On this week's episode of The Millennials and Money, our guest Manhattan Real Estate Agent James Maaba shares his Money Story. Hear how after high school James found a job earning minimum wage working the front desk at a real estate office where he was “happily unchallenged and content”, that is until he saw the commission checks of the Agents he worked with were earning. After seeing the earning potential firsthand it sparked something in James, and he ran with it. He eventually got licensed as an Agent and began to grind like never before after posting properties endlessly on Facebook and showing after showing it took over 4 months for James to make his first close. Eventually, the right person saw the work ethic that James demonstrated with his consistent post and reached out to James to offer him a partnership, and James has been crushing the Manhattan Real Estate space ever since. James focuses on multi-family apartment spaces, he also owns two rental properties himself at only 22 years of age, while still living at home with his parents. You don’t wanna miss this one. Enjoy the show.

On this week's episode of the Millennials and Money Podcast hear part 2 of Tyson Redmond’s Money Story. Tyson shares the driving factor behind his decision to get into real estate after previously swearing it off. Hear how despite it taking 7 months for Tyson to make his first sale as a real estate agent he never quit. 11 years into the business Tyson has experienced lasting success and is motivated to continue to grow because he loves winning and every sale feels like a win both for him and his clients. Enjoy the show “I slang houses for a living part 2”- with Tyson Redmond

On this week's episode of the Millennials and Money Podcast, our guest and Real Estate Agent with Remax Tyson Redmond shared his Money Story. Tyson grew up in the Bay Area where he was a high school track star, his father was an accountant and his mom was a Real Estate Broker. Growing up so close to Real Estate Tyson was determined to have nothing to do with it, he was content with the office job he got out of high school where he was earning a comfortable salary that he used to purchase his first home. Tyson’s world changed when he had his son, after a custody battle with his son's mother left him buried in debt and legal fees he was forced to short sell his house. Tyson saw Real Estate as the conduit between his current position and where he desired to be. He got his start working for his mom delivering repossession notices to homeowners whose properties were being repossessed by the bank. Eventually, Tyson went on to get his Real Estate License where it took him seven months to make his first sale but it was all worth it. Be sure to tune in next week to hear part two of “I slang houses for a living” with Tyson Redmond.

On this week's episode of the Millennials and Money Podcast our guest, Labor and Delivery Nurse Cindy Nguyen shares her Money Story. Cindy grew up in a household with a dad who was very frugal and financially responsible, traits that Cindy learned and still carries today. Cindy shares how seeing the impact the 08 financial crisis had on her parents it motivated her to be seen as an asset and not a burden to those around her. Cindy shares how after going to nurse camp at the age of 16 she decided that was the career for her and began to develop a plan to make her dream a reality. Hear how Cindy was able to graduate from college and nursing school debt free. After Cindy first became a nurse she struggled with imposter syndrome and felt she didn’t deserve the amount of money that she was earning, that changed after she read the book “You’re a Badass” by Jen Sincero. Hear what her life is like now as she works in labor and delivery where she gets to play a very important role in what is one of the most important times in the lives of the families that she serves. Cindy also shares what the journey to homeownership was like. Enjoy the show.

On this week’s episode of the Millennials and Money Podcast our guest Real Estate Broker and owner of Mathews & Co. Realty Group as well as Urban Core Rentals Property Management Keisha “Kee” Mathews shares her Money Story. Despite growing up in project housing in Sacramento Kee never felt financial stress. In childhood, Kee's mom encouraged her to tap into her God-given creativity and explore ways to create enjoyment for both herself and others that were not tied to finances. Kee shares how as a young adult in a career where she did not feel fulfilled she quickly realized that being an employee was not for her and committed to never working for anyone again. Hear how Kee found success in real estate early on and was able to maintain her business through the 2008 recession, also listen as Kee shares how she’s created multiple income streams all within the realm of Real Estate as she helps Investors generate wealth through real estate with her property management company “Urban Core Rentals Property” enjoy the show.

In Part 2 of this two-part episode, we hear the second half of Mayra Stewart's Money Story. Mayra shares what it's been like being married and merging two different cultures and Money mindsets into one. Hear Mayra share how 2020 impacted her as a Hispanic woman raising black children. We also get into what led Mayra to make the pivotal decision to quit her job and focus on raising her family and building a home, which eventually lead her to write Grow Florecita Grow and what her life as an author looks like today. Enjoy the show. For your chance at a copy of Grow Florecita Grow leave a comment below. If you'd like to be a guest on the show send an email and bio to Payton@holmesfin.com

On this weeks episode of Millennials and Money our guest, Author of children's novel “Grow Florecita Grow” Mayra Stewart shares her Money Story. On Part One of this two part episode we hear what money was like for Mayra as she grew up, she shares how her father worked hard to move her and her siblings out of Oakland and into the suburbs. Despite living in the suburbs her dad made sure to still instill in her a street smart mindset as well as a work ethic that has carried her to success. She shares how her mother gave her the responsibility of managing the house hold budget at a young age and how thanks to those budgeting skills she was able to graduate college free of debt. Listen as she shares how she manged to maintain a full-time job and still take on a full class load. Be sure to tune in next week to hear part two of Mayra's story where she shares what lead her to the decision of being a stay at home mom and eventually writing her children's novel '”Grow Florecita Grow”. If you would like to schedule a free Planning consultation with Investment Advisor Payton Boyea click email link below Payton@holmesfin.com

On this week's episode of the millennials and money podcast our guest insurance broker with guaranteed rate insurance James Catchings shares his money story. James learned the benefits of a hard work ethic from his dad who was a truck driver throughout his youth, but when James turned 21 he was forced to rely on his work ethic to provide for him and his family after his father‘s unfortunate passing. Hear how James dealt with homelessness but persevered once he discovered “the middleman always gets paid.” Listen as he shares how after going through The loss of his father he’s learned to value quality time with the ones he loves above the monetary things. His story is truly one of perseverance and success, enjoy the show. If you have your own money story, our listeners would benefit from hearing click the email address below and leave us your contact info. Payton@holmesfin.com

On this week's episode of Millennials and Money, our guest and owner of Contos Builders share his money story. Ryan shares how after seeing his dad own a business he knew business ownership was going to be his route to success. After high school, he went straight to work in the construction industry where his work ethic fast-tracked him to a role in management where he was responsible for a team and learned how to manage and motivate people. Although he was making a very good living working for someone else he knew it was his destiny to take his work ethic and skill and go into business for himself. Ryan shares how his business has continued to grow because he focused on quality and let his work speak for itself. He's found a niche in the construction industry working on Eichler Homes in the Bay Area Peninsula he's reached the point in his business where he realized he's more of a value to the business and his guys not putting his bags but focusing on the business development role of his company. He still finds time to do the things he loves I.E buying classic cars, golfing, fishing enjoy the show. Click the email link if you'd like to schedule a free consultation at payton@holmesfin.com

On this week's episode of Millennials and Money our guest Mortgage Professional and owner of Real Estate Investor Group F.R.E.E Keith Mickey shares his money story. Keith shares how working in the private banking division of Wells Fargo and seeing how the ultra-wealthy utilized and leveraged the assets inspired him to do the same with his family. Hear how he along with his mother and brother pulled their assets together to begin investing in real estate and formed the Real Estate Investors Group F.R.E.E they have taken a unique approach to real estate investing, utilizing the different routes alternative to your fix and flips and traditional rentals. You don't want to miss this, Enjoy the show. If you'd like to schedule a free Financial Planning Consultation with Investment Advisor Representative Payton Boyea click the email link below. payton@holmesfin.com

On this week's episode of Millennials and Money our guest and Publishing Director with Social Publication Magazine Amir Carraway shares his Money Story. Hear what money was like for Amir throughout his life, Amir shares what life was like growing up in the Bay Area in a single-parent household and how he learned at a young age that if he wanted something he was going to have to get out there and grind for it. Amir shares how that “get it out the mud” attitude lead him to a basketball scholarship at Chico State which he was able to parlay into an international professional basketball career. Amir shares how he learned how to increase his stock as a player by listening to other vets in the league. Amir also shares what life is like today now that he's retired from his career in basketball and how he was able to land a career after basketball through the relationships he built while at Chico State. Amir credits much of his success to what his grandfather referred to as the “Magic Word” “Listen” so please listen and enjoy.

On this week's episode of Millennials and Money our guest, Liberty Mutual Insurance Agent Colby Bell Share his Money Story. Colby began his working years selling shoes something he is still passionate about today and he credits much of his success in the insurance business to the things he learned in retail selling shoes and serving customers. Colby talks about how he went from earning $1500 a month in retail to sometimes earning as much as $15,000 a month in used car sales and how he had to learn to deal with the ebbs and flows of income that come along with a high demand sales career. Colby also shares his journey to homeownership and how the responsibilities that come along with being a homeowner combined with the accountability his wife holds him to have helped him make wise decisions with his money and to see it as a tool to help him achieve goals. Colby also shares how he has got connected with The Sacramento Realtist an organization dedicated to bringing Home Ownership, Democracy, and Fair Housing to African American families and communities, and how being a part of an organization like the Realtist has helped him find real purpose in life. Enjoy the show.

On this week's episode of Millennials and Money, our guest is Air BNB investor and Coach Justin Kusu. Justin shares how from a young age he was always taught to grind to get the things he wants. Listen how Justin went from selling magazines door to door to working for Grant Cardone as one of his top Sales and Marketing Manager. Despite achieving top goals working for Grant Cardone University, Justin desired to become his own boss, so he decided the best way to build his empire was through Real Estate. Justin now owns several Air BnB's that cashflow upwards of $250,000 annually, he focuses his time now serving others as he coaches aspiring investors and guides them through the complexities of becoming successful Air BNB investors. If you're interested in getting in contact with Justin and building your own Air BNB portfolio listen to this episode as Justin shares key tips and the best way to get in contact with him for his coaching services.

Seth Owen was raised by a single mother and since a young age, he has always felt the need to provide for himself and help provide for others. Seth shares how he's been able to take the skills he learned at Fresno State and serving in leadership roles both in the US Military and at Enterprise and combine those skills to land his dream job at Hagerty Insurance where he helps Millionaires and celebrity car collectors assure they have the proper insurance for their assets. This is one you won't want to miss, enjoy the show.

On this week's episode of Millennials and Money, our guest is British Fund Manager turned Author Charlie Sunnucks. Charlie grew up in a home where he was taught the value of investing at a young age and saw firsthand the type of life investing could afford you. After high school, Charlie studied abroad in China where he learned how to analyze Emerging Markets. After graduating Charlie moved back home to London where he reached levels of success as a Fund Manager. As someone who spent the majority of his work week evaluating and valuing international equities he was shocked to find that there was no resource for the retail investor to learn how to properly value equity, after searching to no avail Charlie decide he would become the resource and write a book designed to help the average joe retail investor learn to efficiently value and Equity. Charlie shares what the transition from Fund Manager to Published Author has been like as he is now officially a published Author be sure to check out his book, “The Company Valuation PlayBook” in the link below. https://www.amazon.com/Company-Valuation-Playbook-Invest-Confidence/dp/1838470816

On this week's episode of Millennials and Money our guest, former Software Engineer with Linked IN and Minimalist Rich Bustos shares his money story. Today 29-year-old Rich Bustos is on a “Sabbatical” living off the returns of his Real Estate Assets and Investment Portfolio. With passive income as well as a house paid for Rich is living quite the desirable life, however, it wasn't always that way. Rich grew up in the Bay Area and his parents worked blue-collar jobs and instilled in Rich that it's not about how much money you make but what you do with it, this is a concept Rich took to heart. Listen as Rich shares how after he graduated high school while his classmates went on to major universities and moved out Rich stayed at home with his parents and began to work retail jobs living off a budget of $400 a month and investing everything he earned above that into a Stock Portfolio. Eventually Rich got an opportunity to accept an intern position at LinkedIn as a Software Engineer and his income increased substantially but Rich stuck to his budget of $400 a month and continued to invest everything else. Rich shares how despite having more than enough income to provide for his lifestyle he found himself suffering from panic attacks and was prescribed medication from a doctor. As an alternative Rich found Minimalism which has completely changed his life for the better, Rich also share his love for Brazilian Jiu-Jitsu be sure to check out the Being Rich Podcast to hear more from Rich Bustos, Enjoy the show.

On this week's episode of the Millennials and Money Podcast, our guest is a Traveling sales rep with Vector Cutco Marketing JC Miranda. JC grew up in a small town in Central California the son of two entrepreneurs. He learned from a young age that if you want it then you're gonna have to go hustle to get it. In college, JC got an opportunity to take a part-time position with Vector Marketing selling knives, and his first weekend on the job he discovered that he could make more in one weekend with Cutco than he did in two weeks with his full-time job. JC paid his way through college selling knives and after graduating he came to a pivotal point where he decided to continue to work full time in his role at Cutco rather than pursue a career utilizing his degree. JC does not regret his decision the least bit, in his words, he is “blessed” he spends his time at work traveling up and down the West Coast selling Cutco Cutlery at different events and shows (he is currently in a national sales competition at Cutco in which he is ranked number) JC is blessed to spend his free time traveling all over the country with friends, playing sports, and staying fit He says the key to his success at Cutco can be credited to having a good work-life balance and realizing that you get what you work for and to working hard now like most don't so he can live life in the future like most can't.

On this week's episode of Millennials and Money, our guest is US Naval Officer and Nascar stock car driver Jesse Iwuji. Jesse's parents immigrated to the United States from Nigeria and brought with them an intense work ethic and a business owner mentality. Both of Jesse's parents worked full-time jobs and each owned personal businesses on the side. Jesse was a stand-out football player in high school and received a scholarship to The United States Naval Academy. After college Jesse enlisted in the Navy as an officer where he did multiple tours and developed a habit of saving for the things he truly wanted. While in the Navy Jesse developed a love for Nascar, Jesse shares how he saved up enough money from his military tours to buy his own stock car and began to build his brand via social media and promoting racing shows of his own a business owner skill learned from his parents no doubt. This is an awesome story of a true winner, enjoy the show.

On this week's episode of Millennials and Money Information Security Analyst with Golden One Credit Union George Velasquez shares his Money Story. George grew up in a working-class home in Sacramento CA, some of life's turmoils set in early on in George's life and he ended up dropping out of high school and heading down a path that landed him behind bars. After realizing he had become a person he did not want to be and that he needed a change he went back to school and got his high school diploma and enrolled in a computer technician course offered through the stride center. George has always had an act for computers and as soon as he got his certification he went on to do cybersecurity for Aerojet “They Make Rockets”. George's story is one truly of perseverance, work ethic, and God's Favor, enjoy the show.

On this week's episode of Millennials and Money, our guest Personal Trainer Brandon Buentipo shares his Money Story. Brandon considers himself more than a trainer but a guide to help people find peace and purpose in their everyday lives. Brandon shares why he feels adaptability is the key to lasting success. Brandon has been completely deaf in one ear his whole life and he considers this disability to be one of his biggest strengths because it has allowed him to have compassion on others who also suffer disabilities. After graduating with a degree as a physical therapist from UC Merced rather than taking a position at a clinic or hospital Brandon began working as a personal trainer where he's been able to serve doctors, attorneys, and many other professionals and one thing he learned from his clients and their financial struggles are that it is not how much you make, but what you do with what you make. Brandon has been known to say to his clients “one day of good eating will not help, one day of bad eating will not hurt you”, and a client shared with him how the same approach can be used to bring financial success and it boils down to tracking and commitment. Be sure to check out the book “Think and Grow Rich” and the 12 elements of being rich. Enjoy the show.

On this week's episode of Millennials and Money, our guest Restaurateur and owner of Mikuni Taro Arai shares his money story. Taro was born in Japan where he never could seem to fit in, eventually, he saved up enough of his own money from a paper route to pay for his whole family to immigrate to America. Despite having no business or restaurant experience his dad decided to follow a dream God gave him to open a sushi restaurant. For the first 5 years, the sushi restaurant struggled to the point they could not afford to buy fish. His father continued to trust God and had another dream that as long as he kept giving he would one day have 1000 customers a day. One Miracle lead to the next and his dad's dream came true and now Mikuni has 8 locations nationwide, over 1000 employees, and over $62 million in annual sales. Taro still continues to give back to God and the community. Hear why he considers himself the happiest man ever and why he credits his success to “Kaizen” which means circle of continuous improvement. Taro says it all about networking “it's not what you know it's who you know”. Be sure to check out some of Taro's books “Abundance” and “Appreciation”.

On this week's episode of Millennial's and Money, we are joined by our first Baby Boomer guest, New York Times bestselling Author, Financial Expert, and long-standing guest on the Oprah show Neale Godfrey shares her Money Story. Neal grew up in a much different time than us as Millennial's and she shares what it was like for a woman beginning a career in finance in the 1980s. She got her foot in the door as an executive with Chase Manhattan bank in 1982 where she was paid 40% less than the men in her same position were paid based on nothing other than her being a woman. After putting together the largest merger in the history of the United States she hit the glass ceiling at Chase and became the president of The First Woman's Bank, where she saw how dis-empowered women were at handling their own money. Seeing the need to educate children and women on money and not finding a resource she went out on her own and wrote a book “The Kids Money Book”. She went on to write the book “Money doesn't grow trees” and Oprah picked the book up and “Looooovveddd it” thanks to Oprah “Money Doesn't Grow On Trees” went on to sell millions of copies and became number one on the New York Times bestseller list. Today Neale still has the heart to educate and serve women and children around the world in 2021. Enjoy the show. Check out Neale's latest book “Be Money Smart in tough times for parents and grandparents” on Amazon.

On this week's episode of Millennials and Money, our very first guest makes his return. That's right Gym Owner and Power Lifter Giovanni Lara is back to share his money story and what he's been up to. He shares how his parent's struggles through the recession lead them to start their own business and why he decided to follow their footsteps into entrepreneurship. A lot has changed since we last heard from Gio, due to the Pandemic Gio lost everything he worked so hard to build, but Gio has preserved and been able to rebuild and implement a complete online training platform that reaches Central America through social media marketing and his community of lifters and clients. “you have to know what you're trying to build, so when you're presented with an opportunity you know what to say yes to” https://www.getfitwithgio.com

On this weeks episode of Millennials and Money, our guest is Real Estate agent James “Kimo” Zamora, Kimo shares his money story and his journey from corporate America into Private enterprise in his role as a Real Estate Agent. Kimo became a single dad at age 18 and five days later his dad passed, due to circumstances Kimo was forced to grow up extremely quickly. Kimo has always been a natural salesman so it was natural for him to get into corporate sales, where he excelled. Although making what many would consider a very decent living he felt he was not able to service his clients in a way they deserved which eventually drove him leave corporate America and start his own company where he could focus on servicing the direct needs of his clients. Kimo shares how he utilized his degree in social media marketing and his economics background to understand trends and was able to achieve success for both his clients and himself in his first year in full-time real estate despite the Pandemic. Listen as he shares how expanding his business from Sacramento to Los Angeles and Hawaii has been huge for his overall growth and success through an intense digital marketing campaign. Understanding the landscape of digital marketing has helped Kimo realize the potential exposure a professional can have and the impact it can have on the growth of his business. Listen why the impact he's been able to have on his clients life is why he is driven to continue to grow his knowledge base and master his craft as a Real Estate Agent. Kimo's credits a large part of his success to “Data, Research, and Knowledge” and empowering his team of agents through continuously providing them with knowledge related not only to Real Estate but also general knowledge to help them grow as individuals, he considers his agents family and says they can all grow together. James Kimo Zamora Capitol Realty Center 930 Alhambra Blvd #205 Sacramento, CA 95816 Cal DRE# 02075281 • (916) 802-1323

This week's guest on Millennials and Money is Loan Processor with Elevate Mortgage May Yang. May grew up in Long Beach CA in a family of 8 living in a two-bedroom apartment on food stamps and welfare, needless to say, things were tight as she grew up wearing hand-me-downs and shopping at thrift stores. Once May got old enough to start earning her own money she made up for the things she wasn't able to buy as a kid and in her words, she “went crazy” she was able to gain control of her spending when her mom taught her the habit of saving 30% of her income and living off the remaining 70%, this is a habit that her and her mom still keep and is part of the reason why during the 2008 real estate recession they were both able to take advantage of the down market and purchase homes. May bought her first home in 2013 and was able to net $70k off the sale of it 3 years later. May share how she met Adrian Petersen “The Loan Dude” at American Pacific Mortgage and despite having a stable income she was willing to follow him on the journey to independence and be at his side as he opened up Elevate Mortgage. She has complete faith in their partnership and credits her willingness to follow him to the happiness being on his team brings her, May says “sometimes money doesn't mean anything if you're not happy” and she couldn't be happier with any other role than the one she plays at Elevate Mortgage. Coming from extremely humble beginnings financial success in May's eyes is being able to provide for her family and not having to worry about where her next check is going to come from. For tips on becoming a first-time home buyer and to get you TBD Approval visit May and the Loan Dude at Elevatemortgage.net or contact them directly at 916-228-4930, tell them Payton sent you.

On this week's episode of Millennial's and Money our guest is Air BNB Real Estate Investor and Planning and Property Manager Bobby Lister. Bobby shares how growing up in the Middle-Class community of Antelope in between the poverty-stricken Del Paso Heights and the more Affluent community of Roseville was able to see where decisions both good and bad could lead him. He worked his way through college and has always been a big saver and frugal outside of his “$18,000 once in a lifetime wedding” his frugal lifestyle is why he was in a position to buy his first property in 2010 for $140,000. After four years his property had only appreciated to $180,000 and when the real estate agent tried to convince him to sell and insisted that no one would be willing to rent his home Bobby still wisely decided to rent out his home and that was the start to his Real Estate investing journey. Eleven years later Bobby now has a Real Estate Portfolio made up of Air BnB rentals and extended stay travel Nurses with a value upwards of $1.4 million that cash flows $150,000 annually. Bobby is a believer in being patient and maintaining a modest lifestyle as he builds his Real Estate portfolio he and his wife both maintain full-time employment. Hear why he and his wife credit their financial success to clearly having their spending aligned with their values.

This week is our special season 1 finale episode on Millennials and Money. Your host Payton Toshio Boyea and Podcast Consultant Zach Grand, share their journey as they created the Millennials and Money Podcast. Hear some of the most memorable pieces of episodes both funny and powerful moments as well. We appreciate you sticking around with us this long and are excited for the surprises we have for your season 2, Website coming soon... see you guys in a few weeks enjoy the episode. https://www.linkedin.com/in/payton-boyea-46374a191 https://podcasts.apple.com/us/podcast/made-alive/id1502426561

Our guest this week on the Millennials and Money Podcast is the owner of a digital marketing company and associate Pastor Larry Williams. Larry shares what life was like growing up in a military household living all over the country up until the point his parents divorced, at which he lived in month-to-month survival mode with his mother. He shares how the transition from the check to check mindset to a more abundant mindset has been a rough one which he is still in the midst of. Larry shares what lead to his transition from full-time pastor to the owner of his marketing firm, and how after at one point taking on any client and trying to serve all that came through his door, he has since been able to maximize both his time and his income by focusing on the marketing needs of pastors and churches to whom he provides the most value to. Be sure to listen through the end to hear Larry share the importance of utilizing systems and delegation.

On this week's episode of Millennials and Money, our guest is Michael Thompson. Michael is the Retail Operations Manager of California’s largest recreational marijuana retailer. Michael shares what it was like growing up with two entrepreneurs as parents and what hard work ethics were instilled in him and he says his key to success lies in what he calls the Thompson Family Pillars Honesty, Character, Responsibility, and most importantly Courage. Hear how a career in college baseball taught him to never allow himself to be outworked, although injuries brought an end to his dream of baseball with one closed-door brought an opportunity of a lifetime in an industry where the sky is the limit. Be sure to listen through the end to hear Michael’s humble definition of financial success.

On this week's episode of Millennials and Money stand up comedian Michael Calvin Jr shares his Money Story. Growing up with parents who shared custody of him, Michael got to see things from two different perspectives. On one hand, he had his military father where everything was structured as can be, and on the other, he experienced the ups and downs living with his mom who often spent her next check before it even arrived. Once Michael decided to pursue comedy full time he shares how humbling it was coming from a background where the men always provided to be completely dependent on his partner's income. Be sure to listen through the end to hear Michael shares his expression through comedy Is a way to relive childhood memories with his father.

On this week's episode of Millennials and Money, our guest is Jag and Estate Planning Attorney Michael T Holy. Michael is a first-generation American whose father grew up in extreme poverty in Russian-occupied Austria, Michael shares what it was like growing up with his single father who was extremely frugal because he liked the security that saving money rather than spending it brought him. After graduating from Duke law Michael went on to work for a top law firm in the Silicon Valley amid the tech boom, but after 9/11 he felt lead to serve his country he left the firm and enlisted as a military Jag. After serving in Iraq 09-2013 the war had calmed down and Michael decided it was time to return to civilian life and he decided to open his Estate Planning practice out of his home, as someone who has been working from home since 2013 he shares tips on how to stay organized and the importance of time management when working for yourself. Be sure to listen to the end to hear why even as an attorney that went to Duke Law school he still encourages young people to consider pursuing trade schools as opposed to a traditional college. Hear why he considers eliminating the wants the key to financial success http://www.michaeltholy.com/index.html Phone Number: (916) 542-1867 Email: michaeltholy@gmail.com

Be sure to tune into this weeks episode of Millennials and Money our gust this week is Vice President of Public Affairs at California Charter Schools Association and and Independent Consultant Janel "Jay" Artis- Wright. Listen as she shares her money story, after grinding and couch surfing her way through Cal State Fullerton and USC for grad school she realized that she was spending all of her time helping others achieve their goals. Eventually she realized she had put her own life on hold and was becoming consumed by work, after reading the book “The Four Hour Work Week” she completely shifted her work life balance. Listen how despite after using the money she had initially saved for a down payment for a home and instead took a two year international sabbatical. She still does not regret the experience. She shares how golfing lead her to a job at Fox studios. Be sure to listen to the end as she shares how ending a longterm relationship based on different dreams and ambitions lead to her living a happier life than she ever imagined.

On this weeks episode of Millennials and Money Philip Wiggins, shares his money story. Growing up he saw his dad work multiple jobs and grind to provide for his family, despite his dads efforts it wasn’t long before Philip realized he wasn’t in the same wealth class as his classmates. Philip accepted he had to work a lot harder than his piers in order to have the things they had. After high school he dropped out of college and put his passion on hold to provide for himself. His unhappiness was clear to his wife Carissa day convinced him to quit his job go back to school to pursue his true passion in ministry. Now a student and embracing his role as a stay at home dad he is weeks away from a degree in leadership. Listen to what approach to ministry he plans on taking as he transitions into a full time pastor role. Be sure to check out the Made Alive Podcast to hear Phil and his cohost Seth share tips and advice on effective leadership in today’s world. Philip Wiggins IG: @thewiggs11 Made Alive Podcast IG: @madealivepodcast. https://podcasts.apple.com/us/podcast/made-alive/id1502426561

On this weeks episode of Millennials and Money listen to how Jo Palma went from homelessness to going viral on YouTube. Jo and his family immigrated to Vallejo, California when he was 3 from the Philippines. Growing up in Vallejo he experienced poverty which pushed him to wanting a better life for himself.He shares how he built his own business from scratch with the help of his adventure cat Leo. He now has successfully took two of his passions and parlayed them into what anyone would consider a successful lifestyle. He shares tips for others who are interested in pursuing the same path. If your interested in checking out his Adventure Cat or seeing some of his videography work the links to his social media pages and merch store are below @adventurecatleo Adventurecatleo.com @kingpalma haveheartstudios.com

Be prepared to be inspired on this weeks episode of Millennials and Money. Our guest is a Pastor and entrepreneur. Nehemiah Goudeaux shares how growing up the son of a Mega church Pastor made him determined to create his own wealth. Originally to separate himself from his father he pursued his own business ventures, and today owns multiple businesses. Inevitably, Goudeaux now is a Pastor and embraces the legacy and accomplishments of his father as he has created generational wealth both in the market place and ministry.

On this weeks special episode of Millennials and Money we have our first Gen X guest, Tynisha Boyea Robinson owner of CapEq and her husband and Law Professor at SMU Keith Robinson. Listen as they share their money story and the way they’ve came from two different financial backgrounds but managed to merge into one successful financial household. Tynisha shares how she is thankful for Keith’s conservative risk tolerance as a good counter balance to her more aggressive approach to investing and business ownership. They take turns being the households CFO so both of them get an idea of how to manage the household finances. Both have degrees in electrical engineering but elected to pursue different career paths but they both utilize their engineering degrees in their current careers to build success. Listen to how they've maintained such a good relationship with each other, “the couples who make it aren’t the ones who didn’t have problems they’re the ones who made it through the problems” and be sure to listen through the end so you can hear how Keith is able to manage his students attention virtually in the unique distance learning scenario we are in today.

On this weeks episode of Millennials and Money former boxing world titleist Karim “Hard Hitta” Mayfield shares his Money Story. Raised in San Francisco’s Filmore district during the crack epidemic he shares how despite living in project housing he always felt he had enough. Listen as he shares how after making a success in boxing he’s been able to manage and invest his money wisely while focusing on mentoring and serving his community. Be sure you listen to through the end to hear about Karim’s latest business venture as he sets the grand opening of Authentic 415 a marijuana dispensary in his home town of San Fransisco Saturday 1/16 165 Mississippi St San Fransisco CA 94107

This week on Millennials and Money Estate Planning Attorney and owner of Soojin Kim Law firm, Soojin Kim. shares her Money Story, Soojin shares what it was like growing up in a traditional Korean family home where money was not something spoken about. She talks tells of the struggles her parent’s faced in business ownership and why she initially swore it off for herself only later to realize it wasn't entrepreneurship that was the cause of her parents financial struggles, but it was the language barrier. Listen as she explains of all the areas of law she could've practiced why she chose Estate Planning and why today she loves owning her law firm and the way it provides for the ideal work life balance. Soojin Kim 916-847-5440 soojin@soojinkimlaw.com

On this weeks episode of Millennials and Money returning guest, Cutco district manager, Henry Sanchez shares his money story. While graduating with Honors in engineering from Chico State he continues to pursue the entrepreneurship route at Cutco Cutlery. Listen to the ups and downs of his upbringing and the effect the 2008 recession had on his mother in real estate market. Make sure you listen through the end to hear what drives him to continue to be at Cutco and how to put your best self forward.

On this weeks episode of Millennials and Money business attorney, Kaliah Kirkland shares her money story. Hear as she tells what life was like growing up in the household of a business owner. She explains why today after initially swearing off business ownership she owns and operates a successful law firm. Make sure you listen through the end to understand the importance of niche marketing for today’s business owners and how she defines financial success.

On this week's episode of Millennials and Money real estate powerhouse Darya Gomeshi shares her money story. Hear how she immigrated from Russia to the United States at 11 and was able to purchase her first investment property at age 19. She also shares how she weathered the storm of the 2008 financial crisis and explains how she continues to be optimistic through this years Coronavirus pandemic. You can follow Darya Gomeshi and Millennials and Money at the following @darya_at_onyx Darya916.com

In this weeks episode of Millennials and Money culture inclusion specialist with Github, Darryl Robinson, shares his money story. Hear about his up brining and his early like growing up then learning the difference between wants and needs. After going to College on a full ride he shares how his mentors taught him the foundation of financial literacy and how embracing the cliches is the key to staying certain and continuing to rise to the next level of success.

On this week's episode of Millennials & Money Regional Director of Dunham and Associates, Brandon Mather shares his money story. Hear how his work ethic instilled from his father at a young age caused him to be successful. From paying his own way through college to graduating in the midst of the financial crisis. Mather persevered through different jobs to make it into his dream career. You can follow Millennials and Money at the @millennials.and.money

On this weeks episode of Millennial and Money Vector Marketing Division Manager, Jaymison Jones shares his money story. Hear how he persevered through hardhips, and grew up in a financially unstable household. Yet, despite these troubles he built a successful business. Be sure to listen to the end and hear how he successfully balances life as a father and full time business owner. You can follow Jaymison and Millennials and Money at the following @thejaymisonjones @millennials.and.money

On this weeks episode strategic consultant, Jovan Agee shares his money story. Hear Agee talk about his humble beginnings to having a successful career as a political consultant through hard work and trust in God. Make sure you tune into the end to hear what the words “financial success” mean to him.

On this weeks episode workers’ compensation and wellness consultant, Robyn Cross, shares her money story. From seeing her parents budgeting to saving money. Now, her focus of Health and wellness along side her passion projects within her community with the non profit Coalition of Black Excellence (CBE) Follow the Millennials and Money podcast on Instagram: @millennials.and.money

On this weeks episode civil engineer, Juan Chavez, shares his money story. From borrowing sugar from neighbors as a kid to now mentoring students at Sac State. Hear his journey and the obstacles he faced coming from Sacramento, California and how he reached financial success. He gives credit to his resourcefulness, natural ingenuity, mentors and above all his love for God. Follow the Millennials and Money podcast on Instagram: @millennials.and.money