Mommy Money Matters
by Alma Espericueta
Mommy Money Matters is for all the mommas out there making it happen with what they've got! Money is like oxygen, we need it to survive. I'll be open and transparent as I share my personal life as a momma of five. The ups and downs we went through because I didn't clearly understand that money matters!! I'll dive into the "if I knew then, what I know now" topic. I'm hoping to inspire new moms and all moms out there on the do's and don'ts when it comes to money.
Episodes
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Inspect What You Expect
Are you the type of person who puts something in place and then forgets about it? For example, you opened an IRA at the bank and haven’t bothered to check on it or its performance? Do you even open your statements? This is where I recommend for you to inspect what you expect! We get busy with…
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PSA: Fraud Alert!!! Stay vigilant
This episode is mainly to inform you, the consumer, to be very cautious when disclosing personal information over the phone. Not only are we dealing with identity fraud, credit card fraud, bank account fraud, but NOW retirement account fraud. This episode is short, sweet and to the point. Here…
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Don’t Go By Hearsay: Educate Yourself!
The way SM is right now, anyone can get on and say ANYTHING they want!! As consumers of this content we tend to believe these individuals. It doesn’t matter whether it’s factual or not, we believe it to be true. If you’ve been on SM you know what I’m talking about. Here’s the thing, not all of is...
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College Drop Out: Not By Choice
This episode is a bit different but all about weighing your options and doing your due diligence. As I meet with my clients, the young ones come to me for my personal recommendations regarding their future and their potential careers. I have had a lot of experience in that area personally but I...
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Don’t Let It Be Too Late: It Matters!
Join me on this episode, as I share some stories of old and new clients regarding life insurance for their children. Coming from a mother of five and a grandmother as well, for me personally, it is highly imperative that we protect our children with life insurance. Why is that? Because we are...
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Back To Basics- Learning The Differences
This episode is focused on going back and re-learning the difference between life insurance products and finding out which one is better suited for your family’s needs. Very often I get asked, “Why should I have more than one product in place?” My response, “That’s a great question.” Because it...
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It’s Hard To Say Goodbye
Having a loved pass is one of the toughest experiences of life we have to deal with. Let alone needing to find the place to handle all the burial services and with this comes the expenses. How many know the costs involved? Have you done your research? Here, in the state of California on average…
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A Simple Term Will Do
Are you one of those individuals who say new year new goals? If so, where are you as of right now when it comes to those goals? If you decided that you were going to handle your finances a little bit differently this year then you’re in the right place. There’s quite a lot to do when it comes to...
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Happy 2024 Mommas!!! Don’t want a repeat of 2023? Listen to this!!
How did 2023 turn out for you? Was it what you expected or could you have done better? In this episode we talk about how we can change 2024 if 2023 was not what you had expected. Of course the number one point and key in every episode is to discuss money matters. My focus this year is to bring…
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How do we talk to our children about a loved one passing?
Losing a loved one is never easy, and it can be especially difficult to talk to children about death. However, it's important to have an open and honest conversation with your kids about someone passing away. Personally speaking, this subject was taboo in our home. As children we don’t know nor...
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Practice What You Preach!
As a financial coach and licensed professional, my number one priority is to make sure the family I sit down with clearly understands the importance of protecting their families and themselves with life insurance. We are living in tough times. According to the CDC we have a higher number of…
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Don’t Leave It To Chance:Anything can happen at any moment in time.
As we wrap up September and Life Insurance Awareness Month, I want to close with this episode. So listen carefully and act accordingly. It can save you and your family financial struggles. It saved my family in 2020. Don’t think it won’t or can’t happen to you because it does happen sooner or...
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Life Insurance Matters: You’ll Need It When You Least Expect It
Why is it so taboo to talk about death in our community? As a mother let me tell you why, it’s the last thing I want to think about. I want to only focus on the life I want to spend with my children and family. But life doesn’t necessarily happen this way. Which is why I say, “be proactive…
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You don’t know, what you don’t know
When it comes to selecting your retirement plans, whether it be through your employer or another financial institution, how much do you really know about what you’re doing? Exactly!!! The majority of the time the average middle income individual doesn’t know what they’re doing nor do they...
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Have you heard the news on Long Term Care yet? Are you ready for it?
Nineteen states, including California, New York, Pennsylvania, Illinois, Michigan, and Minnesota, are considering following Washington's lead in taxing those who do not own Long-Term Care Insurance. Is this something you’re ready for? I’m guessing the answer is no. Because I sure am not. As a...
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Retire a Millionaire? As if!!! - We don’t know what we don’t know
Hello everyone! We’re back!!! We have a lot of information to share with everyone. We might take a break here and there but one thing for sure. We aren’t going anywhere. With that being said, let’s address the elephant in the room. This social media talk about becoming or retiring a millionaire.…
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What are some strategies and tips for young investors who are just getting started?
The title of this episode was actually a question from one of my followers on Social Media. So I decided on turning it into a podcast episode to reach the masses. In this episode I share five tips on what I personally recommend when getting started with investing. Please keep in mind these are…
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Have you heard the news? Listen up!
This episode is focused on giving you information regarding what to do when it comes to your money matters. We’re specially, addressing the elephant in the room, which is the insolvency of banks. What to do and how to go about in protecting your money. First things first, do not panic. As you...
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Annual Financial Reviews: Why are they important? And what’s the benefit?
An annual financial review gives you a chance to evaluate your financial position. Many changes can affect your investments during the course of a year. It's important to monitor your retirement and investment accounts regularly and make adjustments annually to stay on track. Your asset…
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Spring Clean Your Finances: Always inspect what you expect.
As I was getting ready to select a topic for this episode, I was in the process of performing annual reviews with my clients, who were asking questions in regards to everything in their financial house. Which led me to this episode. I will be addressing a little bit about everything when it comes...
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Recession & Retirement: What can you do during these trying times?
This episode is short, sweet, and to the point. There’s been a lot of talk about us entering a recession. You may or may not how this can affect you and your pocket. But in all honesty those who have been working for 25+ years are who feel it most and are affected the most. Listen in and find out...
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Shape Up Your Finances: Get Financially Fit in 2023!
What better way to start off the New Year then with a financial plan in place to help reach your money goals. Before giving you any insight on what this episode is about, let me ask you a question, “if the next five years are like the last five years financially, would you be OK with it?” If the...
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Starting off the year right! Where should you start and what should you consider? Lets dive in!!
Happy New Year Everyone!!! Welcome to a NEW season of Mommy Money Matters this 2023!! We have lots of information of value to help assist in your money matters this year! Lets get started. Ever wonder how people stay focused throughout the year? What do they do differently? I use to wonder the…
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Holiday $hopping Tips: It’s that time again! Are you ready to get out there with holiday cheer?
This episode is all about the different things we do in our home during the holiday season. Do you love gift giving or are you more of a grinch during the holidays? Gift giving has always been my thing but with a growing family it can get a bit challenging. In this episode I talk about the...
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Financial Planning: 7 Key Steps to help guide you towards your goals and objectives for 2023. Ready?
As promised on my last episode. October is National Financial Planning Month. So what does it really mean? Listen in and you’ll have insight on the seven key steps I utilize not only in my financial house but also with my clients. What better way to get ahead then to start strategizing for 2023...
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What happened to September? Care to find out? Listen in! Story time about why what I do matters.
As most know, September is Life Insurance Awareness Month and I take this very serious for many reasons. As you listen in you’ll understand why. I know that talking about death or dying is a conversation most families don’t want to have in the home. It’s almost taboo. The reality is death is...
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Mindful Spending: Cheap vs. Frugal. What do your spending habits look like? Don’t know? Find out!
We have entered the recession period that everyone was concerned about. So, how will you be taking action in your financial house? Are you ready for what can potentially happen or how it can impact your family? There were quite a few tips I shared in the last episode. If you didn’t get a chance…
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Financial Tips During A Recession: Four Must Do’s To Stay Ahead
The recession news has a lot of people wondering how it will affect or impact their homes. First and foremost, we address what is a recession and what does it mean overall. This episode will go over four key factors to help you out. As a money coach I know that throughout the years I continue to...
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Investing For Kids And Their Future: It’s time to start growing your money! A savings acct is not it
Have you been considering putting money away for college for your children? Are you confused as to which type of investment plan is better suited for your child and their needs in the future? I know that feeling all too well. This was the exact feeling I had back in the mid 90s with my kiddos. I...
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$pending Money Hacks: Make small changes in your financial house to help improve money management.
There’s a lot of uncertainty when it comes to the economy right now. We all understand inflation and we hear a possible recession coming. So how can we prepare for the unknown? There are a few money hacks that I have incorporated in my financial house to help outpace inflation. It’s as simple as...
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Answers to Social Media Comments: The comment section is very interesting to say the least. Join us!
Social media can be a rather interesting place. Don’t you agree? The past few weeks I’ve posted a couple of reels on different topics when it comes to financial services. One of them involved securing your financial future and the other one had to do with protecting your life for your family....
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Building A Strong Financial Foundation: What four areas to consider when starting to build?
This episode is mainly focused on helping you build a solid and strong financial foundation. The main area will be on your financial house: the good, the bad and the ugly. There are four areas we cover: Debt, Emergency Funds, Retirement, Proper Protection/LTC/Disability. As you all know the...
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Run the numbers! When making money moves does it make sense? Or are you just hoping for the best?
Are you want to make decisions based on emotions and not think it through? This takes me back to my mid-20s when I was working for a call center and I was encountering challenges. My boss would always tell me, “remember think with your head and not with your heart.” I always wondered why but now…
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Millennials And Money: The struggle to becoming self sufficient in this economy. Can they make it?
This episode covers the trials and tribulations millennials are facing when it comes to becoming independent in today’s economy. As parents we want our young adults to thrive on their own and be able to lead the lifestyle they choose to. Unfortunately, here in the state of California the struggle...
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Did you know April, is financial literacy month? Join us and listen to our $ tips full of value!!!
April is here and Spring has sprung! As you already know around this time most homes get a spring cleaning. So why not do the same with our financial house? This is the perfect time to review the last three months (1st quarter) of the year. Remember those new year money resolutions? How are they...
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Side hustle!! What?? : The focus is to think outside of the box when it comes to money!! Listen in.
Good day everyone! I’ve been thinking about all of the episodes I’ve recorded thus far and it dawned on me that I’ve been giving you value and recommendations on WHAT to do when it comes to your finances. What I haven’t talked about is the HOW to, which is extremely important! Although the…
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Pay It Down Mommas: Feeling as if there’s no end to your debt? Then this is for you! Join us!
Do you like listening to stories? Well, you’re in the right place. In previous episodes we’ve touched on debt here and there. But this time I wanted to do things differently. I work mainly with mommas and their finances. I am enjoying watching them reach their financial resolutions. It’s amazing…
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Money Move Perspective for 2022: What you should consider when making any money moves in 2022!!
This episode is all about making money moves that are in alignment with your financial resolutions for 2022. If you remember or actually just go back and listen to the last episode. The focus being the new year and all, was financial resolutions and taking action. This episode is all about the...
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Financial Resolutions For 2022! Have you ever started the new year excited about your upcoming year?
We all make decisions for the new year don’t we? But what tends to happen 3 months down the road? Let me answer that, we tend to forget about it or simply give up on them. I talk about resolutions and goals, but what’s the difference? Let me tell you. A resolution is a firm decision and a goal is...
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Holiday $hopping Tip$ for those who started their shopping spree with Black Friday and continuing!
Holiday shopping can be exciting or dreadful depending on who you ask. Listen in as I go over a few tips on how to make this year more about "it's the thought that counts" and truly attaching sentimental value to your gifts. Your loved ones will be delighted! Personally, I apply all those tips…
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What's the difference between a financial advisor and a financial professional? Lets find out!
Since I constantly get asked about the difference between a financial advisor and a financial professional is, I figured I'd give you the main points. In this episode I'll share with you what a financial professional can and can't do but also what a financial advisor sometimes is completely…
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Money management starts at home. It's time to change how we see money in our homes. Mindset matters!
When I started this journey in financial services never did I imagine the impact it would have on me and my family. I knew then that Financial Literacy was extremely important but was besides myself as to why we weren't being taught this in school. I clearly remember my 26 year old starting…
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Is your money working for you? Or are you working for your money?
This episode is about position yourself with financial peace of mind in your future! This message is for everyone! I see financial struggles in my clients too often. I want that to change moving forward. How you ask? Well, I'll discuss what are key action steps to take so that individuals are in...
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Life Insurance Matters! Why? Because your life matters! Take care of you for your loved ones.
In this episode I'll go over different scenarios of what happens when we don't put things in place. As well as what not to do with your life insurance once it is in force. The year 2020 took a toll on all of us and because of so many losses there was fear in families across the country.…
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Fixing your credit? The do's and don'ts about taking matters into your own hands. Lets go!
Are you feeling stuck when it comes to your credit and credit score? Wondering why you're being turned down? Not enough credit? No credit? How can you go about fixing the problem? In this episode I give you certain areas to focus on and recommend a book with additional information. It's a very...
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Building good money habits through 3 simple concepts: spending, saving and investing. Interested?
Recently I have been talking to quite a few potential clients and the number one comment they make is, "I really want to buy my own home but I just can seem to figure out how to save for it? I watch my spending and can't figure out where the hole is." What I recommend is their personal financial...
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Money matters in every family, whether you're in this country or any other country. It's our oxygen!
I have come to realize how important money really is in every day living. Without money there's not much we can do! Very often I hear people say money isn't everything but that's because they don't have any! In all honesty, money is everything! It helps pay for a roof over your head, put food on...
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Let's talk about Debt baby!! Let's talk about you and me. Let's talk about it! Needing help with it?
Did you know that the average credit card balance in the United States is more than $6,000? Us, as consumers tend to buy things we don't need with money we don't have! To be honest the lack of financial education should be a national emergency! We are creating a society doomed to fail when it…
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Money Rules...what are they? Have you established any for your financial house? If not, listen up!
I don't know about you, but I sure hadn't set any money rules for most of my adult life. But man do I wish I had. It's never too late which is why I'm sharing these with you. If you want to avoid holes in your financial house then follow along. If this is hitting you precisely when you're needing...
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Did you know there are three enemies to your money? You probably guessed taxes as one of them. Yes!
There are 3 main enemies to your money! Do you know what those are? Take a wild guess! Here we go! From least (#3) to high (#1) in the level of importance. 1-Procrastination 2-Taxes 3-Inflation. Lets focus on #3, inflation. Inflation simply means that the price of something will always rise over...
About this show
Mommy Money Matters is for all the mommas out there making it happen with what they've got! Money is like oxygen, we need it to survive. I'll be open and transparent as I share my personal life as a momma of five. The ups and downs we went through because I didn't clearly understand that money matters!! I'll dive into the "if I knew then, what I know now" topic. I'm hoping to inspire new moms and all moms out there on the do's and don'ts when it comes to money.
Hosted by
Alma Espericueta