Life is Life!

This week we bring back a longtime friend and collaborator with the Talk Wealth crew. Professor Howard Eskew is a former banker turned educator who's passion for financial literacy is unmatched. He is the man that was behind and created a personal finance class that is offered at San Diego Mesa College. It was so popular that there is a waiting list every semester. This week we talk about how challenging and rewarding it is to teach personal finance and how students really grasp real world tools to help decision making that impact theirs and their family's lives.

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The worldwide pandemic has changed our way of life over the last year and a half with how we purchase food, clothing and goods. It has brought us drive up delivery, Uber Eats, Door Dash and more. It has also changed the way we look at life, relationships and our careers. There has been a profound shift, just go to your nearest restaurant or retail store and you will see, "we're hiring" signs. It's everywhere!

This week Nate Astle returns to Talk Wealth To Me to discuss the mental stress and trauma that people are experiencing as well as his own journey and mental health that led him to change the course of his career.

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So here we are, the final days of 2021. After a year that we all experienced a pandemic and stay at home orders we all hoped it would be a year where we got back to "normal". Well in many ways it did but it was also a year of many more challenges and new adventures. We talked about so many incredible topics and had some of the greatest guests. In this episode we look back at the year 2021 and rehash some of our favorite and not so favorite moments. We wish you all a very Happy New Year and we look forward to 2022! This episode was recorded live on zoom and Facebook December 15, 2021. The video of the recording can be found here https://www.youtube.com/watch?v=ea022_zTUsk 

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Bank fees have been around forever and are costly to all of us. However overdraft fees have become all too much of the norm over the last decade. Banks seem to be relying on overdraft and non-sufficient funds (NSF) revenue to maintain their high-profit margins, according to a new December 2021 report from the Consumer Financial Protection Bureau (CFPB). Specifically, the U.S. financial watchdog agency found that roughly two-thirds of bank profits come from NSF and overdraft fees. Well it seems that report has made a few banks take action and get rid of their overdraft fees. The Talk Wealth To Me Crew discuss the the implications of this report and the subsequent moves by at least one major bank.

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The Holiday shopping season is here! We hope you have prepared your budgets and are ready to go. But has the way we shop changed forever? Our team goes over some trends they noticed and read about showing maybe Americans no longer line up with excitement for Black Friday and Cyber Monday deals. Will the malls ever see crowds like they used to? Could it be that more people planned ahead or are more people just shopping online? The Talk Wealth To Me Crew covers those topics and more.

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"Home is where the heart is", they say. For many home is where they were born and raised and no matter the situation that's where they stay. For many however the pandemic had people looking at their situations differently. One of those was former San Diego Financial Literacy Center and California resident Brad Pagano. A financial professional, veteran of the non-profit industry, Brad reflected on his life and what he wanted out of it for he and his family going forward. Less financial stress was at the top of the list and that wasn't going to be possible if he stayed where he was.

Brad joins the Talk Wealth to Me crew to discuss the financial decisions that went into moving out of the city he had lived in for 17 years and making a new life for his family.  

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No one gets married with the intent of eventually getting a divorce yet it happens. Even though the number of divorces have declined still between 40 and 50 percent of marriages end in divorce. The question for those looking to end their marriages is what is it going to cost? Not just in legal fees but who is going to be responsible for what and who is going to have to pay who? Obviously there is no straight answer as everyone's situation is different. Today the Talk Wealth To Me Crew sit down with San Diego Divorce Attorney, Jennifer Zachary who takes us through all of the different scenarios that can arise during the divorce process. This is an incredibly insightful and interesting conversation which can be an uncomfortable one.

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Life is hard! Life in the twenty-first century can be and is stressful for so many reasons. The 24 hour news cycle with thousands of different sources to get you information that may or may not be true, to social media that spreads lies and hate or pictures of people in their perfect lives.

One constant for stress for hundreds of years has been money. Adding to that stress for more than five decades however, has been credit card debt. Today's episode the Talk Wealth To Me crew discusses the warning signs of credit card debt and stress and what you can do about it. 

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As I was growing up I always had an idea of what marriage was like. I was a born romantic so to me it was all about love and passion. As I got older that didn't change but I did enjoy my single years immensely! I could spend my money how I wanted, on what I wanted. That thinking got me in a lot of credit card debt! My wife of 15 years  was just saying the other day, "I had so much money when I was young and single". We laughed because we as a couple feel like we never have money as it seems to go out as fast as it comes in.

This week the Talk Wealth to Me crew discusses new research that seems to say that couples tend to be more well off than their single counterparts. And for some reasons that might surprise you.

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Netflix was on the cutting edge of streaming television in the early days but had seen the competition take much of the market share in recent years but that may all have changed in a flash as a new phenomena has taken over. I have to admit, I never heard of it until my wife mentioned my son's friends had watched an episode and parents were talking. Squid Game! On the surface, a very violent show from Korea that is nothing more than games to the death with endless violence. But it is so much more than that. The Talk Wealth to Me crew gets together to discuss the depth of the of the show and how financial circumstances of the characters and society in general is at the forefront of the show.

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