You can tell me, what’s your favorite thing to spend money on every week that just makes you feel good? These little treats, we all do them. And guess what, we all feel really good when we make an impulse buy - it’s like a quick dopamine hit, a rush. So that you know, you’re not alone - 55+ million people on TikTok have created a trend called “little treat culture.” It’s a trend where people impulsively treat themselves for a quick boost of happiness. So, with 55+ million people strong, I think this is something we need to talk about. On today’s episode, Ashley Lapato, money and lifestyle expert @theorganizedwallet, helps me break down little treat culture. Ashely says, “Eliminating impulsive spending isn't the solution, but unsubscribing from the narrative that “little treats” mean you're bad with money (ahem, avocado toast). Instead, give yourself permission to budget for impulsive "little treats," knowing that it will bring you joy today and won’t take away from your financial goals tomorrow."
Links
Ashley on TikTok
You Need a Budget

SPONSORS
Thanks to Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off.
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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:

Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter 

Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame 

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

Leave a 5-star Review here https://ratethispodcast.com/etm 

Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/



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Little Treat Culture: Is It Good For Your Money and Mental Health with Ashley Lapato

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!

Education

Training

Language Courses

Higher Education

K-12

Educational Technology

Business

Investing

Careers

Management & Marketing

Business News

Shopping

Health & Fitness

Mental Health

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

Healing Financial Wounds: Addressing Financial Trauma in BIPOC Communities

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

Do You Need a Will (or a Trust) and Why Should You Care

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

13 Money Secrets To Help You Reach Your Goals

You know the famous stat that half of all marriages end in divorce? That stat is still true for first marriages, while second and third marriages fail at higher rates. According to statistics from a Forbes article, the average length of a marriage before divorce is eight years. As someone who has been through a divorce, I can tell you it is both emotionally and financially devastating. That’s an understatement. There’s a lot I wish I would’ve known in the process, which is why our guest, Jennifer Lee, founder of Modern-Wealth and a pro at helping people through transitions like divorce, is joining us to give you the ultimate divorce checklist if you find yourself going through a divorce.
In this episode, you'll learn:

What questions do you need to ask your attorney

How to deal with the emotional side of divorce

Financial strategies you need about everything from who gets the house to how to keep your money separate


LINKS
Modern-Wealth website + more about Jennifer
Divorce Stats article Forbes

WORK 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 

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. 

Subscribe to our YouTube Channel https://www.youtube.com/@EveryonesTalkinMoney



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

Little Treat Culture: Is It Good For Your Money and Mental Health with Ashley Lapato

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