Candice Elliott


I was a late comer to personal finance. Pretty happy as long as I had twenty bucks in my pocket. Then I found myself in my late thirties with not much more than the twenty bucks in my pocket.

Because the topic of money was always pretty dry to me, I needed a resource that was entertaining as well as educational. I found LMM via Reddit, loved the show and reached out to Andrew with a question. Next thing I know, I’m working for the show.

I love writing about things that I feel can make a difference to someone. And I love writing things that will piss some people off. Those two things are not mutually exclusive.

I’ve lived in NYC for fourteen years. I’d rather be in New Orleans though. One day. When I’m not writing or wishing I was in Nola, I’m running in Central Park or watching pro cycling.

I'm available for freelance work!
paribus review
Paribus Review: Free Money for Nothing

Have you ever bought something and then seen it cheaper soon after? Sometimes you can get the difference back but most of us don’t bother. Now you don’t have to. Read our Paribus review and see how they can get you free money for nothing.

trim review
Trim Review: Your Personal Finance Assistant

Do you ever wish you had a personal assistant to do things like find and cancel old gym memberships you don’t use or to negotiate a lower cable and internet bill for you? Well, now you have one. Read our Trim Review and see how they can go to work for you.

ibotta review
Ibotta Review: Get Cash, Not Coupons

Do you want to save money? Of course. Do you want to clip coupons? Of course not. We found a way to save money without fussing around with coupons. Read our Ibotta review to find out how. 

average net worth by age
Average Net Worth By Age: How Do You Stack Up?

Net worth is a useful tool to gauge your overall financial picture. We have good data in America for average net worth by age. See how you stack up and because LMM listeners are not average, what your net worth by age should be. 

LendKey Review: Prioritizing People Over Profits

If you are struggling with student loan debt, you may have considered refinancing. Today we bring you our LendKey review. LendKey will refinance your loans to lower your interest and save you money. 

chime bank review
Chime Bank Review: A Bank That Has Your Back

Tired of being nickel and dimed by your bank? Meet Chime. A Bank eliminates fees and helps you save money. This is our Chime Bank review.

survey junkie review
Survey Junkie Review: Finally Get Paid For Your Opinion

Do you have lots of opinions? You can get paid for sharing them at Survey Junkie. But is it worth it? Find out in our Survey Junkie review.

republic wireless review
Republic Wireless Review: Get A Cell Plan That Fits Your Life

Cell phone bills can be outrageously expensive. When you look for ways to lower your costs, one name keeps coming up; Republic Wireless. We decided to investigate. This is our Republic Wireless review.

health IQ Review
Health IQ Review – Get Rewarded For Being Healthy

There is a new company that believes healthy people should be rewarded with lower insurance rates. We were intrigued so we checked them out. This is our Health IQ review.

Get Paid For The Things You Already Do – A Swagbucks Review

Looking to make some extra money on-line? Swagbucks is often talked about as a place to do it. Can you make money on Swagbucks?  Our Swagbucks review will answer that question.

passive income ideas
31 Passive Income Ideas: Make Money While You Sleep

We all need more than one income source but there are only so many hours in a day to work. Here are 31 passive income ideas to make money while you sleep. 

Trish Regan: 5 Ways to Protect Your Sanity and Investments from Wall Street Noise

Trish Regan shares  5 ways to protect your sanity and investments from Wall Street noise.

money gift ideas
Creative and Unique Money Gift Ideas

Every gift you give a child is a chance to inspire saving, investing, and entrepreneurship. These are some money gift ideas.

quicken alternatives
Quicken Alternatives You Need To Try

Quicken was the only game in town for years but that’s changed. And with the system’s future uncertain, it’s time to explore some Quicken alternatives.

money master the game
Money Master the Game Review

I read the personal finance equivalent of War and Peace. Here is my Money Master the Game Review.

Better Money Habits
It’s Time to Get Better Money Habits

Many of us have developed bad habits when it comes to money. Here are some better money habits to adopt.

Highest paying college majors
Make that Money – Here Are The Highest Paying College Majors

A college degree is expensive. If you’re going to spend the money you want a good ROI. These are some of the highest paying college majors.

4 Gift Rule

Are your children getting a little too acquisitive? You might want to introduce them to the 4 gift rule.

jobs without ndegree
Jobs Without a Degree

College isn’t for everyone but a good job is. These are good jobs without a degree.

building wealth guide
A Simple Guide to Building Wealth

Building wealth can be like losing weight. It’s not always easy, but it is simple. We’ll show you the keys to building wealth.

self made millionaires
Self-Made Millionaires: How They Did It And How You Can Too

We’ve had more than a few self-made millionaires on Listen Money Matters. They did it and you can too.

Financial Independance
The Roadmap to Financial Independence

For most of you who listen to and read LMM, your ultimate goal is financial freedom. But what is that and how do you achieve it? Here is a road map for financial freedom.

make money in college
How to Make Money in College

College has become so expensive that it’s nearly impossible to pay for it without loans. But the more loans you take out, the more debt you graduate with. We’ll show you how to make money in college.

RealtyShares Review – Is It Right For You?

Companies like Betterment and Wealth Front broke down the wall between investing and the general public through their easy to use on-line platforms. RealtyShares wants to do the same with real estate investing.

The One Percent Rule – Getting Down With Real Estate Investing Math

LMM has been on a real estate kick lately. It can be a great source of passive income. If you are considering it, here’s what you need to know about the one percent rule when buying a rental.

The Need Money Now Strategy

Sooner or later it happens to the best of us; you’re in a position where you need money now. If you are in a jam and need to come up with extra funds, don’t stress out just yet. We’re here to help you make money today.

save the middle class
Save the Middle Class

The American Middle Class is part of American mythology, right up there with mom, baseball, and apple pie. And for good reason. The middle class built America. But what is middle class? Are you middle class?

11 Things You Should Never Pay For

That old saying that you get what you pay for isn’t always true. Sometimes there is such a thing as a free lunch. Here are 11 things you should never pay for.

8 Money Tips For Teenagers

If you’re a teenager, you are in a very powerful position. Starting good money habits now will put you ahead for the rest of your life. Here are 8 money tips for teenagers.

Spend a Raise Wisely

You got a raise! Congratulations. Now don’t go and blow it. We ‘ll help you to spend a raise wisely.

The Best Ways to Invest in Yourself

We talk to you all the time about investing money. But money isn’t everything. If you invest in yourself, you can earn returns that will last your lifetime. 

ways to save
12 Ways to Save -Your Monthly Money Saving Plan

It’s a new year and we’re going to get serious about saving money. This is your yearly money saving plan with ways to save every month.

How To Save For A House Fast

Are you thinking of buying a home? Ideally, you will have at least a 20% down payment. Here are some ways to save for a house fast.

financial mistakes
22 Financial Mistakes You Are Making Right Now

Financial mistakes, we’ve made a few. Hopefully not this many. These are 22 mistakes people make with their finances.

DIY Holiday Gifts

Do you want to spend less, be more green or give more thoughtful gifts?Making gifts yourself is the way to go. Here are some ideas for DIY holiday gifts. 

Share The Gift Of Financial Literacy

This holiday season, don’t buy your loved ones more stuff they’ll toss in a closet. Give a gift that lasts a lifetime; share the gift of financial literacy.

Get Free Stuff On Your Birthday: The Ultimate Guide

It’s your special day and you deserve free stuff! Here’s the guide to get free stuff on your birthday.

savings plan
You Need A Savings Plan – Save $5 A Day, $100 A Week, $500 A Month

We know, saving is hard. Here are ways to save $5 a day, $100 a week, and even $500 a month. It’s about time you start a savings plan.

Pay For College Without Loans

College tuition isn’t getting any more affordable. Many people take on a mountain of debt but there are ways to pay for college without loans.

Seven Financial Red Flags in a Relationship
Seven Financial Red Flags in a Relationship

We all have dating red flags and if we spot one, bail before getting in too deep. Financial red flags in a relationship take longer to spot. Be vigilant.

work from home
Stay home, Get Paid. Legitimate Work From Home Jobs

If you’re looking to work from home, there are seemingly dozens of choices. These are legitimate work from home jobs so you can start working from your couch.

Do You Suffer From FOMO?

You might be suffering FOMO and not even know it, or even what it is! FOMO is fear of missing out. But you might be gaining by missing out.

Freelance Writing - How to get started
Freelance Writing: How to Get Started Earning

Do you have a flair for words? Do you want to work in your pajamas? A freelance writing career can be very lucrative. I’ll show you how to get started.

What Is Fry Vocal Fry? How Your Voice Affects Your Career

There is a lot of competition for jobs and for job advancement. Could a vocal fry be holding your prospects back?

how to make money fast
How to Make Money Fast: 127 Ways to Make $100

Quick! Can you come up with $100? Some of you have that in your couch cushions, but for those who don’t, here are 127 ways to make $100.

No More Zero Days

A no zero day is a small way to help you find discipline even when you don’t have any. It’s a simple concept that can go a long way to improving your life.

Fall Finance Tips
Eleven Fall Finance Tips

A chill is in the air and the light fades early. It’s fall! Here are x fall finance tips that will help take you to the end of the year.

Six Financial Fears
Six Financial Fears And How To Overcome Them

We all worry about money. Here are six common financial fears and how to overcome them.

Cant Pay Bills
Help! I Can’t Pay My Bills. What Should I Do?

It can happen, hopefully not often, but it can. I’ll tell you what to do when you can’t pay a bill so a bad situation isn’t made worse.

Jay Yoon of Instavest
Choosing Individual Investments with Jay Yoon of Instavest

Today we speak to legendary Instavest investor Jay Yoon. We’ll learn his strategies and add ourselves to his growing number of groupies.

why am i broke 14 Reasons You're Broke
Why Am I Broke? 15 Reasons Why and How To Fix Them

Do you seem to never have any money at the end of the month but can’t figure out why? Here are 17 reasons you’re broke and how to fix them.

Why LMM Matters
Why Listen Money Matters, Matters

As we approach our third anniversary at LMM, I wanted to share why Listen Money Matters, Matters. To me and hopefully to you too.

Become A Digital Nomad

Do you long to leave the 9-5 cubicle world behind? Want to post pictures of yourself in exotic locales? Need a fresh start? Become a digital nomad.

Ten Bad Money Habits

It’s easy to fall into bad habits that hurt our financial goals. Here are ten bad money habits and ways to overcome them. How many are you guilty of?

small Investments
Small Investments On A Small Income

You don’t have to be a millionaire to invest. Investing is how you become a millionaire. We look at small investments on a small income.

Financial Infidelity

In the wake of the Ashley Madison hack, we explore another kind of infidelity, financial infidelity, which can be just as devastating as sexual infidelity.

How To Pay Off Debt On A Low Income
How To Pay Off Debt, Even On A Low Income

Not all of us make six figures which means paying off debt can be tough. But it’s not impossible. We’ll show you how to pay off debt, even on a low income.

10 money myths
The Top 10 Worst Money Myths You Need to Forget

There is a lot of misinformation surrounding personal finance. We’ll debunk the top 10 personal finance myths.

Burnout: What To Do When You’ve Had Enough

A few months ago we did a podcast on burnout and it resonated with many of you. Because it seems to be an epidemic, we wanted to delve a little further.

how to make money with airbnb
How to Make Money with Airbnb

If you want to make some extra money, renting your home through Airbnb is a great way to do it. Here’s what you need to know.

Five Things In Five Minutes To Improve Your Finances

It’s summer so you have better things to do than worry about money. But you can’t neglect it. Here are five things in five minutes to improve your finances.

Do What You Love?

Everyone says it’s important to do what you love. But is it realistic? And would you even really want to do what you love doing for fun for a living?

How Do Payday Loans Works?

Many of us have been desperate for money. Some of us have considered an instant payday loan to solve. But these are the worst solution to the problem.

how to protect your idenity
Identity Theft Facts You Need to Know

If you’re concerned with identity theft you need to be aware of all the different kinds. Learn the facts and find out how to protect yourself.

Ethical Investment: Make Money, Do Good

We want to make money via our investments. But do you care where that money is invested? Ethical investment lets you feel good about where your money goes.

Take A Digital Vacation

You might take a vacation this summer but have you ever taken a digital vacation? If not, you’re not as relaxed as you should be. It’s time to unplug.

Paleo Budget
Paleo On A Budget

Thinking of trying the Paleo way of eating? It can be expensive with grass fed this and pastured that but it doesn’t have to be. Learn to Paleo on a budget.

Traveler Rights
Traveler’s Rights

It’s peak travel season which means there is more that can go wrong. If your travel plans are interrupted, it’s important to know your traveler’s rights.

How to Fix Bad Credit

Many of us are not happy with the state of our credit. There are companies who claim they can repair bad credit. Are they real or are they a scam?

Save Money This Wedding Season

Wedding season is upon us and if you’re of a certain age, the invites are coming fast and furious. Celebrate with your loved ones without going broke.

Stay Cool For Cheap

The mercury is rising and so is your electric bill. But there are other ways to keep cool than just blasting your air conditioner twenty four hours a day!

Is There Such A Thing As Being Too Frugal?

Being frugal is a good thing. But frugality can be taken too far and sometimes even cost you more in the long run. Walk the fine line without crossing over.

Where To Invest $100, $1000, or $10,000

Everyone should be investing. We will show you where  to invest $100, $1000, or $10,000.

Take The Emotion Out Of Money

Are you an emotional spender? Letting good or bad emotions drive your spending can be disastrous. Take the emotion out of money.

Don’t Get Off Track This Summer

Summertime and the livin is easy. Don’t get off track this summer by letting the relaxed vibe derail your financial goals.

The Sharing Economy

The sharing economy is defined as owners renting out things they aren’t using, homes, cars, cameras. Can you benefit from the sharing economy?

cheap summer fun
Cheap Summer Fun

After a long, miserable winter, summer is finally here. There is no better time of year for having fun on the cheap. Get the most out of your summer.

Is New York City Dead?

New York City has long been a mecca for young, aspiring people with little money and big ideas. But is it still or is New York City Dead?

Personal Finances By The Decade

We tend to set certain bench marks by age. Personal finance is no different. What should you be doing for your personal finances by the decade?

Can Bad Credit Actually Keep You From Getting A Job?

Another reason to mind is your credit reports is the impact they can have on your job searches. In some cases you can be denied a job based on a poor score.

Being The Poor Friend

Some people are smarter, some are better looking, and some have more money. How do you cope when you are the poor friend in your social circle?

Red State Welfare

There is a big divide between red states and blue. Part of the gulf is welfare spending. But which states benefit more? Spoiler alert, Fox News lies.

Stuff You Can Rent

If you only need an expensive item once, you can rent it rather than buy it. You’ll be amazed at the number of things you can rent. Sex dolls included.

What is Brain Drain?

What happens to a place when talented young people move away? And what drives them to leave home and family in search of greener pastures?

Money Lending To Family And Friends

Thinking about lending money? We’ll wade into the mine field of money lending to family and friends.

can money buy happiness quote
Can Money Buy Happiness?

We’ve all been told that money can’t buy happiness. But is that true? It depends on your definition of happiness. It turns out some happiness can be bought.

Who Are The Job Creators
Who Are The Job Creators?

The term job creators is tossed around a lot, especially during election season. But who really creates the jobs in America? It’s not who you might think.

Spring Cleaning Your Finances
Spring Clean Your Finances

Spring is a time of renewal. That goes for your fiances as well. Now is a good time to evaluate things and make any necessary changes.

Economic Boycotting

Now that your vote counts for so little, people are turning to economic boycotting to influence corporate and political policy. But does it work?

the pink tax
The Pink Tax Explained – What it is and what you can do about it

The pink tax is one that only about half of the population is subject to. And they probably aren’t even aware of it. Are you paying the pink tax?

Pet Expenses: How Much Does It Cost to Bring Up Fluffy?

Having a pet can be a wonderful experience. But pets come with expenses. Before you adopt a furry family member, make sure you know what to expect.

Financial Intervention

You’ve likely heard of interventions for people with drug or alcohol problems. But what about for someone with a spending problem? Should you do it?

Free Workouts Are The Best Workouts

You can spend a fortune on all kinds of specialized work out gear and an expensive gym membership. But you can get a good workout for almost nothing.

The Gender Pay Gap

In honor of International Women’s Day let’s discuss gender pay gap. 40% of US homes have a female as primary or sole earner, it’s not just women affected.

The High Cost of Being Poor

Being poor comes with special costs that higher earning people often don’t face. If you’re going to be poor in America, you better have money.

The Tipping Point- How Much Should You Tip?

Tipping was once reserved for places like restaurants and 15% was considered sufficient. Now everyone wants a tip and 15% is a relic. Has it gone too far?

The Bootleg Guide To Saving Money on Valentine’s Day

You can spend big bucks impressing your special someone on Valentine’s Day or you can use my bootleg methods to save some cash while still getting some.

Tips for moving on a budget
Tips For Moving On A Budget

Moving is certainly stressful and it can be expensive. Having just done it, I’ll share some things I did to save money and minimize stress.

Take Back Your Vacation!

Last year the average American only took 77% of their vacation days, working nearly a week for free. It’s time to take back your vacation America!

Understanding Income Inequality and the Income Gap

Income inequality is defined as “the extent to which income is unevenly distributed among a population.” What does that mean and how has it gotten so bad?

TTIP – The Transatlantic Trade and Investment Partnership

TTIP is the Transatlantic Trade and Investment Partnership. It is being negotiated in secret and if it passes, none of our shit will remain unfucked.

Corporate Welfare

Welfare is a dirty word in America. Corporate welfare is the real dirty word though, x rated in fact. See just who gets the real welfare in America.

It’s Never Too Late

If I knew then what I know now. I hate that saying. There is so much regret and blame in that sentence. But I hate it most of all for the futility of it.

One Simple Trick to Achieve New Year’s Resolutions

Every year there are a slew of tired articles about New Year’s Resolutions. This is not that. This is one simple trick to achieve New Year’s Resolutions.

Get The Money Out of Politics

With a record $4 billion dollars spent in 2014 mid-term elections and the lowest turn out in over seventy years, it’s time to get the money out of politics.

Why Net Neutrality Must Be Preserved

Net neutrality has been in the news a lot recently. Maybe you’re not even sure what it is but it must be preserved.

The High Cost of Poor Health Care

It’s no secret that even with the Affordable Care Act, it’s costly to be healthy in America. But the high cost of poor health care is even more costly.

Shopping On Black Friday

Shopping on Black Friday has become a uniquely American institution. Find out how and when to get the best deals without being trampled to death.

How To Save Money on Christmas Gifts

Now that we’ve crossed the Halloween threshold, the Christmas season is fast upon us. Here are a few ways to save money on Christmas gifts.

So You Fell Off the Wagon

It happens to us all. We start a new diet then binge on pizza. We fell off the wagon. And it can happen to our finances too.

27 Steps to Save Money By Winterizing Your Life

I love autumn, all golden and shit. Sweaters, knee high leather boots, pumpkins, Halloween, Thanksgiving. The only thing I don’t like about fall is that it means winter is coming, so I just try not to think about that.

How Money Inequality Can Hurt Your Relationship

Money is a big point of contention for a lot of couples. We think of two people who are both scraping by and lack of money is a point of stress.

Leave the Millenials Alone!

Millenials get a lot of bad press. But it’s the boomers who are to blame for the mess millenials find themselves in. Leave the millenials alone!

Shutting Out the Personal Finance Cacophony

Let’s block out the noise and find what you need to tackle your finances once and for all.

Learning How to Conquer Lifestyle Creep

Lifestyle creep can show itself in many forms and start, then spiral out of control. Recognizing it is the first step to conquering it.

The Smartest And Cheapest Ways To Travel

Do you dream of travelling to far off destinations but don’t think you can afford it? Travel doesn’t have to be expensive. Learn to travel cheap!

17 Ways to Clean Your Home on a Budget

Unless you’re a neck bearded basement dweller, we all want to live in a clean home. Here are some ways to keep your house clean, cheap, and healthy.

6 Major Factors Make Up Your Credit Score

A credit score is a 3-digit number that ranges from 300-850. It’s used by financial companies to decide how likely you will pay back money they lent you.

fun cheap date ideas
Fun Cheap Date Ideas

Dating can be expensive, but dinner and a movie gets expensive and boring pretty fast. Here are 16 inexpensive date ideas that you can do with your partner.

Save Money On Groceries

Looking for a way to save money? The shopping trolley is one of the easiest places to cut spending. Here is our ultimate guide to save money on groceries.

How To Save Money For Your First Apartment: 9 Simple Tips

Moving into your first place is exciting and daunting. It has to be balanced with a limited budget, both in furnishing your place and living there.

Best Credit Cards For Travel Rewards

There is much to be gained by choosing a good travel rewards credit card. Free airfare, hotel stays, upgrades & more. We’ll take a look at 3 of the best.

how to build credit without a credit card
How To Build Credit With And Without A Credit Card

Having a good credit score is Personal Finance 101. Everyone knows you need one. But how do you go about it? If you want to know how to build credit with and without a credit card, we have you covered.