Millennial Money Matters

I'm On a Boat - Travel Agent Tips & Tricks

Tue, 31 Mar 2026 12:00:00 +0000

Millennials love to travel — and apparently, we really love to cruise. Derek and Kelly sit down with cruise expert and travel consultant Pam Sanzo (Pamrock Inspired / Cruise Brothers) for a deep dive into everything you need to know before booking your next vacation. From how to actually save money on a cruise to whether the drink package is worth it, this one is packed with real, practical advice from someone who has been in the industry for 30 years.

They cover what to book early (and why waiting for a deal is usually a mistake), how to pick the right cruise line for your travel style, what NOT to skip on a private island stop, and the travel hacks that could save you from showing up to your ship with nothing but a backpack.

Whether you're a first-time cruiser or a seasoned sailor, this episode will help you travel smarter — and spend less.

Topics covered:

Why you should use a travel agent instead of booking online
Royal Caribbean vs. Norwegian vs. Virgin — who wins for which traveler
The truth about the cruise drink package (the math might surprise you)
Group cruise rates and what perks you actually unlock
Shoulder season travel and when Caribbean deals actually happen
Private islands like Perfect Day at CocoCay — hype or worth it?
Kids clubs, family cruising, and tips for traveling with children
Travel hacks: carry-on packing, passport tips, and arriving a day early
River cruises, Alaska itineraries, and exotic destinations for the bucket list

Want to reach Pam? Here is her website: https://pamroc.cruisebrothers.com/cb/

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

You Up? Reddit's Money Questions Answered

Tue, 17 Mar 2026 12:00:00 +0000

We went to Reddit so you don't have to.

Derek and Kelly (plus producer Justin, making a rare on-mic appearance) pulled the most common financial questions people are actually asking on Reddit and answered them straight. No jargon. No vague advice. Just real answers.

In this episode:

What's the right amount to spend on a car? (Kelly just bought a Rivian, so we're starting here)

Student loans vs. 401k — where does your money go first?

What actually happens to your 401k when you change jobs?

Building an emergency fund when you're living paycheck to paycheck

How to talk to your partner about money without it turning into a fight

What does a financial planner actually do — and do you even need one?

Is it too late to start saving for retirement at 35?

How to start investing with only $100 a month Individual stocks vs. index funds — what the numbers actually say

Real estate vs. index funds: the "it depends" answer Is it worth buying a home right now with these interest rates?

How to negotiate your salary (including the advice nobody talks about) $30,000 in credit card debt — where do you even start?

Is life insurance worth it if you don't have kids?

If you've ever typed a financial question into Reddit and gotten 47 conflicting answers, this episode is for you.

🎙️ Millennial Money Matters is hosted by Derek Mazzarella, CFP® and Kelly Turner, Mortgage loan officer

📩 Have a question for a future episode? Drop it in the comments.

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Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

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Toy Story: From Side Hustle to Entrepreneurship

Tue, 24 Feb 2026 13:00:00 +0000

Millennial Money Matters just got a visit from someone who might be running the most relatable business for parents right now.

Kim Conti is the founder of Orbit Crates, a toy rental subscription that delivers curated toys to families with kids ages 0-6. Think of it like Netflix for toys. 500 titles to choose from, doorstep delivery, swap whenever the kids are done. No clutter. No waste. No more stepping on the same Fisher-Price toy for 18 months.

But this episode isn't just about toys. It's about what actually happens when you leave a corporate job to chase a dream, with three kids at home and a finite cash runway staring you down.

Kim gets into the real stuff: how she and her husband drew a hard line on business and personal finances, why she spent her first six months raising non-dilutive startup capital instead of running the business, and what it actually feels like to be the business owner who's also the marketer, the operator, and the one packing boxes in her spare room. (The kids are not allowed in that room.)

Derek and Kelly weigh in on the financial side of the founder journey: when to reinvest in the business versus pull money out, why too many entrepreneurs skip the tax professional until it's too late, the LLC structure mistakes that quietly cost business owners serious money, and how cash flow planning changes everything when revenue isn't predictable month to month.

Also: Great Wolf Lodge is basically a wet kids casino. You heard it here first.

https://orbitcrates.com/

Reach out to Kim Conti at kim@orbitcrates.com, Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

The Fed Is in the Group Chat Now

Tue, 03 Feb 2026 13:00:00 +0000

Big news just dropped from the Federal Reserve—and it has real implications for your money. In this timely episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella break down the announcement of a new Federal Reserve Chair, Kevin Warsh, and explain what this leadership change could mean for interest rates, mortgages, savings accounts, and the broader economy .

Rather than reacting to headlines or political noise, this episode focuses on how the Fed actually works, why independence matters, and how Fed decisions show up in your everyday financial life.

In this episode, we cover:

Who the Federal Reserve is and what its two core mandates are
What a new Fed Chair means (and what it doesn’t)
The difference between Fed rate cuts and mortgage rates
Why savings accounts and credit cards react faster than mortgages
Quantitative easing explained in plain English
Dovish vs. hawkish policy and why it matters
The tension between inflation and unemployment
Why groceries feel more expensive even when inflation is “down”
How political volatility impacts markets and lending behavior
What millennials should actually pay attention to over the next 6–12 months

If you’ve ever felt like Fed news is “above your head,” this episode breaks it down in a way that helps you make smarter decisions about borrowing, saving, and investing.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

2026: Financial, Housing and Fashion Trends

Tue, 20 Jan 2026 13:00:00 +0000

It’s a new year—and with it comes new financial trends, cultural shifts, and economic uncertainty. In this episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella kick off the year by breaking down what 2026 could look like for millennials, from housing and investing to spending habits and lifestyle changes .

This episode blends economic analysis with millennial culture, exploring why nostalgia is back, why stability is becoming more valuable than hustle culture, and how chaos in the world is shaping financial behavior.

In this episode, we discuss:

Why nostalgia and “comfort trends” are making a comeback
The return of early-2000s culture and what it says about today’s economy
Housing market realities: inventory shortages, rates, and buyer expectations
Why a housing crash is unlikely despite online predictions
Government policy changes and how they affect mortgage rates
Why lower rates could actually push home prices higher
The divide between the top 20% and bottom 80% of the economy
Inflation fatigue, rising everyday costs, and the search for stability
Why millennials are shifting away from risky financial hacks
How to think about savings, investing, and diversification in uncertain times

Rather than chasing predictions or panic headlines, this episode focuses on how millennials can adapt, plan, and make smarter financial decisions in a rapidly changing world.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

10 Things I Hate About Your Home Listing

Tue, 06 Jan 2026 13:00:00 +0000

Selling a home isn’t as simple as “throwing it on the market and seeing what happens.” In this episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella are joined by Adam Clemens, broker-owner of Century 21 Clemens Group with nearly 25 years of experience, to break down what actually matters when selling your home in today’s market .

We dive into the biggest misconceptions sellers have and the behind-the-scenes strategy that separates smooth closings from deals that fall apart.

In this episode, we cover:

The number one mistake sellers make: overpricing and “testing the market”
Why the first 7–10 days on market are critical
How buyers really evaluate price vs. terms vs. conditions
Why for-sale-by-owner transactions often go wrong
How emotions and pride can sabotage negotiations
What sellers need to know about inspections, deposits, and contingencies
Why not all offers are equal—even if the price is higher
The importance of experienced agents, lenders, and relationships
How staging, photography, and timing impact final sale price
Common contract pitfalls that can cost sellers money

Whether you’re planning to sell soon or just want to understand how the process really works, this episode gives you a real-world, no-nonsense look at selling a home—without the hype.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Tell Me Why… You Still Haven’t Done Your Will

Tue, 16 Dec 2025 13:00:00 +0000

Estate planning isn’t just for the wealthy — it’s for anyone who wants to protect their family, business, and assets. In this episode of Millennial Money Matters, Derek Mazzarella sits down with Aaron Frankel of Franklin & Frankel to simplify what most people get wrong about estate planning and explain how to make smart legal decisions before it’s too late.

We cover:

The essential estate planning documents everyone needs: will, trust, power of attorney, and healthcare proxy
How to choose the right executor and guardian for your children
What probate really is — and why you shouldn’t fear it
The difference between revocable and irrevocable trusts
Why every business owner needs an LLC and operating agreement
When to update your estate plan and how often to review it
The dangers of outdated beneficiaries on retirement accounts and life insurance
How to protect your home and assets from long-term care costs
Common mistakes that tear families apart after a death
Why open communication about money and inheritance is the best legacy you can leave

Whether you’re a millennial just starting a family, a homeowner, or a business owner, this episode breaks down estate planning in plain English so you can protect your wealth and your loved ones with confidence.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

The Great Millennial Throwdown: Stocks vs. Real Estate

Tue, 02 Dec 2025 13:00:00 +0000

Is real estate actually a smart investment… or is it overrated? In this episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella dive deep into the age-old debate: Real estate vs. stocks. Whether you’re a millennial thinking about your first home, or a seasoned investor looking to grow your wealth, this breakdown will change how you think about buying, renting, and investing in 2025.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Pimp My Patio - The Value of Home Rennovations

Tue, 18 Nov 2025 13:00:00 +0000

Homeownership sounds exciting—until you need a new roof, deck, or windows. In this episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella sit down with Corey Turner of Turner Home Improvement, a third-generation contractor and Kelly’s husband, to break down the real costs of home improvement, the truth about contractor quotes, and how to spot red flags before hiring anyone.

We cover:

The real cost of a new roof vs. a deck in 2024
Why materials like composite decking have skyrocketed in price
Common home maintenance myths that cost homeowners thousands
How to know when it’s time to replace your roof or windows
Why “two layers of shingles” could void your warranty
The difference between replacement and new construction windows
How COVID and tariffs permanently changed construction pricing
Popular home design trends: farmhouse exteriors, composite decks, and black windows
The truth about “value-adding” projects vs. required maintenance
How to vet contractors using the Connecticut judicial and consumer protection websites

Whether you’re a first-time homeowner, investor, or planning a renovation, this episode will help you understand the real numbers, avoid scams, and protect your biggest investment—your home.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

My AI Bubbles Bring All the Bots to the Yard

Tue, 04 Nov 2025 13:00:00 +0000

Artificial Intelligence is everywhere — from ChatGPT to Siri to your inbox — but are we in danger of another tech bubble? In this episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella break down the hype, history, and hard truths behind the AI investing craze.

They compare today’s AI boom to the dot-com crash of the 2000s, explore how companies like OpenAI, NVIDIA, and Microsoft are shaping the landscape, and ask the big question: Is AI truly the future… or just another financial bubble waiting to pop?

We cover:

The difference between AI and past tech bubbles
Why big companies (not startups) are driving this boom
How AI investments compare to Pets.com and the dot-com era
What makes NVIDIA the new “picks and shovels” of the AI gold rush
The risks of overvalued tech stocks and circular spending
How to invest in AI without losing your shirt
Data collection, privacy, and why “you are the product”
The future of AI tools in daily life, from self-driving cars to chatbots
Why diversification still matters in a hype-driven market

Whether you’re an investor, tech enthusiast, or millennial just trying to make sense of the AI frenzy, this episode is packed with insight, humor, and real-world advice.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Your Dog Deserves a Yard—But Are You Ready?

Tue, 21 Oct 2025 12:00:00 +0000

It’s the question every future homeowner asks: When is the right time to buy a house? In this episode, we unpack what “ready” really means—financially, emotionally, and practically. From savings and credit scores to lifestyle and long-term goals, we’ll help you figure out the signs that it’s time to make the leap into homeownership.

And yes—we even talk about the real reasons people start house hunting… like finally giving your dog the backyard they deserve.

Whether you’re scrolling Zillow at midnight, daydreaming about backyard BBQs, or just wondering if buying makes sense for you, this conversation is all about clarity, confidence, and timing.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Oops! The Fed Did It Again

Tue, 07 Oct 2025 12:00:00 +0000

The Federal Reserve makes headlines every time it changes rates—but what does that actually mean for your mortgage, credit cards, car loans, or savings account? In this episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella break down the Fed, Jerome Powell, and how interest rate decisions ripple through the economy in ways that impact millennials every day.

We cover:

Who the Federal Reserve really is and what their two jobs are Interest rates vs. quantitative easing explained

Why the Fed raises or lowers rates (and what it signals) How Fed decisions affect mortgages, credit cards, and auto loans

Why mortgage rates don’t always follow Fed cuts

The history of rate hikes from 2020 through 2024

Refinancing 101: when it makes sense to refi and when it doesn’t

Closing costs, escrow accounts, and the hidden fees of refinancing

How rate cuts affect investing: bonds, stocks, and high-yield savings accounts T

he Fed’s balancing act between inflation, unemployment, and housing affordability

This episode demystifies the Fed’s decisions and shows how they really influence your money from home affordability to the stock market.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

The One Where We Lawyer Up -Hailey Rice Interview

Tue, 23 Sep 2025 12:00:00 +0000

You’ve seen the commercials. You’ve seen the billboards. But when it comes down to it—how do you know if you actually need a personal injury lawyer?

In this episode, we sit down with Hailey Rice, personal injury lawyer extraordinaire, to answer the questions everyone has but rarely asks. Why choose a personal injury attorney over your regular practitioner? What’s the very first thing you should do if you’re injured? And how can the right lawyer make all the difference in protecting your rights and your recovery?

Hailey brings her expertise, real-world advice, and a little myth-busting to the table in this must-listen conversation.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Season 3 Kickoff: New Studio, New Energy, Big Beautiful Conversations

Tue, 09 Sep 2025 12:00:00 +0000

We’re back—and bigger than ever! Season 3 launches with a fresh perspective, a brand-new studio, and a renewed commitment to bringing you the conversations that matter most.

In this premiere episode, we dive into the “Big Beautiful Bill.” What is it? Why should you care? And most importantly—what does it mean for you, your wallet, and your future? We break it down in real talk, cutting through the noise so you know exactly what’s at stake.

New season. New us. Let’s get into it.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

You Asked, We Spilled: Season Finale Q&A

Tue, 24 Jun 2025 12:00:00 +0000

It’s the season finale, and we’re flipping the script. For our last episode of Season 2, we’re handing the mic to our producer, Justin, who’s putting us in the hot seat. He’s asking your questions—yep, the real ones you slid into our DMs with. From “Should I pay off my student loans faster or invest?” to “What’s the deal with first-time homebuyer programs?”—we’re answering the stuff you actually care about. No jargon. No judgment. Just real talk, real advice, and probably some chaotic energy. We’re wrapping Season 2 with the Q&A episode you didn’t know you needed. See you in September for Season 3! 💸💬

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Be Your Own Bank? Sounds Fake but Okay.

Tue, 10 Jun 2025 12:00:00 +0000

You’ve seen the TikToks: “Be your own bank,” they say — using life insurance to build wealth, borrow from yourself, and never deal with lenders again. Sounds like a cheat code, right? In this episode, we’re breaking down what that actually means. We’re diving into the concept of using whole life insurance as your own personal bank, where the hype comes from, who it actually works for, and why it flops for most people. Think of this as your no-BS guide to a trending strategy with a lot of fine print. We’ll cover the pros, the real-life roadblocks, and what you need to know before jumping on the "infinite banking" bandwagon.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Millennial Millionaire Starter Pack: Airbnb Edition

Tue, 27 May 2025 12:00:00 +0000

We’re in our “side hustle season,” and this week we’re diving into Airbnb culture with Jessica Starr, a top realtor with LPT Realty and a seasoned Airbnb host who manages multiple properties across multiple states. In this episode, we unpack what it really takes to run a successful short-term rental: startup costs, management tips, red flags to avoid, and how to know if it’s the right fit for you. Whether you’re dreaming of passive income or wondering if this is just another Instagram trap, we’re breaking it all down. Spoiler alert: It’s not just fluff and fairy lights—this is a business.

Are you ready to host or should you just book the stay? Let’s find out.

Jessica can be reached at jessica@starrteam.com

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Debt, Scores, and the Tea on Credit – with Stephen Robert of Bedrock Credit America

Tue, 13 May 2025 12:00:00 +0000

Your credit score can open doors—or slam them shut. In this episode of Millennial Money Matters, we’re joined by Stephen Robert, owner of BedRock Credit America, a nonprofit credit repair agency, to break down everything you need to know about credit. From fixing past mistakes to building strong financial habits, Stephen shares expert advice on boosting your score, navigating the credit system, and the changes coming that could impact your financial future. Whether you’re looking to buy a home, refinance, or just get your credit in top shape, this episode is packed with must-know info. Tune in now!

You can reach Stephen at https://bedrockcreditamerica.org/

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

It’s Giving...Bear Market

Tue, 29 Apr 2025 12:00:00 +0000

Market volatility got you spiraling? We get it. In this follow-up to our recession episode, we’re unpacking exactly what to do when the markets start doing the most. Should you move your money? Freeze your spending? Hide under a weighted blanket? (Maybe a little of all three.)

In this episode of Millennial Money Matters, we talk about how to stay financially steady when everything feels shaky. From investment strategies to mindset shifts, we're giving you the tools to protect your finances and your mental health when the economy starts acting up.

It’s real talk, real advice, and zero fear-mongering—because financial empowerment > panic mode.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Jobs, GDP, vibes… what really signals a recession?

Tue, 15 Apr 2025 12:13:17 +0000

Everyone’s throwing around the word recession—but what does it actually mean? And how do we know if we’re in one… or headed for one? In this episode, we break down the real indicators economists look at (like GDP and unemployment), the not-so-obvious ones (consumer confidence, anyone?), and why vibes sometimes do matter. If you're confused by all the mixed messages about the economy right now, this episode will help you make sense of it all—without the jargon.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Treat Yo’ Self… or Trick Yo’ Self? The Cost of Influencer Culture

Tue, 01 Apr 2025 12:00:00 +0000

Social media makes it easier than ever to find the latest trends—but is it also draining your wallet? In this episode of Millennial Money Matters, we dive into the impact of social media on millennial spending habits. From viral “must-have” products to the pressure of keeping up with influencer lifestyles, we break down how platforms like TikTok and Instagram shape financial decisions. Are these trends helping or hurting your financial goals? We explore ways to stay savvy, resist impulse purchases, and take control of your spending in the age of influencers.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Homeownership? In This Economy? Here’s How to Make It Happen

Tue, 18 Mar 2025 12:00:00 +0000

Buying a home can feel overwhelming—especially for millennials navigating the process for the first time. In this episode of Millennial Money Matters, we break down the steps to homeownership with our very first guest, Jonathan Archer, a millennial realtor with William Raveis Real Estate. From getting pre-approved to making an offer (and avoiding common mistakes), Jonathan shares his insider knowledge on what buyers need to know. Whether you're dreaming of your first home or just curious about the process, this episode will help you feel confident and ready to take the plunge.

To contact Jonathan Archer-

Jonathan Archer, REALTOR

m860.713.9000

The Margaret Wilcox Team

William Raveis Real Estate

Licensed in the State of CT

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Big Mortgage Energy: Finding the Right Loan for You

Tue, 04 Mar 2025 13:00:00 +0000

So, you’ve decided to buy a house—congrats! Now comes the fun part: figuring out which mortgage won’t completely wreck your financial future. From FHA vs. conventional to VA and USDA loans, we’re breaking down your options in a way that won’t make your head explode.

Whether you're a first-time buyer wondering why there are so many acronyms or just trying to flex that Big Mortgage Energy, we’ve got you. Let’s talk loans, bust some myths, and make sure you don’t accidentally sign up for a financial disaster.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Financial Trends of 2025: The Good, The Bad, and is AI taking over

Tue, 18 Feb 2025 13:00:00 +0000

Move over oxblood and skinny jeans—2025 is bringing in a whole new batch of trends. We’re kicking things off with a deep dive into what’s hot this year, from the return of questionable fashion choices to why everyone suddenly needs a "friendcation." But the real glow-up? Your money.

This year, financial trends are getting a high-tech upgrade. We’re talking AI-powered everything, thematic investing (because apparently, our stocks need a niche now), and the latest money moves that could make—or break—your wallet. Will AI finally fix our finances, or is it just another way to justify buying more stuff online? Let’s get into it.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Till Debt Do Us Part: Managing Joint Finances

Tue, 04 Feb 2025 13:00:00 +0000

In this episode of Millennial Money Matters, Kelly and Derek explore the challenges and rewards of merging finances with a partner. They discuss whether to combine bank accounts, how to handle debt as a team, and ways to set joint financial goals without sacrificing independence. With practical tips and real-life insights, Kelly and Derek help couples navigate the tricky terrain of love and money. If you’re preparing to share your life—and your wallet—with someone, this episode is a must-listen!

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Stocks, Stocks, Stocks, Everybody!

Tue, 21 Jan 2025 13:00:00 +0000

In this episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella tackle the topic that excites and terrifies millennials: investing. From decoding stocks and bonds to understanding dividends and navigating the world of mutual funds, they break down the basics with humor and relatable analogies (yes, Monopoly is mentioned). Whether you're a seasoned investor or still figuring out how to spell "ETF," this episode will leave you smarter, entertained, and maybe even ready to dive into your first investment.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Dear Sallie Mae, It's Not Me, It's You

Tue, 07 Jan 2025 13:00:00 +0000

In this episode of Millennial Money Matters, hosts Kelly and Derek take a deep dive into the millennial experience with student loans. They discuss how student debt has shaped an entire generation’s financial choices and explore practical strategies for managing it. From understanding repayment plans and forgiveness programs to sharing tips for tackling debt while still enjoying life, this episode is all about finding a balance. If you take one thing away from this episode, let it be this: you can’t put a price on knowledge, but apparently, someone did, and it’s called student loans. Tune in for a candid, informative conversation about one of millennials’ biggest challenges.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

What do you Meme...Stocks?

Tue, 17 Dec 2024 13:00:00 +0000

In this episode of Millennial Money Matters, Kelly and Derek dive into the wild world of meme stocks, where internet culture meets Wall Street. From GameStop to AMC, they explore how these stocks became viral sensations and what it means for millennial investors. Is it a revolution in the making, or just a risky game? Join Kelly and Derek as they unpack the hype, discuss the potential rewards and pitfalls, and share tips on navigating the meme stock craze responsibly. Whether you’re already in the game or just curious, this episode will give you the lowdown on this unique trend.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

The One Where We Lock It or Lose It-Interest rates are full of drama

Tue, 03 Dec 2024 13:00:00 +0000

Strap in, millennials—mortgage rates are constantly changing and full of drama! This week, Kelly and Derek break down everything you need to know about interest rates and how they’re actually calculated. They’ll spill the tea on why rates aren’t a one-size-fits-all, why everyone’s “special rate” varies, and how you can prep to lock in the best deal. Whether you’re a first-time buyer or just looking to up your mortgage game, get ready for an episode full of tips, laughs, and a whole lot of financial enlightenment!

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

All The Election Things

Tue, 19 Nov 2024 13:00:00 +0000

We have a newish president in office, again. With Donald Trump winning his second non-consecutive term, Kelly and Derek delve into what that means for our wallets. On this episode of Millennial Money Matters, we guide you through Donald Trump's economic policies and how they will impact the stock market, the bond market, future tax rates and we even discuss a hot new Google search item: Tariffs. Check out the episode to see how you may be potentially impacted by Trump's economic policies.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Hosted on Ausha. See ausha.co/privacy-policy for more information.

TikTok Challenge- House Hack

Tue, 05 Nov 2024 13:00:00 +0000

On this episode of Millennial Money Matters, Kelly and Derek tackle the trending topic of house hacking, as seen on TikTok. With social media buzzing about how millennials can turn their homes into income-generating assets, they break down the concept, discussing what house hacking really means, the potential benefits, and the risks involved. Whether you're considering renting out part of your home or diving into the world of real estate investment, Kelly and Derek will guide you through the do’s and don’ts of house hacking, helping you decide if it’s the right move for your financial future. Tune in to get the real scoop on this TikTok trend!

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Bed Bath & Beyond, Home Depot and 401ks: There is Still Time

Tue, 22 Oct 2024 12:00:00 +0000

401ks are the top retirement account out there. Millennials every day make contributions to a plan they barely understand. In this episode of Millennial Money Matters, we delve into the mysterious world of 401k plans. We discuss the three main decisions you make with 401k plans, how target date fund works, 401k rules and many more. If you have many questions about 401k plans, this episode is for you.

Hosted on Ausha. See ausha.co/privacy-policy for more information.

How I Met My Mortgage: Millennial Mortgage Challenges

Tue, 08 Oct 2024 12:00:00 +0000

In this episode of Millennial Money Matters, Kelly and Derek dive into the world of mortgages, focusing on the unique challenges millennials face in today’s housing market. From navigating the post-pandemic economy to juggling life with kids, they explore how these factors shape the home-buying experience. Whether you're a first-time homebuyer or just curious about how your peers are managing, tune in as Kelly and Derek share personal stories, practical advice, and expert insights to help you understand what it really takes to secure a mortgage in 2024.

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Swipe Right On Retirement: What You Can Do Now

Tue, 24 Sep 2024 12:00:00 +0000

What does a champagne tower have to do with retirement? In this episode, Kelly and Derek break down the current state of retirement for Millennials. We discuss, what to do with an old 401k plan, social security, getting the basics done first, retirement income planning and more. Get ready to level up your financial game, secure your future, and design the retirement of your dreams. Remember, it's never too early (or too late) to start planning for your retirement.

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Avocado Toast vs. Savings: Debunking Millennial Money Myths

Mon, 16 Sep 2024 12:00:00 +0000

Welcome to the first episode of Millennial Money Matters! We're diving into the unique financial landscape that defines our generation. From the 2008 mortgage crisis and the Great Recession to the impact of COVID-19, we'll explore how these events have shaped our money habits.

In this episode, we'll discuss the long-term effects of economic turmoil on millennial finances, managing student loans and housing costs, and balancing side hustles and digital wallets. We'll also share practical tips for saving and investing.

Join us as we tackle the realities of millennial money relationships with practical advice and a dash of humor. It's time to take control of your financial future!

Hosted on Ausha. See ausha.co/privacy-policy for more information.