What should you do with your money in 2023? It’s a big question but lucky enough Zaneilia Harris, Certified Financial Planner and President of Harris & Harris Wealth Management group and author of Finance’ n Stilettos, and Doug Boneparth, Certified Financial Planner and founder of Bone Fide Wealth both here to share everything you need to know. We dive into how to prepare for a layoff, is 2023 your year to buy or sell your house, how to deal with money anxiety, do we really need to talk about recession anymore, and whether you should be following money advice you hear on social media. This episode is dedicated to you. I know you have some money goals you want to smash this year and we want to help you get there. Both Zaneilia and Doug are the best of the best so get prepared for an exciting, engaging, and action-filled conversation that will get your money set for 2023 and beyond. Let’s start talkin’.
LINKS
Harris & Harris Wealth Management
Finance' n Stilettos book
Bone Fide Wealth
This is the Top Newsletter
SPONSORS
Thanks to HelloFresh for sponsoring this show. Go to HelloFresh.com/mymoney21 and use code mymoney21 for 21 free meals plus free shipping.
LEAVE US A REVIEW
Leave us an honest rating and review, pretty please. Head to the podcast player you’re listening to this episode in to leave us a review or you can click here to leave a review for Everyone's Talkin' Money podcast on Apple Podcasts. 
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What Should You Do With Your Money in 2023 According to Two Money Experts

You can feel good about your money and ditch the stress, and Shannah Game will show you how!
Welcome to Everyone's Talkin' Money (formally Millennial Money), your go-to money podcast where we explore personal finance, money, goals, money therapy, relationships, mental health, happiness, wellbeing, motivation, and entrepreneurship for Millennials, Generation Z, and General X. I'm your host, Shannah Game, a seasoned Financial planner (aka a real money expert) with over eighteen years in the industry. My mission? To help you craft and conquer your financial goals and feel good at the same time. As a Certified Trauma of Money Expert, I'm here to lead you on a transformative journey to mend your relationship with money, chart out achievable financial goals, and embrace the life you've always dreamt of. It's time to feel good about your money! Do you often find yourself tangled in a web of financial stress and uncertainty? Everyone's Talkin' Money is here for you. But here's the twist: I'm not your average financial pundit. Holding the prestigious title of Certified Financial Planner™ and Certified Trauma of Money Expert, I bring a distinctive angle to the podcast. My extensive experience and specialized training equip me to guide you through the emotional labyrinth of money. It's not just about numbers; it's about breaking down those emotional barriers to financial triumph and indulging in some money therapy along the way. The best part of Everyone's Talkin' Money is the stellar lineup of life-changing guests. From experts in the realms of money and personal finance to experts in lifestyle, relationships, entrepreneurship, celebrities, self-improvement, and more. These guests help you deal with one of life’s toughest subjects – money. Our podcast's mission transcends traditional financial advice; it's about healing your relationship with money and setting tangible financial goals. Our guests include money experts offering financial tips, entrepreneurs sharing their goal-setting journeys, insightful authors, and even artists, chefs, and celebrities who open up about their own money stories. Each episode is full of wisdom and inspiration, a testament to real people like you and me, striving to unravel their emotional connection with money while embarking on a journey to build wealth and financial freedom. Everyone's Talkin' Money has carved a niche for itself, earning well-deserved accolades and recognition. The New York Times hailed it as one of the Top 4 Money Podcasts, and the show has been featured in numerous publications as a top personal finance podcast. I put myself in your shoes, fearlessly asking the burning money questions you've longed to have answered but never dared to ask. My distinctive blend of personal finance and money therapy expertise helps you figure out money through a different lens. I also share my wealth of knowledge accrued over my eighteen years in the financial industry in my weekly "Ask Shannah" segments. These segments zero in on listener queries, with real and personalized money insights to steer you on your financial journey. Our podcast guests aren't just experts spewing financial jargon; they are relatable individuals who, like you, are navigating the emotional tides of money while chasing wealth and financial freedom. In the realm of Everyone's Talkin' Money, all are welcome, and our mission is to make money discussions both pleasurable and approachable. In a world where money often serves as a source of anxiety and apprehension, Everyone's Talkin' Money presents a refreshing and empowering perspective. Join us on this enlightening journey toward financial empowerment and emotional well-being. Don’t hesitate to tune in to Everyone's Talkin' Money today and kickstart your journey towards feeling good about your money!

Education

Training

Language Courses

Higher Education

K-12

Educational Technology

Business

Investing

Careers

Management & Marketing

Business News

Shopping

Health & Fitness

Mental Health

This episode is dedicated to the much-hated and universally loathed budget. As you can tell, I’m not a fan, either. That’s because I believe that budgeting was never appropriately taught to you, so the fact that you hate budgeting isn’t your fault. It’s like a system set up to fail, so if you’ve never felt you could do budgeting correctly, or the numbers never work out, don't worry. In this vault Money 101 episode, I give you permission to ditch your budget and instead learn the power of tracking your cash.
LINKS
Monarch (great cash tracking, too)
You Need a Budget

Connect with Shannah
Thank you for being a part of our community! We couldn't do it without you. 

Sign up for my signature course, Unf*ck Your Money https://www.etmlearn.com/unfck-your-money 

Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq 

Sign up for Financial Coaching with Shannah https://etmpod.link/coach  

To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter 

Follow me on Instagram 

Leave a 5-star Review here https://ratethispodcast.com/etm. 

Subscribe to our YouTube Channel https://www.youtube.com/@EveryonesTalkinMoney




SPONSORS
Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/ 
Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout. 
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The Easy Way to Track Your Cash and Reach Your Money Goals

78,000. That’s a 20% downpayment on the average price of a house in 2022, according to The Zebra. No matter how much money you make, that’s a sizable amount. After you riffle through your couch cushions and pull out your rusty calculator to figure out how many coffee runs you need to skip, the question remains: where will you find that kind of cash? In this vault, Ask Shannah, I’m answering the burning question: should I take money from my retirement account to buy a house, or is that the worst decision ever?
LINKS
Average home price in the U.S. article
IRA Withdrawl for Home Purchase
Compound Interest Calculator
Study: First-Generation Americans 
Homeownership Rates for Immigrants
Connect with shannah
Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm. 
Episodes will be live on YouTube in March. Subscribe now https://www.youtube.com/@EveryonesTalkinMoney. 
Sign up now for my course, Unf*ck Your Money, to heal your emotions around money and create a spending plan in place that works.
SPONSORS
Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/ 
Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout. 
Learn more about your ad choices. Visit megaphone.fm/adchoices

Should I Use My Retirement Account to Buy a House- Ask Shannah

Side hustles can be a game-changer in your money situation. Our guest, Whitney Hansen, host of the Money Nerds podcast, knows something about bringing in more cash flow. She has tried and tested many side hustles to find the most profitable and worthy of your time. In this vault episode, we talk about her most profitable side hustles, and I’m talking ways to bring in $500 - a couple of thousands of dollars a month, and why she thinks starting an Airbnb side hustle might not be wise this year, and how to turn your skills and talents into extra cash quickly. Let this be the year you unstick yourself - the year where you create cash flow and move it towards your goals.
Links
Money Nerds podcast
Whitney's website
Liz Loves Lemonade TikTok

Connect with Shannah:
Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm. 
Episodes will be live on YouTube in March. Subscribe now https://www.youtube.com/@EveryonesTalkinMoney.
SPONSORS
Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/ 
Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout. 
Learn more about your ad choices. Visit megaphone.fm/adchoices

Side Hustles That Make the Most Money with Whitney Hansen

Money is complicated. This is a common human feeling about money. There’s a lot to think about - how do you spend money to reach your goals, are you saving enough for retirement, what is it with all those investing acronyms, and how do you enjoy life through all the financial ups and downs? Our guest, comedian Paula Poundstone, and host of the Nobody Listens to Paula Poundstone podcast, knows a thing or two about life’s financial ups and downs. Paula was in debt for a million dollars and spent years climbing out of it. I know it’s not a laughing matter to be in debt; however, we all must embrace Paula's advice. Life will be tough. Life will throw you some curveballs. But, ultimately, life is to be enjoyed, not spent chronically stressed out about money. In this episode, we talk about why money is so complicated, how Paula navigated being in debt, and her advice on how to find true happiness in your life.
Links
Nobody Listens to Paula Poundstone podcast
Paula's comedy tour dates
The Totally Unscientific Study of the Search for Human Happiness book

Connect with Shannah
Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm. 
Episodes will be live on YouTube in March. Subscribe now https://www.youtube.com/@EveryonesTalkinMoney.
SPONSORS
Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/ 
Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout. 
Learn more about your ad choices. Visit megaphone.fm/adchoices

Why Is Money So Complicated with Paula Poundstone

How do you make, save, and invest your way to financial freedom? I’m glad you asked. Our guest, David Greene, host of the BiggerPockets Real Estate Podcast, real estate investor, and author of 5 books, including the best-seller titled Buy, Rehab, Rent, Refinance, Repeat, says you need to focus on saving your money, making more money, and investing in the best place you can. Sounds easy enough, right? So why is it so hard to reach financial freedom? David cautions you to understand your money values, not the ones you borrowed from your childhood - your true money values. David’s advice will radically change how you spend money. He calls this spending from gross, where your subconscious can trick you into thinking you are wealthier than you are. He’s a big fan of making a spending plan and including how much you pay for taxes. I promise you this tip will change how you look at your spending decisions forever. In this episode, we talk about what millionaires know about getting wealthy that we don’t, how to use your paycheck to achieve financial freedom, and, of course, we talk about real estate investing and how to use the current market to your advantage. If you love the BiggerPockets Real Estate podcast, you’ll love this conversation about reaching financial freedom.
Links
BiggerPockets Real Estate podcast 
David's books 
David Greene Real Estate on YouTube

Shannah's Links
Thank you for being a part of our community! We couldn't do it without you. To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter or follow me on Instagram to keep up with everything happening in the world of Everyone’s Talkin’ Money. You can download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq and leave a 5-star Review here https://ratethispodcast.com/etm. 
Episodes will be live on YouTube in March. Subscribe now https://www.youtube.com/@EveryonesTalkinMoney.

SPONSORS
Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/ 
Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.
Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. 
Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast.
Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.  
Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order.
Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout. 
Learn more about your ad choices. Visit megaphone.fm/adchoices

What Should You Do With Your Money in 2023 According to Two Money Experts

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