Derek Mazzarella at Gateway Financial Partners

06/25/2026

06/23/2026

We all have regrets. Some more than others.

For everyone, that includes both personal and financial regrets. Financial regrets are almost inevitable. There may be a car you wish you didn't buy, and investment you did or didn't make, or a credit card you got because you could save 10% at JC Penny.

On the latest episode of Millennial Money Matters, Kelly Turner, our guest Maggie Garden, and I did exactly that. We got honest about the money mistakes we made at 25 and what we'd do differently.

A few things that came up:

1. 𝗛𝗼𝘄 𝘄𝗲 𝘄𝗶𝘀𝗵 𝘄𝗲 𝘀𝘁𝗮𝗿𝘁𝗲𝗱 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗲𝗮𝗿𝗹𝗶𝗲𝗿. The math on waiting even a few years is tough to hear.
2. 𝗖𝗮𝗿𝘀. Of course cars would come up on a financial regrets episode.
3. 𝗖𝗿𝗲𝗱𝗶𝘁 𝘀𝗰𝗼𝗿𝗲𝘀 𝘀𝗻𝗲𝗮𝗸 𝘂𝗽 𝗼𝗻 𝘆𝗼𝘂. How little we thought about the importance of a good credit score.

We wanted everyone to know that even financial professionals can make mistakes and maybe give the younger generation some advice on what not to do (which sometimes is more important).

What is one financial decision you'd change in your 20s?

Full link below:

06/22/2026

New Millennial Money Matters Episode Alert!

You'll have to check out the episode to see why we are talking about pre-gaming again.

06/09/2026

Your kid is three years old and already $300,000 in debt.


Not literally. But if tuition keeps rising the way it has (32% above inflation since 2006), that's where a four-year degree could land by the time they're heading to campus.

So where should you actually be putting money?

On the latest Millennial Money Matters, Turner and I break down the cost of college, the shift to trade schools, how to plan for college and four main college savings accounts:

𝟱𝟮𝟵 𝗣𝗹𝗮𝗻: Still the go-to. Tax-free growth, state tax deduction if you use your home state's plan, and a new rule lets you roll up to $35,000 into a Roth IRA if your kid doesn't go.

𝗧𝗿𝘂𝗺𝗽 𝗔𝗰𝗰𝗼𝘂𝗻𝘁: Brand new, goes live July 5th. Kids born between 2025-2028 get a free $1,000 from the government. It's not more tax efficient than a 529, but free money is free money.

𝗨𝗧𝗠𝗔 𝗔𝗰𝗰𝗼𝘂𝗻𝘁: Most flexible of the group. No restrictions on what the money is used for. Good for layering in as your kid gets closer to college age, but it does become the kid's account at age 21.

𝗬𝗼𝘂𝗿 𝗼𝘄𝗻 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗮𝗰𝗰𝗼𝘂𝗻𝘁: Zero tax benefit, but total flexibility. More useful than people think.

We may be seeing a paradigm shift in college moving forward so building in flexibility will be key here.

Full episode linked below. Worth a listen if you have kids and a mild panic about tuition costs.

What account are you using for college savings?

https://youtu.be/w9ZY_n2xmkU

06/08/2026

New Millennial Money Matters episode dropping tomorrow!

05/26/2026

Financial influencers are seemingly everywhere and they can say whatever they want.

Often, the biggest influencers give the worst advice. This week on Millennial Money Matters, Kelly Turner and I tackle some of the most common pieces of investing advice and let you know our thoughts.

"Never have debt." "You need 20% down." "The stock market is basically gambling."

Here are a few of the topics we covered and our thoughts:

1. 𝗬𝗼𝘂 𝗻𝗲𝗲𝗱 𝟮𝟬% 𝗱𝗼𝘄𝗻 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝘂𝘀𝗲: Disagree. PMI isn't the monster people make it out to be. Having cash in your pocket often beats a lower monthly payment.
2. 𝗔𝗹𝗹 𝗱𝗲𝗯𝘁 𝗶𝘀 𝗯𝗮𝗱: Disagree. Debt is a tool. Every wealthy person you know has it. The problem isn't debt, it's not understanding the debt you're taking on.
3. 𝗣𝗮𝘆 𝗼𝗳𝗳 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝘀 𝗳𝗮𝘀𝘁 𝗮𝘀 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲 : Disagree. The math almost never works in your favor. Mortgage rates are relatively low for many and liquidity matters.
4. 𝗦𝗶𝗱𝗲 𝗵𝘂𝘀𝘁𝗹𝗲𝘀 𝗮𝗿𝗲 𝗻𝗲𝗰𝗲𝘀𝘀𝗮𝗿𝘆 𝘁𝗼 𝗯𝘂𝗶𝗹𝗱 𝘄𝗲𝗮𝗹𝘁𝗵: Disagree. Most of the time, getting better at your actual job pays more than your Etsy store will.

Full episode is live now. https://smartlink.ausha.co/millennial-money-matters/it-s-getting-financially-hot-in-here

What's a money "rule" you've heard that never sat right with you?