Everyone's Talkin' Money

Are you ready for health care open enrollment? Open enrollment for health insurance is right around the corner. However, no matter when you’re listening to this vault episode, you’re going to love this guide to hacking health insurance with Cosmopolitan Deputy Lifestyle Director Ashely Oerman. Ashley is breaking down what you need to know to save some bucks in the process, like her great tip on whether to choose an HMO or PPO. She also shares what you need to know about a Health Savings Account and ways to save on prescription drugs.LINKS Cosmo's Smart Girl's Guide to Hacking Health Insurance  Open enrollment guidelines Ashley on Instagram Ashley's website Timestamps[00:02:57] PPO as a better option.[00:06:00] Choosing health insurance plans.[00:09:39] Health costs without insurance.[00:12:13] HSA health savings accounts.[00:16:34] Therapy and mental health.[00:21:42] Getting married for health insurance.[00:24:03] Prescription drug prices and savings.[00:29:39] Living in an expensive city.[00:32:03] Negotiating medical bills.SPONSORSThanks to Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off.Thanks to NetSuite for sponsoring the show. Download NetSuite’s popular KPI Checklist for free at www.netsuite.com/etm. 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 AirDoctor for sponsoring the show. Head to www.airdoctorpro.com and use promo code ETM and depending on the model, you’ll receive UP TO 39% off or UP TO $300 off.How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/  Keywords:Open enrollment, health insurance, how to pick the best health plan, deductible, out-of-pocket max, HMO, PPO, premium, money, personal finance Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover the reasons behind the rise in car insurance premiums and how to save money. Topics include car insurance rates, factors influencing premiums, reasons for the increase, and tips on managing rising rates and investing for beginners.

How often do you think about money and for bonus points, what are those thoughts? The truth is, we all have financial anxiety. But if you are spinning in anxious money thoughts and unsure how to get out of that loop, this episode is for you. As Lindsay Bryan-Podvin, a biracial financial therapist and wellness expert and author of the book “The Financial Anxiety Solution” says, “Anxiety is a normal and healthy stress response that all humans have - if their nervous system is working appropriately and it might come along with some physical symptoms - sweaty palms, heart racing, etc..” The goal isn’t to never feel anxiety around money because that just isn’t possible. The goal is to have a normal and healthy anxiety response - and one that you can move through. So, how do you get there? In this episode, Lindsay shares the role your childhood, particularly 0-age 8, might play in those anxious thoughts, how money anxiety impacts your daily life, some great exercises to move through those anxious thoughts, and how understanding your money personality will help you play to your money strengths.LinksThe Financial Anxiety Solution bookLindsay's website Mind Money Balance podcastTimestamps[00:00:22] The influence of childhood on money beliefs.[00:06:09] Zero to eight years old.[00:07:32] Lack of conversation around money.[00:10:59] Financial anxiety and money stories.[00:15:00] The meaning of anxiety.[00:22:26] Extreme financial anxiety moments.[00:27:49] Practicing coping skills without stress.[00:30:42] Financial privilege and shame.[00:33:10] Money scripts and personality.[00:36:03] Blissfully ignorant and money.[00:39:13] Empowered use of money.[00:45:58] Normalizing money anxiety.[00:46:24] Financial Anxiety Solution.SPONSORSThanks to Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off.Thanks to NetSuite for sponsoring the show. Download NetSuite’s popular KPI Checklist for free at www.netsuite.com/etm. 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 AirDoctor for sponsoring the show. Head to www.airdoctorpro.com and use promo code ETM, and depending on the model, you’ll receive UP TO 39% off or UP TO $300 off.How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices

We went from staying at hotels to staying in Airbnb and back to staying at hotels. But the fees, there are fees everywhere you look. And the perks of staying at hotels are drying up…including this one perk that used to be free. This is a new format for the podcast, and I hope you enjoy these twice-a-week shorter episodes focused on a money news topic.LinksHow to Check In Early At A Hotel articleSPONSORSThanks to Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off.Thanks to NetSuite for sponsoring the show. Download NetSuite’s popular KPI Checklist for free at www.netsuite.com/etm. 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 AirDoctor for sponsoring the show. Head to www.airdoctorpro.com and use promo code ETM and depending on the model, you’ll receive UP TO 39% off or UP TO $300 off.How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Women, want to learn how to confidently take control of your money? First, we’ve got a lot of things working against us. We start and stop our careers many times for kids and family members, and we live longer than men on average because of that, we typically spend our money taking care of our male partner and tend to avoid talking about money. It makes sense why, as our guest Jenifer Sapel, a financial advisor and owner of Utor Wealth, said at the beginning of this episode - we’re often talked to like infants. But Jen cautions us that context is important. You see, the financial services industry was designed by and for cis white men. So, as women, we’ve got to start talking about money, educating ourselves about money, and aligning our money with our values. Jen brings it all in this conversation, where she shares the 3 phases of your financial life that you need to know about, why we need to break the model of ranking things from best to worst when it comes to money, and why you need to know that wherever you’re starting from is perfectly ok - learning about money is a lifetime practice. And you don’t want to miss our conversation about fun financial facts about women - like that banks could legally require a man’s signature for a woman to apply for a loan all the way until 1988. That’s not that long ago.The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Investment Advice offered through WCG Wealth Advisors, LLC, a Registered Investment Advisor. Utor Wealth is a separate entity from The Wealth Consulting Group and WCG Wealth Advisors, LLC. LinksUtor WealthGuide to Finding the Right Financial Advisor Jen on Instagram Timestamps[00:01:56] Empowering women to take control of their money[00:04:44] The predominant narrative in our society about women and money.[00:08:10] Shifting the context of finance.[00:14:13] Exchanging value for financial compensation.[00:16:00] Women-owned banks and financial equality.[00:20:09] The system's bias by design about women and money.[00:24:12] Money as a precious resource.[00:29:31] Financial flexibility and decision-making.[00:33:20] DIY vs Hiring Professionals.[00:36:33] Money and family dynamics.[00:40:36] Women aare better investors.SPONSORSThanks to Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off.Thanks to NetSuite for sponsoring the show. Download NetSuite’s popular KPI Checklist for free at www.netsuite.com/etm. 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 AirDoctor for sponsoring the show. Head to www.airdoctorpro.com and use promo code ETM and depending on the model, you’ll receive UP TO 39% off or UP TO $300 off.How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices

This vault episode is all about our furry best friends and explores dog ownership, the costs vs. investment. Our guest on this dogolicious episode is Krista Karpowich, who owns Wag Out Loud and is the host of the Wag Out Loud pawdcast. The Wag Out Loud pawdcast is a show that helps us pet parents to be the best advocate for your dog’s health and wellness. She’s here to share everything she knows about dogs, including how much money to spend on food, what to feed your dog, what kind of pet insurance she loves, how much money to devote to training, treats and toys, and so much more. Whether you have a dog or are looking to bring one into your life, this episode is for you.LINKSWag Out Loud PumpkinTrupanionLemonadePawpSPONSORSThanks to Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off.Thanks to NetSuite for sponsoring the show. Download NetSuite’s popular KPI Checklist for free at www.netsuite.com/etm. 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 AirDoctor for sponsoring the show. Head to www.airdoctorpro.com and use promo code ETM and depending on the model, you’ll receive UP TO 39% off or UP TO $300 off.How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices

It can feel hard to master your budget with inconsistent income, especially if you're an entrepreneur. Budgeting and managing your money is hard enough when you have a steady paycheck each month and a laundry list of goals you want to achieve. When you throw in inconsistent income, budgeting becomes even harder. Just like you, I’ve had so many months as an entrepreneur when the numbers don’t add up. I’ve learned a few tricks along the way that I want to share with you in this very special reboot episode.What You'll Learn How I learned to budget when running a non-profit business in college What steps you can take to set up your budget to plan for inconsistent income What steps you can take when you're in the middle of a month or stretch of inconsistent income The most valuable lesson I've learned as a lifelong entrepreneur to make my budget work Why you can't get past knowing your numbers - and why they are the key to your success How I got past the "I deserve it" syndrome to find balance every month Links You Need a Budget (budgeting app I use) Marcus by Goldman Sachs (for ER fund savings) Ally Bank (for ER fund savings) Timestamps[00:01:34] Empowering budgeting strategies. [00:06:04] Managing expenses and being resourceful. [00:08:31] Emergency savings importance. [00:12:39] The power of manifesting. [00:18:01] Knowing Your Numbers. [00:20:30] Tracking your expenses is key. [00:24:10] Getting past the "I deserve it" syndrome. [00:28:41] Consistency in managing money.SPONSORSThanks to Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off.Thanks to NetSuite for sponsoring the show. Download NetSuite’s popular KPI Checklist for free at www.netsuite.com/etm. 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 AirDoctor for sponsoring the show. Head to www.airdoctorpro.com and use promo code ETM, and depending on the model, you’ll receive UP TO 39% off or UP TO $300 off.How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Does this sound familiar? You get a good night’s sleep, but you still have brain fog and a mid-day slump of energy, and no matter what you eat, you just feel yucky. I think most of us will say Yes, this is me, and you know what, these feelings in your body are all common. But, according to our guest Bridgitte Mallinson, a functional medicine dietitian, business mentor & the founder and CEO of GutPersonal, a supplement company that empowers everyone to eliminate gut issues for good through a personalized approach, those feelings are not normal, and you don’t have to live with them. I know you’re thinking, what does your gut have to do with money? Hear me out - it’s hard to make good money choices if you don't feel good. On top of that, you’ve probably spent a lot of hard-earned money buying supplements and trying everything to feel better…and nothing has worked. So, in this episode, Bridgitte is going to get you good and informed about the powerful connection between making more money and a healthy gut. We’re going to talk about some touchy subjects like yes, your poop, and what’s all going on down there. And tips to stop throwing away money on supplements that aren’t working for your body. Never underestimate the power your health has on growing your wealth.LinksGut Personal - Take the quiz, and use code Shannah to get a discountBridgitte on Instagram Timestamps[00:02:12] Investing in our wellness.[00:07:23] Health story and childhood normalization.[00:08:53] Sleep and its connection to wellness and money.[00:15:41] Healing our gut.[00:19:52] Finding quality supplement brands.[00:21:12] Quality and cost of supplements.[00:25:22] Eating out and food sensitivities.[00:30:09] Gut health and wealth transformation.[00:35:33] Healing your own gut.[00:39:52] The power of natural remedies.[00:42:07] Are probiotics good for us?[00:45:38] Gut health and personalized testing.SPONSORSThanks to Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off.Thanks to NetSuite for sponsoring the show. Download NetSuite’s popular KPI Checklist for free at www.netsuite.com/etm. 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 AirDoctor for sponsoring the show. Head to www.airdoctorpro.com and use promo code ETM and depending on the model, you’ll receive UP TO 39% off or UP TO $300 off.How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Am I saving enough? Will I have the money I need to retire? Is it okay to spend money on traveling and having fun? Am I being irresponsible with my finances? How do I really know if I’m doing well financially? This episode was inspired by a listener question from Lizbeth, who sent me this message, “Shannah, I feel like I’m in a bit of a tailspin. I know you always say that making different money decisions depends on your goals. And I’ve learned so much from this show and from your honesty about money over the last few years. But I’m in a weird space. I just don't know how I’m doing financially. I know I shouldn’t care about how well I stack up, and I’m trying my best, but it just feels like I’m alone out here making money decisions that I don’t know if they are right or not. Can you give me any pointers on how to know if I’m doing ok financially?”LINKS MENTIONED1:1 Money Coaching Information (LIMITED TIME OFFER)Freebie - Spending Plan Template downloadableSPONSORSThanks to Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off.Thanks to NetSuite for sponsoring the show. Download NetSuite’s popular KPI Checklist for free at www.netsuite.com/etm. 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 AirDoctor for sponsoring the show. Head to www.airdoctorpro.com and use promo code ETM and depending on the model, you’ll receive UP TO 39% off or UP TO $300 off.How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices

On a scale of 1-10, how curious are you about how others spend and save their money? If you’re like me, you’re probably pretty curious. Maya Lau, host of the podcast Other People’s Pockets, loves talking to people just like you about all these taboo money topics and more - how much you make, how you spend your money, your biggest money blunders, and how tricky money is in relationships. While you might have a fascination with getting a behind-the-scenes look at someone else's finances, there’s a lot you can learn and apply to your money journey. Join us for this fun episode about other people’s pockets, human money stories, and the lessons you can learn from listening to some taboo money conversations.LinksOther People's Pockets podcast SPONSORSThanks to Factor for sponsoring the show. Head to www.factormeals.com/etm50 and use code ETM50 to get 50% off.Thanks to NetSuite for sponsoring the show. Download NetSuite’s popular KPI Checklist for free at www.netsuite.com/etm. 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 AirDoctor for sponsoring the show. Head to www.airdoctorpro.com and use promo code ETM, and depending on the model, you’ll receive UP TO 39% off or UP TO $300 off.How To Connect with Shannah: Join the Everyone’s Talkin’ Money Newsletter, where you get insider tips, exclusive content, and takeaways from each episode https://tinyurl.com/etmnewsletter  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/ or TikTok https://www.tiktok.com/@shannahgame  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Be a Featured Guest on an episode https://everyonestalkinmoney.com/contact/ Learn more about your ad choices. Visit megaphone.fm/adchoices