New, sophisticated scams are popping up all the time. Experts explain how to safeguard your data and money from being exploited or stolen by fraudsters. This episode originally published on November 11, 2023.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Just because you're renting your home doesn't mean you can't make it your own. Three home décor experts share their tips to make your rental homey for the long term.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Dining out with a large group and not sure how to handle the check? In this episode, chef and food writer Kiki Aranita walks us through common dining scenarios to ensure the bill is handled fairly and smoothly.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Should you merge your finances with a significant other? Keep them separate? Or something in between? Financial therapist Lindsay Bryan Podvin breaks down different ways to handle your finances with a partner and how to keep communication open and honest no matter what financial plan you pick.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Ideas on how to have fun this summer without breaking the bank. Go on a "penny date." Throw a movie marathon party. Swap houses with a friend. With a little imagination, you can bring delight and joy — at a low cost — into your sunny days ahead. This episode originally published August 1, 2023.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

If a close friend or family member is in need of money, your first impulse might be to help out. But what if they don't pay you back? What if they need more than you can provide? How do you ensure your financial agreement doesn't harm your relationship? There are no hard and fast rules around lending money. Expectations may depend on culture, financial status or even your marital status. Advice on when to give — and how to say no.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

There are options beyond living solo or with roommates — and one of them is called 'communal living.' In this arrangement, people don't just simply live together, but share resources and create community. In this episode, co-living enthusiasts explain how it works and how to decide whether it's right for you.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

There are things we're supposed to do routinely for our health: brush our teeth, shower and exercise. There's a version of that for financial health too. We'll talk about those tasks — and go beyond the number-crunching to explore how our mental health affects our finances. This episode originally published August 15, 2023.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Tipping requests are on the rise. Businesses that never seemed to ask for a tip, like fast food joints, are now asking for one. Here's how to deal with unexpected requests and more.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Credit scores determine whether you can get a mortgage, credit card, auto loan and more. So if your score is subprime, how do you bump it up to above a 700? In this episode, find out how to read your credit report, navigate collections and negotiate payments.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

You don't need to be an expert to grow a nest egg. We'll cover how to build your portfolio, when to sell (or not sell) stocks and how to avoid fees.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Just about every major streaming service has raised its subscription fees. At the same time, there are more programming bundles, membership deals, ad-supported subscriptions and streaming services overall. NPR TV critic and media analyst Eric Deggans shares a streaming strategy to help you get the most bang for your buck.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Meeting a big financial goal can feel daunting and confusing. How do you make an effective plan when life gets in the way? Credit counselor and financial expert Monique White shares tips to help you buy a laptop, a car, or even a house.

The new year is a great time to update your budget, say financial experts. Here's what you can do to curb your spending, save for emergencies and keep your investments on track.

Happy New Year! If you want to make a resolution that sticks, the key to success is creating what's known as a SMART goal. This episode outlines how SMART goals work and how they can help you use your time for the things that matter most.

Not sure which cause to support or how much to give? Kevin Scally of Charity Navigator has some advice to help you make the right decisions.

Scams can happen to anyone. Experts explain how to safeguard your data and money from being exploited or stolen by fraudsters.

Prenuptial agreements lay out how couples deal with money both during marriage and after divorce. That includes whether you'll have a joint bank account or pay off your loans together. Here's what you should know — and how to start the conversation with your partner.

The three-year federal pause on student loans is expiring soon. If your financial circumstances have changed, or you just need an explanation of the many payment plans out there, here's a refresher course on how to pay off your student debt.

There are things we're supposed to do routinely for our health — brush our teeth, shower and exercise. There's a version of that for financial health, too. We'll talk about what those tasks are — and also go beyond the number crunching to talk about mental health and finances.

You don't need to spend a lot of money to have fun. Have you done a chocolate bar taste test? Hosted a themed hangout? Gone to a surprise movie night? Here are some ideas to help you save money and maximize entertainment.

It's time to get your MBA — the easy way. We're sharing an episode from Planet Money's Summer School. In this lesson: Everyone has a million dollar business idea (e.g., "Shazam but for movies"), but not everyone has what it takes to be an entrepreneur. You'll hear two case studies with founders who learned the hard way what goes into starting a small business and a biz school professor who chimes in to explain the fundamentals.

Buying a car can be intimidating. This episode will help you strategize to avoid all the potential pitfalls, so you can drive away with a good deal. This episode originally published February 18, 2020.

It's easy to feel stuck with the bank account you've had forever, even if it's inconvenient or racking up fees. But there are lots of options out there. We walk through four types of financial institutions and companies for a checking or savings account: big banks, credit unions, community banks and newer financial technology apps.

The Supreme Court has decided to strike down the Biden administration's plan to discharge some or all federal student loan debt. The decision impacts tens of millions of Americans – so what can student loan borrowers do to prepare now that the plan is over? NPR's education correspondent Cory Turner gives context and advice for borrowers.

Does your landlord have to fix that? Should you be worried about that clause in your lease? If you're one of the 35% of Americans renting your home, there's a lot you should know to protect yourself best. We'll discuss rental red flags, learn how to speak the language of landlords and how to decode a lease.

Groceries aren't cheap but there are ways beyond just looking for sales to make budget meals. To help cut down your grocery bill, we have practical tips for saving money on the food you cook at home.

A strong credit score can make major purchases and financial transactions much easier. Here's how to make yours better and keep it high. (This episode originally ran in November 2020.)

Longing to quit your job and follow your passion? Or perhaps take a break to travel? Or move to a new place? First, you'll need to look at your finances. In this episode, Jill Schlesinger, a certified financial planner and business analyst for CBS News, walks through her five steps for assessing your financial situation before a possible life change.

The time to file your taxes is approaching. For something that's legally required, taxes can be confusing to actually do. This guide explains when and how to hire a tax preparer, covers the latest credits and deductions — and helps you plan ahead for next year.

How much should you spend on a date? Who should pick up the bill? Can you talk money on the first date? Kristin Myers, editor-in-chief of The Balance, shares the results of a recent survey on finances and dating.

Got a side hustle and not sure how to handle your money? Financial coach Paco de Leon, author of 'Finance for the People: Getting a Grip on Your Finances,' explains why you should put your freelance funds into a separate bank account and how to prepare yourself for tax season.

It can be awkward to discuss money when you're in a new relationship. Financial therapist Amanda Clayman suggests following what she calls the "five components of financial intimacy" to get the conversation started.

A couple clashes about how much money they need to save before having children. This episode is from our friends This Is Uncomfortable's podcast series on fights about money.

The prices of goods and services have gone up. How much of that is due to Ukraine or the pandemic? What can our elected officials do to lower prices? And how does inflation slow down? NPR's Marielle Segarra and Stacey Vanek Smith tackle listener queries.

The idea that you can use your credit card to earn points for airfare, hotels and car rentals or offset grocery or gas bills might seem too good to be true. But people are doing it — and so can you.

Life Kit teams up with NPR Education to answer some common questions about student loan relief, including: What's the application process like? What loans qualify for debt relief? What if you have multiple loans?

About 60% of Americans have some money in the stock market — and the markets are not doing great. Your knee-jerk reaction might be to sell. But experts explain why that's not a good idea.

High inflation and a possible recession is making life more expensive. Washington Post personal finance columnist Michelle Singletary explains how to manage debt as interest rates increase and prepare for an economic downturn.

We're sharing an episode of CNN's personal finance podcast, Diversifying. Host Delyanne Barros explores the question: How does money make you feel? This episode centers on an all too common but under-discussed area of personal finance: money trauma. Learn how to overcome the anxiety and stress associated with money so you can start to make better financial decisions.

Having a baby is one of the biggest - and most expensive - life changes a person can experience. Here's what you need to know about financially planning for a baby, according to Farnoosh Torabi, Editor at Large CNET Money. Find out if there is a magic number that tells you you're ready, what to think about ahead of time and learn what can probably wait.

If the words "crypto," "Bitcoin," "blockchain," "mining," feel overwhelming or confusing Life Kit is here to help. In this episode, experts to demystify cryptocurrencies and give you the tools to decide whether buying some is a good option for you.

Making more money tends to lead to spending more money. It's a phenomenon known as "lifestyle creep." Paco de Leon, author of Finance for the People, shares advice on keeping your long term financial goals in check and fending off the subconscious urge to automatically increase spending when your income increases.

Car ownership can be intimidating - and expensive - especially when it comes to upkeep. In this episode of Life Kit, get expert guidance on how to spot and maintain essential safety features in a car, how to find the right mechanic for you and when it's time for a new car.

We could all stand to stretch our cash a little further right now. Life Kit teamed up with financial expert Tiffany Aliche, also known as the Budgetnista, for tips about how to separate needs from wants, stop stress-spending and save for the future.

Whether you want to save for a vacation or retirement, build generational wealth or split expenses with a partner, Life Kit answers your questions about personal finance.

It's tax season >. But don't worry, in this episode of Life Kit, CPA and tax analyst Kimberly Washington offers helpful advice on maximizing your refund, what deductions to remember and how the child tax credit impacts your tax filings this year.

Getting your finances in order can be intimidating, especially for freelancers, creatives, and side-giggers. Financial planner and artist Paco de Leon shares simple, holistic advice for tuning up your finances.

Money talks, but how do you make sure your money is sending the right message? Ethical investing isn't magic, but it's one way to try and put your money where your morals are. Here's what you need to know before you get started.

If you wince every time you open up your credit card app or feel stressed just thinking about personal finances, here's how to curb money avoidance and train your brain to face your money woes head-on.

Holiday gift exchanges can feel like a burden, especially if you're shopping on a budget. Here are tips from a shopping expert on how to give more thoughtful presents — without breaking the bank. (This episode originally aired in December 2020.)

It's time for holiday shopping — except this year, some consumers are making the deliberate choice to buy less to protect our environment. In this episode, writer Annaliese Griffin shares tips on online thrift shopping and giving meaningful secondhand gifts.

Even among the closest of friends, conversations about money and privilege can be awkward. In this episode from Life Kit and The Cut, author Otegha Uwagba discusses how we can break that ice — before it's time to split the check.

Whether you're paying down credit cards or saving for daily necessities, the best place to start is with a budget. Some simple tools can help. (This episode first ran in November 2019.)

Picking health insurance takes a lot of work. It's not a one-size-fits-all type of situation, and there are a lot of confusing terms that come up every year. You also need to consider your general health and finances. So how can you make sense of it all? That's where we come in. In this episode of Life Kit, we'll have experts guide you on where to look for coverage, how to narrow down plans — and how to get trustworthy help if you need it.

The five-day workweek can feel as preordained as the number of minutes in an hour, but it hasn't always been the norm. Workers fought for a Monday-to-Friday schedule before it became standard in the U.S. in the 1930s. Since then, the nature of work has changed a lot, and now, workers are once again fighting for better conditions, says U.K.-based researcher Will Stronge.In this episode, Stronge, who co-wrote the book Overtime: Why We Need a Shorter Working Week, discusses what's changed since the 30s and what a shorter workweek offers workers and organizations.

The Free Application for Federal Student Aid opens to potential college students to fill out on Oct. 1 for the 2022-2023 school year. Here's how to fill out the form to get money for college — and why you should apply now instead of waiting.

The pandemic upended work for millions of people. Now, more companies than ever are offering hybrid schedules, allowing employees to split their time between office and home. Working in a hybrid setup can be challenging as well as rewarding. Here are some steps you can take to ease the way.

It's easy to get into debt, but harder to get out of it — especially if you don't have a plan. This episode offers strategies to help you pay off debt.

Whether it's an apartment or a house, finding a place to rent can be taxing. It takes research, a disciplined budget and a strong sense of your priorities to find a place where you can feel like yourself.In this episode we're giving you the ultimate checklist of things to consider as you're looking for your next place to live, including a detailed list of questions to ask the property manager.

Talking about money can feel intimidating, even taboo. But it's also the key to fostering a closer connection with your partner. In this episode, financial therapist Amanda Clayman breaks down five crucial elements to a healthy financial relationship with your significant other.

Money can feel like a taboo topic in a lot of households, but talking about it regularly can take the awkwardness out of it.Kids see and do everything that we do, and that's true when it comes to money, says financial expert Jen Hemphill. In this episode, Hemphill shares her top tips for financial literacy for kids and families, including how to start those conversations and creating a healthy money mindset for everyone.

Investing is the most powerful way that we can save for retirement, college for our children and similar long-term goals. But if you're just getting started it can be hard to separate the good advice from the bad.In this episode, NPR Life Kit host Chris Arnold offers up a few tips for those who are just entering the world of investing.

It's never too early to start putting away money for retirement. In this episode, NPR's Chris Arnold decodes what you should know — from the types of retirement accounts to strategies for saving. (This episode originally published in October 2020.)

A strong credit score can make major purchases and financial transactions much easier. Here's how to make yours better and keep it high. (This episode originally ran in November 2020.)

We could all stand to stretch our cash a little further right now. Life Kit teamed up with financial expert Tiffany Aliche, also known as the Budgetnista, for tips about how to separate needs from wants, stop stress-spending and save for the future. (This episode originally published in September 2020.)

In a financial crisis, like when you lose your job or the country is in a recession, you have to answer some tough questions: what bills should you prioritize? Who should you turn to? Is it ok to ask for a loan? Michelle Singletary, personal finance expert and author of the new book, What To Do With Your Money When Crisis Hits, answers these questions and more.

Dietitian Shana Spence joins Life Kit to share her tips to making nutritious meals without spending more than necessary. (This episode originally ran in October 2020.)

Wealth isn't just cold, hard cash, says strategic investor Dr. Pamela Jolly. It's whatever you value — and that means generational wealth can take lots of forms. TK Dutes speaks with Dr. Jolly about how to get strategic about leaving a legacy.

Home prices have shot up in the last year. But with so many people eager to buy, the competition is stiff. If you're in the market to buy a home, this episode offers some advice for how to navigate this seemingly impossible market.

Buying a car is intimidating. This episode will help you strategize to avoid all the potential pitfalls, so you can drive away with a good deal. (This episode originally ran in Feb. 2020.)

Money isn't just about numbers. It's about emotions, too. Tiffany 'The Budgetnista' Aliche's new book unpacks the relationships we all have with finances so you can make the most of your cash.

Is unemployment taxed? What about stimulus checks? The pandemic has changed a lot when it comes to filing taxes. In this episode, we break down the filing process and tackle common COVID-19-related tax questions with a CPA.

Making money from a hobby takes a lot of work — and strategy. In this episode, host Ruth Tam gets some advice from independent business owners and financial experts about how to make it work.

A strong credit score can make major purchases and financial transactions much easier. Here's how to make yours better and keep it high.

Dietitian Shana Spence joins Life Kit to share her tips to making nutritious meals without spending more than you have to.

It's never too early to start putting away money for retirement. In this episode, NPR's Chris Arnold decodes what you should know — from the types of retirement accounts to strategies for saving.

We could all stand to stretch our cash a little further right now. Life Kit teamed up with financial expert Tiffany Aliche, also known as the Budgetnista, for tips about how to separate needs from your wants, stop stress spending and save for the future.

When COVID-19 began, the stock market fell off a cliff — leaving less experienced investors wondering, "should I sell to stop the pain!?" The answer, as it always is, was "NO!" The market has now come roaring back, and analysts are wondering, "Can it last, and should people sell stocks?" In this episode we talk to one of the best investors on the planet about the most successful approach to riding out stock market storms and beyond.

The student loan system is confusing. Sometimes it can seem designed to make borrowers fail. But if you know how to navigate it, you're more likely to save money in the long run.

If you're not good at saving money, it's not your fault: Humans are hard-wired to focus on the present. But there's a way to beat evolution and build for your future. This episode explains how to make saving automatic and painless.

It's easy to get into debt, but harder to get out of it — especially if you don't have a plan. This episode offers strategies to help you pay off debt

Whether you're paying off student loans or saving for daily necessities during COVID-19, the best place to start is with a budget. Some simple tools can help.

One in five Americans struggles with medical bills. The secret is that there's something you can do about it — you just have to know where to look and how to ask.

Returning to work during the COVID-19 pandemic? This episode helps workers understand their rights, including current rules about unemployment, safety concerns and underlying conditions.

Talking about death makes many of us uncomfortable, so we don't plan for it. But the reality is even a small amount of planning ensures our final wishes are honored — and makes it easier on our friends and family. This episode will help you get started on making a will and an advanced directive, even if you don't have a big estate.

It's easy to get caught in a cycle of mounting overdraft fees, credit card interest and high-cost loans. A few simple tools can help you hold onto those hard-earned dollars.

The CARES Act provides relief to many student loan borrowers during the coronavirus pandemic. But how do you know if you qualify? What if you're enrolled in Public Student Loan Forgiveness? What about private loans? This episode, a Life Kit collaboration with Death, Sex & Money from WNYC Studios, explains the fine print of how to handle students loans during coronavirus.

The coronavirus pandemic has caused vast economic disruptions. Millions of people are filing for unemployment, trying to pay rent and deferring loans. If you've lost work, here are some things you can do.

Staying at home means new challenges for your daily habits. This episode, we talk about budget tips and cooking hacks for your self-quarantine time.

Owning a home is part of the quintessential American dream, but how do you know if it's right for you? These 6 tips will help sort out the pros and cons to renting and owning — and reveal some things a rent vs buy calculator can't tell you.

Whether you're a pro at car buying or intimidated by the thought of stepping into a car dealership, there are always ways to play the car buying game better. This episode will help you strategize to avoid the potential pitfalls when it comes to getting a car loan, so you can drive away with a good deal.

It's hard to imagine a more boring (and dreaded) word than "mortgage." But if you know where to look, you might find a mortgage that will save you thousands of dollars a year or discover that you qualify for a loan when you didn't think you could.

Life seems full of ever-increasing piles of paperwork – bills to pay, appointments to make, school forms to sign, carpools to organize. Here's how to conquer all the responsibilities on your to-do list so you can get back to real life.

Don't let the sticker price of college paralyze you. This episode gives you smart saving strategies — including how to prioritize your own retirement savings, choosing a 529 plan and what financial aid offices really look at — so you can start saving for your child's college tuition.

One in 5 Americans struggles with medical bills. Here are things you do to get medical bills reduced — or even forgiven.

It is possible to get out of debt fast, but it's a gritty marathon to get to a better place. Here's how to keep up the momentum.

If you're in debt, you're not alone. Here's how to make a plan and get yourself out.

In this special episode, Sam Sanders of NPR's "It's Been A Minute" talks with financial journalist Hannah Seligson and Aminatou Sow from the podcast "Call Your Girlfriend" about why millennials are so financially intertwined with their parents.

Don't let college anxiety rush you into a financial mistake that could haunt you for years. This Life Kit episode lays out the do's and don'ts of paying for college so that you don't have to mortgage your future before you get there. Here's what to remember:- Consider attending community college before transferring to a more expensive four-year school.- Don't let a school's high price deter you — you may only have to pay a fraction of the advertised price.- The FAFSA form is the gatekeeper to most student financial aid, so don't put it off.- Find free money, from federal Pell Grants to college-based aid to scholarships for left-handed tuba players. - If you or your parents have to borrow beyond federal student lending limits, the degree might not be worth the debt.- Relax! You don't have to attend an elite school to be happy.

You've taken the leap and enrolled in college! But money issues don't end when you accept your financial aid. Paying your way through school can be stressful, but lots of folks have made it work and they have advice for how you, too, can navigate your years in college. Here's what to remember: - Find out what resources your college offers for students — you may have to do some digging.- It's OK to get a job, but try to find one that's related to what you want to do. - Make a budget. And don't miss out on that free food!- When being thrifty isn't enough and you have no more hours for a job, talk to the financial aid office about taking out small federal loans.- Don't be afraid to ask for help.- Take care of yourself. You've made it to college: You belong there!

Paying off student loans can be a financial nightmare. But if you know how to navigate the system, you can find a payment plan that's more affordable. Plus, if you qualify for loan forgiveness, you might get tens of thousands of dollars of debt wiped out. Here's what to remember:- Download a list of all your federal loans.- If you get an income-driven repayment plan, stay in it!- Don't trust your loan servicer. Do the research, find your payment plan and get it in writing.- Take a personal day or make a date with a friend to tackle student-loan paperwork.- Consider a full frontal assault on your loans to pay them down quickly.- Loan consolidation or refinancing might make sense for you, but might also lead to financial disaster.

If you use credit cards in a intentional way, you can free up some valuable perks. We geek out on strategies to make credit cards work for you.

Don't get caught in a cycle of unnecessary overdraft fees, credit card interest and high-cost loans. A few simple tools can help you hold onto those hard-earned dollars.Here's what to remember:- Automation is your friend. Set your bills on autopay. - Overdraft protection is deceptive. Link your checking account to a savings account to avoid overdraft fees.- Set up a buffer savings account with automatic deposits. - Don't use credit cards for emergency spending.- If you do have an emergency, try asking your employer for your already-earned wages. - Balance transfer checks can help with high-interest debt, but read the fine print.

To many, it's a dreaded task: making a budget to keep track of money. Guess what? You can do it, and we show you some tools that can help — maybe even make it fun. The founder of the popular budgeting software You Need A Budget tells us how to track your spending.Here's what to remember:- Don't budget just because you should: Set a goal.- Leverage anxiety from a life change and turn it into motivation.- Follow the 50-30-20 method.- Use the power of scarcity.- A roommate is worth 1,000 coffees.- Find the budgeting technique that works for you. Here's a worksheet to get you started: https://bit.ly/2umlqex.

We help you understand whether you need an adviser, and if you do want one, how to find someone who will act in your best interest.Here's what to remember:- Many people don't need to pay for financial advice.- Use a "fee-only" adviser, not a "fee-based" adviser.- Consider low-cost options like robo-advisers or Vanguard.- You might need to break up with your adviser — but you can still be friends. - Two online resources can help you find an adviser: NAPFA and Kent on Money.

Investing doesn't have to be hard. We explain how to grow a nice nest egg and avoid that four-letter word that starts with F ... fees. Here's what to remember:- Don't pick your own stocks. - Don't sell stocks if the market crashes.- Diversify your portfolio. - Don't pay too much in fees.- Invest in index funds, not actively managed funds.- Rebalance your portfolio every year — then leave it alone.

If you're not good at saving money, it's not your fault: Humans are hard-wired to focus on the present. But there's a way to beat evolution and build for your future. Here's what to remember: - Make savings automatic.- Save, even if you have student loans.- Participate in your employer's matching plan.- Reward yourself for saving.- Envision your future self.- Start saving young.