Money Rehab with Nicole Lapin

Nicole shares everything you need to know about how interest rates are changing, what that has to do with what you’re paying at the grocery store, and how you should adapt.

Originally aired on July 29th, 2021 Money Rehab listener Adam calls Nicole for advice on whether he can drop ten grand on his next sleeve. To treat yourself or not to treat yourself? Listen to find out!

In the early 2000s, a group of teenagers collectively known as "The Bling Ring" reportedly stole over $3 million dollar’s worth of possessions from celebrities like Orlando Bloom, Paris Hilton, Rachel Bilson, Megan Fox, Lindsay Lohan and more. Over a decade later, a viral Vanity Fair article and a subsequent film still control the narrative of this story— not the people involved. If you watched the film, you might think that Alexis Haines (née Neiers) was the ringleader of the Bling Ring. So it might surprise you to learn that she was actually only at one of the break-ins, and at the time, she was addicted to heroin and dealing with the aftermath of abuse. Alexis will be the first one to tell you that stealing is always wrong. Full stop. But so long as her story is still being told in the media, she should be the one to tell it. Alexis tells Nicole and Morgan her side of The Bling Ring story, her tips on manifesting money, the financial and emotional cost of reality TV, the latest on her divorce, the silver linings of her recovery journey, and everything in-between. To learn more about Alexis and to listen to her podcast Recovering from Reality, check out this link: https://www.recoveringfromreality.com/

Your wedding. Whether or not you’re one of those people who have been dreaming about this day your entire life, you’re probably pretty stoked. It’s a celebration of love, with dancing and cake and champagne. What could be better? But there is the small, teeny, tiny matter of planning it… and paying for it. But, we don’t have to go through it alone, we can phone a friend for answers to our questions. And today, we’ll be phoning our friend Nicole Pellegrino— recent bride, wedding expert and host of the funny and helpful podcast Betches Brides. You can listen to Betches Brides at: https://betches.com/brands/betches-brides/

A lot of first-time homebuyers are intimidated by the mortgage application rigamarole, and have serious anxiety around screwing it up. To curb that anxiety and give industry hacks, Nicole talks to Eric Eisenberg, one of the best mortgage brokers in the country. You can read more about Eric and his work at: https://www.experthomeloans.com/

Nicole shares five ways you can save money in the planning phase of your vacation, so that you can take those savings and put them toward something actually fun. Why spend money on expensive flights when you could use that cash for zip lining, horseback riding, pina coladas on the beach, wildlife excursions, museum tours, scuba diving… well, you get the picture.

Last week, the highly anticipated verdict in the Johnny Depp vs. Amber Heard case was revealed. Nicole shares how much Heard was ordered to pay Depp, and what happens if she can't afford it.

Originally aired January 13, 2022 With thousands of flights canceled over the holidays, people are wondering: is this going to come between me and my pina colada getaway?! Today, Nicole shares her savvy travel hacks to help during this time of canceled-flights-galore.

Originally aired August 24, 2021. A lot of financial experts target money advice to people who have money. But what if you don’t? Today, a Money Rehabber asks Nicole for the type of financial advice that doesn’t cost a dime.

The internet is split on OnlyFans: is it empowering for women to be able to make money off of their bodies? Or, is it exploitative? And how much money can you make on OnlyFans, anyway? Nicole invites Lauren Urasek, an OnlyFans creator, to answer these questions once and for all. You can find Lauren on Instagram @Loandthecosmos and @sensorydripstudio

With gas prices like these, you may be tempted to stay home. But fear not! Nicole shares five ways you can save and get to where you need to go.

Influencing can be a lucrative and worthwhile venture, but in the case of mom-fluencers, it gets a little more complicated. Parenting content can be educational, aspirational and empowering. But what happens when your kid becomes a stream of income? Nicole talks about the good, the bad, and the ugly of mom-fluencers with Jo Piazza, author and host of the amazing podcast that covers this industry, Under the Influence. To listen to Jo’s stellar podcast Under the Influence, click here: https://podcasts.apple.com/us/podcast/under-the-influence-with-jo-piazza/id1544171101 For Jo’s other work, check out her website: https://www.jopiazza.com/

Money intersects with every area of our lives: our self esteem, romantic relationships, mental health, family ties— everything has a money trail. And because of that, money can get intertwined with our psyche in interesting, and sometimes challenging, ways. Nicole wanted to dig deep into this, so she called up Lindsay Bryan-Podvin, a financial therapist who combines financial literacy with the emotional and psychological side of money. To learn more about Lindsay, check out: Her website: https://mindmoneybalance.com/ And her book: https://www.simonandschuster.com/books/The-Financial-Anxiety-Solution/Lindsay-Bryan-Podvin/9781646040070

Dear Class of 2022: YOU DID IT! Congrats on this major moment! Now it is time to venture off into the "real world" which is really... upside down. But don't worry— Nicole's got you. She's sharing her best money tips for new grads (and their loved ones). Spoiler alert: it has something to do with super woman (but not Superwoman). See omnystudio.com/listener for privacy information.

Originally aired July 22, 2021. Today’s episode is a classic story of girl meets boy, girl marries boy, boy takes girl’s name off of bank account and steals girl’s money. Today, listener Faith calls Nicole to ask how to recover after getting “swindled” by Prince Charming. See omnystudio.com/listener for privacy information.

Originally aired Nov 26, 2021 Today, Nicole has a Listener Intervention with a Money Rehabber who, in her words, “doesn’t have a penny in savings.” She says: “My parents didn't teach me this stuff and school certainly didn't. I've always felt like there was a secret world I was excluded from. I wish I would have gotten on this way sooner but I'm clinging to the ole 'better late than never' expression.” Today, Nicole shows this Money Rehabber that it’s never too late.

Earlier this month, Coinbase users were shocked to read a new disclosure from the company that could cost users everything. Nicole breaks down this headline, and how it unlocks the answer to a key crypto debate. See omnystudio.com/listener for privacy information.

Have you ever dreamt that you won the lottery? Do you have a recurring dream you can’t figure out? Have you had a dream about your boo and you feel like it means… something? Nicole wants to help YOU with your dreams in more ways than one. Dream expert Theresa Cheung is joining Nicole on today’s episode in order to answer the question: what are our dreams trying to tell us? To read more about Theresa’s work, check out her website here: https://www.theresacheung.com/

There have been many product shortages in the last year, due to both pandemic-related issues and supply-chain disruptions, but nothing quite as anxiety-provoking as the baby formula shortage we're facing now. Today, Nicole explains how this industry got so topsy-turvy and what it has to do with corporate consolidation. Plus, Nicole wanted to share the research she’s done and the resources she’s found, in the hopes that she can be helpful to you and your family in this nerve-wracking time. See omnystudio.com/listener for privacy information.

Is it worth lowballing a seller in this housing market? Real estate broker Erik Miles answers this question and more in the second part of his conversation with Nicole. If you liked this episode of Money Rehab, you'll love Episode 275 - Renting Versus Buying Tug of War. Check it out here: https://link.chtbl.com/S358XjHp?sid=RC See omnystudio.com/listener for privacy information.

After scouring the Los Angeles rental market, Nicole found the one— the perfect house. She put in an application right away and… she got rejected. It gets weirder. The rejection wasn’t about the money. The actual reason Nicole’s application got rejected is much more bizarre. To tell this story, Nicole brings on expert real estate broker Erik Miles. You can find Erik at: Agent page: https://www.compass.com/agents/erik-miles/ Social: @erikmilesre @erikmilesgroup EMG website: www.erikmilesgroup.com

Originally aired October 8th, 2021. In today’s Listener Intervention, Nicole chats with a Money Rehabber whose landlord is looking to raise her rent big time. What’s her next move? Listen to find out! See omnystudio.com/listener for privacy information.

Originally aired on October 21, 2021. We’ve all dreamed about winning the lottery, but what is it actually like? Today, Nicole calls up Powerball winner Timothy Schultz to find out.

Bad emails: we’ve all maybe received them, and we’ve all definitely sent some, but we can put an end to iffy emails… with a little help. That help comes to us from Entrepreneur magazine editor in chief (and one of Money Rehab’s favorite guests), Jason Feifer. You’ll laugh, you’ll cry, you’ll think twice before “replying all.” See omnystudio.com/listener for privacy information.

In this episode, Nicole talks to Avis Cardella: writer, author and recovering shopping addict. Avis describes how she fell into the downward spiral of daily shopping, and more importantly: how consumerism had become a coping mechanism. Forget the movies— this is a raw picture of what shopping addiction really looks like. If you or someone you know needs help managing debt, check out Debtors Anonymous: https://debtorsanonymous.org/ To read more of Avis’ work, check out her website: https://aviscardella.com/ To read Avis' book, click here: https://www.amazon.com/Spent-Memoirs-Shopping-Avis-Cardella-ebook/dp/B00351DSSM/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=1652686893&sr=8-1

Crypto is crashing, but Nicole isn’t surprised. Tune in to get the scoop on why crypto is tanking, and how it may be the beginning of the crypto apocalypse. See omnystudio.com/listener for privacy information.

Today, Nicole explains futures contracts and what they have in common with Benjamin Button. See omnystudio.com/listener for privacy information.

We're tired of the same obvious and just plain boring savings tips, aren't you? Here are five fresh, new ways to save $$$. See omnystudio.com/listener for privacy information.

Originally aired July 28th, 2021 Nicole breaks down the Money Rehab wedding budget and tells you how to save $$$!

Originally aired April 21, 2021. Did you know that there are BILLIONS of dollars in unclaimed money in the US? Want to find yours? In today’s episode, Nicole shows you how! See omnystudio.com/listener for privacy information.

Johnny Depp and Amber Heard’s defamation trial has been such big news, that it’s practically eclipsed another high-profile defamation case: the model Blac Chyna versus Kris Jenner, Kylie Jenner and Khloe Kardashian. Even though this trial has received markedly less coverage than the Johnny Depp Amber Heard trial, the financial stakes in the Chyna-Kardashian trial were actually nearly double Johnny Depp’s. Blac Chyna was seeking $108 million in damages from the Kardashians. Nicole explains why and unpacks the verdict. See omnystudio.com/listener for privacy information.

Today, Nicole is going to knock your socks off with three of the most expensive divorces in human history… so far, anyway. Plus, Nicole points out how these divorces challenge some of our assumptions about wealth— and reinforce some stereotypes. See omnystudio.com/listener for privacy information.

The last few episodes have been pretty heavy, so how about some good financial news? Nicole shares three indications that the financial future is bright. See omnystudio.com/listener for privacy information.

Nicole analyzes what overturning Roe v Wade would mean from a perspective that transcends politics: financial freedom. To find (or give) financial help to folks in need of reproductive healthcare, check out these resources: https://www.thecut.com/article/donate-abortion-fund-roe-v-wade-how-to-help.html See omnystudio.com/listener for privacy information.

Nicole follows the money trail behind Johnny Depp and Amber Heard's trial to find out what's really at stake, and whether there's a lesson in all this. See omnystudio.com/listener for privacy information.

Originally Aired October 5th, 2021. In a prior episode, Nicole spoke about the importance of employers implementing a miscarriage leave policy after going through a miscarriage herself. In this follow-up episode, Nicole speaks with Senator Tammy Duckworth on the Support Through Loss Act, legislation providing for paid time off after the loss of pregnancy, or other challenges to starting a family. Plus, Nicole talks with her partner Joe Sanberg about their experience taking time off after their miscarriage, and how he implemented miscarriage leave at his company. If you’d like to sign Nicole’s petition urging companies to offer miscarriage leave, click here: https://www.change.org/p/businesses-companies-need-to-have-miscarriage-leave If you'd like to learn how to get in touch with your local representative to talk about the Support Through Loss Act, click here: https://www.house.gov/representatives/find-your-representative See omnystudio.com/listener for privacy information.

Originally aired on May 10, 2021. Miscarriage leave is the kind of leave no one ever wants to have to take. But nevertheless, it’s the kind of leave that must exist. In today’s episode, Nicole opens up for the first time about her own miscarriage and sits down with writer Ayana Lage for a deep dive into the financial costs of miscarriage that no one is talking about. Sign Nicole’s miscarriage leave petition here: https://www.change.org/p/businesses-companies-need-to-have-miscarriage-leave Read Ayana’s piece here: https://www.washingtonpost.com/lifestyle/2019/12/11/hidden-financial-toll-having-miscarriage/ Find more of Ayana’s work here: https://ayanalage.com/ See omnystudio.com/listener for privacy information.

Nicole brings on her two favorite freelancers to share the best tips for contract workers: from the ways to maximize the money in your pocket come tax season, to how to deduct your moisturizer. We got 99 problems, but a 1099 ain't one! See omnystudio.com/listener for privacy information.

Over the last two years, COVID probably disrupted your travel plans once or twice… and that means that you likely have a travel voucher that you’re figuring out how to use. Today, Nicole explains how to redeem those travel vouchers, and cash in on your dream vacation. See omnystudio.com/listener for privacy information.

We'd sugarcoat it but... it's the truth: car loans are a mistake. In this episode, Nicole explains why and what you should do instead. See omnystudio.com/listener for privacy information.

No spoilers! You’ll have to listen to find out. See omnystudio.com/listener for privacy information.

If you’re diving into homeownership for the first time, your first question will be: WTF kind of mortgage should I get? And the second question will be, of course: How-TF do I get it? Today, Nicole explains.

Not sure what to say when you come face-to-face with the car salesperson? Fear not! Today, Nicole shares her foolproof negotiation script.

Between the used car shortage, rising gas prices, supply chain issues and inflation— it’s a really tricky time to buy a car. Today, Nicole brings on auto broker Alec Johnston to give the best advice if you’re looking to get a car in these, yes, unprecedented times. See omnystudio.com/listener for privacy information.

On Monday, Twitter leadership announced it had agreed to sell the company to Elon Musk for roughly $44 billion. But what does that mean for Twitter users? How does a company go from public to private? And will Trump live to tweet again? All this and more on today's episode. To learn more, check out these articles: https://www.cnn.com/2022/04/25/tech/elon-musk-twitter-sale-agreement/index.html https://www.newsweek.com/twitter-going-private-what-will-it-mean-users-1700975 See omnystudio.com/listener for privacy information.

Imposter syndrome is more than just uncomfortable; it can also hold you back from advancing at work. It’s something Nicole has struggled with too. In this episode, she shares how she’s worked to overcome it. See omnystudio.com/listener for privacy information.

If you’re getting a tax refund: good news! But, don’t let this golden opportunity pass you by. Nicole explains three stellar options for your tax refund. See omnystudio.com/listener for privacy information.

Looking to get your financial life on track? Start here. See omnystudio.com/listener for privacy information.

The two major paths you can take with your housing are 1) renting or 2) buying. Let’s take this decision to the playground, for a little game of Money Rehab tug of war. Renting and owning are going to go head to head and whichever is the strongest in the category, wins. Let’s play. See omnystudio.com/listener for privacy information.

Nicole explains what a target fund is— and unpacks some hangups that many experts won’t tell you about. See omnystudio.com/listener for privacy information.