HerMoney with Jean Chatzky

Markets have been rocky—and if you’re feeling a little uneasy about where your money is sitting right now, you’re not alone. That’s exactly why we’re turning our attention to a strategy that’s all about dependable income and peace of mind: dividend investing. This week, we’re sitting down with Jenny Van Leeuwen Harrington, CEO of Gilman Hill Asset Management and author of Dividend Investing: Dependable Income to Navigate All Market Environments. Whether you're nearing retirement or just want to sleep better at night, this episode breaks down how you can build a dividend-focused portfolio tailored to your life and your risk tolerance. Resources & Links Mentioned: 📍 Learn more about Jenny Harrington 📍 Support the Council for Economic Education Looking for more financial confidence? 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! Our next 4-week session starts April 2nd, use code WHM for a $100 discount. 📈 InvestingFixx – A club for women ready to grow their wealth. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re not going to sugarcoat it, it’s been a brutal few days on Wall Street. Markets are reeling. Investors are spooked. And if you’ve peeked at your 401(k) with one eye open while sipping a very large glass of wine...you’re not alone. That’s why we asked Karen Finerman, co-founder of our InvestingFixx club, to join us to break down what this market chaos really means, how long it might last, and what you should (and shouldn’t) be doing with your money right now. 📊 Want more financial confidence? Join Jean and Karen at InvestingFixx.com. Our investing club for women meets next on April 14 at 8 PM ET, and your first month is free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Are financial advisors worth the cost? How do you know when it's time to switch from DIY investing? What exactly should an advisor be doing for you? In this special Mailbag episode, Pam Krueger, CEO of WealthRamp, answers all your biggest questions about working with a financial advisor. Plus, we tackle the #1 retirement fear—running out of money—and explain how to stress-test your finances to stay on track. Mailbag Questions: [02:00] “When is it time to move from a robo-advisor to a real human?” [07:00] “Can someone call themselves a fiduciary but still earn commissions?” [9:30] “I only have $100k saved. Will a financial advisor work with me?” [12:00] “Should my advisor help with budgeting, insurance, and college planning—or just investments?” [15:00] “How can I make sure my retirement savings last a lifetime?” Looking for more financial confidence? 🚀 FinanceFixx – Our 4-week or 8-week coaching program to get your finances on track! 📈 InvestingFixx – A club for women ready to grow their wealth Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Finding a trustworthy financial advisor can feel overwhelming, but it doesn’t have to be. Today, we’re joined by Pam Krueger, an investor advocate and the founder of Wealthramp, a referral service that connects consumers with vetted, fee-only fiduciary advisors, to break down how to find the right advisor for your financial goals. We dive into the biggest red flags to watch for, the difference between fee-only and commission-based advisors, and how to take control of your money with confidence. Resources & Links Mentioned: Connected with a vetted, fee-only financial advisor here. Learn more about Pam and Wealthramp. Looking for more financial confidence? 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! Our next 4-week session starts April 2nd, use code WHM for a $100 discount. 📈 InvestingFixx – A club for women ready to grow their wealth. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s Mailbag, we're diving into your burning AI questions with Celia Quillian, author of AI for Life: 100+ Ways to Use Artificial Intelligence to Make Your Life Easier, More Productive…and More Fun! Whether you're navigating a career shift, streamlining home maintenance tasks, or planning a road trip, Celia shares how you can use AI to make your life easier. Mailbag Questions: [02:00] “Can AI help me with a career pivot post-layoff?” [06:00] “How can I use AI to keep track of things I need to get done around the house?” [10:00] “What are the best free AI courses for beginners?” [11:00] “Can AI help me plan a bucket list road trip?” Looking for more financial confidence? 🚀 FinanceFixx – Our 4-week or 8-week coaching program to get your finances on track! 📈 InvestingFixx – A club for women ready to grow their wealth Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Artificial intelligence is here to stay, and instead of fearing it, we should learn how to make it work for us. Celia Quillian is an AI expert and author of the new book, AI for Life: 100+ Ways to Use Artificial Intelligence to Make Your Life Easier, More Productive…and More Fun! She’s joining us to break down how generative AI can help us boost productivity, negotiate raises, manage our finances, and even help book our next vacation. Resources & Links Mentioned: Find Celia on TikTok here. Article on AI Tools and Environmental Impact Looking for more financial confidence? 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! Our next 4-week session starts April 2nd, use code WHM for a $100 discount. 📈 InvestingFixx – A club for women ready to grow their wealth. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

We're back with Ramit Sethi, bestselling author of Money for Couples, for a special Mailbag episode! You asked, and we’re diving into your biggest questions on love, money, and financial decision-making as a team. From when to return to work to navigating financial resentment in a marriage, Ramit shares his expert insights (with a dose of tough love) on how to approach these tricky conversations. Mailbag Questions: [01:00] “Should my inheritance fund my husband's early retirement?” [07:00] “Should I go back to school for my dream job—even if it means taking on more debt?” [13:00] “How do we raise financially responsible kids when we can afford to give them everything?” Looking for more financial confidence? 🚀 FinanceFixx – Our 4-week or 8-week coaching program to get your finances on track! 📈 InvestingFixx – A club for women ready to grow their wealth Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Money and relationships — it’s complicated. But what if those tough conversations with your partner could actually bring you closer? In this episode, Jean Chatzky sits down with personal finance expert and bestselling author Ramit Sethi to talk about how couples can stop fighting about money and start building their rich life together. Resources & Links Mentioned: 📚 Buy Ramit's Book: Money For Couples 🎙️ Listen to Ramit’s podcast: Money for Couples 📑 Download Ramit’s Conscious Spending Plan Looking for more financial confidence? 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! Our next 4-week session starts April 2nd, use code WHM for a $100 discount. 📈 InvestingFixx – A club for women ready to grow their wealth. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Scrambled, poached, or over-easy — Americans love their eggs. But lately, buying a carton at the grocery store has been an exercise in sticker shock. Why have egg prices skyrocketed? What role does bird flu play? And is relief on the way? In this episode, Jean sits down with Jadrian Wooten, Associate Professor of Economics at Virginia Tech, and Phil Lempert, the Supermarket Guru, to crack open the real reasons behind soaring egg prices. They break down supply chain disruptions, grocery store pricing strategies, and what this all means for your wallet. 📚 Resources & Links Mentioned: 🔹 Jadrian’s article about why egg prices have outpaced chicken. 🔹 Phil’s writing about planning for the bird flu epidemic. Looking for more financial confidence? 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! Our next 4-week session starts April 2nd, use code WHM for a $100 discount. 📈 InvestingFixx – A club for women ready to grow their wealth. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

The markets are swinging. Inflation is making headlines. And President Trump just imposed tariffs on steel and aluminum. So… are we heading for a recession? And if we are, what does that mean for your wallet? On this special episode, we sit down with economist Kathryn Edwards to break down what’s really happening in the economy. Kathryn explains what a recession is, why economic indicators have so many people on edge, and how new trade policies could impact our financial future. Looking for more financial confidence? 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! Our next 4-week session starts April 2nd, use code WHM for a $100 discount. 📈 InvestingFixx – A club for women ready to grow their wealth. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you ever wish you could be more confident, less anxious, or just a little more you, only better? Today we’re joined by Olga Khazan, staff writer at The Atlantic and author of Me, But Better: The Science and Promise of Personality Change. Olga shares what she learned during a year-long experiment in tweaking her habits, mindset, and daily routines — and what actually works when it comes to personal growth. Plus, it’s Sleep Awareness Week! So in today’s Mailbag, we’re diving into one of the most overlooked factors in financial success, quality sleep. Joining us to tackle your questions is Luke Kelly, CEO of Bryte, a company at the forefront of sleep technology. Use code HERMONEY at bryte.com for $500 off the Bryte Balance model and $750 off the Bryte Balance Pro and Pro Conform. 📚 Resources & Links Mentioned: 🔹 Olga’s article on how having a baby changed her personality 🔹 Ellen Cushing’s viral piece on why Americans aren’t going to parties 🔹 Nathan Hudson’s research on personality shifts Looking for more financial confidence? 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! Our next 4-week session starts April 2nd, use code WHM for a $100 discount. 📈 InvestingFixx – A club for women ready to grow their wealth. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you climbing the wrong ladder? Feeling stuck in a job that looks great on paper but drains your soul? In this Mailbag episode, Jean Chatzky and executive coach Keren Eldad tackle your biggest career and ambition dilemmas—whether you're burnt out in your 30s, reentering the workforce in your 40s, or wondering what’s next at 55. Mailbag Questions: [01:00] “I Did Everything Right… So Why Am I Miserable?” [05:30] “Am I Too Late to Catch Up?” [10:00] “I’m 55, Bored, and Not Ready to Retire” [14:30] “How Do I Avoid a Life of Regret?” Looking for more financial confidence? 🚀 FinanceFixx – Our 4-week or 8-week coaching program to get your finances on track! 📈 InvestingFixx – A club for women ready to grow their wealth Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you constantly chasing the next big achievement, but still feeling unfulfilled? You’re not alone. This week, we’re diving into the concept of empty ambition—that relentless pursuit of success that often leaves high achievers burnt out, anxious, and wondering, “Is this all there is?” Our guest, Keren Eldad, executive coach, TEDx speaker, and the author of Gilded: Breaking Free from the Cage of Ambition, Perfectionism, and the Relentless Pursuit of More joins us to unpack why so many high-achieving women get stuck in a cycle of perfectionism, people-pleasing, and loss aversion — and how to break free. 🎭 Must-Watch TV Shows That Explore These Themes: The Marvelous Mrs. Maisel – Watch how ambition and reinvention play out in this award-winning comedy. Jersey Boys – A story about success, music, and the real meaning of ambition. Colin from Accounts – Australian comedy with heart and humor. Matlock – Because sometimes, we just need great TV starring Kathy Bates. Looking for more financial confidence? 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! Use code WHM for a $100 discount. 📈 InvestingFixx – A club for women ready to grow their wealth. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

What does it truly mean to live a wealthy life? If you think it’s all about money, think again. On the most recent episode of Your Money Map, our weekly show with the Alliance for Lifetime Income, we sit down with Sahil Bloom, entrepreneur, writer, and author of The Five Types of Wealth, to explore a new, holistic approach to wealth-building. Sahil shares his personal journey of redefining success and explains why financial wealth is just one piece of the puzzle. If you like this episode and want more, check out all of our Your Money Map episodes at protectedincome.org/your-money-map/ or tune in live every Wednesday at 12 PM ET on Facebook or LinkedIn. 👉 More from Sahil Bloom: Follow him @SahilBloom on social media and grab his new book, The Five Types of Wealth, wherever books are sold. 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! Our next 4-week session starts March 6th, use code SAVENOW for a 15% discount. 📈 InvestingFixx – A club for women ready to grow their wealth. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

As we close out Black History Month, we wanted to shine a spotlight on one sector of the population we’re truly in awe of: Black female business owners. Although Black women make up less than 10% of the U.S. population, they’ve emerged as the fastest-growing group of entrepreneurs in the country. Today we’re joined by Tiffany Dufu, president of the Tory Burch Foundation and author of Drop the Ball, to discuss what’s fueling the rise of Black women-owned businesses, the biggest hurdles they face, and how we can all use our purchasing power to support them. Looking for more financial confidence? 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! Our next 4-week session starts March 6th, use code SAVENOW for a 15% discount. 📈 InvestingFixx – A club for women ready to grow their wealth. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Bonds: They’re often known as the “boring” part of a portfolio, but they serve a critical purpose in helping investors manage risk and generate steady returns. And we have questions: With interest rates rising and the economy in flux, is now a good time to invest in bonds? How do inflation and the Federal Reserve’s decisions impact bond yields? And should you buy individual bonds or stick to bond funds? In this episode, we’re joined by Eric Jacobson, Director of Manager Research at Morningstar, to break down everything you need to know about bonds in 2025. We’re going back to basics — and by the end of this episode, you’ll know exactly how bonds should fit into your financial plan. Looking for more financial confidence? 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! Our next 4-week session starts March 6th, use code SAVENOW for a 15% discount. 📈 InvestingFixx – A club for women ready to grow their wealth Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week’s Mailbag, where we’re diving deep into all things grocery shopping, meal prep, and saving money on food! Ali Slagle, author of I Dream of Dinner (So You Don’t Have To) and writer of the 40 Ingredients Forever Substack joins us again to answer your questions about how to stretch your grocery dollars, make meal prep effortless, and cook delicious meals with just a few staples. Have you ever wondered how to shop smarter at the grocery store? Or how long past the "best by" date you can really eat that yogurt? We’ve got you covered. More From This Episode: 📚 Ali Slagle’s Book: I Dream of Dinner (So You Don’t Have To) 📖 Ali’s Substack: 40 Ingredients Forever 📑 New York Times Article on Expiration Dates: Read it here 💬 Join the HerMoney Facebook Community: Get support from like-minded women navigating personal finance, career, and life. Looking for more financial confidence? 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! Our next 4-week session starts March 6th, use code SAVENOW for a 15% discount. 📈 InvestingFixx – A club for women ready to grow their wealth Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever found yourself rushing to the store for a single missing ingredient, only to watch it go bad in your fridge after one use? You’re not alone. With grocery prices soaring, getting the most out of your food budget has never been more important. This week, we’re joined by Ali Slagle, New York Times contributor and author of 40 Ingredients Forever, to talk about the art of cooking smarter—not harder. Ali shares her philosophy on keeping a “capsule kitchen” with just 40 key ingredients that can be used in endless combinations. Resources & Links: 🔗 Ali Slagle’s Substack: 40 Ingredients Forever 🔗 Ali’s Cookbook: I Dream of Dinner (So You Don’t Have To) 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! 📈 InvestingFixx – A club for women ready to grow their wealth Have a Money Question? Send us your questions for our upcoming Mailbag segment at [email protected]. Like What You Hear? Rate and review us on Apple Podcasts, and be sure to subscribe so you never miss an episode! Learn more about your ad choices. Visit megaphone.fm/adchoices

If you've ever wondered how to navigate love, money, and relationships in today’s dating world, you’re not alone! 💕 In this HerMoney Mailbag, we’re bringing back Matchmaker Maria Avgitidis, CEO of Agape Match and author of Ask a Matchmaker, to answer your biggest dating and financial questions. From dating with an income gap to tackling prenups, managing retirement expectations, and knowing when to accept financial help from a partner—we’re getting into the nitty-gritty of love and money. More From This Episode: 📖 Preorder Maria’s Book: Ask a Matchmaker 💬 Join the private HerMoney Facebook Community: Get support from like-minded women navigating love, career, and money. 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! Our next 4-week session starts March 6th, use code SAVENOW for a 15% discount. 📈 InvestingFixx – A club for women ready to grow their wealth Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Valentine’s Day, HerMoney fam! If you’ve ever ventured into online dating, you know how tricky (and sometimes exhausting) it can be. But before you consider hiring a matchmaker with a hefty price tag, we’ve got you covered. This week, we sit down with Maria Avgitidis, aka Matchmaker Maria to talk about what really goes into finding “the one.” She’s a fourth-generation matchmaker, CEO of Agape Match, and author of Ask a Matchmaker: Matchmaker Maria’s No-Nonsense Guide To Finding Love. If you’re single and looking — or just fascinated by modern matchmaking — you won’t want to miss this one! In Mailbag, Jean and Kathryn answer listener questions about prenups, financial independence in marriage, and the best way to sell an engagement ring post-divorce. Resources & Links: 📖 Preorder Maria’s book: Ask a Matchmaker 🔗 Listen to Scott Rick talk about why he thinks couples should merge their money. Learn more about InvestingFixx, our women’s investing club where you can vote on stocks, build a model portfolio, and grow your financial knowledge. Take the next step in your financial journey with FinanceFixx, our money makeover program. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we’re diving deep into all of your questions about the financial challenges that come with perimenopause and menopause with the incredible Jill Herzig, Co-Founder and Chief Brand Officer of Midi Health. We’re tackling everything from career confidence in midlife to the real cost of hormone replacement therapy (HRT). If you caught our last episode, you know Jill is on a mission to make midlife healthcare more accessible — and today, she’s here to answer your questions and make you feel more confident in this next stage of your life. Resources mentioned in this episode: ✨ Midi Health – Get expert menopause care, wherever you are: joinmidi.com 🎧 Past Episode: The True Cost of Menopause: Your Health, Your Career & Your Wallet with Jill Herzig Learn more about InvestingFixx, our women’s investing club where you can vote on stocks, build a model portfolio, and grow your financial knowledge. Take the next step in your financial journey with FinanceFixx, our money makeover program. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Jean sits down with Jill Herzig, Chief Brand Officer and co-founder of Midi Health, to discuss how perimenopause and menopause impact women’s careers, finances, and overall well-being. We break down the financial burden of menopause — lost productivity, medical costs, and workplace struggles — and explore real solutions, from hormone therapy to lifestyle changes. And in Mailbag: Should you consolidate multiple retirement accounts or keep them separate? What’s the best way to get out of a timeshare without ruining your credit? And—if you forget about an old 401(k)—will anyone actually remind you it’s there? (Spoiler: Probably not!) 🔗 Resources & Links: Learn more about Midi Health Previous episode: What Happens to Your Brain During Menopause with Dr. Lisa Mosconi Learn more about InvestingFixx, our women’s investing club where you can vote on stocks, build a model portfolio, and grow your financial knowledge. Take the next step in your financial journey with FinanceFixx, our money makeover program. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

2025 is officially here, and with it comes a new administration in the White House, along with new economic policies that will impact you and your wallet. On the most recent episode of Your Money Map, our weekly show with the Alliance for Lifetime Income, we’re joined by Betsey Stevenson, University of Michigan Public Policy and Economics Professor and Former Chief Economist of the U.S. Department of Labor, to talk about what economic changes in the New Year could mean for retirees. If you like this episode and want more, check out all of our Your Money Map episodes at protectedincome.org/your-money-map/ or tune in live every Wednesday at 12 PM ET on Facebook or LinkedIn. Resources mentioned in this episode: Think Like An Economist Podcast Alliance for Lifetime Income: ProtectedIncome.org Learn more about InvestingFixx, our women’s investing club where you can vote on stocks, build a model portfolio, and grow your financial knowledge. Take the next step in your financial journey with FinanceFixx, our money makeover program. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we’re tackling the complexities of the insurance system with Jay Feinman, author of Delay, Deny, Defend: Why Insurance Companies Don’t Pay Claims and What You Can Do About It. We dive into the recent, shocking murder of UnitedHealthcare CEO Brian Thompson and how it brought our collective frustrations with the health insurance industry into sharp focus. And in Mailbag, Jean and Kathryn tackle a listener’s question about long-term care insurance. Is a whole-life policy with a long-term care rider the right choice, or is a standalone policy better? Resources Mentioned in the Episode: Jay Feinman’s book: Delay, Deny, Defend: Why Insurance Companies Don’t Pay Claims and What You Can Do About It. Websites like Consumer Reports and J.D. Power for rating insurance providers Healthcare.gov and state insurance marketplaces for comparing health plans Learn more about InvestingFixx, our women’s investing club where you can vote on stocks, build a model portfolio, and grow your financial knowledge. Take the next step in your financial journey with FinanceFixx, our money makeover program. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re diving into your FIRE questions with Shang Saavedra, author of Wealth is a Mindset and a trailblazer in the FIRE (Financial Independence, Retire Early) movement. Shang achieved financial independence at 32 and is here to help you tackle everything from early retirement to overcoming money trauma. We cover: How to plan for retirement when the timeline feels uncertain. The importance of viewing retirement not as an age, but as a state of mind. Strategies for dealing with money trauma and shifting from a scarcity to an abundance mindset. Advice for parents balancing their own savings with paying for their children’s college education. How to make retirement a reality if you’re working in a toxic environment and want to leave. Don’t forget to leave us a 5-star review on Apple Podcasts and subscribe to our newsletter at Hermoney.com/subscribe! Have a question for us? Write to us (or send us a voice note!) at [email protected]. Learn more about InvestingFixx, our women’s investing club where you can vote on stocks, build a model portfolio, and grow your financial knowledge. Take the next step in your financial journey with FinanceFixx, our money makeover program. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we’re diving deep into the world of Financial Independence Retire Early (FIRE) with Shang Saavedra, founder of Save My Cents and author of Wealth is a Mindset: Change Your Mind, Change Your Money. Shang achieved FIRE at just 32 years old, and she’s here to share the ups, downs, and lessons from her journey. And don’t miss our mailbag segment, where Jean tackles questions about bond funds, ETFs, and making the most of prepaid rewards cards. Resources Mentioned in This Episode: Shang Saavedra’s book: Wealth is a Mindset: Change Your Mind, Change Your Money Shang’s platform: Save My Cents HerMoney’s Finance Fix and Investing Fix programs: Learn More Article: Wall Street Journal on bonds Learn more about InvestingFixx, our women’s investing club where you can vote on stocks, build a model portfolio, and grow your financial knowledge. Take the next step in your financial journey with FinanceFixx, our money makeover program. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Jean Chatzky is joined by Karen Finerman, CEO of Metropolitan Capital Advisors, a CNBC Fast Money panelist, and co-founder of our InvestingFixx Club. Together, they reflect on the standout moments of 2024, take a deep dive into the forces shaping the markets in 2025, and offer insights into the year ahead. Whether you’re new to investing or a seasoned pro, this episode is packed with actionable advice, thoughtful analysis, and inspiration to help you navigate the markets with confidence in 2025. Learn more about InvestingFixx, our women’s investing club where you can vote on stocks, build a model portfolio, and grow your financial knowledge. Take the next step in your financial journey with FinanceFixx, our money makeover program. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s somehow the middle of January — which means if you’ve made your resolutions and you’re still sticking to them, congratulations are in order! You’ve made it past Quitters Day or the day when most people abandon their resolutions (it falls on the second Friday in January). But if you have fallen off of your financial resolutions, this is your sign to pick them back up. Because of his year, it’s time to get serious about building some financial stability, financial resiliency, and cultivate a healthier relationship with money. Matt Lundquist, a Columbia University-trained psychotherapist and founder of Tribeca Therapy digs into the root of our money issues and walks us through the steps we can take to improve our relationships with money once and for all. CHAPTERS: 00:00 Improving financial habits in the New Year 06:00 Common barriers to good financial behavior 18:00 Why people overspend and use money to address emotional voids 28:00 When to seek financial therapy 33:00 Mailbag Question 1: What’s the best way to invest in Bitcoin with a small amount of money? 40:00 Mailbag Question 2: How do I best support my parents in paying back my student loans? TAKEAWAYS: Many financial behaviors, such as avoiding credit card statements or overspending, are tied to deeper psychological patterns rather than a lack of financial knowledge. Tackling small financial disagreements early as a couple can help build a framework for handling larger financial challenges later. Finding the right therapist involves looking for someone experienced in discussing money-related emotions or asking targeted questions about their experience with this topic. Learn more about Jean Chatzky's multiweek Money Makeover program FinanceFixx here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, in honor of #DryJanuary, we’re bringing back this episode with Laura McKowen, author of We Are the Luckiest: The Surprising Magic of a Sober Life. We explore the evolving conversation around alcohol consumption, sobriety, and how they intersect with women’s lives, careers, and finances. Laura also shares her personal journey with alcohol addiction, recovery, and how sobriety improved her financial habits and overall life. CHAPTERS: 2:30: Alcohol and Culture: Why We Don’t Talk About It 8:00: A Turning Point: Laura’s Sobriety Journey 17:45: The Financial Cost of Drinking 26:00 Practical Tips for the Sober Curious Additional Resources: “Is That Drink Worth It To You?” By Susan Dominus This Naked Mind by Annie Grace Learn more about Jean Chatzky's multiweek Money Makeover program FinanceFixx here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to 2025! It’s a New Year and it’s also a Presidental transition year which means we’re all wondering where things may be headed this year economy-wise. A little trepidation is always expected anytime a new President is due to take office, but Americans are feeling especially uncertain about how President-elect Trump’s decisions may have a ripple effect on our personal economies. Kathryn Edwards, PhD Economist shares how the US economy is really doing and what it could mean for our wallets in 2025. CHAPTERS: 04:00 The lasting economic reverberations from the pandemic 06:00 Structural economic inequality in the U.S. 11:00 The economy’s cyclical nature 14:00 Advice for investors 17:00 The economic impact of tariffs 22:00 The childcare market failure TAKEAWAYS: The pandemic's impact has left a long-lasting imprint, contributing to current economic uncertainty. The challenges Americans face are rooted in decades of structural economic inequality dating back to the 1980s. Tariffs increase consumer costs and create unpredictable economic ripple effects. Learn more about Jean Chatzky's multiweek Money Makeover program FinanceFixx here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Is one of your New Year's resolutions to finally hire a financial advisor this year but unsure of where to start? We hear you. That’s why we’re bringing back this special mailbag episode with Pam Krueger, founder and CEO of WealthRamp, to tackle all your burning questions about financial advisors. From finding a fiduciary you can trust to navigating minimum asset requirements, we’ve got you covered. CHAPTERS: 02:00 Key questions to ask a financial advisor 07:00 Advisors and tax professionals: building a team 14:00 How often should you meet with your financial advisor? 22:00 Advisors who specialize in FIRE Additional Resources: Check out WealthRamp to get matched with a vetted fiduciary advisor. Explore the XY Planning Network for advisors who work with younger clients. Learn about the Association of African American Financial Advisors here. Learn more about Jean Chatzky's multiweek Money Makeover program FinanceFixx here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we’re diving headfirst into a question that has sparked both inspiration and existential angst for centuries: Finding your purpose. It’s a daunting idea, isn’t it? Purpose can feel abstract, elusive, and ever-shifting — something we’re constantly chasing but rarely confident we’ve fully grasped. Dr. Jordan Grumet, author of The Purpose Code: How to Unlock Meaning, Maximize Happiness, and Leave a Lasting Legacy has answers — and thankfully they’re not as complicated as you might think. CHAPTERS: 00:00 The evolving nature of purpose 04:00 The difference between meaning and purpose 07:00 Little p and Big P Purpose 22:00 Finding purpose using the magic of subtraction 33:00 Mailbag Question 1: Retirement benchmarks vs. life priorities 41:00 Mailbag Question 2: Rebalancing portfolios near retirement TAKEAWAYS: Purpose is created through meaningful actions. Rather than chasing lofty, big-picture goals, you should engage in daily activities that bring joy and fulfillment. Leverage all available tools—time, energy, community, and passions—to build a life filled with meaning. Learn more about Jean Chatzky's multiweek Money Makeover program FinanceFixx here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we’re bringing back our episode with Melissa Bernstein, co-founder of the renowned toy company Melissa & Doug, to discuss the critical importance of mental health. Melissa opens up about her decades-long battle with anxiety, depression, and existential despair, sharing how she learned to channel her struggles into light and creativity. We explore why so many women feel isolated, the power of self-acceptance, and how to build authentic relationships. Learn more about Jean Chatzky's multiweek Money Makeover program FinanceFixx here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

This holiday season has been….stressful. And if it feels like you’re feeling more holiday stress this year than your male partner, you probably are. A 2023 poll from Yahoo News and YouGov found that 43% of women said their level of stress and anxiety increases during the holidays (compared to 32% of men). Resiliency and stress expert Dr. Robyne Hanley-Dafoe shares her top tips for entering the New Year with less stress. Because when we’re less stressed we have more space to manage our needs (including our financial needs), and we can start planning for the future. CHAPTERS: 00:00 Why the holidays are so stressful 06:31 Redefining resiliency 9:01 The five pillars of resilience 20:31 A prescription for stress recovery 33:46 Mailbag Question 1: What is a safe harbor account? 36:01 Mailbag Question 2: I’m 60 years old. Should I convert my traditional IRA into a Roth IRA? TAKEAWAYS: Resilience is often misunderstood. It’s not just about being born with it but building it through lived experiences and relationships. Stress itself isn’t the enemy. It’s the overexposure to stress (distress) that harms us. Research suggests that swearing (when not directed at others) can improve pain tolerance. Learn more about Jean Chatzky's multiweek Money Makeover program FinanceFixx here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

Did you know we’re spending over 11% of our disposable income on food—the highest amount since 1991? It’s time to take control of our grocery bills and find joy in the kitchen. That’s why we’re revisiting one of our favorite episodes with New York Times food columnist Melissa Clark, author of Dinner in One, and over 40 other cookbooks. Melissa shares her genius tips for cutting down on time and effort in the kitchen while maximizing flavor. From one-pan wonders to her philosophy of simplifying recipes (and minimizing cleanup), she makes cooking accessible—even for those who think they’re too “lazy” to cook. Plus, Melissa talks about her must-have pantry staples, freezer essentials, and why she no longer keeps potatoes on hand. Learn more about Jean Chatzky's multiweek Money Makeover program FinanceFixx here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

As 2024 comes to a close, it’s time to take control of your money and set yourself up for an even better 2025. How to do it? We’ve got nine actionable steps from HerMoney CEO Jean Chatzky. From rebalancing your investment portfolio after a booming stock market year, to making sure your cash is earning its keep in high-yield savings accounts, we share how to optimize your money. Takeaways: Gains in tech stocks may have caused your asset allocation to shift, increasing risk. Rebalancing protects you if the market dips. Shop for high-yield savings accounts, CDs, or annuities with rates around 4-5% before rates drop further. Offset capital gains by selling underperforming investments. Learn more about Jean Chatzky's multiweek Money Makeover program FinanceFixx here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s a record-breaking year for holiday travel with AAA reporting that almost 120 million people will travel 50 miles or more to spend this holiday season with the people they love. If you’re one of those people traveling to spend to holidays with your parents or your partner's parents, may we suggest doing a little Swedish death cleaning while you’re there? No, it’s not as morbid as it sounds (and, if done right, it shouldn’t put a damper on your holiday spirit). Psychologist and Swedish death cleaning expert, Katarina Blom shares why Swedish death cleaning is a life-affirming experience and practical tips for getting started. CHAPTERS: 00:00 Holiday decluttering 06:00 Swedish death cleaning defined 9:00 How to start Swedish death cleaning 18:00 Setting a purpose for your home 30:01 Mailbag Question 1: I have multiple properties, which one should I pay off before I retire? 37:01 Mailbag Question 2: What are the implications of closing a credit card that my parents opened before I was 18? TAKEAWAYS: Swedish death cleaning is life-affirming and helps create space for what truly matters. Acknowledging our mortality can lead to a more fulfilling life. Consumerism often serves as an avoidance strategy for dealing with pain. Having open conversations about death can help relieve anxiety about the future. Finding purpose in your home is essential for a peaceful living environment. Learn more about Jean Chatzky's multiweek Money Makeover program FinanceFixx here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

The holidays are the perfect time to show gratitude to the people who make our lives easier, from housekeepers and hairstylists to restaurant servers and babysitters. But figuring out how much to tip — and how to fit it into our budgets — can feel overwhelming, especially with inflation making everything more expensive than it used to be. We’re bringing back this episode with Barbara Sloan, founder of Tipped Finance and author of Tipped: The Life-Changing Guide to Financial Freedom for Service Industry Professionals to discuss holiday tipping etiquette, budgeting strategies, and why tipping should feel good, not guilt-driven. Chapters: 00:00 Showing gratitude during the holidays 09:00 Common tipping questions and answers 16:00 The ethics of tipping 20:00 Financial advice for service workers Takeaways: Many tipping norms, such as $2-5 per night for hotel housekeeping, haven’t changed in decades. Tipping should feel good and be reserved for personalized services where workers directly enhance the experience. If finances are tight, reduce the number of luxury services you use rather than tipping less. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. 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! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. 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

Many of us spend decades saving for retirement. But what happens when it’s time to spend those hard-earned dollars…how do you make them last? On the most recent episode of Your Money Map, our bi-weekly show with the Alliance for Lifetime Income, we talk about all things decumulation with the pros — Christine Benz, Director of Personal Finance and Retirement Planning for Morningstar, and David Blanchett, Research Fellow with the Alliance for Lifetime Income Institute. If you like this episode and want more, check out all of our Your Money Map episodes at protectedincome.org/your-money-map/ or tune in live every other Wednesday at 12 PM ET on Facebook or LinkedIn. CHAPTERS: 00:00 Retirement worries 05:00 Why spending down our money in retirement can be so stressful 16:00 Redefining retirement as financial independence 25:00 Spending for maximum happiness TAKEAWAYS: Start by identifying your essential expenses and aligning them with guaranteed income like Social Security or annuities to cover the basics. Lifelong savers often struggle to spend their hard-earned money. To overcome this mindset, consider using strategies like “spending pots” for travel or hobbies, which allow you to enjoy your savings guilt-free. Adding guaranteed income (like annuities) to your retirement plan can provide peace of mind and allow you to spend more freely, knowing your essential needs are covered. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. 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! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. 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 charitable giving landscape in 2024 is a tricky one. Because the truth is, Americans have become less generous in the last few years. Vox has gone so far as to say we’re in the middle of a “generosity crisis,” and fewer than half of us now give to charity on an annual basis. So, how can we make sure our favorite nonprofits continue to thrive? And how can we know what type of donations and philanthropic efforts will have the most impact? Nancy Brown, CEO of the American Heart Association shares her top tips for smart charitable giving in 2024. CHAPTERS: 00:00 Charitable Giving Landscape in 2024 04:30 Women’s Heart Health 16:30 The Power of Small Donations and Volunteering 31:00 Mailbag Question 1: I have multiple HSAs, should I consolidate them now? 35:00 Mailbag Question 2: I have a variable annuity, how do I evaluate if it’s the best place to keep my money? TAKEAWAYS: Donor-advised funds (DAFs) are accounts that allow charitable contributions to grow tax-free, amplifying their impact over time. Automating your monthly giving offers nonprofits much-needed financial stability. Giving appreciated securities can save donors from paying capital gains tax while offering nonprofits the full value of the assets. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. 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! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. 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 inspiring throwback episode, we sit down with Kyle Taylor, founder of The Penny Hoarder, a personal finance blog turned multi-million-dollar media company. Kyle shares his journey from being $50,000 in debt to building a business he eventually sold for $100 million. We discuss how to identify and monetize side hustles, maintain financial accountability, and avoid burnout while growing a business. You may even come away ready to launch a business of your own! Takeaways: Creative side gigs can help you earn extra cash, including working as a beer auditor or a movie preview evaluator. "Financial Sunday" is a weekly check-in with your budget to help you stay on track and manage spending. Creating a financially transparent household can help your children understand that good financial habits require consistent effort. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. 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! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. 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 almost at the end of 2024, and many of us are looking to the New Year as a chance for a much-needed fresh start. Now is a great time to reflect on the past 12 months and set some big goals — financial and otherwise! — for the year to come. And if you’re looking for advice on how to get a new job, you aren’t alone. Erin McGoff, better known as “Advice with Erin” on TikTok shares her playbook on how to get a job in 2025. CHAPTERS: 00:00 Reflecting on 2024 and Setting Goals for 2025 07:00 How to Discuss Salary and Benefits in Job Interviews 16:00 Why Networking Trumps Resumes 20:00 When It’s Ok To Tell White Lies In Interviews 35:00 Mailbag Question 1: Should I Pay Off My Zero-Interest Credit Card With a HAMP Loan? 38:00 Mailbag Question 2: I need to liquidate $15,000 from one of my mutual fund accounts, which one should I choose? TAKEAWAYS: Functional resumes focusing on skills rather than chronological experience can be effective, particularly for midlife career changes. Use AI as a support tool, not a substitute, and edit outputs to maintain authenticity. If salary limits are fixed, leverage non-salary benefits, like PTO or flexible schedules, and ask about these areas during negotiations. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. 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! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. 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 question about retirement benchmarks, you know the ones: You want to aim to have one times your salary by age 30, three times by age 40, six times by age 50, eight times by age 60, and 10 times by the time you retire. These benchmarks are fabulous, but they're also not personal. Listener Tiffany joins us to ask how pensions, retiring early, and Social Security factor into these benchmarks. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. 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! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. 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 holidays are right around the corner, which means the holiday “shopping season” is now in full swing. And while we love scoring a good bargain on just about everything, we score the best deal when we just don’t buy the thing in the first place. Shira Gill, an expert on minimalism, intentional shopping, and living your values shares how to stop ourselves from buying the thing BEFORE we buy the thing, and how to get creative with gift-giving, with heartfelt items that will mean a heck of a lot more to the recipient than something shiny and expensive. CHAPTERS: 00:00 The allure of bargains 06:00 Minimalism and values-based decisions 13:00 Intentional gifting 26:00 Tips for a stress-free holiday season 34:00 Mailbag question 1: Retirement-Specific Book Recommendations 36:00 Mailbag question 2: Managing Credit Card Debt and Balance Transfers TAKEAWAYS: Minimalism is about clarifying what matters most and removing distractions to create time, space, and freedom. Unique, heartfelt gifts—like sharing skills, creating experiences, or consumable items—often resonate more than material possessions. Set a mission statement for the season. Identify what your family truly values, whether it’s a trip or simply quality time together and stick to it. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. 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! Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://incogni.com/hermoney. 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

Are you marking your calendars for Black Friday and Cyber Monday? So are we. It looks like shoppers are expected to spend more than ever this year — around $1,700 a person according to Deloitte. We thought it would be fun to bring our pals Jill Sirianni and Jen Smith, cohosts of the Frugal Friends podcast, and the new book: Buy What You Love Without Going Broke: Transform Your Spending and Get More of What Money Can’t Buy back on the show to answer all of your shopping questions. CHAPTERS: 00:00 Holiday Spending Trends and Impulse Control 06:14 Meaningful and Frugal Gift Ideas 10:12 Navigating Unexpected Costs and Community Support 16:02 Credit Card Use and Financial Boundaries TAKEAWAYS: Consider using last year's spending as a guide for this year's budget. Community support is crucial during unexpected financial hardships. Creative limitations can lead to better problem-solving and gift-giving. Don't rely on credit cards for holiday spending if you can't pay it off quickly. Thoughtful gifts can include experiences or personal items rather than material goods. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. 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. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://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

We’re so excited to reshare this episode with Leanne Brown, New York Times bestselling cookbook author of Good and Cheap: Eat Well on $4/Day ahead of Thanksgiving. We get into how it's possible to eat healthy while saving money and her favorite pantry and freezer winter recipes from everything toasts to hearty stews. Chapters: 00:00 Leanne Brown’s journey 06:19 “Good Enough” cooking 14:16 Favorite recipes and pantry essentials 20:01 Navigating rising grocery store prices Takeaways: Simplify meals by using fewer ingredients per recipe, such as canned tomatoes, beans, pasta, and hearty greens. Use leftovers creatively, such as repurposing them into “stuff on toast” or hearty salads. Reframe cooking as a personal and flexible activity rather than a chore. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. 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. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://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

Thanks to modern medicine, the average life expectancy has been on the rise for decades now, and women now have as much as a 15% chance of making it to their 100th birthday. So while our parents may have planned for closer to 20 years in retirement, we need to save and invest for closer to three or even four decades. Deb Whitman, Chief Public Policy Officer at AARP and author of “The Second Fifty” joins us to talk about how to prepare financially, and otherwise, for the second half of our lives. CHAPTERS: 00:00 What is the “second fifty”? 06:00 Why women need to financially prepare to live longer than men 13:00 Rethinking partial retirement and lifelong learning 23:00 Positive perspectives on aging 26:00 Mailbag Question 1: I’m about to inherit a significant amount of money, how should I invest it? 29:00 Mailbag Question 2: I’m 62, am I on track to retire and continue to travel the way I want to? TAKEAWAYS: With women potentially reaching an average life expectancy of 90+ years by 2039, we need to save for a longer retirement. This requires proactive financial planning. Midlife is a time of new opportunities rather than decline. Lifelong learning, career changes, and “encore careers” keep people engaged, purposeful, and financially prepared in midlife and beyond. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. 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. Use promo code HERMONEY at the link below to get an exclusive 60% off an annual plan at https://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

It’s clear there’s one thing HerMoney listeners can’t get enough of — retirement. There’s truly an endless amount to explore with this topic because whether you’re 65 or 25, we know the best time to start strategizing is NOW. And there’s one person that we turn to again and again for retirement advice, specifically when it comes to IRAs — Ed Slott. He's a CPA, a nationally recognized IRA distribution expert, and a best-selling author. This week, Ed was kind enough to join us again to tackle some questions from our community. CHAPTERS: 00:00 Understanding the complexity of IRAs 5:30 Why Roth conversions are so popular right now 9:30 Withdrawal strategies for retirement 13:30 Retirement options for small business owners 17:00 Choosing investments for your Roth IRA TAKEAWAYS: Roth conversions are up significantly this year Making Roth conversions is a smart move even in strong market years. When planning withdrawals, start with taxable accounts and wait on tax-advantaged accounts. Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. 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. 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 revisiting one of our most popular conversations with author and human performance expert Brad Stulberg, exploring what it means to achieve success without compromising your well-being or personal values. Brad explains how shifting from a traditional "if-then" mindset to a values-driven approach can help you find fulfillment, avoid burnout, and improve your life. Whether you’re aiming to make a career shift, reduce stress, or rethink your approach to investing, this conversation is packed with insights that will inspire you to find success on your own terms. Chapters: 00:00 Introduction 05:00 Shifting from Goal-Driven to Values-Driven Success 11:00 How To Identify Your Core Values 20:00 Rest vs. Action to Address Burnout Takeaways: By focusing on values rather than constant achievement, you’ll find deeper satisfaction and avoid the “hedonic treadmill” of always seeking more. Identify your core values by envisioning an ideal future self, reflecting on qualities you admire in others, and reconnect with the original motives behind your goals. Grounding success in values reduces stress and improves performance by fostering a state of "relaxed striving." Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. 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. 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 the future of remote work really look like? Recently, Amazon CEO Andy Jassy mandated that employees must return to the office 5 days a week. So did Elon Musk for employees of both Tesla and X, which made us wonder: Are our remote or hybrid roles going to go the way of the dodo sometime soon? Nick Bloom, Stanford Professor of Economics weighs in on what the future holds for remote work, and how to get ahead in a remote or hybrid position. CHAPTERS: 00:00 Introduction 07:00 The Future of Remote Work 17:30 Finding the Right Hybrid Work Balance 29:00 Advice for Employees Facing In-Person Mandates 44:00 Mailbag Question 1: What allocation is ideal between Roth and 401(k)? 50:00 Mailbag Question 2: I’m very risk-averse, have I saved enough to retire? TAKEAWAYS: Remote work can enhance concentration but may hinder innovation. Hybrid work models can lead to increased job satisfaction and lower turnover rates. Employees should align their work-from-home preferences with their team's schedule. Remote work does not necessarily impact promotion opportunities if managed well. The future of work will likely involve more technology to facilitate remote collaboration. Robert Half Report on Remote Work Trends and Statistics for 2024 Learn more about our Finance Fixx program here. Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com. 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