We didn’t grow up learning how to budget, invest, or plan for the future — but somehow we’re expected to have it all figured out as adults.

In this episode of Herm’s House, Kristin and Herm sit down for an honest conversation about family finances, financial planning, and the money habits we inherited (for better or worse). They reflect on how their upbringing shaped their relationship with money, why having a financial advisor isn’t just for the wealthy, and what it looks like to unlearn bad habits while raising kids of their own.

The conversation blends real-life parenting challenges, nostalgia for the MTV era, and the reality of adulthood — where financial decisions carry more weight and planning ahead matters more than ever.

This episode is for anyone who grew up on pop culture, learned money lessons the hard way, and is trying to do things differently for their family.

💡 Episode Highlights

• Why financial advisors are for everyday families — not just the wealthy
• How childhood experiences shape adult money habits
• Breaking unhealthy financial patterns
• Budgeting and planning for long-term stability
• Inflation, adulthood, and why “winging it” doesn’t work anymore
• Parenting through financial responsibility
• Nostalgia, MTV, and how culture has changed
• The importance of open conversations about money at home

🔊 Sound Bites

• “We didn’t grow up learning this stuff.”
• “You need a plan to get there.”
• “You don’t do your own dental work — why do your own finances?”

⏱️ Chapters

00:00 – Why money conversations matter

10:02 – MTV, nostalgia & growing up

17:51 – Parenting decisions & financial stress

28:01 – Sleep deprivation & real-life chaos

30:53 – Family dynamics & comfort zones

33:27 – Cooking, responsibility & division of labor

36:41 – Growing up & changing family needs

44:07 – Work-life balance & generational differences

🤝 THANK YOU TO OUR SPONSORS

ANCHOR FINANCIAL SOLUTIONS GROUP, LLC

📍 2544 E 10th Street, Tucson, AZ 85716

📞 520.620.5320

🌐 https://www.anchorfinancialsolutionsgroup.com

Helping families and veterans build clarity, confidence, and long-term financial stability.

BEAUTIFUL SUNDAY MARKETING COLLECTIVE

📞 520-405-3298

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🌐 https://beautifulsundaymc.wixsite.com/beautiful-sunday-mar

Creative storytelling, strategy, and branding for purpose-driven businesses.

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