Are you the type of person who puts something in place and then forgets about it? For example, you opened an IRA at the bank and haven’t bothered to check on it or its performance? Do you even open your statements? This is where I recommend for you to inspect what you expect! We get busy with life and then you have an emergency situation that leads you to needing money and that’s when you remember the account. But to your surprise its performance is not what you expected. This episode talks about the importance of keeping an eye on your money. Most people don’t and they usually are surprised and disappointed. Listen in on why it’s important to stay in communication with your financial professional. I personally highly recommend having a conversation with them at least once a year. Always be aware of what your money is doing! Remember to make money and not excuses!

This episode is mainly to inform you, the consumer, to be very cautious when disclosing personal information over the phone. Not only are we dealing with identity fraud, credit card fraud, bank account fraud, but NOW retirement account fraud. This episode is short, sweet and to the point. Here are the do’s and don’ts when it comes to you handling your personal financial accounts, whether it be, bank accounts or retirement accounts. These hackers are getting very sneaky. Listen carefully and stay alert by following these recommendations. The last thing you want is for your parents or grandparents to loose their hard earned money upon retirement. Take care of yours!

The way SM is right now, anyone can get on and say ANYTHING they want!! As consumers of this content we tend to believe these individuals. It doesn’t matter whether it’s factual or not, we believe it to be true. If you’ve been on SM you know what I’m talking about. Here’s the thing, not all of is factual. In fact most of it is other people’s opinions. Living in this country, freedom of speech is one of our rights. I say this to say, we have to be more careful of the content we listen to and perceive to be true. Sometimes it can do more harm than good. I can go into so many areas with this topic. But what I would like to encourage the consumer is to always do their due diligence and educate themselves on the subject matter at hand. To find out more about what I’m referring to, take a listen to my latest episode. Here’s a hint, it has to do with what I do for a living and what I help families with, day in and day out. Don’t be easily persuaded by other people’s opinions. Gather your facts and make family decisions accordingly. I can’t stress this enough. Should you have any questions or concerns, feel free to get in touch. It won’t cost you anything!!

This episode is a bit different but all about weighing your options and doing your due diligence. As I meet with my clients, the young ones come to me for my personal recommendations regarding their future and their potential careers. I have had a lot of experience in that area personally but I always focus on them. I always tell them to find a career that not only is fulfilling but can help pay the bills and then some. Imagine going to work day after day and hating it. Then you realize you’re still short every month. That’s not life!!! That’s you in the rat race or a hamster in the hamster wheel going nowhere! But waking up and doing the same thing over and over again. If this is not what you want then I highly recommend you listen to this episode for some pointers. Who knows, may this episode will help guide you? Not only do I give you information but I also talk about a few personal stories from my clients and family as well, including my own. The last thing you want to be worrying about as a young emerging adult is actually being an adult and dealing with so many what if’s like most do. I invite you to take seat and listen in. Share this with any Gen Zs and Millennials who find themselves overly anxious and stressed over the unknowns of life. Like always, if you have any questions or inquiries feel free to reach out to me.

Join me on this episode, as I share some stories of old and new clients regarding life insurance for their children. Coming from a mother of five and a grandmother as well, for me personally, it is highly imperative that we protect our children with life insurance. Why is that? Because we are protecting their future insurability . We don’t know what life is going to throw our way, and whether our children will be perfectly healthy or not. These unknown factors are the very reason why we should protect our children with life insurance. In this episode, I talk about child term writers and individual life insurance plans for your children. I highly recommend you consider one or the other and protect your children. Remember to always do your due diligence before committing to anything. Ask as many questions as you need to, to make an informed decision. I’m more than happy to answer any questions you may have. It is a free service and I also offer a 30 to 45 minute consultation free of charge with no commitment necessary. Don’t let it be too late, protect yourself and your children. Your future self will thank you for it.

This episode is focused on going back and re-learning the difference between life insurance products and finding out which one is better suited for your family’s needs. Very often I get asked, “Why should I have more than one product in place?” My response, “That’s a great question.” Because it is!! As a licensed professional it is my duty to explain the differences and let my clients decide for themselves. When I come across a client who is adamant about purchasing one particular product I don’t try to convince them of why they shouldn’t purchase it. What I do instead is ask my client, “Why do you want that specific product? What do you know about the product?” And let them explain. You see sometimes, they don’t know what they don’t know. It is my responsibility to assess how much they understand about the products being discussed to be able to move forward. Once we do that, then we can continue with our conversation. It is highly imperative that we as consumers do our due diligence when it comes to financial matters. Don’t you agree?? Feel free to share this episode with friends and family who are looking into purchasing life insurance. Have any questions? Find us on SM and ask away!

Having a loved pass is one of the toughest experiences of life we have to deal with. Let alone needing to find the place to handle all the burial services and with this comes the expenses. How many know the costs involved? Have you done your research? Here, in the state of California on average it can be anywhere between $10k to $25 depending on what the family wants. How about cremation? Well, that also varies. It all boils down to how much can the family afford. But did you know that if you don’t want any viewing services nor mass etc. the cost can be very well under $1,000 in some locations? This is why it’s important to look around and not go with the first place you visit. Nor should one discuss right off the bat that there’s life insurance in place. Why?? Take a listen to this episode and find out. There’s information on what steps to take should you come across this situation. But always, always do your due diligence!! I can’t stress this enough. Should you have any questions or concerns feel free to reach out!! Our focus is to provide value everywhere this podcast reaches and keep our community informed.

Are you one of those individuals who say new year new goals? If so, where are you as of right now when it comes to those goals? If you decided that you were going to handle your finances a little bit differently this year then you’re in the right place. There’s quite a lot to do when it comes to financial planning, and what I do when I sit down across the kitchen table with a potential clients. First and foremost, before anything else we focus on reviewing their financial needs and goals analysis. I want to know where they’re at and what they are currently doing to get them to their goals. This helps me understand where their mindset is at, and we can go from there The number one objective for me is also to make sure that that family is protected this includes the spouse and the children as well. a lot of times the only one who has any type of life insurance protection is the breadwinner and the stay at home parent doesn’t have anything in place. Sometimes it’s the stay at home parent that needs it the most. Why? Because normally they are the ones who take care of everything from the home, the children, and the cooking as well as doctors appointments and what not. God forbid something should happen to the stay at home parent. How would the breadwinner be able to go to work if they need to tend to the children and the home? Exactly!!! This is when I say, “A simple term will do!” This episode explains everything as to why a simple term may be the best way to start taking care of and protecting your family. Do me a favor and share this information with those you care about. You never know who might be needing this right now. TIA!

How did 2023 turn out for you? Was it what you expected or could you have done better? In this episode we talk about how we can change 2024 if 2023 was not what you had expected. Of course the number one point and key in every episode is to discuss money matters. My focus this year is to bring real life stories from clients, of course with their permission to share. I will be discussing the behind-the-scenes of some of the things I do for my clients as well as maybe some of the events we have. This is actually to show you the listener, what being a financial coach really entails. Why? Well, what if you’ve considered being in the financial services industry but are unsure if that’s in your wheelhouse? Don’t get me wrong. I love what I do but it’s not always easy. Especially when you have to file claims because a client of yours passed. But the reward of knowing you put a plan in place to protect their family is really priceless. You can never bring the loved one back but they can rest assured that their family will be OK financially. Bringing families, financial peace of mind is my number one priority and of the upmost importance to me. 2024 for MommyMoney Matters will be different but in good way. If you don’t follow this podcast yet make sure you do, you’ll be glad you did. Talk to you soon!

Losing a loved one is never easy, and it can be especially difficult to talk to children about death. However, it's important to have an open and honest conversation with your kids about someone passing away. Personally speaking, this subject was taboo in our home. As children we don’t know nor comprehend all the emotions we’re feeling. Being honest and answering all the children’s questions is very important. Explaining that death is a natural part of life and that is ok to feel sad should be part of that conversation. Be as supportive as can be. Your children may be feeling a range of emotions, from sadness to confusion to anger. Let them know that it's okay to feel however they're feeling, and offer your support and comfort. Encourage them to express their emotions in healthy ways, such as talking to a trusted friend or family member, drawing or writing about their feelings, or participating in a favorite activity. Depending on the circumstances, you may be able to help your children say goodbye to the person who has passed away. This could include attending a funeral or memorial service, creating a special memorial at home, or writing a letter or drawing a picture to honor their loved one's memory. Remember, talking to your children about death is never easy, but it's an important part of helping them process their emotions and begin to heal. By being honest, supportive, and providing closure, you can help your children navigate this difficult time with grace and understanding.