Seven Figures: Smart Money Strategies...

Having money and wealth can buy you material things BUT more importantly it buys you options and peace of mind. THAT is what this podcast is all about. Sandy Waters has always been passionate about helping women get to a spot where they feel comfortable, confident and secure about their financial future. “It doesn’t matter how much money you earn, it’s what you do with the money you have.” This show is designed to fit perfectly into your busy schedule. Each week we start with “No Dumb Questions.” A quick 5-minute explanation of the most commonly misunderstood money topics. Topics that many women are afraid to speak up and ask about.We then sit down with a financially confident woman who lets us in on her secrets of success. What does she do that we all should be doing?And finally, since most of us are parents who want to be good financial role models. Sandy ends the show with “A Seat at the Kids Table.” This is the part of the show were the kids get involved. We listen in on their responses to important money questions. Our expert leaves us with advice, how to best teach the lessons they are not learning in school.Reach out to Sandy Waters directly sandywaters989@gmail.comInstagramLinkedIn

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Parenting
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132. Simplified explanation of Medicare and Med...
Simplified explanation of Medicare and Medicaid with Lisa PowersNew studies show that people, specifically women listen to podcasts because they want to learn new things.It does feel good to at least have a sense of what’s going on with our money.So today, whether it’s in your near future or not, we’re going to learn about Medicare and Medicaid.The basic explanation and the biggest mistakes people make.Our "go to" elder law attorney Lisa Powers joins the conversationhttps://www.harrisbeach.com/bio/powers-lisa-m/Here are the websites Lisa referred to in the podcast:https://www.medicare.gov/https://www.lifespan-roch.org/https://www.kff.org/See omnystudio.com/policies/listener for privacy information.
20 min
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131. Reclaiming Your Financial Life After Divor...
Reclaiming Your Financial Life After Divorce or Loss of a Spouse with Dr. Grace Harlow KleinDr Grace has years of wisdom on her side. She is very passionate about educating and empowering women to take ownership of their financial lives. It can be challenging for women (and men) to pick up the pieces and reclaim their lives after divorce or loss of a spouse. Today, Dr Grace offers her expertise, advice and personal stories to help you navigate through this period of time.To learn more about Dr. Grace and her workshops: http://graceharlowklein.com/workshops/See omnystudio.com/policies/listener for privacy information.
25 min
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130. The Pros and Cons of Multilevel Marketing ...
The Pros and Cons of Multilevel Marketing with Joe Saul-SehyI’ve always been so curious about multilevel marketing businesses. It’s a conversation that has come up on the radio morning show I also host Spezzano and Sandy, and every time it does, without a doubt a flood of calls will come in saying what a great gig it is.  One listener called in saying he makes $20,000 a month because of all the people he has working under him. I know, I had the same reaction you are having right now “WOW! I’m in the wrong business.”But before we jump ship and start exploring multilevel marketing job openings let’s make sure we know exactly what the business is really like.From the Stacking Benjamins show Joe Saul-Sehy will give us his un biased take on these types of companies and talk us through the pros and cons of the biz.Then, if you are still intrigued go for it! (but remember, keep that day job for a while until you know for sure it’s the right move.)Cheers to being a financially confident woman!For more about Joe and the Stacking Benjamins Show: https://www.stackingbenjamins.com/See omnystudio.com/policies/listener for privacy information.
24 min
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129. Resume and Job interview hacks with Mike M...
Resume and Job interview hacks with Mike McNamaraIf you need advice about how to write that perfect resume or how to nail the job interview Mike McNamara is your guy to help you win that job.Among several other job titles and passions, Mike is the founder and CEO of TalentBlvd.For those of you who are new to the workforce or those of you who haven’t updated your resume in years this is a great conversation to listen to.What should you include in your resume?What is the best way to get your resume through the AI?And when it comes to the job interview, Mike teaches us what NOT to do when you go in for the handshake.What types of questions will they most likely ask and how you should answer.Good luck on getting that job!To view the documents Mike referred to in the interview:https://www.talentblvd.com/resourcesCheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
25 min
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128. 5 Principles for Financial Success- with E...
You stumbled on this podcast because you want to be more engaged with your finances.  You want to feel at ease knowing that you will be able to retire comfortably.Awesome, me too! That’s exactly why I started this podcast.So welcome to the year of financial wellness.The first Friday of each month our good friend CFP VP at Morgan Stanley, Erica Cummings joins the conversation.She’s laid out the plan for us. If we follow it step by step, and do what she gives us as our monthly “homework” at the end of the year we will reflect and realize we are in a good spot.As we round out the year, Erica is here to give us the 5 Principles for Financial SuccessThe goal of this episode and every episode is to help you make strides in your finances. Get you to the point where you have a good understanding of where you stand and what the plan is.  It will feel amazing when you can confidently say“I am a financially confident woman”https://advisor.morganstanley.com/erica.cummingsSee omnystudio.com/policies/listener for privacy information.
37 min
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127. Financially Protecting A Loved One With Sp...
Financially Protecting A Loved One With Special NeedsOctober is National Special Needs Law Month. So what do you need to know? How can you best financially protect your loved?Today Harris Beach elder law attorney Lisa Powers joins the conversation.She explains the three types of Special Needs/Supplemental Needs Trusts and why setting one up is a good idea.If you have more questions or need more clarification on what we talked about today feel to reach out to Lisa directly lpowers@HarrisBeach.comCheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
21 min
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126. Should Your Finances Stop You From Getting...
I have read so many studies, we’ve talked about it on “Spezzano and Sandy” (the morning radio show I also host) Why is the marriage rate on a decline?Everything that I’ve read, the listeners who called into the show all point to one thing. One of the major factors is finances.So, today we invite back on the podcast one of the most financially savvy people I know Jill Schlesinger.Jill is the CBS News Business Analyst, Host of the Jill on Money radio/podcast show and author of the book “The Dumb Things Smart People Do With Their Money: 13 ways to Right Your Financial Wrongs”Jill Schlesinger breaks down money and marriage.Is finances a good reason not to get married?Should you help your spouse pay off their debt?Is it best to combine your finances?Plus, she reacts to the listener who is planning on getting a divorce in an effort to get more financial aid for her kid. Does that work?To learn more about Jill: https://www.jillonmoney.com/Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
19 min
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125. The Minority Mindset with Jaspreet Singh
Following the Minority Mindset will get you to where you want to be financially.This is such a great message. We love it!It's a way of thinking, a way of managing your money that yes goes against what most people actually do.Founder of The Minority Mindset Jaspreet Singh joins the conversation today.Jaspreet is a serial entrepreneur, licensed attorney and the founder of Minority Mindset, a large educational platform for financial education and entrepreneurship that reaches over 900,000 subscribers and followers across the globe. He is also the co-founder of Seva4Everybody, a community service organization dedicated to help those in need in the Detroit area.To learn more, go to: https://theminoritymindset.com/See omnystudio.com/policies/listener for privacy information.
21 min
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124. Breaking Down the Difference Between Roth ...
You stumbled on this podcast because you want to be more engaged with your finances.  You want to feel at ease knowing that you will be able to retire comfortably.Awesome, me too! That’s exactly why I started this podcast.So, welcome to the year of financial wellness.The first Friday of each month our good friend CFP VP at Morgan Stanley, Erica Cummings joins the conversation.She’s laid out the plan for us. If we follow it step by step, and do what she gives us as our monthly “homework” at the end of the year we will reflect and realize we are in a good spot.Today we explain the nuts and bolts of the 2 ways to save for retirement.401k and IRA. What is the big difference between Roth and Traditional?The goal of this episode and every episode is to help you make strides in your finances. Get you to the point where you have a good understanding of where you stand and what the plan is.  It will feel amazing when you can confidently say “I am a financially confident woman”Here's Erica's email feel free to reach out to her directlySee omnystudio.com/policies/listener for privacy information.
38 min
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123. Mom and Dad, Let's Have The Talk- with Lis...
123. Mom and Dad, Let's Have The Talk- with Lisa PowersStudies show that it’s mostly the daughters or the wives who are the ones to step up and take care of mom and dad as they get older.So, if we are the ones acting as caregiver, WE are the FIRST ones who will pick up on the signs that mom and dad might need someone to step in and help with their finances too. Even more reason to have a good understanding of it all.Today Harris Beach elder law attorney Lisa Powers is here with advice on how to broach the subject and have these essential conversations with your parents.There are 5 important things you need to ask:Long Term Care preferences. Where do they see themselves living as they get olderFinances- Where are all the important documents, passwords, contacts of financial planner, lawyer, etcMedical PreferencesHealth Care ProxyPower of AttorneyWe hope this episode gives you some clarity and peace of mind.Lisa joins the conversation every month so if you have questions you want us to address in a future podcast feel free to email me or Lisa directlyYou can learn more about Lisa and here practice: https://www.harrisbeach.com/bio/powers-lisa-m/Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
29 min
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122. Getting Paid What You're Worth with Sheila...
Getting Paid What You're Worth with Sheila KennedyThis is something that a lot of people struggle with.  When we say "getting paid what you are worth," we're talking about more than just how to go into the boss’s office and asking for a raise. We're talking about YOU being able to recognize your true value and worth.  The value and worth of the physical task, service or product you provide to your employer and or client.  While also, believing there is a price tag on your time too. Sheila Kennedy, no stranger to the podcast, is a successful entrepreneur, publisher, author, speaker, and coach (just to name a few of her areas of strength) She has great insight on how to truly understand your worth.Today, you'll stop undervaluing yourself and finally have the confidence or at least guidance to get the money your deserve.Cheers to being a financially confident woman!Click here to connect with Sheila: http://www.thezebraink.com/See omnystudio.com/policies/listener for privacy information.
23 min
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121. Adulting 101 with Pete Hardesty
Adulting 101with Pete HardestyDepending on your age, you may have either been very eager to click on this episode or, if you are...let's say "more seasoned" you might have thought "well this is an episode I can skip."Don't skip this one!Our guest today has great insight for all ages.  Actually I am reading this book with my daughters who are 15 and 10. It has initiated some great conversations and life lessons. We chat about the direct connection between EQ and workplace success, how the culture in the workplace has shifted to a more collaborative environment. Pete also explains his firm belief in generously giving to others "we reap what we sow." And finally, the Smart Money Strategies he personally follows.If you have any questions about this or any other episode don't hesitate to reach out to me directly. Sandy@rochesterbuzz.comCheers to being a financially confident women!See omnystudio.com/policies/listener for privacy information.
26 min
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120. The 6 Pillars of Strength Will Give You Fi...
Welcome to the year of financial wellness.The first Friday of each month our good friend CFP VP at Morgan Stanley, Erica Cummings joins the conversation.She’s laid out the plan for us. If we follow it step by step, and do what she gives us as our monthly “homework” at the end of the year we will reflect and realize we are in a good spot.  We WILL feel financially confident.  And that is an incredible feeling.Today, The Six Pillars of Strength1- Discover your purpose. Purpose means being present and fully involved in all aspects of living. It also means taking steps toward what you want to accomplish and removing anything that does not serve your purpose.2- Demystify your finances. By asking good questions and avoiding the common mistakes, you can understand and take advantage of the most important drivers of long-term financial success.3- Protect your health. The extent to which you make protecting your health a top priority is unquestionably one of the most important financial – yes, financial – investments you can make during your lifetime.4- Put your oxygen mask on first. You cannot be the superwoman you’d like to be, without engaging in moments of self-renewal, taking time to recharge your battery.5- Seek contentment over perfection. It is easy to go from hero to zero in our role as family caregiver. Support and honesty from each other enable us to counteract the illusions of perfection on social media, so we can be content in what’s right for us.6- Design your own career path. There are no right or wrong answers in our decision to work or not to work, nor is it easy to navigate the professional world as a woman. We benefit from actively seeking insight from our sisters, strengthening our confidence and owning the decisions we make at the right time and for the right reasons.See omnystudio.com/policies/listener for privacy information.
36 min
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119. How To Make The Connections That Create Op...
I tell my kids Yes strive to be the best BUT in life, it’s really who you know and the connections you make that’s going to get you noticed.I’ve been in radio for over 20years. From day one, as a college intern, I made it my goal to be the best intern on the team. I was almost obsessive about it.Being good at my job did help get me to where I am today but I really started to get recognized for my hard work and saw greater success once I started to make connections and develop relationships with the right people.  This week Jaclyn Mellone aka the Go-To Gal teaches us how to make those connections that lead to opportunities.Jaclyn’s focus is to help experts grow their business by becoming the Go-To Authority in their space. She is a coach, strategist, Keynote speaker, and host of the Go-To Gal podcast.She is a mama of 2 and a great resource for anyone who craves more from their career.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
32 min
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118. The Financially Smart Way To Pass Down The...
Do you have a family cottage?For those of us who don't, it sounds so fancy and rich doesn't it?!Well, for those of you who do have a cottage in the family, you understand how much of a headache it can actually be. Especially when it comes to ownership and how to pass it down to the next generation without causing a family feud or animosity.There is a financially smart way to pass it down the family cottage to the next generation.  Today, our "go to" elder law attorney Lisa Powers from Harris Beach is here to talk us through it.Hope this helps keep peace in your family and more great memories at the cottage.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
21 min
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117. How To Go From Idea To Startup- with Trici...
What is that idea that is eating away at you? You just KNOW it could solve a problem for people and better yet, it could make you some money.How do you go from idea to startup? How to do you get your idea out there for everyone to notice?Today Tricia Kuntz "The Purple Painted Lady" and Mona Ockenden "Mona Moon Naturals" joins the conversation.About 10 years ago, Tricia discovered a product called Chalk paint by Annie Sloan. From the very first time using it, she just knew it was a product that other people would absolutely LOVE. She jumped in on it early and started selling it. Creating her fast growing business The Purple Painted Lady.Mona has a slightly different entrepreneurial journey. Mona Moon Naturals was born after her sister’s breast cancer diagnosis. In an effort to rid the house of chemical laden products, Mona created a natural, chemical-free recipe for body care essentials like deodorant, body whip and lip balm.  A Product with a PurposeI love these ladies! Not only because they are both financially confident women who are also amazing entrepreneurs, but also because they were so sweet to my little Lexie.My 10year old Alexa is starting a business of her own called Bath Bombs for Charity. I guess she has the "entrepreneurial spirit." She often has questions mama can't answer so I invited her to sit in on the podcast and learn from the best. :)Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
31 min
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116. Working Moms Can Have It All- with Michele...
Michele Liddle joins the conversation today. She went from working a typical 9-5 gig selling electric motors to owning a National Brand. Her story reinforces the message that we often hear, successful entrepreneurs identify a problem or a need in the community and figure out a way to solve it.And man, in just 3 short years she is kicking butt and definitely defining success!  Her company The Perfect Granola has grown tremendously and continues to expand.We talk about her secret to the perfect sales pitch, how she built her brand, and how she finds work life balance.Michele is a mama of 2 beautiful daughters (who you’ll be able to hear in the background of our interview. Adorable! :)You will love Michele, her enthusiasm, passion and genuine personality will leave you motivated to put your ideas into motion and strive to be a working mom who has it all.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
21 min
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115. Retirement Planning Mistakes to Avoid- wit...
Welcome to the year of financial wellness.The first Friday of each month our good friend CFP VP at Morgan Stanley, Erica Cummings joins the conversation.She’s laid out the plan for us. If we follow it step by step, at the end of the year we will reflect and realize we are in a good spot.  We WILL feel financially confident.  And that is an incredible feeling.Today we go over the common mistakes many people make in retirement and planning for retirement.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
21 min
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114. The Woman Who Started Modern Retail Franch...
If I were to ask you to think of an influential business leader in history what names pop into your head?Henry Ford? Walt Disney? Or maybe, more currently, Steve Jobs came to mind. Did any of you say Martha Matilda Harper?Who is she?She is the woman who we have to thank for modern retail franchising.She truly is an inspiring business leader in history.Today, author Jane Plitt joins the conversation. Jane has dedicated years to uncovering Martha's story.Click here to learn more about Jane and her booksSee omnystudio.com/policies/listener for privacy information.
22 min
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113. How To Raise Financially Fit Kids with Eri...
Welcome to the year of financial wellness.Every month our good friend CFP VP at Morgan Stanley, Erica Cummings joins the conversation.She’s laid out the plan for us. If we follow it step by step, and do what she gives us as our monthly “homework” at the end of the year we will reflect and realize we are in a good spot.  We WILL feel financially confident.  And that is an incredible feeling.Today we focus on how to talk to our kids about money. Valuable financial lessons by age group.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
30 min
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112. Should You Have Long Term Care Insurance w...
Is Long Term Care Insurance something you should start thinking about?Joining the conversation today is Colleen Fitzhenry, a CFP at Lustig & Fitzhenry Financial Services in cooperation with Financial Partners of Upstate New York.  Colleen is also certified in Long Term Care.We have a pretty good understanding of why we need car insurance, homeowners insurance even life insurance but what about Long Term Care insurance?  Nobody really talks about that one. Today we are going to break down all the facts. What you need to know to make the decision if it’s something you should look into.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
32 min
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111. The Top 4 Misguided Excuses for Not Having...
How is your will looking? Do you revisit it every 3 years or so to make sure it's all up to date?If you said “yes,” awesome! You are on top of it and way ahead of a lot of people. For the rest of us, this is a really good podcast to download.  Our favorite elder law attorney from Harris Beach Lisa Powers joins the conversation.  We'll break down theThe top misguided excusesWhy DIY services are not always the best and most comprehensive way to put together a WillWhat you should make sure is included in your WillClick here for more information about Wills, Trusts and Estates.See omnystudio.com/policies/listener for privacy information.
23 min
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110. If You Have The Passion, You'll Make The M...
110. “If you passionately believe in something, even if you don’t possess sales skills your enthusiasm is going to come through…and there’s credibility there.”So now think to yourself, what do you passionately love to do?Today Tricia Kuntz The Purple Painted Lady joins the conversation. Her story will motivate you to start thinking about how you can turn your hobby, your passion into a money making opportunity. Even if it’s just a little extra side money that would be nice. Right?!Enjoy the conversation, you will absolutely LOVE Tricia. Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
41 min
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109. Midyear Financial Checkup- with Erica Cumm...
Welcome to the year of financial wellness.The first Friday of each month our good friend CFP VP at Morgan Stanley, Erica Cummings joins the conversation.She’s laid out the plan for us. If we follow it step by step, and do what she gives us as our monthly “homework” at the end of the year we will reflect and realize we are in a good spot.  We WILL feel financially confident.  And that is an incredible feeling.Believe it or not we’re already at the half way point.  So today it’s your midyear financial checkup. What you should be doing this time of the year.Erica will also help you catch up on the months you may have missed and give you some ideas to make it through the expensive summer months without breaking the bank.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
27 min
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108. It's Your Time To Play Big with Sharon Lec...
Can you honestly say that you are #1 in your field? That every day you show up to Play Big and make an impact?Well for a lot of us, me included, sometimes we don't think playing big is even possible. You might feel the same way as a lot of women do, once you started a family pushing yourself to achieve the epitome of greatness in your career kind of fell down a few notches on your list of "to dos."Many of you might be dealing with a major obstacle in life that as stopped you in your tracks and you don't know how to pick yourself up and regain the energy and drive to push forward.All of that is completely normal and very common. That is why we invited Sharon Lechter to join the conversation today.Not only does Sharon have an impressive resume in the field of finances and mentorship she, like many of you is reigniting her fire after dealing with tragic heartbreak.  Her Play Big movement will hopefully inspire you too.Click here if you're interested in learning how to create your own personal success equation. It's a free resource that Sharon offers. See omnystudio.com/policies/listener for privacy information.
20 min
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107. Get Out Of Your Financial and Career Rut w...
On a scale of 1-10 How much do you LOVE your job? How passionate are you about what you do for a living?Our guest today, Meredith Atwood had what you might think of as a dream gig. She was making over six figures as a lawyer.But after years of not feeling completely fulfilled in her job she realized it wasn't HER dream gig. Writing was her passion and even though many told her she could never achieve financial success being a writer she is proving them all wrong.Meredith is an author. Her most recent book Triathlon for the Every Woman is getting rave reviews. Her next book set to hit shelves in December is calledThe Year of No Nonsense.She is also a speaker and podcaster The Same 24 HoursHer dream gig now is to inspire every woman to pursue a life of health, happiness and success. We hope you enjoy this week's conversation with Meredith Atwood.Cheers to being a financially confident women! See omnystudio.com/policies/listener for privacy information.
25 min
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106. How To Start And Manage Building Your Pers...
What are you known for?What do people think of you, when you're not in the room?  What impression do you leave behind?If you can easily and confidently answer those questions, awesome! You have a well-defined personal brand. Congratulations!For the rest of us, who need to polish up on our brand Michelle Roberts joins the conversation this week with "5 easy steps to creating a personal brand."Michelle is the founder of Nouvs- Be Known, a company dedicated to helping entrepreneurs and companies figure out what their brand is and how to successfully leverage it.Some of you might be thinking that coming up with a personal brand is only for the entrepreneur or business.  But, that is not true. We all need to take time to figure out what we are known for.  A personal brand is the best representation of yourself, what makes you you.In this episode we talk through the basic 5 steps to creating and promoting your brandAnd once you do it, feel free to share it with us.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
30 min
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105, Caring For Your Parents Financially As The...
A great mother's days gift is to reassure the mom in your life that she will be financially ok as she gets older. That when the time comes to consider a senior living community, assisted living or nursing home everything will be taken care of without worry.Taking on the responsibility as a caregiver to my parents is honestly something that terrifies me. I know I am not alone.  We all want to care for our parents as well as they cared for us. That is why this week we are dedicating time to weed through the horror stories we've all heard.  Why are some seniors "kicked out" of their care facility? Why is it a struggle for seniors to get Medicare/Medicaid to help pay for the cost? Why are seniors who have worked so hard their entire lives left with nothing and unable to pay for the care they need?Eder Law Attorney at Harris Beach Lisa Powers is here to walk us through the important things that we need to know.Also joining the conversation are listeners Lori Viola and Lloyd Ruffle who have both been through it.  They share their stories and personal experience. Teaching us the valuable lessons they learned through the process. We hope this episode gives you some clarity and peace of mind.Our plan is to have Lisa come back in once a month to answers all your questions.So, if you do need some guidance feel free to email me  Click here to reach out to Lisa directlySee omnystudio.com/policies/listener for privacy information.
45 min
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104. How Much Money Do You REALLY Need In Retir...
Welcome to the year of financial wellness.The first Friday of each month our good friend CFP VP at Morgan Stanley, Erica Cummings joins the conversation.She’s laid out the plan for us. If we follow it step by step, and do what she gives us as our monthly homework at the end of the year we will reflect and realize we are in a good spot.  We WILL feel financially confident.  And that is an incredible feeling.Today we’re going to help you calculate how much money you REALLY need in retirement.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
36 min
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103. You Too Can Be "The Next Millionaire Next...
Our guest today is going to help you get millionaire status. Well, at least have a better understanding of how self-made millionaires got to where they are financially.Their behaviors, the “rules” they follow, what their life is really like.Dr Sarah Stanley Fallaw is an industrial psychologist, researcher, and president of DataPoints. She is continuing the research her dad Thomas J Stanly started back in 1996 when he published the bestselling book “The Millionaire Next Door”Sarah has now co-authored the updated version “The Next Millionaire Next Door...Enduring Strategies for Building Wealth”Get ready to soak in over 40 years of research of what it takes to achieve wealth.A big thank you to Sarah for graciously giving her time to be part of our $even Figures Community.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
24 min
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102. The Steps He Took To Pay Down $200,000 of ...
When you have the weight of debt hanging over your head it's hard to think about anything else. It effects your relationship with your partner, with your kids even with relationships at work.Today's guest is on a mission to help people, who are struggling with debt find their light at the end of what seems to be the never ending tunnel.Rob Giumarra, a single dad of 3 boys was in $200,000 of debt just 4 years ago.  Today, he proudly says he is almost completely debt free.He does admit, it did take a lot to put aside his ego and file for bankruptcy. But since then, he has readjusted his mindset about money and his budget.I truly hope this episode inspires you to keep yourself on track and focused on achieving that amazing feeling of being financially confident!If you need any help along the way feel free to always reach out.  Sandy@rochesterbuzz.comSee omnystudio.com/policies/listener for privacy information.
26 min
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101. How to Raise Successful & Confident Daughters
The business Cyndi Weis created Breathe, was intended to be a hobby after her daughters moved away.  17 years later, it has now grown into a tremendously successful franchise with 7 locations throughout Rochester and Syracuse.Cyndi is one of those people who makes you feel like you've been friends forever. Her warm, calming, inviting personality is probably the reason why so many of her clients adore her. When I met her for the first time I remember thinking “I need a little more Cyndi in my life.” She has achieved great success in her lifetime.  Both in her career and with her family, raising 2 daughters who now help her grow the business.So today, we are all getting a little dose of Cyndi in our life.Cyndi, and her daughters Carly and Abby join the conversation this week.Cheers to being financially confident women!See omnystudio.com/policies/listener for privacy information.
31 min
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100. How To Catch Up On Saving For Retirement w...
You stumbled on this podcast because you want to be more engaged with your finances.  You want to feel at ease knowing that you will be able to retire comfortably.If you’re a little behind on saving for the future, that’s ok you are definitely not alone. And it’s not too late to start.  Each month CFP VP at Morgan Stanley Eric Cummings joins the conversation and gives us some clarity on various financial topics. The focus this month, is all about saving.  So, if you’re in your late 30s, 40s or even 50s and haven’t started saving the money you wish you had, Erica will tell you exactly what you need to do to catch up.The goal this year is to help you make strides in your finances. Get you to the point where you have a good understanding of where you stand and what the plan is.  It will feel amazing when you can confidently say “I am a financially confident woman”See omnystudio.com/policies/listener for privacy information.
39 min
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99. Overcoming Your Money Guilt And Earning The...
How uncomfortable do you feel when someone starts casually talking about money with you?A lot of women would rather talk about anything else but money. They would rather talk about their weight, their relationship, sex, even politics before they talk about their personal finance.Let’s push ourselves out of our comfort zone and start the conversation because it’s good to talk about money. Especially with other women, fellow moms. We can learn a lot from each other.Our guest today, is a big believer in this. Financial editor for NBC's Today Show, Founder and CEO of HerMoney media, author of several books including the one that just hit the shelves Women with Money: The Judgment-Free Guide to Creating the Joyful, Less Stressed, Purposeful (and Yes Rich) Life You DeserveJean Chatsky joins the conversation.We of course chat a lot about her book, and why it’s one of the most personal books she has written. Jean expresses the importance of understanding your money story, she gives us advice about dealing with the money guilt many of us can relate to and how to ask for the pay we deserve.This is such a great conversation, we hope you enjoy it as much as we did.Cheers to being financially confident women!See omnystudio.com/policies/listener for privacy information.
20 min
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98. It’s Not About Your Academic IQ, It’s About...
Retired Bankruptcy Court Judge and founder of Credit Abuse Resistance Education (CARE)  John Ninfo joins the conversation this week.As a bankruptcy judge who sat on the bench for two decades you can imagine the stories he has to tell.  One of the biggest takeaways from his long career is it’s not how much money you have, it’s how you manage it.  He saw countless people who had plenty of money but allowed debt to get the best of them and ultimately ruin their lives.The credit industry is set up to encourage you to fail. That’s why it is so important to be aware of what’s going on with your finances. “It’s not about your academic IQ, it’s about your Financial IQ and the two are not the same”After retirement, Judge Ninfo created CARE a program designed to help encourage financial education specifically for the younger generation.As a parent, like many of you, I am always looking for opportunities to teach my kids valuable money lessons.  Sitting down listening to this podcast episode together might be one of those opportunities.See omnystudio.com/policies/listener for privacy information.
25 min
136
97. The Big Money Mistakes Most People Make wit...
Chances are you have made at least one money decision that you regret and that’s ok, because we all have been there. Even the super smart people make some pretty dumb financial mistakes.With each mistake we make, we acknowledge it, learn from it and move on vowing never to do it againToday, CBS News Business Analyst, Host of the Jill on Money radio show and podcast and author of the new book “The Dumb Things Smart People Do With Their Money: 13 ways to Right Your Financial Wrongs” Jill Schlesinger joins the conversation.Many lovingly refer to her as Aunt Jill. She is our fun aunt who tells it like it is!Jill exposes some of the big money mistakes a lot of people make when it comes to life insurance, deciding between Whole and Term insurance. Paying for college, the gut wrenching mistake most parents and grandparents are making. And when it comes to hiring a financial professional the one question you need to ask to make sure they are qualified to deserve your business.Get ready to learn a ton in this episode with one of my favorite financially confident women Jill Schlesinger.To learn more about Jill and her new book: https://www.jillonmoney.com See omnystudio.com/policies/listener for privacy information.
24 min
137
Helping You Manage Your Stress And Live A Balan...
A survey by Northwestern Mutual found that money was the biggest cause of stress for nearly half of Americans. No surprise that a good amount of Americans admit that their debt has had a negative impact on their lives. It’s the major contributing factor to sleepless nights, depression, anxiety and some studies even make the connection to an increased number of migraines. Lack of money causes stress and it’s been proven that a great amount of stress holds you back from making money.  So, let’s break you from this cycle. Balanced Life Health Coaching Lori Nolan joins the conversation this week. Helping us manage our stress. She teaches us how to calm our minds when it’s racing before bed, how to be mindful of the “circle of life,” and the importance of having “space” in our lives.  Cheers to being a financially confident woman Learn more about: Balanced Life Health Coaching- https://www.balancedlife.life/ The Northwest Survey-https://news.northwesternmutual.com/planning-and-progress-2018 See omnystudio.com/policies/listener for privacy information.
23 min
138
Helping You Manage Your Stress And Live A Balan...
A survey by Northwestern Mutual found that money was the biggest cause of stress for nearly half of Americans. No surprise that a good amount of Americans admit that their debt has had a negative impact on their lives. It’s the major contributing factor to sleepless nights, depression, anxiety and some studies even make the connection to an increased number of migraines. Lack of money causes stress and it’s been proven that a great amount of stress holds you back from making money.  So, let’s break you from this cycle. Balanced Life Health Coaching Lori Nolan joins the conversation this week. Helping us manage our stress. She teaches us how to calm our minds when it’s racing before bed, how to be mindful of the “circle of life,” and the importance of having “space” in our lives. Cheers to being a financially confident woman! Learn more about: Balanced Life Health Coaching- https://www.balancedlife.life/ Tthe Northwest Survey- https://news.northwesternmutual.com/planning-and-progress-2018 See omnystudio.com/policies/listener for privacy information.
23 min
139
96. Helping You Manage Your Stress And Live A B...
A,  survey by Northwestern Mutual found that money was the biggest cause of stress for nearly half of Americans.No surprise that a good amount of Americans admit that their debt has had a negative impact on their lives. It’s the major contributing factor to sleepless nights, depression, anxiety and some studies even make the connection to an increased number of migraines.Lack of money causes stress and it’s been proven that a great amount of stress holds you back from making money.  So, let’s break you from this cycle.Balanced Life Health Coaching Lori Nolan joins the conversation this week.Helping us manage our stress.She teaches us how to calm our minds when it’s racing before bed, how to be mindful of the “circle of life,” and the importance of having “space” in our lives.Cheers to being a financially confident woman!Learn more aboutBalanced Life Health Coaching: https://www.balancedlife.life/The Northwest Survey: https://news.northwesternmutual.com/planning-and-progress-2018See omnystudio.com/policies/listener for privacy information.
23 min
140
95. Investing Basics That Will Help You Build W...
Investing in the stock market, for a lot of people sounds pretty intimidating.Well, to be perfectly honest with you, it really is fairly simple.Each month CFP VP at Morgan Stanley Eric Cummings joins the conversation and gives us some clarity on various financial topics. The focus this month, is investing.  She’ll tell us exactly what we need to do to be a successful investor.The goal this year is to help you make strides in your finances. Get you to the point where you have a good understanding of where you stand and what the plan is.  It will feel amazing when you can confidently say “I am a financially confident woman”See omnystudio.com/policies/listener for privacy information.
39 min
141
94. The Real Price Of Divorce
It’s not the most exciting and happy conversation but it IS an important one to have.Marriages sometimes fail no matter how hard you work at it.  When you are faced with the reality of divorce you need to remind yourself that you will get through this. There is a silver lining to this dark cloud.Today our guest author, publisher, confidence coach Sheila Kennedy joins the conversation.  She openly talks about her experience.How can you heal emotionally and financially after a divorce?I hope this conversation gives you some guidance.Cheers to being a financially confident woman!See omnystudio.com/policies/listener for privacy information.
32 min
142
93. A Great Way You Can Make A Lot Of Extra Cas...
I'm not ashamed to say it and you shouldn't be either, I like money and I want to have more of it.There are so many ways to make a little extra cash on the side. For a lot of us, especially working moms, or even more so, working single moms making money on the side cannot be time consuming. You already have way to much going on in life, to add one more thing might feel a bit daunting.Soooo what could you do?Our guest today believes selling items on eBay is a great option.  He makes it a family endeavor so it doesn't feel like "work" but more like of a fun family activity to do together.  He and his family enjoy the hunt of finding that perfect item but also are definitely enjoying the financial benefits of it. Earning on average a couple thousand dollars each month.Are you intrigued? Here are the basics of selling on eBaySee omnystudio.com/policies/listener for privacy information.
27 min
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92. Should You Jump On The FIRE Bandwagon? (Fin...
Want Financial Freedom and be able to Retire Early?  Sounds Awesome right?!There is a "movement" you may have heard of called "FIRE" (financial independence retire early)What is it?  Who started it? Is it a philosophy we should all buy into?This week my podcaster friend, Joe Saul-Sehy from the Stacking Benjamins show is on with us to explain what FIRE is really all about.  He's a super smart finance guy!After you listen to the episode let me know what you think.  How do you feel about FIRE?  Cheers to being Financially Confident Women!See omnystudio.com/policies/listener for privacy information.
33 min
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91. Helping You Put Together A Financial Plan
It's the first Friday of the month, time for another financial goal that will help us achieve Financial WellnessLast month, our task was to find 20min a week to dedicate to bettering our financial future.  If you haven't yet set a day out of the week, take a moment to do it now.  A day you can and will commit 20min to your finances. Put it on your calendar, set yourself a reminder.This month CFP VP at Morgan Stanley, Erica Cummings gives us weekly "to dos"Week 1- Get your documents together. Any and all documents.  Put them in one binder, one area of the house.  This will help you understand what you have and notice what documents you're missing.After doing this you'll already feel better about your finances.Week 2- BudgetBe real with yourself.  Find out exactly what you are bringing in and what you are spending each month.  Break it down into categories.  This will allow you to get a better picture of where you're unnecessarily overspending.  A budget will also allow you to see where you can pull money from just in case an emergency comes up.Week 3- DebtThis might hurt to add up all your debt, BUT rip off the band aid and just do it.  Have a real honest understanding of who you owe and how much.Week 4- Emergency FundNow that you have all the numbers together, you have a good grasp of your financial picture. Now see where you can pull money to start building up 3-6months of monthly expenses. Don't worry it won't happen in one month, but at least you are consciously making an effort.  Every dollar towards your emergency fund helps!You got this! Stay focused this monthCheers to being a Financially Confident WomanSee omnystudio.com/policies/listener for privacy information.
28 min
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90. "Tough Love" That Will Propel Your Success
We show our kids "tough love" well, now it's our turn to recieve it.Our guest this week Sitima Fowler the Co CEO of Capstone IT is going to tell us EXACTLY what we need to hear to propel ourselves to greatness.Sitima has a great money story to share.In the 6th grade, Sitima and her family immigrated from India to the United States. Establishing a life in America was a struggle for the Rana family who had limited resources and little to no money. This lifestyle instilled a fire in Sitima that was and still is her driving force to succeed. Sitima developed a relentless desire to lead with an ongoing pursuit of personal and professional growth.Hopefully her story and "tough love" advice will motivate and inspire you.Cheers to being Financially Confident Women!  See omnystudio.com/policies/listener for privacy information.
31 min
146
89. The 4 Things Wealthy People Never Think Or Say
Are YOU getting in your own way of achieving wealth and success? Today our guest is David Mammano the founder of the Avanti Entrepreneur Group. I've been watching and following David's "Mammano Minutes" and Avanti podcast for some time now and he is fantastic at motivating his followers and offering great advice and wisdom.Today we'll talk about how important it is to "Change the record in your head" and the 4 things that you could be saying that is holding you back from wealth and success.Follow David Mammano http://davidmammano.com/See omnystudio.com/policies/listener for privacy information.
38 min
147
89. The 4 Things Wealthy People Never Think or Say
Are YOU getting in your own way of achieving wealth and success? Today our guest is David Mammano the founder of the Avanti Entrepreneur Group. I've been watching and following David's "Mammano Minutes" and Avanti podcast for some time now and he is fantastic at motivating his followers and offering great advice and wisdom.Today we'll talk about how important it is to "Change the record in your head" and the 4 things that you could be saying that is holding you back from wealth and success.See omnystudio.com/policies/listener for privacy information.
38 min
148
88. Your Guide To Making 2019 The Year Of Finan...
How is your new year going so far?Are you still actively pursuing your New Year's Resolutions? I hope so!For most of us, every year we strive for wellness. We try to incorporate healthy foods in our diet and track our steps but what about financial wellness.  This year CFP, Vice President at Morgan Stanley Erica Cummings will join the conversation each month to provide the knowledge and tools necessary to understand what we do (or don’t do) with our finances and why we do it.  The goal is to help you create a healthy practice of financial wellness by replacing limiting beliefs and bad habits with positive ones and begin or enhance your journey towards total wellness.Cheers to financial wellness and being financially confident women!To learn more about Erica and her Women, Wealth and Empowerment Series: https://fa.morganstanley.com/krokenberger_cummings/index.htm#women,wealthandempowerment  See omnystudio.com/policies/listener for privacy information.
22 min
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87. 4 High Performance Practices That Will Chan...
Your mental health, your physical health and your financial health are all connected.Every January, we start the year saying we WANT to be better, we WANT to be healthier, we WANT to have more money etc. but something happens and we end up falling short of the lofty goals we set for ourselves.Well, maybe it's just me who has never followed through on a single New Year's Resolution.Until now!I discovered our guest Anna during one of those many moments that I was "going to start working out," it was actually my mom who told me to check out the POPSUGAR Fitness videos on YouTube.  I loved Anna's spirit and energy and began to really enjoy working out. The routines were doable for me, easy to follow and I was seeing results. BUT sadly, I confess, I fell off the wagon again.So, to motivate me and anyone else who needs it Anna the founder of Anna Renderer Fitness, host of POPSUGAR Fitness, Certified High Performance Coach joins the conversation today with her 4 High Performance Practices that will change your life.See omnystudio.com/policies/listener for privacy information.
43 min
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86. 2018 Year in Review- The Most Valuable Less...
What a year it's been! To look at the year in review, Sandy is joined by Tom Dambra, CEO of Family First Credit Union. 2018 was filled with so much helpful "seven-figure" advice, it made it difficult to choose what to include in the review! Listen for some of the best tips from Janine Shepard, Lynn Mucenski-Keck, Mike McNamara, Norma & Andrea Holland, Susan Beacham, Jodi Rosenshein Atkin, and Eric Brotman ranging from the best college fit to your living will.Thank you for listening to the Seven Figures Podcast! We appreciate you!See omnystudio.com/policies/listener for privacy information.
39 min
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85. A Great Female Financial Role Model- Kathry...
Kathryn Firkins, co-owner of Tile Wholesalers is without a doubt a great financial role model for others. She gets into what it's like to run a successful business with her husband, including the not so glamorous parts! We analyze the importance of instilling hard work in your kids at a young age, what she would've done differently, and the younger generation's different type of work ethic.Visit http://www.tilewholesalers.com/ to learn more about Kathryn's family-owned business!See omnystudio.com/policies/listener for privacy information.
36 min
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84. How Will the New Tax Law Impact You
Lynn Mucenski-Keck, CPA at The Bonadio Group and Associate Professor and Chair of Accounting and Finance at St. John Fisher College, a definite expert when it comes to taxes! She gives us her take on the new tax laws, clarifies a tax myth, confirms Sandy's mom's advice of "Earn your own paycheck," and more! The perfect person to hear tax advice from, you won't want to miss this one! Take a listen and learn more about Lynn at https://www.bonadio.com/our-people/lynn-mucenski-keck and https://www.sjfc.edu/profiles/profile-last-name-2591-en.html.See omnystudio.com/policies/listener for privacy information.
48 min
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83. How to Teach Your Kids Valuable Money Lessons
This week on the Seven Figures Podcast -- Susan Beacham, founder and CEO of the multi-platform financial education company Money Savvy Generation tells us it's never too early to start teaching your kids about the concept of money. In fact, these lessons should start right away! Kids are intuitive, just because they're young, doesn't mean they won't understand. Age 6-12 is a window of opportunity to shape good money behavior. It's starts with implementing chores, the "gateway to developing a strong work ethic," then giving them a conditional allowance, then setting the expectation that they will get a job and work for their own money. We dig deep into these concepts on this weeks podcast, take a listen!  Want to learn more about Susan? Visit http://susanbeacham.com/See omnystudio.com/policies/listener for privacy information.
44 min
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82. How to Teach Your Kids Valuable Money Lesso...
This week Susan Beacham, founder and CEO of the multi-platform financial education company Money Savvy Generation tells us it's never too early to start teaching your kids about the concept of money. In fact, these lessons should start right away! Kids are intuitive, just because they're young, doesn't mean they won't understand. Age 6-12 is a window of opportunity to shape good money behavior. It starts with implementing chores, the "gateway to developing a strong work ethic," then, as they get older giving them a conditional allowance, then setting the expectation that they will get a job and work for their own money. We dig deep into these concepts on the podcast this week, take a listen! Want to learn more about Susan?Visit http://susanbeacham.com  or http://www.moneysavvy.com/See omnystudio.com/policies/listener for privacy information.
44 min
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81. Teaching Your Kids Valuable Money Lessons B...
This week on the Seven Figures Podcast -- Susan Beacham, founder and CEO of the multi-platform financial education company Money Savvy Generation tells us it's never too early to start teaching your kids about the concept of money. In fact, these lessons should start right away! Kids are intuitive, just because they're young, doesn't mean they won't understand. Age 6-12 is a window of opportunity to shape good money behavior. It's starts with implementing chores, the "gateway to developing a strong work ethic," then, as they get older, giving them a conditional allowance, then setting the expectation that they will get a job and work for their own money. We dig deep into these concepts on the podcast this week, take a listen! Want to learn more about Susan? Visit http://susanbeacham.com/See omnystudio.com/policies/listener for privacy information.
44 min
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80. Focus on Your Skills and the Money Will Follow
Change doesn’t come easy to most. We get so use to being in our bubble, that we become stagnate. We’re about to get kicked out of our comfort zone and grow with the help of Mike McNamara, President of TalentBlvd.From when he was a little boy, Mike has followed his grandma’s advice of “emulate who you want to be, not who you are” and hasn’t looked back since. He focused on leveraging his skills, and trusted that the money would follow... and it did!Mike has tips from how to own your brand, building your resume, social media, your elevator pitch and more. To learn more about Mike McNamara and TalentBlvd, visit https://mikemcnamara.com and https://www.talentblvd.com.See omnystudio.com/policies/listener for privacy information.
29 min
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79. The Pros and Cons of Owning a Franchise Bus...
If you struggle to get yourself up and motivated to go to work every day maybe it's time for you to step away from the corporate world and be an owner of a franchise.We cash in with our experts President of Fran Net John Adams and Consultant at Fran Net Erika Davis.We talk about the money and all the pros and cons of the business.After listening to this episode if you want to continue the conversation and learn more feel free to reach out to John or Erikajadams@frannet.comedavis@frannet.comhttps://franchiseupstateny.com/See omnystudio.com/policies/listener for privacy information.
29 min
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78. Dos and Don'ts of the College Application P...
There is SO much to know about the College application process, and if you have a student in High School, especially a senior this is your world right now.Today, we cash in with expert Jodi Rosenshein Atkin who will help ease the tension in your house and guide you through the dos and don'ts of applying to colleges.From how to best prepare yourself in High School, to picking out the right college, to the cost of applying and how to writing an attention grabbing college application essay.Find out more about Jodi:http://www.bestfitcollegechoice.com/  See omnystudio.com/policies/listener for privacy information.
28 min
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77. When You're Blindsided by a Major Challenge...
This week we sit down with International Keynote Speaker, Best-Selling Author, Resilience Expert Janine Shepherd.She has a remarkable story to tell that has inspired so many people._____ They say life can change at an instant and sometimes we take that phrase for granted.When you get in your funk, have those days when you think your world is crashing down on you, remind yourself about the challenges Janine battled through and it will put your life into perspective. It will give you the courage and tenacity to keep pushing forward.--------Watch Janine's TEDx Talk:https://www.ted.com/talks/janine_shepherd_a_broken_body_isn_t_a_broken_person?utm_campaign=tedspread&utm_medium=referral&utm_source=tedcomshare  See omnystudio.com/policies/listener for privacy information.
34 min
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76. Realtor Tips to Help You Get The Price You ...
What are the tricks of the trade?This week we cash in with Howard Hanna agents Susan Hughes and James SawersThey give us tips to get your house ready to go up on the market and if you are looking for a house tips to getting the price you want.You can also watch $even Figure$!This week "Renovate to Sell it"The challenge: To stretch a $10,000 budget to get a house in Brighton ready to put up on the markethttps://rochesterbuzz.radio.com/media/sandys-seal-approval/even-figureSee omnystudio.com/policies/listener for privacy information.
30 min
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75. Secret to Success With Lauren Dixon
This week we cash in with Lauren Dixon the CEO and Co-owner of Dixon Schwabl Advertising Agency.Lauren opens up about Her Money Story. The ambitious way she attempted to earn money at the age of 5 to breaking barriers as a news broadcaster to taking the leap of faith and starting her own company.Lauren's story and great advice will hopefully inspire you to believe that you too can achieve great financial and career success. See omnystudio.com/policies/listener for privacy information.
27 min
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74. This is Not Your Mom's Workplace Anymore
This week we cash in with Jackie Klos, the first female partner at a big 4 accounting firm in Rochester NYWe talk about the path our mother's paved for us in the workplace, the new culture shift for women and what we need to do to keep the momentum going.We also talk about "roles" in a relationship and when the women makes more.See omnystudio.com/policies/listener for privacy information.
30 min
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73. Give Yourself Financial Peace of Mind- Here...
It's safe to say most if not all of us want to feel like we'll be able to retire someday. Not just retire, but retire comfortably with not a lot of money stress.Doing these little things can get you that peace of mind knowing you and your family will be financially taken care of.This week we cash in with expert Eric Brotman CFP®, CEO of Brotman Financial Group, IncEric offers securities through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Kestra IS and Kestra AS are not affiliated with Brotman Financial Group or any entity referenced herein. Neither Kestra IS nor Kestra AS provide tax or legal advice. The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra IS or Kestra AS. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor with regard to your individual situation. Comments concerning the past performance are not intended to be forward looking and should not be viewed as an indication of future results.See omnystudio.com/policies/listener for privacy information.
24 min
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72. The Keys to the Corner Office- Women in Lea...
This week we cash in with Susan Hughes the President of the Women's Council of Realtors Women in leadership roles- Are we finally catching up?What are the benefits to having female leaders within a company?Why a lot women hold themselves back from a promotionWhy being more direct is so importantand more.To learn about the Women's Council of Realtors:https://www.wcr.org/chapter-sites/new-york/rochester/ To reach out to Susan:https://susanhughes.howardhanna.com/ See omnystudio.com/policies/listener for privacy information.
24 min
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71. The Path to Money and Success with Norma Ho...
13WHAM TV Norma Holland and owner of Holland Communications Andrea Holland join the show this week with tons of laughs and great advice!They opened up and spoke candidly about their money story.The important money lessons they learned from their parents, how their uncle helped them negotiate for more money and how they learned the art of being direct and confident.For more aboutNorman Holland:https://13wham.com/station/people/norma-hollandAndrea Holland:http://www.andreaholland.net/See omnystudio.com/policies/listener for privacy information.
41 min
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70. You need to start planning today for your r...
See omnystudio.com/policies/listener for privacy information.
23 min
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69. Money Basics You Should Know
Sometimes the conversation about money feels intimidating because we don't feel like we can confidently speak the "money language"This week we cash in with expert Pam Ricci Controller, Director at Family First Credit UnionShe explains the financial terminology we often hear and tells us what we need to know before signing up for a credit card or loan.See omnystudio.com/policies/listener for privacy information.
28 min
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68. How to Teach Your Kids About Money the RIGH...
Did you know: Your kid's money habits are set by age 7!So, that means we NEED to be proactive and mold their habitsbefore it's too late. We need to start teaching the language of money right from the start.This week Susan Beacham joins the podcast with tips to help you teach your kids about money the right way.Susan has a long history in the financial industry. She is an expert in kids and young adult financial literacy. She is the CEO of the Money Savvy Generation.http://susanbeacham.com/http://www.moneysavvy.com/See omnystudio.com/policies/listener for privacy information.
30 min
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67. Best Way to Back to School Shop ON a Budget
Ask your kids if they’re watching the YouTube videos called “The No Budget Challenge.”It's a real trend! Getting millions of views! THAT is NOT real life. That is NOT how we roll.This week we bring it back to reality and talk about Back to School Shopping...ON A BudgetWe cash in with our expert Kara Selke from the Rochester Malls. She gives you great tips to save money this year.Plus, to help afford the back to school shopping demands she gave us $100 mall gift card to give away!!!Enter below for your chance to win!!See contest page for more details. See omnystudio.com/policies/listener for privacy information.
16 min
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66. Getting Your Kid College Ready- Avoid the C...
If you have a Junior or Senior in High School this week’s $even Figure$ podcast is for you.When you pack up the family to go visit schools Do Not Make the College Tour MISTAKES Most Kids Make- Visiting a college in the summer- Showing up on campus unannounced- Not leaving a "footprint" and more...This week we cash in with expert Independent Admissions Counselor Jodi Rosenshein AtkinLearn more about Jodi and her services http://www.bestfitcollegechoice.com/See omnystudio.com/policies/listener for privacy information.
22 min
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65. How You Can Attract Money and Wealth (it's ...
For some people is seems like success and wealth comes easy to them.Well, you can have that life too!We CASH IN with Sheila Kennedy, publisher and author writing about the practices of successful and abundant entrepreneurship.During her years of research and interviewing countless entrepreneurs, here are the things you can start doing today that will help you attract money and success.See omnystudio.com/policies/listener for privacy information.
19 min
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64. How You Can Stay Competitive at Work While ...
When everyone in your life is demanding your attention what’s the secret to achieving success both at home and at work?What is the best way to tell your boss and coworkers that you need to leave early again, or miss out on a meeting because of the kids?Our goal this week is to get rid of that mommy guilt and help you feel more in control of your life so you can control your success at work which will lead to being in control of your financial future.We cash in with our experts Certified Financial Planner, Vice President at Morgan Stanley, and the creator of the Women Wealth and Empowerment Series Erica Cummings Partner at Ernst and Young Jackie KlosSee omnystudio.com/policies/listener for privacy information.
27 min
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63. Tips to Raising Money Smart Kids with guest...
What is the best way to teach your kids valuable money lessons? Should you open up and expose your own money situation to them and what about paying them for chores around the house or good grades in school.  We talk about all of that and more this week with Finanical Expert and Host of SO Money podcast Farnoosh Torabi https://wwwfarnoosh.tvSee omnystudio.com/policies/listener for privacy information.
24 min
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62. Follow These Easy Saving Tips And You'll Be...
If you want to build wealth you have to start with saving money. If you struggle with that right now, that's ok we'll help you.Follow these easy saving tips from our friends at Family First Credit Union and you'll be on your way to financial freedom.See omnystudio.com/policies/listener for privacy information.
15 min
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61. A Candid Conversation About Valuable Lesson...
"What I Would Tell My Younger Self"This week we cash with experts Erica Cummings CFP, Vice President at Morgan Stanley and the creator of Women Wealth and Empowerment Series and Jackie Klos Partner at Ernst and Young.Erica and Jackie share the valuable lessons they've learned along the way. The one that they stressed the most was not being scared to fail. Advice they say is the best advice to teach your kids.For more information on The Women Wealth and Empowerment Series:https://fa.morganstanley.com/krokenberger_cummings/index.htm#women,wealt...See omnystudio.com/policies/listener for privacy information.
28 min
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60. What this millennial is doing to already ac...
Can you honestly say that you are your kid's Financial role model?If not, that's ok. We found someone who they can emulate.Meet 23 year old Elizabeth who already is on her way to financial independenceWhat is she doing that your kid (and even you yourself) can do to get rid of the money stress in your life?See omnystudio.com/policies/listener for privacy information.
17 min
177
59. College Applications 101: What You Need to ...
If you have a child in High School I'm sure the conversation about college has come up a few times.As they get closer to graduation the stress of finding the perfect college starts to set in.  You want to make sure your kid is happy with their decision, that it will be a good fit BUT you also don't want to bankrupt the family or set your child on a patch of acquiring HUGE college debt.  So, what should you know when filing out college applications?  Are some college loans better than others? Why a Parents Plus loan is NEVER the best choice.We'll help you out today as we Cash In with our expert Independent College Admissions Counselor Jodi Rosenshein Atkinshttp://www.bestfitcollegechoice.com/See omnystudio.com/policies/listener for privacy information.
19 min
178
58. Make your money work for YOU. How to Build ...
Investing your money is the key to building substantial wealth. This week, we invite Paul Pant back on the podcast to help us make money through investing in real estate.Paula is the founder of the website AffordAnything.com and a writer and speaker specializing in money, business and real estate investing.She has been featured more than four dozen major publications, including Forbes, Fortune, Money.com, AOL DailyFinance, Marketplace Money, Kiplinger, Bloomberg Business, Inc. Magazine, Business Insider, and many more (and this is only half of her resume)See omnystudio.com/policies/listener for privacy information.
13 min
179
57. Your Kid Rich with a Child IRA
We hear it ALL THE TIME "Will Social Security go away?"Well, chances are it won't be the best financial security blanket for our kids. So, as a parent you can help them plan for retirement now with a Child IRA. Yup, from the day they are first born start building their wealth and feel some relief that they will be just fine in the future.We cash in with expert award winning financial writer Chris Carosa From Cradle to Retirement-The Child IRA: How to start a newborn on the road to comfortable retirement while still in a cozy cradle.Chris explains why and how to open a Child IRATo order the book:https://www.amazon.com/Cradle-Retirement-newborn-comfortable-retirement/...See omnystudio.com/policies/listener for privacy information.
25 min
180
56. Success Habits that will get you everything...
You already possess everything you need to achieve the success you desire.Think and Grow Rich: The Legacy James Whittaker will take us through the Success Habits that will help you get what you want out of life.James Whittaker is author of Think and Grow Rich: The Legacy. The book is the official, modern-day companion to the original Think and Grow Rich by Napoleon Hill. It features detailed firsthand accounts of how some of the world’s most successful entrepreneurs, thought leaders and cultural icons of our time rose above the unlikeliest, and in some cases, most tragic of circumstances to find personal fulfillment and make their mark on the world.https://jameswhitt.com/See omnystudio.com/policies/listener for privacy information.
29 min
181
55. Top 3 Things You Should Know About Divorce
Nobody plans for this day. You don't walk down the isle thinking how will we split our finances when we get a divorce. But, if the day does come when you and your partner feel like it's better to end the relationship what should you know?We cash in with expert BJ Mann Divorce Mediator and author of the book "A Better not Bitter Divorce: The fair and affordable way to end your marriage"Reach out to BJ Mann: http://bjmediationservices.com/Thanks to our friends at Family First Credit Union for supporting the $even Figure$ podcast!  When it comes to financial education, earning and learning go hand-and-hand, and Family First is here to help you and the Greater Rochester community with both! https://home.familyfirstny.comSee omnystudio.com/policies/listener for privacy information.
16 min
182
54. Easy ways to save money
A few episodes back Financial Counselor at Family First Credit Union Jodi Arbogast was in to help us go through our budget and uncover how much we REALLY are spending vs how much we are bringing in. Figuring out your exact numbers is a crucial first step to getting your finances in order.This week is step 2. Jodi gives us ways to shave back some of those unnecessary expenses and how to save money on things we need to spend money on.Thanks to our friends at Family First Credit Union for supporting the $even Figure$ podcast!  When it comes to financial education, earning and learning go hand-and-hand, and Family First is here to help you and the Greater Rochester community with both! https://home.familyfirstny.comSee omnystudio.com/policies/listener for privacy information.
23 min
183
53. How to Best Prepare for the Unexpected
We all need to be prepared for the unexpected but "especially when it comes to women...statistically speaking 80% of us will die alone" But how? What do we need to do?This week we cash in with expert Erica Cummings, CFP, VP at Morgan Stanley and creator of the Women, Wealth and Empowerment Series.If you have more questions for Erica you can reach out to her https://fa.morganstanley.com/krokenberger_cummings/index.htmTo register for the (free) Women Wealth & Empowerment Serieshttps://www.eventbrite.com/e/women-wine-and-empowerment-tickets-45061739...See omnystudio.com/policies/listener for privacy information.
24 min
184
52. Budgeting 101- The 3 questions you need to ...
It's important to know your numbers. How much is coming in and how much is going out?We'll help you make sure you are budgeting your money the right way.This week Jodi Arbogast, Financial Counselor at Family First Credit Union will help us step by step Budgeting 101See omnystudio.com/policies/listener for privacy information.
18 min
185
51. If you want to be financially successful yo...
What do most if not all financially successful people have in common?If you're struggling to get your finances in order start here. Hopefully, you'll be able to take away some tips from our guest Conner.Thanks to our friends at Family First Credit Union for supporting the $even Figure$ podcast!  When it comes to financial education, earning and learning go hand-and-hand, and Family First is here to help you and the Greater Rochester community with both! https://home.familyfirstny.comSee omnystudio.com/policies/listener for privacy information.
20 min
186
50. How you CAN Afford Anything with Paula Pant
What is the formula to achieve financial success and to be able to "Afford Anything?"This week we cash in with expert Paula PantFounder of https://www.AffordAnything.com and host of the highly successful Afford Anything podcastWriter and speaker specializing in money, business and real estate investing.Paula has been featured in Forbes, Fortune, Money.com, Kiplinger among others and has contributed to financial websites like, MSN Money, Huffington Post, Motley Fool and moreWe talk about how you CAN Afford Anything and some "Rules of the Rich" the common themes financially successful people believe in.See omnystudio.com/policies/listener for privacy information.
16 min
187
49. Divorce and your Money- What you should know
When going through a divorce, it's important to be mindful of your finances no matter how amicable the seperation may be.Who should get the house? Are you responsible for his/her debt? How much of your 401K do you need to give up to your soon to be ex?This week we cash in with expert BJ Mann Divorce Mediator and author of the book "A Better not Bitter Divorce: The fair and affordable way to end your marriage"Reach out to BJ Mann: http://bjmediationservices.com/See omnystudio.com/policies/listener for privacy information.
18 min
188
48. Simple Steps to Get OUT of Debt
Right now your debt might feel overwhelming and daunting. Don't give up! You CAN live debt free!We're going to help you prioritize your debt today.Here are the simple steps to follow one by one (in order).Good luck! Keep us posted on your progress. We love hearing from yousandy@rochesterbuzz.comThanks to our friends at Family First Credit Union for supporting the $even Figure$ podcast!  When it comes to financial education, earning and learning go hand-and-hand, and Family First is here to help you and the Greater Rochester community with both! https://home.familyfirstny.comSee omnystudio.com/policies/listener for privacy information.
14 min
189
47. Why do women lack financial confidence?
Research shows that women feel less confident about money than men do.  Why?Today, we are going to help you overcome your financial fears.We cash in with expert Erica Cummings CFP, Vice President at Morgan Stanley and founder of The Women, Wealth and Empowerment SeriesWomen, Wealth, and Empowerment™ with Erica Cummings, CFP: https://fa.morganstanley.com/krokenberger_cummings/index.htm#women,wealt...Reach out to Erica:Erica.Cummings@MorganStanley.comSee omnystudio.com/policies/listener for privacy information.
23 min
190
46. You're Hired! What you need to do to win ev...
Should You Use a 529 Plan to Save for College? 70% of American adults have no idea what a 529 plan is so here's what you need to know about it.Then, when it's time for that job interview there's one very important thing you need to do to impress any interviewerThis week we cash in with expert Paul Celuch  https://www.CollegeAssistancePlus.comThanks to our friends at Family First Credit Union for supporting the $even Figure$ podcast!  When it comes to financial education, earning and learning go hand-and-hand, and Family First is here to help you and the Greater Rochester community with both! https://home.familyfirstny.comSee omnystudio.com/policies/listener for privacy information.
13 min
191
45. If you want to change jobs Is now the RIGHT...
Are you unhappy at work? Thinking "is there something else I should be doing?"When IS the right time to make a career change?Are there things you could do to make your current position more satisfying for you?Thanks to our friends at Family First Credit Union for supporting the $even Figure$ podcast!  When it comes to financial education, earning and learning go hand-and-hand, and Family First is here to help you and the Greater Rochester community with both! https://home.familyfirstny.comSee omnystudio.com/policies/listener for privacy information.
24 min
192
44. What do you say when your HS Grad wants to ...
A new study shows Millennials have a greater desire to start businesses than previous generations.So what if your High School graduate tells you they want to skip college and go straight to following their entrepreneurial dreams?Thanks to our friends at Family First Credit Union for supporting the $even Figure$ podcast!  When it comes to financial education, earning and learning go hand-and-hand, and Family First is here to help you and the Greater Rochester community with both! https://home.familyfirstny.comSee omnystudio.com/policies/listener for privacy information.
18 min
193
43. Is a Debt Consolidation loan the answer? Pl...
Is a Debt Consolidation loan the answer to getting you on the path to financial freedom?It can be, BUT not all Debt Consolidation companies are the same we'll let you know what to watch out for. Plus, we'll give you a few tips you can implement today to help you get out of debt and stay out of debt.Thanks to our friends at Family First Credit Union for supporting the $even Figure$ podcast!  When it comes to financial education, earning and learning go hand-and-hand, and Family First is here to help you and the Greater Rochester community with both! https://home.familyfirstny.comSee omnystudio.com/policies/listener for privacy information.
16 min
194
42. The best way to pay for college
We cash in with our expert Paul Celuch founder of College Assistance Plus  https://www.CollegeAssistancePlus.comIf you're in your 40s or even 50s and are still struggling to pay off your college loans make sure you're paying them the right way. We'll explain how you could be overpaying on the interest which will make it impossible to pay it off.We also have college tips for your High School Junior or Senior. Before they commit to a school make sure they listen to this episode.Thanks to our friends at Family First Credit Union for supporting the $even Figure$ podcast!  When it comes to financial education, earning and learning go hand-and-hand, and Family First is here to help you and the Greater Rochester community with both! https://home.familyfirstny.comSee omnystudio.com/policies/listener for privacy information.
15 min
195
41. Here's how to Patent your great idea
Have you ever thought: "Here's an idea someone should invent"Maybe it should be YOU who invents it!Here's the steps you need to take to patent your great idea.We cash in this week with Mike Pyszczek President, Genesee Northern Research LLC, Professor at Roberts Wesleyan College School of Business and coaches MBA candidates and engineering students at the University of Rochester's Simon School of Business.Thanks to Family First Credit Union for sponsoring the podcastSee omnystudio.com/policies/listener for privacy information.
14 min
196
40. This IS the year you will get out of debt a...
No matter what your goal is for the new year. Whether it's a financial goal, career goal or the goal to be healthier, it takes pushing yourself out of your comfort zone to make it come to fruition. But how?  How do you take that first step and stick to it?  Today we cash in with Title Boxing Club Pittsford owner Alex NessAlex not only made a major career change late in his life but he thrives on motivating people to stick to their future visions and make a change for hte betterThanks to our Friends at Family First Credit Union for Sponsoring the $even Figure$ podcast each week!https://www.home.familyfirstny.comSee omnystudio.com/policies/listener for privacy information.
16 min
197
39. Top 3 financial lessons we learned this year
There was a lot we learned this year thanks to all of our guests.But which episodes will make the top of the list?  We rank the Top 3 $even Figure$ podcast episodes of 2017Thanks to our friends at Family First Credit Union for supporting the $even Figure$ podcastA helpful, educated team in our community that enjoys helping you live a financially healthy lifehttps://home.familyfirstny.comSee omnystudio.com/policies/listener for privacy information.
19 min
198
38. New list of scams to watch out for
We sit down with Leita King Scam Prevention Coordinator at Lifespan to talk about the most recent scams to watch out for.Lifespan helps older adults and caregivers take on the challenges and opportunities of longer life.  Lifespan is a trusted source of unbiased information, guidance and more than 30 services and advocacy for older adults and caregivers. We also provide training and education for allied professionals and the community.https://www.lifespan-roch.org/Thanks to our friends at Family First Credit Union for supporting the $even Figure$ podcastA helpful, educated team in our community that enjoys helping you live a financially healthy lifehttps://home.familyfirstny.comSee omnystudio.com/policies/listener for privacy information.
16 min
199
37. Is it time to reinvent yourself and upgrade...
Many of us will face major shifts in our lives. Some of which will take us by surprise like a company layoff or a financially crippling divorce.  Hopefully this episode of $even Figure$ will help inspire you to get back on your feet and create the future you visualize by reinventing yourself.See omnystudio.com/policies/listener for privacy information.
12 min
200
36. Clearing up Open Enrollment Confusion. Here...
HSA vs Copay? Which is a better choice for you and your family?Don' make the same mistake that most people make during Open EnrollmentTom Julian Marketing Director at Fidelis Care helps clear up the Open Enrollment ConfusionMore information: https://www.fideliscare.orgThanks to our friends at Family First Credit Union for supporting the $even Figure$ podcastA helpful, educated team in our community that enjoys helping you live a financially healthy lifehttps://home.familyfirstny.comSee omnystudio.com/policies/listener for privacy information.
28 min