Remember Eat This, Not That? The 2008 book that said you don't have to be a psycho about dieting. Just swap the bagel for an English muffin and move on with your life. Derek and Kelly do the exact same thing here, except with your money.

No overhauls. No spreadsheet that ruins your Sunday. Just 8 simple swaps that quietly put more money back in your pocket: debit vs. credit, where your savings actually sits, what to do with an old 401(k), term vs. whole life insurance, that big tax refund you're weirdly proud of, how much house to actually buy, the "20% down" rule, and whether paying off your mortgage early is really the flex you think it is.

00:00 First day of school (and the middle school supply gauntlet)
03:26 The game: Financial Do This, Not That
03:44 Swap 1: Debit card, meet credit card
07:24 Swap 2: Ditch the regular savings account
09:44 Swap 3: That old 401(k) needs a home
13:24 Swap 4: Term vs. whole life insurance
16:05 Swap 5: The big tax refund problem
19:01 Swap 6: Don't borrow the max
23:45 Swap 7: The 20% down myth
26:07 Swap 8: Should you pay off your mortgage early?
32:47 Wrap up

New episodes of Millennial Money Matters drop regularly. Like, subscribe, and tell at least six friends (and one enemy).

Small tweaks. Boring on purpose. That's kind of the point.

Connect with Us:
LinkedIn: https://www.linkedin.com/in/derekmazzarella/
Instagram: https://www.instagram.com/millennialmoneymatterspodcast/reels/
Facebook: https://www.facebook.com/people/Millennial-Money-Matters-Podcast/61569837731004/?_rdr

Millennials love Disney, and this episode is your no-stress guide to planning a Disney World trip without blowing your budget. Derek Mazzarella, CFP® and Kelly Turner sit down with Disney travel agent Bethany Stinchin (Boardwalk Travel) to break down what a Disney vacation actually costs, how to avoid the rookie mistakes, and how to skip the three-hour lines.

If the words "Lightning Lane" and "60-day dining window" make your head spin, start here. We cover the whole system in plain English, from picking a park to landing a character breakfast.

What you'll learn:

The best age to take your kids (before the magic is gone) and the ride height requirements that trip families up
How to set a realistic Disney budget (trips range from $1,000 to $25,000+)
The four parks explained: Magic Kingdom, Epcot, Hollywood Studios, and Animal Kingdom
Value vs. moderate vs. deluxe resorts, and why the cheap hotels have the best theming
Getting around: the Sky liner, monorail, buses, and boats
The cheapest times of year to go (and why summer isn't as bad as you think)
Lightning Lanes decoded: what a single pass, multi-pass, and premier pass actually cost
The 2026 and 2027 dining plans, and how to break even on them
Why you still need a stroller (even for an 8-year-old)
The reservation timeline: what to book at 60 days vs. 7 days out
Character meals worth it and the one to skip
Do travel agents cost extra? (Spoiler: no)

Chapters

00:00 Lightning Lanes and Ride Access
24:58 Strategic Planning and Ride Booking
27:23 Crowd Calendars and Weather Considerations
28:46 Special Events and Character Parties
30:14 Dining Plans and Considerations
37:22 Role of a Disney Travel Agent
43:50 Expectations and Mistakes to Avoid

Connect with Us:
LinkedIn: https://www.linkedin.com/in/derekmazzarella/
Instagram: https://www.instagram.com/millennialmoneymatterspodcast/reels/
Facebook: https://www.facebook.com/people/Millennial-Money-Matters-Podcast/61569837731004/?_rdr


Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

Most people set a money goal in January and quit by the 14th (there's actually a stat for that). So Derek Mazzarella, CFP® and Kelly Turner are skipping the resolution and running a 30-Day Financial Reset you can start any time of year. One hour a week, four weeks, done.

No guilt. No punishment. No "cut out your coffee" nonsense. Just four simple moves that plug the leaks and point your money at what actually matters to you.

Here's the plan:

• Week 1: Get clear on your priorities and find every account you own (then actually label them)
• Week 2: Kill duplicate subscriptions and move idle cash into a high-yield savings account (currently paying around 3-4% for doing nothing)
• Week 3: Pull your full credit report, learn the debt snowball, and build a real payoff plan (we're not Dave Ramsey)
• Week 4: Audit your insurance (auto, life, disability, home) and get your estate documents in order

Plus how to "grow" once you free up cash, and permission to finally buy the watch (once the boring stuff is handled).

Chapters

• 00:00 Parenting and Summer Activities
• 05:09 Financial Reset and Budgeting
• 10:03 Reviewing Subscriptions and Bills
• 14:58 Debt Management and Credit Reports
• 15:50 Understanding Your Credit Score
• 16:29 Reviewing Your Credit Report
• 17:08 Managing Medical Debt
• 17:29 Improving Your Credit Score
• 18:20 Debt Snowballing
• 19:01 Debt Consolidation and Refinancing
• 22:25 Insurance and Protection
• 28:04 Estate Planning and Final Wishes
• 29:31 Financial Growth and Investment