So Money with Farnoosh Torabi

<p>Actor, activist and author Annabelle Gurwitch joins to discuss her latest bestselling book,<em> You're Leaving When? Adventures in Downward Mobility.</em> The book is a collection of raw and honest essays that capture the issues Gurwitch grapples with in midlife, from divorce to financial fragility.</p><p>As the Library Journal says, "Gurwitch’s perspective on both the major and the mundane will be relatable to anyone who understands how the American Dream has devolved into a fever dream. Her stories are as personal as they are universal...The latest from Gurwitch will have readers rolling with laughter one minute and picking up the phone to commiserate with friends or family the next."</p><p>You can learn more about Annabelle and her work <a href="https://www.annabellegurwitch.com/">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>

On this week's Ask Farnoosh: a listener is considering remarrying, however, it would mean losing out on her ex husband's social security benefits. What's the right move? Also: rules around inherited IRAs and benefits to 457b 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>Imagine having $650,000 in debt? What would be your game plan? Amber Masters joins to talk about how she and her husband plan to squash their massive student loan debt (mostly from his schooling) and how, along the way, she's building an app to help others become debt free.</p><p>More about Amber: She is an attorney turned entrepreneur. She is the founder and CEO of the app, <a href="https://thepaidbackapp.com/">Paidback</a>, which makes debt payoff simple and fun. While practicing as an attorney, Amber created the website <a href="http://deeplyindebt.com/">deeplyindebt.com</a> to document her journey paying off $650,000 in student loans. She's been featured on CNBC, ABC, and Yahoo Finance.</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>

Sunny Israni, better-known as The Money Gay on TikTok, is committed to making personal finance accessible and interesting for groups traditionally left out of the personal finance conversation. He is a Chartered Financial Analyst, and spent six years on Wall Street as an Analyst at Merrill Lynch. Additionally, Sunny is a serial entrepreneur who founded two companies prior to his current venture, Clasp, a financial wellness coaching platform, with his co-founding partner, Katherine. He's a software engineer, previously at Bloomberg. <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>

'Ask Farnoosh' is back with a fresh episode highlighting some of the top questions posed by viewers. This week: How to apply for a mortgage when one spouse is out of work; Risks to closing old credit cards; the best investing books and whether or not to go in on a home purchase with an unmarried partner. Farnoosh selects TWO show reviewers to each receive a free 15-minute money session. <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>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><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>Might it be time to rethink some aspects of fatherhood? What does it mean to be a feminist father? Author Jordan Shapiro writes about it in his new book, <a href="https://www.amazon.com/Father-Figure-How-Feminist-Dad/dp/0316459968">Father Figure, </a>a book that Adam Grant describes as a "thoughtful and long-overdue exploration of fatherhood and masculinity in the 21st century that redefines what it means to be a good father."</p><p>Drawing on research in sociology, economics, philosophy, gender studies, and the author's own experiences, <em>Father Figure </em>explores<em> </em> the psychology of fatherhood from an archetypal perspective, as well as a cultural history that challenges familiar assumptions about the origins of so-called traditional parenting roles. What paradoxes and contradictions are inherent in our common understanding of dads?</p><p>More about <a href="https://www.jordanshapiro.org/father-figure">Jordan:</a> He has a PhD<strong>,</strong> is father to two children and step-father to two more. He lives in Philadelphia with his partner Amanda Steinberg. He teaches in Temple University’s Intellectual Heritage Program. He’s senior fellow for the Joan Ganz Cooney Center at Sesame Workshop, and nonresident fellow in the Center for Universal Education at the Brookings Institution. His previous book, <em>The New Childhood </em>(2018)<em>, </em>received wide critical acclaim and has been published in 11 languages.</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 is a replay and originally aired on Friday, June 19, 2021.</p><p>On this Friday's Ask Farnoosh listeners ask: Are investing courses worth it? How to anticipate and budget for home maintenance costs? How to ask for a raise after learning a colleague makes more? How to set financial boundaries with family members you are supporting? Plus, Farnoosh selects her reviewer of the week for 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 January 27, 2021.</p><p>It is “the most complex and emotionally fraught financial decision that many families will ever make,” says my guest Ron Lieber about college. This high-stakes money move is a source of anxiety, stress and confusion. Too often, it leads us down the wrong path of over-borrowing for a school that under-delivers.</p><p>In his latest book, The Price You Pay for College, Ron help readers make the most financially and emotionally-intelligent decision possible in selecting a school. We’ll discuss why the cost of college is SO high (over $300,000 for a private four-year college, on average), some secrets to paying for college (ever hear of merit aid?) and how to properly “value” the college experience, especially in the post-Covid world.</p><p>Ron’s book is available <a href="https://ronlieber.com/books/the-price-you-pay-for-college/">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>This episode originally aired on May 19, 2021.</p><p>While the ultra-rich don’t ever have to worry about affording their needs (or wants), they may suffer from some big problems related to being wealthy. As guest <a href="http://www.jenniferrisher.com/">Jennifer Risher </a>explains, it can be hard to maintain close relationships and come to terms with your financial reality when you’re rich. In her book, <a href="https://www.amazon.com/We-Need-Talk-Memoir-Wealth/dp/1939096464">We Need to Talk: A Memoir About Wealth</a>, Risher shares her own personal journey of coming into extraordinary wealth, as well as the voices of others in her demographic and the hidden impact of wealth on identity, relationships and sense of place in the world.</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>Today's Ask Farnoosh focuses entirely on investing, answering your hottest questions about 401(k)s, brokerage accounts, and how to save for your future if you're self-employed. Also, what to make of the meme stock craze?</p><p><strong>This is a special episode produced in partnership with our friends at SoFi</strong>, the all-in-one platform where you can save, you can spend, earn, borrow, invest. Now at SoFi you can buy stocks and ETFs and open an automated portfolio all with no account minimums and zero commission on trades. Plus, members now have access to upcoming IPOs before they begin trading on an exchange. Through SoFi social investing, you can also follow other members and see what they're investing in.</p><p>You can visit <a href="http://www.SoFI.com/somoney"><strong>SoFI.com/somoney</strong></a><strong> </strong>to sign up for a SoFi active invest account and enter to win $5 to $1,000.</p><p>Helping me answer your questions today is <strong>Liz Young</strong>, SoFi’s head of investment strategy where she is responsible for providing economic and market insights to a variety of audiences. Liz is passionate about educating others on investing to help people feel empowered to take a more active role in their financial futures.</p><p>###</p><p>Disclaimer:</p><p>Terms and conditions apply. Loans originated by SoFi Lending Corp. or an affiliate. CFL #6054612, NMLS #1121636 (<a href="http://www.nmlsconsumeraccess.org/">www.nmlsconsumeraccess.org</a>). Equal Housing Lender. Brokerage products offered through SoFi Securities LLC, member FINRA/SIPC. SoFi Money® is a cash management account, which is a brokerage product. Neither SoFi nor its affiliates are a bank. Advisory services are offered through SoFi Wealth, LLC an SEC-registered Investment adviser.</p><p>Investing early in a new issue involves substantial risk of loss. The decision to invest should always be made as part of a comprehensive financial plan taking individual circumstances and risk appetites into account</p><p>Social investing is meant to be informational and is not advice. Any actions other users take should not be considered as the basis for an investment decision. Investing comes with risks including the risk of loss.</p><p>Liz Young is a Registered Representative of SoFi Securities and Investment Advisor Representative of SoFi Wealth. Her ADV 2B is available at <a href="http://www.sofi.com/legal/adv"><strong>www.sofi.com/legal/adv</strong></a>.</p><p>This information isn’t financial advice. Investment decisions should be based on specific financial needs, goals and risk appetite.</p><p>Diversification can help reduce some investment risk. However, it cannot guarantee profit nor fully protect in a down market.</p><p>Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.</p><p>The SoFi Credit Card is issued by The Bank of Missouri (TBOM) (“Issuer”) pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.</p><p>SoFi doesn’t provide tax or legal advice. Individual circumstances are unique. Consult with a qualified tax advisor or attorney about your specific needs.</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>Nerissa Holder Hall is the founder of <a href="https://www.mirrormirrorbooks.com/">Mirror Mirror Books</a>, a direct-to-consumer publishing company that creates picture books that help little kids handle life's big moments. Mirror Mirror's books come in 14 versions so the child in the book can look a bit like the child in your life. Their first book, The Day I Beat the Germs, tackles the COVID-19 pandemic.</p><p>Nerissa is an award-winning producer of games, television, podcasts and social networks for kids. She has almost two decades of experience in children's media including with Nickelodeon, PBS/WNET, Pinna and Callaway Digital Arts where she led product development for a Ready to Learn project funded by the U.S. Department of Education.</p><p>Nerissa has a degree in English from Wellesley College and a Masters degree in communication and education from Columbia University’s Teachers College.</p><p>Nerissa was born and raised in New York. She founded Mirror Mirror Books with her husband with whom she lives, works and raises their 5-year old twins.</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>Rob Phelan is the author of the children's book <a href="http://www.misformoneybook.com">M is for Money</a>, which aims to introduce 3-8 year old children to age-appropriate money words and normalize conversations about money between family and friends.</p><p>He is a high school personal finance teacher in Maryland, where he lives with his wife and son who is almost two years old. He is part of the ChooseFI Foundation team, a non-profit with the mission of bringing high quality and free personal finance education to underserved communities, and the owner of The Simple StartUp, a digital camp for kids to help them start their first business.</p><p>For more check out:</p><ul><li>M is for Money - <a href="http://www.misformoneybook.com/">www.misformoneybook.com</a></li><li><a href="https://www.kickstarter.com/projects/robphelan/m-is-for-money-teach-financial-literacy-to-3-8-year-olds?ref=5v9wu8&token=7f81bf65">Kickstarter campaign for M is for Money</a></li></ul> <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>

On this week's Ask Farnoosh, listeners ask about ways to reduce their student debt burden, how to afford housing in a high-cost of living area like New York or San Francisco, whether to invest in REITs and how often to check one's investment portfolio? Plus Farnoosh shares big news related to a personal project. And a new reviewer is selected to receive a free 15-minute money session. <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><a href="https://www.instagram.com/hithapalepu/?hl=en">Hitha Palepu</a> is a multi-hypenate - an entrepreneur, investor, author and <a href="http://www.5smartreads.com%20">creator of #5SmartReads</a>. She's the CEO of Rhoshan Pharmaceuticals and an investor in over 15 women-led and women-focused companies. Her second book <a href="https://www.werespeakingbook.com/"><em>We're Speaking: The Life Lessons of Kamala Harris</em></a> will be published this fall. On the show, we discuss the topic of privilege. Why, even if you have a lot of it, it is OK to be proud of your success.</p><p>Hitha is the single daughter of immigrant parents. She shares what drives her to keep so many projects and tasks going on at the same time, how she manages her time, and advice for those of us who want to invest in other companies. Hitha is an avid angel investor and she’ll also walk us through some ways to get involved without a lot of money.</p><p>Hitha lives in New York City with her husband and sons.</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>

On today's show, a conversation about the financial and career-related costs of being a working parent - and how to design a more fulfilling, dignified (and affordable) life for you and your family, especially as we emerge from the pandemic. Guest Daisy Dowling is a 20-year Wall St. veteran who now coaches working parents, helping them get to the top of their game (she’s also a mom to two young kids). Her new book is <a href="https://www.workparent.com/about-us">WORKPARENT</a>: The Complete Guide to Succeeding on the Job, Staying True to Yourself, and Raising Happy Kids. She offers great advice for aspiring parents, as well. <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>

On this Friday's Ask Farnoosh listeners ask: Are investing courses worth it? How to anticipate and budget for home maintenance costs? How to ask for a raise after learning a colleague makes more? How to set financial boundaries with family members you are supporting? Plus, Farnoosh selects her reviewer of the week for a free 15-minute money session! <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>In celebration of Pride Month, <a href="http://www.NextAdvisor.com">NextAdvisor</a> Editor-in-Chief Adam Auriemma stops by the show to share some of the site's latest coverage related to LGBTQ+ financial rights. He also provides the behind-the-scenes of his new interview with Suze Orman on how <a href="https://time.com/nextadvisor/in-the-news/suze-orman-foundation-of-success/">being gay has been the foundation to her success</a>. We also highlight some <a href="https://time.com/nextadvisor/investing/lgbtq-personal-finance-experts-to-follow/">LGBTQ+ personal finance experts</a> to follow.</p><p>To sign up for Adam's June 24th Livestream with Suze Orman <a href="https://time.com/nextadvisor/money-talks-with-suze-orman/">click here. </a></p><br><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><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>We will hear from one very brave survivor, Mercii Thomas, who 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><p>You can also learn more about financial abuse and the signs here in <a href="https://farnoosh.tv/?p=14646">my latest blog post.</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>

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>. <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 are capping Crypto Week with guest Hilary Hendershott, CFP and Founder of <a href="https://hilaryhendershott.com/">Hendershott Wealth Management</a>, in a discussion about whether or not it is wise to invest in the crypto space. Will we regret ignoring the craze in, say, 30. years? How to buy a cryptocurrency? How to invest in blockchain technology? What do you do if you want to sell your stake? <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>

Our conversation picks up where we left off in the previous episode about the impact that the blockchain and cryptocurrency may have on the world, with a deeper look at what it can mean for the racial and gender wealth gaps. Our guest is Cleve Mesidor, founder of the <a href="https://wocblockchainpolicy.com/#:~:text=The%20National%20Policy%20Network%20of,and%20services%20on%20the%20technology.">National Policy Network of Women of Color in Blockchain</a>. A Washington insider, she served as an Obama Presidential Appointee, a senior staffer in Congress, and in the leadership of national political campaigns. She is also the author of the book <a href="https://bookshop.org/books/the-clevolution-my-quest-for-justice-in-politics-crypto/9798666892060">THE CLEVOLUTION</a>, A gritty and honest memoir where she chronicles her nomadic journey that begins during the tumultuous 70s in Haiti and later migrating to NYC and then into Washington politics. <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>

Today we will examine what adoption of crypto and the blockchain will mean for the world - the environment, business, innovation. What world will we be living in where crypto will dominate? My guest is Ollie Leech, Experienced Editor and Technical Analyst at <a href="http://www.coindesk.com">CoinDesk</a>, a leading media platform for cryptocurrency news and research. We also explore the world of NFTs, Non-Fungible Tokens, and what makes them valuable and useful. <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>I’m excited to announce that this is CRYPTO WEEK! We begin with a conversation with two highly knowledgeable guests who will provide us with the BASICS. What is the history of crypto? What is bitcoin? What is the blockchain? Why should we care?</p><p>My guests are <a href="https://investdiva.com/">Kiana Danial</a>, author of Cryptocurrency Investing for Dummies and CEO of InvestDiva, an award-winning, internationally recognized personal investing and wealth management expert. And my colleague John Puterbaugh who is the editorial director for <a href="http://www.NextAdvisor.com">NextAdvisor</a>, a personal finance publication in partnership with TIME. John has more than 10 years of experience leading editorial teams in personal finance, consumer advocacy, and local news. He’s written extensively about cryptocurrency for NextAdvisor. </p><p>(The ETF referenced in the episode, that Farnoosh has purchased, is BLOK (This is not an endorsement or recommendation.)</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>

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. <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 is produced in partnership with FIS, advancing the way the world pays, banks and invests.</em></p><p>Today's episode centers around the future of payments. What is going to happen to cash and credit cards? What are the various options with which we are going to pay for goods and services going forward? Change is afoot. The pandemic accelerated a lot of the innovation within the tech space as it pertains to payments and e-commerce. Our guest is Nicole Jass, Senior Vice President of Products in the Merchant Solutions group at <a href="http://www.vantiv.com">FIS</a> (NYSE: FIS). FIS is a Fortune 500 company that holds leadership positions in payment processing, financial software and banking solutions.</p><p>Nicole and I discuss the future of cash and electronic payments and changes in the world of e-commerce. Plus, are malls really going away? And yes, we discuss bitcoin!</p><p>To read more about FIS and my article about the future of fintech,<a href="http://www.fisglobal.com/fintech2030"> 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>There is no rule book when it comes to parenting. I remember when I was pregnant with my first child, a friend who’d just had her baby said to me at my shower, “Your one job is just make sure the baby stays alive.” And I thought to myself…that’s it? That’s an interesting standard. And you know what, I now totally understand where she was coming from.</p><p>On today’s show we’re talking to guest Ashley Brichter, founder and CEO of <a href="http://www.birthsmarter.com">Birthsmarter</a>, a community and digital platform providing practical wisdom and guidance to the next generation of families. Ashley is an educator, speaker, and health and wellness advocate with over a decade of experience as a doula, birth educator, solo-entrepreneur, and mom of two. With over a decade of experience supporting new parents, Ashley provides one-on-one support, group classes, lectures, and distance learning for the perinatal population and the professionals who serve them. Together we discuss the features in our health care system…issues only exacerbated by Covid, the inequities faced by Black and brown pregnant women an how families can get affordable support before and after birth.</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>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>

This week on Ask Farnoosh: How to find a financial professional who's also good with taxes? Is whole life insurance worth it? How much company stock is too much to own? Where to park cash you may need in the next 5 years for a wedding? <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>In my latest installment of my monthly NextAdvisor column “<a href="https://time.com/nextadvisor">Closing the Gap</a>,” I cover the financial inequities divorced moms face after marriage. According to the <a href="https://www.census.gov/content/dam/Census/library/publications/2020/demo/p60-269.pdf">U.S. Census Bureau</a>, as of 2018, moms lead 80% of single-parent households as primary custodians—and often bear the brunt of financial obligations.</p><p>But if we believe that time is the great equaliser and that equality - particularly <em>financial</em> equality - between men and women is critical, then a move towards equal parenting time following a divorce could support that. There are, of course, cases where either partner isn't fit to spend time with the kids or there is a history of abuse or addiction. Every family situation is individual and there is no one-size-fits-all solution.</p><p>But my guest, Emma Johnson, founder of <a href="http://www.wealthysinglemommy.com">Wealthy Single Mommy</a> and a divorced mother of two children, is a vocal champion for the assumption of 50/50 parenting, making appearances in the media and state capitols to share her evidence that joint custody can help support financial equality between parents. This episode shares her perspective.</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>One in four adults has a disability in the United States, according to the Centers for Disease Control and Prevention, yet our country and culture falls behind in supporting this community in many ways to achieve the same opportunities as everyone else. This episode explores the <em>financial</em> inequalities, specifically, as well as some of the emotional and social struggles when you're a person living with a disability, as experienced by guest and memoirist Emily Rapp Black.</p><p>Black lost her left leg at the age of six, due to a congenital birth defect. She was soon after chosen as the poster child for the March of Dimes. Her experiences living with a disability have led to the publication of several books including <em>Poster Child: A Memoir, The Still Point of the Turning World, </em>and her forthcoming book, <em>Frida Kahlo and My Left Leg </em>(June 15, 2021).</p><p>She is a former Fulbright scholar and recipient of the James A. Michener <a href="https://en.wikipedia.org/wiki/Michener_Center_for_Writers">Fellowship</a>. She is an assistant professor at the University of California, Riverside, School of Medicine. You can learn more about her at <a href="http://www.emilyrappblack.com%20">www.emilyrappblack.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>

On this week's Ask Farnoosh, listeners ask about the best ways to manage money following a divorce, how a person's job can impact a mortgage approval and where to save money that you'll want to tap five or seven years from now. Plus: How much is *too* much in savings? <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 is brought to us in partnership with Zelle.</p><p>When was the last time you used cash? Or even pulled out your wallet to pay for something? The pandemic has led to a higher adoption of payment apps and has only accelerated the growth in the industry. Cash may be King or Queen...but paper money is going the way of the dinosaur - fast. According to a new survey by Zelle, today more than 80% of consumers either use or plan to use P2P services – and nearly 1/5 (19%) of consumers began or plan to use P2P during the pandemic. You’re probably familiar with many of the P2P payments currently on the market including <a href="http://www.zellepay.com">Zelle</a>, the one that I use often. And while convenient, we need to be careful.</p><p>Our guest is the COO of Zelle, Donna Turner and she'll walk us through the safe ways to use peer to peer payments, and we’ll touch on some of the unfortunate scams that have made the news, fraud cases that have victimized users...and how to avoid them or seek a resolution.</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>

While the ultra-rich don't ever have to worry about affording their needs (or wants), they may suffer from some big problems related to being wealthy. As guest <a href="http://www.jenniferrisher.com/">Jennifer Risher </a>explains, it can be hard to maintain close relationships and come to terms with your financial reality when you're rich. In her book, <a href="https://www.amazon.com/We-Need-Talk-Memoir-Wealth/dp/1939096464">We Need to Talk: A Memoir About Wealth</a>, Risher shares her own personal journey of coming into extraordinary wealth, as well as the voices of others in her demographic and the hidden impact of wealth on identity, relationships and sense of place in the world. <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 is brought to us in partnership with Zelle.</p><p>The summer is traditionally a high season for spending. And this year it might be even more of a financial frenzy. From vacations to your kids camp, family gatherings and outdoor events, we missed out on a lot of these key experiences last summer. But now with vaccinations on the rise, hold on! I predict quite the rebound. That’s good for the economy...but what about our wallets? Today’s show we’ll discuss more of what we can expect from a consumption standpoint this summer, what will consumer behavior be like, and how to make smart money decisions in this relatively emotional time. Are there ways to save? New ways to budget? And what about sharing expenses with others? Rose Corvo, Chief Marketing Officer at <a href="http://www.zellepay.com">Zelle</a>, joins to share insights from a new survey and advice for listeners.</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>How to effectively make a financial impact towards the causes you care about most? Guests Christen Brandt and Tammy Tibbetts, who built the wildly successful nonprofit <a href="http://www.shesthefirst.org">She’s the First </a>from the ground up, discuss how to create meaningful impact in a world that so desperately needs it. Where do you begin? What causes should you focus on? How do you know if a non-profit is legitimate?</p><p>In their new book <em>Impact</em>, Brandt and Tibbetts share stories and interactive activities to help readers <strong>find their focus</strong>, <strong>identify partners</strong>, and <strong>plug into movements for long-term, systemic change</strong>. The authors will donate all their future proceeds from book sales to She’s the First indefinitely. Learn more at <a href="http://www.planyourimpact.com/">planyourimpact.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>

On this week's Ask Farnoosh: What to do when parents start interfering with your financial moves? A listener says her father-in-law, as his "dying wish," wants to see her and her husband buy a house. (Yikes!) Plus, how to best spend (or save) a raise at work, advice for establishing credit as a new resident in the U.S. Farnoosh also picks her reviewer of the week and discusses her appearance in a Netflix series! <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>

At 75 years old, fashion designer Norma Kamali continues to innovate and create impact in the industry. Discover how she has self-funded her business with no debt and her secret to creating and selling bestselling designs. Her new book is called I Am Invincible, a mantra for women taking them through every decade of their journey and guiding them into how to live their best, healthiest and most fulfilling life. <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>As featured in Farnoosh's column for <a href="https://time.com/nextadvisor/mortgages/closing-black-home-ownership-gap/">NextAdvisor,</a> guest Lisa Phillips is a real estate investor who specializes in Black communities. Rather than zero in on up-and-coming markets where you can buy low and flip high, Phillips is pouring her money into the same neighborhoods in which she was raised: predominantly Black and brown, working class towns where you can find fixer-uppers for $30,000 or less. With smart and strategic upgrades, she’s proving it’s possible to turn properties into welcoming and safe homes.</p><p>Today she is the founder of <a href="https://affordablerealestateinvestments.com/">Affordable Real Estate Investments,</a> runs the Facebook community <a href="https://www.facebook.com/groups/Sub30kMastermindGroup/">Sub30KMastermind </a>and is the author of the book <a href="https://www.amazon.com/gp/product/B07G56SNBJ/ref=as_li_qf_asin_il_tl?ie=UTF8&tag=afforealestai-20&creative=9325&linkCode=as2&creativeASIN=B07G56SNBJ&linkId=9424a7cda23fba4173a054f2f1e0e827"><em>Investing in Rental Properties for Beginners.</em></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, Farnoosh answers listeners questions about when is the 'right' time to start getting ready to buy a home, what to do with an old TSP retirement account, the truth about financial advice on TikTok and how to get over the fear of investing. <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>

Are you sensitive? Well then guess what - you have a superpower, says guest Melody Wilding, author of the new book Trust Yourself: Stop Overthinking and Channel Your Emotions at Work. Wilding draws on decades of research and client work to examine the intersection of sensitivity and achievement in the workplace and offers neuroscience-based strategies you can use to reclaim control of your life and reach your full potential. <em>Trust Yourself</em> offers concrete steps to help what Wilding calls “Sensitive Strivers” – empathetic, driven individuals—break free from stress, perfectionism, and self-doubt to achieve confidence, overcome imposter syndrome, speak and act with assertiveness, build resilience, and find the confidence to work and lead effectively. Learn more at <a href="http://www.melodywilding.com">MelodyWilding.com</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>Guest Melissa Houston shares how she secretly racked up over $100,000 in credit card debt, the day she confessed to her husband and her emotional road to recovery.</p><p>More about Melissa: She is a Certified Professional Accountant and a Business Finance Coach with over 20 years of professional experience. Melissa coaches entrepreneurs to become confident with managing the cash in their business so that they make their business more profitable. Melissa teaches her signature 5-step Cash Confident framework. </p><p>Melissa is a regular contributor with Forbes.com and Entrepreneur.com. Melissa is the host of the Think Like a CFO podcast. When Melissa isn't busy helping entrepreneurs make their business most profitable, you can find Melissa up at her cottage with her husband, 2 teenagers and 3 dogs.</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>

It's a jam-packed Ask Farnoosh Friday with questions related to President Biden's tax change proposals, whether it's OK to paint your house versus pay off student loans, how to curb the impulse to spend on outings and vacations once you're vaccinated and finally, advice for investing in art. <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 women and wealth continues with guest Rachel Rodgers, founder of <a href="http://www.helloseven.co/">HelloSeven</a> and author of the the highly anticipated book <a href="https://www.helloseven.co/live/">We Should All Be Millionaires (out May 4).</a> In her book Rachel teaches women how to make the kind of money that will give them the authority to make meaningful changes in their communities and close the opportunity gap that exists today. It’s not just about being wealthy, it’s about having a <em>mindset of wealth</em>.</p><p>More about Rachel: She is a business coach, mother, wife, intellectual property lawyer and CEO who says that according to the “State of Women-Owned Businesses” 2019 report, women own 51% of all businesses in the US but only bring in 4.2% of the revenue. For women of color, those numbers are even less.</p><p>Follow Rachel on Instagram @<a href="https://www.instagram.com/rachrodgersesq/">RachelRodgersESQ</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>Guest Catherine Alford shares advice from her new book, <a href="https://www.amazon.com/Moms-Got-Money-Millennial-Managing/dp/1119759250">Mom's Got Money: A Millennial Mom's Guide to Managing Money Like a Boss,</a> an instruction manual to help moms use the skills they already possess to become extraordinarily confident managers of their money.</p><p>More about Catherine: She is a nationally recognized financial educator who started her business with a $10 domain name and grew it into a multifaceted, six-figure digital media company. She is the creator of <a href="https://www.google.com/url?q=http%3A%2F%2Fwww.CatherineAlford.com&sa=D&source=calendar&usd=2&usg=AOvVaw2uTv9Jt9eFQg6UbbL3KPWW"><strong>www.CatherineAlford.com</strong></a>, and the co-founder of <a href="https://www.google.com/url?q=http%3A%2F%2Fwww.MillennialHomeowner.com&sa=D&source=calendar&usd=2&usg=AOvVaw18OiIXKiOTH4aJlyGl1c2f"><strong>www.MillennialHomeowner.com</strong></a><strong>. </strong>Through her work, she offers a suite of digital products and services include financial writing, public speaking, and influencer marketing all with the goal of helping women become more financially confident.</p><p>Over the years, her writing and expertise have been featured in dozens of media outlets including Good Morning America, Yahoo Finance, Forbes, U.S. News and World Report, Real Simple, The Huffington Post, Kiplinger, Investopedia, Business Insider, and many more. She currently lives just outside of Detroit, Michigan with her husband, their boy/girl twins, and a rescue dog named Julep. Follow Cat on <a href="http://www.instagram.com/catherinecalford">Instagram</a>, <a href="http://www.facebook.com/catherinecalford">Facebook </a> and <a href="https://www.twitter.com/catcalford%20">Twitter</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>

In this week's Ask Farnoosh, one listener, who is close to erasing $100,000 worth of debt, wonders how to now move onto her savings goals when she's so exhausted from her debt payoff. Another listener wonders how high-earning women invest (or should invest) their money, and is there any benefit to keeping all of your investments at one brokerage? Farnoosh weighs in. <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 in conversation with an entrepreneur named <strong>Canada’s Most Admired CEO </strong>in the growth sector. Kirk Simpson, is the co-founder and CEO of Wave Financial, an accounting software business, that was recently acquired by H&R Block for over $500 million CAD.</p><p>Like many founders, Simpson's journey didn’t come without its share of struggles and financial hardships. And today in this climate of economic difficulty and struggle for small businesses, his lessons can hopefully shed some optimism and insight to what it takes to see a business through to an acquisition. But that’s not to say that Simpson's work and his team’s work at Wave Financial is complete. </p><p>This episode is brought to us by Wave Financial at <a href="http://www.waveapps.com/">waveapps.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>What compels us to spend on certain brands over others? Guest Leslie Zane runs Triggers Brand Consulting, the first female-founded brand consultancy in the U.S..</p><p>A Harvard Business School graduate, Leslie is known in the industry for her expertise in applying brain science to branding. She was the first person to include a man in an advertisement for a baby care product. Farnoosh and Leslie discuss the "triggers" that get us to spend on certain products and services over others. Plus, Leslie's advice for women workers in today's rough job market, her own upbringing as the daughter of a Holocaust survivor and the biggest investing mistake she made.</p><p>Helpful links:</p><ul><li>Triggers® Brand Consulting – <a href="https://triggers.com/">https://triggers.com/</a></li><li>Leslie's article in Harvard Business Review - <a href="https://hbr.org/2021/02/advertisers-skip-the-platitudes-in-2021">https://hbr.org/2021/02/advertisers-skip-the-platitudes-in-2021</a></li></ul><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>

We're discussing dating, finding love and the economics of today's modern romances with Jon Birger, author of <a href="https://jonbirger.com/">Make Your Move: The New Science of Dating and Why Women Are In Charge.</a> Farnoosh and Jon discuss the perils of dating apps, the best places to find love today and why we ought to redefine the idea of an "equal" partner. <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>

Did you read the article in <a href="https://nymag.com/intelligencer/2021/04/confessions-overnight-tech-millionaire.html">New York Magazine </a>this week about the young woman who made $6 million in her start=up company's IPO? And how she's very, very troubled by it? Farnoosh and co-host Georgia Lee Hussey, founder of <a href="https://modernistfinancial.com/">Modernist Financial,</a> analyze the situation! And answer your money questions including: Should I finance IVF? and What's the best investment for a 20-something earning a steady paycheck? <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>