If Money Were Easy

Hosted by Mary Beth Storjohann and Neela Hummel, If Money Were Easy is a space where real, authentic conversations about money are the norm. Inspired by their work as CERTIFIED FINANCIAL PLANNER® professionals, Mary Beth and Neela are rewriting the narrative that finances are overwhelming, and offering empowering, accessible, and actionable tips to help you make smarter financial decisions and build a life you love. And since money is an undercurrent that influences nearly every aspect of our lives, expect episodes that touch on everything from family and health, to gender equity and beyond. With timely, candid dialogue and insightful guest spotlights, the bi-weekly episodes feel like chatting with friends about the topics that truly matter. The goal? To make money discussions feel natural, relatable, and yes — even easy. Welcome to the conversation.

Disaster-Proof Your Finances: What to Do Before Crisis Hits with Susan Olson 05/14/2025

Wealth and Shame: The Discomfort of Having Money 05/12/2025

The Golden Bachelorette: Skipping Marriage for Love and Financial Independence 05/07/2025

The Golden Bachelorette: Skipping Marriage for Love and Financial Independence When love blooms later in life, so do important money questions. In this episode of If Money Were Easy, Mary Beth and Neela discuss the financial realities of dating, cohabiting, and marrying after 40. Inspired by the idea of the "Golden Bachelorette," they explore how second (or third) chapters can bring new challenges and new opportunities for building strong financial foundations. From prenups and estate plans to blending families, tune in for thoughtful insights and real-world examples you might use to open your heart while also protecting your finances. Whether you’re entering a new relationship, planning a second marriage, or supporting a parent stepping into a new chapter, this episode offers practical strategies to help navigate the intersection of love and money with confidence and clarity. For additional resources, information, and a full transcript of the episode, . To access our podcast disclosure information, . What You’ll Learn in this Episode: Why traditional financial “rules” don’t always apply later in life. How to protect your financial independence while building a relationship. The importance of prenups, estate planning, and updated beneficiaries. Managing money when blending families and raising kids from previous relationships. How to have clear, empowering conversations about money, love, and boundaries. How assembling a strong team (CPA, financial planner, attorney) can help. Resources: The Big Shift: For Older Women With Money, It’s “Yes” to Love and “I Don’t” to Marriage – The Washington Post | January 16, 2024 More couples are divorcing after age 50 than ever before. Psychologists are helping them navigate the big changes – American Psychological Association | November 1, 2023 Stay Connected: Subscribe to the If Money Were Easy Subscribe to If Money Were Easy on Follow Mary Beth on and Follow Neela on and Join the Abacus community by connecting with us on , , and on /episode/index/show/0a83a7b6-b868-4f0b-916e-66bc4588f6ba/id/36350615

Insurance 101: Demystifying Life and Disability Policies with Mark Maurer 04/30/2025

How to Pick a Financial Advisor That’s Right for You 04/16/2025

How to Pick a Financial Advisor That’s Right for You Selecting a financial advisor can be a process, especially given the wide range of titles, credentials, and compensation models in the industry. In this episode, co-hosts and CERTIFIED FINANCIAL PLANNER® professionals Mary Beth Storjohann and Neela Hummel outline the factors to consider when choosing an advisor who aligns with your financial goals and values. They explore the distinctions between various advisor designations, with a focus on the importance of working with a CERTIFIED FINANCIAL PLANNER® professional. They also cover the concept of fiduciary responsibility—why it matters, and how to assess if your advisor is acting in your best interest. Additionally, Mary Beth and Neela discuss the different ways financial advisors are compensated, including commission-based, fee-only, and hybrid models, and how those structures can influence the advice you may receive. Whether you're beginning your search or reevaluating an existing relationship, this episode offers valuable guidance to help you make well-informed decisions for your financial life today, and into the future. For additional resources, information, and a full transcript of the episode, . To access our podcast disclosure information, . What You’ll Learn in this Episode: The distinctions between various financial advisor titles and the significance of the CFP® designation. The importance of choosing an advisor who is a fiduciary who prioritizes your financial well-being. Different advisor compensation models like commission-based and fee-only, and their implications on advisory services. The questions to ask during your first meeting with a potential advisor. Resources Mentioned on the Show: How to Choose a Financial Advisor – Abacus Wealth Partners What It Means to Work with a Fee-Only, CFP® Professional Financial Advisor - Abacus Wealth Partners The National Association of Personal Financial Advisors (NAPFA): Stay Connected: Subscribe to the If Money Were Easy Subscribe to If Money Were Easy on Connect with Mary Beth on and on Connect with Neela on and Join the Abacus community by connecting with us on , and on /episode/index/show/0a83a7b6-b868-4f0b-916e-66bc4588f6ba/id/36066505

How Do Interest Rates Influence Your Money? 04/02/2025

New Year, Same You: Approach 2025 With Compassion 03/19/2025

New Year, Same You: Approach 2025 With Compassion How can you step into 2025 with compassion — and maybe even a little ease — in a world full of uncertainties? In this Season 3 kickoff episode, hosts Mary Beth Storjohann and Neela Hummel share thoughtful strategies for navigating both financial and emotional transitions as the new year gains momentum. Focusing on presence and personal values, they explore the benefits of setting realistic, meaningful intentions instead of rigid resolutions and highlight the power of small yet impactful financial moves — like adjusting 401(k) contributions and reviewing expenses. They also offer insights on staying grounded amid external stressors, emphasizing the importance of paying attention to what you can control and finding peace with what’s beyond your influence. Plus, they dive into managing financial anxiety — especially in times of market fluctuations — encouraging a long-term, values-driven approach over impulsive, fear-based decisions. Tune in for practical tips, fresh perspectives, and an empowering start to the year! For additional resources, information, and a full transcript of the episode, . To access our podcast disclosure information, . What You’ll Learn in this Episode: The benefits of setting intentions over making resolutions for a more compassionate approach to the year. Practical steps to take control of finances in the new year, including 401(k) adjustments and budget reviews. Techniques for managing financial anxiety and the importance of aligning financial actions with personal values and goals. The three questions Mary Beth is asking herself as she navigates this new year, as inspired by her recent Life Planning training course. Resources Mentioned on the Show: Neela’s Blog Post: — January 14, 2025 Abacus Webinar: – January 17, 2025 — The New York Times, January 3, 2025 with Abacus Wealth Partners Stay Connected: Connect with Mary Beth on and on Connect with Neela on and Subscribe to the If Money Were Easy and on the new channel Join the Abacus community by connecting with us on , and on /episode/index/show/0a83a7b6-b868-4f0b-916e-66bc4588f6ba/id/35683255

Season 3 Coming March 19th! 03/12/2025

The Power of Gratitude in This Season with Spencer Sherman 12/18/2024

The Power of Gratitude in This Season with Spencer Sherman In this episode special guest, Spencer Sherman, a celebrated financial advisor, author, and co-founder of Abacus Wealth Partners, shares his insights on integrating mindfulness into money management. Spencer explains that practicing gratitude can help with decision-making by reducing the tendency to ruminate over negative experiences. He discusses human survival wiring, which naturally directs attention to potential threats, leading people to dwell on negatives like critical emails or market losses. Throughout the discussion, various practical examples of incorporating mindfulness are provided. The concept of "microdosing" mindfulness is introduced as a way to build a more consistent practice. The conversation also highlights the need to recognize and sit with challenging emotions rather than trying to immediately fix them. The episode concludes with a gratitude meditation led by Sherman, focusing on appreciating current abilities and relationships while recognizing that others may feel grateful for us as well. Join us today and hear how you can practice mindfulness in your life! For additional resources, information, and a full transcript of the episode, . To access our podcast disclosure information, . What You’ll Learn in this Episode: Why humans are naturally wired to focus on the negative and how we can rewire that thought process The importance of practicing gratitude in our daily lives How to use mindfulness to shift your thinking around finances The best way to approach gratitude, and it shouldn’t be on a To-Do list The reason those little moments of mindfulness can be the most impactful Why it is critical to recognize gratitude within your community and how that can foster interconnectedness A better approach to handling negative emotions How to shift your thinking from desires to appreciation (and the positive impact that can have on your life) An impactful way of breaking negative patterns to open new possibilities An understanding of how to realistically view your problems and how to reduce overreactions to negative events Resources: Explore more of Spencer’s mindfulness-based approach to money via his , , the finance course, or his in-person . Stay Connected: to learn more about and connect with Spencer on , , , and or at [email protected] Connect with Mary Beth on , , and on Connect with Neela on , , and on Join the Abacus community by connecting with us on , , and on /episode/index/show/0a83a7b6-b868-4f0b-916e-66bc4588f6ba/id/34430295

We're 40. Here's What We're Looking Forward to Financially Over the Next Decade 12/04/2024

Money Lessons for Our Sons 11/20/2024

Money Lessons for Our Sons What are the unique financial and societal challenges that young men face today? From the significance of developing strong social and emotional skills to understanding the difference between investing and gambling, Mary Beth and Neela offer actionable insights and personal anecdotes. The hosts discuss societal pressures on young men during their "grind years," emphasizing the value of patience and face-to-face social interactions. They share personal stories from their own experiences raising children, highlighting the importance of early financial education and emotional awareness. The conversation also touches on gender-specific financial teachings, the balance between societal expectations and personal values, and the importance of open communication in relationships. Tune in to learn how to cultivate these skills in your children, and how to help them grow up to be well-rounded and financially savvy individuals. For additional resources, information, and a full transcript of the episode, . To access our podcast disclosure information, . What You’ll Learn in this Episode: Some of the social and emotional challenges that young men face today Why those face-to-face interactions are so crucial in developing social skills Comparing communication skills and regular exercise The importance of teaching children about emotional awareness at a young age Some societal norms that impact how men respond in relationships and around money Understanding the financial aspect when choosing your life partner Comparing and contrasting gambling and long-term investing The one thing most people need when it comes to their finances in this fast-paced world How your financial behaviors can impact and influence your children’s financial behaviors Why it is critical to understand privilege and how to use it positively How a lesson on gratitude can benefit your little ones Resources Mentioned on the Show: Stay Connected: Connect with Mary Beth on , , and on Connect with Neela on , , and on Join the Abacus community by connecting with us on , , and on /episode/index/show/0a83a7b6-b868-4f0b-916e-66bc4588f6ba/id/33961932

Navigating Parents' Aging and Financial Care: Lessons from A Personal Journey with Kathryn Peyton 11/06/2024

Navigating Parents' Aging and Financial Care: Lessons from A Personal Journey with Kathryn Peyton Today's episode features a special guest who brings a wealth of experience both professionally and personally. Kathryn Peyton, a CERTIFIED FINANCIAL PLANNER™ with Abacus Wealth Partners since 2016, joins us to share her invaluable insights on managing the role of an executor. We'll dive into Kathryn's personal journey, where she combines her professional expertise with real-life experiences, such as caring for her aging mother. Kathryn will discuss the significance of car rides and open conversations with elder family members, the financial and emotional investment of being an executor, and insights on how to prepare for and manage this crucial role. Join us to explore how to navigate the complex yet rewarding responsibilities of being an executor with our esteemed guest, Kathryn Peyton. For additional resources, information, and a full transcript of the episode, . To access our podcast disclosure information, . What You’ll Learn in this Episode The role of a geriatric care manager and the benefit it can have to your elder and you A few ideas on how to balance personal and caregiving roles How to foster open and meaningful conversations with your elders How to create space and opportunities for elders so you can learn more about them and their wishes The importance of having open communication when it comes to end-of-life desires and planning A few tips on how to alleviate stress on the elder and on you as the executor A few things you should keep in mind if you are named someone’s executor The importance of having accounts designated as “pay on death” The time commitment as an executor What you can do to make your work as an executor streamlined before the person’s passing Resources Mentioned on the Show Stay Connected Find Kathryn on and learn more about her by . Connect with Mary Beth on , , and on Connect with Neela on , , and on Join the Abacus community by connecting with us on , , and on /episode/index/show/0a83a7b6-b868-4f0b-916e-66bc4588f6ba/id/33802862

Money Lessons for Our Daughters 10/23/2024

Marriage and Money: Is a Prenup Right For You? with Terry Steen 10/09/2024

Marriage and Money: Is a Prenup Right For You? with Terry Steen In today's episode, we explore the often-misunderstood topic of prenuptial agreements (prenups). Joining us today is our esteemed guest, Terri Steen, an experienced family law attorney and mediator who has been practicing family law in Los Angeles since 2009. We'll explore the phases of prenuptial agreements, their impact on communication and empathy in relationships, and what makes for successful prenup negotiations. We'll also touch upon the importance of postnuptial agreements, legal obligations for immigrant spouses, and the complexities of commingling finances. And of course, we’ll share Terri's personal insights and experiences that shed light on why prenups can be a vital tool for protecting individual assets and ensuring financial clarity in marriage. So, whether you're considering a prenup, navigating financial discussions with your partner, or simply curious about the legal and emotional facets of marriage and money, stay tuned—this episode is packed with valuable insights and practical advice. For additional resources, information, and a full transcript of the episode, . To access our podcast disclosure information, . What You’ll Learn in this Episode: The importance of have open money conversations early in your relationship The three phases of prenuptial agreements and how to navigate the potential emotional challenges How to talk about financial history and future financial planning in your relationship Why prenups should come from a mutual understanding The reason understanding legal obligations around finances and marriage is important in your relationship How to maintain separate properties and some of the rules around community property How often you should be looking and updating your prenuptial agreement A reason to seek legal counsel before marriage The fundamental principal to achieve financial stability while making sound financial decisions The stigmas surrounding prenups Stay Connected: Connect with Terry on Connect with Mary Beth on , , and on Connect with Neela on , , and on Join the Abacus community by connecting with us on , , and on /episode/index/show/0a83a7b6-b868-4f0b-916e-66bc4588f6ba/id/33235112

Preparing for the Death of a Loved One with Jana Davis 09/25/2024

Preparing for the Death of a Loved One with Jana Davis While not always an easy conversation to have, talking and preparing for the death of a loved one is incredibly important. On this week’s episode, we’re joined by Jana Davis, a financial advisor at Abacus Wealth Partners, who specializes in working with octogenarians and people in their later chapters of life. Jana’s approach to financial planning is rooted in empathy and radical candor, making sure that elderly clients are treated with the respect and dignity they deserve. Today, we'll be diving into the importance of having open and honest conversations with our aging family members, making comprehensive plans well ahead of time, and the necessity of having a strong support team in place. Tune in as we explore the critical steps in end-of-life planning and share advice on how to handle these conversations with care and empathy. For additional resources, information, and a full transcript of the episode, . To access our podcast disclosure information, . What You’ll Learn in this Episode: The best way to handle the conversation around finances and health care planning for elderly family members What to consider when talking about fears and concerns for those elderly family members The best time to start planning for the death of a loved one and some signs to look for A few key pieces of information to generate (if they haven’t been already) to make for efficient and effective planning What to ask for when understanding the person’s financial portfolio Some of the trusted advisors to have on the team as you and your elderly family member navigate these waters Why estate planning and expense management is crucial as end-of-life approaches The importance of involving your children for the parents’ financial affairs How to guard again scams and elder abuse Why a balance between empathy and logic in financial planning must be used Stay Connected: Connect with Jana Davis on or reach out at [email protected] Connect with Mary Beth on , , and on Connect with Neela on , , and on Join the Abacus community by connecting with us on , , and on /episode/index/show/0a83a7b6-b868-4f0b-916e-66bc4588f6ba/id/32752297

Tax Planning for Entrepreneurs with Tiffany Vaught 09/11/2024

Tax Planning for Entrepreneurs with Tiffany Vaught Today, we're diving into a topic that can make or break a business—tax planning for entrepreneurs. In this episode, we’re excited to have Tiffany Vaught join us. Tiffany is not just any CPA; she’s a Certified Exit Planning Advisor (CEPA®) for small business owners, the CEO of Incurio, LLP, and the co-founder of Something Artists. With her entrepreneurial spirit and extensive experience, Tiffany brings a wealth of knowledge about proactive financial planning and tax strategies that can help you navigate your business journey with confidence. We'll discuss tax planning essentials—whether you're a sole proprietor or contemplating making an S Corp election, the significance of maintaining accurate records, and Tiffany’s insights on the IRS’s increasing use of AI for audits. We’ll also touch on how unique income streams and expenses, like those from influencers, or complex real estate investments, play into your tax planning. So, whether you're a seasoned entrepreneur, a solo consultant, or just starting out, join us! For additional resources, information, and a full transcript of the episode, . To access our podcast disclosure information, . What You’ll Learn in this Episode: How a CPA can help provide financial solutions in your business When to do your own accounting and when to hire a professional The importance of understanding basic accounting to facilitate planning and tax filings Why accurate and timely bookkeeping is crucial for business strategy and financial planning How frequently you should be checking your business books and why A key to long-term business stability The best way to improve cash flow management and mitigate unforeseen financial challenges How to shift your operations from hand-to-mouth to forward-looking financial health What you need to be strategic with cash flow management and acquiring lines of credit Understanding how entrepreneurs can avoid crises and optimize growth strategies Resources Mentioned on the Show: by Lynne Twist Stay Connected: Connect with Tiffany Vaught on , , and . Visit to learn more. Connect with Mary Beth on , , and on Connect with Neela on , , and on Join the Abacus community by connecting with us on , , and on /episode/index/show/0a83a7b6-b868-4f0b-916e-66bc4588f6ba/id/32752317

Is Homeownership Still Part of the American Dream 08/28/2024

Why You Need a Village to Get Through Parenthood 08/14/2024

Financial Planning for Inheritors with Daria Victorov 07/31/2024

The AI Tools You Should Know About As a Consumer with Gabe Brenner 07/17/2024

The AI Tools You Should Know About As a Consumer with Gabe Brenner In today's discussion, we're diving into the world of artificial intelligence and its implications for consumers. We’re joined by Gabe Brenner, a financial advisor at Abacus Wealth Partners, who shares his perspective on the integration of AI tools in financial planning and everyday life. Gabe will walk us through the potential and practical uses that AI holds, from boosting productivity to navigating complex information effortlessly, and even aiding in our creative ventures. We'll also discuss the dual nature of AI, covering both its benefits and potential risks, including AI-driven scams and the necessary precautions to protect ourselves against them. Gabe will share some of his recommended AI tools and his experiences with them. By the end of this episode, you'll have a clearer understanding of how to leverage AI effectively, its importance in our rapidly evolving technological landscape, and ways to safeguard yourself against its potential pitfalls! For additional resources, information, and a full transcript of the episode, . To access our podcast disclosure information, . What You’ll Learn in this Episode: Understanding the basics of AI tools and how they show up in the consumer market How to use AI for creative tasks effectively Leveraging some of the AI tools out there (and which one is best for different tasks) The impact AI is having on several careers and industries Gabe’s top 4 AI tools Why it’s important to verify the data obtained from AI Some of the potential risks and scams and how to implement security measures Some of the upcoming advancements in AI A few of the companies that are working to keep AI ethical and use it for good A discussion on how AI is being integrated into educational processes Why consumers should integrate AI into their daily tasks for better outcomes Resources Mentioned on the Show: Stay Connected: Join the Abacus community by connecting with us on , , and on Connect with Mary Beth on , , and on Connect with Neela on , , and on /episode/index/show/0a83a7b6-b868-4f0b-916e-66bc4588f6ba/id/32175012

How to Be a Conscious Consumer and Investor with Kate Barron-Alicante 07/03/2024

How to Be a Conscious Consumer and Investor with Kate Barron-Alicante Today, we bring on , Director of Impact and Financial Advisor at Abacus Wealth Partners. Kate is here to guide us on a journey to becoming conscious consumers and investors. She'll share her insights on aligning our spending and investment decisions with our deeply held values, making mindful choices that do more than just serve our immediate needs—they help to sustain the communities and the planet we care about. In this episode, Kate will walk us through her own experience and offer practical, personalized steps to initiate meaningful change. We'll explore the concept of B Corps, explore the importance of impact reports, and discuss the broader implications of our financial decisions, from everyday purchases to the banks we choose. By the end of our conversation, you'll have a better understanding of how to evaluate companies on their treatment of workers, environmental practices, and social impact—so you can make choices that reflect what matters most to you. So let’s jump in and get started! For additional resources, information, and a full transcript of the episode, . To access our podcast disclosure information, . What You’ll Learn in this Episode: What is meant by conscious consumerism Why we should pause, slow down, and be mindful of our spending decisions What Impact Spending is and how to maximize your conscious consumerism impact Where to start to build conscious consumer habits How to tailor your conscious consumer decisions based on your personal life Some criteria to use when searching for ethical companies B Corp explained and the impact these companies have How to read and analyze a company’s impact report Why you should focus on being 1% better on your conscious consumerism Other industries to include in your conscious consumer choices to leverage a collective impact in the world Resources Mentioned on the Show: Additional Resources: Stay Connected: Connect with Kate Barron-Alicante on Connect with Mary Beth on , , and on Connect with Neela on , , and on Join the Abacus community by connecting with us on , , and on /episode/index/show/0a83a7b6-b868-4f0b-916e-66bc4588f6ba/id/31876962

Winning the Credit Card Game: Making Sense of Perks 06/19/2024

Financial Planning for Families with Young Kids with Emily Benedetto 06/05/2024

Investing 101: Wall Street without the Jargon 05/22/2024

Truth and Lies About Retirement Planning 05/08/2024

How Do You Know When You're on Track to Being Financially Free? 05/01/2024

How Do You Know When You're on Track to Being Financially Free? In today’s episode, and explore the concept of financial freedom and how to know if you're on track to achieve it. They discuss the different interpretations of financial freedom, retirement planning, the FIRE movement (Financial Independence, Retire Early), the impact of savings and investment on achieving financial freedom, and the importance of having a diversified financial portfolio. They also touch upon the psychological aspects related to money, the significance of tracking net worth and budgeting, and the use of online retirement planning calculators to gauge progress toward financial freedom. They emphasize the personalized nature of financial planning and the need for a holistic approach when considering factors such as expenses, income streams, assets, and tax allocation. Tune in as Mary Beth and Neela share their insights on achieving financial freedom and providing valuable advice to help you on your path to financial independence. For additional resources, information, and a full transcript of the episode, . To access our podcast disclosure information, . What You’ll Learn in this Episode: Why being financially free means different things to different people How to define what financial freedom means for you Other definitions of being financially free besides retiring Why many people continue to work once they’ve reached financial freedom What the FIRE movement is and the sacrifices that come with it The 4% retirement rule and how to apply it to your life The importance of having a combination of assets when approaching retirement The tax implications if you are solely relying on your 401k during retirement The importance of tracking your net worth throughout your life The importance of a budget and understanding your household expenses as you approach retirement Stay Connected: Connect with Mary Beth on , , and on Connect with Neela on , , and on Join the Abacus community by connecting with us on , , and on /episode/index/show/0a83a7b6-b868-4f0b-916e-66bc4588f6ba/id/30743103

Financial Planning and Infertility 04/24/2024

Financial Planning and Infertility On this episode of If Money Were Easy, Mary Beth Storjohann and Neela Hummel unpack the emotional fabric of financial planning through the lens of a journey both personal and common - infertility. Together, they explore the emotional and financial complexities of fertility treatments, the importance of setting a budget, the different financing options available, and how to navigate the intersection of monetary investment and deeply personal choices within the journey of starting a family. Join the conversation and navigate these intricate waters with empathy and financial acumen on today’s episode. For additional resources, information, and a full transcript of the episode, . To access our podcast disclosure information, . What You’ll Learn in this Episode: The importance of knowing what your insurance covers when it comes to fertility treatments Questions to ask when speaking with your insurance company about fertility treatments Why you need a budget when it comes to such an emotionally tolling topic The reason you shouldn’t accept the first offer when it comes to the price for the medications needed for fertility treatment How to go in with a plan so it doesn’t completely ruin your financial health Other financial options you can explore instead of just taking the first one presented to you by the fertility clinic Why you should consider the long-term financial implications when making your family plan The importance of discussion the extremes should the worst-case scenario happen Caring for your mental health and how to prepare How intertwined financial planning and infertility planning are and how to set yourself up to stay on track Resources Mentioned on the Show: Stay Connected: Connect with Mary Beth on , , and on Connect with Neela on , , and on Join the Abacus community by connecting with us on , , and on /episode/index/show/0a83a7b6-b868-4f0b-916e-66bc4588f6ba/id/30907248

Are Financial Stereotypes Playing Out in Your Relationship? 04/17/2024

What I Wish I Knew About Money at 22 04/10/2024

The Power of Female Community with Kahne Krause 04/03/2024

If Money Were Easy

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