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    <title>Money Memories</title>
    <link>https://bearandthebull.com</link>
    <description>Money Memories is a podcast that’s on a mission to make money conversations less taboo — one memory at a time. Each week we interview a new guest, and discuss how their earliest money memory affected their professional trajectories and molded their relationship to personal finance.</description>
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    <copyright>© Bear and the Bull</copyright>
    <itunes:author>Bear and the Bull</itunes:author>
    <itunes:subtitle>How our early experiences with money shape our financial choices.</itunes:subtitle>
    <itunes:summary>Money Memories is a podcast that’s on a mission to make money conversations less taboo, one memory at a time. Each week we interview a new guest, and discuss how their earliest money memory affected their professional trajectories and molded their relationship to personal finance.</itunes:summary>
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      <title>Money Memories</title>
      <link>https://bearandthebull.com</link>
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      <title>The Two Founders Building a Company They Almost Didn't Start</title>
      <description><![CDATA[Before David Black and Heather Townsend became co-founders, they were people who almost did something — and didn't. Dave passed on buying a DC bar for $150,000 because he didn't know where to get financing. Heather built an earmuff company, had 500 pairs manufactured in China, and watched them arrive at her apartment. Years later, they met at UVA's Darden School of Business, reconnected during the pandemic, and built Cabana (yourcabana.com), a mental health platform designed to close the 11-year gap between when people start struggling and when they finally ask for help. In this episode, they talk about the scar tissue that prepared them for real entrepreneurship and the personal loss that made Dave obsessed with that statistic.]]></description>
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      <pubDate>Wed, 08 Apr 2026 06:00:00 -0400</pubDate>
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      <itunes:subtitle>Before David Black and Heather Townsend became co-founders, they were people who almost did something — and didn't. Dave passed on buying a DC bar for $150,000 because he didn't know where to get f…</itunes:subtitle>
      <itunes:summary>Before David Black and Heather Townsend became co-founders, they were people who almost did something — and didn't. Dave passed on buying a DC bar for $150,000 because he didn't know where to get financing. Heather built an earmuff company, had 500 pairs manufactured in China, and watched them arrive at her apartment. Years later, they met at UVA's Darden School of Business, reconnected during the pandemic, and built Cabana (yourcabana.com), a mental health platform designed to close the 11-year gap between when people start struggling and when they finally ask for help. In this episode, they talk about the scar tissue that prepared them for real entrepreneurship and the personal loss that made Dave obsessed with that statistic.</itunes:summary>
    </item>
    <item>
      <title>She Left a Six Figure Salary to Save Lives One Lap at a Time</title>
      <description><![CDATA[Paulana Lamounier grew up in a Haitian household in Long Island where money wasn't talked about openly but was modeled constantly, from susu to savings books to tithing. She went on to build Black People Will Swim after a student's offhand comment about buoyancy sent her down a rabbit hole of racist history she couldn't unsee. In this episode, Paulana gets candid about leaving a $95K salary to go full-time on her mission, the financial realities of running a purpose-driven small business on pool rental fees and grant funding, and why the way you manage your personal finances is exactly how you'll manage your business.]]></description>
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      <pubDate>Wed, 25 Mar 2026 09:47:00 -0400</pubDate>
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      <itunes:subtitle>Paulana Lamounier grew up in a Haitian household in Long Island where money wasn't talked about openly but was modeled constantly, from susu to savings books to tithing. She went on to build Black…</itunes:subtitle>
      <itunes:summary>Paulana Lamounier grew up in a Haitian household in Long Island where money wasn't talked about openly but was modeled constantly, from susu to savings books to tithing. She went on to build Black People Will Swim after a student's offhand comment about buoyancy sent her down a rabbit hole of racist history she couldn't unsee. In this episode, Paulana gets candid about leaving a $95K salary to go full-time on her mission, the financial realities of running a purpose-driven small business on pool rental fees and grant funding, and why the way you manage your personal finances is exactly how you'll manage your business.</itunes:summary>
    </item>
    <item>
      <title>What My Mom Knew About Business That MBAs Don't</title>
      <description><![CDATA[Ray grew up watching his single mother sell homemade dishes poolside during World Cup games in their Silver Lake apartment complex, and never forgot that resourcefulness. After a winding career path from photography to marketing to commercial lending in San Francisco, he returned to LA and found himself more energized by underserved entrepreneurs than by traditional banking. Now a small business coach at Operation Hope, he helps community members in Spanish-speaking and overlooked neighborhoods separate their finances, write business plans, pitch investors, and build toward generational wealth. His message is simple: the answers are already inside you, and all it takes is one person willing to show up and say, "call me anytime."]]></description>
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      <pubDate>Fri, 13 Mar 2026 13:08:00 -0400</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>Ray grew up watching his single mother sell homemade dishes poolside during World Cup games in their Silver Lake apartment complex, and never forgot that resourcefulness. After a winding career path…</itunes:subtitle>
      <itunes:summary>Ray grew up watching his single mother sell homemade dishes poolside during World Cup games in their Silver Lake apartment complex, and never forgot that resourcefulness. After a winding career path from photography to marketing to commercial lending in San Francisco, he returned to LA and found himself more energized by underserved entrepreneurs than by traditional banking. Now a small business coach at Operation Hope, he helps community members in Spanish-speaking and overlooked neighborhoods separate their finances, write business plans, pitch investors, and build toward generational wealth. His message is simple: the answers are already inside you, and all it takes is one person willing to show up and say, "call me anytime."</itunes:summary>
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    <item>
      <title>The Housing Market Nobody Talks About</title>
      <description><![CDATA[Jeff Hurst leads Furnished Finder as CEO, working inside a housing market most people never see. Serving traveling nurses and clinicians on short-term contracts, the platform sits where mobility, work, and stability collide. In this conversation, Jeff reflects on how temporary work reshaped housing long before “remote” became a buzzword, why trust outweighs scale, and how health care labor shortages quietly shape local economies. The episode traces the invisible infrastructure that keeps hospitals staffed and asks what it really takes to run a durable marketplace without chasing hype.]]></description>
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      <itunes:duration>00:22:47</itunes:duration>
      <pubDate>Wed, 11 Feb 2026 06:00:00 -0500</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>Jeff Hurst leads Furnished Finder as CEO, working inside a housing market most people never see. Serving traveling nurses and clinicians on short-term contracts, the platform sits where mobility,…</itunes:subtitle>
      <itunes:summary>Jeff Hurst leads Furnished Finder as CEO, working inside a housing market most people never see. Serving traveling nurses and clinicians on short-term contracts, the platform sits where mobility, work, and stability collide. In this conversation, Jeff reflects on how temporary work reshaped housing long before “remote” became a buzzword, why trust outweighs scale, and how health care labor shortages quietly shape local economies. The episode traces the invisible infrastructure that keeps hospitals staffed and asks what it really takes to run a durable marketplace without chasing hype.</itunes:summary>
    </item>
    <item>
      <title>From Nigeria to Wall Street: A Journey of Resilience and Financial Freedom [Archive Episode]</title>
      <description><![CDATA[This episode, we're looking back at our conversation wtih Ehis Akhetuamhen, host and creator of Unmuted Moments, a podcast about finding your voice in work and life. He shares his remarkable journey from growing up in a one-bedroom apartment in Nigeria to building a career in finance in the U.S. After losing his father at 13, he learned that financial success isn’t just about hard work—it’s about where you work. We talk about career choices, financial resilience, and why speaking up is just as important as skill. Plus, how a mailman’s unexpected favor helped change the course of his life.]]></description>
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      <itunes:duration>00:16:08</itunes:duration>
      <pubDate>Thu, 29 Jan 2026 14:49:00 -0500</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>This episode, we're looking back at our conversation wtih Ehis Akhetuamhen, host and creator of Unmuted Moments, a podcast about finding your voice in work and life. He shares his remarkable journey…</itunes:subtitle>
      <itunes:summary>This episode, we're looking back at our conversation wtih Ehis Akhetuamhen, host and creator of Unmuted Moments, a podcast about finding your voice in work and life. He shares his remarkable journey from growing up in a one-bedroom apartment in Nigeria to building a career in finance in the U.S. After losing his father at 13, he learned that financial success isn’t just about hard work—it’s about where you work. We talk about career choices, financial resilience, and why speaking up is just as important as skill. Plus, how a mailman’s unexpected favor helped change the course of his life.</itunes:summary>
    </item>
    <item>
      <title>Why Money You Can Access Immediately Feels More Valuable</title>
      <description><![CDATA[University of Oregon Associate Professor of Economics Jonathan Davis says he grew up with a sense of scarcity around money. His family always seemed to have enough, but there was this pervasive feeling that they wouldn’t. “I remember this narrative of, ‘money’s gonna be tight this year, don’t expect as many Christmas presents as last year,’” he says. In this episode, Davis shares findings from his research on EarnIn, a service that allows folks to get an advance on their wages without paying interest, and how immediate access to money makes the money feel more valuable, and helps alleviate the feeling of scarcity that can lead to financially unwise decisions.]]></description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20260114122825-MM011425_jonathan_davis.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=6eeaa990-f16e-11f0-b2c7-09574e0db724" type="audio/mpeg" length="22160240"/>
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      <itunes:duration>00:15:21</itunes:duration>
      <pubDate>Wed, 14 Jan 2026 14:00:00 -0500</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>University of Oregon Associate Professor of Economics Jonathan Davis says he grew up with a sense of scarcity around money. His family always seemed to have enough, but there was this pervasive…</itunes:subtitle>
      <itunes:summary>University of Oregon Associate Professor of Economics Jonathan Davis says he grew up with a sense of scarcity around money. His family always seemed to have enough, but there was this pervasive feeling that they wouldn’t. “I remember this narrative of, ‘money’s gonna be tight this year, don’t expect as many Christmas presents as last year,’” he says. In this episode, Davis shares findings from his research on EarnIn, a service that allows folks to get an advance on their wages without paying interest, and how immediate access to money makes the money feel more valuable, and helps alleviate the feeling of scarcity that can lead to financially unwise decisions.</itunes:summary>
    </item>
    <item>
      <title>From Sunday Shifts to Whole Foods: Building a Cookie Dough Brand</title>
      <description><![CDATA[Kathryn Bricken grew up in a family of six where early responsibility and earning her own money shaped how she viewed work and value. Sunday shifts at Publix, paid at time and a half, taught her how to think strategically about income long before she became a founder. What began as a love of food evolved into building Doughlicious, a gluten-free cookie dough brand now sold at Whole Foods, Target, and major retailers nationwide. Along the way, she learned that scaling a consumer brand means making uncomfortable decisions about spending, manufacturing, and carrying the responsibility of dozens of paychecks. Her message: saving matters, but knowing when to invest in growth is what turns a passion into a lasting business.]]></description>
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      <pubDate>Thu, 18 Dec 2025 06:00:00 -0500</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>Kathryn Bricken grew up in a family of six where early responsibility and earning her own money shaped how she viewed work and value. Sunday shifts at Publix, paid at time and a half, taught her how…</itunes:subtitle>
      <itunes:summary>Kathryn Bricken grew up in a family of six where early responsibility and earning her own money shaped how she viewed work and value. Sunday shifts at Publix, paid at time and a half, taught her how to think strategically about income long before she became a founder. What began as a love of food evolved into building Doughlicious, a gluten-free cookie dough brand now sold at Whole Foods, Target, and major retailers nationwide. Along the way, she learned that scaling a consumer brand means making uncomfortable decisions about spending, manufacturing, and carrying the responsibility of dozens of paychecks. Her message: saving matters, but knowing when to invest in growth is what turns a passion into a lasting business.</itunes:summary>
    </item>
    <item>
      <title>The Instagram Effect and Why You're Probably Doing Better Than You Think</title>
      <description>Grant Gallagher grew up watching his parents constantly argue about money, teaching him what not to do with finances. Early in his credit union career, helping a 50-year-old man use an ATM for the first time revealed the massive gap in financial education. Now with over 15 years in the industry, he champions hands-on financial literacy through budget simulations and financial reality fairs, as well as his own podcast. His message: stop judging your finances against Instagram highlights and give yourself permission to ask for help.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20251125113013-GrantGallagher_Primary.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=04cf5ce0-ca1c-11f0-acd9-41ba835e4313" type="audio/mpeg" length="17594036"/>
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      <content:encoded><![CDATA[Grant Gallagher grew up watching his parents constantly argue about money, teaching him what not to do with finances. Early in his credit union career, helping a 50-year-old man use an ATM for the first time revealed the massive gap in financial education. Now with over 15 years in the industry, he champions hands-on financial literacy through budget simulations and financial reality fairs, as well as his own podcast. His message: stop judging your finances against Instagram highlights and give yourself permission to ask for help.]]></content:encoded>
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      <itunes:duration>00:18:16</itunes:duration>
      <pubDate>Wed, 03 Dec 2025 07:00:00 -0500</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>Grant Gallagher grew up watching his parents constantly argue about money, teaching him what not to do with finances. Early in his credit union career, helping a 50-year-old man use an ATM for the…</itunes:subtitle>
      <itunes:summary>Grant Gallagher grew up watching his parents constantly argue about money, teaching him what not to do with finances. Early in his credit union career, helping a 50-year-old man use an ATM for the first time revealed the massive gap in financial education. Now with over 15 years in the industry, he champions hands-on financial literacy through budget simulations and financial reality fairs, as well as his own podcast. His message: stop judging your finances against Instagram highlights and give yourself permission to ask for help.</itunes:summary>
    </item>
    <item>
      <title>The $38,000 House That Changed Everything</title>
      <description>Jaina Anne grew up in a Navy family where money was scarce and the wealthy were viewed with suspicion. The 2020 market crash jolted her into seeking financial literacy, leading from Palantir stocks to Ethereum mining to real estate investing. A chance conversation about a $38,000 Indiana house shattered her California assumptions and launched her into building a 10-property portfolio using creative financing. Now she teaches real estate investors how to turn contractor payments into luxury vacations while challenging the millennial fear of taking calculated risks.</description>
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      <content:encoded><![CDATA[Jaina Anne grew up in a Navy family where money was scarce and the wealthy were viewed with suspicion. The 2020 market crash jolted her into seeking financial literacy, leading from Palantir stocks to Ethereum mining to real estate investing. A chance conversation about a $38,000 Indiana house shattered her California assumptions and launched her into building a 10-property portfolio using creative financing. Now she teaches real estate investors how to turn contractor payments into luxury vacations while challenging the millennial fear of taking calculated risks.]]></content:encoded>
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      <itunes:duration>00:18:19</itunes:duration>
      <pubDate>Wed, 19 Nov 2025 07:00:00 -0500</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>Jaina Anne grew up in a Navy family where money was scarce and the wealthy were viewed with suspicion. The 2020 market crash jolted her into seeking financial literacy, leading from Palantir stocks…</itunes:subtitle>
      <itunes:summary>Jaina Anne grew up in a Navy family where money was scarce and the wealthy were viewed with suspicion. The 2020 market crash jolted her into seeking financial literacy, leading from Palantir stocks to Ethereum mining to real estate investing. A chance conversation about a $38,000 Indiana house shattered her California assumptions and launched her into building a 10-property portfolio using creative financing. Now she teaches real estate investors how to turn contractor payments into luxury vacations while challenging the millennial fear of taking calculated risks.</itunes:summary>
    </item>
    <item>
      <title>Building Latin America’s Open Banking Future — En Español</title>
      <description>When first featured on Money Memories in English, Ximena’s story stood out as one that needed to be shared more widely. This episode continues the conversation in Spanish. She reflects on how growing up in Uruguay shaped her entrepreneurial mindset, what it took to raise venture funding in a conservative business culture, and why Prometeo was designed as a pan-regional platform from day one. The discussion also explores the barriers women founders face in fintech and why closing the gender funding gap remains one of Latin America’s biggest untapped opportunities. A conversation about building boldly across borders—and in your own language.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20251023120259-XimenaPrometeo_Spanish.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=bf413d70-b029-11f0-987c-f975631e8081" type="audio/mpeg" length="28122846"/>
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      <content:encoded><![CDATA[When first featured on Money Memories in English, Ximena’s story stood out as one that needed to be shared more widely. This episode continues the conversation in Spanish. She reflects on how growing up in Uruguay shaped her entrepreneurial mindset, what it took to raise venture funding in a conservative business culture, and why Prometeo was designed as a pan-regional platform from day one. The discussion also explores the barriers women founders face in fintech and why closing the gender funding gap remains one of Latin America’s biggest untapped opportunities. A conversation about building boldly across borders—and in your own language]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:duration>00:29:14</itunes:duration>
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      <pubDate>Thu, 23 Oct 2025 11:58:00 -0400</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>When first featured on Money Memories in English, Ximena’s story stood out as one that needed to be shared more widely. This episode continues the conversation in Spanish. She reflects on how g…</itunes:subtitle>
      <itunes:summary>When first featured on Money Memories in English, Ximena’s story stood out as one that needed to be shared more widely. This episode continues the conversation in Spanish. She reflects on how growing up in Uruguay shaped her entrepreneurial mindset, what it took to raise venture funding in a conservative business culture, and why Prometeo was designed as a pan-regional platform from day one. The discussion also explores the barriers women founders face in fintech and why closing the gender funding gap remains one of Latin America’s biggest untapped opportunities. A conversation about building boldly across borders—and in your own language.</itunes:summary>
    </item>
    <item>
      <title>A Founder’s Journey from Tehran to Web3</title>
      <description><![CDATA[In this episode of Money Memories, Ilona sits down with Bam Azizi, founder of Mesh, to explore how childhood hustle and immigrant resilience shaped his path from a makeshift library in Iran to scaling infrastructure for the future of crypto. Bam shares why user experience—not hype—is the industry’s biggest hurdle, and why staying lean might be a startup’s greatest asset.]]></description>
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      <itunes:duration>00:19:48</itunes:duration>
      <pubDate>Thu, 24 Jul 2025 13:06:00 -0400</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>In this episode of Money Memories, Ilona sits down with Bam Azizi, founder of Mesh, to explore how childhood hustle and immigrant resilience shaped his path from a makeshift library in Iran to…</itunes:subtitle>
      <itunes:summary>In this episode of Money Memories, Ilona sits down with Bam Azizi, founder of Mesh, to explore how childhood hustle and immigrant resilience shaped his path from a makeshift library in Iran to scaling infrastructure for the future of crypto. Bam shares why user experience—not hype—is the industry’s biggest hurdle, and why staying lean might be a startup’s greatest asset.</itunes:summary>
    </item>
    <item>
      <title>A Mother’s Memory: The Pain That Sparked a Mental Health Startup</title>
      <description>After losing his mom shortly after college, Drew Barvir set out on a journey to understand the complex connection between money, mental health, and meaning. In this episode, he opens up about how childhood arguments over finances shaped his earliest beliefs, how grief became a turning point, and why he built Sonar — a tech platform bringing accessible emotional support to students across the country. It’s a deeply personal story of loss, resilience, and reimagining what it means to feel financially and emotionally secure.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20250606150553-MM060625_Drew_Sonar.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=449b97c0-4309-11f0-afcf-a558bdd75d3c" type="audio/mpeg" length="26852250"/>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">After losing his mom shortly after college, Drew Barvir set out on a journey to understand the complex connection between money, mental health, and meaning. In this episode, he opens up about how childhood arguments over finances shaped his earliest beliefs, how grief became a turning point, and why he built </span><a href="https://www.sonarmentalhealth.com/" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Sonar</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);"> — a tech platform bringing accessible emotional support to students across the country. It’s a deeply personal story of loss, resilience, and reimagining what it means to feel financially and emotionally secure.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:duration>00:18:36</itunes:duration>
      <pubDate>Fri, 06 Jun 2025 15:02:00 -0400</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>After losing his mom shortly after college, Drew Barvir set out on a journey to understand the complex connection between money, mental health, and meaning. In this episode, he opens up about how…</itunes:subtitle>
      <itunes:summary>After losing his mom shortly after college, Drew Barvir set out on a journey to understand the complex connection between money, mental health, and meaning. In this episode, he opens up about how childhood arguments over finances shaped his earliest beliefs, how grief became a turning point, and why he built Sonar — a tech platform bringing accessible emotional support to students across the country. It’s a deeply personal story of loss, resilience, and reimagining what it means to feel financially and emotionally secure.</itunes:summary>
    </item>
    <item>
      <title>From Caja de los Zapatos to Financial Freedom: Alejandra Lozano's Journey with Operation Hope [Archive]</title>
      <description><![CDATA[Meet Alejandra Lozano, a dedicated Financial Wellbeing Coach for Operation HOPE, located inside Wells Fargo’s HOPE Inside center in South LA. With over seven years of experience in the finance industry, Alejandra is passionate about uplifting Black and Brown communities and empowering their financial journeys. Alejandra shares how her childhood experience with "la caja de los zapatos" (the shoe box) reflects the sentiment that many communities in the U.S. feel about financial institutions. She also shares some of the most powerful stories of transformation that Operation HOPE was able to provide.]]></description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20250515121346-20240719104338-2024_0719_AlejandraLozano_MM_PRIMARY.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=9480bf10-31a7-11f0-9dfe-3d239c088997" type="audio/mpeg" length="29138068"/>
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      <itunes:duration>00:20:11</itunes:duration>
      <pubDate>Thu, 15 May 2025 12:07:00 -0400</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>Meet Alejandra Lozano, a dedicated Financial Wellbeing Coach for Operation HOPE, located inside Wells Fargo’s HOPE Inside center in South LA. With over seven years of experience in the finance i…</itunes:subtitle>
      <itunes:summary>Meet Alejandra Lozano, a dedicated Financial Wellbeing Coach for Operation HOPE, located inside Wells Fargo’s HOPE Inside center in South LA. With over seven years of experience in the finance industry, Alejandra is passionate about uplifting Black and Brown communities and empowering their financial journeys. Alejandra shares how her childhood experience with "la caja de los zapatos" (the shoe box) reflects the sentiment that many communities in the U.S. feel about financial institutions. She also shares some of the most powerful stories of transformation that Operation HOPE was able to provide.</itunes:summary>
    </item>
    <item>
      <title>Solving the climate puzzle with clean energy, blockchain and bold ideas</title>
      <description>What happens when blockchain meets clean energy? In this episode of Money Memories, we explore the intersection of climate tech and Web3 with Adam Silver, founder of VC-backed startup Plural. Learn how decentralized technology can help modernize the power grid, support the energy transition, and drive impact at scale. Whether you are a climate enthusiast, crypto-curious, or love founder stories, this episode will spark new ideas about the future of energy.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20250416180044-041625_AdamSilver.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=3ee17620-1b0e-11f0-939a-af430ddbcb19" type="audio/mpeg" length="26832815"/>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">What happens when blockchain meets clean energy? In this episode of </span><em style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Money Memories</em><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">, we explore the intersection of climate tech and Web3 with Adam Silver, founder of VC-backed startup </span><a href="https://www.pluralfinance.com/" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Plural</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">. Learn how decentralized technology can help modernize the power grid, support the energy transition, and drive impact at scale. Whether you are a climate enthusiast, crypto-curious, or love founder stories, this episode will spark new ideas about the future of energy.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:duration>00:18:35</itunes:duration>
      <pubDate>Wed, 16 Apr 2025 17:45:00 -0400</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>What happens when blockchain meets clean energy? In this episode of Money Memories, we explore the intersection of climate tech and Web3 with Adam Silver, founder of VC-backed startup Plural. Learn…</itunes:subtitle>
      <itunes:summary>What happens when blockchain meets clean energy? In this episode of Money Memories, we explore the intersection of climate tech and Web3 with Adam Silver, founder of VC-backed startup Plural. Learn how decentralized technology can help modernize the power grid, support the energy transition, and drive impact at scale. Whether you are a climate enthusiast, crypto-curious, or love founder stories, this episode will spark new ideas about the future of energy.</itunes:summary>
    </item>
    <item>
      <title>A Student Loan "Sherpa" Breaks Down What Borrowers Need to Know</title>
      <description>Student loan expert Michael Lux—featured in The Wall Street Journal—has spent years helping borrowers navigate the complexities of repayment and policy changes as the founder of The Student Loan Sherpa.&#13;
In this episode of Money Memories, we break down the latest in student loans: key policy shifts, smart repayment strategies, and what borrowers need to know now.&#13;
&#13;
Want more expert insights? Subscribe to my newsletter for the latest in financial wellness, and exclusive podcast content! Visit https://bearandthebull.beehiiv.com/</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20250325122420-MM032525_MichaelLux_StudentLoans.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=9b2ef630-0995-11f0-bccb-05dd5a7509f0" type="audio/mpeg" length="33282134"/>
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      <content:encoded><![CDATA[<p><span style="color: rgb(0, 0, 0);">Student loan expert Michael Lux—featured in </span><em style="color: rgb(0, 0, 0);">The Wall Street Journal</em><span style="color: rgb(0, 0, 0);">—has spent years helping borrowers navigate the complexities of repayment and policy changes as the founder of </span><a href="https://studentloansherpa.com/" target="_blank" style="color: rgb(17, 85, 204);"><em>The Student Loan Sherpa</em></a><span style="color: rgb(0, 0, 0);">.</span></p><p>In this episode of <em>Money Memories</em>, we break down the latest in student loans: key policy shifts, smart repayment strategies, and what borrowers need to know now.</p><p>Want more expert insights? Subscribe to <a href="https://bearandthebull.beehiiv.com/" target="_blank" style="color: rgb(17, 85, 204);">my newsletter</a> for the latest in financial wellness, and exclusive podcast content!</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:duration>00:23:04</itunes:duration>
      <pubDate>Tue, 25 Mar 2025 12:22:00 -0400</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>Student loan expert Michael Lux—featured in The Wall Street Journal—has spent years helping borrowers navigate the complexities of repayment and policy changes as the founder of The Student Loan She…</itunes:subtitle>
      <itunes:summary>Student loan expert Michael Lux—featured in The Wall Street Journal—has spent years helping borrowers navigate the complexities of repayment and policy changes as the founder of The Student Loan Sherpa.&#13;
In this episode of Money Memories, we break down the latest in student loans: key policy shifts, smart repayment strategies, and what borrowers need to know now.&#13;
&#13;
Want more expert insights? Subscribe to my newsletter for the latest in financial wellness, and exclusive podcast content! Visit https://bearandthebull.beehiiv.com/</itunes:summary>
    </item>
    <item>
      <title>From Nigeria to Wall Street: A Journey of Resilience and Financial Freedom</title>
      <description>We’re joined by Ehis Akhetuamhen, host and creator of Unmuted Moments, a podcast about finding your voice in work and life. He shares his remarkable journey from growing up in a one-bedroom apartment in Nigeria to building a career in finance in the U.S. After losing his father at 13, he learned that financial success isn’t just about hard work—it’s about where you work. We talk about career choices, financial resilience, and why speaking up is just as important as skill. Plus, how a mailman’s unexpected favor helped change the course of his life.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20250311175017-MM031225_EhisA.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=d21a3d00-fec2-11ef-a000-352c963fb250" type="audio/mpeg" length="23024788"/>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">We’re joined by Ehis Akhetuamhen, host and creator of </span><a href="https://podcastai.com/shows/rr8mg2-unmuted-moments" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);"><em>Unmuted Moments</em></a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">, a podcast about finding your voice in work and life. He shares his remarkable journey from growing up in a one-bedroom apartment in Nigeria to building a career in finance in the U.S. After losing his father at 13, he learned that financial success isn’t just about hard work—it’s about </span><em style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">where</em><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);"> you work. We talk about career choices, financial resilience, and why speaking up is just as important as skill. Plus, how a mailman’s unexpected favor helped change the course of his life.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:duration>00:15:57</itunes:duration>
      <pubDate>Wed, 12 Mar 2025 06:00:00 -0400</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>We’re joined by Ehis Akhetuamhen, host and creator of Unmuted Moments, a podcast about finding your voice in work and life. He shares his remarkable journey from growing up in a one-bedroom a…</itunes:subtitle>
      <itunes:summary>We’re joined by Ehis Akhetuamhen, host and creator of Unmuted Moments, a podcast about finding your voice in work and life. He shares his remarkable journey from growing up in a one-bedroom apartment in Nigeria to building a career in finance in the U.S. After losing his father at 13, he learned that financial success isn’t just about hard work—it’s about where you work. We talk about career choices, financial resilience, and why speaking up is just as important as skill. Plus, how a mailman’s unexpected favor helped change the course of his life.</itunes:summary>
    </item>
    <item>
      <title>How Even $5 Can Change Your Financial Future</title>
      <description><![CDATA[Many of us grew up with a scarcity mindset around money. Tim Flacke, co-founder of Commonwealth, explores how that mindset develops, why savings matter beyond just dollars and cents, and how his organization is working to change financial systems for the better.]]></description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20250225171428-022625_TimFlacke.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=e14d1c10-f3c5-11ef-871f-8f95d2ae41d4" type="audio/mpeg" length="31487208"/>
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      <itunes:duration>00:21:49</itunes:duration>
      <pubDate>Wed, 26 Feb 2025 06:00:00 -0500</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>Many of us grew up with a scarcity mindset around money. Tim Flacke, co-founder of Commonwealth, explores how that mindset develops, why savings matter beyond just dollars and cents, and how his…</itunes:subtitle>
      <itunes:summary>Many of us grew up with a scarcity mindset around money. Tim Flacke, co-founder of Commonwealth, explores how that mindset develops, why savings matter beyond just dollars and cents, and how his organization is working to change financial systems for the better.</itunes:summary>
    </item>
    <item>
      <title>Generational Wisdom: Financial Lessons from My Grandmother</title>
      <description><![CDATA[Ilona sits down with Katrina Robinson, a professional trustee and wealth management expert, whose journey spans Kingston, Jamaica, to leading the multinational estate planning firm Cone Marshall. Katrina shares how her grandmother's wisdom and lessons on saving shaped her approach to planning for the future. Katrina also discusses the importance of financial planning at every stage of life, providing practical tips on building wills and trusts, and creating inventories of assets. Whether you're just starting your financial journey or looking to preserve wealth for future generations, this episode offers timeless insights into planning with purpose.]]></description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20250130153204-MM01302025_KatrinaRobinson.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=44569190-df49-11ef-bfdb-8f6aebb3415d" type="audio/mpeg" length="23555806"/>
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      <itunes:episodeType>full</itunes:episodeType>
      <itunes:duration>00:16:19</itunes:duration>
      <pubDate>Thu, 30 Jan 2025 15:30:00 -0500</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>Ilona sits down with Katrina Robinson, a professional trustee and wealth management expert, whose journey spans Kingston, Jamaica, to leading the multinational estate planning firm Cone Marshall.…</itunes:subtitle>
      <itunes:summary>Ilona sits down with Katrina Robinson, a professional trustee and wealth management expert, whose journey spans Kingston, Jamaica, to leading the multinational estate planning firm Cone Marshall. Katrina shares how her grandmother's wisdom and lessons on saving shaped her approach to planning for the future. Katrina also discusses the importance of financial planning at every stage of life, providing practical tips on building wills and trusts, and creating inventories of assets. Whether you're just starting your financial journey or looking to preserve wealth for future generations, this episode offers timeless insights into planning with purpose.</itunes:summary>
    </item>
    <item>
      <title>Why Investing in Yourself is the Best Financial Decision</title>
      <description><![CDATA[Ximena Aleman, CEO and co-founder of Prometeo, shares her incredible journey from growing up in Montevideo, Uruguay, to leading a fintech infrastructure company in Latin America. She discusses the financial challenges of her childhood, and how she navigated a transition from a career in journalism to tech.  Ximena provides insights into Prometeo's work in revolutionizing financial services through open banking and API technology, and elaborates on the importance of financial inclusion in LATAM markets. She also touches on the future of fintech innovation and the impact of education and emotional skills.]]></description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20250115140253-MM011525_Ximena.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=52fb23c0-d373-11ef-bc38-3f364f2e80ba" type="audio/mpeg" length="37827440"/>
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      <itunes:duration>00:26:13</itunes:duration>
      <pubDate>Wed, 15 Jan 2025 14:01:00 -0500</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>Ximena Aleman, CEO and co-founder of Prometeo, shares her incredible journey from growing up in Montevideo, Uruguay, to leading a fintech infrastructure company in Latin America. She discusses the…</itunes:subtitle>
      <itunes:summary>Ximena Aleman, CEO and co-founder of Prometeo, shares her incredible journey from growing up in Montevideo, Uruguay, to leading a fintech infrastructure company in Latin America. She discusses the financial challenges of her childhood, and how she navigated a transition from a career in journalism to tech.  Ximena provides insights into Prometeo's work in revolutionizing financial services through open banking and API technology, and elaborates on the importance of financial inclusion in LATAM markets. She also touches on the future of fintech innovation and the impact of education and emotional skills.</itunes:summary>
    </item>
    <item>
      <title>From Caja de los Zapatos to Financial Freedom: Alejandra Lozano's Journey with Operation Hope</title>
      <description>Meet Alejandra Lozano, a dedicated Financial Wellbeing Coach for Operation HOPE, located inside Wells Fargo’s HOPE Inside center in South LA. With over seven years of experience in the finance industry, Alejandra is passionate about uplifting black and brown communities and empowering their financial journeys. Alejandra shares how her childhood experience with "la caja de los zapatos" (the shoe box) reflects the sentiment that many communities in the US feel about financial institutions.  She also shares some of the most powerful stories of transformation that Operation HOPE was able to provide.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20240719104338-2024_0719_AlejandraLozano_MM_PRIMARY.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=490ed1f0-45dd-11ef-9b05-35d9e420d5f8" type="audio/mpeg" length="29138068"/>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Meet Alejandra Lozano, a dedicated Financial Wellbeing Coach for </span><a href="https://www.wellsfargo.com/jump/enterprise/banking-inclusion-initiative/" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Operation HOPE</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">, located inside Wells Fargo’s HOPE Inside center in South LA. With over seven years of experience in the finance industry, Alejandra is passionate about uplifting black and brown communities and empowering their financial journeys. Alejandra shares how her childhood experience with "la caja de los zapatos" (the shoe box) reflects the sentiment that many communities in the US feel about financial institutions. She also shares some of the most powerful stories of transformation that Operation HOPE was able to provide. </span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:20:11</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Fri, 19 Jul 2024 10:31:00 -0400</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>Meet Alejandra Lozano, a dedicated Financial Wellbeing Coach for Operation HOPE, located inside Wells Fargo’s HOPE Inside center in South LA. With over seven years of experience in the finance i…</itunes:subtitle>
      <itunes:summary>Meet Alejandra Lozano, a dedicated Financial Wellbeing Coach for Operation HOPE, located inside Wells Fargo’s HOPE Inside center in South LA. With over seven years of experience in the finance industry, Alejandra is passionate about uplifting black and brown communities and empowering their financial journeys. Alejandra shares how her childhood experience with "la caja de los zapatos" (the shoe box) reflects the sentiment that many communities in the US feel about financial institutions.  She also shares some of the most powerful stories of transformation that Operation HOPE was able to provide.</itunes:summary>
    </item>
    <item>
      <title>One Founder's Journey from Small Town Roots to Becoming a Tech Titan</title>
      <description>Hans Koch is the CEO of the augmented reality platform MyXR. Hans shares poignant memories of growing up in Southwestern Michigan, reflecting on his early money lessons and the influence of his father’s entrepreneurial spirit. He delves into the impact of his father's battle with ALS, which in turn shaped his outlook on life and business. Hans recounts his first ventures into real estate and technology, the founding of Owners.com, and his current role at MyXR. The discussion spans topics from early entrepreneurial inspirations to the latest tech innovations. Hans offers insights on mistakes made along the way and lessons learned, emphasizing the importance of efficient scaling and strategic financial planning.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20240627131424-2024_0627_HansKoch_MM_PRIMARY.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=b389c490-34a8-11ef-b5d0-a7705f44e298" type="audio/mpeg" length="23995917"/>
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      <content:encoded><![CDATA[<p>Hans Koch is the CEO of the augmented reality platform MyXR. Hans shares poignant memories of growing up in Southwestern Michigan, reflecting on his early money lessons and the influence of his father’s entrepreneurial spirit. He delves into the impact of his father's battle with ALS, which in turn shaped his outlook on life and business. Hans recounts his first ventures into real estate and technology, the founding of Owners. com, and his current role at MyXR. The discussion spans topics from early entrepreneurial inspirations to the latest tech innovations. Hans offers insights on mistakes made along the way and lessons learned, emphasizing the importance of efficient scaling and strategic financial planning. </p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:24:56</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 27 Jun 2024 12:26:00 -0400</pubDate>
      <itunes:explicit>no</itunes:explicit>
      <itunes:subtitle>Hans Koch is the CEO of the augmented reality platform MyXR. Hans shares poignant memories of growing up in Southwestern Michigan, reflecting on his early money lessons and the influence of his…</itunes:subtitle>
      <itunes:summary>Hans Koch is the CEO of the augmented reality platform MyXR. Hans shares poignant memories of growing up in Southwestern Michigan, reflecting on his early money lessons and the influence of his father’s entrepreneurial spirit. He delves into the impact of his father's battle with ALS, which in turn shaped his outlook on life and business. Hans recounts his first ventures into real estate and technology, the founding of Owners.com, and his current role at MyXR. The discussion spans topics from early entrepreneurial inspirations to the latest tech innovations. Hans offers insights on mistakes made along the way and lessons learned, emphasizing the importance of efficient scaling and strategic financial planning.</itunes:summary>
    </item>
    <item>
      <title>Is That Really What I Wake Up Everyday To Do? [Archive]</title>
      <description>Tosin Mills is the product and growth strategy manager at Microsoft. She received her bachelor’s degree from the University of Pennsylvania, and an MBA from the MIT Sloan School of Management. Tosin shares how her experience of moving from Nigeria to the United States played an important role in her understanding of the value of money, and what her favorite money slogan is.&#13;
&#13;
Bonus: I found an NFT expert to answer your pressing questions about how this hot new fintech innovation actually works.&#13;
&#13;
This episode originally aired on February 16th, 2022.</description>
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      <content:encoded><![CDATA[<p>Tosin Mills is the product and growth strategy manager at Microsoft. She received her bachelor’s degree from the University of Pennsylvania, and an MBA from the MIT Sloan School of Management. Tosin shares how her experience of moving from Nigeria to the United States played an important role in her understanding of the value of money, and what her favorite money slogan is.</p><p><br></p><p>Bonus: I found an NFT expert to answer your pressing questions about how this hot new fintech innovation actually works.</p><p><br></p><p>This episode originally aired on February 16th, 2022.</p>]]></content:encoded>
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      <itunes:duration>00:16:03</itunes:duration>
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      <pubDate>Wed, 01 May 2024 20:57:00 -0400</pubDate>
      <itunes:subtitle>Tosin Mills is the product and growth strategy manager at Microsoft. She received her bachelor’s degree from the University of Pennsylvania, and an MBA from the MIT Sloan School of Management. Tosin …</itunes:subtitle>
      <itunes:summary>Tosin Mills is the product and growth strategy manager at Microsoft. She received her bachelor’s degree from the University of Pennsylvania, and an MBA from the MIT Sloan School of Management. Tosin shares how her experience of moving from Nigeria to the United States played an important role in her understanding of the value of money, and what her favorite money slogan is.&#13;
&#13;
Bonus: I found an NFT expert to answer your pressing questions about how this hot new fintech innovation actually works.&#13;
&#13;
This episode originally aired on February 16th, 2022.</itunes:summary>
    </item>
    <item>
      <title>The Dangers of Being Penny Wise, Pound Foolish</title>
      <description>In this episode, guest John Hill reflects on his childhood lessons in saving and the importance of compound interest instilled by his family in Western Pennsylvania. Transitioning to a career in asset management, John shares insights into founding Quorus, a technology-enabled asset manager aimed at personalizing investment portfolios. John also offers beginner tips for financial wellness, and when it's OK to reach out to a professional for financial planning help.</description>
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      <content:encoded><![CDATA[<p>In this episode, guest John Hill reflects on his childhood lessons in saving and the importance of compound interest instilled by his family in Western Pennsylvania. Transitioning to a career in asset management, John shares insights into founding <a href="http://quorus.io/" target="_blank" style="color: rgb(17, 85, 204);">Quorus</a>, a technology-enabled asset manager aimed at personalizing investment portfolios. John also offers beginner tips for financial wellness, and when it's OK to reach out to a professional for financial planning help.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:26:30</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 18 Apr 2024 16:35:00 -0400</pubDate>
      <itunes:subtitle>In this episode, guest John Hill reflects on his childhood lessons in saving and the importance of compound interest instilled by his family in Western Pennsylvania. Transitioning to a career in…</itunes:subtitle>
      <itunes:summary>In this episode, guest John Hill reflects on his childhood lessons in saving and the importance of compound interest instilled by his family in Western Pennsylvania. Transitioning to a career in asset management, John shares insights into founding Quorus, a technology-enabled asset manager aimed at personalizing investment portfolios. John also offers beginner tips for financial wellness, and when it's OK to reach out to a professional for financial planning help.</itunes:summary>
    </item>
    <item>
      <title>Empowering Financial Inclusion: One Leader’s Global Journey to Fintech Innovation [Archival Episode]</title>
      <description>Leslie Gillin is the Chief Growth Officer of Pagaya, a lending platform that uses artificial intelligence to improve credit decision-making. Leslie shares how her mother instilled the importance of financial independence early on, and the challenges she faced around unconscious biases as a woman in the C-suite. This is an archival episode from October 2023.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20240328093055-20231018115736-10182023_Lesley_MM_PRIMARY.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20240328093055-20231018115736-10182023_Lesley_MM_PRIMARY" type="audio/mpeg" length="31489716"/>
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      <content:encoded><![CDATA[<p>Leslie Gillin is the Chief Growth Officer of Pagaya, a lending platform that uses artificial intelligence to improve credit decision-making. Leslie shares how her mother instilled the importance of financial independence early on, and the challenges she faced around unconscious biases as a woman in the C-suite. This is an archival episode from October 2023.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:21:49</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 28 Mar 2024 09:26:00 -0400</pubDate>
      <itunes:subtitle>Leslie Gillin is the Chief Growth Officer of Pagaya, a lending platform that uses artificial intelligence to improve credit decision-making. Leslie shares how her mother instilled the importance of…</itunes:subtitle>
      <itunes:summary>Leslie Gillin is the Chief Growth Officer of Pagaya, a lending platform that uses artificial intelligence to improve credit decision-making. Leslie shares how her mother instilled the importance of financial independence early on, and the challenges she faced around unconscious biases as a woman in the C-suite. This is an archival episode from October 2023.</itunes:summary>
    </item>
    <item>
      <title>A Journey to Financial Empowerment with the CEO of Accrue Savings</title>
      <description>A conversation with Michael Hershfield, CEO of Accrue Savings. From his humble beginnings in Canada to his entrepreneurial ventures and eventual founding of Accrue, Michael shares poignant insights into the importance of financial literacy, responsible spending, and the mission to revolutionize savings behavior in America. We talk about Michael’s lessons learned from failed ventures, and his vision for a future where every American can achieve financial wellness.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20240314090748-2024_0314_Accrue_MM_PRIMARY.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20240314090748-2024_0314_Accrue_MM_PRIMARY" type="audio/mpeg" length="12901608"/>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(52, 52, 52);">A conversation with Michael Hershfield, CEO of </span><a href="https://www.accruesavings.com/" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Accrue Savings</a><span style="background-color: rgb(255, 255, 255); color: rgb(52, 52, 52);">. From his humble beginnings in Canada to his entrepreneurial ventures and eventual founding of Accrue, Michael shares poignant insights into the importance of financial literacy, responsible spending, and the mission to revolutionize savings behavior in America. We talk about Michael’s lessons learned from failed ventures, and his vision for a future where every American can achieve financial wellness.</span></p>]]></content:encoded>
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      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:13:22</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 14 Mar 2024 08:58:00 -0400</pubDate>
      <itunes:subtitle>A conversation with Michael Hershfield, CEO of Accrue Savings. From his humble beginnings in Canada to his entrepreneurial ventures and eventual founding of Accrue, Michael shares poignant insights…</itunes:subtitle>
      <itunes:summary>A conversation with Michael Hershfield, CEO of Accrue Savings. From his humble beginnings in Canada to his entrepreneurial ventures and eventual founding of Accrue, Michael shares poignant insights into the importance of financial literacy, responsible spending, and the mission to revolutionize savings behavior in America. We talk about Michael’s lessons learned from failed ventures, and his vision for a future where every American can achieve financial wellness.</itunes:summary>
    </item>
    <item>
      <title>Why Net Worth is Not Self Worth [Archive Episode]</title>
      <description>This episode originally aired on July 13th, 2022. As a new college graduate living in New York City, Aja Evans thought she had made it. She quickly realized, however, that the weekly bottomless brunches add up. Eventually, she took control of her spending habits. Today, Aja is a licensed mental health counselor specializing in financial wellness. She shares how her personal journey informed her decision to offer this unique angle to her therapy practice.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20240222114925-2024_0221_MM_Reair_AjaEvans.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20240222114925-2024_0221_MM_Reair_AjaEvans" type="audio/mpeg" length="20735835"/>
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      <content:encoded><![CDATA[<p>This episode originally aired on July 13th, 2022. As a new college graduate living in New York City, Aja Evans thought she had made it. She quickly realized, however, that the weekly bottomless brunches add up. Eventually, she took control of her spending habits. Today, Aja is a licensed mental health counselor specializing in financial wellness. She shares how her personal journey informed her decision to offer this unique angle to her therapy practice.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:21:32</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 22 Feb 2024 11:43:00 -0500</pubDate>
      <itunes:subtitle>This episode originally aired on July 13th, 2022. As a new college graduate living in New York City, Aja Evans thought she had made it. She quickly realized, however, that the weekly bottomless…</itunes:subtitle>
      <itunes:summary>This episode originally aired on July 13th, 2022. As a new college graduate living in New York City, Aja Evans thought she had made it. She quickly realized, however, that the weekly bottomless brunches add up. Eventually, she took control of her spending habits. Today, Aja is a licensed mental health counselor specializing in financial wellness. She shares how her personal journey informed her decision to offer this unique angle to her therapy practice.</itunes:summary>
    </item>
    <item>
      <title>Unleashing Your Financial Superpowers with Arta Finance</title>
      <description>We talk to Caesar Sengupta, the founder of Arta, a technology platform revolutionizing the world of personal finance. We delve into Caesar's background and his journey from growing up in India to studying computer science at Stanford and eventually joining Google. Caesar shares his early money memories and the shift in his mindset towards money as he discovered the financial superpowers of the ultra-rich. The conversation explores the founding of Arta and its mission to unlock these financial opportunities for everyone, providing insights into investing, alternative assets, and the importance of starting early to build generational wealth.</description>
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      <content:encoded><![CDATA[<p>We talk to Caesar Sengupta, the founder of <a href="https://artafinance.com/" target="_blank" style="color: rgb(17, 85, 204);">Arta</a>, a technology platform revolutionizing the world of personal finance. We delve into Caesar's background and his journey from growing up in India to studying computer science at Stanford and eventually joining Google. Caesar shares his early money memories and the shift in his mindset towards money as he discovered the financial superpowers of the ultra-rich. The conversation explores the founding of Arta and its mission to unlock these financial opportunities for everyone, providing insights into investing, alternative assets, and the importance of starting early to build generational wealth.</p><p><br></p><p><br></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:20:01</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 31 Jan 2024 10:32:00 -0500</pubDate>
      <itunes:subtitle>We talk to Caesar Sengupta, the founder of Arta, a technology platform revolutionizing the world of personal finance. We delve into Caesar's background and his journey from growing up in India to…</itunes:subtitle>
      <itunes:summary>We talk to Caesar Sengupta, the founder of Arta, a technology platform revolutionizing the world of personal finance. We delve into Caesar's background and his journey from growing up in India to studying computer science at Stanford and eventually joining Google. Caesar shares his early money memories and the shift in his mindset towards money as he discovered the financial superpowers of the ultra-rich. The conversation explores the founding of Arta and its mission to unlock these financial opportunities for everyone, providing insights into investing, alternative assets, and the importance of starting early to build generational wealth.</itunes:summary>
    </item>
    <item>
      <title>From Childhood Portfolios to Fintech Innovation: Brian Barnes on Building M1 Finance</title>
      <description>Brian Barnes is the founder and CEO of the wealth management platform M1 Finance.  Founded in 2015, the company uses digital tools to help customers automate the way that they invest and save.  Brian shares how a stock pitch competition in school shaped his passion for investing, and how this experience later influenced his philosophy for M1.  He also shares his three key tips for long-term financial wellness.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20240117120735-01172024_BrianBarnesM1Finance_MM_PRIMARY.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20240117120735-01172024_BrianBarnesM1Finance_MM_PRIMARY" type="audio/mpeg" length="27240534"/>
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      <content:encoded><![CDATA[<p>Brian Barnes is the founder and CEO of the wealth management platform M1 Finance. Founded in 2015, the company uses digital tools to help customers automate the way that they invest and save. Brian shares how a stock pitch competition in school shaped his passion for investing, and how this experience later influenced his philosophy for M1. He also shares his three key tips for long-term financial wellness.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:28:18</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 17 Jan 2024 12:03:00 -0500</pubDate>
      <itunes:subtitle>Brian Barnes is the founder and CEO of the wealth management platform M1 Finance. Founded in 2015, the company uses digital tools to help customers automate the way that they invest and save. Brian…</itunes:subtitle>
      <itunes:summary>Brian Barnes is the founder and CEO of the wealth management platform M1 Finance.  Founded in 2015, the company uses digital tools to help customers automate the way that they invest and save.  Brian shares how a stock pitch competition in school shaped his passion for investing, and how this experience later influenced his philosophy for M1.  He also shares his three key tips for long-term financial wellness.</itunes:summary>
    </item>
    <item>
      <title>Can Student Loans and Savings Coexist? [Archive Episode]</title>
      <description>Eryn Schultz is the founder of pHERsonal Finance Day, a platform that offers courses and content tailored to high-earning women. Eryn is a graduate of Georgetown University and Harvard Business School. She discusses what inspired her to plunge into entrepreneurship, and answers your questions about student loans.                                                                                         &#13;
                                                                                                                          &#13;
This episode is an archive episode from February 24th, 2021.</description>
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      <content:encoded><![CDATA[<p>Eryn Schultz is the founder of pHERsonal Finance Day, a platform that offers courses and content tailored to high-earning women. Eryn is a graduate of Georgetown University and Harvard Business School. She discusses what inspired her to plunge into entrepreneurship, and answers your questions about student loans.                                             </p><p>                                                              </p><p>This episode is an archival episode from February 24th, 2021.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:11:40</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 03 Jan 2024 16:53:00 -0500</pubDate>
      <itunes:subtitle>Eryn Schultz is the founder of pHERsonal Finance Day, a platform that offers courses and content tailored to high-earning women. Eryn is a graduate of Georgetown University and Harvard Business…</itunes:subtitle>
      <itunes:summary>Eryn Schultz is the founder of pHERsonal Finance Day, a platform that offers courses and content tailored to high-earning women. Eryn is a graduate of Georgetown University and Harvard Business School. She discusses what inspired her to plunge into entrepreneurship, and answers your questions about student loans.                                                                                         &#13;
                                                                                                                          &#13;
This episode is an archive episode from February 24th, 2021.</itunes:summary>
    </item>
    <item>
      <title>From Sailing Dreams to Boating Empire: The Catamaran Guru Success Story</title>
      <description>A conversation with Estelle and Stephen Cockcroft, the founders of Catamaran Guru, a boating business. They discuss their journey in yacht brokering, how their early childhood experiences in South Africa inspired them on their quest to sail around the world, and the key to a harmonious business and personal relationship.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20231206001827-12052023_CatermanGuru_MM_PRIMARY.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20231206001827-12052023_CatermanGuru_MM_PRIMARY" type="audio/mpeg" length="37079502"/>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(52, 52, 52);">A conversation with Estelle and Stephen Cockcroft, the founders of </span><a href="https://catamaranguru.com/" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Catamaran Guru</a><span style="background-color: rgb(255, 255, 255); color: rgb(52, 52, 52);">, a boating business. They discuss their journey in yacht brokering, how their early childhood experiences in South Africa inspired them on their quest to sail around the world, and the key to a harmonious business and personal relationship. </span></p><p><br></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:25:42</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 07 Dec 2023 07:00:00 -0500</pubDate>
      <itunes:subtitle>A conversation with Estelle and Stephen Cockcroft, the founders of Catamaran Guru, a boating business. They discuss their journey in yacht brokering, how their early childhood experiences in South…</itunes:subtitle>
      <itunes:summary>A conversation with Estelle and Stephen Cockcroft, the founders of Catamaran Guru, a boating business. They discuss their journey in yacht brokering, how their early childhood experiences in South Africa inspired them on their quest to sail around the world, and the key to a harmonious business and personal relationship.</itunes:summary>
    </item>
    <item>
      <title>Revolutionizing Financial Services for America's Workforce</title>
      <description>Nico Simko is the founder and CEO of Clair, a digital banking app that allows customers to access funds from their paycheck sooner.  Nico built Clair on one simple premise; if you can send money instantly to your friends via Venmo, then why can’t you receive your paycheck as soon as you complete a job?  Nico discusses how his multicultural Swiss upbringing shaped his views on money, his journey into entrepreneurship, and the startup lessons that we could all apply when making our personal budgets.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20231122092209-11222023_NicoofClair_MM_PRIMARY.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20231122092209-11222023_NicoofClair_MM_PRIMARY" type="audio/mpeg" length="22056168"/>
      <guid isPermaLink="false">85c1d170-8942-11ee-89c5-876ad6814d0e</guid>
      <content:encoded><![CDATA[<p><span style="background-color: transparent; color: rgb(0, 0, 0);">Nico Simko is the founder and CEO of </span><a href="https://getclair.com/" target="_blank" style="background-color: transparent; color: rgb(17, 85, 204);">Clair</a><span style="background-color: transparent; color: rgb(0, 0, 0);">, a digital banking app that allows customers to access funds from their paycheck sooner.  Nico built Clair on one simple premise; if you can send money instantly to your friends via Venmo, then why can’t you receive your paycheck as soon as you complete a job?  Nico discusses how his multicultural Swiss upbringing shaped his views on money, his journey into entrepreneurship, and the startup lessons that we could all apply when making our personal budgets.  </span></p><p><br></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:15:16</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 22 Nov 2023 09:19:00 -0500</pubDate>
      <itunes:subtitle>Nico Simko is the founder and CEO of Clair, a digital banking app that allows customers to access funds from their paycheck sooner. Nico built Clair on one simple premise; if you can send money…</itunes:subtitle>
      <itunes:summary>Nico Simko is the founder and CEO of Clair, a digital banking app that allows customers to access funds from their paycheck sooner.  Nico built Clair on one simple premise; if you can send money instantly to your friends via Venmo, then why can’t you receive your paycheck as soon as you complete a job?  Nico discusses how his multicultural Swiss upbringing shaped his views on money, his journey into entrepreneurship, and the startup lessons that we could all apply when making our personal budgets.</itunes:summary>
    </item>
    <item>
      <title>Building a $200 Million Real Estate Portfolio One Duplex at a Time</title>
      <description>Drew Breneman is the founder and CEO of the real estate platform, Breneman Capital.  Drew shares how his initial journey into real estate began with a successful online business in high school. A business which, over time, evolved into a $200 million portfolio.  Drew discusses why he believes that real estate is still a meaningful tool for building long-term wealth, and the number one thing that he wishes he had done sooner.</description>
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      <content:encoded><![CDATA[<p>Drew Breneman is the founder and CEO of the real estate platform, Breneman Capital. Drew shares how his initial journey into real estate began with a successful online business in high school. A business which, over time, evolved into a $200 million portfolio. Drew discusses why he believes that real estate is still a meaningful tool for building long-term wealth, and the number one thing that he wishes he had done sooner.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:19:23</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Fri, 03 Nov 2023 11:59:00 -0400</pubDate>
      <itunes:subtitle>Drew Breneman is the founder and CEO of the real estate platform, Breneman Capital. Drew shares how his initial journey into real estate began with a successful online business in high school. A…</itunes:subtitle>
      <itunes:summary>Drew Breneman is the founder and CEO of the real estate platform, Breneman Capital.  Drew shares how his initial journey into real estate began with a successful online business in high school. A business which, over time, evolved into a $200 million portfolio.  Drew discusses why he believes that real estate is still a meaningful tool for building long-term wealth, and the number one thing that he wishes he had done sooner.</itunes:summary>
    </item>
    <item>
      <title>Empowering Financial Inclusion: One Leader's Global Journey to Fintech Innovation</title>
      <description>Leslie Gillin is the Chief Growth Officer of Pagaya, a lending platform that uses artificial intelligence to improve credit decision-making.  Leslie shares how her mother instilled the importance of financial independence early on, and the challenges she faced around unconscious biases as a woman in the C-suite.</description>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Leslie Gillin is the Chief Growth Officer of </span><a href="https://www.forbes.com/sites/ilonalimonta-volkova/2022/12/20/whatever-happened-to-spacs/" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Pagaya</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">, a lending platform that uses artificial intelligence to improve credit decision-making. Leslie shares how her mother instilled the importance of financial independence early on, and the challenges she faced around unconscious biases as a woman in the C-suite. </span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:21:49</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 18 Oct 2023 11:55:00 -0400</pubDate>
      <itunes:subtitle>Leslie Gillin is the Chief Growth Officer of Pagaya, a lending platform that uses artificial intelligence to improve credit decision-making. Leslie shares how her mother instilled the importance of…</itunes:subtitle>
      <itunes:summary>Leslie Gillin is the Chief Growth Officer of Pagaya, a lending platform that uses artificial intelligence to improve credit decision-making.  Leslie shares how her mother instilled the importance of financial independence early on, and the challenges she faced around unconscious biases as a woman in the C-suite.</itunes:summary>
    </item>
    <item>
      <title>How to Turn Your Passion into Profit</title>
      <description>Chase Allen is a South Carolina-based iron artist.  He discusses his transition from real estate marketing to founding his artistic venture, Iron Fish Art. Raised by a single mother, he recalls early financial struggles and being inspired by creative trailblazers. In spite of skepticism, he dived into his passion for metalworking, even funding his business through credit cards. Chase's story emphasizes the significance of appreciating assets, keeping overhead low, and embracing calculated risks. He sheds light on the financial realities behind seemingly successful individuals and advocates for slow, steady financial progress.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20230915120821-09142023_MM_ChaseAllen_Primary.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20230915120821-09142023_MM_ChaseAllen_Primary" type="audio/mpeg" length="27517223"/>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Chase Allen is a South Carolina-based iron artist. He discusses his transition from real estate marketing to founding his artistic venture, Iron Fish Art. Raised by a single mother, he recalls early financial struggles and being inspired by creative trailblazers. In spite of skepticism, he dived into his passion for metalworking, even funding his business through credit cards. Chase's story emphasizes the significance of appreciating assets, keeping overhead low, and embracing calculated risks. He sheds light on the financial realities behind seemingly successful individuals and advocates for slow, steady financial progress.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:28:36</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Fri, 15 Sep 2023 12:06:00 -0400</pubDate>
      <itunes:subtitle>Chase Allen is a South Carolina-based iron artist. He discusses his transition from real estate marketing to founding his artistic venture, Iron Fish Art. Raised by a single mother, he recalls early…</itunes:subtitle>
      <itunes:summary>Chase Allen is a South Carolina-based iron artist.  He discusses his transition from real estate marketing to founding his artistic venture, Iron Fish Art. Raised by a single mother, he recalls early financial struggles and being inspired by creative trailblazers. In spite of skepticism, he dived into his passion for metalworking, even funding his business through credit cards. Chase's story emphasizes the significance of appreciating assets, keeping overhead low, and embracing calculated risks. He sheds light on the financial realities behind seemingly successful individuals and advocates for slow, steady financial progress.</itunes:summary>
    </item>
    <item>
      <title>Unlocking Financial Wellness with a 'Titan'</title>
      <description><![CDATA[Joe Percoco is the CEO and founder of the wealth management fintech Titan, which aims to provide elite capital management for everyday Americans.  Joe shares his upbringing in a small New Jersey town, his earliest money memory of receiving a bond as a gift, and how his experience as an outsider working on Wall Street inspired him to develop a solution to empower individuals with better investment solutions.]]></description>
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      <itunes:duration>00:18:11</itunes:duration>
      <pubDate>Thu, 03 Aug 2023 13:34:00 -0400</pubDate>
      <itunes:subtitle>Joe Percoco is the CEO and founder of the wealth management fintech Titan, which aims to provide elite capital management for everyday Americans. Joe shares his upbringing in a small New Jersey…</itunes:subtitle>
      <itunes:summary>Joe Percoco is the CEO and founder of the wealth management fintech Titan, which aims to provide elite capital management for everyday Americans.  Joe shares his upbringing in a small New Jersey town, his earliest money memory of receiving a bond as a gift, and how his experience as an outsider working on Wall Street inspired him to develop a solution to empower individuals with better investment solutions.</itunes:summary>
    </item>
    <item>
      <title>From Bar Soap to Robots: One CEO's Journey to the Peak of AI</title>
      <description>Steve Carlin is the CEO of AiFi, an AI platform that enables retailers to scale autonomous shopping solutions.  Although Steve began his career working with consumer products, he eventually found his calling working with cutting-edge technology firms.  Steve shares the financial lessons he has held onto along the way, and why it's never a bad idea to ride the career "brontosaurus."</description>
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      <content:encoded><![CDATA[<p>Steve Carlin is the CEO of <a href="https://aifi.com/" target="_blank" style="color: rgb(17, 85, 204);">AiFi</a>, an AI platform that enables retailers to scale autonomous shopping solutions. Although Steve began his career working with consumer products, he eventually found his calling working with cutting-edge technology firms. Steve shares the financial lessons he has held onto along the way, and why it's never a bad idea to ride the career "brontosaurus."</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:21:33</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 13 Jul 2023 10:26:00 -0400</pubDate>
      <itunes:subtitle>Steve Carlin is the CEO of AiFi, an AI platform that enables retailers to scale autonomous shopping solutions. Although Steve began his career working with consumer products, he eventually found his…</itunes:subtitle>
      <itunes:summary>Steve Carlin is the CEO of AiFi, an AI platform that enables retailers to scale autonomous shopping solutions.  Although Steve began his career working with consumer products, he eventually found his calling working with cutting-edge technology firms.  Steve shares the financial lessons he has held onto along the way, and why it's never a bad idea to ride the career "brontosaurus."</itunes:summary>
    </item>
    <item>
      <title>Dragging Your Way Into Self-Expression (Archive Episode)</title>
      <description>A 2021 study by the Human Rights Campaign found that LGBTQ+ individuals are 6 percentage points more likely to live in poverty and that they earn, on average, approximately 89 cents for every dollar earned by their non-LGBTQ+ counterparts.  Money Memories is celebrating pride month and re-airing this conversation with the Berlin-based drag artist Karlie Kant.  Karlie shares the financial challenges that creatives face, and what it's like to live in two different worlds.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20230621141106-06212023_MM_KarlieKantArchiveEpisode_MIX.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20230621141106-06212023_MM_KarlieKantArchiveEpisode_MIX" type="audio/mpeg" length="17721931"/>
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      <content:encoded><![CDATA[<p><a href="https://www.hrc.org/resources/the-wage-gap-among-lgbtq-workers-in-the-united-states" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">A 2021 study by the Human Rights Campaign</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);"> found that LGBTQ+ individuals are 6 percentage points more likely to live in poverty and that they earn, on average, approximately 89 cents for every dollar earned by their non-LGBTQ+ counterparts. Money Memories is celebrating pride month and re-airing this conversation with the Berlin-based drag artist Karlie Kant. Karlie shares the financial challenges that creatives face, and what it's like to live in two different worlds.  </span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:18:24</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 21 Jun 2023 13:55:00 -0400</pubDate>
      <itunes:subtitle>A 2021 study by the Human Rights Campaign found that LGBTQ+ individuals are 6 percentage points more likely to live in poverty and that they earn, on average, approximately 89 cents for every dollar…</itunes:subtitle>
      <itunes:summary>A 2021 study by the Human Rights Campaign found that LGBTQ+ individuals are 6 percentage points more likely to live in poverty and that they earn, on average, approximately 89 cents for every dollar earned by their non-LGBTQ+ counterparts.  Money Memories is celebrating pride month and re-airing this conversation with the Berlin-based drag artist Karlie Kant.  Karlie shares the financial challenges that creatives face, and what it's like to live in two different worlds.</itunes:summary>
    </item>
    <item>
      <title>Overcoming Self-Doubt to Achieve Financial Independence</title>
      <description>Conversations around financial independence can often feel exclusionary.  Much of the personal finance content that is available seems like it caters to people who haven't faced financial hardships.  This week's guest, Alex Shapero, is a public high school teacher.  Alex shares his emotional response to seeing large sums of debt, and the importance of balancing financial growth with self-care.</description>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Conversations around financial independence can often feel exclusionary. Much of the personal finance content that is available seems like it caters to people who haven't faced financial hardships. This week's guest, Alex Shapero, is a public high school teacher. Alex shares his emotional response to seeing large sums of debt and the importance of balancing financial growth with self-care. </span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:19:38</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 07 Jun 2023 13:08:00 -0400</pubDate>
      <itunes:subtitle>Conversations around financial independence can often feel exclusionary. Much of the personal finance content that is available seems like it caters to people who haven't faced financial hardships.…</itunes:subtitle>
      <itunes:summary>Conversations around financial independence can often feel exclusionary.  Much of the personal finance content that is available seems like it caters to people who haven't faced financial hardships.  This week's guest, Alex Shapero, is a public high school teacher.  Alex shares his emotional response to seeing large sums of debt, and the importance of balancing financial growth with self-care.</itunes:summary>
    </item>
    <item>
      <title>How This Startup Uses AI to Help People Build Credit</title>
      <description>Today, 34% of Americans are "credit invisible;" They lack access to basic lending products such as credit cards.  Upstart is on a mission to change that.  The fintech platform uses AI models to improve access to affordable credit.  In this conversation with CEO and co-founder David Girouard, we discuss how his humble upbringing opened his eyes to the challenges the financial challenges that typical Americans face, and why he is an advocate for Upstart's mission.</description>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Today, 34% of Americans are "credit invisible;" They lack access to basic lending products such as credit cards.  </span><a href="https://www.upstart.com/" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Upstart</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);"> is on a mission to change that. The fintech platform uses AI models to improve access to affordable credit. In this conversation with CEO and co-founder David Girouard, we discuss how his humble upbringing opened his eyes to the challenges the financial challenges that typical Americans face, and why he is an advocate for Upstart's mission.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:22:42</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 24 May 2023 11:02:00 -0400</pubDate>
      <itunes:subtitle>Today, 34% of Americans are "credit invisible;" They lack access to basic lending products such as credit cards. Upstart is on a mission to change that. The fintech platform uses AI models…</itunes:subtitle>
      <itunes:summary>Today, 34% of Americans are "credit invisible;" They lack access to basic lending products such as credit cards.  Upstart is on a mission to change that.  The fintech platform uses AI models to improve access to affordable credit.  In this conversation with CEO and co-founder David Girouard, we discuss how his humble upbringing opened his eyes to the challenges the financial challenges that typical Americans face, and why he is an advocate for Upstart's mission.</itunes:summary>
    </item>
    <item>
      <title>An Author's Global Journey from Finance to Culinary Writing</title>
      <description>Reem Kassis is an award-winning Palestinian writer whose work focuses on the intersection of food, history, and politics.  Her cookbook, “The Arabesque Table,” has received rave reviews and was listed on the New York Times' Best Cookbooks of 2021.  Reem talks about how she was able to overcome cultural taboos around money talks, and why she is teaching her daughters the importance of self-worth. &#13;
&#13;
Reem Kassis’s website: https://www.reemkassis.com/</description>
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      <content:encoded><![CDATA[<p>Reem Kassis is an award-winning Palestinian writer whose work focuses on the intersection of food, history, and politics. Her cookbook, “The Arabesque Table,” has received rave reviews and was listed on the New York Times' Best Cookbooks of 2021. Reem talks about how she was able to overcome cultural taboos around money talks, and why she is teaching her daughters the importance of self-worth. </p><p><br></p><p>Reem Kassis’s website: https://www.reemkassis.com/</p>]]></content:encoded>
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      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:18:45</itunes:duration>
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      <pubDate>Wed, 10 May 2023 10:00:00 -0400</pubDate>
      <itunes:subtitle>Reem Kassis is an award-winning Palestinian writer whose work focuses on the intersection of food, history, and politics. Her cookbook, “The Arabesque Table,” has received rave reviews and was lis…</itunes:subtitle>
      <itunes:summary>Reem Kassis is an award-winning Palestinian writer whose work focuses on the intersection of food, history, and politics.  Her cookbook, “The Arabesque Table,” has received rave reviews and was listed on the New York Times' Best Cookbooks of 2021.  Reem talks about how she was able to overcome cultural taboos around money talks, and why she is teaching her daughters the importance of self-worth. &#13;
&#13;
Reem Kassis’s website: https://www.reemkassis.com/</itunes:summary>
    </item>
    <item>
      <title>Why Your New Year's Resolution Should Be to Increase Your Emergency Fund</title>
      <description>Stefanie O'Connell Rodriguez is a personal finance writer and host of the Real Simple podcast "Money Confidential."  She describes how her upbringing as a child of immigrant parents influenced her attitude around frugality, and made her realize that the common discourse around money didn't speak to her experience.  Plus, we talk about why the common recommendation for emergency fund savings might not be enough for you.</description>
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      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:20:26</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 04 Jan 2023 16:08:00 -0500</pubDate>
      <itunes:subtitle>Stefanie O'Connell Rodriguez is a personal finance writer and host of the Real Simple podcast "Money Confidential." She describes how her upbringing as a child of immigrant parents…</itunes:subtitle>
      <itunes:summary>Stefanie O'Connell Rodriguez is a personal finance writer and host of the Real Simple podcast "Money Confidential."  She describes how her upbringing as a child of immigrant parents influenced her attitude around frugality, and made her realize that the common discourse around money didn't speak to her experience.  Plus, we talk about why the common recommendation for emergency fund savings might not be enough for you.</itunes:summary>
    </item>
    <item>
      <title>A Holiday Guide to Personal Finances</title>
      <description>Chris Ramos is a personal finance aficionado.  Chris received his undergraduate degree from Virginia Tech University, and proceeded to work in government for several years before deciding to pursue an MBA.  He was admitted to the Tuck School of Business at Dartmouth, and faced a conundrum: attend a prestigious school and take on debt, or forgo the opportunity to avoid the expense? We talk about how his mom taught him the most important lessons about credit, how to leverage the power of smart balance transfers, and the risks and rewards of taking on student loans.</description>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Chris Ramos is a personal finance aficionado. Chris received his undergraduate degree from Virginia Tech University, and proceeded to work in government for several years before deciding to pursue an MBA. He was admitted to the Tuck School of Business at Dartmouth, and faced a conundrum: attend a prestigious school and take on debt, or forgo the opportunity to avoid the expense? We talk about how his mom taught him the most important lessons about credit, how to leverage the power of smart balance transfers, and the risks and rewards of taking on student loans.  </span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:20:57</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 14 Dec 2022 10:13:00 -0500</pubDate>
      <itunes:subtitle>Chris Ramos is a personal finance aficionado. Chris received his undergraduate degree from Virginia Tech University, and proceeded to work in government for several years before deciding to pursue…</itunes:subtitle>
      <itunes:summary>Chris Ramos is a personal finance aficionado.  Chris received his undergraduate degree from Virginia Tech University, and proceeded to work in government for several years before deciding to pursue an MBA.  He was admitted to the Tuck School of Business at Dartmouth, and faced a conundrum: attend a prestigious school and take on debt, or forgo the opportunity to avoid the expense? We talk about how his mom taught him the most important lessons about credit, how to leverage the power of smart balance transfers, and the risks and rewards of taking on student loans.</itunes:summary>
    </item>
    <item>
      <title>The 3 Most Important Lessons Every Startup Founder Should Learn</title>
      <description>Miguel Fernandez is the founder of Capchase, a fintech platform that provides financing for software-as-a-service ("SaaS") companies.  Miguel shares some of the biggest mistakes he made as a startup founder, and how those lessons helped Capchase raise almost $1 billion in financing.  He also shares how growing up in Spain influenced his views on risk aversion, and who he is supporting in this World Cup.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20221207122913-MiguelCapchase.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20221207122913-MiguelCapchase" type="audio/mpeg" length="35778477"/>
      <guid isPermaLink="false">aaf156d0-7654-11ed-bdb1-2b69a658d07e</guid>
      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Miguel Fernandez is the founder of </span><a href="https://www.capchase.com/" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Capchase</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">, a fintech platform that provides financing for software-as-a-service ("SaaS") companies. Miguel shares some of the biggest mistakes he made as a startup founder, and how those lessons helped Capchase raise almost $1 billion in financing. He also shares how growing up in Spain influenced his views on risk aversion, and who he is supporting in this World Cup.  </span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:24:51</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 07 Dec 2022 12:27:00 -0500</pubDate>
      <itunes:subtitle>Miguel Fernandez is the founder of Capchase, a fintech platform that provides financing for software-as-a-service ("SaaS") companies. Miguel shares some of the biggest mistakes he made as…</itunes:subtitle>
      <itunes:summary>Miguel Fernandez is the founder of Capchase, a fintech platform that provides financing for software-as-a-service ("SaaS") companies.  Miguel shares some of the biggest mistakes he made as a startup founder, and how those lessons helped Capchase raise almost $1 billion in financing.  He also shares how growing up in Spain influenced his views on risk aversion, and who he is supporting in this World Cup.</itunes:summary>
    </item>
    <item>
      <title>Think Car Insurance is Boring? Think Again.</title>
      <description>Did you know that 13% of US drivers are uninsured? This week’s guest, Murray Macdonald, is on a mission to change that.  Murray is the co-founder of the insurtech company Just Insure, which aims to provide affordable coverage using advanced data analytics. Murray grew up in South Africa, and talks about how witnessing extreme income disparities influenced his belief in the importance of equal access.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20221201171509-MurrayMacdonald.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20221201171509-MurrayMacdonald" type="audio/mpeg" length="35920792"/>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Did you know that 13% of US drivers are uninsured? This week’s guest, Murray Macdonald, is on a mission to change that. Murray is the co-founder of the insurtech company </span><a href="https://www.just.insure/" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Just Insure,</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);"> which aims to provide affordable coverage using advanced data analytics. Murray grew up in South Africa, and talks about how witnessing extreme income disparities influenced his belief in the importance of equal access.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:24:57</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 01 Dec 2022 17:12:00 -0500</pubDate>
      <itunes:subtitle>Did you know that 13% of US drivers are uninsured? This week’s guest, Murray Macdonald, is on a mission to change that. Murray is the co-founder of the insurtech company Just Insure, which aims to p…</itunes:subtitle>
      <itunes:summary>Did you know that 13% of US drivers are uninsured? This week’s guest, Murray Macdonald, is on a mission to change that.  Murray is the co-founder of the insurtech company Just Insure, which aims to provide affordable coverage using advanced data analytics. Murray grew up in South Africa, and talks about how witnessing extreme income disparities influenced his belief in the importance of equal access.</itunes:summary>
    </item>
    <item>
      <title>Trading in a Suit for a Hard Hat</title>
      <description>Jake Blum is not only an esteemed host of his own podcast, called Quakers and Makers, he’s also a financial planner with Northwestern Mutual.  Jake shares what his keys to financial wellness are, and his journey from investment banking on Wall Street to running his own business.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20221117152508-JakeBlumFinal.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20221117152508-JakeBlumFinal" type="audio/mpeg" length="22474836"/>
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      <content:encoded><![CDATA[<p>Jake Blum is not only an esteemed host of his own podcast, called<a href="https://podcasts.apple.com/us/podcast/quakers-makers/id1519453736" target="_blank" style="color: rgb(17, 85, 204);"> Quakers and Makers,</a> he’s also a financial planner with Northwestern Mutual. Jake shares what his keys to financial wellness are, and his journey from investment banking on Wall Street to running his own business.</p><p><br></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:15:36</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 17 Nov 2022 15:23:00 -0500</pubDate>
      <itunes:subtitle>Jake Blum is not only an esteemed host of his own podcast, called Quakers and Makers, he’s also a financial planner with Northwestern Mutual. Jake shares what his keys to financial wellness are, and …</itunes:subtitle>
      <itunes:summary>Jake Blum is not only an esteemed host of his own podcast, called Quakers and Makers, he’s also a financial planner with Northwestern Mutual.  Jake shares what his keys to financial wellness are, and his journey from investment banking on Wall Street to running his own business.</itunes:summary>
    </item>
    <item>
      <title>Want to Reach Your Financial Goals? Write Them Down.</title>
      <description>Elizabeth a recent college graduate and creator of the platform MyTwoCentsFinance.  While she was a full-time student, Elizabeth saved more than $20,000 that helped her achieve her goal of living in Spain after graduation.  She shares her strategies for financial planning, and why setting ambitious "stretch" goals is an important step in this process.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20221004212852-Elizabeth.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20221004212852-Elizabeth" type="audio/mpeg" length="23794542"/>
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      <content:encoded><![CDATA[<p>Elizabeth a recent college graduate and creator of the platform <a href="https://www.instagram.com/mytwocentsfinance/" target="_blank" style="color: rgb(17, 85, 204);">MyTwoCentsFinance</a>. While she was a full-time student, Elizabeth saved more than $20,000 that helped her achieve her goal of living in Spain after graduation. She shares her strategies for financial planning, and why setting ambitious "stretch" goals is an important step in this process.</p><p><br></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:16:31</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 05 Oct 2022 07:30:00 -0400</pubDate>
      <itunes:subtitle>Elizabeth a recent college graduate and creator of the platform MyTwoCentsFinance. While she was a full-time student, Elizabeth saved more than $20,000 that helped her achieve her goal of living in…</itunes:subtitle>
      <itunes:summary>Elizabeth a recent college graduate and creator of the platform MyTwoCentsFinance.  While she was a full-time student, Elizabeth saved more than $20,000 that helped her achieve her goal of living in Spain after graduation.  She shares her strategies for financial planning, and why setting ambitious "stretch" goals is an important step in this process.</itunes:summary>
    </item>
    <item>
      <title>If You Think Money Will Solve All of Your Problems - Think Again</title>
      <description>Shay Bloch is a serial entrepreneur from Tel Aviv, Israel.  Currently, he is the CEO of Jobox.ai, which is a platform that connects individuals freelance home services professionals.  Shay shares what his biggest financial obstacle was as CEO, the toughest decisions he has had to make, and why sometimes, even money isn't enough to solve your problems.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20220928085108-ShayJobox.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20220928085108-ShayJobox" type="audio/mpeg" length="22795829"/>
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      <content:encoded><![CDATA[<p>Shay Bloch is a serial entrepreneur from Tel Aviv, Israel. Currently, he is the CEO of <a href="http://jobox.ai/" target="_blank" style="color: rgb(17, 85, 204);">Jobox.ai</a>, which is a platform that connects individuals freelance home services professionals. Shay shares what his biggest financial obstacle was as CEO, the toughest decisions he has had to make, and why sometimes, even money isn't enough to solve your problems.</p><p><br></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:15:50</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 28 Sep 2022 09:00:00 -0400</pubDate>
      <itunes:subtitle>Shay Bloch is a serial entrepreneur from Tel Aviv, Israel. Currently, he is the CEO of Jobox.ai, which is a platform that connects individuals freelance home services professionals. Shay shares what…</itunes:subtitle>
      <itunes:summary>Shay Bloch is a serial entrepreneur from Tel Aviv, Israel.  Currently, he is the CEO of Jobox.ai, which is a platform that connects individuals freelance home services professionals.  Shay shares what his biggest financial obstacle was as CEO, the toughest decisions he has had to make, and why sometimes, even money isn't enough to solve your problems.</itunes:summary>
    </item>
    <item>
      <title>Making it Work in the Business of Fashion</title>
      <description>Pinaman Owusu-Banahene is the founder and CEO of Adjoaa, an online fashion marketplace that highlights African designers.  A graduate of the London School of Economics, Pinaman spent her childhood between Ghana and New Zealand.  Although she initially began her career in public policy, she has since pivoted into the world of entrepreneurship, where she leverages her global perspective to connect customers with some of the most exciting designers in the world.  She shares how her grandparents instilled their values on money management, and why "make it work" applies to more than just fashion.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20220920101215-Pinaman.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20220920101215-Pinaman" type="audio/mpeg" length="23830278"/>
      <guid isPermaLink="false">3adbe9a0-38ee-11ed-bcd7-232c9f890d6b</guid>
      <content:encoded><![CDATA[<p>Pinaman Owusu-Banahene is the founder and CEO of <a href="https://www.adjoaa.com/en-us" target="_blank" style="color: rgb(17, 85, 204);">Adjoaa</a>, an online fashion marketplace that highlights African designers. A graduate of the London School of Economics, Pinaman spent her childhood between Ghana and New Zealand. Although she initially began her career in public policy, she has since pivoted into the world of entrepreneurship, where she leverages her global perspective to connect customers with some of the most exciting designers in the world. She shares how her grandparents instilled their values on money management, and why "make it work" applies to more than just fashion.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:16:33</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Tue, 20 Sep 2022 10:00:00 -0400</pubDate>
      <itunes:subtitle>Pinaman Owusu-Banahene is the founder and CEO of Adjoaa, an online fashion marketplace that highlights African designers. A graduate of the London School of Economics, Pinaman spent her childhood…</itunes:subtitle>
      <itunes:summary>Pinaman Owusu-Banahene is the founder and CEO of Adjoaa, an online fashion marketplace that highlights African designers.  A graduate of the London School of Economics, Pinaman spent her childhood between Ghana and New Zealand.  Although she initially began her career in public policy, she has since pivoted into the world of entrepreneurship, where she leverages her global perspective to connect customers with some of the most exciting designers in the world.  She shares how her grandparents instilled their values on money management, and why "make it work" applies to more than just fashion.</itunes:summary>
    </item>
    <item>
      <title>Has Home Ownership Become the American Nightmare?</title>
      <description>According to the Wall Street Journal, housing affordability in the United States is at its lowest level since 1989.  Prospective buyers are stuck on the sidelines, worrying about whether to pull the trigger or continue waiting on the sidelines.  For many, the American Dream of home ownership has turned into the American Nightmare.  Dave Rich is a real estate expert, who shares his perspective and tips on his blog Coinsnculture.  He shares why he is still optimistic about real estate long-term, and strategies for saving up for a down payment.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20220816163402-Dave.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20220816163402-Dave" type="audio/mpeg" length="29430095"/>
      <guid isPermaLink="false">c3e479d0-1da2-11ed-bb40-2dcc1b0ac80f</guid>
      <content:encoded><![CDATA[<p> According to the Wall Street Journal, housing affordability in the United States is at its lowest level since 1989. Prospective buyers are stuck on the sidelines, worrying about whether to pull the trigger or continue waiting on the sidelines. For many, the American Dream of home ownership has turned into the American Nightmare. Dave Rich is a real estate expert, who shares his perspective and tips on his blog Coinsnculture. He shares why he is still optimistic about real estate long-term, and strategies for saving up for a down payment.</p><p><br></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:20:26</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 17 Aug 2022 07:00:00 -0400</pubDate>
      <itunes:subtitle> According to the Wall Street Journal, housing affordability in the United States is at its lowest level since 1989. Prospective buyers are stuck on the sidelines, worrying about whether to pull the…</itunes:subtitle>
      <itunes:summary>According to the Wall Street Journal, housing affordability in the United States is at its lowest level since 1989.  Prospective buyers are stuck on the sidelines, worrying about whether to pull the trigger or continue waiting on the sidelines.  For many, the American Dream of home ownership has turned into the American Nightmare.  Dave Rich is a real estate expert, who shares his perspective and tips on his blog Coinsnculture.  He shares why he is still optimistic about real estate long-term, and strategies for saving up for a down payment.</itunes:summary>
    </item>
    <item>
      <title>Why Net Worth is Not Self Worth</title>
      <description>As a new college graduate living in New York City, Aja Evans thought she had made it.  She quickly realized, however, that the weekly bottomless brunches add up.  Eventually, she took control of her spending habits.  Today, Aja is a licensed mental health counselor specializing in financial wellness.  She shares how her personal journey informed her decision to offer this unique angle to her therapy practice.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20220713130321-AjaEvans.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20220713130321-AjaEvans" type="audio/mpeg" length="31141638"/>
      <guid isPermaLink="false">b30fe8f0-02cd-11ed-824c-53a76c00c70e</guid>
      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">As a new college graduate living in New York City, </span><a href="https://ajaevanscounseling.com/" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Aja Evans</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);"> thought she had made it. She quickly realized, however, that the weekly bottomless brunches add up. Eventually, she took control of her spending habits. Today, Aja is a licensed mental health counselor specializing in financial wellness. She shares how her personal journey informed her decision to offer this unique angle to her therapy practice. </span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:21:37</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 13 Jul 2022 12:57:00 -0400</pubDate>
      <itunes:subtitle>As a new college graduate living in New York City, Aja Evans thought she had made it. She quickly realized, however, that the weekly bottomless brunches add up. Eventually, she took control of her…</itunes:subtitle>
      <itunes:summary>As a new college graduate living in New York City, Aja Evans thought she had made it.  She quickly realized, however, that the weekly bottomless brunches add up.  Eventually, she took control of her spending habits.  Today, Aja is a licensed mental health counselor specializing in financial wellness.  She shares how her personal journey informed her decision to offer this unique angle to her therapy practice.</itunes:summary>
    </item>
    <item>
      <title>Why Is Asking For Money So Hard?</title>
      <description>Maria MacMullin is the Senior Director of Major Gifts for the Genesis Women’s Shelter in Dallas, Texas.  Maria has played a key role in securing over $70 million in philanthropic gifts for a wide number of organizations, and we talk about the importance of giving back in the personal finance journey.  She is also the host of the Podcast on Crimes Against Women and the Genesis Podcast.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20220623144251-MariaMacMullin.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20220623144251-MariaMacMullin" type="audio/mpeg" length="33246271"/>
      <guid isPermaLink="false">496067b0-f324-11ec-bda2-b904c6813dd9</guid>
      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Maria MacMullin is the Senior Director of Major Gifts for the </span><a href="https://www.genesisshelter.org/" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Genesis Women’s Shelter </a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">in Dallas, Texas. Maria has played a key role in securing over $70 million in philanthropic gifts for a wide number of organizations, and we talk about the importance of giving back in the personal finance journey. She is also the host of the Podcast on Crimes Against Women and the Genesis Podcast.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:23:05</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 23 Jun 2022 14:41:00 -0400</pubDate>
      <itunes:subtitle>Maria MacMullin is the Senior Director of Major Gifts for the Genesis Women’s Shelter in Dallas, Texas. Maria has played a key role in securing over $70 million in philanthropic gifts for a wide n…</itunes:subtitle>
      <itunes:summary>Maria MacMullin is the Senior Director of Major Gifts for the Genesis Women’s Shelter in Dallas, Texas.  Maria has played a key role in securing over $70 million in philanthropic gifts for a wide number of organizations, and we talk about the importance of giving back in the personal finance journey.  She is also the host of the Podcast on Crimes Against Women and the Genesis Podcast.</itunes:summary>
    </item>
    <item>
      <title>Managing Money as an Aspiring Olympian</title>
      <description>Oliver Tweddell's two greatest passions are sailing and investing.  Tweddell has spent the majority of his life training to qualify for Australia's Olympic team.  Although he just missed out on the Tokyo games, he pivoted into the world of investing and started Minted Millennials, an online financial literacy platform.  We talk about how budgeting as an athlete can be a "feast to famine" cycle and the two financial misconceptions that annoy him the most.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20220615010626-OliTweddell.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20220615010626-OliTweddell" type="audio/mpeg" length="21441014"/>
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      <content:encoded><![CDATA[<p>Oliver Tweddell's two greatest passions are sailing and investing. Tweddell has spent the majority of his life training to qualify for Australia's Olympic team. Although he just missed out on the Tokyo games, he pivoted into the world of investing and started <a href="https://mintedmillennials.com/" target="_blank" style="color: rgb(17, 85, 204);">Minted Millennials</a>, an online financial literacy platform. We talk about how budgeting as an athlete can be a "feast to famine" cycle, and the two financial misconceptions that annoy him the most.</p><p><br></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:14:53</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 15 Jun 2022 06:00:00 -0400</pubDate>
      <itunes:subtitle>Oliver Tweddell's two greatest passions are sailing and investing. Tweddell has spent the majority of his life training to qualify for Australia's Olympic team. Although he just missed out on the…</itunes:subtitle>
      <itunes:summary>Oliver Tweddell's two greatest passions are sailing and investing.  Tweddell has spent the majority of his life training to qualify for Australia's Olympic team.  Although he just missed out on the Tokyo games, he pivoted into the world of investing and started Minted Millennials, an online financial literacy platform.  We talk about how budgeting as an athlete can be a "feast to famine" cycle and the two financial misconceptions that annoy him the most.</itunes:summary>
    </item>
    <item>
      <title>How This NFT Startup Connects Fans With Athletes</title>
      <description>Blockasset is an NFT platform and ecosystem that allows fans to buy tokens of their favorite athletes. Founders Ryan and Mike share how their humble roots inspired their entrepreneurial passion, and what's behind the NFT craze.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20220407122214-BlockassetComplete.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20220407122214-BlockassetComplete" type="audio/mpeg" length="20597240"/>
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      <content:encoded><![CDATA[<p>Blockasset is an NFT platform and ecosystem that allows fans to buy tokens of their favorite athletes. Founders Ryan and Mike share how their humble roots inspired their entrepreneurial passion, and what's behind the NFT craze.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:14:18</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 07 Apr 2022 12:19:00 -0400</pubDate>
      <itunes:subtitle>Blockasset is an NFT platform and ecosystem that allows fans to buy tokens of their favorite athletes. Founders Ryan and Mike share how their humble roots inspired their entrepreneurial passion, and…</itunes:subtitle>
      <itunes:summary>Blockasset is an NFT platform and ecosystem that allows fans to buy tokens of their favorite athletes. Founders Ryan and Mike share how their humble roots inspired their entrepreneurial passion, and what's behind the NFT craze.</itunes:summary>
    </item>
    <item>
      <title>How One Juilliard-Trained Violinist Finds Harmony Between Budgeting and Performing</title>
      <description>Celia Zhang has built an illustrious career as a performer and educator, having graduated with a bachelor’s degree in violin performance from the Juilliard School in 2014 and subsequently receiving her master's degree from the Yale School of Music in 2016. She recently started a music school called Village Youth Conservatory.&#13;
&#13;
Celia’s parents immigrated to the U.S. from China, and she talks about how they were able to budget and plan so that she and her siblings could pursue the extracurricular activities that they wanted. She also talks about financial planning as a small business owner and the time that she filmed a Nike commercial with Kyrie Irving.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20220330144651-CeliaZhangRelease.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20220330144651-CeliaZhangRelease" type="audio/mpeg" length="25363770"/>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);"> </span><a href="https://www.celiazhangviolin.com/" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Celia Zhang</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);"> has built an illustrious career as a performer and educator, having graduated with a bachelor’s degree in violin performance from the Juilliard School in 2014 and subsequently receiving her master's degree from the Yale School of Music in 2016. She recently started a music school called </span><a href="http://villageyouthconservatory.com/" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Village Youth Conservatory</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">.</span></p><p><br></p><p><span style="background-color: rgb(255, 255, 255); color: rgb(80, 0, 80);">Celia’s parents immigrated to the U.S. from China, and she talks about how they were able to budget and plan so that she and her siblings could pursue the extracurricular activities that they wanted. She also talks about financial planning as a small business owner and the time that she filmed a Nike commercial with Kyrie Irving.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:17:37</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 30 Mar 2022 14:39:00 -0400</pubDate>
      <itunes:subtitle> Celia Zhang has built an illustrious career as a performer and educator, having graduated with a bachelor’s degree in violin performance from the Juilliard School in 2014 and subsequently receiving …</itunes:subtitle>
      <itunes:summary>Celia Zhang has built an illustrious career as a performer and educator, having graduated with a bachelor’s degree in violin performance from the Juilliard School in 2014 and subsequently receiving her master's degree from the Yale School of Music in 2016. She recently started a music school called Village Youth Conservatory.&#13;
&#13;
Celia’s parents immigrated to the U.S. from China, and she talks about how they were able to budget and plan so that she and her siblings could pursue the extracurricular activities that they wanted. She also talks about financial planning as a small business owner and the time that she filmed a Nike commercial with Kyrie Irving.</itunes:summary>
    </item>
    <item>
      <title>How to Build Wealth While Being in School</title>
      <description>Rebekah is a New York City-based student and blogger. She shares how her earliest money memory of choosing the lowest cereal as a child influenced her to think about the connection between money and health, and why it's important to reframe money mistakes into lessons.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20220322151428-Rebekah.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20220322151428-Rebekah" type="audio/mpeg" length="19194066"/>
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      <content:encoded><![CDATA[<p>Rebekah is a New York City-based student and <a href="https://www.blissfulwallet.com/" target="_blank" style="color: rgb(17, 85, 204);">blogger</a>. She shares how her earliest money memory of choosing the lowest cereal as a child influenced her to think about the connection between money and health, and why it's important to reframe money mistakes into lessons.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:13:20</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Tue, 22 Mar 2022 15:07:00 -0400</pubDate>
      <itunes:subtitle>Rebekah is a New York City-based student and blogger. She shares how her earliest money memory of choosing the lowest cereal as a child influenced her to think about the connection between money and…</itunes:subtitle>
      <itunes:summary>Rebekah is a New York City-based student and blogger. She shares how her earliest money memory of choosing the lowest cereal as a child influenced her to think about the connection between money and health, and why it's important to reframe money mistakes into lessons.</itunes:summary>
    </item>
    <item>
      <title>The Surprising Similarities Between Money and Physical Fitness</title>
      <description>Dr. Norma Reyes is a career mindset coach who helps successful Latinas overcome self-doubt and imposter syndrome while on their professional journeys. She is also the host of the "Manifest Your Career" podcast. We talk about how growing up in a non-traditional Mexican household shaped Dr. Reyes’ independence around money, and the financial lessons she hopes to pass on to her children</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20220315095643-Norma-3_14_2212.41PM.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20220315095643-Norma-3_14_2212.41PM" type="audio/mpeg" length="22938771"/>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);"> Dr. Norma Reyes is a career mindset coach who helps successful Latinas overcome self-doubt and imposter syndrome while on their professional journeys. She is also the host of the "</span><a href="https://podcasts.apple.com/us/podcast/manifest-your-career/id1555798414" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(17, 85, 204);">Manifest Your Career"</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);"> podcast. We talk about how growing up in a non-traditional Mexican household shaped Dr. Reyes’ independence around money, and the financial lessons she hopes to pass on to her children</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:15:56</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Tue, 15 Mar 2022 09:51:00 -0400</pubDate>
      <itunes:subtitle> Dr. Norma Reyes is a career mindset coach who helps successful Latinas overcome self-doubt and imposter syndrome while on their professional journeys. She is also the host of the "Manifest…</itunes:subtitle>
      <itunes:summary>Dr. Norma Reyes is a career mindset coach who helps successful Latinas overcome self-doubt and imposter syndrome while on their professional journeys. She is also the host of the "Manifest Your Career" podcast. We talk about how growing up in a non-traditional Mexican household shaped Dr. Reyes’ independence around money, and the financial lessons she hopes to pass on to her children</itunes:summary>
    </item>
    <item>
      <title>Is That Really What I Wake Up Everyday To Do?</title>
      <description>Tosin Mills is the product and growth strategy manager at Microsoft. She received her bachelor's degree from the University of Pennsylvania, and an MBA from the MIT Sloan School of Management. Tosin shares how her experience of moving from Nigeria to the United States played an important role in her understanding of the value of money, and what her favorite money slogan is.&#13;
&#13;
Bonus: I found an NFT expert to answer your pressing questions about how this hot new fintech innovation actually works.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20220216105751-TosinandNFTsFinal.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20220216105751-TosinandNFTsFinal" type="audio/mpeg" length="15407736"/>
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      <content:encoded><![CDATA[<p> Tosin Mills is the product and growth strategy manager at Microsoft. She received her bachelor's degree from the University of Pennsylvania, and an MBA from the MIT Sloan School of Management. Tosin shares how her experience of moving from Nigeria to the United States played an important role in her understanding of the value of money, and what her favorite money slogan is.</p><p><br></p><p>Bonus: I found an NFT expert to answer your pressing questions about how this hot new fintech innovation actually works.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:16:03</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 16 Feb 2022 10:55:00 -0500</pubDate>
      <itunes:subtitle> Tosin Mills is the product and growth strategy manager at Microsoft. She received her bachelor's degree from the University of Pennsylvania, and an MBA from the MIT Sloan School of Management.…</itunes:subtitle>
      <itunes:summary>Tosin Mills is the product and growth strategy manager at Microsoft. She received her bachelor's degree from the University of Pennsylvania, and an MBA from the MIT Sloan School of Management. Tosin shares how her experience of moving from Nigeria to the United States played an important role in her understanding of the value of money, and what her favorite money slogan is.&#13;
&#13;
Bonus: I found an NFT expert to answer your pressing questions about how this hot new fintech innovation actually works.</itunes:summary>
    </item>
    <item>
      <title>How to Make Your Financial Dreams Come True</title>
      <description>Rod Griffin is Senior Director of Public Education and Advocacy for Experian.He leads Experian's national consumer education programs and works with consumer advocates, financial educators, media and others to help consumers increase their ability to understand and manage their personal finances and protect themselves from fraud and identity theft.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20220203123806-RodGriffin.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20220203123806-RodGriffin" type="audio/mpeg" length="29715352"/>
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      <content:encoded><![CDATA[<p>Rod Griffin is Senior Director of Public Education and Advocacy for Experian.He leads Experian's national consumer education programs and works with consumer advocates, financial educators, media and others to help consumers increase their ability to understand and manage their personal finances and protect themselves from fraud and identity theft.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:20:38</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 03 Feb 2022 12:34:00 -0500</pubDate>
      <itunes:subtitle>Rod Griffin is Senior Director of Public Education and Advocacy for Experian.He leads Experian's national consumer education programs and works with consumer advocates, financial educators, media…</itunes:subtitle>
      <itunes:summary>Rod Griffin is Senior Director of Public Education and Advocacy for Experian.He leads Experian's national consumer education programs and works with consumer advocates, financial educators, media and others to help consumers increase their ability to understand and manage their personal finances and protect themselves from fraud and identity theft.</itunes:summary>
    </item>
    <item>
      <title>Bridging the Racial Wealth Gap with Fintech</title>
      <description>This episode features Wemimo Abbey and Samir Goel, the co-founders of Esusu, a fintech platform that leverages data to bridge the racial wealth gap. Today, more than 7 million Americans are unbanked, and more than 20 million are credit invisible, meaning they lack credit history with one of the 3 credit reporting agencies. Esusu helps individuals build credit by allowing them to report their rent payments to these agencies. We talk about how Abbey and Samir’s shared immigrant experiences had a profound effect on their understanding of wealth and equality, and the challenges of building a product that most VCs don’t have first-hand experience with.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20220127143632-EsusuUnicorn.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20220127143632-EsusuUnicorn" type="audio/mpeg" length="32354765"/>
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      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">This episode features Wemimo Abbey and Samir Goel, the co-founders of Esusu, a fintech platform that leverages data to bridge the racial wealth gap. Today, more than 7 million Americans are unbanked, and more than 20 million are credit invisible, meaning they lack credit history with one of the 3 credit reporting agencies. Esusu helps individuals build credit by allowing them to report their rent payments to these agencies. We talk about how Abbey and Samir’s shared immigrant experiences had a profound effect on their understanding of wealth and equality, and the challenges of building a product that most VCs don’t have first-hand experience with.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:22:28</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 27 Jan 2022 14:33:00 -0500</pubDate>
      <itunes:subtitle>This episode features Wemimo Abbey and Samir Goel, the co-founders of Esusu, a fintech platform that leverages data to bridge the racial wealth gap. Today, more than 7 million Americans are…</itunes:subtitle>
      <itunes:summary>This episode features Wemimo Abbey and Samir Goel, the co-founders of Esusu, a fintech platform that leverages data to bridge the racial wealth gap. Today, more than 7 million Americans are unbanked, and more than 20 million are credit invisible, meaning they lack credit history with one of the 3 credit reporting agencies. Esusu helps individuals build credit by allowing them to report their rent payments to these agencies. We talk about how Abbey and Samir’s shared immigrant experiences had a profound effect on their understanding of wealth and equality, and the challenges of building a product that most VCs don’t have first-hand experience with.</itunes:summary>
    </item>
    <item>
      <title>NFT, Easy as 1-2-3</title>
      <description>Mattias Tengblad is the Co-founder and CEO of Corite, a platform that allows artists and their fans to join forces. Corite allows people to invest in music they really love and get paid when it’s streamed on Spotify and Apple Music. Mattias and his founders have explained that Corite is the first platform to “truly enable fans to invest in artists and be a part of the creative journey from the first mix to the creation of potential hit songs.” On this show, Mattias explains what NFTs, or non-fungible tokens, are, and the most important lesson he thinks all founders should know.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20211208140302-MattiasTengblad.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20211208140302-MattiasTengblad" type="audio/mpeg" length="26255904"/>
      <guid isPermaLink="false">77f831a0-5859-11ec-be92-7d6a51bef517</guid>
      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Mattias Tengblad is the Co-founder and CEO of Corite, a platform that allows artists and their fans to join forces. Corite allows people to invest in music they really love and get paid when it’s streamed on Spotify and Apple Music. Mattias and his founders have explained that Corite is the first platform to “truly enable fans to invest in artists and be a part of the creative journey from the first mix to the creation of potential hit songs.” On this show, Mattias explains what NFTs, or non-fungible tokens, are, and the most important lesson he thinks all founders should know.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:18:14</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 09 Dec 2021 12:30:00 -0500</pubDate>
      <itunes:subtitle>Mattias Tengblad is the Co-founder and CEO of Corite, a platform that allows artists and their fans to join forces. Corite allows people to invest in music they really love and get paid when it’s s…</itunes:subtitle>
      <itunes:summary>Mattias Tengblad is the Co-founder and CEO of Corite, a platform that allows artists and their fans to join forces. Corite allows people to invest in music they really love and get paid when it’s streamed on Spotify and Apple Music. Mattias and his founders have explained that Corite is the first platform to “truly enable fans to invest in artists and be a part of the creative journey from the first mix to the creation of potential hit songs.” On this show, Mattias explains what NFTs, or non-fungible tokens, are, and the most important lesson he thinks all founders should know.</itunes:summary>
    </item>
    <item>
      <title>Why You Can Never Break Up With Money</title>
      <description>Jenn Uhen loves to talk about money as the Founder/Community Organizer of The Pledgettes. The Pledgettes is on a mission to abolish the gender wealth gap by facilitating money conversations with womxn through expert-led events and an engaged membership community. Jenn talks about her biggest money mistakes, why it's important to empower women to be more engaged in their financial choices, and how you can be more intentional with your spending.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20211201131516-JennUhen.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20211201131516-JennUhen" type="audio/mpeg" length="24828991"/>
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      <content:encoded><![CDATA[<p>Jenn Uhen loves to talk about money as the Founder/Community Organizer of The <a href="https://thepledgettes.com/" target="_blank" style="color: rgb(17, 85, 204);">Pledgettes</a>. The Pledgettes is on a mission to abolish the gender wealth gap by facilitating money conversations with womxn through expert-led events and an engaged membership community. Jenn talks about her biggest money mistakes, why it's important to empower women to be more engaged in their financial choices, and how you can be more intentional with your spending.</p><p><br></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:17:14</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 01 Dec 2021 14:30:00 -0500</pubDate>
      <itunes:subtitle>Jenn Uhen loves to talk about money as the Founder/Community Organizer of The Pledgettes. The Pledgettes is on a mission to abolish the gender wealth gap by facilitating money conversations with…</itunes:subtitle>
      <itunes:summary>Jenn Uhen loves to talk about money as the Founder/Community Organizer of The Pledgettes. The Pledgettes is on a mission to abolish the gender wealth gap by facilitating money conversations with womxn through expert-led events and an engaged membership community. Jenn talks about her biggest money mistakes, why it's important to empower women to be more engaged in their financial choices, and how you can be more intentional with your spending.</itunes:summary>
    </item>
    <item>
      <title>You Weren't Born to Pay Bills and Die</title>
      <description>Jannese Torres-Rodriguez is the creator and host of “Yo Quiero Dinero,” a  platform dedicated to connecting diverse change-makers who are sharing their personal finance stories and inspiring others to take their dinero to the next level. She is also the creator of a food blog called Delish D’Lites. In our conversation, we talk about not playing small and stepping up the opportunities you have created for yourself. We also share tips for talking about finances for those in relationships.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20211124115333-YQD-11_21_2112.58PM.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20211124115333-YQD-11_21_2112.58PM" type="audio/mpeg" length="36741455"/>
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      <content:encoded><![CDATA[<p>Jannese Torres-Rodriguez is the creator and host of “Yo Quiero Dinero,” a platform dedicated to connecting diverse change makers who are sharing their personal finance stories and inspiring others to take their dinero to the next level. She is also the creator of a food blog called Delish D’Lites. In our conversation, we talk about not playing small and stepping up the opportunities you have created for yourself. We also share tips for talking about finances for those in relationships.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:25:31</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 24 Nov 2021 11:22:00 -0500</pubDate>
      <itunes:subtitle>Jannese Torres-Rodriguez is the creator and host of “Yo Quiero Dinero,” a platform dedicated to connecting diverse change makers who are sharing their personal finance stories and inspiring others to…</itunes:subtitle>
      <itunes:summary>Jannese Torres-Rodriguez is the creator and host of “Yo Quiero Dinero,” a  platform dedicated to connecting diverse change-makers who are sharing their personal finance stories and inspiring others to take their dinero to the next level. She is also the creator of a food blog called Delish D’Lites. In our conversation, we talk about not playing small and stepping up the opportunities you have created for yourself. We also share tips for talking about finances for those in relationships.</itunes:summary>
    </item>
    <item>
      <title>Spotlight on Latino Voices: Daniela Pierre Bravo</title>
      <description>Daniela Pierre-Bravo is a New York City-based booking producer for MSNBC’s “Morning Joe.” She is also the co-author, alongside Mika Brezinski, of the best-selling book “Earn It! Know Your Value and Grow Your Career, in Your 20s and Beyond.”

Daniela grew up in Ohio, as the daughter of immigrants from Chile. She found out that she was undocumented shortly before beginning college.  Daniela shares her remarkable story, including how she traveled overnight on a Greyhound from Ohio to New York for an interview with Bad Boy Entertainment.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210921103755-DanielaPBHispaniceHeritageMonth2021-9_17_2112.12PM.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210921103755-DanielaPBHispaniceHeritageMonth2021-9_17_2112.12PM" type="audio/mpeg" length="37383440"/>
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      <content:encoded><![CDATA[<p><span style="color: rgb(0, 0, 0);">Daniela Pierre-Bravo is a New York City-based booking producer for MSNBC’s “Morning Joe.” She is also the co-author, alongside Mika Brezinski, of the best-selling book “Earn It! Know Your Value and Grow Your Career, in Your 20s and Beyond.”</span></p><p><span style="color: rgb(0, 0, 0);">Daniela grew up in Ohio, as the daughter of immigrants from Chile. She found out that she was undocumented shortly before beginning college. Daniela shares her remarkable story, including how she traveled overnight on a Greyhound from Ohio to New York for an interview with Bad Boy Entertainment.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:25:57</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Tue, 21 Sep 2021 10:27:00 -0400</pubDate>
      <itunes:subtitle>Daniela Pierre-Bravo is a New York City-based booking producer for MSNBC’s “Morning Joe.” She is also the co-author, alongside Mika Brezinski, of the best-selling book “Earn It! Know Your Value and G…</itunes:subtitle>
      <itunes:summary>Daniela Pierre-Bravo is a New York City-based booking producer for MSNBC’s “Morning Joe.” She is also the co-author, alongside Mika Brezinski, of the best-selling book “Earn It! Know Your Value and Grow Your Career, in Your 20s and Beyond.”

Daniela grew up in Ohio, as the daughter of immigrants from Chile. She found out that she was undocumented shortly before beginning college.  Daniela shares her remarkable story, including how she traveled overnight on a Greyhound from Ohio to New York for an interview with Bad Boy Entertainment.</itunes:summary>
    </item>
    <item>
      <title>Making Sure Your Dinero Matters</title>
      <description>A conversation with award-winning personal finance podcaster and author Jen Hemphill. Jen is the host of the "Her Dinero Matters Podcast," which focuses on the advancement of U.S. Latinas to minimize the gender wage gap while creating a healthy, confident conversation around money. She has been featured in publications such as  Forbes, Clark Howard, USAA, Oprah Magazine and award-winning podcasts like SoMoney and Stacking Benjamins.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210902133059-JenHemphillFinal.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210902133059-JenHemphillFinal" type="audio/mpeg" length="23473550"/>
      <guid isPermaLink="false">896183d0-0c13-11ec-b4f8-e709aa04f6ca</guid>
      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">A conversation with award-winning personal finance podcaster and author Jen Hemphill. Jen is the host of the "Her Dinero Matters Podcast," which focuses on the advancement of U.S. Latinas to minimize the gender wage gap while creating a healthy, confident conversation around money. She has been featured in publications such as  Forbes, Clark Howard, USAA, Oprah Magazine and award-winning podcasts like SoMoney and Stacking Benjamins.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:16:18</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 02 Sep 2021 13:24:00 -0400</pubDate>
      <itunes:subtitle>A conversation with award-winning personal finance podcaster and author Jen Hemphill. Jen is the host of the "Her Dinero Matters Podcast," which focuses on the advancement of U.S. Latinas…</itunes:subtitle>
      <itunes:summary>A conversation with award-winning personal finance podcaster and author Jen Hemphill. Jen is the host of the "Her Dinero Matters Podcast," which focuses on the advancement of U.S. Latinas to minimize the gender wage gap while creating a healthy, confident conversation around money. She has been featured in publications such as  Forbes, Clark Howard, USAA, Oprah Magazine and award-winning podcasts like SoMoney and Stacking Benjamins.</itunes:summary>
    </item>
    <item>
      <title>Learning How To Be Young, But Not Broke</title>
      <description>Kavya Ravikanti is a graduate of the University of Virginia, and one of the founders of Young, Not Broke, a personal finance community whose mission is to empower young people to manage their money through various content and events. Since launching the platform, she and her team have successfully expanded the platform to include a newsletter with thousands of subscribers.

Tune in to this episode to learn how starting her own tutoring company while in high school helped ignite Kavya’s passion for entrepreneurship, and why she believes it’s never too early to start on your personal finance journey.  https://www.youngnotbroke.co/  https://www.instagram.com/young_notbroke/?hl=en</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210831105127-20201217135050-Kavya_Complete_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210831105127-20201217135050-Kavya_Complete_Reduced" type="audio/mpeg" length="8774336"/>
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      <content:encoded><![CDATA[<p>Kavya Ravikanti is a graduate of the University of Virginia, and one of the founders of Young, Not Broke, a personal finance community whose mission is to empower young people to manage their money through various content and events. Since launching the platform, she and her team have successfully expanded the platform to include a newsletter with thousands of subscribers.</p><p>Tune in to this episode to learn how starting her own tutoring company while in high school helped ignite Kavya’s passion for entrepreneurship, and why she believes it’s never too early to start on your personal finance journey. https://www.youngnotbroke.co/</p><p>https://www.instagram.com/young_notbroke/?hl=en</p><p><br></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:17:44</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Tue, 31 Aug 2021 10:45:00 -0400</pubDate>
      <itunes:subtitle>Kavya Ravikanti is a graduate of the University of Virginia, and one of the founders of Young, Not Broke, a personal finance community whose mission is to empower young people to manage their money…</itunes:subtitle>
      <itunes:summary>Kavya Ravikanti is a graduate of the University of Virginia, and one of the founders of Young, Not Broke, a personal finance community whose mission is to empower young people to manage their money through various content and events. Since launching the platform, she and her team have successfully expanded the platform to include a newsletter with thousands of subscribers.

Tune in to this episode to learn how starting her own tutoring company while in high school helped ignite Kavya’s passion for entrepreneurship, and why she believes it’s never too early to start on your personal finance journey.  https://www.youngnotbroke.co/  https://www.instagram.com/young_notbroke/?hl=en</itunes:summary>
    </item>
    <item>
      <title>Is Money A Man's World?</title>
      <description>Kim Bridges is the senior vice president and director of financial planning at BOK Financial. Kim shares how she found her way to personal finance after initially joining the marine corps, and how seeing her mother manage financially after divorce opened her eyes to the importance of financial empowerment for women.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210820001816-KimBridges.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210820001816-KimBridges" type="audio/mpeg" length="25578183"/>
      <guid isPermaLink="false">a4780cb0-016d-11ec-b4da-fbb14605ba9f</guid>
      <content:encoded><![CDATA[<p>Kim Bridges is the senior vice president and director of financial planning at BOK Financial. Kim shares how she found her way to personal finance after initially joining the marine corps, and how seeing her mother manage financially after divorce opened her eyes to the importance of financial empowerment for women.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:17:46</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Fri, 20 Aug 2021 00:16:00 -0400</pubDate>
      <itunes:subtitle>Kim Bridges is the senior vice president and director of financial planning at BOK Financial. Kim shares how she found her way to personal finance after initially joining the marine corps, and how…</itunes:subtitle>
      <itunes:summary>Kim Bridges is the senior vice president and director of financial planning at BOK Financial. Kim shares how she found her way to personal finance after initially joining the marine corps, and how seeing her mother manage financially after divorce opened her eyes to the importance of financial empowerment for women.</itunes:summary>
    </item>
    <item>
      <title>Reaping What You Sow Financially</title>
      <description>Carter Malloy is the founder of the farming startup AcreTrader. AcreTrader is a farmland real estate investment company offering low minimum, passive farm investments.. Carter grew up in an Arkansas farming family and has had a lifelong passion for investing, agriculture, and conservation. Prior to founding AcreTrader, he was part of an equity investment firm and a managing director with an investment bank. Carter shares how his earliest money memory of his parents’ bankruptcy affected him, and what he learned from that experience.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210805142842-Carter-8_5_2112.13PM.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210805142842-Carter-8_5_2112.13PM" type="audio/mpeg" length="17802888"/>
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      <content:encoded><![CDATA[<p>Carter Malloy is the founder of the farming startup AcreTrader. AcreTrader is a farmland real estate investment company offering low minimum, passive farm investments.. Carter grew up in an Arkansas farming family and has had a lifelong passion for investing, agriculture, and conservation. Prior to founding AcreTrader, he was part of an equity investment firm and a managing director with an investment bank. Carter shares how his earliest money memory of his parents’ bankruptcy affected him, and what he learned from that experience.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:12:22</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 05 Aug 2021 13:41:00 -0400</pubDate>
      <itunes:subtitle>Carter Malloy is the founder of the farming startup AcreTrader. AcreTrader is a farmland real estate investment company offering low minimum, passive farm investments.. Carter grew up in an Arkansas…</itunes:subtitle>
      <itunes:summary>Carter Malloy is the founder of the farming startup AcreTrader. AcreTrader is a farmland real estate investment company offering low minimum, passive farm investments.. Carter grew up in an Arkansas farming family and has had a lifelong passion for investing, agriculture, and conservation. Prior to founding AcreTrader, he was part of an equity investment firm and a managing director with an investment bank. Carter shares how his earliest money memory of his parents’ bankruptcy affected him, and what he learned from that experience.</itunes:summary>
    </item>
    <item>
      <title>Small Money Moves, Big Wins</title>
      <description>Everyday Finance Gal is on a mission to help people build generational wealth. She and her family immigrated to the United States from Armenia. Her earliest money memory was translating a rent increase to her parents. “That’s when I first realized we didn’t have money,” she recalls. This experience influenced her to become an expert saver. Eventually, she built generational wealth for her family by learning how to invest in ETFs and real estate. Today, she shares the money lessons she has learned on her Instagram platform – Everyday Finance Gal. She is also a single mom. Plus, this week’s listener-submitted money memory shares lessons learned along a paper route.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210728104604-20210406183551-MM040621_EverydayFinanceGal.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210728104604-20210406183551-MM040621_EverydayFinanceGal" type="audio/mpeg" length="27147411"/>
      <guid isPermaLink="false">89321f30-efb2-11eb-8272-7df37dc2ba54</guid>
      <content:encoded><![CDATA[<p>Everyday Finance Gal is on a mission to help people build generational wealth. She and her family immigrated to the United States from Armenia. Her earliest money memory was translating a rent increase to her parents. “That’s when I first realized we didn’t have money,” she recalls. This experience influenced her to become an expert saver. Eventually, she built generational wealth for her family by learning how to invest in ETFs and real estate. Today, she shares the money lessons she has learned on her Instagram platform – Everyday Finance Gal. She is also a single mom. Plus, this week’s listener-submitted money memory shares lessons learned along a paper route.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:18:51</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 28 Jul 2021 10:31:00 -0400</pubDate>
      <itunes:subtitle>Everyday Finance Gal is on a mission to help people build generational wealth. She and her family immigrated to the United States from Armenia. Her earliest money memory was translating a rent…</itunes:subtitle>
      <itunes:summary>Everyday Finance Gal is on a mission to help people build generational wealth. She and her family immigrated to the United States from Armenia. Her earliest money memory was translating a rent increase to her parents. “That’s when I first realized we didn’t have money,” she recalls. This experience influenced her to become an expert saver. Eventually, she built generational wealth for her family by learning how to invest in ETFs and real estate. Today, she shares the money lessons she has learned on her Instagram platform – Everyday Finance Gal. She is also a single mom. Plus, this week’s listener-submitted money memory shares lessons learned along a paper route.</itunes:summary>
    </item>
    <item>
      <title>Divorcing Yourself From an Arranged Marriage with Debt</title>
      <description>Latasha Peterson is a blogger, side hustle coach and creator of Arts and Budgets, a blog dedicated to side hustles. In our conversation, Latasha describes why her relationship to debt was like being in an arranged marriage, and how her early memories of her parents’ difficult relationship with money influenced her into adulthood. She shares how she was able to take control of her financial journey, and the lessons she hopes to impart on her young children.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210715103537-Latasha.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210715103537-Latasha" type="audio/mpeg" length="30214396"/>
      <guid isPermaLink="false">ebee5020-e579-11eb-8c57-8794d8ff463d</guid>
      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Latasha Peterson is a blogger, side hustle coach and creator of Arts and Budgets, a blog dedicated to side hustles. In our conversation, Latasha describes why her relationship to debt was like being in an arranged marriage, and how her early memories of her parents’ difficult relationship with money influenced her into adulthood. She shares how she was able to take control of her financial journey, and the lessons she hopes to impart on her young children.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:20:59</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 15 Jul 2021 10:29:00 -0400</pubDate>
      <itunes:subtitle>Latasha Peterson is a blogger, side hustle coach and creator of Arts and Budgets, a blog dedicated to side hustles. In our conversation, Latasha describes why her relationship to debt was like being…</itunes:subtitle>
      <itunes:summary>Latasha Peterson is a blogger, side hustle coach and creator of Arts and Budgets, a blog dedicated to side hustles. In our conversation, Latasha describes why her relationship to debt was like being in an arranged marriage, and how her early memories of her parents’ difficult relationship with money influenced her into adulthood. She shares how she was able to take control of her financial journey, and the lessons she hopes to impart on her young children.</itunes:summary>
    </item>
    <item>
      <title>Building Financial Solutions for the Common Good</title>
      <description>Catherine Wright is on a mission to help make people more financially secure.

She is passionate about developing innovative solutions to promote economic opportunities for underserved communities. We discuss how her earliest money money taught her the value of discipline, and why retirement and estate planning are crucial financial planning milestones.

Catherine is a graduate of Georgetown University and MIT Sloan, and serves as a Sr. Innovation Manager at Commonwealth.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210708103433-20201217135048-Catherine_Wright_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210708103433-20201217135048-Catherine_Wright_Reduced" type="audio/mpeg" length="11057408"/>
      <guid isPermaLink="false">9cb8d5a0-dff9-11eb-a3da-0b14f82be46a</guid>
      <content:encoded><![CDATA[<p>Catherine Wright is on a mission to help make people more financially secure.</p><p>She is passionate about developing innovative solutions to promote economic opportunities for underserved communities. We discuss how her earliest money money taught her the value of discipline, and why retirement and estate planning are crucial financial planning milestones.</p><p>Catherine is a graduate of Georgetown University and MIT Sloan, and serves as a Sr. Innovation Manager at Commonwealth.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:22:29</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 08 Jul 2021 10:31:00 -0400</pubDate>
      <itunes:subtitle>Catherine Wright is on a mission to help make people more financially secure.She is passionate about developing innovative solutions to promote economic opportunities for underserved communities. We…</itunes:subtitle>
      <itunes:summary>Catherine Wright is on a mission to help make people more financially secure.

She is passionate about developing innovative solutions to promote economic opportunities for underserved communities. We discuss how her earliest money money taught her the value of discipline, and why retirement and estate planning are crucial financial planning milestones.

Catherine is a graduate of Georgetown University and MIT Sloan, and serves as a Sr. Innovation Manager at Commonwealth.</itunes:summary>
    </item>
    <item>
      <title>Are Are Your Finances Controlling You?</title>
      <description>Today’s guest is content creator Brandon from the IG account “Worth Life Balance.” After receiving an athletic scholarship, Brandon was initially set on a career in sports. However, he quickly realized that those opportunities were few and far between, and shifted into a career in finance. Brandon shares how his earliest money memories from a paper route taught him the importance of not spending money until you have it. We also discuss lessons that couples can incorporate into their financial planning, and why an investment in education can have the best ROI.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210701115517-Brandon.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210701115517-Brandon" type="audio/mpeg" length="29715352"/>
      <guid isPermaLink="false">bb5344e0-da84-11eb-9bf7-f57adc48d14d</guid>
      <content:encoded><![CDATA[<p>Today’s guest is content creator Brandon from the IG account “Worth Life Balance.” After receiving an athletic scholarship, Brandon was initially set on a career in sports. However, he quickly realized that those opportunities were few and far between, and shifted into a career in finance. Brandon shares how his earliest money memories from a paper route taught him the importance of not spending money until you have it. We also discuss lessons that couples can incorporate into their financial planning, and why an investment in education can have the best ROI.</p><p>  </p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:20:38</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 01 Jul 2021 11:30:00 -0400</pubDate>
      <itunes:subtitle>Today’s guest is content creator Brandon from the IG account “Worth Life Balance.” After receiving an athletic scholarship, Brandon was initially set on a career in sports. However, he quickly reali…</itunes:subtitle>
      <itunes:summary>Today’s guest is content creator Brandon from the IG account “Worth Life Balance.” After receiving an athletic scholarship, Brandon was initially set on a career in sports. However, he quickly realized that those opportunities were few and far between, and shifted into a career in finance. Brandon shares how his earliest money memories from a paper route taught him the importance of not spending money until you have it. We also discuss lessons that couples can incorporate into their financial planning, and why an investment in education can have the best ROI.</itunes:summary>
    </item>
    <item>
      <title>Dragging Your Way Into Creative Self-Expression</title>
      <description>Karlie Kant lives for the applause, applause, applause.

She is a Berlin-based drag queen with self-proclaimed “big visions…and an even bigger nose!”

We discuss how Karlie defines success – both monetarily and artistically- as well as the unique “startup risks” that drag performers face.

Pray we catch you tuning in to this epic episode!</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210624103401-20201217135051-Karlie_Kant_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210624103401-20201217135051-Karlie_Kant_Reduced" type="audio/mpeg" length="9188160"/>
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      <content:encoded><![CDATA[<p>Karlie Kant lives for the applause, applause, applause.</p><p>She is a Berlin-based drag queen with self-proclaimed “big visions…and an even bigger nose!”</p><p>We discuss how Karlie defines success – both monetarily and artistically- as well as the unique “startup risks” that drag performers face.</p><p>Pray we catch you tuning in to this epic episode!</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:18:36</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 24 Jun 2021 10:31:00 -0400</pubDate>
      <itunes:subtitle>Karlie Kant lives for the applause, applause, applause.She is a Berlin-based drag queen with self-proclaimed “big visions…and an even bigger nose!”We discuss how Karlie defines success – both monetar…</itunes:subtitle>
      <itunes:summary>Karlie Kant lives for the applause, applause, applause.

She is a Berlin-based drag queen with self-proclaimed “big visions…and an even bigger nose!”

We discuss how Karlie defines success – both monetarily and artistically- as well as the unique “startup risks” that drag performers face.

Pray we catch you tuning in to this epic episode!</itunes:summary>
    </item>
    <item>
      <title>Let's Talk About Money</title>
      <description><![CDATA[Kelsey Willock is the Founder and CEO of Tardi - a psychology backed financial wellness and investment platform. She is also the author of "Not Your Boyfriend's Investment Advice" - a weekly newsletter where she uses humor and storytelling to educate her readers about investing and finance. Prior to her work at Tardi and NYBIA, she worked for Goldman Sachs advising institutional clients and on Launch with GS - the firm's billion dollar commitment to investing in diverse entrepreneurs and investment managers. Not Your Boyfriends Investment Advice https://notyourboyfriends.substack.com/people/5267310-kelsey-willock]]></description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210617143003-KelseyW.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210617143003-KelseyW" type="audio/mpeg" length="31035058"/>
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      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:21:33</itunes:duration>
      <pubDate>Thu, 17 Jun 2021 13:36:00 -0400</pubDate>
      <itunes:subtitle>Kelsey Willock is the Founder and CEO of Tardi - a psychology backed financial wellness and investment platform. She is also the author of "Not Your Boyfriend's Investment Advice" - a…</itunes:subtitle>
      <itunes:summary>Kelsey Willock is the Founder and CEO of Tardi - a psychology backed financial wellness and investment platform. She is also the author of "Not Your Boyfriend's Investment Advice" - a weekly newsletter where she uses humor and storytelling to educate her readers about investing and finance. Prior to her work at Tardi and NYBIA, she worked for Goldman Sachs advising institutional clients and on Launch with GS - the firm's billion dollar commitment to investing in diverse entrepreneurs and investment managers. Not Your Boyfriends Investment Advice https://notyourboyfriends.substack.com/people/5267310-kelsey-willock</itunes:summary>
    </item>
    <item>
      <title>The Story of A'govest: A Mexican Fintech Startup Built by Women, for Women</title>
      <description>Marisol Pérez-Chow and Fernanda Cuadra are the founders of agovest.com, a platform aimed at reducing the gender wealth gap for women in Mexico. They met while pursuing their MBAs at the University of Chicago Booth School of Business</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210602103651-20201217135045-Agovest_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210602103651-20201217135045-Agovest_Reduced" type="audio/mpeg" length="10751616"/>
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      <content:encoded><![CDATA[<p>Marisol Pérez-Chow and Fernanda Cuadra are the founders of agovest.com, a platform aimed at reducing the gender wealth gap for women in Mexico. They met while pursuing their MBAs at the University of Chicago Booth School of Business</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135047-cover_art_resized.jpg"/>
      <itunes:duration>00:21:51</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135047-cover_art_resized.jpg 900w"/>
      <pubDate>Wed, 02 Jun 2021 12:35:00 -0400</pubDate>
      <itunes:subtitle>Marisol Pérez-Chow and Fernanda Cuadra are the founders of agovest.com, a platform aimed at reducing the gender wealth gap for women in Mexico. They met while pursuing their MBAs at the University …</itunes:subtitle>
      <itunes:summary>Marisol Pérez-Chow and Fernanda Cuadra are the founders of agovest.com, a platform aimed at reducing the gender wealth gap for women in Mexico. They met while pursuing their MBAs at the University of Chicago Booth School of Business</itunes:summary>
    </item>
    <item>
      <title>Building A Digital Ellis Island</title>
      <description>Amir Hemmat is the co-founder and CEO of Welcome Technologies. Welcome Tech is the “digital Ellis Island” and future global platform for immigration. It is currently focused on the U.S. Latinx community, the largest immigrant community in the world. Amir shares how his parents’ immigrant experience influenced his relationship with money, and how overcoming cancer shifted his perspectives.

Bonus: with Memorial Day weekend around the corner, I asked you to share your vacation  budgets in this week’s listener submissions.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210526150912-MM052621_AmirWelcomeTech.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210526150912-MM052621_AmirWelcomeTech" type="audio/mpeg" length="28288440"/>
      <guid isPermaLink="false">db76eb90-be55-11eb-8a2a-27fb0a25ed1b</guid>
      <content:encoded><![CDATA[<p>Amir Hemmat is the co-founder and CEO of <a href="https://welcome.tech/" target="_blank">Welcome Technologies</a>. Welcome Tech is the “digital Ellis Island” and future global platform for immigration. It is currently focused on the U.S. Latinx community, the largest immigrant community in the world. Amir shares how his parents’ immigrant experience influenced his relationship with money, and how overcoming cancer shifted his perspectives.</p><p><br></p><p>Bonus: with Memorial Day weekend around the corner, I asked you to share your vacation  budgets in this week’s listener submissions.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:19:39</itunes:duration>
      <pubDate>Wed, 26 May 2021 15:04:00 -0400</pubDate>
      <itunes:subtitle>Amir Hemmat is the co-founder and CEO of Welcome Technologies. Welcome Tech is the “digital Ellis Island” and future global platform for immigration. It is currently focused on the U.S. Latinx com…</itunes:subtitle>
      <itunes:summary>Amir Hemmat is the co-founder and CEO of Welcome Technologies. Welcome Tech is the “digital Ellis Island” and future global platform for immigration. It is currently focused on the U.S. Latinx community, the largest immigrant community in the world. Amir shares how his parents’ immigrant experience influenced his relationship with money, and how overcoming cancer shifted his perspectives.

Bonus: with Memorial Day weekend around the corner, I asked you to share your vacation  budgets in this week’s listener submissions.</itunes:summary>
    </item>
    <item>
      <title>How the CEO of the Fintech Payslip Balances Financial and Mental Wellness</title>
      <description>A conversation with the founder and CEO of Payslip, Fidelma McGuirk. Payslip offers its customers real-time visibility and control of payroll processes, something unheard of in an industry that is typically siloed and non-customizable. Fidelma talks about how growing up in Ireland shaped her work ethic, and how she balances financial wellness with mental wellness.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210519104649-FidelmaPayslipv2.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210519104649-FidelmaPayslipv2" type="audio/mpeg" length="19300645"/>
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      <content:encoded><![CDATA[<p>A conversation with the founder and CEO of <a href="https://payslip.com/" target="_blank">Payslip</a>, Fidelma McGuirk. Payslip offers its customers real-time visibility and control of payroll processes, something unheard of in an industry that is typically siloed and non-customizable. Fidelma talks about how growing up in Ireland shaped her work ethic, and how she balances financial wellness with mental wellness.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135047-cover_art_resized.jpg"/>
      <itunes:duration>00:13:24</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135047-cover_art_resized.jpg 900w"/>
      <pubDate>Wed, 19 May 2021 01:12:00 -0400</pubDate>
      <itunes:subtitle>A conversation with the founder and CEO of Payslip, Fidelma McGuirk. Payslip offers its customers real-time visibility and control of payroll processes, something unheard of in an industry that is…</itunes:subtitle>
      <itunes:summary>A conversation with the founder and CEO of Payslip, Fidelma McGuirk. Payslip offers its customers real-time visibility and control of payroll processes, something unheard of in an industry that is typically siloed and non-customizable. Fidelma talks about how growing up in Ireland shaped her work ethic, and how she balances financial wellness with mental wellness.</itunes:summary>
    </item>
    <item>
      <title>Parlez-vous "money?"</title>
      <description>Jonathan Verhaeghe, better known as "Joney Talks," is a Belgian personal finance content creator. After spending a year living in France on his company's dime, he realized that there was more that he could be doing with his money, but wasn't sure where to start. This prompted him to start documenting his personal finance journey, which he now shares via his podcast and blog. We talk about the differences Jon has observed between Europeans and Americans when it comes to money, and the irony of being a finance major who can do options math, but not budget.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210512092510-MM051221Joney_Talks.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210512092510-MM051221Joney_Talks" type="audio/mpeg" length="22689249"/>
      <guid isPermaLink="false">79fc8fd0-b325-11eb-87b7-5d38cff3b3c6</guid>
      <content:encoded><![CDATA[<p>Jonathan Verhaeghe, better known as "<a href="https://joneytalks.com/" target="_blank">Joney Talks</a>," is a Belgian personal finance content creator. After spending a year living in France on his company's dime, he realized that there was more that he could be doing with his money, but wasn't sure where to start. This prompted him to start documenting his personal finance journey, which he now shares via his podcast and blog. </p><p><br></p><p>We talk about the differences Jon has observed between Europeans and Americans when it comes to money, and the irony of being a finance major who can do options math, but not budget. </p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:15:45</itunes:duration>
      <pubDate>Wed, 12 May 2021 09:19:00 -0400</pubDate>
      <itunes:subtitle>Jonathan Verhaeghe, better known as "Joney Talks," is a Belgian personal finance content creator. After spending a year living in France on his company's dime, he realized that there was…</itunes:subtitle>
      <itunes:summary>Jonathan Verhaeghe, better known as "Joney Talks," is a Belgian personal finance content creator. After spending a year living in France on his company's dime, he realized that there was more that he could be doing with his money, but wasn't sure where to start. This prompted him to start documenting his personal finance journey, which he now shares via his podcast and blog. We talk about the differences Jon has observed between Europeans and Americans when it comes to money, and the irony of being a finance major who can do options math, but not budget.</itunes:summary>
    </item>
    <item>
      <title>Say "No" to Payday Loans</title>
      <description><![CDATA[Paris Grant is a student at Florida International University and host of the "Millennial to Millionaire" podcast, which is dedicated to spreading financial literacy to the millennial generation. Growing up, Paris was primarily raised by the women in his family. We talk about how this influenced his relationship to money, particularly around valuing your worth. He also shares his biggest money mistake: taking out a payday loan. This week’s listener submissions feature your responses to the question: what  financial lessons do you wish you had learned when you were younger?]]></description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210505115305-ParisGrantFinanciallessons.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210505115305-ParisGrantFinanciallessons" type="audio/mpeg" length="24044064"/>
      <guid isPermaLink="false">faf9fbc0-adb9-11eb-9aa6-ed26d3d4be71</guid>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>00:16:42</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 05 May 2021 13:30:00 -0400</pubDate>
      <itunes:subtitle>Paris Grant is a student at Florida International University and host of the "Millennial to Millionaire" podcast, which is dedicated to spreading financial literacy to the millennial…</itunes:subtitle>
      <itunes:summary>Paris Grant is a student at Florida International University and host of the "Millennial to Millionaire" podcast, which is dedicated to spreading financial literacy to the millennial generation. Growing up, Paris was primarily raised by the women in his family. We talk about how this influenced his relationship to money, particularly around valuing your worth. He also shares his biggest money mistake: taking out a payday loan. This week’s listener submissions feature your responses to the question: what  financial lessons do you wish you had learned when you were younger?</itunes:summary>
    </item>
    <item>
      <title>Home Is Where The Unicorn Is</title>
      <description>Austin Allison is the co-founder of the disruptive real estate startup Pacaso, which recently became the fastest company to ever reach unicorn status, or a $1 billion valuation. I recently featured Pacaso in a Forbes piece published on April 1st, where I highlighted the company’s unique value proposition, which centers around letting individuals own fractional shares of luxury second homes. Austin shares how buying his first home at the age of 17 sparked his passion for real estate, and the surprising start to his entrepreneurial journey (hint: it has to do with birds). Also, I asked you to take a walk down memory lane with me and share your first every job and salary. A few of your submissions are highlighted in the show.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210427224721-AustinAPacasoPlusFirstJob.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210427224721-AustinAPacasoPlusFirstJob" type="audio/mpeg" length="31819359"/>
      <guid isPermaLink="false">0e1c17e0-a7cc-11eb-a889-3d91fa882fcd</guid>
      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Austin Allison is the co-founder of the disruptive </span><a href="https://www.pacaso.com/blog/our-story" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">real estate startup Pacaso</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">, which recently became the fastest company to ever reach unicorn status, or a $1 billion valuation. I recently featured Pacaso </span><a href="https://www.forbes.com/sites/ilonalimonta-volkova/2021/04/01/is-fractional-home-ownership-the-future/?sh=3adda11624cf" target="_blank" style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">in a Forbes piece published on April 1st</a><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">, where I highlighted the company’s unique value proposition, which centers around letting individuals own fractional shares of luxury second homes. Austin shares how buying his first home at the age of 17 sparked his passion for real estate, and the surprising start to his entrepreneurial journey (hint: it has to do with birds). </span></p><p><br></p><p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Also, I asked you to take a walk down memory lane with me and share your first ever job and salary. A few of your submissions are highlighted in the show.</span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:22:06</itunes:duration>
      <pubDate>Wed, 28 Apr 2021 06:00:00 -0400</pubDate>
      <itunes:subtitle>Austin Allison is the co-founder of the disruptive real estate startup Pacaso, which recently became the fastest company to ever reach unicorn status, or a $1 billion valuation. I recently featured…</itunes:subtitle>
      <itunes:summary>Austin Allison is the co-founder of the disruptive real estate startup Pacaso, which recently became the fastest company to ever reach unicorn status, or a $1 billion valuation. I recently featured Pacaso in a Forbes piece published on April 1st, where I highlighted the company’s unique value proposition, which centers around letting individuals own fractional shares of luxury second homes. Austin shares how buying his first home at the age of 17 sparked his passion for real estate, and the surprising start to his entrepreneurial journey (hint: it has to do with birds). Also, I asked you to take a walk down memory lane with me and share your first every job and salary. A few of your submissions are highlighted in the show.</itunes:summary>
    </item>
    <item>
      <title>Keeping the planet in the green</title>
      <description>An article in the Wall Street Journal this week spotlighted a company named SilviaTerra — they use satellite imagery and AI to run a marketplace that values every acre of forest for timber, carbon, wildlife habitat, and other types of natural capital. To Money Memories listeners, this might have seemed familiar! We spoke with one of SilviaTerra's founders, Max Nova, last summer. Here's a look back at our conversation about what lessons Max has learned from Mr. Money Moustache, and why he considers himself a risk-averse entrepreneur. (Find his work at silviaterra.com)</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210421170401-20201217135055-Max_Nova_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210421170401-20201217135055-Max_Nova_Reduced" type="audio/mpeg" length="24223704"/>
      <guid isPermaLink="false">19062350-a2e5-11eb-92a9-75a1b53eb688</guid>
      <content:encoded><![CDATA[<p>An article in the Wall Street Journal this week spotlighted a company named <a href="https://bearandthebull.comsilviaterra.com" target="_blank">SilviaTerra</a> — they use satellite imagery and AI to run a marketplace that values every acre of forest for timber, carbon, wildlife habitat, and other types of natural capital.</p><p><br></p><p>To Money Memories listeners, this might have seemed familiar! We spoke with one of SilviaTerra's founders, Max Nova, last summer. Here's a look back at our conversation about what lessons Max has learned from Mr. Money Moustache, and why he considers himself a risk-averse entrepreneur.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:25:10</itunes:duration>
      <pubDate>Wed, 21 Apr 2021 16:51:00 -0400</pubDate>
      <itunes:subtitle>An article in the Wall Street Journal this week spotlighted a company named SilviaTerra — they use satellite imagery and AI to run a marketplace that values every acre of forest for timber, carbon, w…</itunes:subtitle>
      <itunes:summary>An article in the Wall Street Journal this week spotlighted a company named SilviaTerra — they use satellite imagery and AI to run a marketplace that values every acre of forest for timber, carbon, wildlife habitat, and other types of natural capital. To Money Memories listeners, this might have seemed familiar! We spoke with one of SilviaTerra's founders, Max Nova, last summer. Here's a look back at our conversation about what lessons Max has learned from Mr. Money Moustache, and why he considers himself a risk-averse entrepreneur. (Find his work at silviaterra.com)</itunes:summary>
    </item>
    <item>
      <title>How One Startup Uses Rent to Bridge the Racial Wealth Gap</title>
      <description>This episode features Wemimo Abbey and Samir Goel, the co-founders of Esusu, a fintech platform that leverages data to bridge the racial wealth gap. Today, more than 7 million Americans are unbanked, and more than 20 million are credit invisible, meaning they lack credit history with one of the 3 credit reporting agencies. Esusu helps individuals build credit by allowing them to report their rent payments to these agencies. We talk about how Abbey and Samir’s shared immigrant experiences had a profound effect on their understanding of wealth and equality, and the challenges of building a product that most VCs don’t have first hand experience with.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210414111456-MM041421_Esusu.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210414111456-MM041421_Esusu" type="audio/mpeg" length="32782337"/>
      <guid isPermaLink="false">2bf98dd0-9d34-11eb-b40c-c9c2fdc6fee5</guid>
      <content:encoded><![CDATA[<p>This episode features Wemimo Abbey and Samir Goel, the co-founders of <a href="https://esusurent.com/" target="_blank">Esusu</a>, a fintech platform that leverages data to bridge the racial wealth gap. Today, more than 7 million Americans are unbanked, and more than 20 million are credit invisible, meaning they lack credit history with one of the 3 credit reporting agencies. Esusu helps individuals build credit by allowing them to report their rent payments to these agencies. We talk about how Abbey and Samir’s shared immigrant experiences had a profound effect on their understanding of wealth and equality, and the challenges of building a product that most VCs don’t have first hand experience with. </p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:22:46</itunes:duration>
      <pubDate>Wed, 14 Apr 2021 11:30:00 -0400</pubDate>
      <itunes:subtitle>This episode features Wemimo Abbey and Samir Goel, the co-founders of Esusu, a fintech platform that leverages data to bridge the racial wealth gap. Today, more than 7 million Americans are…</itunes:subtitle>
      <itunes:summary>This episode features Wemimo Abbey and Samir Goel, the co-founders of Esusu, a fintech platform that leverages data to bridge the racial wealth gap. Today, more than 7 million Americans are unbanked, and more than 20 million are credit invisible, meaning they lack credit history with one of the 3 credit reporting agencies. Esusu helps individuals build credit by allowing them to report their rent payments to these agencies. We talk about how Abbey and Samir’s shared immigrant experiences had a profound effect on their understanding of wealth and equality, and the challenges of building a product that most VCs don’t have first hand experience with.</itunes:summary>
    </item>
    <item>
      <title>Small Money Moves, Big Wins</title>
      <description>Everyday Finance Gal is a personal finance influencer who is on a mission to help individuals build generational wealth. She discusses what her earliest money memory of translating for her immigrant parents taught her, and how she learned to overcome scarcity mentality to master investing. Plus, this week's listener-submitted money memory shares lessons learned along a paper route.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210406183551-MM040621_EverydayFinanceGal.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210406183551-MM040621_EverydayFinanceGal" type="audio/mpeg" length="27147411"/>
      <guid isPermaLink="false">712f0d30-9728-11eb-bb85-e31e41e9edac</guid>
      <content:encoded><![CDATA[<p><span style="background-color: rgb(255, 255, 255); color: rgb(34, 34, 34);">Everyday Finance Gal is a personal finance influencer who is on a mission to help individuals build generational wealth. She discusses what her earliest money memory of translating for her immigrant parents taught her, and how she learned to overcome scarcity mentality to master investing. Plus, this week's listener-submitted money memory shares lessons learned along a paper route. </span></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:18:51</itunes:duration>
      <pubDate>Wed, 07 Apr 2021 06:00:00 -0400</pubDate>
      <itunes:subtitle>Everyday Finance Gal is a personal finance influencer who is on a mission to help individuals build generational wealth. She discusses what her earliest money memory of translating for her immigrant…</itunes:subtitle>
      <itunes:summary>Everyday Finance Gal is a personal finance influencer who is on a mission to help individuals build generational wealth. She discusses what her earliest money memory of translating for her immigrant parents taught her, and how she learned to overcome scarcity mentality to master investing. Plus, this week's listener-submitted money memory shares lessons learned along a paper route.</itunes:summary>
    </item>
    <item>
      <title>Spend Less Than You Have (If You Can)</title>
      <description>Devon Melanson is a Canadian-based mortgage agent. When he's not busy helping people make their homeownership dreams come true, he runs an educational Instagram platform called @melansonmortgages. He shares how his parents instilled the importance of maintaining good credit early on, and how to practice good financial planning habits while working in a commission-based industry like real estate. Also, we feature a listener money memory submission that reminds us of the importance of always living below your means.</description>
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      <content:encoded><![CDATA[<p>Devon Melanson is a Canadian-based mortgage agent. When he's not busy helping people make their homeownership dreams come true, he runs an educational Instagram platform called @<a href="https://www.instagram.com/melansonmortgages/" target="_blank">melansonmortgages</a>. He shares how his parents instilled the importance of maintaining good credit early on, and how to practice good financial planning habits while working in a commission-based industry like real estate. </p><p><br></p><p>Also, we feature a listener money memory submission that reminds us of the importance of always living below your means. </p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:17:29</itunes:duration>
      <pubDate>Wed, 31 Mar 2021 16:23:00 -0400</pubDate>
      <itunes:subtitle>Devon Melanson is a Canadian-based mortgage agent. When he's not busy helping people make their homeownership dreams come true, he runs an educational Instagram platform called @melansonmortgages.…</itunes:subtitle>
      <itunes:summary>Devon Melanson is a Canadian-based mortgage agent. When he's not busy helping people make their homeownership dreams come true, he runs an educational Instagram platform called @melansonmortgages. He shares how his parents instilled the importance of maintaining good credit early on, and how to practice good financial planning habits while working in a commission-based industry like real estate. Also, we feature a listener money memory submission that reminds us of the importance of always living below your means.</itunes:summary>
    </item>
    <item>
      <title>Hella Pale, Hella Male: How This Former Teacher Brings Diversity to Personal Finance Conversations</title>
      <description>Rita Soledad is the founder and creator of the personal finance platform "Wealth Para Todos" and has been featured in Time's NextAdvisor series. She shares how growing up in the Latino community in southern California shaped her perspective, and how her debt payoff journey taught her to challenge her preconceived assumptions around money. Rita also discusses the emotional impact of poverty on our relationship to money, and why personal finance doesn't have to be hella pale, or hella male.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210322133129-MM032221_WealthParaTodos.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210322133129-MM032221_WealthParaTodos" type="audio/mpeg" length="25506712"/>
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      <content:encoded><![CDATA[<p>Rita Soledad is the founder and creator of the personal finance platform "<a href="https://www.wealthparatodos.com/" target="_blank">Wealth Para Todos</a>" and has been featured in <a href="https://time.com/nextadvisor/investing/latina-investors-fire-movement/" target="_blank">Time's NextAdvisor series</a>. She shares how growing up in the Latino community in southern California shaped her perspective, and how her debt payoff journey taught her to challenge her preconceived assumptions around money. Rita also discusses the emotional impact of poverty on our relationship to money, and why personal finance doesn't have to be hella pale, or hella male.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:17:43</itunes:duration>
      <pubDate>Mon, 22 Mar 2021 13:26:00 -0400</pubDate>
      <itunes:subtitle>Rita Soledad is the founder and creator of the personal finance platform "Wealth Para Todos" and has been featured in Time's NextAdvisor series. She shares how growing up in the Latino…</itunes:subtitle>
      <itunes:summary>Rita Soledad is the founder and creator of the personal finance platform "Wealth Para Todos" and has been featured in Time's NextAdvisor series. She shares how growing up in the Latino community in southern California shaped her perspective, and how her debt payoff journey taught her to challenge her preconceived assumptions around money. Rita also discusses the emotional impact of poverty on our relationship to money, and why personal finance doesn't have to be hella pale, or hella male.</itunes:summary>
    </item>
    <item>
      <title>How to Keep the Cash Flowing When the Ink Won't</title>
      <description>Diego Mannino is a renowned tattoo artist who is celebrated for his Japanese-style custom illustrations. He spent decades at the iconic Daredevil Tattoo  in New York City before relocating back to his native LA. We talk about how working in a cash-based business taught him financial discipline, and one of his favorite celebrity clients.</description>
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      <content:encoded><![CDATA[<p>Diego Mannino is a renowned tattoo artist who is celebrated for his Japanese-style custom illustrations. He spent decades at the iconic Daredevil Tattoo in New York City before relocating back to his native LA. We talk about how working in a cash-based business taught him financial discipline, and one of his favorite celebrity clients.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:24:24</itunes:duration>
      <pubDate>Wed, 10 Mar 2021 22:36:00 -0500</pubDate>
      <itunes:subtitle>Diego Mannino is a renowned tattoo artist who is celebrated for his Japanese-style custom illustrations. He spent decades at the iconic Daredevil Tattoo in New York City before relocating back to…</itunes:subtitle>
      <itunes:summary>Diego Mannino is a renowned tattoo artist who is celebrated for his Japanese-style custom illustrations. He spent decades at the iconic Daredevil Tattoo  in New York City before relocating back to his native LA. We talk about how working in a cash-based business taught him financial discipline, and one of his favorite celebrity clients.</itunes:summary>
    </item>
    <item>
      <title>Can Student Loans And Saving Coexist?</title>
      <description>Eryn Schultz is the founder of pHERsonal Finance Day, a platform which offers courses and content tailored to high-earning women. Eryn is a graduate of Georgetown University and Harvard Business School. She discusses what inspired her to plunge into entrepreneurship, and answers your questions about student loans.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210224134748-MM022421_Eryn_Schultz.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210224134748-MM022421_Eryn_Schultz" type="audio/mpeg" length="11199679"/>
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      <content:encoded><![CDATA[<p>Eryn Schultz is the founder of pHERsonal Finance Day, a platform which offers courses and content tailored to high-earning women. Eryn is a graduate of Georgetown University and Harvard Business School. She discusses what inspired her to plunge into entrepreneurship, and answers your questions about student loans.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:11:40</itunes:duration>
      <pubDate>Wed, 24 Feb 2021 13:42:00 -0500</pubDate>
      <itunes:subtitle>Eryn Schultz is the founder of pHERsonal Finance Day, a platform which offers courses and content tailored to high-earning women. Eryn is a graduate of Georgetown University and Harvard Business…</itunes:subtitle>
      <itunes:summary>Eryn Schultz is the founder of pHERsonal Finance Day, a platform which offers courses and content tailored to high-earning women. Eryn is a graduate of Georgetown University and Harvard Business School. She discusses what inspired her to plunge into entrepreneurship, and answers your questions about student loans.</itunes:summary>
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    <item>
      <title>Money Doesn't Make You Happy, But Lifestyle Creep Can Make You Miserable</title>
      <description>Warren Gosling has learned that money is the key to unlocking more freedom and time.



Warren graduated with a degree in Economics from the University of Manchester. He entered the banking industry on Barclays’ graduate scheme where he spent 4 years, before moving to PricewaterhouseCoopers’ risk management consulting practice. There, his project engagements included a number of high-profile finance firms, including Lehman Brothers, Citibank, RBS, UBS. He is now an independent contractor.



Outside of work, Warren has a strong dedication to providing financial literacy and setting people up on their journey towards financial freedom - especially communities of color. 



We talk about how Warren’s Caribbean roots have shaped his mission to give back and the moment he realized that money does not necessarily make you happy while working in a high-paying, fast-paced industry.</description>
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      <content:encoded><![CDATA[<p>Warren Gosling has learned that money is the key to unlocking more freedom and time.</p><p><br></p><p>Warren graduated with a degree in Economics from the University of Manchester. He entered the banking industry on Barclays’ graduate scheme where he spent 4 years, before moving to PricewaterhouseCoopers’ risk management consulting practice. There, his project engagements included a number of high-profile finance firms, including Lehman Brothers, Citibank, RBS, UBS. He is now an independent contractor.</p><p><br></p><p>Outside of work, Warren has a strong dedication to providing financial literacy and setting people up on their journey towards financial freedom - especially communities of color. </p><p><br></p><p>We talk about how Warren’s Caribbean roots have shaped his mission to give back and the moment he realized that money does not necessarily make you happy while working in a high-paying, fast-paced industry.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:15:54</itunes:duration>
      <pubDate>Wed, 17 Feb 2021 07:00:00 -0500</pubDate>
      <itunes:subtitle>Warren Gosling has learned that money is the key to unlocking more freedom and time.Warren graduated with a degree in Economics from the University of Manchester. He entered the banking industry on…</itunes:subtitle>
      <itunes:summary>Warren Gosling has learned that money is the key to unlocking more freedom and time.



Warren graduated with a degree in Economics from the University of Manchester. He entered the banking industry on Barclays’ graduate scheme where he spent 4 years, before moving to PricewaterhouseCoopers’ risk management consulting practice. There, his project engagements included a number of high-profile finance firms, including Lehman Brothers, Citibank, RBS, UBS. He is now an independent contractor.



Outside of work, Warren has a strong dedication to providing financial literacy and setting people up on their journey towards financial freedom - especially communities of color. 



We talk about how Warren’s Caribbean roots have shaped his mission to give back and the moment he realized that money does not necessarily make you happy while working in a high-paying, fast-paced industry.</itunes:summary>
    </item>
    <item>
      <title>Managing Money as a Digital Nomad</title>
      <description>Jules Costa is a true digital nomad. She was raised by Brazilian parents in Chicago, and kick started her career as a freelancer when her laptop died while traveling, forcing her to invent a creative solution to earn money for a replacement. 



Since then, she has launched a successful solo business as a copywriter, and shares her tips for other freelancers who are interested in pursuing financial independence through her Instagram platform, @julesontap.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210209211338-MM020921_JulesCosta.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210209211338-MM020921_JulesCosta" type="audio/mpeg" length="22153844"/>
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      <content:encoded><![CDATA[<p>Jules Costa is a true digital nomad. She was raised by Brazilian parents in Chicago, and kick started her career as a freelancer when her laptop died while traveling, forcing her to invent a creative solution to earn money for a replacement. </p><p><br></p><p>Since then, she has launched a successful solo business as a copywriter, and shares her tips for other freelancers who are interested in pursuing financial independence through her Instagram platform, <a href="https://www.instagram.com/julesontap/" target="_blank">@julesontap</a>.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:15:23</itunes:duration>
      <pubDate>Wed, 10 Feb 2021 06:00:00 -0500</pubDate>
      <itunes:subtitle>Jules Costa is a true digital nomad. She was raised by Brazilian parents in Chicago, and kick started her career as a freelancer when her laptop died while traveling, forcing her to invent a…</itunes:subtitle>
      <itunes:summary>Jules Costa is a true digital nomad. She was raised by Brazilian parents in Chicago, and kick started her career as a freelancer when her laptop died while traveling, forcing her to invent a creative solution to earn money for a replacement. 



Since then, she has launched a successful solo business as a copywriter, and shares her tips for other freelancers who are interested in pursuing financial independence through her Instagram platform, @julesontap.</itunes:summary>
    </item>
    <item>
      <title>You Know More About Personal Finance Than You Think</title>
      <description>Chris Browning is the host of the award-winning podcast “Popcorn Finance.” The show’s mission is to help people make sense of personal finance in less time than it takes to make a bag of popcorn. Chris has been featured in Yahoo Finance, Investopedia, and Nerdwallet. In this episode, Chris shares his biggest money mistakes and wins, and what he believes the keys to financial wellness are.</description>
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      <content:encoded><![CDATA[<p>Chris Browning is the host of the award-winning podcast “<a href="https://popcornfinance.com/" target="_blank">Popcorn Finance</a>.” The show’s mission is to help people make sense of personal finance in less time than it takes to make a bag of popcorn. Chris has been featured in Yahoo Finance, Investopedia, and Nerdwallet. In this episode, Chris shares his biggest money mistakes and wins, and what he believes the keys to financial wellness are.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:18:33</itunes:duration>
      <pubDate>Wed, 03 Feb 2021 07:00:00 -0500</pubDate>
      <itunes:subtitle>Chris Browning is the host of the award-winning podcast “Popcorn Finance.” The show’s mission is to help people make sense of personal finance in less time than it takes to make a bag of popcorn. Chr…</itunes:subtitle>
      <itunes:summary>Chris Browning is the host of the award-winning podcast “Popcorn Finance.” The show’s mission is to help people make sense of personal finance in less time than it takes to make a bag of popcorn. Chris has been featured in Yahoo Finance, Investopedia, and Nerdwallet. In this episode, Chris shares his biggest money mistakes and wins, and what he believes the keys to financial wellness are.</itunes:summary>
    </item>
    <item>
      <title>How One Influencer Turned Her Side Hustle Into A 6-Figure Career</title>
      <description>Katia Chesnok is the founder of personal finance blog and Instagram platform Economikat, where she educates millennials, Latinx, and BIPOC communities on all things money, and empowers them with wealth-building tips to earn more, negotiate, side hustle, budget, and invest. She paid off more than $38,000 of credit card debt in 18 months thanks to her side hustle, which later became a six-figure digital marketing business.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210126215434-MM012621_Economikat.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210126215434-MM012621_Economikat" type="audio/mpeg" length="19158330"/>
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      <content:encoded><![CDATA[<p>Katia Chesnok is the founder of personal finance blog and Instagram platform <a href="https://www.instagram.com/economikat/" target="_blank">Economikat</a>, where she educates millennials, Latinx, and BIPOC communities on all things money, and empowers them with wealth-building tips to earn more, negotiate, side hustle, budget, and invest. She paid off more than $38,000 of credit card debt in 18 months thanks to her side hustle, which later became a six-figure digital marketing business.</p><p><br></p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:13:18</itunes:duration>
      <pubDate>Wed, 27 Jan 2021 07:00:00 -0500</pubDate>
      <itunes:subtitle>Katia Chesnok is the founder of personal finance blog and Instagram platform Economikat, where she educates millennials, Latinx, and BIPOC communities on all things money, and empowers them with…</itunes:subtitle>
      <itunes:summary>Katia Chesnok is the founder of personal finance blog and Instagram platform Economikat, where she educates millennials, Latinx, and BIPOC communities on all things money, and empowers them with wealth-building tips to earn more, negotiate, side hustle, budget, and invest. She paid off more than $38,000 of credit card debt in 18 months thanks to her side hustle, which later became a six-figure digital marketing business.</itunes:summary>
    </item>
    <item>
      <title>From DACA to Dream Job: Meet Best-Selling Author Daniela Pierre-Bravo</title>
      <description>Daniela Pierre-Bravo is a New York City-based booking producer for MSNBC’s “Morning Joe,” co-author, alongside Mika Brezinski, of the best-selling book “Earn It! Know Your Value and Grow Your Career, in your 20s and Beyond." &#13;
&#13;
Daniela grew up in Ohio, as the daughter of immigrants from Chile. She found out that she was undocumented shortly before beginning college, and discusses how this profoundly affected her views on money and professional success.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210120205132-MM012021_DanielaPB.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210120205132-MM012021_DanielaPB" type="audio/mpeg" length="37383440"/>
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      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:25:57</itunes:duration>
      <pubDate>Thu, 21 Jan 2021 07:00:00 -0500</pubDate>
      <itunes:subtitle>Daniela Pierre-Bravo is a New York City-based booking producer for MSNBC’s “Morning Joe,” co-author, alongside Mika Brezinski, of the best-selling book “Earn It! Know Your Value and Grow Your Career,…</itunes:subtitle>
      <itunes:summary>Daniela Pierre-Bravo is a New York City-based booking producer for MSNBC’s “Morning Joe,” co-author, alongside Mika Brezinski, of the best-selling book “Earn It! Know Your Value and Grow Your Career, in your 20s and Beyond." &#13;
&#13;
Daniela grew up in Ohio, as the daughter of immigrants from Chile. She found out that she was undocumented shortly before beginning college, and discusses how this profoundly affected her views on money and professional success.</itunes:summary>
    </item>
    <item>
      <title>Finding the Parallels Between Sports and Money</title>
      <description>Maia Monell is the co-founder and chief marketing officer at Nav.it, a digital banking app seeking to empower customers to make better financial choices by changing the conversation around money. She discusses how growing up playing tennis influenced her competitive professional outlook, and why you are more than just your credit score.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210114214318-MM011421_Maia_Monell.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210114214318-MM011421_Maia_Monell" type="audio/mpeg" length="16437543"/>
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      <content:encoded><![CDATA[<p>Maia Monell is the co-founder and chief marketing officer at <a href="https://navitmoney.com/" target="_blank">Nav.it</a>, a digital banking app seeking to empower customers to make better financial choices by changing the conversation around money. She discusses how growing up playing tennis influenced her competitive professional outlook, and why you are more than just your credit score. </p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:17:03</itunes:duration>
      <pubDate>Fri, 15 Jan 2021 06:00:00 -0500</pubDate>
      <itunes:subtitle>Maia Monell is the co-founder and chief marketing officer at Nav.it, a digital banking app seeking to empower customers to make better financial choices by changing the conversation around money.…</itunes:subtitle>
      <itunes:summary>Maia Monell is the co-founder and chief marketing officer at Nav.it, a digital banking app seeking to empower customers to make better financial choices by changing the conversation around money. She discusses how growing up playing tennis influenced her competitive professional outlook, and why you are more than just your credit score.</itunes:summary>
    </item>
    <item>
      <title>Who is the voice behind this podcast? Meet Ilona, your Money Memories host</title>
      <description>Learn more about the person behind the “Money Memories.” Host Ilona shares her family’s journey from Cuba, to Russia, to Kentucky, how her earliest money memory taught her that money is about control, and why she’ll spend money on a pedicure – but not a manicure. Don’t forget to follow our new Instagram page: @money_memories.</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20210108003856-MM010821_whos_behind_the_mic.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20210108003856-MM010821_whos_behind_the_mic" type="audio/mpeg" length="27002588"/>
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      <content:encoded><![CDATA[<p>Learn more about the person behind the “Money Memories.” Host Ilona shares her family’s journey from Cuba, to Russia, to Kentucky, how her earliest money memory taught her that money is about control, and why she’ll spend money on a pedicure – but not a manicure. Don’t forget to follow our new Instagram page: @<a href="https://www.instagram.com/money_memories/" target="_blank">money_memories</a>.</p>]]></content:encoded>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>00:18:45</itunes:duration>
      <pubDate>Fri, 08 Jan 2021 06:00:00 -0500</pubDate>
      <itunes:subtitle>Learn more about the person behind the “Money Memories.” Host Ilona shares her family’s journey from Cuba, to Russia, to Kentucky, how her earliest money memory taught her that money is about contr…</itunes:subtitle>
      <itunes:summary>Learn more about the person behind the “Money Memories.” Host Ilona shares her family’s journey from Cuba, to Russia, to Kentucky, how her earliest money memory taught her that money is about control, and why she’ll spend money on a pedicure – but not a manicure. Don’t forget to follow our new Instagram page: @money_memories.</itunes:summary>
    </item>
    <item>
      <title>How Mills Got to Know Her Bills</title>
      <description>&lt;p&gt;Amelia "Mills" Bender is the creator of the personal finance YouTube channel and platform Mills Knows Bills.&lt;br&gt;&lt;br&gt;&lt;/p&gt; &lt;p&gt;&lt;a href="https://www.millsknowsbills.com/"&gt;Website&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href= "https://www.instagram.com/millsknowsbills/"&gt;Instagram&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href= "https://www.linkedin.com/in/ameliabender/"&gt;LInkedIn&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href="https://twitter.com/BenderMills"&gt;Twitter&lt;/a&gt;&lt;/p&gt;</description>
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      <content:encoded><![CDATA[<p>Amelia "Mills" Bender is the creator of the personal finance YouTube channel and platform Mills Knows Bills.</p><p><br></p><p><br></p><p><a href="https://www.millsknowsbills.com/" target="_blank">Website</a></p><p><a href="https://www.instagram.com/millsknowsbills/" target="_blank">Instagram</a></p><p><a href="https://www.linkedin.com/in/ameliabender/" target="_blank">LInkedIn</a></p><p><a href="https://twitter.com/BenderMills" target="_blank">Twitter</a></p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>Amelia "Mills" Bender is the creator of the personal finance YouTube channel and platform Mills Knows Bills.</itunes:subtitle>
      <itunes:summary>Amelia, aka Mills, shares how her first “a ha” moment in college started her on her path towards financial self-improvement, and why she believes that personal finance is a journey, and not a destination.</itunes:summary>
      <itunes:title>How Mills Got to Know Her Bills</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>16:49</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 18 Nov 2020 04:00:00 -0500</pubDate>
    </item>
    <item>
      <title>Beginning With the End in Mind</title>
      <description>&lt;p class="p1"&gt;Matthew Henshall is a South African-based startup founder. He focuses on edtech, and is the CEO of Code4Kids, as well as Lessonspace and SkillUp.&lt;/p&gt; &lt;p&gt;Learn more here:&lt;/p&gt; &lt;p&gt;&lt;a href="https://www.linkedin.com/company/skillup-tutors/" target="_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=https://www.linkedin.com/company/skillup-tutors/&amp;source=gmail&amp;ust=1605133775229000&amp;usg=AFQjCNHSyUown_DdXxHXV1v8ejmhpAtzTQ"&gt; https://www.linkedin.com/&lt;wbr /&gt;company/skillup-tutors&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href="https://www.instagram.com/skilluptutors/" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=https://www.instagram.com/skilluptutors/&amp;source=gmail&amp;ust=1605133775229000&amp;usg=AFQjCNHj_EnjvfVRpCbXxXxJo2dJK2h-nQ"&gt; https://www.instagram.com/&lt;wbr /&gt;skilluptutors/&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href="https://www.linkedin.com/company/getcode4kids" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=https://www.linkedin.com/company/getcode4kids&amp;source=gmail&amp;ust=1605133775229000&amp;usg=AFQjCNHslwMVN5hwS0iLV4Vcuv7cgWSFgw"&gt; https://www.linkedin.com/&lt;wbr /&gt;company/getcode4kids&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href="https://www.linkedin.com/company/lessonspace" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=https://www.linkedin.com/company/lessonspace&amp;source=gmail&amp;ust=1605133775229000&amp;usg=AFQjCNGHd_sypTM4TfD8VBtwVrQoAVc3NA"&gt; https://www.linkedin.com/&lt;wbr /&gt;company/lessonspace&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href="https://www.linkedin.com/company/room-sh" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=https://www.linkedin.com/company/room-sh&amp;source=gmail&amp;ust=1605133775229000&amp;usg=AFQjCNGpd6pgkfQ3Z7o4TdtQ-CYhL7Unpw"&gt; https://www.linkedin.com/&lt;wbr /&gt;company/room-sh&lt;/a&gt;&lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135044-Matthew_H_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135044-Matthew_H_Reduced" type="audio/mpeg" length="12520320"/>
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      <content:encoded><![CDATA[<p class="p1">Matthew Henshall is a South African-based startup founder. He focuses on edtech, and is the CEO of Code4Kids, as well as Lessonspace and SkillUp.</p> <p>Learn more here:</p> <p><a href="https://www.linkedin.com/company/skillup-tutors/" target="_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=https://www.linkedin.com/company/skillup-tutors/&source=gmail&ust=1605133775229000&usg=AFQjCNHSyUown_DdXxHXV1v8ejmhpAtzTQ"> https://www.linkedin.com/company/skillup-tutors</a></p> <p><a href="https://www.instagram.com/skilluptutors/" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=https://www.instagram.com/skilluptutors/&source=gmail&ust=1605133775229000&usg=AFQjCNHj_EnjvfVRpCbXxXxJo2dJK2h-nQ"> https://www.instagram.com/skilluptutors/</a></p> <p><a href="https://www.linkedin.com/company/getcode4kids" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=https://www.linkedin.com/company/getcode4kids&source=gmail&ust=1605133775229000&usg=AFQjCNHslwMVN5hwS0iLV4Vcuv7cgWSFgw"> https://www.linkedin.com/company/getcode4kids</a></p> <p><a href="https://www.linkedin.com/company/lessonspace" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=https://www.linkedin.com/company/lessonspace&source=gmail&ust=1605133775229000&usg=AFQjCNGHd_sypTM4TfD8VBtwVrQoAVc3NA"> https://www.linkedin.com/company/lessonspace</a></p> <p><a href="https://www.linkedin.com/company/room-sh" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=https://www.linkedin.com/company/room-sh&source=gmail&ust=1605133775229000&usg=AFQjCNGpd6pgkfQ3Z7o4TdtQ-CYhL7Unpw"> https://www.linkedin.com/company/room-sh</a></p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>Matthew Henshall is a South African-based startup founder. He focuses on edtech, and is the CEO of Code4Kids, as well as Lessonspace and SkillUp. Learn more here:</itunes:subtitle>
      <itunes:summary>Matthew’s views on money and inequality were strongly affected by his experience growing up in post-apartheid South Africa. He talks about how his parents were able to overcome the challenging environment to instill a sense of strong financial values, and the twists and turns that his path in entrepreneurship has taken.</itunes:summary>
      <itunes:title>Beginning With the End in Mind</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>25:33</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 11 Nov 2020 04:00:00 -0500</pubDate>
    </item>
    <item>
      <title>The Story of A’govest: A Mexican Fintech Startup Built by Women, for Women</title>
      <description>&lt;p&gt; &lt;/p&gt; &lt;p&gt;Marisol Pérez-Chow and Fernanda Cuadra are the founders of &lt;a href="https://agovest.com/"&gt;A'govest&lt;/a&gt;, a platform aimed at reducing the gender wealth gap for women in Mexico. They met while pursuing their MBAs at the University of Chicago Booth School of Business.&lt;/p&gt; &lt;p&gt; &lt;/p&gt; &lt;p&gt; &lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135045-Agovest_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135045-Agovest_Reduced" type="audio/mpeg" length="10751616"/>
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      <content:encoded><![CDATA[<p> </p> <p>Marisol Pérez-Chow and Fernanda Cuadra are the founders of <a href="https://agovest.com/">A'govest</a>, a platform aimed at reducing the gender wealth gap for women in Mexico. They met while pursuing their MBAs at the University of Chicago Booth School of Business.</p> <p> </p> <p> </p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>  Marisol Pérez-Chow and Fernanda Cuadra are the founders of , a platform aimed at reducing the gender wealth gap for women in Mexico. They met while pursuing their MBAs at the University of Chicago Booth School of Business.    </itunes:subtitle>
      <itunes:summary>Marisol and Fernanda share their perspectives on the gender wealth gap in Mexico, what it's like being female entrepreneurs in Latin America, and how growing up in Mexico and Nicaragua shaped their perspectives on personal finance. </itunes:summary>
      <itunes:title>The Story of A’govest: A Mexican Fintech Startup Built by Women, for Women</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>21:52</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 04 Nov 2020 04:00:00 -0500</pubDate>
    </item>
    <item>
      <title>How Dealing With Loss Inspired One Influencer to Become a Financial Lioness</title>
      <description>&lt;p&gt;This episode features Angie E, aka the &lt;a href= "https://www.instagram.com/financiallioness/?hl=en"&gt;Financial Lioness.&lt;/a&gt; Her blog is &lt;a href="http://www.financiallioness.com/" target="_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=http://www.financiallioness.com&amp;source=gmail&amp;ust=1603894485340000&amp;usg=AFQjCNED8ggidGEfosK7sa0kejTteJHbng"&gt; www.financiallioness.com&lt;/a&gt; where you can also purchase her e-book &lt;span style="text-decoration: underline;"&gt;Investing for the Everyday Investor&lt;/span&gt;. &lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135045-Financial_Lionness_reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135045-Financial_Lionness_reduced" type="audio/mpeg" length="8827520"/>
      <guid isPermaLink="false">0f62de44-d4c0-450b-b464-18c8bcbca2a3</guid>
      <content:encoded><![CDATA[<p>This episode features Angie E, aka the <a href= "https://www.instagram.com/financiallioness/?hl=en">Financial Lioness.</a> Her blog is <a href="http://www.financiallioness.com/" target="_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=http://www.financiallioness.com&source=gmail&ust=1603894485340000&usg=AFQjCNED8ggidGEfosK7sa0kejTteJHbng"> www.financiallioness.com</a> where you can also purchase her e-book Investing for the Everyday Investor. </p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>This episode features Angie E, aka the  Her blog is  where you can also purchase her e-book Investing for the Everyday Investor. </itunes:subtitle>
      <itunes:summary>Angie E is the creator of hit IG page Financial Lioness. Angie's father died at a young age, and as a result, she had to grow up quickly. We talk about the lessons she learned while watching her mother rebuild her family, and how she's taking steps to ensure that she passes down generational wealth to her son.</itunes:summary>
      <itunes:title>How Dealing With Loss Inspired One Influencer to Become a Financial Lionness</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>17:51</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 28 Oct 2020 04:00:00 -0400</pubDate>
    </item>
    <item>
      <title>Thinking About Finance in a New Way</title>
      <description>&lt;p&gt;This episode features Amanda, who is the creator of the YouTube channel &lt;a href= "https://www.youtube.com/channel/UCYoyAypWwqF3spwTIx3E1iw"&gt;Let Us Think.&lt;/a&gt;&lt;/p&gt; &lt;p&gt;Her channel and IG page (&lt;a href= "https://www.instagram.com/wethinkfinance/?hl=en"&gt;@wethinkfinance&lt;/a&gt;) focus on complaining complex financial markets topics in simple terms.&lt;/p&gt; &lt;p&gt;We discuss how Amanda's earliest money memory working with a bull (no, really) shaped her identity as a saver, and why she thinks more women should invest in the market.&lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135045-Amanda_Let_Us_Think_Finance_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135045-Amanda_Let_Us_Think_Finance_Reduced" type="audio/mpeg" length="8744640"/>
      <guid isPermaLink="false">d88117be-0bc2-49db-9692-5d57e67e9cbd</guid>
      <content:encoded><![CDATA[<p>This episode features Amanda, who is the creator of the YouTube channel <a href= "https://www.youtube.com/channel/UCYoyAypWwqF3spwTIx3E1iw">Let Us Think.</a></p> <p>Her channel and IG page (<a href= "https://www.instagram.com/wethinkfinance/?hl=en">@wethinkfinance</a>) focus on complaining complex financial markets topics in simple terms.</p> <p>We discuss how Amanda's earliest money memory working with a bull (no, really) shaped her identity as a saver, and why she thinks more women should invest in the market.</p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>This episode features Amanda, who is the creator of the YouTube channel  Her channel and IG page () focus on complaining complex financial markets topics in simple terms. We discuss how Amanda's earliest money memory working with a bull (no, really)...</itunes:subtitle>
      <itunes:summary>Amanda is the creator of the Let Us Think YouTube video channel.

We discuss how Amanda's earliest money memory working with a bull (no, really) shaped her identity as a saver, and why she thinks more women should invest in the market.</itunes:summary>
      <itunes:title>Thinking About Finance in a New Way</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>17:41</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 21 Oct 2020 12:51:37 -0400</pubDate>
    </item>
    <item>
      <title>Confessions of a Money Life Coach</title>
      <description>&lt;p class="p1"&gt;Tawnya Schultz is a financial life coach based in Tahoe. She shares how her experience with paying off her own debt inspired her to give back to others and, and the advice she would give to 20-somethings on their financial planning journey. &lt;/p&gt; &lt;p class="p1"&gt;Connect with Tawnya, aka the Money Life Coach, here:&lt;/p&gt; &lt;div&gt;&lt;a href="http://themoneylifecoach.com/" target="_blank" rel= "noopener" data-saferedirecturl= "https://www.google.com/url?q=http://themoneylifecoach.com&amp;source=gmail&amp;ust=1602183107586000&amp;usg=AFQjCNEtnUxaDmHy1z2IlwwpiWKu2K8Aog"&gt; hemoneylifecoach.com&lt;/a&gt;&lt;/div&gt; &lt;div&gt;&lt;a href="http://themoneylifecoach.com/courses" target="_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=http://themoneylifecoach.com/courses&amp;source=gmail&amp;ust=1602183107586000&amp;usg=AFQjCNHSjwlj53CrXnDOOa3hz4d0e6NWZg"&gt; themoneylifecoach.com/courses&lt;/a&gt;&lt;/div&gt; &lt;div&gt;&lt;a href="http://themoneylifecoach.com/coaching" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=http://themoneylifecoach.com/coaching&amp;source=gmail&amp;ust=1602183107586000&amp;usg=AFQjCNEqp0-skvXU8QW4V8vv1LRHvSrrXQ"&gt; themoneylifecoach.com/coaching&lt;/a&gt;&lt;/div&gt; &lt;div&gt;&lt;a href="https://www.instagram.com/tawnyaschultz/" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=https://www.instagram.com/tawnyaschultz/&amp;source=gmail&amp;ust=1602183107586000&amp;usg=AFQjCNF5f9-VIsslF44ARd01I-rU2E521w"&gt; @tawnyaschultz&lt;/a&gt;&lt;/div&gt; &lt;div&gt;&lt;a href="http://facebook.com/themoneylifecoach1" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=http://facebook.com/themoneylifecoach1&amp;source=gmail&amp;ust=1602183107586000&amp;usg=AFQjCNGG67ScuiIfE2Uuuv1LogqLKhb7ow"&gt; facebook.com/&lt;wbr /&gt;themoneylifecoach1&lt;/a&gt;&lt;/div&gt; &lt;p class="p1"&gt; &lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135046-Tawnya_Schultz_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135046-Tawnya_Schultz_Reduced" type="audio/mpeg" length="7122432"/>
      <guid isPermaLink="false">961c863e-07f8-4b40-bc75-174d74099cd4</guid>
      <content:encoded><![CDATA[<p class="p1">Tawnya Schultz is a financial life coach based in Tahoe. She shares how her experience with paying off her own debt inspired her to give back to others and, and the advice she would give to 20-somethings on their financial planning journey. </p> <p class="p1">Connect with Tawnya, aka the Money Life Coach, here:</p> <a href="http://themoneylifecoach.com/" target="_blank" rel= "noopener" data-saferedirecturl= "https://www.google.com/url?q=http://themoneylifecoach.com&source=gmail&ust=1602183107586000&usg=AFQjCNEtnUxaDmHy1z2IlwwpiWKu2K8Aog"> hemoneylifecoach.com</a> <a href="http://themoneylifecoach.com/courses" target="_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=http://themoneylifecoach.com/courses&source=gmail&ust=1602183107586000&usg=AFQjCNHSjwlj53CrXnDOOa3hz4d0e6NWZg"> themoneylifecoach.com/courses</a> <a href="http://themoneylifecoach.com/coaching" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=http://themoneylifecoach.com/coaching&source=gmail&ust=1602183107586000&usg=AFQjCNEqp0-skvXU8QW4V8vv1LRHvSrrXQ"> themoneylifecoach.com/coaching</a> <a href="https://www.instagram.com/tawnyaschultz/" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=https://www.instagram.com/tawnyaschultz/&source=gmail&ust=1602183107586000&usg=AFQjCNF5f9-VIsslF44ARd01I-rU2E521w"> @tawnyaschultz</a> <a href="http://facebook.com/themoneylifecoach1" target= "_blank" rel="noopener" data-saferedirecturl= "https://www.google.com/url?q=http://facebook.com/themoneylifecoach1&source=gmail&ust=1602183107586000&usg=AFQjCNGG67ScuiIfE2Uuuv1LogqLKhb7ow"> facebook.com/themoneylifecoach1</a> <p class="p1"> </p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>Tawnya Schultz is a financial life coach based in Tahoe. She shares how her experience with paying off her own debt inspired her to give back to others and, and the advice she would give to 20-somethings on their financial planning journey. ...</itunes:subtitle>
      <itunes:summary>Tawnya Schultz is a financial life coach based in Tahoe. She shares how her experience with paying off her own debt inspired her to give back to others and, and the advice she would give to 20-somethings on their financial planning journey. 

Explore her course here: themoneylifecoach.com</itunes:summary>
      <itunes:title>Confessions of a Money Life Coach</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>14:18</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 07 Oct 2020 15:09:29 -0400</pubDate>
    </item>
    <item>
      <title>How One Creator Combined Illustration with Personal Finance to Create a Hit Page</title>
      <description>&lt;p&gt;We're talking to Nat, the creator of the IG page &lt;a href= "https://www.instagram.com/tipsaccepted/?hl=en"&gt;Tipsaccepted.&lt;/a&gt;&lt;/p&gt; &lt;p&gt;She combines hand-drawn illustrations with money topics to help followers improve their personal finances. Check out her website at www.tipsaccepted101.com&lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135046-Tips_Accepted_Reduced_Final.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135046-Tips_Accepted_Reduced_Final" type="audio/mpeg" length="7002944"/>
      <guid isPermaLink="false">1bdecfea-682a-4ca6-a3c9-0dcbcb065fa4</guid>
      <content:encoded><![CDATA[<p>We're talking to Nat, the creator of the IG page <a href= "https://www.instagram.com/tipsaccepted/?hl=en">Tipsaccepted.</a></p> <p>She combines hand-drawn illustrations with money topics to help followers improve their personal finances. Check out her website at www.tipsaccepted101.com</p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>We're talking to Nat, the creator of the IG page  She combines hand-drawn illustrations with money topics to help followers improve their personal finances. Check out her website at www.tipsaccepted101.com</itunes:subtitle>
      <itunes:summary>Nat shares how immigrating to the United States at a young age instilled in her the value of saving money, and how she combined her passion for illustration and finance to create her hit Instagram page, tipsaccepted.</itunes:summary>
      <itunes:title>How One Creator Combined Illustration with Personal Finance to Create a Hit Page</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>14:03</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 30 Sep 2020 10:08:30 -0400</pubDate>
    </item>
    <item>
      <title>Finding Entrepreneurial Success in Unexpected Places</title>
      <description><![CDATA[]]></description>
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      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:summary>We're featuring Liang Deng, the the Chief of Staff a Kansas City-based Backstitch. Backstitch is a fast rising tech startup that builds tools for organizations to better engage with their employees. 

We talk about Liang’s early experience selling custom gel pens inspired him to work in entrepreneurship, and why startup life isn’t always as glamorous as it seems.

Liang is a graduate of the Wharton School at the University of Pennsylvania.</itunes:summary>
      <itunes:title>Finding Entrepreneurial Success in Unexpected Places</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>12:21</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 16 Sep 2020 02:30:00 -0400</pubDate>
      <itunes:subtitle>
</itunes:subtitle>
    </item>
    <item>
      <title>Building Financial Solutions for the Common Good</title>
      <description>&lt;p&gt;Website:&lt;/p&gt; &lt;p&gt;https://buildcommonwealth.org/&lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135048-Catherine_Wright_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135048-Catherine_Wright_Reduced" type="audio/mpeg" length="11057408"/>
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      <content:encoded><![CDATA[<p>Website:</p> <p>https://buildcommonwealth.org/</p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>Website: https://buildcommonwealth.org/</itunes:subtitle>
      <itunes:summary>Catherine Wright is on a mission to help make people more financially secure.

She is passionate about developing innovative solutions to promote economic opportunities for underserved communities. We discuss how her earliest money money taught her the value of discipline, and why retirement and estate planning are crucial financial planning milestones.

Catherine is a graduate of Georgetown University and MIT Sloan, and serves as a Sr. Innovation Manager at Commonwealth. </itunes:summary>
      <itunes:title>Building Financial Solutions for the Common Good</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>22:30</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 09 Sep 2020 02:30:00 -0400</pubDate>
    </item>
    <item>
      <title>Engineering Your Way to Better Credit</title>
      <description><![CDATA[]]></description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135049-Torrence_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135049-Torrence_Reduced" type="audio/mpeg" length="8512256"/>
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      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:summary>Torrence Williams is a Louisville-based industrial engineer who has combined his project management background with  his passion for developing relationships, in order to better his community.

Learn how Torrence used student loans to his improve his credit score, and how he plans to build wealth by using government programs for minorities.</itunes:summary>
      <itunes:title>Engineering Your Way to Better Credit</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>17:12</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Sat, 29 Aug 2020 14:34:58 -0400</pubDate>
      <itunes:subtitle>
</itunes:subtitle>
    </item>
    <item>
      <title>The Secret to Student Loan Repayment: Discipline, Not Deprivation</title>
      <description>&lt;p&gt;Follow Maggie here:&lt;/p&gt; &lt;p&gt;&lt;a href= "https://www.forbes.com/sites/maggiemcgrath/#7967f6e05df7"&gt;Forbes&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href="https://twitter.com/mcgrathmag"&gt;Twitter&lt;/a&gt;&lt;/p&gt; &lt;p&gt; &lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135050-Maggie_Complete_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135050-Maggie_Complete_Reduced" type="audio/mpeg" length="9743936"/>
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      <content:encoded><![CDATA[<p>Follow Maggie here:</p> <p><a href= "https://www.forbes.com/sites/maggiemcgrath/#7967f6e05df7">Forbes</a></p> <p><a href="https://twitter.com/mcgrathmag">Twitter</a></p> <p> </p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>Follow Maggie here:    </itunes:subtitle>
      <itunes:summary>Maggie McGrath is an associate editor at Forbes and the editor of ForbesWomen, the Forbes vertical dedicated to covering all angles of female entrepreneurship and the most successful women in business. She has worked on nearly every list Forbes puts out.

We discuss how Maggie’s early experience with cash envelopes taught her financial discipline, and the most important thing she wishes she had known before taking out student loans while at Penn.
</itunes:summary>
      <itunes:title>The Secret to Student Loan Repayment: Discipline, Not Deprivation</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>19:46</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 26 Aug 2020 03:00:00 -0400</pubDate>
    </item>
    <item>
      <title>Learning How To Be Young, But Not Broke</title>
      <description>&lt;p&gt;&lt;strong&gt;Young, Not Broke&lt;/strong&gt;&lt;/p&gt; &lt;p&gt;&lt;a href="https://www.youngnotbroke.co/"&gt;Website&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href= "https://www.instagram.com/young_notbroke/?hl=en"&gt;IG&lt;/a&gt;&lt;/p&gt; &lt;p&gt; &lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135050-Kavya_Complete_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135050-Kavya_Complete_Reduced" type="audio/mpeg" length="8774336"/>
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      <content:encoded><![CDATA[<p>Young, Not Broke</p> <p><a href="https://www.youngnotbroke.co/">Website</a></p> <p><a href= "https://www.instagram.com/young_notbroke/?hl=en">IG</a></p> <p> </p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>Young, Not Broke    </itunes:subtitle>
      <itunes:summary>Kavya Ravikanti is a graduate of the University of Virginia, and one of the founders of Young, Not Broke, a personal finance community whose mission is to empower young people to manage their money through various content and events. Since launching the platform, she and her team have successfully expanded the platform to include a newsletter with thousands of subscribers.</itunes:summary>
      <itunes:title>Learning How To Be Young, But Not Broke</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>17:45</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Tue, 18 Aug 2020 20:57:31 -0400</pubDate>
    </item>
    <item>
      <title>Dragging Your Way Into Creative Self-Expression</title>
      <description>&lt;p&gt;&lt;strong&gt;Follow Karlie&lt;/strong&gt; &lt;strong&gt;Kant&lt;/strong&gt;&lt;/p&gt; &lt;p&gt;&lt;a href= "https://www.facebook.com/karlie.kant.77"&gt;Facebook&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href= "https://www.instagram.com/karliekant/"&gt;Instagram&lt;/a&gt;&lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135051-Karlie_Kant_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135051-Karlie_Kant_Reduced" type="audio/mpeg" length="9188160"/>
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      <content:encoded><![CDATA[<p>Follow Karlie Kant</p> <p><a href= "https://www.facebook.com/karlie.kant.77">Facebook</a></p> <p><a href= "https://www.instagram.com/karliekant/">Instagram</a></p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>Follow Karlie Kant</itunes:subtitle>
      <itunes:summary>Karlie Kant lives for the applause, applause, applause.

She is a Berlin-based drag queen with self-proclaimed "big visions...and an even bigger nose!"

We discuss how Karlie defines success - both monetarily and artistically- as well as the unique "startup risks" that drag performers face. 

Pray we catch you tuning in to this epic episode!</itunes:summary>
      <itunes:title>Dragging Your Way Into Creative Self-Expression</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>18:36</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 05 Aug 2020 01:42:21 -0400</pubDate>
    </item>
    <item>
      <title>Redefining Leadership and Success as a Female Entrepreneur</title>
      <description>&lt;p&gt;&lt;strong&gt;Learn About Las Comadres&lt;/strong&gt;&lt;/p&gt; &lt;p&gt;&lt;a href="https://www.lascomadres.club/"&gt;Website&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href= "https://www.instagram.com/lascomadres.club/?hl=en"&gt;Instagram&lt;/a&gt;&lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135052-Gaby_Guzman_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135052-Gaby_Guzman_Reduced" type="audio/mpeg" length="10394880"/>
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      <content:encoded><![CDATA[<p>Learn About Las Comadres</p> <p><a href="https://www.lascomadres.club/">Website</a></p> <p><a href= "https://www.instagram.com/lascomadres.club/?hl=en">Instagram</a></p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>Learn About Las Comadres</itunes:subtitle>
      <itunes:summary>You can call Gaby Guzman "La Madrina."

As co-founder of Las Comadres, she is committed to empowering women to be who they are, so that they can be free.

Gaby grew up in the Dominican Republic, and moved to the Miami as a teenager. 

She is the co-founder of Las Comadres - an inclusive, global community of self-identifying women with an entrepreneurial spirit, reclaiming sisterhood, and redefining women’s leadership.</itunes:summary>
      <itunes:title>Redefining Leadership and Success as a Female Entrepreneur</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>21:07</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 05 Aug 2020 01:14:16 -0400</pubDate>
    </item>
    <item>
      <title>Becoming BFFs with Your Personal Finances</title>
      <description>&lt;p&gt;&lt;a href="https://meandmypf.com/"&gt;Website&lt;/a&gt;&lt;/p&gt; &lt;p&gt; &lt;/p&gt; &lt;p&gt; &lt;/p&gt; &lt;p&gt; &lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135052-Angela_Lim_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135052-Angela_Lim_Reduced" type="audio/mpeg" length="7043904"/>
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      <content:encoded><![CDATA[<p><a href="https://meandmypf.com/">Website</a></p> <p> </p> <p> </p> <p> </p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>     </itunes:subtitle>
      <itunes:summary>Angela Lim is a blogger who wants you to make peace with your finances.

After graduating from UC Irvine with a bachelors degree in Business Administration, she spent the next several years working as a financial analyst for Amazon.

As a hobby, Angela helps people with their personal finance problems with her blog, Me and My PF. She has also been featured  as a guest speaker for UC Irvine's Financial Literacy Association and the Center for Investment &amp; Wealth Management.</itunes:summary>
      <itunes:title>Becoming BFFs with Your Personal Finances</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>14:08</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Fri, 31 Jul 2020 13:06:05 -0400</pubDate>
    </item>
    <item>
      <title>How Money and Culture Influenced a South African Startup's Mission</title>
      <description>&lt;p&gt;&lt;a href="https://www.lulaloop.co.za/"&gt;Lula Loop Website&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href="https://www.instagram.com/thelulaloop/?hl=en"&gt;Lula Loop Instagram&lt;/a&gt;&lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135053-Velani_Audio_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135053-Velani_Audio_Reduced" type="audio/mpeg" length="10156992"/>
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      <content:encoded><![CDATA[<p><a href="https://www.lulaloop.co.za/">Lula Loop Website</a></p> <p><a href="https://www.instagram.com/thelulaloop/?hl=en">Lula Loop Instagram</a></p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:summary>Velani Mboweni is the CEO and co-founder of Lula Loop, a South African corporate ride-sharing platform.

Velani holds a Bachelor of Commerce in Philosophy, Politics &amp; Economics from the University of Cape Town and PDBA from Wits Business School. After graduating from the University of Cape Town, Velani embarked on his adventures as a serial entrepreneur. We explore the twists and turns that he has faced as a startup founder, and how he has cultivated his personal vs. entrepreneurial financial ethos.</itunes:summary>
      <itunes:title>How Money and Culture Influenced a South African Startup's Mission</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg"/>
      <itunes:duration>20:37</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135041-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Thu, 30 Jul 2020 12:18:24 -0400</pubDate>
      <itunes:subtitle>Lula Loop Website Lula Loop Instagram</itunes:subtitle>
    </item>
    <item>
      <title>How a Former Air Force Pilot Navigated Her Way to Financial Success</title>
      <description>&lt;p&gt;&lt;span class="il"&gt;Emily&lt;/span&gt; Elmore is a former Air Force pilot and combat veteran with an extensive background in technology and growth management.&lt;/p&gt; &lt;p&gt;After being medically retired for losing functional use of her right arm, she became Head of Growth for Nav.it, a money management app that provides exceptional tools and community to transform our money mindset and build financial wellness.&lt;em&gt;&lt;br /&gt;&lt;/em&gt;&lt;/p&gt; &lt;p&gt;&lt;strong&gt;Nav.It&lt;/strong&gt;&lt;/p&gt; &lt;p&gt;Website: &lt;a href="https://navitmoney.com/" target="_blank" rel= "noopener" data-saferedirecturl= "https://www.google.com/url?q=https://navitmoney.com&amp;source=gmail&amp;ust=1596117064400000&amp;usg=AFQjCNGqdbK9npicxQspSemQKymlRGjXWw"&gt; https://navitmoney.com&lt;/a&gt;&lt;/p&gt; &lt;p&gt;App: &lt;a href= "https://apps.apple.com/us/app/nav-it/id1423695301"&gt;iOS&lt;/a&gt; or &lt;a href= "https://play.google.com/store/apps/details?id=com.navitios"&gt;Android&lt;/a&gt;&lt;/p&gt; &lt;p&gt; &lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135053-Emily_Elmore_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135053-Emily_Elmore_Reduced" type="audio/mpeg" length="10752256"/>
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      <content:encoded><![CDATA[<p>Emily Elmore is a former Air Force pilot and combat veteran with an extensive background in technology and growth management.</p> <p>After being medically retired for losing functional use of her right arm, she became Head of Growth for Nav.it, a money management app that provides exceptional tools and community to transform our money mindset and build financial wellness.<em></em></p> <p>Nav.It</p> <p>Website: <a href="https://navitmoney.com/" target="_blank" rel= "noopener" data-saferedirecturl= "https://www.google.com/url?q=https://navitmoney.com&source=gmail&ust=1596117064400000&usg=AFQjCNGqdbK9npicxQspSemQKymlRGjXWw"> https://navitmoney.com</a></p> <p>App: <a href= "https://apps.apple.com/us/app/nav-it/id1423695301">iOS</a> or <a href= "https://play.google.com/store/apps/details?id=com.navitios">Android</a></p> <p> </p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>Emily Elmore is a former Air Force pilot and combat veteran with an extensive background in technology and growth management. After being medically retired for losing functional use of her right arm, she became Head of Growth for Nav.it, a money...</itunes:subtitle>
      <itunes:summary>Emily Elmore is a former Air Force pilot and combat veteran with an extensive background in technology and growth management. G

After being medically retired for losing functional use of her right arm, she became Head of Growth for Nav.it, a money management app that provides exceptional tools and community to transform our money mindset and build financial wellness.</itunes:summary>
      <itunes:title>How a Former Air Force Pilot Navigated Her Way to Financial Success</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135046-cover_art_resized.jpg"/>
      <itunes:duration>22:14</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135046-cover_art_resized.jpg 900w"/>
      <pubDate>Wed, 29 Jul 2020 10:17:09 -0400</pubDate>
    </item>
    <item>
      <title>Counting All That Green</title>
      <description>&lt;p&gt;&lt;span style="font-weight: 400;"&gt;Max Nova counts green: professionally, and personally.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;Max is a graduate of Yale University and one of the founders of SilviaTerra.  Using satellite imagery and AI, he is building a marketplace that values every acre of forest for timber, carbon, wildlife habitat, and other types of natural capital.  Max also loves to read and will gladly accept any book recommendations except for paranormal romance.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;We talk about what lessons Max has learned from Mr. Money Moustache, and why he considers himself a risk-averse entrepreneur.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;strong&gt;Silvia Terra&lt;/strong&gt;&lt;/p&gt; &lt;p&gt;https://www.silviaterra.com/&lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135055-Max_Nova_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135055-Max_Nova_Reduced" type="audio/mpeg" length="12343680"/>
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      <content:encoded><![CDATA[<p>Max Nova counts green: professionally, and personally.</p> <p>Max is a graduate of Yale University and one of the founders of SilviaTerra.  Using satellite imagery and AI, he is building a marketplace that values every acre of forest for timber, carbon, wildlife habitat, and other types of natural capital.  Max also loves to read and will gladly accept any book recommendations except for paranormal romance.</p> <p>We talk about what lessons Max has learned from Mr. Money Moustache, and why he considers himself a risk-averse entrepreneur.</p> <p>Silvia Terra</p> <p>https://www.silviaterra.com/</p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>Max Nova counts green: professionally, and personally. Max is a graduate of Yale University and one of the founders of SilviaTerra.  Using satellite imagery and AI, he is building a marketplace that values every acre of forest for timber, carbon,...</itunes:subtitle>
      <itunes:summary>Max Nova counts green: professionally, and personally.

He is a graduate of Yale University and one of the founders of SilviaTerra.  Using satellite imagery and AI, he is building a marketplace that values every acre of forest for timber, carbon, wildlife habitat, and other types of natural capital.  

We talk about what lessons Max has learned from Mr. Money Moustache, and why he considers himself a risk-averse entrepreneur.</itunes:summary>
      <itunes:title>Counting All That Green</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135047-Mony_Memories_Logo.jpg"/>
      <itunes:duration>25:11</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135047-Mony_Memories_Logo.jpg 3000w"/>
      <pubDate>Wed, 22 Jul 2020 02:00:00 -0400</pubDate>
    </item>
    <item>
      <title>Demystifying the Unicorn</title>
      <description>&lt;p&gt;Entrepreneurship runs through Sbusiso "Bubu" Buna's veins.&lt;/p&gt; &lt;p&gt;Bubu grew up in South Africa, and hails from a long line of entrepreneurs. He is t&lt;span class="lt-line-clamp__raw-line"&gt;he CEO of Jobox, an EdTech startup that connects businesses with high-quality students. Jobox works together with higher education institutions to find the best candidates, improve graduate employability, and provide data-driven insights.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;We discuss how Bubu found his "why" from the lessons that his grandfather taught him.&lt;/p&gt; &lt;p&gt;&lt;strong&gt;Unicorn Podcast&lt;/strong&gt;&lt;/p&gt; &lt;p&gt;&lt;a href= "https://open.spotify.com/episode/75NQxLFqmxys1QL5cirmvW"&gt;Spotify&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href= "https://podcasts.apple.com/za/podcast/unicorn/id1519043000?i=1000485017058"&gt; Apple Podcasts&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href= "https://podcasts.apple.com/za/podcast/unicorn/id1519043000?i=1000485017058"&gt; Stitcher&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;strong&gt;Jobox&lt;/strong&gt;&lt;/p&gt; &lt;p&gt;&lt;a href= "https://duckduckgo.com/?q=jobox+south+africa&amp;t=ffab&amp;atb=v222-1&amp;ia=web"&gt; Website&lt;/a&gt;&lt;/p&gt; &lt;p&gt; &lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135054-Bubu_Buna_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135054-Bubu_Buna_Reduced" type="audio/mpeg" length="8934272"/>
      <guid isPermaLink="false">810d328a-089b-4116-bbd5-f10b6faa5f91</guid>
      <content:encoded><![CDATA[<p>Entrepreneurship runs through Sbusiso "Bubu" Buna's veins.</p> <p>Bubu grew up in South Africa, and hails from a long line of entrepreneurs. He is the CEO of Jobox, an EdTech startup that connects businesses with high-quality students. Jobox works together with higher education institutions to find the best candidates, improve graduate employability, and provide data-driven insights.</p> <p>We discuss how Bubu found his "why" from the lessons that his grandfather taught him.</p> <p>Unicorn Podcast</p> <p><a href= "https://open.spotify.com/episode/75NQxLFqmxys1QL5cirmvW">Spotify</a></p> <p><a href= "https://podcasts.apple.com/za/podcast/unicorn/id1519043000?i=1000485017058"> Apple Podcasts</a></p> <p><a href= "https://podcasts.apple.com/za/podcast/unicorn/id1519043000?i=1000485017058"> Stitcher</a></p> <p>Jobox</p> <p><a href= "https://duckduckgo.com/?q=jobox+south+africa&t=ffab&atb=v222-1&ia=web"> Website</a></p> <p> </p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>Entrepreneurship runs through Sbusiso "Bubu" Buna's veins. Bubu grew up in South Africa, and hails from a long line of entrepreneurs. He is the CEO of Jobox, an EdTech startup that connects businesses with high-quality students. Jobox works together...</itunes:subtitle>
      <itunes:summary>Entrepreneurship runs through Sbusiso "Bubu" Buna's veins.

Bubu grew up in South Africa, and hails from a long line of entrepreneurs. He is the CEO of Jobox, an EdTech startup that connects businesses with high-quality students. Jobox works together with higher education institutions to find the best candidates, improve graduate employability, and provide data-driven insights.

We discuss how Bubu found his "why" from the lessons that his grandfather taught him.</itunes:summary>
      <itunes:title>Demystifying the Unicorn</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135047-cover_art_resized.jpg"/>
      <itunes:duration>18:26</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135047-cover_art_resized.jpg 900w"/>
      <pubDate>Wed, 22 Jul 2020 02:00:00 -0400</pubDate>
    </item>
    <item>
      <title>How Paying Off Debt Taught this YouTuber a New Meaning for Success and Happiness</title>
      <description>&lt;p&gt;&lt;span style="font-weight: 400;"&gt;Warren Gosling has learned that money is the key to unlocking more freedom and time.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;Warren graduated with a degree in Economics from the University of Manchester. He entered the banking industry on Barclays' graduate scheme where he spent 4 years, before moving to PricewaterhouseCoopers' risk management consulting practice. There, his project engagements included a number of high-profile finance firms, including Lehman Brothers, Citibank, RBS, UBS. He is now an independent contractor.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;Outside of work, Warren has a strong dedication to providing financial literacy and setting people up on their journey towards financial freedom- especially communities of color. &lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;We talk about how Warren’s Caribbean roots have shaped his mission to give back and the moment he realized that money does not necessarily make you happy while working in a high-paying, fast-paced industry.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;strong&gt;Warren Gosling&lt;/strong&gt;&lt;/p&gt; &lt;p&gt;&lt;a href= "https://www.youtube.com/channel/UCL4W5f6_gkIX4pAnh_Jp9_Q"&gt;&lt;span style="font-weight: 400;"&gt; https://www.youtube.com/channel/UCL4W5f6_gkIX4pAnh_Jp9_Q&lt;/span&gt;&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;span style= "font-weight: 400;"&gt;https://www.instagram.com/warrengosling/&lt;/span&gt;&lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135055-Warren_Gosling_Reduced_v2.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135055-Warren_Gosling_Reduced_v2" type="audio/mpeg" length="8717824"/>
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      <content:encoded><![CDATA[<p>Warren Gosling has learned that money is the key to unlocking more freedom and time.</p> <p>Warren graduated with a degree in Economics from the University of Manchester. He entered the banking industry on Barclays' graduate scheme where he spent 4 years, before moving to PricewaterhouseCoopers' risk management consulting practice. There, his project engagements included a number of high-profile finance firms, including Lehman Brothers, Citibank, RBS, UBS. He is now an independent contractor.</p> <p>Outside of work, Warren has a strong dedication to providing financial literacy and setting people up on their journey towards financial freedom- especially communities of color. </p> <p>We talk about how Warren’s Caribbean roots have shaped his mission to give back and the moment he realized that money does not necessarily make you happy while working in a high-paying, fast-paced industry.</p> <p>Warren Gosling</p> <p><a href= "https://www.youtube.com/channel/UCL4W5f6_gkIX4pAnh_Jp9_Q"> https://www.youtube.com/channel/UCL4W5f6_gkIX4pAnh_Jp9_Q</a></p> <p>https://www.instagram.com/warrengosling/</p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>An Interview with Personal Finance YouTuber Warren Gosling</itunes:subtitle>
      <itunes:summary>Warren Gosling has learned that money is the key to unlocking more freedom and time.

Warren graduated with a degree in Economics from the University of Manchester, and has spent his entire career in the banking industry. We talk about how Warren’s Caribbean roots have shaped his mission to give back, and the moment he realized that money does not necessarily make you happy while working in a high-paying, fast-paced industry.</itunes:summary>
      <itunes:title>How Paying Off Debt Taught this YouTuber a New Meaning for Success and Happiness</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>16:47</itunes:duration>
      <pubDate>Wed, 22 Jul 2020 02:00:00 -0400</pubDate>
    </item>
    <item>
      <title>Dancing Your Way Into Entrepreneurship</title>
      <description>&lt;p&gt;&lt;span style="font-weight: 400;"&gt;Music and dance have always played an important role in Armand Mignot’s life.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;After graduating from MIT, Armand began his career in finance. He spent years at JP Morgan and BV Investment Partners, where he advised and invested in mid-to-large cap companies in the tech space. From there, he went to Harvard Business School where he co-founded a fintech startup called Finfox that helped small businesses automate their finance processes. &lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;Meanwhile, he was also a semi-professional salsa dancer, having the opportunity to perform at events like the Boston Celtics NBA half-time shows. He merged his love for both dance and entrepreneurship with his most recent startup. Armand is currently the founder of RenRico, a startup with a mobile app whose mission is to uplift underrepresented talent in the dance industry and social media space more broadly.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;Join us as we discuss how Armand was inspired by his Chinese-Jamaican mother to pursue entrepreneurship, and how along the way, he’s managed to create wealth for others.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;strong&gt;RenRico&lt;/strong&gt;&lt;/p&gt; &lt;p&gt;&lt;a href="https://www.renrico.com/"&gt;&lt;span style= "font-weight: 400;"&gt;https://www.renrico.com/&lt;/span&gt;&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;Instagram:&lt;/span&gt; &lt;a href= "https://www.instagram.com/renricoyt/"&gt;&lt;span style= "font-weight: 400;"&gt;https://www.instagram.com/renricoyt/&lt;/span&gt;&lt;/a&gt;&lt;span style="font-weight: 400;"&gt;,&lt;/span&gt; &lt;a href="https://www.instagram.com/hirenrico/"&gt;&lt;span style= "font-weight: 400;"&gt;https://www.instagram.com/hirenrico/&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135055-Money_Memories_Armand_Mignot_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135055-Money_Memories_Armand_Mignot_Reduced" type="audio/mpeg" length="13567872"/>
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      <content:encoded><![CDATA[<p>Music and dance have always played an important role in Armand Mignot’s life.</p> <p>After graduating from MIT, Armand began his career in finance. He spent years at JP Morgan and BV Investment Partners, where he advised and invested in mid-to-large cap companies in the tech space. From there, he went to Harvard Business School where he co-founded a fintech startup called Finfox that helped small businesses automate their finance processes. </p> <p>Meanwhile, he was also a semi-professional salsa dancer, having the opportunity to perform at events like the Boston Celtics NBA half-time shows. He merged his love for both dance and entrepreneurship with his most recent startup. Armand is currently the founder of RenRico, a startup with a mobile app whose mission is to uplift underrepresented talent in the dance industry and social media space more broadly.</p> <p>Join us as we discuss how Armand was inspired by his Chinese-Jamaican mother to pursue entrepreneurship, and how along the way, he’s managed to create wealth for others.</p> <p>RenRico</p> <p><a href="https://www.renrico.com/">https://www.renrico.com/</a></p> <p>Instagram: <a href= "https://www.instagram.com/renricoyt/">https://www.instagram.com/renricoyt/</a>, <a href="https://www.instagram.com/hirenrico/">https://www.instagram.com/hirenrico/</a></p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>A Conversation with RenRico Founder Armand Mignot</itunes:subtitle>
      <itunes:summary>After graduating from MIT, Armand began his career in finance. He went to Harvard Business School where he co-founded a fintech startup called Finfox. He was also a semi-professional salsa dancer, having the opportunity to perform at events like the Boston Celtics NBA half-time shows. He merged his love for both dance and entrepreneurship with his most recent startup, RenRico. Its mission is to uplift underrepresented talent in the dance industry and social media space more broadly.</itunes:summary>
      <itunes:title>Dancing Your Way Into Entrepreneurship</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:image href="https://lpm-rss.streamguys1.com/moneymemories/20201217135048-cover_art_resized.jpg"/>
      <itunes:duration>27:43</itunes:duration>
      <podcast:images srcset="https://lpm-rss.streamguys1.com/moneymemories/20201217135048-cover_art_resized.jpg 900w"/>
      <pubDate>Wed, 15 Jul 2020 04:00:00 -0400</pubDate>
    </item>
    <item>
      <title>Measuring Success By More Than Money</title>
      <description>&lt;p&gt;&lt;span style="font-weight: 400;"&gt;Linda Cheung knew early that she didn’t want to be ruled by money.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;Linda is a climate artist and activist based in Miami, Florida. She founded Before It's Too Late (BITL) to bring together artists, innovators, students and community to build a more sustainable society and restore our natural world. Prior to BITL, Linda held 9 years of professional experience in the marketing, finance and renewable energy industries. Linda has also worked on international social impact projects in Guatemala, Kenya and India, and she grew up helping her entrepreneurial family launch restaurants and other small businesses.&lt;/span&gt;&lt;/p&gt; &lt;p&gt; &lt;/p&gt; &lt;p&gt;&lt;strong&gt;Before It's Too&lt;/strong&gt; &lt;strong&gt;Late&lt;/strong&gt;&lt;/p&gt; &lt;p&gt;&lt;a href="http://www.beforeitstoolate.earth/"&gt;Website&lt;/a&gt;&lt;/p&gt; &lt;p&gt;&lt;a href= "https://www.instagram.com/bitl.earth/"&gt;Instagram&lt;/a&gt;&lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135056-Linda_Cheung_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135056-Linda_Cheung_Reduced" type="audio/mpeg" length="9532992"/>
      <guid isPermaLink="false">171fb376-9c4d-48f7-9631-1165e0365927</guid>
      <content:encoded><![CDATA[<p>Linda Cheung knew early that she didn’t want to be ruled by money.</p> <p>Linda is a climate artist and activist based in Miami, Florida. She founded Before It's Too Late (BITL) to bring together artists, innovators, students and community to build a more sustainable society and restore our natural world. Prior to BITL, Linda held 9 years of professional experience in the marketing, finance and renewable energy industries. Linda has also worked on international social impact projects in Guatemala, Kenya and India, and she grew up helping her entrepreneurial family launch restaurants and other small businesses.</p> <p> </p> <p>Before It's Too Late</p> <p><a href="http://www.beforeitstoolate.earth/">Website</a></p> <p><a href= "https://www.instagram.com/bitl.earth/">Instagram</a></p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>Linda Cheung knew early that she didn’t want to be ruled by money. Linda is a climate artist and activist based in Miami, Florida. She founded Before It's Too Late (BITL) to bring together artists, innovators, students and community to build a more...</itunes:subtitle>
      <itunes:summary>Linda Cheung knew she didn’t want to be ruled by money.

Linda is a climate artist and activist based in Miami, Florida. She founded Before It's Too Late (BITL) to bring together artists, innovators, students and community to build a more sustainable society and restore our natural world. Prior to BITL, Linda held 9 years of professional experience in the marketing, finance and renewable energy industries.She grew up helping her entrepreneurial family launch restaurants and other small businesses.</itunes:summary>
      <itunes:title>Measuring Success By More Than Money</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>19:41</itunes:duration>
      <pubDate>Wed, 15 Jul 2020 02:00:00 -0400</pubDate>
    </item>
    <item>
      <title>Punching Your Way to a Successful Side Hustle</title>
      <description>&lt;p&gt;&lt;span style="font-weight: 400;"&gt;Caroline is an artist whose journey is as colorful as the fabric on her custom punch needle creations.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;After graduating from the Savannah College of Art and Design with a B.F.A in Fibers, Caroline moved out to San Francisco, where she now works as an Assistant Art Director for Gap Online.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;Alongside her professional career, Caroline runs a small but growing handmade textile and homegoods business called Punch Color Studio.&lt;/span&gt; &lt;span style= "font-weight: 400;"&gt;In the last year, the business has grown to include in-person and virtual workshops&lt;/span&gt; &lt;span style= "font-weight: 400;"&gt;where Caroline instructs students in learning a modern take on the traditional craft of punch needle. She hopes to continue to inspire creativity in the years to come and looks forward to further evolving her business. &lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt; &lt;/span&gt;&lt;span style= "font-weight: 400;"&gt;Join us, and learn how Caroline used the lessons she learned by saving for a Barbie Dream house as a little girl to help grow a successful creative side hustle!&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt; &lt;/span&gt;&lt;strong&gt;Punch Color Studio&lt;/strong&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="color: #000000;"&gt;&lt;a style="color: #000000;" href= "https://www.punchcolorstudio.com/"&gt;&lt;span style= "font-weight: 400;"&gt;https://www.punchcolorstudio.com/&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="color: #000000;"&gt;&lt;a style="color: #000000;" href= "https://www.instagram.com/punchcolorstudio/"&gt;&lt;span style= "font-weight: 400;"&gt;https://www.instagram.com/punchcolorstudio/&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;</description>
      <enclosure url="https://dts.podtrac.com/redirect.mp3/lpm-od.streamguys1.com/moneymemories/20201217135057-Money_Memories_Caroline_Powell_Reduced.mp3?awCollectionId=money-memories&amp;awGenre=Society+and+Culture&amp;awEpisodeId=20201217135057-Money_Memories_Caroline_Powell_Reduced" type="audio/mpeg" length="12179584"/>
      <guid isPermaLink="false">c34789e3-348d-46a8-b4b7-90b39cf381e7</guid>
      <content:encoded><![CDATA[<p>Caroline is an artist whose journey is as colorful as the fabric on her custom punch needle creations.</p> <p>After graduating from the Savannah College of Art and Design with a B.F.A in Fibers, Caroline moved out to San Francisco, where she now works as an Assistant Art Director for Gap Online.</p> <p>Alongside her professional career, Caroline runs a small but growing handmade textile and homegoods business called Punch Color Studio. In the last year, the business has grown to include in-person and virtual workshops where Caroline instructs students in learning a modern take on the traditional craft of punch needle. She hopes to continue to inspire creativity in the years to come and looks forward to further evolving her business. </p> <p> Join us, and learn how Caroline used the lessons she learned by saving for a Barbie Dream house as a little girl to help grow a successful creative side hustle!</p> <p> Punch Color Studio</p> <p><a style="color: #000000;" href= "https://www.punchcolorstudio.com/">https://www.punchcolorstudio.com/</a></p> <p><a style="color: #000000;" href= "https://www.instagram.com/punchcolorstudio/">https://www.instagram.com/punchcolorstudio/</a></p>]]></content:encoded>
      <itunes:author>Bear and the Bull</itunes:author>
      <itunes:subtitle>Caroline is an artist whose journey is as colorful as the fabric on her custom punch needle creations. After graduating from the Savannah College of Art and Design with a B.F.A in Fibers, Caroline moved out to San Francisco, where she now works as an...</itunes:subtitle>
      <itunes:summary>Caroline is an artist whose journey is as colorful as the fabric on her custom punch needle creations.

Alongside her professional career, Caroline runs a small but growing handmade textile and homegoods business called Punch Color Studio. In the last year, the business has grown to include in-person and virtual workshops where Caroline instructs students in learning a modern take on the traditional craft of punch needle. </itunes:summary>
      <itunes:title>Punching Your Way to a Successful Side Hustle </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>24:50</itunes:duration>
      <pubDate>Tue, 14 Jul 2020 18:32:47 -0400</pubDate>
    </item>
    <item>
      <title>Welcome to Money Memories</title>
      <description>&lt;p&gt;&lt;span style="font-weight: 400;"&gt;Welcome to Money Memories! The podcast designed to make money conversations less taboo - one money memory  at a time. &lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;I’m your host, Ilona, and each week, I interview a different set of guests about their earliest or most impactful experiences with money, and how it’s affected their personal development.&lt;br /&gt;&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span style="font-weight: 400;"&gt;What's Your Money Memory?&lt;/span&gt;&lt;/p&gt;</description>
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      <content:encoded><![CDATA[<p>Welcome to Money Memories! The podcast designed to make money conversations less taboo - one money memory  at a time. </p> <p>I’m your host, Ilona, and each week, I interview a different set of guests about their earliest or most impactful experiences with money, and how it’s affected their personal development.</p> <p>What's Your Money Memory?</p>]]></content:encoded>
      <itunes:subtitle>Welcome to Money Memories! The podcast designed to make money conversations less taboo - one money memory  at a time.  I’m your host, Ilona, and each week, I interview a different set of guests about their earliest or most impactful...</itunes:subtitle>
      <itunes:summary>Welcome to Money Memories! The podcast designed to make money conversations less taboo - one money memory  at a time. 

I’m your host, Ilona, and each week, I interview a different set of guests about their earliest or most impactful experiences with money, and how it’s affected their personal development.</itunes:summary>
      <itunes:title>Money Memories Trailer</itunes:title>
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      <itunes:explicit>no</itunes:explicit>
      <itunes:duration>35</itunes:duration>
      <pubDate>Wed, 08 Jul 2020 23:53:25 -0400</pubDate>
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