Young Adults – Dollars and Sense

Helping Adult Children Launch Into Financial Independence with Joyce Marter, LCPC, CSP® (Ep. 90)

By Dollar$ and $ense | June 17, 2026

Watching an adult child take their first steps into independence can be exciting, rewarding, and sometimes challenging.

How can parents provide support without creating dependency? What conversations should families have when adult children continue living at home after graduation or while searching for employment?

In this episode, Nicole Romito welcomes back Joyce Marter, LCPC, CSP®, licensed psychotherapist, keynote speaker, and author of The Financial Mindset Fix, for a discussion about helping young adults transition into financial independence. They explore the realities many families face as housing costs rise and employment challenges persist. Joyce shares practical approaches for balancing support with accountability, creating healthy financial boundaries, encouraging responsibility, and fostering open conversations about money.

Key takeaways:

Creating clear expectations early can help reduce misunderstandings and family tension later on
Balancing support and accountability helps young adults build confidence and financial responsibility
Understanding the financial impact on parents is essential before offering long-term assistance
Open conversations about money can strengthen family relationships and reduce financial stress
Healthy boundaries encourage independence while preserving supportive parent-child relationships
And more!

Resources:

Connect with Nicole Romito:

Connect with Joyce Marter:

About Our Guest:

Internationally renowned mental health thought leader and financial mindset expert, Joyce Marter, considers it her life’s purpose to spread the Mental Wealth; to remove the shame and stigma from both mental health and financial stress and provide a global audience with practical strategies and tools to heal, recover, thrive and prosper.

Joyce enjoys travel and has visited over 20 countries, with Thailand, Turkey and Ukraine being some of her favorites. She welcomes opportunities to travel internationally to speak at large conferences or events. While she only speaks English, she has experience collaborating with a translator during her talks.

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REPLAY: Mastering Your Finances: Tips for Young Adults with Carrie Shoener (Ep. 47)

By Dollar$ and $ense | July 10, 2024

Jumping into managing your finances can be overwhelming, especially straight out of college.

But don’t worry, this week on Dollar$ and $ense we are replaying a popular episode that includes an insightful conversation about how young adults can build healthy financial habits.

Join Nicole Romito as she chats with Carrie Shoener (nee Mangan) about the importance of saving and investing, tips for maximizing employer contributions to a 401(k), and diversifying retirement savings across different accounts.

Gain insight into:

401(k)s, including contribution levels, employer matching, and pre-tax deductions
The top 3 tips for getting started with investing
Rules of thumb for housing costs
Target Date Funds and how they may help you diversify your portfolio with less risk
The importance of having an emergency fund
And more!

Resource:

How to Prepare for the Death of a Loved One With Carrie Shoener (Ep. 46)

Connect with Nicole Romito:

Connect with Carrie Shoener:

About Our Guest:

Carrie Shoener is an advisor at Private Vista LLC. Her previous work as a high school teacher emphasized how important it is to build strong relationships as the cornerstone of one’s career. That same principle guides her work as an advisor, where she is able to continue helping people solve problems and make empowered decisions about their futures. Carrie sees her role as a trusted and empathetic source of financial education, and she enjoys working with clients to build up their knowledge and understanding of their options.

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Mastering Your Finances: Tips for Young Adults with Carrie Mangan (Ep. 21)

By Dollar$ and $ense | June 14, 2023

Navigating personal finances after college can be challenging for many young individuals who lack proper guidance on savings, investments, and managing their 401(k)s.

What are some goals and rules they should follow for the long-term?

In this episode, Nicole Romito sits down with Carrie Mangan, advisor at Private Vista, to talk about the topic of building healthy financial habits for young adults just starting out in their careers. Carrie shares her expertise and experience to educate them on the importance of starting to save and invest early, maximizing employer contributions to a 401(k), and diversifying retirement savings across different types of accounts.

Additionally, Carrie discusses the importance of having an emergency fund and tracking net worth to be prepared for adverse situations and make better financial decisions.

Carrie discusses:

Her background as a teacher and professional in the financial industry
The basics of 401k contributions, including contribution levels, employer matching, and the benefits of pre-tax deductions
The importance of understanding how much of your 401(k) balance is vested before leaving a job
Target date funds and how it provides diversified and professionally managed investment options
Three important rules of thumb for investing
The importance of building an emergency fund
The rule of thumb for housing costs
Reasons why it’s beneficial to track your net worth annually
How much to allocate to savings
And more!

Resources:

Email at info@myprivatevista.com to get tools that can help you track your net worth and your cash flows

Connect with Nicole Romito:

Connect with Carrie Mangan:

About our Guest:

Carrie Mangan is an advisor at Private Vista LLC. Her previous work as a high school teacher emphasized how important it is to build strong relationships as the cornerstone of one’s career. That same principle guides her work as an advisor, where she is able to continue helping people solve problems and make empowered decisions about their futures. Carrie sees her role as a trusted and empathetic source of financial education, and she enjoys working with clients to build up their knowledge and understanding of their options.

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