No More Excuses. Wake Up!

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My mother worked for 25 years.
Now I’m watching what retirement REALLY looks like.

In this deeply personal episode of Money Talks with Stenell The Money Therapist, Stenell opens up about caregiving, aging parents, Social Security, pensions, entrepreneurship, and the financial realities many families are unprepared for.

This isn’t just about money.
This is about life, responsibility, legacy, and preparing for your future before it’s too late.

In this episode:
• Why Social Security matters
• The danger of avoiding taxes as a 1099 worker
• Why entrepreneurs still need retirement plans
• Pension vs 401(k) vs SIMPLE IRA
• Caring for aging parents
• The emotional reality behind retirement
• Why financial preparation matters more than ever

Whether you’re building a business, taking care of family, planning retirement, or trying to secure your future, this conversation is for you.

Subscribe for more honest conversations about money, healing, business, retirement, and generational wealth.

#MoneyTalks #StenellTheMoneyTherapist #SocialSecurity #RetirementPlanning #Pension #CaregiverLife #FinancialWellness #EntrepreneurLife #Retirement #FinancialFreedom

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Welcome back to the channel—I’m Stenell “The Money Therapist” Myers, financial coach, counselor, and advocate for real change. If you're looking to step into homeownership with confidence, today's video is especially for you.

💡 What you’ll learn in this video:

What the Hometown Heroes Program is and how it provides down payment or closing cost assistance to veterans, teachers, first responders, healthcare workers, and more.

✅ Who qualifies and how to check if your community offers this benefit.
✅ Credit score and lender requirements you need to know.
✅ What to expect regarding repayment terms (if any).
✅ My personal tips to prepare for homeownership with confidence.

As a Master’s-trained mental health counselor turned financial coach, I cut through the financial jargon to bring you real, actionable tools and motivation. Whether you’re a hero looking for help or someone who supports them, this video will give you clarity and encouragement.

✨ Let’s make homeownership possible—for you, for our heroes, and for your legacy.

📲 Contact Stenell “The Money Therapist” Myers
🌐 Website: www.stenellthemoneytherapist.com

📧 Email: [email protected]

👍 Don’t forget to Like this video if you found it helpful.
💬 Share your questions or experience with the program in the comments!
🔔 Subscribe for more real-life money tips, homeownership programs, and financial empowerment.


#HometownHeroes #FirstTimeHomeBuyer #MoneyTherapist #DownPaymentAssistance #HomeownershipGoals #FinancialFreedom #realestatetips

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Are you a First Time Home Buyer?

Buying your first home is exciting—but it can also feel overwhelming. In this video, I’ll walk you through the essential steps every first-time homebuyer should know. From preparing your finances, getting pre-approved, and finding the right property, to making an offer and closing the deal—I’ll guide you each step of the way.

Whether you’re just starting to think about homeownership or you’re ready to make the leap, this guide will help you feel confident and prepared.

✨ What you’ll learn in this video:

Key steps for first-time homebuyers

Common mistakes to avoid

How to budget and get pre-approved

Tips for choosing the right home

What to expect during the closing process

🏡 Ready to start your journey to homeownership? Let’s make buying your first home simple and stress-free!

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🎥 This is WHO I AM and WHAT I DO for many years!

WELCOME TO MY WORLD – PURPOSE. IMPACT. LEGACY.

Hi, I’m Stenell Myers – entrepreneur, community advocate, and woman on a mission to build up others through real estate, youth empowerment, and compassionate care. This is WHO I AM! 

👣 My journey is deeply personal. Since 2019, I’ve been a full-time caregiver for my mother who has dementia. That experience shaped my passion and purpose—leading me to create services that truly meet people where they are.

✨ Here’s what I do:
🔹 I help families buy and sell homes through Align Right Realty.
🔹 I lead JOY Making A Difference—an after-school program teaching financial literacy and entrepreneurship to kids ages 10–13.
🔹 I run A Second Touch—a support coordination agency in New Jersey helping individuals with disabilities receive the care and resources they need.
🔹 I create real-life content to inspire, educate, and support others walking similar paths—because I know how it feels.

This channel is where heart meets hustle. You’ll find stories, tips, real talk, and real purpose.

🗣️ If you believe in building legacy, lifting others, and living a life of intention—welcome home. You belong here.

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How Real Estate & Healthcare Are Like a Married Couple 👩🏽‍⚕️🏡 | The Unexpected Connection


Most people don’t realize it—but real estate and healthcare are deeply connected, like a married couple. One affects the other, and both require support, planning, and guidance to thrive. That’s where I come in.

Whether it’s helping families transition loved ones into care while navigating a home sale… or managing housing and support services for those in need, I bring both worlds together with heart and strategy.

In this video, I share how my work in real estate and my healthcare agency, A Second Touch, complement each other—and why this powerful connection matters now more than ever.

👉 Don’t forget to like, comment, and subscribe for more behind-the-scenes insights from someone who lives in both worlds.

#RealEstate #HealthcareSupport #ASecondTouch #SeniorCareSolutions #RealEstateWithHeart #HousingAndHealthcare #LifeTransitions #StenellMyers

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Ever wondered how after-school programs like mine get funded? In this video, I break down exactly how I get reimbursed through the 21st Century Community Learning Centers Grant to run Just Our Youth (J.O.Y) Making A Difference—a powerful after-school program changing lives through financial literacy, entrepreneurship, STEM, and more.

💡 Whether you're a nonprofit leader, educator, or entrepreneur looking to start or grow a youth program, this video gives you real insight into the reimbursement process, what documentation is needed, and how to stay compliant and organized.

✅ What you’ll learn:

How reimbursement works for 21st Century-funded programs

What expenses are covered

My process for submitting, tracking, and receiving funds

Tips to avoid delays and mistakes

🔔 Don’t forget to like, subscribe, and hit the bell for more videos on funding, youth development, and making an impact through education.

👇 Drop a comment if you’re starting your own program or applying for a grant—I’d love to connect!

#AfterSchoolProgram #GrantFunding #21stCenturyGrant #YouthEmpowerment #JOYMakingADifference #NonprofitFunding #FinancialLiteracy #Entrepreneurship #STEMforYouth

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🎉 Builders Are Giving Incentives – Here’s What You Need to Know! 🏡💰

Thinking about buying a new construction home? Now might be the perfect time! Builders are offering some amazing incentives — from lower interest rates to closing cost assistance and even design upgrades.

In this video, I’ll break down:
✅ Why builders are offering these incentives
✅ What kind of perks you can expect
✅ How to take advantage of these deals the smart way
✅ Why working with a realtor still matters (yes, even with new builds!)

Whether you're a first-time buyer, investor, or relocating, this could save you thousands.

📲 Have questions or want to tour new builds in your area? Let’s chat!

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Does Your Bank Account Match Your Age? 💸 | Let’s Talk Real Financial Goals

Are you where you should be financially for your age? In this video, we’re diving into a real conversation: Does your bank account reflect your age, your goals, and your lifestyle? 🙇‍♀️

We’ll break down:
✅ What financial benchmarks look like by age
✅ Why your savings should grow with your seasons of life
✅ How to shift your mindset and habits for long-term wealth
✅ Tips to stop just earning money—and start keeping it

Whether you're 25 or 55, this video is your wake-up call to check in with your financial reality and create a plan to level up.

Subscribe for more money tips, real estate insights, and wealth-building wisdom. 💼📈

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Are you ready to build serious wealth through real estate? In this video, I break down the 1031 Exchange — one of the most powerful tools savvy investors use to grow their portfolios tax-deferred.

Whether you're a first-time investor or thinking about selling a property and reinvesting, this guide will help you understand:
✅ What a 1031 Exchange is
✅ Who qualifies
✅ The strict timelines you must follow
✅ How to avoid paying capital gains taxes (legally!)
✅ Tips to maximize your investment potential

📈 Real estate isn’t just about buying and selling — it’s about strategy. The 1031 Exchange is one of the smartest ways to keep your money working for you.

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Are you dreaming of a life without monthly mortgage payments? 🏡 In this video, we’re diving into why paying off your home early can be one of the most powerful financial decisions you’ll ever make.

✨ Whether you're a first-time homeowner or well into your mortgage journey, this video will walk you through:
✅ The benefits of early payoff (hello, interest savings!)
✅ How it impacts your financial freedom
✅ Simple strategies to pay down your mortgage faster
✅ Why it’s not just about the money—it’s about peace of mind and long-term wealth building

💡 Mortgage freedom gives you flexibility, security, and the ability to invest in other wealth-building opportunities.