Big news just dropped from the Federal Reserve—and it has real implications for your money. In this timely episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella break down the announcement of a new Federal Reserve Chair, Kevin Warsh, and explain what this leadership change could mean for interest rates, mortgages, savings accounts, and the broader economy .

Rather than reacting to headlines or political noise, this episode focuses on how the Fed actually works, why independence matters, and how Fed decisions show up in your everyday financial life.

In this episode, we cover:

• Who the Federal Reserve is and what its two core mandates are

• What a new Fed Chair means (and what it doesn’t)

• The difference between Fed rate cuts and mortgage rates

• Why savings accounts and credit cards react faster than mortgages

• Quantitative easing explained in plain English

• Dovish vs. hawkish policy and why it matters

• The tension between inflation and unemployment

• Why groceries feel more expensive even when inflation is “down”

• How political volatility impacts markets and lending behavior

• What millennials should actually pay attention to over the next 6–12 months

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If you’ve ever felt like Fed news is “above your head,” this episode breaks it down in a way that helps you make smarter decisions about borrowing, saving, and investing.

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

Hosted on Ausha. See ausha.co/privacy-policy for more information.

It’s a new year—and with it comes new financial trends, cultural shifts, and economic uncertainty. In this episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella kick off the year by breaking down what 2026 could look like for millennials, from housing and investing to spending habits and lifestyle changes .

This episode blends economic analysis with millennial culture, exploring why nostalgia is back, why stability is becoming more valuable than hustle culture, and how chaos in the world is shaping financial behavior.

In this episode, we discuss:

• Why nostalgia and “comfort trends” are making a comeback

• The return of early-2000s culture and what it says about today’s economy

• Housing market realities: inventory shortages, rates, and buyer expectations

• Why a housing crash is unlikely despite online predictions

• Government policy changes and how they affect mortgage rates

• Why lower rates could actually push home prices higher

• The divide between the top 20% and bottom 80% of the economy

• Inflation fatigue, rising everyday costs, and the search for stability

• Why millennials are shifting away from risky financial hacks

• How to think about savings, investing, and diversification in uncertain times

Rather than chasing predictions or panic headlines, this episode focuses on how millennials can adapt, plan, and make smarter financial decisions in a rapidly changing world.

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

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Selling a home isn’t as simple as “throwing it on the market and seeing what happens.” In this episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella are joined by Adam Clemens, broker-owner of Century 21 Clemens Group with nearly 25 years of experience, to break down what actually matters when selling your home in today’s market .

We dive into the biggest misconceptions sellers have and the behind-the-scenes strategy that separates smooth closings from deals that fall apart.

In this episode, we cover:

• The number one mistake sellers make: overpricing and “testing the market”

• Why the first 7–10 days on market are critical

• How buyers really evaluate price vs. terms vs. conditions

• Why for-sale-by-owner transactions often go wrong

• How emotions and pride can sabotage negotiations

• What sellers need to know about inspections, deposits, and contingencies

• Why not all offers are equal—even if the price is higher

• The importance of experienced agents, lenders, and relationships

• How staging, photography, and timing impact final sale price

• Common contract pitfalls that can cost sellers money

Whether you’re planning to sell soon or just want to understand how the process really works, this episode gives you a real-world, no-nonsense look at selling a home—without the hype.

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

Hosted on Ausha. See ausha.co/privacy-policy for more information.