This post is sponsored advertising content by State Farm®. All thoughts are my own.

My first season as a podcast host has come to an end.

Earlier this year I was a guest on the Color Full Lives podcast and then this summer I had the pleasure of joining Angela Yee and Aminotou Sow as their third wheel with Season 4. As an official member of the Schmoney Team, I had an amazing time talking about everything from money to business structure to keeping your hands out of the coconut jar (Episode 8) throughout the season.

I’ve been a financial educator for nearly five years and some may consider me a veteran blogger, but there is still so much for me to learn, and I was exposed to something new with each of our guests from this season, as well as my co-hosts. There was so much to choose from but I was able to narrow it down to 3 things that I think you could benefit from as well.


  1. The goal isn’t to highlight the problem, it’s understanding how it became a problem.


During Episode 3 Julien from Rich and Regular spoke about how he approached learning that Kristen had $9,000 in debt when they came clean about the state of their finances. Julien was incredibly gracious, and rather than seeing the amount of Kristen’s debt as the problem, he was more concerned about what it would take to shift her thoughts and what the debt represented.

His approach reminded me that debt is often a symptom of a larger issue. Those issues are different for everyone and it could be low wages, low self-esteem, or a lack of boundaries. It could be a combination of all of the above. But his isn’t just limited to debt or financial matters. When sorting through any problem or a dilemma, it’s important to keep in mind the root cause of the problem so that it doesn’t become a reoccurring norm. Once you identify the root you can treat the problem at the source so that you can avoid continued problems down the road.


  1. Check Your Ego


As an expert, you’re used to people asking you for solutions but not necessarily questioning your credibility. On Episode 5, Marsha Barnes shared how a woman toured her educational bus and upon finishing, she questioned if Marsha “knew what she was doing” when it came to helping people with finances in the manner she planned.

Rather than respond with ego, Marsha reminded us and the listeners that when doing things differently than what people are used to seeing, there will be doubters. It’s important not to take their doubts or questioning personal because it probably isn’t personal and if it is, then reacting to their personal insult will do little to help you. No matter how confident you are in your vision and your abilities, you might have to prove yourself to naysayers, and that’s okay.


  1. Limited Pay Life insurance Options


State Farm offers a variety of products to help individuals protect themselves and their families from the unexpected and unforeseen. I’ve had life insurance for years and was familiar with the concept of the term and permanent life insurance, however, on Episode 7, State Farm Agent Victoria Anderson educated us on Limited Pay Life insurance which was an option I was previously unfamiliar with. Limited pay differs from term insurance wherein it doesn’t expire at the end of a specified time frame such as term. It differs from permanent insurance because you can pay slightly more yet limit your contributions to 10,15, or 20 years and once you’ve reached the end of that specified timeframe, you keep the policy value and it continues to earn cash value.

We had the best guests this season and I’m so thankful to them for taking time out to share their knowledge and journeys with us. So I want to hear from you, what is one thing you learned from tuning into Season 4 of Color Full Lives?


This post is sponsored advertising content by State Farm.




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Created by nationally recognized millennial money expert Tonya Rapley, My Fab Finance is a leading financial education and lifestyle blog for millennials who want to become financially free and do more of what they love.