So Money with Farnoosh Torabi

<p>We’re diving deep into one of the most pressing financial issues of our time—student loans. If you or someone you love has ever felt the weight of student debt, wondered why the system feels so broken, or questioned what real solutions might look like, this episode is for you.</p><br><p>Joining us is <strong>Jillian Berman</strong>, a veteran financial journalist who has spent more than a decade reporting on the student loan crisis. She’s the author of the new book <a href="https://www.amazon.com/Sunk-Cost-Nations-Broken-Student/dp/0226821153/ref=sr_1_1?crid=2B64PW4L4JBU4&dib=eyJ2IjoiMSJ9.T9ZVGk2w36p4VVJFaVGx2A-4dznicnQKy4q3_v0oVKY.mC5bMoXcqK3kqnnBtQtBMyBX-7yD-jj1x1puU09arbI&dib_tag=se&keywords=Sunk+Cost%3A+Who%E2%80%99s+to+Blame+for+the+Nation%E2%80%99s+Broken+Student+Loan+System+and+How+to+Fix+It%2C&qid=1742214806&sprefix=sunk+cost+who+s+to+blame+for+the+nation+s+broken+student+loan+system+and+how+to+fix+it%2C+%2Caps%2C302&sr=8-1" rel="noopener noreferrer" target="_blank"><em>Sunk Cost: Who’s to Blame for the Nation’s Broken Student Loan System and How to Fix It</em></a>, which unpacks the history, politics, and policies that have turned student debt into a trillion-dollar burden.</p><br><p>In our conversation, Jillian and I will explore <strong>how we got here, who’s profiting from this mess, and what needs to change</strong> to make higher education more affordable and student loans less of a financial trap. We’ll also talk about recent developments—like legal challenges to loan forgiveness, changes to repayment plans, and what new threats borrowers should have on their radar.</p><br><p>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</p><p>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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>News of tariff hikes rattled the stock market this week. How to maneuver through the financial uncertainty? To help us navigate this emotional terrain, we are reairing an interview with financial therapist Aja Evans. Aja's new book, <a href="https://www.amazon.com/Feel-Good-Finance-Relationship-Emotional-Well-Being/dp/1637745435" rel="noopener noreferrer" target="_blank"><em>Feel Good Finance</em>,</a> is the guide we all need right now, offering practical strategies for untangling our money emotions and building a healthier relationship with our finances. In today’s episode, Aja will help us:</p><p><br></p><ul><li>Understand how our early experiences shape our financial habits and anxieties.</li><li>Learn how to address money conflicts in relationships with grace and communication.</li><li>Avoid rash financial decisions in moments of heightened emotion or uncertainty.</li><li>Set boundaries around social pressures and financial FOMO—whether from friends or social media.</li><li>Create practical, personalized systems for organizing and managing money that actually work for you.</li></ul><p><br></p><p>Sign up for <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Farnoosh’s free Investing Blueprint</a></p><p>Follow on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a></p><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Leave a review on <a href="https://podcasts.apple.com/us/podcast/so-money-with-farnoosh-torabi/id955939085" rel="noopener noreferrer" target="_blank">Apple Podcasts</a></p><p>Order Farnoosh’s new book, <a href="http://www.ahealthystateofpanic.com/" rel="noopener noreferrer" target="_blank">A Healthy State of Panic</a></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>Menopause used to be a whispered word, something women were expected to endure quietly. But that’s changing—and fast. Women are reclaiming this stage of life, demanding better care, and rewriting the narrative. And leading the charge is my guest today, Emmy-winning journalist and menopause advocate, Tamsen Fadal.</p><br><p>With a career spanning over three decades in television news, Tamsen has transitioned her focus towards empowering women navigating midlife changes.Her latest endeavor, the book <a href="https://www.amazon.com/How-Menopause-Charge-Health-Reclaim/dp/0306833549/ref=sr_1_3?dib=eyJ2IjoiMSJ9.oligfvJ3ki8FyJaD5xK3pH_KAGajO7WXFN3R9RY4vGXDiVk705rvmaQzimhXDYWTFMcPwECe5A3xzKqlVrXUuNOHeAcfHvAqYP-tEGfLD6nL9g1gOCvPM637XHfXDG5Rx_M3zGVPu3eSNFrO-dS7Mc5zcHwbQlSH40tUvWxUlXld3-ulz8tw3_mbwcATyfsrIdJjcSU8mwBzHbAK8bmnIc_kxo-JQVHuf86xuG7DSWo.DrUzuDXLRN9WEMdglRsapKgqrN2_xsaF3LK7-EdhSnA&dib_tag=se&hvadid=717186760214&hvdev=c&hvexpln=67&hvlocphy=9003498&hvnetw=g&hvocijid=2616877545561024700--&hvqmt=b&hvrand=2616877545561024700&hvtargid=kwd-2548091204112&hydadcr=15521_13558544&keywords=how+to+menopause+book&mcid=43f02b42a52035f1a21cc1862990c7ab&qid=1741810535&sr=8-3" rel="noopener noreferrer" target="_blank"><em>How to Menopause: Take Charge of Your Health, Reclaim Your Life, and Feel Even Better Than Before</em>,</a> serves as a comprehensive guide to help women manage the multifaceted aspects of menopause.</p><br><p>Receive <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Farnoosh’s free Investing Blueprint</a></p><p>Follow on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a></p><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Leave a review on <a href="https://podcasts.apple.com/us/podcast/so-money-with-farnoosh-torabi/id955939085" rel="noopener noreferrer" target="_blank">Apple Podcasts</a></p><p>Order Farnoosh’s new book, <a href="http://www.ahealthystateofpanic.com/" rel="noopener noreferrer" target="_blank">A Healthy State of Panic</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 if the dream you’ve been chasing—the one you’re sure will bring you happiness—turns out to be a myth?</p><br><p>Today’s guest, <a href="https://www.samvanderwielen.com/" rel="noopener noreferrer" target="_blank">Sam Vander Wielen</a>, knows this feeling firsthand. She was a successful corporate lawyer who believed that starting her own business would finally make her happy. But when she left law to become an entrepreneur, she realized that fulfillment doesn’t come from business success alone—it’s something you have to cultivate for yourself.</p><br><p>Sam is now a leading legal educator for online entrepreneurs, helping business owners legally protect their work and scale sustainably. She’s the founder of Sam Vander Wielen LLC, where she’s helped over 350,000 entrepreneurs with DIY legal templates and business education, and she’s the host of the podcast <em>On Your Terms®</em>. Her new book, <a href="https://www.amazon.com/When-Start-Business-Happy-Entrepreneurship/dp/1538767384?crid=204D04XRXHWUP&dib=eyJ2IjoiMSJ9.0eDMRlIUui6KDj6aKfMB3SBk3IQx_AT-0YPEr44q8TqB2FkX0h6n5Lu0wf6EQkzYG0RMrTeBMWTVpRFvzlXRMfWRDIxt-9ZmOLvVhFWgxdrpbCJ2960JWyJKTk-Ib_8Yhgd5pDwEm6VUGAyTqL4LlCmQU7BJA3-5b8c8LNgBOxNH9CU1E-hZZBMqxLC_zdFM1QFZWPfEvgmUbo7ARlKO96lb1snCR_N61XPv6-Oiiks.Pgq0uRN5WJzozLhB06Yw_GjhU3nsM4-PO3FwS-BhtyA&dib_tag=se&keywords=when+i+start+my+business&qid=1735848645&sprefix=when+i+start+my+busines,aps,151&sr=8-1&linkCode=sl1&tag=hyggwell-20&linkId=20e15cfb3a4a5a455f6a0592a410bd00&language=en_US&ref_=as_li_ss_tl" rel="noopener noreferrer" target="_blank"><em>When I Start My Business, I’ll Be Happy</em></a>?, takes readers inside her journey and reveals what it really takes to build a fulfilling, profitable business—without burning out or falling into the trap of tying your self-worth to your work.</p><br><p>Today, Sam and I talk about the biggest mindset mistakes new entrepreneurs make, why your business shouldn’t be your identity, and the practical legal steps every online business owner needs to take to stay protected. Plus, she shares insights on pricing strategies, marketing in the age of AI, and what actually works when scaling a business.</p><br><p>Receive <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Farnoosh’s free Investing Blueprint</a></p><p>Follow on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a></p><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Leave a review on <a href="https://podcasts.apple.com/us/podcast/so-money-with-farnoosh-torabi/id955939085" rel="noopener noreferrer" target="_blank">Apple Podcasts</a></p><p>Order Farnoosh’s new book, <a href="http://www.ahealthystateofpanic.com/" rel="noopener noreferrer" target="_blank">A Healthy State of Panic</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>Farnoosh Torabi welcomes back Georgia Lee Hussey, founder of <a href="https://modernistfinancial.com" rel="noopener noreferrer" target="_blank">Modernist Financial</a>, to discuss a range of financial topics amid current political and economic uncertainties. They examine President Trump's tariff proposals and the theory that they might be engineered to induce a recession for lower interest rates. The conversation extends to the importance of vigilance in financial contracts and professional services amid deregulation efforts. Georgia advises on maintaining financial stability by using credit unions and thoughtful money management. Listener questions cover housing arrangements with partners, Health Savings Accounts (HSAs), and the significance of ancestral wisdom in financial decision-making. The episode emphasizes strategic financial planning, resourcefulness, and the potential benefits of credit unions and diversified investments.</p><br><p>Resources:</p><p><a href="https://modernistfinancial.com/money-toolkit" rel="noopener noreferrer" target="_blank">Free Tools for the People</a></p><p>Receive <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Farnoosh’s free Investing Blueprint</a></p><p>Follow on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a></p><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Leave a review on <a href="https://podcasts.apple.com/us/podcast/so-money-with-farnoosh-torabi/id955939085" rel="noopener noreferrer" target="_blank">Apple Podcasts</a></p><p>Order Farnoosh’s new book, <a href="http://www.ahealthystateofpanic.com/" rel="noopener noreferrer" target="_blank">A Healthy State of Panic</a></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>This episode is brought to you by Chase. Social media scams are on the rise and it’s important we know how to spot the tell-tale signs and how to protect our information and money from scams. Visit <a href="http://www.chase.com/dontgetreeledin" rel="noopener noreferrer" target="_blank">Chase.com/DontGetReeledIn</a> to learn more.</p><br><p>We're turning our attention to the rise of social media scams and how we can protect ourselves from phishing and impersonation scams to fake ads, quizzes, and job posts. The numbers are staggering. Scammers are targeting everything from fake event tickets and rental properties to counterfeit products. These scams are becoming harder to detect. For more on this, I've invited Darius Kingsley on the show.</p><br><p>Darius is head of consumer banking practices at Chase based in New York. Darius leads efforts to protect Chase's customers from fraud and scams. He's also responsible for supporting Chase's elder customers and leading sustainability initiatives. In our conversation, we're going to get into how scammers use all sorts of social media platforms to target unsuspecting victims, how artificial intelligence and technology have changed their tactics and how we can protect ourselves. We'll also talk about the safest payment methods to use when shopping online and what steps to take if you fall victim to a scam.</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><em>Imagine this: You’re nine months pregnant, shopping for a crib at IKEA, when suddenly—a massive earthquake hits. No phone. No keys. No way to reach your family. Just the immediate reality of survival.</em></p><br><p>That’s the premise of <a href="https://www.amazon.com/Tilt-Novel-Emma-Pattee/dp/1668055473" rel="noopener noreferrer" target="_blank"><em>Tilt</em></a>, a gripping new novel that forces us to ask: <strong>How does financial precarity shape our survival?</strong> What happens when class determines who makes it out—and who doesn’t?</p><br><p>Today, I’m talking to award-winning journalist and climate crisis storyteller Emma Pattee, whose novel <em>Tilt</em> is as much about disaster as it is about <strong>money, resilience, and the choices we make when everything changes in an instant.</strong></p><br><p>We’re unpacking the financial fears that show up in moments of crisis, why money is a survival tool, and the hidden ways class shapes disaster response. Plus, Emma shares her own experiences with money and motherhood—things she <em>wishes</em> she had known before having kids.</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>Farnoosh answers financial questions from viewers, covering topics such as the pros and cons of the National Debt Relief Program, the impact of selling individual stocks for index funds, and strategies for recent graduates entering the job market. The discussion also includes advice on saving strategies, including automated contributions and side hustles. Additional questions addressed include navigating a severance package post-layoff, COBRA insurance options, and the best methods for investing money either incrementally or as a lump sum. Lastly, the importance of broadening job searches and making the most of living with family to save on housing costs is emphasized.</p><br><p>Sign up for <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Farnoosh’s free Investing Blueprint</a></p><p>Follow on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a></p><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Leave a review on <a href="https://podcasts.apple.com/us/podcast/so-money-with-farnoosh-torabi/id955939085" rel="noopener noreferrer" target="_blank">Apple Podcasts</a></p><p>Order Farnoosh’s new book, <a href="http://www.ahealthystateofpanic.com/" rel="noopener noreferrer" target="_blank">A Healthy State of Panic</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>Most couples struggle to get on the same page regarding money and relationships. Less than 40% of married couples discuss their finances in detail—a staggering statistic that often leads to miscommunication, conflict, and, for some, divorce. But today’s guests, Jessica and Brandon Norwood, are trying to change that narrative.</p><br><p>Jessica and Brandon are the dynamic duo behind <a href="https://www.thesugardaddypodcast.com/" rel="noopener noreferrer" target="_blank"><em>The Sugar Daddy Podcast</em></a>, a show dedicated to helping millennials break the stigma around money conversations and build wealth as a team. As a married couple who have navigated everything from student loans to merging their financial lives, they bring a wealth of personal and professional insight. Jessica, a tech professional and the breadwinner in their family, and Brandon, a licensed financial planner, have developed a proven 5-step framework for creating financial harmony in relationships.</p><br><p>In this episode, we dive into:</p><p><br></p><ul><li><strong>The importance of shared values and financial alignment</strong>—why dreaming big as a couple is key.</li><li><strong>Tackling financial dealbreakers</strong>—and why financial infidelity might be a red flag you can’t ignore.</li><li><strong>What it’s like being a female breadwinner</strong>—and how Jessica and Brandon embrace modern parenthood and partnership.</li><li><strong>And a bold take on affording kids</strong>—why waiting for financial “readiness” might mean you’ll never leap.</li></ul><p><br></p><p>Check out <a href="https://www.canva.com/design/DAGXnezpcVY/27fFtTFtlVNFbtbf0kKQ9w/watch?utm_content=DAGXnezpcVY&utm_campaign=designshare&utm_medium=link2&utm_source=uniquelinks&utlId=h8932a1eb0e" rel="noopener noreferrer" target="_blank">this download</a> to better understand the couple's D.R.E.A.M Framework for navigating money in your relationship.</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>Known for his no-nonsense approach to money and his former role as a Ramsey Solutions personality, guest Anthony O'Neal has helped millions take control of their finances. He has written several books, including his latest, <a href="https://www.amazon.com/Take-Your-Seat-Table-Authentic/dp/1400250064" rel="noopener noreferrer" target="_blank"><em>Take Your Seat at the Table</em>,</a> where he empowers readers to create a vision for their lives and build wealth on their terms.</p><br><p>In this episode, Anthony shares his remarkable journey from being a 19-year-old drowning in $35,000 of debt to becoming debt-free and building a seven-figure business. He opens up about his time working with Dave Ramsey, how it influenced his financial philosophy, and why he eventually decided to strike out on his own to bring financial education to underserved communities.</p><br><p>You’ll learn:</p><p><br></p><ul><li>The money mistakes Anthony made at 19 and how he turned his life around.</li><li>The importance of avoiding consumer debt and focusing on building assets.</li><li>How faith and purpose are pivotal in Anthony’s financial teachings.</li><li>Why creating a clear vision for your life is the first step to achieving financial freedom.</li><li>Practical steps for eliminating debt, building generational wealth, and owning your financial life.</li></ul><p><br></p><p>Sign up for <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Farnoosh’s free Investing Blueprint</a></p><p>Follow on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a></p><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Leave a review on <a href="https://podcasts.apple.com/us/podcast/so-money-with-farnoosh-torabi/id955939085" rel="noopener noreferrer" target="_blank">Apple Podcasts</a></p><p>Order Farnoosh’s new book, <a href="http://www.ahealthystateofpanic.com/" rel="noopener noreferrer" target="_blank">A Healthy State of Panic</a></p><br><p>This episode originally aired on January 8, 2025.</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>In this week's Ask Farnoosh episode, we tackle three major financial dilemmas from listeners: <strong>Setting Boundaries as a Daughter of Immigrants, Avoiding Financial Dependence on a Partner</strong> and <strong>Knowing When to Walk Away from a Business. </strong>Plus, a behind-the-scenes update on <em>The Montclair Pod</em>, and reflections on launching a new show 10 years after <em>So Money.</em></p><br><p><strong>Resources & Links:</strong></p><ul><li>Listen to <a href="https://montclairpod.com/" rel="noopener noreferrer" target="_blank"><em>The Montclair Pod</em></a></li><li>Join <a href="http:///www.booktobrand.co" rel="noopener noreferrer" target="_blank"><em>Book to Brand</em> </a>workshop in NYC (March 7)</li><li>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</li><li>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</li><li>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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>

<p>Today we’re catching up with the incredible Jannese Torres, host of <a href="https://yoquierodineropodcast.com/" rel="noopener noreferrer" target="_blank">Yo Quiero Dinero</a> podcast and trust me—she’s had a <em>year</em>. Since her last visit, she’s launched her book <a href="https://www.amazon.com/Financially-Lit-Modern-Latinas-Poderosa/dp/1538741660" rel="noopener noreferrer" target="_blank"><em>Financially Lit</em>,</a> traveled the country on a book tour <em>while secretly pregnant</em>, became a mom, got engaged, and even bought a house.</p><br><p>But that’s just the beginning. In this conversation, we dive into how financial independence has reshaped her life as a new parent, her approach to building wealth while growing a family, and—something we don’t talk about nearly enough—how she and her fiancé have structured their finances now that he’s a stay-at-home parent <em>on her payroll</em>.</p><br><p>From prenups to parenthood, from self-employment hacks to the real cost of giving birth (wait until you hear her hospital bill), Jannese gets <em>real</em> about the financial and emotional shifts that come with these big life changes.</p><br><p>Register for Farnoosh's next <a href="https://booktobrand.co/" rel="noopener noreferrer" target="_blank">Book to Brand</a> workshop.</p><p>Check out Farnoosh's new hyperlocal podcast <a href="https://montclairpod.com/" rel="noopener noreferrer" target="_blank">The Montclair Pod</a></p><p>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</p><p>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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 Brittany Wilson started listening to So Money in 2020 when she realized she needed to take charge of her finances. She grew up with little financial literacy and took on high-interest student loans without knowing what she was signing up for. But once she made the decision to educate herself, everything changed.</p><br><p>Since then, Brittany has increased her salary by $42,000, fully funded her emergency savings, diversified her investments, started a side business, and—perhaps most importantly—helped her mom open her very first Roth IRA. Last year, she took one of the biggest leaps of her life: quitting her job to run her career coaching business, <a href="https://www.careercandor.co/" rel="noopener noreferrer" target="_blank"><strong>Career Candor</strong></a>, full-time.</p><br><p>In today’s conversation, we discuss Brittany’s financial transformation, how she navigated job loss and used it as a catalyst for entrepreneurship, and her top career coaching advice—including how AI is changing the hiring process. We also talk about the emotional side of money, the power of financial friendships, and why helping others—especially the women in our lives—can be one of the most rewarding financial moves we make.</p><br><p>Register for Farnoosh's next <a href="https://booktobrand.co/" rel="noopener noreferrer" target="_blank">Book to Brand</a> workshop.</p><p>Check out Farnoosh's new hyperlocal podcast <a href="https://montclairpod.com/" rel="noopener noreferrer" target="_blank">The Montclair Pod</a></p><p>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</p><p>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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>Farnoosh reflects on turning 45—what’s changing in her mindset around money, career, and personal growth, and the biggest financial lessons she's carrying into this next phase of life. From the mailbag, Farnoosh tackles two important listener questions—one from a 60-year-old attorney wondering how to catch up on retirement savings after prioritizing family caregiving, and another from a listener strategizing their Backdoor Roth IRA while juggling old 401(k accounts.</p><br><p>Register for Farnoosh's next <a href="https://booktobrand.co/" rel="noopener noreferrer" target="_blank">Book to Brand</a> workshop.</p><p>Check out Farnoosh's new hyperlocal podcast <a href="https://montclairpod.com/" rel="noopener noreferrer" target="_blank">The Montclair Pod</a></p><p>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</p><p>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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>Today, we’re diving deep into the <em>real</em> barriers that prevent many of us from achieving financial freedom—and spoiler alert, it’s not just about the dollars and cents. My guest is <a href="https://jessicamoorhouse.com/" rel="noopener noreferrer" target="_blank">Jessica Moorhouse</a>, financial counselor, speaker, and now author of the highly-anticipated new book, <a href="https://www.amazon.com/Everything-but-Money-Barriers-Financial/dp/1443472174" rel="noopener noreferrer" target="_blank"><em>Everything But Money: The Hidden Barriers </em></a><em>Between You and Financial Freedom</em>. In her work, Jessica uncovers how trauma, shame, and our earliest experiences with money shape the way we earn, save, and spend today.</p><p>Whether it's that nagging sense of guilt when you earn more than your parents or the fear of spending because of a scarcity mindset, these hidden barriers can quietly hold us back for years. Jessica helps us understand where these money blocks come from, how they manifest in our adult lives, and—most importantly—how to start healing from them.</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 does it really take to launch a big idea—one that can change your career, business, or even the world? Is being a visionary enough, or is there a hidden formula for success? Guest Jen Kem says it's all about building the right "unicorn team." But here’s the twist: even if you’re a solopreneur or running a small business—like me—this book is still for you. Jen’s framework isn’t about having a massive team; it’s about understanding the roles and energies you bring to your work and how to fill in the gaps to achieve success faster and with less burnout.</p><br><p>Jen is a brand strategist, entrepreneur, and author of <a href="https://unicornteambook.com/" rel="noopener noreferrer" target="_blank"><em>Unicorn Team: The Nine Leadership Types You Need to Launch Your Big Ideas with Speed and Success.</em></a> With a career working on iconic initiatives for companies like Microsoft, Coca-Cola, and Oracle, she’s now revealing how big ideas succeed—not just through visionaries, but through the right mix of leaders who execute and get results.</p><br><p>We'll learn how to identify your own leadership type, how even a solo effort can become a "team" by leveraging the right resources, and hear the inspiring story of how a small team at Moderna outpaced industry giants to lead the charge on a life-saving vaccine.</p><br><p>Register for Farnoosh's next <a href="https://booktobrand.co/" rel="noopener noreferrer" target="_blank">Book to Brand</a> workshop.</p><p>Check out Farnoosh's new hyperlocal podcast <a href="https://montclairpod.com/" rel="noopener noreferrer" target="_blank">The Montclair Pod</a></p><p>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</p><p>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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 week on Ask Farnoosh, a listener is grappling with over $100,000 in student loan debt. What is the best way to pay this off fast?</p><p>We also hear from a longtime listener and how she managed to triple her income, pay down debt and save over $400,000 for retirement while listening to So Money.</p><br><p>Check out Farnoosh's new hyperlocal podcast <a href="https://montclairpod.com/" rel="noopener noreferrer" target="_blank">The Montclair Pod</a></p><p>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</p><p>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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>If you're dreaming of your next adventure but worried about the price tag, you've come to the right place! All this week on the podcast, we're diving deep into travel tips, tricks, and money-saving strategies. Earlier, we heard from Brian Kelly, founder of The Points Guy, on how to maximize travel rewards and cut costs on flights and hotels.</p><p>Today, we're keeping the momentum going with another expert traveler, <strong>Matthew Kepnes</strong>, aka Nomadic Matt. His <em>New York Times</em> bestselling book, <a href="https://www.amazon.com/How-Travel-World-75-Day/dp/1637746644" rel="noopener noreferrer" target="_blank"><em>How to Travel the World on $75 a Day</em>,</a> is now in its fourth edition. We talk about everything from affordable travel destinations and hidden local gems to travel logistics, like minimizing ATM and credit card fees abroad.</p><br><p>Check out Farnoosh's new hyperlocal podcast <a href="https://montclairpod.com/" rel="noopener noreferrer" target="_blank">The Montclair Pod</a></p><p>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</p><p>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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>Today, we're diving into the world of travel and points with none other than Brian Kelly, a long-time friend of the show and the founder of <a href="https://thepointsguy.com/credit-cards/best-pm/?utm_source=google&utm_medium=cpc&utm_campaign=BRD1-Other-the%20points%20guy-650673813728&utm_term=the%20points%20guy&utm_cmpid=19788135328&utm_adgid=147184127176&utm_tgtid=aud-2277854002789:kwd-50590404027&utm_mt=e&utm_adid=650673813728&utm_dvc=c&utm_ntwk=g&utm_adpos=&utm_plcmnt=&utm_locphysid=9003498&utm_locintid=&utm_feeditemid=&utm_devicemdl=&utm_plcmnttgt=&utm_misc=&utm_ltpcid=CjwKCAiA74G9BhAEEiwA8kNfpWBB3FuX4wjBYelFZ3RvpUmIKPGH-JqR10HS6y-jMEeZSfXBTyN5ihoC2A0QAvD_BwE&utm_paid=-pm&gad_source=1&gclid=CjwKCAiA74G9BhAEEiwA8kNfpWBB3FuX4wjBYelFZ3RvpUmIKPGH-JqR10HS6y-jMEeZSfXBTyN5ihoC2A0QAvD_BwE" rel="noopener noreferrer" target="_blank">The Points Guy</a>. Brian is here to talk about his new book, <a href="https://www.amazon.com/How-Win-Travel-Brian-Kelly/dp/1668068656" rel="noopener noreferrer" target="_blank"><em>How to Win at Travel</em>,</a> a guide that helps you unlock all the secrets to mastering the points game, maximizing travel perks, and scoring luxury experiences without luxury price tags. We'll cover:</p><p><br></p><ul><li>Why Brian calls this era the <strong>"platinum age of travel"</strong> and how to take full advantage of it.</li><li>The biggest mistakes travelers make with airline and hotel bookings—and how to avoid them.</li><li>How to <strong>leverage rewards credit cards</strong> strategically to score free business-class trips to Europe.</li><li>The top <strong>tech tools</strong> to help you find the best award flights and travel deals with minimal effort.</li><li>Insider tips on travel insurance, packing, and even why you should throw an Apple AirTag into your luggage!</li></ul><p><br></p><p>Check out Farnoosh's new hyperlocal podcast <a href="https://montclairpod.com/" rel="noopener noreferrer" target="_blank">The Montclair Pod</a></p><p>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</p><p>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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>In this Ask Farnoosh episode, Farnoosh tackles your most pressing money questions, including strategies for managing investments in midlife. Also: How to decide what to do with an inherited investment—evaluate options, minimize taxes, and make the most of the windfall. Plus, we explore other listener questions on building financial security for the long haul.</p><br><p>In the show:</p><p><a href="https://www.nerdwallet.com/m/credit-cards/excellent-low-interest-credit-cards?bucket_id=Low+Interest+-+Desktop&gad_source=1&gclid=Cj0KCQiAhvK8BhDfARIsABsPy4iJqqpLE4BOksdYnhRAtX6Safn9yvpzLPDWRT72aNTFYr_GiVDc14saAnm8EALw_wcB&gclsrc=aw.ds&mktg_body=153202&mktg_hline=613802&mktg_place=5&model_execution_id=3989FF1A-8646-4F20-BFB2-97029036A725&nw_campaign_id=1600576&utm_campaign=cc_mktg_paid_070924_zerointroapr_alpha&utm_content=ta&utm_medium=cpc&utm_source=goog&utm_term=best+0+apr+credit+cards" rel="noopener noreferrer" target="_blank">Best 0% APR credit cards</a></p><p><a href="https://www.youtube.com/watch?v=waHjBOQNV3Y" rel="noopener noreferrer" target="_blank">Farnoosh's Bloomberg News segment</a></p><p><a href="https://podcast.farnoosh.tv/episode/annie-dickerson-and-julie-lam/" rel="noopener noreferrer" target="_blank">Real estate crowdfunding</a></p><p>Check out Farnoosh's new hyperlocal podcast <a href="https://montclairpod.com/" rel="noopener noreferrer" target="_blank">The Montclair Pod</a></p><p>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</p><p>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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>A new survey sponsored by <a href="https://t.fine-cherries.com/b?y=49ii4eh26orjgd1i74q3cdhn65hj2p1g65h32phhc9i66ph25gh748hq49k78t3g78niutrnesn6gtbcegn6ap3l5sh0====" rel="noopener noreferrer" target="_blank">Hult International Business School</a>  finds that a growing number of employers say they’d prefer to automate entry-level jobs rather than hire a recent college graduate. AI is changing the job market <em>faster</em> than any of us imagined—reshaping not just who gets hired, but whether certain jobs even <em>exist</em> in the future.</p><br><p>My guest today is <a href="https://danschawbel.com/" rel="noopener noreferrer" target="_blank"><strong>Dan Schawbel</strong>, </a>a <em>New York Times</em> bestselling author, workplace expert, and managing partner at Workplace Intelligence. Dan has been tracking workplace trends for over a decade, advising companies on the future of work, and in his latest research, the results are <em>terrifying</em>. Not only are companies rethinking the value of a college degree, but some are outright saying they'd rather hire ChatGPT.</p><br><p>So what does this mean for workers? Which jobs are actually <em>safe</em> from automation? And if you’re in college right now—or raising kids who might be one day—how do you ensure your education <em>actually</em> pays off?</p><br><p>Check out Farnoosh's new hyperlocal podcast <a href="https://montclairpod.com/" rel="noopener noreferrer" target="_blank">The Montclair Pod</a></p><p>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</p><p>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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><a href="https://www.annelysewealth.com/" rel="noopener noreferrer" target="_blank">Anne-Lyse Ngatta</a> (aka Anne-Lyse Wealth), a personal finance writer, podcaster, and former CP, rejoins the podcast with a very important story to share—her journey of overcoming stage 3 triple-negative breast cancer. In this episode, we’ll dive into her experience of self-diagnosing her illness, advocating for herself within the healthcare system, and navigating the challenges of treatment. Anne-Lyse also shares her powerful advice on why securing life insurance is a critical part of protecting yourself and your family, especially when life takes unexpected turns. Beyond her battle with cancer, she opens up about how the experience reshaped her outlook on life—focusing more on living in the moment than planning for the future.</p><br><p>Learn more about <a href="https://www.annelysewealth.com/" rel="noopener noreferrer" target="_blank">Anne-Lyse.</a></p><p>Check our her article in <a href="https://www.forbes.com/sites/anne-lysengatta/2024/10/01/why-you-should-get-life-insurance-before-you-develop-a-chronic-illness/" rel="noopener noreferrer" target="_blank">Forbes</a> about securing life insurance.</p><p>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</p><p>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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>Introducing Farnoosh's latest offering in the podcast universe: <a href="http://www.montclairpod.com" rel="noopener noreferrer" target="_blank">The Montclair Pod</a>, a hyper local podcast centered on the news, culture and issues within Montclair, New Jersey. </p><br><p>In this episode, Farnoosh and co-hosts explore the local implications of President Donald Trump’s second term. With Montclair overwhelmingly voting for Kamala Harris, we examine the town’s political identity and how it contrasts with broader trends, including New Jersey’s rightward shift in the 2024 election.</p><br><p>The episode begins with voices from the community with a visit to Tierney’s Tavern on Inauguration Day. The hosts discuss the dynamics of political affiliation in a predominantly liberal town, including insights from <a href="https://www.linkedin.com/in/michaeldbyrne/" rel="noopener noreferrer" target="_blank">Michael D. Byrne</a>, Chairman of the Montclair Republican County Committee. Byrne sheds light on the challenges faced by local Republicans and the aspects of Trump’s leadership that resonate with his supporters.</p><br><p>The show also explores the ripple effects of Trump's policy proposals from immigration enforcement to the possible dismantling of the Department of Education. Guests, include <a href="https://www.montclair.edu/profilepages/view_profile.php?username=vimoj" rel="noopener noreferrer" target="_blank">Dr. Jackie Vimo</a>, an Assistant Professor of Political Science and Law and Montclair State University and Montclair Board of Education member <a href="https://jadaroman4boe.com/" rel="noopener noreferrer" target="_blank">Jada Roman</a>.</p><br><p>Finally, the episode spotlights Gabriela Tutalo, owner of the boutique <a href="https://www.solanoexp.com/" rel="noopener noreferrer" target="_blank">Solano</a>. She shares her concerns about tariffs on imported goods, offering a glimpse into the resilience and creativity of small business owners adapting to economic challenges.</p><br><p><strong>**Subscribe, leave a review, and please share your thoughts by leaving a voicemail at </strong><a href="http://montclairpod.com/" rel="noopener noreferrer" target="_blank"><strong>MontclairPod.com</strong></a>. Follow on <a href="https://www.instagram.com/themontclairpod" rel="noopener noreferrer" target="_blank"><strong>Instagram</strong></a>. <strong>Email us at [email protected]** </strong></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>Georgia Lee Hussey, Certified Financial Planner and founder of <a href="https://modernistfinancial.com/" rel="noopener noreferrer" target="_blank">Modernist Financial</a>, joins the program. Learn how to navigate the stock market when analysts predict slower growth over the next 10 years, how to choose the right 529 plan for your child’s education, and a new way to think about the economic value of stay-at-home parenting. </p><br><p>Join Farnoosh's <a href="https://us06web.zoom.us/meeting/register/b1lvWQm-TLyclSilycsWSw" rel="noopener noreferrer" target="_blank">free info session for Book to Brand</a></p><p>Check out her new hyperlocal podcast <a href="https://montclairpod.com/" rel="noopener noreferrer" target="_blank">The Montclair Pod</a></p><p>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</p><p>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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>As we kick off 2025, a year already marked by uncertainty with a new presidential term underway, many of us are feeling a mix of anxiety and hesitation about our financial futures. From proposed tax changes to shifts in education and immigration policies, the ripple effects on our wallets are undeniable.</p><br><p>To help us navigate this emotional terrain, we welcome back financial therapist Aja Evans. Aja's new book, <a href="https://www.amazon.com/Feel-Good-Finance-Relationship-Emotional-Well-Being/dp/1637745435" rel="noopener noreferrer" target="_blank"><em>Feel Good Finance</em>,</a> is the guide we all need right now, offering practical strategies for untangling our money emotions and building a healthier relationship with our finances. In today’s episode, Aja will help us:</p><p><br></p><ul><li>Understand how our early experiences shape our financial habits and anxieties.</li><li>Learn how to address money conflicts in relationships with grace and communication.</li><li>Avoid rash financial decisions in moments of heightened emotion or uncertainty.</li><li>Set boundaries around social pressures and financial FOMO—whether from friends or social media.</li><li>Create practical, personalized systems for organizing and managing money that actually work for you.</li></ul><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>This episode originally aired on November 17, 2024.</p><br><p>As we enter a second Trump administration, there’s growing concern over the future of climate policies. With environmental protection on the chopping block, it’s never been more critical for individuals to take action where they can—through their spending, saving, and investing choices. Today’s conversation with financial author Kara Perez couldn’t come at a better time. Kara is the founder of <a href="https://bravelygo.co/about/" rel="noopener noreferrer" target="_blank">Bravely Go</a> and the author of her debut book, <a href="https://www.amazon.com/Green-Money-Reduce-Wealth-Create/dp/1394274092" rel="noopener noreferrer" target="_blank"><em>Green Money</em></a>, where she offers a roadmap for how we can use our money to create meaningful change, even in the face of policy setbacks.</p><br><p>Join the<a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"> So Money Members Club</a>.</p><p>Download Farnoosh’s<a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"> free investing blueprint</a>.</p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a>.</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>In this episode of <em>So Money</em>, Farnoosh answers a variety of listener questions including how to manage finances during a job transition and prioritize severance pay, Should you ever pause 401(k) contributions? Also: The best time to execute stock options and how to qualify for a mortgage as an entrepreneur. </p><br><p>Sign up for Farnoosh’s free <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Investing Blueprint</a></p><p>Follow on <a href="https://open.acast.com/networks/6560bcc39b92aa0012b2e955/shows/65675c71c3ca8a0012804645/episodes/www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a></p><p>Join the <a href="https://open.acast.com/networks/6560bcc39b92aa0012b2e955/shows/65675c71c3ca8a0012804645/episodes/www.somoneymembers.com" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Register for <a href="http://www.booktobrand.co" rel="noopener noreferrer" target="_blank">Book to Brand</a></p><p>Leave a review on <a href="https://podcasts.apple.com/us/podcast/so-money-with-farnoosh-torabi/id955939085" rel="noopener noreferrer" target="_blank">Apple Podcasts</a></p><p>Order Farnoosh’s new book, <a href="https://www.amazon.com/Healthy-State-Panic-Follow-Wealth/dp/1982199202/ref=sr_1_1?crid=YXNDFSGKUPYA&dib=eyJ2IjoiMSJ9.P7uLuctqWBi5jH0tdFO1XjBeZLtc6PqADpXozto_uyO8dtuygmLVZtsfs7JS5RDloTdI9uCCecaratU_7bBXAxF4964Pa0XDPqiEeoPoopp8K3LkDxbCKFQB3zSVLVkNeimG2bBMOFK6RwvJEfmzzYZJrDAw8EELpsuNmgFuAyzKLMK1_Ie0kb1A9oFcDCpcmQUHeGOopuMTVHxsQMtPpINhBpvcOEUqA0afdiuMkcg.xoTAnvr2HxtiBPY2M_u244WnYB2aZr25bbxXwKsxC6E&dib_tag=se&keywords=a+healthy+state+of+panic&qid=1736803207&s=books&sprefix=a+healthy+state+of+panic%2Cstripbooks%2C106&sr=1-1" rel="noopener noreferrer" target="_blank">A Healthy State of Panic</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>Today’s episode is for anyone who’s seriously considered packing their bags and leaving the United States. Whether it's for a better quality of life, a slower pace, or political reasons, moving abroad is a dream for many, but it’s also a complex journey.</p><br><p>Joining us is <a href="https://stacyennis.com/" rel="noopener noreferrer" target="_blank"><strong>Stacy Ennis,</strong></a> bestselling author, writing coach, and expat living in Portugal. Stacy has lived in four countries outside the U.S., and she’s become an unofficial expert on relocating abroad sustainably, not impulsively.</p><br><p>In our conversation, we’ll dive into the practical, financial, and emotional realities of moving abroad. What are the biggest challenges? How do you ensure you're making this move for the right reasons? And what misconceptions do Americans often have about living in another country? If you’ve ever dreamed of starting over in a beachside town or exploring a new culture, Stacy’s insights are invaluable.</p><br><p>Sign up for <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Farnoosh’s free Investing Blueprint</a></p><p>Follow on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a></p><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Leave a review on <a href="https://podcasts.apple.com/us/podcast/so-money-with-farnoosh-torabi/id955939085" rel="noopener noreferrer" target="_blank">Apple Podcasts</a></p><p>Order Farnoosh’s new book, <a href="http://www.ahealthystateofpanic.com/" rel="noopener noreferrer" target="_blank">A Healthy State of Panic</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 explore the power of career pauses with <strong>Neha Ruch</strong>, founder of <strong>Mother Untitled</strong> and author of <a href="https://www.amazon.com/Power-Pause-Career-Kids-Stronger/dp/0593716183" rel="noopener noreferrer" target="_blank"><em>The Power Pause: How to Plan a Career Break After Kids</em></a><em> and Come Back Stronger Than Ever</em>. Neha is on a mission to rebrand the title “stay-at-home mom” and shift the narrative around career breaks from one of sacrifice to one of empowerment.</p><br><p>We dive into how parents can intentionally plan for a career pause, create financial security, and use this time to grow both personally and professionally. Neha offers practical strategies for navigating societal perceptions, fostering meaningful connections, and eventually returning to work with confidence.</p><br><p>Sign up for Farnoosh’s free <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Investing Blueprint</a></p><p>Follow on <a href="https://open.acast.com/networks/6560bcc39b92aa0012b2e955/shows/65675c71c3ca8a0012804645/episodes/www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a></p><p>Join the <a href="https://open.acast.com/networks/6560bcc39b92aa0012b2e955/shows/65675c71c3ca8a0012804645/episodes/www.somoneymembers.com" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Leave a review on <a href="https://podcasts.apple.com/us/podcast/so-money-with-farnoosh-torabi/id955939085" rel="noopener noreferrer" target="_blank">Apple Podcasts</a></p><p>Order Farnoosh’s new book, <a href="https://www.amazon.com/Healthy-State-Panic-Follow-Wealth/dp/1982199202/ref=sr_1_1?crid=YXNDFSGKUPYA&dib=eyJ2IjoiMSJ9.P7uLuctqWBi5jH0tdFO1XjBeZLtc6PqADpXozto_uyO8dtuygmLVZtsfs7JS5RDloTdI9uCCecaratU_7bBXAxF4964Pa0XDPqiEeoPoopp8K3LkDxbCKFQB3zSVLVkNeimG2bBMOFK6RwvJEfmzzYZJrDAw8EELpsuNmgFuAyzKLMK1_Ie0kb1A9oFcDCpcmQUHeGOopuMTVHxsQMtPpINhBpvcOEUqA0afdiuMkcg.xoTAnvr2HxtiBPY2M_u244WnYB2aZr25bbxXwKsxC6E&dib_tag=se&keywords=a+healthy+state+of+panic&qid=1736803207&s=books&sprefix=a+healthy+state+of+panic%2Cstripbooks%2C106&sr=1-1" rel="noopener noreferrer" target="_blank">A Healthy State of Panic</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>Farnoosh celebrates the podcast's 10th anniversary and shares her personal journey from a hectic 2024, emphasizing a more intentional approach to 2025. Farnoosh answers listener questions on maintaining good credit, the impact of paying off car loans early, the pros and cons of canceling a department store credit card, and the cost of investment management fees. She also discusses helpful resources for those affected by California wildfires including:</p><p><br></p><ul><li><a href="http://redcross.org" rel="noopener noreferrer" target="_blank"><strong>The Red Cross</strong></a><strong> </strong></li><li><a href="http://www.calfund.org" rel="noopener noreferrer" target="_blank"><strong>California Community Foundation’s Wildfire Relief Fund</strong></a><strong> </strong></li><li><a href="https://wck.org/" rel="noopener noreferrer" target="_blank"><strong>World Central Kitchen</strong></a><strong> </strong></li><li><a href="https://www.directrelief.org/" rel="noopener noreferrer" target="_blank"><strong>Direct Relief </strong></a></li><li><a href="http://www.unitedwayla.org" rel="noopener noreferrer" target="_blank"><strong>United Way of Greater Los Angeles </strong></a><strong> </strong></li></ul><p><br></p><p>Sign up for <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Farnoosh’s free Investing Blueprint</a></p><p>Follow on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a></p><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Leave a review on <a href="https://podcasts.apple.com/us/podcast/so-money-with-farnoosh-torabi/id955939085" rel="noopener noreferrer" target="_blank">Apple Podcasts</a></p><p>Order Farnoosh’s new book, <a href="http://www.ahealthystateofpanic.com/" rel="noopener noreferrer" target="_blank">A Healthy State of Panic</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>Known for his no-nonsense approach to money and his former role as a Ramsey Solutions personality, guest Anthony O'Neal has helped millions take control of their finances. He has written several books, including his latest, <a href="https://www.amazon.com/Take-Your-Seat-Table-Authentic/dp/1400250064" rel="noopener noreferrer" target="_blank"><em>Take Your Seat at the Table</em>,</a> where he empowers readers to create a vision for their lives and build wealth on their terms.</p><br><p>In this episode, Anthony shares his remarkable journey from being a 19-year-old drowning in $35,000 of debt to becoming debt-free and building a seven-figure business. He opens up about his time working with Dave Ramsey, how it influenced his financial philosophy, and why he eventually decided to strike out on his own to bring financial education to underserved communities.</p><br><p>You’ll learn:</p><p><br></p><ul><li>The money mistakes Anthony made at 19 and how he turned his life around.</li><li>The importance of avoiding consumer debt and focusing on building assets.</li><li>How faith and purpose are pivotal in Anthony’s financial teachings.</li><li>Why creating a clear vision for your life is the first step to achieving financial freedom.</li><li>Practical steps for eliminating debt, building generational wealth, and owning your financial life.</li></ul><p><br></p><p>Sign up for <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Farnoosh’s free Investing Blueprint</a></p><p>Follow on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a></p><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Leave a review on <a href="https://podcasts.apple.com/us/podcast/so-money-with-farnoosh-torabi/id955939085" rel="noopener noreferrer" target="_blank">Apple Podcasts</a></p><p>Order Farnoosh’s new book, <a href="http://www.ahealthystateofpanic.com/" rel="noopener noreferrer" target="_blank">A Healthy State of Panic</a></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>As we enter a new year, many of us are thinking about fresh starts, big goals, and how we can make more meaningful contributions—whether in our personal lives or at work. But what if the key to achieving that isn’t about working harder or chasing success the traditional way? What if the secret lies in something as simple and powerful as kindness?</p><br><p>In today’s episode, we dive deep with <a href="https://www.redhelicopter.com/about-james" rel="noopener noreferrer" target="_blank">James Rhee</a>, an educator, impact investor, CEO, and author of <a href="https://www.amazon.com/red-helicopter_a-parable-our-times/dp/0063317141" rel="noopener noreferrer" target="_blank"><em>Red Helicopter: A Parable for Our Times</em></a>. James is best known for his transformative leadership at Ashley Stewart, where he not only revived a struggling retail brand but turned it into a community-driven powerhouse by weaving kindness, empathy, and purpose into every decision. A Harvard Law graduate and former high school teacher, James has a remarkable ability to bridge the worlds of high finance and human-centered leadership.</p><br><p>We discuss how a childhood experience with a red helicopter shaped his lifelong philosophy, his journey from teaching to private equity, and the surprising parallels between math and creativity. James also delves into the role of AI in shaping society and why now, more than ever, leaders must embrace humanity and creativity to drive lasting impact.</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 October 11, 2024. Fresh episodes starting Monday!</p><p>Download Farnoosh's <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Free Investing Blueprint </a>to learn how to begin investing for your future.</p><p>Today's show: Is there such a thing as investing "too" much? Can obtaining a home equity loan be helpful when purchasing a second home? How to find a great accountant and more.</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>Recapping the year's top episodes covering the science of building wealth - proven ways to earn more and have a healthier relationship with money.</p><p>For more listening, check out the full episodes with our guests:</p><ul><li><a href="https://podcast.farnoosh.tv/episode/11418/" rel="noopener noreferrer" target="_blank">Charles Duhigg,</a> Author of Supercommunicators</li><li><a href="https://podcast.farnoosh.tv/episode/daniel-crosby-2/" rel="noopener noreferrer" target="_blank">Daniel Crosby</a>, Author of The Soul of Wealth</li><li><a href="https://podcast.farnoosh.tv/episode/caroline-adams-miller/" rel="noopener noreferrer" target="_blank">Caroline Adams Miller,</a> Author of Big Goals</li><li><a href="https://podcast.farnoosh.tv/episode/carl-richards-2/" rel="noopener noreferrer" target="_blank">Carl Richards</a>, Host of 50 Fires podcast</li><li><a href="https://podcast.farnoosh.tv/episode/scott-rick/" rel="noopener noreferrer" target="_blank">Scott Rick</a>, Author of Tightwads and Spendthrifts</li><li><a href="https://podcast.farnoosh.tv/episode/kate-northrup-3/" rel="noopener noreferrer" target="_blank">Kate Northrup</a>, Financial Expert and Author</li></ul><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>

Reviewing the best episodes of 2024 to finish the year. In this episode, we hear again from successful first-gen money experts and their insights on navigating money as the children of immigrants. We hear from:</p><ul><li><a href="https://podcast.farnoosh.tv/episode/vivian-tu/" rel="noopener noreferrer" target="_blank">Vivian Tu </a></li><li><a href="https://podcast.farnoosh.tv/episode/giovanna-gonzalez/" rel="noopener noreferrer" target="_blank">Giovanna Gonzalez </a></li><li><a href="https://podcast.farnoosh.tv/episode/jannese-torres/" rel="noopener noreferrer" target="_blank">Jannese Torres</a> </li><li><a href="https://podcast.farnoosh.tv/episode/shirin-eskandani/" rel="noopener noreferrer" target="_blank">Shirin Eskandani </a></li><li><a href="https://podcast.farnoosh.tv/episode/vrinda-gupta/" rel="noopener noreferrer" target="_blank">Vrinda Gupta </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>

<p>This episode originally aired on Friday, September 27.</p><p>In this episode, you will learn about creating a financial plan (for beginners), borrowing from your 401(k), selecting a balance transfer card, and more.</p><p>Download <a href="https://www.sofi.com/family-eguide/" rel="noopener noreferrer" target="_blank">Farnoosh's FREE Financial Family Planning Guide here.</a></p><p>Check out the new <a href="http://www.farnoosh.tv/" rel="noopener noreferrer" target="_blank">Farnoosh website</a> and grab a free copy of her <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Investing Blueprint.</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>Revisiting the best episodes of 2024 with a focus on money and kids. In this episode, we hear from</p><ul><li><a href="https://podcast.farnoosh.tv/episode/karen-holland/" rel="noopener noreferrer" target="_blank">Karen Holland, Founder of GiftingSense.org</a></li><li><a href="https://podcast.farnoosh.tv/episode/renee-campbell/" rel="noopener noreferrer" target="_blank">Renee Campbell, Head of Youth & Family Banking at Chase Bank</a></li><li><a href="https://podcast.farnoosh.tv/episode/peter-bergman/" rel="noopener noreferrer" target="_blank">Peter Bergman, Chase, Executive Director and Head of Starter Segment Banking at Chase Consumer & Community Bank</a></li></ul><p><br></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>Revisiting the best interviews of 2024 with a look back at some of the best retirement saving strategies. Featured in this episode:</p><ul><li><a href="https://podcast.farnoosh.tv/episode/anne-tergesen/" rel="noopener noreferrer" target="_blank">Anne Tergesen, WSJ Reporter  </a></li><li><a href="https://podcast.farnoosh.tv/episode/jean-smart/" rel="noopener noreferrer" target="_blank">Jean Smart, founder of Penelope</a></li><li><a href="https://podcast.farnoosh.tv/episode/hannah-cole-2/" rel="noopener noreferrer" target="_blank">Hannah Cole, founder of Sunlight Tax</a></li><li><a href="https://podcast.farnoosh.tv/episode/how-to-retire-by-40/" rel="noopener noreferrer" target="_blank">Katie and Alan Donegan, Early Retirees</a></li></ul><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>This week: What's the tax impact when you sell Bitcoin? How do you negotiate benefits at work, from retirement to equity to paid time off? Plus: smart ways to invest in your health. To learn more about Farnoosh's book workshop, visit <a href="http://www.booktobrand.co" rel="noopener noreferrer" target="_blank">BooktoBrand.co.</a></p><br><p>Sign up for <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">Farnoosh’s free Investing Blueprint</a></p><p>Follow on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a></p><p>Join the <a href="http://www.somoneymembers.com" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Leave a review on <a href="https://podcasts.apple.com/us/podcast/so-money-with-farnoosh-torabi/id955939085" rel="noopener noreferrer" target="_blank">Apple Podcasts</a></p><p>Order Farnoosh’s new book, <a href="http://www.ahealthystateofpanic.com/" rel="noopener noreferrer" target="_blank">A Healthy State of Panic</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 happens when you decide to walk away—from burnout, expectations, from a life that looks ‘successful’ on the outside but leaves you feeling hollow inside? My guest today, <a href="https://fayemccray.com/" rel="noopener noreferrer" target="_blank"><strong>Faye McCray</strong></a><strong>,</strong> has lived that transformation. A high-achieving lawyer turned storyteller, strategist, and wellness advocate, Faye made the bold decision to leave corporate life and redefine success on her terms. We’ll explore what led her to this breaking point, how she navigated the uncertainty of starting over, and how she’s helping others bridge the gap between their personal identities and professional lives.</p><br><p>Faye opens up about her lessons on slowing down, prioritizing health, and finding fulfillment beyond titles and accolades. Plus, we talk about breaking free from ‘hustle culture,’ redefining work-life balance, and why it’s okay to end the year strong—without crossing every item off your to-do list. If you’re feeling stuck, burned out, or wondering how to make peace with your pace, this episode is for you. And yes, we even revisit the wild story of how our friendship began in the streets of Charlotte.</p><br><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"><strong>So Money Members Club</strong></a><strong>.</strong></p><p>Download Farnoosh's <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"><strong>free investing blueprint.</strong></a></p><p>Hang out with Farnoosh on<strong> </strong><a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank"><strong>Instagram</strong></a><strong>.</strong></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>Most couples struggle to get on the same page regarding money and relationships. Less than 40% of married couples discuss their finances in detail—a staggering statistic that often leads to miscommunication, conflict, and, for some, divorce. But today’s guests, Jessica and Brandon Norwood, are trying to change that narrative.</p><br><p>Jessica and Brandon are the dynamic duo behind <a href="https://www.thesugardaddypodcast.com/" rel="noopener noreferrer" target="_blank"><em>The Sugar Daddy Podcast</em></a>, a show dedicated to helping millennials break the stigma around money conversations and build wealth as a team. As a married couple who have navigated everything from student loans to merging their financial lives, they bring a wealth of personal and professional insight. Jessica, a tech professional and the breadwinner in their family, and Brandon, a licensed financial planner, have developed a proven 5-step framework for creating financial harmony in relationships.</p><br><p>In this episode, we dive into:</p><p><br></p><ul><li><strong>The importance of shared values and financial alignment</strong>—why dreaming big as a couple is key.</li><li><strong>Tackling financial dealbreakers</strong>—and why financial infidelity might be a red flag you can’t ignore.</li><li><strong>What it’s like being a female breadwinner</strong>—and how Jessica and Brandon embrace modern parenthood and partnership.</li><li><strong>And a bold take on affording kids</strong>—why waiting for financial “readiness” might mean you’ll never leap.</li></ul><p><br></p><p>Check out <a href="https://www.canva.com/design/DAGXnezpcVY/27fFtTFtlVNFbtbf0kKQ9w/watch?utm_content=DAGXnezpcVY&utm_campaign=designshare&utm_medium=link2&utm_source=uniquelinks&utlId=h8932a1eb0e" rel="noopener noreferrer" target="_blank">this download</a> to better understand the couple's D.R.E.A.M Framework for navigating money in your relationship.</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>In this episode of <em>Ask Farnoosh</em>, we tackle some of your most pressing money questions about retirement planning, investing, and managing finances in relationships. First, we dive into the pros and cons of converting a Traditional 401(k) to a Roth IRA, discussing how to weigh current tax impacts against long-term growth benefits. Next, we explore strategies for helping a loved one preserve and grow their retirement savings, including balancing accessibility and investment growth for someone relying on Social Security. Lastly, we address the complexities of merging finances as a couple—whether you’re cohabiting, buying a home, or just starting to have those “big” money talks.</p><br><p>References: </p><br><p>Article: <a href="https://www.popsugar.com/money/college-friendships-socioeconomic-status-49406388" rel="noopener noreferrer" target="_blank"><strong>What My College Friendships Taught Me About Socioeconomic Status</strong></a></p><p>Article: <a href="https://www.thecut.com/article/perimenopause-gold-rush-healthcare-companies-treatments.html" rel="noopener noreferrer" target="_blank"><strong>The Perimenopause Gold Rush </strong></a></p><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank"><strong>So Money Members Club</strong></a><strong>.</strong></p><p>Download Farnoosh's <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank"><strong>free investing blueprint.</strong></a></p><p>Hang out with Farnoosh on<strong> </strong><a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank"><strong>Instagram</strong></a><strong>.</strong></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 episode of <em>So Money</em> is a full-circle moment. I’m thrilled to welcome Jodi Smith, the creator of the blog <a href="https://abundanceofjo.com/" rel="noopener noreferrer" target="_blank"><em>Abundance of Jo</em></a> and a rising star in the personal finance world. But before she became a go-to resource for money advice, she was just like so many of you—Googling 'personal finance help' and landing on <em>So Money.</em></p><br><p>Jodi’s journey is nothing short of inspiring. From moving to Canada for her MBA, taking on and paying off $50,000 in debt in just six years, to creating a financial plan that balances debt repayment, saving, and even treating herself, she has been organized and intentional every step. Along the way, she turned her financial wins into a platform to help others.</p><br><p>In our conversation, Jodi shares how she found motivation through the podcast nearly a decade ago, the strategies she used to climb out of debt while building wealth, and how her blog empowers people worldwide to live their best financial lives. We also dive into her philosophy on making money, negotiation tips, and why compassion is key to personal finance education.</p><br><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank">So Money Members Club</a>.</p><p>Download Farnoosh's <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">free investing blueprint.</a></p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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>Today’s conversation will change your thoughts about time—our most precious and often overlooked currency. Returning to the show is Heather Chauvin, a dynamic speaker, coach, and author whose wisdom on time management is nothing short of transformative. Heather’s journey began in a crucible of crisis—a stage-four cancer diagnosis. Still, from that challenging moment, she built a revolutionary approach to owning and investing time to live richly and intentionally.</p><p>In this episode, Heather and I dive into her signature concept of "energetic time management," where time isn’t just about productivity or calendars; it’s about aligning your energy, values, and desires to create a life that feels as good as it looks. She shares the origin of this system, the profound realizations she had while juggling motherhood and a career, and why most of us are in what she calls "time debt." Heather explains how to break free, set boundaries, and treat time like money—because every moment matters.</p><br><p>We’ll also talk about practical strategies: building a dream calendar and redefining your relationship with time. Also: Why outsourcing isn't a luxury—it’s a necessity for creating space to thrive. Plus, Heather offers profound insights for women navigating the dual roles of professional ambition and domestic responsibility without losing themselves.</p><br><p>Grab the <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">So Money Investing Blueprint for Free</a></p><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Read Heather's book <a href="https://www.amazon.com/Dying-Be-Good-Mother-Parenting/dp/1774580225" rel="noopener noreferrer" target="_blank">Dying to Be a Good Mother</a></p><p>Listen to Heather's podcast <a href="https://www.heatherchauvin.com/podcast" rel="noopener noreferrer" target="_blank">Emotionally Uncomfortable</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>If you’re planning to make a big purchase in the next few months, don’t wait. Early holiday sales and year-end discounts are already a smart move—but add the potential for higher tariffs, and shopping is now more convincing. Farnoosh breaks it down in this new episode of Ask Farnoosh. Plus: Which is better, a Roth or Traditional 401(k), and How to Save Money on Buying a Car in December.</p><br><p>Grab the <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">So Money Investing Blueprint for Free</a></p><p>Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank">So Money Members Club</a></p><p>Read: <a href="https://www.huffpost.com/entry/what-items-you-should-be-buying-before-trumps-tariffs-kick-in_l_67509505e4b09625c75678cd" rel="noopener noreferrer" target="_blank">What Should You Buy Before the Trump Tariffs - HuffPost</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>In this episode of <em>So Money</em>, Farnoosh welcomes back bestselling author and marketing legend Seth Godin to discuss his latest book, <a href="https://www.amazon.com/This-Strategy-Make-Better-Plans/dp/B0D47T8S7N" rel="noopener noreferrer" target="_blank"><em>This Is Strategy: Make Better Plans</em></a>. Seth dives deep into the essence of strategy and its importance in creating meaningful change in our finances, careers, and lives. He explains the four essential threads of strategy—time, game, empathy, and systems—and how understanding them can help us make better decisions and reduce stress. From navigating money stress to mastering delayed gratification, Seth offers actionable advice for tackling life's challenges with clarity and purpose. He also revisits his thoughts on being "rich" 10 years later, emphasizing the value of choice and contributions over material wealth. Whether you're looking to improve your financial game, stand out at work, or build a better future, this episode is packed with wisdom and inspiration from one of the most influential thinkers of our time.</p><br><p>Join the <a href="http://www.somoneymembers.com" rel="noopener noreferrer" target="_blank">So Money Members Club</a>.</p><p>Download Farnoosh's <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">free investing blueprint.</a></p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</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>A new study reveals that more people want to quit their jobs now than during the Great Resignation. Whether it’s to find better-paying work to address the rising cost of living or simply to leave their company or industry and start fresh on a professional path they actually enjoy, the big question remains: Will they quit?</p><br><p>Our guest today is helping people overcome that hurdle.</p><br><p><a href="https://lessonsfromaquitter.com/about/" rel="noopener noreferrer" target="_blank">Goli Kalkhoran</a> is a Master-Certified Life Coach and former attorney who helps unfulfilled professionals create a career (and life) they genuinely enjoy. She hosts the <em>Lessons from a Quitter</em> podcast, where she de-stigmatizes quitting and offers resources and inspiration for individuals looking to pivot in their established careers. In this episode, we discuss why our culture is so afraid of quitting, how to afford to leave — financially and energetically -- and Goli’s journey of quitting her law career and the many pivots that followed.</p><br><p>Join the So <a href="http://www.somoneymembers.com" rel="noopener noreferrer" target="_blank">Money Members Club.</a></p><p>Download Farnoosh's <a href="http://www.farnoosh.tv/blueprint" rel="noopener noreferrer" target="_blank">free investing blueprint.</a></p><p>Hang out with Farnoosh on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a>.</p><br><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>This episode originally aired on September 6, 2024.</p><p>This Friday: Questions regarding adding children to your business payroll, enrolling in a 529 plan when college is just a few years away (good idea?) and how to manage a 401(k) that's being discontinued at work. Join the <a href="http://www.somoneymembers.com/" rel="noopener noreferrer" target="_blank">So Money Members Club</a> for free for one month with the code SoMoneyBF2024. Expires Saturday, November 30.</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>As we approach Thanksgiving, there’s no better time to reflect on gratitude, personal growth, and turning life’s challenges into opportunities. In this episode of <em>So Money,</em> I’m joined by <a href="https://christinehassler.com/" rel="noopener noreferrer" target="_blank"><strong>Christine Hassler,</strong></a><strong> </strong>a #1 life coach, bestselling author, and host of the popular podcast <a href="https://podcasts.apple.com/us/podcast/over-it-and-on-with-it/id1050321415" rel="noopener noreferrer" target="_blank"><em>Over It and On With It</em></a><em>.</em> </p><br><p>Christine opens up about hitting rock bottom—leaving a toxic work environment, finding herself in debt, and overcoming heartbreak—all while redefining what success and happiness genuinely mean. She shares how gratitude became a cornerstone of her personal and financial transformation and why self-worth is directly tied to net worth.</p><br><p>We also explore her actionable strategies for embracing setbacks, finding purpose, and creating a life rooted in abundance. Whether you’re feeling stuck or simply want to align your values with your goals, Christine’s insights will inspire you and prepare you to take the next step.</p><br><p>This episode is a replay.</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>In this episode of <em>So Money</em>, I’m joined by Michael Schreiber, award-winning journalist, founder of <a href="https://www.mediafeed.us/" rel="noopener noreferrer" target="_blank">MediaFeed</a>, and long-time friend. Michael began his career as an award-winning journalist, producing acclaimed documentaries and in-depth reporting on topics like the credit card industry. Today, he’s at the forefront of helping businesses and individuals leverage content to grow their brands and connect with audiences.</p><br><p>We explore Michael’s transition from journalist to media entrepreneur and the lessons he’s learned about creating impactful content. He shares strategies for building a personal brand on various platforms, from LinkedIn to YouTube, the power of content syndication, and how businesses can own their narrative without relying on traditional advertising. Plus, we dive into how AI tools like ChatGPT can supercharge your content creation process while saving time. Plus: a sneak peek into a collab between Farnoosh and Michael.</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>