The Connecticut housing market is chaotic right now and that's not necessarily a bad thing, depending on which side of the fence you're on. Jonathan Archer, our most listened-to guest and a Connecticut real estate agent, is back for round two.

We cover the current state of the market, what's driving mortgage rate volatility, and what buyers and sellers actually need to know heading into the spring of 2026. We get into rent vs. buying (spoiler: renting is still more expensive per square foot than owning in most of CT), the CHFA Time to Own program for first-time buyers, VA loan changes, the NAR settlement and what it means for buyers and agents, and why the relationships between your agent, lender, and attorney matter more than ever right now. Plus — rates were approaching the high fives and then shot up almost overnight. We explain why, what's behind it, and why waiting for the "perfect rate" could actually cost you more. If you're thinking about buying, selling, or renting in Connecticut, this one's for you.

Reach Jonathan Archer: https://www.margaretwilcoxteam.com/agent-profile/Jonathan-Archer-117129386

⏱️ TIMESTAMPS 0:00 – Welcome back, Jonathan Archer (the most listened-to episode returns)

0:35 – One word to describe the CT housing market: "Chaotic" 1:42 – Why renting costs more per square foot than owning

2:13 – COVID's role in the inventory crisis

4:20 – CHFA Time to Own: $25K forgivable loan for first-time buyers

5:30 – VA loan changes and the old appraisal stigma

6:51 – What we're no longer seeing: cash offers, waived inspections

8:11 – Spring 2026 market: more inventory, but buyers are pausing

9:25 – West Hartford vs. Glastonbury: two very different stories

14:40 – The NAR settlement explained: what changed for buyers and agents

17:22 – Why your agent's reputation can win (or lose) a deal

21:00 – How to interview a buyer's agent in today's market

24:47 – Tariffs, war, and market volatility: what changed in March 2026 26:59 – Mortgage rates: how we went from almost-5% to 6.75% overnight

29:52 – "Marry the house, date the rate" does that still hold up?

32:31 – Focus on the monthly payment, not the sticker price

33:00 – Connecticut mill rates and property taxes: the hidden cost no one talks about

35:00 – Advice for buyers right now: don't get attached, don't rush

36:10 – Trust your team: the real cost of not listening to your professionals

38:09 – AI and real estate: why ChatGPT gave bad CT market data (and why Claude is different)

41:08 – Spring market is here — why you need to start the process NOW

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

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Millennials love to travel — and apparently, we really love to cruise. Derek and Kelly sit down with cruise expert and travel consultant Pam Sanzo (Pamrock Inspired / Cruise Brothers) for a deep dive into everything you need to know before booking your next vacation. From how to actually save money on a cruise to whether the drink package is worth it, this one is packed with real, practical advice from someone who has been in the industry for 30 years.

They cover what to book early (and why waiting for a deal is usually a mistake), how to pick the right cruise line for your travel style, what NOT to skip on a private island stop, and the travel hacks that could save you from showing up to your ship with nothing but a backpack.

Whether you're a first-time cruiser or a seasoned sailor, this episode will help you travel smarter — and spend less.

Topics covered:

• Why you should use a travel agent instead of booking online

• Royal Caribbean vs. Norwegian vs. Virgin — who wins for which traveler

• The truth about the cruise drink package (the math might surprise you)

• Group cruise rates and what perks you actually unlock

• Shoulder season travel and when Caribbean deals actually happen

• Private islands like Perfect Day at CocoCay — hype or worth it?

• Kids clubs, family cruising, and tips for traveling with children

• Travel hacks: carry-on packing, passport tips, and arriving a day early

• River cruises, Alaska itineraries, and exotic destinations for the bucket list

Want to reach Pam? Here is her website: https://pamroc.cruisebrothers.com/cb/

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

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We went to Reddit so you don't have to.

Derek and Kelly (plus producer Justin, making a rare on-mic appearance) pulled the most common financial questions people are actually asking on Reddit and answered them straight. No jargon. No vague advice. Just real answers.

In this episode:

What's the right amount to spend on a car? (Kelly just bought a Rivian, so we're starting here)

Student loans vs. 401k — where does your money go first?

What actually happens to your 401k when you change jobs?

Building an emergency fund when you're living paycheck to paycheck

How to talk to your partner about money without it turning into a fight

What does a financial planner actually do — and do you even need one?

Is it too late to start saving for retirement at 35?

How to start investing with only $100 a month Individual stocks vs. index funds — what the numbers actually say

Real estate vs. index funds: the "it depends" answer Is it worth buying a home right now with these interest rates?

How to negotiate your salary (including the advice nobody talks about) $30,000 in credit card debt — where do you even start?

Is life insurance worth it if you don't have kids?

If you've ever typed a financial question into Reddit and gotten 47 conflicting answers, this episode is for you.

🎙️ Millennial Money Matters is hosted by Derek Mazzarella, CFP® and Kelly Turner, Mortgage loan officer

📩 Have a question for a future episode? Drop it in the comments.

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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.

Millennial Money Matters just got a visit from someone who might be running the most relatable business for parents right now.

Kim Conti is the founder of Orbit Crates, a toy rental subscription that delivers curated toys to families with kids ages 0-6. Think of it like Netflix for toys. 500 titles to choose from, doorstep delivery, swap whenever the kids are done. No clutter. No waste. No more stepping on the same Fisher-Price toy for 18 months.

But this episode isn't just about toys. It's about what actually happens when you leave a corporate job to chase a dream, with three kids at home and a finite cash runway staring you down.

Kim gets into the real stuff: how she and her husband drew a hard line on business and personal finances, why she spent her first six months raising non-dilutive startup capital instead of running the business, and what it actually feels like to be the business owner who's also the marketer, the operator, and the one packing boxes in her spare room. (The kids are not allowed in that room.)

Derek and Kelly weigh in on the financial side of the founder journey: when to reinvest in the business versus pull money out, why too many entrepreneurs skip the tax professional until it's too late, the LLC structure mistakes that quietly cost business owners serious money, and how cash flow planning changes everything when revenue isn't predictable month to month.

Also: Great Wolf Lodge is basically a wet kids casino. You heard it here first.

https://orbitcrates.com/

Reach out to Kim Conti at kim@orbitcrates.com, Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

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Big news just dropped from the Federal Reserve—and it has real implications for your money. In this timely episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella break down the announcement of a new Federal Reserve Chair, Kevin Warsh, and explain what this leadership change could mean for interest rates, mortgages, savings accounts, and the broader economy .

Rather than reacting to headlines or political noise, this episode focuses on how the Fed actually works, why independence matters, and how Fed decisions show up in your everyday financial life.

In this episode, we cover:

• Who the Federal Reserve is and what its two core mandates are

• What a new Fed Chair means (and what it doesn’t)

• The difference between Fed rate cuts and mortgage rates

• Why savings accounts and credit cards react faster than mortgages

• Quantitative easing explained in plain English

• Dovish vs. hawkish policy and why it matters

• The tension between inflation and unemployment

• Why groceries feel more expensive even when inflation is “down”

• How political volatility impacts markets and lending behavior

• What millennials should actually pay attention to over the next 6–12 months

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If you’ve ever felt like Fed news is “above your head,” this episode breaks it down in a way that helps you make smarter decisions about borrowing, saving, and investing.

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.

It’s a new year—and with it comes new financial trends, cultural shifts, and economic uncertainty. In this episode of Millennial Money Matters, Kelly Turner and Derek Mazzarella kick off the year by breaking down what 2026 could look like for millennials, from housing and investing to spending habits and lifestyle changes .

This episode blends economic analysis with millennial culture, exploring why nostalgia is back, why stability is becoming more valuable than hustle culture, and how chaos in the world is shaping financial behavior.

In this episode, we discuss:

• Why nostalgia and “comfort trends” are making a comeback

• The return of early-2000s culture and what it says about today’s economy

• Housing market realities: inventory shortages, rates, and buyer expectations

• Why a housing crash is unlikely despite online predictions

• Government policy changes and how they affect mortgage rates

• Why lower rates could actually push home prices higher

• The divide between the top 20% and bottom 80% of the economy

• Inflation fatigue, rising everyday costs, and the search for stability

• Why millennials are shifting away from risky financial hacks

• How to think about savings, investing, and diversification in uncertain times

Rather than chasing predictions or panic headlines, this episode focuses on how millennials can adapt, plan, and make smarter financial decisions in a rapidly changing world.

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.

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.