Everyone’s throwing around the word recession—but what does it actually mean? And how do we know if we’re in one… or headed for one? In this episode, we break down the real indicators economists look at (like GDP and unemployment), the not-so-obvious ones (consumer confidence, anyone?), and why vibes sometimes do matter. If you're confused by all the mixed messages about the economy right now, this episode will help you make sense of it all—without the jargon. Reach out to Kelly Turner at kturner@totalmortgage.com (mailto:kturner@totalmortgage.com) and Derek Mazzarella at dmazzarella@mygfpartner.com (mailto:dmazzarella@mygfpartner.com) Hosted by Ausha. See ausha.co/privacy-policy for more information.

Social media makes it easier than ever to find the latest trends—but is it also draining your wallet? In this episode of Millennial Money Matters, we dive into the impact of social media on millennial spending habits. From viral “must-have” products to the pressure of keeping up with influencer lifestyles, we break down how platforms like TikTok and Instagram shape financial decisions. Are these trends helping or hurting your financial goals? We explore ways to stay savvy, resist impulse purchases, and take control of your spending in the age of influencers. Reach out to Kelly Turner at kturner@totalmortgage.com (mailto:kturner@totalmortgage.com) and Derek Mazzarella at dmazzarella@mygfpartner.com (mailto:dmazzarella@mygfpartner.com) Hosted by Ausha. See ausha.co/privacy-policy for more information.

Buying a home can feel overwhelming—especially for millennials navigating the process for the first time. In this episode of Millennial Money Matters, we break down the steps to homeownership with our very first guest, Jonathan Archer, a millennial realtor with William Raveis Real Estate. From getting pre-approved to making an offer (and avoiding common mistakes), Jonathan shares his insider knowledge on what buyers need to know. Whether you're dreaming of your first home or just curious about the process, this episode will help you feel confident and ready to take the plunge. To contact Jonathan Archer- Jonathan Archer, REALTOR  m860.713.9000 The Margaret Wilcox Team  William Raveis Real Estate Licensed in the State of CT Reach out to Kelly Turner at kturner@totalmortgage.com (mailto:kturner@totalmortgage.com) and Derek Mazzarella at dmazzarella@mygfpartner.com (mailto:dmazzarella@mygfpartner.com) Hosted by Ausha. See ausha.co/privacy-policy for more information.

So, you’ve decided to buy a house—congrats! Now comes the fun part: figuring out which mortgage won’t completely wreck your financial future. From FHA vs. conventional to VA and USDA loans, we’re breaking down your options in a way that won’t make your head explode. Whether you're a first-time buyer wondering why there are so many acronyms or just trying to flex that Big Mortgage Energy, we’ve got you. Let’s talk loans, bust some myths, and make sure you don’t accidentally sign up for a financial disaster. Reach out to Kelly Turner at kturner@totalmortgage.com (mailto:kturner@totalmortgage.com) and Derek Mazzarella at dmazzarella@mygfpartner.com (mailto:dmazzarella@mygfpartner.com) Hosted by Ausha. See ausha.co/privacy-policy for more information.

Move over oxblood and skinny jeans—2025 is bringing in a whole new batch of trends. We’re kicking things off with a deep dive into what’s hot this year, from the return of questionable fashion choices to why everyone suddenly needs a "friendcation." But the real glow-up? Your money. This year, financial trends are getting a high-tech upgrade. We’re talking AI-powered everything, thematic investing (because apparently, our stocks need a niche now), and the latest money moves that could make—or break—your wallet. Will AI finally fix our finances, or is it just another way to justify buying more stuff online? Let’s get into it. Reach out to Kelly Turner at kturner@totalmortgage.com (mailto:kturner@totalmortgage.com) and Derek Mazzarella at dmazzarella@mygfpartner.com (mailto:dmazzarella@mygfpartner.com) Hosted by Ausha. See ausha.co/privacy-policy for more information.

In this episode of Millennial Money Matters, Kelly and Derek explore the challenges and rewards of merging finances with a partner. They discuss whether to combine bank accounts, how to handle debt as a team, and ways to set joint financial goals without sacrificing independence. With practical tips and real-life insights, Kelly and Derek help couples navigate the tricky terrain of love and money. If you’re preparing to share your life—and your wallet—with someone, this episode is a must-listen! Reach out to Kelly Turner at kturner@totalmortgage.com (mailto:kturner@totalmortgage.com) and Derek Mazzarella at dmazzarella@mygfpartner.com (mailto:dmazzarella@mygfpartner.com) Hosted by Ausha. See ausha.co/privacy-policy for more information.

In this episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella tackle the topic that excites and terrifies millennials: investing. From decoding stocks and bonds to understanding dividends and navigating the world of mutual funds, they break down the basics with humor and relatable analogies (yes, Monopoly is mentioned). Whether you're a seasoned investor or still figuring out how to spell "ETF," this episode will leave you smarter, entertained, and maybe even ready to dive into your first investment. Reach out to Kelly Turner at kturner@totalmortgage.com (mailto:kturner@totalmortgage.com) and Derek Mazzarella at dmazzarella@mygfpartner.com (mailto:dmazzarella@mygfpartner.com) Hosted by Ausha. See ausha.co/privacy-policy for more information.

In this episode of Millennial Money Matters, hosts Kelly and Derek take a deep dive into the millennial experience with student loans. They discuss how student debt has shaped an entire generation’s financial choices and explore practical strategies for managing it. From understanding repayment plans and forgiveness programs to sharing tips for tackling debt while still enjoying life, this episode is all about finding a balance. If you take one thing away from this episode, let it be this: you can’t put a price on knowledge, but apparently, someone did, and it’s called student loans. Tune in for a candid, informative conversation about one of millennials’ biggest challenges. Reach out to Kelly Turner at kturner@totalmortgage.com (mailto:kturner@totalmortgage.com) and Derek Mazzarella at dmazzarella@mygfpartner.com (mailto:dmazzarella@mygfpartner.com) Hosted by Ausha. See ausha.co/privacy-policy for more information.

In this episode of Millennial Money Matters, Kelly and Derek dive into the wild world of meme stocks, where internet culture meets Wall Street. From GameStop to AMC, they explore how these stocks became viral sensations and what it means for millennial investors. Is it a revolution in the making, or just a risky game? Join Kelly and Derek as they unpack the hype, discuss the potential rewards and pitfalls, and share tips on navigating the meme stock craze responsibly. Whether you’re already in the game or just curious, this episode will give you the lowdown on this unique trend. Reach out to Kelly Turner at kturner@totalmortgage.com (mailto:kturner@totalmortgage.com) and Derek Mazzarella at dmazzarella@mygfpartner.com (mailto:dmazzarella@mygfpartner.com) Hosted by Ausha. See ausha.co/privacy-policy for more information.

Strap in, millennials—mortgage rates are constantly changing and full of drama! This week, Kelly and Derek break down everything you need to know about interest rates and how they’re actually calculated. They’ll spill the tea on why rates aren’t a one-size-fits-all, why everyone’s “special rate” varies, and how you can prep to lock in the best deal. Whether you’re a first-time buyer or just looking to up your mortgage game, get ready for an episode full of tips, laughs, and a whole lot of financial enlightenment! Reach out to Kelly Turner at kturner@totalmortgage.com (mailto:kturner@totalmortgage.com) and Derek Mazzarella at dmazzarella@mygfpartner.com (mailto:dmazzarella@mygfpartner.com) Hosted by Ausha. See ausha.co/privacy-policy for more information.