Life is Life!

This week the Talk Wealth To Me crew sits down with Daniel Romero, director of the San Diego Military Family Collaborative (SDMFC) and the Dads Corps - two programs within the incredible nonprofit organization SAY San Diego. We discuss the many struggles that military families and veterans incur through their military and post-military careers including personal financial difficulties due to high cost of living (especially on the coasts), dealing with deployments, preparing for civilian life and much more. 
 
 Collaboration among many organizations allows the SDMFC to support those who lack things that most of us take for granted while they protect and serve our country. Daniel is one of the good ones!

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We love our cars! Over 14.5 million cars were sold in 2020 - down from 2019, but still a lot considering the economic impact of the pandemic. Buying a car is something that most of us will experience at least once in our lifetime and often we say, "I got a great deal!" But did you, really? Talk Wealth to Me sits down with Sharon Glassey of Glassey Law (glasseylaw.com). Sharon has more than 20 years of experience litigating auto fraud, lemon law and Fair Debt Collection Practices Act (FDCPA) cases throughout California. We cover the biggest mistakes people make when they walk on a car lot and what  to avoid. If you have ever had that feeling of clammy hands, nerves, excitement or buyer's remorse, you won't want to miss this episode. 

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This week the guys sit down with Parth Asawa, a senior at Monta Vista High School in Cupertino, CA and the Director of the Financial Literacy Introduction Program which is part of the nonprofit, Youth Economics Initiative.

Parth speaks openly about how he realized he didn't know much about money and finances in the "adult" world and shared what he hopes to do to provide this important knowledge to other young people. At a young age, he recognizes that personal finance should be taught in schools before students head off to start their lives after high school. We enjoyed chatting with this young man and think you'll be as impressed by him as we were.

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This week the guys discuss the very difficult and often heart-wrenching decisions that need to be made by pet owners when caring for an ill pet. Chase discusses the roller coaster ride it has been with his dog, Jackson, over the last two years. Not just the emotional toll of caring for a sick dog, but the very real financial decisions that go with it. Most pet owners will endure this at least once in their pet's lifetime. What treatments do we choose? What is the cost involved in those treatments? Will it cure them or just sustain a normal life for a short time? And many, many more.

We all love our pets because they become a part of our families and love us unconditionally. Unfortunately other factors such as finances have to be considered, no matter how difficult those choices may be to make.

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As we've discussed on the podcast before, personal financial education for the next generation on issues of credit, debt, budgeting and how to become financially responsible adults is incredibly important. This week the guys sit down with Rebecca Ivonovich Gallagher, the chair of the California Jump$tart Coalition, whose mission is to further personal financial knowledge among California students and to empower partners, educators and communities to implement financial education in classrooms. Rebecca's passion for the subject is palpable. A former accounting professional, teacher and now a specialist in workforce development for the Sonoma County Office of Education, Rebecca shares exciting Jump$tart programs such as the Financial Foundation for Educators, and introduces us to the incredible volunteers driving the mission and introducing financial knowledge to our youth.

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The #1 most misunderstood topic in the world of personal finance (outside of investing) is consumer credit. We are constantly asked how to improve a credit score, and people expect that there is one clear answer, and they will be able to fix or build it with a tweak here or there. Many people don't even know that they have a credit rating and are shocked if it's not a good one. 

This week we sit down with DebtWave Credit Counseling's Consumer credit expert and coach, Crystal Williams. She has helped hundreds of DebtWave clients and many others navigate their credit, guiding them with knowledge and sharing skills to improve it. We discuss the steps people can take to improve their credit as well as what to avoid.

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If you know our guys or have watched them present you know the truth. They may be the pros but this week's guests are the ones who keep their finances organized. Plus they can't do a #valentines episode without their better half.  Valentines Day can bring a lot of emotions, emotions that can change throughout the years based on where you are in life. One thing that doesn't change is the perception that it is an expensive holiday. But does it have to be? Join us for the Valentines Day edition of Talk Wealth to Me.

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Bring on 2021! We kick off the new year with the importance of family at the forefront of our minds. We have just come off the holidays and let's face it the oddest of holidays it was for many families as traditions took a back seat to a virus. But the realities of the the holidays and a new year come to attention as credit card bills start coming in and the anxieties and frustrations that can come with it. Everyone has heard of #BlackFriday and #CyberMonday and hopefully #GivingTuesday but #BlueMonday has come and gone and most may not even know it exists. But many may be feeling it. We discuss how emotional finances can be on both sides of the equation and how important it is to put it all in perspective and the tools to creating a healthy financial future.

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Bring on 2021! We kick off the new year with the importance of family at the forefront of our minds. Financial education, financial literacy, financial capability or any name we want to put on it is at the heart of Talk wealth to Me. It is what we're passionate about and what we firmly believe people really want and yet most have not received it. Well, we have a treat for you today! Our guest is the Co-Founder and Executive Director of Pockets Change, an organization that started with this question, “Why don’t more of us learn about money when we’re kids?”  That led to many more questions and away they went. There is not a more passionate champion for financial education for kids and families than Andrea Ferrero. We talk about the emotions of money and finances in the home and how they start at an early age. How families can communicate and introduce money to their children and so much more. Please enjoy!

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This has come up in almost every episode of Talk Wealth to Me since we began the podcast in 2019. It is a major part of workshops we deliver to schools, communities and organizations all over San Diego and beyond. It is the backbone of every personal and professional relationship. Yet many don't do it, for different reasons. Communication is vitally important especially when it comes to relationships. Money is the #1 reason for divorce, and according to a survey by Ally Bank 36 percent of couples reported that money was the biggest source of stress in their relationship.
 
 In this episode, Chase and Felipe sit down and discuss the financial mistakes that couples make and how they can avoid them by communicating better.
 
 We want to thank the crew at Saturday Night Live for a truly hysterical - and very real - skit that aired a few weeks ago. Perfect introduction for this week's podcast!

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