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Send us Fan Mail Welcome back to the channel—I’m Stenell “The Money Therapist” Myers, financial coach, counselor, and advocate for real change. If you're looking to step into homeownership with confidence, today's video is especially for you. 💡 What you’ll learn in this video: What the Hometown Heroes Program is and how it provides down payment or closing cost assistance to veterans, teachers, first responders, healthcare workers, and more. ✅ Who qualifies and how to check if your community offers this benefit. ✅ Credit score and lender requirements you need to know. ✅ What to expect regarding repayment terms (if any). ✅ My personal tips to prepare for homeownership with confidence. As a Master’s-trained mental health counselor turned financial coach, I cut through the financial jargon to bring you real, actionable tools and motivation. Whether you’re a hero looking for help or someone who supports them, this video will give you clarity and encouragement. ✨ Let’s make homeownership possible—for you, for our heroes, and for your legacy. 📲 Contact Stenell “The Money Therapist” Myers 🌐 Website: www.stenellthemoneytherapist.com 📧 Email: [email protected] 👍 Don’t forget to Like this video if you found it helpful. 💬 Share your questions or experience with the program in the comments! 🔔 Subscribe for more real-life money tips, homeownership programs, and financial empowerment. #HometownHeroes #FirstTimeHomeBuyer #MoneyTherapist #DownPaymentAssistance #HomeownershipGoals #FinancialFreedom #realestatetips

Send us Fan Mail Are you a First Time Home Buyer? Buying your first home is exciting—but it can also feel overwhelming. In this video, I’ll walk you through the essential steps every first-time homebuyer should know. From preparing your finances, getting pre-approved, and finding the right property, to making an offer and closing the deal—I’ll guide you each step of the way. Whether you’re just starting to think about homeownership or you’re ready to make the leap, this guide will help you feel confident and prepared. ✨ What you’ll learn in this video: Key steps for first-time homebuyers Common mistakes to avoid How to budget and get pre-approved Tips for choosing the right home What to expect during the closing process 🏡 Ready to start your journey to homeownership? Let’s make buying your first home simple and stress-free!

Send us Fan Mail 🎥 This is WHO I AM and WHAT I DO for many years! WELCOME TO MY WORLD – PURPOSE. IMPACT. LEGACY. Hi, I’m Stenell Myers – entrepreneur, community advocate, and woman on a mission to build up others through real estate, youth empowerment, and compassionate care. This is WHO I AM!  👣 My journey is deeply personal. Since 2019, I’ve been a full-time caregiver for my mother who has dementia. That experience shaped my passion and purpose—leading me to create services that truly meet people where they are. ✨ Here’s what I do: 🔹 I help families buy and sell homes through Align Right Realty. 🔹 I lead JOY Making A Difference—an after-school program teaching financial literacy and entrepreneurship to kids ages 10–13. 🔹 I run A Second Touch—a support coordination agency in New Jersey helping individuals with disabilities receive the care and resources they need. 🔹 I create real-life content to inspire, educate, and support others walking similar paths—because I know how it feels. This channel is where heart meets hustle. You’ll find stories, tips, real talk, and real purpose. 🗣️ If you believe in building legacy, lifting others, and living a life of intention—welcome home. You belong here.

Send us Fan Mail How Real Estate & Healthcare Are Like a Married Couple 👩🏽‍⚕️🏡 | The Unexpected Connection Most people don’t realize it—but real estate and healthcare are deeply connected, like a married couple. One affects the other, and both require support, planning, and guidance to thrive. That’s where I come in. Whether it’s helping families transition loved ones into care while navigating a home sale… or managing housing and support services for those in need, I bring both worlds together with heart and strategy. In this video, I share how my work in real estate and my healthcare agency, A Second Touch, complement each other—and why this powerful connection matters now more than ever. 👉 Don’t forget to like, comment, and subscribe for more behind-the-scenes insights from someone who lives in both worlds. #RealEstate #HealthcareSupport #ASecondTouch #SeniorCareSolutions #RealEstateWithHeart #HousingAndHealthcare #LifeTransitions #StenellMyers

Send us Fan Mail Ever wondered how after-school programs like mine get funded? In this video, I break down exactly how I get reimbursed through the 21st Century Community Learning Centers Grant to run Just Our Youth (J.O.Y) Making A Difference—a powerful after-school program changing lives through financial literacy, entrepreneurship, STEM, and more. 💡 Whether you're a nonprofit leader, educator, or entrepreneur looking to start or grow a youth program, this video gives you real insight into the reimbursement process, what documentation is needed, and how to stay compliant and organized. ✅ What you’ll learn: How reimbursement works for 21st Century-funded programs What expenses are covered My process for submitting, tracking, and receiving funds Tips to avoid delays and mistakes 🔔 Don’t forget to like, subscribe, and hit the bell for more videos on funding, youth development, and making an impact through education. 👇 Drop a comment if you’re starting your own program or applying for a grant—I’d love to connect! #AfterSchoolProgram #GrantFunding #21stCenturyGrant #YouthEmpowerment #JOYMakingADifference #NonprofitFunding #FinancialLiteracy #Entrepreneurship #STEMforYouth

Send us Fan Mail 🎉 Builders Are Giving Incentives – Here’s What You Need to Know! 🏡💰 Thinking about buying a new construction home? Now might be the perfect time! Builders are offering some amazing incentives — from lower interest rates to closing cost assistance and even design upgrades. In this video, I’ll break down: ✅ Why builders are offering these incentives ✅ What kind of perks you can expect ✅ How to take advantage of these deals the smart way ✅ Why working with a realtor still matters (yes, even with new builds!) Whether you're a first-time buyer, investor, or relocating, this could save you thousands. 📲 Have questions or want to tour new builds in your area? Let’s chat!

Send us Fan Mail Does Your Bank Account Match Your Age? 💸 | Let’s Talk Real Financial Goals Are you where you should be financially for your age? In this video, we’re diving into a real conversation: Does your bank account reflect your age, your goals, and your lifestyle? 🙇‍♀️ We’ll break down: ✅ What financial benchmarks look like by age ✅ Why your savings should grow with your seasons of life ✅ How to shift your mindset and habits for long-term wealth ✅ Tips to stop just earning money—and start keeping it Whether you're 25 or 55, this video is your wake-up call to check in with your financial reality and create a plan to level up. Subscribe for more money tips, real estate insights, and wealth-building wisdom. 💼📈

Send us Fan Mail Are you ready to build serious wealth through real estate? In this video, I break down the 1031 Exchange — one of the most powerful tools savvy investors use to grow their portfolios tax-deferred. Whether you're a first-time investor or thinking about selling a property and reinvesting, this guide will help you understand: ✅ What a 1031 Exchange is ✅ Who qualifies ✅ The strict timelines you must follow ✅ How to avoid paying capital gains taxes (legally!) ✅ Tips to maximize your investment potential 📈 Real estate isn’t just about buying and selling — it’s about strategy. The 1031 Exchange is one of the smartest ways to keep your money working for you.

Send us Fan Mail Are you dreaming of a life without monthly mortgage payments? 🏡 In this video, we’re diving into why paying off your home early can be one of the most powerful financial decisions you’ll ever make. ✨ Whether you're a first-time homeowner or well into your mortgage journey, this video will walk you through: ✅ The benefits of early payoff (hello, interest savings!) ✅ How it impacts your financial freedom ✅ Simple strategies to pay down your mortgage faster ✅ Why it’s not just about the money—it’s about peace of mind and long-term wealth building 💡 Mortgage freedom gives you flexibility, security, and the ability to invest in other wealth-building opportunities.

Send us Fan Mail Understanding the 4 Personality Types & How They Impact Your Finances 💰🧠 Did you know that your personality type can shape your financial habits and money mindset? In this video, we’re breaking down the four types of personalities—Passive, Passive-Aggressive, Aggressive, and Assertive—and how each one influences financial decisions, spending habits, and wealth-building strategies. 🔹 Passive: Avoids financial decisions, struggles with setting boundaries, and often lets others take control of money matters. 🔹 Passive-Aggressive: Appears agreeable but secretly resents financial responsibilities, leading to poor money management and hidden debt. 🔹 Aggressive: Takes charge of finances but may make impulsive or risky decisions without considering long-term consequences. 🔹 Assertive: The ideal balance—confident, strategic, and in control of their financial future. 💡 Why does this matter? Your money mindset affects how you save, invest, and grow wealth. Understanding your personality type can help you break unhealthy patterns, improve financial habits, and take control of your financial future. 🔔 Subscribe for more insights on personal growth, finance, and wealth-building! 👍 Like, comment, and share—let me know which personality type you relate to the most!

Send us Fan Mail 🚀 What does entrepreneurship really mean? Today, I’m breaking it down in my own terms—no fluff, no textbook definitions, just real talk. Whether you're starting your first business, side hustle, or just thinking about what it takes to be an entrepreneur, this video is for you! 💡 In this episode, we’ll cover: ✔️ What entrepreneurship truly means beyond the dictionary definition ✔️ The mindset shift you need to succeed ✔️ How to take control of your own journey 🔥 If you’re ready to stop making excuses and start building your future, hit that LIKE button, SUBSCRIBE for more content, and turn on the NOTIFICATION BELL so you never miss an episode! 📢 Join the conversation! Drop a comment below—what does entrepreneurship mean to YOU? 💼 Follow me for more inspiration and tips: 📌IG & FB: @stenellthemoneytherapist

Send us Fan Mail In this video I talk about how HARDDDD it is to be a realtor in Tampa Florida!

Send us Fan Mail No More Excuses, Wake Up! — Florida’s Hometown Heroes Program is back for 2025, and it could put up to $35,000 toward your down payment and closing costs. In this episode, I break it all down: When the program starts (August 18, 2025)Who qualifies — teachers, nurses, first responders, childcare workers, veterans, and moreHow much money you can actually getWhat happens when you sell, refinance, or transfer your homeWhy this is still a win-win investment even though you’ll pay the assistance backEpisode Summary This episode of No More Excuses, Wake Up! is your complete guide to Florida’s Hometown Heroes Program for 2025. Whether you’re a first-time homebuyer, a veteran, or a frontline worker, this program could make the difference between renting and owning. You’ll learn exactly how the program works, who qualifies, and what you need to know before applying. What You’ll Learn in This Episode The exact start date for the 2025 programA clear explanation of who qualifies (including exceptions for military and veterans)How much financial assistance you can receive — up to $35,000The truth about paying it back and why it’s still a win-winWhy buying a home through this program is a smart long-term investmentResources & Links Official Florida Housing Program Info: https://www.floridahousing.org/programs/homebuyer-overview-page/hometown-heroesHUD-Approved Homebuyer Education Courses: https://hudgov-answers.force.com/housingcounseling/s/?language=en_USContact a Participating Lender: Check with your local bank, credit union, or mortgage broker for availability.Connect & Free Tools Visit: StenellMyersEnterprises.com – Learn more about my businesses and download your free budget spreadsheet  Follow me on Instagram: @StenellTheMoneyTherapist  Email me: [email protected] Please rate and review No More Excuses, Wake Up! on iTunes or Spotify to help more people find the show. Would you like me to also format this into a podcast template you can reuse for every episode (just swap out the topic/links), so it saves you time each week?

Send us Fan Mail NO More Excuses, Wake Up! Entrepreneurship Made Simple: You Don’t Need a Million—Just a Moment Episode Summary: In this episode of No More Excuses. Wake Up!  You don’t need a million dollars, a fancy degree, or a “perfect plan” to start your business—you just need to start. In this episode, I’m sharing what it really takes to become an entrepreneur today, drawing from my own experience building JOY (Just Our Youth), A Second Touch, and my real estate career, plus real-life stories of founders who started small and scaled big. You’ll hear powerful success stories—from Sarah Blakely launching Spanx with $5,000 while selling fax machines, to Brian Scudamore turning one truck into 1-800-GOT-JUNK?, to Christina Stembel transforming her flower hobby into a $30 million company. We’ll cover the five traits all successful entrepreneurs share (hint: none of them require money), the surprising truth about startup funding, why side hustles are leading the way, and the first simple steps you can take right now to get your business moving. If you’ve been waiting for the “right time,” this episode will show you why now is the time—and why your biggest regret might be not starting sooner. What You’ll Learn in This Episode: The five key traits of successful entrepreneurs (and why money isn’t one of them)Real-life startup stories that prove you can start small and still go bigThe truth about where 82% of startup funding really comes fromWhy keeping your day job while starting a business can increase your odds of successThe power of side hustles and how they often grow into full-time venturesThe one-page business plan approach that beats 50-page plans every timeHow to take your first small step toward entrepreneurship—todayResources & Links: Visit: StenellMyersEnterprises.com – Learn more about my businesses and download your free budget spreadsheetFollow me on Instagram: @StenellTheMoneyTherapistEmail me: [email protected] rate and review No More Excuses. Wake Up! on iTunes or Spotify to help more people find the show.

Send us Fan Mail No More Excuses. Wake Up! — Planning for College Without Drowning in Debt Episode Summary In this episode of No More Excuses. Wake Up!  Student loan debt in America has exploded to $1.5 trillion, impacting over 45 million borrowers—more than the entire population of Canada. In this episode, we break down why this crisis is reshaping the future of an entire generation and, more importantly, what families can do right now to avoid becoming part of the statistics. We discuss the hidden costs of college, why the financial conversation should start as early as middle school, and practical strategies to earn college credits early, save thousands through community colleges, and make smarter school choices. From understanding Parent PLUS Loans to using 529 plans and alternative savings accounts, we explore real solutions that can protect your family’s financial future. What You’ll Learn in This Episode: The true scope of America’s student loan crisis.Why college planning should start by 8th grade.How community college and public universities can save tens of thousands.The risks of Parent PLUS Loans and how they can follow you for life.How to leverage 529 plans and brokerage accounts for flexibility.The hidden expenses beyond tuition—and how to prepare for them.Practical alternatives like working part-time, starting at community college, or setting realistic budget limits.Key Takeaways: College is an investment, but not all investments guarantee a return—be strategic.Saving early and using cost-cutting strategies can help students graduate without crippling debt.Families need to make informed decisions, not emotional ones.Connect with Stenell Myers Website: StenellMyersEnterprises.com – Explore my agencies, the Money Therapy Institute, and download your free budget spreadsheet. Email: [email protected] Social Media: @StenellTheMoneyTherapist Tampa Bay Realtor – Helping you get the home you need, when you need it. If You Enjoyed This Episode Please rate and review No More Excuses. Wake Up! on iTunes or Spotify to help more people find the show.