So Money with Farnoosh Torabi

<p>After graduating law school in 2015 with $215,000 of debt, Cindy Zuniga-Sanchez committed to becoming financially literate and taking control of her finances. In 2018, she launched her social media account on Instagram, @zerobasedbudget, to document her debt payoff journey and simplify personal finance concepts. Cindy then founded her business, Zero-Based Budget Coaching LLC, where she speaks to thousands and coaches hundreds on budgeting, saving, debt payoff, investing, building generational wealth, and more. Cindy has been featured in national publications including <a href="https://www.forbes.com/sites/camilomaldonado/2020/03/30/30-year-old-latina-215000-debt/?sh=459585b31f9c">Forbes</a>, <a href="https://www.goodmorningamerica.com/living/story/based-budget-helped-woman-pay-off-215k-worth-68471518">Good Morning America</a> and <a href="https://www.rachaelrayshow.com/articles/zero-based-budget-for-student-loan-debt">The Rachael Ray Show</a>. </p><p>Cindy practiced law as a commercial litigation attorney before diving into full-time entrepreneurship. She is a graduate of Stony Brook University and obtained her Juris Doctor degree from the Benjamin N. Cardozo School of Law. She was born, raised, and currently resides in the Bronx, New York. Follow Cindy on <a href="https://www.instagram.com/zerobasedbudget/">Instagram</a> and her <a href="https://www.zero-basedbudget.com/">website</a>. Learn about her signature course: <a href="https://zero-based-budget-money-school.teachable.com/p/the-blueprint-to-financial-freedom">The Blueprint to Financial Freedom</a>.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>SaksWorks presents a live taping of Farnoosh's podcast and celebrates the release of her "<a href="https://www.workman.com/products/so-money-page-a-day-calendar-2022/calendar">So Money Page-A-Day Calendar 2022</a>" in a lively (and servicey!) conversation about creating a secure financial future, one day at a time. Hear Farnoosh and host Rachel Sklar, head of programming at SaksWorks, exchange personal money stories. Learn Farnoosh's take on how to create lasting financial habits, how to delay gratification, learning about money as the daughter of immigrants and how we demonize the "rich."</p><p><a href="https://saksworks.com/">SaksWorks</a> is a new membership club for life and work. The spaces offer beautiful, spacious work environments with a full suite of business amenities, plus wellness and fitness studios, dynamic speakers, and access to a range of services to elevate the every day. Learn more at <a href="https://www.saksworks.com/">saksworks.com</a>.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

This week's audience questions center around real estate and retirement. One listener wants to know how to prepare for the mortgage process when self-employed. What documents will she need? Another audience member wants to know whether climate risks will make home buying unattractive. And last: should you still be invested in the stock market in retirement? <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>Creative professionals - from coaches to designers to many self-employed individuals - sometimes have a harder time managing money. Questions about how much to charge for their goods and services and how to establish a business for long-term financial success is not always readily available. Our guest Ilise Benun offers practical advice for creatives on how to distinguish their "worth" from their "value," bake-in retirement savings into their pricing model and establish a successful operation year-round.</p><p>More about Ilise: She is the founder of <a href="www.Marketing-Mentor.com">Marketing-Mentor.com</a>, the go-to online resource for creative professionals who want better projects with bigger budgets, through which she offers business coaching to small groups and 1:1. She is also a national speaker and author of 7 books, including "The Creative Professional's Guide to Money," 3 online courses via CreativeLive and <em>The Simplest Marketing Plan</em> – all tailored to the needs of creative professionals. Since 2008, she has hosted the Marketing Mentor Podcast. For access to Ilise's Simplest Marketing Plan, which includes her 3 most effective marketing tools for creative professionals, <a href="%20https://bit.ly/BuySMPnow">click here. </a></p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>We've all heard the expression, Follow Your Passion, but how realistic is it? It's not the be all, end all, to achieving fulfillment and success, says guest Terri Trespicio. In her new book <a href="https://territrespicio.com/unfollowyourpassion"><em>Unfollow Your Passion</em></a>, she shares the insights and tools for living a meaningful life on your own terms. In our conversation we discuss why pursuing "the one thing" and making bucket lists can set us up for failure and disappointment.</p><p>The book is based on Terri's <a href="https://www.youtube.com/watch?v=6MBaFL7sCb8">famous TEDx talk </a>has more than <strong>seven million views. </strong>Pre-order <a href="http://www.unfollowyourpassion.com">Unfollow Your Passion</a> (released date: 12/21) and get early bird exclusives.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

We continue our discussion around the <a href="https://www.cnet.com/cost-of-climate-change/">Cost of Climate Change</a> and its impact on our investments and financial choices with guest Georgia Lee Hussey, co-founder of <a href="https://modernistfinancial.com/">Modernist Financial</a> and certified financial planner. We respond to listener questions about creating a sustainable portfolio, buying flood insurance and more. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>When it comes to making an impact with our money, our first instinct may be to shift our shopping dollars to support the change we seek in the world. From banning plastics to supporting Black-owned businesses to boycotting retailers that are unkind to their workers, how and where we collectively spend certainly matters and deserves attention. But what about where we save our money? Where we bank? Total cash deposits at all commercial banks in the US currently exceed $17 trillion and if you have a checking or savings account with a major US bank, your deposits may be used to finance large-scale "climate-unfriendly" projects. A Rainforest Action Network study finds that the world's biggest financial institutions have been key financiers of fossil fuel projects -- to the tune of $3.8 trillion since 2016.</p><p>Changing the equation is our guest: Geeta Sankappanovar, founder and chair of <a href="www.joinrallius.com">Rallius</a>, the first digital banking platform solely focused on ESG initiatives. The mission at Rallius is to fight systemic inequality, support climate action, and democratize wealth creation. The company hopes to draw $500 million in deposits during its first year of business.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>This week on So Money and on <a href="https://www.cnet.com/news/introducing-the-cost-of-climate-change/">CNET</a> (live beginning Monday 11/01 at noon ET), we are dedicating coverage to issues surrounding The Cost of Climate Change. Today, we focus on how climate change and extreme weather events are giving some home buyers pause.</p><p>Our guest is Aditi Shekar, co-founder and CEO of <a href="https://www.askzeta.com/">Zeta</a>, a financial services platform supporting families. She explains why she and her husband are planning to leave San Francisco, California for Bozeman, Montana, the climate risk considerations and her advice for other prospective buyers might want to calculate the cost of homeownership in a climate changing world. (Full disclosure: I am an investor in Zeta.)</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

This week on Ask Farnoosh: Details about backdoor Roth IRAs, the concept of "proper savings" and how to manage costs in a relationship where one partner makes significantly more. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>If something in your life could be <em>made easy,</em> what would that be worth to you? Hard work is not always the best work. Yet we often opt for the harder routes in life because we assume they equate to more value, more meaning, more success. Susie Moore joins to discuss the insights and inspiration from her newest book <a href="https://letitbeeasybook.com/">Let It Be Easy</a>. The book revolutionizes the concept of stress, showing you how to uncomplicate your life by removing the pressure and worry we manufacture ourselves without even realizing it.</p><p>More about Susie: She is a former Silicon Valley executive turned celebrity life coach and advice columnist, and her work has been featured on the Today show, Good Morning America, Dr. Oz, Oprah, Business Insider, The Wall Street Journal, Forbes and Cosmopolitan. Born in England, she lives in Miami with her husband Heath and her Yorkshire terrier, Coconut. Find out more about her work at <a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.susie-2Dmoore.com_&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=I6frFVbjmwJngGVFxRf2DNWN05DtmfcLo78a1GEpl0Y&m=MDZ16wsPONNLPPTZGmMnQJg88Tb91IYfgcZLxFCig2o&s=TBvpzNLbllKacWITE860sZtbozwv5d30zAY1bhbfDlo&e=">www.Susie-Moore.com</a>.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>Celeste Headlee is the author of SPEAKING OF RACE: <em>Why Everybody Needs to Talk About Racism—and How to Do It </em>(on-sale 11/2), In our conversation we talk about the importance of connecting the dots between privilege and wealth, how to actually ask questions about race without sticking your foot in your mouth, the role of social media in furthering discussions about race. And celeste’s own challenges growing up as al light-skinned Black Jewish American, and having to defend this time and time again. Plus: I share some of my curiosities about my own race.</p><p>More about Celeste: She is a self-described “light-skinned Black Jew” who has had to defend or define her race since childhood. In her career, Headlee has made it a priority to talk about race proactively but what she discovered is that those exchanges have rarely been productive. While many people <em>say</em> they want to talk about race, the reality is, they want to talk about race with people who agree with them. Now, using science, research and lived experience SPEAKING OF RACE provides insight and advice for how to have meaningful and impactful conversations about this crucial subject. This is the book for people who have tried to debate and argue with friends and have gotten nowhere; those who have stopped talking to a neighbor or dreaded a holiday dinner; and anyone who wants to better understand race and effect meaningful change as a society. <a href="https://celesteheadlee.com/">Learn more here.</a></p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

To buy or rent a home in Santa Monica? What tax deductions can I bank on this year? Smart to ditch roommates for my own place and pay double? How to play retirement savings catch-up? Farnoosh answers listeners questions. To purchase the 2022 So Money Page-a-Day calendar, visit www.pageaday.com, search for So Money and use the code SOMONEY for 20% off. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>What's it like to be a woman navigating a career in tech? Alana Karen was a very early Google employee and has stories to tell. Her book,<em> Adventures of Women in Tech: How We Got Here and Why We Stay</em>, aggregates hundreds of stories on this topic, as well.</p><p>More about Alana: She is an award-winning tech leader, author, and speaker whose work impacts many of our everyday lives. From Google Search to Ads, Fiber to Google Grants and beyond, Alana has been leading the charge to develop, scale, build and drive team and product development that has seen a rippling industry impact. Alana has spoken at conferences and summits on technology, leadership, DEI, talent and innovation. She lives with her three children, husband, two dogs, and a cat in the San Francisco Bay Area.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>Author and speaker Minda Harts joins Farnoosh to share insights from her new book, <em>Right Within: How to Heal From Racial Trauma in the Workplace. </em>They discuss how to identify racial aggressions, how to effectively speak up and how to know if you're being gaslit.</p><p>Filled with Minda Harts’s signature wit and warmth, <em>Right Within</em> offers strategies for women of color to speak up during racialized moments with managers and clients, work through past triggers they may not even know still cause pain, and reframe past career disappointments as opportunities to grow into a new path.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

This week's Ask Farnoosh addresses audience questions related to student loan, investing advice for teens, financial advice for someone nearing retirement and post-divorce, as well as the best finance books for beginners. Farnoosh picks two reviewers of the week to receive a free 15-minute money session. Plus, details about the forthcoming So Money calendar. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

For those of us considering career redirection or revisiting dreams deferred during the pandemic, entrepreneur Teneshia Warner joins to offer valuable tips and stories from her own personal experience leaving a stable corporate job to pursue her dream. Teneshia's book, <a href="http://www.thebigstretchbook.com/"><strong><em>The Big Stretch: 90 Days to Expand Your Dreams, Crush Your Goals, and Create Your Own Success</em></strong></a><strong><em>,</em></strong> is a soul-searching, life-transforming, 12-week boot camp that reveals how to get from where you are to where you dream to be – in life and in business. Visit www.thebigstretchbook.com to take Teneshia's Dreamer Profile Assessment. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p><strong>This episode is brought to us in partnership with the Allstate Foundation.</strong></p><p>[Trigger Warning] Today’s show focuses on a very serious issue, domestic violence and specifically, financial abuse, described as the invisible weapon of domestic violence. It is something that happens in nearly all cases of domestic violence - 96 percent of domestic violence victims experience financial abuse.</p><p>October is Domestic Violence Awareness Month and I thought it would be helpful to revisit a conversation with earlier this year from one very brave survivor, Mercii Thomas. She recently left her abusive partner, a man that made her financially and geographically reliant on him. We’ll discuss the importance of understanding financial abuse and how that can prevent a victim from breaking free. We’ll explore the prevalence of domestic violence and financial abuse and the importance of financial empowerment....and share important resources for victims, survivors and their allies.</p><p>If you or someone you know wants to learn more about these issues, you can visit <a href="http://www.allstatefoundation.org/">allstatefoundation.org</a>. If someone needs immediate help, please reach out to the National Domestic Violence Hotline at 1-800-799-SAFE.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

This week’s Ask Farnoosh offers advice to a listener post-divorce on ways to think about re-establishing her financial life, as well as whether it’s OK to cash out a life insurance policy to use towards buying a home. How to establish boundaries with a parent that’s financially dependent on you? And what to do with a $50,000 inheritance? (Replay from Sept 17, 2021) <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>Financial expert Tanja Hester joins to talk about her new book called <a href="https://benbellabooks.com/shop/wallet-activism/"><strong><em>Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change</em></strong></a><strong><em>.</em></strong></p><p>Clear-eyed and practical, <em>Wallet Activism </em>helps angry, overwhelmed, and disillusioned consumers cut through the marketing lies of companies that have rebranded their problematic practices as “green,” “woke,” and “ethical” to learn how to use their financial power to fight back. </p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Joyce Marter is a celebrated psychotherapist, and founder of Urban Balance, who has made it her life’s mission to help people improve their mental health and financial wealth. Through lessons learned from her own career as a business-owner, Joyce’s new book, <a href="https://www.amazon.com/Financial-Mindset-Fix-Fitness-Abundant/dp/1683647238">“The Financial Mindset Fix: A Mental Fitness Program for an Abundant Life”</a> shares a 360 degree holistic view of success with practical tools and guidance to amplify individuals self-worth and self-esteem to create financial abundance. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

In the speed round of Q&A, Farnoosh answers a broad range of listeners' questions from real estate to budgeting and savings strategies for those living in NYC. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>If you are striving for equality in your relationship, you might be doing it all wrong. Our guests today Nate and Kaley Klemp, are a married couple and co-authors of the new book <a href="https://www.amazon.com/80-Marriage-Happier-Stronger-Relationship/dp/1984880772"><em>The 80/80 Marriage: A New Model for a Happier Stronger Relationship, </em></a>recently named an editor's choice pick by the New York Times.</p><p>According to the authors, striving for a 50/50 marriage is really just a framework for failure.</p><p>Farnoosh and the Klemps explore the shift from fairness to what the couple calls radical generosity, as well as individual to shared success. They also share a number of tools for making these shifts real in the areas of saving, spending and balancing power.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Guest Rachel Pacheco is on the faculty at The Wharton School of Business and the author of Bringing Up the Boss: Practical Lessons for New Managers, which provides real-life strategies and teachings for how to be an effective leader and manager in the workplace. Farnoosh and Rachel discuss how managers can work harder to engage and retain employees, as well as some of Rachel's biggest mistakes as a boss. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Tackling a wide range of financial and career-related questions on Ask Farnoosh today. Listeners want to know how to evaluate a job offer at a smaller company, the benefits of paying off a mortgage versus investing more for retirement. And what are the financial steps to take before quitting your job to focus full-time on a side business? How to budget after a layoff? <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>Author and Duke University Professor Dorie Clark joins to share insights from her latest book, "The Long Game: How to Be a Long-Term Thinker in a Short-Term World." Clark talks about how to break out of the endless cycle and create the kind of interesting, meaningful lives we all seek, with unique principles and frameworks you can apply to your specific situation.</p><p><br></p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>Richelle Fredson is a book publishing consultant and proposal coach. She lends her extensive knowledge to aspiring authors - including Farnoosh! - to guide them through the book development process from concept to proposal to agent introductions. </p><p>Dubbed the “six figure book deal coach” her clients regularly receive competitive book deals from Simon & Schuster, Penguin Random House, Harper Collins, Hachette, Sounds True and many more.</p><p>As host of the Bound + Determined with Richelle Fredson podcast, she provides a behind-the-scenes look at the business of books, interviewing industry leaders and authors.</p><p> </p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

This week's Ask Farnoosh offers advice to a listener post-divorce on ways to think about re-establishing her financial life, as well as whether it's OK to cash out a life insurance policy to use towards buying a home. How to establish boundaries with a parent that's financially dependent on you? And what to do with a $50,000 inheritance? <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

What does financial self-care look like? It may not be what we think. Farnoosh interviews Allison Task, life and career coach and author of the new book, to learn ways to create more happiness and fulfillment in your financial life, as well as in your personal life and career...especially in these challenging times. Allison's new book is entitled <a href="https://www.amazon.com/gp/product/1648764215/">A Year of Self Care Journal: 52 Weeks to Cultivate Positivity and Joy.</a> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>The next Child Tax Credit arrives on September 15. Ahead of that, Farnoosh interviews Roxy Caines from the <a href="https://www.cbpp.org/">Center on Budget and Policy Priorities</a>, about how families can gain access to this much-needed benefit. Families can find out more information about the credit, if they qualify and how to get it at <a href="https://www.getctc.org/en">GetCTC.org</a>.</p><p>Also:</p><p>Check out the <a href="https://www.cnet.com/personal-finance/taxes/child-tax-credit-2021-september-payment-opt-out-deadlines-irs-portal-details/">Child Tax Credit 2021</a> breakdown on CNET.</p><p>Calculate how much your family could receive with <a href="https://www.cnet.com/personal-finance/taxes/september-child-tax-credit-payment-how-much-should-your-family-get/">CNET's calculator.</a></p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

This Friday, Farnoosh answers listeners' questions regarding whether it's better to own or rent an apartment in an expensive city. What to look out for when starting a business with a relative? What are the best investing courses? How to make the most of a previous 401(k) if you don't plan to start a new job yet? Reminder to send questions for Fridays shows to <a href="mailto:[email protected]">[email protected]</a> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

From Stacey Vanek Smith, the NPR host of <em>The Indicator </em>and correspondent for <em>Planet Money, </em>comes <a href="https://bookshop.org/books/machiavelli-for-women-defend-your-worth-grow-your-ambition-and-win-the-workplace/9781982121754"><em>Machiavelli for Women: Defend Your Worth, Grow Your Ambition, and Win the Workplace</em></a>. It is an accessible, funny, clear-eyed, and practical guide for how women can apply the principles of 16th-century philosopher Niccolò Machiavelli to their work lives and finally shatter the glass ceiling. Using <em>The Prince </em>as a guide and with charm and wit, Smith applies Renaissance politics to the 21st century, and demonstrates how women can take and maintain power in careers where they have long been cast as second-best. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p><em>This episode aired originally on May 31, 2021.</em></p><p>They may be called the "forgotten generation," but Generation X, those born between 1966 and 1980, are the trailblazers of our time, according to guest Margit Detweiler, founder of <a href="http://tuenight.com/">TueNight.com</a> — a Webby-honored storytelling platform, live event series and community for grown-ass, Gen-X women aka those of us who are, in fact, "just getting started." Farnoosh and Margit discuss Gen X's superpowers, the legacy they'll leave the next generation and what would you do with your career if the Internet crashed?</p><p>More about TueNight: Its <a href="https://tuenight.substack.com/">weekly newsletter</a>, the TueDo List, was just a Webby honoree in 2021 and named one of the <a href="https://www.forbes.com/sites/carisommer/2018/12/05/top-10-newsletters-of-2018-that-every-woman-needs/">top women-led newsletters </a>by Forbes. Their storytelling lineup is consistently great and has included luminaries such as What Not To Wear’s Stacy London, NY Attorney General Tish James, novelist Amy Sohn, musician Jill Sobule, author Ada Calhoun and many others. In April of this year Margit launched TueNighters a<a href="https://www.tuenighters.com/"> private, subscription-based community</a> with events and workshops tailor-made for Gen-X women.</p><p>More about Margit: She also runs <a href="http://www.gyratemedia.com/">Gyrate Media,</a> a boutique content strategy firm that works with brands like Verizon, AARP, P&G, Brandless, J&J, Citi and many others. Previously, she was the editorial director for RealSimple.com and Aol Health, executive editor at EverydayHealth.com and managing editor and music editor of the Philadelphia City Paper. She's an award-winning reporter and editor and has contributed to Rolling Stone, Redbook, Refinery29, the Associated Press, Village Voice, Bust, and many others. A born and bred Philadelphian, she now lives in Brooklyn with her husband and beagle.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>This episode originally aired earlier this summer.</p><p>It’s a jam-packed Ask Farnoosh with numerous questions answered. Learn how to find an estate planning attorney, break up with a financial advisor, start a 529 plan, talk about money with your partner for the first time and when is the best time to ask for a raise. Farnoosh also selects her reviewer of the week to receive a free 15-minute money session.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>This episode originally aired on June 14, 2021</p><p>Financial expert <a href="https://stefanieoconnell.com/">Stefanie O’Connell Rodriguez</a> discusses her latest work exploring what she calls the “ambition penalty” — the social, professional and financial costs women face when asking for more. Understanding it is critical for tackling gender inequality when it comes to money, she says. Because nothing will change if we keep telling women to step up, only for them to be pushed down when they do. You can read her full article at <a href="https://www.bloomberg.com/opinion/articles/2021-05-24/gender-equality-how-the-ambition-penalty-keeps-women-from-building-wealth?sref=bvdKdTbB">Bloomberg</a>.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>This episode originally aired July 15, 2021.</p><p>For generations, we’ve been taught there are two ways to succeed—either from talent or practice. But in his new book, <a href="https://www.amazon.com/Decoding-Greatness-Reverse-Engineer-Success/dp/1982135794"><strong><em>Decoding Greatness: How the Best in the World Reverse Engineer Success</em></strong></a>, award-winning social psychologist <a href="https://www.linkedin.com/in/ronfriedmanphd/"><strong>Ron Friedman</strong></a> shares a powerful third path—one that has quietly launched icons in a wide range of fields, from artists, writers, and chefs, to athletes, inventors, and entrepreneurs: reverse engineering. Farnoosh and Ron discuss the technique behind reverse-engineering, ways to apply it to your financial and career success and why humans are so fascinated – and obsessed with – success.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

This week's Ask Farnoosh covers money advice for couples, whether or not you need to buy life insurance, how to plan for long-term health costs and whether car insurance will pay for your disability costs in an accident. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>Guest Dan Weissmann is the host of the podcast <em>An Arm and a Leg</em>, where he takes one of the most enraging, terrifying, depressing aspects of American life—the cost of health care— and produce a show that's entertaining, empowering and useful. Topics discussed on today's show: How to negotiate your medical costs, securing health care when you leave a job, and the importance of shopping around for health care.</p><p>More about Dan: Before creating <em>An Arm and a Leg</em> in 2018, partly as a response to his own family's quest for affordable health care, Dan worked in public radio. He's been a staff reporter for <em>Marketplace</em> and Chicago’s WBEZ, and has done stories for outlets like <em>99 Percent Invisible</em>, <em>Planet Money</em>, <em>Reveal</em>, <em>Code Switch</em>, <em>Morning Edition</em> and <em>All Things Considered</em>.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Dasha Kennedy is the creator of the award-winning financial advocacy group <a href="https://www.thebrokeblackgirl.com/">The Broke Black Girl</a>. As a digital community leader and financial activist, she provides culturally competent and relevant financial literacy resources to over 70,000 African-American women to combat economic inequality. You can follow Dasha on <a href="https://www.instagram.com/thebrokeblackgirl/">Instagram</a> and <a href="https://twitter.com/brokeblackgirl_">Twitter</a>. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Rounding out our weeklong discussion about how to quit, Farnoosh and guest expert Dan Schawbel, answer your questions related to resigning, searching for new work and affording a career transition. Dan is a New York Times bestselling author, Managing Partner of Workplace Intelligence and career expert whose conducted dozens of workplace studies in the past 10 years. His latest book is called <a href="https://danschawbel.com/back-to-human/">Back to Human: How Great Leaders Create Connection in the Age of Isolation.</a> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>Our discussion around quitting and how to leave an unhappy job continues with our guest Tim Herrera, a freelance writer and editor who recently quit his post at The New York Times where he edited the service journalism section, Smarter Living for five years. There, he wrote and edited stories on personal finance, office culture and job satisfaction, mental health, digital privacy and more. Tim shares the moments that led up to his departure, how he's rethinking the concept of quitting and his recommendations for others that may want to follow in his footsteps.</p><p>More about Tim: He is a co-editor of the Smarter Living book, and is currently writing a book about self-awareness. Before coming to The Times, he worked at The Washington Post, where was on the digital strategy team and wrote about online culture. He lives in Manhattan with his two cats, Strudel and Streets, and his platonic life partner.</p><p> </p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>We are dedicating the week to discussing all-things QUITTING, as an increasing number of Americans seek new career beginnings. A Microsoft survey of more than 30,000 global workers showed that 41% of workers were thinking about quitting or switching professions this year. In April more than four million people quit their jobs, according to the Department of Labor – the biggest jump on record.</p><p>Economists and journalists dub this trend the ‘Great Resignation’. Guest Jessica Carney is the host of the podcast <a href="https://jessicacarneywriter.com/"><em>And Then I Quit,</em></a><em> </em>where she invites guests to share funny and absurd stories about jobs they’ve quit.</p><p>We discuss when quitting makes sense, the importance of changing the narrative around quitting from one of cowardice to courage, and how to afford the transition if you don't have savings.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

This week's Ask Farnoosh touches on the realities of a high-cost of living city and how to make ends meet. Also, how to come up with a mortgage to buy a second home (if you don't want to yet sell your first home and use the equity towards the down payment?) Plus: Is it wise to pay of high-interest credit card debt with a 401(k)? <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>Financial expert and bestselling author Ramit Sethi joins Farnoosh to share insights from his latest endeavor: the I Will Teach You To Be Rich podcast, where he unveils real stories about love & money from behind closed doors. We discuss the unbelievable financial perils from real guests on his new show, how to find common ground with a partner who's on a different financial wave length and why defining your Rich Life can help you grow a stronger relationship.</p><p>More about Ramit: He is the<strong> </strong>author of the <em>New York Times</em> bestseller “I Will Teach You To Be Rich,” has helped tens of millions of people live a Rich Life with their money, careers, businesses, and psychology. He hosts over a million readers on his site, <a href="http://www.iwillteachyoutoberich.com">iwillteachyoutoberich.com</a>, newsletter, and social media. His new podcast, <em>I Will Teach You To Be Rich by Ramit Sethi</em>, reveals real stories about love & money from behind closed doors. <strong>Learn more about his podcast at </strong><a href="http://iwt.com/podcast">iwt.com/podcast </a></p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Best-selling author Kabir Sehgal joins to share insights from the new book he co-authored with family friend, the late Congressman John Lewis called “<a href="https://amzn.to/3wbuYZ2">Carry On: Reflections for a New Generation</a>." In the book, we learn about Lewis' final reflections on topics including courage, activism and money, which can help guide the next generation. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

Dedicating today's episode to answering some of your questions about the podcast's recent licensing partnership with CNET and what it may mean for the show and our coverage. Also, we welcome Sharon Profis, CNET's Executive Editor & Senior Director of Content, who will work closely with our team there to drive the personal finance division. She'll discuss what's on tap and what we can look forward to at <a href="https://www.cnet.com/personal-finance/">CNET Personal Finance.</a> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

News alert: I’m licensing SO MONEY to CNET, the world’s biggest platform dedicated to tech and consumer news and advice. Also as part of our partnership, I’ll be joining CNET”s team as Editor-at-Large of Personal Finance. It’s a dream collaboration and we have BIG plans. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>Stephanie Kibler came onto the online personal finance scene in 2007 (when it was still called a "blogosphere") and was one of its first voices for low-income millennials and young women with her blog, <a href="https://poorerthanyou.com/">Poorer Than You.</a></p><p>Stephanie started her personal finance journey as a film school dropout in a rust belt city heading into the Great Recession. Her uphill money journey has played out like a comedy of errors, but she's overcome every curveball thrown so far, and is now committed to only doing work she loves and never being forced to wear a suit to a job interview again.</p><p>Through the years, she has worked to help build up online communities focused on financial literacy for women and other underrepresented groups, especially those with low or moderate incomes. She lives in the pricey Washington, DC-area suburbs (for some reason) with her husband and two young children, and can usually be found snarking on Twitter.</p><p>Learn more at <a href="http://poorerthanyou.com/making-do">poorerthanyou.com/making-do</a></p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>We are exploring love and money on the show today with the leading international dating and relationship coach <a href="https://www.samiwunder.com/">Sami Wunder</a>. We’ll talk about some of the power dynamics that come into play in modern day, hetero relationships. Why it’s important to strive for equality in your partnership but the rules are different when dating…Sami has interesting perspective about who should pay, who should be more the pursuer…and why.</p><p>Sami has helped more than 237 single clients to get married and more than 300 partnered clients to bring their marriages back from divorce in the past five years. She lives in Germany with her adoring husband, Chris, and their two boys. </p><p>I know we all have really different opinions when it comes to men, women and relationships…so I encourage you to listen to this show with an open mind.</p><p>You can learn more about Sami's offers for So Money listeners <a href="https://samiwundercoaching.lpages.co/lean-back-farnoosh/">here</a>.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

This week’s Ask Farnoosh includes questions about the 4% withdrawal rule of thumb many retirement planning experts promote and whether it still applies if you’re considering on retiring early. Also: how much to invest in my company’s stock? Farnoosh also shares her some of her all-time fave podcasts. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>

<p>Guest Janine Firpo brings advice on how to create a values-driven investment strategy. She is a seasoned values-aligned investor and social innovator, with a long history of working at the intersection of women and their money. Her book,<a href="https://activateyourmoney.net/"> Activate Your Money: Invest to Grow Your Wealth and Build a Better World</a>, was a collaborative effort with almost 150 women. Topics discussed include how to identify your values as they pertain to your investments, how to begin making socially-driven changes to your portfolio and how to measure your impact? Does socially-conscious investing come at a financial cost?</p><p>More about Janine: From the early years of Apple Computer to senior positions with Hewlett-Packard, the World Bank, and the Bill & Melinda Gates Foundation, Janine has always found herself making an impact. In 2017 she left a successful 35-year career in technology and international development to focus on how women can create a more just and equitable society through their financial investments. She is a lead investor in Next Wave Impact, an impact fund designed to help more women become angel investors. And, she chairs the board of Zebras Unite, an organization that is developing the capital structures, community, and culture that non-unicorn start-up businesses need to thrive.</p> <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>