Excuses, Excuses, Excuses

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martinis and your money

Stop Making Excuses

Today is the last Friday of the month and in case you are new to this blog or my podcast, on the last Friday of the month, I host a happy hour on my podcast where the happy hour ladies and I talk about various money topics while drinking cheap drinks! Today, we are talking about a topic that Tonya suggested – excuses we make as to why we aren’t making financial changes in our lives. I thought it was a great idea because I see this quite a bit in the Financial Gym. To skip our rambling in the beginning of this episode, fast forward to about 10 minutes in. Otherwise, enjoy my rambling group of fantastic friends! Cheers!

Don’t forget that we are also in the middle of a big campaign at the Financial Gym, and I hope you’ll help me and the Financial Gym team achieve our big goal of 165 new clients in two months. We have a month to go on this campaign and we’ve had over 75 new clients sign up. Many have been listeners of this show, and I just have to tell you how much I appreciate that and you! Any of my trainers or team who speaks with or works with listeners of this show always say amazing things about you, and I say I’m not surprised because I’ve known you’re amazing people for over 2 years now. Thank you for the support so far!

If you want to get started on your own financial fitness journey or send friends, you can go to financialgym.com/friends – the listener who refers the most new clients in the next 2 months will get three months of free financial training with me!

What are we drinking?

Melanie from Dear Debt — a Mezcal Negroni

Tonya from Budget and the Beach — Cabernet

Mrs. Frugalwoods from Frugalwoods.com — Bota Box Malbec

Shannon — Vodka & Black Cherry Schweppes also known as Vodka Foo Foo

Podcast Notes

  • Tonya suggested this topic because she has recently noticed a pattern of others justifying their excessive spending.
  • She says people justify their spending to make themselves feel less guilty.
  • Shannon says some of the worst excuses she sees are when people blame their spending on their children.
  • Tonya admits she justifies the cost of her gym membership.
  • The ladies discuss how many people trust seminars and the advice they receive which often lead to terrible financial mistakes.
  • If you want to save more and spend less, you have to work for it!
  • Do the work and you’ll get results.
  • Melanie recognizes that she often saves money in one area and then justifies spending the amount she saves on something else.
  • Frugalwoods says she often fails to plan ahead – especially for dinner – and justifies it to get take out.
  • She suggests eating the same things over and over again to make meal planning easy and stress-free.
  • The ladies all agree dinner does not have to be a 5-star meal every night.
  • You work hard for your money, so you should make it hard for you to spend it!
  • When traveling, pack snacks so you don’t have to spend money on airport food.
  • Tonya says another big excuse she hears is people saying they want to live their life and don’t want to miss out because of money.
  • The only person hurt by justifying your spending is you!
  • TAKEAWAY: We can all make excuses and justifications for why we’re not making change, but it’s not until you stop telling yourself those stories that you’ll truly be open to achieving the financial success that you’re meant to achieve!

What excuses to do you continue to make for your money situation?

Life After Bankruptcy

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martinis and your money

Life After Bankruptcy

Today I’m talking to Natalie Jean Baptiste, an attorney who found herself with over $200,000 in student loan and consumer debt and decided to declare bankruptcy. It was certainly not the path she envisioned when she was in law school, but sometimes you have to hit rock bottom to rise up again. She shared how she made the decision to declare bankruptcy, why it makes sense for some people and how her career changed because of the whole experience.

What are we drinking?

Natalie:

Shannon

Podcast Notes

  • Natalie and Shannon both discuss how getting into school was the bigger concern for high school grads that paying for the school
  • Natalie said that 3-4 years after graduating from law school, she started to realize that her student loan debt was a problem
  • Natalie was working as an entertainment lawyer but not making enough money to cover her debt payments
  • Natalie not only had student loan debt, but she also had credit card debt
  • Natalie realized she needed to file for bankruptcy but couldn’t afford the $2,500 lawyer fee, so she decided to represent herself
  • Natalies says that if you don’t have a solid debt repayment plan (excluding longer term debts like student loans and mortgages) that could happen within 3-5 years, then you could be a candidate for a bankruptcy filing
  • Natalie talks about how filing for bankruptcy is like a divorce and sometimes you need it for moving on to a healthier place
  • Shannon talks about how she feels colleges and universities keep students from getting financially educated just to keep raising their tuitions
  • Natalie discusses what debts are dischargeable and what are not in bankruptcy court
  • Natalie then tells about her experience of trying to get her student loan debt discharged in bankruptcy court and the two year long process of getting a resolution
  • Natalie had $156,000 in Federal student loan debt and settled it for $36,000 at 0% interest
  • Natalie is now helping people with bankruptcy or student loan debt through My Student Loan Counselor
Random Three Questions
  1. What was your favorite class in high school?
  2. What is a book you’ve read that changed your life?
  3. If you won a million dollars what would you do with it?

Don’t forget to help my financial gym team achieve our big goal of 165 new clients in two months and go to financialgym.com/friends to sign up today!

Have you ever thought about filing for bankruptcy?

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martinis and your money

Making Big Changes

As I shared on previous shows, my team at The Financial Gym, the company I started, has set a major goal in an effort to attract venture capital investors and we need your help to accomplish it. In two months, we plan to sign up 165 new clients of The Financial Gym. If you’ve ever thought about joining or know someone who could use the personalized attention of my financial fitness trainers to achieve their financial goals, send them to financialgym.com/friends to sign up today.

We launched this effort a few weeks back and we’ve had over 50 new clients join the gym and I have to tell you that all of our new clients make me thankful we’re here and doing what we’re doing. We’ve had people join who are under invested in their 401ks, people who have spent their way into 10s of thousands of dollars of credit card debt, people who were being counseled into bankruptcy and people currently working with financial advisors who are not helping them with their total journey. I’m thankful I’ve created a financial services business that cares for people of all financial shapes and sizes. So thank you for sending people our way and I hope you continue to do so knowing that we will take great care of them. So go to or send friends to financialgym.com/friends and get started on achieving your financial dreams today!

On this episode of Martinis and Your Money, I am talking to Casey DeStefano, mentor, coach and host of the Women with Balls… in the Air podcast, about preparing yourself for making big changes in your life and having the guts to do it. I hope this conversation inspires you to do just that! Cheers!

What are we drinking?

Casey — Bacardi & Coke

Shannon — Deep Eddy Grapefruit vodka & club soda

Podcast Notes

  • Casey started her career as television/film producer & director.
  • After having her children and taking time off, she started her own production company.
  • Both Casey and Shannon’s businesses were built by bartering services at first.
  • Casey aims to help women take back their lives.
  • She says fear is the main reason for why women are not succeeding and you must wage a war on it!
  • Her fear-fighting strategy is:
    • Know the enemy and that the enemy has a secret weapon called the ‘comfort zone’
    • Use your own secret weapon – your passion
    • F
  • Shannon discusses how she experiences fear all the time but she pushes through.
  • Being scared doesn’t mean you don’t have courage to do the things you’re frightened of.
  • You have to re-train your brain by becoming aware that fear is okay and you can conquer it.
  • You must look at your comfort zone as a refueling zone instead of as a permanent place to hangout.
  • Shannon asks Casey how to help someone who has no idea what their passion is in life and has no idea how to find it.
  • Shannon was in her 30s before she figured out her passion!
  • Don’t be afraid to do what you are passionate about and stop caring what anyone else thinks.
  • Casey talks about people are afraid of the word ‘no’ but hearing no builds character.
  • Failure is the strongest lesson in life.
  • There are so many things that make us afraid so it is so important to have a solution to beat that fear.
  • Casey is offering Martinis and Your Money listeners a free 30-minute coaching call on fear and strategizing how to achieve any goal you have – visit com/rock2017 to book your consult!
  • TAKEAWAY: Don’t be afraid of making leaps and taking chances, you can truly always go backward or overcome a financial setback it might lead to, but you will never know what could have been unless you make that leap!

Random Three Questions

  1. What is your big goal for 2017?
  2. What do you do to relax?
  3. If you won a million dollars what would you do with it?

Connect with Casey:

Website

Schedule your free 30-min call

Podcast

Facebook

Don’t forget to help my financial gym team achieve our big goal of 165 new clients in two months and go to financialgym.com/friends to sign up today!

 What’s the last big change you made?

Broke Millennial Happy Hour

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martinis and your money

Broke Millennial Happy Hour

Today is the last Friday of the month and in case you are new to this blog or my podcast, on the last Friday of the month, I host a happy hour on my podcast where the happy hour ladies and I talk about various money topics while drinking cheap drinks! Today’s Happy Hour is a special happy hour as we welcome Erin Lowry, personal finance expert and author of the new book Broke Millennial – Stop Scraping by and Get your Financial Life Together. Erin will always hold a special place in my heart and for this show as she was actually the first guest ever of Martinis and Your Money. She joins me and the ladies to talk about the book and we all discuss lessons we’ve learned in our 20s and now here’s my friends. I hope you enjoyed this happy hour.

Don’t forget to check out The Financial Gym and its tools and resources to help you break free from your financial challenges and live a financially healthier life!

What are we drinking?

Melanie from Dear Debt — Malbec

Tonya from Budget and the Beach — Shots of vodka (water)

Mrs. Frugalwoods from Frugalwoods.com — Hot cocoa

Erin from Broke Millennial — Dirty vodka martini with three olives

Shannon — Vodka & tonic

Podcast Notes

  • Erin was Shannon’s very first guest on Martinis and Your Money!
  • She is an obsessive dog-mom and loves milk.
  • She started Broke Millennial in January 2013 to help demystify personal finance for her peers.
  • She moved to New York and was earning $23,000 a year between 3 jobs but she was able to manage it because of her upbringing and learning about personal finance so she wanted to pass that knowledge on to others.
  • Shannon says if you like sarcasm, you’ll love Erin’s book!
  • Erin explains the Fuck-Off Fund mentioned in the book.
  • The only way to truly have any kind of freedom is to have money.
  • Frugalwoods loves Erin’s no-nonsense approach to tackling money issues and her explanations for what you need to do.
  • Tonya loved the first chapter and Erin’s origin story which she calls the Krispy Kreme Donut story.
  • Erin says her dad seems like a villain in a bunch of her stories because of his tough love but she is thankful for it!
  • The ladies agree that receiving financial support from parents often hurts rather than helps.
  • Even though Erin’s family was comfortable and could have afforded to pay for her college education, they made her pay for half.
  • Because of that she chose to go to a college where she received a significant amount of scholarships and graduated debt-free instead of the school that was going to cost her between $80k-$100k.
  • They discuss different debt repayment methods and agree the best method is the one you are going to stick to.
  • Shannon asks the ladies about the best money lesson they learned in their 20s:
    • Tonya – Don’t spend money on random stuff.
    • Liz – Frugality gives you options.
    • Melanie – Be consistent in learning your values.
    • Shannon – Make more and spend less.
    • Erin – Always negotiate.
  • Melanie talks about how she is scared to negotiate and Erin says the worst they can say is “no”.
  • Erin’s book is interesting to read and has a lot of great information – you can find Erin at com and can purchase her book through a link there or on Amazon, Barnes & Noble, and other online book sellers.
  • TAKEAWAY: It’s important to focus on money as early as you can. If you’re in your 20s listening to this, don’t let time pass you by!

Earn More Money in Your Job

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martinis and your money

Earn More Money in Your Job

On this episode of Martinis and Your Money, I am talking to Allegra Brantly about one of the hard components financial fitness – making more money. I say all the time that physical fitness and financial fitness are similar in that you only need two things for success. To get physically fit, you need to work more and eat less. To get financially fit, you need to make more and spend less. It sounds easy, but if it was so easy, we’d have a bunch of skinny millionaires running around.

For many people, especially women, it’s tough to ask for more and earn more in our current jobs, but that’s actually your easiest path to making more money. Allegra has coached dozens of women to ask for and get more money, and today she is sharing some of her secrets with us. Cheers!

What are we drinking?

Allegra — Matcha latte

Shannon — Coffee

Podcast Notes

  • Allegra has a mission to help 100,000 women believe in and achieve their full-value potential.
  • Her mission is what led her to join the Financial Gym team.
  • She negotiated a $25,000 raise for herself when she was working as a sales associate.
  • That $25,000 raise made her realize she had been severely underpaid before.
  • Allegra used Glassdoor to determine the average salary range for her specific role and used that range in her negotiation.
  • She says a large part of negotiation is putting your number out there as well as setting a date for when you’d like an answer.
  • People are often nervous to rock the boat – but you should be paid appropriately for the work you are doing!
  • Allegra says a lot of her coaching clients make excuses for their companies and for why they haven’t negotiated their salary.
  • Steps to take to negotiate your salary and earn more money include:
  1. Figure out your numbers
    • Get on Glassdoor and type in your title as well as similar titles to get the national and your city average salary range
    • Shannon says she wants her employers to take a self-assessment of their work before they schedule a meeting
  2. Schedule an in-person salary-focused meeting
    • Try to meet with your boss or senior person involved in decision making
    • Don’t provide too much detail for what the meeting is about
  3. Be open, honest, and direct to accomplish your goal for the meeting
    • Set a time for when you would like to receive an answer
    • Remember, everyone is in sales – you are in sales for yourself!
    • If the meeting starts to go off-track, wrap up the conversation as quick as possible and acknowledge you didn’t prepare them for what the meeting was about.
  4. Follow up with whoever you meet with after your meeting
  • Having this conversation will either earn you more money, feedback of the work you have been doing, or better understanding of the company you work for and whether you want to continue working for them.
  • Shannon says to remember the words of Wayne Gretzky, “you miss 100% of the shots you never take.”
  • The fastest, easiest way to make more money is to earn more at your job!
  • Shannon & Allegra agree that the potential for the conversation to be uncomfortable keeps people from negotiating their salaries.
  • You don’t have to only negotiate your salary – there are several other things you can negotiate!
  • Shannon & Allegra bring Claire, a listener of the show, into the conversation to coach her for a real-life situation she is facing with her current salary.
  • TAKEAWAY: Don’t let a potentially uncomfortable conversation prevent you from getting paid what you deserve. Take the shot and know that no matter what, you’ll walk away with something whether it’s money or a lesson learned.

Connect with Allegra:

allegra@fingyms.com

Glassdoor

Have you ever successfully negotiated for more money?

The Rise and Fall of Miss Mazuma’s Empire

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martinis and your money

The Rise and Fall of Miss Mazuma’s Empire

As I shared on previous shows my team at The Financial Gym, the company I started, has set a major goal in an effort to attract venture capital investors and we need your help to accomplish it. In two months, we plan to sign up 165 new clients of The Financial Gym. If you’ve ever thought about joining or know someone who could use the personalized attention of my financial fitness trainers to achieve their financial goals, send them to financialgym.com/friends to sign up today.

We launched this effort two weeks ago and so far we are quarter of the way there with over 40 new clients! Thank you so much for your support! Let’s keep this momentum going! And the listener who refers the most new clients between now and the end of May, will win 3 free months of financial training from me personally which is an over $600 value. So go to or send friends to financialgym.com/friends and get started on achieving your financial dreams today!

On this episode of Martinis and Your Money, I am talking to Bianca, founder of the blogsite, Miss Mazuma, about her journey from owning 3 homes to barely being able to rent an apartment on her own. Her rollercoaster experience in real estate is chock full of lessons to be learned, and thankfully, it has a happy ending. Listen and enjoy! Cheers!

What are we drinking?

Bianca — Bloody Mary

Shannon — Bloody Mary

Podcast Notes

  • Mazuma means money in Yiddish!
  • Bianca is a flight attendant and has been for 15 years.
  • She considered her job as a flight attendant to be a transitional job, but she still loves it today!
  • She started her blog to help make sense of finances for younger professionals and also to discuss real estate.
  • Bianca purchased property in 2005, 2006, and 2007.
  • She rented two of her properties but was still losing money on them.
  • She and her ex-husband then purchased a home in 2010.
  • She decided to short sale her other three properties because she could no longer afford them.
  • Bianca felt like she did everything right with her real estate investments but accepts she couldn’t change certain factors like the market.
  • When she started the short sale process, she had stopped paying the mortgages on her properties.
  • She ended up paying cash for another unit in the building of two of her properties and still lives there today!
  • Bianca says don’t buy a property if you plan to sell in two to three years.
  • Owning property doesn’t make you any better than those who rent!
  • Shannon says she frequently advises against purchasing a home.
  • Owning property puts you on the hook for repairs and other things that go wrong with them.
  • Bianca’s last short sale was in August 2013 – almost 4 years ago, which is important because she can get a new loan since no one will give you a new loan until 4 years after a short sale.
  • Now that she owns her home, her savings rate is 75% and her financial picture has completely turned around!
  • To do so, she started hustling, working harder, and saving more.
  • She wants to own another property soon.
  • She has gone from a 620 credit score to a 789.
  • Her salary when she first started purchasing real estate was $45,000, and it is now $75,000.
  • Bianca’s story is proof that a financial low won’t last forever!
  • Shannon and Bianca agree acceptance is key to transform your situation.
  • Your friends and family want to help you – you just have to let them.
  • TAKEAWAY: Anything we do financially can be undone. With time and dedication, anyone can rise from the financial mistakes of their past just like Bianca.

Random Three Questions

  1. What is your favorite flights to do?
  2. What is your biggest budget-buster?
  3. Would you rather read a book or watch tv?

Connect with Bianca:

Website

Twitter

Have you ever had to deal with a foreclosure? What’s your biggest financial regret? 

Shedding Pounds and Shedding Debt

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Shedding Pounds and Shedding Debt

This blog post is part of the Pay Down My Debt (PDMD) blog tour, sponsored by US Equity Advantage. PDMD is a solution that accelerates debt payoff and helps consumers monitor their credit and make smarter purchasing decisions. If you’re looking to pay off debt find out how they can help.

I have always struggled with my weight. From the moment I went through early puberty at 10, I always had curves and needed to keep an eye on my eating and activity levels. I did a good job of keeping my weight under control while I was in high school and college because I had side hustles that kept me active and on my feet.

Then I graduated from college and took an investment banking job that was not only sedentary, but also consumed 90 hours a week leaving me with little to no energy to work out before or after work; and this is where the weight started to creep on. It was only two or three pounds a year, but the weight was coming on and not going away.

Credit Creep Is Real

I see this happen to clients with their credit cards. They’ll buy an $80 dinner one night and then a $200 plane ticket the following week and each transaction doesn’t seem like a lot, but it’s adding up on the card and cumulatively becoming difficult to pay down. Each month the card balances will roll to the next month and the client will assert that the next month the balances will come down.

Another problem I see is that the client’s monthly spend balances continue to grow, so instead of only having $1,500 on their credit card every month, they’ll have $2,000 and then $2,500. Clients will pay these off in full every month, but it’s easier to pay down $1,500 then $2,500.

Rationalization Is Our Enemy

This happened with my weight situation. I started gaining the extra weight and then I not only didn’t try to lose it, but I just accepted that I was a higher weight. I rationalized that 160 wasn’t that bad or that a size 10 was fine when I had been 135 and a size 6 only two years before. I continued down this path until I began to accept that my “new normal” was 200 pounds and a size 14. I stayed this weight for years after my son was born and just accepted the reality that I would be a “fat girl” forever. I assumed I couldn’t change anything at that point.

Until I got tired of not looking at myself in the mirror and hating myself when I got in the shower. I decided to make a change and used Weight Watchers to help me begin my weight loss journey. I paid a monthly fee for the tools and resources that Weight Watchers offered, and for the first time in years, I began getting results. The process just clicked for me.

Change is not Overnight

The weight didn’t come off overnight and in fact many weeks the weight loss was negligible, but I had a goal in the system and I stayed focus on that goal. Part of the reason why I created my company, The Financial Gym, is because I saw a lot of similarities in my weight loss journey with client’s journeys to get financially healthy, specifically in paying down debts.

Just like you can gain weight over time or in large amounts quickly after you have a baby, you can gain debt over time on credit cards or in large amounts quickly in student loan debt. Either way you gain the debt, it sucks, but just like physical weight, getting rid of debt is going to take you time. It’s rarely an overnight process and in most cases it’s easier to tackle it when you have tools.

Find Resources that Help

I was so thankful to have Weight Watchers when I started losing weight and I think of Pay Down My Debt like the Weight Watchers for your debt. It’s a tool to help you understand how you can pay down your debt and then help you implement the most strategic repayment plan to repay it efficiently. I think the best thing Pay Down My Debt helps its users with is automating their debt repayment plan.

We all lead busy lives and sometimes forget to take care of certain financial areas; however, when it’s on autopilot it’s one less thing for you to think about. Weight Watchers helped me understand a good meal plan that worked for my body and once I figured it out, I went on autopilot with my eating. When I stuck with my meal plan, I knew that every week I would lose weight; and if I slipped, I knew I would fall off track. The great thing about Pay Down My Debt, though, is that once you set up your plan, you really can’t fall off track because your payments are in place.

There’s a monthly fee for the service just as I paid a monthly fee for Weight Watchers, but if Pay Down My Debt helps you pay off your debt quickly and efficiently, then it’s money well spent, just like my Weight Watchers membership was. I really never could have lost 50 pounds without a tool like Weight Watchers and I know that many people feel the same way about Pay Down My Debt for losing debt.

I tried a number of different weight loss solutions over the years after my son was born, but none of them worked like Weight Watchers. If you’re struggling with the right debt repayment solution for you, I encourage you to check them out and let me know what you think. There is not a one size fits all solution for debt repayment and I encourage you to try any and all options until you find the best one that works for you; and maybe it’s Pay Down My Debt?

Are you on a debt repayment journey? What tools or resources work for you?

Military Money

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martinis and your money

Military Money

On last week’s show I shared with you that my team at The Financial Gym, the company I started, has set a major goal in an effort to attract venture capital investors and we need your help to accomplish it. In two months, we plan to sign up 165 new clients of The Financial Gym. If you’ve ever thought about joining or know someone who could use the personalized attention of my financial fitness trainers to achieve their financial goals, send them to financialgym.com/friends to sign up today!

We launched this effort last week and so far we have 30 new clients! We are off to a great start so let’s keep the momentum going! And the listener who refers the most new clients between now and the end of May will win 3 free months of financial training from me personally which is an over $600 value. So go to financialgym.com/friends and get started on achieving your financial dreams today!

Now onto today’s podcast. I have a number of listeners who are currently or formerly served in the military who have asked questions about military finance so on this episode of Martinis and Your Money, I am talking to Ryan Guina, found of the Military Wallet. Ryan addresses some of my listener questions but also gives us a great insight into managing your finances while managing a military career. I thoroughly enjoyed hearing Ryan’s story, and I thank Dominique and Jen for inspiring me to record this episode. Cheers!

As a side note: Please stop by The Financial Gym and have a drink with us if you are in the area or check us out online for tools and resources to help you break free from your financial challenges and live a financially healthier life! We’ll kick your assets into shape!

What are we drinking?

Ryan — Jack & Ginger

Shannon — Vodka & Tonic

Podcast Notes

  • Ryan joined the military in 1999 – one year after he graduated high school – because he was bored with college and wanted an adventure.
  • He went on active duty Air Force for 6.5 years.
  • During that time, he traveled the world and saw 35 countries, 5 continents, and he also got his degree.
  • When his enlistment was done, he got out and got a job in the civilian world and started some websites to document that transition and what he was doing and learning – Cash Money Life & the Military Wallet.
  • About 2.5 years ago – after being out of the military for 8.5 years – Ryan signed up for the Air National Guard and now serves on a reserve/part-time basis.
  • Ryan explains why he chose to serve in the Air Force instead of the other branches.
  • He says serving is one of the world’s best apprenticeships.
  • Shannon asks Ryan if he rethought his enlistment after 9/11 occurred.
  • Ryan discusses how he was able to earn his degree while he was on active duty.
  • Once he transitioned out of the military, it took him around 6 months to find a job.
  • He ended up relocating to Dayton, Ohio to be near his now-wife and found a job at an Air Force base doing logistics analysis.
  • Ryan says you have to find a way to leverage the different skills you have by combining them to find a job outside of the military.
  • He says people have to look past the exact job description of what they do in the military, and instead, look at the skills and the things you’ve done and find ways to present that to potential employers that says “I can solve your problem.”
  • Shannon agrees and points out that there are many employers that want to hire veterans.
  • Ryan discusses how he prepared to transition out of the military while he was still serving.
  • Shannon asks what financial choices Ryan struggled with while serving.
  • He explains a TSP (Thrift Savings Plan) and compares it to a 401k.
  • He encourages people to leave their money in there because the fees are so low unless they have a very specific reason to pull it out.
  • Once out of the military, you can no longer contribute to a TSP, but you can roll money into it from something else like a 401k or IRA.
  • Shannon asks Ryan what the blended retirement system is and how it impacts people in the military.
  • Current service members have the option to choose whether they want to be grandfathered in to the old retirement system or participate in the blended retirement system.
  • New service members will only have the blended retirement system option.
  • Ryan mentions some military blogs aimed towards achieving financial independence:
  • He says you won’t become wealthy off of the military, but if you can keep your expenses low and have a very high rate of saving, you can become financially independent!
  • TAKEAWAY: Always remember the men and women who make great sacrifices to give us security so that we are free to pursue our financial goals without fear of losing everything we love so dearly.

Random Three Questions

  1. What is the #1 thing you miss about being an active military member?
  2. What was your favorite destination while you were on active duty?
  3. What is your biggest money regret?

Connect with Ryan:

The Military Wallet website

The Military Wallet podcast

Cash Money Life

Thank you Ryan and everyone else serving our country. I salute and toast you for your courage and bravery!