Life is Life!

"Home is where the heart is", they say. For many home is where they were born and raised and no matter the situation that's where they stay. For many however the pandemic had people looking at their situations differently. One of those was former San Diego Financial Literacy Center and California resident Brad Pagano. A financial professional, veteran of the non-profit industry, Bra...

No one gets married with the intent of eventually getting a divorce yet it happens. Even though the number of divorces have declined still between 40 and 50 percent of marriages end in divorce. The question for those looking to end their marriages is what is it going to cost? Not just in legal fees but who is going to be responsible for what and who is going to have to pay who? Obviously there is...

Life is hard! Life in the twenty-first century can be and is stressful for so many reasons. The 24 hour news cycle with thousands of different sources to get you information that may or may not be true, to social media that spreads lies and hate or pictures of people in their perfect lives. One constant for stress for hundreds of years has been money. Adding to that stress for more than five decad...

As I was growing up I always had an idea of what marriage was like. I was a born romantic so to me it was all about love and passion. As I got older that didn't change but I did enjoy my single years immensely! I could spend my money how I wanted, on what I wanted. That thinking got me in a lot of credit card debt! My wife of 15 years  was just saying the other day, "I had so much money...

Netflix was on the cutting edge of streaming television in the early days but had seen the competition take much of the market share in recent years but that may all have changed in a flash as a new phenomena has taken over. I have to admit, I never heard of it until my wife mentioned my son's friends had watched an episode and parents were talking. Squid Game! On the surface, a very violent...

When my kids were young they loved a show called Handy Manny. It was a child's show where the main character was very handy and fix or build anything. The reason the kids loved it was, he could talk to his tools. I was always interested because I knew I was never going to be Handy Manny. We all know people who are super handy and know there way around tools. Now I am capable but sometimes you...

The COVID19 pandemic caused many aspects of every day life to change. Work life was not the exception. You have probably heard that our team records our episodes out of their kid's rooms.  Some parts of our lives are returning to "normal" but the new normal may look completely different. For some, our team included, a commute to and from the office is a thing of the past.  What impl...

There are a handful of television shows that have the ability to bring us all together to laugh and cry, celebrate love, and friendship, and just life in general. During the nine seasons that The Office aired, we were given some of the most hilarious characters and iconic moments, like the time Dunder Mifflin paper company’s fearless leader Michael Scott organized a choreographed routine down the...

In the first episode of season five we take on one of the most common question we get from parents. "How can I help my daughter and or son establish credit?" Is there a one size fits all answer? Are there benefits to one method over the other? The guys share some tips, stories and some of the dangers of not having credit or getting credit too soon.  Support the show

Let's face it, stress is a real thing and in today's world of a pandemic that never seems to end and social media and politics a constant, it's no wonder that depression and anxiety is rampant among us. However the most common reason for stress has been around for as long as time. Money... Have it or don't finances can make stress excruciating which leads to all kinds of health...

Putting on an event big or small is no easy task and can be pricey. Essential to the plans is the participation of attendees for so many reasons. The RSVP is the most important thing for the planner of the event because so many things depend on the amount of the "head count".  Size and location of venue, decor and of course food and beverages. Nothing is worse and more frustrating when y...

Two years ago, the San Diego Financial Literacy Center and DebtWave Credit Counseling, came together to produce and publish a podcast all about money. We called it Talk Wealth To Me, and today we’re celebrating our 100th episode!  While there are a multitude of podcasts about personal finance, our goal for this show was to really strip down financial concepts, to talk beyond how to create a budget...

Congratulations! Your summer has arrived! The kids are back in school or back to college, One way or the other summer as the kids know it has come to a close. This is an annual occurrence yet many of us get caught off guard and are scrambling to the malls, Target, WalMart or online to buy all of the stuff our kids "need" for the school year. Today the Talk Wealth To Me crew discuss the d...

Applying for loans has become a common financial decision for most of society over the the last 30 years or so.  There are so many things banks and other industries look at when assessing risk of a given borrower including income and a credit profile. Having no credit or bad credit makes borrowing a nightmare. Either the loan could be very expensive due to high interest or you may not be offered t...

The world of federal student loans is changing. Especially for all of those looking to take advantage of the Public Student Loan Forgiveness (PSLF) programs. The Pennsylvania Higher Education Assistance Agency (PHEAA) or Fedloan, one of the largest student loan servicers and the only servicer handling PSLF loans recently announced it will not be looking to renew its contract as a student loan serv...

The Talk Wealth to Me crew breaks down this tweet that was originally posted on Reddit.  This scenario comes up all the time in personal finance. Where do you stand on this??? Am I (29M) the asshole for inviting my girlfriend (28F) to an expensive vacation and expecting her to pay her share. I make a lot more than her. Hello, my, and then here's the body of it. Hello, my girlfriend, myself, m...

The daughter of immigrant parents growing up in Minnesota, Nora Ali grew up thirsty for knowledge and opportunity. Today the Talk Wealth To Me guys sit down with Nora about the launching of a new media venture as well as her incredible path leading up to it. Nora was most recently an anchor on Cheddar , a business and technology-focused news network which broadcasts live from the floor of the New...

The word invest can be a source of anxiety for some as they get further down the road of life because they know they should. But... how and what should I invest my hard earned money in? In today's world there are so many options but what is right for you? Today's guest Kyle Woodley the Senior Investing Editor for Kiplinger .com explains some of the options we have and what might be the b...

It’s hard to find a show that has had a greater cultural impact on American life than the 90s television sitcom "Friends." From “The Rachel” haircut, to the holiday armadillo, “Smelly Cat”, and even the “I’ll Be There for You” theme song, "Friends" is a show that continues to feel relevant and relatable – even though it’s been more than a decade since the finale aired in May 20...

It all started with a tweet... Music, movies, sports and other live and entertainment  events are big business and a lot of people are passionate about them; willing to shell out large amounts of money to experience. Some argue that it is financially irresponsible to spend hard earned money on such experiences. This is obviously subjective so we here at Talk Wealth to Me thought this is a great su...

Once upon a time we knew if we saw a billboard, heard a commercial on television or the radio, that we were being advertised to spend money on a new product or a new brand. But over the past few decades, advertisers noticed that pop culture influences us more than these traditional ads. So, they made a change.  With the use of “influencers,” product placement, and targeted social media ads, we now...

If you have listened to this podcast often you know that we bring up budgeting in some way in just about every episode. This is because creating a spending plan (budget) is crucial to the health of your finances, especially if you are trying to pay back debt that you accumulated earlier in your life. This doesn't mean that you have to do without completely though. In this episode Chase and Ph...

"Want to go to the concert next weekend?" "Hey let's go to dinner". " Happy Birthday, here's a trip to Hawaii." In life we can all find ourselves financially at different places than others, including friends and family. This can cause anxiety and feelings of inadequacy because we may not be able to afford the same things as our friends or family. The holida...

Wedding season is right around the corner and this season could see a record number of nuptials as we come out of the pandemic. Last year so many weddings were postponed as we couldn't get together to celebrate two lives coming together as we normally would.  Weddings for some people are the biggest days of some people's lives. It can be a huge cost for the couple and their immediate fam...

Summertime feels like childhood! School is almost out and the kids will be off for the summer months and sometimes to parents chagrin. But it also means fun, sun, and lemonade stands. It also means barbecues and outdoor activities and after a year in which most of us didn't leave the house it means reconnecting with friends and family and travel. Summer doesn't mean you have to bust your...