Today's vault Ask Shannah question comes from Laquesha: "Hi Shannah. Thanks so much for answering my question. I really want to start investing but I keep getting hung up on all the chatter out there. I can’t figure out if I’m supposed to wait to start investing until I’ve paid off all my debt, or is that not smart to do? Also, it just feels like I need to be an expert at investing to do it well. I know that’s not true, but man, it just feels so hard to figure out investing. I know so many people are making a killing, and I kinda feel bad that I haven’t started at all, know what I mean. You’ve done so many great investing episodes, I’m curious if there’s an episode from the past that you think I should check out. You’re awesome and I so appreciate this show for motivating me. My boyfriend can’t believe I care this much about my money, but I just tell him, yes, yes I do and so should you. Ok, thanks again."
Links
Define Financial
Stay Wealthy, San Diego
SPONSORS
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 Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off.
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.  
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Thanks to AirDoctor for sponsoring the show. Head to www.airdoctorpro.com and use promo code ETM and depending on the model, you’ll receive UP TO 39% off or UP TO $300 off.
How To Connect with Shannah:

Download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq 

Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ 

Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq 

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Ask Shannah: Should I Pay Off My Debt Before I Start Investing? I'm So Confused!

Everything you wanted to know about money, and no one taught you!
Welcome to Everyone's Talkin' Money (formally Millennial Money), your go-to money podcast where we explore personal finance, money, goals, money therapy, relationships, mental health, happiness, wellbeing, motivation, and entrepreneurship for Millennials, Generation Z, and General X. I'm your host, Shannah Game, a seasoned Financial planner (aka a real money expert) with over eighteen years in the industry. My mission? To help you craft and conquer your financial goals and feel good at the same time. As a Certified Trauma of Money Expert, I'm here to lead you on a transformative journey to mend your relationship with money, chart out achievable financial goals, and embrace the life you've always dreamt of. It's time to feel good about your money! Do you often find yourself tangled in a web of financial stress and uncertainty? Everyone's Talkin' Money is here for you. But here's the twist: I'm not your average financial pundit. Holding the prestigious title of Certified Financial Planner™ and Certified Trauma of Money Expert, I bring a distinctive angle to the podcast. My extensive experience and specialized training equip me to guide you through the emotional labyrinth of money. It's not just about numbers; it's about breaking down those emotional barriers to financial triumph and indulging in some money therapy along the way. The best part of Everyone's Talkin' Money is the stellar lineup of life-changing guests. From experts in the realms of money and personal finance to experts in lifestyle, relationships, entrepreneurship, celebrities, self-improvement, and more. These guests help you deal with one of life’s toughest subjects – money. Our podcast's mission transcends traditional financial advice; it's about healing your relationship with money and setting tangible financial goals. Our guests include money experts offering financial tips, entrepreneurs sharing their goal-setting journeys, insightful authors, and even artists, chefs, and celebrities who open up about their own money stories. Each episode is full of wisdom and inspiration, a testament to real people like you and me, striving to unravel their emotional connection with money while embarking on a journey to build wealth and financial freedom. Everyone's Talkin' Money has carved a niche for itself, earning well-deserved accolades and recognition. The New York Times hailed it as one of the Top 4 Money Podcasts, and the show has been featured in numerous publications as a top personal finance podcast. I put myself in your shoes, fearlessly asking the burning money questions you've longed to have answered but never dared to ask. My distinctive blend of personal finance and money therapy expertise helps you figure out money through a different lens. I also share my wealth of knowledge accrued over my eighteen years in the financial industry in my weekly "Ask Shannah" segments. These segments zero in on listener queries, with real and personalized money insights to steer you on your financial journey. Our podcast guests aren't just experts spewing financial jargon; they are relatable individuals who, like you, are navigating the emotional tides of money while chasing wealth and financial freedom. In the realm of Everyone's Talkin' Money, all are welcome, and our mission is to make money discussions both pleasurable and approachable. In a world where money often serves as a source of anxiety and apprehension, Everyone's Talkin' Money presents a refreshing and empowering perspective. Join us on this enlightening journey toward financial empowerment and emotional well-being. Don’t hesitate to tune in to Everyone's Talkin' Money today and kickstart your journey towards feeling good about your money!

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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

TikTok Financial Advice: Is It Harmful or Helpful

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

Invest Like a Girl and Reach Financial Independence

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

Why You Aren't Reaching Your Financial Goals (and What to Do About It)

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

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

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

Ask Shannah: Should I Pay Off My Debt Before I Start Investing? I'm So Confused!

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