HerMoney with Jean Chatzky

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

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

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

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

Eleven years ago, Sheryl Sandberg’s “Lean In” hit the shelves and became an instant hit. Her feminist manifesto encouraged women to stop holding themselves back from working to reach positions of power and instead lean on other women’s experiences to help them. Now, many women are pushing back on the “lean in” approach that placed so much responsibility on individual women rather than the societal and economic structures around them. They’re also questioning if they really want to have it all in the first place. In her new book: “Fair Shake: Women And The Fight To Build A Just Economy,” Naomi Cahn and her coauthors explore why our “winner takes all” economy is the root cause of women’s continued economic inequality rather than our individual actions. She also talks solutions, starting with making deeper connections in our communities and reaching out to them for support when we need it. In Mailbag, we hear from a listener who’s feeling burned out in the healthcare field but knows her coworkers are already short-staffed and doesn't want to leave them in a bind, and Jean’s daughter Julia answers a listener's question on where to find friends that are as career-oriented as she is. Chapters: 00:00:00 - Introduction 00:03:12 - Interview with Naomi Khan 00:07:51 - Winner Take All Economy 00:10:18 - Intersection of Feminist Theory and Workplace Progress 00:14:43 - The Triple Bind Women Face in the Workplace 00:17:47 - Strategies for Women to Navigate Career Challenges 00:28:08 - Solutions to Combat the Winner-Take-All Economy 00:33:17 - Mailbag Segment Begins Takeaways: The gender wage gap remains a persistent issue, with women earning an average of 82% of what men earn. The winner-take-all economy, characterized by income inequality and a focus on individual financial success, holds women back in the workplace. Feminist theory is essential in addressing gender equity and dismantling the structures that perpetuate inequality. Systemic changes, such as increasing transparency, strengthening laws, and investing in individuals and communities, are necessary to build a just economy. More money news when you need it! Get the latest and greatest updates on all things investing, budgeting and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

A recent essay in the Wall Street Journal made the case that women are both happier — but also overall but sadder — in our daily lives than men are. Why? We’re juggling countless competing priorities on our never-ending to-do lists, including managing our jobs, wrangling our kids' schedules, and keeping up with everything at home. Betsey Stevenson, economist and professor at the University of Michigan, has conducted groundbreaking research in this field. She joins us to talk about why women’s happiness has been on the decline since the 1970s — despite so many great strides for women’s equality since then. And while we have her, we also do a mini-economic check-in for 2024. What’s really going on in America’s economy right now? Use the code "PODCAST" TO GET $100 OFF OF OUR FINANCEFIXX PROGRAM: https://hermoney.com/shop/product/financefixx-finance-coaching-program-by-jean-chatzky/ Takeaways: Women's happiness has been declining despite progress in women's equality. Women constantly make trade-offs and face challenges in balancing multiple responsibilities. Income is correlated with life satisfaction but not necessarily day-to-day happiness. Women should prioritize mental health and well-being to improve life satisfaction. Men also face their own crisis in a changing economy. The economy is experiencing unexpected trends, such as low unemployment and higher inflation. Chapters: 00:00:00 - Introduction and News Update 00:04:39 - Interview with Betsy Stevenson Begins 00:09:22 - Discussion on Women's Happiness and Economics 00:13:31 - Exploring Day-to-Day Happiness vs. Life Satisfaction 00:19:37 - Income, Well-being, and Gender Roles 00:27:32 - Economic Trends and the Role of Men and Women 00:34:48 - Current Economic Conditions and Future Outlook Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Navigating money issues with your family is hard. Navigating money issues with your family is even harder when you’re a first-generation American. First-generation children of immigrants face unique cultural and emotional barriers and often find themselves at the intersection of building a financial life for themselves and supporting their parents financially. Gigi Gonzalez found herself facing this dilemma when she got serious about her finances and realized the information she was reading didn’t align with her lived experience or her values. So, she started posting about it on TikTok. Eventually, she quit her job in finance to become a full-time content creator. She offers her best advice on what to do when your personal finance goals clash with your family's money expectations. In Mailbag, we talk about the best investment options for a young kid, and a listener who doesn’t have much saved for retirement is wondering if she should take out a loan to pay her mortgage. In our news of the week, we cover the new magic number for retirement, the best time to sell your house this year, and what to do if you still owe the IRS money. Use the code "PODCAST" TO GET $100 OFF OF OUR FINANCEFIXX PROGRAM: https://hermoney.com/shop/product/financefixx-finance-coaching-program-by-jean-chatzky/ Takeaways: TikTok can be a powerful platform for spreading financial literacy and building a personal brand. First-generation Americans face unique challenges in wealth building due to cultural expectations and a lack of financial education. Setting money boundaries with family can be challenging but necessary for financial well-being. It is important to find a balance between paying off debt and investing. Chapters: 00:00:00 - Introduction and Financial News Update 00:06:07 - Gigi's Financial Education Journey 00:09:04 - Transition from Finance Job to Content Creator 00:11:43 - Challenges as a First-Generation American 00:15:24 - Setting Financial Boundaries with Family 00:23:55 - Improving Financial Habits in Marriage 00:26:01 - Investing While in Debt 00:27:49 - Mailbag Segment 00:29:59 - Listener Question on Investing for Child's Future 00:33:54 - Listener Question on Managing Finances Pre-Retirement Buy Cultura and Cash: https://www.thefirstgenmentor.com/my-book Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

A fresh New Year means it’s time to take a fresh look at the state of the economy. The U.S. economy has continued to grow at a stronger pace than expected, which has made many of us wonder what, exactly, happened to all of that recession talk a year ago? At the same time, we’ve also had a spectacular recovery of women in the workforce — with 75% of working-age women now have jobs. Plus, holiday spending late last year reached an all-time high, with Americans spending almost 10% more than they did last year on Cyber Monday. And yet, Americans are still feeling anxious about the economy. Rana Foroohar, Associate Editor at the Financial Times, joins us to explore why. We also go over her predictions for the state of the 2024 economy, and break down how those movements may impact your wallet. In Mailbag, we hear from a listener who’s recently widowed and needs advice on where to start learning about personal finance, and we check in with someone with three jobs who has a question about her withholding on tax documents. In our money tip of the week, it’s #engagmentseason – should you be considering a lab-grown diamond? Take our podcast and community survey! We can't wait to hear what you think. Join us! Snag all the latest episodes, savvy budgeting tips, investing advice and even giveaways via the HerMoney Newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

The New Year is a time when many of us take a moment to reflect on how we did over the past year and plan our goals for the future. This past year, we’ve spent a lot of time thinking about how to make our work and home lives more fulfilling. According to the World Happiness Report, it’s working! The US is now the 15th happiest country overall. Let’s keep those good vibes going and start 2024 with a happiness reset. Arthur C. Brooks, co-author of Build The Life You Want: The Art and Science of Getting Happier says the key to happiness starts with focusing on these four pillars: faith, family, friendship, and work. And we discuss the one thing to avoid if your #2024goals are focused on getting your money right. In Mailbag, we hear from a listener who got laid off during pregnancy and asks what to prioritize when she’s financially stable again and an aunt who’s curious about how to best help her nephew who was just released from prison. In our money tip of the week, if you’re a Boomer with a paid-off mortgage, now might be a great time to sell. Take our podcast and community survey! We can't wait to hear what you think. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact [email protected] if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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