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Monday, 04 December 2017 14:52

Episode 20 - Get a Money Life: Interview with Mrs. Denise Mann


Episode Description:

Get a Money Life: Interview with Mrs. Denise Mann

We like to do something special to mark every 10th episode, and with our 20th podcast we are delighted to welcome Mrs. Denise Mann to impart some wisdom and guidance regarding money, career, and spending. Mann has led Dave Ramsey Financial Peace University classes before and she will share some of her insights with us.

Christmas can easily become a time of out-of-control spending, giving people debts to face at the start of the new year. She will share some Christmas-time money tips too.

The bumper music is Bill Monroe (1911-1997) and his band “The Blue Grass Boys” singing “Christmas Time’s a Comin.’” Bill Monroe is known as the “Father of Bluegrass Music,” a famous music genre from the Appalachian region of the US.

Word of the Day: budget (noun, verb) to make a plan to handle money, time or resources

It’s important to have a budget, so you can tell your money where to go, instead of wondering “where did it go?” (noun)

“Be sure you budget your time wisely, so you can finish your projects by the due date,” Mr. Crawford reminded his students. (verb)

Question of the Day: What is the most valuable piece of financial advice you’ve ever received? 

Listen to Episode 20 below:

Listen Here


Check your listening ability:

1. Summarize Mrs. Mann's recommendations for how to view Christmas in terms of money.


2. What does it mean to keep up with the Joneses?

A. a strategy in marathon running to continuallly try to pass the next person in front of you

B. the attempt to maintain outward appearances in terms of financial and social success in order to be accepted or seen highly

C. to maintain the most current knowledge of the news cycle

D. used when you are in traffic with the same person next to you for more than 5 blocks


3. What is a common issue people in their early 20s struggle with in terms of money?


4. ________ is a quick and easy way to have stuff, without saving or hard work.


5. Why is delayed gratification more satisfying than an instaneous purchase? 


6. In the example Mr. Dreyer shared about students who were given marshmallows, which students were found to have better performance in school?


7. T/F A personal budget is a good thing in and of itself.


8. How often does Dave Ramsey recommend you look at your budget?

A. Once a month

B. Once a week

C. Each time you are paid

D. Whenever it crosses your mind


9. Name a way to save yourself from college debt and car payments.


10. How is the word pitfall used at 31:05?

A. a person who has fallen into a hidden hunting trap

B. a dangerous thing to be aware of

C. opposite of mountaintop experiences

D. a designated trash can for the pits of fruit 


Answer Key:

1. There are a lot of expectations about Christmas. If you start thinking about it in November and December, you'll overspend, be more stressed, and might go into debt to afford the holiday. Remember what the holiday is really about and don't be afraid to skimp on traditions or presents to save money. Though it seems early, in January or Februrary, start thinking about and planning for the next Christmas by looking at your spending last Christmas. Put the budget in terms of monthly payments and see if you can spend less throughout the year as you plan ahead of time.

2. B. the attempt to maintain outward appearances in terms of financial and social success in order to be accepted or seen highly

3. Food, clothes, college, comparing their status with the achievements of adults

4. Debt

5. You can be proud of yourself and satisfied in your work ethic and virtue practice of waiting and saving.

6. Those who didn't immediately eat the marshmallow, but waited 5 minutes for more.

7. False - a personal budget can be extremely helpful and telling in how you use money, but it is not good or bad. It is a plan and outline for how money is used in your household.

8. A. Once a month

9. Can include: attending community college, buying an ugly but affordable car

10. B. a dangerous thing to be aware of



Do you want to improve your listening ability? Contact Scott today to see what class you can take to improve that skill!

Have a question or feedback? Maybe a topic you’d like to hear in a future episode? Please email Scott at This email address is being protected from spambots. You need JavaScript enabled to view it.. We’d love to hear from you! If you enjoy our podcasts, please subscribe, write a review, and share them on social media and by word of mouth! Those are GREAT ways to help more people find our podcasts. Please also visit us at; check out the blog posts at the bottom of the page for more information about life in the USA and the crazy English language.


Scott Dreyer

A licensed teacher in the US state of Virginia since 1987, Scott Dreyer has been helping Chinese speakers improve their English since 1989. Dreyer lived in Taiwan from 1989-1999 where he learned Mandarin, met his wife, started his family, and realized he loved working with Chinese students. He became an award-winning author and started teaching ESL online in 2008. Dreyer and his wife and their four adult children make their home in the beautiful Roanoke Valley in the Blue Ridge Mountains of Virginia.