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	<title>Matthew Sapaula&#039;s Money Smart Radio - Financial talk show, podcasts and personal finance blog for middle-class homeowners, real estate investors, entrepreneurs and faith-based leaders - Chicago, IL</title>
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	<description>Chicago-based financial radio talk show host Matthew Sapaula crusades a message to help people transform the way people feel, think and manage their money!  When areas of financial planning, finding money for college and starting your own business start to overwhelm you, tune in to listen to the latest tips, guest financial and business experts and discover answers to community questions.</description>
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	<itunes:summary>Chicago-based financial radio talk show host Matthew Sapaula crusades a message to help people transform the way people feel, think and manage their money!  When areas of financial planning, finding money for college and starting your own business start to overwhelm you, tune in to listen to the latest tips, guest financial and business experts and discover answers to community questions.</itunes:summary>
	<itunes:author>Money Smart Guy - Matthew Sapaula</itunes:author>
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		<itunes:name>Money Smart Guy - Matthew Sapaula</itunes:name>
		<itunes:email>mgs@moneysmartradio.com</itunes:email>
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	<managingEditor>mgs@moneysmartradio.com (Money Smart Guy - Matthew Sapaula)</managingEditor>
	<itunes:subtitle>Chicago-based financial radio talk show host Matthew Sapaula crusades a message to help people transform the way people feel, think and manage their money!  When areas of financial planning, finding money for college and starting your own business star...</itunes:subtitle>
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		<item>
		<title>VIDEO: Stop Drinking the Company 401k Plan Kool-Aid</title>
		<link>http://www.moneysmartradio.com/2010/07/07/video-stop-drinking-the-company-401k-plan-kool-aid/</link>
		<comments>http://www.moneysmartradio.com/2010/07/07/video-stop-drinking-the-company-401k-plan-kool-aid/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 13:37:07 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[401(k)]]></category>
		<category><![CDATA[401k fees]]></category>
		<category><![CDATA[60 Minutes]]></category>
		<category><![CDATA[Brooks Hamilton]]></category>
		<category><![CDATA[David Wray]]></category>
		<category><![CDATA[mutual funds]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2729</guid>
		<description><![CDATA[The 401(k) dilemma, dropping account values and resistance to opening statements piling up lead many to further financial confusion and isolation.  Compound this with job layoffs and increasing unemployment rate have caused many financial homes to crumble.  Here are my notes and thoughts from this segment on CBS's 60 Minutes.]]></description>
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		<slash:comments>2</slash:comments>
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		<title>21 Reasons Why People Go to Church and How it Affects Their Lives</title>
		<link>http://www.moneysmartradio.com/2010/06/30/21-reasons-why-people-go-to-church-and-how-it-affects-their-lives/</link>
		<comments>http://www.moneysmartradio.com/2010/06/30/21-reasons-why-people-go-to-church-and-how-it-affects-their-lives/#comments</comments>
		<pubDate>Thu, 01 Jul 2010 03:58:48 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[Angie Kardashian]]></category>
		<category><![CDATA[Chicago-based financial talk radio show fans]]></category>
		<category><![CDATA[El Toro]]></category>
		<category><![CDATA[Facebook]]></category>
		<category><![CDATA[financial confusion]]></category>
		<category><![CDATA[financial distress]]></category>
		<category><![CDATA[Going to Church]]></category>
		<category><![CDATA[John Heerhold]]></category>
		<category><![CDATA[Lasting Happiness]]></category>
		<category><![CDATA[Marine Corps]]></category>
		<category><![CDATA[Pastor Rick Warren]]></category>
		<category><![CDATA[Preparing for Change]]></category>
		<category><![CDATA[Saddleback Church]]></category>
		<category><![CDATA[thanksgiving]]></category>
		<category><![CDATA[True Wealth and Success]]></category>
		<category><![CDATA[Tustin]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2689</guid>
		<description><![CDATA[As we all know, fame, fortune and success in itself doesn't bring lasting happiness.  (Right?) Sure, if you are going to be miserable, you're probably better off being depressed and long-faced in your mansion.  Nevertheless, I have worked daily, over the past 12 years with some of the country's deepest, most personal financial issues.  For many, this has become an extremely humbling, past few years laden with complexity beyond anyone's expectation.  The good thing, a silver-lining if you will, is that when you find yourself on your knees...that's where God speaks to you in such a profound manner.]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Mom Marvels at NFL Houston Texans Cheerleader Tryout and Reveals Her Secret to Success</title>
		<link>http://www.moneysmartradio.com/2010/06/23/mom-marvels-at-nfl-houston-texans-cheerleader-tryout-and-reveals-her-secret-to-success/</link>
		<comments>http://www.moneysmartradio.com/2010/06/23/mom-marvels-at-nfl-houston-texans-cheerleader-tryout-and-reveals-her-secret-to-success/#comments</comments>
		<pubDate>Wed, 23 Jun 2010 17:48:39 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[Video]]></category>
		<category><![CDATA[Houston Texans Cheerleaders]]></category>
		<category><![CDATA[Matthew Sapaula]]></category>
		<category><![CDATA[money smart radio]]></category>
		<category><![CDATA[NFL]]></category>
		<category><![CDATA[Overcoming Obstacles]]></category>
		<category><![CDATA[Pursuing Your Dreams]]></category>
		<category><![CDATA[Removing Excuses]]></category>
		<category><![CDATA[Sharon Pascual-Diaz]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2668</guid>
		<description><![CDATA[Frustrated with being told NO or that your investment of time and money not quite paid off? Don't tell that to Sharon Pascual-Diaz who has tried out for the NFL's Houston Texans Cheerleading Squad for seven straight years.  This year, is different, as she reveals her story on Money Smart Radio!]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Job Security: Mislead From a Young Age</title>
		<link>http://www.moneysmartradio.com/2010/06/23/job-security-mislead-from-a-young-age/</link>
		<comments>http://www.moneysmartradio.com/2010/06/23/job-security-mislead-from-a-young-age/#comments</comments>
		<pubDate>Wed, 23 Jun 2010 07:00:49 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Entreprenuership]]></category>
		<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[alternative income]]></category>
		<category><![CDATA[best network marketing system]]></category>
		<category><![CDATA[best network marketing tips]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[Home Based business]]></category>
		<category><![CDATA[how to succeed]]></category>
		<category><![CDATA[John Heerhold]]></category>
		<category><![CDATA[live full time]]></category>
		<category><![CDATA[Network Marketing]]></category>
		<category><![CDATA[part time business]]></category>
		<category><![CDATA[Plan B]]></category>
		<category><![CDATA[success]]></category>
		<category><![CDATA[top marketing]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2658</guid>
		<description><![CDATA[We have all heard the phrase from a young age "Go to School and study hard so you can get a safe secure job" right? Did you believe it like I did? I mean I must have heard that a hundred times from well meaning authority figures like parents, grand parents, teachers and other mentors when I was young. So if that was so true why was I downsized out of 3 jobs in 4 years by the companies I was working for? I will tell you why because what we were taught is not good advice in todays marketplace. If you think you have job security working for someone else I bet you believe in the Easter Bunny. Don't take it personally but it job security does not exist.]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>What You May Not Be Getting From Bank Financial Advisors</title>
		<link>http://www.moneysmartradio.com/2010/06/16/what-you-may-not-be-getting-from-bank-financial-advisors/</link>
		<comments>http://www.moneysmartradio.com/2010/06/16/what-you-may-not-be-getting-from-bank-financial-advisors/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 14:24:37 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Guest Posts]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[bank financial planner]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[retirement plan]]></category>
		<category><![CDATA[Yolander Prinzel]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2638</guid>
		<description><![CDATA[Finding a financial advisor that you respect and trust is not always an easy task. And considering the fact that you are entrusting this advisor with your hard-earned dough, it is not a decision you want to make in a hurry or without all the information.]]></description>
		<wfw:commentRss>http://www.moneysmartradio.com/2010/06/16/what-you-may-not-be-getting-from-bank-financial-advisors/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Matthew Sapaula Provides Financial Tips for Military Personnel on SCORE TV</title>
		<link>http://www.moneysmartradio.com/2010/06/15/matthew-sapaula-provides-financial-tips-for-military-personnel-on-score-tv/</link>
		<comments>http://www.moneysmartradio.com/2010/06/15/matthew-sapaula-provides-financial-tips-for-military-personnel-on-score-tv/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 03:42:28 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Entreprenuership]]></category>
		<category><![CDATA[Media Appearances]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Video]]></category>
		<category><![CDATA[Chicago Entrepreneurs]]></category>
		<category><![CDATA[Financial Planning for Veterans]]></category>
		<category><![CDATA[GI Bill]]></category>
		<category><![CDATA[Marine Corps]]></category>
		<category><![CDATA[Mark Goodman]]></category>
		<category><![CDATA[Matthew Sapaula]]></category>
		<category><![CDATA[Military Education]]></category>
		<category><![CDATA[SBA]]></category>
		<category><![CDATA[SCORE Chicago]]></category>
		<category><![CDATA[SCORE TV]]></category>
		<category><![CDATA[Veterans Benefits]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2633</guid>
		<description><![CDATA[Whether you are in the military now, plan to be in the future, or have recently left you need to be on top of your game regarding future financial plans and taking full advantage of all your veteran’s benefits. Matthew Sapaula recently met with SCORE Chicago to discuss some strategic financial planning moves for those who are in the military.]]></description>
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		<slash:comments>1</slash:comments>
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		<title>#1 Financial Advisor Joel Wymer on Money Smart Radio</title>
		<link>http://www.moneysmartradio.com/2010/06/12/1-financial-advisor-joel-wymer-on-money-smart-radio/</link>
		<comments>http://www.moneysmartradio.com/2010/06/12/1-financial-advisor-joel-wymer-on-money-smart-radio/#comments</comments>
		<pubDate>Sat, 12 Jun 2010 12:38:47 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Video]]></category>
		<category><![CDATA[Beacon Journal]]></category>
		<category><![CDATA[Buckets of Money]]></category>
		<category><![CDATA[Chicago financial talk show]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Getting Rich]]></category>
		<category><![CDATA[Grow Your Cash Flow]]></category>
		<category><![CDATA[Joel Wymer]]></category>
		<category><![CDATA[Matthew Sapaula]]></category>
		<category><![CDATA[money smart radio]]></category>
		<category><![CDATA[Retirement Planning Myths]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2612</guid>
		<description><![CDATA[Every once in a while you get to meet someone who resonates and echoes your passion, core values and methodologies.  In the field of personal finance counselors, financial advisors and financial planners that is very tough to find.  Then comes along Joel Wymer from Akron, Ohio who has recently been voted by the Beacon Journal as the #1 financial advisor in his community.  ]]></description>
		<wfw:commentRss>http://www.moneysmartradio.com/2010/06/12/1-financial-advisor-joel-wymer-on-money-smart-radio/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>How to Unleash Money Smart Kidpreneur Creativity?</title>
		<link>http://www.moneysmartradio.com/2010/06/11/how-to-unleash-money-smart-kidpreneur-creativity/</link>
		<comments>http://www.moneysmartradio.com/2010/06/11/how-to-unleash-money-smart-kidpreneur-creativity/#comments</comments>
		<pubDate>Sat, 12 Jun 2010 04:13:48 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Guest Posts]]></category>
		<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[kidpreneur]]></category>
		<category><![CDATA[LaRon Carter]]></category>
		<category><![CDATA[parenting]]></category>
		<category><![CDATA[workforce]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2613</guid>
		<description><![CDATA[Does your child have non-traditional pursuits of interest?  It doesn’t have to be odd interest like collecting all those single socks that come up missing in the laundry for some unknown ongoing school project.  His thing could be something you don’t have an interest in, nor, do you believe it’s worth sacrificing for, like editing digital photography or developing gaming programs.]]></description>
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		<slash:comments>1</slash:comments>
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		<title>You Don&#8217;t Need More Money &#8211; You Need Better Tools</title>
		<link>http://www.moneysmartradio.com/2010/06/10/you-dont-need-more-money-you-need-better-tools/</link>
		<comments>http://www.moneysmartradio.com/2010/06/10/you-dont-need-more-money-you-need-better-tools/#comments</comments>
		<pubDate>Thu, 10 Jun 2010 16:26:02 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Guest Posts]]></category>
		<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[debt-free]]></category>
		<category><![CDATA[Dr. Wayne Dyer]]></category>
		<category><![CDATA[Edward Sanchez]]></category>
		<category><![CDATA[financial freedom]]></category>
		<category><![CDATA[NPR]]></category>
		<category><![CDATA[Peter Buffet]]></category>
		<category><![CDATA[Registered Financial Consultant]]></category>
		<category><![CDATA[Renee Montagne]]></category>
		<category><![CDATA[self realization]]></category>
		<category><![CDATA[Warren Buffet]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2602</guid>
		<description><![CDATA[Financial freedom is not about making more money; it is about getting control of the money you are bringing home today.  Too many of us focus our attention on earning more money, getting a raise or a better job.  Just as many consumers blame their debt levels on low wages or a dead-end job.  Don’t blame the job and don’t blame the money.  When you look inside, you’ll find where to put the blame.]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Aligning Beliefs With Investment Strategy</title>
		<link>http://www.moneysmartradio.com/2010/06/10/aligning-beliefs-with-investment-strategy/</link>
		<comments>http://www.moneysmartradio.com/2010/06/10/aligning-beliefs-with-investment-strategy/#comments</comments>
		<pubDate>Thu, 10 Jun 2010 13:07:40 +0000</pubDate>
		<dc:creator>Money Smart Guy - Matthew Sapaula</dc:creator>
				<category><![CDATA[Guest Posts]]></category>
		<category><![CDATA[Retirement Planning]]></category>
		<category><![CDATA[Asset Allocation]]></category>
		<category><![CDATA[ETF]]></category>
		<category><![CDATA[Investment Strategy]]></category>
		<category><![CDATA[mutual funds]]></category>

		<guid isPermaLink="false">http://www.moneysmartradio.com/?p=2595</guid>
		<description><![CDATA[Although discussing investment strategy is a little like discussing religion, I thoroughly enjoy an honest debate on different investment strategies.  One thing I’ve noticed, however, is that many people do not first examine their own beliefs about market behavior and investment philosophy before developing an investment strategy, which can lead to inconsistencies between beliefs and behavior.  Here are seven questions that should be wrestled with and resolved before developing an investment strategy.]]></description>
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		<slash:comments>3</slash:comments>
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