In this episode of Behind the Curtain: Money Made Simple, Julie Beckham speaks with Rita Yeung, Manager of Tax Services at Rockland Trust, about how individuals can approach tax season with more clarity and confidence. Rita shares how her background in accounting led her to a career solving financial puzzles and helping clients understand complex tax rules. The conversation covers key filing deadlines, the difference between standard and itemized deductions, and what gig workers should know about reporting income and expenses. Rita also highlights recent tax law updates, explains how large refunds may signal over-withholding, and discusses how proactive planning throughout the year can help individuals reduce stress and make smarter financial decisions. 

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Key Points From This Episode: 

[00:00:00] Julie Beckham introduces the podcast and welcomes Rita Yeung to discuss tax season. 

[00:01:32] Rita explains her background in accounting and why she enjoys solving financial problems. 

[00:02:30] The importance of the April 15 tax deadline and what taxpayers need to file and pay. 

[00:03:23] How filing a tax extension works and why it does not extend the payment deadline. 

[00:04:13] The difference between standard deductions and itemized deductions. 

[00:06:10] How recent tax changes increased the standard deduction and influenced filing choices. 

[00:07:35] Tax responsibilities for gig workers and independent contractors. 

[00:08:57] Common deductible business expenses such as mileage, equipment, and home office costs. 

[00:10:22] When it makes sense to consult a tax professional for more complex financial situations. 

[00:12:18] Why tax laws change frequently and why professional guidance can be helpful. 

[00:13:00] Overview of recent tax law updates, including new deductions and credit adjustments. 

[00:16:09] Increased child tax credits and higher limits for state and local tax deductions. 

[00:17:46] Why a large tax refund may indicate too much withholding during the year. 

[00:18:53] How taxes can reveal broader financial habits and planning opportunities. 

[00:20:25] Why effective tax planning should happen throughout the year, not just before filing. 

[00:21:37] Last-minute retirement contributions that may reduce taxable income before the deadline. 

[00:23:25] How to file an amended return if a mistake or missed deduction is discovered. 

[00:28:05] Rita’s challenge: spend time each month reviewing income, expenses, and tax planning. 

Links: 

Rockland Trust: https://www.rocklandtrust.com/ 

Julie Beckham on LinkedIn: https://www.linkedin.com/in/julie-beckham-05589534 
Rita Yeung on LinkedIn: https://www.linkedin.com/in/rita-yeung-cpa 

Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com) 

In this episode of Behind the Curtain Money Made Simple, Julie revisits the fall season and highlights the 5, 6, 7, 8 takeaways shaped by conversations with guests ranging from educators and entrepreneurs to financial professionals and creators. Julie reflects on the origins of her own career, the importance of mentoring, how AI can help identify meaningful work, the role of hedging in investing, finding and funding joy, building momentum in business, clearing up FAFSA misconceptions, and the simple habit that has shaped her own financial life: paying herself first. This quick, year-end roundup offers listeners a clear set of lessons to carry into 2026. 

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[00:00:00] Julie opens the episode with a look back at the relaunch of the podcast and the purpose of sharing seasonal takeaways. 

[00:01:19] Julie introduces Takeaway #1 and reflects on early signs that pointed toward her eventual career in banking. 

[00:02:11] LBF shares childhood memories that reveal Julie’s early money-tracking habits. 

[00:02:59] Julie expands on how those early behaviors hinted at her future path. 

[00:03:47] Julie introduces Takeaway #2 on money as a taboo topic and the importance of mentoring future generations. 

[00:04:38] Dr. Ellie Paris Miranda explains why experienced adults should use everyday moments as opportunities to mentor others. 

[00:06:20] Julie introduces Takeaway #3, exploring how the concept of ikigai and AI tools can help people identify fulfilling career paths. 

[00:06:53] Christopher Penn breaks down ikigai and how AI can help uncover transferable skills and potential new job opportunities. 

[00:08:25] Julie affirms how AI can broaden perspective when someone feels stuck in a narrow career identity. 

[00:09:05] Julie introduces Takeaway #4 about hedging and how portfolio managers help smooth investment returns. 

[00:09:05] Paula Murphy explains how hedging works within a diversified portfolio to reduce volatility. 

[00:10:11] Julie highlights the value of having professionals monitor a full portfolio. 

[00:10:35] Julie introduces Takeaway #5 on finding joy and how intentional saving supports it. 

[00:10:36] Greg Kata describes his “joy account” and how it helps make guilt-free purchases tied to meaningful experiences. 

[00:11:52] Julie responds to Greg’s approach to funding joy. 

[00:11:54] Greg reinforces the concept with humor and encouragement. 

[00:11:54] Julie introduces Takeaway #6 about eliminating excuses and practicing the fundamentals in business. 

[00:12:21] Noah Kagan explains why he began his book with excuses and how common they are among aspiring entrepreneurs. 

[00:13:55] Julie shares how Noah’s framing resonated with her, especially around starting before overthinking kills momentum. 

[00:14:31] Noah compares business to sports and emphasizes practicing small actions to build confidence and capability. 

[00:15:28] Julie introduces Takeaway #7 on FAFSA misunderstandings. 

[00:15:48] Matthew Wallace clarifies that completing the FAFSA does not obligate students to accept loans, helping reduce fear around the process. 

[00:16:16] Julie transitions into Takeaway #8 and prepares to share the single financial habit that has made the biggest difference in her own life. 

[00:16:16] Julie explains why paying herself first—automatically sending portions of income to retirement and savings—has been her most effective long-term strategy. 

[00:18:45] Julie closes the season with gratitude, encourages reviews and sharing, and reminds listeners of the show's mission to make financial education accessible.  

Links: 

Rockland Trust: https://www.rocklandtrust.com/ 

Julie Beckham on LinkedIn: https://www.linkedin.com/in/julie-beckham-05589534 

In this episode of Behind the Curtain, Julie sits down with Matthew Wallace, VP of Education & Career Pathways at Granite Edvance, to unpack the FAFSA—what it is, why everyone should file, and how SAI, Pell Grants, federal loans, and work-study actually work. Matthew explains Granite Edvance’s services (from one-on-one planning to scholarships and nonprofit student loans), clears up common misconceptions, and compares FAFSA with the CSS Profile. You’ll also hear practical timelines, tips for complex family situations, how aid letters differ, and when to request a professional judgment appeal.

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[00:00:00] Julie introduces the show, guest Matthew Wallace, and today’s focus: the FAFSA.

[00:01:11] Matthew defines FAFSA and confirms the official name.

[00:02:02] Granite Edvance overview: advising from middle school to adult learners, plus scholarships and nonprofit loans.

[00:04:34] Who qualifies: NH residents, NH “nexus” students, and broader resources for others.

[00:06:57] Massachusetts counterpart: MIFA; advice to compare products.

[00:08:25] Why everyone should file: SAI drives need-based aid, Pell eligibility, federal loans, and work-study access.

[00:10:41] Skipping FAFSA can mean leaving opportunities (and cheaper federal loans) on the table.

[00:11:40] Institutions use FAFSA data for their own aid; federal rates often competitive, with no underwriting.

[00:12:42] Barriers & fixes: you can decline loans; recent form improvements; typical completion ~20–25 minutes.

[00:16:32] Complex families: FSA “select my contributor” wizard and case-by-case guidance.

[00:18:53] CSS Profile basics: who requires it, deeper data, time to complete, and fee/waiver notes.

[00:20:19] Public vs. private patterns; in NH, Dartmouth as the CSS example.

[00:21:48] CSS fees and common waiver pathways.

[00:22:40] Granite Edvance programming: FA 101, Paying for College, FAFSA appointments, and offer reviews.

[00:23:39] Aid letters vary widely; know how to compare true costs.

[00:25:57] Timeline tips: FAFSA opens Oct 1; many priority deadlines ~Mar 1; list up to 20 schools and add later.

[00:27:55] Refile every year; prior-prior tax year; when and how to request professional judgment.

[00:31:10] Where to find help: graniteedvance.org/help.

[00:34:44] Quick challenges: file the FAFSA now if you’re a senior; start a 529 for the young student in your life.

Links:

Matthew Wallace on LinkedIn: https://www.linkedin.com/in/mattwallace121

Granote Edvance: https://graniteedvance.org

Rockland Trust: https://www.rocklandtrust.com/
Julie Beckham on LinkedIn: https://www.linkedin.com/in/julie-beckham-05589534

In this episode of Behind the Curtain: Money Made Simple, Julie sits down with entrepreneur and author Noah Kagan, founder of AppSumo and one of Facebook's earliest employees. The two reconnect after a chance meeting in a Barcelona bookstore—an encounter that perfectly captures the spirit of Noah's bestselling book, Million Dollar Weekend.

Noah shares his philosophy on the power of asking, following up, and taking fast action. From overcoming excuses to finding business ideas in everyday problems, he unpacks lessons from launching 24 ventures and ultimately achieving financial freedom. Julie and Noah also explore personal finance habits, the link between momentum and success, and how practicing action—big or small—can change your life.

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(00:00:00) Introduction and meeting guest Noah Kagan, founder of AppSumo, at a bookstore in Barcelona.

(00:02:55) Noah explains how a simple "ask" led to meeting his business idol.

(00:03:59) The importance of following up and persistence in achieving goals.

(00:05:27) Noah shares his early career path—from Intel to being Facebook's 30th employee.

(00:06:57) The lesson behind starting Million Dollar Weekend with "Excuses."

(00:08:55) Why momentum and practice are key to developing entrepreneurial habits.

(00:11:51) Noah emphasizes learning finance through practice and personal tracking.

(00:13:29) His approach to budgeting, asset allocation, and long-term planning.

(00:15:18) Viewing budgeting as freedom rather than restriction.

(00:15:52) Using financial modeling to reduce anxiety and plan for the future.

(00:18:37) How to test business concepts before scaling them.

(00:20:01) Turning everyday problems into business opportunities.

(00:20:53) The danger of overthinking versus the value of doing.

(00:21:32) Reframing failure as a positive part of the process.

(00:22:35) The role of generosity and mutual benefit in business success.

(00:24:11) Noah's favorite and least favorite words.

(00:25:16) His final financial challenge for listeners: ask for a dollar and increase investments by 1%.

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Links:

Noah Kagan on LinkedIn: https://www.instagram.com/noahkagan

Rockland Trust: https://www.rocklandtrust.com/

Julie Beckham on LinkedIn: https://www.linkedin.com/in/julie-beckham-05589534

In this episode of Behind the Curtain: Money Made Simple, Host Julie Beckham chats with her longtime friend and accidental influencer, Greg Kata. Their conversation dives into the world of TikTok fame, exploring how Greg transitioned from teaching drama to sharing joyful moments with millions online. Greg recounts his unexpected rise to stardom during the pandemic, the challenges of maintaining authenticity in a fast-paced social media landscape, and the importance of finding joy in everyday life.

Together, they discuss the financial realities of being an influencer, including monetization strategies and the differences between platforms like TikTok and Meta. With a blend of humor and heartfelt insights, this episode encourages listeners to embrace their unique voices and consider how they can cultivate joy in their financial journeys.

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(00:00:00) Introduction of guest Greg Kata, TikTok influencer and old friend of Julie.

(00:01:30) Greg shares his journey to TikTok fame and the role of the pandemic in his rise.

(00:04:10) The story behind Greg's Halloween decorations and the viral rant that changed everything.

(00:07:45) Discussion on the authenticity of content creation and the importance of storytelling.

(00:10:20) Balancing influencer life with teaching and the challenges of sharing personal stories.

(00:13:55) Insights into the financial aspects of being an influencer and brand collaborations.

(00:17:30) The differences between monetization on TikTok and Meta platforms.

(00:20:40) Greg's perspective on the evolving landscape of social media and content creation.

(00:24:15) The role of joy in Greg's work and the importance of staying true to oneself.

(00:28:00) Rapid-fire questions with Greg: favorite words, theme songs, and more.

(00:30:25) Greg's challenge for listeners: create a "Joy account" for guilt-free spending on experiences.

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Links:

Greg Kata on TikTok:

https://www.tiktok.com/@gregisms

Greg Kata on Instagram: https://www.instagram.com/gregismsofficial

Rockland Trust:

https://www.rocklandtrust.com

Julie Beckham on LinkedIn:

https://www.linkedin.com/in/julie-beckham-05589534

In this episode of Behind the Curtain: Money Made Simple, Julie speaks with Paula Murphy, Director of Portfolio Management at Rockland Trust Investment Management Group. Paula explains what a portfolio really is, why most people already have one, and how Rockland Trust helps clients manage their financial goals. The conversation covers the importance of trust and communication with an advisor, strategies for getting started with investing, and the realities of fees and compensation. Paula also addresses common misconceptions, including the role of cryptocurrency, the meaning of “hedge,” and whether it’s ever too late to begin planning. With practical advice for beginners and reassurance for seasoned investors, Paula shares her passion for guiding clients toward financial confidence.

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[00:00:00] Introduction of guest Paula Murphy, Director of Portfolio Management at Rockland Trust IMG.

[00:01:10] Overview of Rockland Trust’s Investment Management Group and services offered.

[00:02:24] What a portfolio really is and why most people already have one.

[00:03:51] Importance of comfort and communication when working with a financial advisor.

[00:06:14] Understanding client priorities—vacations, legacy, education—and aligning financial plans.

[00:07:23] The hardest conversations: setting realistic goals and giving clients “permission” to spend.

[00:10:30] Advice for beginners: starting with workplace retirement plans, index funds, and budgeting.

[00:12:58] How Rockland Trust structures fees as a fiduciary.

[00:14:37] Paula’s perspective on Bitcoin and cryptocurrency as speculative investments.

[00:18:16] Explanation of “hedging” and portfolio diversification.

[00:21:32] The teaching aspect of Paula’s role and empowering clients to ask questions.

[00:23:37] Is it ever too late to start investing? Paula’s reassurance that it’s not.

[00:24:20] Rapid fire Q&A with Paula: favorite word, least favorite word, theme song, and more.

[00:26:35] Paula’s financial challenge for listeners: create a budget and define long-term goals.

Rockland Trust Investment Management Group products are Not Insured by FDIC or Any Other Government Agency / Not Rockland Trust Guaranteed / Not Rockland Trust Deposits or Obligations, and May Lose Value.

Links:

Paula Murphy on LinkedIn: https://www.linkedin.com/in/paula-murphy-53b42662

Rockland Trust: https://www.rocklandtrust.com/

Julie Beckham on LinkedIn: https://www.linkedin.com/in/julie-beckham-05589534

In this episode of Behind the Curtain, Money Made Simple, Julie welcomes Christopher Penn, co-founder of TrustInsights.ai and an authority on artificial intelligence. Together, they explore how AI is reshaping personal finance, from budgeting and investment strategies to preparing for job interviews and career shifts. Christopher shares practical advice on protecting personal data, using AI as a financial planning tool, and balancing machine-driven insights with human expertise. The conversation also examines AI’s impact on jobs, industries in demand, and how individuals can leverage these tools to adapt. Listeners will walk away with actionable tips, including a challenge to use AI for a personalized financial review.

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(00:00:00) Julie introduces Christopher Penn as the episode's guest, focusing on AI and money.

(00:01:53) Christopher explains generative AI and how large language models work.

(00:03:55) Privacy concerns: "If you're not paying, you are the product."

(00:05:20) Julie asks about AI's role in everyday search tools like Google and Siri.

(00:06:13) How AI can support personal finance planning with broad data insights.

(00:09:26) Prompting AI to act like a financial advisor and ask guided questions.

(00:12:03) Christopher's recommended AI platforms and the importance of paid versions.

(00:14:55) Why finance, law, and health always require human validation alongside AI.

(00:16:31) Fields most affected by AI: healthcare needs vs. jobs being displaced.

(00:20:50) Outsourcing vs. AI disruption — speed of change as the biggest challenge.

(00:24:09) The rapid pace of AI adoption and its effects on work and personal finance.

(00:26:26) Using AI as a neutral or adversarial voice to challenge financial assumptions.

(00:27:00) Christopher shares how AI can prepare candidates for tough job interviews.

(00:29:18) The concept of ikigai and how AI can help align skills with fulfilling careers.

(00:31:15) Negotiating pay and the foundational importance of cashflow analysis.

(00:34:34) Money advice Christopher wishes he'd learned earlier: cashflow is king.

(00:35:26) Final challenge: use AI to review your financial statements critically.

Links:

Christopher Penn on LinkedIn: https://www.linkedin.com/in/cspenn 

Rockland Trust: https://www.rocklandtrust.com/

Julie Beckham on LinkedIn: https://www.linkedin.com/in/julie-beckham-05589534

In this episode of Behind the Curtain: Money Made Simple, host Julie Beckham sits down with Dr. Ellie Paris, tenure-track professor of entrepreneurship at Wheaton College and founder of a groundbreaking social impact bookstore and ice cream café in Brockton. Dr. Paris shares her remarkable journey from growing up in poverty to becoming a PhD, MBA, professor, entrepreneur, and community leader. She opens up about the challenges of launching a business with no outside investment, the importance of education and social capital, and the framework she created—“the Five Es”—to empower individuals and communities. Together, Julie and Dr. Paris explore how dreams become reality, the role of mentors and networks, and what it truly takes to succeed as an entrepreneur.

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[00:00:00] Julie introduces guest Dr. Ellie Paris Miranda and her social impact bookstore and ice cream café in Brockton.

[00:02:04] Dr. Paris shares her background as a professor, entrepreneur, and the inspiration behind the bookstore.

[00:04:51] Growing up Cape Verdean in Europe and building an inclusive space that reflects her global experiences.

[00:06:09] Dr. Paris’s personal journey—raised by a single mom, overcoming poverty, and pursuing higher education.

[00:07:36] Bootstrapping the business with no outside investment and honoring her mother’s sacrifices.

[00:09:40] Challenges of entrepreneurship: lack of financial and social capital, and building networks intentionally.

[00:11:19] The power of education in creating opportunities and credibility as an entrepreneur.

[00:14:06] Teaching soft skills—networking, communication, professionalism—to students and interns.

[00:17:56] The role of mentorship and seizing everyday opportunities to guide others.

[00:19:43] Vision for expansion: bringing the bookstore model to communities across America.

[00:20:14] Dr. Paris’s “Five Es” framework: Expose, Experience, Explore, Excel, Elevate.

[00:24:27] What makes an entrepreneur successful: drive, commitment, and resilience in the face of struggle.

[00:27:09] Invitation to visit the bookstore, connect online, and collaborate.

[00:29:15] Rapid-fire questions: favorite word, least favorite word, walk-on song, most used emoji, and motivation.

[00:32:38] Best money advice received and reflections on financial education gaps.

[00:34:13] Challenge to listeners: pick one book, course, or resource to pursue a long-postponed dream.

[00:35:33] Closing thoughts: “Dream big—it takes the same work anyway.”

Links:

Dr. Ellie Paris on LinkedIn: https://www.linkedin.com/in/ellie-paris-miranda

Julie Beckham on LinkedIn: https://www.linkedin.com/in/julie-beckham-05589534

In the debut episode of Behind the Curtain: Money Made Simple, host Julie Beckham is joined by her sister, radio personality Lauren Beckham Falcone (LBF), for an engaging introduction to financial education. Julie, the financial educator at Rockland Trust, shares how her theatrical background uniquely shaped her approach to teaching money management. From creating the children's musical Ms. Money and the Coins ™ to dedicating her teaching style to demystifying finance for all ages, Julie reveals personal finance as approachable and essential—encouraging listeners to embrace financial learning without shame or fear.

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(00:00:00) Introduction of Lauren Beckham Falcone (LBF) and overview of the podcast

(00:01:27) Humorous family anecdotes about borrowing and money habits

(00:02:34) Early signs of Julie's passion for finance as a child

(00:03:46) Julie's transition from musical theater performer to financial educator

(00:04:58) Origin and success of the children's financial musical Ms. Money and the Coins

(00:07:40) Story behind naming the podcast Behind the Curtain: Money Made Simple

(00:09:47) Julie's reflections on the biggest lessons learned about personal finance

(00:10:09) Emphasis on personal finance being uniquely tailored to each individual

(00:14:05) Julie's top financial tip: "Paying yourself first"

(00:15:31) Julie's financial regrets and common pitfalls, like unnecessary storage costs

(00:17:34) Julie's preferred spending indulgence: experiences over things

(00:18:17) Rapid-fire questions: Karaoke favorites and life's theme song

(00:19:41) Closing encouragement: Financial education as empowering and achievable

Links:

Lauren Beckham Falcone on LinkedIn: https://www.linkedin.com/in/lauren-beckham-falcone-94aaa83a

Julie Beckham on LinkedIn: https://www.linkedin.com/in/julie-beckham-05589534

Rockland Trust: https://www.rocklandtrust.com/

What if learning about money felt more like a backstage pass than a lecture? Behind the Curtain: Money Made Simple, hosted by Rockland Trust’s Financial Educator Julie Beckham, brings clarity, confidence, and creativity to personal finance. With expert guests, real talk, and a no-shame policy, Julie cuts through the jargon to help you understand the script of your financial story. Whether you're just starting out or ready for a new act, this podcast puts you and your finances center stage. Listen, learn, subscribe, and share!

Check out the financial education resources in our Learning Center:
Ms. Money’s Classroom
Credit for Life Fairs
No Shame in this Money Game podcast
No Shame in this Money Game’s Mini Money Minute podcast
Spot the Scam videos