hot take on a recent money confession from a listener: “I used my entire retirement fund, around $15,000, to pay for a 2-month European trip. I don’t have any retirement funds, and I’m in my 30s. I feel like I made a big mistake. I haven’t shared it with anyone until now. Was this the stupidest way to spend my money?" As we break down this money confession, I'll explore my tips and food for thought. LINKS My Favorite Financial Calculators Daily Drop - Credit Card Hacking Tips CONNECT WITH SHANNAH Thank you for being a part of our community! We couldn't do it without you.  Sign up for my signature course, Unf*ck Your Money https://www.etmlearn.com/unfck-your-money  Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  Sign up for Financial Coaching with Shannah https://etmpod.link/coach   To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter  Follow me on Instagram  Leave a 5-star Review here https://ratethispodcast.com/etm SPONSORS Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this eye-opening episode, we delve deep into how trauma influences your financial behaviors more than you might realize. Financial traumas, often rooted in experiences like job loss, underpayment, or inherited money beliefs, shape your financial decisions subconsciously. For Afro-Latinas, Black women, and women of color, these traumas are frequently generational and systemic, affecting their financial outlooks profoundly. Featured Guest: Alejandra Rojas, Money Mindset Mentor and Founder of The Money Mindset Hub and Money Mindset Podcast Key Discussion Points: Identifying Financial Trauma: Learn how to recognize the signs of generational financial trauma that might influence your money habits. Cultural Identity and Money: Discover how embracing your cultural identity can enhance your relationship with money. Healing Financial Trauma: Practical steps to overcome financial trauma and create lasting change in your financial life. About Our Guest: Alejandra Rojas is an Afro-Latina money mindset mentor and trauma-informed expert who helps individuals uncover and heal from financial traumas. She shares valuable insights on transforming your financial mindset through her platform, The Money Mindset Hub, and her podcast. Why Listen? Understand the deep-rooted impacts of financial trauma. Gain insights into how generational and systemic factors influence financial behaviors in the BIPOC community. Learn actionable steps to improve your money mindset and financial well-being. Episode Highlights: The Invisible Hand of Financial Trauma: How financial trauma manifests and influences daily money decisions. Generational Trauma: The powerful effects of unspoken beliefs and emotions passed down through generations. Cultural Empowerment: Using cultural heritage to foster a positive financial mindset. Practical Healing: Strategies to move past financial traumas and build a healthier financial future. LINKS The Money Mindset Hub Top 5 Financial Growth Habits for BBIPOC Founders CONNECT WITH SHANNAH Sign up for my signature course, Unf*ck Your Money https://www.etmlearn.com/unfck-your-money  Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  Sign up for Financial Coaching with Shannah https://etmpod.link/coach   To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter  Follow me on Instagram  Leave a 5-star Review here https://ratethispodcast.com/etm. SPONSORS Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Is creating a will and a trust the best money move you can make? I thought you’d never ask. I know it’s never fun to think about death and all the dark stuff, but a will and trust don’t have to feel like you’re watching a horror movie. Patrick Hicks, Head of Legal at Trust and Will, shares why creating a will and a trust might be your best money move this year in this vault episode. It's definitely one of my top money moves to make because it's not enough to just make money, you also need to protect it. LINKS Trust and Will https://trustandwill.com An In-Depth Look at Different Types of Trusts https://trustandwill.com/learn/types-of-trusts What is A Will https://trustandwill.com/learn/what-is-a-will CONNECT WITH SHANNAH Thank you for being a part of our community! We couldn't do it without you.  Sign up for my signature course, Unf*ck Your Money https://www.etmlearn.com/unfck-your-money  Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  Sign up for Financial Coaching with Shannah https://etmpod.link/coach   To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter  Follow me on Instagram  Leave a 5-star Review here https://ratethispodcast.com/etm.  SPONSORS Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever thought that life would be so much easier if you knew the secrets to money? You're in luck! There are some tricks and just everyday money advice that I think you really need to know. Now, no one really talks about this stuff, and if they do, it’s brushed over because most assume you already know this stuff or that it isn’t important. We aren't going to do that! In this reboot episode, I’m sharing the top 13 money secrets that no one teaches you, but you should know them to be in the know. And, no, you don’t have to keep these a secret anymore. You'll learn why it's not really about what you earn but about what you spend, the #1 lesson for buying a car, how to keep your ego out of money decisions, the truth about money worries, and so much more. CONNECT WITH SHANNAH Thank you for being a part of our community! We couldn't do it without you.  Sign up for my signature course, Unf*ck Your Money https://www.etmlearn.com/unfck-your-money  Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  Sign up for Financial Coaching with Shannah https://etmpod.link/coach   To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter  Follow me on Instagram  Leave a 5-star Review here https://ratethispodcast.com/etm.  SPONSORS Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices