If you listened to our episode with Sabrina Corlette, founder of the Center for Health Insurance Reforms, you are already armed with the information that you need to make a decision about which healthcare plan you want to choose when open enrollment rolls around.But no matter which one you choose, it's also inevitable that at some point you are very likely to receive a medical bill that you didn't expect. That's where negotiation comes in. Our guest today, Braden Pan, founder and CEO of Resolve, a company that negotiates your medical bills on your behalf. He's joining us to talk about how you can do this yourself, how to negotiate your medical bills down, when to settle and pay up, and when to get your insurance company to step in and cover more. Chapters: 00:00 Introduction 10:00 Tips For Negotiating Medical Bills 16:00 How To Be Your Own Advocate 25:00 What To Do If You Can’t Pay the Bill Takeaways: - Before negotiating, gather as much information as possible about your medical bills. - Persistence is crucial when negotiating medical bills.  - Make allies, not enemies. It may take multiple attempts to reach an agreement.  - Many hospitals offer financial aid programs and will be flexible with you.  Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s that time of the year again: yes, it’s spooky season, but it’s also time for open enrollment. This year, it’s absolutely essential that we do a thorough review of all our health insurance options, and make sure we’re choosing the best plan for us — without paying a penny more than necessary. Sabrina Corlette, research professor, founder, and co-director of the Center on Health Insurance Reforms (CHIR) at Georgetown University shares the mistakes she wants you to avoid when choosing a healthcare plan this year.  Chapters: 00:00 Introduction 04:00 What’s New For 2025 Open Enrollment  10:00 Evaluating Plan Options 22:00 Shopping Around For Healthcare 24:00 HSAs vs FSAs 29:00 Mailbag Question 1: Can I open an HSA outside of my employer?  33:00 Mailbag Question 2: I’m coming up against hefty healthcare costs, how do I pay for them without draining my emergency fund?  Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we are bringing you a mailbag with listener Amy. She’s in her early 40s and she is wondering if she should hit the brakes when it comes to saving for retirement because of the other things on her plate. She's working on paying down credit card debt and she wants to be able to afford to move into a nicer home.  So, what's the order of operations here? We’ll dive into some timely advice for her. Chapters: 00:00 Introduction to Financial Priorities 02:57 Understanding Current Financial Situation 06:00 Exploring Debt Management Strategies 09:07 Retirement Contributions and Future Planning 12:12 Real Estate Considerations and Options Have a personal finance question for us or want to jump on a call with Jean so you can get all of your follow-up questions answered? Write in at [email protected]. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Every year during hurricane season, we see that many of you have questions about how to lower the cost of homeowner’s insurance. And we get it — it’s so difficult to know exactly which policies are right for your specific property.  Ben Keys, the Rowan Family Foundation Professor of Real Estate and Finance at the University of Pennsylvania’s Wharton School, shares how to know how much coverage we really need, and walks us through the steps to take to get a better deal on our policies.  Chapters: 00:00 Navigating Homeowners Insurance in a Changing Climate 05:58 Understanding the Rising Costs of Homeowners Insurance 11:52 Assessing Your Insurance Needs and Coverage 17:59 What to Do When Your Insurer Drops You 24:00 Practical Tips for Lowering Your Insurance Premiums Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/hermoney and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show.  Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We know that aging is a privilege, but there is still so much negativity wrapped up with aging — particularly for women who are still thriving in their careers. There’s perhaps no greater blow than to be made to feel we’re “past our prime” just when we finally hit a point in life where we have more clarity and more to offer the world than ever.  Tamsen Fadal, "The Midlife Mentor" on Instagram, joins us to talk about what she’s letting go of now that she’s in her 50s, and the misconceptions we all need to push back on about midlife. Chapters: 00:00 Introduction 05:00 Changing Careers After 50 09:00 Menopause Support At Work 14:00 Debunking Myths About Productivity in Midlife 22:00 Tamen Fadal’s Fashion and Personal Style 25:00 Mailbag: I’m a recent widow, should I sell my historic home to free up cash for traveling? Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/hermoney and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show.  Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we're bringing you an extra special mailbag with friend of the show and Director of Personal Finance and Retirement Planning at Morningstar, Christine Benz. If you listened to our “New Rules for Retirement” episode, then you know all about Christine and why she thinks women need a new playbook for retirement.  We are going to tackle a few of the follow-up questions that came from our viewers on YouTube, go check out our channel if you haven’t already! Chapters: 00:00 Introduction 03:00 Mailbag Question 1: I have 425k saved and want to retire early, what am I missing?  08:00 Mailbag Question 2: I have 700k saved, how much can I safely start to withdraw without running out of money? 12:00 Mailbag Question 3: I’d like to begin converting money from my 401k to my Roth before I retire, is that possible? 17:00 Mailbag Question 4: I’m 62 and after a series of setbacks I’m basically starting over financially. How do I get started saving for retirement this late in the game?  Have a personal finance question for us or want to jump on a call with Jean so you can get all of your follow-up questions answered? Write in at [email protected]. Join our free budgeting webinar on October 15th at 7 PM ET! https://us02web.zoom.us/webinar/register/WN_GXkmVlwFRVGfi39jim9xZQ#/registration Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/hermoney and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show.  Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Admit it: You’re overworked. We spend more time working in America than any other developed country. And maybe you think we’re working extra hours because we’re doing work that feels necessary and engaging and fulfilling — but no. We just don’t care about our jobs as much as we used to.  So, is there a way to ensure we’re doing productive work that we actually enjoy? Brigid Schulte, author of Over Work: Transforming the Daily Grind in the Quest for a Better Life, spent 10 years researching our discontent with work. She eventually found countries, companies, and people who are all doing it better. Here’s what they're doing right, and how to change your situation, ASAP.  Chapters: 00:00 Introduction & Work Culture Overview 05:00 The Shift in Work Expectations 10:00 The History of Work in the US 17:00 Iceland’s Short Work Hour Movement  24:00 Practical Tips to Reduce Overwork in Your Own Life 35:00 Mailbag Question 1: How to manage stock received as part of a divorce 38:00 Mailbag Question 2: ​​Should I pay down debt or max out my retirement savings? Join our free budgeting webinar on October 15th at 7 PM ET! https://us02web.zoom.us/webinar/register/WN_GXkmVlwFRVGfi39jim9xZQ#/registration Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/hermoney and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show.  Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

When was the last time you made a new friend? A real friend, not an online one, a friend that you can actually grab brunch with, or go for a walk with. Our guest today, Adam Smiley Pozwolsky, millennial workplace expert and author of Friendship in the Age of Loneliness: An Optimist’s Guide To Connection says the average American hasn't made a new friend in the last five years, and that 75 percent of us are not satisfied with the friendships we do have. So our challenge for you today after you listen is to go out there and make plans with a new friend or make a plan with somebody that you've been meaning to get back together with for a while and then report back. Drop us a note at [email protected] if you followed through on plans with someone after listening to this episode!  Join our free budgeting webinar on October 15th at 7 PM ET! https://us02web.zoom.us/webinar/register/WN_GXkmVlwFRVGfi39jim9xZQ#/registration Learn more about our Finance Fixx program here and join our next pre-retiree session starting October 7th. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/hermoney and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show.  Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We know that our connections to our families, our friends, and our communities are SO important — so important that when we don’t maintain them, our health and our overall well-being can suffer.  Maintaining our connections in real life is essential, and perhaps nobody knows that better than our guest Danielle Bayard Jackson, known as “The Friendship Expert” on TikTok. Listen in to hear how societal changes, cultural obstacles, and personal expectations have changed the way we maintain our most important relationships.   And then, Allison Gilbert, co-author of “The Joy of Connections” with the late Dr. Ruth, talks about how we can forge deeper connections and show the people we love that we care about them — without going broke in the process.  Join our free budgeting webinar on October 15th at 7 PM ET! Chapters: 00:00 Introduction 02:00 Danielle Bayard Jackson and The Finances of Friendship 06:00 Challenges of Modern Friendships 17:00 The Friendship F.I.L.E.S. Framework 25:00 Transition to Allison Gilbert and The Joy of Connections 36:00 Forming New Connections and “Being the Turtle” 43:00 What Authentic Connections Really Do For Us Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/hermoney and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show.  Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we are bringing you two mailbag questions with our incredible listeners. First, we'll be talking to Beth. She is calling in from upstate New York. Beth is in her early 60s and her company's made the decision to terminate employee pensions, which has left her with some options: Should she take the lump sum? Should she roll it over? We'll dive into some timely advice for her. Then we'll be talking to Sarah. She is wondering how best to start a side hustle as she transitions out of her long-time career as a healthcare executive.  Chapters: 1:00 Mailbag Question 1: My pension is being terminated, help! 5:00 Retirement Annuity Option 8:00 Lump Sum Option  18:00 Mailbag Question 2: How do I get paid for freelance writing? 27:00 Starting A Blog or Substack Have a personal-finance question for us or want to jump on a call with Jean so you can get all of your follow-up questions answered? Write in at [email protected]. Take the MoneyType quiz here and listen to our MoneyType episode for a deep dive here.  Learn more about our Finance Fixx program here and join our next pre-retiree session starting October 7th. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/hermoney and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show.  Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Money is SO personal, and no matter how prepared you think you are to meet your money goals, there are many factors that can throw a wrench into your carefully designed plans. There’s perhaps no greater hurdle to overcome than being part of a community that is historically diminished in conversations about money.  Ellyce Fulmore, a queer ADHD money coach and neurodivergent content creator, joins us to talk about the social and personal identities that make you who you are — and how they shape the way we manage our money.  Chapters: 00:00 Introduction 03:13 Understanding ADHD and Neurodivergence in Money Management 22:37 The Five Account System 30:11 Visual Reminders and Progress Trackers 35:11 Creating a Mental Health Sinking Fund 39:48 Navigating Money Conversations in Relationships 40:00 Transition to Mailbag 41:00 Mailbag Question 1: How do I close a credit card without harming my credit? 49:00 Mailbag Question 2: Should I change my retirement money goals if I’m part of an underrepresented community?  Take the MoneyType quiz here and listen to our MoneyType episode for a deep dive here. Learn more about our Finance Fixx program here and join our next pre-retiree session starting October 7th. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/hermoney and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show.  Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

It finally happened…the Fed lowered interest rates, by a greater-than-expected half a percentage point when they met on Wednesday. This was the first time rates were cut in more than four years, and it’s expected that the Fed may continue cutting the rate at its two remaining meetings before the end of this year.  We’ve heard from many of you who have been waiting to drive off the lot in a new — or new-to-you — car until rates fell. That’s why this week, we’re re-releasing one of our most popular car-buying episodes, all about buying, selling, and the surprising places where you can and can’t negotiate at the dealer.  We’re joined by Scotty Reiss, founder and CEO of A Girls Guide to Cars, a website that’s empowering women to be smarter, happier car owners by arming them with car information. Don’t forget to drop me a note at [email protected] if you used one of Scotty’s tips when you negotiated at the dealer!  Learn more about our Finance Fixx program here and join our next pre-retiree session starting October 7th. Use code PODCAST for a $100 discount.  Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/hermoney and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show.  Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

A few months ago, AARP released a survey that found that one in five Americans over 50 reported having no retirement savings, and over half don’t think they'll have enough money to keep them going in retirement. While many of us used to have pension plans to keep us afloat in retirement, now the vast majority of us rely heavily on Social Security and 401(k)’s.  Our system and our life expectancy are just different now…which means we need to plan differently. (And yes, this means we need to actually make a plan.) Christine Benz, author of How To Retire: 20 Lessons For A Happy, Successful, And Wealthy Retirement, shares her top strategies for planning the retirement of your dreams.  Chapters: 00:00 The Retirement Crisis 02:00 Planning for Longer Lives 04:01 The Shift in Retirement System 06:50 Challenges of Retirement 10:01 Cognitive Decline and Long-Term Care 13:46 The Bucket Approach to Retirement 22:14 How To Calculate Retirement Needs 26:24 The Impact of Taxes on Retirement 29:04 Non-Financial Aspects of Retirement Takeaways:  Many Americans over the age of 50 have no retirement savings, and the retirement crisis is a result of the shift from pension plans to individual savings. Longevity is a significant factor in retirement planning, as people are living longer and need to ensure their savings last. Social security and 401(k) plans play a crucial role in retirement income, but many people are not taking full advantage of these resources. Planning for cognitive decline and long-term care is essential, as it can have a significant impact on financial and caregiving responsibilities. The bucket approach to retirement portfolios, which includes a cash bucket for emergencies, can provide peace of mind and help manage risk. Retirement is not just about money; it also involves relationships, purpose, and personal fulfillment. Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom and learn more at investingfixx.com. Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/hermoney and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show.  Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

CDs (Certificates of Deposit) often get dismissed as "your parent's savings plan"—safe but, let's be honest, a little boring. But in today's high-interest-rate environment, they're making a strong comeback as a smart choice for short- and medium-term savings. With inflation cooling and the Fed expected to cut rates soon, these great rates won’t last forever. Joining us today is banking veteran and CEO of CD Valet, John Blizzard, to break down what CDs are, who should consider them, and whether now is the perfect time to invest. Chapters: 00:00 Introduction 03:14 How To Find the Best CD Rates 05:21 Retail CDs vs. Broker CDs 09:12 Locking in High CD Rates in a Decreasing Interest Rate Environment 11:24 CDs: A Savings Option for Savvy Savers, Retirees, and Event Savers 13:26 Shopping Around and Being Aware of CD Rollover Options 16:24 Considering Digital Capabilities When Opening a CD Takeaways CDs are a long-standing investment option that offer higher interest rates than savings accounts. Finding the best CD rates can be challenging as many community banks and credit unions are not searchable on popular rate comparison websites. With interest rates expected to decrease, now is a good time to lock in high CD rates. Savvy savers, retirees, and event savers are the primary audience for CDs. Shopping around for the best rates and being aware of CD rollover options are crucial. Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom and learn more at investingfixx.com. Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/earninvest and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this double-feature Mailbag, Jean talks to Kathryn and Audrey. Kathryn is a little over a decade from retirement and recently started a new job. In her new role, she'll be eligible to receive a pension when she retires. She's wondering if, in addition, an annuity makes sense for her.  Our next call is from Audrey who’s working on rebuilding her credit after not being employed for a little while. She’s wondering if now is the right time to close the credit cards she opened up that have monthly fees.  Chapters: 1:00 Mailbag Question 1: Do I need an annuity? 5:00 Investing and Planning for Retirement  9:00 Planning for Future Expenses  14:00 Mailbag Question 2: Is now the right time to close credit cards with monthly fees? 19:00 Building up an Emergency Fund 21:00 Goals for Financial Independence  Have a personal-finance question for us or want to jump on a call with Jean so you can get all of your follow-up questions answered? Write in at [email protected]. For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom and learn more at investingfixx.com. Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

From lip butter to Botox, people today are shelling out a lot of money on beauty products and procedures. According to The Aesthetic Society, people in the U.S. spent $11.8 billion on aesthetic procedures in 2022. When it comes to beauty products, one report from Lending Tree shows the average American spends $1,754 annually, with younger generations budgeting even more for beauty (thanks, TikTok). But do we really need to spend big bucks on beauty products and procedures to look our best? Val Monroe, the former longtime beauty director at O Magazine and writer behind the popular Substack How Not To F*ck Up Your Face, says it’s time to get back to basics. She joins us to talk about her simple skincare routine and whether you really need that new product you’re eyeing. Takeaways: Having a simple, effective, and inexpensive beauty routine is key. Surgical procedures should be approached with careful consideration. It’s important to ask who you’re doing this for and learn how to practice radical self-acceptance. Use the five W's (who, what, when, where, why) to make informed beauty purchases. Chapters: 00:00 Introduction and the Shift in Beauty Conversations 03:21 The Importance of a Simple Beauty Routine 17:04 Exploring the Use of Botox and Fillers 27:24 Embracing Self-Acceptance 31:12 Making Informed Beauty Purchases Using the Five W's 32:00 Transition to Mailbag Segment 34:00 Mailbag Question 1: How much skincare do I really need?  38:00 Mailbag Question 2: What is the correct order for skincare products?  40:00 Mailbag Question 3: How long does it take to see results? Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom and learn more at investingfixx.com. Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Grab the exclusive NordVPN deal ➼ https://nordvpn.com/earninvest and get extra subscription time. Try it risk-free now with a 30-day money-back guarantee. Thanks to NordVPN for sponsoring our show.  Use promo code HERMONEY to get an exclusive 60% off an annual plan at incogni.com/hermoney.  Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Did you spend too much this Labor Day weekend? Yeah...us too. Marketers are smart and they're only getting smarter. These days, there is so much targeted marketing based on what we like on Instagram, what we're watching on TikTok, or even (more creepy) the conversations we’re having with friends. Sometimes it can be really difficult not to just click buy when the recommendations are SO spot on.  So, how do we resist? And how do we know when it's really the best time to buy the mattress, or the TV, or the couch, or whatever is featured in that back-to-school special? Mindy Weinstein, marketing and psychology expert, and author of: “The Power of Scarcity, Leveraging Urgency and Demand to Influence Customer Decisions,” says it's all about figuring out if you actually need that thing or if you're a target of what she calls scarcity marketing. Takeaways: Scarcity is a powerful marketing tool that taps into our primal instincts and influences our decision-making process. Scarcity triggers a sense of urgency and fear of missing out (FOMO), leading to impulsive purchases. There are four types of scarcity: demand-related scarcity, supply-related scarcity, limited edition scarcity, and time-related scarcity. Scarcity can be used by individuals to improve their personal and professional lives. Understanding the tactics of scarcity marketing can help make smarter financial decisions. Chapters: 00:00 The Power of Scarcity 03:19 The Science Behind Scarcity in Our Brains 09:11 Four Types of Scarcity 23:31 The Influence of Scarcity in the Economy 25:00 Transition to Mailbag Segment 26:00 Mailbag Question 1: What are the pros and cons of maintaining a long-term care policy?  32:00 Mailbag Question 2: Should I leave my full-time job and take on multiple part-time jobs? Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Close your eyes for a second and step back to the 1940s. Specifically, New York City in the 1940s. You’re walking down the crowded street with a certain pep in your step because guess what? You’re headed to your favorite department store, Lord & Taylor.  Department stores were not only the places where women shopped but also the places where women had power — power they did not have elsewhere at the time. Julie Satow joins us to talk about her new book: “When Women Ran Fifth Avenue: Glamour and Power at the Dawn of American Fashion,” and how women working in department stores in the early 1900s carved new paths for what it means to be a woman at work today. Takeaways: Department stores were not only places where women shopped, but also where they had power and influence. Women who worked in department stores had the opportunity to have successful careers and financial independence. The women highlighted in the book faced challenges and made sacrifices in order to succeed in a male-dominated industry. Chapters: 00:00 Department Stores in the early 1900s  6:00 How Department Stores Empowered Women 14:17 Challenges Working Women Faced 23:36 Inspiration for Women Today 30:00 Transition to Mailbag Segment  32:00 Mailbag Question 1: Where do I put the money my kids made this summer? 37:00 Mailbag Question 2: Will closing my business credit card hurt my credit?  Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom and learn more at investingfixx.com. Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Mailbag, Jean talks to Ally, a 39-year-old single woman who bought a house in 2020 when rates were low and is wondering if now is the right time to upgrade and whether or not to keep her current home as a rental property. Have a personal-finance question for us or want to jump on a call with Jean so you can get all of your follow-up questions answered? Write in at [email protected]. For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom and learn more at investingfixx.com. Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Very classy, very demure, very mindful…that’s how the new TikTok trend that recently went viral from creator Jools Lebron says we should be in the workplace. We should be presentable, wear minimal, clean makeup, and not take up too much space. In other words, we should be bringing a muted version of ourselves to the workplace. Bonnie Hammer, Vice Chairman of NBC Universal and author of: “15 Lies Women Are Told At Work: The Truth We Need To Succeed” has a different take. She says work doesn’t have to be the place where we leave our “fun” real selves behind, not anymore. Listen in to hear the other outdated lies Bonnie says are holding us back at work and the truths we need to succeed.  Takeaways: You can embrace fun, humor, and collaboration at work and still be taken seriously. Follow the opportunities and be open to learning new skills rather than focusing on chasing one big dream. Personal worth and professional worth and not the same thing. In a professional setting, it’s important to work hard to prove yourself.  Stereotypically female characteristics, such as empathy and collaboration should be seen as strengths in the workplace, not weaknesses.  Chapters: 00:00 Introduction 2:55 Embracing Fun and Authenticity in the Workplace 04:33 Following Opportunities Instead of Chasing Dreams 08:14 Differentiating Personal Worth and Professional Worth 13:54 Embracing Stereotypically Female Characteristics as Strengths 19:52 Supporting and Uplifting Women in the Workplace 29:54 Embracing Change and Paying It Forward 35:00 Transition to Mailbag Segment 38:00 Mailbag Question 1: Pre-retirement, should I pay off my home or put more money into an annuity?  43:00 Mailbag Question 2: I want to retire when I’m 56, do I have enough saved?  Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom and learn more at investingfixx.com. Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Last week, 2.9 billion records of personal data were for sale, from people in the US, Canada, and Britain, stolen from a company that does background checks called National Public Data. This data breach included the holy grail, Social Security numbers.  This is just one of the thousands of data breaches that have happened so far this year and a continuation of a growing pattern. Kim Komando joins us to share the 4 simple steps you can take right now to protect your data online.  Takeaways:  Data breaches can have devastating financial and emotional effects. Free and paid solutions are available to remove personal information from public databases, but paid services may offer more comprehensive protection. Using strong, unique passwords and enabling two-factor authentication are important for data security. Staying informed about technology and its implications is crucial for maintaining data security. Chapters: 00:00 The Impact of Data Breaches 02:34 How To Check if Your Data Is Part of a Breach 09:42 Opting Out of Data Broker Sites 13:15 Paid Services For Removing Personal Information 17:36 Password Etiquette 21:53 Privacy Risks of Smart Devices 24:05 Key Takeaways and Staying Informed Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe!  Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom and learn more at investingfixx.com. Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Annika Sorenstam is one of the best female pro golfers that the world has ever seen. She also is a woman, like many of us, who started out with very little money, made some, and had to learn first how to budget it, and then how to invest it. She shares how she manages her money and advocates for other female professional golfers, on and off the green.  Chapters: 00:00 The Parallels Between Sports and Personal Finance 03:19 Discipline and Preparation for Success 07:41 Applying Discipline to Financial Life 10:33 Savings and Investment Strategies 18:16 Off-Course Development for Young Women in Golf 26:27 Transitioning from Sports to Life After 35:33 The Benefits of Playing Golf Takeaways: Discipline, preparation, and building on small habits over time are key to achieving success in both sports and personal finance. Having sponsors like Gainbridge is crucial for supporting initiatives that empower women in sports. Learning the game of golf has numerous benefits, including inclusivity, physical and mental challenges, and social connections. Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom and learn more at investingfixx.com. Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

However you feel about LinkedIn, there’s no denying that having a profile is important. According to Forbes, LinkedIn is an essential platform to not only establish a professional online presence but also to showcase your skills and accomplishments.  Hala Taha, top LinkedIn influencer and host of the Young and Profiting podcast says that having a LinkedIn that gets you noticed is so much more than uploading your resume and a nice headshot. She shares how to use LinkedIn effectively to build your personal brand and get noticed by recruiters and hiring managers.  Takeaways: Having an up-to-date LinkedIn profile is important for standing out to recruiters and making a positive impression. Being a content creator on LinkedIn can help you establish your personal brand and grow your following. Using keywords strategically in your profile can improve your visibility and make it easier for recruiters to find you. LinkedIn is a valuable platform for finding clients and job opportunities. Chapters: 00:00 Introduction 05:00 Hala’s Early Career & Setbacks 11:00 How Hala Built YAP Media 15:00 Building A Personal Brand on LinkedIn 27:00 Strategies For Landing A Job Using LinkedIn 30:00 Transition To Mailbag Segment 37:00 Mailbag Question 1: How do I make sure I’m being compensated fairly? 43:00 Mailbag Question 2: Is it wise to annuitize part of my 403b? Further Listening: How To Rock Your LinkedIn Profile Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe!  Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom and learn more at investingfixx.com. Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Mailbag, Jean talks to Allie, who is looking for advice on how to help her friends who are about to inherit a significant amount of money. She wants them to make smart financial decisions and overcome their struggles managing money in the past.  Have a personal finance question for us or want to jump on a call with Jean so you can get all of your follow-up questions answered? Write in at [email protected]. For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom and learn more at investingfixx.com. Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Learning something new can be daunting, especially as you get older. But here’s the thing, the sooner you master a new skill, whether it be how to invest in the stock market, manage your debt, or take on a new sport — the closer you are to mastering it.  My guest today, Gwendolyn Bounds, author of “Not Too Late: The Power of Pushing Limits At Any Age,” wants you to ignore that nagging voice at the back of your head that says that you don’t know enough to get started and just take the first step. She did that when she took on Spartan Racing at age 47 and today, we’re talking about the parallels between striving for financial and physical goals at any age.  Takeaways: Setting big goals, whether they be physical or financial, and breaking them down into smaller steps is the key to achieving personal growth. Overcoming financial and physical challenges requires perseverance and a willingness to push yourself beyond your comfort zones. Financial and physical challenges share similar processes of setting goals, learning new steps, getting out of your comfort zone, and seeing incremental improvements add up.  It's never too late to start pushing limits and pursuing new financial challenges. Chapters: 00:00 Introduction 03:04 The Power of Learning New Skills in Middle-Age 06:39 Embracing New Challenges, Spartan Racing 12:17 Similarities Between Personal Finance and Exercise  19:13 Overcoming Fear 23:54 Finding Patience in Plateaus and Setbacks 33:18 The Connection Between Financial and Physical Well-being 35:46 Transition to Mailbag  Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom and learn more at investingfixx.com. Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

When we start losing our hard-earned money in the market, we want to put a stop to it. We want to take action. But statistically, we know that investors who stay the course do better over time than those who try to time the markets.  Jinny Uppal, author of “IN/ACTION: Rethinking the Path to Results," dishes on why we should stop listening to the voice in our head that tempts us to a default action path. "The belief that ‘I am the one who can control the outcome with my action,’ makes us take more action than is necessary," she says. In Mailbag, we advise a divorced listener on setting up a trust for her son.  Takeaways: Why strategic inaction might be your best move during times of instability in the market. Personal signals that indicate when to take action or pause. Why we associate action with results and how that could lead us astray.  It’s important to take informed actions based on thoughtful consideration. Chapters: 0:00 Intro 3:30 The Importance of Thoughtful Pauses  5:57 When To Take Action and When To Pause 7:40 Recognizing Signals of Stress 10:19 Investment Recommendations 22:55 Right Action vs. Inaction 33:56 Mailbag: Setting Up a Trust and Estate Planning Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today is Mom’s Equal Pay Day so we’re talking about the reality of motherhood in America today, no not the reality we see on social media where momfluencers make pregnancy to childbirth, to raising multiple kids seem like a breeze…we’re talking about what it’s really like to have kids in a country that doesn’t make it easy for us.  Jessica Grose, author of, “Screaming on the Inside: The Unsustainability of American Motherhood,” said she did everything right before she had kids, she was married, had a successful, thriving career, and was debt-free, but she still wasn’t ready for the reality of motherhood, and doesn’t think any of us are. We go over what every woman should do before welcoming a new addition to set themselves up for success. Takeaways: Having children in America can have negative financial and career implications. Cultural norms around motherhood in the United States are contradictory and place unrealistic expectations on mothers. Governmental solutions such as paid family leave and affordable childcare are needed to support working parents. Parents should support each other and ask for help when needed, and society should be more understanding and less judgmental of parents in public spaces. Chapters: 0:00 Challenges of Motherhood in America 11:16 Changing Expectations of Motherhood 15:33 Paid Family Leave and Solutions 22:32 Childcare Costs and Inflation 24:22 Advice for Parents Considering New Jobs 27:33 Transition to Mailbag Segment  33:30 Mailbag Question 1: Managing a $2 Million Inheritance 38:26 Mailbag Question 2: Splitting Finances with A Live-In Partner Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special episode, Jean Chatzky is joined by professional investor and cohost of our InvestingFixx club, Karen Finerman. They’re talking about what the heck is going on with the stock market right now. With tech stocks plummeting and recession fears looming, Jean and Karen emphasize the cyclical nature of markets and the importance of staying calm in a downturn. They share their extensive experience with market fluctuations and offer practical advice on managing your investments during turbulent times.  Interested in learning more about investing in the stock market alongside hundreds of other women? Join us every other Monday night on Zoom and learn more at investingfixx.com. Takeaways: Don't panic and fall for herd mentality during market fluctuations. Review your holdings and look for opportunities during market downturns. Control risk by avoiding leverage and being in charge of your positions. Consider making IRA contributions and buying stocks on sale during market drops. Chapters: 0:00 Intro 7:11 Market Reaction to Bad Jobs Report 8:24 Concerns About Achieving A Soft Landing 10:57 Challenges with the Yen 13:10 Warren Buffett's Apple Stake 15:15 Comparison to the Market Crash in 1987 18:43 Advice on Market Volatility  23:53 Risk Management in Trading 27:25 Investing Strategy During Market Downturns Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

You asked, we answered! In this Mailbag, Jean is joined by Celeste Headlee, author of, “We Need To Talk: How To Have Conversations That Matter” to talk through how to approach your toughest money conversations.  They tackle your questions on everything from preparing kids for navigating their own finances in college to addressing salary disparities at work. Celeste shares practical advice from her own life, including budgeting tips for teens and strategies on how to approach a raise conversation with your employer.  Have a question for us or want to jump on a call with Jean? Write in at [email protected]. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Takeaways: Break financial conversations into smaller parts to make them more manageable and focused. Involve children in budgeting and decision-making to help them understand the cost of living and the value of money. Salary transparency is important for achieving pay equity, but it's not necessary to disclose salary information to coworkers or family members. Consider the context and purpose of financial conversations before sharing. Chapters: 0:00 Introduction 1:00 Tough Money Convo 1: How To Talk College Financials With Your Kid  6:25 Tough Money Convo 2: Coworkers Payscale and Asking For A Raise 10:00 Tough Money Convo 3: How To Respond When Family Asks About Salary Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re smack dab in the middle of one of the hottest summers on record and although the heat can make many of us go a little crazy, it also forces us to slow down a lot, spend some time by the pool or the beach (or in the comfort of your living room with the AC on full blast) and embrace boredom more.  Celeste Headlee, author of, “Do Nothing: How to Break Away from Overworking, Overdoing, and Underliving,” joins us to talk about why taking all of your vacation days is good for your career and how to really disconnect when you’ve turned on your OOO.  Takeaways: Embracing boredom and taking time for rest and relaxation can lead to better ideas and improved creativity. Taking vacations is essential for overall well-being and can lead to career success. Finding the best times for focused work and understanding our own productivity patterns can improve efficiency and work-life balance. Younger generations are rejecting toxic work culture and prioritizing work-life balance and well-being. Defining personal goals and focusing on end goals rather than means goals can lead to greater happiness and fulfillment. It's important to reevaluate priorities and find a healthy balance between work, rest, and personal fulfillment. Chapters: 0:00 Introduction 2:35 Embracing Boredom for Creativity 7:17 Importance of Taking Vacation Time 13:15 The Three-Pronged Influence on Work Guilt 19:18 Gen Z's Preference for Analog Solutions 22:14 Intrinsic vs. Extrinsic Motivation 26:58 Transition to Mailbag Segment 29:37 Retirement Investments 32:10 Pre-Retirement Financial Checkup 34:45 High Yield Savings Accounts  Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news you can use, subscribe to our newsletter at Hermoney.com/subscribe! Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Mailbag, Jean talks to Cecilia, a 58-year-old listener, about asset allocation and portfolio management as she approaches retirement. She has a defined benefit pension and government benefits, but also wants to draw down on her portfolio for the first few years of retirement.  They explore the need to adjust asset allocation, the role of fixed income in your portfolio, and the importance of building a cash cushion for the initial years of retirement.  Have a question for us or want to jump on a call with Jean? Write in at [email protected]. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Takeaways: Consider adjusting asset allocation as you approach retirement, taking into account fixed income sources such as pensions. Build a cash cushion to cover the initial years of retirement, reducing the need to sell investments at a loss during market downturns. Consult with a financial advisor to create a comprehensive retirement plan, including strategies for cash flow management and mortgage payoff. Evaluate the benefits of individual bonds versus bond funds, considering the potential volatility of bond funds and the security of principal with individual bonds. Chapters: 0:00 Introduction 2:11 Asset Allocation and Retirement Planning 5:13 Cash Cushion for the Initial Years of Retirement 8:02 Consulting with a Financial Advisor 11:00 Mortgage Payoff Strategies in Retirement 12:57 Individual Bonds vs. Bond Funds 15:00 Conclusion The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

When we think about our financial fears, one tops the list: Running out of money before we run out of time. According to the Center for Retirement Research at Boston College, half of all US households are at risk of not having enough income to maintain their standards of living in retirement. The bottom line is that Americans have a problem and we know it. The good news is that we have the ability to fix this problem in our own individual lives, with tools we already have access to today. They’re called annuities, and more people are interested in, and buying annuities, than in years past.   Minji Ro, Chief Strategy Officer at Gainbridge, and Jason Fichtner, Chief Economist at the Bipartisan Policy Center join us to talk about what annuities are, why economists like them, and the advantages of considering them as part of your retirement portfolio. Chapters: 0:00 Intro 4:04 Defining Annuities: What They Are  12:06 The Shift in Retirement Income Strategies Over Time 14:01 The Three Major Types of Annuities: Fixed annuities, Fixed Indexed Annuities, and Variable Annuities 21:23 Transitioning Mindset: From Saving and Accumulating To Spending And Securing Protected Income  24:28 Annuities and Managing Longevity Risks As Women 30:00 Transition to Mailbag Segment 33:23 Retirement For Highly Compensated Employees 41:34 When To Get A Second Opinion From A Financial Planner Takeaways: Annuities can provide a guaranteed stream of income during retirement. There are three main types of annuities: fixed, fixed index, and variable. Economists like annuities because they offload risk and provide income protection. There is a behavioral barrier to annuitization, but changing the framing and understanding the benefits can help overcome it. Women, who earn less and live longer, should consider annuities to manage longevity risk. Have a question for us? Write to us at [email protected].  While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Thank you to Gainbridge® for supporting the HerMoney podcast. Gainbridge® created ParityFlex™, a multi-year guaranteed annuity, to offer women security and flexibility at a time when they need it the most—retirement. Learn more about ParityFlex™ here. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

For years, we’ve been told that we need a college degree to get anywhere in life and that a college education is the most important thing for our careers. But lately, young people have been asking themselves: do you really need a college degree anymore?  Hannah Maruyama, one of those would-be college students, decided not to take that path. Now she’s making $100,000 a year working in AI and teaching other young people how to discover their passions without a degree. Her experience led her to found Degree Free, a community that helps people find good jobs without a college degree.  She shares the steps to take to decide if a college degree is the right path for you. Chapters:  0:00 The Rising Cost of College and Alternative Paths 9:42 Applying for Jobs Without Meeting Qualifications 15:16 Deciding If College Is the Right Path 24:36 Career Paths Without College 27:43 Finding Apprenticeship Programs 33:30 Learning High-Value Skills Takeaways: The cost of college has become astronomical, leading many to consider alternative pathways to success. There are various pathways to a successful career, including getting a job, on-the-job training, earning a license or certification, building a business, and learning a skill. It is important to consider financial needs and personal interests when choosing a career path. Critical thinking skills are valuable and can be developed outside of a college setting. Parents should have open and honest conversations with their children about the necessity of college and explore alternative options. Learn more about your ad choices. Visit megaphone.fm/adchoices

We are just past the halfway point of 2024, and things aren’t feeling great economy-wise, despite the US economy reaching “superstar status,” according to a recent article in the Atlantic.  Kyla Scanlon coined the term “vibecession” to explain this feeling. In her new book, “In This Economy? How Money & Markets Really Work,” she breaks down why what’s really going on in our economy feels at odds with what we’re experiencing in our day-to-day lives.   Chapters: 0:00 Intro 4:08 The Disconnect Between Economic Data and Consumer Sentiment 9:10 Personal Economic Experiences 13:37 American Personal Savings Rate 21:26 Economic Impact of Upcoming Presidential Election 27:00 Mailbag Segment 31:25 Evaluating Credit Card Benefits 34:14 Managing Savings for Major Goals Takeaways: Despite the US economy's strong performance, many Americans have a negative perception of the economy — that’s what we call the “vibecession,” influenced by alarmist media headlines and the vague language used by the Federal Reserve. Buying a house is challenging due to high mortgage rates and elevated home prices, with the housing market facing long-standing issues that will take time to resolve. The stock market's all-time high does not necessarily reflect the financial well-being of consumers, as it is driven by a few companies and does not capture the experiences of all Americans. Financial education and savings incentives are crucial to address the low savings rate among Americans and promote a healthier personal economy. The upcoming presidential election could have significant economic implications, with different policy approaches potentially impacting tariffs, student loan debt relief, and other areas. Adopting an adventure mindset and promoting innovation can help address economic challenges and lead to solutions to the housing crisis, rising healthcare costs, and climate change. Have a question for us? Write in at [email protected]. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever stopped for a second and thought about all of the things you do at work in a week? There are some tasks most of us need to do to be successful at our jobs. But do you also find yourself doing other tasks like administrative work, planning and setting up for parties, or training new employees? And have these responsibilities started to take over your work days?   If so, you’re not alone. These types of tasks are called “non-promotable tasks” and women volunteer for them far more often than men.  Dorie Clark’s new book, The Long Game: How To Be A Long-Term Thinker In A Short-Term World delves into how the little tasks we do day to day at work may be harming our long-term career strategy. Chapters: 00:00: Introduction 02:57: Busyness as an Anesthetic 07:42: Defining Long-Term and Short-Term Thinking 14:56: The Importance of Saying No 18:32: Optimizing for Interesting 25:56: Career Waves and Making Smart Choices 28:51: Conclusion Takeaways: Non-promotable tasks, such as administrative work and planning office parties, can take up valuable time and prevent you from focusing on tasks that align with your long-term career goals. It is important to recognize and address overworking as a coping mechanism. Long-term thinking involves considering the big picture and making choices that optimize for interesting and meaningful work. Saying no can be challenging, but it is important to set boundaries and prioritize tasks that align with personal and professional goals. Asking important questions, such as the total cost and physical/emotional impact of a task, can help evaluate requests and make informed decisions. Navigating different phases of a career involves transitioning between learning, sharing, connecting, and reaping phases, and being willing to disrupt oneself to avoid stagnation. Have a question for us? Write in at [email protected]. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

According to the Institute for Women’s Policy Research, while white women earn 82 cents for every dollar earned by a white man, Black women earn just 64 cents. Dasha Kennedy says that for Black women specifically, there are a myriad of reasons for that.  Dasha Kennedy is the founder of the Broke Black Girl, where she shares her personal journey of overcoming financial struggles and specific advice for Black women. This Black Women’s Equal Pay Day, she joins us to talk about how she’s pushing back against the gender wage gap and her favorite ways to save money in 2024. Have a question for us? Write in at [email protected]. Chapters: 00:00: Introduction 07:45: Creating Broke Black Girl 11:06: Spending Intentionally 16:22: Pay Yourself First vs. Prioritize Savings 17:57: Collecting Experiences Over Things 19:52: Debt Strategies 22:22: Renting vs. Buying 27:07: Mailbag Segment 29:01: Understanding Mutual Fund Fees 36:25: Credit Score Variability Takeaways: The gender pay gap is a persistent issue, and Black women face an even larger gap compared to white women. Black women need specially tailored financial advice due to their unique experiences as the intersection of race and gender. Strategies for overcoming debt include spending intentionally, setting spending limits, and prioritizing savings. Collecting experiences can be more fulfilling than collecting material possessions. Taking small steps and breaking down financial goals into manageable increments can lead to long-term progress. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

The promise and the peril of AI in the workplace seem to be all anyone can talk about these days and the biggest question on all of our minds is — will AI take my job?  According to Fortune 500 Human Resource Officers, the answer is yes, AI could be coming for your job. Gallup found that seventy-two percent of Fortune 500 leaders foresee AI replacing jobs in their organization in the next three years. So how do we get ahead of this? Our guest today, Hilke Schellman, author of The Algorithm: How AI Decides Who Gets Hired, Monitored, Promoted, and Fired, and Why We Need to Fight Back Now shares her ideas.  In Mailbag, we read a listener response to a previous mailbag on the pros and cons of pensions in Europe. We also hear from someone who’s wondering if it would be better to take money out of a long-term care insurance policy and invest it in the stock market.  Chapters: 00:00: Introduction 05:30: Understanding AI 09:22: Challenges for New Graduates 15:06: Making Your Resume Machine Readable 24:54: Preparing for AI-Based Interviews 28:48: Using AI Tools to Your Advantage 29:21: Transition to Mailbag Segment 33:46: Listener Advice on European Pensions 38:20: Long-Term Care Insurance Takeaways: AI is predicted to replace jobs, with women's jobs being more affected. AI tools are used in job interviews and can analyze facial expressions, speech patterns, and keywords to assess candidates. Job seekers can improve their chances by making their resumes machine-readable, using tools like JobScan, and reaching out to recruiters directly. Employees should be aware that their online activities and communications at work can be monitored by AI tools. Dabbling with AI tools and staying up to date with AI technology can make individuals more employable. Have a question for us? We'd love to hear from you! Write in or send us a voicenote at [email protected]. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Mailbag, Jean talks to Alyce about how to pay for home renovations for her special needs daughter and whether it's reasonable to adjust her retirement savings. She and her husband have a home equity line of credit (HELOC) and are concerned about the high interest rate. They also discuss whether they should consider a TSP loan or reduce retirement contributions to pay off the HELOC.  Have a question for us? Write in at [email protected]. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Takeaways: Consider using a TSP loan or reducing retirement contributions to pay off high-interest debt. Consult with a financial advisor who specializes in special needs planning. Set up a special needs trust and consider other estate planning options for a child with disabilities. Take advantage of employer-matching contributions for retirement savings. Evaluate the performance and usefulness of random investment accounts and consider selling them for immediate needs. Chapters: 00:00: Introduction 01:44: Alyce's Family and Home Renovation Needs 07:28: Comparing Mortgage and HELOC Rates 11:04: Retirement Savings Overview 18:38: Considering a TSP Loan 21:48: Selling Stock and Brokerage Account 23:33: Final Advice The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

When we talk about the question of whether women can have it “all,” successful careers, thriving marriages, and families, the messy truth is often, no, at least not all at the same time.  Alli Webb, founder of Drybar found that out the hard way when her business blew up seemingly overnight. She shares what fame, attention, and obsession with building a brand cost her and how she found herself again in the wake of the fallout. In Mailbag, a listener asks if using roadside assistance too many times in a year can cause an increase in her car insurance. Another listener has a question about whether or not she should stay in her marital home post-divorce or sell it and build up her savings for retirement.   Chapters: 0:00: Introduction 03:13 Drybar: From Mobile Business to Brick-and-Mortar 08:14 The Rapid Growth of Drybar and the Cost of Success 21:55 Success and How It Impacted Alli’s Relationships 27:19 Deciding to Let Go of Drybar 31:26 Finding Validation from Within 31:32: Transition to Mailbag 34:58: Listener Question: Auto Insurance and Roadside Assistance 37:29: Listener Question: Mortgage vs. Savings Post-Divorce Takeaways: Figuring out your greatest passions can lead to a successful business idea. Scaling a business quickly can be both exciting and overwhelming. Finding balance between work and personal life is crucial for happiness and well-being, especially as an entrepreneur. Excellent customer service and creating a welcoming environment are key to building a loyal customer base.  Success in business can sometimes lead to problems in personal relationships, and it's important to recognize and address these issues. Learning to look inward and understand oneself is crucial for personal growth. Having a community of like-minded entrepreneurs can provide support, guidance, and solutions to common challenges. Going through difficult times can lead to self-discovery and personal growth, ultimately leading to a happier and more fulfilling life. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re told to use money affirmations like “I am rich” and “I am always discovering new sources of income” to increase our abundance. We’re even told that we can manifest our way to a completely new life using the power of positive feelings and good vibes. But do money manifestations really work?  Amanda Montell had the same question. In her new book, The Age of Magical OverThinking: Notes on Modern Irrationality, she digs into our obsession with manifestations, nostalgia, confirmation bias, and what it all has to do with our modern existence. (Hint: It’s a lot more than you might think.) Chapters: 00:00: Introduction 04:55: Cognitive Biases and Their Impact 07:44: Cognitive Biases in Financial Decision-Making 13:22: Money Manifestations and Magical Thinking 21:27: Spending on Self-Healing and New Age Practice 26:32: Shine Theory and Female Competition Takeaways: Cognitive biases are mental magic tricks that we play on ourselves to make sense of the world, but they can clash with the information age and lead to irrationality. Positive thinking and optimism have benefits, but applying absolutist ideology or capitalism to ideas of manifestation can be harmful. Women are more likely to spend money on self-healing practices due to marketing and societal conditioning, but balancing optimism and skepticism is crucial. Overconfidence is a bias that affects both men and women, manifesting in different contexts. Shine theory, the idea that another person's success does not diminish your own can help combat jealousy and foster connections. More money news when you need it! Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s no secret that women’s wealth is growing (hello, Great Wealth Transfer) and that we’re investing in the stock market in larger numbers than ever before. A 2023 study by Fidelity found that 60 percent of women are invested in the stock market, up from just 44 percent in 2018. Michele Cagan, author of Stock Market 101, wants to see that number get even higher.  Cagan has spent her career as a CPA and financial mentor working with clients to demystify investing because she knows that getting started can be intimidating, anxiety-inducing, and confusing. She joins us to bust the top 10 myths she hears from people when they get started investing. In Mailbag, we hear from a listener who’s feeling unhappy in her corporate job and is wondering if her family is financially stable enough for her to be able to transition back to freelancing.  Chapters: 00:00 - Introduction 04:05: The Top 10 Myths and Facts About Investing 24:05 - Transition to Mailbag 29:52 - Jean's Advice on Job Satisfaction vs. Financial Stability Takeaways: Women's wealth is growing, and they are investing in the stock market in larger numbers than ever before. Investing knowledge is crucial for women across generations to start and stay invested. Women tend to be more risk-averse and consider their financial choices in a broader context, making them better investors. Investing with goals in mind is essential, and socially responsible investing can align with personal values while still generating returns. Understanding financial analysis and doing thorough research is important before making investment decisions. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ambition…let’s talk about it. We’ve been told it’s not a dirty word, that it’s ok (actually more than ok) for women to be ambitious. We’ve been told we should strive for C-suite positions, the corner office, and to continue reaching for higher and higher paying roles.  For Jennifer Romolini, these messages were working, yet reaching the top did not fulfill her in the way that she thought it would. In her new book Ambition Monster, she chronicles how being overly ambitious and reaching the top made her so burnt out that she ended up literally losing her voice and her job. Listen in to hear about why being forced to rebuild was the best thing that ever happened to her.  In Mailbag, we hear from a listener who’s weighing the pros and cons of paying off a credit card every fourteen days to build credit. We also hear from a couple who is wondering the next best step after maxing out a high-yield savings account while saving up for a house.  Chapters: 00:00:00: Introduction 00:06:44: Jennifer's Belief in Work as Salvation 00:11:17: The Problem with Overworking 00:19:16: Finding New Balance and Living Your Values 00:24:11: Recognizing Workaholism and Ambition Issues 00:26:55: Mailbag Takeaways: The definition of ambition may be outdated and prioritize men, leading to challenges for women in the workplace. Workaholism and burnout can have significant physical, emotional, and financial consequences. Finding balance and fulfillment in work and life requires setting boundaries, making tough decisions, and prioritizing self-care. The pursuit of a meaningful life involves redefining success, living by one's values, and seeking internal gratification. Recognizing the signs of work addiction and imbalance is crucial for personal well-being and growth. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! We love hearing from you! Send us your questions at [email protected]. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Here’s one thing we know — America runs on women – our paid work, our caregiving work, and our invisible work keeps the country going — and it’s taking its toll. According to the American Psychological Association’s 2023 Stress in America survey, women say they’re feeling stressed, misunderstood, and alone. The survey also found that women were more likely to say they “strongly agree” that no one understands how stressed we are and we were less likely to report that we can get over our stressors quickly.  Jessica Calarco is a sociologist who’s dedicated her life’s work to understanding how America got this way, despite being consistently ranked one of the wealthiest countries in the world. In her new book Holding It Together: How Women Became America’s Safety Net, she explains how our “DIY society” came to be and strategies for women to collectively come together to support each other in a country where caregiving falls mostly on our shoulders.  In Mailbag, we hear from a listener who is looking for advice on how to handle her emotions in the workplace. We also hear from someone who’s in the running for a position with a pension and wants to know what the pros and cons are should she accept the job.  More money news when you need it! Get the latest and greatest updates on all things investing, budgeting and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! Chapters: 00:00:00: Introduction  00:06:52: The Role of Women in Holding Society Together 00:14:49: Current Childcare Crisis and Its Implications 00:19:11: Gender Wage Gap and Household Labor Dynamics 00:26:51: Practical Steps for Individual Women to Improve Their Situations 00:29:57: Importance of Collective Action 00:30:34: Transition to Mailbag Segment Takeaways:  Women in America have become the safety net for families and communities, taking on the roles of caregivers and filling low-wage jobs. The US is a DIY society where individuals are expected to solve their own problems rather than rely on the government or employers for support. The lack of affordable childcare and the shift in employer benefits have put tremendous pressure on families, particularly women. Marriage is not the key to financial success and can often trap women in difficult or dangerous relationships. Solutions include advocating for affordable childcare, paid family leave, and other policies that support caregiving, as well as challenging mythical thinking and promoting collective action. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

According to the 2024 World Happiness Survey, we’re pretty unhappy as a country this year. And although there are plenty of external reasons for us to be unhappy — sky-high costs at the grocery store, mortgage rates hovering around 7%, and credit card debt soaring – we’re all about controlling what we can control and that includes prioritizing our well-being over all else (no summertime sadness here).  Stephanie Harrison, author of: “New Happy: Getting Happiness Right In a World That’s Got It Wrong,” feels that way too, so much so that she spent 10 years diving into the world of happiness research. Listen in to hear why the “Old Happy” is making us all miserable and why she believes the “New Happy” should be the framework we’re building our lives around instead.  Chapters: 00:00:00: Introduction 00:02:58: The Concept of "New Happy" vs. "Old Happy" 00:07:11: The Role of Money in Happiness 00:12:08: Social Media's Impact on Happiness 00:19:39: Tactical Solutions for Creating a Happier Life 00:23:11: Finding a Job that Aligns with Your Gifts 00:25:44: Daily Shifts to Increase Happiness 00:27:30: Mailbag Segment  Takeaways:  The Old Happy tells us we need to achieve more, be perfect, and be hyper-independent. These expectations are unrealistic and make us miserable. The New Happy involves discovering who you are and using your gifts to help others. This leads to personal growth, fulfillment, and creating happiness for others. Money is necessary to fulfill our needs and create experiences of well-being, but the pursuit of more and more money does not lead to proportionate increases in happiness. To find intrinsic goals that make you happier, consider safety, community, relationships, passions and interests, and personal growth. Daily shifts to make yourself and others happier include looking for opportunities to help, recognizing the support you receive, and paying attention to people who are doing good in the world. More money news when you need it! Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Mailbag, Jean talks to Patti and Patrick about the substantial student loan debt they’ve incurred on behalf of their daughter and explore various ways to pay it down including using a home equity line of credit or tapping into retirement funds. Jean gives detailed guidance on the best approach to consolidate the debt. The episode also touches on the broader financial responsibilities parents face and the importance of open communication with children about the realities of debt.  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Takeaways: When dealing with multiple student loans, consider consolidating them to secure a lower interest rate.  Before tapping into retirement funds or other long-term savings to pay down student loans, consider the tax implications and potential penalties.  Home equity lines of credit can be a viable alternative for paying down student loans, but compare interest rates and terms. Chapters: 00:00:00: Introduction 00:02:52: Details of Student Loan Debt 00:05:18: Interest Rates and Consolidation Options 00:07:52: Home Equity and Savings 00:13:38: Financial Planning and Parental Support 00:16:08: Next Steps The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Is your budget working? The 50/30/20 budgeting rule — one of the most popular budgeting methods that has been around for 20 years — was created by Elizabeth Warren (yes, that Elizabeth Warren) and has largely been seen as the “gold standard” of budgeting ever since. But does it work for today’s economy? There’s also reverse budgeting, which we use in our Finance Fixx program, and has helped our participants save an average of $1,500. The point is, we have options, and our goal with our money should always be to find the one that works best for us — especially when our budget isn’t working the way we need it to This week, we’re talking about 60/20/20 budgeting with Sean Pyles, host of the Smart Money podcast. He shares why he thinks this budget is a better framework to follow, and how we can all make budgeting just a little more fun.  In Mailbag, we hear from someone who’s in the market for a car and is wondering if now may be the best time to buy an EV. We also hear from a listener who is looking for strategies to consolidate her credit card debt to lower her APR. Chapters: 00:00 The 50-30-20 Budgeting Rule 03:19 Different Perspectives on Budgeting 08:48 Adjusting Budgeting Categories for High-Cost Areas 12:10 Cash Stuffing and the Fun Side of Budgeting 20:04 Considerations for Buying an Electric Car 24:53 Managing High-Interest Credit Card Debt  Takeaways:  Budgeting is not one-size-fits-all and should be tailored to individual circumstances and preferences. Tracking spending can help identify areas where expenses can be reduced or optimized. Consider alternative budgeting methods, such as budgeting backwards or using the spending and savings bucket method. In high-cost areas, it may be necessary to adjust budgeting percentages to accommodate higher expenses. When dealing with high-interest credit card debt, explore options like negotiating lower interest rates or considering a balance transfer or debt consolidation. When buying an electric car, consider factors such as charging infrastructure and range anxiety. Explore not-for-profit credit counseling agencies for assistance with managing credit card debt. More money news when you need it! Get the latest and greatest updates on all things investing, budgeting and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In 2010, Lauren Cobello (formerly Lauren Guetman) created an entire brand as “the coupon lady” after she shared her story of how she got her family out of $40,000 in debt by couponing and budgeting. By 2016, she was posting multiple times a day, wrote a few books about couponing and budgeting, and was filming family finance videos with her kids and her husband as main fixtures in her online universe.  But here’s the thing about creating a brand and a community around your personal story — sometimes that story falls apart. By 2017, Lauren and her husband split, leaving her to navigate life as a single mom of four….and back in debt again. For a while, she continued to post to keep her brand alive but felt completely inauthentic doing it. Listen in to hear how she reinvented her career and the personal finance hacks she still utilizes to keep her monthly budget in check. Chapters: 00:00:00 - Introduction  00:05:26 - Lauren's Personal Debt Experience and Recovery 00:09:41 - Therapy and Financial Healing 00:10:34 - Strategies for Managing Money and Avoiding Impulse Spending 00:16:14 - Couponing and Meal Planning 00:21:00 - Career Transition to Media and PR 00:29:12 - Mailbag Takeaways: Get real with yourself and take control of your finances by focusing on what can be controlled. Meal planning and freezer cooking can save money on groceries. Building a brand using books and media can be a powerful strategy for business growth. More money news when you need it! Get the latest and greatest updates on all things investing, budgeting and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special Mother’s Day Mailbag edition, Jean talks to mother-daughter duo Mollie and Chris about Mollie’s recent divorce. Jean addresses questions on how to make sure Mollie’s ex-husband's finances are no longer tied to hers, and we tackle how best to combine Mollie’s multiple retirement accounts.  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Takeaways: Closing a joint bank account and starting fresh is the best option after a divorce. Having an ex-spouse's name on a credit card does not impact the primary cardholder's credit, but it can be removed by contacting the credit card company. Rent payments can be reported to credit bureaus through services, which can help build credit for individuals with thin credit files. Consolidating multiple retirement accounts into one brokerage account can make it easier to manage and monitor investments. Converting traditional retirement accounts to Roth accounts can be beneficial for long-term growth, but it's important to consider the tax implications. Maintaining a good credit score and making solid financial decisions are key to navigating post-divorce financial challenges. Chapters: 00:00 Introduction 03:03 Closing Joint Bank Accounts and Removing Ex-Spouse from Credit Cards 05:04 Building Credit with Rent Payments 09:03 Consolidating Retirement Accounts for Better Management 12:52 Considering Roth Conversion for Long-Term Growth The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Money touches everything in our lives. And for women, who have long been documented to earn less than men, save less than men, and invest less than men, the stereotype is often that we’re doing money “wrong.”  But it’s getting old. We know that statistically, women are better investors than men are, we fare better during times of recession, and we’re often more thoughtful about our budgets. Yet the stereotypes persist: the “girl math” trend of recent years tried to insinuate that we’re messy and unreliable with numbers, and countless female characters in pop culture (those in Fleabag, Sex and the City, and Girls, to name a few) just can’t seem to get their finances together, no matter how hard they try.  We say enough is enough. And we aren’t the only ones. Jo Piazza feels the same way — which is exactly why she flipped the script for the main character in her new novel The Sicilian Inheritance. Listen in to hear her story.  In Mailbag, we hear from a listener whose 18-year-old son is looking for the best ways to start to build credit, and we hear from a woman who is about to have her first baby and is being pressured by friends to make big (and expensive!) life changes.  Chapters:  00:00:00: Introduction  00:06:32: Portrayal of women in finance and media 00:10:03: Strategies for managing work and family life 00:21:22: Managing the impact of social media 00:25:40: Transition to mailbag segment 00:26:01: Financial advice for young adults and credit cards 00:30:20: Lifestyle changes after having a baby Takeaways:  Women are often portrayed as messy and unreliable in finance and media, perpetuating stereotypes that can be damaging and untrue. The influencer culture on social media can create an expectation gap between real life and the curated images and lifestyles portrayed online. Financial influencers should be approached with caution, as not all advice and recommendations may be reliable or suitable for individual situations. There is a need for better regulation and transparency in the influencer industry to protect consumers and ensure ethical practices. More money news when you need it! Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special Mailbag edition, Jean and Kathryn Tuggle, HerMoney CCO, are on the mic answering questions from our listeners. First, we hear from a recently retired listener who has all of her money in Certificate of Deposits (CDs) and is wondering what to do next. We also hear from someone who is looking for resources that can help teach her three kids about money.  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Takeaways: A financial advisor can help you understand your current investments and make your money last in retirement  Work with a fee-only financial advisor who is not paid by commissions for selling specific investments Teaching kids about money involves teaching them about investing and managing the money they have. Setting up a system like an electronic allowance can help kids learn how to budget and make choices with their limited resources. Kids should learn the value of money, how to budget, and how to save Chapters: 00:00 Introduction 04:50 The Benefits of Daily Money Managers 06:52 Financial Advisor Recommendations  09:17 Teaching Kids About Personal Finances 12:08 Opportunities for Kids to Earn and Manage Money 13:21 Teaching Kids About Credit and Investing The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Eleven years ago, Sheryl Sandberg’s “Lean In” hit the shelves and frankly, blew up the world. Her feminist manifesto encouraged women to stop holding themselves back from working to reach positions of power and instead “lean on” other women’s experiences to help them. Now, many women are pushing back on the “lean in” approach that placed so much responsibility on individual women rather than the societal and economic structures around them. They’re also questioning if they really want to have it all in the first place.  In her new book: “Fair Shake: Women And The Fight To Build A Just Economy,” Naomi Cahn and her coauthors explore why our “winner takes all” economy is the root cause of women’s continued economic inequality rather than our individual actions. She also talks solutions, starting with making deeper connections in our communities and reaching out to them for support when we need it.  Chapters: 00:00:00 - Introduction 00:03:12 - Interview with Naomi Khan 00:07:51 - Winner Take All Economy 00:10:18 - Intersection of Feminist Theory and Workplace Progress 00:14:43 - The Triple Bind Women Face in the Workplace 00:17:47 - Strategies for Women to Navigate Career Challenges 00:28:08 - Solutions to Combat the Winner-Take-All Economy 00:33:17 - Mailbag Segment Begins Takeaways:  The gender wage gap remains a persistent issue, with women earning an average of 82% of what men earn. The winner-take-all economy, characterized by income inequality and a focus on individual financial success, holds women back in the workplace. Feminist theory is essential in addressing gender equity and dismantling the structures that perpetuate inequality. Systemic changes, such as increasing transparency, strengthening laws, and investing in individuals and communities, are necessary to build a just economy. More money news when you need it! Get the latest and greatest updates on all things investing, budgeting and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special Mailbag edition, we hear from a listener whose daughter is getting her first summer job. She’s wondering if it’s best to put the money in a high-interest savings account, or a Roth IRA. We also hear from someone who subscribes to the FIRE movement (Financial Independence, Retire Early) and is so focused on saving that she’s not able to keep money in an emergency account for true emergencies.  In our news of the week, some steps you can take if you’ve been waiting weeks (or months) for your tax refund and why eating out may be your biggest budget-killer.  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Takeaways: Consider opening a Roth IRA for a teenager with earned income to take advantage of potential higher growth. A homegrown 401k can be a way to provide access to money for immediate needs while still saving for the future. Separate your money into different accounts with barriers to prevent easy access. Set up a separate account for vacations to pre-fund trips and avoid using credit cards. Loosen your grip on your financial goals and allow yourself to enjoy life today. Chapters: 00:00:00 - News of the Week 00:03:08 - Benefits of Opening a Roth IRA for Your Kid 00:11:08 - Advice on Managing a High-Yield Savings Account 00:11:45 - FIRE Movement and Emergency Funds 00:18:12 - Setting Up Separate Savings Accounts for Different Goals 00:21:04 - Balancing Financial Independence with Living for Today 00:25:07 - Final Thoughts The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Lately, have you been more intentional about the time you spend working? What about putting more effort into finding financial freedom? These are two hot-button topics with Millennials these days, particularly with regard to the time we spend working — specifically, the four-day workweek.  About a month ago, Bernie Sanders proposed legislation that could make this the new reality for all of us. But Holly Trantham and her company, The Financial Diet, were ahead of the curve when they implemented a four-day workweek three years ago. Trantham joins us to talk about why they’ve never looked back, and how we can all realize a definition of financial freedom that works for us.  In Mailbag, we hear from a listener who can’t seem to get past the first round of job interviews, and we dig into the finances of egg freezing. In our news of the week, we discuss why the Fed is flip-flopping on cutting interest rates this year, what the heck the Bitcoin “halving” means, and why starting a business may lead (counterintuitively) to less stress.  Takeaways: Implementing a four-day workweek can lead to happier workers, lower turnover, and greater efficiency. Financial success should be measured by factors like financial stability, security, and the ability to live the life you want, rather than traditional markers like homeownership. The happiness threshold, or the idea that once you make a certain amount of money, your happiness plateaus is not a one-size-fits-all concept. Focusing on your future self and setting financial goals can provide motivation and a sense of security. Community and relationships play a significant role in personal finance and can contribute to overall happiness and well-being. Chapters: 00:00:00 Introduction and Financial News Update 05:05 The Four-Day Work Week 08:09 Redefining Financial Success 27:58 Focusing on Your Future Self 35:25 The Importance of Community in Personal Finance Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

A recent essay in the Wall Street Journal made the case that women are both happier overall but sadder in our daily lives than men as we juggle the competing priorities on our never-ending to-do lists from managing our jobs, to our kids' schedules, to keeping up with cooking and housework.  Betsey Stevenson, an Economist and Professor at the University of Michigan, has conducted groundbreaking research in this field. She joins us to talk about why women’s happiness has been on the decline since the 1970s – despite what feels like so many great strides for women’s equality since then. While we have her, we’re also going to do a mini-economic check-in now that we’re 4 months (can you believe it?!) into 2024. Takeaways: Women's happiness has been declining despite progress in women's equality. Women constantly make trade-offs and face challenges in balancing multiple responsibilities. Income is correlated with life satisfaction but not necessarily day-to-day happiness. Women should prioritize mental health and well-being to improve life satisfaction. Men also face their own crisis in a changing economy. The economy is experiencing unexpected trends, such as low unemployment and higher inflation. Chapters: 00:00:00 - Introduction and News Update 00:04:39 - Interview with Betsy Stevenson Begins 00:09:22 - Discussion on Women's Happiness and Economics 00:13:31 - Exploring Day-to-Day Happiness vs. Life Satisfaction 00:19:37 - Income, Well-being, and Gender Roles 00:27:32 - Economic Trends and the Role of Men and Women 00:34:48 - Current Economic Conditions and Future Outlook Follow Betsey Stevenson: https://twitter.com/betseystevenson Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Navigating money issues with your family is hard. Navigating money issues with your family is even harder when you’re a first-generation American. First-generation children of immigrants face unique cultural and emotional barriers and often find themselves at the intersection of building a financial life for themselves and supporting their parents financially.  Gigi Gonzalez found herself facing this dilemma when she got serious about her finances and realized the information she was reading didn’t align with her lived experience or her values. So, she started posting about it on TikTok. Eventually, she quit her job in finance to become a full-time content creator. She offers her best advice on what to do when your personal finance goals clash with your family's money expectations.  In Mailbag, we talk about the best investment options for a young kid, and a listener who doesn’t have much saved for retirement is wondering if she should take out a loan to pay her mortgage. In our news of the week, we cover the new magic number for retirement, the best time to sell your house this year, and what to do if you still owe the IRS money. Takeaways: TikTok can be a powerful platform for spreading financial literacy and building a personal brand. First-generation Americans face unique challenges in wealth building due to cultural expectations and a lack of financial education. Setting money boundaries with family can be challenging but necessary for financial well-being. It is important to find a balance between paying off debt and investing. Chapters: 00:00:00 - Introduction and Financial News Update 00:06:07 - Gigi's Financial Education Journey 00:09:04 - Transition from Finance Job to Content Creator 00:11:43 - Challenges as a First-Generation American 00:15:24 - Setting Financial Boundaries with Family 00:23:55 - Improving Financial Habits in Marriage 00:26:01 - Investing While in Debt 00:27:49 - Mailbag Segment 00:29:59 - Listener Question on Investing for Child's Future 00:33:54 - Listener Question on Managing Finances Pre-Retirement Buy Cultura and Cash: https://www.thefirstgenmentor.com/my-book Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Think, for a second, about all of the things you do before you head to the gym or go out for a run. Do you wear special running shoes? How do you tie them? Do you give yourself a pep talk on days when you’re just not feeling it? Is there a certain playlist you always listen to?  Dr. Mike Norton, author of: “The Ritual Effect: From Habit to Ritual, Harness The Surprising Power of Everyday Actions,” says while working out at a certain time of day may be a habit, all of these little things we do to get ready are rituals, and paying more attention to them can transform our lives (financially or otherwise). Takeaways: The connection between rituals and financial habits. The difference between a ritual and a habit, with rituals adding emotion and meaning to actions. How to avoid taking ritualistic behavior too far. Insights on how rituals can help high performers manage stress. How to introduce rituals into the workplace without seeming forced or silly. Chapters: 00:00:00: Introduction and News Segment 00:05:43: Interview with Michael Norton Begins 00:07:38: Connection Between Financial Habits and Rituals 00:10:16: The Emotional Aspect of Rituals vs. Habits 00:12:13: Defining Rituals and Their Impact 00:13:45: When Rituals Become Excessive 00:18:06: Rituals of High Performers 00:19:54: Using Rituals to Prepare for Stressful Situations 00:22:41: Workplace Rituals and Meaningful Work 00:25:24: Where to Take the Ritual Quiz and Find More Information Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Money touches everything in our lives — including our health. And women know there’s one topic that has long been ignored in American society, to the detriment of millions of women: menopause.  It’s a big deal. By 2030, 1 billion women worldwide will have entered (or will be about to enter) menopause and on average, medical costs for menopausal women ages 45 to 54 are 47% higher than they are for women of the same age who don’t exhibit menopause symptoms. Dr. Lisa Mosconi discusses her new book: “The Menopause Brain,” and explains how the transition impacts our brains and our lives.  In Mailbag, HerMoney Editor-in-Chief Kathryn Tuggle is back to answer some down-to-the-wire tax time questions: A listener asks how she should prioritize paying the IRS vs. a credit card bill, and we hear from someone who’s having trouble getting a W2 for her daughter’s summer job. In our news of the week, why we still feel so bad about the economy and how stars mentioning a brand can move the needle on Wall Street.  Takeaways: Menopause is a neuroendocrine transition state that impacts the brain as much as it does the ovaries. Neurological symptoms during menopause, such as hot flashes and memory lapses, are a result of the brain's response to hormonal changes. Finding the right healthcare provider who is knowledgeable about menopause is crucial for receiving appropriate care. Workplaces should implement changes to support women going through menopause, such as flexible schedules and a culture of understanding and inclusiveness. Menopause can be a time of personal growth and new beginnings, and women should prioritize self-care and mental well-being during this stage of life. Chapters: 00:00:00: Introduction and News of the Week 00:06:24: What is Menopause, Really? 00:08:25: Neurological Symptoms of Menopause 00:13:50: The Reshaping and Rewiring of the Brain During Menopause 00:18:36: Life Contentment and Menopause 00:20:22: Financial Costs of Menopause 00:25:57: Navigating Menopause in the Workplace 00:28:36: Second Adulthood and "Menno-Start" 00:31:31: Mailbag Segment Begins 00:35:15: Discussion on Tax Debt vs. Credit Card Debt 00:39:12: Filing Taxes Without a W-2 and Roth IRA Concerns Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

How much of your money do you spend on the clothes in your closet? Now what about your time? In other words, how much time do you spend staring into the abyss of your wardrobe? One study says that over the course of her lifetime, a woman will spend a full year in front of her closet from age 16 to 60, just deciding what to wear. And this doesn’t include all of the other time we’re supposed to spend making our closets more manageable and our wardrobes more streamlined.  Kim France says it’s time to ditch ALL the rules, and start organizing our closets with more intention. She explains how we can prioritize the fashion rules that work for us, so we can stop staring into a full closet feeling like we have nothing to wear.  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Takeaways: Learn how to curate a wardrobe that resonates with who you are, not just what's in vogue. Discover why Kim challenges the conventional wisdom of wardrobe purging. Comfort is king in Kim's fashion rulebook. She shares how prioritizing comfort can lead to a more authentic and enjoyable dressing experience, and why it's okay to let go of those "excitement pieces" that don't feel right anymore. Chapters: 00:00:00: News you can use 00:06:33: Kim France's Entry into Fashion and Philosophy on Getting Dressed 00:08:12: The Evolution of Kim's Fashion Philosophy 00:09:23: Evaluating Worthwhile Clothing Investments 00:14:05: The Process and Goal of Editing Your Closet 00:22:31: The Importance of Comfort in Fashion Choices 00:24:03: Kim France's Future Ambitions and Lifestyle Goals The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever gotten a message on Facebook that looks something like this? “HEY GIRL, I HAVEN’T SEEN YOU IN A WHILE, YOU LOOK AMAAAAZING. DO YOU WANT TO LOOK EVEN BETTER AT YOUR NEXT EVENT? BUY MY MASCARA AND I’LL THROW IN A FREE GIFT. BUT HURRY, SALE ENDS AT MIDNIGHT.” Yeah…those messages.  While it may be easy to brush these off, roll our eyes, and hit delete, a surprising number of women in America are caught up in these businesses, known as multi-level marketing schemes. In today's episode, Jean Chatzky talks to Jane Marie, author of Selling the Dream: The Billion Dollar Industry Bankrupting Americans about why MLMs target women specifically, the signs to look out for to know if you’re being targeted by one, and what to do next if you’ve already lost money. In Mailbag, a listener asks how to find the best low-cost brokerage account and we do the math on whether ‘becoming a millionaire by retirement’ is feasible for everyone. In our news of the week, we talk about Donald Trump’s new stock, the end of swipe fees on Visa and Mastercard, and the passing of behavioral economist Daniel Kahneman. Takeaways: MLMs often target women, offering them the opportunity to work on their own schedule and make money from home. However, the vast majority of participants in MLMs make little to no money and end up losing money. The Federal Trade Commission (FTC) is responsible for regulating MLMs, but their resources are limited, and MLMs often fly under their radar. It is important for individuals to report their negative experiences with MLMs to the FTC. MLMs continue to evolve and adapt, with new schemes constantly emerging. It is crucial for individuals to be vigilant and skeptical of any business opportunity that involves recruiting others and promises easy money. Chapters: 00:00:00: Introduction to the podcast and the topic of MLMs  00:10:03: Introduction of guest Jane Marie  00:15:23: The nature of MLMs today 00:18:49: The appeal of MLMs to individuals  00:21:17: The cycle of investment and loss in MLMs  00:23:59: The reality of income in MLMs  00:25:49: Why MLMs target women  00:30:51: The role of the FTC in regulating MLMs  00:32:51: Current trends and "flavors of the month" in MLMs  00:34:37: Jane Marie's hopes for the impact of her book "Selling the Dream" 00:37:13: Mailbag  Join us! Snag all the latest episodes, savvy budgeting tips, investing advice and even giveaways via the HerMoney Newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special Mailbag edition, listener Anya seeks advice on a real estate investment dilemma. She and her partner have invested in pre-construction property, but the property value has fallen, leaving them with a significant shortfall. We also hear from Christa, who recently got a new job and a big raise (go Christa)! She’s wondering how to best invest the extra money she’s getting every paycheck. In our news of the week, the consequences of paying over the manufacturer’s suggested retail price (MSRP) for a car and why the price growth of the housing market has stabilized to pre-COVID levels.  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Think about the conversations you have every day. There are the ones you have with your friends over coffee to catch up on life, the ones you have with a family member while walking the dog, and countless others throughout your week. While it may not seem like it, every conversation (yes, even the mundane ones!) is a negotiation, and once we have the skills to know which type of conversation we’re in, we can use every single conversation to better connect with those around us.  That’s what Charles Duhigg argues in his new book “Supercommunicators: How to Unlock the Secret Language of Connection.” He shares the difference between the three different types of conversation, and why knowing which one we’re engaged in can make all the difference.  In Mailbag, a listener asks about the red flags to look out for when choosing a high-interest savings account, and we hear from a retiree who’s wondering if they’re paying too much for private insurance. In our news of the week, we talk about what the Federal Reserve meeting last week means for your money. Additionally, we explore Unilever's decision to sell Ben & Jerry's, and how some families are handling the rising costs of storing frozen embryos. Takeaways: Every conversation is a negotiation, and understanding the different types of conversations can help improve communication. Asking questions and using techniques like looping for understanding can enhance connection and understanding in conversations. Acknowledging and embracing differences, including gender, can lead to more effective communication. Investing in relationships and conversations is crucial for long-term happiness and success. Chapters 00:00 News You Can Use 05:04 Different Types of Conversations 08:16 Neural Entrainment and Connection 12:34 Asking Questions and Looping for Understanding 30:02 Vulnerability and Gender in Communication 35:58 The Importance of Relationships and Conversations 36:48 Mailbag Join us! Snag all the latest episodes, savvy budgeting tips, investing advice and even giveaways via the HerMoney Newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special Mailbag edition, listener Carolyne calls in to ask whether it’s time to leave the nonprofit job she’s had for more than three years. Her organization is facing major changes and challenges, and she’s unsure whether to stay and embrace the chaos or look for something else that offers more stability and better pay. In our news of the week, we break down why you should be aiming to get as close to $0 back on your tax refund as possible. If you already got a big return this year, Jean dishes on how you can make it happen next year. Head to https://www.irs.gov/individuals/tax-withholding-estimator to find out what your break-even point is. More money advice when you need it! Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

When we envision the type of person who falls for a financial scam, there are usually a few key characteristics that come to mind:They may be elderly, using a landline phone, or in a state of panic as the person on the other end of the line informs them that if they don’t hand over $10,000 immediately, they’ll be arrested. But those stereotypes are just plain wrong.  Charlotte Cowles, the Cut’s financial advice columnist and a longtime freelance business columnist for The New York Times, fell for an elaborate new scam that involved Amazon, the FTC, threatening her child, and handing a box with $50,000 in cash through the window of the backseat of a car. In Mailbag, we hear from a listener who’s wondering what the difference is between an hourly financial advisor and one that charges a flat fee. We also address how to shop around for title insurance when you're buying a home. In our news of the week, we talk about the big changes coming to the commissions we pay when we buy and sell homes, what the producer price index (or PPI) coming in hotter than expected means, and a new study about how Americans are feeling about their finances. Takeaways Younger adults are more likely to fall for online scams. Scammers use psychological tactics such as authority and isolation to manipulate their victims. Talking about scams and sharing experiences can help prevent others from falling victim. If something seems too good to be true, trust your gut and question it. Be cautious of phone calls or messages from unknown sources and verify information independently. Report scams to the appropriate authorities and seek support from trusted friends or family members. Chapters 00:00 News You Can Use 6:43 Charlotte's experience 12:15 Psychological tactics used by scammers 28:32 Red flags to look out for if you think you’re being scammed 32:43 Mailbag with Julia Chatzky Join us! Snag all the latest episodes, savvy budgeting tips, investing advice and even giveaways via the HerMoney Newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We’ve been thinking a lot about “Peak 65” over here at HerMoney HQ. If you haven’t heard about it, it’s the fact that more people are turning 65 starting this year than at any other point in history. That’s important because this age shift is going to have a huge impact on everything, including our economy, Social Security, the upcoming election, and especially on retirement.  Anne Lester, former head of retirement solutions for J.P. Morgan Asset Management Solution Group wants everyone to know that planning for retirement doesn’t have to be so scary — it can be empowering and, yes, even fun. In her new book: “Your Best Financial Life: Save Smart Now for the Future You Want” she talks about how she finally broke free from living paycheck-to-paycheck, and was able to retire early on her terms. In Mailbag, we hear from a listener who is wondering if they should stay at a job they don’t love for the excellent retirement benefits. In our money tip of the week, with Mint shutting down in less than two weeks, here are the other budgeting apps we recommend. Join us! Snag all the latest episodes, savvy budgeting tips, investing advice and even giveaways via the HerMoney Newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Navigating your career has always been difficult, but that’s especially true in today’s landscape where the state of the job market seems to be constantly in flux.  While you may be looking to quit your job in search of better wages or improved work-life balance, you may also want to stay put this year. If you are sticking to the job you’ve got,  you’re probably thinking about a way to move up the ladder.  According to a recent CNBC poll, nearly half of women polled describe themselves as “very ambitious” when it comes to their careers, and ambition among women of color is even higher. Grace Puma and Christiana Smith Shi, authors of the new book “Career Forward: Strategies By Women Who’ve Made It,” want more women to be proud of acknowledging their ambition — privately and publicly. Listen in as they share their learnings on decades of experience reaching the top of Fortune 500 companies and why we should always be thinking one step ahead in our careers. In Mailbag, we hear from a mom who’s preparing to reenter the workforce and is looking for the best tips to use AI to spruce up her resume. We also check in with a listener who is getting their taxes done and wondering if they should be increasing their retirement savings to avoid a higher tax bill. In our money tip of the week, it’s that time of the year again…tax time! So, what is the new DirectFile program from the IRS, and who is eligible to use it? We break it down.  Join us! Snag all the latest episodes, savvy budgeting tips, investing advice and even giveaways via the HerMoney Newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Learn more about your ad choices. Visit megaphone.fm/adchoices

How does she do it? This week, we decided to ask Karen Finerman, the indomitable host of the How She Does It Podcast and co-host of InvestingFixx, HerMoney’s investing club for women, how she makes it all happen. Between her role as CEO of Metropolitan Capital Advisors, being a panelist on CNBC’s Fast Money, serving as a Wharton board member, and being a mom to two sets of twins, she does it ALL. We knew it was time to share her incredible story.  Listen in to learn why Karen decided she wanted to become a risk arbitrageur at age 15, how she worked full time while raising her kids, and her best advice for getting invested — and staying invested — as a woman.  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We’ve all heard it time and again from the world’s biggest success stories: They worked crazy hours, gave up their friendships, and kept their nose to the grind for years before they got their big break. What are they telling us?  Essentially, you’ll never succeed unless you’re willing to give up everything else to get there, and there’s no way to avoid burnout. In other words, suffering is what leads to success. But we’ve also seen that this mentality can cause burnout, depression, or stepping away from a career that you thought you loved.  Ali Abdaal, author of “Feel-Good Productivity: How to Do More of What Matters to You,” knows exactly what this feels like. While working as a doctor, he was doing everything he could to keep up, but found himself miserable and completely burned out at the end of every workday. He decided to change his life and master productivity — today, he’s one of the world’s most followed productivity experts. Listen in to hear his advice on how we can use “power, people, and play” to avoid burnout, and even make everyday tasks more fun.  In Mailbag, we hear from a listener who’s looking for advice on how to recover mentally and emotionally after being laid off, and we check in with someone who bought iBonds in the early 2000s and is wondering if she can use them to pay for higher education. In our money tip of the week, what NOT to do with the money if you get a bonus or a raise at work this year.  Join us! Snag all the latest episodes, savvy budgeting tips, investing advice and even giveaways via the HerMoney Newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you prefer to have a male or female boss? Have you ever thought about why? A UCLA study analyzed responses from more than 60,000 people and found that women, even those who were managers themselves, were more likely to want a male boss than a female one. The participants explained that female bosses are “emotional,” “catty,” or “bitchy.”  If we want more women in positions of power, we need this narrative to change. It’s so important that women respect their female colleagues and appreciate working for women in power. Rosalind Wiseman, author of Queen Bees and Wannabes, the inspiration for the Mean Girls franchise, hears from countless women that their workplace is like high school, and existing in that environment every day can be tough, if not impossible. Thankfully, Wiseman has excellent advice for finding allies in the workplace and handling conflict with your colleagues (yes, even when it’s super uncomfortable). In Mailbag, we hear from a listener who’s wondering if she should be the co-owner of a property she’s buying for a granddaughter, and we check in with someone who is considering taking a job at a company with terrible reviews… Should she bring this up in an interview? In our money tip of the week, is jetting off to somewhere sunny and warm to take a “workcation” a good idea?  Join us! Snag all the latest episodes, savvy budgeting tips, investing advice and even giveaways via the HerMoney Newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In her most recent book, Women With Money, HerMoney CEO Jean Chatzky asked hundreds of women: “What do you want from your money?” Although womens’ answers were all over the map, they were all some form of safety and security. Would men say the same? Probably not, because we know that in general, women and men see money differently. With that in mind, this week we’re exploring how you and your partner can get on the same page when it comes to talking about money — even if you’re coming from completely different places. Scott Rick, author of “Tightwads and Spendthrifts: Navigating the Money Minefield in Real Relationships,” explains why we’re so attracted to our money opposites and how we can better understand each other this Valentine’s Day.  In Mailbag, we hear from a listener who doesn’t mix finances with her husband and is wondering what steps she needs to take to ensure she understands their financial picture. Another listener is moving in with her partner and wants to draw up a cohabitation document. In our money tip of the week, why we should all be taking a “financial health day” – especially during tax season!   Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever really thought about why you are the way you are with money? For most of us, it’s the result of how we’re wired, how we were raised, and the financial events and struggles we experienced along the way. Sometimes, how we think about money can be positive, and we can feel empowered with our finances… But other times the way we’re ingrained to think about money could be negatively impacting our mental and financial health in ways we’re not aware of. In other words, our MoneyType could be impacting all of our financial decisions!  Dr. Jennifer Leigh Selig, the psychologist and researcher who created the five MoneyTypes joins us to break down the characteristics of the five types, and shares how taking the MoneyType quiz this Valentine’s Day can actually help deepen our bonds with our partners.  Join us! Snag all the latest episodes, savvy budgeting tips, investing advice, and even giveaways via the HerMoney Newsletter at Hermoney.com/subscribe! Have thoughts about the show that you’re dying to share? Take our podcast and community survey! We can't wait to hear what you think. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com.  Learn more about your ad choices. Visit megaphone.fm/adchoices

How are you feeling about your job? Depending on what industry you’re in, you may be concerned about layoffs or consolidation. A recent survey from Bankrate revealed that a whopping 88% of workers who are worried about their job security are planning to take action within the next year. These actions include everything from searching for new job opportunities and asking for raises, to relocating or even quitting altogether. Fran Hauser, author of “Embrace The Work, Love Your Career,” recommends sticking it out in your current role while you start putting out feelers. Listen in to hear her best advice on ensuring your career is layoff-proof including reevaluating your day-to-day tasks and making sure you’re working on projects that the executive team cares about.  In Mailbag, a listener asks for a breakdown of high-yield savings accounts and how they work. We also hear from someone looking for courses and resources to help her become a financial coach. In our money tip of the week, how to do a financial checkup to make sure you’re not paying for things you don’t need (we’re coming for you, Netflix subscriptions!). Have thoughts about the show that you’re dying to share? Take our podcast and community survey! We can't wait to hear what you think. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Having kids is a huge life decision, and more American women are either delaying motherhood or choosing not to have kids at all. Despite the short-term plunge — and comeback — during the early years of the pandemic, the birth rates have been consistently trending down. There are a few reasons for this, namely, kids are really expensive, and millennials have a lot of student loan debt to pay off. Jade Warshaw, cohost and debt elimination expert on the Ramsey Show, found herself in almost half a million dollars of debt, but was able to completely change her financial life in order to ensure she could start the family she’d always dreamed of. In her new book, “Money’s Not a Math Problem,” she goes over the easiest ways to create a budget that works, pay down debt, and free yourself from negative money mindsets that may be holding you back.  In Mailbag, we hear from a listener who’s getting a jump start on taxes and is wondering whether to report her side gig to the IRS. We also hear from someone who just paid down her debt (yay!) and wants to know the best place to put the extra $300 she has a month. In our money tip of the week, Bitcoin ETFs were just approved… is now the time to buy?  Have thoughts about the show that you’re dying to share? Take our podcast and community survey! We can't wait to hear what you think. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

While some may say 2023 may have been “the year of the girl,” we say, unapologetically, it was the year of the woman. Just take a look at Taylor Swift. In 2023, the term “Swiftonomics'' was coined — because Swift generated significant revenue, tourism, and jobs in every city where she performed. Like many other incredible women, she owned her power in a new way, and the world took notice.  Betches Media took this concept — that ALL women should celebrate being powerful, and own our instincts to never back down — and they created a media empire out of it. Sami Sage, co-founder, and ​Chief Brand Officer of Betches Media joins us to talk about selling the brand, and why she’s not afraid to say that she cares about making and spending money in alignment with her goals.  In Mailbag, we hear from someone who’s wondering if it’s worth it to maintain two credit cards, and Julia Chatzky asks about best practices for sharing a credit card with your partner. In our money tip of the week, is lifestyle creep affecting your savings? Here’s what to do about it.  Have thoughts about the show that you’re dying to share? Take our podcast and community survey! We can't wait to hear what you think. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Was money something you learned about in school? We’re not talking about math classes like geometry or pre-cal, we’re talking about personal finance — the art of managing our dollars. While some of us were lucky enough to learn personal finance from our parents, an aunt or another money-savvy family member, most of us never took a single personal finance class in school before we opened our first bank account. Yanely Espinal, author of Mind Your Money, Insightful Stories and Strategies to Help You Reach Your #MoneyGoals has made it her mission to teach kids the lessons she didn’t learn young, so they can make smarter decisions about money. Listen in for her number one piece of advice on teaching kids key personal finance lessons early.  In Mailbag, we hear from a listener who’s mentoring a teenager on how to manage her finances and is looking for next steps. We also check in with someone who’s filing for divorce and wondering if now is the right time to start collecting Social Security. In our money tip of the week, the cost of ignoring your finances is steep (we’re talking $2,000 a year). If you’ve been dragging your feet on creating a budget that works for you, join us for our next session of FinanceFixx on January 23rd.   Have thoughts about the show that you’re dying to share? Take our podcast and community survey! We can't wait to hear what you think.  The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Last year, one million Americans got a letter in the mail – the Social Security Administration miscalculated their benefits. They had been overpaid, and now, the government wanted that money back within 30 days. How much money? In one couple's case, it was almost $70,000 and in another’s, it was $52,000. Most of us don’t have thousands of dollars to spare. Especially when we’re retired or nearing our retirement years, every dollar counts. So how do you prepare ahead of time if you’re one of the one million people to receive these letters — and is there a way to fight the system?  Larry Kotlikoff and Terry Savage join us to discuss their new book “Social Security Horror Stories: Protect Yourself from the System and Avoid Clawbacks.” Listen in to hear what you can do to avoid Social Security clawbacks and the next steps if you receive a letter asking for repayment. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

A fresh New Year means it’s time to take a fresh look at the state of the economy. The U.S. economy has continued to grow at a stronger pace than expected, which has made many of us wonder what, exactly, happened to all of that recession talk a year ago? At the same time, we’ve also had a spectacular recovery of women in the workforce — with 75% of working-age women now have jobs. Plus, holiday spending late last year reached an all-time high, with Americans spending almost 10% more than they did last year on Cyber Monday.  And yet, Americans are still feeling anxious about the economy. Rana Foroohar, Associate Editor at the Financial Times, joins us to explore why. We also go over her predictions for the state of the 2024 economy, and break down how those movements may impact your wallet.  In Mailbag, we hear from a listener who’s recently widowed and needs advice on where to start learning about personal finance, and we check in with someone with three jobs who has a question about her withholding on tax documents. In our money tip of the week, it’s #engagmentseason – should you be considering a lab-grown diamond?  Join us! Snag all the latest episodes, savvy budgeting tips, investing advice and even giveaways via the HerMoney Newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

The New Year is a time when many of us take a moment to reflect on how we did over the past year and plan our goals for the future. This past year, we’ve spent a lot of time thinking about how to make our work and home lives more fulfilling. According to the World Happiness Report, it’s working! The US is now the 15th happiest country overall.  Let’s keep those good vibes going and start 2024 with a happiness reset. Arthur C. Brooks, co-author of Build The Life You Want: The Art and Science of Getting Happier says the key to happiness starts with focusing on these four pillars: faith, family, friendship, and work. And we discuss the one thing to avoid if your #2024goals are focused on getting your money right. In Mailbag, we hear from a listener who got laid off during pregnancy and asks what to prioritize when she’s financially stable again and an aunt who’s curious about how to best help her nephew who was just released from prison. In our money tip of the week, if you’re a Boomer with a paid-off mortgage, now might be a great time to sell.  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Blink and you’ll miss the latest trends taking over social media. As we say goodbye to 2023 and head into 2024, we look at a few trends that made us cringe this year — and the ones we’re most excited about for the New Year!  Jillian Quint, Editor-In-Chief of PureWow joins us to discuss all things trending in the fashion, fitness, and finance space and the most exciting travel trend she’s seeing for 2024 (hint: think starry nights and unobstructed skies).  In Mailbag, we hear from an older listener who asks what they should be paying for long-term care insurance, and we check in with a mom of four who’s ready to start building back up her retirement contributions but isn’t sure where to start. In our money tip of the week, should you pull your kids out of school to take advantage of off-peak season travel deals?  More money news when you need it! Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

“Move fast and break things.” That was Mark Zuckerburg’s now-famous early motto for Facebook. Fast forward to today, many budding startup founders have come to live by this idea — that if you’re not getting messy and failing often, you’re not making progress — and you’re definitely not creating the next Facebook. Recently though there’s been some backlash to this startup culture mentality (Ahem, the FTX scandal.) But where’s the balance? How can we encourage creativity and innovation and at the same time not move so fast that we harm others and look completely careless? Amy C. Edmondson, author of Right Kind of Wrong: The Art of Failing Well, explains the difference between “bad failure” and something she says we all should be seeking out in our day-to-day lives — “good failure.”  In Mailbag, we hear from a listener who asks how to politely deal with a parent who insists on buying her gifts for the holidays, and we hear from someone who just filed for bankruptcy and is wondering what they should prioritize paying off first. For our money tip of the week, Costco recently started selling gold bars (that’s right, real gold bars) and can’t seem to keep them in stock. Should you buy one?  Join us! Snag all the latest episodes, savvy budgeting tips, investing advice, and even giveaways via the HerMoney Newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Trends say a lot about where we are as a culture… and some of them say a lot about what it means to be a woman with money in the 21st century. Thankfully, long gone are the days when men made all the money (and also controlled what it was spent on) while women cooked, cleaned, and greeted their husbands at the door with a hot meal every night. But recently, there’s been a growing trend on social media with the hashtags #tradwife (traditional wife) or #stayathomegirlfriend. What does this all mean for feminism in America in 2024?  Anne Helen Petersen, author of the Substack “Culture Study” recently wrote about this phenomenon for Elle, and breaks down what’s really going on with #tradwife culture.  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

While many of us would prefer to forget the pandemic ever happened, the choices we made (as a society and perhaps, personally) in 2020 continue to have lingering effects. We know that women were disproportionately affected by the pandemic — an estimated two million women left the workforce due to the strains of caregiving. So, did the government do a good job of protecting us? And how are policies that were put in place, (such as stimulus checks and extended unemployment) still affecting our wallets?  Bethany McLean, co-author of: “The Big Fail: What the Pandemic Revealed About Who America Protects and Who It Leaves Behind” discusses why we all need to take the time to learn about the effects of global events on our personal economies.  In Mailbag, we hear from a listener who has a question about the 2026 change on estate tax exemption, and we hear from someone who’s wondering if they should transfer their credit card balance to a zero-interest card. For our money tip of the week, we discuss why the “set it and forget it” method of paying your monthly credit card bill could be hurting you financially.  More money news when you need it! Get the latest and greatest updates on all things investing, budgeting and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We’ve been publishing the HerMoney podcast weekly for SEVEN years and we’ve never missed an episode, how crazy is that? This week, we’re doing a special Mailbag edition where our listeners call in and ask Jean their most pressing questions live!  Listen in as Jean advises on protecting our wealth in uncertain times, the right time to take Social Security, budgeting an inheritance, and the best places to put your money to work once you’ve paid off your mortgage.  More money advice when you need it! Get the latest and greatest updates on all things investing, budgeting and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

These days, things feel more uncertain than ever. Take the economy, for example. By almost any objective measure, we’re doing much better economically than we were three years ago, but the vibes are… off. So, what’s going on? For one, we’re still bouncing back from astronomically high prices due to inflation in 2021 and 2022. Mortgage rates are also at their highest levels in more than 20 years making it really difficult to buy a house.  But while all of this uncertainty in the world may feel bad, uncertainty itself isn’t necessarily a bad thing. Maggie Jackson, author of Uncertain: The Wisdom and Wonder of Being Unsure says making hard decisions when we really don’t know the outcome is actually really good for our brains. Listen in to hear how uncertainty is important to lean into when we’re deciding where and how to invest our money.  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our new show How She Does It with Karen Finerman delves into all things women, money, and power every week… But the truth is, we can’t talk about women in power without also looking at women’s financial power. Even now, in 2023, women are woefully behind when it comes to investing and realizing the kind of financial freedom that can only come from building wealth. Thankfully, there are incredible women working tirelessly to make that very thing happen, and Gargi Pal Chaudhuri, Head of iShares Investment Strategy Americas at BlackRock, is one of them. This week, she joins us to discuss what inspired her to become an investor, what keeps her going when she runs ultra-marathons, and why women are willing to save their money — but not as willing to invest their money.  BLACKROCK and iSHARES are trademarks of BlackRock, Inc. or its affiliates (together “BlackRock”). The information provided in this communication is solely for educational purposes and should not be construed as advice or an investment recommendation. Any opinions expressed do not necessarily represent the views of BlackRock. BlackRock is not affiliated with HerMoney.  Learn more about your ad choices. Visit megaphone.fm/adchoices

What ever happened to the “girlboss”? There was Audrey Gelman founder of the women-only social club and networking space the Wing, Tyler Haney of sustainable workout brand Outdoor Voices, and perhaps the most popular of them all, Emily Weiss of the cult favorite beauty brand Glossier. Marisa Meltzer, author of Glossy: Ambition, Beauty and the Inside Story of Emily Weiss’s Glossier joins us to break down why most (if not all) of these girlboss empires have crumbled — and why we often give men a break when women are held to higher standards. In Mailbag, we hear from a listener who is looking for advice on how to help her daughter improve her credit score, and we sit down with Christine Roberts, President of Citizens Pay, to discuss the best ways to pay for purchases over time. For our money tip of the week, our best advice for saving just a little bit of money if you feel like you can’t get out of the cycle of living paycheck-to-paycheck.  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

To dive into the data that just came out of HerMoney’s 2023 State of Women survey, the HerMoney Podcast team recently traveled to The Inc. 5,000 conference in San Antonio, Texas, to speak with members of the executive team at Principal Financial Group® and a LIVE audience of female entrepreneurs. It’s all going down on this week’s episode, and it’s a conversation you absolutely don’t want to miss because we dive into all the data — the good, the bad, and the misconceptions! For example, our survey found that 90% of employees at small and midsized businesses — an overwhelming majority — said that they want a robust benefits package, yet just 63% of small and midsized business owners said it was important to their employees… In other words, we have a serious disconnect between what employees want most and what employers are offering. We dive into why, what we can do about it, and how we can bridge those disheartening financial confidence gaps between men and women at the same time we’re getting more people engaged with their money. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Like many of us, Dr. Sara Kuburic had a hard time figuring out who she was. She woke up one day and didn't like (or recognize) the person staring back at her. In her new book:  “It’s On Me: Accept Hard Truths, Discover Yourself, and Change Your Life,” she talks about all of the little decisions we make that shape who we are and how to become the people we want to be.  In Mailbag, we hear from a listener who wants to meet with a Certified Financial Planner but is finding it difficult to find someone she trusts and a recently retired widow who’s wondering when to start taking Social Security to minimize her tax bill in the long run. For our money tip of the week, we offer advice on how to minimize the growing cost of car ownership.  More money news when you need it! Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Like many of the culinary creators we love on TikTok, Sohla El-Waylly is whipping things up in her home kitchen, using the ingredients she has on hand, and making cooking accessible to all. This week, she offers tips from her new cookbook debuting this fall: “Start Here: Instructions for Becoming A Better Cook.” El-Waylly also offers some of her favorite grocery store hacks and shares how she avoids food waste.  In Mailbag, we hear from a listener who’s wondering how to choose 529 accounts for her grandchildren in different states, and someone who’s wondering if her credit score will be affected by selling her house after a divorce. For our money tip of the week, we go over the 28/36 rule, and explain how to make sure you don’t get denied by a lender when you’re buying a home.  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most of us like to come prepared when we’re asked to give a speech — no matter the size of the room or audience. But sometimes when we want to say something important, we don’t have time to prepare at all! Being able to speak confidently on the fly is especially important at work, when so many of us have big goals we want to accomplish. So, how can we make sure the ideas we’re hoping to express come across confidently everywhere from a one-on-one huddle, to a packed auditorium? Matt Abrahams is an expert on sounding confident when speaking on the fly, and he’s the author of the number one best-selling book: “Think Faster, Talk Smarter: How to Speak Successfully When You’re Put on the Spot.” He shares his best advice on how to become better speakers (and listeners!) in any situation. In Mailbag, we hear from a listener who is wondering if Roth 401(k)s make sense as a high-income earner, and we chat with a woman who needs an executor to handle her estate. For our money tip of the week, is raising the deductible on your homeowner’s insurance the right move? More money news when you need it! Get the latest and greatest updates on all things investing, budgeting and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Diversity, Equity, and Inclusion (DEI) has been a big topic of conversation, particularly workplace conversation, over the past few years. DEI efforts stand to make our workplaces more inclusive, more welcoming, and more equitable for all. More recently though, there’s been chatter that for some companies, DEI efforts are only a facade to make their workplaces look better — without really putting much effort into making the changes that matter.  Maeve DuVally is on a mission to ensure DEI efforts are actually changing the face of corporate America — and to be a mentor for trans employees in the workplace. DuVally lived through workplace challenges herself at a place notorious for not being an easy place for women to work — Wall Street. She spent nearly 20 years at Goldman Sachs and Merrill Lynch and details her coming out story in her new book, Maeve Rising: Coming Out Trans in Corporate America. Listen in to hear her advice for anyone who wants to bring their full selves to the workplace, how to be a good ally, and why she fully believes in DEI initiatives.   In Mailbag, we hear from a listener who’s worried about the high sales charge on her employer's retirement plan and a young retiree who wants to know how to make a little extra money while keeping her flexibility. For our money tip of the week, how to save on the high cost of weddings as a guest.  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

“Don’t you think this is the best option…”  “Maybe if we went in this direction instead the client would be happier…”  These are examples of “weak” language that many of us use in the workplace… We’ve been told to stop using language like this if we want to be respected, get a promotion, or have our ideas considered in a room full of men… But now some new research is flipping this long-held belief on its head. In an experiment from psychology journal Sage, women who followed a script using weak language were actually more likely to get a raise. Alison Fragale, an award-winning research psychologist specializing in the power of powerless speech, joins us to go over how to use language as a tool and other tricks for gaining and managing our status.  In Mailbag, we hear from a listener who’s been out of work due to the strike and asks if she should dig into her stock investments. We also hear from a dad who’s worried about how to best pay for his four children to go to college. For our money tip of the week, we talk about whether or not you should refinance your student loans (don’t panic)! Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Chloe Elise found herself in almost $40,000 worth of debt in her mid-20s. To pay it down, she turned to many of the world’s popular financial gurus to help get her spending in check. Only what she found was that their tough-love, shame-based approach didn’t apply to her — or to any of her college friends, for that matter — so she created her own method for paying down her debt. Fast forward to today, and now she’s officially a millionaire at age 27. She tells us of her journey to become CEO of the financial literacy company “Deeper Than Money,” where she works with women to ban restrictive spending habits and instead spend in alignment with their priorities. In Mailbag, a listener asks for more clarification on one of Ramit Sethi’s money rules: “save 10%, invest 20” and we hear from someone who is wondering what the consequences are for closing a credit card they never use. For our money tip of the week, the number one first step when it comes to creating a plan for paying off your student loans.  More money news when you need it! Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you blink these days, you’ll miss the latest new trends in the working world. First, in 2021, we had “The Great Resignation.” Then, about a year later, “quiet quitting” took the working world by storm. And now, it seems, we’re living through the era of “loud quitting.” While some of these trends are funny, they’re also concerning from the perspective of a business owner or leader. Erica Keswin, author of the new book “The Retention Revolution: 7 Surprising (and Very Human!) Ways to Keep Employees Connected to Your Company,” has advice for making work more enjoyable for employers and employees, so we can eliminate some of these toxic trends. In Mailbag, we hear from a listener who asks if they should buy their brother out of the family home and from someone who was left a substantial amount of money and is worried about overspending. In our money tip of the week, why you should ask for a raise and exactly how much you should be asking for.  Join us! Snag all the latest episodes, savvy budgeting tips, investing advice, and even giveaways via the HerMoney Newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Limit one complimentary offer per household, per 18 months. Offer ends Sept. 29, 2023, and is only applicable to households with a minimum investable assets of $250,000. Offer criteria may be waived at Edelman Financial Engines’ discretion. Neither Edelman Financial Engines nor its affiliates offer tax or legal advice. Interested parties are strongly encouraged to seek advice from qualified tax and/or legal experts regarding the best options for your particular circumstances. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you heard of “girl math”? Perhaps it’s best described in this scenario: You go to your favorite store, find a pair of pants that you absolutely love, but then a few days later when you try them on at home, you realize that they’re just not your jam… so you go back and return them. So, why, praytell, does it then feel like you’re actually MAKING money when that $50 gets returned to you?? On TikTok, this phenomenon is called “girl math,” and this week we’re breaking it all down with someone many people would call the ultimate "math girl,” if you will — Danica McKellar. You may know her best as Winnie Cooper from The Wonder Years, but she’s also an internationally recognized mathematician and author of the New York Times bestselling book for middle schoolers “Math Doesn’t Suck.” In other words, she has the singularly unique title of being the woman who helped make math fun — cool, even! — for a new generation. She helps us define the “girl math” trend and tells us what's really going on beneath the surface. And, yes, she also dishes some juicy details on her life as an actor — she has a new movie coming out soon, “Swing Into Romance,” which premieres October 7th on Great American Family, and we can’t wait to check it out.  Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe!  The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Limit one complimentary offer per household, per 18 months. Offer ends Sept. 29, 2023, and is only applicable to households with a minimum investable assets of $250,000. Offer criteria may be waived at Edelman Financial Engines’ discretion. Neither Edelman Financial Engines nor its affiliates offer tax or legal advice. Interested parties are strongly encouraged to seek advice from qualified tax and/or legal experts regarding the best options for your particular circumstances. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’re finding it harder these days to discern exactly what to believe when you watch or read the news, you’re not alone. It’s gotten so bad that The Associated Press has an entire section of their website dedicated to “Not Real News” where they fact-check the news of the week. So, how can we make sure our sources are reputable, and the information we’re getting is reliable? Dan Ariely, the James B. Duke Professor of psychology and behavioral economics at Duke University has all the advice we need to combat misinformation. His new book “MISBELIEF: What Makes Rational People Believe Irrational Things,” delves into the growing phenomena of discarded truths, alternative facts, and full-blown conspiracy theories that have driven a wedge in public discourse and our personal relationships. In Mailbag, we take questions on IRAs and 529s. In our money tip of the week, what you should do when a DM hits your inbox promising “a sure way to beat the market.”  Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Limit one complimentary offer per household, per 18 months. Offer ends Sept. 29, 2023, and is only applicable to households with a minimum investable assets of $250,000. Offer criteria may be waived at Edelman Financial Engines’ discretion. Neither Edelman Financial Engines nor its affiliates offer tax or legal advice. Interested parties are strongly encouraged to seek advice from qualified tax and/or legal experts regarding the best options for your particular circumstances. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

As women, we can often feel pressure to always be “doing,” whether that’s working, going to the gym, prepping a project, or just getting ready for the next day. Many of us also have a hard time sitting still, and we may even be perfectionists about some things. (Yes, the data shows that women are more likely to be perfectionists than men.) As the former Chief Content Officer at Goop — and Gwyneth Paltrow's second hire — Elise Loehnen knows this firsthand. In her new book, “On Our Best Behavior: The Seven Deadly Sins and the Price Women Pay to be Good” she breaks down all of the outward pressures that continue to hold women back. She shares how we can all break away from the societal notions of feeling like we have to be the “perfect” daughter, the “best” wife, or the “smartest” investor. In Mailbag, we talk about the best way to invest your required minimum distribution, and if you have the money, whether you should buy CDs or pay off a mortgage. In our money tip of the week, the differences between term and permanent life insurance and how to pick one. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’ve been following the financial news headlines, you know this year there’s been nothing but mixed signals coming from our economy: We saw a tightening in the credit market after the bank failures in March, and even though our labor market still remains robust with unemployment at 3.5%, household saving rates have fallen, and credit card debt just hit a new all-time high of $1 trillion dollars. Amid all of these complexities, we’ve heard the oft-repeated threats that “a recession is coming,” but the markets have had a great 2023 so far. Naturally, you have questions about your portfolio, and thankfully, we have answers. In this special Mailbag edition of the HerMoney Podcast, we’re joined by Gargi Pal Chaudhuri, Head of iShares Investment Strategy for the Americas. We discuss diversifying, investing in ETFs, and investing internationally. We also take a deep dive into all of the trends that Gargi and her team at iShares are on the lookout for in 2023- 2024. Do you have investing questions? Write to us at [email protected] to be featured in an upcoming episode!  Get the latest and greatest updates on all things investing, budgeting and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe!  The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Every single one of us is part of a certain generational grouping, and we may love or loathe the stereotypes that come with each. While we may agree with some of them, there are others that are insulting (or just plain wrong). No one knows this better than Dr. Jean Twenge, psychologist and author of “Generations: The Real Differences Between Gen Z, Millennials, Gen X, Boomers, and Silents―and What They Mean for America's Future.” Twenge hopes that by understanding the research — and generations other than our own — we’ll be better able to understand one another. In Mailbag, we dive into how much to save for a newborn's college education, and how to retire early. In our money tip of the week, all of the factors to consider if you’re thinking about picking up a side gig for extra cash.  More money news when you need it! Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! Learn more about your ad choices. Visit megaphone.fm/adchoices

Increasingly, the women’s magazines we grew up on are taking deep dives into politics, health and the gender wage gap… But how did they go from tips on how to have better sex to delivering such thought-provoking content? Ms. Magazine is to thank — and Letty Cottin Pogrebin is one of the magazine's founding editors. She joins us this week to discuss the magazine’s journey — and her own. In Mailbag, a listener asks what financial responsibility (if any) they have to their estranged parents, and in our money tip of the week, we dive into the best items to buy in bulk to save money at the grocery store. Join us! Snag all the latest episodes, savvy budgeting tips, investing advice and even giveaways via the HerMoney Newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Worrying about money is, unfortunately, a universal problem. And with today’s economic uncertainty, stubbornly high inflation and recession fears, our worries are only increasing. While it’s impossible to sidestep stress in all areas of our lives, we can take steps to help manage how we feel about our finances, and increase our financial wellness. Certified Financial Planner Manisha Thakor is the author of the new book: “Moneyzen: The Secret to Finding Your Enough,” and she wants us to consider our emotional well-being and our financial health as twin concepts in all of our day-to-day life decisions. Only then can we break free from the “cult of never enough.” She tells us how. Then, in Mailbag, we hear from a listener who is curious about how to invest the money from the sale of a home, and we hear from a woman who is wondering how to maximize a recent windfall. In our money tip of the week, are you taking too much risk with your asset allocation as you near retirement? In our money tip of the week, are you taking too much risk with your asset allocation as you near retirement?  Want more money news when you need it? Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at HerMoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Plastic surgery is more popular than ever, and women are paying an incredible amount for it. The epicenter of the plastic surgery industry is undeniably South Korea — Seoul leads the world in plastic surgery rates. Elise Hu experienced this culture firsthand as the NPR bureau chief responsible for coverage of North Korea, South Korea, and Japan. In her new book: “Flawless: Lessons in Looks and Culture from the K-Beauty Capital,” she explores if our constant drive to look “better than ever” will ever be enough. In Mailbag, we hear from a listener who has a 401(k) plan from a previous employer and isn’t sure what to do with it next. We also hear from a listener who is 72 and wonders where they can splurge a little! In our money tip of the week, we go over how to decide when is the right time to sell a stock. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Even though President Biden’s proposal to cancel up to $20,000 of a borrower’s student loan debt was struck down by the Supreme Court, there is good news on the horizon. In this special Mailbag edition of the HerMoney Podcast, we talk through student loan forgiveness, debt repayment plans, and using the money in your 529, with New York Times Reporter Tara Siegel Bernard. We take a deep dive into all of the current student loan issues and what they mean for your wallet. If you have your own personal finance questions (big or small), you can always write to us at [email protected] to be featured in an upcoming episode! Plus — FinanceFixx has another session in the works! If you're ready to take a closer look at your finances before student loan repayments resume, join us and we’ll walk you through how you can build a better plan for your future!  The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Teenagers have always had their finger on the pulse of the latest trends, but they’re not only great forecasters — they’re also big drivers in the economy, and they always have been. Mattie Kahn has put a spotlight on many of the forgotten young women throughout history in her new book “Young and Restless: The Girls Who Sparked America’s Revolutions.” She describes how young women throughout history have wielded their money and power to change society. In Mailbag, we hear from a listener who feels like she’s grown out of her Roth IRA, and from someone who picked up How To Money at the library and is hungry for more personal finance book recs :) In our money tip of the week, in the midst of a pink craze — what should you do when a stock (like Mattel) goes viral? The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Thanks to our other sponsor for this episode, Athletic Greens. Go to athleticgreens.com/hermoney to get a free 1-year supply of immune-supporting Vitamin D and 5 free travel packs with your first purchase. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Deciding to renovate a kitchen is an incredibly stressful — and expensive! — decision. Do you want quartz countertops? Painted cabinets or bare wood? Induction cooktop or gas burners? The list of questions goes on and on, and perhaps at the top of it is the biggest one: How do I do kitchen renovations on a budget? Thankfully, we have a bit of welcome news…Sophie Donelson says you don’t have to do EVERYTHING in order to create the perfect kitchen for you. (And the same goes for the bathroom, the bedroom or any other part of the house you’re working on!) Sophie says that small and affordable changes can go a very long way towards making us feel like we have the home of our dreams. Her book, “Uncommon Kitchens” dives into the little changes that make the biggest difference — and she shares them with us. (Hint: Expensive new countertops might not be the answer!) Also, in Mailbag, we talk ESOP basics — what they are and what happens if you want to leave your company, and we discuss whether your money would be better spent paying off a mortgage or keeping the money in an emergency fund. In our money tip of the week, the best bang for your buck at the grocery store — hiding in the fruit and vegetable aisles. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We live in a fast-paced world with long to-do lists and Google Calendars that are scheduled out down to the minute. Every day, we’ve got errands to run, meetings to attend, kids to raise, homes to clean, and money to make — and it can be all too easy to hustle from one goal to the next, without taking a second to pause or rest.  But we know that slowing down and getting out of our own heads is important for our mental health. And our guest today, Gretchen Rubin, has found that connecting with your physical senses — sight, sound, smell, taste, and touch — is crucial for leading happier, more creative lives. In Mailbag, we talk about the best way to pay for egg freezing and where to put your money in your 50s to earn the most possible for retirement. In our money tip of the week, we explore the benefits of opening a 529 plan for your kids or grandkids' education— and what to do with that money if they decide college isn’t for them. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Thanks HelloFresh for sponsoring this episode. Go to HelloFresh.com/HERMONEY16 and use code HERMONEY16 for 16 free meals plus free shipping! Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

What does it mean to you to live a “rich” life? Ramit Sethi, host of the new Netflix show, “How to Get Rich,” wants you to live richly — but no, he’s not talking about fancy cars, caviar, or courtside seats. Ramit works with people across the country to create a personalized vision for what a rich life can be for them. Whether it’s a house on the beach or a four-day work-week, Ramit shares how to create rules for spending and saving that can bring you joy. In Mailbag, we discuss the best plan for easily investing in a Roth IRA and whether to put money in a CD or a high-yield savings account. In our money tip of the week, we discuss how to build a monthly conversation about money into your schedule with your partner. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

The amount of women who invest is on the rise but navigating stocks, bonds, ETFs, and so on can feel daunting. Today we’re here to answer your most pressing investment questions with expert investor and host of our new podcast How She Does It, Karen Finerman! We hear from one listener who’s wondering if she should start dollar-cost averaging some of her cash into quality companies. Another asks for advice on how to get started investing in index funds. We also talk about investing in ETFs, switching online brokerage firms, and rules for an exit plan when investing in individual stocks. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ah, the elusive “dream job." Many people are obsessed with finding it, because we think our lives will be complete once we land it. But Simone Stolzoff wants us to put less weight into our careers, and more weight into other aspects of our lives. As author of the book ‘The Good Enough Job: Reclaiming Life From Work,' Simone says we need to find a career that matches the type of life we most want to live. And how do we find that? Simone has all the details! Then, in Mailbag, we discuss how to protect yourself when your employer has been hacked, and whether you should pay off your home early. In our money tip of the week, is 2023 the right year to buy an electric car? The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Vivian Tu was sick of her friends coming for her with the same financial advice questions, so she decided to make a quick TikTok and share it with all of them. To her surprise, the video immediately went viral – and since then, she’s been doling out her straightforward, simple financial tips for the world to see as Your Rich BFF. Listen to today’s episode to hear advice from someone who’s dedicated to making the space more accessible to today’s generation – queer people, young people, and people of color. In Mailbag, we answer questions about how to offer your services without them feeling like a sales pitch and whether or not to put money into renovating a home before you put it on the market. In our money tip of the week: the top 5 questions you should ask yourself before merging finances with a partner. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We are just about 6 months into 2023, and so far it’s been a confusing year for the economy…to say the least. The unemployment rate is low, the job market is strong, and yet it seems like we hear about a new round of mass layoffs every week. All of this is a lot to keep up with, and if you’re confused about what it all means, how you should feel about it, and what you should do with your money, you are not alone. On today’s episode, we take a step back and look at the big picture of what’s happened so far with the economy this year and what could happen next with journalist Catherine Rampell. In Mailbag, we answer questions about paying income taxes when you move and tips for negotiating a settlement and spousal support when life feels unpredictable. In our money tip of the week: Is 2023 the right year to buy a home? The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Thanks to our other sponsor for this episode, Athletic Greens. Go to athleticgreens.com/hermoney to get a free 1-year supply of immune-supporting Vitamin D and 5 free travel packs with your first purchase. Thank you to our other sponsor for this show, Monarch Money, a more modern way for women and couples to manage their finances. Monarch will help you monitor all of your accounts, transactions, and investments in one place — and help you collaborate with a partner on your terms. As a HerMoney Podcast listener, you’ll receive 10% off your annual plan when you use the code HERMONEY at sign-up. Head to monarchmoney.com/hermoney to try Monarch today. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We all know the simple rules to make sure we are preparing for our future selves at 70 or 80: spend less than you make, build up an emergency fund, set aside money for retirement, and invest the rest. But how do we picture that person when there are so many things grabbing our attention right now? Our guest today, Hal Hershfield, has a new book called “Your Future Self: How to Make Tomorrow Better Today,” and he found that the key to sticking to our goals is being able to imagine our future selves. Learn more about your ad choices. Visit megaphone.fm/adchoices

Meal planning and grocery shopping for the week used to be a great way to eat healthy and save money, but every week prices seem to be going up. How do you plan for meals that are good for you, don’t take hours of prep, and don’t break the bank? Our guest today Ellie Krieger shows us how easy it is to whip up healthy, simple meals that feel gourmet in 20 minutes or less. In Mailbag, we answer questions about the next steps to take after a layoff and the pros and cons of starting a small business. In our money tip of the week, we discuss the cost of taking your furry friend to the emergency vet. Check out Ellie's breakfast strata recipe, plus tons of other free and easy recipes on her website. Thanks HelloFresh for sponsoring this episode. Go to HelloFresh.com/HERMONEY16 and use code HERMONEY16 for 16 free meals plus free shipping! Thank you to Healthy Paws Pet Insurance for sponsoring this episode. Visit healthypawspetinsurance.com/hermoney to get an instant quote and take the first step to protect your furry best friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

More and more consumers care that a brand's values align with their own, and they’re willing to change their shopping habits if that isn’t the case. They also expect company CEOs to weigh in on conversations about the economy, wage inequality, climate change, and discrimination. But how exactly do workers, leaders, and businesses as a whole create meaningful change in the workplace and beyond? Former IBM CEO Ginni Rometty has spent her career answering that question, and she joins us to share her advice. In Mailbag, we tackle questions about saving for early retirement and the benefits of investing in a 403(b). In our money tip of the week, we break down how to get started with estate planning.  The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Thanks to our other sponsor for this episode, Athletic Greens. Go to athleticgreens.com/hermoney to get a free 1-year supply of immune-supporting Vitamin D and 5 free travel packs with your first purchase. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

America’s retirement system is out of date, and there are currently millions of retirees who don’t have enough saved. It’s clear we need a plan — not just for our own retirements, but for our nation — because we all deserve to feel financially secure in the next chapter of our lives. Ben Harris, former assistant secretary for economic policy at the U.S. Treasury Department, joins us to break down what’s wrong with America’s retirement system, what policymakers and employers can do to fix it, and how women can better prepare for their financial futures. In Mailbag, we answer questions about saving money in the event of a divorce and determining your budget for a new home. In our money tip of the week, how to make remote work relationships work. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Thank you to our other sponsor for this show, Monarch Money, a more modern way for women and couples to manage their finances. Monarch will help you monitor all of your accounts, transactions, and investments in one place — and help you collaborate with a partner on your terms. As a HerMoney Podcast listener, you’ll receive 10% off your annual plan when you use the code HERMONEY at sign-up. Head to monarchmoney.com/hermoney to try Monarch today. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Confidence is a tricky word for women — we’re told to lean in and be assertive to get what we want, but if we lean in too hard, we come off as inauthentic and bossy. How can we learn to fully own our confidence, while still being true to ourselves? Auctioneer Lydia Fenet, Christie’s ambassador and author of “Claim Your Confidence,” has spent her career searching for the answer — and she’s here to share it with us now. In Mailbag, we answer questions about turning a hobby into a business and what to expect from working with a financial planner. In our money tip of the week: how to invest during a recession. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Thanks to our other sponsor for this episode, Athletic Greens. Go to athleticgreens.com/hermoney to get a free 1-year supply of immune-supporting Vitamin D and 5 free travel packs with your first purchase. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

At some point in our lives, we all experience a wake-up call about whether we’re going in the right direction. Millions experienced that wake-up call in the aftermath of the pandemic — and in today’s strong job market, many people are still looking for that new sense of purpose in their careers. Joanne Lipman, former editor-in-chief of USA Today, has interviewed hundreds of people who have made major pivots and turned their insights into her latest book: “Next! The Power of Reinvention in Life and Work.” Joanne joins us to share the best strategies for moving into your next career, from learning to trust your gut instinct to finding an “expert companion” who can help you understand your strengths. In Mailbag, we answer questions about the best way to invest an inheritance and whether you should adjust your salary expectations after a layoff. In our money tip of the week: why you should delete your credit card info from online shopping websites. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Thanks HelloFresh for sponsoring this episode. Go to HelloFresh.com/HERMONEY16 and use code HERMONEY16 for 16 free meals plus free shipping! Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We’ve heard from many of our listeners lately who are wrestling with some big questions around relationships and money. Specifically, questions around fairness, competing priorities, and how to share your money in a way that works for both of you! We’re tackling them all with CFP Natalie Taylor, Head of Financial Advice at Monarch Money. Listen in as we dive into questions on buying a home together, talking to your partner about money, saving for retirement, and what it means to "keep score" in a relationship financially. As a HerMoney Podcast listener, you’ll receive 10% off your annual plan when you use the code HERMONEY at sign-up. Head to monarchmoney.com/hermoney to try Monarch today. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re in the strongest job market in years — so why doesn’t it feel that way? We’ve heard from all of you that it’s still not easy to get the job you want right now, despite strong hiring numbers and low unemployment. If you’re struggling to land interviews after dozens of applications — or even getting ghosted by hiring managers — this episode’s for you. Career coach Eliana Goldstein is here to unpack the job market and dispense advice about what you really need to do to stand out as an applicant, from finding the right job opportunities to brushing up your resume. In Mailbag, we answer questions about paying off credit card debt and protecting yourself against identity theft. In our money tip of the week: how to split finances in a relationship.  The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Thanks to our other sponsor for this episode, Athletic Greens. Go to athleticgreens.com/hermoney to get a free 1-year supply of immune-supporting Vitamin D and 5 free travel packs with your first purchase. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

This past February, Jason Kelce of the Philadelphia Eagles and Travis Kelce of the Kansas City Chiefs made history as the first brothers to compete against each other in the Super Bowl. You’d think they’d be the biggest story to come out of the game, but their mom Donna Kelce stole the spotlight with her split-colored jersey — red for the Chiefs in the front, green for the Eagles in the back — and her unwavering support for her sons. In this special Mother’s Day episode, Donna joins us to talk about her life and career, what it was like to raise two competitive kids, and her most useful pieces of parenting advice. In Mailbag, we answer questions about saving for your kids and negotiating salary. In our money tip of the week — how to haggle for discounts on rent, bills, and more.  The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Learn more about your ad choices. Visit megaphone.fm/adchoices

You think you'd never fall for a scam ... until it happens to you. Financial fraud peaked during the pandemic, and new advances in AI mean it's only gotten more sophisticated since. Tech expert Kim Komando joins us to talk about why scams draw so many people in, how to know if you're being scammed, and what you can do to protect yourself. In Mailbag, we answer questions about refinancing student loans and the difference between an index fund and an ETF. Our money tip of the week: how to teach your kids about money. The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Learn more about your ad choices. Visit megaphone.fm/adchoices

Divorce can be an intense and exhausting process, especially for women and their finances. That’s why it’s so important to gather as much knowledge as you can going in — and HerMoney is here to help. You’ve been sending us your divorce-related questions, and we answer them in this Mailbag episode. Joining us is Rhonda Noordyk, a certified divorce financial analyst and CEO of the Women’s Financial Wellness Center, which provides consultations and classes to women considering or going through divorce. We tackle questions about paying an attorney’s retainer, keeping the house in an acrimonious divorce, restarting your career after being a stay-at-home parent, and more.  The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation, and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney.  Learn more about your ad choices. Visit megaphone.fm/adchoices

A core step to building wealth is creating a diversified investment portfolio. But when it comes to our jobs, we often do the exact opposite — we‘re told to specialize and stick to a single career or industry until we make it to the top. But what if that’s not possible anymore? Entrepreneur and Harvard Business School lecturer Christina Wallace joins us to talk about how the job market has changed, and why it’s so important to diversify our skill sets beyond our 9-to-5. In Mailbag, we answer questions about buying a house in a HCOL area and saving for multiple goals at once. In Thrive, how pets can improve your mental health. Learn more about your ad choices. Visit megaphone.fm/adchoices

Being talked over by your manager? Dealing with a coworker who won’t pull their weight? So many of the problems we face at work have to do with communication. In this episode, we dive into tips and tricks for navigating tricky, tense, or downright awkward workplace conversations. Helping us is Jenn Whitmer, a leadership expert and Enneagram coach who helps companies solve conflict and build better relationships. In Mailbag, we answer questions about paying off car loans and juggling different financial priorities. In Thrive, Denise Piazza of One Street Capital joins us to share the top 5 tax secrets of the super wealthy. Learn more about your ad choices. Visit megaphone.fm/adchoices

You can’t talk about money without talking about emotions — and the emotions we associate with money conversations usually aren’t so great. Fear and guilt often prevent us from enjoying our money, being proactive, and building a solid financial future. How can we get to the root of these feelings and learn to connect money with happiness? Lawyer and financial expert Scarlett Cochran is here to help us answer those questions. In Mailbag, we talk about whether to keep or sell a house after divorce. In Thrive, how to travel for cheap.

Credit card debt is at a record high. If you’re struggling to pay down your balance, you’re not alone — and we’ve got an expert in the house to help. Personal finance reporter Jennifer Streaks joins us to share everything you need to know about credit cards, how to use them responsibly, and what you can do to pay off your debt as quickly as possible. We also discuss tips for building and maintaining great credit. In Mailbag, we answer questions about transitioning to Medicare and HSAs versus FSAs. In Thrive, easy food swaps to save money during inflation.

Many of us grew up hearing, “Winners never quit, and quitters never win.” But when it comes to a toxic job or bad investment, quitting can be the absolute best choice — as long as you do it right. Former professional poker player Annie Duke built her career on knowing when to hold and when to fold. She joins us to talk about why it’s so crucial for us to be able to cut our losses, and how we can make that decision with confidence. In Mailbag, we discuss the best ways to stash our savings.

Tax day is just around the corner, and we’ve got tax expert Robbin Caruso here to answer all of your biggest questions. We hear from one listener who’s wondering whether state stimulus checks count as taxable income, and another who isn’t sure if she needs to pay quarterly taxes. We also tackle questions about changing your filing status on your W-4, and tax strategies to keep in mind when using a 529 college savings plan.

Since the start of the pandemic, a record number of people have undergone a “great money reset” — they’ve quit their jobs, changed careers, retired early, or started new businesses. So, how do we make these changes happen financially? CBS News business analyst Jill Schlesinger joins us to break down how you can do your own great money reset by analyzing your money, curbing your spending, and throwing financial assumptions out the window. In Mailbag, we answer questions about estate planning and working as an independent contractor. In Thrive, the secret money habits of super savers.

We all assume that our money is safe in our bank accounts, but what happens when it’s not? Peter Polson, CEO of budgeting spreadsheet company Tiller Money — which had almost all of its funds stored at Silicon Valley Bank — joins us to talk about his experience navigating the recent crisis. Plus, he shares the top lessons individuals should take from the bank’s failure, including ways we can all better protect ourselves from financial instability.

Have you ever thought about what you might regret at the end of your life? What if there was a way to know what those regrets are right now? Hospice doctor Jordan Grumet has heard firsthand from his patients about what they wish they’d done differently, and he’s published those insights in his book, “Taking Stock.” Jordan joins us to talk about how we can all achieve a fulfilling and regret-free life, and how we can use money as a tool to help us get there. In Mailbag, we answer questions about organizing financial documents and finding a financial advisor. In Thrive, free tax tips for 2023.

Pets are a part of our families — but they can also be expensive. That’s why we’re here to answer all your questions about budgeting for your furry friends, and we’ve got a pet expert on board to help us. Rob Jackson is the founder and “Chief Pet Protector” at Healthy Paws, a pet insurance plan, and he’s also the creator of the Healthy Paws Foundation. Rob and Jean tackle questions about how to determine a pet’s temperament before you adopt, whether you should set aside savings in advance for unexpected treatments, how pet insurance works for older animals, and more.

In this episode, we’re tackling personal finance for Gen Z, a generation that’s new to the working world and getting ready to shake up the economy. Gen Z financial adovocate Taylor Price joins us to break down the biggest money challenges facing her generation (hello, crypto and FOMO), and she also shares her tips for gaining financial knowledge and independence. In Mailbag, we answer questions about investing in crypto and the best way to pay for a car. In Thrive, how to invest in your health.

No, money conversations aren’t always easy — but they are always important. On this week’s episode we’re talking about all things friendship and money — which are two very complicated topics that get even more complicated when we throw them together. Jen Smith and Jill Sirianni, co-hosts of the Frugal Friends Podcast, break down how we can talk money with our BFFs, and why we should be doing more of it. In mailbag, we cover backdoor Roths and RMDs, and in Thrive, how to sell your stuff for cash. 

We’re officially in the middle of tax season, and this year's filing deadline of Tuesday, April 18th will be here before we know it. Tax expert and CPA Robbin Caruso of Prager Metis International joins us to discuss the biggest changes to the tax code over the past year, the most common mistakes she sees people make on their returns, and strategies to make your tax prep as successful and stress-free as possible.

We’re joined by an expert in hard work and endurance — Paralympian Oksana Masters, who has competed (and won) against the best of the best in rowing, cross-country skiing, cycling, and the biathlon. The 17-time Paralympic medalist shares her journey to becoming one of the world’s leading athletes, the obstacles she’s encountered along the way, and her advice for how all of us can build resilience in our own careers. In Mailbag, we read a note from an audiologist on the importance of hearing health and answer a question about solo 401(k)s. In Thrive, everything you need to know as a first-time homebuyer.

The phrase “limited time only” lights up our brains and causes us to spend money when we otherwise wouldn’t. That’s because we can’t stand to lose out on a good deal — even when it risks our budgets. Marketing and psychology expert Dr. Mindy Weinstein breaks down the science behind our impulse purchases and the marketing tactics that businesses use to open our wallets. Listen to learn how to resist buying into the latest trends — and how to use marketing to your own advantage. In Mailbag, we answer questions about long-term care and part-time work. In Thrive, how to stop paying the pink tax.

Valentine’s Day is just around the corner, so we’re bringing you a special episode about money and relationships. Specifically, we’re tackling how and why couples argue about money. Couples therapist Elizabeth Earnshaw stops by to give us her insight on how couples can talk through conflicts and achieve their financial milestones together. In Mailbag, we answer questions about separate versus joint financial accounts in a relationship, and how couples can get on the same page about retirement. In Thrive, the best budgeting tips for your 30s.

Post pandemic, many of us have taken a hard look at our jobs and realized that the relationship wasn’t exactly healthy. As a result, we’ve fought for some amazing changes, including higher salaries and greater flexibility. But how do we make those changes last in the midst of layoffs and an upcoming recession? Journalist Helaine takes us through the past, present, and future of work in America, and how we can keep pushing for workers’ rights. In Mailbag, we tackle questions on thrifty wedding planning and what to do after checking all the financial “boxes.” In Thrive, the best budgeting tips for your 20s.

It’s becoming more and more likely that a recession will hit sometime this year. For some, that might mean pay cuts, hiring freezes, or layoffs. How can you continue to develop your career during a less forgiving job market? Lauren McGoodwin, founder of career building site Career Contessa, joins us to discuss how to tell whether your company is struggling in the current economy, how to prepare if you suspect layoffs are coming, and what steps to take to make your job search successful. In Mailbag, we answer a question about managing a lump sum retirement payout. In Thrive, the difference between investing and trading.

Divorce is complicated enough, but inflation and rising interest rates have made the process even more expensive. And given that women are more likely than men to struggle financially post-divorce, we have to be more strategic about protecting our money. Divorce attorney Lisa Zeiderman joins us to discuss everything we need to know about divorce in 2023, from prenups to spousal support. In Mailbag, we hear from a listener who wants to declutter her house. In Thrive, 4 things to know about taxes in 2023. HerMoney is still conducting its annual Podcast Listener Survey. Take 8 minutes to help make our podcast better, and get the chance to score prizes!

We dive into all things women’s health — from periods to abortions to menopause — and why we need to talk about it at work. Joining us is Joy Altimare, the Chief Revenue Officer of healthcare provider EHE Health. We get real about how much paid parental leave you should ask for, how companies should support employees who need abortions, why burnout is a women’s issue, and more. In Mailbag, we talk about alternatives to 529s and how to break out of a cycle of debt. In Thrive, 4 healthcare expenses you shouldn’t cut, even during a recession. HerMoney wants to hear from you! Take 8 minutes to fill out our Podcast Listener Survey, and get the chance to score gift cards and HerMoney merch.

2022 was an economic rollercoaster. With stocks down, interest rates up, and inflation still hitting our wallets, where do we go from here? Award-winning economist Diane Swonk joins us to share her top financial takeaways from 2022 and her predictions for the new year. In Mailbag, we hear from a listener who contributes to her boyfriend’s mortgage, but doesn’t share official ownership of his house. In Thrive, how to get your finances organized in the new year. HerMoney wants to hear from you! Take 8 minutes to fill out our Podcast Listener Survey, and get the chance to score gift cards and HerMoney merch.

A decade ago, Ellen Pao sparked the #MeToo movement in the tech industry when she filed a gender discrimination lawsuit against the venture capital firm Kleiner Perkins. Since then, she’s worked to make tech a better place for women and people of color. Hear Ellen reflect on the industry's progress with diversity, why meritocracy in the workplace is a harmful myth, and how companies and employees in any field can make their workplaces more inclusive. In Mailbag, we hear from a listener whose parents are struggling to handle their finances because of memory issues. In Thrive, how to refresh your resume for 2023. HerMoney is conducting its annual Podcast Listener Survey. Take eight minutes to help make the podcast better, and get the chance to score gift cards and HerMoney merch!

Levain cookies are some of the most sought-after treats in the country today, and if you haven’t stood in a line around the block to get them fresh out of the oven in New York City, chances are you’ve had them shipped to your door. This week we’re sitting down with founders Pam Weekes and Connie McDonald, who started Levain Bakery 27 years ago. They tell us about their journey, their product, and what it looks like to run and grow a successful bakery. We know you'll love their sweet story as much as we do!

The holiday season is an amazing opportunity to show gratitude to all of the important people in your life. That's one reason why it can be a great time to bump up your tipping to the people who provide services that you depend on every day. But who do you tip? How much do you give for different services? Is it better to tip through cash, card, or even Venmo? And should we be tipping more because of inflation? Barbara Sloan, founder of Tipped Finance, weighs in on all. Take our annual podcast survey to give your feedback and be entered to win prizes!

The holiday season is the perfect time to express gratitude for our loved ones and communities. (HerMoney is grateful for you!) Another part of that celebration is donating to our favorite charities. Two nonprofit experts join us to break down everything we need to know about giving back. Valerie Jones is a Certified Fundraising Executive who has spent 25+ years raising money for nonprofits. Adam Nash is the CEO of Daffy, a nonprofit that helps people donate through its donor-advised fund. They show us how to prioritize our giving for the biggest impact, donate our money in a tax-advantaged way, encourage others to give, and more.

Sometimes it can feel like we don’t have a lot of power to make the economy a fairer place. A few dozen large corporations control most of what we buy, and it can feel impossible to demand change when things go wrong. Marta Tellado, president and CEO of Consumer Reports, wants to put the power back in consumers’ hands. She tells us about the predatory business practices we should all be aware of, how we can protect ourselves, and why it’s important to take collective action. In Mailbag, we answer questions about 529s and disability insurance. In Thrive, how to go green during the holidays.

It’s open enrollment season, which means now is the perfect time to take a closer look at how much you’re spending on healthcare, and see if there are better ways to save. The research shows that medical expenses have been rising for years, but we typically underestimate how much we’re paying. Synchrony Health & Wellness CEO Beto Casellas, helps us break down all of our options for saving on healthcare — from HSAs and FSAs to healthcare financing. In Mailbag, we answer questions about managing a family member’s mortgage and finding a forensic accountant. And in Thrive, the results of our latest State of Women 2022 study.

One of the most powerful ways to create social change is to do it with your wallet. And that’s why, on this HerMoney episode, we’re talking about how to support Black-owned businesses this holiday season. Joining us is LaToya Williams-Belfort, the executive director of the Fifteen Percent Pledge, which has called on retailers to dedicate 15% of their purchasing power to Black-owned businesses. We discuss what it really means for companies to support racial justice, and how consumers can continue to invest in Black entrepreneurs into 2023. In Mailbag, we answer questions about I-bonds and teaching investing to the next generation. In Thrive, a beginner’s guide to donor-advised funds.

Few things can impact our budgets and our financial lives quite like layoffs and inflation. This week, we’re tackling all your questions on how to manage during lean times. We address how to “beat” inflation, what to do if you know your company is headed for layoffs, whether or not our household spending impacts inflation, and how best to assist an elderly parent on a fixed income. Email us your questions for Jean at [email protected]!

In many ways, our jobs define us. Which can be a powerful thing. But at some point, we all have to create an identity that’s bigger than a job title. And nobody has done that better than our guest for this episode. Brandon Copeland is an NFL veteran, entrepreneur, philanthropist, and college professor. Listen in as Brandon and Jean chat about life as a professional athlete, how he juggles multiple careers, and why personal finance for all is his passion. In Mailbag, we hear from a listener who’s worried about losing salary gains in the upcoming recession. In Thrive, a financial checklist for your first pet.

For women, the path to becoming a successful business leader is filled with systemic barriers. But some of the most innovative companies are led by women — Stitch Fix, Feeding America, and Ellevest, just to name a few. How do these women do it, and what can we learn from them? CNBC reporter Julia Boorstin looked at the data and interviewed more than 60 female executives on what sets them apart. We talk with her about why female leaders are often better at expressing empathy, navigating stressful situations, instilling their companies with purpose, and more. In Mailbag, we answer questions about purchasing I-bonds and tackling wealth inequality. In Thrive, everything you need to know about cover letters.

Retirement is about more than just putting your feet up. It’s about finding fulfillment. How should you prepare your finances, your health, and your social network so you can take advantage of all that retirement has to offer? And how should women in particular plan for their later years? Maddy Dychtwald, co-founder of Age Wave, shares her insights on what it really means to be happy and healthy in old age — and how we can all get there. In Mailbag, we answer questions about pension plans and raise negotiations. In Thrive, tips for getting your small business off the ground.

We spend so much time on social media nowadays, and none of us are strangers to online harassment. But research shows that online abuse is getting worse. What can we do to protect ourselves? Software engineer Tracy Chou built an app called Block Party to help victims of online harassment take back control. She tells us about her journey creating a tech company that protects the voices of women and minorities, and she also shares helpful tips for securing your privacy online. In Mailbag, we tackle a question about managing finances with a rental property. And in Thrive, what to delete from your resume.

Changing our spending and saving habits is easier said than done. How do we actually stick to it? Jean has partnered with financial coaches Patrice Washington and Louis Barajas to answer that very question on a new show called Opportunity Knock$, where the trio works with families across the U.S. to overcome their financial challenges. In this episode, Jean talks with Patrice and Louis about their experiences on the show, the systemic barriers to financial knowledge, and how we can all lean on our communities to help us with our money goals.

It’s been another volatile few weeks in the markets, and we’re all seeing a lot of red. But history is on our side. Bob Pisani, Senior Markets Correspondent for CNBC, joins us to discuss investing pitfalls and shares some of the most common mistakes that he’s seen investors make over the years. Bob tells us what facts and numbers he focuses on to measure how well the markets are doing, and tells us why he prefers the “boring” investments to the “exciting” ones. In Mailbag, we hear from a listener being paid in crypto, and one launching a small business. In Thrive, advice for travelers with a layover.

Are you feeling stuck in your job, but don’t know how to move on? Don’t just quiet quit. You deserve a career that gives you purpose, and our guest today can help you find it. Elizabeth Pearson is an executive career coach who helps women navigate job changes, succeed in male-dominated fields, and launch their own companies. We talk about how to recognize career confinement, why you owe it to yourself to take risks, and how you can use mindfulness to feel less stressed and more confident at work. In Mailbag, we tackle questions about Social Security taxes and finding a financial advisor. In Thrive, how to save on your next hotel stay.

Personal finance isn’t one-size-fits-all. When it comes to managing our money, when does it make sense to look at data, and when might emotions or life experience matter more? Yale finance professor James Choi put this question to the test in his newest research, when he compared the advice given by economists to the advice given in bestselling personal finance books. What he found may surprise you. In Mailbag, one listener shares her struggles with selling her car. Another asks how much she would pay in capital gains tax on a home sale. In Thrive, how to negotiate a longer parental leave.

Women have been fighting for equal pay for more than a century, but the gender wage gap is far from old news. It’s still around, and there’s still more to learn about it. What do we need to know to close the gap, once and for all? We talk about the latest research with Lauren Weber, a Wall Street Journal reporter and co-author of a new study about the gender pay gap. In Mailbag, we answer questions about retirement savings benchmarks, and how much you should pay for a financial advisor. In Thrive, how to reduce costs as a wedding guest.

The Great Resignation won’t be over any time soon. Workers are still leaving their jobs for better opportunities, and companies have to step up to retain talent. There’s no better moment than now to look at managers. What role do they play in workplace culture, and how can they make their companies better? We’re diving into those questions with Jim Edwards, author of “Say Thank You for Everything: The Secrets of Being a Great Manager.” In Mailbag, we talk about the practicalities of filing for divorce, and how to restructure your investment portfolio for retirement. And in Thrive, how much it really costs to own a pet.

Women face systemic challenges when it comes to negotiations in the workplace, but we also often don’t realize our inner strengths. All of us have the power to be great negotiators, and we don’t have to pretend to be tough while doing it, either. Wharton negotiation professor Mori Taheripour joins us to discuss the misconceptions people have about negotiations, and shows us how we can succeed more by being collaborative and true to ourselves. In Mailbag, we answer questions about creating a nest egg for your child and reopening a divorce case from years ago. And in Thrive, how to make your money last in retirement.

When we’re shopping for wine, we all want to get the highest-quality bottle that won’t break the bank. But how do we know what to look for? Sommelier Victoria James is here to tell us all of her wine hacks, from which regions offer the greatest steals to how we should pair wine with food for the best experience. Sit back, relax with your own glass, and listen in!

Investing can feel overwhelming, especially in today’s market — but HerMoney’s got you covered. Tune in to hear about InvestingFixx, an investing club for women led by Jean and Karen Finerman, CEO and co-founder of Metropolitan Capital Advisors. In this special preview episode, Jean and Karen break down how to invest for long-term gains, and what strategies we should use to pick individual stocks. In Mailbag, we answer questions about how to teach investing to your kids, and what to do if you have limited savings at retirement age. In Thrive, how to let go of productivity guilt.

Sexism in the workplace isn’t always in-your-face. What do you do when discrimination is subtle, but still harmful to your career? We talk about gender-based microaggressions and how companies can create a better work culture with Katie Lacey and Lori Tauber Marcus, authors of “You Should Smile More: How to Dismantle Gender Bias in the Workplace.” In Mailbag, we help a father give financial advice to his daughters, and we offer tips to another listener on negotiating benefits at a new job. In Thrive, how to protect yourself from inflation.

Working moms are the backbone of our families and the economy, but plenty of moms still feel guilty for focusing on their careers. We talk with Lara Bazelon, a law professor and mom of two kids, about how career-focused women can be great mothers and role models for their children. In Mailbag, Scotty Reiss of A Girls Guide to Cars pops in to answer questions about selling used cars and new electric vehicle credits. And in Thrive, where to recycle your clothes for cash.

We’re all worried about the market right now, but during times of uncertainty, it’s more important than ever to take a breath and look at the data. We’re diving deep into the facts and figures driving the economy with Nick Maggiulli, data scientist and author of Just Keep Buying: Proven Ways to Save Money and Build Your Wealth. In Mailbag, we tackle questions on downsizing your home after a divorce, and what to do after receiving an unexpected inheritance. In Thrive, our best tips for holiday shopping during an inflationary period.

We’re diving into your questions about starting and growing your business—and who better to answer those questions than Amy Errett, founder of Madison Reed and a four-time entrepreneur. Tune in to hear Jean and Amy answer questions about determining how much your business is worth, and saving for retirement while you’re investing in your company. We also talk about the best ways to invest in a friend’s business, and how to hire your first employee.

Do you know how much your boss earns? What about the coworker sitting right next to you? The answer is probably “no.” Hannah Williams is trying to change that. The influencer and creator of the Salary Transparent Street video series joins us to talk about the benefits of pay transparency and the ways we can incorporate it into our own lives. In Mailbag, we discuss salary negotiation and pivoting careers. In Thrive, how to pick the best pet insurance for your furry friend.

There’s a question everyone’s asking: “Where should I put my money?” Because not only do we want to make sure our money will be there for us when we need it, we also want to know our money is doing good. Loretta McCarthy, Co-CEO and Managing Partner of Golden Seeds, joins us to discuss what smart investors do during an economic downturn, and how we can invest in companies that we can be proud of. In Mailbag, we talk investing apps and freezing your credit.

A’Lelia Bundles, the great great granddaughter of Madam C.J. Walker, and brand historian for the new haircare company MADAM, joins us to discuss what it’s been like to follow in her great great grandmother's footsteps. We discuss Madam C.J.’s work and the economic impact of her legacy for Black women. We also dish on the truth behind Netflix's “Self Made” and the current state of Black women in business. In Mailbag, we advise on selling a home and buying an electric vehicle. In Thrive, how to balance different spending styles on vacation.

We're tackling all your questions about how to navigate the reality of a volatile market, with Isabel Barrow, Director of Financial Planning at Edelman Financial Engines. We dive into emergency funds and college savings, how to invest when the economy is down, and how hands-off is too hands off when it comes to investing.

Latina women suffered more than any other demographic during COVID, which is why, when we talk about a “return to normal,” we must discuss ways to build back a more inclusive economy that works for all women. First-generation American Pamela Zapata, founder and CEO of Society 18, joins us to discuss entrepreneurship, why women need to charge more for their services and expertise, and what influencer marketing really looks like for Black and Brown women. In Mailbag, we tackle questions on creating a will when you have no children, and saving for retirement after an illness and a divorce. In Thrive, gardening on a budget.

How can we find safety while also stretching ourselves? How can we take calculated risks, and be more successful when making big money decisions? This week, we learn it all — including how to perfect our poker face — from Jenny Just, one of the few self-made female billionaires in the United States. In Mailbag, we cover where to put retirement funds, and how to save for a niece or nephew. In Thrive, how to host the cheapest summer BBQ (and still have a blast).

What does it mean to think in a contrarian way, as it relates to our money, our investments and entrepreneurship? Sometimes doing the opposite of what everyone else is doing is the best way to find success. Codie Sanchez, founder and CEO of Contrarian Thinking talks us through her best philosophies and what it's like to have multiple income streams. In Mailbag, we discuss health insurance and saving for retirement, and in Thrive, why it's time to invest, ASAP.

Today men still manage nearly 98% of investment capital, and get 97% of venture capital. Yet when women are financial decision-makers, investments are more profitable, and companies make decisions that better benefit the overall economy. This is the “ XX Edge.” And we're learning about it with Ruth Shaber and Patience Ball, authors of The XX Edge: Unlocking Higher Returns and Lower Risk. In Mailbag, we discuss real estate investing and saving late for retirement. In Thrive, how to find a job that won’t cause you to rage quit.

We’re celebrating 10 million downloads of the HerMoney Podcast, and we couldn’t have reached this milestone without you. To celebrate, we’re taking your Mailbag questions with all of the women who helped launch and grow the HerMoney Podcast: Jean Chatzky, Beth O’Connell, Kelly Hultgren and Kathryn Tuggle.

We’ve seen markets worldwide tumbling over the last few weeks, with the S&P 500 down by more than 21% since January. But other than “take a breath,” what can we actually do? This week, we tackle what we can control, what nervous investors should be doing, and the best moves to make if you’re just getting started with your investing journey, or looking to invest more in a bear market. We also dive into how we can prepare for another recession if it's coming. In Mailbag, we hear from a teacher wondering how best to invest her pension. And in Thrive, travel rewards credit cards.

What do you want most for your life and your career, in terms of goals you’ve set for yourself? What about those big goals that seem almost too big — the impossible ones that you only sometimes let yourself dare to dream? Julie Solomon, author of, Get What You Want: How to Go From Unseen to Unstoppable, tells us how to discover what’s holding us back, release limiting belief systems, and approach life from a place of increased confidence and clarity. In Mailbag, how much to save for retirement, and in Thrive, how to stop living paycheck-to-paycheck.

We heard from so many of you after our Crypto 101 episode. You had questions. This show is filling in the gaps during a time of volatility in the sector. Is it something we should be investing in? Is there a way to know if you’re buying the next Bitcoin at a low, and you stand to earn millions, or if you’ve just put your money into the next Luna? Shirin Bucknam, co-founder of Crypto Witch Club, joins us to tackle your questions. In Mailbag, we dive into how single people can get an executor for their estate, and questions on SEP IRAs. And in Thrive, what to do in times of market volatility.

We’re discussing how to get paid fairly, what to bring to the negotiation table, and what it really takes to earn more. We’re giving you scripts for how to ask for a raise, and how to respond if your request is denied. In Mailbag, we hear from a listener celebrating a big career win, and Jean advises a woman who just started a new job but it’s clearly a terrible fit and a toxic environment. Want to learn more? Sign up for our Let’s Talk Fair Pay Workshop on Tuesday, June 21st, from 1:00-2:00PM EST. You’ll have the opportunity to ask your questions and even role play with Jean and a Payscale negotiation expert!

Women’s household income drops by an average of 41% following a divorce. If you’re going through a separation, today we’re giving you a guide for what may lie ahead — and we’re getting tactical about some of the moves you should be taking to set yourself up for success. We talk about what it really takes to be financially strategic, preventative and knowledgeable. In Mailbag, we advise a listener on buying and selling a home in the era of climate change, and we talk through the advantages and disadvantages of getting married where college aid is considered. And in Thrive, how to talk to your manager about getting a raise.

We can’t talk about getting women “back to work” without talking about what, exactly, that work needs to look like. Because “work” as we’ve known it for the last 100 years, just wasn’t built for women. Lately, we’ve heard of companies with 4-day workweeks and more flexibility than we could have imagined just a few years ago. But are these changes here to stay, and can you ask for them yourself? Shannan Monson, founder and CEO of NuuWork, weighs in. In Mailbag, we hear from a “millennial in transition” who breaks down her complete financial picture for Jean, and we dive into it all. And in Thrive, a rent vs. buy checklist. 

What do you do when you’re told “no,” when what you really want is a yes? How can we pick ourselves up and move on, and turn our attention to new opportunities, or new people that want us? In this episode, we discuss how to handle rejection, with Jordan Lee Dooley, author of Embrace Your Almost. In Mailbag, we talk about making the most of social security, and helping an elderly parent with their budget. In Thrive, should you pay your parents when they babysit?

What are NFTs? Non-Fungible Tokens. But what does that mean, exactly? We break it all down with Kelly Groehler, co-founder and CEO of Alice Riot.  We tackle your most pressing questions, including: Is it safe to invest in NFTs? Where and how do you buy an NFT? Do you need a special wallet? How do you open one?How do you identify which platforms to use when buying an NFT? How do you identify which NFT to buy?What is the risk? How much money should you start with?  In Mailbag, we tackle 529 college savings plans. And in Thrive, four things you should do before quitting your job.

A very special discussion on career, motherhood, and so much more with Senator Tammy Duckworth, an Iraq War Veteran, Purple Heart recipient and Illinois Senator. She gets candid about her work, her journey into motherhood and special initiatives and legislation. In Mailbag, we answer questions on iBonds, mutual funds and taxes, and adding bonds to your portfolio. In Thrive, what you need to know about student loan scams in 2022.

What do you do when you get a medical bill that's more than you can afford? How do you negotiate, settle for less, or get your insurance company to step in and cover more? Today, we’re asking all those questions of Braden Pan, founder and CEO of Resolve, a company that negotiates your medical bills on your behalf, and to date has saved people more than $16 Million. In Mailbag, we talk money optimization tactics and market volatility.

The competition to be seen and heard on social media is fierce. So, what is life really like for an influencer, and how much do they earn? Kris Collins, “KallMeKris” has 43.3 million followers on TikTok, 5.5 million subscribers on YouTube and nearly 2 million followers on Instagram. She weighs in on what it really means to be an “influencer” and what it takes to build a brand using social media,. In Mailbag, we tackle questions on helping a family member choose a career, and the financial steps to take after losing a parent. In Thrive, the best coupon apps to save money when shopping online.

This week we’re talking about money with Rebecca Walker, editor of the book, “Women Talk Money: Breaking The Taboo.” Listen in as Jean and Rebecca talk money trauma, reimagining our relationships with money, financial lessons, and the gender and racial wealth gaps. In Thrive, we discuss the best books and educational sources for retirement, and in Thrive, the red flags women should look out for when job hunting.

This week, we’re tackling your retirement questions, with certified financial planner Rose Niang. We talk about selling property vs. becoming a landlord, relocating to a cheaper part of the country, how to save when you’re starting late, and a Roth 403b vs. a Roth IRA. If you have a question you’d like Jean to tackle on an upcoming episode, please reach out to us at [email protected].

Women — particularly women of color — are often asked to conform and perform in very specific ways in order to be accepted or taken seriously. It’s exhausting. This week, we’re discussing burnout, trauma, and how women of color can be respected for their full spectrum of ideas and perspective they bring to the workforce, with Deepa Purushothaman, author of THE FIRST, THE FEW, THE ONLY: How Women of Color Can Redefine Power in Corporate America. In Mailbag, we take questions on the best options for investing/saving for children’s futures (including 529s) and we discuss backdoor Roth accounts. In Thrive, 10 places you can get birthday freebies.

Forging new friendships. For adults, it can be tough. We’re talking befriending and de-friending, celebrating, apologizing, and everything in-between, with Amy Weatherly and Jess Johnston, authors of the book, “I’ll Be There (But I’ll Be Wearing Sweatpants).” We talk internet friendships, cheap dinner parties, friendship apps, and more. In Mailbag, we tackle questions on annuities and health insurance. And in Thrive, how we blow our wedding budgets (and how to save). 

Are you looking to inspire a young adult in your life to become financially responsible and independent? We sit down with Bobbi Rebell, CFP and author of “Launching Financial Grownups” to take your questions. We cover: How to teach your kids to be good with money when you aren’t great yourself, what to say to an adult child who needs financial help when you need to save for your own goals, and how to teach your kids to budget and prioritize money when they have zero interest. If you have a question for Jean, please drop us a line at [email protected]!

Ursula Burns paved the way for so many women — particularly women of color — to gain a seat at the table, and to have our voices heard. She sits down with Jean this week for a candid conversation about career, race, family, and so much more. Ursula is the retired Chairman and CEO of Xerox, the founding Partner of private equity firm Integrum Holdings, and under President Barack Obama, she led the White House national program on Science, Technology, Engineering and Math (STEM). Listen in as Jean and Ursula discuss what it meant for her to climb the ladder in corporate America before many women could even see a path up that ladder for them to climb.

What do women actually need, now, in 2022, to get back into the workforce and have fruitful and meaningful careers and lives? Reshma Saujani, founder of Girls Who Code and author of the new book, “Pay Up: The Future of Women and Work” joins us to discuss. (No, we don’t just need to break the glass ceiling — we need to rebuild the foundation of work itself.) In Mailbag, we tackle annuities, and getting a will and trust. And in Thrive, the top financial scams of 2022, and how to avoid them.

It’s time we took a critical look at our mental health. If you’re struggling, you are not alone. We chat with Melissa Bernstein, co-founder of toy company Melissa & Doug, and creator of LifeLines, a mental health platform that helps women who are struggling. She gets tactical about how we can truly take care of ourselves, and offers techniques for surviving — and thriving. In Mailbag, we discuss leftover money in a 529 and spending in retirement. In Thrive, what to do if you haven’t been able to save. 

In this special on the stock market and the economy, we discuss what's happening on the world stage, and what it means for your money. We take a look at what you need to know about inflation, covid, the situation in the Ukraine, and a possible recession, as it relates to your portfolio, your 401(k), your IRA, your mortgage, your plans to buy a home, and so much more. With Ben Keys, an economist at Wharton.

Essential change is needed today for Black women in corporate America. How can we bridge the racial wealth gap and tackle the challenges Black women face in their careers, with retirement, and building wealth? FIRE coach Dr. Lakisha Simmons tells us how we can use this transition period in corporate America to ensure that more Black women are elevated to the C-suite, secure higher salaries, and invest. In Mailbag, we discuss paying down credit card debt before getting married, and how much to save for a new baby. In Thrive, how to invest in art. 

Why does so much financial advice only apply to the wealthy few? It's a question asked (and answered!) by Paco de Leon, founder of The Hell Yeah Group financial firm for creatives, and author of the book, Finance for the People: Getting a Grip on Your Finances. She breaks down the money education we all need today, no matter how much we earn. In Mailbag, we talk about saving in an IRA if you’re unemployed, and finding a fiduciary when you’re already financially savvy. In Thrive, the morning routines of successful CEOs. 

It’s time for some excitement in the kitchen, and ideas for how we can create new food favorites — and save money while we’re at it. Leanne Brown, chef and author of bestselling cookbook Good and Cheap breaks down how to eat well on $4.00 a day, and hacks for grocery shopping and preventing food waste. In Mailbag, retirement and savings priorities, and in Thrive, conversations to have before you get married. P.S. If you haven’t already joined the HerMoney Council, we’d love to have you with us!

If dating apps just haven’t been working for you, you aren't alone. Not only are we spending more time on them than ever, we're also spending more money. So, how can we put our best foot forward to meet someone in 2022, without spending a fortune (and without meeting a Tinder Swindler)? Bela Gandhi, CEO of Smart Dating Academy, breaks down how to meet your perfect match... And to everyone in our HerMoney family, WE <3 YOU!!!  P.S. If you haven’t already joined the HerMoney Council, we’d love to have you with us!

When we start losing our hard-earned money in the market, we want to put a stop to it. We want to take action. But statistically, we know that investors who stay the course do better over time than those who try to time the markets. Jinny Uppal, author of “IN/ACTION: Rethinking the Path to Results," dishes on why we should stop listening to the voice in our head that tempts us to a default action path. "The belief that ‘I am the one who can control the outcome with my action,’ makes us take more action than is necessary," she says. In Mailbag, we advise a divorced listener on setting up a trust for her son. And in Thrive, how to host a Galentine’s Day party on a budget.  P.S. If you haven’t already joined the HerMoney Council, we’d love for you to join us!

What does it mean to be financially confident? What about financially responsible? And how can we do it all during an era when our goals are ever-shifting? Because we all want to become more financially conscious along the way, too. Ashley Feinstein Gerstley, author of Financial Adulting, dishes on all. In Mailbag, we discuss ESPPs and how to set up a trust to ensure that your children get all your money, not your husband’s new spouse. And in Thrive, the couple’s guide to setting 2022 financial goals.  P.S. If you haven’t already joined the HerMoney Council, we’d love for you to join us!

We've got a rundown on everything you wanted to know about investing in Bitcoin (or any other form of cryptocurrency) how to open a Coinbase (or other crypto trading) account, how much to invest, and more. If you're still sitting on the sidelines asking, "Should I?" or "Am I too late?" then this episode is for you. In Mailbag, we hear from a listener who’s son’s “Plan B” college choice turned out to be the BEST decision, and how to adjust 529 allocations during volatile times. In Thrive, how to create a financial vision board. P.S. If you haven’t already joined the HerMoney Council, we’d love for you to join us!

We dig into how you find a new job, how to get paid more for it, how far you can push employers when it comes to flexibility, salary and other perks, and how to write that resignation letter that’s been keeping you up at night. We do it all with Kathryn Minshew, CEO of The Muse. In Mailbag, we talk salary negotiation and refinancing student loans. P.S. Interested in joining our HerMoney Council? If so, you'll become one of our advisors. You'll weigh in on research, events, content, big ideas for our brand — and you'll often have direct lines to the HerMoney team. If interested, please sign up here. If you don't receive a confirmation email, check your spam folder or email [email protected] and we'll get you added. Thanks so much!

During the pandemic, we lost 30 years of progress for women in the workforce. Today, more than 80% of CEOs are male, and women are often "punished" when they ask for a raise. We. Must. Take Action. Stacey Vanek Smith, author of “Machiavelli for Women" is here to help. Her book has been heralded as THE handbook for any woman who is ready to learn how to wield her power unapologetically and finally break that glass ceiling for good. In Mailbag, we talk raises and 401(k)s, ad in Thrive, how to make fast (and cheap!) furniture purchases.

Drumroll, please! Not only is it our first episode of 2022, it also happens to be number 300 in this amazing HerMoney journey that we’ve all been on together since 2016… This week, we're doing a special Mailbag edition where our listeners call in and ask Jean their questions directly! Listen in as Jean advises on retirement and family planning, target date funds and a lost job. P.S. Don't forget to take our listener survey for a chance to win prizes!

Where do you stand with your financial resolutions, and how can you make 2022 the year you reach your goals? We sit down with Meredith Stoddard, Vice President of Life Events Planning at Fidelity Investments, to answer your top questions, including how to save in an HSA and an emergency fund, getting a new job, asking for a raise, saving for retirement, and more. From all of us at HerMoney, Happy New Year!

Ready to get organized and make money? We're walking you room-by-room to decide what’s worth keeping, what should be thrown away, what should be donated, and what should be sold. Professional organizer Anna Bauer walks us all through how to get a perfectly organized closet. In Mailbag, questions on long term care insurance, and on upgrading to an electric SUV.  In Thrive, the foods you should buy in bulk in order to save money. 

Wondering how best to invest for life’s myriad short- and long-term goals? Investing the “right” way is a complicated topic, with no single answer. That’s why on this week’s Bonus Mailbag, we tackle your investing questions, with the help of Ryan Viktorin, VP at Fidelity. Jean and Ryan advise listeners on what to do with liquid funds saved for a down payment on a house, selling investments in a taxable account, saving for retirement and more. Got a question for us? Write to us at [email protected]! And please take our listener survey and enter to win $100 gift cards!

This week, we're talking about investing for good — investing in the kinds of companies and funds that allow you to earn a profit, but that also have a hand in helping make our world a better place. Many companies are looking to elevate women, they're carbon neutral, and they're fighting the same fight for social justice and change that we are. But where do we even begin? Jean Case, CEO of the Case Impact Network and founder of For What It’s Worth, tells all. In Mailbag, listen closely and you'll hear Jean's adorable new puppy Norman snoozing away... She advises an aspiring homeowner who has been price out of the market, and we check in with a woman who received a negative reception from her benefits provider when she tried to open her IRA. In Thrive, the top trends to watch in sustainable fashion in 2022. 

Today, the population of single women in the U.S. is 60 million. And while we have buying power, careers, and vibrant lives, in so many cases, single women are just ignored. And often, they get left behind, financially speaking. Jill Gianola, author of “Single Women and Money" tells us how we can work towards a place where single women can achieve all their goals. In Mailbag, how to retire at 55, and how to invest a holiday bonus. In Thrive, the 10 things we can do to combat climate change and save money. 

As we head into a New Year with high hopes for what it holds, we need goals. We need plans. And we need intention. Teneshia Jackson Warner, founder and CEO of EGAMI Group, tells us how to catapult ourselves from where we are to where we want to be, how to escape the 9-to-5 grind, embrace more risk, start a business, and pursue our biggest and boldest dreams. In Mailbag, we talk about asset allocation, and buying a new home before you sell your old one. In Thrive, ending a car lease early.  Please take our listener survey and enter to win $100 gift cards!

This week we’re talking about buying property — specifically, buying your first investment property. We dive into how and where to find your first property, what to look for, what you should know as you search, how much you can expect to spend, and what you need to know about a mortgage. Liz Faircloth, co-founder of the Real Estate InvestHER community explains all (including pitfalls and compromises!) In Mailbag, we discuss financial gifts for a grandchild, and where to put additional savings. In Thrive, how to build confidence. Take our annual listener survey and win a $100 gift card!

What would it take for you to finally feel organized, and embody your “most productive self”? Julie Morgenstern, one of the world’s leading experts on organization, productivity and time management discusses home organization, scheduling, new routines, and how to get to a better place with our to-do list in 2022. In Mailbag, we hear from a listener who just got a raise, we advise a listener in NYC on where to put her money, and we do a retirement readiness check for a listener in Hawaii. In Thrive, your 2021 holiday budget.  Take our annual podcast survey and win prizes! We want to hear from you, and know how we can make the show better for you!

The 21st century is going to be the most disruptive period humanity has ever lived through. By 2030, it’s estimated that 30% of all jobs will be impacted by automation, and in the decades to come, we’re going to see vast changes in the economy and in how we work. Brett King, author of “The Rise of Technosocialism" joins us to discuss. In Mailbag, we advise listeners on moving states + selling company stock. In Thrive, the 5 strategies you need for making a tough financial decision.

Women of color have long been denied equity in the workplace. Black women face racial trauma that ranges from blatant racism to microaggressions, to being overlooked for the best assignments or projects. Minda Harts, founder and CEO of The Memo, and author of “Right Within” joins us for an important discussion on how we can heal from racial trauma in the workplace. She shares a 5-step plan for addressing trauma, and what it means to be a good manager and ally. In Mailbag, how to pay for your financial planner, and buying a home if you have limited assets in retirement. In Thrive, managing your finances post-divorce.

Many caregivers are feeling more overwhelmed than ever as we head into year 2 of the pandemic. 79% of caregivers said that the decision to give their time and energies in such a way has set them back on a variety of fronts, including financial goals, social life, mental health and career. In this week’s episode, we’ve got solutions. Meredith Stoddard, Vice President of Life Events Planning at Fidelity Investments breaks down some of the most challenging things that women are facing, and discusses how we can take steps to lessen our burdens. In Mailbag, we talk making your nieces your beneficiaries, getting a "deed upon death," and benchmark retirement milestones. In Thrive, the new rules of allowances for kids.

Yes, women lost more jobs than men during the pandemic, but we were also more than twice as likely to start a business than men. If you're looking to prioritize your entrepreneurial vision and find success, this episode is for you. We sit down with Amy Errett, CEO and founder of Madison Reed who who led her team through 130% growth and a 12 times increase in customer demand during the pandemic, without one single layoff. In Mailbag, we tackle a questions on asking parents for money, and what it means to be on track for retirement and family goals. In Thrive, how to lower your stress level.

We answer all your questions about how to find an advisor, minimums required to work with an advisor, how often you should meet with your advisor, how to "break up" with an advisor, and so much more. We do it all with the help of Pam Krueger, Founder and CEO of Wealthramp. If you have questions for us for an upcoming episode, write to us at [email protected]!

We take a deep dive into student loans, the FAFSA, and the best borrowing strategies. We all have a unique financial situation, and where our kids decide to go to school, and what they decide to study has everything to do with the price tag of their education and their ability to pay down their debt. Thankfully, there are options for everyone, and Christine Roberts, Head of Student Lending at Citizens Bank, helps us break them all down. (Yes, we tackle the all-important “save, spend, or borrow” question!) In Mailbag, we dive into saving for our kids + our own retirement.

What does it mean to invest for the financial goals that we have outside of retirement, and how (and where) can we do more of it? Lorna Kapusta, Head of Women Investors at Fidelity, helps guide us through our questions about the money we'll need in 5, 10 or 15 years time. (Hint: There is a real opportunity cost to not investing.) In Mailbag, Jean advises a listener who is selling her home, and a woman who is wondering if she should have asked for a larger raise. In Thrive, the phrases you should avoid saying in a job interview, and what to say instead.

We're taking a deep dive into all things college + education costs, answering listener questions. (Got a question for us? Email us at [email protected]!) We sit down with Rita Assaf, squad leader for Retirement and College Leadership at Fidelity Investments, to help us tackle all your questions. Jean and Rita discuss: Paying for college while you're in college, making up for lost time if you haven’t been able to save, how to help cover college costs for a niece and nephew, and more.

What really makes us happy when it comes to our money? We often talk about the numbers, but what about the joy? Wes Moss, author of What the Happiest Retirees Know, shares what the happiest retirees in the world have in common, and how we can all walk a more joyful path as we age. In Mailbag, we discuss starting to save for retirement in your 40s, and the best resources for young women just starting their financial lives (Hint: Our new HerMoney book, How To Money, is the perfect place to start!) And in Thrive, what to do if you know you’re going to miss a credit card payment.

We dive into all your questions on whether you can be “too IRA focused,” what the truth about backdoor Roths really is, and whether or not you need a “Super Roth.” We also talk about saving in a SEP IRA when you have a full-time job + a side gig, and rolling a 401(k) into an IRA, all with the help of Ed Slott, CPA and author of: The New Retirement Savings Time Bomb. (You may have heard him on Episode 265: IRAs: Everything You Need To Know, and on Bonus Mailbag 26: The Ultimate Guide To IRAs.) If you have questions for an upcoming episode, please write to us at [email protected]!

This week’s episode tackles the sensitive topic of financial abuse, which may be difficult for some to hear. A staggering 99% of people in abusive relationships experience financial abuse, and this episode is dedicated to ensuring that all our listeners are able to get to a safe and secure place with their money. We sit down with Katie Hood, CEO of The One Love Foundation, and Rebecca, a woman who bravely shares her personal story of the financial abuse she endured, and was eventually able to escape from. We discuss what financial abuse looks like, how to escape, and how to help a friend.

Are you looking to buy or sell a car? New and used vehicles have increased in price by 30% since the start of the pandemic, and women buy or jointly purchase 85% of all cars. This week, we take a deep dive into all your car questions, whether you're looking to buy new, buy used, or sell, with Scotty Reiss, founder of A Girls Guide to Cars. In Mailbag, we talk about cars damaged in natural disasters, and saving for retirement in your 30s + following the FIRE movement. And in Thrive, how not to get fired from your full-time job because of your side hustle.

This week we dive into all things body positivity, self-love, health and wellness, with Jessamyn Stanley, an internationally acclaimed voice in the wellness space. She’s the author of two books: Every Body Yoga and YOKE: My Yoga of Self Acceptance, which explores issues of self-love, body-positivity, and race. We discuss the intersection of health and money, the pandemic's impact on Black women, and more. In Mailbag, we discuss prioritizing student loans, a 401(k) and emergency fund, and how to invest a $130,000 profit on a home sale. In Thrive, how to save money on travel.

“Success” can be a loaded word — the journey there is not always healthy. There are sacrifices. There is burnout. And sometimes big paychecks translate into big headaches. But it’s possible to walk a path to greatness that feeds our soul without crushing it. Brad Stulberg, author of The Practice of Groundedness, shares what a sustainable model for success really looks like. In Mailbag, we talk about saving too much + what to do with your car if you’re moving overseas. In Thrive, how to know if your new job offer is really worth making the jump.

Need a wardrobe refresh? In this week’s bonus Mailbag, we’re dishing on everything that goes into our closets. What should we be looking for at thrift stores? Is tailoring really worth it? What about dry cleaning? And when we head back to the office, what should we be wearing to work? Fashion and beauty expert Jacqui Stafford (who recently joined us for Episode 273: Help! I Have Nothing To Wear) is back to answer all your questions with her practical ‘best girlfriend’ style advice.

44% of couples admit to arguing about money, and 18% of us identify money as our greatest relationship challenge. The truth is, we all need to be talking about our money more — a lot more. Stacey Watson, head of Life Event Planning at Fidelity Investments, shares how couples can get to a better, more empowered place in our relationships. In Mailbag, we discuss how to have a "retirement budget" and paying for private elementary school. In Thrive, why you already have a prenuptial agreement…even if you didn’t sign one.

The reason why risks seem like such a big deal is because we never really know if we’re going to be successful. We might fail. But what if we could approach our risk-taking with a better understanding of what’s required to achieve lasting success? Or with more faith that we could find a silver lining in the face of failure? Sukhinder Singh Cassidy, author of Choose Possibility, offers the ultimate guide to decision-making and risk-taking for anyone who's ever been afraid of making the wrong choice. In Mailbag, where to invest an extra $3,000 a month, and buying a home while earning $48,000. In Thrive, inherited wealth for millennials.

How can we ensure a healthy retirement for ourselves + a successful financial start for our children? This Mailbag-only episode is all about college and retirement. We talk 529s, 401(k)s. paying for college as a single mom, life insurance, and what to do if you're facing college bills + retirement in quick succession. If you have a question you'd like Jean to tackle, write to us at [email protected]!

How often do you say "yes" to things you don't want to do? We all have our boundaries tested from time to time, but we have to guard our free time and protect our sanity. The good news is, it can be done! Terri Cole, psychotherapist and author of Boundary Boss, helps us all learn how to say “no” when we’re used to saying “yes,” and put up guardrails when we need them. In Mailbag, we look at buying a home when you're planning to move in 3-5 years. In Thrive, a breakdown on tailoring your clothing — is it really worth it, and where do you go?

Even though we're back sharing real-life hugs and kisses instead of just texting digital hearts back and forth, the truth is, we're lonely. 61% of Americans report being lonely, despite the fact that we're all more "connected" now than at any point in history. Adam Smiley Poswolsky, millennial workplace expert, and author of Friendship in the Age of Loneliness: An Optimist’s Guide To Connection, shares how we can meet new people, maintain friendships, and dive deeper into the relationships we love most. In Mailbag, we look at the best accounts to set up for children, and in Thrive, how to create a post-pandemic budget that you can actually stick with. 

What is "rich" to you? How much are you looking to save before you feel "comfortable"? Tori Dunlap, CEO of Her First 100k is dedicated to fighting financial inequality for women, and is here to teach us all how to negotiate, the importance of maxing our Roth IRAs, and how to budget without depriving ourselves of what we love. In Mailbag, we break down how to fill out the FAFSA with your ex-husband, and the need to have a fiduciary listed in your will for ease of distributing your estate. In Thrive, what NOT to do if you win or inherit money. 

Whether you’re planning on buying, selling, renting a property, refinancing, or just waiting out this crazy market, we’ve got you covered. In this dedicated Mailbag episode, Jean tackles questions on rental properties and cohabitation agreements, how income from rental properties should be added into our retirement equations, and how best to use an inheritance windfall — to pay off a mortgage or invest in the market? We then explore recasting loans, and the value of refinancing if you're considering a move. Thank you so much to all our listeners for writing to us! Reach us with your questions for Jean anytime at [email protected]!

We know of absolutely no one whose careers were a straight-arrow trajectory, who absolutely loved very single job they've ever had. Sometimes, our jobs suck. Sometimes, we feel stuck. But we can always pivot, reinvent and find what’s been missing in our careers. Ashley Stahl, author of You Turn: Get Unstuck, Discover Your Direction, Design Your Dream Career. tells us how we can do just that. In Mailbag, bank account beneficiaries and student loan forbearance. In Thrive, the items on your credit report that will scare lenders.

Americans drank more — a lot more — last year. Alcohol sales were up by 54%, and women’s “heavy drinking days” increased by 41%. With wine-fueled 5K races, after-work happy hours and boozy brunches, we are surrounded by alcohol. This week we’re talking about it all with Laura McKowen, author of the bestselling memoir, We Are The Luckiest: The Surprising Magic of a Sober Life, and founder of The Luckiest Club, a global sobriety support community. We discuss why we drink, how much we spend on drinking, the sober life, addiction, and so much more. In Mailbag, we talk about refinancing student loans and rebalancing your 401(k) In Thrive, could your hybrid workplace be toxic? 

There’s been a shift in the job market. More jobs can be done remotely than ever before. More companies are hiring. And — great news — salaries are on the rise. So, how do you stand out and secure one of these jobs for yourself?  Irina Novoselsky, CEO of CareerBuilder​, weighs in on all, including the biggest areas for growth, and how women can excel. In Mailbag, Jean and Irina tackle questions on how to make a career transition and how to ask for a raise. In Thrive, how to save money while working from home. 

What should we wear to work? What looks good in the modern office? Fashion and beauty expert Jacqui Stafford gives us a rundown on the investment pieces we need in our wardrobe now + forever. In Mailbag, we discuss long term care premiums, how to encourage a child to spend less and save more, and how to become a financial planner. In Thrive, are you falling victim to "revenge spending"? Our post for this episode at HerMoney.com has links to our favorite products!

Are you an investor? Do you want to be more successful at playing the markets? In this episode, we're looking at what makes a “great” investor, and how we can all get there. This week, we're joined by William Green, author of the book: Richer, Wiser Happier: How the World’s Greatest Investors Win in Markets and Life, and Laura Geritz, CEO and Founder of Rondure Global Advisors, a woman-owned investment firm. The pair tell us how many of the world’s super-investors found their path, and how we can do the same. In Mailbag, we talk IRA conversions and getting financial power of attorney for a mother-in-law. In Thrive, the skills you learned in your entry-level job that need to go on your resume, ASAP. 

What’s at the top of your list of needs? Specifically, your financial needs? Maybe — just maybe — you need a budget. At HerMoney, we would argue that everyone does, and so would our guest this week, Jesse Mecham, founder of You Need A Budget. Listen in as Jesse advises us how to break the paycheck-to-paycheck cycle, get out of debt, and save more money. In Mailbag, we discuss saving for retirement while in med school, and investing in moving homes due to negative experiences with a neighbor. In Thrive, ways lower your healthcare costs.

Americans spent $143 billion on mobile apps in 2020. Since the pandemic began, Amazon's sales have grown by more than 40% and its stock nearly doubled. But who is really winning and losing in one-click America? Alec MacGillis, author of the new book"Fulfillment" tells us what Amazon is doing to our hometowns, our wallets and even our brains. In Mailbag, we discuss moving funds from tax-deferred accounts into Roth accounts, and managing rental properties in retirement. In Thrive, how to cut out food waste.

Over the course of the last year, it seems change happened all around us — but this week’s episode is for those who are aspiring to change themselves. Dr. Katy Milkman, author of "How To Change" discusses how our daily decisions affect our prosperity and our happiness, and how to create real and lasting change in our lives. We also discuss women and work, and how to make some of the big decisions many of us are facing now. In Mailbag, navigating an inheritance while on SSI, and corrective distributions for 401(k)s. In Thrive, reassessing our financial goals. 

Nearly 16 million people have moved recently, and millions more looking to create more beautiful living spaces. But how do we know where to start, how much to spend, or what’s really going to have the biggest impact? Interior designer James Farmer joins us to share how we can make our spaces more personal and beautiful, all while sticking to a budget. In Mailbag, funding retirement + buying a second home, and how to "borrow" from yourself for a down payment. In Thrive, how to identify your financial weakness and overcome it. 

Dr. Jen Gunter, “Twitter’s resident OB/GYN,” and author of the bestseller, “The Vagina Bible,” joins us for a candid discussion about what it really means to go through menopause — not just to survive it, but to move through it in a better, more empowered way. She discusses takeaways from her new book, “The Menopause Manifesto,” and we dispel some misconceptions surrounding menopause and women’s health. In Mailbag, we tackle questions on retirement savings benchmarks and home buying in this hot market. In Thrive, how to get comfortable asking for a raise — and why more women don’t do it.

Are nuptials in your future? Whether you're a bride, a bridesmaid or a guest, things look different this year. Many brides are hosting “minimonies" with smaller crowds, getting married in private homes, and spending less on everything, including dresses. Enter Grace Lee and Monica Ashauer, co-founders of Birdy Grey, bridesmaid attire company, known for its $99 dresses. (Yes, they're all $99!) They talk about what's new in weddings for 2021, and how to cut costs. In Mailbag, we hear from a bride unsure whether to spring for a father-daughter dance, a mom unsure if her contribution to her son's wedding is a sufficient present, and an investor debating a new property. In Thrive, how to teach your kids about money. 

There’s so much to unpack with IRAs — individual retirement accounts — that we did a dedicated Mailbag episode to tackle your most pressing questions. Jean joins expert Ed Slott, CPA and author of The New Retirement Savings Time Bomb to answer listener questions on SEP IRAs, Roth IRAs, IRA rollovers, IRA contributions, IRAs vs. 401(k)s and so much more. (If you have a question for Jean to tackle on an upcoming episode, please drop us a line here!) 

This week we’re tackling all things IRAs — individual retirement accounts — because there is SO much there: traditional IRAs, Roth IRAs, IRA conversions, SEP IRAs, spousal IRAs, backdoor contributions and more. Jean sits down with Ed Slott, CPA and author of "The New Retirement Savings Time Bomb" to take a deep dive into all things IRAs, and what they can do for you and your financial future. Our mailbag for this show is a special episode of its own, Bonus Mailbag #26: The Ultimate Guide To IRAs. (We just had too much to say for one episode!)

Our families are a big reason why so many women stepped out of the workforce during COVID. But after putting others first for over a year now, it's time to get back on track with a real financial check-up. Sangeeta Moorjani, Executive Leader for Workplace Investing at Fidelity, breaks down the main building blocks to a solid financial plan and tells us how to get started. In Mailbag, saving for children and how pensions factor into retirement planning. In Thrive, rebuilding savings.

The majority of women — 77% — say they see money in terms of what it can do for their families. And while family = life, your money is the tool that’s going to get you where YOU want to go. Chelsea Brennan, founder of Smart Money Mamas, talks about the new investing rules for 2021 and beyond. We also talk career breaks + budgeting for life events. In Mailbag, we tackle paying for college and best practices with old retirement accounts. And in Thrive, why 1 In 3 women of color are planning on leaving their jobs by next year. Sign up for our special weeklong Motherhood & Money series here. This free program starts May 3 and offers moms the support + solutions they need now to get back on track with their finances.

More than 85% of women are stressed about their finances, but it doesn’t have to be that way. Tiffany Aliche, The Budgetnista, tells us all how to “get good” with our money, how to take control of our finances, and get a handle on exactly where we’re headed. Tiffany takes us step-by-step through some important ways we can attain financial security + peace of mind. In Mailbag, we talk about investing vs. paying down credit card debt, how a woman living overseas can invest for the future, and how much to pay in cash vs. taking out a loan when buying a car. In Thrive, kids and money in a post-COVID world. 

70% of us are planning to redecorate our homes this year. Are you one of them? Tiffany Brooks, host of HGTV’s “Smart Home” and “Rock The Block" shares some of her favorite design touches and walks us room-by-room through a home. She shares the most impactful changes we can make, particularly if we’re on a budget. In Mailbag, we tackle questions on the best vehicles for retirement investing, how to set up a secure account for a minor, and how best to invest stimulus money for your children. In Thrive, Jean tackles how to forgive yourself for financial mistakes.

What should we be doing now to earn more? To not only know our worth but be paid our worth? Claire Wasserman, founder of Ladies Get Paid, tells us how women can get recognized and rewarded at work and get paid what we deserve. We talk about networking during COVID, and networking internally once we’re hired, in a remote work environment. In Mailbag, we talk career transitions and pay cuts, and protecting our retirement earnings from a tax hit. In Thrive, spring cleaning your finances.

The gender confidence gap is real. So, what can we do? Katty Kay and Claire Shipman, authors of the book, “Living The Confidence Code” are here to empower the next generation of young women to make a difference in the world. The pair discuss the importance of role models who are real, and the pivotal cultural moment we’re in now for women’s leadership and representation. We talk about some of the best ways we can all give ourselves (and the women around us) a boost. In Mailbag, how to prevent identity theft, and how to manage a successful retirement when your partner has less saved than you do. In Thrive, how to escape your work-from-home productivity slump.

Are you rethinking what you want out of your working life, or looking for a new job? Almost half of us make a major career change at some point, but where do we start? Lindsey Pollak, author of, “Recalculating: Navigate Your Career Through the Changing World of Work” walks us through how to recalculate our careers with new networking techniques, rockstar applications, social media and more. Which of your skills are translatable? Reinvention is easier than you may think. In Mailbag and in Thrive, we talk about retirement strategies and securing our futures. 

While the future is definitely still female, the truth is, we lost far more women than men from the workforce this past year with COVID, many of them women over 50. How can older women reclaim their workplace power and confidence, and go boldly into this next stage of their careers? Bonnie Marcus, former CEO and author of the new book “Not Done Yet!” tells us how. She breaks down the most common ageist assumptions in the workplace, the “myth of meritocracy,” and how to check our own self-limiting beliefs. In Mailbag, questions on student loans, emergency funds, and IRAs. In Thrive, your $1,400 that’s coming, and all your new stimulus FAQ, answered. 

Despite the down economy and record unemployment, thousands of companies ARE hiring. If you lost your job or if you know that it’s time for a change, this show is for you. Dorianne St Fleur, founder and CEO of Your Career Girl, a career development agency for women of color, walks us through the best strategies for landing a new job and getting promoted, even in an uncertain remote work world. In Mailbag, we tackle listener questions on financial literacy for children and buying a vacation property in Mexico. In Thrive, how to get a promotion — yes, in the middle of a pandemic. 

Are you distracted? Stressed? Unable to focus or sleep without thoughts racing? Us, too. Thankfully, neurologist and integrative medicine specialist Dr. Romie Mushtaq is here to help us cure our “busy brain,” minimize stress, and prevent burnout. She walks us through a mini meditation and offers concrete steps for finding calm. In Mailbag, we advise a recent college grad on where to put her savings, and we dive into mortgage refinancing and charitable giving. In Thrive, Jean breaks down five ways to improve your credit score and secure the home of your dreams. 

These days, it’s easy to spend $300,000 on four years of education. But what’s really “worth it”? How much should you be spending and where should you be negotiating? Ron Lieber, author of The Price You Pay For College breaks it all down for us. He tells us why college really costs so much, how to navigate the complexities of the financial aid system, and breaks down the best savings strategies. In Mailbag, we tackle questions on paying for college, establishing Roth IRAs for college students, and how to prioritize student loans vs. saving for retirement. In Thrive, the 5 financial moves you need to make now to get your high school senior ready for college. 

Today we answer the two questions that Jean gets asked most often: When do I need a financial advisor, and how do I find one? Pam Krueger, founder and CEO of Wealthramp and host of Money Track, breaks it all down for us. We talk types of advisors, what a “fiduciary” does, and the steps to take if you’re ready to work with someone. In Mailbag, advice for a listener who came into a sizable inheritance but has no other savings, and questions on whole life insurance, retirement catch-up contributions and rolling over an IRA vs. starting a new one. In Thrive, how to stop money fights in their tracks.

Are you swiping right on potential new partners? A majority of women say their dating lives aren’t going well, but apps are more popular than ever. What’s going on? Author Jon Birger says modern dating is in crisis, but he has a solution. In his new book Make Your Move: The New Science of Dating and Why Women Are in Charge, he tells us how we can take charge of our dating lives. In Mailbag, we tackle questions on using Medicaid when our savings run out, and hiring a bill negotiator. In Thrive, the money conversations to have with your partner every year. 

For the thoughtful, long-haul investor, the news this past week has been frustrating and confusing. What happened with GameStop? What is a “short sale” and how did the whole thing get started on Reddit? Karen Finerman, President of Metropolitan Capital Advisors, breaks it all down for us, and talks about what it means to invest with confidence. In Mailbag, we talk about saving in a HYSA vs. saving in the stock market, and whether to maximize a retirement account or put money somewhere else. In Thrive, 2021’s ultimate debt pay-off plan. 

From selling greeting cards at a local gift shop to $1 billion in lifetime sales — that’s the incredible path of artist Mary Engelbreit, who tells us how we can turn our art and creations into a valuable income stream. We talk about selling your products on Etsy vs. exhibiting in galleries, promoting yourself, and the journey from artist to entrepreneur. In Mailbag, what to do with our investment dividends, taking a pension vs. cashing it out, and being prepared for a layoff in the face of job uncertainty. In Thrive, combating our nerves to earn better investment returns. 

Are you looking to make a change with a new job, career growth or a raise? Then listen to everything Rachel Rogers, CEO of Hello Seven, has to tell us this week! Rachel dishes on how to ask for more money, and what makes her say “yes” when one of her employees asks for a raise. She talks about how we can find roles that don’t just provide us with a paycheck, but also profit sharing, equity, commission and more. In Mailbag, we talk about switching 401(k) contributions from a ROTH to a traditional account, and financially assisting our aging parents. In Thrive, the email phrases that make you sound unprofessional.

Where are you spending? Where are you saving? Are you making truly meaningful decisions about your money? Are you making progress towards your bigger goals? Where do you want to be in 12 months? What about 12 years? Peter Polson, CEO of Tiller Money, walks us through budgeting basics, budgeting technologies, and a step-by-step guide to getting started. In Mailbag, we talk about donating to those who need it most, buying a new home for a nervous buyer who overcame homelessness, and getting pre-approved for a mortgage. In Thrive, 2021’s new rules of job offer negotiation. 

When the time comes for us to support an elderly family member, finances are a big piece of the puzzle. But what does this mean for you, as a potential caregiver? You’ve got to start having discussions around money, retirement assets, and wills now — as in, today. We sit down with Cameron Huddleston, author of “Mom and Dad, We Need to Talk” for a step-by-step guide to the conversations we need to have. In Mailbag, we tackle questions on home sales, financially supporting our parents, and how best to invest and allocate non-retirement funds. In Thrive, we tackle winter’s productivity slump.

These last few months have turned our working lives upside down. Jean dives in to tackle your most pressing career-related challenges. We talk about making the transition from a high paying field into childhood education, how to save for retirement after a layoff, and how to prep your resume when you’ve been working for yourself for over a decade. We also hear from a listener who took on debt while she was out of work for three years and is unsure how to move forward, and we check in with a recent grad on how to rock her first savings decisions. If you ever have a question you'd like Jean to answer, write us at [email protected]. Happy New Year!! ENTER TO WIN! Take our annual podcast survey, and be entered to win free HerMoney swag, $100 Amazon gift cards, and so much more!

Gabby Bernstein tells us how we can successfully move into 2021 with open minds, open hearts, and a healthy dose of optimism. As a lifestyle guru, a fixture on Oprah’s Supersoul Sunday, and #1 New York Times bestseller, Gabby has spent the last 15 years teaching meditation and changing lives. She offers her best tips for getting rid of our fears, de-stressing, and starting our New Year off in a positive place. In Mailbag, we tackle investing in real estate, how 1099 workers can save for retirement, and childcare from family members. In Thrive, four ways to create enjoyment from our money in the New Year.  ENTER TO WIN! Take our annual podcast survey, and be entered to win free HerMoney swag, $100 Amazon gift cards, and so much more! 

In this Mailbag-only episode, Jean dives into questions about life insurance (and how much of it we really need) and Dependent Care FSAs. Jean also advises a listener who's considering setting up a will or living trust, and counsels another woman who is curious about the “5 year lookback” that we’ve all heard about for Medicaid. Lastly, Jean advises a woman who's considering getting a will even though she's only 24. If you have a question you'd like Jean to answer, write us at [email protected].    

This week’s guest, Jennifer Risher, has invited the world to talk about money and what it means to have too much of it, with her memoir, "We Need To Talk: A Memoir About Wealth.” Jennifer shares some of her personal experiences having awkward money conversations, and walks us through five steps to take when diving into discussions with friends and family. (Hint: Listen first. Then ask questions.) Jennifer also shares her best advice for people looking to give back to those in need. In Mailbag, we tackle IRAs, life insurance, refinancing, and tax implications with home buying. In Thrive, buying fractional shares of stocks. 

A crazy year is coming to a close, and we’re looking to channel holiday spirit in any way we can, despite not being able to gather with friends and family. Emmy-nominated host and culture expert on Netflix’s hit series ‘Queer Eye,’ Karamo, is here to help us find nuggets of cheer and optimism this year, even when we’re stuck in our bubbles at home. The pair talk about giving back this year, the best gifts we can give, and how to take care of ourselves during stressful times. In Mailbag, we talk about that 15% figure for retirement contributions, the dangers of being over-insured, and home renovations for an Airbnb. In Thrive, our top financial New Year’s Resolutions.  

You’re probably familiar with the “OK, Boomer” meme… But it’s not just a sarcastic dismissal — it’s a recognition that millennials are in crisis, says this week’s guest Jill Filipovic, author of "OK, Boomer, Let's Talk: How My Generation Got Left Behind.” Jill highlights some of the policy changes and economic structures that have held millennials back, and walks us through concrete suggestions to improve our lives. In Mailbag, we tackle listener questions on loaning money to family, what to do if you’re considering a career in finance, and how to move forward with FMLA if you’re a contract employee who is expecting a baby. In Thrive, a mind trick that can help you save more money.

Although by now we’ve all found our new ‘COVID routines,’ we’ve also found our COVID ruts, with more drudgery and ‘adulting.’ Katina Mountanos, mindset coach and author of ‘On Adulting’ breaks down how we can all embrace our responsibilities without letting go of the joy in our lives. She offers formulas for getting off the hamster wheel of work-gym-sleep, and she shares some of her favorite ‘perspective shifts’ to make it through stressful times. In Mailbag, we talk about reinvesting after losing money in the stock market, saving for retirement in an HSA, and how to save for retirement after being laid off. In Thrive, job interview follow-up etiquette during COVID times. 

Home sales are up, and you have real estate questions! We’re diving into all of them. First, we hear from a listener who is unsure whether or not to sell her condo, even though she’s losing money every month. We also tackle a question from a listener who was outbid on a home, but then the sellers came back to her and offered her the chance to buy the house. Another listener writes in with a question on doing IVF vs. building an addition onto her home, and one woman is seeking guidance on the different methods of financing large home projects. Lastly, we hear from a listener who just refinanced in 2018, and is wondering if she should refinance again.

Many women leave the workforce to care for someone they love. But how do we do it while compensating for our lost savings opportunity? Even a one year career break can mean $160,000 less by retirement. Kathy Murphy, President of Personal Investing at Fidelity Investments, offers real solutions for weighing the pros and cons of a career break, and shares concrete steps we can take to reduce the financial impact. In Mailbag, saving in an emergency fund, second act careers, and helping a parent save for retirement. In Thrive, getting reimbursed for work-from-home expenses. 

We love saving money, but how much is too much? Bill Perkins, author of ‘Die With Zero’ argues that the more time and money we can invest in our experiences during our lifetime, the richer our lives will be. Bill makes the case that we should all be spending more of our time and money exploring the world, savoring our relationships, and pursuing our dreams. In Mailbag, we take questions from a listener who is worried that all she does is “work and save,” a woman who wants to diversify her investments, and a listener who is curious how filing taxes with her partner may impact his public service loan forgiveness. In Thrive, every financial document to gather in the event of an evacuation.

Ask any woman on the street today, and she’ll probably tell you she’s shouldering more worry, more responsibility, more of the invisible “mental load” than ever before. And. We. Are. Exhausted. But what’s to be done? Eve Rodsky, author of “Fair Play” walks us through the steps we can take to level the playing field in our homes, and change the dynamic of women shouldering the brunt of childrearing and domestic responsibilities. In Mailbag, Jean advises a woman looking for a lower management fee for her retirement account, and guides a mom on 529 investing. Lastly, in Thrive, Jean dishes on how to control financial clutter in four simple steps. 

As appealing as an investment in real estate sounds, many of us don’t want to be landlords, which is why we’re talking about investing passively in real estate, via real estate syndications. Annie Dickerson and Julie Lam, co-founders of Goodegg Investments, walk us through exactly what real estate syndications are and how they work, the minimums needed to invest, and the typical returns expected. In Mailbag, we advise a woman considering a career as a financial coach, a single woman considering a hybrid life insurance policy, and a Seattle listener who is looking to purchase a floating house (just like in Sleepless in Seattle!) In Thrive, Jean breaks down which option is better — buying or leasing a car. 

All eyes are on next Tuesday, Nov. 3 — Election Day. This year, women are expected to turn out in record numbers to have our voices heard. Why? Frankly, we’re worried. About coronavirus, paying for healthcare, the future of Social Security, our careers and our place in the economy, and whether or not we’ll be able to afford to retire. Nancy LeaMond, EVP at AARP discusses exactly how women voters will influence the election this year. In Mailbag, we talk about saving for a niece’s future, scaling back on retirement contributions to save more for a home, and how to invest large sums of money. In Thrive, a rundown on all the ways you can support female small business owners as we head into the holiday season. 

Want to become an angel investor? Someone who provides funding for small startups or entrepreneurs? Brianna McDonald, President of Global Investment Network Keiretsu Forum, gives us a crash course in what an angel investor really does, and breaks down the different pathways to becoming one. We talk about finding successful rates of return, doing your research, and hidden “gotchas.” In Mailbag, saving for the down payment on a child’s home, rebuilding a credit score, and what to do when a card loses its 0% introductory rate. Lastly, in Thrive, where to find the best deals at Costco. 

Does anyone have just one job anymore? This week, we’re diving into what it looks like to realize a dream while still working full-time. We’re learning from Jessica Goodman, an editor at Cosmopolitan who just wrote the book, ‘They Wish They Were Us.” Jessica talks about how she found the time to write, how she juggled deadlines, and made tough choices between work obligations and social experiences. In Mailbag, we discuss where women can thrive with a career in finance, ways to save on personal income taxes, and target date funds. In Thrive, what to do if you just gave a scammer your personal information. 

When you think about the young women in your life, what comes to mind? What do you want most for them to realize and achieve, and how do you want to help them get there? We sit down with Illana Raia, founder of Être, a mentorship platform for middle school girls, to discuss how girls can raise their hands instead of lowering their standards. We talk about female leaders, diversity in boardrooms, and how to bridge the “confidence gap” that plagues women of all ages. In Mailbag, we talk Roth IRA conversions, maxing out a 403b, and financing a new car. In Thrive, we explore how to reign in our online shopping habit.

How do you connect with the people in your life who make it rich — with the friends who you love most?  We sit down with Aminatou Sow and Ann Friedman, hosts of the “Call Your Girlfriend” podcast, and co-authors of the book, “Big Friendship.” We talk about what it means to be a good friend, how to sustain friendships, and why society under-values friendships. In Mailbag, we talk about supporting aging parents in their retirement, leaving a stressful job and starting a family, and we clarify retirement target multipliers. In Thrive, how to talk to your boss about making working from home a permanent arrangement.

How long has it been since you applied to college? These days it seems every school wants something different, but the process doesn’t have to be anxiety-inducing, say this week’s guests, Eric J. Furda and Jacques Steinberg, authors of “The College Conversation.” The pair offer up a step-by-step guide to having some tough conversations, assessing the schools best suited to your child’s interests, getting financial aid, and making the final decision on a school. In Mailbag, we tackle alternatives to college savings accounts, the best financial books for women, and securing a financial planner. In Thrive, how to capitalize on the gold rush. 

What are some of the ugly truths that keep women of color from having a seat at the table in corporate America? Minda Harts, author of “The Memo: What Women Of Color Need To Know To Secure A Seat At The Table,” joins us to discuss. Minda weighs in on microaggressions, what corporate America is doing wrong (and right) when it comes to advancing women of color, and what all women can do to secure a seat at the table in a remote work world. In Mailbag, we discuss long term care policies, how to recover $2,000 from a former financial advisor, and where to invest and give back at the same time. In Thrive, the four financial gaps that impact women when it comes to Social Security.

Financial success doesn’t come overnight, but it can come if we learn to retrain our brains to achieve our most important money goals. We chat with Barbara Huson, author of “Rewire For Wealth,” about how we can step into the driver’s seat of our money and our careers. Barbara discusses the differences between men and women in how we approach our financial lives, and how we can move past our fears. In Mailbag, we talk about saving for retirement, putting kids through college, and claiming your ex-husband’s Social Security benefits. In Thrive, Jean weighs in on the most essential skills you’re building while working from home.

When’s the last time you got a bargain? This week, we’re talking about negotiating BIG purchases, like houses and cars, with Tonya Rapley, founder and CEO of MyFabFinance.com. Tonya worked as a car salesperson, and just purchased her first home along with her first company. We talk negotiation skills, dealer discounts, no-haggle lots, and the best times of the month (and day!) to pull the trigger on a new ride. In Mailbag, we talk about target date funds, buying a home after living small, and whether it’s possible to hit a $1M savings goal. In Thrive, what to do if your company is reopening, but you’re just not comfortable going back into the office.

So many of us are struggling right now, and we're tackling listener questions on job loss. We hear from a listener who is unsure which source of income to tap if her job search takes longer than she'd like. We also hear from a woman who is debating a balance transfer and a 401(k) loan in order to manage her credit card debt situation. We also guide a couple debating taking money from their 401(k)s in order to pay off their house, and we advise a woman who is worried about being able to retire as planned. If you've suffered a job loss, the whole HerMoney team is rooting for you. Got a question for us? Email us at [email protected]. 

Ree Drummond, best known as “The Pioneer Woman,” is one of the most loved chefs in America, and this week she sits down with us to talk about her favorite recipes, cooking for any budget, kitchen mishaps, her most-used gadgets, and how she stays organized. In Mailbag, saving for retirement in an IRA, market volatility, and the best places to save money. In Thrive, our biggest money regrets and how to avoid them. 

We’ve entered into a new era of workplace communication, one in which we must offer empathy and transparency, and convey urgency and excitement, all without handshakes, lunches, or happy hours. Behavioral scientist Lindsay Kohler breaks down how to keep your productivity up, improve your communication skills, set boundaries, and challenge your own biases while working remotely. In Mailbag, we tackle refinancing a child’s student loan, a backdoor Roth conversion, IRA contributions, and whether $10,000 is best put towards paying off loans or investing in the stock market. Lastly, in Thrive, how Neflix can improve your credit score. (No, really!)

When invested the right way, your money can impact change while also earning big returns. We break down what it means to put your money where your mouth is, with Fidelity Investments’ Eliza Badeau and Nicole Connolly. Bigger ESG funds are up 10% year over year, far outperforming the DOW and the S&P 500. Eliza and Nicole dive into how we can get involved today. Eliza breaks down how Fidelity is addressing the inequalities that different underrepresented communities face, and how the social changes that we’re going through as a nation are impacting the investing landscape, particularly for Millennial investors. In Mailbag, we tackle questions on investing vs. paying down a mortgage, transferring a 529 plan to a different state, doing a ROTH IRA conversion, and getting a prenup. In Thrive, how to do a mid-year financial check-up. 

What role does luck play in life? How does luck relate to fate, and how does all of this tie back into what we can and can’t control? We’re discussing it all this week with Maria Konnikova, author of “The Biggest Bluff.” She talks about what good investors have in common, and the truth behind the “illusion of control.”  We discuss emotions, and why they’re so critical to our decision-making process, and we get a crash course on how to bluff — and how to know when we’re being bluffed. In Mailbag, we talk aging parents, target date funds, and caring for a significant other financially. In Thrive, should you take a gap year if your college is closed this fall? 

In this episode, we dive into all your questions on investing in an IRA vs. a money market fund, what to do with your stocks during times of market volatility, and whether you can open a 529 for a child who hasn’t yet been born. We also tackle a question on planning for the financial needs of an autistic older brother, and a question on balancing retirement contributions amidst mortgage refinancing and HELOCs. Got a question for us? Email us at [email protected]. 

When’s the last time you took a trip somewhere other than your local grocery store? And what are we supposed to do with all those credit card miles and points we’ve been accruing? We discuss with The Points Guy himself, Brian Kelly. He tells us how to get the safest flight possible for the best price, how to decide if you need a new kind of credit card, and what to do with our points right now. In Mailbag, Jean and Kathryn talk through credit freezes for 5-year-olds, how to allocate retirement investments, and UTMA/UGMA accounts for kids. In Thrive, car insurance companies offering refunds. 

Women of color are behind white women in almost every financial and career measurement. Today, we take a look at action steps that white women can take to be allies and advocates, and begin to truly make an impact. Administrative Judge Karen Ortiz and CEO of communications firm CJC Insights, Chanel Cathey, join us to talk about what it’s like to be the only woman of color in the room, and the biases and stereotypes that we all need to watch out for in our daily lives. In Mailbag, we talk about financially supporting our parents and paying down credit card debt with personal loans. In Thrive, the essential items that every woman should build into her budget. 

Health matters have been a priority for all of us lately, and when we’re sick, the last thing we want to deal with are insurance questions and medical bills. Janine Urbaniak Reid, author of “The Opposite of Certainty” joins us to share her story and discusses some of the tactics that she used to get answers. She dives into the topic of resiliency, and opens up about how we can all “live a life you don’t hate, in circumstances you do.” She also tackles how to stay positive through it all, how to support a friend who is hurting, and how to truly live in the present. In Mailbag, we tackle questions on asking for a raise during the pandemic and refinancing a home. In Thrive, a chat with your parents about their financial situation. 

Lauren Maillian, CEO of digitalundivided, joins us for a chat about Black and Latinx entrepreneurs, and the barriers women face in the world of fundraising and founding companies. We dive into how women can create a safety net for our own financial security at the same time we’re building a business, why “scrappiness” is at the heart of entrepreneurship, and how everyone can help create opportunity, share influence, empower, and uplift. In Mailbag, we talk whole life and term life insurance, and what to do about health insurance (and claiming a pension) when you retire before 65. In Thrive, what to do if your summer internship was sidelined. 

“Americans Are Shopping For Groceries Like It’s 1996.” That headline caught our eye because it’s true — we’re cooking at home, we’re ordering everything from Amazon, and our spending habits have radically changed. Will they ever go back to “normal”? Dan Frommer, Founder of The New Consumer, joins us to share why it’s like “a switch flipped, and we skipped 15 years into the future.” Dan talks about some of the pitfalls of shopping online, and the growing popularity of direct-to-consumer brands, like Warby Parker and Glossier. We also talk about where to get the best bargains out there right now. In Mailbag, what to do with 529 funds that may have been refunded, how to prioritize funds between debt repayment and investing, and navigating target date funds. In Thrive, the steps you need to take to keep your connections strong in this happy hour-less era. 

Megan Smith, Chief Technology Officer of the United States under President Obama and CEO of Shift7, joins us for a candid conversation on inclusion and diversity. For Megan, inclusion means that all people are able to bring forward their greatest self, not “stomp on others.” She and Jean talk about the importance of supporting innovators, how tech is helping us to drive bias from movies and television, and the importance of “being there” for LGBTQ youth. In Mailbag, we hear from Marcia Mantell again on a question about Social Security for freelancers, and we take listener questions about setting up IRA accounts, and the pros and cons of having all your investments at one firm. In Thrive, what it really means for your bottom line when you file early for Social Security. 

We dwell with these things, and we dwell within them every single day of our lives, so when one of these things is a source of negativity for us, it impacts everything. Marisa Meltzer, author of “This Is Big: How The Founder Of Weight Watchers Changed The World — And Me,” dishes on all things body positivity, dieting, and how our relationships with food and money are so closely intertwined. In Mailbag, Jean and Kathryn check in with a very special guest — Piper Kerman, author of Orange Is The New Black — to help answer a question about managing finances while incarcerated. We also tackle questions on paying down debt and downsizing. 

Jean sits down for an important discussion with Sharon Epperson, Senior Personal Finance Correspondent at CNBC. Sharon weighs in on how to show support for Black friends and colleagues during this time, and how to help elevate voices of color. Sharon offers a suggested script for diving into conversations, and a look at her favorite sources for education. In Mailbag, we discuss saving for a house while paying down debt, investing in the market, and supporting aging parents. In Thrive, why you should check your junk mail for your stimulus check — that might actually be a debit card.

Everything women need to know about social security, both today and in retirement, with Marcia Mantell, author of “What’s The Deal With Social Security For Women.” We discuss the best claiming strategies for women (including when to file), the rumor that social security may not be there for us when we need it, and why women are different when it comes to social security. In Mailbag, Jean and Kathryn tackle where to invest additional funds in retirement, how to help victims of domestic abuse get back on their feet financially, and how to avoid falling into the lifestyle inflation trap. In Thrive, how to get out of the negative feedback loop that may be preventing you from pursuing your bigger financial goals.

How do we spruce up our LinkedIn profiles in order to stand out from the herd? Allison Nunes, workshop ambassador for LinkedIn’s “Rock Your Profile” program shares all her secrets. We cover job alerts, networking, applying for jobs, perfecting your profile, getting recommendations, and so much more. In Mailbag, we talk about online savings accounts, women bonding together in retirement (Golden Girls style), and buying a historic home. 

Women in tech. It’s a broad topic, and Hilary Gosher, Managing Director at Insight Partners, is here to help us distill it all. She discusses the importance of women in tech, and the barriers to increasing our presence in this male-dominated world. She shares how we can get more women interested in pursuing tech careers — it’s not just semiconductors anymore. The pair also discuss startup culture, female mentorship, and co-working spaces like Luminary and The Wing. In Mailbag, what to do with a 401(k) from a previous job, updating a will before you get married, and entrepreneurship vs. full time jobs.

Barstool sports now boasts 66 million monthly users and annual revenue of $100 million. Erika Nardini is the woman who took them to the top. She discusses her work ethic and drive, her journey to the helm of Barstool, and what it's like to work alongside its founder, Dave Portnoy. She dives into the allegations that she’s a “token” female CEO, and what goes into the “secret sauce” that makes their podcasts so popular. She also talks about her time in competitive sports. In Mailbag, questions on co-signing loans, best budgeting apps, and retirement asset allocation.

Kendra Scott’s classic jewelry designs sparkle, but not as much as her incredible philanthropic and educational efforts. She shares how she built her billion dollar business, her best advice to fellow entrepreneurs, hard truths about her first entrepreneurial failure, and how retail can continue to thrive. In Mailbag, planning for a baby after a job loss, asking an employer for work-from-home flexibility, and starting a business vs. building an emergency fund. Also, free credit reports and how to get yours.

How can we help the small businesses in our lives succeed? How can entrepreneurs weather this storm? Scott Omelianuk, Editor-In-Chief of Inc. Magazine, weighs in and says we all need to remember that we are shaping the world we want to live in with our wallets. He discusses the funding from the Paycheck Protection Program (PPP) and how to apply. In Mailbag, questions from small business owners, a woman in the middle of home renovations, and a couple looking to buy a more affordable home.

What does it truly mean to truly disconnect? Celeste Headlee, author of: “Do Nothing: How To Break Away From Overworking, Overdoing, And Under-living,” tells us how we can all stop sabotaging our well-being and start living instead of doing. In order to fully decompress, we have to distance ourselves from technology, and examine whether we might be suffering from the “busy-ness” delusion — we are not as busy as we think we are. Celeste breaks down the tactical changes needed to bring us closer to our big life goals. In Mailbag, saving for college, filing for bankruptcy, and the best budgeting tools on the market.

Your questions on filing for unemployment, pulling money out of a 401(k), and home refinancing. Also, converting your portfolio to cash, and a debate on putting money into an emergency fund vs. paying down credit card debt.

Tara Schuster, VP of Talent and Development at Comedy Central, and author of “Buy Yourself The F*cking Lilies And Other Rituals To Fix Your Life From Someone Who Has Been There,” talks about how small daily indulgences are a form of self-care that can make our lives better. and how gratitude lists can change our entire perspective on thankfulness. Tara breaks down how she learned to “re-parent” herself, and how gratitude changed her life. She also discusses how to elevate others, and be the kind of supportive friend we all wish we had. In Mailbag, home buying during the time of Coronavirus, funding a child’s college education with money from an IRA, stimulus check questions.

Why do 90% of people think geniuses are always men? Bestselling author and journalist Janice Kaplan discusses her book, “The Genius Of Women,” which details how generations of women have broken down seemingly unshakeable barriers, and the powerful forces that have rigged the system against us for centuries. We talk about the traits that many female geniuses share, how to tune out the “negative radio” that may be playing in our heads, and how we can each find our own area of genius. In Mailbag, online savings accounts, 529 plans, and striking a balance between keeping money liquid and keeping money invested.

Since coronavirus hit, we’ve been unsure what’s next with our jobs and income, our childrens’ education, our investments — and our health.  Carl Richards, Certified Financial Planner author of “The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money,” joined us to discuss making good decisions without panicking, and a step-by-step approach to regaining feelings of control. In Mailbag, Jean and Kathryn talk about whether buying a car during corona is smart, refinancing student loans, and catching up on retirement contributions while the markets are down.

In the age of coronavirus, should you keep your investments as they are? Tweak a bit? Do something more drastic? This week we sat down with Jeanne Thompson, Senior Vice President of Fidelity Workplace Consulting, to discuss our retirement contributions and how to make sure our investment mix is still on the money.  We talk about hardship withdrawals, 401(k) loans, and other liquidity solutions including HELOCS and zero interest credit cards.  In Mailbag, Jean and Kathryn tackle financial priorities right now — and how to handle a drop in your accounts.

Suze Orman is in the house! The author of ten New York Times bestsellers, is out with a new book, “The Ultimate Retirement Guide for 50+: Winning Strategies to Make Your Money Last a Lifetime.”  Listen in as Jean and Suze dive into all the market worries surrounding coronavirus and the downturn in the markets, how 2020 differs from from what we saw in 2008, and the danger of getting out of the stock market and not getting reinvested in time to catch the inevitable rebound. In Mailbag, Jean and Kathryn dive into the fees on 529 plans, and discuss new career opportunities. 

If you’ve ever wondered what it takes to become a seriously successful influencer, this is the show for you.  Danielle Bernstein is the founder of world-renowned fashion blog and social media platform WeWoreWhat. She talks about her journey into entrepreneurship, what it’s like to find a business partner, and what it means to her to be a good role model for young women. In Mailbag, “recasting” a mortgage, and what to do with a $13,000 gift.

Who better to teach us about power — how we can hold it, get more of it, and use it to our advantage — than dominatrixes? Lindsay Goldwert is the author of the book, “Bow Down: Lessons From Dominatrixes On How To Get Everything You Want,” and she says even women who aren’t comfortable with the concept of control can learn to assert it. It involves practice, asking tons of questions, and learning to negotiate. In Mailbag, Kathryn and Jean talk about credit card rewards and financial priorities, including debt payoff vs. retirement.

Dr. Melanie Katzman,  author of “Connect First: 52 Simple Ways To Ignite Success, Meaning, and Joy At Work,” dives into some of the simple things we can do to improve our working lives, and how to make our colleagues feel good in the process. We discuss how people who work from home can feel they are part of the group, and how much salary is “enough” to make us happy. In Mailbag, what inflation means for retirement savings, whether a Solo 401(k) or a SEP IRA is right for an entrepreneur, and how to keep cash handy for an emergency.

In this episode, we look at how we can get more women to become active investors, and how we can recognize if a career in investing is right for us. Janet Cowell, the CEO of the nonprofit Girls Who Invest, dishes on the best ways to talk to young girls about investing, and how older women can get started in a career in finance. In Mailbag, Jean and Kathryn tackle questions on how student loans impact your credit score, what to do with a pension plan from a previous employer, and which online savings accounts are best for business owners.

In this Mailbag-only episode, Jean offers advice to a couple struggling with budgeting and credit card debt. We also hear from a mom wondering if her daughter should put her boyfriend on the lease for her apartment. Jean also guides a woman wondering how she can support her sister-in-law who was in an abusive relationship and faced homelessness, and advises a listener on getting a prenup before her second marriage.

Business coach Keren Eldad guides us in what it means to be an overachiever, and what drives us to want to be among them. How can we all avoid burnout, and the trap of perfectionism? Why do we pursue money and status, only to find that happiness eludes us? How can we turn off the negative radio in our heads that tells us we’re not good enough? In Mailbag, Jean and Kathryn tackle questions about Roth vs. traditional 401(k)s, the decision to get an MBA, and how to protect an elderly parent’s assets.

Abby Johnson, Chairman and CEO of Fidelity Investments, sits down with Jean to talk about her career progression at Fidelity, and female investors. Abby dishes on some of the biggest mistakes she’s seen leaders and corporations make over the years, and the importance of reinventing yourself when you see the world start to change. The pair also discuss how women can be more confident when it comes to making our money work for us. In Mailbag, Jean and Kathryn tackle questions around saving for retirement, balance transfer credit cards, and how to save for retirement while also planning for a new baby.

Here to dish on how to stay safe from would-be scammers is Frank Abagnale, author of the book “Scam Me If You Can.” Yes, THAT Frank Abagnale — about whom the iconic movie “Catch Me If You Can” was made. Frank educates us on some of the more common scams out there, and the dangers of answering robocalls and phishing emails. In Mailbag, ESG funds, frequent flyer miles, negotiating for bonuses and relocation fees, and saving for a down payment on a house.

Maxine Trump is the writer, producer and director of the film, “To Kid or Not To Kid,” which confronts societal expectations around motherhood. We tackle why society may be so late in approaching motherhood as a choice, dive into the term “childfree,” and discuss the growing number of women who are choosing that path. We touch on how financial questions and career decisions influence women’s choices. In Mailbag, questions about investing, making catch-up contributions, and the decision to make home renovations or move.

Jean talks to Stacey Delo and Jennifer Gefsky, co-authors of “Your Turn: Careers, Kids and Comebacks — A Working Mother’s Guide.” They run Apres, a digital career platform for women who are returning to the workforce. They discuss what it means to step out of the workforce, how to weigh the expense of daycare against your salary, and how to determine what you might be losing out on in terms of salary and retirement savings if you take a break. In mailbag, financial advisors, HSA contributions, and investment options.

All things moving and selling your home, with Caroline Carter, founder and CEO of Done in a Day. Caroline dives into how we can all bring our stress levels down when embarking on a move, and dishes on some of the best things people can do before they put their homes on the market. She also offers a step-by-step guide for how to tackle the moving process in the most efficient way possible. In Mailbag, saving for college, target date funds, and recession fears.

Will this be the year you secure that promotion, land a new job or start your side hustle? Julie Morgenstern is here to tell us how to get there. Julie offers tips for how to get the most out of the hours you have, and shares her favorite tricks for crafting the perfect to-do list. In Mailbag, guidance on credit utilization, employee stock purchase programs, and buying vs. leasing cars.

In this Mailbag-only episode, Jean answers a question about how business credit cards can impact your personal credit, and how adding a child to your credit card as an authorized user can help them build credit. Jean also guides a listener wondering if she should claim bankruptcy, see a credit counselor, or cash out a retirement annuity in order to get back on track. Lastly, we advise a woman who is looking to pay down debt with personal loans, while also working to improve her credit score.

In this Mailbag-only episode, Jean advises a woman who co-signed for her daughter’s student loans and is now struggling to repay the debt. We also hear from a woman whose ex is refusing to help with their kids’ tuition. Jean also guides a listener on how the 529 accounts she has for her nieces might impact their ability to get financial aid, and what to do with those accounts before they head to college.

In this Mailbag-only episode, Jean advises a woman on how much she really needs to save for retirement. Is $1.7 million per person the right amount? Jean guides a mother of twins who is saving for retirement in a 401(k) and also considering investing in real estate and putting money into an HSA. Lastly, we tackle the question of investing worries that are rooted in a fear of losing money, and a question about selling stock in order to pay off the mortgage early.

Jean sits down with Allison Gilbert, author of “Passed and Present: Keeping Memories of Loved Ones Alive.” Her book has been described as a “how-to” manual for remembering our loved ones. Allison shares with us some of her favorite ways for processing grief and honoring our loved ones. In Mailbag, we advise listeners on paying down debt during a divorce, refinancing home loans, and getting a prenup before entering into a second marriage.

In this Mailbag-only episode, Jean advises a listener on how to buy a new home when all your money is tied up in your old one, as well as the ins and outs of selling a rental home while keeping some money liquid for a new home purchase. Also, paying off a mortgage early, and renovating a home vs. staying put.

In this Mailbag-only episode, Jean offers her thoughts on how women with limited incomes can afford to adopt, starting 529 plans for children, and strategies for supporting adult children through grad school without enabling them. Also, how to help kids save, and how parents can open a brokerage account to get children excited about investing.

Tracy Keogh, Chief Human Resources Officer at HP, dishes on how to climb the ladder, negotiate, get better opportunities at work, and increase your earning power. She offers us all a mini-course in some of her favorite negotiating tactics, including how to create a term sheet, how to ask for an off-cycle review to get a bump sooner than expected, and how to avoid negotiating against yourself. In Mailbag, where to get the best returns when you invest and the importance of having a diversified portfolio.

What do the legal sex trade, gambling, and horse trading all have in common? They’re some of the unlikely places economist Allison Schrager has spent years studying risk, and we were blown away by the insight she shares on risk management and negotiating. To research her book, Allison spent time with sex workers and managers at Nevada’s bunny ranch, and the lessons she learned are pretty incredible. In Mailbag, a money trade-off question, advice for a woman who is underpaid, and investment strategy thoughts for an Australian couple in the US.

Why do people continually fail to take action on things that are difficult for them? Jeff Kreisler, author of “Get Rich Cheating: The Crooked Path To Easy Street,” tackles that question and many more. Jeff talks about sunk cost fallacy, solution aversion, and all the ways we allow ourselves to make poor financial decisions. In Mailbag, high yield savings accounts and where to find the best rates, and advice for first-time investors.

Author and journalist Mitch Albom has penned some of the most influential books of our time — Tuesdays With Morrie, The Five People You Meet In Heaven, and Finding Chika. Mitch sits down with Jean to talk about some of his charitable work, and offers his thoughts on the most precious thing you can ever give someone, as well as what we can all do with our money to make us happy. In Mailbag, saving in your 401(k) vs. paying down credit card debt, 401(k) loans, and how to invest or sell stock options provided by your company.

What are you doing in 2119? That’s the year the American Association of University Women predicts that the gender pay gap will finally close, unless we take steps to bridge the gap sooner. Katica Roy is a gender economist and CEO of software company Pipeline. She shares some fascinating (and infuriating) facts about how often women are underpaid, and what corporations can do to help speed change.  In Mailbag, questions about dating and debt, what to do with old retirement accounts, and how to manage asset allocation if you’re part of the FIRE movement.

Jean sits down with Shelley Emling, Editor-In-Chief at AARP’s The Girlfriend, to talk all things Gen-X women and how they can get back on track for retirement. What can Gen-X women do to get off the sidelines and build the self-confidence they need to ask for raises and make empowered financial decisions? In Mailbag, the best way to manage credit cards while keeping your credit utilization rate low, and whether or not to move money in your 401(k) or sell stocks.

Scott Rieckens, author of Playing With Fire, and producer of the recent documentary by the same name, walks us through his journey into the FIRE movement, (Financial Independence, Retire Early) and how he learned to prioritize his spending and saving goals — and how we can do the same. In Mailbag, questions about taking a job you’re overqualified for in order to get your foot in the door, and what to do for health insurance when you’re between jobs.

Rabbi Steve Leder, author of several critically acclaimed books, including “More Money Than God,” offers heaps of wonderful insight on this week’s episode.  He shares why he became a Rabbi, and how to raise healthy, well-grounded humans in the instant-gratification reality we live in. In Mailbag, Jean advises a woman who recently found herself as her family’s primary breadwinner, and tackles a question on how much you really need to save for retirement.

This week’s guest, marketing guru Seth Godin, has some motivation that’s going to change the way we think about our personal brand. Seth says that the strength of your personal brand — and perhaps even your entire career — hinges on a single question: Do you do what you say you’re going to do? In Mailbag, Jean advises a woman who rents out part of her home and is looking into refinancing her home loan, and where to invest once you’ve maxed out your 401(k).

This week we sit down with financial therapist and Prudential financial wellness advocate Amanda Clayman. In her role, Amanda guides her clients on how they can positively change their overall approach to their finances. Amanda describes why and how our thoughts and feelings may shape our financial choices, and walks us all through her holistic approach. In Mailbag, Jean and Kathryn talk about the pros and cons of closing credit cards you no longer use.

Vicki Robin, co-author of “Your Money Or Your Life,” challenged a generation of people to think critically about what they were really working toward financially, and how they could live authentically in a consumer-driven world.  Vicki and her late partner Joe Dominguez are credited with sowing the seeds of the FIRE movement (Financial Independence, Retire Early) as it is known today. Vicki speaks some hard and necessary truths about the concept of “enough,” and how we can fully embrace what’s “enough” for us. In Mailbag, how to build credit scores and credit history for young people.

Husband and husband team David Auten and John Schneider are known as the “Debt Free Guys” for a reason. They offer some inspiring advice on how to live a fulfilling life without sacrificing financial security. They break down how to discuss financial anxiety with your partner, how to take a good look at what you may be doing wrong with your money, and how to weigh the financial priorities (and sacrifices) in your life. They also tackle the questions as to why the LGBTQ community assumes more debt than the heterosexual population, and why same-sex couples are 73% more likely to be denied a mortgage. In Mailbag, how credit cards closed due to inactivity may impact your credit score, whether you should contribute to your spouse’s 401(k), and tips on saving for grad school.

If you’re feeling a little anxious about your finances, well, we don’t blame you. That’s why we sat down with wealth advisor Ed Butowsky, author of “Wealth Mismanagement.” He gets candid about the Federal Reserve’s recent rate cut, how to stay calm in the face of a potential market swings, and what the heck an inverted yield curve is, anyway. He gives us his suggestions for tried and true stock sectors that can weather any storm. In Mailbag, tips on reducing your credit card debt in the face of competing priorities, like student loans and your mortgage.

Jean sits down with Megan Schleck, co-founder and CEO of COIN, a conscious investing platform that allows us to put our money into companies making an impact in the areas we care most about. The pair discuss creating an avenue for everyday investors to have a place where their voice can be heard (for as little as $50!), and mission-based investing. In Mailbag, Jean and Kathryn talk about how age is more than just a number, and encouraging women in the C-suite.

Cheryl Strauss Einhorn, author of the book, Investing in Financial Research: A Decision-Making System for Better Results, helps us break down the decision-making process and help us gain the confidence we need when faced with life’s big “what to dos.” She shares her method for decision-making, dives into the concept of risk, and explains how we can feel more empowered when navigating the emotional aspects of big decisions. In mailbag, helping a parent save for retirement when they’re new to the country, what to do when a child doesn’t qualify for a federal student grant or loan because of 'the parents’ savings, and getting out of debt after divorce.

Should you invest in crypto and blockchain? If you buy crypto, how do you use your money? Kiana Danial, author of Cryptocurrency Investing for Dummies, and CEO of InvestDiva, answers all our questions, and discusses her journey into investing in cryptocurrency. She shares her thoughts on exactly when we're all going to be able to use cryptocurrency in a "real" way, just as we would with any other purchasing app. Hint: The future isn't so very far away.

When many people hear the word "wealth," they think about dollars and cents, but it's so much more than that, says Veronica Dagher, host of “The Secrets Of Wealthy Women” podcast. Veronica shares most important career and financial advice she's gotten from female CEOs and other women leaders. In mailbag, Jean tackles a questions from a listeners on funding home improvements, how to ask for a raise at your annual review, and whether or not to buy a home for your mother-in-law.

Is ESG investing on your radar? That stands for Environmental, Social, and Governance, and it’s huge for people who want to invest in companies they can feel good about. Nicole Connolly, Head of ESG investing and Portfolio Manager for the Women’s Leadership Fund at Fidelity Investments, breaks down how we can all put our money where our mouth is when it comes to supporting companies that are doing the right thing. Nicole also talks about the Women’s Leadership Fund at Fidelity, a fund that invests in companies that support future female leaders. In mailbag, Jean breaks down tax laws for folks with side hustles, and talks about how we can all strike a balance between investing using your head and your heart.

Krazy Coupon Lady Joanie Demer on what style of couponing may work best for you, and how 10 minutes of effort each week could save you $50. She discusses some of the mistakes she's made and the differences in the type of discounts offered by loyalty programs, in-store promotions and coupon stacking. In Mailbag, negotiating vacation days and a flexible schedule as part of your total compensation package, how to successfully consolidate retirement accounts, and whether or not there's a benchmark spending timeline for retirement.

Today, 85% of millennials are planning to take career breaks, but returning to the workforce after time away can be much more challenging than landing that first job. Addie Swartz, CEO of ReacHIRE, a company that partners with Fortune 500 companies to create re-entry opportunities for women of all ages, at all stages of their careers, talks about the resources women need to get back to work, including free online courses, resume updates, and networking. In Mailbag, the best bank and investment account security protocols, ways to eliminate credit card debt, and why remote workers are happier and more productive.

When's the last time you asked for a raise? Claire Wasserman, founder of Ladies Get Paid, a career development organization that helps women negotiate for pay and power at work, dishes on power, value, the wage gap, and why women have to ask for more money. She walks us through the negotiating process and tells us why you should always walk through the door with three numbers in mind. In Mailbag, home building and some of the best ways to increase your retirement savings.

Today, most of us are taking better care of our health. We’re more active, get more Vitamin D, and stress a little less. As for our finances, sometimes these feel-good vibes — including summer vacations — cause us to amp up our spending. If your wallet is starting to sweat (like ours), then Ashley Feinstein Gerstley, author of The 30-Day Money Cleanse, is here to whip our finances back into shape. In Mailbag, is it smarter to pay additional money toward the principal on a home mortgage or to invest that money in an index fund?

You know those people on Instagram who are always traveling to fabulous places, making you wonder how they afford it, and why you aren’t doing the same thing? This week we’re getting all of the answers — and travel savings secrets — from Rachel Rudwall, an Emmy-nominated on-camera host and producer, who has traveled to all seven continents, lived in three countries and journeyed through nearly 70 nations — all on a limited budget. She’s got millions of airline miles and she knows how to use them. In Mailbag, pensions and other retirement savings strategies.

What has held you back in your career, or with your money? Maybe you were scared — of what would happen, of failure, of the reaction of the people you know and love. Although getting over fear may be a goal, there's another way: You could do it scared. So says our guest Ruth Soukup, author of “Do It Scared: Finding the Courage to Face Your Fears, Overcome Adversity, and Create a Life You Love.”  She walks us through how and why it works. In Mailbag, where to build your savings to buy your first home and why we have many credit scores.

Entrepreneur coach Ali Brown on how to stand out online and position yourself as a ‘category of one.’ How to understand tall poppy syndrome, avoid excellence burnout and master the 80/20 rule with your time. Then, in Mailbag, how to create a budget in retirement, when young adults should get their first credit cards and how one woman can approach the guilt associated with financial success.

You’re trying to save more money, but can’t find the spare change, or maybe you’re trying to stop snacking at 4pm, but reach for the cookie like clockwork. The latter was exactly what was happening to Charles Duhigg, and he was so eager to break his own bad habits, he went on to become an expert in changing our behavior with his bestsellers, “The Power of Habit” and “Smarter Faster Better.” We explore the psychology behind habit formation and discuss solutions for long-term behavior modifications. In Mailbag, we go over how to choose a Roth IRA, a financial planner and how to start investing with your kids.

“Do you want kids?” Like it or not, it’s a question you’ve probably been asked (many times). No matter what your answer is, having a baby costs about $11,000, and that’s without complications. Run into fertility issues, and solutions can run into the thousands. Enter FemTech: Companies and products that are looking to tackle fertility, like Ava, a wearable fertility tracker.Ava’s co-founder and president, Lea von Bidder, discusses all things fertility, including the emotional and financial costs. In Mailbag, incorporating tax diversification into retirement planning, fixing errors on our credit reports and understanding our credit scores.

What's your most limited resource? Money? It might feel that way, but the real answer is time. You can earn more money. You can't get more hours or minutes or seconds...or years. The latter — particularly as it relates to compound interest, giving your money time to grow — is just one of the things we dive into with Grant Sabatier, a leader of the "Financial Independence, Retire Early" (FIRE) movement, and author of “Financial Freedom.” In Mailbag, does going to a more expensive college mean more success? Plus: How to tackle crippling credit card debt.

Whether you're reading the list of Fortune 500 CEOs and board members, or a roster of members of Congress, the lack of women in numbers is hugely apparent. It provided the impetus for Laura to start her “She Said / She Said” podcast and this week we're digging into how to bridge the gap — for ourselves and for society as a whole. In Mailbag, fraud alerts vs. credit freezes, and how to say, “no, thank you,” to buying into all of your friends’ side hustles.

Erin Lowry on her book, “Broke Millennial Takes On Investing: A Beginner's Guide to Leveling Up Your Money.” She did the legwork on everything from opening accounts (what kind?), figuring out what to put in them (stocks, bonds, funds?), how to invest when you want to make an impact in the world and more. In Mailbag: How to handle a rental property that’s underwater, and financial tradeoffs (invest or pay down the mortgage?).

This week, we're talking with Mika Brzezinski, co-host of Morning Joe and founder of Know Your Value, and Daniela Pierre-Bravo, her Morning Joe producer. The two discuss their book, “EARN IT! Know Your Value and Grow Your Career, in Your 20s and Beyond,” inspired by Daniela's journey from DACA recipient/DREAMer, struggling to pay her way through college, to NYC success. It involves Greyhound busses, resume fibs, and great advice for positioning yourself to rise in any career. In Mailbag: Can you put a price on happiness and Roth 401(k)s?

Questions on the documentation needed for purchasing a home and the decision to tap into an IRA before retirement. Also, how to find the right financial planner, how to approach paying off six-figure student debt and when to pull money from your savings for your investments.

Do you anticipate other’s needs before your own? Does your brain house the master to-do list for your entire family? You're a queen of emotional labor — the unpaid and unnoticed work that many women do to keep their loved ones happy. Gemma Hartley, author of "Women Aren’t Nags; We’re Just Fed Up," tells us all how we can cut back, and stand up for ourselves. In Mailbag, how to invest in Roth IRAs, prioritize saving versus investing, plus the dos and don’ts for downsizing.

Esther Wojcicki, a leading American educator and mother who raised three superstar daughters, offers advice for raising successful people. Her daughters? Susan, the CEO of YouTube, Janet, a professor of pediatrics at the University of California-San Francisco and Anne, co-founder and CEO of 23andMe. In Mailbag, where you can get the biggest returns on your savings and negotiating credit card interest rates.

Money is a leading cause of stress in relationships, and, consequently, a leading cause of divorce. But not for the McNeely’s. Talaat and Tai McNeely, the couple behind His and Her Money, paid down one partner’s $30,000 credit card debt—and a $330,000 mortgage—together. They tell us how, and, get this: They never fight about money. Yes, we asked for all the secrets. In Mailbag, one listener questions whether achieving a perfect credit score of 850 is actually possible. It is. (It’s not easy, but it is.) We go over how to boost your score, how to build credit for new college grads and how to work through decision fatigue when it comes to your finances. Plus: Venmo recently changed its user agreement to indicate that it may “engage in collection and other efforts” to recover lost monies. Will you be receiving a Venmo from them? We know, very meta. Find out in Thrive.

“Life isn’t about winning. Life is about a journey. Life is about finding your happiness with whatever that genius is that you have." So says Amy Errett, founder and CEO of Madison Reed, the beauty brand that’s challenging industry titans in the hair color space. She walks us through her career highlights and lowlights (ba-dum-bum!), including an unexpected firing that changed her entire perspective on work, family, happiness...and life. Plus, as a VC, she shares her take on the elements that create a successful business. In Mailbag, we discuss what you can do with your 401(k) if you’re leaving your job—and budgeting for charitable giving with donor advised funds. In Thrive, if we’ve learned anything in the past month, it’s that there’s a right way and a wrong way to get your kid into college. But just because you aren’t out there bribing coaches doesn’t mean you might not be making a few mistakes of your own. We discuss.

Did you know that one in two LGBTQ adults associate money with anxiety, which is significantly more than straight, cisgender people who do? That was just one of our important takeaways from the 2019 LGBTQ Money Matters Survey, which was driven by this week's guests, Tobin Low and Kathy Tu, hosts of the Nancy podcast and special series, Queer Money Matters. We discuss their findings, their stories and solutions for the increased costs the LGBTQ community often face when it comes to careers, parenthood, marriage, healthcare and more. In Mailbag, we discuss a hierarchy of how to use your tax return money with debt, emergency savings, retirement savings and family planning all in mind. Plus: Tax filing exemptions for expats. In Thrive, we’re talking about the “Failure to Launch” effect. In other words, what to do when parents are financially supporting their adult children for much longer than they thought they’d be...we discuss!

Remember our recent listener survey? (Thank you to everyone who weighed in!) One major finding: You want more Mailbag. Message received. In this bonus show, we discuss: the tax differences between Traditional and Roth IRAs, the best places to save and grow money for short-term goals, the pros and cons of reverse mortgages, the considerations for one listener who might get a home equity loan to help her daughter pay down debt and why freezing your credit is still a must. Have a question for the show? Email them to us at [email protected].

For many of the female founders we’ve featured on the show, either personal problems or macro pain points served as inspiration for their companies. For Heidi Zak, ThirdLove, was no different. Nearly seven years ago, the co-founder and co-CEO set out to change the dismal relationship she, and—as it turns out—millions of other women (including the HerMoney team) have with their bras. “Every woman has a bra story,” she says, and this week we hear hers, discuss ours, and learn the best practices for buying, maintaining and even donating bras. (If you’re like us, you're doing it wrong!) Plus: Heidi gets honest about her experience in building and scaling a company that’s unapologetically for women. In Mailbag, we answer your questions on consolidating 401(k)s, picking a retirement plan when your company doesn’t offer one and using company stock for making a down payment on a first home. We end the show with some important news on finding love in the digital age: “Romance scams” are costing people more money than any other form of fraud, according to the FTC. Looking to donate your bras? Here are two options: -https://isupportthegirls.org/ -https://brarecyclingagency.com/ And if you know of any others, please email us at [email protected]!

We’re at HerMoney headquarters this week, because when Carl Richards flies nearly 9,000 miles from New Zealand to New York City, has time to record and your studio is temporarily unavailable, you make it work. Carl is a CFP, an author, The Sketch Guy for The New York Times and the creator of a new workshop geared towards helping couples talk about money called “Talking About Money”—and that’s exactly what we do this week. Carl teaches us why talking about money with our partners and spouses can be tricky and how we can become better communicators. We lose the shame, we lose the blame and we learn to take “time outs.” It’s a must-listen. In Mailbag, we discuss closing credit cards without lowering your credit score, and why you might want to consider investing in a Roth IRA over a Traditional IRA after contributing the max to your employer’s plan. And, inspired by our conversation with Carl, in Thrive, we talk about first impressions and why your nonverbal expressions matter when making connections.

Building off of last week’s “Women With Money” episode that focused on how and why more of us should be investing in addition to our retirement accounts, we’re with investing expert Manisha Thakor. She’s VP of financial wellbeing at Brighton Jones and host of the "true WELLth podcast." We discuss the psychology of investing, the difference between active versus passive investing styles and best practices for working with financial advisors. In Mailbag, we answer your questions on closing credit cards without hurting your credit, whether it's a smart move to help a boyfriend's family with student loan debt and the complications that can ensue come tax time. Plus: Our Thrive segment is courtesy of one of our amazing listeners, Pam, who emailed us a few weeks back after Episode 149, in which we talked about the new rules of resume writing. Her advice will help your resume get seen! P.S. Jean’s new book, “Women With Money,” hits stands this week! Order yours today at WomenWithMoneyBook.com.

The tables are turning for women and money—and the roles are reversing in this week’s episode. To celebrate the upcoming launch of Jean’s new book, “Women with Money: The Judgment-Free Guide to Creating the Joyful, Less Stressed, Purposeful (and, Yes, Rich) Life You Deserve,” Kelly interviews Jean for the very first time. Women have more money and more power than ever before and there’s more coming our way. We talk about the important ways in which we can use our money and our power to make life better for us, for the people we love and for the world. Above all, learn more about Jean—and why this book is more personal for her than any other book she’s written before. We close the show by answering your questions (of course) on paying off mortgages in the FIRE movement, FAFSA considerations for students who take breaks between school, the pros of tax-deductible IRAs and more. Women With Money is available for preorder now on WomenWithMoneyBook.com.

When it comes to saving more money, you’re tired of hearing to pack your lunch and make your own coffee, right? We get it. Because we’re tired of it, too. Trouble is, many of us do spend the majority of our disposable income on food. We literally eat our money. If we could get ourselves to cook even a little bit more, we could seriously save. Which is why we were so thrilled to hear cookbook author and New York Times food columnist, Melissa Clark, tell us she cooks, because she's lazy. Seriously. She argues that it's a lot less work than eating out. And she has a point. Which you'll see as she takes us through cost-effective recipes, some common excuses for not cooking and which ingredients and kitchen supplies you can cut corners on. (If it sounds like we're geeking out, it's because we are. Just a little bit.) In Mailbag, we answer your questions on renovating a house, paying off five-figure credit card debt and setting up 529s for nieces and nephews. Plus: Did you know over 90% of recruiters are using LinkedIn to check you out? We discuss what to have on your profile.

When it comes to being happy at work, guess which factor matters the most? The nature of our work? No. The money? Nope. OK, it's the people we work with. And, if you’re lucky, you have a work wife. This week we’re with Erica Cerulo and Claire Mazur, work wives and founders of the popular fashion and design website, Of a Kind. They’re out with the new book, inspired by their relationship, “Work Wife: The Power of Female Friendship to Drive Successful Businesses.” We discuss why these relationships are valuable (in more ways than one), how to take a friendship to the next level (i.e., starting a business together) and how to talk money with your besties, in general. In Mailbag, we answer your questions on the concept of gender-neutral investing and where to invest and save for the short-term. And since we’re on the subject of relationships, would you break up with someone because of their credit card debt? Interesting research in Thrive.

We’re sitting down with Emmy award-winning journalist and producer, Laura Ling. (Yes, the Laura Ling who was was arrested and held captive in North Korea for 140 days after reporting on the trafficking of North Korean women.) She’s now the host of the Everyday Bravery podcast, which documents people overcoming hardships. We discuss how to build your resiliency muscle, the power of mentorship and her personal caregiving story (a reminder that if you’re taking care of kids and your parents simultaneously, a) you’re not alone and b) you’re nothing short of amazing!). In Mailbag, we answer your questions on negotiating benefits packages and investing in real estate. Plus: Another friendly reminder to just say NO to store credit cards. Why in Thrive. The HerMoney Listener Survey: http://hermoney.com/survey

How about Xer? Boomer? Having a multigenerational team at work can be a wonderful thing. The diversity of ages brings different experiences, different lenses—all of which can strengthen your company’s culture and increase your chances of success. But communication across the generations? That can be trying. Enter our guest, executive coach Lisa Lord. After today’s session — i.e. episode — you’ll have a new framework for figuring out what you want out of your job, how to interact effectively with all of your colleagues and even how to score a promotion you’re not qualified for (yet). In Mailbag, we answer your questions on where to save or invest money for a first home and financial considerations for first-time parents. Stick around for Thrive to hear the new rules of résumés. Have you taken our listener survey yet: http://hermoney.com/survey? To improve the show, we’re conducting a survey to learn more about you, what you think and what you want more (or less) of moving forward. It should take five minutes of your time. As a thank you—upon completion—we’ll enter you into our giveaway of $100 Amazon gift cards and signed copies of Jean’s new book, "Women With Money."

With Valentine’s Day tomorrow, we decided to romance you with an entire show dedicated to your taxes. We shouldn’t have, right? But we did and we should, because this will be the first filing season that taxpayers see the full effects of the tax reform that was passed in 2017. And given that this was one of the biggest overhauls of the tax code in over 30 years, there will be tons of changes. Will they affect you? Let’s find out. Our date and tax expert this week is Maggie Klokkenga, senior advisor at Clayton Financial Group. Maggie is both a CPA and CFP®, and, best of all, she’s a longtime HerMoney community member, which is how we met. In Mailbag, we answer your questions on backdoor Roth IRAs, 529 savings plans, tax software and filing jointly. Plus: If you’re one of the many people who didn’t adjust their tax withholding last year—or you can’t remember the last time you did—then it’s time to do that. We tell you how. As always, thank you for listening. To improve the show, we’re conducting a survey to learn more about you, what you think and what you want more (or less) of moving forward. The survey should take five minutes of your time. As a thank you—upon completion—we’ll enter you into our giveaway of $100 Amazon gift cards and signed copies of Jean’s new book, "Women With Money." Please share your opinion here: http://hermoney.com/survey Resources mentioned in the show: IRS Withholding Calculator: https://bit.ly/2aLxK0A NerdWallet Withholding Calculator: https://bit.ly/2X0zcCk

“Becoming a millionaire is not a private country club—it’s a result of many many years of hard work.” This week we’re back with retirement expert and Ramsey Personality, Chris Hogan, who’s out with his new book, “Everyday Millionaires: How Ordinary People Built Extraordinary Wealth—and How You Can Too.” Chris and the Ramsey research team surveyed over 10,000 U.S. millionaires to discover how they reached seven-figure status. Not surprisingly, it starts with getting in the right headspace. Oh, and Andy Puddicombe, consider Chris your competition. (If you listened to Episode 49, then you know what we’re talking about!) In Mailbag, we answer your questions on being more hands-on with your retirement investments, budgeting for childcare and retirement planning with a pension. Then, should you share your salary with your colleague—your male colleagues? We discuss in Thrive.

Building on last week’s episode on the FIRE movement, this week we sit down with Jamila Souffrant, creator of the blog and podcast, Journey To Launch, in which she chronicles her and her family’s experience towards financial independence. “For most people who hear about FIRE movement it seems overwhelming,” says Jamila. “I like to modify it and say it [financial independence] can mean anything you want it to mean. In my case, it meant I wanted to retire from my corporate job to do work I love.” Jamila is candid on how she and her husband increased their savings rate, modified their investments and managed their accounts together to make this happen. In fact, we all might want to take a lesson in financial togetherness (and respect) from this couple. In Mailbag, we answer your questions on maxing out 401(k)s without compromising your short-term goals, protecting your finances when buying property with a future spouse and funding HSAs. And Jamila’s story has us wondering: Do you feel engaged in what you're doing at work? If not, we discuss new research that can help in Thrive.

Only you can prevent running out of money in retirement. OK, we’ll cool it with the fire and Smokey The Bear puns. This savings crisis is one we’ve covered before, but this week we’re discussing what thousands of people are calling the solution: The FIRE (Financial Independence Retire Early) Movement. Our two experts, Jonathan Mendonsa and Brad Barrett, co-hosts of the ChooseFi podcast, explain what it is, its “simple math” and why it’s so popular: “You know, I think all of us kind of understand the golden years are the years that you're allowed to do everything that you've really wanted,” says Jonathan. “Now society has given you the permission to go do that...I don't just want my golden years right—I want my best years.” Then, in Mailbag, we answer your questions on how college students can start investing and building credit when they have none. Plus, there’s another gap—not in our favor—we can add to the list: the stress gap. Sigh, and talk solutions with us in Thrive.

Double lives. Deception. Shame. Nope, it’s not an episode of “Dirty John” (though it could be)—it’s this week’s podcast. Abby Ellin, an award-winning journalist and author of the new book: “Duped: Double Lives, False Identities, and the Con Man I Almost Married,” is in the studio and does she have a story to tell! She also equips us with advice for how to be smarter even when we’re confronted with some of the most-skilled liars. Then, in Mailbag, we discuss how you can ask for more financial responsibility at home without implying you don’t trust your partner—and we answer your questions on long-term care policies for singles (plus other insurances singles should strongly consider) and the 4% retirement rule. In Thrive, staying on the theme of couples and money: Who do you think should pick up the check on a date? We discuss.

We’re in the second week of 2019 — and with our New Year’s resolutions fresh in our minds — we thought it’d be an opportune time to talk about abundance. Or rather, the art of abundance with Leisa Peterson. Leisa is a wealth coach, business strategist, podcaster and author, who is known for her ability to quickly identify the exact issues that are holding us back from achieving our goals. She’s helped thousands of people (including us) develop practical skills for attracting greater wealth, freedom and peace of mind. In Mailbag, we cover your questions on refinancing student debt, aligning your budget with your ethics and exploring career opportunities in the financial services industry. Finally, have you heard of the FIRE movement? We’ve mentioned it on the show before and we have a podcast dedicated to it coming up soon. In the meantime, a FIRE 101 in Thrive.

Happy New Year HerMoney! Goodbye 2018 and goodbye investing confidence gap. After decades of focusing on why women weren’t investing, the broader conversation is shifting to why — and how — women are growing their wealth. We’re kicking off another fantastic year of important conversations with HerMoney’s champion from day one, Kathy Murphy. She’s the president of personal investing at Fidelity, which is out with new research on women and investing. A finding we’re thrilled to hear: Over 70% of women say it’s time to demand more from their money and that they’re going to take action in the next six months. Let’s join them! Kathy tells us how. In Mailbag, Kelly and I answer your questions on Social Security, opening up a Roth IRA and buying a house in the current market. Plus: We know women are more likely to take career breaks for childcare — and now we have an idea of how much it can cost them. We discuss in Thrive.

Too many of us can relate to the fact that personal finance wasn’t something we were taught growing up. It’s a big reason why this show exists and it’s also why Dina Shoman founded inherQuests, a company that creates financial education products for kids. She’s on a mission to increase financial literacy for our future generations, starting with little girls. She shares what’s working, what isn’t and how we can start talking to our kids about money in a way that sticks. In Mailbag, we answer your questions on getting out of debt, getting money in foreign countries and combining finances for newlyweds. Finally, you know we love highlighting gratitude practices, especially the simple ones, like writing thank-you notes. But it turns out if you’re writing one to a hiring manager, you might want to put away the pen and paper. Why in Thrive.

This week, we’re tackling the subject of aging, which, according to new research, more women are looking forward to. Excuse us? Yep, financial challenges aside, more women are excited about aging, particularly about what their lives will look like as they age. It’s rooted in the idea of, “The best is yet to come.” But the best will only come if you’re feeling your best, and that means taking care of yourself. Enter: The always-wonderful Jillian Michaels. Just days after losing her home in the California Camp Fire, Jillian spent time with us to discuss her latest book, “The 6 Keys: Unlock Your Genetic Potential for Ageless Strength, Health, and Beauty.” We run through all six and how you can apply them today, because “Aging gracefully doesn’t have to mean giving up and accepting decay,” writes Jillian. “It means keeping yourself in fantastic health, inside and out, for a hell of a long time …” In Mailbag, we answer your questions on union memberships, rebalancing 401(k)s and prioritizing HSAs. Then, if you’re like us — and many other rewards-points junkies — the allure of getting a new credit card with a big, fat rewards bonus sends your heart fluttering: 50,000 points, 70,000, 100,000, oh my! But, what then? How to maximize them in Thrive.

We’ve got the O.G. B.F.F. (best financial friend) on the show this week. Shannon McLay is the founder and CEO of The Financial Gym, a financial services company that’s disrupting the industry’s approach with women (and some men) on how they overhaul their relationships with money and work towards financial success. We discuss why women want (and need) different financial advice, what's working, what isn't and how Shannon is successfully raising capital for her company from men who can't relate. In Mailbag, we answer your questions on finding a job in the financial services industry, balancing wants vs. needs and understanding an annuity alongside other retirement accounts. Finally, because there’s so much going on in our world that’s blazing a light on our differences rather than our similarities, we thought it would be nice to focus on something we all want: happiness. Join us in Thrive.

Earlier this year, America's student debt hit 1.5 trillion dollars — and guess who holds most of it? Yep, us ladies. We hold nearly two-thirds of all student loan debt in the United States. To bring it closer to home, the average graduate walked off campus with around $39,400 last year, which is up six percent from 2016. It's trending up, so what can we do for ourselves and our loved ones to lower the cost? One (big) option: 529 college savings plans. We have Abby Chao, co-founder and COO of CollegeBacker, to talk us through what they are, how they work and how you can easily get your loved ones on board. In Mailbag, we answer your questions on retirement planning for when you're out of work, credit cards for new adults and how to go from joint accounts to yours, mine and ours. In Thrive, HerMoney reporter Kathryn shares her coverage on the increase in workplace demotions. We discuss what to do and how to handle them.

If you texted, emailed, Slacked and DM'd with people more than you talked to them face-to-face today, then this week's episode is for you. Erica Keswin, author of the new book, "Bring Your Human to Work: 10 Surefire Ways to Design a Workplace That Is Good for People, Great for Business, and Just Might Change the World," is all about learning how to speak in a human voice, finding the sweet spot between tech and connect and meetings that won't waste your time. She's our new girl crush. And we cover it all. In Mailbag, we answer your questions on selling stock, rolling over retirement accounts and dealing with medical collections. And, in Thrive, some great news: There are more 401(k) and IRA millionaires than ever before, according to a new report from Fidelity — woo-hoo! You can be one, too. Keep listening!

Finding roommates and funding businesses are no easy feats. Ask Elien Becque. She's the founder and CEO of RoomZoom, a roommate matching web app designed to take the stress, financial risk and guesswork out of finding a roommate. We’ve covered the trend of more couples cohabitating before marriage to save money, but we haven’t discussed a similar trend of more Americans — in non-romantic relationships — choosing to room together for the same reason. Elien is our new guide for how to find the perfect match. She also gets real on the highs and lows of running an early-stage company — her entrepreneurial story is both refreshing and relatable. In Mailbag, Kelly and I talk Venmo and answer your questions on retirement: saving strategies with a pension, saving strategies without a pension and whether or not it's OK to use them for paying off the mortgage. Plus: It's Open Enrollment time. Are you set for next year? We discuss health care in Thrive. Something easier than choosing a health care plan? Subscribing to our free weekly newsletters! Just text "HERMONEY" to 888-111 to subscribe.

TGIF! To celebrate, we're taking you back to our live show at the PRX Podcast Garage in Boston. After our interview with Harvard’s Brigitte Madrian and our Mailbag (listen to both in Episode 134), we hosted a HerMoney Happy Hour. Grab your favorite beverage and enjoy 30+ minutes of women getting real about their relationships with money.

Whether you're an entrepreneur, a wantrepreneur (our favorite new word) or neither, the ability to market yourself is crucial. We all need to be able to create strong brands — personal and professional — and this week we get advice on how from the best. Tina Wells, CEO and founder of Buzz Marketing Group, an agency that creates marketing strategies for clients within the beauty, entertainment, fashion, financial, and lifestyle sectors, gives us a private consultation. In Mailbag, Kelly and I answer your questions on using life insurance plans for college savings, trusts, and credit card balance transfers. In Thrive, Fair Isaac Corp. — the creator of FICO credit score — is introducing a new scoring system called the UltraFICO in 2019. Learn how it could impact you.

HerMoney recently went on a road trip to Boston for a live show with Harvard’s Brigitte Madrian at the PRX Podcast Garage. We discuss her extensive research on 401(k)s — savings rates, leakages and the possible relationship they have with credit card debt — if you were auto-enrolled into yours, then you definitely want to tune in. We also explore the idea of sidecar plans. Have you heard of them? In our live Mailbag, we answer attendees' questions on how to get more of our girlfriends talking about money, how to approach the current real estate market, how to ride the stock market (rollercoaster) and more. In fact, so much more, including a taste of a HerMoney Happy Hour (!), that we're making this a two-part special. Stay tuned for more!

We (and by we, we mean the entire personal finance community) talk a lot about saving for retirement, but not enough about how to make our money last as long as we're going to. So we're going to change that. One possible solution for better guaranteeing income in retirement: annuities. One woman who's making annuities sound much sexier than they are: Elaine Larsen. At speeds of over 280 mph, Elaine has made a career out of going as fast as possible for five seconds down a straight and narrow quarter-mile track as hot-rod race car driver. However, after a major wreck in 2011, she realized she wasn’t invincible and that it was time to start planning for retirement. She shares her story and how an annuity was right for her and her family. In Mailbag — after retirement is taken care of, how should you invest an extra $10,000? We offer ideas and answer your other questions on freezing credit for toddlers and buying into CDs at credit unions. Plus: Venmo is about to get more expensive. Hear why in Thrive.

With giving season upon us, we started asking ourselves how we can make bigger impacts — not just at the end of the year — but perhaps year round? We all have causes we care about, but when does it make sense to take donating money, time or resources a step further? When does it make sense to start a charity or not-for-profit organization of your own? To help us answer these questions, we’re sitting down with Scott Harrison, founder and CEO of the non-profit organization charity: water, which focuses on the global water crisis and the world’s 663 million people without clean water to drink. In Mailbag, we answer your questions on healthcare plans for people in their 50s and 60s, forgotten stocks and freezing and unfreezing your credit — which you can now do for free. No more excuses — and more details in Thrive.

The loss of an identity. The loss of a paycheck. Sometimes they're one in the same. This week we're discussing how to navigate major life changes with two of my favorite women, Lisa Oz and Jill Herzig, great friends and hosts of the new podcast, "You Turns by HowStuffWorks." We love the name — and the concept. We sit down with both to discuss the good, the bad and the sometimes ugly when making personal and professional transitions (e.g. sending a kid off to college or losing your job). In Mailbag, Kelly and I answer your questions on earning extra income while on Social Security Disability Income SSDI, and how to (nicely) ask your credit card company for lower interest rates. (Yes, it's possible.) In Thrive, we discuss the new and troubling research that shows many women are opting for “intentional invisibility” in the office. P.S. If you're in Boston, come see us LIVE on 10/27: https://bit.ly/2CS1Z5o.

For many of us, the tables eventually turn, the roles reverse and it becomes time to take care of the people who took care of us for so many years. Becoming caregivers for our parents is often uncomfortable, emotional and comes at a time when many of us are still revving up at work (and, yes, women are more likely to leave the workforce for this, too). Stories like this week's guest, award-winning journalist Soledad O'Brien's, remind us that we're not alone in this. Soledad gets candid about her caregiving experience, her evolving relationship with money and what she's hearing from other women leading up to this year's midterm elections. In Mailbag, we answer your questions on warming up to Venmo (as a parent), accessing your free credit reports and investing $10,000 just because. And, whether you're a parent of a college student or a college student yourself, building your credit while in school is not just smart, but doable. We tell you how.

Estrogen, progesterone and testosterone, oh my! This week we're getting hormonal with my good friend, Randi Hutter Epstein, author of the new book: "Aroused: The History of Hormones and How They Control Just About Everything" — which, by the way, includes our finances. We talk emotions (and money), birth control (and money), egg freezing (and money) and how to save, yes, money, on shopping for medical care. In Mailbag, Kelly and I answer your questions on selling stocks, protecting your newborn's identity and HELOCs. And a question for all of us: Could our friendships be holding us back at work? We discuss in Thrive. If you haven't already, please check out the *NEW* HerMoney.com — and please subscribe to our YouTube channel: https://bit.ly/2DNigd4

The fear that you'll run out of money in retirement is big and real and daunting. Which is why we're always excited to hear about it when someone — somewhere — has a new idea to help us conquer the challenges of making our money last. This week's hero: Morningstar's Head of Behavioral Science, Dr. Stephen Wendel. He outlines how a handful of modest (and specific!) changes, when made simultaneously, can amount to much bigger nest eggs. So, calm your retirement anxieties — and geek out on the research — with us. Then, in Mailbag, we’re discussing 401(k) rollovers, the 5-year rule on Roth IRAs and having a dedicated savings account for healthcare. And in Thrive, how to budget with a cash-only diet.

This week we’re speaking with a woman who’s on a mission to make other women, "really f***ing rich." And who doesn't like the sound of that? Cindy Eckert, founder and CEO of Sprout Pharmaceuticals is leading this charge, while simultaneously supercharging our sex lives. Her company — which she sold for $1 billion and bought back for practically nothing — created Addyi, the first ever FDA-approved drug for low sexual desire in women. We talk hormones, big pharma, negotiations and how to handle sexism. Her strategy: "Kill them with competence." It's a must-listen. In Mailbag, we dive into credit cards, student loans and other financial trade-offs. And, in Thrive, we discuss troubling research on the big little lies we tell when women outearn their husbands.

It’s college application season for thousands of high school seniors across the country — and the ones who love them. Whether you're up against the deadline this year — or see it coming around the corner — it's never too early to start strategizing. We sat down with independent university admissions counselor and founder and CEO of IvyWise, Dr. Kat Cohen, to talk not just about reigning in the cost of college, but the cost of applying itself. In Mailbag, we answer your questions on wealth strategies for singles, bankruptcy scores and credit cards for young adults. Then, in Thrive, meet HerMoney reporter Kathryn Tuggle! She shares her reporting on how — and why — pet insurance can be a smart move.

Questions on retirement for investing options, the perks of making additional mortgage payments, 529 alternatives, why someone might put her home in a trust, and how to build an emergency fund and pay down debt at the same time.

We're getting up close and personal about our spending habits with Lindsey Stanberry, author of the book "Refinery29 Money Diaries: Everything You've Ever Wanted To Know About Your Finances... And Everyone Else's." She offers an inside look into the spending habits of women across the country. In Mailbag, credit card loyalty, balance transfers and health insurance.

Washington Post columnist Michelle Singletary discusses her quest for the perfect credit score. (Yes, she has an 850!) She dishes on spending in line with your values and how to live a debt-free life. In Mailbag, taking on significant student loans, Roth IRAs and earning money working from home.

Do you trust your bank? We're diving into all our feels around our country's banking system with UPenn's Lisa Servon, author of "The Unbanking of America: How the New Middle Class Survives." We discuss large and small banks, credit unions and online banking alternatives. In Mailbag, catch-up strategies for retirement savings and real estate as an investment strategy.

Were you raised to be financially independent? MSNBC LIVE anchor Stephanie Ruhle dishes on her upbringing, her career transition, and the financial advice women need most. In Mailbag, SEP IRAs and high-interest checking accounts.

This week we dig deep into the confidence gap with life coach Cara Alwill Leyba. We discuss her book, "Like She Owns The Place, Give Yourself The Gift of Confidence and Ignite Your Inner Magic," what confidence looks like, feels like and how you can get more of it. In Mailbag, what to do with a CD that's coming due, how to pay off your mortgage faster, and where to find a fee-only financial advisor.

Stella & Dot CEO and founder Jessica Herrin talks financial independence, home business opportunities, and saving and investing. In Mailbag, the pros and cons of using your savings to learn a new skill and checking your credit report and score for free.

Just like you fell for Winnie Cooper on The Wonder Years, we’ve fallen for Danica McKellar IRL. Not only is she a brilliant actress, she’s also an internationally-recognized mathematician and the author of a number of books aimed at helping girls become more confident with math. We talk math phobias and why the stereotypes about women and math still linger today. In Mailbag, questions on life insurance for children, IRAs and finding an advisor.

Nely Galán, the first Latina President of Entertainment for a U.S. television network (Telemundo), talks strategy, sacrifice and self-control. She joins us for an inspiring conversation on immigration, building wealth, real estate, overachievers, and our ever-growing to-do lists. In Mailbag, getting your rent reflected on your credit report, and selling a home in a down market.

What's your definition of success? Career? Family? Both? We're tackling the question with Hana Schank and Elizabeth Wallace, authors of the new book: "The Ambition Decisions." We discuss work-life balance, motherhood, happiness and more. In Mailbag, how much to save, and getting 401(k) dollars from past employers.

All your questions on tuition reimbursement programs, the pros and cons of using a 0% APR credit card, how your stellar financial habits can boost your partner’s, plus waiving annual fees on credit cards.

When Laurie Burrows Grad's husband died, she put her feelings into a wonderful book, "The Joke’s Over, You Can Come Back Now: How This Widow Plowed Through Grief and Survived." She gives us a window on widowhood, and schools us on what to say to friends and family who are grieving. In Mailbag, aggressively saving for retirement diversifying your retirement savings between Traditional and Roth accounts, and taking loans to pay off student loans.

This week we're talking divorce — an important topic for all women whether you’re single, engaged or married. Divorce expert Stacy Francis discusses why many women feel most confident with managing money when we're single, and offers some advice on how to deal with divorce if it happens. In Mailbag, balance transfer offers, investments for women in their 70s and how to prioritize retirement savings when paying off student debt.

Money, dating and relationships. This week we're with Meredith Golden, former psychotherapist and founder of Spoon Meet Spoon. We learn how matchmaking is big business in the U.S., and talk dating in the digital age, including which apps are right for you. In Mailbag, we talk marrying debt, annuities and how much we spend on skincare and cosmetics.

Fran Hauser, author of "The Myth of the Nice Girl," is here to talk about the conflicted relationship women all have with being nice. When you're nice, you can be seen as weak or ineffective. When you're assertive, you're bitchy. It sounds like a lose-lose, but Fran says it doesn’t have to be. In Mailbag, Roth IRAs for teens, umbrella life insurance policies for families and why you don't touch a 401(k) before retirement.

Life coach Lauren Handel Zander, author of “Maybe It’s You: Cut the Crap, Face Your Fears, Love Your Life,” helps us figure out not just what we want out of life, but how to get there — and it all starts with getting honest with ourselves about money, careers, health, relationships and more. In Mailbag, we tackle credit scores and how to ask for a pay bump when you know someone at the company is leaving.

How do you feel about what you're doing with your time? Do you feel like you're having an impact? That's the topic we tackle this week with Facebook's Head of Groups and Community Jennifer Dulski. Her book, "Purposeful" offers the leadership skills necessary for taking an idea from infancy to impact. In Mailbag, we discuss merging finances with partners and how to shop for health insurance when you have a disability.

There are many things women are better at than men, but taking care of our health isn’t necessarily one of them. We sit down with Jean's longtime OB-GYN and friend, Dr. Rebecca Brightman, to cover costs and considerations for women's health in every decade. In Mailbag, how to manage an income when a big portion of it is a bonus — and what you can do with an excellent credit score.

Executive coach Liz Bentley is here to help us think about the future of our careers, and how to ask for feedback that will help us constantly evolve. In Mailbag, how college grads can prep for the job hunt, and tax implications for hiring a personal assistant.

"Freeze your eggs. Free your career." That was the headline on an April 2014 cover of Businessweek featuring this week's guest, Brigitte Adams. Adams went on to found Eggsurance, an egg-freezing education site, and she gets granular on the process. In Mailbag, we talk credit freezing, SEP IRAs and student loan refinancing.

Talking about money and death can be awkward. That’s why we're chatting with Rebecca Soffer and Gabrielle Birkner, authors of, "Modern Loss: Candid Conversation About Grief. Beginners Welcome." We discuss grief, family dynamics, inheritances, wills, the importance of having good executors and what to say to people when it feels like there are no right words. In Mailbag, HSAs, post-divorce retirement considerations and prepping college grads for managing money.

Does women + Investing = Fear? It might, according to research from our guest, Libby Leffler, VP of Membership at SoFi. She gives us her take on how to get more involved with your investments. In Mailbag, whole life insurance policies, how to rollover retirement accounts and how to pay down debt and build emergency savings.

Kate White, author of The Gutsy Girl Handbook: Your Manifesto for Success, offers her advice on negotiating and how being a "good girl" can hold you back. In Mailbag, credit repair services, Facebook scams and tax deductions.

Sheila Nevins, longtime President of HBO Documentary Films has spent years telling other people's stories. But in this episode she opens up about her own. We have a no-holds-barred conversation on what it was like to be a career-driven woman in the 1970s, the #MeToo movement, her relationship with money, and her feelings about aging. In Mailbag, saving before you start investing, and couples compromising on debt tolerances.

After paying off $30,000 of debt in two years, Cait Flanders found herself spending too much because she never addressed why she got into debt in the first place. She went on a two-year shopping hiatus and discovered her spending was more emotional than anything else. In her book, "The Year of Less" she chronicles her journey and teaches us to hack our shopping habits for the better. In Mailbag, short-term and long-term investment decisions and lowering your credit card's interest rate.

It's time to start approaching each year and decade of our lives more intentionally. We're chatting with therapist Dr. Meg Jay, author of "The Defining Decade" about how to take control, reduce our anxieties and build identity capital. In Mailbag, how to gain more financial power.

Adam Grant, organizational psychologist, Wharton's top-rated professor and bestselling author offers up his surprising research on originality, including the fact that people who are "idea machines" are more likely to procrastinate, more likely to play it safe and just as likely to feel the same fear and doubt that the rest of us do. In Mailbag, we cover how to raise kids who want to be investors, and why you need a cohabitation agreement if you're moving in with the LOYL.

In this Bonus Mailbag, questions on tax brackets in retirement, credit cards for business expenses, balancing student loan repayments with retirement savings and getting the whole family on board for an estate planning discussion.

When it's likely safe to hand over your social security number, and when it's not. Also, questions on using trust money for student loans and managing finances as freelancers.

In today’s Bonus Mailbag, we cover Roth IRA conversions, high-yield online savings accounts and loans for flight school.

Dan Harris, author of 10% Happier and Meditation For Fidgety Skeptics, joins us to talk happiness, meditation and money. He shares how you can train your mind just the way you can train your biceps in the gym. We talk about what to do with the negative voice inside our heads, and he guides us through a meditation at the end. In Mailbag, planning for retirement early and exploring new ways to invest your money.

In today’s Bonus Mailbag, we answer your questions on entertaining pyramid schemes, exploring retirement plans for small businesses, using savings bonds to repay student loans and buying gold as an investment.

Mailbag-only episode on financial planners, retirement specialists, HSAs for long-term care and when to pull your credit report in the home-buying process.

A chat with Gianna Wurzl and Ashley Sumner, founders of Quilt, the new female-only coworking start-up that enables women to work out of one another’s homes. We talk purpose, passion, productivity, matchmaking and why working with other women helps you achieve your personal and professional goals. In Mailbag, credit cards in college, tax scams, and the cost of assisted living.

You've all heard the joke, right? Well, we're not laughing, and neither is Joanne Lipman, author of the new book by the same title. (Subtitle: What Men Need to Know (And What Women Need to Tell Them) About Working Together.) She's got actionable solutions for closing the salary gap, and tips for how to stand up for yourself and inspire more men to do so for you. In Mailbag, budgeting for healthcare and whether Roth IRAs can double as emergency funds.

David Bach, author of the bestseller "Smart Couples Finish Rich" answers all of your questions on how to handle volatile markets (and trying to time them). We also discuss whether to dip a toe into Bitcoin or one of the other cryptocurrencies.

This week, psychology experts and wife-and-husband duo Suzann Pileggi Pawelski and James Pawelski discuss their new book, Happy Together: Using the Science of Positive Psychology to Build Love That Lasts. The Pawelskis have clued into the fact that how we behave with money can make a big difference in the success or failure of our relationships. Whether you're single, dating, married, divorced or widowed, their wise words can help lead you in the right direction. In Mailbag, HSAs, credit card debt, and how to sell your home.

This week we're talking power, purpose and legacy with Pattie Sellers, founder of Fortune Magazine's Most Powerful Women (MPW) franchise and SellersEaston Media. You'll learn the importance of knowing and sharing your story for personal and professional success, and how the "good girls" in us could be holding us back from making important jumps. In Mailbag, extended warranties for new cars, repayment plans for medical bills and first-time investment moves for millennials.

Closing the gender pay gap is Mika Brzezinski’s mission. As co-host of MSNBC’s “Morning Joe” and the force behind the “Know Your Value” movement, she shares proven how-to strategies for all women, in every industry. In Mailbag, personal loans, prepaying mortgages and 529s.

Daniel H. Pink, author of “When: The Scientific Secrets of Perfect Timing," says timing is a science — not an art. He shares how we can make systematically better decisions at work, at school, at home — and for our wallets. In Mailbag, retirement catch-up moves and when to take a severance package.

At AARP's Family Caregiving summit we had some amazing conversations with bestselling author Lee Woodruff (who cared for her husband, ABC's Bob Woodruff, after he suffered a traumatic brain injury while reporting in Iraq), Sheila Lirio Marcelo, CEO of Care.com (who founded the site as a young working mother with two young children and ailing parents) and actress and activist Holly Robinson Peete (who at 19 years old was the caregiver for her father and, two decades later, for her son with autism).

When the worst headache of her life turned into a near-death experience, CNBC’s senior personal finance correspondent Sharon Epperson was forced to stop and reevaluate how she manages her family and career. She’s healthy now, and here to share how she managed, with everything from emergency savings to estate-planning. In Mailbag, lifestyle inflation and how to control it when you receive raises or other windfalls.

Jill Martin and Joy Bauer are my NBC TODAY sisters, and for the past few years, we’ve teamed up for segments to help you with your money, health and organization-related resolutions. And that’s exactly what we’re doing in this episode. In Mailbag, estate planning with a parent and how to handle your 401(k) when your company goes Roth.

“Know your worth and then add tax.” Robin Arzon, lawyer-turned-health-and-wellness-influencer, is the bestselling author of “Shut Up And Run,” and the VP of Fitness Programming for Peloton. She gets us focused on our health and wealth so that we can make this year our best one yet. In Mailbag, 401(k) rollovers, financial considerations for caregivers and how to prioritize credit card debt with building emergency savings.

Are you happy at work? Does your job excite you? Does it make you feel fulfilled? Does it make you feel like you have a purpose? This week Kathryn Minshew, CEO & founder of TheMuse.com, tells us how to find more joy and fulfillment in our work.

Chair of the Federal Deposit Insurance Corporation from 2006 to 2011, Sheila Bair steered the agency through the worst financial crisis since the Great Depression and was the woman responsible for the successful safekeeping of $6 trillion of Americans’ savings. Her leadership earned her the nickname the “new sheriff of Wall Street.” We discuss the lessons all of us can take away from the last recession. In Mailbag, how to find a financial planner and remove a delinquency from your credit report.

With over a million charities in the United States alone, figuring out where to direct your money can be an overwhelming decision. How will your donation line up with your values and goals? How will it change the world? They're big questions, but we've got answers from Katherina Rosqueta, executive director of the Center for High Impact Philanthropy. In Mailbag, questions on car deals, 401(k) rollovers, stock options for kids, and year-end tax planning.

Kathleen Burns Kingsbury, wealth psychology expert and author of the book “Breaking Money Silence,” says that in a world where money can grant self-worth, power, respect, freedom and even love, there can be prices to pay for money silence. In Mailbag, we talk building money confidence, choosing an online bank and picking the right credit-monitoring service.

Before you do any shopping this week — either in-store or online — take 35 minutes to listen to this episode. We're with Dan Ariely, professor of psychology and behavioral economics at Duke University. He discusses his book, Dollars and Sense: How We Misthink Money and How to Spend Smarter, and answers: Why does paying for things often feel like it causes actual pain? When is a sale not really a sale? In Mailbag, investing in your early 20s and how to broach estate planning with your parents.

A follow-up chat with fellow financial journalist Stacey Tisdale. We discuss feminism, race, resilience and entrepreneurship.

In this Mailbag-only episode, we're talking about taking on a mortgage in retirement, buying a new car, using rewards credit cards strategically and more.

When we shut off the lights and can’t shut off our brains, what should we do? This week, we sit down with Nancy H. Rothstein, The Sleep Ambassador, to discuss why our sleep is suffering, how to turn it around and why doing so is in our finances’ best interest as well. In Mailbag, we talk personal loans, where to keep emergency savings for the best returns, and traditional and Roth 401(k)s.

Raising a child isn't cheap, and one study estimates the lifetime costs of treating and caring for an individual with autism can be $2.4 million. Judith Newman is the author of To Siri with Love: A Mother, Her Autistic Son, and the Kindness of Machines, and she shares her story. In Mailbag, we talk taxes, investing in retirement and how to dodge bank fees.

Buying health insurance has never been more complicated, and we know you've probably got questions. So, with the help of Nate Purpura, VP of Consumer Affairs at eHealth.com, we've got answers on open enrollment and more.

In the last few years, Dr. Nancy Snyderman lost her father, left her job at NBC News, let go of her identity as a journalist, and had to figure out who she was without all of them. She talks about the importance of knowing herself at her core as work identities come and go. In Mailbag, caretaking and credit reports.

Conversations are essential to our survival, yet we’re having less of them and getting worse at them. Celeste Headlee is the author of “We Need to Talk: How to Have Conversations That Matter,” and she shares five ways we’re holding ourselves back from being better communicators. In Mailbag, credit freezes and the FAFSA and consolidation loans.

In this Mailbag-only episode, we discuss short sales and reverse mortgages.

Being a mother is hard. Going at it alone? Even harder. Emma Johnson is the author of the book “The Kickass Single Mom,” and we discuss her journey, operating from a place of confidence and the importance of financial independence.

This week, we’re talking with “professional oversharers” Catherine Belknap and Natalie Telfer — Cat & Nat. They head up a rapidly-exploding online community of like-minded moms, and are known for saying what you’re thinking. We discuss how the besties-turned-business partners handle money both personally and professionally. In Mailbag, buying a home with a VA loan and finances for couples who aren’t planning on tying the knot.

Like a fine wine, Hoda Kotb keeps getting better with age. She takes us through the pain points of her 40s — cancer and divorce — and how all of them made her fearless. She also tells us how in her 50s, she's in a job she pushed for, and in a relationship that makes her happy. She's living her life by her own rules and sharing how you can do the same. In Mailbag, credit cards and credit scores.

Starting a new job, buying a house, getting married, getting divorced, having a baby or having a baby move back home — all of these events not only shake up your life, but your finances, too. Fidelity's senior vice president of Thought Leadership, Jeanne Thompson, takes us through the research on how not all events are created equal when it comes to the impacts they have on your physical and financial health.

Long before “Catch Me If You Can” was made into a movie, Frank Abagnale was one of my go-to sources on all things identity-related. In the years since, he’s consulted with companies, governments and organizations big and small about how to keep their data (and yours) safe. He tells us what we need to do now to protect against identity theft.

When it comes to long-term success, how you fail is more important than the failure itself. This week, author and educator Rachel Simmons gives us a private lesson on failing well, and a look at the culture of mean girls and why it's important to surround yourself with women who help you shine. In Mailbag, we talk investing in a bull market and 529s.

Gretchen Rubin, author of The Four Tendencies: The Indispensable Personality Profiles That Reveal How to Make Your Life Better, on how people respond to internal expectations (the ones you set for yourself) and external expectations (the ones others and society set for you). How to break habits and make new ones. In Mailbag, flat-fee real estate agents and credit cards for recent grads.

Admit it. You've thought about starting a business, launching a side gig or taking that brilliant idea of yours and seeing if it actually has legs. JJ Ramberg, host of Your Business on MSNBC and founder of Goodshop.com, helps female entrepreneurs make it happen. In Mailbag, pensions, free FICO scores and investment moves to make in college.

Alice Finn's career has taken her from NASA to wealth management, and in her book, Smart Women Love Money, she lays out the only five things you need to do to guarantee financial success. In Mailbag, questions about maximizing a post-divorce nest egg, and paying off debt.

What happens when you go all in? Can you have work, friends, a relationship, kids and money all on your own terms? Ann Shoket, author of The Big Life, says it's possible, and tells us all how to do it. In Mailbag, we talk combining finances before marriage and HSAs.

We sat down with Gloria Steinem and Stacey Tisdale to talk financial independence, reproductive rights and how the pay gap is wider for black women. In Mailbag, using a Roth IRA to repay student loans, playing catch-up on retirement savings after co-signing on a loan, and choosing a debt management plan.

The average woman buys 64 items of clothing every year, then wears each one just three times or less. Jennifer Hyman, founder and CEO of Rent The Runway, says social media has completely changed the way we shop for clothes. She shares her secrets and philosophies. In Mailbag, budget-tracking apps, refinancing student loans, and Roth IRAs.

Melanie Lockert, author of the book Dear Debt, shares how she finally made the critical mid shift from complete denial of her own $81,000 in student loan debt, to being obsessed about paying it off — and then got other people to face the financial music, too. In Mailbag, 403(b)s, the hidden allure of tag sales and the importance of saving automatically.

In this Mailbag episode, we answer questions about whether extra cash should go to home improvements or paying off debt, hiding debt in a relationship, buying rental properties and more.

This week, we talk slowing down and getting out of your comfort zone with positive psychology life coach Caren Osten. She helps her clients find balance, resilience and positivity during transitions and tells us how we can do the same. In. Mailbag, getting a break on your credit card fees and eliminating clutter in the kitchen.

Bobbi Brown literally changed the face of cosmetics when she launched Bobbi Brown Essentials over 25 years ago with her barely-there makeup and message of confidence. We talk confidence, business savvy and how to use makeup to enhance your self-esteem — not cover up your insecurities. In Mailbag, index funds and ETFs, and whether your teen's summer job impacts the FAFSA.

This week we're talking with The Wharton School's Katy Milkman, whose research explains why changing our behaviors can be so difficult, and how we can finally make changes. In Mailbag, how to prioritize savings with credit card debt, what to do with old 403(b) accounts and how to handle those sometimes-pricey hobbies for kids.

Alex Daly, The Crowdsourceress, discovered she was so good at helping other people use crowdfunding to bankroll their businesses that she turned it into a business. She shares her secrets. In Mailbag, balancing family goals and a newborn, and aligning your investments with your personal values.

David Bach, author of The Automatic Millionaire, dishes on automation, meditation and sabbaticals, and how they can lead to a richer life. In Mailbag, pet insurance, the case for renting versus buying, and what to do with your tax refund.

Angie Morgan, Captain in the U.S. Marine Corps and author of “Spark: How to Lead Yourself and Others to Greater Success,” is here to help us dig into personal growth, letting go of the things you cannot control, and how confidence is everything. In Mailbag, college savings plans and kid-preneurs.

In this Mailbag-only episode, we answer your questions on student loans, Roth IRAs, investing for the self-employed, married couples balancing 401(k) contributions, managing your spending when you’re planning to live till 100, and more.

Kyle Taylor, founder and CEO of The Penny Hoarder, had a spending addiction and could not ask his parents to bail him out one more time. So he started gig work, and then he started blogging about how you could do the same. If you've ever wanted to earn some extra money on the side, we've got the skinny. In Mailbag, inheritance, saving for a down payment and retirement planning for the self-employed.

Politics, sex, religion or money: Which of these topics is most likely to make you uncomfortable? For many, the answer is money. Gaby Dunn, host of Bad With Money, is here this week to discuss her bad habits and talk strategies for bettering your personal relationship with money. In Mailbag, homeowners insurance, emergency funds and what to do with work bonuses.

Jill Schlesinger, CBS personality and host of the "Better Off" podcast, breaks down markets, investing, health care and why it's all more important if you're a woman. In Mailbag, debt consolidation and what to do with a windfall.

The cost of healthcare and prescription drugs in the US are astronomical, but help is here in the form of Dr. Elisabeth Rosenthal, author of "An American Sickness: How Healthcare Became Big Business and How You Can Take It Back." In Mailbag, choosing the best credit card, financial planning for single women and exchange-traded funds (ETFs).

Good wife, good mother, good daughter, good sister, good friend, good worker. Isn't enough enough already? Tiffany Dufu, author of, "Drop the Ball: Achieving More by Doing Less," says yes. She talks about letting go of those unrealistic expectations and balancing your best self. In Mailbag, credit score changes and when to see a financial planner.

Turn your business idea into a reality with coach Christy Wright, author of the book "Business Boutique: A Woman's Guide for Making Money Doing What She Loves." In Mailbag, we speak with Joe Saul-Sehy, host of Stacking Benjamins, about investing on a dime, down payments for a first home and high-interest savings accounts.

At Stanford University, students wait in line for professor Bill Burnett's course-turned-bestseller, Designing Your Life. You don't have to. Burnett says that if you want to improve your relationships at home and at work, you have to face your problems head on, including the money ones. In Mailbag, negotiating at work, investing beyond your 401(k), and getting a prenup.

Calling all broke millennials: This week Erin Lowry is here to help you set your priorities straight, get a budget, and tackle your debts. In Mailbag, using credit card points, and staying sane during rocky markets.

Financial aid expert Kelly Peeler helps us parse those maddeningly complex financial aid offers, and offers tips on how to negotiate for more. In Mailbag, how to start investing, med school debt, target date funds, and buying your first home.

Motivational coach Jen Sincero shares the secret sauce that allowed her to triple her income in three months, with tips from her new book, You Are a Badass at Making Money. In Mailbag, student loan defaults, employer pensions and public vs. private school.

How kids can understand the value of a dollar, when we rarely touch one. Financial literacy expert and best-selling author Beth Kobliner discusses her new book, Make Your Kid A Money Genius (Even If You’re Not). In Mailbag, when to take Social Security, when to start a college savings plan for a newborn and how to get the family back on track after a job loss.

Betty Liu, Bloomberg anchor and founder of Radiate, Inc., is here to teach us all how to negotiate and get the best, most lucrative job offers that we can. In Mailbag, when to keep a credit card open, financial prep for having a baby and how best to start a college fund.

Chris Hogan, and trusted voice on retirement, says retirement isn’t an age, it’s a financial number. He explains how to calculate and achieve it, and how it can be as simple as saving $10 a day. In Mailbag, when to close store credit cards, and how to become a financial planner.

Self-sabotage can be one of the most damaging behaviors in our lives, especially when it comes to our money. Thankfully, Savvy Psychologist Dr. Ellen Hendriksen helps us all get self-sabotage to stand down. She says giving up isn’t failure if it moves us forward — cutting our losses is sometimes the best choice. In Mailbag, what to do with unused gift cards, how long you need to keep the paperwork when you sell your home, and permanent life insurance.

Women are living longer than ever before, and since your health and financial life are critically intertwined, I joined forces with Dr. Michael Roizen of the Cleveland Clinic to help us all "AgeProof" our lives. In Mailbag, questions about health spending accounts, how to dig out of a personal family debt crisis, how to get ready to buy a home.

Money and sex. They're the two things couples fight about most and talk about least, so we're turning up the heat with love and relationships expert Dr. Pepper Schwartz, from Married At First Sight, She says there are ways to keep your relationship on track even when your finances are in flux. In Mailbag, financial infidelity and kids paying for college.

Investing isn't hard, but that first step can be. But women are actually better investors than men. This week we're cutting the excuses with Kathleen Murphy, the President of Personal Investing at Fidelity Investments. Murphy breaks down how and why to start investing in your 20's, 30's, 40's, 50's, 60's and beyond. In Mailbag, questions on gift cards, how long to save paperwork for taxes and whether millennials need life insurance.

If you, your adult kids or your friends are single and looking, it may be time to run the numbers. "Date-onomics" author Jon Birger says the "man deficit" is a real thing, but there are ways to increase your odds, and we've got 'em. In mailbag, finding the right financial planner, and paying your mortgage with a points-earning credit card.

Do you feel like your business idea is an impossible dream? It doesn't have to be. Kathryn Finney, founder and managing director of digitalundivided, a social enterprise that supports women of color entrepreneurs, shares her advice for how to start and grow a business. In Mailbag, we talk risk tolerance for saving for a home and for retirement, and how freelancers can save.

Remote work. Digital nomads. Fun office spaces. Jennifer Berrent, Chief Culture Officer at WeWork takes us through how she creates a culture and work space that reflects the needs of a dynamic workforce in it, and how you can do the same. In Mailbag, we talk paying off credit cards and emergency funds.

In this Mailbag-only episode, we cover teaching kids about money, saving for college, life insurance, online wills, splitting the dishes in divorce, HSAs, tax deductions for home offices and more.

Work-life wellness expert Samantha Ettus offers strategies for letting go of guilt, and for releasing your inner badass. In Mailbag, we talk about allowances for kids, how much to start investing, and how to get a raise.

Tiffany Aliche, "The Budgetnista," is famous for saving $40,000 in two years on a $35,000 salary, and she used that money to buy a house and secure her own financial future. Now she's helping others do the same. In Mailbag, who pays for a wedding, spouses who hide debt, and the best budgeting apps.

"Spend less, save more." That's always an important goal, but next year, with interest rates inching up, it's more important than it has been in a while. Liz Weston, who literally wrote the book on how to get your credit score into tip-top shape, is here to help us do just that. We also discuss how to hire a financial planner and how to maximize your Social Security. In Mailbag, we talk negotiating a tax payment plan with the IRS.

Women are better investors than men. This week we tell you why and share secrets for investing success, courtesy Dr. Daniel Crosby, psychologist and bestselling author of "The Laws of Wealth." In Mailbag, we talk HSAs and credit counseling services.

Are you feeling frantic this holiday season? Do you feel like you spend way too much time trying to be perfect at everything you do, only to disappoint the ones you love — and yourself? "Present Over Perfect" author Shauna Niequist joins us to discuss. In Mailbag, where to put money when saving for a home, and the best insurance for you and your family.

Millennials have had it rough, with a recession and a mountain of student debt, but it's time they got their financial acts in gear. Financial expert Stefanie O'Connell shares how to do just that, and how she lived on $225 a week. In Mailbag, how to add a second credit card to your wallet and Roth 401(k)s.

Kelly Peeler, CEO and founder of NextGenVest (a company that hooks incoming students up with money mentors) breaks down the process of applying for student aid, choosing a college and even the question of whether you can negotiate for more money from a school you really want to attend. We also talk FAFSA, and the best credit cards for students.

Money-saving tips and tricks for the holiday season, with consumer psychologist Kit Yarrow. A rundown on “bargain brain” and the allure (and danger) of the outlet mall. Plus, best times for you to shop for pretty much everything on your list. In Mailbag, how to safely close credit cards you’re not using, and paying down student debt.

Barbara Corcoran, real estate mogul and “Shark Tank” investor, parlayed a $1,000 loan from a friend into a $5 billion empire. This week, she tells us how to push forward to succeed, even when you’re at your most afraid. In Mailbag, we talk supplementing your income during maternity leave and where to put extra money once you meet your 401(k) cap.

Are you happy with your job? Or do you feel like you're wasting time in the wrong career — but don't know what your next move would be anyway? Career coach Maggie Mistal has tactical advice for how you can switch it up while simultaneously increasing your take-home pay. And if you're looking to get back into the workforce, Cheryl Casone, author of "The Comeback," shares her advice. In Mailbag, advice for rolling over your retirement plan and how to buy a house if your credit is sub-par.

A look at how credit card points and airline miles can help you jet set around the world for next to nothing, and a chat about the power of positivity with Daryn Kagan, author of "Hope Possible," and Trent Swanson, a frequent flyer mile hobbyist. In Mailbag, we talk long-term care insurance and checking your credit score.

Work because you want to, not because you have to. Radio host, columnist and my friend Clark Howard shares everyday hacks that can turn into big payoffs. And if you have some credit card debt you’d like to zap away, Lauren Greutman, author of the book “The Recovering Spender,” shares how she broke her spending addiction and dug out of $40,000 in credit card debt. In Mailbag, a look at where to put your retirement contributions.

What’s it like to be in business with your best friend? Ann Friedman, co-host of podcast Call Your Girlfriend, joins us to discuss how best to negotiate your salary and shopping while buzzed. In Mailbag, we talk about saving for retirement without a 401(k), and what to do with extra money once you finally pay off your credit card debt.

Do you make your financial decisions based on fear? Stress? Guilt? Impulse?We dig into a better way to go about it with best-selling author Suzy Welch, including tips on how to stand up and face your financial fears. Then we sit down with Bobbi Rebell, author of the new book "How To Be A Financial Grownup."

A special episode from FinCon, featuring money bloggers Sarah Li Cain of High Fiving Dollars and Chelsea Fagan of The Financial Diet. Both get candid about their once rocky relationships with money — one involving a selfish boyfriend and the other an arrest — and how they turned them around. In Mailbag, we tackle money bloggers’ financial confessions.

Your house is not just where you lay your head — it’s a pricey (and important) line item on your budget. Angie Hicks, founder of Angie’s List, fills us in on how not to get ripped off on home repairs. We’re also joined by PwC real estate expert Mitch Roschelle to talk about buying and selling smart. In Mailbag, we tackle marriage in retirement, and Roth 401(k)s.

168 hours. That’s how many each of us have in a single week. So how come it seems that some women seem to get it all done, no sweat, while others struggle to pack it all in? The brilliant Laura Vanderkam has some solutions — including how you can be the boss of your schedule (and your technology) rather than the other way around. In Mailbag, we talk spending tracking apps.

Would you tell a friend what you get paid? Would you do it if you knew it would help her get paid fairly? Meredith Rollins, editor in chief of Redbook magazine has done it — and she says we all should follow suit. In Mailbag, we talk incentive credit cards and refinancing student loans.

Student loans, credit card debt, retirement, oh my! This week we decided to devote the entire episode to answering your questions. How to finance graduate school? What’s the fastest and cheapest way to pay off $30,000 of credit card debt? Annuities in retirement — yea or nay?

If you want the next half of your life to be just as good as the first, then you've got to get a grip on these three things, says Jo Ann Jenkins, the new CEO of AARP. We talk about how to reimagine the life you're living now to put yourself on a healthier, wealthier and more self-satisfied track. Then "Behavior Gap" author Carl Richards explains why he believes you should wait 72 hours before buying pretty much anything.

Carly Zakin and Danielle Weisberg started theSkimm — the daily email newsletter that millions of women start their morning with — by floating it on their credit cards. It wasn’t until this year that they dug their way out of debt. How did they do it, and what’s their best advice for women entrepreneurs? In Mailbag, we talk about when you may need a financial planner and how to transfer balances on your credit cards for less.

Social media expert Randi Zuckerberg helps untangle our wired lives, showing ways to use tech to hack your daily tasks and even bring the family closer together. In Mailbag, we discuss starting a business and how to find the best interest rates on your savings. We wrap things up with "Smart Mom, Rich Mom" author Kimberly Palmer, with tips for raising money-smart kids.

Sarah Newcomb, the author of the book “Loaded,” figured she could solve all of her own money problems by getting tactical and practical, yet, she still struggled with her money. Eventually a course on money psychology set her straight. She offers her candid advice on a new way to frame the want vs. need dividing line. In Mailbag, we talk HSAs and money conflicts.

To paraphrase Sara Bareilles: We want to see you be brave managing your money. And who better to inspire us to get there than best-selling author and preeminent TED talker Dr. Brené Brown? Brené takes us on a deep dive into some of the other basic human emotions — like guilt and shame — and how they’re entangled in our money mindsets. In Mailbag, we discuss annuities and getting a will.

Tired of all the negative talk surrounding the word “midlife”? So was my friend and psychotherapist Dr. Robi Ludwig — so much so, she wrote a book about it: “Your Best Age Is Now.” If you’re regretting not doing what you always wanted to do, get over it and do it now! Robi tells us how. In Mailbag, we talk emergency funds, starting over after divorce, and we ask Kerry Cooper, CEO of Choose Energy, for savings tips so that your wallet doesn’t feel the heat this summer.

Tips on parenting and money from PureWow editor Jillian Quint. We take on sticky situations like splitting the check at a group dinner and talking with your parents about their retirement plans. And play along with us as we get down and dirty about when to save and when to splurge. Organic milk? Chicken? Car seats? And since so many of you have asked how to choose a financial planner, we decided to invite Liz Davidson of Financial Finesse to give us some expert advice.

Dr. Ben Sorensen, leadership trainer and executive coach, knows how women can learn to be more assertive at work and at home. I recently met him at a conference and wanted to share him with all of you. Ben and I teach you the right words to say to communicate more effectively –– without the backlash. Of course Kelly joins me to answer your financial questions, and in a very special Thrive segment this week, Alison Sweeney, you know her from “The Biggest Loser” and “Days of our Lives,” shares her distressing story of identify theft and how her fans saved her from more financial peril.

I am so proud to call Jane Bryant Quinn a friend as well as a mentor. You know her as a female pioneer and personal finance advocate, trusted by millions as a columnist for Newsweek, a reporter for CBS News and a prolific author, but to me, she is an inspiration. This week we dig in and get granular about the biggest financial fear going: Outliving your money. Jane explains simple strategies that’ll get you there, and why “right-sizing” your life now –– not later –– can be key.

“I lost my job, I lost my breasts, I lost my hair and I found myself.” That’s Rene Syler, former anchor for CBS News’ The Early Show, on HerMoney explaining what happened in a tumultuous two years of her life. In this week’s episode, Rene candidly shares with us her transition from network news to entrepreneur, author and host of her new web series “The Good Enough Mother.” We talk about why it’s powerful to own our truth rather than sugarcoat it. “I got fired, fired, fired, fired,” she says. We also dish on why women like us care so much about our hair.

Candid. If I had to pick one word to describe Jennifer Weiner, author of “Good in Bed,” “In Her Shoes” and so many other great reads, I’d pick that one. Though, smart, funny and fearless also come to mind. I knew I wanted her on the podcast the minute I read her frank essay about the fact that she and her new husband are polar opposites financially. We had a fun and very frank conversation about negotiating money, particularly in a second marriage, how she worries about raising two young daughters to respect money and why she waited to have a million dollars in the bank before she had her kids.

Dave Ramsey asks, “Will The 50-Year-Old You Be Mad At The 25-Year-Old You?” This week I traveled to Nashville to sit down with financial powerhouse Ramsey and his daughter Rachel Cruze. We talk about how the baby steps to take control of our own financial lives haven’t changed in the 25 years Dave and I have been doing this – and how they have. In particular, we dive into the impact social media is having on our spending and saving (not always for the good) and how you can raise financially savvy kids like Rachel, who, by the way, has a new book coming out soon called, “Love Your Life, Not Theirs.”

In this episode, I fill you in on how I found over $1,000 in missing money (my own, embarrassingly) and how you can do the same. And, I get the down and dirty on GRIT and how the power of “Guts, Resilience, Initiative and Tenacity” can take you from ordinary to extraordinary. Advertising aces Linda Kaplan Thaler and Robin Koval, authors of a great new book on the subject, share how two girls from the Bronx with no special advantages, rose through the male-dominated, cutthroat world of advertising to run their own booming ad firm.

Tell your children how much money you make! That’s what Ron Lieber, NYT best-selling author, personal finance columnist and father says to do if you want to raise kids who are grounded, giving and smart about money. Get paid for chores? No! Have a say in how the family gives to charity? Yes! We also talk about why expectations for girls are still different than those for boys and how to change that. In Mailbag, we talk about creating savings habits for life, and what to do if you have too many high interest credit cards.

We all know Jillian Michaels is an expert at getting people motivated to change their lives, but she struggles with a work/home balance just like the rest of us. Jill admits money is an uncomfortable topic for her, but she sees psychological parallels in building strong fitness and financial habits. As she heads toward the altar with her partner of many years, we get personal with advice about setting up a financial life that works. I also answer your financial questions about helping new college grads get off on the right financial foot and how women may be better at multitasking than men, but it might actually stall our careers.

This week on HerMoney: Building your brand, honing your credit and Giada De Laurentiis. The Food Network star and restaurateur talks candidly about rising to the top in the male-dominated food world and how hard it’s been to be both heard and respected. She candidly talks about her life after a tough divorce and how she’s raising her 8-year-old daughter to know and respect the value of money. And since we are all essentially “brands” these days, she shares advice about how she honed hers and how you can and should do the same. We also dive into why it’s so hugely important for women to have strong credit in our own names (and how to build it if you don’t have it).

Sex. Money. Power. Joanna Coles, the editor-in-chief of Cosmopolitan, is very much in tune with the voice of her magazine. She is comfortable talking about anything. And this week nothing is off the table. She speaks candidly with me about how money can be the greatest stress in a relationship, why women need to reasonably know their worth in negotiations and how earning more makes women feel empowered. We also discuss sexuality in the workplace and how social media is impacting our culture for better and worse. We’ll answer your financial questions about credit limits, how best to pay for continuing education and if your recent graduate should hire a financial advisor.

They call her “The Chairwoman” on CNBC’s Fast Money, but hedge fund manager Karen Finerman also manages life at home including two sets of twins. Learning to balance work and life, Karen has come to a number of surprising conclusions – including her belief that working from home is “the worst.” She tells us why. Driven to make a lot of money since she was a teen, Karen talks bluntly about why women must be financially independent, and how many women get in the way of their own success. She also fills us in on how being risk-averse is a double-edged sword.

Arianna Huffington, one of the most influential women in the world, was falling apart at work because she was – literally – exhausted. This week she shares her inspirational wake-up call with us. Her book, The Sleep Revolution, is based on science-based secrets that can help us all sleep our way to success. Arianna says lack of sleep costs the U.S. economy $63 billion a year, and no surprise, it’s more of a problem for women! Of course, we all sleep more soundly when we are not worried about money, our family, our jobs or our relationships. But, Arianna says, we need to think of that problem in reverse. Being well rested is the key to regaining control.

It’s Criminal! I’m hooked on the hit podcast “Criminal”, so I am thrilled to have the show host and producers Phoebe Judge and Lauren Spohrer join me for this week’s episode of HerMoney. P and L proudly tell us how they had the courage to take a huge risk many women fear, using their own money to pursue their passion and start their own business. We talk about their struggle to juggle two jobs, recording at night after their day jobs in a closet full of clothes to save money (and because – surprise – the acoustics are great) and how it feels now that they are a huge success. We share advice about how they should visit their money, yes, visit their money, now that they have some, and why you should too.

More money won’t always make you more happy, but how you use and manage your money can. This week, Jean chats with happiness guru and best-selling author, Gretchen Rubin, and they explore how you may effectively build better habits for both. Hear about Gretchen’s Happiness Manifesto, the importance of knowing yourself before creating or changing habits and learn why you should make your bed every day.

Anyone who tells you women don’t need financial advice specifically for them is wrong. Women, whether they’re the caretakers, the breadwinners, or both, face a unique set of financial challenges. That’s where HerMoney comes in. In her frank, often funny, but always compassionate way, Jean Chatzky takes every audience of women through the steps they need to take today to live comfortably (and worry-free) tomorrow, offering the latest research, expert tips and personal advice.