M3 is the podcast that was created from everyday talk with young millennial that began earning more money than they knew what to do with.  Young professional not know the simple budgeting issues and wasteful spending for items that were trendy or temporary. This money management talk for young millennials, is what we wanted to do to talk about  how to make money management part of their everyday conversations

• Owning an Electric Car

   

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    Chaz wanted to go into more detail about owner an electric car now that I received my Tesla Model 3.  Owner a Volt for over a year we talk about the issues, the benefits, the flaws and the amazing feeling of being Gas less.  We delve into our own personal experience with driving and convenience of going with electricity.  

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• DEALING WITH SUBSCRIPTIONS AND LIVING A MUNDANE LIFE AS A MILLENNIAL

   

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    This week Chaz and I start off with what subscriptions you have and how do you start looking at the automatic payments that are not worth your time or cost. A little conversation with acquiring property foreclosure, tax liens and acquisitions and How to improve your position with your career even if its boring or mundane.

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• THE FATIGUE OF BEING AN ADULT AS A MILLENNIAL

   

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    Chaz and I semi look back at the year of doing adult things, being responsible and preparing for the future. Now that the holiday seasons upon us. The anxiety of not having fun and doing things other than being an adult has become frustrating. What can a single millennial do when stagnant life becomes boring. Also a short review of Black Friday and impulse buying.

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• CAREER CHOICES AS A YOUNG MILLENNIAL

   

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    On this episode of M3, Chaz and I are joined by William to discuss a growing option in the workplace. We start with 2 different paths in the same workplace but two different millennials. Then these same young professionals discuss being a contractor at a dysfunctional company and the lessons they learned in the corporate sector of management and professionalism.

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• Millennial Talk with Justin Fontenot (Cyber security)

   

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    Chaz and I welcome our special guest and Millennial Justin Fontenot.  A cyber security manager that came from humble beginnings to overcome those obstacles and began achieving his goals with a well structured plan to be successful.  Alicia joins us to add color and her perspective to the IT issues occurring now. An amazing story that will inspire many

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• CYBER SECURITY TALK WITH JUSTIN FONTENOT (CYBER SECURITY PROFESSIONAL AND MILLENNIAL)

   

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    Part two of with our special guest Justin Fontenot. We jump right into the current day issues with cyber security. We get the direct advise from a Cyber security professional that gives us insight on what companies are doing as well as our misconception of what the government is doing with cyber security currently.

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• Millennial Talk with Chaz Jenkins

   

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    On this episode, Chaz takes us down his path and obstacles to get to his point in his life currently. He takes us through the process and transition from employed to unemployed to being employed again. A great Segway to starting our series of millennials that went through different hardships during their younger years to get to a point in their life to make a decision about their future. Financial and academically.

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• Millennial Talk with Chaz Jenkins Part II

   

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    On our part two of our interview with Chaz, He goes into some of the procedures he went through to prepare, evaluate and execute his plans to move his career forward. Insightful suggestions and real life scenarios that people can relate to that will keep you ready for your next move to a new job or career.

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• Millennial Talk with Chaz Jenkins Part II

   

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    On our part two of our interview with Chaz, He goes into some of the procedures he went through to prepare, evaluate and execute his plans to move his career forward. Insightful suggestions and real life scenarios that people can relate to that will keep you ready for your next move to a new job or career.

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• Life insurance with Super Agent Jeremy Goodrich Part 1

   

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    This episode Chaz and I welcome a special guest to speak about the unsexy life of insurance. We were approached by a member of the welcome to the wall crew, and asked, what are good options for life insurance as a young millennial. Chaz and I reached out to super agent Jeremy Goodrich from Shine insurance to fill us in on the unsexiness of insurance and what we don't know and what we should know. We discuss options with Life insurance, investments and the little things we missed without talking to an expert.

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• Life insurance with Super Agent Jeremy Goodrich Part 2

   

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    On part two of our sit down with Insurance guru Jeremy Goodrich. We go a little abstract out side of life insurance and ask a few different insurance questions that effects us all. Jeremy shocks us on things that if you aren't really experienced insurance person you would be stumped.

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• Financial advice from Latoya Mixon

   

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    Chaz and I have a very informative conversation with a financial expert and Howard Alumni and give us a good perspective at finances and how African Americans have the ability to make good financial moves but fail to educate themselves or listen. Rachel joins us once again, but we have to get her own mic next time

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• Strip Clubs, Finances and the psychology of the young millennial

   

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    Tonight Chaz and I welcome some special guest to M3 to discuss the popular to some and controversial to others Strip Club entertainment. With the huge cost to some people frequenting these establishments, we wanted to sit down and talk to a couple with a different perspective.

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• M3 Holiday spending and holiday obligations

   

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    We end the year with how spending around this time is so stressful because of ignorance, obligations or just commitment. We kinda give some ideas when and why spending should be smart, strategic and needful. Also the dumb commitment of New Years resolutions. Is there a good way of following goals other than national holidays? We use our myth buster segement to relate to the Origins of New years resolutions from further back than most would imagine.

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• M3 recap (roommates)

   

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    This episode we touch on the roommate issue from the last episode and we get to discuss this weeks Myth busters. This weeks myths buster is all about healthy foods.

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• Smart phone purchase and adapting to technology changes

   

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    This week Chaz and I go over the struggle of conservative spending when buying a new smart phone while ensuring your security and privacy is intact. Chaz makes a choice with what phone he buys but he still seems like he is questioning being included into the Matrix.

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• Home budgeting with multiple roommates

   

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    This episode of M3 Chaz and I join another member from the "Welcome to the Wall" crew to discuss a smart and ambitious investment of owning a home together. We talk budgeting and how to separate cost within one household. Good talk for anyone entertaining roommates.

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• Smart Phone options and tech talk

   

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    This episode of M3, Chaz and I talk about the high cost of the two popular "Smart Phone" makers and why you should look at others based on price and breaking away from the status quo. We bring back our Myth busters and talk about our experience with tech and how it effects us.

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• 401K and other tips

   

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    This episode Chaz (welcome to the wall). talk about 401K info and what should a person look at when they are choosing a plan as well as when and how they should do it. We touch on roll over as well as IRA and ROTH IRA options when you lose or quit a job you have had a 401K established.
    We start off with a new segment we have haven't decided what to call it yet (that's bullshit, or unchallenged Myth's) talking about things people ask with out real answers to.

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• Investment Options for the Millennial

   

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    Tonight Chaz and I discuss investments people can look at as an alternative to savings accounts. We discuss stocks, mutual funds, money markets, CD's and just options other than sitting your money in an account that will only give you less than 0.5%. Some of the Welcome to the wall crew joins us to discuss financial options early in their life.

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• From the Hood to Middle Class redux

   

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    Today Chaz and I return to our financial series with revisiting plans we helped Jermey with on our last Financial episode. The major long term goals we had Jermeey addressing were A new bank account, a credit card and what would be his new living arrangement (purchase and renting). We get something totally unexpected but hold on to hope that our advice would not fall on deaf ears.

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• Healthy Eating while maintaining a budget

   

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    Today Chaz and I talk about the importance of healthy eating and working with a budget that would not kill your paycheck. We talk about bulk shopping (Sam's, Costco's, B.J's) and Organic buying with specialty markets (farmers markets, Whole Foods, Trader Joe's, Sprouts, Fresh Market). With the fast pace of millineals in this era. They need options in order to budget their paycheck, reduce the chance of getting sick and how do you add eating to your enjoyment.

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• Finances and the Black Women Hair

   

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    This episode of CarWaxx we talk to a few ladies on how their hair is part of there everyday life and who they are. But at the same time we talk about how ladies do what they have to do to balance that life and the personal decision on how they want their hair. We talk about natural hair, weaves, extensions, et cetera. Also what impact does their hair choices impact their financial situation and societys reception of women of color who wear their natural hair.
    Then, is there a market for women of color to capitalize on the huge billion dollar hair market, or is it something the corporate world and black society leaves in the hand of others? And does this have any effect on a woman self esteem? Big question!!

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• Coming from the hood and into the middle class (Changes)

   

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    On this Episode of our financial series, Chaz and I speak to Jeremy Jacobs a member from the group Welcome to the Wall . This young gentleman from humble beginnings has achieved a lot in his life thus far to do better and be better. His unique work experience and life experience lead us to add him into our discussion about handling your finances under different circumstances.
    Such as:
    - Travel for your job - Per diem
    - Building relationships - Vehicle, Uber, Public Transportation
    - Savings, investment - Banking
    A good discussion for young Millennials who work under different conditions

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• SETTING UP YOUR CRIB WITH BUDGETING IN MIND

   

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    This episode on financing and living, Chaz and I talk about how to hook up your place and not look cheap, but go with the essentials of day to day necessities. But at the same time, acquire a few comfort things for your guest and your time alone. We explore the Zen space and what it means for your space and for others. Chaz is Crazy :0

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• SHEA MOISTURE CONTROVERSY

   

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    This episode of CarrWaxx, we chime in on the new controversial commercial made by Shea Moisture. This company ran by a black man and made for black people has a new commercial highlighting two white women and a lighter skinned black woman complaining about something.
    Sean and Marsha contributes to the conversation with their opinion and thoughts of the reaction to people who wants to boycott and push back on the black CEO for a very bad decision.

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• Finances and Relationships

   

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    Welcome back to our continued series on Finances and the black community. my co-host is here with me Chaz Jenkins from Welcome to the wall podcast. Tonight we are stretching the topic with our special quest Teniqua Underwood aka Solestarr. Which is About finances and relationships. Likely to be a lively topic with interesting perspectives. So sit back and enjoy this session of Old CarrWaxx.

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• Rent or Buy (is there a real choice)

   

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    Todays session on our Black folks and finance series. Chaz and I talk about the options that we have when it comes to investing in a home or investing before you get a job. The pros and cons of renting and buying a home. Some times its an option other times its a choice. We discuss the opinions of economist and financial experts who sees that rushing out to buy a home isn't always the first choice. But, what do you think?

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• Car Buying Experience

   

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    Today,as part of our black folks and our finances. Chaz and I talk about his Car buying journey and the things people should do to prepare and look for when buying a car. We touch multiple topics like what kind of car, financing, insurance and the art of negotiation when it comes to getting what you want. A little different perspective for a couple of black guys but, if you don't look to the future. You will remain in the past (technology)

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• Financial Disfunction in the Black community

   

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    This week we have a special guest, Chaz Jenkins the founder of "Welcometothewall.com" Podcast/Blog. We talk generational finance and savings and what can we do as a community to be come better. Through our short and long life experiences, we share our experiences on issues we feel we can address as individuals. With our difference in age and slightly different environments, we ask each other some of the hard questions and observations we have experienced. We begin our money and financial education series on how we can speak to our communities and social circle to start a dialogue for improvement

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