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

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

In this episode, we cover:

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

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

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

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

• How emotions and pride can sabotage negotiations

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

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

• The importance of experienced agents, lenders, and relationships

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

• Common contract pitfalls that can cost sellers money

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

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

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

Estate planning isn’t just for the wealthy — it’s for anyone who wants to protect their family, business, and assets. In this episode of Millennial Money Matters, Derek Mazzarella sits down with Aaron Frankel of Franklin & Frankel to simplify what most people get wrong about estate planning and explain how to make smart legal decisions before it’s too late.

We cover:

• The essential estate planning documents everyone needs: will, trust, power of attorney, and healthcare proxy

• How to choose the right executor and guardian for your children

• What probate really is — and why you shouldn’t fear it

• The difference between revocable and irrevocable trusts

• Why every business owner needs an LLC and operating agreement

• When to update your estate plan and how often to review it

• The dangers of outdated beneficiaries on retirement accounts and life insurance

• How to protect your home and assets from long-term care costs

• Common mistakes that tear families apart after a death

• Why open communication about money and inheritance is the best legacy you can leave

Whether you’re a millennial just starting a family, a homeowner, or a business owner, this episode breaks down estate planning in plain English so you can protect your wealth and your loved ones with confidence.

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

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

Is real estate actually a smart investment… or is it overrated? In this episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella dive deep into the age-old debate: Real estate vs. stocks. Whether you’re a millennial thinking about your first home, or a seasoned investor looking to grow your wealth, this breakdown will change how you think about buying, renting, and investing in 2025.

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

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