Everyone's Talkin' Money: Personal Finance, Financial Freedom, Mental Health and Money Therapy For All

Budgeting and managing your money is hard enough when you have a steady monthly paycheck and a laundry list of goals you want to achieve. When you throw in inconsistent income, budgeting becomes even more complex. Like you, I’ve had many months as an entrepreneur when the numbers don’t add up. I’ve learned a few tricks that I want to share with you in this very special reboot episode.

What You'll Learn

CONNECT WITH SHANNAH

Looking for Money Coaching? Book a complimentary 20-minute call with Shannah to learn more https://savvycal.com/everyonestalkinmoney/comp 

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SPONSORS

Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM.

Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM .

Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to-do lists, and action items. You can try Notion for free at 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 solo episode, I'm covering the seven best fall money moves to make with your money over the next 90-120 days. You'll learn how to best plan for open enrollment, ways to save money and sneaky tricks to find money for the holidays, how to plan out your goals for the last 90 days, and so much more. It's time to focus on your money so you can supercharge the last few months of 2024.

LINKS

ROTH IRA contribution limits article

Holiday Spending Stats article

The Complete FSA Eligibility List

CONNECT WITH SHANNAH

SPONSORS

Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM.

Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM .

Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to-do lists, and action items. You can try Notion for free at 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 of Shannah Shares, Community Q&A, I'm covering tips to boost your credit score this fall and strategies to help keep your credit score safe (including how to freeze your credit). Our community question comes from Jackie: "Hello, Shannah. I finally worked up enough courage to send in a question. I’d love to know any money tricks in general and how to boost my credit score. I’m trying to get my money stuff (trying to avoid profanity there, but you know what word I want to use) together this fall. My credit has been in the not-so-good place for a while, which is my fault, but I’ve decided to improve and tackle this ASAP. Thank you again for this amazing podcast."

LINKS

Experian

CONNECT WITH SHANNAH

Healthy Wealth Program for Women https://etmpod.link/healthywealth  

Ask Shannah questions - submit your question here https://etmpod.link/askshannah 

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 Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM .

Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to-do lists, and action items. You can try Notion for free at 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

Living simply is one of the best ways to create wealth (but let's be honest, it's hard to do). Living in only 150 square feet for years, Ryan Mitchell has learned a thing or two about living simply. Ryan's done everything from downsizing to life simplification and designing a life right for you. He built his own tiny house in 2012, learning as he went along, which inspired him to help others in their journey to live small. Today, he still lives in his tiny house full time and off-grid with solar, teaching others how to live. In this reboot episode, we talk about ways to simplify your life, why it matters, how to build wealth by living simply, and how it might be the missing piece to achieving your desired things.

LINKS

The Tiny Life

Tiny Life on YouTube

CONNECT WITH SHANNAH

SPONSORS

Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM.

Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM .

Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to-do lists, and action items. You can try Notion for free at 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

This is the second episode in a three-part passive income series. Whether you’re in the market to buy a home now or even renting in many markets is out of reach these days. It’s no wonder why there is a movement towards alternative and more affordable housing, like RVs, campers, yurts, and tree houses, and in this episode, we’ll explore dome homes. Our guest, Whitney Hansen, is a money expert, host of the Money Nerds podcast, and a dome living expert who believes that dome living has much to offer. In this episode:

LINKS

Cascade Dome

The Money Nerds podcast

Whitney's website

CONNECT WITH SHANNAH

SPONSORS

Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM.

Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM .

Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to-do lists, and action items. You can try Notion for free at 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 a recent article on CNBC, more than half, or 51%, of Americans have less than three months' emergency savings. However, saving more money is often difficult. What about making more money? In this passive income episode, part of my week of passive income episodes, you'll learn about another idea for creating passive income. Rachel Richards, who has been on this show before for her rental real estate empire, has also built a substantial monthly income from her book sales on Amazon. Even if you don’t profess to be a writer, indeed, there is something you have to share - a skill, a talent, an idea, etc. Rachel’s here to pull back the curtains and share the behind-the-scenes story of how she built a cash-flowing self-publishing side hustle in just a few years and how you can do the same.

LINKS

Rachel's Passive Income Starter Kit

Money Honey book

Passive Income Aggressive Retirement book

CNBC article

CONNECT WITH SHANNAH

SPONSORS

Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM.

Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM .

Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to-do lists, and action items. You can try Notion for free at 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, we're diving deep into why women tend to have less money and are more likely to end up in poverty than men. But don't worry, we're not just here to dwell on the problem - we have an excellent guest here to help us find solutions! The incredible Kim Curtis - bestselling author of Money Secrets: Keys to Smart Investing and Retirement Secrets, nationally recognized wealth management advisor, and President and CEO of Wealth Legacy, is here to drop some profound knowledge about how, as a woman, you can take control of your financial future and start building the wealth you deserve. So buckle up and get ready to learn some severe money secrets - this episode is not to be missed!

LINKS

Kim's website -https://www.wealthlegacyinstitute.com/

Money Secrets book - https://amzn.to/3nNVPvR

Retirement Secrets book - https://amzn.to/3Kw1Shw

CONNECT WITH SHANNAH

SPONSORS

Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM.

Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM .

Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to-do lists, and action items. You can try Notion for free at 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 Ask Shannah, I'm answering two questions from listeners struggling to find the correct financial answers.

Question 1 - "Am I on the right track financially?" I'll discuss how to determine whether your current financial actions are right and what you can do once you build a financial foundation.

Question 2- "Should I consider debt consolidation?" I'll discuss whether or not debt consolidation companies are good and what you need to know before you make that decision.

CONNECT WITH SHANNAH

SPONSORS

Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM.

Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM .

Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to-do lists, and action items. You can try Notion for free at 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

As our guest, Jocelyn Kelly Reid, Queen of the Relaxed Millions Movement and host of the Queen Flow podcast, just mentioned, you must be good at four steps to build wealth. Chances are you’re like the rest of us: good at a couple of those steps but not so good at the others. So, how do you create change to build wealth? Well, Jocelyn believes the secret is to understand the energy of money. This is the idea that money flows to you based on your beliefs about money, which are imprinted from when you were a kid. I know, hard to believe, right? But it’s so true! In this episode, I challenge Jocelyn to dig deep and show you how to work with the energetics of money and ways to use money’s energy to create change in your life. She’ll share some tangible tips to help you avoid feeling unworthy of money to build life-long wealth.

LINKS

Jocelyn's website

Queen Flow podcast

CONNECT WITH SHANNAH

SPONSORS

Thanks to ASPCA for sponsoring the show. To explore coverage, visit ASPCApetinsurance.com/ETM.

Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM .

Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to-do lists, and action items. You can try Notion for free at 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

Did you know that passive income is one of the best ways to build wealth? That’s where our guest, Chris Miles, the Cash Flow Expert and Anti-Financial Advisor, comes in. He has twice used his passive income skills to become financially independent and paid off over $1,000,000 in debt after the last recession without filing for bankruptcy. In this special vault episode, Chris is sharing how to create multiple streams of passive income on virtually any budget, why traditional financial advice sucks, and why true wealth can’t come from a scarcity mindset of saving and only contributing to your retirement accounts contrary to what the Dave Ramsey’s of the world spews to millions of people.

LINKS

Money Ripples

Money Ripples Podcast

CONNECT WITH SHANNAH

Apply for one-on-one Emotions-Based Money Coaching with Shannah https://etmpod.link/coaching 

Ask Shannah questions - submit your question here https://etmpod.link/askshannah 

Freebie: 10 Money Questions to Ask Yourself 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 Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM .

Thanks to Notion for sponsoring the show. Notion is my go-to tool for managing notes, to-do lists, and action items. You can try Notion for free at 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