Welcome back to Don’t Retire… Graduate! Today’s guest is the inspirational Laura Cathcart Robbins, host of The Only One in the Room podcast and author of the upcoming memoir Stash: My Life in Hiding. 
Laura opens up about her struggle with addiction—a story she’ll share in depth in her book—and her journey out of hiding and into a career as a podcast host and writer. She is truly a remarkable person with a great message of recovery, resilience, and grace that we all could benefit from.

In this episode we’ll talk about:
•Eric’s appearance on The Only One in the Room and how he’s calling out the male-dominated industry 
•Laura’s story as growing a career in writing and public relations as a high school drop out
•Her experience living with a pill and alcohol addiction, checking into rehab, and going through a divorce within the public eye
•How being the only black woman in a room of 600 people led to her launching her podcast, The Only One in the Room
•The process of writing her memoir 
•Being vocal when you find yourself in a room lacking diversity

Continue the conversation with Eric's appearance on The Only One in the Room: https://brotmanmedia.com/the-only-one-in-the-room/ 

Visit dontretiregraduate.com for a full transcript of this episode.

About Laura Cathcart Robbins:
Laura Cathcart Robbins is the host of the popular podcast, The Only One In The Room, and author of the forthcoming Atria/Simon & Schuster memoir, STASH (March 7, 2023). She has been active for many years as a speaker and school trustee and is credited for creating The Buckley School’s nationally recognized committee on Diversity, Equity, Inclusion, and Justice. Her recent articles in Huffpo and The Temper on the subjects of race, recovery, and divorce have garnered her worldwide acclaim. She is a 2022 TEDx Speaker, and LA Moth StorySlam winner. Currently, she sits on the advisory boards of the San Diego Writer’s Festival and the Outliers HQ podcast Festival. Find out more about her on her website, or you can look for her on Facebook, on Instagram and follow her on Twitter.

Laura Cathcart Robbins (@lauracathcartrobbins)
https://theonlyonepod.com/ 
https://www.youtube.com/@TheOnlyOneintheRoomPodcast
https://www.instagram.com/theonlyoneintheroom/
https://www.facebook.com/groups/TheOnlyOneInTheRoomPodcast
https://twitter.com/TheOnlyOnePodc1
https://www.huffpost.com/author/laura-cathcart-robbins
http://www.lauracathcartrobbins.com/ 
https://www.tiktok.com/@theonlyoneintheroom
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Coming Out Of Hiding: A Story Of Recovery And Resilience With Laura Cathcart Robbins

In today’s Office Hours, Eric answers Logan's question: “will the stock market recover in 2023?”
There's no way to know this for sure, but Eric shares his take on how this time is different, how the stock market may behave in the coming year based on history, and what you may want to start doing now.
Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
Visit dontretiregraduate.com for a full transcript of this episode.
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Office Hours: Will the Stock Market Recover in 2023?

Welcome back to Don’t Retire… Graduate! and our first episode of 2023. Today’s guest is going to lead you through an interesting exercise to get you thinking about your personal money story.
Shaun Maslyk, the host of the Most Hated F Word podcast, helps people identify their money stories and use them to improve their own financial behaviors. Grab a piece of paper and a pen and join us in this powerful journey of self-discovery. 

In this episode we’ll talk about:
•	Identifying our money stories and the life-long discovery journey it can be
•	The difference between work-life balance and work-life integration 
•	A guided exercise in identifying our money stories and money traumas  
•	A look into Eric’s money story and understanding the moral to his story
•	How our money stories from childhood can impact us in the future 
•	How people become intoxicated by money rather than being aware of our decisions  
	
Visit dontretiregraduate.com for a full transcript of this episode.

About Shaun Maslyk:
As a trained and practicing Certified Financial Planner® and Certified Financial Behavior Specialist® Shaun integrates psychology, positive psychology, and coaching psychology theories to awaken our money stories and flourish beyond our finances. Shaun is currently studying and researching the relationship between money, behavioural change, psychology and human flourishing at the University of East London.
Shaun is the host of The Most Hated F-Word podcast where he interviews practitioners, academics, artists and creators on what it means to have a happy, healthy and thriving relationship with money.
www.themosthatedfword.com
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The Most Hated F Word: Integrating Finance and Happiness with Shaun Maslyk

In today’s Office Hours, Eric answers Collin's question: "what is a good financial New Year's resolution?"
Setting New Year's resolutions isn't always successful, but there are some easy actions you can take to improve your finances this year.
 Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
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Office Hours: Financial New Years Resolutions for 2023

Welcome back to Don’t Retire… Graduate! Today’s guest is a stay-at-home dad and author of the book Your Kids, Their Money, Clifton Corbin.
Clifton met our team at FinCon22 and was instantly a kindred spirit, so he’s here to talk about ways to teach your kids about money, how we can change the mindset around financial independence, and finding financial resources that resonate with you.
Listen to his conversation with Eric and start having money conversations in your own home.

In this episode we’ll talk about:
•	What it means to be retired
•	Clifton’s childhood as a money nerd
•	Giving a child an allowance vs. teaching a child to budget 
•	Making money lessons relevant and age appropriate for children 
•	Changing the mindset about financial independence
•	Filtering information and understanding which resources have value 
•	The cost of education and whether or not college is worth the expense 
•	The community within FinCon’s annual conference

About Clifton Corbin:
Clifton D. Corbin, MBA, PMP, was a business consultant with over two decades of experience when he left the office to become a full-time stay-at-home dad. During this time, he authored his first book, Your Kids, Their Money, focused on providing parents with the skills and tools to teach financial literacy to their children. 

Resources
Brotman Media Website: https://www.brotmanmedia.com/
LinkedIn: https://www.linkedin.com/in/cdcorbin/ 
Instagram: https://www.instagram.com/cdcorbin_/ 
Twitter: https://twitter.com/cdcorbin 
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Your Kids, Their Money: Sparking Financial Conversations and Teaching Finance with Clifton Corbin

In today’s Office Hours, Eric answers Janet's question: “Is there anything different that women should be doing differently than men when it comes to financial planning?"
With women living longer and often outliving a spouse, there can be a few aspects of a plan that affect women greater than men.
Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
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Office Hours: How Financial Planning Differs for Women

Welcome back to Don’t Retire… Graduate! Today’s episode is free therapy as we’re joined by Dr. Doreen Downing, an expert on public speaking anxiety and finding your voice. 
Dr. Downing is a psychologist and confidence coach who specializes in the treatment of public speaking anxiety. She is the host of the Find Your Voice, Change Your Life podcast and teaches her 7-step process for transforming anxiety through presence and connection.
Listen to her conversation with Eric and follow her steps to find your own voice. 

In this episode we’ll talk about:
•	Public speaking anxiety and where it comes from
•	How to overcome the fear of public speaking
•	Getting comfortable talking about things you’re uncomfortable talking about 
•	Setting realistic goals and visions for your future
•	Focusing on being rather than doing
•	Facing fears, financially or in life
	
Visit dontretiregraduate.com for a full transcript of this episode.

About Dr. Doreen Downing:
Dr. Doreen Downing is a Psychologist and Confidence Coach who specializes in the treatment of public speaking anxiety. She also hosts the Find Your Voice, Change Your Life Podcast. 
Doreen once suffered from extreme stage fright. In conquering it, she discovered being connected to your authentic self is the key to relaxed and confident speaking. 
In addition to coaching and online courses, she is author of Essential Speaking: The 7-Step Guide to Finding Your Real Voice, a book that teaches you how to transform your anxiety with presence and connection.  
Website: https://www.essentialspeaking.com 
Course website: https://essential-speaking.thinkific.com 
LinkedIn: https://www.linkedin.com/in/drdoreenh/ 
Facebook Profile: https://www.facebook.com/drdoreendowning/ 
Facebook Business Page: https://www.facebook.com/EssentialSpeaking 
Facebook Book Page: https://www.facebook.com/essentialspeakingbook 
Instagram: https://www.instagram.com/essentialspeaking/ 
Twitter: https://twitter.com/drdoreenh 
YouTube Channel: https://www.youtube.com/user/drdoreenh 
Podcast Playlist: https://www.findyourvoicechangeyourlife.com 
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Find Your Voice: Getting Over the Anxiety of Public Speaking and Facing Fears with Dr. Doreen Downing

In today’s Office Hours, Eric answers Amanda's question: “How might Social Security change in the future if there is a large cost-of-living adjustment in 2023?”
Between the high number of boomers retiring and the low number of people joining the workforce, it's only natural that Social Security will look a lot different for Gen Z, Millenials, and even Gen X.
Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
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Office Hours: Will Social Security Survive for Gen X, Gen Z, and Millennials?

Welcome back to Don’t Retire… Graduate! With the holidays right around the corner, it’s a perfect time to spread a little joy and who better to help us do that than the human sparkler herself: Tamra Andress.
She is a thought leader in spiritual entrepreneurship who is helping business owners break out of their comfort zones, let others take the wheel, and build a brand with authenticity. 
Listen to her story and how she made the choice to redefine her success. 

In this episode we’ll talk about:
•What it means to be “always becoming”
•How legacies are seen as money, but should be something far deeper
•Tombstone moments and how Tamra made the decision to change her own life in search of fulfillment 
•Redefining wealth and legacy
•Turning work into play and finding joy in what you do everyday 
•The elements of building a business and a brand with authenticity 
•The power of retreats and why they’re helpful in life and in business
•Why comfort zones are where people go to die
•Surprises and the power of not knowing
•Entering your transformation zone and capturing your message that can become your business, podcast, book, or legacy

Visit dontretiregraduate.com for a full transcript of this episode.

I've been called a human sparkler (who doesn't need a little sparkle in their life) and a top thought leader in spiritual entrepreneurship.
I'm an international speaker, 2x best selling author, and the founder and chief evangelist of F.I.T. in Faith Media Company.
As an ordained minister, I am commissioned to activate purpose-driven leaders personally and professionally with their broadcasted messages and businesses through publishing, podcasting, and play.
Yes, work should be fun!
My role as an event host to annual conferences and retreats enables me to help unleash identity and freedom around the world by bringing together other like-hearted and like-minded sisters and brothers!
www.tamraandresss.com
www.fitinfaithmedia.com
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A Wealth of Joy: Redefining Success and Riches with Tamra Andress

In today’s Office Hours, Eric answers Kyle's question: “Does giving my child an allowance teach them positive or negative lessons about money?”
The short answer is it can do both, but there are ways to offer an allowance that can teach your child about saving, philanthropy, and other important life lessons.
Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
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Office Hours: Using Allowance to Teach Positive Lessons to Your Kids

Welcome back to Don’t Retire… Graduate! We’re holding the industry accountable today with the help of WTFintech creator and People of Finance podcast host, Nicole Casperson. 
Her passions for journalism and financial technology are helping underrepresented communities access financial services and she is a thought leader on how to improve the technology to better serve those communities. 
Listen to her story, eat some vegetables, and start improving your own financial behaviors. 

In this episode we’ll talk about:
•	The WTFintech newsletter and how it helps grow representation within the finance industry 
•	Gamification and how it can be both good and bad when it comes to finance
•	How finance apps like Venmo are designed to produce FOMO rather than good financial behaviors
•	The effects of culture on personal finance and financial behavior 
•	Changing the mindset we have around money so it can be a tool for change 
•	The game is rigged – why the majority is losing while a small number win 
•	The power of authenticity and vulnerability in the media

Visit dontretiregraduate.com for a full transcript of this episode.

About Nicole Casperson:
Nicole Casperson is the creator of WTFintech? - a twice-weekly industry newsletter with nearly 50,000 subscribers, and averaging a 45% unique open rate. 
She is the host of Humans of Fintech (formerly WTFintech?) - a weekly podcast taking you behind the scenes with some of the most successful fintech founders operating today. With a particular focus on women and operators from underrepresented backgrounds. 
Nicole on Twitter: https://twitter.com/nicolecasperson 
Nicole on LinkedIn: https://linkedin.com/in/nicole-casperson-0820a5133 
Nicole's Podcast: https://podcasts.apple.com/us/podcast/humans-of-fintech/id1600731457
Nicole's Newsletter: https://workweek.com/brand/wtfintech/
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What the Fintech? How Technology is Opening the Financial Industry to More Diverse Voices with Nicole Casperson

In today’s Office Hours, Eric answers Ben's question: "Is it better to pay in cash for daily purchases or use a credit card?”
This answer can vary based on your spending habits, so Eric is here to outline who may benefit from each option. 
Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
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Office Hours: Should I Be Using Cash or Credit?

Welcome back to Don’t Retire… Graduate! With Veterans Day coming up, we have a very special guest to talk about how she uses her own experience with finance and military service to serve the Veteran community.
Dr. Ann James is a veteran of the U.S. Air Force, a Certified Financial Coach, and the CEO of Financial Freedom Battle Buddies, and is on a mission to help fellow veterans transform their financial well-being. 
We thank Dr. James and all her fellow veterans for their service and are proud to share her story with you today. 

In this episode we’ll talk about:
•	Dr. Ann James’s story of military service, single parenthood of a child of special needs, and how she found her passion for personal finance.
•	The importance of financial planning as a parent of a child with special needs.
•	The B.A.T.T.L.E. plan for financial freedom.
•	The loss of financial security many military families feel when they leave the service.
•	Necessary versus unnecessary debt.
•	The unique challenges that are faced by the military community and the challenges that come with working with the community.
•	Advice for military members who are still serving for transitioning out of the military.
•	What comes next and what Dr. James wants to be when she grows up.

About Dr. Ann James
Dr. Antoinette (Ann) James began her career as an enlisted member in the U.S. Air Force. Over her military career, she held numerous positions which included personnel administration and financial management. Upon earning her commission, she was responsible for executing multi-million-dollar operating budgets within the U.S. and overseas. After 21 years of proud service, she retired and went on to earn her Doctorate of Education. 
 Currently, as a Certified Financial Coach and CEO of Financial Freedom Battle Buddies, Dr. Ann is on a mission to educate and equip military veterans on how to transform their financial well-being using her B.A.T.T.L.E method. She’s been featured and cited on several platforms such as USA Today and the Penny Hoarder. In her free time, she enjoys traveling, reading and spending time with family and friends. 
www.drannjames.com

Visit dontretiregraduate.com for a full transcript of this episode.
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Find Your Battle Buddy: Helping Veterans Reach Financial Freedom with Dr. Ann James

In today’s Office Hours, Eric answers Michelle's question: “what's one big purchase you've made and regretted later?"
Everyone experiences buyer's remorse at some point in their life, and Eric is no different. Hear what he has regretted purchasing in his life, and send us a message about your biggest spending regrets. 
Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
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Office Hours: Regretting a Big Purchase

Welcome back to Don’t Retire… Graduate! Today’s guest is Tiffany Grant, a financial counselor and the host of the Money Talk with Tiff podcast. 

Tiffany is a fantastic content creator within the personal finance space—except for her online quiz that must be broken if Eric did not get a perfect score—and is one of the many money nerds making financial literacy accessible to the public. 

Listen to her story and take her online quiz (after you listen to Eric giving out the answers, of course) to see if you can beat Eric’s 92%. 

In this episode we’ll talk about:

•	Tiffany’s upbringing that led her to financial and professional success 
•	Student loans and how to go through graduate school without paying tuition and/or getting paid
•	Financial literacy and the lack of education in most schools
•	Extra credit assignments and why those who need help aren’t the ones who seek it
•	The Money Talk with Tiff podcast and how it’s helping to spread financial education
	
Visit dontretiregraduate.com for a full transcript of this episode.

About Tiffany Grant: 
Where do I start? I am a self-proclaimed money nerd and proud of it! I live and breathe finances. After years of giving impromptu advice to family and friends, I said why not start a blog? This way all of the knowledge will have an online platform and reach even more people!  

From a young age, I was always money-conscious. I remember being as young as 6 and clipping coupons. Did anyone use them? Nope, but I found joy in going through the motions. When I got my first job at 16, I used coupons to get more bang for my buck. Once I saw how helpful they were, I used coupons for everything! Cashiers were impressed by a teenager leaving with a cart full of items for only $20.  

​As time progressed, I wanted to do more with my money. I started investing at the age of 19. I had amassed a few thousand dollars but decided to sell it all when times got rough. Big mistake but I had to do what I could.  

I bought my first house at the age of 26. How? By saving, keeping a close eye on my credit, and living well below my means. Frugal is my middle name! Wealth-building is all about having goals and being laser-focused on accomplishing them. My next goal is to be debt-free (except the house) by age 30.

What makes this even more amazing is I did it all while being a single mother of two little boys, working full-time, and going to school. Now, what's your excuse? Let's get started! Time is ticking!

I have a Bachelor in Business Administration with a concentration in Management, Master of Business Administration (MBA), Accredited Financial Counselor (AFC), SHRM-CP, Lean Six Sigma Yellow Belt, and years of experience helping people like you!

https://www.moneytalkwitht.com/
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Money Talk with Tiff and Eric: How Money Nerds Are Making Finance Less Boring

In today’s Office Hours, Eric answers Emily's question: “how does the 2022 market correction compare to prior market corrections and what should investors do?"
The factors causing the current market conditions are unique, but there is a common factor that exists between all the corrections we've seen in the past: fear. This episode will explain what is happening in the markets right now and what investors should be doing.
Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
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Office Hours: Understanding the 2022 Market Correction

Welcome back to Don’t Retire… Graduate! Today’s guest is Natalie Torres-Haddad MPA, AWA, a two-time TEDx speaker, award-winning author, and the host of Financially Savvy in 20 Minutes.

Natalie’s story of being raised by immigrants during the LA Riots, experiencing the cultural differences between the rich and poor, and learning about money the same way she learned a second language should serve as inspiration for anyone struggling to reach financial independence. 

We are so glad to have her here to share her story, discuss what it’s like to be successful in an industry in which you’re underrepresented, and that sometimes you just need to give yourself a little grace. 

In this episode we’ll talk about:
•	Natalie’s upbringing and personal finance became a language she had to learn
•	Being patient with yourself and figuring out what you can learn in 20 minutes each day 
•	Generational and familial differences and how we all struggle differently 
•	The field of finance and how breaking through it as a woman and/or a person of color is still a challenge 
•	Figuring out what works for you and giving yourself grace
•	Learning from your mistakes more than when things go well

Visit dontretiregraduate.com for a full transcript of this episode.

About Nathalie Torres-Haddad:
She is an international award winning author, educator and bilingual podcast host of Financially Savvy in 20 Minutes. Her expertise has been featured in Forbes, Huffington Post, LA Times, and many news outlets like Telemundo and Fox. 
A two time TEDx speaker known for her talk “The foreign language of financial literacy”. 
Some of her videos have received over a million views and is a sought out keynote speaker all over the country as a financial literacy and mental health advocate. A first generation college graduate from CSULB, in Finance and International Business with a Masters from CSUN, she focuses on helping those with debt and working toward financial independence. Her first children's book in 2020 Made the #1 best seller on Amazon: "A dress to remember" based on the nonprofit LA's Prom Closet she had for several years. Born in El Salvador, and raised in Inglewood she quickly understood that the lack of financial literacy limits her community of basic human rights and equality in resources. She started investing in real estate at age 24 and began her career advocating for financial literacy.  
http://financiallysavvyin20minutes.com/
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The Foreign Language of Finance: Overcoming Cultural, Racial, and Gender Biases to Find Financial Success with the Financially Savvy Latina

In today’s Office Hours, Eric answers Tony's question: “What's the easiest way for a beginner investor to get started?”
The first step of any journey can be difficult, but in this case we think education is a great place to start. After that, it can depend on your goals and will take practice.
Have a question? Tweet it to us at @BrotmanPlanning, or post it on our Facebook and it may be used in a future episode of Office Hours!
Visit dontretiregraduate.com for a full transcript of this episode.
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Office Hours: Getting Started as a Beginner Investor

Welcome back to Don’t Retire… Graduate! Today’s guest is Joseph Hogue, CFA®, the host of Let’s Talk Money! With Joseph Hogue, joining us to break down the art and science of investing and share his rules for making money in the stock market. 
Investing has become entertainment media and everyone wants to be slinging stocks, but Joseph shares his ideas about why very few people should really own individual stocks and why funds are better for the vast majority. Plus, hear his three rules to follow to not lose money when investing. 

In this episode we’ll talk about:
•	What investing really is and how it can give everyone a taste of entrepreneurship 
•	The reason people are scared or intimidated by investing 
•	Human behavior and how we tend to make the wrong choices with our money
•	Looking at stock market crashes as flash sales
•	How to tell the difference between good financial advice and not-so good advice 
•	Who should or should not own individual stocks and how to balance your portfolio for growth 
•	The 3 rules to not lose money on stocks 
•	When you should or should not sell your shares 
•	Concentrated stock positions and overweighting your portfolio in one investment, including your own company 
•	Income risk and financial risk in choosing your investments 
Visit dontretiregraduate.com for a full transcript of this episode.

About Joseph Hogue
Born and raised in Iowa, Joseph Hogue graduated from Iowa State University after serving in the Marine Corps. He worked in corporate finance and real estate before starting a career in investment analysis. He has appeared on Bloomberg and CNBC and led a team of equity analysts for a venture capital research firm. He holds a master’s degree in business and the Chartered Financial Analyst (CFA) designation. 
Joseph left the corporate world in 2014 to build his online businesses, first through creating websites and later through his YouTube channel, Let's Talk Money. He's since grown the community to over 550,000 and reaches more than 1.8 million people a month through the blogs, YouTube and a weekly market newsletter. 
https://www.youtube.com/c/LetsTalkMoneywithJosephHogueCFA
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How to Not Lose Money in the Stock Market: Understanding Mainstream Investing with Joseph Hogue

In today’s Office Hours, Eric answers Julia's question: “I'm getting divorced. How do I know if I'm getting a fair split of marital assets?”
This can be a hard situation to navigate, but bringing in a financial professional is a great way to start.
Have a question? Tweet it to us at @BrotmanPlanning or post it on our Facebook and it may be used in a future episode of Office Hours!
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