HerMoney with Jean Chatzky

Latest Episodes:

EP 496: The Psychology of Money and the Art of Spending, with Morgan Housel Oct 08, 2025

Show notes

Morgan Housel, bestselling author of The Psychology of Money, is back with a brand-new book: The Art of Spending Money. In this episode, he sits down with Jean Chatzky to talk about what truly makes us feel fulfilled when we spend, and why we often get it wrong.

Together, Jean and Morgan unpack the emotions that drive our financial behavior, from fear and guilt to FOMO and dopamine addiction. You’ll learn why saving money can become a harmful identity, how to redefine success beyond your bank account, and why the best moments in life usually aren’t the ones you buy.

What You’ll Hear In This Episode:

Why spending is an art, not a science
How “happiness = reality minus expectations” can change your financial life
What to do if you feel guilty about spending after saving for years
How to break the cycle of spending for status or attention
The simplest formula for a rich life: independence + purpose

📘Order Morgan’s new book, The Art of Spending Money

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If more financial confidence sounds good to you, then you might want to try…

⁠4-Week Coaching Program⁠: Identify and understand your spending, build a strategic plan, and take control of your money.

⁠6-Week Pre-Retirement Program⁠: We’ll help you prepare financially and emotionally for this exciting milestone.

📈⁠InvestingFixx⁠: Learn, connect, and start investing—your first month is completely free.

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Mailbag with Kerry Hannon: “I have $11,000 to invest in retirement. Is an ESG fund a good idea?” Oct 03, 2025

Show notes

In this special HerMoney Mailbag episode, Jean Chatzky is joined by Yahoo Finance senior columnist and author Kerry Hannon — and she’s tackling your most pressing retirement questions.

In this episode, Jean and Kerry dive into:

Whether to cash out a paid-up life insurance policy
How to invest in ESG funds without overpaying on fees
What to look for in a financial advisor before you retire
How to know if and when you’re truly ready to stop working
And Kerry’s favorite tip from her new book Retirement Bites: how to design an ideal week in retirement

🔗 Resources mentioned:

InvestingFixx.com (Jean’s investing club — first month is free!)
Find a Fee-Only Financial Advisor through Wealthramp
Kerry’s site: kerryhannon.com

Have a question for us? Write to us (or send us a voice note!) at mailbag@hermoney.com. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter atHermoney.com/subscribe!

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EP 495: Kerry Hannon on Debt, Downsizing, and Designing Your Ideal Retirement Oct 01, 2025

Show notes

The oldest members of Gen X are facing retirement, and many are feeling unprepared. Traditional pensions disappeared just as Gen X entered the workforce. 401(k)s weren’t mainstream until much later. And along the way, they endured the tech bubble, the Great Recession, and a pandemic. No wonder headlines call Gen X “the forgotten generation” and warn of a retirement crisis.

In this episode, Jean sits down with author and Yahoo Finance senior columnist Kerry Hannon to talk about her new book with co-author Janna Herron, Retirement Bites: A Gen X Guide to Securing Your Financial Future. Together, they dive into why retirement feels so daunting for Gen X, what makes this generation uniquely scrappy, and how to turn worry into optimism.

You’ll learn:

Why Gen X was dealt such a tough financial hand, and what you can do about it now
How debt, student loans, and “lifestyle creep” factor into retirement readiness
The HOVER method (Hope, Optimism, Value, Enthusiasm, Resilience) for building a positive money mindset
Why downsizing isn’t the only answer — and how continuing to work, re-skill, and find purpose can make retirement stronger

If more financial confidence sounds good to you, then you might want to try…

⁠4-Week Coaching Program⁠: Identify and understand your spending, build a strategic plan, and take control of your money.

⁠6-Week Pre-Retirement Program⁠: We’ll help you prepare financially and emotionally for this exciting milestone.

📈⁠InvestingFixx⁠: Learn, connect, and start investing—your first month is completely free.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Your Money Map Replay: Is Retirement Really in Crisis? What The Data Says with Andrew Biggs Sep 26, 2025

Show notes

We’ve all heard the same story: Americans are facing a retirement crisis. But what if that’s not the whole truth?

In this special replay of Your Money Map, Jean Chatzky sits down with Andrew Biggs, senior fellow at the American Enterprise Institute and author of The Real Retirement Crisis: Why Almost Everything You Think About the U.S. Retirement System Is Wrong. Together, they unpack what the latest data really tells us about retirement savings, Social Security, and how financially secure today’s (and tomorrow’s) retirees actually are.

Spoiler alert: There’s more good news than you might expect.

Jean and Andrew discuss:

Why retirees today are experiencing record-high incomes
How delayed retirement and automatic savings are shifting the game
The real retirement crisis — and why it’s happening at the government level
Why healthcare and long-term care costs may not be as scary as the headlines suggest
What you can do if you feel behind (even if you’re not)

🔗 For more resources and tools from the Alliance for Lifetime Income, visit ProtectedIncome.org

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💬 Like what you hear? Leave us a 5-star review and share the episode with a friend!

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EP 494: How Emotional Labor Is Costing Women Thousands — And What to Do About It Sep 24, 2025

Show notes

Raise your hand if you feel like you’re running on empty. If you’re juggling work, home, relationships, and still coming up short. You’re not imagining it: the pressure to have it all is very much alive in 2025… but let’s be honest, it was never realistic to begin with.

In this episode, Jean sits down with Dr. Corinne Low, Wharton professor and author of Having It All: What Data Tells Us About Women’s Lives and Getting the Most Out of Yours. Corinne blends personal experience, economics, and deep research to reveal why the invisible load women carry is still so heavy, and what we can do about it.

Together, Jean and Corinne dig into:

Why having a child is not a gender-neutral event
The concept of your utility function and why it matters more than your job title
What it means to be both the breadwinner and the primary caregiver
Why true work-life balance requires trade-offs and how to make the right ones for you

If more financial confidence sounds good to you, then you might want to try…

⁠4-Week Coaching Program⁠: Identify and understand your spending, build a strategic plan, and take control of your money.

⁠6-Week Pre-Retirement Program⁠: We’ll help you prepare financially and emotionally for this exciting milestone.

📈⁠InvestingFixx⁠: Learn, connect, and start investing—your first month is completely free.

Learn more about your ad choices. Visit megaphone.fm/adchoices

A Week In Her Wallet: A 49-Year-Old On A Weight Loss Journey Sep 19, 2025

Show notes

This week on A Week In Her Wallet, we’re diving deep into what it really means to spend with intention. Meet Amy, a 49-year-old higher education administrator living in Tennessee with her partner. She's in a season of transformation; focused on her health, reevaluating her habits, and redefining what “worth it” means when it comes to her wallet.

From zero-spend weekdays and resisting fancy lattes to a boutique shopping spree that lifted her spirits, Amy's week is a powerful reminder that every purchase tells a story.

💬 In this episode, you'll hear:

How Amy’s weight-loss journey reshaped her spending habits
The hidden financial perks of having a close-knit community
What she learned from trying weight loss medications and why she stopped
The emotional and practical value of tracking every expense (even the little ones)

📩 Interested in being featured in a future episode? Fill out our A Week In Her Wallet participant form, we’d love to hear your story.

If more financial confidence sounds good to you, then you might want to try…

⁠4-Week Coaching Program⁠: Identify and understand your spending, build a strategic plan, and take control of your money.

⁠6-Week Pre-Retirement Program⁠: We’ll help you prepare financially and emotionally for this exciting milestone.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Ep 493: Break the Cycle of Financial Anxiety Without Changing Your Job or Income Sep 17, 2025

Show notes

When it comes to money, most of us know the basics. We’ve read the advice: build an emergency fund, stick to a budget, invest for the future. But what if we’re still struggling to feel confident or in control? What if our emotions — fear, guilt, shame — are silently running the show?

That’s where financial therapy comes in. This week, Jean sits down with Erika Wasserman, certified financial therapist and author of “Conversations With Your Financial Therapist,” to pull back the curtain on why our money beliefs run so deep, and how we can start to change them.

💡 In This Episode, You'll Learn:

What a financial therapist does and how to know if you need one
Why religion and culture can impact how you feel about wealth, success, and spending
The MONEY Method: Erika’s 5-step tool for better financial conversations
Scripts to help you talk to your partner, parents, or adult kids about money

💬 Join our private Facebook group: HerMoney Facebook Community

💌 Subscribe to the HerMoney newsletter

⁠4-Week Coaching Program⁠: Identify and understand your spending, build a strategic plan, and take control of your money.

⁠6-Week Pre-Retirement Program⁠: We’ll help you prepare financially and emotionally for this exciting milestone.

📈⁠InvestingFixx⁠: Learn, connect, and start investing—your first month is completely free.

Learn more about your ad choices. Visit megaphone.fm/adchoices

A Week In Her Wallet: A 41-Year-Old Teacher Who Pays Off Her Credit Card Daily Sep 12, 2025

Show notes

This week, we're spending seven days inside Shannon’s wallet, a 41-year-old teacher, mom of two, and money-minded multitasker who lives in a suburb of Washington, D.C. With summer break just beginning, Shannon uses her time off to reflect on her relationship with money, childhood financial trauma, and the emotional tug-of-war between responsible budgeting and spontaneous joy.

🎙️ In this episode, you’ll hear:

How Shannon and her husband manage money as teachers
Why she’s focused on paying off her credit cards daily, and what that’s done for her mental health
The role of sinking funds in keeping her finances on track (yes, even for fun things!)
How her childhood shaped the way she spends and saves today
The internal negotiations she has before “want” purchases
What she’s teaching her daughters about money

If more financial confidence sounds good to you, then you might want to try…

⁠4-Week Coaching Program⁠: Identify and understand your spending, build a strategic plan, and take control of your money.

⁠6-Week Pre-Retirement Program⁠: We’ll help you prepare financially and emotionally for this exciting milestone.

📈⁠InvestingFixx⁠: Learn, connect, and start investing—your first month is completely free.

Learn more about your ad choices. Visit megaphone.fm/adchoices

EP 492: Retire Often: How Mini-Retirements Can Boost Your Career and Your Happiness Sep 10, 2025

Show notes

Have you ever dreamed of walking away from your job — not forever, but just long enough to breathe, explore, rest, or chase a big, bold adventure? This week, we're talking about a radical reframe: What if we didn’t retire once at 65… but instead took many retirements throughout our lives?

Jean sits down with Jillian Johnsrud, author of Retire Often: How Anyone Can Take Multiple Career Breaks To Unlock Adventure, Advance Their Career, and Find Financial Freedom. By 40, Jillian and her husband had taken more than a dozen mini-retirements; all while raising six kids, building a real estate portfolio, traveling the world, and staying financially afloat.

💡 In this episode:

What exactly is a mini-retirement, and how is it different from a vacation or sabbatical?
How to afford time off even on a normal salary
The 6.5% savings trick that could fund a lifetime of breaks
How to negotiate a month off from your employer
Why taking time away from your career could actually make you better at it

If more financial confidence sounds good to you, then you might want to try…

⁠4-Week Coaching Program⁠: Identify and understand your spending, build a strategic plan, and take control of your money.

⁠6-Week Pre-Retirement Program⁠: We’ll help you prepare financially and emotionally for this exciting milestone.

📈⁠InvestingFixx⁠: Learn, connect, and start investing—your first month is completely free.

Learn more about your ad choices. Visit megaphone.fm/adchoices

A Week In Her Wallet: A 48-Year-Old School Counselor’s $1,000 Week Sep 05, 2025

Show notes

This week, we’re continuing our special series A Week In Her Wallet, where we follow real women from our community as they track their spending for seven days — and reflect not just on what they spent, but why.

Our guest is Kathi B, a 48-year-old school counselor from outside Philadelphia. She's a mom of two teenagers, wife to another educator, and (like many of us) trying to stay on top of both everyday expenses and life’s little curveballs, especially during the summer.

In this episode, Kathi opens up about: