So Money with Farnoosh Torabi

1494: Ask Farnoosh: Affording Life's Biggest Purchases Mar 31, 2023

In honor of Women's History’s Month, I’ve partnered with Prudential, one of the most trusted financial services firms in the country, to provide empowering advice and insights to help us all thrive in our financial lives. The Prudential brand is synonymous with strength and resilience.

Head to Farnoosh.TV/Prudential for our top tips on how to set yourself up for financial success now and in the future. Whether you're saving for college, planning retirement, or working toward any other financial milestone, Prudential is here to help you get there and beyond. Visit prudential.com to learn more.

I am a non-client, paid promoter of Prudential Financial. To learn more about the material terms of my relationship with Prudential, please go to Farnoosh.TV/Prudential.

This podcast is provided for educational purposes only. It is not intended to be, nor should be construed as investment, insurance, financial, tax or legal advice. Please consult with your own advisor for such advice.

Today’s Ask Farnoosh episode is about how to afford life’s biggest (and exciting!) expenses. My special co-host, Prudential CFP Mary O’Malley, offers insights strategies you don’t want to miss including:

Should you buy a home right now?
Pros and cons to leasing
Saving up for a baby
When does a HELOC make sense?
Benefits to Supplemental Medical Insurance

More about Mary: Her career life began as a Special Education teacher where she spent over a decade teaching underprivileged and special needs children. In 2011, Mary started a family but after spending a few years as a stay-at-home mom she made the decision to go back into the professional workforce by entering the financial services industry. Her passion for teaching in a

traditional setting had subsided but her passion to educate others still remains strong to this day. Mary’s interest in the financial industry was born out of her ability to overcome her own personal struggle with finances. Mary is not one to shy away from a challenge, and becoming a Certified Financial Planner has fulfilled her desire to educate others on how to take control of their personal finances.

Mary O’Malley CFP® joined Prudential Advisors in November 2020 and is now working with an all-female producer group that is dedicated to helping individuals, families and small business secure what is important, and take intentional steps toward reaching future goals and lifelong financial stability.

Prudential Disclosure: Our financial advisors offer financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. A financial advisor or financial planner offers insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. 1-800-778-2255.

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1493: Money Made Easy Author and Budgeting Expert Allison Baggerly Mar 29, 2023

Personal finance expert Allison Baggerly shares proven solutions for budgeting, changing your money mindset, and reaching your financial goals from her new book Money Made Easy.

More about Allison: On her blog and popular Instagram account, Inspired Budget, Allison Baggerly teaches her budgeting method to thousands of followers. Her advice stems from her own personal journey to pay down $111,000 in debt in 4.5 years. Learn more about Allison on her website, www.InspiredBudget.com. And connect with her on Instagram @InspiredBudget

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1492: How to Quit Your Job with Amy Porterfield, NYT Best Selling Author of Two Weeks Notice Mar 27, 2023

Is it "safe" to quit your job right now? How to create a financial road map to leave your job with confidence? Today's show offers a step-by-step blueprint for quitting your 9 to 5 with the intention to create your own business. Amy Porterfield, author of the NYT Best Selling book, Two Weeks Notice: Find the Courage to Quit Your Job, Make More Money, Work Where You Want, and Change the World, joins with road-tested advice.

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1491: Ask Farnoosh: All Things Investing and Retirement Mar 24, 2023

In honor of Women’s History’s Month, I’ve partnered with Prudential, one of the most trusted financial services firms in the country, to provide empowering advice and insights to help us all thrive in our financial lives. The Prudential brand is synonymous with strength and resilience.

Head to Farnoosh.TV/Prudential for our top tips on how to set yourself up for financial success now and in the future. Whether you’re saving for college, planning retirement, or working toward any other financial milestone, Prudential is here to help you get there and beyond. Visit prudential.com to learn more.

I am a non-client, paid promoter of Prudential Financial. To learn more about the material terms of my relationship with Prudential, please go to Farnoosh.TV/Prudential.

This podcast is provided for educational purposes only. It is not intended to be, nor should be construed as investment, insurance, financial, tax or legal advice. Please consult with your own advisor for such advice.

Today’s show: Answering your biggest investing and retirement questions. Farnoosh and special guest Sara Benton, Prudential Financial Planner, review audience questions about how to start, the best ways to maximize your 401(k) and the ins and outs of Roth IRA rollovers. For a free financial checklist from Prudential go to join.farnoosh.tv.

More about Sara Benton: She has been a Financial Planner at The Prudential Insurance Company of America for over 10 years. Sara is passionate about financial wellness and helping her clients achieve their goals through education, guidance and crafting custom strategies for their financial future. Ensuring her clients are confident about their goals and are prepared for unexpected challenges, whatever the life stage, is her primary focus.

Sara holds the Certified Financial Planner, Chartered Financial Consultant, and Chartered Life Underwriter designations and is constantly looking for ways to grow and learn more to better assist her clients. She leads worksite education programs aimed to empower employees to take hold of their finances and understand the impacts of their financial decisions.

Prudential Disclosure: Our financial advisors offer financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. A financial advisor or financial planner offers insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. 1-800-778-2255.

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1490: Nowruz Reflections with Farnoosh and Ana Homayoun Mar 22, 2023

For Iranians and millions others who observe Nowruz, the New Year is a time spent reflecting on the past and setting goals for a new beginning. Ana Homayoun, Iranian-American founder of Green Ivy Consulting and Farnoosh exchange memories of celebrating Nowruz as kids, their favorite traditions, and why this new year takes on a new meaning with the ongoing revolution in Iran.

More about Ana: For over 2 decades she has focused on helping students discover practical solutions to promote purposeful learning. Her prescriptive solutions encourage better executive functioning skills, effectively address the culture of teen perfectionism, and provide real-life advice on how to navigate social media and technology overwhelm in an always-on digital world. Her sensible perspective is real, relevant, and adored by parents, educators and students around the world. Her next book is called Erasing the Finish Line. You can preorder here.

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1489: Building Wealth With the Right Behavior; Morgan Housel, Author of The Psychology of Money Mar 20, 2023

Mastering money has little to do with math. Instead, behavior is the most important side of investing, says today’s guest Morgan Housel, author of one of the highest-selling financial book The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness. We discuss many of his insights including the underestimated power of luck and risk, how the only way to stay wealthy is being both frugal and paranoid, and the fallacy of ‘earned success’ and ‘deserved failure.’

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1488: Ask Farnoosh: High Yield Savings or Stocks? Smart Money Moves in Uncertain Times Mar 17, 2023

In honor of Women’s History’s Month, I’ve partnered with Prudential, one of the most trusted financial services firms in the country, to provide empowering advice and insights to help us all thrive in our financial lives. The Prudential brand is synonymous with strength and resilience.

Head to Farnoosh.TV/Prudential for our top tips on how to set yourself up for financial success now and in the future. Whether you’re saving for college, planning retirement, or working toward any other financial milestone, Prudential is here to help you get there and beyond. Visit prudential.com to learn more.

I am a non-client, paid promoter of Prudential Financial. To learn more about the material terms of my relationship with Prudential, please go to Farnoosh.TV/Prudential.

This podcast is provided for educational purposes only. It is not intended to be, nor should be construed as investment, insurance, financial, tax or legal advice. Please consult with your own advisor for such advice.

Today's show: How to thrive in these uncertain times? Farnoosh and special guest Natalya Robbins, Prudential Financial Planner, ChFC®, RICP®, WMCP®, answer audience questions about saving versus investing, how much cash is "too" much in savings and when does it make sense to invest in working with a financial planner?

For a free financial checklist go to join.farnoosh.tv and getting the free checklist from Prudential.

More about Natalya Robbins: She is a graduate of Pomors University with Honors with a degree in teaching and foreign languages. Prior to joining the financial services industry in 2001, She worked as an interpreter for the international company, while teaching several courses at the University. She has earned the Chartered

Financial Consultant Designation through the American College (CHFC®), The Retirement Income Certified Professional Designation ( RICP®) and most recently Wealth Management Congress Street Financial Group Certified Professional (WMCP®).

She attended Financial Planning School in Newark, NJ. In 2020 she opened her private office and is currently working on Wealth Management for Talented Professional Women. Natalya is also a speaker at Women Rock! Their Finances! Events and several international podcasts. Being a former professional figure skater, Natalya enjoys learning new things, reading, figure skating, taekwondo and most importantly, sharing the knowledge and passion with other people.

Prudential Disclosure: Our financial advisors offer financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. A financial advisor or financial planner offers insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. 1-800-778-2255.

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1487: Negotiating Your Salary and Earning More Post-Layoff and Other Career Transitions Mar 15, 2023

Negotiation expert Alexandra Carter, author of Ask For More, joins to talk about negotiating when you’re in a transition phase (switching jobs, recently laid off, heading back to work after a break), what we *should* negotiate for but rarely do and why being scared in a negotiation means you’re doing it RIGHT!

More about Alex: She is a Clinical Professor of Law and Director of the Mediation Clinic at Columbia Law School. She has spent the last eleven years helping thousands of people negotiate better, build relationships and reach their goals. In 2019, Alex was awarded the Columbia University Presidential Award for Outstanding Teaching, Columbia University’s highest teaching honor.

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1486: From Foster Care to Financial Educator, Marc Russell, Founder of BetterWallet Mar 13, 2023

Guest Marc Russell is the creator of BetterWallet, where he teaches families all around the world how to make money work for them through practical investing. His journey began as a foster child for 13 years. He was eventually adopted by a low-income family who prioritized education. Marc then self-funded his college education (Penn State) and then climbed the ranks at some of the largest financial institutions in the world.

While excelling in his Wall Street career, Marc struggled with his own finances, living paycheck-to-paycheck with $80,000 of debt. He is now debt-free.

Grab Marc's Bulletproof Investing Checklist

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1485: Ask Farnoosh: Home Buying in a Seller's Market, Spousal IRAs, Stock Loans and Negotiating Workplace Benefits Mar 10, 2023

How can prospective home buyers set themselves up for success in what appears to be another seller's market this spring?Listeners want to know about the ins and outs of spousal Roth IRAs, borrowing against a stock portfolio, negotiating work benefits and whether it's wise to pay off a mortgage early or invest in stocks instead? Farnoosh picks two listeners to win a copy of Glow in the F*cking Dark.

Subscribe to Farnoosh's newsletter to get first dibs on all the latest news, announcements and financial advice.

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1484: The 3 Biggest Parenting Lies with Dr. Shefali, Author of The Parenting Map Mar 08, 2023

**Listen to learn how to win a free copy of the book!** NYT Bestselling author and Oprah favorite, Dr. Shefali joins to share insights from her newest book, The Parenting Map: Step-by-Step Solutions to Consciously Create the Ultimate Parent-Child Relationship. She shares the 3 biggest lies parents believe when it comes to raising children, how mothers, fathers and caregivers can connect more deeply with their children and improve their relationship, and the healthiest, safest way to introduce social media to your teens.

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1483: The Financial Benefits of Plant-Based Meals Mar 06, 2023

What if we could find sweet relief from rising grocery prices and eat delicious and healthy meals that save both money and time? Popular blogger Toni Okamoto is here with advice and insights from her cookbook Plant-Based on a Budget: Quick and Easy. Toni’s relatable approach is all about “progress over perfection.”

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1482: Ask Farnoosh: The Pros and Cons of High-Yield Savings and 529 Roth Rollovers Mar 03, 2023

This week: Is it worth it to transfer savings out of your current bank to a high-yield savings account (HYSA)? Given a new law, is it wise to rollover unused 529 dollars into a Roth IRA? How can parents raise kids to be "so money?"

Subscribe to Farnoosh's new podcast: Better Business.

Sign up for Farnoosh's newsletter here and instantly get a copy of So Money Secrets, a compilation of the best advice shared on the podcast.

Register for Pitch, Please in NYC.

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1481: What Women Want with Aliza Freud, Founder of SheSpeaks Mar 01, 2023

In honor of Women’s History Month, we’ll be spotlighting leading women entrepreneurs and field experts throughout March. We kick off with Aliza Freud who Founder and CEO of SheSpeaks, an online marketing platform that builds and operates largely women-led influencer communities on behalf of Fortune 500 brands. She shares what compelled her to start her company in the thick of the great recession in 2009, her specific advice for aspiring influencers on how to lay a strong foundation for long-term success and...what do women want? What is the #1 way women want to re-acclimate and make up for some of the hardships they endured during the pandemic?

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1480: Investing Made Simple with Tess Waresmith Feb 27, 2023

Tess Waresmith is the founder of Wealth with Tess, a financial education platform helping women professionals and entrepreneurs build their wealth and confidence using simple investing strategies. Her passion for helping others learn to invest comes from making her own big investing mistake early in her life that cost her over $80,000 dollars in less than 5 years. Tess has over 10+ years of experience in the stock market, real estate, and businesses, and has grown her net worth by $500,000 over the last 4 years using simple investing strategies.

Follow Tess on Instagram - @wealthwithtess
Free Training - How to Build Wealth The Simple Way Investing - Join my next free workshop to learn how t invest in the stock market using an effective, low-maintenance strategy, perfect for busy professionals and entrepreneurs that are short-on-time or beginners.
Financial Independence Checklist - If you want to ensure you have enough money to retire but aren't sure where to start or don't know if you are behind financially, this is the checklist is for you
Website - Wealthwithtess.com

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1479: Ask Farnoosh: I'm 22 and Lost. How to Get on the "Right" Path Towards Building Wealth? Feb 24, 2023

This week, Farnoosh answers audience questions related to investing, negotiating a salary and getting on the "right" track when you're just starting out in your 20s to design a meaningful and prosperous life.

Sign up for Farnoosh's newsletter to be the first to learn about all the news, giveaways and more. Receive a free download of So Money Secrets when you do.

Grab one of the last spots at Pitch, Please! April 28th in NYC.

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1478: The Best Ways to Teach Teens About Money with Dan Sheeks Feb 22, 2023

Dan Sheeks, founder of SheeksFreaks and author of First to a Million: A Teenager’s Guide to Achieving Early Financial Freedom shares strategies, concepts, and the mindset teenagers need to achieve early financial freedom.

More about Dan: He is a high school Business/Marketing teacher, real estate investor, and personal finance advocate in Denver, CO. His students have competed at the national level in entrepreneurship, personal finance, marketing, and hospitality services with much success over the years. The SheeksFreaks community aims to help teens use specific methods of saving, earning extra income, and investing to set them on a track to purchase real estate investment properties in their early 20s and achieve financial independence at a young age.

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1477: Launching a Business During Covid, With Cancer: Willa's Organic Oat Milk Feb 20, 2023

Sister co-founders Elena Zienda and Christina Dorr Drake discuss launching their business Willa's Organic Oat Milk at the start of the Covid-19 pandemic and while navigating Christina's early stage cancer diagnosis. Also: the secret to two sisters managing to run a business together, the legacy of their grandmother that helps drive Willa's mission an how fear enabled them to succeed time and time again. To try Willa's oat milk, check out this link: https://willaskitchen.com/discount/SOMONEY

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1476: Ask Farnoosh: Should I Quit My Job? Should I Buy a Car with Cash or Loan? Feb 17, 2023

This week: Socially responsible investing, tips for buying a car, deciding whether to quit a job and more. Farnoosh selects 15 winners for Ramit Sethi's I Will Teach You to Be Rich journal. Email Farnoosh@somoneypodcast.com if you hear your name along with your mailing address.

Podcasts referenced: Alleviating Burnout with Cait Donovan & Socially Responsible Investing with CFP Georgia Lee Hussey

Join Farnoosh's So Money newsletter

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1475: Tara Schuster, Author of Glow In the F*cking Dark and Buy Yourself the F*cking Lilies Feb 15, 2023

A special show for my birthday. We're in conversation with one of my favorite new authors, Tara Schuster, who wrote the acclaimed, wildly popular book Buy Yourself the Fucking Lilies. She will soon release her highly anticipated new book Glow in the F*cking Dark: Simple Practices to Heal Your Soul, from Someone Who Learned the Hard Way. I am reading it now and in true Tara style, the book is raw, relatable, and full of wisdom. She and I discuss easy ways to heal your deepest wounds, getting off your “good enough” plateau, and the power in loneliness. Visit my Instagram to learn how to enter to win a free copy of her new book.

And if you'd like to enter to win a copy of Ramit Sethi's I Will Teach You to Be Rich Journal:

— LEAVE A REVIEW in Apple podcasts. Preferably a review of one of Ramit's appearances on So Money.

And/Or

— CREATE A FAN POST ON SOCIAL MEDIA. This can be a video, reel, feed post on Instagram or TikTok. Tags:

Instagram: @farnoooshtorabi and @ramit

TikTok @farnooshsomoney and @ramit.sethi

Giveaways announced February 19th, 2023.

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1474: Would You Share Your Income Publicly? The Merits of Salary Transparency with Hannah Williams Feb 13, 2023

Fed up with the lack of pay transparency in the US, 20-something Hannah Williams hit the road with a camera to ask everyday Americans "How much do you make?" Since 2022, her videos, posted on social media, have gone viral and it's led her and her co-founder to quit their day jobs and focus on building their company Salary Transparent Street full-time. What are the reactions people have given here when asked to reveal their pay? Is it always "safe" to share?

Follow Salary Transparent Street on all their platforms and learn more here.

To enter to win an I Will Teach You to Be Rich journal by Ramit Sethi:

— LEAVE A REVIEW in Apple podcasts. Preferably a review of one of Ramit's appearances on So Money.

And/Or

— CREATE A FAN POST ON SOCIAL MEDIA. This can be a video, reel, feed post on Instagram or TikTok. Tags:

Instagram: @farnoooshtorabi and @ramit

TikTok @farnooshsomoney and @ramit.sethi

Giveaway ends on February 19th, 2023.

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1473: Ask Farnoosh: Rebuilding Finances Post-Divorce, Talking Money With Aging Parents and 529 Plans Feb 10, 2023

This Friday: How to rebuild your finances in the aftermath of a divorce, the ins and outs of 529 plans, how adult kids can engage their aging parents in a discussion about their retirement and long-term financial plans and a credit card conundrum.

Mentioned on the show: Check out todaytix.com for deals on theatre tickets.

To enter to win an I Will Teach You to Be Rich journal by Ramit Sethi:

— LEAVE A REVIEW in Apple podcasts. Preferably a review of one of Ramit's appearances on So Money.

And/Or

— CREATE A FAN POST ON SOCIAL MEDIA. This can be a video, reel, feed post on Instagram or TikTok. Tags:

Instagram: @farnoooshtorabi and @ramit

TikTok @farnooshsomoney and @ramit.sethi

Giveaway ends on February 19th, 2023.

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1472: Talking Money with Financial Pop Star, Mrs. Dow Jones Feb 08, 2023

As part of the show's partnership with Amex, my latest episode is with the one and only financial pop star Haley Sacks, aka Mrs Dow Jones. In a rare podcast interview, Haley shares the beginnings of her rise to fin-fluencer fame and offers advice on everything from setting money goals to optimizing taxes and banking like a pro.

Mentioned on the program: American Express Rewards Checking

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1471: Big Time Adulting with Caitlin Murray Feb 06, 2023

I am very choosy when it comes to following content creators on social media. One of my favorites is Caitlin Murray for her honest, funny and real advice for parents. As the mom of three, Caitlin takes to Instagram (500k followers) and her podcast, both entitled Big Time Adulting, to entertain and inspire tired, overwhelmed and determined parents everywhere.

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1470: Ask Farnoosh: All-Things Investing Feb 03, 2023

Investing is a big theme on today's show. Listeners want to know:

Should I sell my investments if they've performed poorly and I may need the money soon?
What are the best types of investment accounts for retirement that don't have minimum ages for withdrawals?
How do I prioritize contributions to the 401k, my Roth, and my high-yield savings account?

Plus: The benefits of student loans and the pros/cons of pet insurance.

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1469: Money & Dating: Who Pays, Financial Red Flags, Dating Apps and More Feb 01, 2023

This episode: All your top questions about dating and money answered.

Guest Lily Womble was one of the top matchmakers in the U.S. After setting up hundreds of first dates, she realized that with the right tools, high achieving women could match themselves better than anyone else ever could. She started her company, Date Brazen, five years ago and has since helped thousands of women become their own expert matchmaker with her unconventional, intersectional feminist approach to dating. Grab Lily's Free Guide to Make Dating Feel Like Self-Care. Subscribe to her podcast and follow her on TikTok.

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1468: Create the Rich Life You Deserve with Scarlett Cochran Jan 30, 2023

Scarlett Cochran is the founder of One Big Happy Life and author of the new book, It's Not About the Money: A proven path to building wealth your way while creating the rich life that you deserve. Listen to Scarlett's first appearance on So Money.

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1467: Ask Farnoosh: Choosing a Great Checking Account, Prioritizing Savings Goals and Pros/Cons to Quitting Right Now Jan 27, 2023

On today's episodes: Wise ways to prioritize savings goals and potential risks (and rewards) to quitting your job in this economy. Also, special guest Corey Timlin, Head of Consumer Deposits at American Express, offers insights on how to pick a good checking account.

This episode is brought to us by American Express. For more visit AmericanExpress.com/RewardsChecking.

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1466: Behind the Scenes with Top Financial Journalist Diane King Hall Jan 25, 2023

Today's guest is a friend and top financial journalist, Diane King Hall, who's been covering business news for more than 20 years. King Hall was most recently a correspondent and fill-in anchor for CBS News. She cut her teeth in the leading newsrooms in the country, and embedded on Wall Street. King Hall has worked at Bloomberg, BBC, NY1, and CNN. She is passionate about sharing the principles she has learned to help uplift people and improve their financial lives. She shares wisdom and practical steps from her own journey navigating the world of money.

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1465: "Funny Brown Mom" Zarna Garg on Comedy, Money and Mother-in-Laws Jan 23, 2023

Zarna Garg is one in a billion, an Indian immigrant mom stand-up comedian who believes brown women everywhere have a right to laugh at anything and anyone they want–including the sacred cows: brown men and their mothers. She is a regular at the iconic Comedy Cellar and Carolines on Broadway in NYC, has performed in Vegas and the famed Kennedy Center, and is touring nationwide in 2022. A TikTok comedy sensation with over 100 million views and 510.7k followers (and growing FAST), Zarna won Kevin Hart’s Lyft Comics comedy competition on Peacock and the 2021 Ladies of Laughter Newcomer Award. She also won the Top Comedy Feature Screenplay Award at the 2019 Austin Film Festival and was a Nicholl Fellowships Semi-Finalist. Zarna talks about her pivot to comedy in her 40s, motherhood, money and laughing about the "sacred cows": brown men and their mothers.

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1464: Ask Farnoosh: Use a HELOC to Buy a 2nd Home? Pay Off Loans or Invest More? Jan 20, 2023

This week's Ask Farnoosh covers leveraging the equity in a primary home to buy a second property, how to choose a CPA, whether to invest in a Roth IRA or pay off high interest student loans, and the risks that come with parents helping their adult children pay down debt. Plus, a new reviewer of the week earns a free money consult.

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1463: Career Lessons From the Media Mogul You Never Heard Of Jan 18, 2023

Integrity. Kindness. Substance and value. These may not be the words used to describe today's media moguls or Fortune 500 CEOs, but it is how many remember the late Frank Biondi, the former CEO of HBO, Universal Studios, and Viacom. Today's guest is Jane Biondi Munna, Frank's youngest daughter and co-author of his memoir, Let's Be Frank, where she shares how he made good relationships alongside great deals, earned respect while earning multi-million dollar returns, and maintained character even when surrounded by an industry full of characters.

More about Jane: She is an executive at JPMorgan Chase. She has served for over a decade in roles across marketing, finance, strategy, and communications, including as the executive communications partner to the co-president and COO of the firm. Her twenty years of experience began with investment banking and included a few years in marketing and special events for the Los Angeles Dodgers where she booked celebrities to throw out the ceremonial first pitch or sing the national anthem.

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1462: Managing Financial Anxiety in 2023 with Money Coach Nicole Stanley Jan 16, 2023

We are midway through January and the overwhelm of financial resolution setting may already be setting in. How to navigate your finances and achieve your savings and investing goals more gracefully in 2023? Guest Nicole Stanley is the founder of Arise Financial Coaching, a company dedicated to helping professionals who have tried everything finally ditch debt, save more, and enjoy financial confidence. In five years, she went from battling financial anxiety to building her family’s net worth to over $250K on an annual salary of $56K. In 2020, after her husband became furloughed, Nicole officially started her coaching practice and became the sole breadwinner in her household. She speaks candidly about that pivot.

Fun fact: The average Arise client saves $20K in six months without giving up the things they love. Nicole lives in Denver, CO with her husband and two children.

Learn more about Nicole on her website and Instagram. Check out her So Money interview from May 2022.

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1461: Ask Farnoosh: Weighing the Financial Risks of Divorce Jan 13, 2023

This week on So Money: A listener has a question about losing her house in a divorce and the financial considerations to make before breaking up. How to invest for yourself and your kids under one roof? My best advice for college students seeking a return on their experience? How did I structure my business? And more. Plus, a new reviewer of the week.

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1460: Financial Advice for First-Generation Americans with Anna N'Jie Konte Jan 11, 2023

How to reconcile the fact that while your immigrant parents want you to be financially safe and secure, their advice doesn't speak to your ambitions or search for happiness? Financial planner Anna N'Jie Konte is our guest. She is the founder of Dare to Dream Financial Planning: a fee-only, virtual financial planning firm that serves the needs of 30/40 something women of color who want to live boldly and make a lasting impact on their family tree.

Konte is also the host of the “First-Gen Realness” podcast. There, she engages in conversations with her fellow first-generation Americans in order to reinforce their value and immense contributions to the fabric of America.

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1459: Here's How to Make Life's Most Important Decisions Jan 09, 2023

With the new year comes new decisions: Should I quit? Take the new job? Get married? Have kids? Start a business? Buy a home? Guests today are Stanford Professor Myra H. Strober and social innovation leader Abby Davisson, co-authors of the new book Money and Love: An Intelligent Roadmap for Life’s Big Decisions. In our conversation, they share a road-tested strategy for making high-stakes decisions with confidence and personal alignment.

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1458: Ask Farnoosh: Buying a Home in 2023. Should I Take the Plunge? Jan 06, 2023

Kicking off 2023 with a fresh episode of Ask Farnoosh. Farnoosh talks about the #1 financial lesson she wants her kids to learn, thoughts on new year goals and opportunities for home buyers in 2023. Plus, a new reviewer of the week wins a free 15 minute money call.

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1457: Tori Dunlap, Author of Financial Feminist and Founder of Her First $100k Jan 04, 2023

Globally-recognized personal finance educator, podcast host, and social media star Tori Dunlap joins the show to talk her book, Financial Feminist: Overcome the Patriarchy's Bullsh*t to Master Your Money and Build a Life You Love. It is an inclusive guide to all things money—from managing debt to investing and voting with your dollars.

More about Tori: She quit her corporate job in marketing and founded Her First $100K to fight financial inequality by giving women actionable resources to better their money. She has helped over three million women negotiate salary, pay off debt, build savings, and invest.

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1456: HNY! Farnoosh's Favorite Money Advice Jan 02, 2023

Happy New Year! This episode revisits some of Farnoosh's fave financial wisdom shared on So Money in 2022 that she hopes we'll carry into the new year. Hear from: Caroline Dooner, author of Tired as F*ck, Eve Rodsky, author of Find Your Unicorn Space, Chelsea Fagan, CEO of The Financial Diet and Barbara Sloan, author of Tipped.

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1455: Ask Farnoosh: Best Financial Advice in Your 30s Dec 30, 2022

A replay from April 8, 2022, this Ask Farnoosh covers how to save and invest in your 30s. Also: How badly will a car refi damage my credit score? How to best afford a new home for my parents? This week’s Ask Farnoosh addresses audience questions with guest co-host Georgia Lee Hussy, CFP and founder of Modernist Financial in Portland, Oregon.

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1454: Best of So Money 2022: Money & Mental Health Dec 28, 2022

So Money explored money and mental health throughout the year with the country's leading experts on burnout, anxiety and financial fear. Revisiting some of those discussion in today's episode with guests Cait Donovan, host of FRIED: The Burnout Podcast, Dr. Ellen Vora, author of The Anatomy of Anxiety, entrepreneur Ellie Diop and Katie Gatti, host of Money with Katie podcast on Morning Brew.

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1453: Best of So Money 2022: Financial Equity and the Racial Wealth Gap Dec 26, 2022

Revisiting some of the year's most powerful interviews about financial equity with Christina Blacken, founder of The New Quo, Rendel Solomon, racial justice advocate, and Xavier Ramey, CEO of Justice Informed.

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1452: Ask Farnoosh: Earning Over $250k and Paycheck to Paycheck Dec 23, 2022

This episode originally aired on August 19, 2022.

Farnoosh shares thoughts on an article about households earning $250,000 but living paycheck to paycheck. Audience members want to know: Can I retire early? What to do with an inheritance? How can doctors and healthcare workers improve their finances without leaving the industry? How to be fiscally responsible with a new raise?

Subscribe to Farnoosh's weekly So Money newsletter for the latest updates and advice.

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1451: Overcoming Financial Guilt and Shame Dec 21, 2022

Vee Weir, founder of Vee Frugal Fox, speaks candidly about how guilt, shame and anxiety plagued her financial life after college...and how some of her darkest periods were while following the principles of financial businessman D*ve R*msey. She recognizes that his advice has helped millions of people, but has an important message around how to be more thoughtful and critical of the financial advice we follow and the experts that guide us.

Vee Frugal Fox is an inclusive online brand for those paying down debt, saving money, and living their best financial lives. Vee began her path to financial independence in 2016, She has paid off $71k in five years. She fell in love with personal finance and opened her digital marketing firm, which services other finance brands in the online space. Check out her podcast, Not Another Personal Finance Podcast.

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1450: How to Cut Your Grocery Bill in Half with Gina Zakaria, the Saving Whiz Dec 19, 2022

Though inflation is showing signs of cooling, food prices remain higher than they've been in decades. Gina Zakaria, a personal finance educator and grocery expert, shares some of her road-tested strategies for reducing her grocery bill by 50%.

Through her Saving Whiz platform and social network of over 3 million people, she teaches simple strategies that make it easy to save money. Her mission is to empower others to save in a way that doesn’t feel depriving. She’s been featured on Good Morning America, NBC Today, Forbes, Money, and others. Gina also runs her online community, Super Savers, where she coaches and guides members to save money the easy way, so they have more money for things they love. Grab her free Freeze List.

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1449: Ask Farnoosh; My Company's Offered to Pay My Downpayment,. What's the Risk? (Bonus: The White Lotus Analyzed!) Dec 16, 2022

This week: A listener's company is offering to help pay for the downpayment on a home. Is it too good to be true? How to share the cost of furniture when moving in with your partner? Special guest and Farnoosh's friend Laura Belgray, Founder of Talking Shrimp stops by at the end of the episode to talk about The White Lotus finale (spoiler alert!) and what we learn about money and power. Grab Laura's freebie, Story Goldmine, here.

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1448: Why is the Middle Class Disappearing? Dec 14, 2022

Alissa Quart, the author of several books, including Squeezed: Why Our Families Can’t Afford America, offers insights into her in-depth reporting on economic hardship. We discussed the people who now make up the “middle precariat,” those considered middle-class professionals living a precarious economic life, who are just barely making it, underemployed and/or saddled with debt. We discuss how generations are being squeezed, what inequality looks like and how to build a better future. To listen to Alissa's audio series Going for Broke, click here. For more related content in our "Priced Out" series on CNET Money, click here.

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1447: The True Cost of Living for Middle and Lower Income Americans Dec 12, 2022

What is the True Living Cost in America? How do the CPI - Consumer Price Index - and Unemployment Rate fall short of measuring our economic realities? Guest Gene Ludwig is a former Comptroller of the Currency and now chairman of the Ludwig Institute for Shared Economic Prosperity. LISEP provides a more accurate picture of the economic reality for families through the creation of a cost of living metric called TLC, or TRUE LIVING COST, which factors in housing, food, transportation, healthcare, childcare, technology and other miscellaneous. For more related content in our "Priced Out" series on CNET Money, click here.

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1446: Ask Farnoosh: Favorite Side Hustles? Best Money Apps? Lease a Car? How Much Life Insurance Should I Buy? Dec 09, 2022

This week's Ask Farnoosh addresses questions about side hustles, the best financial apps, leasing a car, calculating life insurance needs and the myth of imposter syndrome.

Check out: Farnoosh's biggest money mistake
Stuck on what to give your friend (or yourself) this holiday season? The 2023 So Money Page-a-Day calendar is chock-full of Farnoosh's best tips and insights to help you live a richer life. Use the code CALENDAR22 and save 20% at pageaday.com

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1445: Gig Work in America: Risks, Costs and a Better Path Forward Dec 07, 2022

Choose your hours, choose your work, be your own boss, control your own income. Welcome to the gig economy, a nebulous collection of online platforms and apps that promise to transcend capitalism. Supporters argue that the gig economy will reverse economic inequality, enhance worker rights, and bring entrepreneurship to the masses. But does it? Guest Alexandrea J. Ravenelle, Associate Professor of sociology at UNC-Chapel Hill and author of Hustle and Gig, shares the personal stories of nearly eighty predominantly millennial gig workers, underlining the volatility of working in the gig economy.

For more related content in our "Priced Out" series on CNET Money, click here.

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1444: What Does it Cost to Live? Securing Basic Health Care and Surviving Medical Bill Hell Dec 05, 2022

We're exploring the *real* cost of living over the next couple of weeks, examining how everyday Americans are struggling to cover basic needs. Today's focus is the cost of health care and what we need to know, as we attempt to secure our essential health care and pay for medical bills. Guest Emily Maloney is the author of Cost of Living, a collection of essays about her life experience dealing with illness, money and medicine, from the perspective as a patient and a professional -- an EMT, an emergency room tech, and a drug rep. She is a survivor of the difficulties many Americans face while navigating the healthcare system and has a great deal of insights and advice to share. For more related content in our "Priced Out" series on CNET Money, click here.

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1443: *New* Ask Farnoosh: Best Place to Save, Tax-Wise Investing and Qualifying for PSLF Dec 02, 2022

All new Ask Farnoosh. Listeners want to learn about the best tax-wise way to invest for retirement, the smartest places to save (CDs or I Bonds?), whether short or long-term disability leave can hurt your chances of qualifying for Public Service Loan Forgiveness and whether it's wise to buy universal life insurance.

Grab your copy of the SO MONEY Page-A-Day CALENDAR. Save 20% with the code SOMONEY23 on PageaDay.com

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1442: Financial Advice for Step Parents and Blended Families Nov 30, 2022

The modern family is often a blended one. How should couples with step children manage expenses? What are the important conversations to have before getting married? Expert Cameron Normand, co-founder of The Stepmom Summit, joins to share insights from her work and real life as the stepmom to four children.

More about Cameron: She is founder/CEO of This Custom Life, where she provides stepmoms with tools and advice to help them manage their blended family lives. She is a Certified Stepfamily Coach, the creator of the BLENDED Family Formula For Stepmom Success, and author of The Stepmom’s Gratitude Journal. Cameron is married to a recently-retired Army veteran and has four stepchildren. The link for Cameron's freebie is www.stepfamilymoney.com.

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1441: The Most Powerful Woman in American Economic History Nov 28, 2022

As Treasury Secretary, former Federal Reserve Chairwoman and Chair of the White House Council of Economic Advisers, Janet Yellen is one the most powerful woman in American economic history. Award-winning economics writer and author Jon Hilsenrath joins with insights about her life and work from his new book, Yellen: The Trailblazing Economist Who Navigated an Era of Upheaval. He shares how she navigated the sexism in her industry and in politics, herunconventional partnership in marriage and work with Nobel Laureate George Akerlof and why she didn't always "lean in."

More about Jon Hilsenrath: He is a senior writer for the Wall Street Journal, where he has been since 1997, reporting from Hong Kong, New York, and Washington, DC. He was a Pulitzer Prize finalist in 2014 for his coverage of the Federal Reserve; part of a team of 2009 Pulitzer finalists for coverage of the global financial crisis; and contributed on-the-scene reporting from the World Trade Center on September 11, 2001, which helped the WSJ win a Pulitzer in 2002.

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1440: A Prescription Saving Hack, Saving for a Home, Pros/Cons to Financial Advisors Nov 25, 2022

This episode originally aired on Friday Oct. 7

On today's show: benefits of a financial adviser, managing savings ahead of buying a house, FAFSA fun facts and a crazy but true strategy for affording a pricey prescription not covered by insurance.

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1336: Scaling a Small Business Without Going Broke with Lara Hodgson Mar 28, 2022

While it's never been a better time to start a business, it's also never been harder to grow a business. Guest Lara Hodgson is coauthor with long-time business partner Stacey Abrams of the new book LEVEL UP: Rise Above the Hidden Forces Holding Your Business Back. In it they share intense behind-the-scenes stories of building their own businesses—two of which failed, and the third successful company, NOW. Lara provides actionable, get-it-done principles for founders—especially those who have been historically disadvantaged in entrepreneurship like women and people of color—to break free and get to the next level.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1335: Ask Farnoosh: How to Close the Investing Gap and Master the Market Mar 25, 2022

What is behind the female investing gap? What are the reasons women are better at investing? How to begin investing in stocks? We’re covering all things women and investing, as we cap our Women’s History Money series with Prudential . Our guest is Rosalyn Glen who has over 30 years of experience helping clients reach their fullest financial potential.. She is the President/CEO of Destiny Wealth Advisors & Consulting. She works with individuals, businesses, churches, and nonprofits in developing strategies to ensure their longevity and sustainability. She is a representative of Prudential Financial Planning Services. For more information, check out www.prudential.com/somoney.

Prudential Disclosure: Our financial advisors offer investment advice, and some may offer financial planning. Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Services (PFPS). A financial advisor or financial planner offers securities products and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. Chartered Financial Services is not affiliated with The Prudential Insurance Company of America and its affiliates, including Pruco. Other products and services may be offered through a non-Prudential entity. 1-800-778-2255

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1334: Launching Financial Grown-Ups with Bobbi Rebell Mar 23, 2022

How to prepare your young adult child for the real financial world and ensure they set themselves up for success? Bobbi Rebell joins to share insights from her personal experiences and her new book Launching Financial Grownups: Live Your Richest Life by Helping Your (Almost) Adult Kids Become Everyday Money Smart.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1333: Demystifying Disability and Closing Opportunity Gaps Mar 21, 2022

Guest Emily Ladau, disability rights activist joins to share her personal experiences, as well as insights from her book, Demystifying Disability: What to Know, What to Say, and How to Be an Ally. She discusses how we ought to redefine the term disability, the opportunity gaps for people with disabilities and how individuals, companies and lawmakers can help advance professional and financial opportunities for the community.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1332: Ask Farnoosh: Best Ways Women Can Prepare for Retirement? Mar 18, 2022

What would it take to feel more confident about your personal retirement savings? What’s a good “number” to shoot for and what are all the ways to support your long-term savings needs? We’re continuing our Women’s History Month series with Prudential and helping us navigate this topic and provide some professional advice is Lucy Chamberlain, a Financial Planner at Prudential Financial. For more insights check out Prudential.com/SoMoney

Prudential Disclosure: Our financial advisors offer investment advice, and some may offer financial planning. Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Services (PFPS). A financial advisor or financial planner offers securities products and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. Chartered Financial Services is not affiliated with The Prudential Insurance Company of America and its affiliates, including Pruco. Other products and services may be offered through a non-Prudential entity. 1-800-778-2255

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1331: Rewriting Your Money Story with Christina Blacken, Founder of The New Quo Mar 16, 2022

What's your money story? We're discussing "narrative intelligence," a powerful technique that can help us rewrite and reclaim our money stories and, in turn, our financial livelihoods. My guest is Christina Blacken, a public speaker, performer, and founder of The New Quo. The New Quo is a leadership development and equity consultancy, helping leaders create inclusive practices, habits, and goals through their narrative intelligence.

More about Christina: She helps leaders identify the psychological impact of historical, cultural, and personal narratives on beliefs, bias, and behaviors to improve their bias recognition, as well as providing them with leadership tools to create more equitable communication, goal setting, decision making, and relationship building skills. She's applied this methodology to a variety of equity problems, from social media content moderation, to creating equity goals and practices for every area of a business, to helping companies create more inclusive language in their content and services. She's trained 8,809 leaders across 9 industries, and has been featured in Forbes, Business Insider, and Nasdaq.com among other outlets.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1330: Stop Buying Into the Myth of Imposter Syndrome and Earn More with Ruchika Tulshyan Mar 14, 2022

On today's show: What is imposter syndrome and why are more women led to believe they suffer from it? How does this prevent women and women of color to excel at work and build financial independence? Guest Ruchika Tulshyan is an award-winning inclusion strategist, former business journalist, and CEO of Candour, which works with organizations to create diverse teams and inclusive cultures. Her new book is INCLUSION ON PURPOSE: An Intersectional Approach to Creating a Culture of Belonging at Work.

The Harvard Business Review article, "Stop Telling Women They Have Imposter Syndrome"

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1329: Ask Farnoosh: Life Insurance Strategies for Women Mar 11, 2022

Our Friday Women’s History Month series continues. Today, in partnership with our sponsor Prudential, we are dedicating the show to the topic of life insurance and how women tend to be underinsured. What steps can women take to protect themselves and their loved ones with life insurance? What if you're single, don't have children or don't work? Is life insurance still a must?

Our guest is Blanche Cheeley, a Financial Planner at Prudential Financial specializing in designing a personal plan that will help close the gap in building & protecting your wealth, eliminating the things that causes us to live a “what-if” in retirement by educating, implementing & executing your plan. For more insights, visit www.prudential.com/SoMoney

Prudential Disclosure: Our financial advisors offer investment advice, and some may offer financial planning. Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Services (PFPS). A financial advisor or financial planner offers securities products and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. Chartered Financial Services is not affiliated with The Prudential Insurance Company of America and its affiliates, including Pruco. Other products and services may be offered through a non-Prudential entity. 1-800-778-2255

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1328: How One Fintech Helps U.S. Newcomers Establish Immediate Credit Mar 09, 2022

Misha Esipov is the CEO and co-founder of Nova Credit, the mission-driven fintech company building a fair and inclusive financial system for the world. The consumer-permissioned credit bureau helps U.S. newcomers to use their international credit history to apply for credit cards, auto loans, rental properties and more with the Credit Passport™. Through this offering, the company has built partnerships in over 20 countries to gain real time access to over a billion credit profiles. Misha holds a B.S. in Mathematics and Finance from New York University and an M.B.A. from the Stanford Graduate School of Business.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1327: The Financial Cost of FoMO with Patrick McGinnis, Author of Fear of Missing Out Mar 07, 2022

From cryptocurrency to housing, the fear of missing out (FoMO) drives a great deal of our financial decisions. Guest Patrick McGinnis, the first to coin the term FoMO, shares the root causes of this fear, as well as the unfortunate costs of FoMO-led investing and spending. His book is called Fear of Missing Out: Practical Decision-Making in an Overwhelming World.

More about Patrick: He is an international venture capitalist and host of the hit podcast FOMO Sapiens. Patrick coined the term FOMO (Fear of Missing Out), as well as the related term FOBO (Fear of a Better Option) in a 2004 article in the student newspaper of Harvard Business School. FOMO has since been added to the dictionary and FOBO has become an increasingly popular framework to describe choice paralysis. Patrick is also the author of international bestseller The 10% Entrepreneur: Live Your Startup Dream Without Quitting Your Day Job.

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1326: Ask Farnoosh: How Women Can Plan and Build Financial Resilience Mar 04, 2022

As we begin the month of March, Women’s History Month, we are dedicating our Friday episodes to important financial themes that touch all of our lives, but especially the lives of women – from planning to investing to retirement and more.

For this So Money has partnered with Prudential and each Friday a financial expert from Prudential will join me to answer your money questions. Today our theme is women’s unique financial challenges, the importance of financial planning and how planning builds resilience.

Our guest is Sarah Benton Smedley who has been a Financial Planner at The Prudential Insurance Company of America since 2013. Sara is passionate about financial wellness and helping her clients achieve their goals through education, guidance and crafting custom strategies for their financial future. In this episode we’ll talk about how to financial plan if you’re unemployed, the evolving financial goals of women today (much different than 20 years ago) and when it makes sense to take on debt to achieve certain financial goals. For more insights, visit www.prudential.com/SoMoney

Prudential Disclosure: Our financial advisors offer investment advice, and some may offer financial planning. Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Services (PFPS). A financial advisor or financial planner offers securities products and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. Chartered Financial Services is not affiliated with The Prudential Insurance Company of America and its affiliates, including Pruco. Other products and services may be offered through a non-Prudential entity. 1-800-778-2255.

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1325: Financial Adulting, A How-To with Ashley Feinstein Gerstley Mar 02, 2022

In this episode, guest Ashley Feinstein Gerstley, author of Financial Adulting, breaks down key steps to being a financially confident and conscious adult.

Ashley is a money coach, author of The 30-Day Money Cleanse, and the Founder of the Fiscal Femme, a money platform on a mission to end inequality through financial well-being.

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1324: Home Prices Are Set to Soar in 2022; Advice for Buyers Feb 28, 2022

If you're seeking to buy a home this spring, it's going to be another challenging market. With a severe inventory shortage, prospective buyers face continued pressure. Bidding wars will continue. How can buyers come out ahead? CNET's Alix Langone joins to share her insights and offer buyers some good news.

More of Farnoosh's related articles on CNET;

6 Reasons Home Prices Will Go Up: https://www.cnet.com/personal-finance/mortgages/6-reasons-why-home-prices-will-keep-going-up-and-what-buyers-can-do-about-it/

Co-Buying a Home With a Friend? https://www.cnet.com/personal-finance/mortgages/co-buying-a-home-with-a-friend-answer-these-5-questions-first/

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What the Russia-Ukraine War Means for Stocks, Gas, Financial Security Feb 27, 2022

A short, impromptu episode to address the Russia-Ukraine war and some of your related financial questions, as well as how we can support the people of Ukraine. We have experienced reporters covering this war from all angles at CNET.

Read CNET's Dan Avery's piece on the effects of the war on the global economy here; https://www.cnet.com/how-to/ukraine-russia-war-impact-on-gas-stocks-inflation-and-the-us-economy/
CNET's Katie Teague writes about how we can give in a meaningful way right now. https://www.cnet.com/how-to/ukraine-refugees-how-to-help-those-affected-by-the-russian-invasion/

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1323: Ask Farnoosh: Should I Invest in a Restaurant? Use Equity to Pay off Student Loans? Feb 25, 2022

This week on Ask Farnoosh, questions about investing in a restaurant, paying down debt with the proceeds from a home sale and how to stay financially independent when your partner makes significantly more? Plus, Farnoosh shares insights from a hot new real estate trend.

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1322: How to Run a 7-Figure Tiny Business with Elaine Pofeldt Feb 23, 2022

Farnoosh speaks with Elaine Pofeldt, an independent journalist who specializes in small business and entrepreneurship, about her new book: Tiny Business, Big Money. Pofeldt offers insights into the 60+ seven-figure businesses with small teams that are reinventing the small business landscape.

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1321: Money & Your Mental Health with Dr. Ellen Vora, Author of The Anatomy of Anxiety Feb 21, 2022

Farnoosh speaks with Dr. Ellen Vora, psychiatrist and author of the book The Anatomy of Anxiety: Understanding and Overcoming the Body's Fear Response about the root of our anxieties, how they impact our financial wellness and her holistic approach to healing.

More about Dr. Vora: She received her B.A. from Yale University and attended Columbia University medical school. She's a board-certified psychiatrist, medical acupuncturist, and yoga teacher. Dr. Vora takes a functional medicine approach to mental health--considering the whole person and addressing imbalance at the root, rather than reflexively prescribing medication. In addition to her private practice and speaking engagements, Dr. Vora consults for healthcare startups.

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1320: Ask Farnoosh: Your Top Tax Questions Answered & Quickest Way to Save for a Downpayment Feb 18, 2022

This week's Ask Farnoosh: A rundown of some of your biggest tax-related questions answered. Listeners also want to know how to save aggressively for a home downpayment, ways to save on health care costs and what to do when you make too much to invest in a Roth IRA?

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1319: Making Bold Moves in Work and Money in Your 50s with Tamsen Fadal, Emmy-Winning Journalist Feb 16, 2022

Tamsen Fadal is a journalist and a champion for women in their prime. She anchors the primetime news for WPIX-TV in New York City. Her latest movement is called Unlock Your Bold where Tamsen champions men and women in their 50s and beyond, as they navigate work, money, health, relationships and more. Her new podcast Coming Up Next is a weekly show about where I talk with people about how to approach the next stage of your life boldly.

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1318: How to Invest in Art on a Budget with Liz Lidgett, Gallery Owner and Art Advisor Feb 14, 2022

Guest Liz Lidgett is an art advisor, writer and gallery owner. As Founder of Liz Lidgett Gallery and Design, she works with people to find the perfect piece of art for their style, space, and budget. Farnoosh and Liz discuss ways to spot worthwhile art "investments" on a budget, how to build a successful business as an emerging artist right now, NFTs and more.

Artists mentioned in our conversation: Betsy Enzensberger, Hunt Slonem, Damien Hirst and Elisa Sheehan. Learn more about them and many more artists at www.lizlidgett.com.

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1317: Ask Farnoosh: How to Negotiate When Companies Won't Share Budgets or Salary Bands? Feb 11, 2022

This week on Ask Farnoosh, a frustrated listeners shares how employers and recruiters refuse to share salary information but insist you ask for what you want to make. How can you work around this and avoid being low-balled? Also: Should I use emergency savings to cover living expenses? How can couples (with kids) prioritize savings goals?

Got a question for our Friday episodes of Ask Farnoosh? Text 415-942-5002.

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1316: Speaking to Power at Work and Defining Success on Your Terms with Deepa Purushothaman Feb 09, 2022

In her forthcoming book, The First, The Few, The Only: How Women of Color Can Redefine Power in Corporate America, Deepa Purushothaman lays the groundwork for how other women of color can redefine success on their own terms. Farnoosh and Deepa discuss ways to push back against toxic messaging—including the things we tell ourselves and how to let go of the extra burdens and excess work WOC take on for companies in the name of culture building. Learn more about Deepa on her website.

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1315: Defining Wealth for Women with Bonnie Koo, MD Feb 07, 2022

Guest Bonnie Koo, MD, joins to discuss insights and advice from her new book, Defining Wealth for Women. She discusses why everything you’ve ever learned about money is probably wrong, the common misconceptions and limiting beliefs that many professional women have when it comes to money and alt ways to pursue the medical profession that can lead to greater financial security.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1314: Ask Farnoosh: Money problems with my sister. Help! Feb 04, 2022

On this weeK's Ask Farnoosh, a listener who works for her sister shares how she is sorely underpaid compared to other employees. Is her sister taking advantage? How to deal? Also: A listener wants to know whether to go to law school or accept a job in finance.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1313: Money x Divorce, Narcissism & Emotional Abuse with Lauren Greutman Feb 02, 2022

Financial expert and author Lauren Greutman returns to So Money after several years. She opens up about the struggles that led to her recent divorce and why it's motivated her to have more challenging conversations about money with her audience. She's the host of the new podcast Hard Money Talks which tackles topics such as financial abuse, spending addictions, financial infidelity, hidden addictions and mental health.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1312: Lessons From the Gamestop Squeeze and "Meme" Stocks: One Year Later Jan 31, 2022

On the one-year anniversary of the Gamestop stock squeeze that took over market headlines, what are the key lessons everyday investors need to understand from that weird, erratic phenomenon in financial history? What does it reveal about the Wall Street's "game" and the true winners and losers? Are trading platforms like Robinhood helpful or harmful? And is this certain to happen again? Our guest is Spencer Jakab, award-winning financial journalist at the Wall Street Journal, former stock analyst, and author of The Revolution That Wasn’t: GameStop, Reddit, and the Fleecing of Small Investors.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1311: Ask Farnoosh: Should I Buy the Market Dip? Best Ways to Pay Off Debt? Jan 28, 2022

This week Farnoosh answers audience questions related to the recent stock market decline and whether it is a buying opportunity for investors. Also: how best to save and invest for a grandchild's education from Kindergarten through college. And advice for a new couple struggling to pay down $25,000 in credit cards. Farnoosh picks a reviewer of the week. Read her latest CNET Money articles about cryptocurrency and Generation X.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1310: Financial Planning in Support of Reparations Jan 26, 2022

One of the most powerful ways to close wealth gaps, many agree, is through reparations. "A system of redress for egregious injustice," is how the Bookings Institute defines reparations. As allies and anti-racists, how can we support reparations through the various aspects of financial planning - investing, estate planning, taxes, and insurance? Guest Georgia Lee Hussey, founder of Modernist Financial, shares her advice and conversations she's having with clients around this important topic.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1309: Find Your Unicorn Space with Eve Rodsky, NYT Bestselling Author Jan 24, 2022

Eve Rodsky, the New York Times bestselling and Reese’s Book Club pick author of Fair Play, visits So Money to discuss her latest title FIND YOUR UNICORN SPACE: RECLAIM YOUR CREATIVE LIFE IN A TOO-BUSY WORLD. The book is a practical guide for reclaiming (or discovering for the first time) the talents, interests, skills, and curiosities lying dormant behind the too-busy grind of everyday life.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1308: Ask Farnoosh: Should couples file taxes jointly or separately? Am I saving too much for retirement? Should I file for bankruptcy? Jan 21, 2022

This week's Ask Farnoosh: Thoughts on filing for bankruptcy? Should married couples file taxes jointly or separately? Am I saving too much for retirement? and more. Farnoosh picks a reviewer of the week to receive a free 15-minute money session.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

Subscribe to her weekly So Money newsletter for the latest updates and advice.

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1307: How to End Our Unconscious Beliefs About Money with Paco de Leon Jan 19, 2022

Paco de Leon, founder of financial education company The Hell Yeah Group, shares advice from her upcoming book, Finance for the People: Get a Grip on Your Finances. The book addresses our gaps between financial intention and behavior, how money is a proxy for power and a special message for those who have been victims of inequality. Learn more about Paco and her work on her website.

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1306: Turning Anti-Racism into Action with Authors of Dear White Women Jan 17, 2022

Misasha Suzuki Graham and Sara Blanchard, the authors of the popular podcast Dear White Women have released a new book bearing the same title. It is, as they describe it "an anti-racism guide that challenges readers to encounter the hard questions about race (and racism) in order to push the needle of change in a positive direction."

Want more articles and videos by Farnoosh? Check out www.cnet.com/somoney.

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1305: Ask Farnoosh: Should I become a stay-at-home mom? Jan 14, 2022

Happy Birthday to So Money! The podcast turns 7 years old today. Farnoosh answers listeners' questions about whether it's OK to only put down 10% towards the purchase of a home, how interest rates factor into a prospective homebuyer's plans, how to decide if it's OK to quit your job to become a stay-at-home parent and what to do with a 401(k) if you just quit and plan to go to school. Farnoosh picks a reviewer of the week. Be sure to follow Farnoosh's latest articles and videos at www.cnet.com/somoney.

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1304: How to make more money in 2022 with Alexandra Carter, Author of Ask For More Jan 12, 2022

In the wake of The Great Resignation, what are the new ways employees can leverage this movement to ask for more money? Whether you're seeking a raise at your current company or looking to negotiate a new salary, guest Alex Carter joins to discuss insights from the paperback of her bestselling book Ask for More: Ten Questions to Negotiate Anything — the first negotiation book solo-authored by a woman to make that list. We discuss macro issues like inflation and if/how that should be woven into your negotiation, how to drive home your value in a digital-only workplace where it may be more challenging to be recognized for your work and productivity and lots more workplace negotiating advice.

More about Alex: She is a Clinical Professor of Law and Director of the Mediation Clinic at Columbia Law School. She has spent the last eleven years helping thousands of people negotiate better, build relationships and reach their goals. In 2019, Alex was awarded the Columbia University Presidential Award for Outstanding Teaching, Columbia University’s highest teaching honor.

For more, check out:

Farnoosh's tips on how to ask for a raise on CNET Money's YouTube page

How to get the raise you deserve by CNET's Pallavi Kenkare

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1303: News ways to think about financial planning, the best money apps and more Jan 10, 2022

Joe Saul-Sehy, host of Stacking Benjamins podcast and co-author of Stacked: Your Super-Serious Guide to Modern Money Management, joins to discuss new ways to think about financial planning, his favorite money apps and more.

More about Joe: Destroying his credit immediately after leaving home, Joe had to learn about money the hard way—and much of it as he was telling other people how to manage their money, as a financial advisor. After 16 years in the industry he moved to financial media, creating Stacking Benjamins, one of the most listened to podcasts in the personal finance sphere. Kiplinger has called the show the “best personal finance podcast” and Fast Company has described it as striking a “great balance between fun and functional.” Joe lives in Texarkana with his spouse, Cheryl, and cat, Cooper, recording shows in his mom’s basement next door. To learn more about Joe and his book, check out his website.

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1302: Ask Farnoosh: Wise to transfer credit card debt to a personal loan? Jan 07, 2022

The first Ask Farnoosh of 2022 covers a wide range of audience questions: Is it wise to transfer credit card debt to a private loan? How might cosigning a mortgage with a loved one (even if you're not the one paying the mortgage) impact your ability to qualify for your own home loan down the road? Do you need to be a CFP to become a financial journalist? Where is the best place to park savings these days? Farnoosh selects a reviewer of the week. To join her newsletter, click here.

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1301: Grace Bonney, Collective Wisdom From Trailblazing Women Over 50 Jan 05, 2022

NYT Bestselling author and creator of Design Sponge, Grace Bonney, joins the show to talk about her new book Collective Wisdom: Lessons, Inspiration, and Advice from Women Over 50. From an Olympic athlete and a NASA team member to award-winning artists, activists, writers, and filmmakers, Bonney shares the key takeaways, insights and predictions these remarkable women have about our world. Got a question for Farnoosh?

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1300: Burnout at the hands of hustle culture with Caroline Dooner, author of Tired as F*ck Jan 03, 2022

Bestselling author Caroline Dooner joins with an important message as we enter a new year: Let's get some rest!

She is the author of the new book (coming Feb 22): Tired as F*ck: Burnout at the Hands of Diet, Self-Help, and Hustle Culture

Book summary: Offering a frank and funny critique of the cultural forces that are driving us mad, author Caroline Dooner examines how treating ourselves like never ending self-improvement projects is a recipe for burnout. We have become unknowingly complicit in perpetuating our own exhaustion because we are treating ourselves like machines. But even phones need to f*cking recharge.

Caroline takes a good hard look at the dark side of self-help, and explains how she eventually used a radical period of rest to push back against cultural expectations and reclaim some peace. Tired As F*ck empowers us to say no to the things that exhaust us. It inspires us to carve out time to slow down, feel okay about doing less, and honor our humanity.

This is not a self-help book, it’s a cautionary tale. It’s an honest look at the dogma of wellness and spiritual self-improvement culture and revels in the healing power of rest and letting shit go.

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1299: Ask Farnoosh: Financial Advice for my 40's! Dec 31, 2021

This episode aired originally on February 12, 2021.

As Farnoosh journeys further into her 40s, she shares her top pieces of financial advice to accomplish in the next decade. Plus, listeners ask: How to talk to parents about their finances if they're stubborn or too proud (but you know they're struggling), how to create a bridge between a current career and a future one, and how self-employed can best save for retirement.

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1298: How to Master the Long Game in Work, Money & Life with Dorie Clark Dec 29, 2021

This episode aired originally on September 22, 2021.

Author and Duke University Professor Dorie Clark joins to share insights from her latest book, "The Long Game: How to Be a Long-Term Thinker in a Short-Term World." Clark talks about how to break out of the endless cycle and create the kind of interesting, meaningful lives we all seek, with unique principles and frameworks you can apply to your specific situation.

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1297: Financial Freedom for Latinas with Jannese Torres-Rodriguez Dec 27, 2021

This episode aired originally on April 14, 2021.

Jannese Torres-Rodriguez is a nationally-acclaimed Latina Money Expert, Educator, Speaker, Writer and Business/Wealth Coach. She became an accidental entrepreneur after a job loss led her to create a successful Latin food blog,Delish D’Lites. Now, she helps her clients and listeners build successful online businesses that allow them to pursue financial independence and freedom. Jannese is on a mission to educate marginalized communities on topics like entrepreneurship, investing, and building generational wealth through her personal finance podcast, “Yo Quiero Dinero.” The podcast has been featured by BuzzFeed, Business Insider, NextAdvisor (Time), Grow Magazine (CNBC), Bankrate and more.

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1296: Ask Farnoosh: How to Create a "Sustainable" Investment Portfolio Dec 24, 2021

This episode aired originally on November 5, 2021.

Georgia Lee Hussey, co-founder of Modernist Financial and certified financial planner walks us through our options when it comes to so-called impact investing. She answers listener questions about creating a sustainable portfolio, buying flood insurance and more.

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1295: Why (and How) We Should All Be Millionaires with Author Rachel Rodgers Dec 22, 2021

This episode originally aired on April 28, 2021.

Guest Rachel Rodgers is the founder of HelloSeven and author of the the highly anticipated book We Should All Be Millionaires.

She teaches women how to make the kind of money that will give them the authority to make meaningful changes in their communities and close the opportunity gap that exists today. It’s not just about being wealthy, it’s about having a mindset of wealth.

More about Rachel: She is a business coach, mother, wife, intellectual property lawyer and CEO who says that according to the “State of Women-Owned Businesses” 2019 report, women own 51% of all businesses in the US but only bring in 4.2% of the revenue. For women of color, those numbers are even less.

Follow Rachel on Instagram @RachelRodgersESQ

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1294: Why we need to unfollow our passion with author Terri Trespicio Dec 20, 2021

This episode aired originally on November 8, 2021.

We’ve all heard the expression, Follow Your Passion, but how realistic is it? It’s not the be all, end all, to achieving fulfillment and success, says guest Terri Trespicio. In her new book Unfollow Your Passion, she shares the insights and tools for living a meaningful life on your own terms. In our conversation we discuss why pursuing “the one thing” and making bucket lists can set us up for failure and disappointment.

The book is based on Terri’s famous TEDx talk has more than seven million views. Pre-order Unfollow Your Passion (released date: 12/21) and get early bird exclusives.

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1293: Ask Farnoosh: Best way to pay for a home reno? Credit advice for ex-pats? 2021 money lessons and more. Dec 17, 2021

This week, Farnoosh shares her top financial reflections from 2021 and answers listeners' questions about the best way to afford a large home renovation project, how to preserve your credit after you move abroad, and whether a partner's financial guidance is too much? Farnoosh picks a reviewer of the week!

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1292: Paying off your mortgage with your IRA? An economist's take on personal finance Dec 15, 2021

Laurence Kotlikoff is a Professor of Economics at Boston University and author of the forthcoming book, MONEY MAGIC: An Economist’s Secrets to More Money, Less Risk, and a Better Life. We discuss the differences between an economist's approach to financial planning versus Wall Street's. Kotlikoff shares unconventional wisdom, such as the benefit of paying off your mortgage with your IRA in retirement, how some professions are better to pursue in terms of lifetime earnings (clue: it's not medicine) and why delaying retirement by just two years can enhance financial security.

More about Laurence: He is Fellow of the American Academy of Arts and Sciences, Fellow of the Econometric Society, Research Associate of the National Bureau of Economic Research, President of Economic Security Planning, Inc., and Director of the Fiscal Analysis Center. Professor Kotlikoff has written 20 books and hundreds of professional articles and Op-Eds. He is a New York Times best-selling author and a frequent television and radio guest. His columns have appeared in The New York Times, The Wall Street Journal, The Financial Times, The Boston Globe, Bloomberg, Forbes, Yahoo.com, Fortune, and other major publications. In 2014, The Economist named him one of the world’s 25 most influential economists. Learn more about his work and find additional resources by visiting his website here.

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1291: Behind the Scenes: UN Climate Conference with CNET's Katie Collins Dec 13, 2021

CNET's European Correspondent Katie Collins joins to share key take-aways and insights from the recent United Nations climate summit, aka "COP26," held in Glasgow, Scotland.

The event, a gathering of world leaders and dignitaries, activists and corporate leaders, yielded a number of surprises, as the world works to adapt to a climate-changing world. What role did the U.S. play at the conference? Were the voices of the younger (mostly female) activists offered a platform? What was Amazon's Jeff Bezos doing there? How will oil and gas companies adapt to climate change? Katie breaks it all down.

More about Katie: She is CNET's London-based news reporter. She is passionate about innovation, great design, privacy issues and tech for good. Katie nerds out over maps and planes, both of which she uses to navigate her way around the world on epic adventures. In a previous life, she wrote for Reuters, Wired and Ars Technica. She loves CNET so much that she has worked for the site twice.

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1290: Ask Farnoosh: How much is "too much" to have in the bank? Dec 10, 2021

This week, listeners want to know: how much is too much in savings? How to best save for a child's future? What's better: a Roth or Traditional 401K? Check out Farnoosh's new YouTube show with CNET MONEY www.youtube.com/cnetmoney

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1289: The 411 of 529 Plans and the Best Ways to Save for College and Higher Ed Dec 08, 2021

We take a closer look at one of the most popular college savings vehicles - the 529 plan. Guest Patricia Roberts, author of Route 529: A Parent’s Guide to Saving for College and Career Training with 529 Plans, shares her expertise. For 23. years, Patricia has helped tens of thousands of families plan and save for college...and avoid millions of dollars in student loan debt. She is also Chief Operating Officer at www.giftofcollege.com.

Years prior, as a brand-new parent struggling to repay over $100,000 in student loan debt that she and her husband they accumulated (as first-generation college goers from low-income families), Patricia was absolutely determined to make sure her son would have a less financially stressful academic experience when he grew up. Having learned about 529 plans through her work, she began saving a little at a time from each paycheck as soon as she returned from maternity leave and 22 years later in June 2021, she proudly celebrated her son Ben’s debt-free from college (Clark University in Worcester, MA).

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1288: The (Real) Truth About Couples and Money with Ed Coambs, CFP Dec 06, 2021

Ed Coambs is an internationally recognized thought leader in financial therapy who has been cited by the Wall Street Journal, the Associated Press, Time, and CNBC. He leads couples through therapy from financial despair and frustration into financial intimacy and connection using the latest in love and brain science. He earned master's degrees in business, counseling and financial planning. He is a licensed marriage and family therapist, CFP and Certified Financial Therapist.. Learn more about Ed, his course and book, The Healthy Love and Money Way at www.healthyloveandmoney.com

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1287: Ask Farnoosh: Budgeting for the holidays as a couple, managing money with AHDH, saving in a pricey city and more Dec 03, 2021

This week listeners want to know: how can a couple budget for the holidays when one person wants to put a lid on spending and the other person is offended by this? Where to park savings for a downpayment - savings or stocks? How to live it up in an expensive city and save at the same time? And how can a person with ADHD get a better handle on spending and budgeting?

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1286: Fixing the Racial Wealth Gap with Rodney A. Brooks Dec 01, 2021

Rodney A. Brooks, a veteran newspaper journalist, writes about retirement and personal finance issues, and racial, wealth and health disparities. His columns currently run in U.S. News & World Reportand AARP’s Senior Planet. He has also written columns for The Washington Post and USA TODAY.

He is author of the book Fixing the Racial Wealth Gap: Racism and Discrimination have put us here, but this is how we can save future generations. He is co-author of Retirement Planning Essentials: A Guide to Living Well Without Running out of Money.

Brooks was Deputy Managing Editor/Personal Finance and retirement columnist for USA TODAY, where coordinated all personal finance on all platforms for USA TODAY. He retired in 2015 after 30 years.

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1285: Making Quantum Financial Leaps with Intuitive Healer Emily Aarons Nov 29, 2021

At the intersection of science and faith, guest Emily Aarons helps entrepreneurs make quantum leaps in their careers and financial lives. She is a highly sought after intuitive healer for female empire builders.

She's the creator of the “Angels In Your Biz Oracle Card Deck” and “Aligned & Unstoppable Personal Journal”, and is the host of the top podcast “Aligned & Unstoppable”.

Emily most recently brought her healing business online in 2017 and has more than 10X’d her revenue to build a million dollar personal brand by 2021. For more visit www.Emilyaarons.com.

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1284: Ask Farnoosh: When will housing prices cool? Fave budgeting app? Shortcuts for getting rich quick? Nov 27, 2021

This episode originally aired on October 1, 2021.

In the speed round of Q&A, Farnoosh answers a broad range of listeners’ questions from real estate to budgeting and savings strategies for those living in NYC.

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1283: Why everybody needs to talk about racism (and money) with author Celeste Headlee Nov 24, 2021

This episode originally aired on October 25, 2021.

Celeste Headlee is the author of SPEAKING OF RACE: Why Everybody Needs to Talk About Racism—and How to Do It, In our conversation we talk about the importance of connecting the dots between privilege and wealth, how to actually ask questions about race without sticking your foot in your mouth, the role of social media in furthering discussions about race. And celeste’s own challenges growing up as al light-skinned Black Jewish American, and having to defend this time and time again. Plus: I share some of my curiosities about my own race.

More about Celeste: She is a self-described “light-skinned Black Jew” who has had to defend or define her race since childhood. In her career, Headlee has made it a priority to talk about race proactively but what she discovered is that those exchanges have rarely been productive. While many people say they want to talk about race, the reality is, they want to talk about race with people who agree with them. Now, using science, research and lived experience SPEAKING OF RACE provides insight and advice for how to have meaningful and impactful conversations about this crucial subject. This is the book for people who have tried to debate and argue with friends and have gotten nowhere; those who have stopped talking to a neighbor or dreaded a holiday dinner; and anyone who wants to better understand race and effect meaningful change as a society. Learn more here.

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1282: Why the Easy Way Can Be the Financially Wise Way Nov 22, 2021

(This episode originally aired on October 27, 2021)

If something in your life could be made easy, what would that be worth to you? Hard work is not always the best work. Yet we often opt for the harder routes in life because we assume they equate to more value, more meaning, more success. Susie Moore joins to discuss the insights and inspiration from her newest book Let It Be Easy. The book revolutionizes the concept of stress, showing you how to uncomplicate your life by removing the pressure and worry we manufacture ourselves without even realizing it.

More about Susie: She is a former Silicon Valley executive turned celebrity life coach and advice columnist, and her work has been featured on the Today show, Good Morning America, Dr. Oz, Oprah, Business Insider, The Wall Street Journal, Forbes and Cosmopolitan. Born in England, she lives in Miami with her husband Heath and her Yorkshire terrier, Coconut. Find out more about her work at www.Susie-Moore.com.

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1281: Ask Farnoosh: To Sell or Not to Sell My Home? Nov 19, 2021

This week's Ask Farnoosh responds to listeners' questions regarding whether or not to sell a home, how to settle with an ex-spouse over a home they share and how to be sure how much you can contribute to a Roth IRA? The So Money Page-a-Day calendar is going on super sale between now and Nov 30: Use the code CYBER2021 to get 30% off a purchase of $20 or more. Head to workman.com.

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1280: Squashing $215K in Debt in 48 Months with Cindy Zuniga-Sanchez, Creator of @ZeroBasedBudget Nov 17, 2021

After graduating law school in 2015 with $215,000 of debt, Cindy Zuniga-Sanchez committed to becoming financially literate and taking control of her finances. In 2018, she launched her social media account on Instagram, @zerobasedbudget, to document her debt payoff journey and simplify personal finance concepts. Cindy then founded her business, Zero-Based Budget Coaching LLC, where she speaks to thousands and coaches hundreds on budgeting, saving, debt payoff, investing, building generational wealth, and more. Cindy has been featured in national publications including Forbes, Good Morning America and The Rachael Ray Show.

Cindy practiced law as a commercial litigation attorney before diving into full-time entrepreneurship. She is a graduate of Stony Brook University and obtained her Juris Doctor degree from the Benjamin N. Cardozo School of Law. She was born, raised, and currently resides in the Bronx, New York. Follow Cindy on Instagram and her website. Learn about her signature course: The Blueprint to Financial Freedom.

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1279: "Live" with Farnoosh, 365 Days of Personal Finance Nov 15, 2021

SaksWorks presents a live taping of Farnoosh's podcast and celebrates the release of her "So Money Page-A-Day Calendar 2022" in a lively (and servicey!) conversation about creating a secure financial future, one day at a time. Hear Farnoosh and host Rachel Sklar, head of programming at SaksWorks, exchange personal money stories. Learn Farnoosh's take on how to create lasting financial habits, how to delay gratification, learning about money as the daughter of immigrants and how we demonize the "rich."

SaksWorks is a new membership club for life and work. The spaces offer beautiful, spacious work environments with a full suite of business amenities, plus wellness and fitness studios, dynamic speakers, and access to a range of services to elevate the every day. Learn more at saksworks.com.

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1278: Ask Farnoosh: Self-employed or entrepreneur and want to buy a house? Here's what you'll need to show. Nov 12, 2021

This week's audience questions center around real estate and retirement. One listener wants to know how to prepare for the mortgage process when self-employed. What documents will she need? Another audience member wants to know whether climate risks will make home buying unattractive. And last: should you still be invested in the stock market in retirement?

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1277: Financial Strategy and Advice for Creatives with Ilise Benun Nov 10, 2021

Creative professionals - from coaches to designers to many self-employed individuals - sometimes have a harder time managing money. Questions about how much to charge for their goods and services and how to establish a business for long-term financial success is not always readily available. Our guest Ilise Benun offers practical advice for creatives on how to distinguish their "worth" from their "value," bake-in retirement savings into their pricing model and establish a successful operation year-round.

More about Ilise: She is the founder of Marketing-Mentor.com, the go-to online resource for creative professionals who want better projects with bigger budgets, through which she offers business coaching to small groups and 1:1. She is also a national speaker and author of 7 books, including "The Creative Professional's Guide to Money," 3 online courses via CreativeLive and The Simplest Marketing Plan – all tailored to the needs of creative professionals. Since 2008, she has hosted the Marketing Mentor Podcast. For access to Ilise's Simplest Marketing Plan, which includes her 3 most effective marketing tools for creative professionals, click here.

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1276: Why It's Important to Unfollow Your Passion with Terri Trespicio Nov 08, 2021

We've all heard the expression, Follow Your Passion, but how realistic is it? It's not the be all, end all, to achieving fulfillment and success, says guest Terri Trespicio. In her new book Unfollow Your Passion, she shares the insights and tools for living a meaningful life on your own terms. In our conversation we discuss why pursuing "the one thing" and making bucket lists can set us up for failure and disappointment.

The book is based on Terri's famous TEDx talk has more than seven million views. Pre-order Unfollow Your Passion (released date: 12/21) and get early bird exclusives.

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1275: Ask Farnoosh: How to Create a Sustainable Investment Portfolio? Nov 05, 2021

We continue our discussion around the Cost of Climate Change and its impact on our investments and financial choices with guest Georgia Lee Hussey, co-founder of Modernist Financial and certified financial planner. We respond to listener questions about creating a sustainable portfolio, buying flood insurance and more.

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1274: The Cost of Climate Change: How Big Banks Contribute to Climate Change (and How to Save Sustainably) Nov 03, 2021

When it comes to making an impact with our money, our first instinct may be to shift our shopping dollars to support the change we seek in the world. From banning plastics to supporting Black-owned businesses to boycotting retailers that are unkind to their workers, how and where we collectively spend certainly matters and deserves attention. But what about where we save our money? Where we bank? Total cash deposits at all commercial banks in the US currently exceed $17 trillion and if you have a checking or savings account with a major US bank, your deposits may be used to finance large-scale "climate-unfriendly" projects. A Rainforest Action Network study finds that the world's biggest financial institutions have been key financiers of fossil fuel projects -- to the tune of $3.8 trillion since 2016.

Changing the equation is our guest: Geeta Sankappanovar, founder and chair of Rallius, the first digital banking platform solely focused on ESG initiatives. The mission at Rallius is to fight systemic inequality, support climate action, and democratize wealth creation. The company hopes to draw $500 million in deposits during its first year of business.

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1273: The Cost of Climate Change: A New Homebuyer Calculus? Nov 01, 2021

This week on So Money and on CNET (live beginning Monday 11/01 at noon ET), we are dedicating coverage to issues surrounding The Cost of Climate Change. Today, we focus on how climate change and extreme weather events are giving some home buyers pause.

Our guest is Aditi Shekar, co-founder and CEO of Zeta, a financial services platform supporting families. She explains why she and her husband are planning to leave San Francisco, California for Bozeman, Montana, the climate risk considerations and her advice for other prospective buyers might want to calculate the cost of homeownership in a climate changing world. (Full disclosure: I am an investor in Zeta.)

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1272: Ask Farnoosh: My Partner Makes More Than Twice My Salary, How to Manage Expenses in our Relationship? Oct 29, 2021

This week on Ask Farnoosh: Details about backdoor Roth IRAs, the concept of "proper savings" and how to manage costs in a relationship where one partner makes significantly more.

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1271: How Choosing the Easy Route Can Be More Valuable in Life Oct 27, 2021

If something in your life could be made easy, what would that be worth to you? Hard work is not always the best work. Yet we often opt for the harder routes in life because we assume they equate to more value, more meaning, more success. Susie Moore joins to discuss the insights and inspiration from her newest book Let It Be Easy. The book revolutionizes the concept of stress, showing you how to uncomplicate your life by removing the pressure and worry we manufacture ourselves without even realizing it.

More about Susie: She is a former Silicon Valley executive turned celebrity life coach and advice columnist, and her work has been featured on the Today show, Good Morning America, Dr. Oz, Oprah, Business Insider, The Wall Street Journal, Forbes and Cosmopolitan. Born in England, she lives in Miami with her husband Heath and her Yorkshire terrier, Coconut. Find out more about her work at www.Susie-Moore.com.

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1270: The connections between race and money (and how to talk about it) with author Celeste Headlee Oct 25, 2021

Celeste Headlee is the author of SPEAKING OF RACE: Why Everybody Needs to Talk About Racism—and How to Do It (on-sale 11/2), In our conversation we talk about the importance of connecting the dots between privilege and wealth, how to actually ask questions about race without sticking your foot in your mouth, the role of social media in furthering discussions about race. And celeste’s own challenges growing up as al light-skinned Black Jewish American, and having to defend this time and time again. Plus: I share some of my curiosities about my own race.

More about Celeste: She is a self-described “light-skinned Black Jew” who has had to defend or define her race since childhood. In her career, Headlee has made it a priority to talk about race proactively but what she discovered is that those exchanges have rarely been productive. While many people say they want to talk about race, the reality is, they want to talk about race with people who agree with them. Now, using science, research and lived experience SPEAKING OF RACE provides insight and advice for how to have meaningful and impactful conversations about this crucial subject. This is the book for people who have tried to debate and argue with friends and have gotten nowhere; those who have stopped talking to a neighbor or dreaded a holiday dinner; and anyone who wants to better understand race and effect meaningful change as a society. Learn more here.

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1269: Ask Farnoosh: Can I afford to leave my rent-controlled apartment? How to play retirement savings catch-up? How to maximize tax deductions? Oct 22, 2021

To buy or rent a home in Santa Monica? What tax deductions can I bank on this year? Smart to ditch roommates for my own place and pay double? How to play retirement savings catch-up? Farnoosh answers listeners questions. To purchase the 2022 So Money Page-a-Day calendar, visit www.pageaday.com, search for So Money and use the code SOMONEY for 20% off.

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1268: Adventures of Woman in Tech with Author and Early Google Employee Alana Karen Oct 20, 2021

What's it like to be a woman navigating a career in tech? Alana Karen was a very early Google employee and has stories to tell. Her book, Adventures of Women in Tech: How We Got Here and Why We Stay, aggregates hundreds of stories on this topic, as well.

More about Alana: She is an award-winning tech leader, author, and speaker whose work impacts many of our everyday lives. From Google Search to Ads, Fiber to Google Grants and beyond, Alana has been leading the charge to develop, scale, build and drive team and product development that has seen a rippling industry impact. Alana has spoken at conferences and summits on technology, leadership, DEI, talent and innovation. She lives with her three children, husband, two dogs, and a cat in the San Francisco Bay Area.

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1267: How to Heal from Racial Trauma in the Workplace Oct 18, 2021

Author and speaker Minda Harts joins Farnoosh to share insights from her new book, Right Within: How to Heal From Racial Trauma in the Workplace. They discuss how to identify racial aggressions, how to effectively speak up and how to know if you're being gaslit.

Filled with Minda Harts’s signature wit and warmth, Right Within offers strategies for women of color to speak up during racialized moments with managers and clients, work through past triggers they may not even know still cause pain, and reframe past career disappointments as opportunities to grow into a new path.

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1266: Ask Farnoosh: Should I bother paying off my student loans? Best personal finance books? How to help my teen invest? Oct 15, 2021

This week's Ask Farnoosh addresses audience questions related to student loan, investing advice for teens, financial advice for someone nearing retirement and post-divorce, as well as the best finance books for beginners. Farnoosh picks two reviewers of the week to receive a free 15-minute money session. Plus, details about the forthcoming So Money calendar.

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1265: Crush Your Goals and Create Your Own Success (in 90 Days) with Teneshia Warner Oct 13, 2021

For those of us considering career redirection or revisiting dreams deferred during the pandemic, entrepreneur Teneshia Warner joins to offer valuable tips and stories from her own personal experience leaving a stable corporate job to pursue her dream. Teneshia's book, The Big Stretch: 90 Days to Expand Your Dreams, Crush Your Goals, and Create Your Own Success, is a soul-searching, life-transforming, 12-week boot camp that reveals how to get from where you are to where you dream to be – in life and in business. Visit www.thebigstretchbook.com to take Teneshia's Dreamer Profile Assessment.

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1264: Understanding Financial Abuse: A Survivor's Journey Oct 11, 2021

This episode is brought to us in partnership with the Allstate Foundation.

[Trigger Warning] Today’s show focuses on a very serious issue, domestic violence and specifically, financial abuse, described as the invisible weapon of domestic violence. It is something that happens in nearly all cases of domestic violence - 96 percent of domestic violence victims experience financial abuse.

October is Domestic Violence Awareness Month and I thought it would be helpful to revisit a conversation with earlier this year from one very brave survivor, Mercii Thomas. She recently left her abusive partner, a man that made her financially and geographically reliant on him. We’ll discuss the importance of understanding financial abuse and how that can prevent a victim from breaking free. We’ll explore the prevalence of domestic violence and financial abuse and the importance of financial empowerment....and share important resources for victims, survivors and their allies.

If you or someone you know wants to learn more about these issues, you can visit allstatefoundation.org. If someone needs immediate help, please reach out to the National Domestic Violence Hotline at 1-800-799-SAFE.

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1263: Ask Farnoosh: OK to Cash Out My Life Insurance Policy? What to Do with a $50K Windfall? Oct 08, 2021

This week’s Ask Farnoosh offers advice to a listener post-divorce on ways to think about re-establishing her financial life, as well as whether it’s OK to cash out a life insurance policy to use towards buying a home. How to establish boundaries with a parent that’s financially dependent on you? And what to do with a $50,000 inheritance? (Replay from Sept 17, 2021)

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1262: Wallet Activism and How to Spend, Earn and Save as a Force for Change Oct 06, 2021

Financial expert Tanja Hester joins to talk about her new book called Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change.

Clear-eyed and practical, Wallet Activism helps angry, overwhelmed, and disillusioned consumers cut through the marketing lies of companies that have rebranded their problematic practices as “green,” “woke,” and “ethical” to learn how to use their financial power to fight back.

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1261: The Financial Mindset Fix with Psychotherapist Joyce Marter Oct 04, 2021

Joyce Marter is a celebrated psychotherapist, and founder of Urban Balance, who has made it her life’s mission to help people improve their mental health and financial wealth. Through lessons learned from her own career as a business-owner, Joyce’s new book, “The Financial Mindset Fix: A Mental Fitness Program for an Abundant Life” shares a 360 degree holistic view of success with practical tools and guidance to amplify individuals self-worth and self-esteem to create financial abundance.

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1260: Ask Farnoosh: When Will Housing Prices Cool? Favorite Budgeting App? Shortcuts for Getting Rich Quick? Oct 01, 2021

In the speed round of Q&A, Farnoosh answers a broad range of listeners' questions from real estate to budgeting and savings strategies for those living in NYC.

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1259: Aiming for 50/50 Financial Equality in Your Marriage? You're Doing it All Wrong. Sep 29, 2021

If you are striving for equality in your relationship, you might be doing it all wrong. Our guests today Nate and Kaley Klemp, are a married couple and co-authors of the new book The 80/80 Marriage: A New Model for a Happier Stronger Relationship, recently named an editor's choice pick by the New York Times.

According to the authors, striving for a 50/50 marriage is really just a framework for failure.

Farnoosh and the Klemps explore the shift from fairness to what the couple calls radical generosity, as well as individual to shared success. They also share a number of tools for making these shifts real in the areas of saving, spending and balancing power.

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1258: How to Be a Better Boss with Author and Wharton Professor Rachel Pacheco Sep 27, 2021

Guest Rachel Pacheco is on the faculty at The Wharton School of Business and the author of Bringing Up the Boss: Practical Lessons for New Managers, which provides real-life strategies and teachings for how to be an effective leader and manager in the workplace. Farnoosh and Rachel discuss how managers can work harder to engage and retain employees, as well as some of Rachel's biggest mistakes as a boss.

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1257: Ask Farnoosh: Pay Down Mortgage or Invest More? Should I Take the Start-Up Job? How to Budget After a Layoff? Sep 24, 2021

Tackling a wide range of financial and career-related questions on Ask Farnoosh today. Listeners want to know how to evaluate a job offer at a smaller company, the benefits of paying off a mortgage versus investing more for retirement. And what are the financial steps to take before quitting your job to focus full-time on a side business? How to budget after a layoff?

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1256: How to Master the Long Game in Work, Money and Life Sep 22, 2021

Author and Duke University Professor Dorie Clark joins to share insights from her latest book, "The Long Game: How to Be a Long-Term Thinker in a Short-Term World." Clark talks about how to break out of the endless cycle and create the kind of interesting, meaningful lives we all seek, with unique principles and frameworks you can apply to your specific situation.

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1255: How to Land a Major Book Deal with Richelle Fredson Sep 20, 2021

Richelle Fredson is a book publishing consultant and proposal coach. She lends her extensive knowledge to aspiring authors - including Farnoosh! - to guide them through the book development process from concept to proposal to agent introductions.

Dubbed the “six figure book deal coach” her clients regularly receive competitive book deals from Simon & Schuster, Penguin Random House, Harper Collins, Hachette, Sounds True and many more.

As host of the Bound + Determined with Richelle Fredson podcast, she provides a behind-the-scenes look at the business of books, interviewing industry leaders and authors.

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1254: Ask Farnoosh: How Much Money to Give to Parents? Smart Ways to Manage Money Post-Divorce? OK to Cash Out Life Insurance? Sep 17, 2021

This week's Ask Farnoosh offers advice to a listener post-divorce on ways to think about re-establishing her financial life, as well as whether it's OK to cash out a life insurance policy to use towards buying a home. How to establish boundaries with a parent that's financially dependent on you? And what to do with a $50,000 inheritance?

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1253: The Truth About Financial Self-Care with Author Allison Task Sep 15, 2021

What does financial self-care look like? It may not be what we think. Farnoosh interviews Allison Task, life and career coach and author of the new book, to learn ways to create more happiness and fulfillment in your financial life, as well as in your personal life and career...especially in these challenging times. Allison's new book is entitled A Year of Self Care Journal: 52 Weeks to Cultivate Positivity and Joy.

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1252: What You Need to Know About the Updated Child Tax Credit Sep 13, 2021

The next Child Tax Credit arrives on September 15. Ahead of that, Farnoosh interviews Roxy Caines from the Center on Budget and Policy Priorities, about how families can gain access to this much-needed benefit. Families can find out more information about the credit, if they qualify and how to get it at GetCTC.org.

Also:

Check out the Child Tax Credit 2021 breakdown on CNET.

Calculate how much your family could receive with CNET's calculator.

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1251: Ask Farnoosh: Rent or Buy? Should I Start a Business with My Cousin? 401(k) Rollovers and More Sep 10, 2021

This Friday, Farnoosh answers listeners' questions regarding whether it's better to own or rent an apartment in an expensive city. What to look out for when starting a business with a relative? What are the best investing courses? How to make the most of a previous 401(k) if you don't plan to start a new job yet? Reminder to send questions for Fridays shows to farnoosh@somoneypodcast.com

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1250: How to Defend Your Worth, Grow Your Ambition, and Win the Workplace Sep 08, 2021

From Stacey Vanek Smith, the NPR host of The Indicator and correspondent for Planet Money, comes Machiavelli for Women: Defend Your Worth, Grow Your Ambition, and Win the Workplace. It is an accessible, funny, clear-eyed, and practical guide for how women can apply the principles of 16th-century philosopher Niccolò Machiavelli to their work lives and finally shatter the glass ceiling. Using The Prince as a guide and with charm and wit, Smith applies Renaissance politics to the 21st century, and demonstrates how women can take and maintain power in careers where they have long been cast as second-best.

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1249: Generation X: Money, Life and Legacy with Margit Detweiler Sep 06, 2021

This episode aired originally on May 31, 2021.

They may be called the "forgotten generation," but Generation X, those born between 1966 and 1980, are the trailblazers of our time, according to guest Margit Detweiler, founder of TueNight.com — a Webby-honored storytelling platform, live event series and community for grown-ass, Gen-X women aka those of us who are, in fact, "just getting started." Farnoosh and Margit discuss Gen X's superpowers, the legacy they'll leave the next generation and what would you do with your career if the Internet crashed?

More about TueNight: Its weekly newsletter, the TueDo List, was just a Webby honoree in 2021 and named one of the top women-led newsletters by Forbes. Their storytelling lineup is consistently great and has included luminaries such as What Not To Wear’s Stacy London, NY Attorney General Tish James, novelist Amy Sohn, musician Jill Sobule, author Ada Calhoun and many others. In April of this year Margit launched TueNighters a private, subscription-based community with events and workshops tailor-made for Gen-X women.

More about Margit: She also runs Gyrate Media, a boutique content strategy firm that works with brands like Verizon, AARP, P&G, Brandless, J&J, Citi and many others. Previously, she was the editorial director for RealSimple.com and Aol Health, executive editor at EverydayHealth.com and managing editor and music editor of the Philadelphia City Paper. She's an award-winning reporter and editor and has contributed to Rolling Stone, Redbook, Refinery29, the Associated Press, Village Voice, Bust, and many others. A born and bred Philadelphian, she now lives in Brooklyn with her husband and beagle.

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1248: Best Time to Ask for a Raise, How to (Kindly) Dump Your Financial Advisor, 529s and More Sep 03, 2021

This episode originally aired earlier this summer.

It’s a jam-packed Ask Farnoosh with numerous questions answered. Learn how to find an estate planning attorney, break up with a financial advisor, start a 529 plan, talk about money with your partner for the first time and when is the best time to ask for a raise. Farnoosh also selects her reviewer of the week to receive a free 15-minute money session.

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1247: The Female "Ambition Penalty" with Stefanie O'Connell Rodriguez Sep 01, 2021

This episode originally aired on June 14, 2021

Financial expert Stefanie O’Connell Rodriguez discusses her latest work exploring what she calls the “ambition penalty” — the social, professional and financial costs women face when asking for more. Understanding it is critical for tackling gender inequality when it comes to money, she says. Because nothing will change if we keep telling women to step up, only for them to be pushed down when they do. You can read her full article at Bloomberg.

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1246: Smart Ways to Reverse-Engineer Financial Success Aug 30, 2021

This episode originally aired July 15, 2021.

For generations, we’ve been taught there are two ways to succeed—either from talent or practice. But in his new book, Decoding Greatness: How the Best in the World Reverse Engineer Success, award-winning social psychologist Ron Friedman shares a powerful third path—one that has quietly launched icons in a wide range of fields, from artists, writers, and chefs, to athletes, inventors, and entrepreneurs: reverse engineering. Farnoosh and Ron discuss the technique behind reverse-engineering, ways to apply it to your financial and career success and why humans are so fascinated – and obsessed with – success.

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1245: Ask Farnoosh: Financial Advice for Couples Aug 27, 2021

This week's Ask Farnoosh covers money advice for couples, whether or not you need to buy life insurance, how to plan for long-term health costs and whether car insurance will pay for your disability costs in an accident.

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1244: How to Save on Health Care and Medical Bills with Dan Weissmann Aug 25, 2021

Guest Dan Weissmann is the host of the podcast An Arm and a Leg, where he takes one of the most enraging, terrifying, depressing aspects of American life—the cost of health care— and produce a show that's entertaining, empowering and useful. Topics discussed on today's show: How to negotiate your medical costs, securing health care when you leave a job, and the importance of shopping around for health care.

More about Dan: Before creating An Arm and a Leg in 2018, partly as a response to his own family's quest for affordable health care, Dan worked in public radio. He's been a staff reporter for Marketplace and Chicago’s WBEZ, and has done stories for outlets like 99 Percent Invisible, Planet Money, Reveal, Code Switch, Morning Edition and All Things Considered.

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1243: Dasha Kennedy, Financial Activist and Creator of The Broke Black Girl Aug 23, 2021

Dasha Kennedy is the creator of the award-winning financial advocacy group The Broke Black Girl. As a digital community leader and financial activist, she provides culturally competent and relevant financial literacy resources to over 70,000 African-American women to combat economic inequality. You can follow Dasha on Instagram and Twitter.

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1242: Ask Farnoosh: What's the best way to quit my job right now? Aug 20, 2021

Rounding out our weeklong discussion about how to quit, Farnoosh and guest expert Dan Schawbel, answer your questions related to resigning, searching for new work and affording a career transition. Dan is a New York Times bestselling author, Managing Partner of Workplace Intelligence and career expert whose conducted dozens of workplace studies in the past 10 years. His latest book is called Back to Human: How Great Leaders Create Connection in the Age of Isolation.

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1241: How I Quit My Job with Tim Herrera, Former New York Times Editor Aug 18, 2021

Our discussion around quitting and how to leave an unhappy job continues with our guest Tim Herrera, a freelance writer and editor who recently quit his post at The New York Times where he edited the service journalism section, Smarter Living for five years. There, he wrote and edited stories on personal finance, office culture and job satisfaction, mental health, digital privacy and more. Tim shares the moments that led up to his departure, how he's rethinking the concept of quitting and his recommendations for others that may want to follow in his footsteps.

More about Tim: He is a co-editor of the Smarter Living book, and is currently writing a book about self-awareness. Before coming to The Times, he worked at The Washington Post, where was on the digital strategy team and wrote about online culture. He lives in Manhattan with his two cats, Strudel and Streets, and his platonic life partner.

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1240: Advice on How to Quit Your Job (And Afford It) with Jessica Carney, Host of And Then I Quit Aug 16, 2021

We are dedicating the week to discussing all-things QUITTING, as an increasing number of Americans seek new career beginnings. A Microsoft survey of more than 30,000 global workers showed that 41% of workers were thinking about quitting or switching professions this year. In April more than four million people quit their jobs, according to the Department of Labor – the biggest jump on record.

Economists and journalists dub this trend the ‘Great Resignation’. Guest Jessica Carney is the host of the podcast And Then I Quit,where she invites guests to share funny and absurd stories about jobs they’ve quit.

We discuss when quitting makes sense, the importance of changing the narrative around quitting from one of cowardice to courage, and how to afford the transition if you don't have savings.

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1239: Ask Farnoosh: 55% of Budget Goes to Rent. Help! Aug 13, 2021

This week's Ask Farnoosh touches on the realities of a high-cost of living city and how to make ends meet. Also, how to come up with a mortgage to buy a second home (if you don't want to yet sell your first home and use the equity towards the down payment?) Plus: Is it wise to pay of high-interest credit card debt with a 401(k)?

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1238: Ramit Sethi on love and money and his new podcast, I Will Teach You To Be Rich Aug 11, 2021

Financial expert and bestselling author Ramit Sethi joins Farnoosh to share insights from his latest endeavor: the I Will Teach You To Be Rich podcast, where he unveils real stories about love & money from behind closed doors. We discuss the unbelievable financial perils from real guests on his new show, how to find common ground with a partner who's on a different financial wave length and why defining your Rich Life can help you grow a stronger relationship.

More about Ramit: He is theauthor of the New York Times bestseller “I Will Teach You To Be Rich,” has helped tens of millions of people live a Rich Life with their money, careers, businesses, and psychology. He hosts over a million readers on his site, iwillteachyoutoberich.com, newsletter, and social media. His new podcast, I Will Teach You To Be Rich by Ramit Sethi, reveals real stories about love & money from behind closed doors. Learn more about his podcast at iwt.com/podcast

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1237: Congressman and Civil Rights Activist John Lewis and His Reflections on Courage, Activism and Money Aug 09, 2021

Best-selling author Kabir Sehgal joins to share insights from the new book he co-authored with family friend, the late Congressman John Lewis called “Carry On: Reflections for a New Generation." In the book, we learn about Lewis' final reflections on topics including courage, activism and money, which can help guide the next generation.

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1236: Ask Farnoosh: What Will Licensing So Money to CNET Mean? Aug 06, 2021

Dedicating today's episode to answering some of your questions about the podcast's recent licensing partnership with CNET and what it may mean for the show and our coverage. Also, we welcome Sharon Profis, CNET's Executive Editor & Senior Director of Content, who will work closely with our team there to drive the personal finance division. She'll discuss what's on tap and what we can look forward to at CNET Personal Finance.

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Big Announcement! Please Listen. Aug 04, 2021

News alert: I’m licensing SO MONEY to CNET, the world’s biggest platform dedicated to tech and consumer news and advice. Also as part of our partnership, I’ll be joining CNET”s team as Editor-at-Large of Personal Finance. It’s a dream collaboration and we have BIG plans.

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1235: Financial Advice for Low and Middle-Income Americans with Stephanie Kibler, Founder of PoorerThanYou.com Aug 04, 2021

Stephanie Kibler came onto the online personal finance scene in 2007 (when it was still called a "blogosphere") and was one of its first voices for low-income millennials and young women with her blog, Poorer Than You.

Stephanie started her personal finance journey as a film school dropout in a rust belt city heading into the Great Recession. Her uphill money journey has played out like a comedy of errors, but she's overcome every curveball thrown so far, and is now committed to only doing work she loves and never being forced to wear a suit to a job interview again.

Through the years, she has worked to help build up online communities focused on financial literacy for women and other underrepresented groups, especially those with low or moderate incomes. She lives in the pricey Washington, DC-area suburbs (for some reason) with her husband and two young children, and can usually be found snarking on Twitter.

Learn more at poorerthanyou.com/making-do

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1234: Money and Dating Rules with Sami Wunder, Relationship Expert Aug 02, 2021

We are exploring love and money on the show today with the leading international dating and relationship coach Sami Wunder. We’ll talk about some of the power dynamics that come into play in modern day, hetero relationships. Why it’s important to strive for equality in your partnership but the rules are different when dating…Sami has interesting perspective about who should pay, who should be more the pursuer…and why.

Sami has helped more than 237 single clients to get married and more than 300 partnered clients to bring their marriages back from divorce in the past five years. She lives in Germany with her adoring husband, Chris, and their two boys.

I know we all have really different opinions when it comes to men, women and relationships…so I encourage you to listen to this show with an open mind.

You can learn more about Sami's offers for So Money listeners here.

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1233: Ask Farnoosh: Is the 4% Rule Legit? How Much Should I *Really* Withdraw in Retirement? Jul 30, 2021

This week’s Ask Farnoosh includes questions about the 4% withdrawal rule of thumb many retirement planning experts promote and whether it still applies if you’re considering on retiring early. Also: how much to invest in my company’s stock? Farnoosh also shares her some of her all-time fave podcasts.

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1232: Impact Investing and How to Align Your Portfolio with Your Values Jul 28, 2021

Guest Janine Firpo brings advice on how to create a values-driven investment strategy. She is a seasoned values-aligned investor and social innovator, with a long history of working at the intersection of women and their money. Her book, Activate Your Money: Invest to Grow Your Wealth and Build a Better World, was a collaborative effort with almost 150 women. Topics discussed include how to identify your values as they pertain to your investments, how to begin making socially-driven changes to your portfolio and how to measure your impact? Does socially-conscious investing come at a financial cost?

More about Janine: From the early years of Apple Computer to senior positions with Hewlett-Packard, the World Bank, and the Bill & Melinda Gates Foundation, Janine has always found herself making an impact. In 2017 she left a successful 35-year career in technology and international development to focus on how women can create a more just and equitable society through their financial investments. She is a lead investor in Next Wave Impact, an impact fund designed to help more women become angel investors. And, she chairs the board of Zebras Unite, an organization that is developing the capital structures, community, and culture that non-unicorn start-up businesses need to thrive.

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1231: Actress and Author Annabelle Gurwitch on Financial Fragility and Adapting to Midlife Jul 26, 2021

Actor, activist and author Annabelle Gurwitch joins to discuss her latest bestselling book, You're Leaving When? Adventures in Downward Mobility. The book is a collection of raw and honest essays that capture the issues Gurwitch grapples with in midlife, from divorce to financial fragility.

As the Library Journal says, "Gurwitch’s perspective on both the major and the mundane will be relatable to anyone who understands how the American Dream has devolved into a fever dream. Her stories are as personal as they are universal...The latest from Gurwitch will have readers rolling with laughter one minute and picking up the phone to commiserate with friends or family the next."

You can learn more about Annabelle and her work here.

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1230: Ask Farnoosh: Should I Get Remarried if it Means Giving Up My Ex's Social Security Benefits? Jul 23, 2021

On this week's Ask Farnoosh: a listener is considering remarrying, however, it would mean losing out on her ex husband's social security benefits. What's the right move? Also: rules around inherited IRAs and benefits to 457b plans.

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1229: Tackling $650,000 in Student Loan Debt Jul 21, 2021

Imagine having $650,000 in debt? What would be your game plan? Amber Masters joins to talk about how she and her husband plan to squash their massive student loan debt (mostly from his schooling) and how, along the way, she's building an app to help others become debt free.

More about Amber: She is an attorney turned entrepreneur. She is the founder and CEO of the app, Paidback, which makes debt payoff simple and fun. While practicing as an attorney, Amber created the website deeplyindebt.com to document her journey paying off $650,000 in student loans. She's been featured on CNBC, ABC, and Yahoo Finance.

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1228: Sunny Israni, Co-Founder of Clasp on Financial Inclusivity and Feeling "Safe" in the Financial World Jul 19, 2021

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

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1227: *NEW* Ask Farnoosh: Should I Buy a Home with My Boyfriend? Jul 16, 2021

'Ask Farnoosh' is back with a fresh episode highlighting some of the top questions posed by viewers. This week: How to apply for a mortgage when one spouse is out of work; Risks to closing old credit cards; the best investing books and whether or not to go in on a home purchase with an unmarried partner. Farnoosh selects TWO show reviewers to each receive a free 15-minute money session.

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1226: How to Reverse-Engineer Financial Success Jul 14, 2021

For generations, we’ve been taught there are two ways to succeed—either from talent or practice. But In his new book, Decoding Greatness: How the Best in the World Reverse Engineer Success, award-winning social psychologist Ron Friedman shares a powerful third path—one that has quietly launched icons in a wide range of fields, from artists, writers, and chefs, to athletes, inventors, and entrepreneurs: reverse engineering. Farnoosh and Ron discuss the technique behind reverse-engineering, ways to apply it to your financial and career success and why humans are so fascinated - and obsessed with - success.

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1225: How to Be a Feminist Dad with Jordan Shapiro, Author of Father Figure Jul 12, 2021

Might it be time to rethink some aspects of fatherhood? What does it mean to be a feminist father? Author Jordan Shapiro writes about it in his new book, Father Figure, a book that Adam Grant describes as a "thoughtful and long-overdue exploration of fatherhood and masculinity in the 21st century that redefines what it means to be a good father."

Drawing on research in sociology, economics, philosophy, gender studies, and the author's own experiences, Father Figure explores the psychology of fatherhood from an archetypal perspective, as well as a cultural history that challenges familiar assumptions about the origins of so-called traditional parenting roles. What paradoxes and contradictions are inherent in our common understanding of dads?

More about Jordan: He has a PhD, is father to two children and step-father to two more. He lives in Philadelphia with his partner Amanda Steinberg. He teaches in Temple University’s Intellectual Heritage Program. He’s senior fellow for the Joan Ganz Cooney Center at Sesame Workshop, and nonresident fellow in the Center for Universal Education at the Brookings Institution. His previous book, The New Childhood (2018), received wide critical acclaim and has been published in 11 languages.

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1224: Ask Farnoosh: Setting Financial Boundaries with Family, Asking for a Raise, Whether to Buy an Investing Course and More Jul 09, 2021

This episode is a replay and originally aired on Friday, June 19, 2021.

On this Friday's Ask Farnoosh listeners ask: Are investing courses worth it? How to anticipate and budget for home maintenance costs? How to ask for a raise after learning a colleague makes more? How to set financial boundaries with family members you are supporting? Plus, Farnoosh selects her reviewer of the week for a free 15-minute money session!

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1223: The Price You Pay for College with Ron Lieber, NYT Columnist Jul 07, 2021

This episode originally aired on January 27, 2021.

It is “the most complex and emotionally fraught financial decision that many families will ever make,” says my guest Ron Lieber about college. This high-stakes money move is a source of anxiety, stress and confusion. Too often, it leads us down the wrong path of over-borrowing for a school that under-delivers.

In his latest book, The Price You Pay for College, Ron help readers make the most financially and emotionally-intelligent decision possible in selecting a school. We’ll discuss why the cost of college is SO high (over $300,000 for a private four-year college, on average), some secrets to paying for college (ever hear of merit aid?) and how to properly “value” the college experience, especially in the post-Covid world.

Ron’s book is available here.

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1222: The Truth About Being Very Rich with Author Jennifer Risher Jul 05, 2021

This episode originally aired on May 19, 2021.

While the ultra-rich don’t ever have to worry about affording their needs (or wants), they may suffer from some big problems related to being wealthy. As guest Jennifer Risher explains, it can be hard to maintain close relationships and come to terms with your financial reality when you’re rich. In her book, We Need to Talk: A Memoir About Wealth, Risher shares her own personal journey of coming into extraordinary wealth, as well as the voices of others in her demographic and the hidden impact of wealth on identity, relationships and sense of place in the world.

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1221: Ask Farnoosh: All Things Investing with SoFi's Liz Young Jul 02, 2021

Today's Ask Farnoosh focuses entirely on investing, answering your hottest questions about 401(k)s, brokerage accounts, and how to save for your future if you're self-employed. Also, what to make of the meme stock craze?

This is a special episode produced in partnership with our friends at SoFi, the all-in-one platform where you can save, you can spend, earn, borrow, invest. Now at SoFi you can buy stocks and ETFs and open an automated portfolio all with no account minimums and zero commission on trades. Plus, members now have access to upcoming IPOs before they begin trading on an exchange. Through SoFi social investing, you can also follow other members and see what they're investing in.

You can visit SoFI.com/somoneyto sign up for a SoFi active invest account and enter to win $5 to $1,000.

Helping me answer your questions today is Liz Young, SoFi’s head of investment strategy where she is responsible for providing economic and market insights to a variety of audiences. Liz is passionate about educating others on investing to help people feel empowered to take a more active role in their financial futures.

###

Disclaimer:

Terms and conditions apply. Loans originated by SoFi Lending Corp. or an affiliate. CFL #6054612, NMLS #1121636 (www.nmlsconsumeraccess.org). Equal Housing Lender. Brokerage products offered through SoFi Securities LLC, member FINRA/SIPC. SoFi Money® is a cash management account, which is a brokerage product. Neither SoFi nor its affiliates are a bank. Advisory services are offered through SoFi Wealth, LLC an SEC-registered Investment adviser.

Investing early in a new issue involves substantial risk of loss. The decision to invest should always be made as part of a comprehensive financial plan taking individual circumstances and risk appetites into account

Social investing is meant to be informational and is not advice. Any actions other users take should not be considered as the basis for an investment decision. Investing comes with risks including the risk of loss.

Liz Young is a Registered Representative of SoFi Securities and Investment Advisor Representative of SoFi Wealth. Her ADV 2B is available at www.sofi.com/legal/adv.

This information isn’t financial advice. Investment decisions should be based on specific financial needs, goals and risk appetite.

Diversification can help reduce some investment risk. However, it cannot guarantee profit nor fully protect in a down market.

Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

The SoFi Credit Card is issued by The Bank of Missouri (TBOM) (“Issuer”) pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

SoFi doesn’t provide tax or legal advice. Individual circumstances are unique. Consult with a qualified tax advisor or attorney about your specific needs.

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1220: Talking About Covid with Your Children with Nerissa Holder Hall, Founder of Mirror Mirror Books Jun 30, 2021

Nerissa Holder Hall is the founder of Mirror Mirror Books, a direct-to-consumer publishing company that creates picture books that help little kids handle life's big moments. Mirror Mirror's books come in 14 versions so the child in the book can look a bit like the child in your life. Their first book, The Day I Beat the Germs, tackles the COVID-19 pandemic.

Nerissa is an award-winning producer of games, television, podcasts and social networks for kids. She has almost two decades of experience in children's media including with Nickelodeon, PBS/WNET, Pinna and Callaway Digital Arts where she led product development for a Ready to Learn project funded by the U.S. Department of Education.

Nerissa has a degree in English from Wellesley College and a Masters degree in communication and education from Columbia University’s Teachers College.

Nerissa was born and raised in New York. She founded Mirror Mirror Books with her husband with whom she lives, works and raises their 5-year old twins.

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1219: How to Raise Money Smart Kids with Author and Teacher Rob Phelan Jun 28, 2021

Rob Phelan is the author of the children's book M is for Money, which aims to introduce 3-8 year old children to age-appropriate money words and normalize conversations about money between family and friends.

He is a high school personal finance teacher in Maryland, where he lives with his wife and son who is almost two years old. He is part of the ChooseFI Foundation team, a non-profit with the mission of bringing high quality and free personal finance education to underserved communities, and the owner of The Simple StartUp, a digital camp for kids to help them start their first business.

For more check out:

M is for Money - www.misformoneybook.com
Kickstarter campaign for M is for Money

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1218: Ask Farnoosh: Reducing Student Loans, Investing in REITs and Affording a High-Cost of Living City Jun 25, 2021

On this week's Ask Farnoosh, listeners ask about ways to reduce their student debt burden, how to afford housing in a high-cost of living area like New York or San Francisco, whether to invest in REITs and how often to check one's investment portfolio? Plus Farnoosh shares big news related to a personal project. And a new reviewer is selected to receive a free 15-minute money session.

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1217: Why (and How) to Be Proud of Your Privilege with Hitha Palepu, Entrepreneur and Angel Investor Jun 23, 2021

Hitha Palepu is a multi-hypenate - an entrepreneur, investor, author and creator of #5SmartReads. She's the CEO of Rhoshan Pharmaceuticals and an investor in over 15 women-led and women-focused companies. Her second book We're Speaking: The Life Lessons of Kamala Harris will be published this fall. On the show, we discuss the topic of privilege. Why, even if you have a lot of it, it is OK to be proud of your success.

Hitha is the single daughter of immigrant parents. She shares what drives her to keep so many projects and tasks going on at the same time, how she manages her time, and advice for those of us who want to invest in other companies. Hitha is an avid angel investor and she’ll also walk us through some ways to get involved without a lot of money.

Hitha lives in New York City with her husband and sons.

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1216: Affording Parenthood (While Working) with Author Daisy Dowling Jun 21, 2021

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

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1215: Ask Farnoosh: Setting Financial Boundaries with Family, Asking for a Raise, Whether to Buy an Investing Course and More Jun 18, 2021

On this Friday's Ask Farnoosh listeners ask: Are investing courses worth it? How to anticipate and budget for home maintenance costs? How to ask for a raise after learning a colleague makes more? How to set financial boundaries with family members you are supporting? Plus, Farnoosh selects her reviewer of the week for a free 15-minute money session!

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1214: LGBTQ+ Financial Rights & Suze Orman on Being Gay in the World of Finance Jun 16, 2021

In celebration of Pride Month, NextAdvisor Editor-in-Chief Adam Auriemma stops by the show to share some of the site's latest coverage related to LGBTQ+ financial rights. He also provides the behind-the-scenes of his new interview with Suze Orman on how being gay has been the foundation to her success. We also highlight some LGBTQ+ personal finance experts to follow.

To sign up for Adam's June 24th Livestream with Suze Orman click here.

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Bonus: Understanding Financial Abuse with Survivor Mercii Thomas Jun 15, 2021

This episode is brought to us in partnership with the Allstate Foundation.

[Trigger Warning] Today’s show focuses on a very serious issue, domestic violence and specifically, financial abuse, described as the invisible weapon of domestic violence. It is something that happens in nearly all cases of domestic violence - 96 percent of domestic violence victims experience financial abuse.

We will hear from one very brave survivor, Mercii Thomas, who recently left her abusive partner, a man that made her financially and geographically reliant on him. We’ll discuss the importance of understanding financial abuse and how that can prevent a victim from breaking free. We’ll explore the prevalence of domestic violence and financial abuse and the importance of financial empowerment....and share important resources for victims, survivors and their allies.

If you or someone you know wants to learn more about these issues, you can visit allstatefoundation.org. If someone needs immediate help, please reach out to the National Domestic Violence Hotline at 1-800-799-SAFE.

You can also learn more about financial abuse and the signs here in my latest blog post.

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1213: The Ambition Penalty When Women Ask for More with Stefanie O'Connell Rodriguez Jun 14, 2021

Financial expert Stefanie O'Connell Rodriguez discusses her latest work exploring what she calls the “ambition penalty” — the social, professional and financial costs women face when asking for more. Understanding it is critical for tackling gender inequality when it comes to money, she says. Because nothing will change if we keep telling women to step up, only for them to be pushed down when they do. You can read her full article at Bloomberg.

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1212: Crypto Week: Ask Farnoosh: Should I Buy Bitcoin? Jun 11, 2021

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

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1211: Crypto Week: How Crypto Can Help Close the Wealth Gap Jun 10, 2021

Our conversation picks up where we left off in the previous episode about the impact that the blockchain and cryptocurrency may have on the world, with a deeper look at what it can mean for the racial and gender wealth gaps. Our guest is Cleve Mesidor, founder of the National Policy Network of Women of Color in Blockchain. A Washington insider, she served as an Obama Presidential Appointee, a senior staffer in Congress, and in the leadership of national political campaigns. She is also the author of the book THE CLEVOLUTION, A gritty and honest memoir where she chronicles her nomadic journey that begins during the tumultuous 70s in Haiti and later migrating to NYC and then into Washington politics.

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1210: Crypto Week: How Will Crypto Impact the World? What Are NFTs? Jun 09, 2021

Today we will examine what adoption of crypto and the blockchain will mean for the world - the environment, business, innovation. What world will we be living in where crypto will dominate? My guest is Ollie Leech, Experienced Editor and Technical Analyst at CoinDesk, a leading media platform for cryptocurrency news and research. We also explore the world of NFTs, Non-Fungible Tokens, and what makes them valuable and useful.

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1209: Crypto Week: What is Bitcoin and Why Should I Care? Jun 07, 2021

I’m excited to announce that this is CRYPTO WEEK! We begin with a conversation with two highly knowledgeable guests who will provide us with the BASICS. What is the history of crypto? What is bitcoin? What is the blockchain? Why should we care?

My guests are Kiana Danial, author of Cryptocurrency Investing for Dummies and CEO of InvestDiva, an award-winning, internationally recognized personal investing and wealth management expert. And my colleague John Puterbaugh who is the editorial director for NextAdvisor, a personal finance publication in partnership with TIME. John has more than 10 years of experience leading editorial teams in personal finance, consumer advocacy, and local news. He’s written extensively about cryptocurrency for NextAdvisor.

(The ETF referenced in the episode, that Farnoosh has purchased, is BLOK (This is not an endorsement or recommendation.)

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1208: Ask Farnoosh: Best Time to Ask for a Raise, Breaking Up with a Financial Advisor, 529s and More Jun 04, 2021

It's a jam-packed Ask Farnoosh with numerous questions answered. Learn how to find an estate planning attorney, break up with a financial advisor, start a 529 plan, talk about money with your partner for the first time and when is the best time to ask for a raise . Farnoosh also selects her reviewer of the week to receive a free 15-minute money session.

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Bonus: Is Cash Going Away? The Future of Payments Jun 03, 2021

This episode is produced in partnership with FIS, advancing the way the world pays, banks and invests.

Today's episode centers around the future of payments. What is going to happen to cash and credit cards? What are the various options with which we are going to pay for goods and services going forward? Change is afoot. The pandemic accelerated a lot of the innovation within the tech space as it pertains to payments and e-commerce. Our guest is Nicole Jass, Senior Vice President of Products in the Merchant Solutions group at FIS (NYSE: FIS). FIS is a Fortune 500 company that holds leadership positions in payment processing, financial software and banking solutions.

Nicole and I discuss the future of cash and electronic payments and changes in the world of e-commerce. Plus, are malls really going away? And yes, we discuss bitcoin!

To read more about FIS and my article about the future of fintech, click here.

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1207: How Health Care Fails Pregnant Families with Ashley Brichter, Founder and CEO of BirthSmarter Jun 02, 2021

There is no rule book when it comes to parenting. I remember when I was pregnant with my first child, a friend who’d just had her baby said to me at my shower, “Your one job is just make sure the baby stays alive.” And I thought to myself…that’s it? That’s an interesting standard. And you know what, I now totally understand where she was coming from.

On today’s show we’re talking to guest Ashley Brichter, founder and CEO of Birthsmarter, a community and digital platform providing practical wisdom and guidance to the next generation of families. Ashley is an educator, speaker, and health and wellness advocate with over a decade of experience as a doula, birth educator, solo-entrepreneur, and mom of two. With over a decade of experience supporting new parents, Ashley provides one-on-one support, group classes, lectures, and distance learning for the perinatal population and the professionals who serve them. Together we discuss the features in our health care system…issues only exacerbated by Covid, the inequities faced by Black and brown pregnant women an how families can get affordable support before and after birth.

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1206: Generation X: Money, Life and Legacy with Margit Detweiler May 31, 2021

They may be called the "forgotten generation," but Generation X, those born between 1966 and 1980, are the trailblazers of our time, according to guest Margit Detweiler, founder of TueNight.com — a Webby-honored storytelling platform, live event series and community for grown-ass, Gen-X women aka those of us who are, in fact, "just getting started." Farnoosh and Margit discuss Gen X's superpowers, the legacy they'll leave the next generation and what would you do with your career if the Internet crashed?

More about TueNight: Its weekly newsletter, the TueDo List, was just a Webby honoree in 2021 and named one of the top women-led newsletters by Forbes. Their storytelling lineup is consistently great and has included luminaries such as What Not To Wear’s Stacy London, NY Attorney General Tish James, novelist Amy Sohn, musician Jill Sobule, author Ada Calhoun and many others. In April of this year Margit launched TueNighters a private, subscription-based community with events and workshops tailor-made for Gen-X women.

More about Margit: She also runs Gyrate Media, a boutique content strategy firm that works with brands like Verizon, AARP, P&G, Brandless, J&J, Citi and many others. Previously, she was the editorial director for RealSimple.com and Aol Health, executive editor at EverydayHealth.com and managing editor and music editor of the Philadelphia City Paper. She's an award-winning reporter and editor and has contributed to Rolling Stone, Redbook, Refinery29, the Associated Press, Village Voice, Bust, and many others. A born and bred Philadelphian, she now lives in Brooklyn with her husband and beagle.

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1205: Ask Farnoosh: Tax-Efficient Investing, Whole Life Insurance and Where to Park My Cash for the Mid-Term? May 28, 2021

This week on Ask Farnoosh: How to find a financial professional who's also good with taxes? Is whole life insurance worth it? How much company stock is too much to own? Where to park cash you may need in the next 5 years for a wedding?

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1204: The Case for Equal Parenting and How it Can Support Financial Equity May 26, 2021

In my latest installment of my monthly NextAdvisor column “Closing the Gap,” I cover the financial inequities divorced moms face after marriage. According to the U.S. Census Bureau, as of 2018, moms lead 80% of single-parent households as primary custodians—and often bear the brunt of financial obligations.

But if we believe that time is the great equaliser and that equality - particularly financial equality - between men and women is critical, then a move towards equal parenting time following a divorce could support that. There are, of course, cases where either partner isn't fit to spend time with the kids or there is a history of abuse or addiction. Every family situation is individual and there is no one-size-fits-all solution.

But my guest, Emma Johnson, founder of Wealthy Single Mommy and a divorced mother of two children, is a vocal champion for the assumption of 50/50 parenting, making appearances in the media and state capitols to share her evidence that joint custody can help support financial equality between parents. This episode shares her perspective.

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1203: The Financial Cost of Having a Disability with Author Emily Rapp Black May 24, 2021

One in four adults has a disability in the United States, according to the Centers for Disease Control and Prevention, yet our country and culture falls behind in supporting this community in many ways to achieve the same opportunities as everyone else. This episode explores the financial inequalities, specifically, as well as some of the emotional and social struggles when you're a person living with a disability, as experienced by guest and memoirist Emily Rapp Black.

Black lost her left leg at the age of six, due to a congenital birth defect. She was soon after chosen as the poster child for the March of Dimes. Her experiences living with a disability have led to the publication of several books including Poster Child: A Memoir, The Still Point of the Turning World, and her forthcoming book, Frida Kahlo and My Left Leg (June 15, 2021).

She is a former Fulbright scholar and recipient of the James A. Michener Fellowship. She is an assistant professor at the University of California, Riverside, School of Medicine. You can learn more about her at www.emilyrappblack.com

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1202: Ask Farnoosh: How to Manage Money Post-Divorce & How Much is "Too Much" in Savings? May 21, 2021

On this week's Ask Farnoosh, listeners ask about the best ways to manage money following a divorce, how a person's job can impact a mortgage approval and where to save money that you'll want to tap five or seven years from now. Plus: How much is *too* much in savings?

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Digital Banking Scams and How to Protect your Money May 20, 2021

This episode is brought to us in partnership with Zelle.

When was the last time you used cash? Or even pulled out your wallet to pay for something? The pandemic has led to a higher adoption of payment apps and has only accelerated the growth in the industry. Cash may be King or Queen...but paper money is going the way of the dinosaur - fast. According to a new survey by Zelle, today more than 80% of consumers either use or plan to use P2P services – and nearly 1/5 (19%) of consumers began or plan to use P2P during the pandemic. You’re probably familiar with many of the P2P payments currently on the market including Zelle, the one that I use often. And while convenient, we need to be careful.

Our guest is the COO of Zelle, Donna Turner and she'll walk us through the safe ways to use peer to peer payments, and we’ll touch on some of the unfortunate scams that have made the news, fraud cases that have victimized users...and how to avoid them or seek a resolution.

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1201: Why It's Really Hard Being Rich with Jennifer Risher, Author of We Need to Talk: A Memoir About Wealth May 19, 2021

While the ultra-rich don't ever have to worry about affording their needs (or wants), they may suffer from some big problems related to being wealthy. As guest Jennifer Risher explains, it can be hard to maintain close relationships and come to terms with your financial reality when you're rich. In her book, We Need to Talk: A Memoir About Wealth, Risher shares her own personal journey of coming into extraordinary wealth, as well as the voices of others in her demographic and the hidden impact of wealth on identity, relationships and sense of place in the world.

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How to Control Spending in the "New Normal" May 18, 2021

This episode is brought to us in partnership with Zelle.

The summer is traditionally a high season for spending. And this year it might be even more of a financial frenzy. From vacations to your kids camp, family gatherings and outdoor events, we missed out on a lot of these key experiences last summer. But now with vaccinations on the rise, hold on! I predict quite the rebound. That’s good for the economy...but what about our wallets? Today’s show we’ll discuss more of what we can expect from a consumption standpoint this summer, what will consumer behavior be like, and how to make smart money decisions in this relatively emotional time. Are there ways to save? New ways to budget? And what about sharing expenses with others? Rose Corvo, Chief Marketing Officer at Zelle, joins to share insights from a new survey and advice for listeners.

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1200: How to Make a Financial Impact and Create the World You Want to Live In May 17, 2021

How to effectively make a financial impact towards the causes you care about most? Guests Christen Brandt and Tammy Tibbetts, who built the wildly successful nonprofit She’s the First from the ground up, discuss how to create meaningful impact in a world that so desperately needs it. Where do you begin? What causes should you focus on? How do you know if a non-profit is legitimate?

In their new book Impact, Brandt and Tibbetts share stories and interactive activities to help readers find their focus, identify partners, and plug into movements for long-term, systemic change. The authors will donate all their future proceeds from book sales to She’s the First indefinitely. Learn more at planyourimpact.com.

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1199: Ask Farnoosh: My In-Laws Are Pressuring Us to Buy a House! May 14, 2021

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

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1198: Aging with Power with Fashion Icon and Author Norma Kamali May 12, 2021

At 75 years old, fashion designer Norma Kamali continues to innovate and create impact in the industry. Discover how she has self-funded her business with no debt and her secret to creating and selling bestselling designs. Her new book is called I Am Invincible, a mantra for women taking them through every decade of their journey and guiding them into how to live their best, healthiest and most fulfilling life.

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1197: Real Estate Investing in Black Communities with Lisa Phillips May 10, 2021

As featured in Farnoosh's column for NextAdvisor, guest Lisa Phillips is a real estate investor who specializes in Black communities. Rather than zero in on up-and-coming markets where you can buy low and flip high, Phillips is pouring her money into the same neighborhoods in which she was raised: predominantly Black and brown, working class towns where you can find fixer-uppers for $30,000 or less. With smart and strategic upgrades, she’s proving it’s possible to turn properties into welcoming and safe homes.

Today she is the founder of Affordable Real Estate Investments, runs the Facebook community Sub30KMastermind and is the author of the book Investing in Rental Properties for Beginners.

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1196: Financial Advice on TikTok? Really? May 07, 2021

This week, Farnoosh answers listeners questions about when is the 'right' time to start getting ready to buy a home, what to do with an old TSP retirement account, the truth about financial advice on TikTok and how to get over the fear of investing.

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1195: How Sensitivity Can Be Your Superpower at Work May 05, 2021

Are you sensitive? Well then guess what - you have a superpower, says guest Melody Wilding, author of the new book Trust Yourself: Stop Overthinking and Channel Your Emotions at Work. Wilding draws on decades of research and client work to examine the intersection of sensitivity and achievement in the workplace and offers neuroscience-based strategies you can use to reclaim control of your life and reach your full potential. Trust Yourself offers concrete steps to help what Wilding calls “Sensitive Strivers” – empathetic, driven individuals—break free from stress, perfectionism, and self-doubt to achieve confidence, overcome imposter syndrome, speak and act with assertiveness, build resilience, and find the confidence to work and lead effectively. Learn more at MelodyWilding.com.

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1194: Financial Infidelity and Secretly Carrying $100k in Credit Card Debt May 03, 2021

Guest Melissa Houston shares how she secretly racked up over $100,000 in credit card debt, the day she confessed to her husband and her emotional road to recovery.

More about Melissa: She is a Certified Professional Accountant and a Business Finance Coach with over 20 years of professional experience. Melissa coaches entrepreneurs to become confident with managing the cash in their business so that they make their business more profitable. Melissa teaches her signature 5-step Cash Confident framework.

Melissa is a regular contributor with Forbes.com and Entrepreneur.com. Melissa is the host of the Think Like a CFO podcast. When Melissa isn't busy helping entrepreneurs make their business most profitable, you can find Melissa up at her cottage with her husband, 2 teenagers and 3 dogs.

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1193: Ask Farnoosh: Biden's Capital Gains Tax Hike, Post-Vaccine Spending and Investing in Art Apr 30, 2021

It's a jam-packed Ask Farnoosh Friday with questions related to President Biden's tax change proposals, whether it's OK to paint your house versus pay off student loans, how to curb the impulse to spend on outings and vacations once you're vaccinated and finally, advice for investing in art.

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1192: Why We Should (and Can) All Be Millionaires with Rachel Rodgers Apr 28, 2021

Our discussion around women and wealth continues with guest Rachel Rodgers, founder of HelloSeven and author of the the highly anticipated book We Should All Be Millionaires (out May 4). In her book Rachel teaches women how to make the kind of money that will give them the authority to make meaningful changes in their communities and close the opportunity gap that exists today. It’s not just about being wealthy, it’s about having a mindset of wealth.

More about Rachel: She is a business coach, mother, wife, intellectual property lawyer and CEO who says that according to the “State of Women-Owned Businesses” 2019 report, women own 51% of all businesses in the US but only bring in 4.2% of the revenue. For women of color, those numbers are even less.

Follow Rachel on Instagram @RachelRodgersESQ

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1191: A Mom's Guide to Managing Money with Author Catherine Alford Apr 26, 2021

Guest Catherine Alford shares advice from her new book, Mom's Got Money: A Millennial Mom's Guide to Managing Money Like a Boss, an instruction manual to help moms use the skills they already possess to become extraordinarily confident managers of their money.

More about Catherine: She is a nationally recognized financial educator who started her business with a $10 domain name and grew it into a multifaceted, six-figure digital media company. She is the creator of www.CatherineAlford.com, and the co-founder of www.MillennialHomeowner.com. Through her work, she offers a suite of digital products and services include financial writing, public speaking, and influencer marketing all with the goal of helping women become more financially confident.

Over the years, her writing and expertise have been featured in dozens of media outlets including Good Morning America, Yahoo Finance, Forbes, U.S. News and World Report, Real Simple, The Huffington Post, Kiplinger, Investopedia, Business Insider, and many more. She currently lives just outside of Detroit, Michigan with her husband, their boy/girl twins, and a rescue dog named Julep. Follow Cat on Instagram, Facebook and Twitter.

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1190 Ask Farnoosh: How Do Wealthy Women Invest? Apr 23, 2021

In this week's Ask Farnoosh, one listener, who is close to erasing $100,000 worth of debt, wonders how to now move onto her savings goals when she's so exhausted from her debt payoff. Another listener wonders how high-earning women invest (or should invest) their money, and is there any benefit to keeping all of your investments at one brokerage? Farnoosh weighs in.

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Bonus: From College Dropout to "Most Admired" CEO, In Conversation with Kirk Simpson, CEO of Wave Financial Apr 22, 2021

We are in conversation with an entrepreneur named Canada’s Most Admired CEO in the growth sector. Kirk Simpson, is the co-founder and CEO of Wave Financial, an accounting software business, that was recently acquired by H&R Block for over $500 million CAD.

Like many founders, Simpson's journey didn’t come without its share of struggles and financial hardships. And today in this climate of economic difficulty and struggle for small businesses, his lessons can hopefully shed some optimism and insight to what it takes to see a business through to an acquisition. But that’s not to say that Simpson's work and his team’s work at Wave Financial is complete.

This episode is brought to us by Wave Financial at waveapps.com.

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1189: The Brain Science of Branding and Spending Triggers with Leslie Zane Apr 21, 2021

What compels us to spend on certain brands over others? Guest Leslie Zane runs Triggers Brand Consulting, the first female-founded brand consultancy in the U.S..

A Harvard Business School graduate, Leslie is known in the industry for her expertise in applying brain science to branding. She was the first person to include a man in an advertisement for a baby care product. Farnoosh and Leslie discuss the "triggers" that get us to spend on certain products and services over others. Plus, Leslie's advice for women workers in today's rough job market, her own upbringing as the daughter of a Holocaust survivor and the biggest investing mistake she made.

Helpful links:

Triggers® Brand Consulting – https://triggers.com/
Leslie's article in Harvard Business Review - https://hbr.org/2021/02/advertisers-skip-the-platitudes-in-2021

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1188: The New Economics of Dating and How to Measure Your "Match" Apr 19, 2021

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

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1187: Ask Farnoosh: The "Struggles" of an Overnight Tech Millionaire Apr 16, 2021

Did you read the article in New York Magazine this week about the young woman who made $6 million in her start=up company's IPO? And how she's very, very troubled by it? Farnoosh and co-host Georgia Lee Hussey, founder of Modernist Financial, analyze the situation! And answer your money questions including: Should I finance IVF? and What's the best investment for a 20-something earning a steady paycheck?

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1186: Jannese Torres-Rodriguez, Financial Freedom for Latina Women Apr 14, 2021

Jannese is a nationally-acclaimed Latina Money Expert, Educator, Speaker, Writer and Business/Wealth Coach. She became an accidental entrepreneur after a job loss led her to create a successful Latin food blog,Delish D’Lites. Now, she helps her clients and listeners build successful online businesses that allow them to pursue financial independence and freedom. Jannese is on a mission to educate marginalized communities on topics like entrepreneurship, investing, and building generational wealth through her personal finance podcast, “Yo Quiero Dinero.” The podcast has been featured by BuzzFeed, Business Insider, NextAdvisor (Time), Grow Magazine (CNBC), Bankrate and more.

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1185: Writer Rachel Sklar Talks Single Motherhood, Selling Her Company and Bitcoin Apr 12, 2021

Entrepreneur and writer Rachel Sklar joins the podcast to share the behind-the-scenes of selling her company The Li.st, a global community of high impact women in media, technology & entrepreneurship, why being a single parent has proven to be her greatest joy in life and Rachel's experience buying and selling bitcoin.

Learn more about Rachel and her work at RachelSklar.com. You can follow her on Twitter and IG @rachelsklar.

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1184: Ask Farnoosh: How to Be a Better Spender, Affording City Living and Life After Student Loans Apr 09, 2021

Listeners ask about how to best afford moving to a more expensive city, splitting rent when you earn less than your partner and how to get more comfortable with spending. Guest co-host is Brittney Castro, CFP and Founder of Financially Wise Inc.

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1183: Think Like a Breadwinner with Jennifer Barrett, Author and Money Expert Apr 07, 2021

Though nearly half of working women in the United States are now their household's main breadwinner, most women still aren't raised to think like breadwinners. Financial expert Jennifer Barrett wants to change that. In her new bookTHINK LIKE A BREADWINNER Barrett aims to break barriers down and help close the gender gaps—in wages, wealth and leadership—for good.

More about Jennifer: She is the Chief Education Officer at Acorns, a financial wellness app with more than 8 million users, and the founding editor of its popular money site, Grow.

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1182: The Lost Art of Connecting with Susan McPherson Apr 05, 2021

At a time when we are more physically distant than ever before—how can we reverse the growing trends of disconnection to forge meaningful connections in business and in life? Guest Susan McPherson is the author of THE LOST ART OF CONNECTING: The Gather, Ask, Do Method for Building Meaningful Business Relationships.

In the book Susan argues that we need to foster value-based connections by going back to basics. Technology she says, is a tool, not a means to an end. To forge lasting relationships, we need to reconnect with people as human beings—especially right now. Making a genuine connection sparks learning, knowledge sharing, reduces burnout, spurs innovation, and creates a sense of purpose and well-being. The book offers a practical three-step framework to harness our shared humanity and shape our interactions daily—whether on Zoom or in real life.

More about Susan: She has a lifetime of experience building genuine connections in and out of work. She is the founder and CEO of McPherson Strategies, a communications consultancy focused on the intersection of brands and social impact. She has contributed to the Harvard Business Review, Fast Company, and Forbes. She has appeared on NPR, CNN, USA Today, The New Yorker, New York Magazine and the Los Angeles Times. Susan is a Vital Voices global corporate ambassador and has received numerous accolades for her voice on social media platforms from Fortune Magazine, Fast Company and Elle Magazine. She resides in Brooklyn.

Visit www.thelostartofconnecting.com to learn more about Susan and her book.

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1181: Ask Farnoosh: Leasing a Car, Investing in Crypto, Paying off $80k in Student Loans Apr 02, 2021

This week's Ask Farnoosh answers listeners questions related to paying off student loans and whether it's OK to invest at the same time, what to do with a $10,000 cash bonus from work, maybe invest in crypto? And what's wise: buying or leasing a car? Farnoosh weighs in.

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1180: How to Get Financially Whole with Tiffany Aliche "The Budgetnista" Mar 31, 2021

Tiffany Aliche, aka The Budgetnista, is back on So Money, sharing insights from her new #1 bestselling book Get Good with Money: 10 Simple Steps to Becoming Financially Whole.

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Bonus: Financial Relief for Struggling Homeowners and Renters Mar 29, 2021

Happy Monday! Delivering a special BONUS episode, in partnership with Fannie Mae, providing timely advice and support for struggling homeowners and renters impacted financially by COVID-19. The pandemic has hurt so many millions of Americans from being able to pay their bills, including their housing payments. It’s been especially challenging for people of color who have been disproportionately impacted economically.

Joining to provide some solutions is Danielle McCoy, Vice President and Fair Lending Officer at Fannie Mae. She and Farnoosh discuss Fannie Mae's #HeretoHelp education effort, the ins and outs of forbearance, and why it might be a real option for homeowners right now. They also tackle some of the myths surrounding forbearance and how it impacts one's credit. Also: important advice for renters that may need some financial assistance right now, how to know if you can qualify for free financial counseling and the best ways to negotiate with your landlord.

To learn more about the strategies discussed, please visit KnowYourOptions.com.

Please note, since the recording of this podcast the Centers for Disease Control and Prevention extended its temporary halt in residential evictions order through June 30, 2021.

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1179: Helping Refugee Youth Gain Financial Literacy with Charlie Grosso, Founder of Hello Future Mar 29, 2021

Guest Charlie Grosso is the founder of Hello Future, a nonprofit organization that bridges the education gap for adolescent refugees. The organization teaches the essential skills needed to become entrepreneurs and community leaders, starting with digital literacy and basic digital skills and later, storytelling, media literacy, critical thinking, problem-solving and financial literacy.

More about Charlie: She is Chinese-American and has 20 years of experience as an entrepreneur, having founded her first business at the age of 20. On the show, she describes the challenges of navigating her personal pursuits with her family's cultural expectations for her future, as well as how she's been able to stitch together so many wonderful and different career paths from being a photographer to documentarian to now, running an education non-profit.

Learn more at www.hellofuture.io and charliegrosso.com

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1178: Ask Farnoosh: A Weird 401(k) Problem, Buying a House with an Inherited Roth IRA and Free Credit Counseling Mar 26, 2021

We cover a lot of ground on Ask Farnoosh, answering questions related to a strange 401(k) at work, the pros and cons to placing a smaller down payment on a home, using an inherited Roth IRA to pay for a home purchase and where to turn for free credit counseling. Plus, Farnoosh's thoughts on this year's Equal Pay Day and the latest reviewer to win a free 15-minute money session.

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1177: How a Local Bakery (Barely) Survived the Pandemic Mar 24, 2021

By the end of 2020 roughly 3 out of every 10 small businesses that were open in New Jersey at the beginning of 2020 had closed. Today we're spotlighting a local bakery in Montclair, NJ (my town) for a behind-the-scenes look at how it managed to stay afloat in the pandemic.

Rachel Wyman is the owner of the Montclair Bread Company, a bakery that specializes in artisan bread, classic pastries and specialty donuts. It is also a beloved community gathering hub. In our conversation, Rachel shares the tumult of the first few months of the pandemic, having to furlough a majority of her staff and quickly rethink her business plan. We touch on the importance of having multiple revenue streams and ways to build a loyal community of customers.

Rachel grew up in Maryland and as a child watched her grandmother make wedding cakes. After graduating from the University of Florida with a French degree, she studied baking and pastry at the Culinary Institute of America in Hyde Park, NY, where she discovered a passion for baking bread. She has worked for Bread Alone Bakery, Amy’s Bread, and the Ritz-Carlton and has developed bread recipes for Wegmans, Whole Foods, Target, and Starbucks. She is a mom of three children.

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1176: The Financial Benefits of a College Gap Year with Abby Falik, Founder of Global Citizen Year Mar 22, 2021

The pandemic drove many incoming freshman students to defer their first year of college and take an unexpected 'gap year.' But what if this became the norm? Guest Abby Falik is a social entrepreneur and founder of Global Citizen Year, an organization that supports students between high school and college, helping them to approach higher ed with more intention and purpose. On the show Abby and Farnoosh discuss the benefits of slowing down the approach to college enrollment, how colleges and universities perceive the students that take a so-called "gap year" and why Abby thinks some colleges will be forced to close in the coming years.

More about Abby: She is the Founder & CEO of Global Citizen Year, an award-winning social entrepreneur, and an expert on the changing landscape of education. She is a frequent speaker and writer, and has been featured in prominent forums and news outlets including the Aspen Ideas Festival, the Fast Company Innovation Festival, The New York Times, The Washington Post, and NPR.

Learn more:

Global Citizen Year

Website: globalcitizenyear.org
Twitter: @GlobalCitizenYr
Facebook: facebook.com/globalcitizenyear
Instagram: instagram.com/globalcitizenyr

Abby Falik

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1175: Ask Farnoosh: Claiming the Stimulus Check, Retiring Early and Buying an Investment Property Mar 19, 2021

On this week's Ask Farnoosh, listeners want to know if it's better for married couples to file taxes separately to claim the stimulus, how to retire by 42 and when to know if purchasing an investment property is really worth it?

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1174: Squashing $170,000 Worth of Debt with Financial Coach Britni Ross Mar 17, 2021

Our guest today erased six figures worth of consumer debt and now runs a successful business, while teaching many on how to reclaim their financial health. Britni Ross is a Business & Financial Educator and Coach who focuses on helping you break your financial handcuffs so you can create a life and work you love.

From budgeting to wealth building, Britni teaches you how to take command of your money story. Over the last decade, she has paid off over $170,000 in personal debt and left her corporate job to test her skills at running a business.

Britni is a wife, mother, and multi-passionate entrepreneur who lives in Ohio where she continues working toward her goal of becoming financially independent. Beyond her coaching business, she also runs a successful e-commerce company with her husband from the comfort of their 13-acre countryside property.

Blog/Site: https://www.britniross.com

Instagram - https://www.instagram.com/britniross

Free Resource for the Podcast Audience: https://www.britniross.com/somoney (custom offer will be live before our interview)

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1173: Recalculating Your Career in a Post-Covid World with Lindsey Pollak Mar 15, 2021

Guest Lindsey Pollak is a New York Times bestselling author and career and workplace expert. Her newest book, Recalculating: Navigate Your Career Through the Changing World of Work,is a direct response to the COVID crisis, is an inspirational, practical, and forward-looking career playbook for recent grads, career changers, and transitioning professionals looking to thrive in today’s rapidly evolving workplace.

More about Lindsey: Lindsey was named to the 2020 Thinkers50 Radar List, which honors the top global management thinkers whose work is shaping the future of how organizations are managed and led. Her advice and opinions have appeared in such media outlets as The TODAY Show, The New York Times, The Wall Street Journal, CNN and NPR. Lindsey is a graduate of Yale University. You can learn more about her work on her website.

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1172: Ask Farnoosh: Can (and Should) You Buy a House in this Crazy Market? Mar 12, 2021

This week's Ask Farnoosh episode covers pros and cons to buying in today's hot real estate market, financial (and life) advice for your 30s and the lowdown on Health Savings Accounts. Guest is Adam Auriemma, Editor in Chief of NextAdvisor.com

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1171: Promoting Inclusivity at Work, Closing the Wage Gap and Building Generational Wealth Mar 10, 2021

We cover it all today! From how businesses can (and should) be more inclusive, the fight for equal pay at work and how to create generational wealth. My guest is Daisy Auger-Dominguez, Chief People Officer at Vice Media Group. For over twenty years, Daisy has made it her mission to make workplaces more equitable and inclusive. A human capital executive and expert on diversity, equity and inclusion, Daisy inspires and equips global leaders and organizations to think inclusively, lead with purpose, embrace courage and shape the future of work. She's consulted mega-watt companies including Google and Disney.

In our conversation we discuss: today's blueprint for creating a more inclusive culture at work, how to teach empathy, Daisy's childhood, as a Dominican-Puerto Rican-New Yorker, of being "close to wealth" but not wealthy and how she's creating generational wealth for her daughter and siblings.

More about Daisy: Her TEDx talk Inclusion Revolution and upcoming book with Seal Press by the same title calls on everyone, from an individual contributor to a CEO, to take on the work of dismantling inequity in the workplace.

Learn more at https://www.daisyauger-dominguez.com.

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1170: How One Mom Stopped Shopping on Amazon for Good Mar 08, 2021

#BoycottAmazon has been trending on Twitter lately. Maybe you’ve seen the headlines about Amazon’s alleged unsustainable and unfair working conditions or grown concerned about the massive wealth chasm between the company’s founder and its 1.3 million employees.

Perhaps you’ve witnessed several mom and pop-owned businesses close their doors during the pandemic, while Amazon earned billions. You may be embarrassed about the amount of money you spend at the retail behemoth. Or maybe you just want to better support minority-owned businesses.

Whatever the reason, you may be compelled to quit Amazon for good. Today’s episode interviews one New York City journalist and mom who’s given up her Amazon spending as best she can.

Julie Scelfo officially kicked her Amazon habit in 2019 for “a combination of reasons,” she told me. Between the excessive packaging that made recycling a “part-time job,” the financial toll on mom-and-pop stores, and the overtime delivery teams suffered around the holidays to get Amazon packages to doorsteps, Scelfo had witnessed enough. The site was once her go-to for everything from laundry detergent to books, baby gifts, and kid clothes, but she banned it altogether.

As an activist, this isn’t Scelfo’s first retail boycott. Several years ago, she gave up the Gap when she saw the clothing store monopolizing city street corners and edging out smaller shops. “I’ve always tried to spend my dollars in line with my values.” But, she admits, “it’s not so easy.”

Listen to find out more about Julie’s reasons for banning Amazon, how she’s finding alternative vendors and how others can follow in her footsteps.

More about Julie: She is a journalist, author and justice advocate who helps people discover the forces that help shape human thinking.

Recently, she gave a TED Talk about how humans make meaning and why being “media savvy” — having an understanding how media works — is essential for parsing today’s cluttered information environment.

Previously, Scelfo was a staff writer for The New York Times, where she wrote stories about how we live in contemporary American society that frequently ended up on the Times’s most-emailed list. Before joining the Times in 2007, Scelfo was a Correspondent at Newsweek where she covered breaking news, including the September 11, 2001 attack on the World Trade Center.

Scelfo is most popularly known as the author of The Women Who Made New York (Seal Press/Hachette, 2016), a collection of intersectional biographies that reveal how it was women — and not just men — who built one of the world’s greatest cities. Irin Carmon described the book as “both a public service and a pleasure;” Maria Popova of Brain Pickings deemed it “rigorously researched and elegantly written.”

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1169: Ask Farnoosh: Roth IRA Penalties, Stock "Slices" and Locking in a Mortgage Rate Mar 05, 2021

Farnoosh answers listeners' questions about what to do after accidentally contributing to a Roth IRA when your incomer exceeded the limit, as well as whether it's wise to invest in stock "slices." Also: When does it make sense to pay for and lock in a mortgage rate and what is the best way to save for a child's future?

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1168: Using Your Intuition to Achieve Financial Goals with Laura Day Mar 03, 2021

How can we use our intuition to drive smart decisions during a time of great uncertainty? New York Times-bestselling author Laura Day has spent nearly four decades helping individuals, organizations, and companies harness and develop their innate intuitive abilities to create profound change. Newsweek magazine calls her “The $10,000-a-Month Psychic,” adding “When business people need a crystal ball, they turn to consultant Laura Day, the ‘intuitionist.’”

We discuss: How to harness your intuition? What is intuition, actually? What are her predictions for the economy? How can our intuition help us achieve financial goals?

More about Laura Day: Her work has helped demystify intuition and bring it into the mainstream. In her workshops and presentations, she demonstrates the practical, verifiable, and sometimes astonishing uses of intuition in the fields of business, science, medicine, and personal growth. She is the author of six bestselling books including Practical Intuition and The Circle. She has appeared on numerous TV networks and programs, including CNN, Fox News, Good Morning America, The View, Extra, and The Oprah Winfrey Show. For more information, please visit: www.practicalintuition.com

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1167: How to Brag Better with Author Meredith Fineman Mar 01, 2021

On today's episode: How to brag about your accomplishments without sounding pompous? How to get ahead at work with an effective "bragging" strategy?

Meredith Fineman is the author of Brag Better: Master the Art of Fearless Self-Promotion. She is an entrepreneur, writer, and media expert with over a decade of experience training individuals to use public relations as a catalyst for positive career change. She is the founder and CEO of FinePoint, a leadership and professional development company with a focus on visibility and voice. She speaks and trains a number of topics, and is best known for her speaking and training on women and bragging. She is also the creator and host of the second-hand and sustainable fashion podcast, It Never Gets Old.

To learn more about Meredith check out:

www.brag-better.com

www.meredithfineman.com

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1166: Ask Farnoosh: Is it a Good Time to Buy a House? And is it Wise to Pay Down my Mortgage Early? Feb 26, 2021

Lots of real estate questions on So Money today. From figuring out whether it's a wise time to buy a home in seller's market and whether or not it's worth it to pay off a mortgage early, Farnoosh tackles listeners' biggest questions.

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Bonus: How Will Robots Change Our Financial Lives? Feb 25, 2021

How do you feel about the idea of robots playing a bigger role in our financial lives? What does that even mean? I recently teamed up cloud computing firm Oracle to ask over 9,000 consumers and business leaders around the globe about their thoughts on the relationship between money and tech — specifically AI (artificial intelligence) and robots. What we discovered is that two in three people (67%) say they trust robots more than humans with their money. And 8 in 10 consumers think automated tools will replace personal financial advisors in the coming years.

Joining me today to discuss all of this for this special bonus podcast brought to us by Oracle, is Kimberly Ellison-Taylor, who has a diverse background in finance and technology; she is currently an executive director at Oracle and previous to Oracle she held positions at NASA’s Goddard Space Flight Center and Motorola.

She and I discuss the benefits of leveraging technology in our financial lives and what this trend means for advisors. Kimberly also shares personal stories of her upbringing and what drove her to the field of tech and science.

To learn more about the survey visit www.oracle.com/moneyandmachines

More about Kimberly: She is a global technology and finance leader with over 29 years of career achievements. She is a sought-after keynote speaker and has received many awards and recognitions for her expertise and leadership, including Accounting Today's “Top 100 Most Influential People in Accounting” and CPA Practice Advisor's “25 Most Powerful Women in Accounting.”

For the last 16 years, Ellison-Taylor has served in global leadership roles for Oracle Corporation and also currently advises C-Suite executives on cloud solutions that innovate and transform business. She is also an adjunct professor for Carnegie Mellon University’s Chief Information Officer Certificate program, teaching courses in Emerging Technologies & Innovation.

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1165: Investing in Women, Disrupting the Legal Industry and Common Startup Mistakes with Candice Cook Simmons, Founder of the Cook Law Group Feb 24, 2021

The pandemic has spurred disruption and acceleration around the world. Our guest Candice Cook Simmons, Founder of the Cook Law Group, is navigating these times by disrupting her industry, and investing more in female-led start-ups. She discusses why investing in women makes great financial sense, how her law firm works with clients in a more collaborative and affordable way and the biggest mistakes founders make in launching their businesses that can lead to legal challenges.

More about Candice: She is Founder and Managing Member of The Cook Law Group and a Co-founder of Wrd Ventures, She has been featured in The New York Times as one of the top women attorneys in New York and selected as a “Rising Star” and “Super Lawyer.” Through Wrd Ventures—an early stage venture fund developed with Venmo Co-founder Iqram Magdon-Ismail—she invests in underrepresented founders.

A native of Atlanta, Candice Cook Simmons lives in Brooklyn with her husband and son.

You can learn more about Candice here.

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1164: The Future of Money with Daniel Simon, Author of The Money Hackers Feb 22, 2021

Fintech is changing our lives, from Robo-advisers to mobile banking and Bitcoin. In his new book, The Money Hackers,author Daniel Simon focuses on some of fintech’s most powerful disruptors - a ragtag collection of financial outsiders and savants - and uses their incredible stories to explain not just how the technology works, but how the Silicon Valley thinking behind the technology works...and the future of fintech. What more can we expect?

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1163: Ask Farnoosh: Why D*ve R*msey Got it Really Wrong About Stimulus Checks Feb 19, 2021

Farnoosh shares her opposing thoughts on finance guru D*ve R*msey's comments on F*x N*ws regarding why a $600 or $1400 stimulus check is bad news for Americans. Also: How to research and negotiate your rates as a freelancer or contractor? Another listener asks: What if you don't have any financial goals right now? And, finally, do you really need life insurance? Really? Farnoosh also selects her iTunes reviewer of the week to receive a free 1:1 money session with her.

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1162: Leveraging Your Artistic Assets with Steven Wallace, Composer, Singer and Filmmaker Feb 17, 2021

Prolific composer and artist Steven Wallace joins So Money to discuss the release of highly anticipated film musical Hal King, a hip hop/r&b style musical set in the jazz era of the late 1950's.

Steve shares his rich journey mastering the fields of music, performance and filmmaking. We discuss the challenges of being a person of color in a classically white industry, and the behind-the-scenes of how he funded his film.

More about Steve Wallace: He is a singer and composer from Chicago and most recently a composer with BMI’s Lehman Engel Workshop for composers and lyricists. His professional expertise incorporates a plethora of genres and styles from Soul, Hip Hop, Blues, and Classical. In the span of his career, Mr. Wallace has released 15 of his own albums independently as an artist,

produced, performed and written on over 100 albums with credits including Ledisi, Ghostface Killah of the Wu Tang Clan, De La Soul, and Eric Roberson, as well as gaining nods from the likes of Jay-Z, Jadakiss, Just Blaze and others for his fantastic and creative ideas.

As a composer, Steve Wallace has written a book of 15 art songs, 2 symphonies, 4 operas, 2 musicals and a variety of chamber works for various instruments. Mr. Wallace is also a very accomplished classical singer and has performed worldwide as a soloist, on tours, and as lead tenor roles in operas such as Carmen, La Boheme, and La Traviata with respected opera companies nationwide.

Here's where you can watch the trailer for Hal King. The film is currently streaming on Amazon, iTunes, YouTube and Google Play.

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1161: How to Make Hard Decisions About Money & Life...Easy Feb 15, 2021

Guest Stef Ziev is an executive coach and creator and host of the Permission to Choose podcast. She shares her strategies for helping clients overcome decision paralysis, overcome mental blocks and make choices aligned with their values.

More about Stef: She is a former TV Executive turned certified life and executive coach who appears as an expert on NBC’s Today show, as well as SiriusXM Satellite Radio on various channels.= Stef spent nearly two decades as an award-winning senior development executive in the entertainment industry. She worked for DreamWorks and The Oxygen Network where she developed and oversaw original movies and series for television, several of which won and were nominated for awards, including an Emmy. Stef’s goal with every client is to remind them they have the choice to live and lead with more joy and freedom which creates more impact with greater ease.

For more information, please visit: stefziev.com

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1160: Ask Farnoosh: Financial Advice For My 40s (And You Can, Too!) Feb 12, 2021

As Farnoosh journeys further into her 40s, she shares her top pieces of financial advice to accomplish in the next decade. Plus, listeners ask: How to talk to parents about their finances if they're stubborn or too proud (but you know they're struggling), how to create a bridge between a current career and a future one, and how self-employed can best save for retirement.

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1159: Smart Ways to Invest in Real Estate in 2021 Feb 10, 2021

If you're interested in building wealth through real estate investments, our guest Fee Gentry can help. She is an Austin-based real estate agent and "agent for change," focused on supporting female and Black investors navigate the real estate market successfully. She is on the Board of Directors at eXp World Holdings. We discuss: how buyers can negotiate in the competitive sellers' market, the risks that come with FHA loans and hot markets that are headed for more appreciation in the coming years.

More about Fee Gentry: Before immersing herself in the real estate world, Fee was as a serial entrepreneur. She earned her MBA and founded several businesses in the rehab, fitness, and sports training industries, including a post-rehab company working with athletes including those in the NFL, NBA, WNBA, MLB, NCAA, and the Olympics. She became a Realtor in 2004 with the mission to help her clients achieve what she believes to be a vastly important step in obtaining financial freedom: home ownership. Over the past 15 years, she has generated exciting opportunities for her clients and helped them accomplish their home ownership goals. Her personal website is here.

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1158: How to Practice Anti-Racism in Money and Work with Trudi Lebron, Founder of ScriptFlip! Feb 08, 2021

Today's podcast centers around ways business owners and individuals can lead with a greater commitment towards equity and inclusion, From more conscious day-to-day spending to making an impact - both inside and outside of work - guest Trudi Lebron, diversity, equity and inclusion coach, shares actionable steps we can aspire to to pursue.

More about Trudi Lebron: She teaches individuals and institutions how to build successful, anti-racist businesses. In the past seven years, she has grown her company, Scriptflip!, into a multi-six figure machine for helping others maximize their social impact. Trudi is the host of the Business Remixed Podcast, has been featured in Forbes and was recognized as one of the Hartford Business Journal 40 Under 40 Leaders in 2016. She lives in Hartford with her two children.

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1157: Ask Farnoosh: What do you think of the Robinhood app? Feb 05, 2021

On this Friday's Ask Farnoosh, listeners want to know about whether or not to quit a job, how to handle a $40,000 signing bonus and how to teach kids of all ages about money. Plus, hear what Farnoosh thinks about the Robinhood app.

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1156: Didn’t get a stimulus check? How to claim that money on your taxes Feb 03, 2021

Tax season is delayed this year. What will that mean for our taxes? Adam Auriemma, Editor-in-Chief of NextAdvisor, joins to share some important IRS updates. If you didn’t get a stimulus check, learn how to claim that money on your taxes.

More about Adam: He is the editor-in-chief of NextAdvisor, the personal finance channel of TIME. Before that, he was editor-in-chief of Money Magazine and a deputy bureau chief at The Wall Street Journal. Teams working under Adam’s leadership have received the Gerald Loeb Award for Business and Financial Journalism, a National Association of Black Journalists Digital Media Commentary Award, and an Emmy nomination for Best Cultural/Topical Documentary.

Subscribe to NextAdvisor's newsletter: https://time.com/nextadvisor/subscribe/

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1155: Following a New Career Path at 40 with Tina Wells, Entrepreneur and Author Feb 01, 2021

At age 16, Tina Wells began what would become a multi-million dollar marketing firm, Buzz Marketing Group, that would claim Apple, The Oprah Winfrey Network, Johnson and Johnson and other top brands as clients. Today, at age 40, she is pursuing a new path that entails building a publishing empire focusing on tween girls. In our conversation, she discusses her business beginnings in high school to her recent - hard, but important - decision to pivot, as well as her business relationship with Target.

More about Tina Wells: She is the founder of RLVNT Media, a multimedia content venture serving entrepreneurs, tweens and culturists with authentic representation. Tina is also the author of seven books, including the best-selling tween fiction series Mackenzie Blue, its 2020 spinoff series, The Zee Files, and the marketing handbook, Chasing Youth Culture and Getting It Right.

Learn more at TinaWells.com.

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1154: Ask Farnoosh: What's All This GameStop Drama and Why Does it Matter? Jan 29, 2021

Today’s Ask Farnoosh focuses on a recent market event that’s taken Wall Street and the investing world by storm: the GameStop "Short Squeeze." The stock has soared an epic 1,700% recently since December, driven by smaller investors. Dr. Hans Boateng, The Investing Tutor, helps Farnoosh break down this story, and provides his take on who's really to blame, what's at stake and why all of this matters to us. Follow Dr. Hans on Instagram @TheInvestingTutor

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1153: The Price You Pay for College with Ron Lieber, NYT Columnist Jan 27, 2021

It is "the most complex and emotionally fraught financial decision that many families will ever make," says my guest Ron Lieber about college. This high-stakes money move is a source of anxiety, stress and confusion. Too often, it leads us down the wrong path of over-borrowing for a school that under-delivers.

In his latest book, The Price You Pay for College, Ron help readers make the most financially and emotionally-intelligent decision possible in selecting a school. We'll discuss why the cost of college is SO high (over $300,000 for a private four-year college, on average), some secrets to paying for college (ever hear of merit aid?) and how to properly "value" the college experience, especially in the post-Covid world.

Ron's book is available at https://ronlieber.com/books/the-price-you-pay-for-college/

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1152: How Women Can (and Should) Make More Money with Claire Wasserman Jan 25, 2021

Ladies Get Paid is not only a fast-growing community for women seeking career support and guidance, it is now a bestselling book. Co-founder and author Claire Wasserman joins to share some of her best advice for navigating your career in 2021, why promoting gender equality at work is not just the right thing to do, but a wise business decision, and how to successfully ask your boss for more money over Zoom.

More about the book: Ladies Get Paid follows the lives of real women who each face different professional challenges, from being a perfectionist to navigating office politics, to negotiating their salary. Woven throughout is actionable advice and tangible tools to equip and empower the reader to level up at work and bring other women with them. Learn more at https://www.ladiesgetpaid.com/book.

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1151: Ask Farnoosh: I earn $6k a month from my side hustle. Can I quit my day job? Jan 22, 2021

This week's So Money mailbag includes questions related to quitting a day job to pursue a side hustle, saving up to buy a home and convincing reluctant parents to save and invest for retirement.

Joining as co-host is Philip Barker, an avid So Money listener. Philip began his career in advertising, and after some self-discovery, found himself wanting to help others. After graduating from Loyola University Chicago in May 2012, he began a career in clinical social work in a high school setting, specializing in adolescent behavior and substance use issues. In 2015, Phillip began his own psychotherapy practice and now sees clients privately and consults with organizations on clinical and social-emotional concerns, as well as advocating for diverse, inclusive workspaces. He is also a Certified Financial Social Worker, bridging his passions for personal finance and emotional well-being.

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1150: How a Black-Owned Trading Firm is Helping to Narrow the Racial Wealth Gap Jan 20, 2021

There are many reasons for the existing racial wealth gap. The fact that most Black households don't invest does not help.

According to the Federal Reserve only 33.5% of Black households owned stocks in 2019, according to data released recently by the Federal Reserve. Among white households, the ownership rate is nearly 61%.

Guests Ernest Gains and Latoya Smith are expert investors and the founders of a Black-owned stock market and trading education company called The Profit Room, which seeks to educate students on how to confidently invest in the market and build wealth.

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1149: Divorcing in a Pandemic (and Other Tough Stuff) with Kimberly Seals Allers Jan 18, 2021

Kimberly Seals Allers is a maternal and infant health advocate and tech founder. Her latest passion project is Irth (as in Birth but we dropped the B for bias), a "Yelp-like" review and rating app that addresses racism and bias in maternity and infant care.

In her conversation with Farnoosh, she shares the inspiration of Irth, a well as her own personal pregnancy journey. Later, she speaks candidly about her challenging divorce and the surprising financial moves she made during that process. Kimberly offers key advice on how women of color can best navigate this recession and how all women can prepare for a divorce in this moment.

More about Kimberly: She is an award-winning journalist, five-time author, international speaker, strategist and advocate for maternal and infant health. A former senior editor at ESSENCE and writer at FORTUNE magazine, Kimberly is a leading voice on birth, breastfeeding and motherhood at the intersection of race, class and policy.

To learn more about Kimberly and her work, visit BirthWithoutBias.com and KimberlySealsAllers.com. Follow her on social: @theirthapp on Instagram.

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1148: Ask Farnoosh: Best Financial Advice for Generation X? Jan 15, 2021

On this week's Ask Farnoosh, questions from the So Money mailbag include: Should we sell our house or rent it out? How much is too much owning company stock? And what is some specific financial advice for Generation X, those who are in their 40s and 50s?

So Money also celebrates its 6th year anniversary today!

Joining to co-host this week is Aditi Shekar, Founder & CEO, Zeta, a tool to help young couples master their money together. As her relationship with her boyfriend-turned-husband evolved over 15 years, she realized the need for tools designed specifically to help couples deal with and talk about their finances.

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1147: Find Your Dream Job in 2021 (and Earn Passive Income!) with Ramit Sethi Jan 13, 2021

If you want to land your dream job this year or negotiate for a much bigger raise, this episode is a must-listen. Friend of the show Ramit Sethi, author of The New York Times bestselling book I Will Teach You to Be Rich, joins Farnoosh to share real scripts, strategies and solutions for achieving career greatness, especially in these strange and challenging times. How to ace the job interview? How to ask for more money at your current job? How to leverage your soft skills to get high-paying jobs in finance and tech? Also, what are some smart ways to establish passive income streams?

More about Ramit: He has become a personal development expert to millions of readers in their twenties, thirties, and forties. He started his website, iwillteachyoutoberich.com, as a Stanford undergraduate in 2004, and he now hosts over a million readers per month on his blog, newsletter, and social media. The IWT community includes over 1 million monthly readers, 300,000 newsletter subscribers, and 35,000 premium customers. You can learn more about Ramit's course, Find Your Dream Job 2.0, at iwt.com/podcastdj. And follow him on Twitter and Instagram.

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1146: Navigating Motherhood, Money and Work in a Female-Led Recession Jan 11, 2021

Government subsidized child care. Super flexible work schedules. The current recession has been extra devastating for women workers and we need all the help we can get. Guests Amy Nelson and Samantha Ettus, co-hosts of the new podcast What's Her Story with Sam & Amy, join to discuss some potential solutions to support female professionals in today's economy, as well as their own personal journeys navigating work, life, money and motherhood in 2020 and now.

What’s Her Story with Sam & Amy is a podcast for women from two renowned entrepreneurs, Samantha Ettus and Amy Nelson. Each episode features a woman at the top of her field sharing her story - the personal and professional - as she has never told it before. Guests include Abby Wambach, Glennon Doyle, Padmasree Warrior, Arianna Huffington and more! As one review shared: “Listening to What’s Her Story with Sam & Amy is like eavesdropping on smart women having a conversation.”

The podcast is powered by Sam’s company, Park Place Payments, and Amy’s company, The Riveter.

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1145: Ask Farnoosh: My Partner Has $400,000 in Student Loans. What Should I Do? Jan 08, 2021

On this week's Ask Farnoosh, is it smart to step in and help a partner who's buried in student loan help by offering to help him or her pay it off? What are some graduate-level programs worth paying to study? Can I invest in both a 401(k) and an IRA? Listeners send in the BEST questions and Farnoosh selects a winner for her weekly 15-minute money phone calls.

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1144: Mastering Awkward (But Important) Money Convos with Family and Friends Jan 06, 2021

Financial author Erin Lowry joins Farnoosh to discuss the advice from her latest book Broke Millennial Talks Money: Scripts, Stories and Advice to Navigate Awkward Financial Conversations, They discuss why we should normalize prenups, talking to our parents about their retirement plans, asking colleagues about their salaries and setting financial boundaries with friends that earn more (or less) than you. Plus: how to tell your friend you can't afford to be in her wedding.

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1143: Money Fluency, Financial Sustainability and the Benefits to Slowing Down Jan 04, 2021

For the first fresh episode of 2021, Farnoosh sits down with the multi-talented Umbreen Bhatti, Director of The Athena Center for Leadership, Barnard College. Umbreen works with young women to build a better world. She has worked in top positions in media and law. Farnoosh and Umbreen spoke about her role at The Athena Center, how she is helping students become more money fluent. The conversation also shifted to financial sustainability, how to make conscious money moves and purchasing choices that can make an impact. And what are the benefits of slowing down your life?

More about Umbreen: She is the Constance Hess Williams ‘66 Director of the Athena Center for Leadership at Barnard College, where she works with young women building a better world. Previously, Umbreen led the innovation lab at KQED, the Bay Area’s NPR | PBS station. Umbreen also serves on the board of Global Press, a news organization dedicated to reinventing the craft and business of international journalism by recruiting diverse populations of local women and training them to become professional, ethical journalists. She lives in New York.

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1142: Ask Farnoosh: The new FICO score, real estate investing and managing a cash windfall Jan 01, 2021

If you've chosen to spend your New Year day listening to So Money - you're on the right track! This episode is a replay of one of the most popular Ask Farnoosh recordings of 2020 - lessons on managing credit, spending a windfall and investing in real estate.

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1141: Best of 2020: How to Create a Healthier Money Mindset Dec 30, 2020

Today's show reviews some of the best discussions related to money mindset in 2020. The way we think is so much of where our financial reactions and decisions arise. How to develop a healthier mindset to help you make better money choices? Conversations with Arian Simone, Morgan Housel and Leisa Peterson.

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1140: Best of So Money 2020: Black Wealth Matters Dec 28, 2020

Today’s episode shares moments from 2020’s Black Wealth Matters series, discussions about what it means to be Black in America and trying to achieve financial freedom. Hear excerpts from Farnoosh’s conversations with Talaat and Tai McNeely, Yemi Rose and Queen Latifah.

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1139: Ask Farnoosh: What are some smart ways to earn passive income? Dec 25, 2020

Not surprising, this Ask Farnoosh episode, which first aired earlier in 2020, became one of the top-downloaded episode of the year. Who doesn't want to learn how to make more money, right? The episode was also so much more -- with questions related to improving credit, investing and finding a financial planner, all things that were relevant then and now.

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1138: Best of So Money 2020: Buying, Selling and Investing in Real Estate Dec 23, 2020

A review of some of the top interviews related to real estate in 2020, including conversations with real estate guru and author Ilyce Glink, co-hosts of The Bigger Pockets podcast Mindy Jensen and Scott Trench, and Michelle Bosch, real estate investor.

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1137: Best of So Money 2020: Farnoosh's Favorite Episodes Dec 21, 2020

Farnoosh reveals a few of her favorite episodes from 2020. We'll hear excerpts from her conversations with Heather Chauvin, an entrepreneur and mom of four who battled stage 4 cancer, Bill Perkins, author of the book Die with Zero and Gravity CEO Dan Price on how he managed to keep his business operating without layoffs in the pandemic.

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1136: Ask Farnoosh: College Savings Plans, the Student Loan Crisis and Negotiating a Salary Dec 18, 2020

On today's Ask Farnoosh, CFP and founder of Modernist Financial Georgia Lee Hussey joins to answer your latest money questions: How to adjust college savings plans with the new administration? Who's responsible for the student loan debacle? Really? Farnoosh and Georgia have a healthy debate. Also: Can you use health insurance as a bargaining chip when negotiating a salary?

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BONUS: Managing Student Loan Debt (Part II) Dec 17, 2020

Today’s episode is the second of two bonus shows dedicated to answering your student loan questions, a collaboration with TIAA, a leading provider of financial services in the academic, research, medical, cultural and government fields.

TIAA has been working hard to help its participating employers provide student loan repayment solutions to workers. You may have heard of some companies providing benefits related to student loan debt repayment. Well, TIAA is part of this movement. To help, they’ve created a collaboration with Savi, a social impact technology startup that’s working to solve the student debt crisis by helping workers discover new repayment and loan forgiveness options, specifically the Federal Public Student Loan Forgiveness program enrollment.

If you missed last week’s BONUS episode, the part one of our two-part series, please check it out. We talked about how to negotiate a refinance with your PRIVATE student lender and whether or not we can count on the Public Service Loan Forgiveness program? PSL F? Will it be sticking around?

My guest is Snezana Zlatar, Senior Managing Director and Head of Financial Wellness and Innovation for TIAA. We navigate some of your student loan questions - from how to best deal with GRADUATE student loan debt to financial aid options for single moms and people of color?

Snezana also shares more about the TIAA Savi collab and how it’s saving some workers with student loans who take advantage of the solution, thousands of dollars per year.

To learn more visit www.TIAA.org/savi

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1135: Managing Money in Your Business...Better. Guest: Melanie Hopkins, Founder of Finance Friend Dec 16, 2020

You might be great at making money in your business...but can you manage it, too? The pain point of many business owners and entrepreneurs is, funny enough, figuring out the money stuff and running that aspect of the business more smoothly. Guest Melanie Hopkins, founder of Finance Friend, helps business owners become empowered in their financial management. Finance Friend is a business management and financial consulting firm. Her client roster ranges from human rights nonprofits to artisanal cheese makers to tech startups. She's saved businesses from financial ruin and can help them find better ways to keep the money they make.

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1134: The Psychology of Money with Author Morgan Housel Dec 14, 2020

Mastering money has little to do with math. Instead, behavior is the most important side of investing, says today's guest Morgan Housel, author of the top-selling book The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness. We discuss many of his insights including the underestimated power of luck and risk, how the only way to stay wealthy is being both frugal and paranoid, and the fallacy of 'earned success' and 'deserved failure.'

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1133: Ask Farnoosh: Your Top Money Questions for the New Year Dec 11, 2020

*This episode is brought to us by COUNTRY Financial.

We're looking ahead and helping you answer some of your 2021 money questions today.

I’ve recently partnered with COUNTRY Financial, and they conducted a survey checking in on how Americans are feeling about their finances. Are we optimistic? worried?

Well, 38% say they believe their finances will improve in the New Year. And ahead of this episode I asked YOU on Instagram for your top financial questions as we ring in 2021, so we'll be tackling some of those in a moment with special co-host Troy Frerichs, Vice President of Investment Services at COUNTRY Trust Bank.

We've got questions about what to do with an inheritance someone recently received, whether to max out a 401(k) before the tax deadline and whether to use savings for paying down debt or keeping it put?

The COUNTRY Financial Security Index, a survey conducted by Ipsos, an independent research firm, on November 6-9, 2020 of 1,015 American adults (18+). The full survey results can be found in the COUNTRY Financial newsroom at countryfinancial.com/farnoosh.

Troy’s comments are his own, and while he is here on behalf of COUNTRY Trust Bank, anything stated should not be considered individual investment advice.

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BONUS: Managing Student Loan Debt (Part I) Dec 10, 2020

Today’s episode is one of two bonus shows dedicated to answering your student loan questions, a collaboration with TIAA, a leading provider of financial services in the academic, research, medical, cultural and government fields.

TIAA has been working hard to help its participating employers provide student loan repayment solutions to workers. They’ve created a collaboration with Savi, a social impact technology startup that’s working to solve the student debt crisis by helping workers discover new repayment and loan forgiveness options. The solution helps individuals with their student debt, specifically their Federal Public Student Loan Forgiveness program enrollment.

My guest is Snezana Zlatar, Senior Managing Director and Head of Financial Wellness and Innovation for TIAA. We navigate some of your student loan questions - from how to negotiate lower rates on your private loan and whether it’s wise to put extra money towards your student loans or a retirement plan?

Snezana also shares more about the TIAA Savi collab and how it’s saving workers with student loans who take advantage of the solution an average of $1,900 a year.

To learn more visit www.TIAA.org/savi

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1132: Why the Future is Bright for Professional Women with Kristy Wallace, CEO of Ellevate Network Dec 09, 2020

While 2020 was a step backwards for female employment, my guest believes that big changes are afoot to support professional women in the workplace. Kristy Wallace is the CEO of Ellevate Network, and is responsible for executing Ellevate Network’s mission of changing the culture of business from the inside out by providing professional women with a supportive community to lean on and learn from. She directs the Network’s staff, is responsible for business growth and strategy, and works closely with Ellevate's Chapter Leaders, Business Partners, and Champions to further Ellevate's impact.

Kristy is host of the Ellevate Podcast: Conversations with Women Changing the Face of Business and is also a regular speaker and thought leader on Leadership, Diversity, Social Entrepreneurship, Networking, and Entrepreneurialism. Most recently, Kristy was recognized as a Woman of Influence by the New York Business Journal.

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1131: Comedy, Money and the Middle East with Negin Farsad Dec 07, 2020

Negin Farsad was named one of the 53 Funniest Women by Huffington Post and her TEDTalk on social justice comedy has been seen by millions. She is author of How to Make White People Laugh, host of political comedy podcast Fake the Nation, regular panelist on NPR’s Wait Wait Don’t Tell Me, and frequent co-host on Neil DeGrasse Tyon’s Star Talk. She’s been on HBO's High Maintenance and Comedy Central’s Nightly Show among others. She wrote/directed The Muslims Are Coming! (Netflix) with Jon Stewart and David Cross. Her latest 3rd Street Blackout is on Peacock.

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1130: Ask Farnoosh: Money Strategies for Married Couples Dec 04, 2020

On this week's Ask Farnoosh, a listener requests financial advice for her relationship. Another fan wants to know how to best save for a child's college education. Also, will housing prices cool in 2021?

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1129: The Truth About Financing a Documentary with Film Maker Wendy Sachs Dec 02, 2020

What does it cost to produce a documentary? Can you get rich selling a project to Showtime or Amazon?

Wendy Sachs recently pivoted from her career as a bestselling author and speaker to produce a documentary. She spent three years on the road following the political campaigns of, among others, Lauren Underwood, the youngest Black woman to ever be elected to Congress. Fresh from that experience, she's on So Money to discuss the behind-the-scenes reality of raising money for her project and how she ultimately negotiated deals with two major streaming channels. Her documentary, Surge, is about the record number of first-time female candidates who ran, won and upended politics in the historic 2018 midterm election. It premiered on Showtime this fall and is currently airing on Amazon, as well.

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1128: Career Support and Strategies for Women of Color by Women of Color Nov 30, 2020

Rha Goddess and Deepa Purushothaman were brought together over five years ago. Deepa was a “first” Senior Partner at Deloitte. Rha left corporate America and the chemical industry as an “only” two decades ago to focus on helping leaders find their passion, purpose and calling. Deepa has spent years focusing on women’s leadership and inclusion strategies to help WOC navigate corporate structures. Rha has helped hundreds of high impact leaders realize they can work in ways that honor their values and uplift new definitions of power, profitability and success. Together, they have discovered that there is a collective untapped power that WOC have yet to harness and leverage. Visit n2formation.com to learn more.

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1127: How I negotiated a speaking deal to earn 10 times more. Nov 27, 2020

(Replay) I recently had an experience that was proof positive of all the advice shared on So Money about how to negotiate your worth. The following episode offers the the play-by-play that happened over email and my notes to you. It's the actual script (with some omissions for privacy). Plus, answers to your money questions about building credit and making the most of a lump sum payment. This episode originally aired on January 31, 2020.

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1126: How Marijuana Went Mainstream with Heather Cabot, Author of The New Chardonnay Nov 25, 2020

From Snoop Dogg to Martha Stewart and suburbia, marijuana has entered the mainstream. What drove this movement? It's a story about business, race, politics and of course, money. Our guest is Heather Cabot, award-winning journalist and author of The New Chardonnay: The Unlikely Story of How Marijuana Went Mainstream.

More about Heather: Her book was named a Good Morning America “must-read” and has earned praise from Publishers Weekly, Kirkus, Booklist and Katie Couric for the book’s deep reporting and entertaining storytelling. Heather also hosts The New Chardonnay podcast and is a former ABC News correspondent and anchor. Cabot serves on the Columbia University Graduate School of Journalism alumni board and is a contributor to Forbes. She is also the co-author of the WSJ-acclaimed book Geek Girl Rising: Inside the Sisterhood Shaking Up Tech (St. Martin’s Press).

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1125: Pivoting When Your Entire Industry Shuts Down with Margaret Skoglund, Founder Virtual Broadway Nov 23, 2020

When Broadway went dark in March 2020 following the pandemic, countless artists and performers found themselves suddenly out of work, including Margaret Skoglund, a Broadway show manager. Her pivot in the following months would not help her to rebound, but many of her creative colleagues. She founded Virtual Broadway, a platform that connects people to the world's most successful performers with professionally-produced, custom video experiences for your business or for your friends and family.

More about Margeret: A former Duke Women’s Basketball manager, she traded games for performances and practices for rehearsals when she moved to New York City to manage Broadway shows. Over a dozen years later, favorites include Rock of Ages, Mamma Mia!, What the Constitution Means to Me, and Once On This Island as well as The Lion King and Newsies First National Tours. Other credits include Executive Producer of The Seagull (2018 Tribeca Film Festival) and Associate Producer of the inaugural Festival of New American Musicals in Los Angeles. In her spare time, she served on the Duke University Alumni Association Board of Directors and co-founded Open Stage Project, a non-profit that introduces high school women from underserved communities to backstage jobs.

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1124: Ask Farnoosh: Save extra cash for retirement or a home down payment? Nov 20, 2020

Questions this week about how business owners can raise prices without turning off existing clients. Also, how to find a mentor and earn more media for your company? And if you had to choose: would you save an extra $2,000 a month for retirement or for a future home?

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1123: How to Create a Fearless Money Mindset with Arian Simone Nov 18, 2020

Arian Simone knows what it’s like to experience financial highs and lows. She went from being abruptly fired, forced to live in her car, and living off food stamps to becoming a philanthropist and running her own venture capital fund. Her book, The Fearless Money Mindset, is like a booster shot of optimism and can help transform how you look at your finances.

Her book The Fearless Money Mindset provides a close-up view inside the life of Arian detailing her life lessons, business wins, and humorous adventures that have impacted her personal and professional journey. Arian's open transparency illustrates that a simple shift in perspective can ultimately move you closer towards achieving what's possible.

“Many people have more fear in being broke, rather than faith in having abundance,” says Simone. Her journey is one of perseverance, business savvy, and faith. And it’s a testament to believing that when your luck is down, it’s only temporary — an essential reminder this year.

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1122: Negotiate a Raise (or Anything) with Alexandra Carter, Author of Ask For More Nov 16, 2020

Can you *really* ask for a raise right now? In a recession? Our guest Alexandra (Alex) Carter says it's not impossible. She's spent that last 11 years helping people negotiate successfully in all realms of life. Her first book Ask for More: Ten Questions to Negotiate Anything, was published May 5th by Simon & Schuster and became an instant Wall Street Journal bestseller — the first negotiation book solo-authored by a woman to make that list.

More about Alex: She is a Clinical Professor of Law and Director of the Mediation Clinic at Columbia Law School. She has spent the last eleven years helping thousands of people negotiate better, build relationships and reach their goals. In 2019, Alex was awarded the Columbia University Presidential Award for Outstanding Teaching, Columbia University’s highest teaching honor.

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1121: Ask Farnoosh: First-Time Homebuyer Advice and How to Best Save for Retirement? IRA or 401(k) Nov 13, 2020

This week's edition of Ask Farnoosh responds to audience questions related to home buying. Is it OK to buy a home if you don't have a lot of cash for a downpayment? Also, what's better for retirement savings, a Roth IRA or 401(k)? Plus, Farnoosh provides an overview of her latest column about what President-elect Biden's plans may mean for our finances.

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BONUS: Farnoosh talks saving, budgets and preparing for a layoff on the Hello Monday podcast Nov 12, 2020

A special drop! In case you missed it, Jessi Hempel, host of the amazing podcast Hello Monday, interviewed me about the relationship between money and work, why money is really important (and when it is not), and what we all can be doing to take control of our finances—especially this year. Jessi was also a guest on So Money this past Monday. As two female podcast hosts determined to grow our shows, we thought it would be fun to air our episodes on each other's feeds. Hope you enjoy!

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1120: The Best Business to Start Now with Shark Tank's Robert Herjavec Nov 11, 2020

A recession is historically a great time to start a successful business. Shark Tank star and serial entrepreneur Robert Herjavec joins Farnoosh to discuss the start-up opportunities he sees for entrepreneurs, as well his own journey learning about money and being raised the son of immigrants.

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1119: The Future of Work with Jessi Hempel, Host of Hello Monday Nov 09, 2020

What will be the future of the workplace? How can women, who've been disproportionately impacted by the pandemic and recession, land back in their careers? Guest Jessi Hempel is a senior editor at large at LinkedIn and host of the Webby-nominated podcast Hello Monday. For the past 17 years, she has been writing and editing features and cover stories about the most important people and companies in technology. Most recently, she was the head of editorial for Backchannel and a senior writer at Wired, where she profiled Dr. Fei-Fei Li and covered Uber’s attempted comeback. Earlier in her career, she was a senior writer for Fortune, where she co-chaired Fortune’s Aspen tech conference. Before that, Hempel wrote for BusinessWeek, and TIME Asia. She has appeared on CNN, PBS, MSNBC, Fox, and CNBC, addressing the culture and business of technology. Hempel is a graduate of Brown University and received a Masters in Journalism from U.C. Berkeley. She lives in New York City.

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1118: Ask Farnoosh: What Does the Election Mean for Our Finances? Nov 06, 2020

Farnoosh discusses what a Biden or Trump win may mean for taxes, jobs, stocks and more. Bankrate's Chief Financial Analyst Greg McBride weighs in with advice and historical context.

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1117: Raising Strong and Financially Secure Black Kids with Anne-Lyse Wealth Nov 04, 2020

How can Black families raise financially savvy children? What are the specific challenges families of color face when it comes to creating and leaving a financial legacy?

Guest Anne-Lyse Wealth is a Certified Public Accountant (CPA) and personal finance coach and author of Dream of Legacy, Raising Strong, and Financially Secure Black Kids. She began her career as a financial auditor at Ernst & Young. Before embarking on her journey to increase financial literacy in the Black community, she worked in finance and accounting for over a decade. Anne-Lyse grew up in Cameroon and France and moved to the United States at 18 years old. She is a mother of three girls and is passionate about closing the racial wealth gap. In her new book, she shares tools to overcome intergenerational trauma affecting the Black community and develop the mindset conducive to building generational wealth.

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1116: How to Make Big Life Changes and Move in the Pandemic Nov 02, 2020

If you're considering making a big move - personal or professional - in this strange moment, my guest today will offer inspiration and guidance. Chanie Wilschanski is a friend of the podcast, first visiting the show in 2018 to discuss her role as the breadwinner in her marriage, raising four children and running her own company. Today Chanie talks about why and how her family decided to move to Florida this summer, against all fears and uncertainty. For them this move required a giant leap of faith. Chanie's mindset and strategy towards this shift is commendable.

More about Chanie: She is an Early Childhood Leadership Coach and CEO of Schools of Excellence where she has worked with hundreds of EC Directors and School Owners who are working to build a School of Excellence with higher staff retention, teacher motivation, parent partnership and a collaborative culture.

Chanie began her journey over a decade ago, teaching toddlers at the acclaimed Preschool of the Arts in New York City for 8 years until she continued her path into high studies and earned her Masters in EC and Special Education.

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1115: Ask Farnoosh: Should We Sell Our House Right Now? Oct 30, 2020

Is now a smart time to sell? What's the best way to find a financial planner? How to best pay for a kitchen remodel? How can I save on home and auto insurance right now? Farnoosh tackles your most recent financial questions.

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1114: Financial Advice for Teachers with Professor Mark Schug Oct 28, 2020

This episode is dedicated to all of our great, hardworking teachers who deserve far more than they earn. Our guest Mark Schug is Professor Emeritus at the University of Wisconsin-Milwaukee and co-author of the new book, Teachers Can Be Financially Fit: Economists’ Advice for Educators. It may seem unrealistic for teachers to build wealth, knowing how underpaid many of them are, so Mark and I discuss saving, investing and earning strategies for educators to help them get ahead.

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1113: Managing Motherhood and Work with Mandi Woodruff Santos, Co-Host of the Brown Ambition Podcast Oct 26, 2020

Mandi Woodruff is the executive producer and co-host of the Brown Ambition Podcast, which she launched in 2015 with Tiffany "The Budgetnista" Aliche. Brown Ambition has been named one of the Best Financial Podcasts of 2020 by Business Insider and was nominated this year for a Plutus Award for best podcast. Mandi has more than a decade of experience as a personal finance editor and reporter, and now serves as the Senior Content Director for LendingTree.com, an online marketplace where you can shop and compare everything from mortgages to personal loans.

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1112: Ask Farnoosh: How to Manage Family Finances in the Pandemic? Oct 23, 2020

Today’s Ask Farnoosh focuses on questions related to managing your family finances in this pandemic and recession.

I recently partnered with COUNTRY Financial and they recently conducted this eye-opening survey which points to some major financial struggles across the nation. It found that 51% of parents have financial concerns with extra food, childcare, technology and internet costs and 27% of parents have had to delay paying rent, credit card bills, auto insurance bills or retirement contributions.

I'm joined by Troy Frerichs who is COUNTRY’s Vice President of Investment Services to help answer listener questions including:

How to be a new parent and manage the related costs and time pressures of working and raising your child from home?
How to get back in the workforce if you've had to quit your job during Covid to take care of your family?
How to navigate the increased costs of college kids returning and living back at home?

You can learn more about the COUNTRY survey and get access to some really helpful content and articles at countryfinancial.com/farnoosh

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1111: Kara Goldin, Founder of Hint Water and Author of Undaunted Oct 21, 2020

Like so many great entrepreneurs’ stories begin, Kara Goldin discovered her business idea through solving a problem in your own life, wanting to regain her health in her 40s. As she committed to drinking more water in her own life - and adding natural flavors to the drink - a business was born. Hint is now one of the leading beverages in the world and Kara called one of the leading six distruptors in business — alongside Steve Jobs and Mark Zuckerberg. Her latest endeavor is the launch of her book: Undaunted: Overcoming Doubt and Doubters. Part autobiography, part business memoir and lots of insights on self-development, Undaunted offers inspiring stories that impart lessons that any reader can apply to their own path. While most motivational business and life books try to offer quick fixes, Undaunted focuses on long-term success, showing you how to take control of breaking down barriers and moving forward.

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1110: Sally Taylor: Vice President and General Manager, FICO Oct 19, 2020

This episode is part of a two-episode series in partnership with FICO. Our initial episode tackled all of your top credit score-related questions. FICO's Joanne Gaskin joined to co-host. You can listen to the full episode here.

Today we welcome Sally Taylor, Vice President and General Manager of B2B Scores at FICO. As a product executive in the predictive analytics and decision management space, Sally has many years’ experience shaping, managing and delivering products that help businesses improve their operations and generate high ROI. She's been part of amazing transformations – such as leading the FICO Scores adoption to revolutionize the mortgage industry, to initial business uses of mathematical optimization in the credit industry – to currently making analytics accessible and consumable via the FICO Analytic Cloud Marketplace.

In her current role, Sally manages a team of 60 professionals responsible for business development and partner relations, product strategy and management, marketing, analytic and software development, analytic delivery and project management for global business-to-business FICO score products.

Learn more about Sally:

FICO Blog: FICO Celebrates 30th Anniversary of the FICO Score Spotlighting global financial inclusion innovation at 2019 FICO World
VIDEO – Fox Business: What is a FICO Score?
Forbes byline: Top Three Data Trends Helping To Transform Lending
Thrive Global: FICO VP Sally Taylor: “As with any social movement, walls come down when people respect and understand each other.”
Yahoo Finance: 10 Powerful Women in Finance Share Their Ideas on Achieving on Gender Parity

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1109: Ask Farnoosh: Should I wait to invest until after the election? Oct 16, 2020

How do elections impact the stock market and is there reason to pause your investment strategy until after November 3? This week's Ask Farnoosh responds to audience questions related to the election, as well as whether it's smart to withdraw from one's 401(k) to invest in real estate?

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1108: How to Talk to Your Kids About Money with Authors Doug Nordman and Carol Pittner Oct 14, 2020

Whether you’re struggling for the words (and patience) to discuss topics like allowances and college costs with your teenager or want to encourage your 4th grader to save at a young age, my guests have advice on how to teach financial principles to your kids throughout the years. Doug Nordman and Carol Pittner are the father-daughter authors of the book Raising Your Money-Savvy Family for Next Generation Financial Independence. The book is part personal stories, part practical advice, guiding readers on how to instill financial values in their kids starting as early as Kindergarten, or as the authors say, “after they stop eating money.” We discuss their own personal memories of discussing money when Carol was growing up, as well as how families that may be struggling with money can open up to their kids about it in a meaningful (and not scary) way.

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1107: The future of school and a new business that solves a massive problem. Oct 12, 2020

They say that necessity is the mother of invention, and in the pandemic, as families struggle to address the education gap for their kids, a group of moms got together to create an essential platform for parents and teachers to connect called The Learning Match. Julie Plake McMinn and her co-founders built The Learning. Match to connect families to trusted, qualified and experienced educators in their local community and virtually nationwide. Access to The Learning Match is always free for educators, and during the current beta testing is also free for families.

With more than 15 years of experience, Julie is an all-around marketing, branding, and PR pro. She is equally at home planning a major event, creating marketing strategies and

communications plans, or engaging top editors and producers. A move to New York City after she graduated from Penn State University, marked the start of her communications career: She began as a marketing and advertising assistant at Niche Media, a luxury-lifestyle magazine publisher. Working on Niche titles such as Gotham and Hamptons, Julie was thrown head first into the world of networking and relationship-building for the jet set. As a result of Julie’s own networking, entrepreneur and business owner Bethenny Frankel reached out when she needed an assistant. In 2008, she became Bethenny’s right hand—coordinator of chaos—handling everything from scheduling to marketing to product launches to the development of the Skinnygirl Brand.

Learn more about The Learning Match.

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1106: Ask Farnoosh: Should I Buy or Lease a Car? Oct 09, 2020

**This episode of So Money is sponsored by Auto Navigator from Capital One.**

Today we're answering your money questions related to buying a car, a deep-dive on all-things auto.

The fact is many of us are shopping for a new set of wheels these days. Sales of new vehicles are up big time, thanks to extremely low interest rates and rising demand from those who want an alternative to buses, trains and taxis…and more freedom to get around. Given this trend, I thought it would be helpful to dedicate an entire Friday show to providing advice and strategies for securing a great auto deal in today's market. I've recently partnered with Capital One and I'm excited to soon bring on Dave Kang, the CMO of Capital One’s Consumer Auto Finance, for his insights. We discuss:

When leasing may make more sense than buying a car?
Should I buy a new car or used?
How to best negotiate in this economy?

To check out Capital One's AutoNavigator tool described on the episode, visit www.capitalone.com/cars.

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1105: How to Pick Winning Investments (and What is Going on with the Markets?) with The Investing Tutor, Dr. Hans Boeteng Oct 07, 2020

If you're looking at the stock market and wondering why it's not suffering as much as the economy, my guest can explain. Dr. Hans Boeteng is also known as The Investing Tutor and he dedicates his work to teaching others how to analyze and engage wisely in the stock market. Dr. Hans shares his methodology for picking winning stocks (not something we recommend if you aren't already investing for retirement through a diversified portfolio in your 401k or IRA). But if you're ready to "play" in the market with some extra cash that you don't absolutely need, Dr. Hans has a strategy for us.

More about Dr. Hans: He was born and raised in Ghana, West Africa. He earned his Path of Distinction MBA from William and Mary and holds a Doctor of Pharmacy from St. John Fisher College. After he discovered how rich families built their fortune using the stock market, he decided to become an investor. He has read over 400 books, 40,000 financial articles and spent 11 years pursuing mastery. Dr. Hans has impacted the lives of countless professionals and placed many families on the path to Generational Wealth.

You can learn more about Dr. Hans and his teachings at www.theinvestingtutor.com

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1104: How Race Impacts Real Estate Decisions with Popcorn Finance Host Chris Browning Oct 05, 2020

A lot of Americans are choosing to relocate in the pandemic, but as my guest Chris Browning, host of the podcast Popcorn Finance explains, moving to a new part of the country can be challenging when you're Black or a person of color. Worrying about being accepted and safe is something he and his wife have experienced when thinking about whether to relocate from Los Angeles.

More about Chris: He is the creator and host of the award-winning, short-form podcast Popcorn Finance & the call in, money advice show This is Awkward. Each week Chris discusses finance in about the time it takes to make a bag of popcorn. Topics range from understanding the basics of investing to his love of tiny homes. Chris holds a bachelor’s degree in Finance with an emphasis in financial planning and still maintains his position as a financial analyst specializing in revenue analysis.

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1103: Ask Farnoosh: Should We Wait to Buy a House and Rent, Instead? Oct 02, 2020

Is now a 'good time' to buy or rent? Do I need life insurance? How should I tackle my fiance's student loans? All these questions answered and more in this week's Ask Farnoosh. Guest co-host is So Money fan and listener Susan Reade, General Manager of multiple radio stations in Edmonton, Canada, breadwinning wife and mom of two.

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1102: Money and Mimosas Founder Danetha Doe Sep 30, 2020

Danetha Doeis the creator of Money & Mimosas® and host of the Money Sex Power podcast.

Money & Mimosas is a financial well-being resource enjoyed by readers in over fifty countries. Danetha was named a personal finance expert by TIME, Fast Company and the Wall Street Journal.

She was recognized as a millennial thought leader by the Hong Kong Institute of CPAs and a millennial entrepreneur to watch by the office of Congresswoman Barbara Lee. Danetha is the star financial expert in the Webby Award winning TV series, Going From Broke, produced by Ashton Kutcher, which garnered over 12 million views in its first season.

Her work has been featured in Entrepreneur, Elle, The Chicago Tribune, Cosmopolitan, NBC and more.

A former NFL cheerleader turned money maven and entrepreneur, Danetha believes that charting your own path is the key to financial freedom.

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1101: How to Make the Most of the School Year with Education Expert Ana Homayoun Sep 28, 2020

There’s plenty to be frustrated with, as a parent to a child experiencing school virtually this fall. Same for teachers, administrators and students. These are unprecedented times and the path forward is unclear. All are struggling. But, what are the bright sides? How can families navigate this challenging academic year with more success (regardless of income)? This show is dedicated to offering positive solutions to an otherwise challenging school year with guest Ana Homayoun, noted teen and millennial expert, author, speaker, and educator. Her work focuses on helping students develop empathy and executive functioning skills in today’s tech and social media world.

More about Ana: She is the author of three books: That Crumpled Paper Was Due Last Week, The Myth of the Perfect Girl, and Social Media Wellness. Her work has been featured in the New York Times, the Wall Street Journal, The Atlantic, the Washington Post, the San Francisco Chronicle, and the San Jose Mercury News, as well as on Fast Company, CNBC, and ABC News, among others, and she is a frequent guest on NPR.

In 2001, Ana founded Green Ivy Educational Consulting, LLC, an internationally recognized organization that works with parents, students, educators, and employers. She works with schools, universities and corporations consulting with parents, students, educators and employers about promoting intrinsic motivation, authentic engagement, and overall wellness. In early 2019, with the support of the Foundation for the Carolinas, she launched the Life Navigator Middle School Program, a school advisory curriculum and school coaching program designed to promote executing functioning skills and student wellness as well as social and economic mobility.

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1100: Ask Farnoosh: When Will New York City Make a Comeback? Sep 25, 2020

On this week's Ask Farnoosh, host Farnoosh Torabi responds to audience questions related to the real estate market, specifically in New York City. Will the Big Apple get its groove back in the next year or two? Also: how parenthood can make you more productive at work (and richer), and best ways to save and invest for mid-term goals like buying a car or supporting a relative through college.

Co-host Chelsea Silveira Burgos revisits the show. She is an avid So Money listener and personal finance enthusiast pursuing financial independence with her husband and 4-year-old daughter. Chelsea and her family live in California where they own their home, save for retirement and college, and are working toward becoming debt-free.

Chelsea is a Board Certified Behavior Analyst (BCBA) and works primarily with children on the Autism spectrum. She is an adjunct instructor for her online grad program and has a private tutoring client who connected with Chelsea on Instagram after Chelsea was reposted by a few popular accounts in the field of ABA.

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1099: The GirlBoss Sophia Amoruso on Failure, Cancel Culture and Her Newest Endeavor Sep 23, 2020

Sophia Amoruso, aka THE GIRL BOSS, is a New York Times bestselling author and serial entrepreneur. In her latest venture, she’s going wheels up with a new program called Business Class, an in-depth online entrepreneurship course that covers the fundamentals of starting and scaling your own business. Registration started yesterday at takebusinessclass.com.

It’s a course Sophia says she’s prepared to teach like no one else, thanks to her successes and failures running high-profile businesses. You may know Sophia as the author of the NYT bestseller GirlBoss, which chronicles her personal journey of dumpster diving, shoplifting…starting an eBay account and turning it into a clothing empire called Nasty Gal.

Since then it’s been a rollercoaster of a timeline. Shortly after appearing on the cover of Forbes in 2016 as one the country’s richest self-made women, Sophia’s business NastyGal, the primary source of her wealth, filed for bankruptcy. Sophia moved on quickly, raising money to start her next business Girl BossMedia…That company acquired by Attention Capital and earlier this year Sophia stepped away from the CEO position. And in recent months the GirlBoss movement, which she became the poster woman for, has been criticized for its lack of inclusivity and diversity.

Sophia here gives a bold interview, talking openly about her ups and downs, what she makes of the “cancel culture” around GirlBoss…and why she’s actually glad she never became too too rich.

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1098: Suzanne Somers on Health, Wealth and Reinvention Sep 21, 2020

I first came across Suzanne Somers in the summer of 1986, as I was watching reruns of the early episodes of Three’s Company with my mom in our living room in Massachusetts. I was 6 years old, maybe too young to be watching a sitcom BUT old enough to recognize and appreciate that the actress who played the bubbly Chrissy Snow was hilarious and captivating. Years later I would watch this actress reveal more than just her performing skills…but also her brilliance as a savvy business woman, serial entrepreneur, world-renowned health advocate and multi-bestselling author….

Suzanne Somers is now 73 years young, and in the current chapter of her life, she is a leading voice on anti-aging. Her latest book - A New Way to Age - is now in paperback and it presents a revolutionary philosophy for a longer and better-quality life with easy-to-understand lessons and doctor interviews.

Hear Suzanne discuss her storied career, getting fired from Three's Company and they keys to her 50-year marriage.

More about Suzanne Somers is the author of twenty-seven books, with millions of copies in print globally, including the #1 New York Times bestsellers Sexy Forever, Knockout, and Ageless. She lectures all over the world and received an honorary doctorate from National University.

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1097: Ask Farnoosh: House Rich But Cash Poor. Now What? Sep 18, 2020

Farnoosh Torabi answers listeners' questions related to retirement preparation, paying off student loans versus investing and dealing with a scarcity mindset that prevents you from spending money, even when it's a good idea. Plus, Farnoosh reflects on home ownership and the benefits to selling so that you can activate your home equity.

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1096: Closing the Education Gap with Nitiya Walker, Founder of Seeds of Fortune Sep 16, 2020

Nitiya Walker is a social entrepreneur who's paying it forward. Her foundation Seeds of Fortune helps minority teen girls apply for college scholarships, as well as teaches career and financial management skills. After personally benefiting from a full scholarship to college, Nitiya realized the power and freedom that comes with starting your adulthood debt-free. Seeds of Fortune has so far awarded over $8 million in grants to young women.

More about Nitiya: She was awarded the 2018 Educational Leadership Award from State Senator Kevin S. Parker and the 2018 Clinton Global Initiative University Alumni Honor Roll. She was also 2016 Semi Finalist for the Forbes 30 Under 30 Change the World Competition, and invited to attend the 2016 White House United State of Women Summit. Upon graduating from Babson College, she was selected to participate in the competitive Viacom Summer Associates career, where she went on to launch her career working such prominent events such as the BET Awards.

To learn more about scholarship opportunities or how to contribute, visit www.seedsoffortune.org

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1095: Financial Advice for Women Right Now with CFP and Author Sarah Catherine Gutierrez Sep 14, 2020

The pandemic-recession continues to create bigger challenges for women. Today's guest Sarah Catherine Gutierrez, author of But First, Save 10 and founder of Aptus Financial, shares strategies that women can practice to protect their financial security today and in the future. Sarah hold an MPP from Harvard University and the CFP® and CRPS® designations. SC was recently recognized in the Investment News 2020 40 under 40 class of investment advisors.

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1094: Ask Farnoosh: Should I sell my house so I can invest more for retirement? Sep 11, 2020

In this week's Ask Farnoosh, Farnoosh answers questions from listeners regarding ways create a will and trust affordably, how to build a financial plan when you've just graduated from college and ways to convince a sibling to be more financially supportive of aging parents.

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1093: Yumna Jawad, Founder of Feel Good Foodie on How to Build a Top Instagram Business Sep 09, 2020

I've been cooking a lot more over the last six months and have discovered some incredible recipes from the spectacular Yumna Jawad, founder of Feel Good Foodie – a blog dedicated to sharing modern healthy-ish recipes with feel good ingredients. Yumna has a business degree from the University of Michigan and a background in Marketing and branding. She started micro-blogging on Instagram in July 2013 and eventually garnered over 2 million followers. She then launched the website to house hundreds of recipes, with a focus on healthy Mediterranean food. Her recipes and photos have been featured in Parade, Yahoo, BuzzFeed, Food Network Magazine, and Good Housekeeping. She was also named by US Weekly and SELF Magazine as a top healthy food blogger to follow and has appeared on national television on Live with Kelly & Ryan.

Yumna and I discuss the behind-the-scenes of running a wildly successful Instagram business, how she plans to continue growing and the lessons learned about money and negotiating at a young age. Plus, the mega brand deals she's passed on and WHY.

Visit www.feelgoodfoodie.com to follow Yumna and her recipes.

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1092: New Ways to Think About Debt, Saving and Retirement with Financial Expert Ali Katz Sep 07, 2020

Ali Katz is a personal finance expert, seven-figure entrepreneur, and lawyer who as made over a million dollars of financial mistakes in her life. Her experiences have helped her to establish a new way of thinking about money and steering one's financial life. She talks about the biggest mistakes we may be making with our money right now, why we need to change our thinking around debt, the pursuit of financial sovereignty and how to heal personal financial trauma in our lives.

To learn more about Ali, visit www.thealikatz.com

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1091: Ask Farnoosh: Answering All Things Credit with FICO Sep 04, 2020

We are focusing on all-things credit today, thanks to our friends at FICO.

Earlier, I asked you to submit your top credit-related questions and we've rounded up many of them for this episode. From how to boost your credit score to confusion around how credit scores get calculated and how marriage can impact your credit...we have all the answers!

Joining me to help tackle your questions is Joanne Gaskin, the Vice President of Scores and Analytics at FICO. She is responsible for the strategic direction of FICO’s scoring products and business partnerships serving the needs of the mortgage industry and led the FICO Mortgage Recovery Initiative launched in 2009. Joanne has more than 20 years of experience in banking and financial services. She led efforts to address some of the most important topics impacting the mortgage market today: regulatory compliance, credit risk management, data security and e-mortgages. She is a graduate of the Mortgage School of Banking, earning the Accredited Mortgage Professional Designation.

More about FICO: Founded in 1956, FICO is a data analytics company based in San Jose, California focused on credit scoring services. Its FICO Score, a measure of consumer credit risk, has become a fixture of consumer lending in the United States and is used in more than 90% of lending decisions today.

Now more than ever, FICO believes in empowering communities by way of financial education and is committed to providing consumers with tools to maintain their financial health.

Check your score: You can check your FICO Score via www.myfico.com, or www.experian.com, www.equifax.com. Additionally, many financial institutions provide consumers with free access to their FICO Score through the FICO Score Open Access program.

Check your free credit report: www.annualcreditreport.com

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1090: Financial Empowerment for Women of Color with Bola Sokunbi Sep 02, 2020

(A replay)

For many women, especially women of color, access to financial education isn’t as readily available. But our guest today is trying to change that once and for all. Today we’re welcoming the founder of Clever Girl Finance, Bola Sokunbi. Bola received an early lesson in money when her father became ill and had to stop working unexpectedly. The problem with this was that he had used up all of his money to send her three brothers to college and didn’t have any money left over for Bola to further her education.

Luckily, it was her mother, who began as a home maker, who told her that she would pay for Bola’s schooling from the money that she’d set aside from her side hustles and entrepreneurial pursuits over the years. Because of her mother’s hard work, Bola was able to leave Nigeria, get an education and go on to found her own business, empowering women to be financially savvy.

Her company, Clever Girl Finance has helped thousands of women, over the years, receive coaching and financial education they need to advance their lives. Bola is also the author of the fourth coming book, Clever Girl Finance: Ditch Debt, Save Money and Build Real Wealth. It will be available on June 25th.

Learn more about Bola at www.CleverGirlFinance.com and follow her on Instagram @clevergirlfinance

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1089: Three Biggest Questions for Planning Your Financial Life with George Kinder Aug 31, 2020

Can asking just three questions transform your relationship with money? Our guest today is called the father of financial life planning. George Kinder is a Harvard educated economist turned CPA, turned financial adviser. He’s known for revolutionizing financial advice for now 30 years. He’s trained over 3,000 professionals around the world in the field of financial life planning where he has three questions to help clients figure out what they value most and how to design their financial life around their values.

He’s the founder of the Kinder Institute of Life Planning and his recent book is called A Golden Civilization and the Map of Mindfulness, drawing on 50 years as of mindfulness practitioner and over 30 years as a mindfulness teacher.

George has been named one of the 35 most influential people in financial services.

George’s website: www.georgekinder.com

His company website: www.kinderinstitute.com

Book and Movement website: www.AGoldenCivilization.com

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1088: Ask Farnoosh: How Can I Double My Net Worth in 8 Years? Aug 28, 2020

This week on Ask Farnoosh, listeners ask about how to accelerate net worth in the few, critical years before retirement, as well as how to ask for a raise if you work in a government job. Plus: pensions and investing in the stock market. Is it a 'good' time to be investing? CFP and founder of Modernist Financial, Georgia Lee Hussey joins the show as co-host.

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1087: The Financial Triumphs of an Undocumented Immigrant Aug 26, 2020

(Replay from August 26, 2019) Daniela Pierre-Bravo has a lengthy roster of accomplishments: She is a booking producer for MSNBC’s Morning Joe and recently co-authored a book with Mika Brzezinski, providing straight-talking advice for millennial women in the workforce, entitled Earn It!

But none of these opportunities were handed to her. Moving to the U.S. from Chile when she was a teenager, she found out she was an undocumented resident when applying for college...and, as a result, was unable to work, drive, or receive financial assistance for school.

How she persevered is a story of grit, determination and optimism.

Daniela became a Dream Act student and took the opportunity to side-hustle her way through school to graduate on-time and debt-free. That drive continued as she entered the workforce.

Follow Daniela on twitter @dpierrebravo and on the Know Your Value website: https://www.nbcnews.com/knowyourvalue

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1086: The Budget Mom on How to Erase $80,000 of Debt in Eight Months Aug 24, 2020

If you’ve ever felt like budgeting just doesn’t work for you, my guest Kumiko Love can relate. Frustrated by traditional budgeting methods, she created her own technique to pay off almost $80,000 of debt in eight months. And this technique helped launch her business, The Budget Mom.

A few years ago Kumiko was struggling to pay down her debt. As a single mom, she knew that she needed to get out of the cycle of making minimum debt payments each month, but she had tried and failed to stick to a budget numerous times. So, she created a method that she could actually stick to. She calls this her Budget by Paycheck method and as she was using it to get out of debt, she started a blog to share her journey. That blog has now turned into a business that just launched its first physical product, the Budget by Paycheck Workbook™.

You can learn more about Kumiko on her website https://www.thebudgetmom.com/ and you can follow her on Instagram @thebudgetmom on Facebook @thebudgetmom

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1085: Ask Farnoosh: Is it OK to spend money right now? Aug 21, 2020

In this week's Ask Farnoosh, a discussion on the best places to store cash in a recession, collecting unemployment while on the Paycheck Protection Program (how does that work?) and a recap of Farnoosh's latest Bloomberg Opinion piece on why it's OK to spend money right now (with caveats.)

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1084: Mastering Video Basics for Your Business and Career with Producer Kristian Golick Aug 19, 2020

How to leverage video in today's world to grow your business, brand or career? How to stand out from the crowd and create compelling video on a budget? Kristian is a professional video content producer that teaches entrepreneurs how to incorporate video into their business and everyday life. He believes video is still an underused tool that can help businesses thrive (even in a pandemic). He started his career in TV commercial advertising. Soon after, he started his own business as a wedding videographer. After devoting years to the wedding industry, Kristian realized that his skills and business mindset could better serve the entrepreneurial market. His current projects include online course creation for clients and online consulting for people wanting to learn how to incorporate video into their business.

Connect with Kristian https://www.linkedin.com/in/kristiangolick/

Instagram: @Kristiangolickfilms

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1083: Women, Work and the Financial Impact of the Pandemic with Lacy Garcia, Founder of Willow Aug 17, 2020

The pandemic has disproportionately impacted women in this country in terms of unemployment, stress and family care. Guest Lacy Garcia, founder of financial startup Willow, discusses the challenges and the long-term impact of the toll.

Willow’s mission is

Women face a unique set of challenges when it comes to navigating life events and transitions such as divorce, loss of a spouse, career changes, family planning and finances and retirement – particularly in the new reality we find ourselves today. Women have been disproportionately impacted by the coronavirus pandemic. Prior to the pandemic, the unemployment rate for women was lower than for men. Now, it is the opposite. Women are bearing more of the burden when it comes to childcare, homeschooling and taking care of aging parents. More women’s longer-term career prospects are at risk as they are having to either leave or remain out of the workforce for longer. It is no surprise that the financial stress combined with quarantine is pushing many marriages to a breaking point and an increase in divorces is expected.

Lacy Garcia is the daughter of a Cuban refugee who says her money mindset was shaped early on. She combined her work in education and financial services to launch the virtual fintech company Willow and financially empower women throughout their life journeys including divorce, retirement and more.

Learn more about Willow and Lacy Garcia at www.trustwillow.com.

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1082: Ask Farnoosh: Ignoring Student Loans, Benefits of a Cash-Out Refinance and Dealing with Credit Fraud Aug 14, 2020

How to invest in a rental property when you're in a different country? Should you just ignore your federal student loans while the automatic deferment is in place? Is there any benefit to paying them down? And what about cash-out refis? Are they worth it? Farnoosh addresses the latest money questions from the So Money mailbag.

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1081: Organizing Important Documents in a Pandemic Recession with Lisa Woodruff, Author of The Paper Solution Aug 12, 2020

America is drowning in paper. If you stacked all the paper the average family uses in just one year, the piles would be as tall as a two-story house. And 43% of Americans categorize themselves as “disorganized.” Lisa Woodruff to the rescue. She is an organizational expert and author of THE PAPER SOLUTION: What to Shred, What to Save, and How to Stop It From Taking Over Your Life. Now more than ever, with the pandemic upon us, the need to have our paperwork organized is paramount. Lisa offers advice and free resources to help us all improve our relationship with paper. Check out www.organize365.com for Lisa's free emergency medical printables.

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1080: Defying Odds with Tech Entrepreneur Myoshia Boykin-Anderson Aug 10, 2020

Myoshia Boykin-Anderson has had an incredible journey that led her to found her company AndTech Solutions in 2009. As a mother with no savings and no college degree, she was laid off from her corporate job and vowed to never put herself in that position again. Myoshia launched AndTech and it has grown into a seven-figure consulting firm providing custom application development and other technology services to some of the top organizations in the country. In our conversation, we discuss how, as a double minority, she overcame barriers to starting a thriving business in the field of tech, the inspiration born out of being a young, single mother and memories of her childhood classmate in Houston, Texas, George Floyd.

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1079: Ask Farnoosh: How to Recover from Bankruptcy? Aug 07, 2020

In this week's Ask Farnoosh, CFP and founder of FIT Advisors, Anjali Jariwala joins to answer listeners' questions about bankruptcy, paying off debt, saving for a home and creating a financial plan.

More about Anjali: She is the founder of FIT Advisors - a financial planning firm serving physicians and business owners virtually across the US. Prior to launching her own firm, Anjali spent over 6 years years working with Fortune 500 clients at a top 4 accounting firm, PricewaterhouseCoopers, and 2 years with a large, prestigious financial planning firm serving high net worth individuals. During her career, she would often share financial advice with family and friends, but began to realize that not only did most of them lack access to the best personal finance information, but also their busy family lives meant they just didn’t have the time to pull it all together on their own. So, she decided she could make a bigger impact by starting her own firm. Anjali utilizes her expertise in tax and finance to empower her clients to discover and reach their life goals while building a stable financial future.

Anjali hosts Money Checkup podcast - a semi-monthly checkup that discusses the many facets of financial well-being. She was named one of Investment News Top 40 under 40 for 2019 and named one of Financial Advisor magazine’s Young Advisors To Watch for 2020. Anjali has been featured in Blomberg, US News and World Report, New York Times, USA Today, Business Insider, Investment News and more. Learn more about www.FitAdvisors.com

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1078: BiggerPockets Money Co-Hosts Mindy Jensen and Scott Trench on Recession Economics, Real Estate Investing and Early Retirement Aug 05, 2020

What is the deal with the stock market? How is the current recession different than the one from 2008/2009? How to think about real estate and your portfolio now? We are in conversation with the co-hosts of the BiggerPockets Money podcast, Scott Trench and Mindy Jensen. They're here to share their perspectives and best advice on how to navigate the economy now.

Scott Trench is the CEO and President of BiggerPockets.com. Scott has dedicated his career to helping ordinary Americans build wealth in part through real estate investing. Since joining BiggerPockets in 2014, Scott has authored the wealth building book Set for Life and joined Mindy Jensen as a host of the BiggerPockets Money Podcast . He stays active in the BiggerPockets forums and contributed hundreds of articles, market analyses, and files to BiggerPockets. He has also contributed to other personal finance blogs, along with traditional news outlets including Time, CNBC, and NBC.

Mindy Jensen has been the Community Manager for BiggerPockets.com for the last five years, helping less experienced folks learn how to invest in real estate the RIGHT way. She has spent the last 22 years live-in flipping houses, moving into very unattractive homes and making them beautiful - all while paying $0 in capital gains taxes because these homes are her primary residence.

Mindy joins Scott Trench every Monday morning on the BiggerPockets Money Podcast to share the money stories of their guests. Mindy truly believes financial freedom is available for anyone. Mindy studied Fashion Design, the stupidest major ever.

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1077: The Case for Spending All Your Money Before You Die with Bill Perkins, Author of Die with Zero Aug 03, 2020

In his new book, Die with Zero, Bill Perkins challenges the notion of passing down your wealth. In fact during a health screening, his doctor asked in the evaluation about financial stress: “Do you have fears of running out of money?” Bill said, “I hope I run out of money!”

We discuss the merits of spending more money in your living years, how to calculate getting to "enough" net worth and how to balance taking care of children and dependents with the notion of dying with zero.

Bill is the CEO of BrisaMax Holdings. After training on Wall Street, he made his fortune in Houston as an energy trader. He has been Reuters, Financial Times, TIME magazine, Cigar Aficionado, BusinessInsider, and appears frequently on CNBC.

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1076: Ask Farnoosh: Should I Use Student Loans to Invest in the Market? Jul 31, 2020

Delyanne The Money Coach Barros joins Farnoosh to answer the latest money questions from the audience. Questions include: Is it wise to use student loans to invest in the market? Why is one of my credit scores so different from the rest? Should I help my boyfriend with his credit card debt? How to become a professional investor without a college degree?

Sticking with this week’s lineup of FIRE members who are bringing a fresh voice and face to the space, Farnoosh’s co-host today is Delyanne Barros who is new to the FIRE movement... A lawyer by day and founder of Delyanne the Money Coach a popular Instagram and TicTok feed. You can find her at MasterMyFire.com. Delyanne is Brazilian and the first in her family to accomplish many milestones including attending college, becoming an employment attorney, and conquering New York City.

After living in NYC for 14 years, the mecca of the financial industry, Delyanne realized that her financial knowledge was limited to the outdated advice of her parents. Once she discovered the F.I.R.E. movement, she set on a path to retire from the traditional 9-5 grind at 45 years old. However, Delyanne quickly realized that the financial space was lacking the voices of people she could relate to, especially women and Latinas.

That’s when she decided to become that voice and launch Delyanne The Money Coach where she provides coaching and education in a fun and relatable way. Delyanne is on a mission to educate and guide new investors to a life that is debt-free, abundant, and financially independent.

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1075: F.I.R.E. Movement Feature: Our Rich Journey’s Amon and Christina Browning Jul 29, 2020

We continue to take a closer look and have deeper conversations with some of the minority faces of the FIRE movement.

On Monday we spoke with Paula Pant, a Nepalese-American woman and founder of the Afford Anything blog and podcast.

Today, we’re in talks with married couple Amon and Christina Browning, founders of Our Rich Journey, a popular blog and YouTube channel: At the age of 39 and 41, Amon and Christina achieved financial independence and retired early (FIRE). They quit their federal government jobs, retired, and moved to Portugal with their two daughters (ages 11 and 12). On their FIRE journey, they lived and worked in California, Spain, and Japan while saving more than 70% of their income; they discovered “house hacks” to live rent and mortgage free for more than ten years; they learned to travel-hack free luxury vacations for their family all over the world.

Their YouTube channel (“Our Rich Journey”) documents the unique ways they save, make, and invest money - the FIRE way. In just over two years of starting their YouTube channel, their channel garnered more than 280,000 YouTube subscribers and over 13 million video views. Their FIRE story has been featured in numerous media outlets including Good Morning America, the UK's Daily Mail, and Parade Magazine.

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1074: F.I.R.E. Movement Feature: Paula Pant, Founder of Afford Anything Jul 27, 2020

This week I’m chatting with a number of people who identify as members of the FIRE movement, which stands for Financial Independence Retire EarlY. The mission is to intensely save and invest —over half your income—so you can retire sometime by 40 or sooner. The movement is often associated with white men who have high earning careers in software engineering or finance. And as a result the FIRE saving and investing advice and pursuit of FIRE can be inapplicable to many.. So this week we’re speaking to the minority members of the FIRE group that are making the movement more diverse, more inclusive and more relevant.

Today we’re speaking with Paula Pant, a prominent leader of the Financial Independence Retire Early movement and an enthusiastic investor with a soft spot for spreadsheets. She is the Founder of Afford Anything, a personal finance and financial independence website and host of the award-winning Afford Anything podcast.

Paula’s core belief that “you can afford anything, but not everything” is the backbone of Afford Anything. Through expert interviews and bi-weekly “Ask Paula” episodes, listeners learn to think critically about how they spend limited resources like time, money, and energy.

Paula survived Covid 19 earlier this spring so our conversation starts there…and we dive into her financial belief systems in this unusual time…have they changed?

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1073: Ask Farnoosh: Should I Buy a Home with My Partner? We're Not Married. Jul 24, 2020

Is it too risky to buy a home with someone you're not married to? What are some ways to protect yourself if you choose to be a co-borrower on the mortgage? In this week's Ask Farnoosh, host Farnoosh Torabi also addresses questions related to career pivots and how to transition to being a financial planner, as well as the best way to pay off high interest credit card debt. Does doing a balance-transfer make sense?

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1072: Pivoting to a Web-Only Business in the Pandemic with Sarah Farzam, Founder of Bilingual Birdies Jul 22, 2020

Learn how one small business is transitioning to an all digital-only experience for its kid clientele and expanding its work force and creating job opportunities for more individuals at the same time. Sarah Fazam, founder of Bilingual Birdies, began the business over 12 years ago to encourage cross-cultural awareness through foreign language and live music curriculum. The programs teach Spanish, French, Mandarin, and English (ESL) through live music, movement, dance, puppetry, and theatre-based games. Sarah is of Mexican and Iranian descent. Her parents met in an ESL program, and as she says, "language is a part of my legacy." For more, check out www.bilingualbirdies.com

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1071: How to Live on the Smallest Budget with Jully-Alma Taveras, Founder of Investing Latina Jul 20, 2020

What is the LEAST amount of money you could spend each month, while staying current with bills and other financial responsibilities? Guest Jully-Alma Taveras is the founder of Investing Latina on Instagram and YouTube, an online community for financially powerful women. She is also a Contributor to Next Advisor where she's provided a strategy for how to live on the smallest budget possible. She, herself, has calculated she can live on less than $600 a month. How? You'll have to listen!

More about Jully: She is a writer and producer and you can find her on Youtube where she creates videos to educate women about personal finances, investing, and entrepreneurship.

Check out Jully's work;

Youtube: https://www.youtube.com/investinglatina

Instagram: https://www.instagram.com/investinglatina/

Twitter: https://twitter.com/investinglatina

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1070: Ask Farnoosh: Making More Money and Investing in Dividend Stocks and SRI Jul 17, 2020

A teacher asks how she can make more money and another listener wants to know how to begin investing in Socially Responsible Investments, Plus: dividend investing and how to incorporate Black Lives Matter in our personal finance choices. Farnoosh has answers!

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1069: Monetizing Your Skills and Life Post-Layoff with Stacia Crawford, Journalist and Entrepreneur Jul 15, 2020

On today's show with guest Stacia Crawford, we're discussing life after a layoff, monetizing your skills, as well as the behind-the-scenes of producing for one of the country's top television stations.

Stacia is an award-winning journalist with more than 3 decades of experience in the broadcasting industry, including 25 years as a TV producer in Chicago. Her vast experience as a television news producer has positioned her to be a skilled communications specialist, media trainer, and PR strategist. As a news producer, she understands what editors, producers and bookers want, and she knows what it takes to deliver.

Stacia provides customized training to help clients better understand the media and deliver clear, concise key messages and provide useful content. Stacia is also an expert at developing story angles, story pitches, and marketing those pitches to get them on the air and in print. Her network of long-standing relationships with the media and the business community offer a clear advantage for her clients. She is the creator of such programs as “Be Seen, Get Booked,” “Brand and Deliver,” and “ Lights, Camera, Access” in which she helps entrepreneurs, authors, and industry professionals harness the power of the media to increase their visibility, get more leads, and make more money.

Stacia also hosts the popular More Than a Soundbite Podcast in which she interviews top media professionals all over the country and delivers powerful strategies to help listeners get booked on TV, on radio, in publications and on podcasts.

Stacia is also a teacher at heart and serves as an adjunct professor at Columbia College in Chicago where she teaches writing and reporting for TV news. This Baltimore native earned her Bachelor of Arts in Communications from University of Pennsylvania in Philadelphia.

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1068: Dealing with Childhood Financial Trauma with Author Leisa Peterson Jul 13, 2020

Establishing a healthier mindset and management around money requires reconciling with the past, and facing any potential childhood money trauma head on. Financial author Leisa Peterson, author of The Mindful Millionaire, opens up about her early years, depicted as “white trash” and the learnings and (un) learnings that helped her heal and grow her wealth.

Says Leisa, “Somehow I found a way to break free of thinking of myself as white trash which is how people thought of our family in our neighborhood. Some kids told me they couldn't play with me because their parents didn't feel like my family was safe. It went deep and was classism at its worst. I'm still breaking through the shame of what I felt when I was young.”

Blog: www.wealthclinic.com

Podcasts: Art of Abundance on iTunes and Mindful Millionaire

Book: The Mindful Millionaire (click to access book trailer) is available for pre-order on Amazon, B&N and IndieBound

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1067: Ask Farnoosh: Where to Save for a Goal 10 Years Away? Jul 10, 2020

On this week’s Ask Farnoosh, a listener asks about intermediate savings and the best place to either save or i vest that money. Also: consolidating your student loan with your spouse’s loan. Good idea?

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1066: How to Land a Great Job in a Pandemic and Recession with Expert Lauren McGoodwin Jul 08, 2020

How to find meaningful work right now? How to be a true Ally in the workplace and how to reframe your career ambitions in the near future? We're talking managing your career in a pandemic and recession with Lauren McGoodwin, founder of the Career Contessa and author of the new book POWER MOVES: How Women Can Pivot, Reboot, and Build a Career of Purpose.

Lauren's book is a much-needed handbook filled with practical information, advice, and essential tools (including helpful graphics), to guide women toward building successful careers on their own terms. It is an essential career resource for anyone feeling stuck or unfulfilled, and it will give every woman the courage to know themselves, where they are and where they want to be.

For more on Lauren McGoodwin, visit her at https://www.careercontessa.com, and on Twitter, Facebook and Instagram at @CareerContessa.

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1065: New York Assemblymember Rodneyse Bichotte Jul 06, 2020

Rodneyse Bichotte is the first Haitian-American woman elected in New York City, representing Brooklyn as the Assemblymember and State Committee Woman / District Leader for New York State’s 42nd Assembly District. She represents Flatbush, East Flatbush, Midwood and Ditmas Park in Brooklyn.

We discuss how a life-changing accident at the age of ten led Rodneyse to a career in public service, key initiatives she is working to pass to better the lives of the most vulnerable in New York City, and her economic predictions for the future of the Big Apple.

Born and raised in Brooklyn, Rodneyse is the first Engineer elected to the New York State Legislature; and the first woman to chair the Brooklyn Democratic County Committee.

To learn more about Rodneyse and visit the Minority and Women-Owned Business Enterprises Center check out: https://assembly.state.ny.us/mem/Rodneyse-Bichotte

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1064: Ask Farnoosh: Best Credit Cards, HELOCs and Buying versus Renting Jul 03, 2020

In this episode of Ask Farnoosh, host Farnoosh Torabi and guest Georgia Lee Hussey, CFP and CEO of Modernist Financial, address recent questions posed by listeners. What are the best credit cards for big purchases? Should I take out a student loan or pay for school in cash? Should I tap my home equity line of credit to renovate my home? And much more. Plus, Farnoosh selects 3 iTunes reviewers to each receive a free 15-minute money session.

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1063: Adam Auriemma, Editor-in-Chief of NextAdvisor Jul 01, 2020

Joining me today is the new Editor-in-Chief of NextAdvisor, Adam Auriemma.

NextAdvisor is a brand new personal finance platform that just launched earlier this summer, in partnership with Time Magazine. I am a contributing editor for the platform and my first piece is about how we bought a house in the pandemic (all the behind-the-scenes!).

The site is full of timely and important content related to financial wellness and making smart money moves. One piece I really love is 50 Smart Money Moves You Can Make Right Now, which Adam authored after interviewing many experts including Suze Orman, Mel Robbins, and Erin Lowry, author of Broke Millennial.

Adam and I discuss:

How NextAdvisor's point of view is slightly different in the world of personal finance content.
How the platform is thinking about money in the context of race and class.
How Adam's personal views on money have shifted in the pandemic and recession.

More about Adam: He is a personal finance journalist and the former editor-in-chief of Money magazine. He has also been a deputy bureau chief at The Wall Street Journal, managing editor of The Daily Beast, and deputy editor of Fusion, a joint venture of Univision and ABC News. Teams working under Adam’s leadership have received the Gerald Loeb Award for Business and Financial Journalism, a National Association of Black Journalists Digital Media Commentary Award, and an Emmy nomination for Best Cultural/Topical Documentary.

Follow NextAdvisor on Instagram @NextAdvisor.

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1062: Black Wealth Matters: Tiffany Dufu, Author of Drop the Ball and Founder of The Cru Jun 29, 2020

In our final installment for Black Wealth Matters, we welcome Tiffany Dufu. She is founder and CEO of The Cru. Their algorithm matches circles of women who collaborate to meet their personal and professional goals. She’s also the author of the bestselling book Drop the Ball: Achieving More by Doing Less. According to foreword contributor Gloria Steinem, Drop the Ball is “important, path-breaking, intimate and brave.”

Tiffany and I discuss how she was able to raise $1 million for her startup when only .0006% of Black women receive tech venture funding. She also shares pivotal money memories from childhood....and also, what to make of the Girlboss movement and its recent criticisms for not being inclusive enough?

Named to Entrepreneur's 100 Powerful Women and Fast Company’s League of Extraordinary Women, Tiffany has raised nearly $20 million toward the cause of women and girls. She was a launch team member to Lean In and was Chief Leadership Officer to Levo, one of the fastest growing millennial professional networks. Prior to that, Tiffany served as President of The White House Project, as a Major Gifts Officer at Simmons University, and as Associate Director of Development at Seattle Girls’ School.

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1061: Black Wealth Matters: Yemi Rose, Founder of OfColor.com Jun 26, 2020

The newest guest in our #BlackWealthMatters series is entrepreneur Yemi Rose. He is the founder of OfColor, a digital financial wellness platform focused on providing content and banking tools built around how people of color save, spend, and build our legacies differently.

We discuss the role financial services has played and continues to play in widening the racial wealth gap.
Growing up in Jamaica and the differences of “being Black” there versus here in the United States.
Why we may want to rethink the expression “racial wealth gap.” Does it deserve a renaming?
How his startup OfColor will provide better access to financial tools and education to an underserved community.

Yemi has spent almost two decades at the intersection of financial services and communications/marketing focused on financial wellness, most recently as the Vice President of Financial Wellness Enterprise Initiatives with Prudential Financials’ Global Communications Group.

In this most recent role, he led the development of Prudential’s Financial Wellness Census research project, as well as “The Cut,” which focused on underserved consumers. He writes and speaks extensively on the racial wealth gap, and his writings on the subject have been published in Black Enterprise, The Root, Blavity, and Money.com.

After beginning his career as a Capital Markets Intelligence Associate for Thomson Financial, he served as an Investor Relations Director for several top-tier financial communications agencies, before moving to in-house roles. He has served as a senior executive at KPMG and BlackRock Inc., where he worked on helping them to maximize the value of their acquisitions and fintech ventures.

He holds both a bachelor's and a Master's degree from Cornell University. Yemi was born and raised in Jamaica, and now lives with his wife and two daughters in New Jersey.

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1060: Black Wealth Matters: "The Budgetnista" Tiffany Aliche Jun 24, 2020

Back by popular demand is Tiffany “The Budgetnista” Aliche. She shares her personal challenges with building wealth, all while building a multi-million dollar business. Also: Why she distanced herself from the FinCon events and her latest appearance on Queer Eye for the Straight Guy.

More about Tiffany: She is an award-winning teacher of financial education and is quickly becoming America’s favorite, personal financial educator. The Budgetnista is also an Amazon #1 bestselling author of The One Week Budget and the Live Richer Challenge series.

Through her company, The Budgetnista, Tiffany has created a financial movement that has helped over 1 million women worldwide collectively save more than $150 million, and pay off over $100 million in debt, purchase homes and transform the way they think about their finances.

Tiffany credits her experience as a preschool teacher for 10 years in Newark, NJ for defining her purpose behind The Budgetnista: education.

In 2019, Tiffany transformed her commitment into legislation when she partnered with Assemblywoman Angela V. McKnight to write a bill that was later signed into Law A1414 (The Budgetnista Law). This law made it mandatory for financial education to be integrated into all middle schools in New Jersey.

To learn more check out thebudgetnista.com and malimore.com

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1059: Black Wealth Matters: NBA Sports Agent Dominique Stapleton Jun 22, 2020

According to the National Bureau of Economic Research, 15.7% of NFL players have filed for bankruptcy within twelve years of retiring. A Sports Illustrated article reports that 78% of NFL players and 60% of NBA players face major financial challenges post retirement.

Dominique Stapleton is not only a sports agent, she is a financial educator to her clients who desperately need literacy and guidance. After working with athletes on their money for a few years Dominique wanted to offer her clients more. This year, she became a Certified NBA sports agent and vows to be the bridge between athlete success off and on the field.

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1058: Black Wealth Matters: Rachel Rodgers, Founder of HelloSeven.co Jun 19, 2020

We welcome entrepreneur Rachel Rodgers back to the show to talk about how business owners can go beyond the traditional lip service of "supporting" supporting Black Lives Matters and actually serving as Allies and practicing anti-racism within their companies.

Rachel is a woman of color, a mother of four and a seven-figure business owner — in that order. Rachel started her career working as a lawyer with nonprofits, federal judges and Hillary Clinton.

Rachel is founder of Million Dollar Badass, a high-level Mastermind for women looking to take their businesses from 6 to 7 figures. She firmly believes all women should desire to become millionaires – because of the profound impact a woman’s money can make on the world.

Learn more about Rachel at HelloSeven.co

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1057: Black Wealth Matters: His and Her Money Founders Talaat and Tai McNeely Jun 17, 2020

A new Northwestern University study based on data from the Federal Reserve estimates that on average for every dollar of accumulated wealth that white families have, many black families have just one cent. Our guests Talaat and Tai McNeely, founders of His and Her Money, are on a mission to help change that quotient.

The McNeely's are Financial Educators and co-authors of Money Talks: The Ultimate Couple's Guide To Communicating About Money. They are also the hosts of the top-rated podcast, "The His and Her Money Show" and creators of Power Couples University. Talaat and Tai McNeely (His and Her Money) have been featured in numerous publications such as Black Enterprise, FoxNews.com, MSN.com, Essence, and Business Insider.

We discuss:

How and why they paid off their mortgage in 25 years.
As parents, the conversations Talaat and Tai are having with their three kids regarding money and race.
And should personal finance get political? What does that even mean?

To learn more visit the following sites:

The McNeeley's Website - www.HisandHerMoney.com

Youtube - https://www.youtube.com/hisandhermoney

Community - www.PowerCouplesUniversity.com

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1056: Black Wealth Matters: Donovan Ramsey, Journalist and Author Jun 15, 2020

Today’s guest is my former editorial assistant and right hand guy, Donovan X Ramsey, who first appeared on the show in 2015. As a friend and accomplished journalist focusing on the topic of black identity, politics and patterns of power in America, I wanted to catch up with Donovan for my #BlackWealthMatters series.

Key takeaways from our interview:

How Donovan's upcoming book, When Crack Was King, chronicles the 1980's and 1990'se pidemic, its misperceptions and the way policing changed during those years.
Donovan's own experiences with racial discrimination in graduate school and beyond.
The truth about what publishing pays. Donovan and Farnoosh disclose their book advances.

More about Donovan: He is called "an indispensable voice on issues of racial identity, politics, and patterns of power in America," by American culture critic Rich Benjamin. Donovan's commentary on racial politics during the Obama era has been featured in The New York Times and his reporting and commentary on the criminal justice system have appeared in outlets including WSJ Magazine, The Atlantic, GQ, Gawker, BuzzFeed, Vice, and Ebony, among others.

Donovan served most recently as the commentary editor at The Marshall Project, a Pulitzer Prize-winning news organization dedicated to the U.S. criminal legal system. Before The Marshall Project, he worked as an editor and writer at a number of outlets including Complex, NewsOne, and NBC's theGrio.com.

Donovan holds a master's degree from the Columbia University Graduate School of Journalism and a bachelor’s degree in psychology from Morehouse College. He lives in Atlanta, Georgia, and is currently completing his first book, a history of the crack cocaine epidemic for One World—an imprint of Random House, a division of Penguin Random House, the world's largest trade book publisher.

You can learn about Donovan on his website www.donovanxramsey.com and follow him on Twitter @iDXR.

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1055: Black Wealth Matters: Stephanie Vaught, Founder of Social Money Finance Jun 12, 2020

Stephanie Vaught, J.D. is a Gen X Financial Coach and Founder of Social Money Finance, LLC. Her company specializes in teaching effective money management and helping people build a life they love.

Stephanie was born and raised in Detroit, MI. She attended Detroit Public Schools and received a B.A. from Michigan State University in 2000. In 2007, Stephanie graduated with a Juris Doctor and concentration in Litigation from Thomas M. Cooley Law School. She has spent most of her professional career in law and community advocacy.

In 2009, Stephanie developed a profound interest in personal finance – mostly based on the need to manage her own household and entrepreneurial endeavors. In 2015, Stephanie made a career shift and became a certified financial counselor. She began working with a financial nonprofit counseling and educating thousands of people across the country about financial literacy and helping them to reach their personal financial goals.

In 2018, Stephanie decided to take her financial knowledge coupled with her legal skills and experience back to a community of her peers and founded Social Money Finance, LLC. Her mission is to empower people to increase their financial literacy, challenge unproductive money habits, and improve their financial place for themselves and their family.

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1054: Black Wealth Matters: Queen Latifah Jun 10, 2020

Queen Latifah made her first big splash onto the music scene at age 19, with the release of her hit rap single “Ladies, First.” For the next three decades, the Newark, New Jersey native would go on to build a multi-faceted and dynamic career as a musician, actress, producer and philanthropist, blazing a trailfor other Black female artists.

I recently sat down with Queen during her press tour for The Queen Collective, her latest endeavor which provides opportunities for women of color in film to tell stories from their viewpoint. The mentoring and development program, in collaboration with Tribeca Studios and Procter and Gamble, selected two winners this year and their projects will premiere on BET Networks, Saturday, June 13th at 9:00 p.m. ET.

In our conversation, she shared some of the financial lessons experienced while growing up and building her business, as well as her ideas on how we can promote more equality in the workplace and close the racial wealth gap.

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1053: Black Wealth Matters: Dr. Nicole Garner Scott, Financial Expert and Entrepreneur Jun 08, 2020

Dr. Nicole Garner Scott is the Atlanta-based founder of Amount Financial Services. She is dedicated to creating financial breathing room for households of underrepresented communities. She has created wide-scale programs to empower others to change their financial trajectories, focused on legacy building and generational wealth.

Dr. Scott is a sought-after speaker and received an honorary doctorate for her work in business from the Obama Association.

Together we explore some of the historical barriers to wealth that have continued to be road blocks for people in the Black community, as well as how the financial expert community can be more sensitive and mindful when offering advice.

To learn more about Dr. Scott, please visit www.amountfinancial.com.

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1052: Black Wealth Matters: Minda Harts, Bestselling Author of The Memo Jun 05, 2020

Continuing our Black Wealth Matters series with Minda Harts, founder of The Memo LLC, a career development company for women of color, and author of The Memo: What Women of Color Need to Know to Secure a Seat at the Table. An Assistant Professor of Public Service of NYU’s Robert F. Wagner Graduate School of Public Service, she is also a sought-after speaker on the topic of workplace diversity and inclusion. She lives in New York City.

In The Memo, Minda provides a roadmap for women to not only navigate but change the system that they are working within. And she makes it clear that yes, the discrimination you are feeling, those microaggressions, they are real — and we need to acknowledge them so we can change our reality.

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1051: Black Wealth Matters: Myleik Teele, Founder and Chief Experience Officer of curlBOX Jun 03, 2020

Over the years many outstanding Black individuals who fought racism and oppression to achieve personal wealth and career success have graced my podcast. For the next 10 episodes - from today June 3rd through June 24 - I’ll be re-sharing and re-amplifying some of their voices and work, their stories of resilience, hard work and triumph. I’m calling this series BLACK WEALTH MATTERS.

I announced this on Instagram earlier in the week. It is my small way of contributing to this human rights issue of racial equality. It’s the quickest action I know to take that would hopefully have a meaningful impact...to get us to unlearn, re-evaluate and better understand what it means to be a Black person in this country while trying to establish personal wealth.

Thank you to everyone who responded to my announcement with guest recommendations for Black Wealth Matters. I’ve taken them all into account and keeping a folder and hoping to work my way to speaking to all of them - if not this month - in the coming months. Please keep the guest suggestions coming.

Today -- We are revisiting my conversation with Myleik Teele from 2015. Myleik is the Atlanta-based founder and chief experience officer of Curlbox, the first exclusive monthly subscription box for naturally curly hair.

curlBOX has major partnerships with brands and distributors including Procter & Gamble, Walmart, Target, and Shea Moisture, and more.

A teacher at heart, her wildly popular, #MyTaughtYou podcast has become her global classroom where women from all walks of life tune in for guidance and a healthy dose of motivation to live life on their own terms.

You just heard at the top of this show - a moment from our conversation - when she candidly opens up about her relationship with money. Even as a wealthy woman, she is, as she says, cautious with her money, perhaps overly cautious.

To learn more about Myleik visit: mytaughtyou.com

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1050: Stimulus Checks, Mortgage Forbearance and Rent Negotiation with Lauren Silbert of TheBalance.com Jun 01, 2020

From how to spend the stimulus check to mortgage forbearance and rent negotiations, Lauren Silbert, VP and General Manager of personal finance website TheBalance.com shares some of the top searches on the site - and answers to people's biggest money questions.

More about Lauren: She was named a “Corporate Champion” in Folio Magazine’s 2019 Top Women in Media Awards. She also appears in print, broadcast and streaming media as a personal finance and careers commentator and expert.

The Balance makes personal finance easy to understand. It is home to experts who provide clear, practical advice on managing your money. Whether you’re looking to invest, buy a home, save for retirement, or achieve another financial goal, The Balance will answer your questions with straightforward personal financial advice.

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1049: Ask Farnoosh: Your Home Buyer Checklist May 29, 2020

This week's Ask Farnoosh covers more real estate ground, as well as questions about investing for retirement. Farnoosh also shares her homebuyer checklist for anyone interested in purchasing a home this year.

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1048: Behind-the-Scenes of Real Estate with Million Dollar Listing's Tracy Tutor May 27, 2020

Sticking with the week's theme of real estate, Tracy Tutor, star of Million Dollar Listing Los Angeles, joins the show with details of the behind-the-scenes housing activity in the Los Angeles area. Tracy is a mother, entrepreneur and Real Estate agent with over 15 years of experience. She can currently be seen on the 12th season of Million Dollar Listing LA - the first and only female in the cast! In her new book, Fear is a Four-Letter Word, provides a go-to manual for women who struggle to convince people they're in charge. She shares intimate details from her early years struggling to break into the cut-throat industry and a recent success that helped seal a deal that nobody thought could be won.

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1047: ICYMI: All Things Real Estate with Ilyce Glink May 25, 2020

Real estate expert Ilyce Glink answers all of our top questions about buying and selling in the current market. How has the pandemic impacted housing prices and is now a good time to buy?

This episode originally aired on May 6, 2020.

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1046: Ask Farnoosh: Should I Change My Investments? May 22, 2020

This week Farnoosh welcomes back financial advisor and founder of Modernist Financial Georgia Lee Hussey to answer listeners' questions including: Should I change my investments? What's the right price for a pre-nup? Should I ask for a raise? How can I move up in my career right now?

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1045: Financial Survival in a Pandemic with Certified Financial Planner Tom Corley May 20, 2020

For many, 2020 will be characterized as the year of survival. Our guest Tom Corley, CFP, offers financial advice to help us keep head above water as we navigate all the uncertainties.

Tom Corley is CPA, CFP, holds a Master’s Degree in Taxation and is a bestselling/award-winning author. His books include: Rich Habits, Rich Kids, Change Your Habits Change Your Life, Rich Habits Poor Habits and Effort-Less Wealth - Smart Money Habits at Every Stage of Your Life. Tom has appeared on or in CBS Evening News, The Dave Ramsey Radio Show, CNN, MSN Money, USA Today, The Huffington Post, SUCCESS Magazine, Money Magazine, and many other media outlets and podcasts in the U.S. and 27 other countries. Tom is a frequent contributor to Business Insider and CNBC.

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1044: Navigating Grief with Sarah Nannen, Author of Grief Unveiled May 18, 2020

We are experiencing grief in all forms these days. Whether it's grieving the loss of a loved one, the loss of connection with others or the loss of a job and financial grief...Navigating a tremendous loss is one of the hardest things in life. My guest Sarah Nannen helps us find our way through and offers a new way of thinking about grief that may leave us far more hopeful and at peace.

Sarah Nannen is a transformation teacher and guide as well as an author, speaker and podcast host. She became a military widow and solo mother of four in 2014 when an aviation accident claimed her husband’s life. Her journey through grief informs her renegade work with those navigating painful life transitions who seek to live extraordinary lives. She’s devoted her career to teaching sustainable well-being and a new paradigm of deep, systemic integration of mind-body healing, with a specialization in grief and trauma support and recovery. Sarah is the founder and co-owner of Renkon Yoga Studio, a community-focused studio rooted in the power of human connection. Her expertise will be featured in two upcoming docu-series on the topics of trauma and conscious parenting; a collaborative production between Hay House, Well.org’s Urban Monk Productions and The Sacred Science, releasing in 2021. Sarah lives in central Illinois with her fiancé Brad, their four children and their rescue pit bull, Luna.

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1043: Ask Farnoosh: Should I Offer to Get Laid Off? May 15, 2020

Should I offer to voluntarily quit my job right now? Should I save more or invest? And what are some good personal finance resources for teens? Farnoosh addresses listeners top money questions.

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1042: Gaining Financial Confidence with Author Lydia Fenet May 13, 2020

LYDIA FENET knows how to drive a negotiation and ask for what she wants - something that may feel challenging to do right now. As Global Managing Director, Strategic Partnerships and Lead Benefit Auctioneer at Christie’s Auction House, Lydia has led auctions for more than six hundred organizations and raised over half a billion dollars for nonprofits globally.

She was named one of New York’s most influential women by Gotham magazine and has been featured in the New York Times, The Wall Street Journal, Forbes and Crain’s, and has appeared in Vogue, Harper’s Bazaar, Vanity Fair and Town & Country. She is the author fo the widely acclaimed book, ‘The Most Powerful Woman in the Room is You.'

Learn more about Lydia at LydiaFenet.com

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1041: The Future of College and Millennial Wealth with Scott Galloway, NYU Professor and Co-host of Pivot May 11, 2020

Exploring the future of college and millennials, as well as the trickle-down impact of the $2 trillion stimulus on corporations, individuals and the economy. What will the college experience look like and how much will it cost? What is the opportunity for Millennials right now, as they grapple with how to add value and become financially secure in the years to come?

Guest Scott Galloway is a Professor at the NYU Stern School of Business where he teaches brand strategy and digital marketing. He is also the co-host of Pivot, a podcast produced by Recode and Vox Media.

More about Scott: He was named “One of the World’s 50 Best Business School Professors” by Poets & Quants in 2012. He is the founder of Red Envelope, Prophet Brand Strategy, and L2 Inc., acquired by Gartner (NYSE: IT) in March 2017. Scott’s books The Four (Portfolio Penguin, 2017) and The Algebra of Happiness (Portfolio Penguin, 2019) debuted on The New York Times and Apple bestseller lists. Scott has served on boards of directors including The New York Times Company (NYSE: NYT), Urban Outfitters (Nasdaq: URBN), and UC Berkeley’s Haas School of Business. He received a B.A. from UCLA and an M.B.A. from UC Berkeley.

Follow Scott on Twitter @profgalloway

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1040: Ask Farnoosh: Getting Divorced in a Pandemic. Help! May 08, 2020

The latest questions from listeners include how to manage finances post-divorce (and during a pandemic), paying down student loans with varying interest rates and how to bring up the concept of a prenup to your partner. Plus, Farnoosh shares behind-the-scenes and insights into her latest experience buying a home and moving in these strange times.

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1039: All Your Real Estate Questions Answered with Ilyce Glink May 06, 2020

ok How will the pandemic impact real estate? Is now a smart time to buy? Sell? Rent? What housing trends might we see in the wake of Covid 19? Real estate guru Ilyce Glink joins Farnoosh to share insights and reports from the latest real estate activity around the country.

Ilyce is an award-winning, nationally-syndicated columnist, blogger, author, radio talk show host, TV reporter, and owner of Think Glink Media.

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1038: Fighting Limiting Money Beliefs (Especially Now) with Erika Gerdes May 04, 2020

Letting go of expectations - personal, professional and financial - is a great challenge for many of us right now. This podcast focuses on how to continue to create forward momentum for yourself, even as it may not feel like much is in our control right now. Guest Erika Gerdes is an authenticity advocate speaker, coach and writer. She is the designer of The Art of Undoing, which helps people undo their limiting beliefs and reactive patterns to unlock greater confidence, joy and impact.

Erika is a former global business executive at Google, where she worked for 12 years before leaving at the height of her career, as a single mom, to pursue her mission for helping people live into their full range and amplify their impact.

To download her free guide, visit erikagerdes.com/so-money

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1037: Ask Farnoosh: Should I buy a house? Should I pay off my fiancé's debt? Is it safe to rollover my 401(k) right now? May 01, 2020

Host Farnoosh Torabi addresses listeners' questions about home buying, managing money in a relationship and safely rolling over a 401(k) into an IRA. Plus, exciting news: So Money has been nominated for a 2020 Webby Award! You can vote here:

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