Life Kit: Money

Latest Episodes:

Boost Your Credit Card IQ Apr 28, 2019

Show notes

If you use credit cards in a intentional way, you can free up some valuable perks. We geek out on strategies to make credit cards work for you.
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Never Pay An Unnecessary Fee Again Apr 28, 2019

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Don't get caught in a cycle of unnecessary overdraft fees, credit card interest and high-cost loans. A few simple tools can help you hold onto those hard-earned dollars.
Here's what to remember:
- Automation is your friend. Set your bills on autopay.
- Overdraft protection is deceptive. Link your checking account to a savings account to avoid overdraft fees.
- Set up a buffer savings account with automatic deposits.
- Don't use credit cards for emergency spending.
- If you do have an emergency, try asking your employer for your already-earned wages.
- Balance transfer checks can help with high-interest debt, but read the fine print.
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Be The Master Of Your Budget Apr 28, 2019

Show notes

To many, it's a dreaded task: making a budget to keep track of money. Guess what? You can do it, and we show you some tools that can help — maybe even make it fun. The founder of the popular budgeting software You Need A Budget tells us how to track your spending.
Here's what to remember:
- Don't budget just because you should: Set a goal.
- Leverage anxiety from a life change and turn it into motivation.
- Follow the 50-30-20 method.
- Use the power of scarcity.
- A roommate is worth 1,000 coffees.
- Find the budgeting technique that works for you. Here's a worksheet to get you started: https://bit.ly/2umlqex.
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Should You Pay For Financial Advice? Apr 28, 2019

Show notes

We help you understand whether you need an adviser, and if you do want one, how to find someone who will act in your best interest.
Here's what to remember:
- Many people don't need to pay for financial advice.
- Use a "fee-only" adviser, not a "fee-based" adviser.
- Consider low-cost options like robo-advisers or Vanguard.
- You might need to break up with your adviser — but you can still be friends.
- Two online resources can help you find an adviser: NAPFA and Kent on Money.
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Your Cheat Sheet For Smarter Investing Apr 28, 2019

Show notes

Investing doesn't have to be hard. We explain how to grow a nice nest egg and avoid that four-letter word that starts with F ... fees.
Here's what to remember:
- Don't pick your own stocks.
- Don't sell stocks if the market crashes.
- Diversify your portfolio.
- Don't pay too much in fees.
- Invest in index funds, not actively managed funds.
- Rebalance your portfolio every year — then leave it alone.
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Get Started Saving Apr 26, 2019

Show notes

If you're not good at saving money, it's not your fault: Humans are hard-wired to focus on the present. But there's a way to beat evolution and build for your future.
Here's what to remember:
- Make savings automatic.
- Save, even if you have student loans.
- Participate in your employer's matching plan.
- Reward yourself for saving.
- Envision your future self.
- Start saving young.
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