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    <title>52 Pearls: Weekly Money Wisdom</title>
    <link>http://pearlplan.com</link>
    <link rel="self" href="https://feeds.blubrry.com/feeds/weeklymoneywisdom.xml" xmlns="http://www.w3.org/2005/Atom">http://pearlplan.com</link>
    <description>Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Pearl Planning is not a broker/dealer and is independent of Raymond James Financial Services. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Content represents the opinions of the speaker and not necessarily those of Raymond James. http://raymondjames.com/smicd.htm</description>
    <itunes:type>episodic</itunes:type>
    <itunes:subtitle>52 Pearls: Weekly Money Wisdom hosted by Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:subtitle>
    <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
    <itunes:summary>Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Pearl Planning is not a broker/dealer and is independent of Raymond James Financial Services. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Content represents the opinions of the speaker and not necessarily those of Raymond James. http://raymondjames.com/smicd.htm</itunes:summary>
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    <copyright>Copyright 2020 52 Pearls: Weekly Money Wisdom</copyright>
    <managingEditor>podcast@blubrry.com (Blubrry Podcasting)</managingEditor>
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      <itunes:name>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:name>
      <itunes:email>podcast@blubrry.com</itunes:email>
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    <item>
      <title>Episode 14: Financial Perspective During Coronavirus with Dan Boyce</title>
      <link>https://anchor.fm/52pearls/episodes/Episode-14-Financial-Perspective-During-Coronavirus-with-Dan-Boyce-eeb1v7</link>
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      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Tue, 09 Jun 2020 06:59:00 -0400</pubDate>
      <description>
Melissa Joy, CFP® is joined by retired financial Advisor and long-time mentor, Dan Boyce to discuss investor lessons from past recessions. With over 35 years of industry experience, Dan has many words of wisdom for investors trying to navigate the uncharted markets of COVID-19. 


In this episode we will discuss


- Have a plan and stick to it


- Where will income come from in retirement


- Don’t try to predict the market


- Fear vs. Greed


Raymond James is not affiliated with Dan Boyce. All investing involves risk, including the possible loss of principal amount invested. No investment strategy can guarantee your objectives will be met. The indexes mentioned are unmanaged and cannot be invested into directly. Past performance is no guarantee of future results. This material is being provided for informational purposes only and is not a complete description, nor is it a recommendation. There is no guarantee that these statements, opinions or forecasts provided herein will prove to be correct. Prior to making an investment decision, please consult with your financial advisor about your individual situation.
</description>
      <content:encoded><![CDATA[<div data-offset-key="ecc8m-0-0" data-editor="55gqp" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ecc8m-0-0"><span data-offset-key="ecc8m-0-0">Melissa Joy, CFP® is joined by retired financial Advisor and long-time mentor, Dan Boyce to discuss investor lessons from past recessions. With over 35 years of industry experience, Dan has many words of wisdom for investors trying to navigate the uncharted markets of COVID-19. </span></div>
</div>
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<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="5alth-0-0"><span data-offset-key="5alth-0-0">In this episode we will discuss</span></div>
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<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="75ss3-0-0"><span data-offset-key="75ss3-0-0">- Have a plan and stick to it</span></div>
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<div data-offset-key="16vc-0-0" data-editor="55gqp" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="16vc-0-0"><span data-offset-key="16vc-0-0">- Where will income come from in retirement</span></div>
</div>
<div data-offset-key="eevt5-0-0" data-editor="55gqp" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="eevt5-0-0"><span data-offset-key="eevt5-0-0">- Don’t try to predict the market</span></div>
</div>
<div data-offset-key="csmr-0-0" data-editor="55gqp" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="csmr-0-0"><span data-offset-key="csmr-0-0">- Fear vs. Greed</span></div>
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<div data-offset-key="fdoss-0-0" data-editor="55gqp" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="fdoss-0-0"><span data-offset-key="fdoss-0-0">Raymond James is not affiliated with Dan Boyce. All investing involves risk, including the possible loss of principal amount invested. No investment strategy can guarantee your objectives will be met. The indexes mentioned are unmanaged and cannot be invested into directly. Past performance is no guarantee of future results. This material is being provided for informational purposes only and is not a complete description, nor is it a recommendation. There is no guarantee that these statements, opinions or forecasts provided herein will prove to be correct. Prior to making an investment decision, please consult with your financial advisor about your individual situation.</span></div>
</div>]]></content:encoded>
      <enclosure url="https://anchor.fm/s/1214e670/podcast/play/14042535/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2020-06-09%2Ff67009f5d3628239185031f94b6a7bec.m4a" length="29233117" type="audio/x-m4a" />
      <itunes:duration>0:30:07</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle> Melissa Joy, CFP® is joined by retired financial Advisor and long-time mentor, Dan Boyce to discuss investor lessons from past recessions. With over 35 years of industry experience, Dan has many words of wisdom for investors trying to navigate the u...</itunes:subtitle>
      <itunes:summary>
Melissa Joy, CFP® is joined by retired financial Advisor and long-time mentor, Dan Boyce to discuss investor lessons from past recessions. With over 35 years of industry experience, Dan has many words of wisdom for investors trying to navigate the uncharted markets of COVID-19. 


In this episode we will discuss


- Have a plan and stick to it


- Where will income come from in retirement


- Don’t try to predict the market


- Fear vs. Greed


Raymond James is not affiliated with Dan Boyce. All investing involves risk, including the possible loss of principal amount invested. No investment strategy can guarantee your objectives will be met. The indexes mentioned are unmanaged and cannot be invested into directly. Past performance is no guarantee of future results. This material is being provided for informational purposes only and is not a complete description, nor is it a recommendation. There is no guarantee that these statements, opinions or forecasts provided herein will prove to be correct. Prior to making an investment decision, please consult with your financial advisor about your individual situation.
</itunes:summary>
      <itunes:season>1</itunes:season>
      <itunes:episode>14</itunes:episode>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_nologo/2933596/2933596-1583526861769-56a467674a8a9.jpg</itunes:image>
    </item>
    <item>
      <title>Episode 13: Mortgage Decisions During Divorce with Erica Powers</title>
      <link>https://anchor.fm/52pearls/episodes/Episode-13-Mortgage-Decisions-During-Divorce-with-Erica-Powers-ee3o26</link>
      <guid>http://www.blubrry.com/weeklymoneywisdom/62096698/episode-13-mortgage-decisions-during-divorce-with-erica-powers/</guid>
      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Fri, 29 May 2020 14:34:00 -0400</pubDate>
      <description>
Mortgage Decisions During Divorce with Erica Powers


&lt;a href=&quot;https://anchor.fm/dashboard/episode/ee3o26/metadata/www.pearlplan.com&quot;&gt;Melissa Joy&lt;/a&gt; is joined by &lt;a href=&quot;https://www.levelonebank.com/Personal/Mortgage-Lending/Our-Mortgage-Team/erica-powers&quot;&gt;Erica Powers&lt;/a&gt; to talk about mortgage decisions during divorce. Erica is a licensed mortgage banker with NMLS #739673 at &lt;a href=&quot;https://www.levelonebank.com/&quot;&gt;Level One Bank&lt;/a&gt; member FDIC and an Equal Housing Lender, with locations in  southeast Michigan including Ann Arbor and Detroit. She works with clients around the country.


We discuss:


· How do you make a payment fit into your budget when going through a transition or change?


· The value of a relational mortgage banker.


· Why it’s important to establish 6 months of demonstrable income or cash flow for employment, spousal support, etc.


Resources:


· A budget &lt;a href=&quot;https://anchor.fm/dashboard/episode/ee3o26/metadata/www.pearlplan.com&quot;&gt;worksheet&lt;/a&gt; during divorce from Pearl Planning


· Get in touch with Erica Powers on &lt;a href=&quot;https://www.linkedin.com/in/erica-powers/&quot;&gt;LinkedIn&lt;/a&gt; or Facebook


Raymond James is not affiliated with and does not endorse the opinions or services of Erica Powers Level One Bank. Raymond James Financial Services, Inc. does not provide advice on mortgages. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.
</description>
      <content:encoded><![CDATA[<div data-offset-key="d07h2-0-0" data-editor="crhjc" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="d07h2-0-0"><span data-offset-key="d07h2-0-0">Mortgage Decisions During Divorce with Erica Powers</span></div>
</div>
<div data-offset-key="clobn-0-0" data-editor="crhjc" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="clobn-0-0"><a href="https://anchor.fm/dashboard/episode/ee3o26/metadata/www.pearlplan.com">Melissa Joy</a><span data-offset-key="clobn-1-0"> is joined by </span><a href="https://www.levelonebank.com/Personal/Mortgage-Lending/Our-Mortgage-Team/erica-powers">Erica Powers</a><span data-offset-key="clobn-3-0"> to talk about mortgage decisions during divorce. Erica is a licensed mortgage banker with NMLS #739673 at </span><a href="https://www.levelonebank.com/">Level One Bank</a><span data-offset-key="clobn-5-0"> </span><span data-offset-key="clobn-5-1">member FDIC and an Equal Housing Lender, with locations in  southeast Michigan including Ann Arbor and Detroit. She works with clients around the country.</span></div>
</div>
<div data-offset-key="sn30-0-0" data-editor="crhjc" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="sn30-0-0"><span data-offset-key="sn30-0-0">We discuss:</span></div>
</div>
<div data-offset-key="5m0rr-0-0" data-editor="crhjc" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="5m0rr-0-0"><span data-offset-key="5m0rr-0-0">· How do you make a payment fit into your budget when going through a transition or change?</span></div>
</div>
<div data-offset-key="ctii3-0-0" data-editor="crhjc" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ctii3-0-0"><span data-offset-key="ctii3-0-0">· The value of a relational mortgage banker.</span></div>
</div>
<div data-offset-key="7ln9h-0-0" data-editor="crhjc" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7ln9h-0-0"><span data-offset-key="7ln9h-0-0">· Why it’s important to establish 6 months of demonstrable income or cash flow for employment, spousal support, etc.</span></div>
</div>
<div data-offset-key="9ukc0-0-0" data-editor="crhjc" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9ukc0-0-0"><span data-offset-key="9ukc0-0-0">Resources:</span></div>
</div>
<div data-offset-key="a7042-0-0" data-editor="crhjc" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="a7042-0-0"><span data-offset-key="a7042-0-0">· A budget </span><a href="https://anchor.fm/dashboard/episode/ee3o26/metadata/www.pearlplan.com">worksheet</a><span data-offset-key="a7042-2-0"> during divorce from Pearl Planning</span></div>
</div>
<div data-offset-key="a3i63-0-0" data-editor="crhjc" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="a3i63-0-0"><span data-offset-key="a3i63-0-0">· Get in touch with Erica Powers on </span><a href="https://www.linkedin.com/in/erica-powers/">LinkedIn</a><span data-offset-key="a3i63-2-0"> or Facebook</span></div>
</div>
<div data-offset-key="27d8-0-0" data-editor="crhjc" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="27d8-0-0"><span data-offset-key="27d8-0-0">Raymond James is not affiliated with and does not endorse the opinions or services of Erica Powers Level One Bank. Raymond James Financial Services, Inc. does not provide advice on mortgages. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.</span></div>
</div>]]></content:encoded>
      <enclosure url="https://anchor.fm/s/1214e670/podcast/play/13803014/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2020-05-29%2F66300c5c69b26ef665158a7fabd25e4d.m4a" length="17017727" type="audio/x-m4a" />
      <itunes:duration>0:17:32</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle> </itunes:subtitle>
      <itunes:summary>
</itunes:summary>
      <itunes:season>1</itunes:season>
      <itunes:episode>13</itunes:episode>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_episode/2933596/2933596-1590078574844-cf7b18c4ba825.jpg</itunes:image>
    </item>
    <item>
      <title>Episode 12: College Decisions During COVID-19 with Amy McVeigh</title>
      <link>https://anchor.fm/52pearls/episodes/Episode-12-College-Decisions-During-COVID-19-with-Amy-McVeigh-ee3iut</link>
      <guid>http://www.blubrry.com/weeklymoneywisdom/62096697/episode-12-college-decisions-during-covid-19-with-amy-mcveigh/</guid>
      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Tue, 26 May 2020 11:14:00 -0400</pubDate>
      <description>
 In this 52 Pearls Weekly Money Wisdom podcast episode Melissa Joy talks with &lt;a href=&quot;https://smartcollegeselection.com/process&quot;&gt;college selection consultant Amy McVeigh&lt;/a&gt;, founder of &lt;a href=&quot;https://smartcollegeselection.com/&quot;&gt;Smart College Selection&lt;/a&gt;.


We’re discussing:


· How college consultants help students and families set expectations, narrow down their college decisions, and make the right selection for college.


· Options for kicking off college decisions for families of rising seniors including adjustments for testing and how to do a virtual campus tour.


· How Amy uses student-directed research to narrow down a college list.


· Journaling for future college students including a great prompt: write a letter to your pre-covid self about this time.


· How a family’s financial commitment may be changing now and how the student plays a role in financial conversations.


Resources that can help you:


Smart College Selection FAQ including coronavirus resources: &lt;a href=&quot;https://urldefense.proofpoint.com/v2/url?u=https-3A__smartcollegeselection.com_faqs-2D2&amp;amp;d=DwMFaQ&amp;amp;c=dqndFQAGz2cg7ln6ll1EqkpBLZllP_GH8-2iqGbTww0&amp;amp;r=FVLduLXCo7z8-R9cFc9jx0B_7vbaIAh6e3pbB8UOaIg&amp;amp;m=6lYoAfYau_an58CuE3FDPsHhO4LVP6JGaHRpWd1-bJM&amp;amp;s=FFk8yKZdhgIU66LXnOC7UJeLBRXodsOBtosXsIEqPpk&amp;amp;e=&quot;&gt;https://smartcollegeselection.com/faqs-2&lt;/a&gt;


Virtual college tours at YouVisit (&lt;a href=&quot;https://urldefense.proofpoint.com/v2/url?u=https-3A__www.youvisit.com_collegesearch_&amp;amp;d=DwMFaQ&amp;amp;c=dqndFQAGz2cg7ln6ll1EqkpBLZllP_GH8-2iqGbTww0&amp;amp;r=FVLduLXCo7z8-R9cFc9jx0B_7vbaIAh6e3pbB8UOaIg&amp;amp;m=6lYoAfYau_an58CuE3FDPsHhO4LVP6JGaHRpWd1-bJM&amp;amp;s=xN_UyLMcaxIHX89yDnaiXTh3PwlMTJdY6vHM9pkJgZI&amp;amp;e=&quot;&gt;https://www.youvisit.com/collegesearch/&lt;/a&gt;) or Campus Reel (&lt;a href=&quot;https://urldefense.proofpoint.com/v2/url?u=https-3A__www.campusreel.org_&amp;amp;d=DwMFaQ&amp;amp;c=dqndFQAGz2cg7ln6ll1EqkpBLZllP_GH8-2iqGbTww0&amp;amp;r=FVLduLXCo7z8-R9cFc9jx0B_7vbaIAh6e3pbB8UOaIg&amp;amp;m=6lYoAfYau_an58CuE3FDPsHhO4LVP6JGaHRpWd1-bJM&amp;amp;s=jSyUFRYbvww6mU6NFpnpqQ3_Vkf5a_SP6RRWyx3JNnA&amp;amp;e=&quot;&gt;https://www.campusreel.org/&lt;/a&gt;)


Locate a reputable consultant with the Higher Educational Consultants Association (&lt;a href=&quot;https://urldefense.proofpoint.com/v2/url?u=https-3A__hecaonline.org_&amp;amp;d=DwMFaQ&amp;amp;c=dqndFQAGz2cg7ln6ll1EqkpBLZllP_GH8-2iqGbTww0&amp;amp;r=FVLduLXCo7z8-R9cFc9jx0B_7vbaIAh6e3pbB8UOaIg&amp;amp;m=6lYoAfYau_an58CuE3FDPsHhO4LVP6JGaHRpWd1-bJM&amp;amp;s=cUVaF1NUofSvPvqEvi4B1J5InxKgVatadMxjJBMqOww&amp;amp;e=&quot;&gt;https://hecaonline.org/&lt;/a&gt;) or Independent Educational Consultants Association (&lt;a href=&quot;https://urldefense.proofpoint.com/v2/url?u=https-3A__www.iecaonline.com_&amp;amp;d=DwMFaQ&amp;amp;c=dqndFQAGz2cg7ln6ll1EqkpBLZllP_GH8-2iqGbTww0&amp;amp;r=FVLduLXCo7z8-R9cFc9jx0B_7vbaIAh6e3pbB8UOaIg&amp;amp;m=6lYoAfYau_an58CuE3FDPsHhO4LVP6JGaHRpWd1-bJM&amp;amp;s=MgdLE2PtenDSKrjgUAnIQrt_AdqWMhCx2oTupsXtK_A&amp;amp;e=&quot;&gt;https://www.iecaonline.com/&lt;/a&gt;)
</description>
      <content:encoded><![CDATA[<div data-offset-key="bdi17-0-0" data-editor="6m1b7" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="bdi17-0-0"><span data-offset-key="bdi17-0-0"> In this 52 Pearls Weekly Money Wisdom podcast episode Melissa Joy talks with </span><a href="https://smartcollegeselection.com/process">college selection consultant Amy McVeigh</a><span data-offset-key="bdi17-2-0">, founder of </span><a href="https://smartcollegeselection.com/">Smart College Selection</a><span data-offset-key="bdi17-4-0">.</span></div>
</div>
<div data-offset-key="80v2a-0-0" data-editor="6m1b7" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="80v2a-0-0"><span data-offset-key="80v2a-0-0">We’re discussing:</span></div>
</div>
<div data-offset-key="4k6qs-0-0" data-editor="6m1b7" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="4k6qs-0-0"><span data-offset-key="4k6qs-0-0">· How college consultants help students and families set expectations, narrow down their college decisions, and make the right selection for college.</span></div>
</div>
<div data-offset-key="21q3j-0-0" data-editor="6m1b7" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="21q3j-0-0"><span data-offset-key="21q3j-0-0">· Options for kicking off college decisions for families of rising seniors including adjustments for testing and how to do a virtual campus tour.</span></div>
</div>
<div data-offset-key="a68h9-0-0" data-editor="6m1b7" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="a68h9-0-0"><span data-offset-key="a68h9-0-0">· How Amy uses student-directed research to narrow down a college list.</span></div>
</div>
<div data-offset-key="ffqf-0-0" data-editor="6m1b7" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ffqf-0-0"><span data-offset-key="ffqf-0-0">· Journaling for future college students including a great prompt: write a letter to your pre-covid self about this time.</span></div>
</div>
<div data-offset-key="1ug4f-0-0" data-editor="6m1b7" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1ug4f-0-0"><span data-offset-key="1ug4f-0-0">· How a family’s financial commitment may be changing now and how the student plays a role in financial conversations.</span></div>
</div>
<div data-offset-key="91glj-0-0" data-editor="6m1b7" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="91glj-0-0"><span data-offset-key="91glj-0-0">Resources that can help you:</span></div>
</div>
<div data-offset-key="7ock9-0-0" data-editor="6m1b7" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7ock9-0-0"><span data-offset-key="7ock9-0-0">Smart College Selection FAQ including coronavirus resources: </span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__smartcollegeselection.com_faqs-2D2&amp;d=DwMFaQ&amp;c=dqndFQAGz2cg7ln6ll1EqkpBLZllP_GH8-2iqGbTww0&amp;r=FVLduLXCo7z8-R9cFc9jx0B_7vbaIAh6e3pbB8UOaIg&amp;m=6lYoAfYau_an58CuE3FDPsHhO4LVP6JGaHRpWd1-bJM&amp;s=FFk8yKZdhgIU66LXnOC7UJeLBRXodsOBtosXsIEqPpk&amp;e=">https://smartcollegeselection.com/faqs-2</a></div>
</div>
<div data-offset-key="8bu5k-0-0" data-editor="6m1b7" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8bu5k-0-0"><span data-offset-key="8bu5k-0-0">Virtual college tours at YouVisit (</span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__www.youvisit.com_collegesearch_&amp;d=DwMFaQ&amp;c=dqndFQAGz2cg7ln6ll1EqkpBLZllP_GH8-2iqGbTww0&amp;r=FVLduLXCo7z8-R9cFc9jx0B_7vbaIAh6e3pbB8UOaIg&amp;m=6lYoAfYau_an58CuE3FDPsHhO4LVP6JGaHRpWd1-bJM&amp;s=xN_UyLMcaxIHX89yDnaiXTh3PwlMTJdY6vHM9pkJgZI&amp;e=">https://www.youvisit.com/collegesearch/</a><span data-offset-key="8bu5k-2-0">) or Campus Reel (</span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__www.campusreel.org_&amp;d=DwMFaQ&amp;c=dqndFQAGz2cg7ln6ll1EqkpBLZllP_GH8-2iqGbTww0&amp;r=FVLduLXCo7z8-R9cFc9jx0B_7vbaIAh6e3pbB8UOaIg&amp;m=6lYoAfYau_an58CuE3FDPsHhO4LVP6JGaHRpWd1-bJM&amp;s=jSyUFRYbvww6mU6NFpnpqQ3_Vkf5a_SP6RRWyx3JNnA&amp;e=">https://www.campusreel.org/</a><span data-offset-key="8bu5k-4-0">)</span></div>
</div>
<div data-offset-key="7kol1-0-0" data-editor="6m1b7" data-block="true" class="DK2WGA7X3rKos2v1AABBD _20x9t-BL2SDh7lOGEew66E">
<div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7kol1-0-0"><span data-offset-key="7kol1-0-0">Locate a reputable consultant with the Higher Educational Consultants Association (</span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__hecaonline.org_&amp;d=DwMFaQ&amp;c=dqndFQAGz2cg7ln6ll1EqkpBLZllP_GH8-2iqGbTww0&amp;r=FVLduLXCo7z8-R9cFc9jx0B_7vbaIAh6e3pbB8UOaIg&amp;m=6lYoAfYau_an58CuE3FDPsHhO4LVP6JGaHRpWd1-bJM&amp;s=cUVaF1NUofSvPvqEvi4B1J5InxKgVatadMxjJBMqOww&amp;e=">https://hecaonline.org/</a><span data-offset-key="7kol1-2-0">) or Independent Educational Consultants Association (</span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__www.iecaonline.com_&amp;d=DwMFaQ&amp;c=dqndFQAGz2cg7ln6ll1EqkpBLZllP_GH8-2iqGbTww0&amp;r=FVLduLXCo7z8-R9cFc9jx0B_7vbaIAh6e3pbB8UOaIg&amp;m=6lYoAfYau_an58CuE3FDPsHhO4LVP6JGaHRpWd1-bJM&amp;s=MgdLE2PtenDSKrjgUAnIQrt_AdqWMhCx2oTupsXtK_A&amp;e=">https://www.iecaonline.com/</a><span data-offset-key="7kol1-4-0">)</span></div>
</div>]]></content:encoded>
      <enclosure url="https://anchor.fm/s/1214e670/podcast/play/13797789/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2020-05-26%2Faf2e0682574a77bd4badfe4a09222ea6.m4a" length="40005326" type="audio/x-m4a" />
      <itunes:duration>0:41:13</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle>  In this 52 Pearls Weekly Money Wisdom podcast episode Melissa Joy talks with college selection consultant Amy McVeigh, founder of Smart College Selection. -  We’re discussing: -  · How college consultants help students and families set expect...</itunes:subtitle>
      <itunes:summary>
 In this 52 Pearls Weekly Money Wisdom podcast episode Melissa Joy talks with college selection consultant Amy McVeigh (https://smartcollegeselection.com/process), founder of Smart College Selection (https://smartcollegeselection.com/).


We’re discussing:


· How college consultants help students and families set expectations, narrow down their college decisions, and make the right selection for college.


· Options for kicking off college decisions for families of rising seniors including adjustments for testing and how to do a virtual campus tour.


· How Amy uses student-directed research to narrow down a college list.


· Journaling for future college students including a great prompt: write a letter to your pre-covid self about this time.


· How a family’s financial commitment may be changing now and how the student plays a role in financial conversations.


Resources that can help you:


Smart College Selection FAQ including coronavirus resources: https://smartcollegeselection.com/faqs-2 (https://urldefense.proofpoint.com/v2/url?u=https-3A__smartcollegeselection.com_faqs-2D2&amp;d=DwMFaQ&amp;c=dqndFQAGz2cg7ln6ll1EqkpBLZllP_GH8-2iqGbTww0&amp;r=FVLduLXCo7z8-R9cFc9jx0B_7vbaIAh6e3pbB8UOaIg&amp;m=6lYoAfYau_an58CuE3FDPsHhO4LVP6JGaHRpWd1-bJM&amp;s=FFk8yKZdhgIU66LXnOC7UJeLBRXodsOBtosXsIEqPpk&amp;e=)

</itunes:summary>
      <itunes:season>1</itunes:season>
      <itunes:episode>12</itunes:episode>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_episode/2933596/2933596-1589557673575-94de74d93df23.jpg</itunes:image>
    </item>
    <item>
      <title>Episode 11: All about Medicare issues during COVID-19</title>
      <link>https://anchor.fm/52pearls/episodes/Episode-11-All-about-Medicare-issues-during-COVID-19-ee3ode</link>
      <guid>http://www.blubrry.com/weeklymoneywisdom/62096696/episode-11-all-about-medicare-issues-during-covid-19/</guid>
      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Fri, 22 May 2020 13:55:03 -0400</pubDate>
      <description>Today’s episode is all about Medicare issues during COVID-19. Melissa Joy is joined by Medicare expert Cameron Giardini from Giardini Medicare.
We cover:
· How to enroll in Medicare while offices may be closed. It turns out it depends on the rules of y</description>
      <content:encoded><![CDATA[Today’s episode is all about Medicare issues during COVID-19. Melissa Joy is joined by Medicare expert Cameron Giardini from Giardini Medicare.
We cover:
· How to enroll in Medicare while offices may be closed. It turns out it depends on the rules of y]]></content:encoded>
      <enclosure url="https://anchor.fm/s/1214e670/podcast/play/13803374/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2020-05-22%2F4641e298c11a0bb852e515b2e9c64c5d.m4a" length="20283654" type="audio/x-m4a" />
      <itunes:duration>0:20:54</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle>Today’s episode is all about Medicare issues during COVID-19. Melissa Joy is joined by Medicare expert Cameron Giardini from Giardini Medicare. We cover: · How to enroll in Medicare while offices may be closed. It turns out it depends on the rules of y</itunes:subtitle>
      <itunes:summary>Today’s episode is all about Medicare issues during COVID-19. Melissa Joy is joined by Medicare expert Cameron Giardini from Giardini Medicare.
We cover:
· How to enroll in Medicare while offices may be closed. It turns out it depends on the rules of y</itunes:summary>
      <itunes:season>1</itunes:season>
      <itunes:episode>11</itunes:episode>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_episode/2933596/2933596-1590079228685-b64a2031a7de3.jpg</itunes:image>
    </item>
    <item>
      <title>Episode 10: Using Gratitude for an Abundant Money Mindset During Covid-19 with Dawn Starks</title>
      <link>https://anchor.fm/52pearls/episodes/Episode-10-Using-Gratitude-for-an-Abundant-Money-Mindset-During-Covid-19-with-Dawn-Starks-edtjon</link>
      <guid>http://www.blubrry.com/weeklymoneywisdom/62096695/episode-10-using-gratitude-for-an-abundant-money-mindset-during-covid-19-with-dawn-starks/</guid>
      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Fri, 15 May 2020 07:53:58 -0400</pubDate>
      <description>Today Dawn Starks, CFP® is joining Melissa Joy to discuss abundance mentality in the age of Covid-19. Dawn is the author of a new book, Simplify Your Financial Life, and founder of Simple Money. Today we’re talking about:
· What does abundance mean fo</description>
      <content:encoded><![CDATA[Today Dawn Starks, CFP® is joining Melissa Joy to discuss abundance mentality in the age of Covid-19. Dawn is the author of a new book, Simplify Your Financial Life, and founder of Simple Money. Today we’re talking about:
· What does abundance mean fo]]></content:encoded>
      <enclosure url="https://anchor.fm/s/1214e670/podcast/play/13602007/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2020-05-15%2F8e6393a1d921d57cd49ce3bffe910f7b.m4a" length="29705076" type="audio/x-m4a" />
      <itunes:duration>0:30:36</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle>Today Dawn Starks, CFP® is joining Melissa Joy to discuss abundance mentality in the age of Covid-19. Dawn is the author of a new book, Simplify Your Financial Life, and founder of Simple Money. Today we’re talking about: · What does abundance mean fo</itunes:subtitle>
      <itunes:summary>Today Dawn Starks, CFP® is joining Melissa Joy to discuss abundance mentality in the age of Covid-19. Dawn is the author of a new book, Simplify Your Financial Life, and founder of Simple Money. Today we’re talking about:
· What does abundance mean fo</itunes:summary>
      <itunes:season>1</itunes:season>
      <itunes:episode>10</itunes:episode>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_episode/2933596/2933596-1589315409768-7688d4dce0d56.jpg</itunes:image>
    </item>
    <item>
      <title>Episode 9: What do I do with my 401K?</title>
      <link>https://anchor.fm/52pearls/episodes/Episode-9-What-do-I-do-with-my-401K-edae88</link>
      <guid>http://www.blubrry.com/weeklymoneywisdom/62096694/episode-9-what-do-i-do-with-my-401k/</guid>
      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Fri, 08 May 2020 13:23:57 -0400</pubDate>
      <description>Welcome to the 52 Pearls Weekly Money Wisdom Podcast hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan. Each week we post</description>
      <content:encoded><![CDATA[Welcome to the 52 Pearls Weekly Money Wisdom Podcast hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan. Each week we post]]></content:encoded>
      <enclosure url="https://anchor.fm/s/1214e670/podcast/play/12973768/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2020-05-08%2F474a0946cc2913001affc54aff005315.m4a" length="14362012" type="audio/x-m4a" />
      <itunes:duration>0:14:47</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle>Welcome to the 52 Pearls Weekly Money Wisdom Podcast hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan. Each week we post</itunes:subtitle>
      <itunes:summary>Welcome to the 52 Pearls Weekly Money Wisdom Podcast hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe Farms, Michigan. Each week we post</itunes:summary>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_nologo/2933596/2933596-1583526861769-56a467674a8a9.jpg</itunes:image>
    </item>
    <item>
      <title>Episode 8: Retirement Investing in Bear Markets with Ashby Daniels</title>
      <link>https://anchor.fm/52pearls/episodes/Episode-8-Retirement-Investing-in-Bear-Markets-with-Ashby-Daniels-ecu10j</link>
      <guid>http://www.blubrry.com/weeklymoneywisdom/62096693/episode-8-retirement-investing-in-bear-markets-with-ashby-daniels/</guid>
      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Mon, 04 May 2020 10:19:02 -0400</pubDate>
      <description>Melissa Joy CFP® is joined by Ashby Daniels, CFP®. &amp;nbsp;Ashby is a financial advisor in Pittsburgh with Shorebridge Wealth Management. He focuses on working with people near and in retirement. Ashby and Melissa discuss: Ashby’s recent blog “4 Stage</description>
      <content:encoded><![CDATA[Melissa Joy CFP® is joined by Ashby Daniels, CFP®. &nbsp;Ashby is a financial advisor in Pittsburgh with Shorebridge Wealth Management. He focuses on working with people near and in retirement. Ashby and Melissa discuss: Ashby’s recent blog “4 Stage]]></content:encoded>
      <enclosure url="https://anchor.fm/s/1214e670/podcast/play/12566995/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2020-05-04%2Fd2f45f36b2fa44b934b9dddbc2b721ca.m4a" length="23795946" type="audio/x-m4a" />
      <itunes:duration>0:24:31</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle>Melissa Joy CFP® is joined by Ashby Daniels, CFP®.  Ashby is a financial advisor in Pittsburgh with Shorebridge Wealth Management. He focuses on working with people near and in retirement. Ashby and Melissa discuss: Ashby’s recent blog “4 Stage</itunes:subtitle>
      <itunes:summary>Melissa Joy CFP® is joined by Ashby Daniels, CFP®.  Ashby is a financial advisor in Pittsburgh with Shorebridge Wealth Management. He focuses on working with people near and in retirement. Ashby and Melissa discuss: Ashby’s recent blog “4 Stage</itunes:summary>
      <itunes:season>1</itunes:season>
      <itunes:episode>8</itunes:episode>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_episode/2933596/2933596-1587164632645-f5743f05ec85b.jpg</itunes:image>
    </item>
    <item>
      <title>EPISODE 7:Understanding Bankruptcy with Charissa Potts</title>
      <link>https://anchor.fm/52pearls/episodes/EPISODE-7Understanding-Bankruptcy-with-Charissa-Potts-ed11fm</link>
      <guid>http://www.blubrry.com/weeklymoneywisdom/62096692/episode-7understanding-bankruptcy-with-charissa-potts/</guid>
      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Thu, 30 Apr 2020 14:37:54 -0400</pubDate>
      <description>Melissa Fradenburg, Financial Advisor in Grosse Pointe with Pearl Planning is joined by special guest Charissa Potts of Freedom Law, PC and they’re talking all things Bankruptcy. Charissa formed her consumer bankruptcy-focused firm in 2014. www.freedoml</description>
      <content:encoded><![CDATA[Melissa Fradenburg, Financial Advisor in Grosse Pointe with Pearl Planning is joined by special guest Charissa Potts of Freedom Law, PC and they’re talking all things Bankruptcy. Charissa formed her consumer bankruptcy-focused firm in 2014. www.freedoml]]></content:encoded>
      <enclosure url="https://anchor.fm/s/1214e670/podcast/play/12665782/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2020-04-30%2F62576efff331f57f435e1c37585e0cac.m4a" length="21817664" type="audio/x-m4a" />
      <itunes:duration>0:22:28</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle>Melissa Fradenburg, Financial Advisor in Grosse Pointe with Pearl Planning is joined by special guest Charissa Potts of Freedom Law, PC and they’re talking all things Bankruptcy. Charissa formed her consumer bankruptcy-focused firm in 2014. www.freedoml</itunes:subtitle>
      <itunes:summary>Melissa Fradenburg, Financial Advisor in Grosse Pointe with Pearl Planning is joined by special guest Charissa Potts of Freedom Law, PC and they’re talking all things Bankruptcy. Charissa formed her consumer bankruptcy-focused firm in 2014. www.freedoml</itunes:summary>
      <itunes:season>1</itunes:season>
      <itunes:episode>7</itunes:episode>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_episode/2933596/2933596-1588001795990-166df054f77f3.jpg</itunes:image>
    </item>
    <item>
      <title>Episode 6: COVID-19 and Estate Planning with Joan Skrzyniarz</title>
      <link>https://anchor.fm/52pearls/episodes/Episode-6-COVID-19-and-Estate-Planning-with-Joan-Skrzyniarz-ecrvbb</link>
      <guid>http://www.blubrry.com/weeklymoneywisdom/62096691/episode-6-covid-19-and-estate-planning-with-joan-skrzyniarz/</guid>
      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Fri, 24 Apr 2020 10:47:22 -0400</pubDate>
      <description>Melissa Joy is joined by estate planning attorney Joan Skrzyniarz, practice group chair of trusts and estates at Dickinson Wright in Troy, Michigan.&amp;nbsp;
Joan and Melissa discuss:

 Why for estate planning, perfection can be the enemy of progress.
 The d</description>
      <content:encoded><![CDATA[Melissa Joy is joined by estate planning attorney Joan Skrzyniarz, practice group chair of trusts and estates at Dickinson Wright in Troy, Michigan.&nbsp;
Joan and Melissa discuss:

 Why for estate planning, perfection can be the enemy of progress.
 The d]]></content:encoded>
      <enclosure url="https://anchor.fm/s/1214e670/podcast/play/12499755/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2020-04-24%2F331cca6e125e9dd0bb4e14fd48b46ea5.m4a" length="22365106" type="audio/x-m4a" />
      <itunes:duration>0:23:02</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle>Melissa Joy is joined by estate planning attorney Joan Skrzyniarz, practice group chair of trusts and estates at Dickinson Wright in Troy, Michigan.  Joan and Melissa discuss:   Why for estate planning, perfection can be the enemy of progress.  The d</itunes:subtitle>
      <itunes:summary>Melissa Joy is joined by estate planning attorney Joan Skrzyniarz, practice group chair of trusts and estates at Dickinson Wright in Troy, Michigan. 
Joan and Melissa discuss:

 Why for estate planning, perfection can be the enemy of progress.
 The d</itunes:summary>
      <itunes:season>1</itunes:season>
      <itunes:episode>6</itunes:episode>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_episode/2933596/2933596-1587047252199-3d07693d4f478.jpg</itunes:image>
    </item>
    <item>
      <title>Episode 5: Technology Adaptations in the Age of Covid-19 with Bill McManus</title>
      <link>https://anchor.fm/52pearls/episodes/Episode-5-Technology-Adaptations-in-the-Age-of-Covid-19-with-Bill-McManus-ecohf5</link>
      <guid>http://www.blubrry.com/weeklymoneywisdom/62096690/episode-5-technology-adaptations-in-the-age-of-covid-19-with-bill-mcmanus/</guid>
      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Tue, 21 Apr 2020 22:57:22 -0400</pubDate>
      <description>Americans are radically changing their habits as stay at home orders replace business as usual. What technology can help people cope in a time of social distancing and what will stick around in the aftermath of coronavirus?
Bill McManus is part of the App</description>
      <content:encoded><![CDATA[Americans are radically changing their habits as stay at home orders replace business as usual. What technology can help people cope in a time of social distancing and what will stick around in the aftermath of coronavirus?
Bill McManus is part of the App]]></content:encoded>
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      <itunes:duration>0:19:55</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle>Americans are radically changing their habits as stay at home orders replace business as usual. What technology can help people cope in a time of social distancing and what will stick around in the aftermath of coronavirus? Bill McManus is part of the App</itunes:subtitle>
      <itunes:summary>Americans are radically changing their habits as stay at home orders replace business as usual. What technology can help people cope in a time of social distancing and what will stick around in the aftermath of coronavirus?
Bill McManus is part of the App</itunes:summary>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_episode/2933596/2933596-1586894335627-394a6cdc5f09c.jpg</itunes:image>
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      <title>Episode 4: Cares Act Relief for Individuals</title>
      <link>https://anchor.fm/52pearls/episodes/Episode-4-Cares-Act-Relief-for-Individuals-ecnnu4</link>
      <guid>http://www.blubrry.com/weeklymoneywisdom/62096689/episode-4-cares-act-relief-for-individuals/</guid>
      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Fri, 17 Apr 2020 20:26:56 -0400</pubDate>
      <description>Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning.
Episode Notes

 Pearl Planning is a wealth management firm located in Dexter and Grosse Poin</description>
      <content:encoded><![CDATA[Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning.
Episode Notes

 Pearl Planning is a wealth management firm located in Dexter and Grosse Poin]]></content:encoded>
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      <itunes:duration>0:11:18</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle>Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Episode Notes   Pearl Planning is a wealth management firm located in Dexter and Grosse Poin</itunes:subtitle>
      <itunes:summary>Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning.
Episode Notes

 Pearl Planning is a wealth management firm located in Dexter and Grosse Poin</itunes:summary>
      <itunes:season>1</itunes:season>
      <itunes:episode>4</itunes:episode>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_nologo/2933596/2933596-1583526861769-56a467674a8a9.jpg</itunes:image>
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      <title>Episode 3: CARES Act Relief for Small Business Owners</title>
      <link>https://anchor.fm/52pearls/episodes/Episode-3-CARES-Act-Relief-for-Small-Business-Owners-echoi3</link>
      <guid>http://www.blubrry.com/weeklymoneywisdom/62096688/episode-3-cares-act-relief-for-small-business-owners/</guid>
      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Fri, 10 Apr 2020 17:03:33 -0400</pubDate>
      <description>Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning.
Episode Notes
Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe</description>
      <content:encoded><![CDATA[Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning.
Episode Notes
Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe]]></content:encoded>
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      <itunes:duration>0:15:10</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle>Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Episode Notes Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe</itunes:subtitle>
      <itunes:summary>Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning.
Episode Notes
Pearl Planning is a wealth management firm located in Dexter and Grosse Pointe</itunes:summary>
      <itunes:season>1</itunes:season>
      <itunes:episode>3</itunes:episode>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_episode/2933596/2933596-1586552622536-43d142efa637f.jpg</itunes:image>
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    <item>
      <title>Episode 2: Focus on What You Can Control</title>
      <link>https://anchor.fm/52pearls/episodes/Episode-2-Focus-on-What-You-Can-Control-ebsl2h</link>
      <guid>http://www.blubrry.com/weeklymoneywisdom/62096687/episode-2-focus-on-what-you-can-control/</guid>
      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Thu, 02 Apr 2020 10:33:34 -0400</pubDate>
      <description>The COVID-19 outbreak has turned our personal and financial lives upside down. This week, we discuss a go-to strategy for uncertain times: &quot;focus on what you can control.&quot; 

--- 

Send in a voice message: https://anchor.fm/52pearls/message</description>
      <content:encoded><![CDATA[The COVID-19 outbreak has turned our personal and financial lives upside down. This week, we discuss a go-to strategy for uncertain times: "focus on what you can control." 

--- 

Send in a voice message: https://anchor.fm/52pearls/message]]></content:encoded>
      <enclosure url="https://anchor.fm/s/1214e670/podcast/play/11473425/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2020-04-02%2F2528ec31600abc95e293b5ded7ad6417.m4a" length="8649202" type="audio/x-m4a" />
      <itunes:duration>0:08:54</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle>The COVID-19 outbreak has turned our personal and financial lives upside down. This week, we discuss a go-to strategy for uncertain times: &quot;focus on what you can control.&quot;   ---   Send in a voice message: https://anchor.fm/52pearls/message</itunes:subtitle>
      <itunes:summary>The COVID-19 outbreak has turned our personal and financial lives upside down. This week, we discuss a go-to strategy for uncertain times: &quot;focus on what you can control.&quot; 

--- 

Send in a voice message: https://anchor.fm/52pearls/message</itunes:summary>
      <itunes:season>1</itunes:season>
      <itunes:episode>2</itunes:episode>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_nologo/2933596/2933596-1583526861769-56a467674a8a9.jpg</itunes:image>
    </item>
    <item>
      <title>Intro &amp; Week 1: Map your financial goals</title>
      <link>https://anchor.fm/52pearls/episodes/Intro--Week-1-Map-your-financial-goals-ealhti</link>
      <guid>http://www.blubrry.com/weeklymoneywisdom/62096686/intro-week-1-map-your-financial-goals/</guid>
      <dc:creator>Melissa Joy, CFP &amp; Melissa Fradenburg</dc:creator>
      <pubDate>Mon, 24 Feb 2020 19:01:00 -0500</pubDate>
      <description>Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning.
Episode Notes

 Pearl Planning is a wealth management firm located in Dexter and Grosse Poin</description>
      <content:encoded><![CDATA[Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning.
Episode Notes

 Pearl Planning is a wealth management firm located in Dexter and Grosse Poin]]></content:encoded>
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      <itunes:duration>0:05:41</itunes:duration>
      <itunes:explicit>clean</itunes:explicit>
      <itunes:author>Melissa Joy, CFP &amp; Melissa Fradenburg</itunes:author>
      <itunes:subtitle>Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning. Episode Notes   Pearl Planning is a wealth management firm located in Dexter and Grosse Poin</itunes:subtitle>
      <itunes:summary>Welcome to the 52 Pearls Weekly Money Wisdom Podcast! This new podcast is hosted by Melissa Joy, CFP and Melissa Fradenburg, financial planners at Pearl Planning.
Episode Notes

 Pearl Planning is a wealth management firm located in Dexter and Grosse Poin</itunes:summary>
      <itunes:season>1</itunes:season>
      <itunes:episode>1</itunes:episode>
      <itunes:image>https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_episode/2933596/2933596-1580963952272-1cfd537ae0bc8.jpg</itunes:image>
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