realtors

#346 The Road to Black Monday, the Worst Day in Wall Street History with Diana Henriques

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Yes, this is still here, and it will be for a while to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 21 Download Hour One Here

Imagine this...you're in your 30s and a parent and grandparent just recently passed away.  One is bad enough, but  two losses seems unbearable. Now imagine that in the mourning process, you inherit over two million dollars! That's what happened to Jessica, our first caller this week. And as if she needs more to juggle, you can throw in the fact that Jessica is pregnant with her second child and she and her husband are selling their house and getting ready to move to another state.  It's a ton to process, hence the call to us.  Thankfully, Jessica has a good head on her shoulders.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 21 Download Hour Two Here

Ask some Wall Street veterans where they were on October 19, 1987 and they will likely regale you with details of any crisis. My life changed that day in ways that often creep up on me. Indeed, Black Monday was the single worst day in Wall Street history, with the Dow Jones Industrial Average plunging by more than 22 percent in one session--that’s the equivalent of the blue chip index diving by more than 5,000 points today.

It was a “First Class Catastrophe”, according to our first class guest and storyteller supreme, Diana Henriques, who dropped by the studio to help us retrace the events that led up to that day.

Diana joined us on the show earlier this year when her book, The Wizard of Lies: Bernie Madoff and the Death of Trust, was made into an HBO movie. This time around Diana is joining us to discuss her latest book, A First-Class Catastrophe: The Road to Black Monday, the Worst Day in Wall Street History.  As Diana recounts, Black Monday was more than seven years in the making and threatened nearly every U.S. financial institution.

There were missed opportunities, market delusions, and destructive actions that stretched from the “silver crisis” of 1980 to turf battles in Washington and a rivalry between the New York Stock Exchange and the Chicago Mercantile Exchange.

Here’s the crazy thing...you’d think that after Black Monday, lessons would be learned. But in her analysis, Henriques demonstrates how that Monday in the fall of 1987 was the predicate to the financial crisis of 2008. Sadly, investors, regulators, and bankers failed to heed the lessons of 1987, even as the same patterns resurfaced.

This was a fascinating interview for me because I lived through this period. I had just started my career on Wall Street, as the chaos was unfolding. I watched firsthand as my father nearly lost his business.  This chat was like going down memory lane and it’ll give you guys a good glimpse of the life I used to live before I started hosting podcasts and radio shows!

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

Ep. 042 - The Road to Black Monday, the Worst Day in Wall Street History with Diana Henriques

Ask some Wall Street veterans where they were on October 19, 1987 and they will likely regale you with details of any crisis. My life changed that day in ways that often creep up on me.

Ask some Wall Street veterans where they were on October 19, 1987 and they will likely regale you with details of any crisis. My life changed that day in ways that often creep up on me. Indeed, Black Monday was the single worst day in Wall Street history, with the Dow Jones Industrial Average plunging by more than 22 percent in one session--that’s the equivalent of the blue chip index diving by more than 5,000 points today.

It was a “First Class Catastrophe”, according to our first class guest and storyteller supreme, Diana Henriques, who dropped by the studio to help us retrace the events that led up to that day.

Diana joined us on the podcast earlier this year when her book, The Wizard of Lies: Bernie Madoff and the Death of Trust, was made into an HBO movie. This time around Diana is joining us to discuss her latest book, A First-Class Catastrophe: The Road to Black Monday, the Worst Day in Wall Street History. As Diana recounts, Black Monday was more than seven years in the making and threatened nearly every U.S. financial institution.

There were missed opportunities, market delusions, and destructive actions that stretched from the “silver crisis” of 1980 to turf battles in Washington and a rivalry between the New York Stock Exchange and the Chicago Mercantile Exchange.

Here’s the crazy thing...you’d think that after Black Monday, lessons would be learned. But in her analysis, Henriques demonstrates how that Monday in the fall of 1987 was the predicate to the financial crisis of 2008. Sadly, investors, regulators, and bankers failed to heed the lessons of 1987, even as the same patterns resurfaced.

This was a fascinating interview for me because I lived through this period. I had just started my career on Wall Street, as the chaos was unfolding. I watched firsthand as my father nearly lost his business. This chat was like going down memory lane and it’ll give you guys a good glimpse of the life I used to live before I started hosting podcasts and radio shows!

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

We love feedback so please subscribe and leave us a rating or review in iTunes!

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

#345 How Wall Street Destroyed Main Street with Rana Foroohar

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Yes, this is still here, and it will be for a while to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 14 Download Hour One Here

Maybe I'm stating the obvious here, but life doesn't always unfold the way we want or think it will.  Things come up, and more often than not it's health related, just like with our first caller this week, Daniel from Atlanta. Daniel, a federal employee, was rolling right along until he was diagnosed with Parkinson's and eventually had to retire.  Now he's tasked with making his money last a lot longer than he was anticipating and wants to make sure his asset allocation is in good shape.  Here's a tease: it wasn't!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 14 Download Hour Two Here

We recently covered why Wall Street matters, on the show featuring Bill Cohan.

In hour two we’re doing a 180 with financial journalist and author Rana Foroohar. Rana’s book, "Maker and Takers: How Wall Street Destroyed Main Street", doesn’t exactly paint our economic system in the best light.

Rana explores how the misguided financial practices and philosophies that nearly toppled the global financial system have infiltrated many US businesses and discusses how the “financialization of America,” the trend by which finance and its way of thinking have come to reign supreme, is perpetuating Wall Street’s reign over Main Street. The ultimate result? A widening of the gap between rich and poor, which Rana argues, threatens the future of the American Dream. It's not all doom and gloom, because Rana lays out how we can reverse these trends and find a better path forward.

And since it’s not everyday that we have a Financial Times columnist in the studio, we also talked a good bit about the global economy, including Germany, Brexit, and China.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

Ep. 041 - The Equifax Data Breach with Credit Expert John Ulzheimer

How many of you were impacted by the recent Equifax data breach? I was, Mark was, and considering 145.5 million other Americans were impacted, I'm going to guess that includes many of you too. Now that the news is out, heads have rolled (CEO Richard Smith has stepped down), Congressional hearings have taken place, where do things stand?

How many of you were impacted by the recent Equifax data breach? I was, Mark was, and considering 145.5 million other Americans were impacted, I’m going to guess that includes many of you too.

Now that the news is out, heads have rolled (CEO Richard Smith has stepped down), Congressional hearings have taken place, where do things stand? More importantly, what should you do? Who should you trust?

In times like these, there’s one go-to person: John Ulzheimer, the foremost authority on anything involving credit scores, credit reports, breaches, etc. John is so good that we did this interview on the phone!

Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 270 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit.

We’re going to get into all the dos and don’ts with John, but so you also have the vitals to reference, here are the main takeaways:

  • Contact one (under Federal law, each is obligated to notify the other two) of the three credit bureaus Equifax (800-766-0008), Experian (888-397-3742) and TransUnion (800-680-7289) to put a free fraud alert on your credit report. You should also contact a fourth, lesser known company Innovis. The alert makes it harder for an identity thief to open more accounts in your name, but experts note that alerts usually just slow down the process of criminals opening accounts in your name, they don’t prevent it.
  • If someone has used your information to make purchases or open accounts, file a complaint with the Federal Trade Commission and print your Identity Theft Affidavit. Use that to file a police report and create your Identity Theft Report.
  • Place a credit-freeze on your credit file, which generally stops all access to your credit report. Unfortunately, you need to contact all the companies to freeze your file. Here are the links: Equifax; Experian; TransUnion and Innovis. Important note about a freeze: If you need to access credit, you have to unfreeze your records, which can take a few days. Some states charge a fee for placing or removing a credit freeze, but it’s free to place or remove a fraud alert.

I’m not trying to freak you out or make you even more paranoid, but the reality of the situation is not if your information will be compromised, but when.

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

We love feedback so please subscribe and leave us a rating or review in iTunes!

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

#344 Weapons of Math Destruction with Cathy O’Neil

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Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 7 Download Hour One Here

What happens when you're in your 40s, not a millionaire, and already retired? Well, you start to wonder if you retired too early, and that's exactly the case with our first caller this week, Lisa, from Michigan.  A retired cop, Lisa didn't really start socking away money until she was in her 30s...but let me tell you, she must've been cranking the past few years, because she's actually in pretty good shape.  Will she ever have to work another day in her life? You'll have to tune in for the verdict!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 7 Download Hour Two Here

Hour two this week is an example of my geekiness.

I love math and statistics...but I am nothing compared to the brilliant Cathy O’Neil. I have been a fan girl of Cathy’s since discovering her blog, mathbabe.org and then hearing her on the Slate Money podcast. Cathy, whose New York Times bestselling book Weapons of Math Destruction: How Big Data Increases Inequality and Threatens Democracy is now out in paperback, is the ultimate math geek, but more importantly, she is one of the most thoughtful intellectuals that I have encountered.

Cathy’s resume is impressive: a Ph.D. in math from Harvard, a postdoc at the MIT math department, a professor at Barnard College, where she published a number of research papers in arithmetic algebraic geometry and then a short-lived stint on Wall Street, before she launched her consulting firm, ORCAA.

When I heard Cathy explain complicated topics and then read the hardcover edition of the book last year, I knew we had to have her on the show. It’s such a fascinating read about how big data can be manipulated, infiltrate various parts of our lives and magnify the underlying inequality that exists in our economy. From how teachers are measured to how policing strategies are developed to credit scores and health insurance...it’s going to blow your mind when you hear how algorithms (mathematical models), dictate so much of our day-to-day experiences.

But what happens when these models are opaque, unregulated and incontestable? Unfortunately, the already unlucky and struggling among us, get the short end of the stick. What can individuals do about these unproven mathematical equations? As you’ll hear Cathy explain, it starts by asking some basic questions.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

Ep. 040 - The Surprising Power of a "Useless" Liberal Arts Education

So often on this podcast, and on my radio show, we field questions from recent grads with insane amounts of student loan debt. Sometimes it's enough debt to wreck a life. There's enough blame to go around, but so often it's a case of students feeling the pressure to go to fancy, high priced colleges to study what seems like an obscure major.

So often on this podcast, and on my radio show, we field questions from recent grads with insane amounts of student loan debt. Sometimes it’s enough debt to wreck a life.

There’s enough blame to go around, but so often it’s a case of students feeling the pressure to go to fancy, high priced colleges to study what seems like an obscure major. But before you think that I am about to argue that every able-bodied student should be studying for a degree in a STEM (science, technology, engineering, mathematics) field, read on...

Let me pose a question. What is wrong with a well-rounded liberal arts degree? A degree, which I might add, can be earned at countless reasonably priced colleges.

George Anders, our guest this week on Better Off makes a strong case in his recently released book, You Can Do Anything: The Surprising Power of a "Useless" Liberal Arts Education.

You don’t have to be a rocket scientist or know how to write computer code to succeed in today’s work environment.

When you really think about it, it’s amazing how many doors a so called “useless” liberal arts education can open.

As George says, you can be yourself, as an English major, and thrive in sales. You can segue from anthropology into the booming new field of user research; from classics into management consulting, and from philosophy into high-stakes investing. At any stage of your career, you can bring a humanist’s grace to the rapidly evolving high-tech future.

If you’ve got kids starting the college application process, who are resisting calls to declare a STEM major or if you’re thinking about furthering your education by going to grad school, listen to this episode before making any decisions.

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

We love feedback so please subscribe and leave us a rating or review in iTunes!

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

#343 Financial Aid and Student Loans with Kelly Peeler

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Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 30 Download Hour One Here

I love when we get calls from young people who have their financial lives in order.  We started the show with James from Philadelphia who definitely falls into that category.  He and his wife are expecting their second child and they're also looking for a new house.  It's a lot of stuff happening at once and sometimes it can freak people out. James just needed some reassurance and guidance, which was easy to provide because he and his wife are doing a great job!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 30 Download Hour Two Here

One of the goals of this program is to make the daunting seem doable. And there is no more daunting topic than college. From saving for it, selecting the right one and the heavy lifting of paying for it (whether out of pocket or through financial aid and student loans), the whole subject produces anxiety for students and their families.

But it doesn’t have to be that way, according to our guest Kelly Peeler, founder and CEO of NextGenVest, a free text message service to help students navigate the college selection and financial aid and student loan processes.

It’s the busy time of year for Kelly and her team, as October 1 marks the official start of FAFSA season. And that one single form is KEY. Can you believe that more than $2.7 billion dollars, yes billion with a B, of unclaimed financial aid money is left on the table every single year primarily because people don’t fill out the FAFSA form. That blows my mind.

By using NextGenVest, students and their families are connected with Money Mentors who will help coach them through the process and also provide key financial aid deadline reminders, form annotations, and on-demand help via text message to get more financial aid in high school and beyond. Mentors will also answer questions such as:

  • How do I find scholarships I can actually apply to?
  • Am I filling out the right FAFSA forms?
  • Am I allowed to negotiate my college tuition?
  • Is working during college a good idea?
  • Can I still get scholarships even if I don’t have great grades?

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

Ep. 039 - Fifty Inventions That Shaped the Modern Economy with Tim Harford

How many of you rode an elevator today? Or Googled something? Or use index funds in your financial lives? I'm going to guess all of you did at least one of those things. I'm also going to guess that you probably didn't realize that those three things are among the 50 inventions that shaped the modern economy.

How many of you rode an elevator today? Or Googled something? Or use index funds in your financial lives?

I’m going to guess all of you did at least one of those things. I’m also going to guess that you probably didn’t realize that those three things are among the 50 inventions that shaped the modern economy.

That’s according to the list compiled by BBC and Financial Times journalist Tim Harford, our guest this week on Better Off and author of the new book, Fifty Inventions That Shaped the Modern Economy.

The book paints a picture of change by telling fascinating and compelling stories of the tools, people, and ideas that had far-reaching consequences for the global economy. From the plough to air conditioning, from Gillette’s disposable razor to IKEA’s Billy bookcase, Tim is able to recount each invention’s own curious, surprising, and memorable journey.

We also touched on Tim’s previous book, Messy: The Power of Disorder to Transform Our Lives, which comes out in paperback this October. As someone who could be described as a bit compulsive, especially when it comes to my email inbox, I loved this book because it celebrates the benefits of messiness in our lives: why it’s important, why we resist it, and why we should embrace it.

Little did I know that a bit of mess lies at the core of how we innovate, how we achieve, how we reach each other – in short, how we succeed.

I enjoyed this interview so much that, yep, you guessed it, no call this week! I don’t think you’ll mind...this was a fun one.

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

We love feedback so please subscribe and leave us a rating or review in iTunes!

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

#342 Identity Theft Protection with Adam Levin

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Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 23 Download Hour One Here

How would you feel if you had a windfall of nearly a million dollars? Pretty darn good, right? That's what happened to Chris from Arizona.  But when you come into such a large chunk of change there are plenty of other things one must consider.  Namely taxes.  Uncle Sam always wants his cut, and more times than not, it's unavoidable.  But there are some ways in which the tax hit can be minimized and that's why Chris was calling.  He wants to keep as much of the windfall as possible for himself...can't say I blame him!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 23 Download Hour Two Here

In light of the recent Equifax data breach we thought it was as good a time as ever to run a recent interview I did with identity theft expert Adam Levin, whose book Swiped: How to Protect Yourself in a World Full of Scammers, Phishers, and Identity Thieves, recently came out in paperback. We conducted the interview BEFORE Equifax, which is why we don't discuss it.

Adam is a consumer advocate with more than 30 years of experience and is a nationally recognized expert on security, privacy, identity theft, fraud, and personal finance. A former Director of the New Jersey Division of Consumer Affairs, Levin is Chairman and founder of IDT911 (IDentity Theft 911) and co-founder of Credit.com.

According to Adam, it’s best to assume the worst and learn how to protect your personal information, because creative and determined hackers are working hard to piece together snippets of information from a variety of sources in order to re-create your profile and use it to perpetrate fraud.

You need to guard your information, including Social Security Numbers, phone numbers, email and physical addresses, credit reports, medical records because thieves are trying to create a well-rounded dossier on who you are. But as you'll hear, there are steps that can be taken to minimize the damage.

This is scary stuff but I also think it's essential listening.  Like Adam says, it's when, not if, you will become a victim...a fact we have learned all too well with the Equifax data breach.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

Ep. 038 - How Wall Street Destroyed Main Street with Rana Foroohar

As you'll recall, we did our fair share of explaining why Wall Street matters, on the episode featuring Bill Cohan. Today we're doing a 180 with financial journalist and author Rana Foroohar. Rana's book, Maker and Takers: How Wall Street Destroyed Main Street, doesn't exactly paint our economic system in the best light.

As you’ll recall, we did our fair share of explaining why Wall Street matters, on the episode featuring Bill Cohan.

Today we’re doing a 180 with financial journalist and author Rana Foroohar. Rana’s book, Maker and Takers: How Wall Street Destroyed Main Street, doesn’t exactly paint our economic system in the best light.

The book, just released in paperback, explores how the misguided financial practices and philosophies that nearly toppled the global financial system have infiltrated many US businesses.

Rana shows how the “financialization of America,” the trend by which finance and its way of thinking have come to reign supreme, is perpetuating Wall Street’s reign over Main Street, widening the gap between rich and poor, and threatening the future of the American Dream.

And since it’s not everyday that we have a Financial Times columnist in the studio, we also talked a good bit about the global economy, including Germany, Brexit, and China.

Rana is a great storyteller, and it’s through stories of both “Takers,” those stifling job creation while lining their own pockets, and “Makers,” businesses serving the real economy, that she shows how we can reverse these trends for a better path forward.

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

We love feedback so please subscribe and leave us a rating or review in iTunes!

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.