HerMoney with Jean Chatzky

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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). Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

"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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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." Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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? Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Learn more about your ad choices. Visit megaphone.fm/adchoices