The year is coming to a close. There may be year-end financial to-do’s that have escaped your mind.  Here is our year-end financial checklist so you can thrive in the new year! Also, we're hosting The Hope Effect for our Be the Change segment. This charity focuses on helping orphans globally have a better life. Last but not least, Zoey is back for another Money Quiz - a holiday edition!  SPONSORS Personal Capital:  Get access to FREE financial tools that help you invest more efficiently and build wealth for your family. Click the link for more details. My Life in a Book: A keepsake book for your older loved ones! To save $10 off your first purchase, use discount code "MKM". RESOURCES Mint:  The free budgeting app our family has used for a decade.  Side Hustles for Parents:  30 Ideas Moms and Dads can do from home to make $30/hr or more.  Quotacy:  Get a term life insurance quote today and protect your family from the unexpected.  Big Tip Tuesday:  The details of how our random acts of kindness challenge works and where to share your kindness. The Hope Effect:  Consider donating to support orphans globally. ORGANIZATION OVERVIEW - The Hope Effect Millions of orphaned and vulnerable children around the world are growing up without the love of a family. But there is clear and compelling research on the damaging effects of traditional, institutional orphan care. Children should not grow up in orphanages…kids do best when they are raised in families. The Hope Effect is changing orphan care by providing innovative family-style care, which allows every child to flourish and thrive. We are changing the way the world cares for orphans…because every child deserves a family. FOUNDER - Joshua Becker Joshua Becker is an author, speaker, and philanthropist. He has written several best-selling books on minimalism, and his website Becoming Minimalist has more than one million readers each month. Inspired by his wife’s experience being adopted, Joshua founded The Hope Effect in 2015. EXECUTIVE DIRECTOR - Joe Darago Joe is the founder and executive director of The Hope Effect. Joe’s journey into the orphan care world began more than 20 years ago when he and his wife adopted their daughter Sydney from Korea. Seven years ago, they adopted again – this time an older child from Thailand who spent the early part of her life in an institution. Joe has seen firsthand that children develop best when they are in a family environment, and he is passionate about seeing orphans cared for – not in institutions, but in families. OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness:  10 Steps to a Better Tomorrow (Today) Inflation Up, Stocks Down. What Should I Do?  50% to 10%:  Why We're Happy Saving Less in FIRE Journey MKM RESOURCES MKM Coaching:  Request a free 15-minute consultation today YouTube:  Subscribe for free to watch videos of these episodes and interviews Instagram:  Follow our IG channel Voicemail:  Leave your question or comments here  Merch Store:  Check out our t-shirts, hoodies, and coffee mugs! SHOW INFORMATION:  Marriage Kids and Money Marriage Kids and Money is dedicated to helping young families build wealth and happiness. This award-winning platform helps couples and parents achieve financial independence and discover the true meaning of wealth.  To achieve these big goals, we answer questions and interview experts who uncover smart net worth building habits and tools that can help everyone find their own version of financial independence. Learn more at https://www.marriagekidsandmoney.com HOST BIO:  Andy Hill Andy Hill is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness.  Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger’s Personal Finance and NBC News. With millions of downloads and views, Andy’s message of family financial empowerment has resonated w