Millennial Money Matters

Most people calculate their mortgage payment and think that's the number. It's not even close. Derek and Kelly break down every cost of homeownership that nobody warned you about — from the obvious stuff like utilities and lawn care, to the things that will blindside you at 10pm on a Sunday night. Kelly shares her two basement flooding stories (yes, two), Derek explains the 1% maintenance rule (and why it's probably wrong), and they go through 38 responses from real homeowners on the hidden costs that surprised them most. Topics covered: The actual cost of utilities (heating, water, trash — yes, trash)Regular maintenance: lawn care, snow removal, dryer vents, septic pumping, radon systems The "OOP fund" — the stuff you budget for vs. the stuff that just breaks How property taxes and homeowner's insurance quietly creep up every year Ice dams: what they are and why you can't predict them Why the mortgage pre-approval number and what you should actually spend are two very different things If you're buying a home soon, already own one, or just want to know what you're getting into — this one's for you. ⏱️ TIMESTAMPS 0:00 – Intro / It's raining (again)01:00 – Why the cost of homeownership conversation matters 03:00 – The 1% maintenance rule (and why $8,800/year is more accurate) 07:40 – Two cost buckets: expected maintenance vs. the unexpected 09:00 – Transitioning from renting to owning — the size shock 11:00 – Utilities deep dive: heating, water, electricity 16:20 – Cable/internet trap ($383/month to Starlink story) 19:15 – Regular home maintenance: lawn, snow removal, landscaping 24:15 – Annualized costs: septic, furnace, radon, HVAC 28:30 – The "OOP fund" — what breaks and what it actually costs 33:55 – Community responses: 38 hidden costs people didn't see coming 37:00 – Trees, wildlife, dryer vents, faucets (seriously, faucets) 41:30 – Property taxes and homeowner's insurance: why they always go up 43:15 – Ice dams explained 44:30 – Closing thoughts: eyes wide openReach out to Kelly Turner at [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

Is the S&P 500 all it's cracked up to be? Derek and Kelly break down everything you actually need to know about the most popular investment on the planet — what it is, why everyone recommends it, and why "just buy the S&P 500" isn't the complete answer. They cover how the index actually works (spoiler: it's not an equal split of 500 companies), why passive investing changed the game, the "Lost Decade" that nobody talks about, and the tax stuff that quietly eats your returns if you're not paying attention. Plus — fractional shares, the real barrier to entry for new investors, and why leaving money in cash inside your retirement account is a mistake more people make than you'd think. This is the episode for anyone who's Googled "where should I invest my money" and gotten the same three-word answer every time. Key Topics Covered: What the S&P 500 actually is (and why "Standard and Poor's" is a terrible name for something you want your money in) Market cap weighting — why 10 companies now control 35-40% of the index The Lost Decade: 2000-2010, when the S&P went nowhere for 10 years Active vs. passive management — and the real odds of beating the market long-term Tax efficiency of index funds vs. mutual funds Why "diversified" and "S&P 500 only" aren't the same thing anymore Fractional shares and how you can build a real portfolio with $100 The costly mistake of funding a retirement account and forgetting to actually invest it ⏱️ Timestamps 0:00 Intro — March Madness and Little League season 03:11 What is the S&P 500? 04:07 How companies enter and exit the index 04:5 4Market cap weighting explained 05:34 Why not just put everything in the S&P? 05:56 The Vanguard philosophy and passive investing 07:07 Index funds vs. individual stocks for new investors 07:45 The Rule of 72 09:57 The Lost Decade (2000–2010) 10:55 Active vs. passive management — the odds 12:45 Tax efficiency: index funds vs. mutual funds 14:31 Kelly's takeaway: investing and taxes are more connected than you think 16:06 Tax loss harvesting and why one fund limits your options 17:08 The "dinghy vs. yacht" analogy — when simplicity stops being enough 17:36 Are you actually diversified? The 10-company concentration problem 18:34 The vanilla ice cream vs. vanilla bean problem 19:00 Ice cream and hot chocolate: how real diversification works20:04 Market volatility, behavior, and why the best days follow the worst 22:29 Are we entering a new cycle? International stocks and what's changing 23:24 Making predictions — what we can and can't know 24:08 Diverse portfolio vs. S&P only — what 2008 actually showed 25:00 Derek's advice: the S&P as the core, then build around it 25:30 Starting with $100 — what's actually possible now 28:35 Fractional shares and Gen Z's investing advantage 30:11 The cover charge on old mutual funds — why it used to be so much harder 31:07 The passbook savings account era 31:29 Common mistake: having a retirement account but not investing it 33:25 Final takeaway: S&P 500 is great — it just shouldn't be your only thing Reach out to Kelly Turner at [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

The Connecticut housing market is chaotic right now and that's not necessarily a bad thing, depending on which side of the fence you're on. Jonathan Archer, our most listened-to guest and a Connecticut real estate agent, is back for round two.We cover the current state of the market, what's driving mortgage rate volatility, and what buyers and sellers actually need to know heading into the spring of 2026. We get into rent vs. buying (spoiler: renting is still more expensive per square foot than owning in most of CT), the CHFA Time to Own program for first-time buyers, VA loan changes, the NAR settlement and what it means for buyers and agents, and why the relationships between your agent, lender, and attorney matter more than ever right now. Plus — rates were approaching the high fives and then shot up almost overnight. We explain why, what's behind it, and why waiting for the "perfect rate" could actually cost you more. If you're thinking about buying, selling, or renting in Connecticut, this one's for you.Reach Jonathan Archer: https://www.margaretwilcoxteam.com/agent-profile/Jonathan-Archer-117129386⏱️ TIMESTAMPS 0:00 – Welcome back, Jonathan Archer (the most listened-to episode returns)0:35 – One word to describe the CT housing market: "Chaotic" 1:42 – Why renting costs more per square foot than owning2:13 – COVID's role in the inventory crisis4:20 – CHFA Time to Own: $25K forgivable loan for first-time buyers5:30 – VA loan changes and the old appraisal stigma6:51 – What we're no longer seeing: cash offers, waived inspections8:11 – Spring 2026 market: more inventory, but buyers are pausing9:25 – West Hartford vs. Glastonbury: two very different stories14:40 – The NAR settlement explained: what changed for buyers and agents17:22 – Why your agent's reputation can win (or lose) a deal21:00 – How to interview a buyer's agent in today's market24:47 – Tariffs, war, and market volatility: what changed in March 2026 26:59 – Mortgage rates: how we went from almost-5% to 6.75% overnight29:52 – "Marry the house, date the rate" does that still hold up?32:31 – Focus on the monthly payment, not the sticker price33:00 – Connecticut mill rates and property taxes: the hidden cost no one talks about35:00 – Advice for buyers right now: don't get attached, don't rush36:10 – Trust your team: the real cost of not listening to your professionals38:09 – AI and real estate: why ChatGPT gave bad CT market data (and why Claude is different)41:08 – Spring market is here — why you need to start the process NOWReach out to Kelly Turner at [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 onlineRoyal Caribbean vs. Norwegian vs. Virgin — who wins for which travelerThe truth about the cruise drink package (the math might surprise you)Group cruise rates and what perks you actually unlockShoulder season travel and when Caribbean deals actually happenPrivate islands like Perfect Day at CocoCay — hype or worth it?Kids clubs, family cruising, and tips for traveling with childrenTravel hacks: carry-on packing, passport tips, and arriving a day earlyRiver cruises, Alaska itineraries, and exotic destinations for the bucket listWant to reach Pam? Here is her website: https://pamroc.cruisebrothers.com/cb/Reach out to Kelly Turner at [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 paycheckHow to talk to your partner about money without it turning into a fightWhat 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 sayReal 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.🔔 Subscribe so you don't miss the next one.Reach out to Kelly Turner at [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected], Kelly Turner at [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 areWhat a new Fed Chair means (and what it doesn’t)The difference between Fed rate cuts and mortgage ratesWhy savings accounts and credit cards react faster than mortgagesQuantitative easing explained in plain EnglishDovish vs. hawkish policy and why it mattersThe tension between inflation and unemploymentWhy groceries feel more expensive even when inflation is “down”How political volatility impacts markets and lending behaviorWhat millennials should actually pay attention to over the next 6–12 monthsIf 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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 comebackThe return of early-2000s culture and what it says about today’s economyHousing market realities: inventory shortages, rates, and buyer expectationsWhy a housing crash is unlikely despite online predictionsGovernment policy changes and how they affect mortgage ratesWhy lower rates could actually push home prices higherThe divide between the top 20% and bottom 80% of the economyInflation fatigue, rising everyday costs, and the search for stabilityWhy millennials are shifting away from risky financial hacksHow to think about savings, investing, and diversification in uncertain timesRather 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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 criticalHow buyers really evaluate price vs. terms vs. conditionsWhy for-sale-by-owner transactions often go wrongHow emotions and pride can sabotage negotiationsWhat sellers need to know about inspections, deposits, and contingenciesWhy not all offers are equal—even if the price is higherThe importance of experienced agents, lenders, and relationshipsHow staging, photography, and timing impact final sale priceCommon contract pitfalls that can cost sellers moneyWhether 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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 proxyHow to choose the right executor and guardian for your childrenWhat probate really is — and why you shouldn’t fear itThe difference between revocable and irrevocable trustsWhy every business owner needs an LLC and operating agreementWhen to update your estate plan and how often to review itThe dangers of outdated beneficiaries on retirement accounts and life insuranceHow to protect your home and assets from long-term care costsCommon mistakes that tear families apart after a deathWhy open communication about money and inheritance is the best legacy you can leaveWhether 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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 2024Why materials like composite decking have skyrocketed in priceCommon home maintenance myths that cost homeowners thousandsHow to know when it’s time to replace your roof or windowsWhy “two layers of shingles” could void your warrantyThe difference between replacement and new construction windowsHow COVID and tariffs permanently changed construction pricingPopular home design trends: farmhouse exteriors, composite decks, and black windowsThe truth about “value-adding” projects vs. required maintenanceHow to vet contractors using the Connecticut judicial and consumer protection websitesWhether 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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 bubblesWhy big companies (not startups) are driving this boomHow AI investments compare to Pets.com and the dot-com eraWhat makes NVIDIA the new “picks and shovels” of the AI gold rushThe risks of overvalued tech stocks and circular spendingHow to invest in AI without losing your shirtData collection, privacy, and why “you are the product”The future of AI tools in daily life, from self-driving cars to chatbotsWhy diversification still matters in a hype-driven marketWhether 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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 The 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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] out to Kelly Turner at [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 m860.713.9000The Margaret Wilcox Team William Raveis Real EstateLicensed in the State of CTReach out to Kelly Turner at [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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 [email protected] and Derek Mazzarella at [email protected] on Ausha. See ausha.co/privacy-policy for more information.

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.

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.

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.

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.

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.