Original Show Notes: Student loans   Matt Spillar is the creator of Spills Spot, which started out as a place to create a portfolio for his writing. Once Matt got into the meat of the site however he realized that he wanted it to be much more and it has since has evolved into a full on personal finance blog where he inspires people to be more mindful in managing their money. Matt has managed to pay off over $40,000 of student loan debt in 4 years and loves inspiring others to do the same. He currently resides in the Bay area with his wife and two dogs. Welcome Matt! [2:22] So let’s talk about the blog’s name- Spill Spot, there’s more a story to the name isn’t there? ·      Came from his last name ·      Was short and sweet [3:4] One of your recent posts was about how you paid off $15k in only 10 Months, I have to ask did you plan to do $15k or did you just get addicted to paying it off? ·      Graduated in 2013 ·      Took time to figure out budgeting as couple ·      After emergency fund was made- debt payoff started [8:24] Let’s chat about money management, one of your site’s main focuses is on education of millennials, why do you think there is such a gap between millennials and other generations when it comes to money and how do you try address it? ·      We don’t get the education in schools ·      Wantd to make some topics more accessible to others [10:2] What are some awesome tools you can recommend for our listeners to try out? ·      Mint.com ·      Highly recommends at least one- wnab, personal capital [12:29] What is one of the biggest money mistakes or stories you have? ·      No big money mistakes ·      During debt payoff- there are obstacles Sponsors [18:18] Chain of Wealth: If you need a freelance writer- Katie is now available! Value Link Round (VLR) [18:27] Why do people struggle to achieve their dreams? ·      They don’t have clearly defined goals ·      Easy to have big dreams [20:31] Do you have any other books or podcasts you can recommend? ·      Podcast: ChooseFI, Do you even blog ·      Books: Dave Ramsey- the total money makeover, simple path to wealth [21:23] Do you have a favorite quote? ·      Be more concerned with your character than your reputation, because your character is what you really are, while your reputation is merely what others think you are. [22:10] Any other last advice? ·      If you’re struggling or in debt- don’t give up Support this podcast at — https://app.redcircle.com/shows/11f32da4-3081-471f-bf51-ea341b89ab1d/tip