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    Business

    The Money with Katie Show – Morning Brew

    Finance bros are out, #RichGirls are in. Join Money with Katie and her guests for conversations about where the economic, cultural, and political meet the practical personal finance education that everyone needs. Listen weekly on Mondays and Wednesdays.

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    Copyright: © Morning Brew, 2024

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    Latest Episodes:
    Everything You’ve Ever Wanted to Know about Capitalism (But Were Too Afraid to Ask) Oct 23, 2024

    If you’ve ever found yourself feeling skeptical about capitalism (or the idea that its current iteration is the best and only economic system worthy of our attention), this episode is for you.

    My guest, Grace Blakeley, recently published a book called Vulture Capitalism in which she tees up what we fundamentally misunderstand about capitalism and knocks down the many half-truths that enable the status quo's most powerful narratives.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/capitalism.

    Money with Katie’s mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs.

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

    Optimizing Early Retirement for Couples on Different Timelines Oct 21, 2024

    "I'm going to retire early, but my husband isn't. How do we approach our separate finances in early retirement?" asks a listener who's still interested in taking advantage of financial independence tax loopholes.

    Reminder: We are not certified financial professionals, and this is not financial advice—please work with a CFP and CPA.

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/different-fi-timelines.

    Money with Katie’s mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs.

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

    Money Management 101: Building Automated Systems in Your Financial Life Oct 16, 2024

    For the first time ever, we're updating an episode we did back in 2022, all about money management systems. I’m detailing the two-track approach I recommend to hit your financial goals with minimal stress, because by taking advantage of the two big As—Automation and Amortization—you can put your financial life on the third A (Autopilot). (Sorry, I’ll stop.)

    I am not a licensed financial professional, so please do your own due dil.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/money-management.

    Money with Katie’s mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs.

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

    "I Want to Ask My Parents for My Inheritance Early" Oct 14, 2024

    One listener reached out to ask, "If I know I'm getting an inheritance, how can I ask my parents for it earlier? It'll go further now in my 30s than later." We address if that's the best move, considerations to keep in mind, and ways to thoughtfully position the ask.

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/early-inheritance.

    Money with Katie’s mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs.

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

    Index Funds for the Long Haul? Why Some Pros Are Nervous Oct 09, 2024

    We unquestioningly repeat the knowledge that index funds are the easiest way to “passively” build wealth. But what happens when too many investors go passive? Is this the most “benevolent bubble” in history? (Fair warning: That description is hyperbolic.) In this week’s solo expedition, I attempt to make sense of these claims—and what it would mean if they’re true.

    (I am not a licensed financial professional, I’m just a podcaster with internet access, so please do your own due dil.)

    Find a transcript—as well as the research and sources used to produce this episode—at:

    https://moneywithkatie.com/index-funds

    Money with Katie’s mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs.

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

    Are Bonds Actually...Hurting Our Portfolios? Oct 07, 2024

    Traditional retirement advice often suggests balancing stocks and bonds as you near retirement—but as two Rich Girls pointed out, bonds seemingly don’t have great returns. So are they still worthwhile? And if so, should you buy them? Plus, we respond to some critical feedback we received.

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/bonds.

    Money with Katie’s mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs.

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

    How We Make Working in America Better Sep 25, 2024

    If we’re talking about negotiating for higher income without talking about labor organizing, we’re outright ignoring one of the most powerful determinants of how people are paid.

    This week on the show, you’ll hear from two people: an anonymous 20-year veteran of publicly traded, multinational corporate human relations who believes the “at-will employment” structure in the US is the core of our systemic insecurity, as well as renowned labor journalist Hamilton Nolan, who advocates tirelessly for union density as the best way forward.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/unions.

    Money with Katie’s mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs.

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

    The One Term Every Prenup Should Include Sep 23, 2024

    Listener Andrea shared a story that inspired this week's RGR: "I can't stop thinking about how my mom got screwed in a divorce and now has no retirement savings—she was a stay-at-home parent, and my father got all the assets in the divorce." We explore how to quantify and understand unpaid labor in the household, what stay-at-home parents can do to protect themselves, and other perspectives around gender norms and cultural beliefs.

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/unpaid-labor.

    Money with Katie’s mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs.

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

    The Only 3 Money Metrics You Need to Know for Financial Freedom Sep 18, 2024

    I wanted to share the three numbers that I believe have the most impact on your life, so I invited Brad Barrett of the Choose FI podcast joins me to give his real-time reactions. But, more importantly, the real takeaway we landed on is that every conversation purportedly about money is actually about what it means to live a good life. This is not financial advice; please do your own due diligence.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/top-3.

    Money with Katie’s mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs.

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

    Emergency Fund, 401(k), Down Payment: Saving Too Much...or Not Enough? Sep 16, 2024

    One listener writes in, "I have my HYSA, my 401(k) plus employer match, a Roth IRA, and now am saving for a down payment. I'm worried I'm lopsided and over-saved for retirement." But is she actually saving too much? Hear Katie's hot take. (Reminder: We are not licensed financial professionals, and this is not financial advice. Please do your own due diligence.)

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/oversaving.

    Money with Katie’s mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs.

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

    A Hard Look at the Economic World Gen Z Inherited Sep 11, 2024

    We had JL Collins, the Godfather of Financial Independence, on the show earlier this year, and there was one question we seemed to disagree on: Are the dollars and cents of life actually harder today than they used to be, or does it just feel that way?

    This prompted a listener to ask for a deeper dive: The official Boomer vs. Zoomer cage match of economic strife to understand, all else held equal, how the financial worlds these generations grew up in are different (and, more intriguing, the striking ways in which they’ve never been more alike). Today’s episode is a then-and-now comparison into housing, education, wages, inflation, and investing—and I think it’s going to surprise you.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/gen-z-boomers.

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

    Is It Possible for Everyone to Retire Early? Sep 09, 2024

    The FI/RE movement has picked up a lot of steam in recent years, but as one listener asks, how does that impact consumerism—and more broadly, can everyone to retire early?

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/fire.

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

    The Messy Economic Truth that the "Birth Rate Panic" Reveals Aug 28, 2024

    Some of you recently shared articles about the so-called “birth rate panic,” pointing out that the intersection of economic policy with people’s decision to have children felt a little…off. So, I decided to dig into the coverage, some of the gaps I see, the cultural scapegoats, and of course, the bigger issue of treating our economy like a global MLM.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/birth-rates.

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

    Single People's Most Impactful Financial Choice (and Understanding the Dual Income Household's Edge) Aug 26, 2024

    Many of you have asked: “How the heck do I make it work on a single income? What can I possibly do?” We’ll look at the levers you can pull (one in particular) and the context of how we got to this point. Plus, we respond to some of the feedback we received from our recent life insurance episode.

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/single-income

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

    The Psychology of Overconsumption—and How to Shift Your Mindset for a Richer Life Aug 21, 2024

    Depending on the source, the average American buys between 1 and 1.3 new pieces of clothing every single week—and consumption is at an all-time high. So, why aren’t we tired of cheap shit yet and how can we better understand our psychological obsessions with spending? Well, we’re diving into it with sustainability expert and author of Consumed, Aja Barber.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/overconsumption.

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

    How to Build Wealth and Support Family (with Boundaries)—Especially When You're First-Gen Aug 19, 2024

    On this week’s special Rich Girl Roundtable with Berna Anat: Traditional financial advice isn’t “one size fits all,” and that’s especially true for first-gen Americans who face unique challenges around building wealth and supporting family. How are the rules different for this demographic, and how can we make conversations around money more inclusive?

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/first-gen-finances.

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

    The Predatory Life Insurance That's a Scam—and the One That's Legit Aug 14, 2024

    Life insurance is a notoriously scammy industry, made more confusing by the fact that there are legitimate forms of life insurance that aren’t a total waste of money. So which ones are legit, and which ones should you avoid?

    Reminder: I am not a certified financial professional and this is not financial advice; please do your own due diligence.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/life-insurance.

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

    How to Calculate if You've Already Saved Enough for Retirement—and If It's Time to Slow Down Aug 12, 2024

    It's possible you might already have enough saved up for retirement, thanks to the power of compounding—a phenomenon in the FIRE community known as Coast FI. We cover how to calculate that number, if it's a reliable safety net, and what else to keep in mind.

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/coast-fi.

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

    Dealing with Money Dysmorphia: When Perception Isn't Reality Jul 31, 2024

    A few weeks ago, I asked you all if the concept of "disordered financial behavior" resonated with you—and the response was overwhelming. And while a large faction of millennials and Gen Z deal with money dysmorphia—or as I'm inclined to call it, money disorientation—I'm not sure if the traditional blame on social media is the real cause. So how are we developing money dysmorphia, and how can we learn to deal with it?

    Transcripts, show notes, production credits, and resources can be found at: https://moneywithkatie.com/money-dysmorphia.

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

    How Much Should You Budget for Childcare? We Explore All the Options Jul 29, 2024

    In this week's Rich Girl Roundup, Katie and Henah answer the one prompt they often receive as two childless women: "Please run the numbers on childcare." Tune in to hear them run through the average budget and costs to set aside for various forms of childcare, as well as Katie's impassioned diatribe about the state of care work in the US.

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/childcare.

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

    The Unconventional Approach Some Millennials Are Taking to Buy a Home Jul 24, 2024

    Millennials are taking matters into their own hands with the dueling crises of housing unaffordability and loneliness…by buying houses together. Brilliant move or total mess? We’ve got the inside scoop on both outcomes.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/buying-home-with-friends.

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

    The Ultimate Formula for Determining Your Financial Priorities Jul 22, 2024

    In this week's Rich Girl Roundup, we answer the age-old question: Should I prioritize putting money towards X or Y? Rich Girl Natalie shares the choice she's grappling with: Pay off a mortgage faster or focus on saving for retirement? We walk through the calculations and considerations to ask yourself to make your money work hardest.

    Reminder: This is not financial advice; we are not licensed financial professionals. Please do your own due diligence.

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/priorities.

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

    Will You Be Replaced by Someone Cheaper? It's the Great Salary Reset Jul 17, 2024

    We got a “tip” back in March (all right, fine, it was Henah’s friend) that a major US employer with hundreds of billions of dollars in revenue might be quietly “resetting” their workforce’s wages.

    But upon further digging, we weren’t able to find much—so we asked all of you instead, and found an interesting trend unfolding quietly across industries. Check out this original Money with Katie ~investigation~.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/great-salary-reset.

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

    Is Credit to Blame for Our Financial Complacency? Jul 15, 2024

    In this week's Rich Girl Roundup, Rich Girl Carolynn responds to our most recent full episode on cognitive dissonance asking if access to large amounts of credit is inadvertently keeping everyone complacent, rather than fighting against wealth inequality. We dig into this potential response as well as other reasons Americans feel powerless in our economic circumstances today.

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/inequality.

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

    BONUS: TradWives, Pop Culture, and Feminism with Caro Burke Jul 10, 2024

    While we’re technically in a bye week, we’re releasing a bonus episode with an unreleased portion of my conversation from last week with Caroline Burke. We cover a lot of ground, but mostly, we discuss her thoughts on the tradwife phenomenon, pop culture, and consumerism’s influence on modern motherhood.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/tradwives.

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

    The Cognitive Dissonance of "Getting Rich" and Imagining a Better "American Dream" Jul 03, 2024

    I recently wrote an article reflecting on the fact that an awareness of the systems you exist within can empower you to make even savvier individual decisions for yourself. But sometimes, when you’re carving out a safe, secure, full life under capitalism, the thing that’s better for you makes things worse for others. So it leads me to this question: How do we have a good relationship with money in an uncertain world, and how do we stay true to our ethical code while taking care of ourselves and our futures?

    I wanted to invite two people I admire—feminist writer Caroline Burke and author, artist, and bookkeeper Paco de Leon—to talk about it more.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/cognitive-dissonance-wealth.

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

    Beauty, Botox, and Bleach: The Hot Girl Hamster Wheel in 2024 Jul 01, 2024

    For this week's Rich Girl Roundup: After a few Rich Gals wrote in looking for an update on our Hot Girl Hamster Wheel episode, we decided to sit down again and talk through how we’ve adapted our routines since seeing through the glossy, Sephora-sponsored matrix. How have we adjusted our own routines and spending over the last two years?

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/hot-girl-hamster-wheel-2024.

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

    Yes, You Might Be Saving *Too Much* for Retirement Jun 26, 2024

    You might be saving too much for retirement, if you aren't factoring in Social Security. But Social Security is the subject of a lot of pessimism, with many claiming "It'll run out by 2035!" The problem with this sentiment? It’s actually misleading.

    So what are the implications for your future, and more importantly, your financial independence number? We'll dive into the future of Social Security, how it works, and whether you’d be better off taking home those wages and investing them yourself—and you'll probably leave you feeling really good about your own progress.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/retirement-social-security.

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

    Will the Election Influence Your Finances? Our Attempted Nonpartisan Discussion to Figure It Out Jun 24, 2024

    For this week's Rich Girl Roundup, Rich Humans McKynna and Jake wanted to know: "Will the election impact our finances? How much does the president actually affect our money?" So we're attempting to talk it out in the most nonpartisan way possible, and digging into some of the listener feedback we received after our episode on private equity.

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/election.

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

    Why "Having It All" Is Possible—But Isn't Worth It Jun 19, 2024

    There’s an expectation on women that we should be constantly striving to “have it all.” But as the pandemic laid bare, “having it all” usually just means “doing it all,” and doing it all...just doesn't work.

    Samhita Mukhopadhyay, former Executive Editor of Teen Vogue and author of The Myth of Making It: A Workplace Reckoning, joins me this week for an honest conversation about where we go from here—and what type of reckoning our workplaces and family lives face as women respond to structures that no longer make (never made?) sense.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/having-it-all.

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

    Navigating Health Issues in the Workplace? Consider This Jun 17, 2024

    On this week's Rich Girl Roundup: If you're dealing with chronic illness or mental health issues, how do you strike the best balance between work and health? What kinds of flexibility or accommodations can you ask (and advocate) for?

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/health-work.

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

    Don't Break Up with Your Financial Advisor Without Listening to This Jun 05, 2024

    We’ve all been there, roped into working with our uncle’s best friend’s financial advisor who charges a 1.5% fee for some inscrutable but seemingly important service. What do you do when you think it might be time to sever ties? And how do you reconstruct your financial life after breaking up?

    Reminder: We are not licensed financial professionals; this is not financial advice. Please do your own due diligence.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/financial-advisor-breakup.

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

    Dating Money Red Flags, Power Moves, and Money Dates Jun 03, 2024

    On this week's Rich Girl Roundup: How do you navigate the world of dating as an aspiring Rich Person? When's the right time to bring it up? How do we make checking in about money "fun"?

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/dating

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

    If You’re Not in the Top 10%, the “Economy” in Headlines Isn’t Yours May 29, 2024

    You might be familiar with the phrase, "In this economy?" But it turns out, there might be more than one "economy" out there. There's a deep disconnect between what we hear about in the headlines ("The economy is great!") and our day-to-day experiences affected by wage stagnation, inflation, and high interest rates. We dig into it with the help of Mark Zandi, the chief economist at Moody's Analytics, as well as Judd Cramer, from the Harvard department of economics.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/economy-headlines.

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

    "I Need to Stop Comfort Spending—Help!" May 27, 2024

    On this week's Rich Girl Roundup: "How do I overcome comfort spending?" and "How can I control stress shopping online?" We dive into some tactical strategies to curb overspending, why it's so prevalent nowadays, and the deeper psychology behind the urge to spend.

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/impulse-spending.

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

    Life Coaches: Pyramid Scheme or Legitimate Investment? I Hired One to Find Out May 22, 2024

    The idea that there’s someone out there who can “help you fulfill your dreams” and “reach your highest potential” is an enticing promise—but do they really know how the “secret” to living your best life? Are life coaches a legitimate investment or a quasi-pyramid scheme?

    Well, I hired one to find out—and she’ll be joining me today along with Jane Marie of the popular podcast, The Dream.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/life-coaches.

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

    How "Buy My E-Book" Culture Targets Stay-at-Home Parents May 20, 2024

    On this week's Rich Girl Roundup: You can't go online these days without coming across an offer to "buy my e-book" promising "everything you need to know to get rich." Where does this particular manifestation of "get rich quick" culture come from, and why do we most often see it with stay-at-home parents?

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/ebook-culture

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

    The Uncomfortable Truth about Sustainable Investing May 08, 2024

    ESG (or “environmental, social, and governance”) investing has been one of the hottest financial trends in recent years. It promises something that sounds too good to be true: You can invest in a way that aligns with your moral compass, and you don’t have to sacrifice returns to do it. But…can you?

    We’re joined by Alex Edmans, a professor of finance at London Business School and expert in the field, to help us cut through the greenwashing.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/sustainable-investing.

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    How You Can Enjoy Today *and* Save for the Future May 06, 2024

    On this week's Rich Girl Roundup: How can you spend and save in a way that lets you maximize your daily experience and keeps you on track with your money goals? Katie and Henah chat through balancing both short-term and delayed gratification, how to optimize for your life dreams, and when extreme stints in saving or paying down debt are worth it.

    Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/living-today-future.

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    How Private Equity is Making Your Life More Expensive May 01, 2024

    If you feel like everything from your vet bills to your favorite grocery store chains are getting worse at the exact same moment they’re becoming more expensive, there might be a singular explanation: private equity.

    I dive in with guest Brendan Ballou, author of Plunder: Private Equity’s Plan to Pillage America and former special counsel for private equity in the Justice Department—baby's first federal investigation!

    Disclosure: Brendan Ballou’s views are his own, not the views of his employer.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/private-equity

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    Rich Girl Roundup: The Bachelorette Party Industrial Complex is Ruining My Life Apr 29, 2024

    Bachelorette parties have morphed into weekend-long celebrations, potentially costing upwards of several thousands dollars a pop. And when you’re in your 20s and 30s, you might find yourself heading to multiple bachelorettes and weddings a year—so what’s an aspiring #RichGirl to do? And how did it culturally become A Thing?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/bachelorette-parties.

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    A Year of Travel...and $17,000 in Tax Savings? Apr 24, 2024

    I’ve long entertained a logistically untenable fantasy of picking up and moving my life to Copenhagen for a season. Today, we explore what it takes to make a temporary or permanent international move.

    We have two guests, CPA Katelynn Minott of Bright!Tax as well as Chartered Wealth Manager Alex Ingrim of Chase Buchanan USA, who walk us through taxes, retirement accounts, cultural, and ethical considerations of living abroad.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/living-abroad

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    Rich Girl Roundup: “I’m Open About Money—But Now My Friends Hold It Against Me.” Apr 22, 2024

    Rich Girl BT wrote in saying, "We talk more money with friends—but once they know the salary, they'll hold it against you. For example, they'll say, 'You can afford $750 for two nights at my wedding.' But I don't want to spend that." So, how do we navigate these situations in an attempt to be more transparent about finances?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    *Instrumental theme credit from Justin Canton.

    Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence.

    Transcript, show resources, additional production credits, and more can be found at: https://moneywithkatie.com/money-conversations-friends.

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    The Black Market Turning "Stealth Wealth" & "Quiet Luxury" Upside Down Apr 10, 2024

    The world of status symbols and all their various manifestations (“quiet luxury,” “stealth wealth,” and even conspicuous dressing down as a backhanded sign of prestige) has operated in a more or less predictable way over the course of history—until now.

    Amy X. Wang, whose reporting for the New York Timesuncovered a replica black market that’s exploded in popularity in recent years, joins me to discuss.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/luxury-black-market.

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    Rich Girl Roundup: What You Should Know About Tax Drag (and a Wild Money Story) Apr 08, 2024

    “Tax drag” can hold your money back from reaching its fullest potential—what is it, how does it work, and what do the outcomes look like? Plus, we share a wild money story involving $90,000 of debt. Have a money story of your own? Email us at moneywithkatie@morningbrew.com, and we’ll anonymously share it.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/tax-drag.

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    These Subtle Cultural Scripts Probably Shaped Your Money Habits Apr 03, 2024

    Writer Elise Loehnen (“On Our Best Behavior”) joined me to explore how our money stories make us spend, work, and live. Distinct cultural scripts shape our relationship with money, like “sloth” and “greed” or the idea that “a man should be a provider.” Even if you’re not consciously abiding by this societal shorthand, Elise says, it probably influences your attitudes.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/money-stories-culture.

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    Rich Girl Roundup: How to Financially Prepare for Children—Before You Have Them Apr 01, 2024

    We're always told how expensive children are once you have them—but how do you prepare for them financially before they're here? How should you adapt or shift your budget when it comes to doctor's visits, insurance policies, TTC tools, and more?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/cost-of-children

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    How to Best Invest in ETFs in 2024, with BlackRock's Chief Investment Officer of ETF and Index Investments Mar 27, 2024

    You know them, you love them, and you probably own them—but do you understand them? By “them,” I mean exchange-traded funds, or “ETFs.”

    We’re digging deep into these magical little devices (everything from fee structures, to diversification, to how “bond ETFs” might be a great replacement for your complex bond configurations). We’re joined by Samara Cohen, Chief Investment Officer of ETF and Index Investments at BlackRock—one of the largest providers of ETFs in the game—to see how she’s thinking about ETFs in 2024.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/investing-etfs

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    Rich Girl Roundup: Is It True That 401(K)s Will Be Dead in 10 Years? Mar 25, 2024

    A recent Bloomberg Opinion piece said, "Your 401(k) will be gone in a decade," sounding off alarm bells in the MWK community. Is it true, and if so, what does it really entail?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/401k-future.

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    The “Right” Amount of Lifestyle Creep (Plus, Revealing 5 Years of Mine) Mar 13, 2024

    If you've ever waded into personal finance content, you’re probably familiar with lifestyle creep. It gets a lot of airtime because it’s a natural financial experience: to spend more as you earn more. But because there's no positive equivalent about intentionally upgrading your lifestyle, all enhancements are cast through this "to-be-avoided-at-any-costs" lens.

    Fortunately for us, my evolution on the subject has been entombed for eternity on the internet. I dug through five years' worth of posts for this episode…and I share the equation that helped me determine "how much" creep is encouraged.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/lifestyle-creep-episode.

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    Rich Girl Roundup: Is the "30% on Housing" Rule Still Useful? Mar 11, 2024

    We've got some range for you today: Dissecting the recommendation to spend 30% on your housing (and if it's outdated), stories of folks receiving inheritances and homes from their parents, and a social experiment on gender and appearance.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/30-housing-rule.

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    Women in Pop Culture Saved the Economy—Why Are They Still the Punchline? Mar 06, 2024

    If the entire US economy were worth $1,000, a few of those dollars would be driven by music and movies. Of those few dollars, just three people (of whom one is imaginary) were at the helm in 2023, driving 30 cents of it on their own: Barbie, Beyoncé, and Taylor, who together generated around $10 billion in economic value last year.

    But despite this strong showing, women's media is still consistently belittled. Author, culture commentator, and host of the popular Be There in Five podcast, Kate Kennedy joins me to unpack the ways society often delegitimizes women's interests, how pop culture shapes actual culture, and the (financial) power of women's storytelling.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/womens-economic-power

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    Rich Girl Roundup: Should I Host a Money Intervention? Mar 04, 2024

    If your loved one keeps making bad money decisions, should you intervene? And if so, what’s the best way to approach it?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/money-intervention.

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    How Marriage Legally Changes Your Financial Rights Feb 28, 2024

    Most of our listeners probably know they should be involved in the ~marital finances.~ But very few people, it seems, understand how signing a marriage contract legally changes their financial rights (I know I didn't back when I got married!).

    Whether you’re single and considering marriage one day, already happily married, or experiencing divorce, this episode is a must-listen. Content warning: This episode includes stories of intimate partner violence as well as financial abuse.

    This is not financial or legal advice—please do your own due diligence, as laws vary by state.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/marriage-financial-rights.

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    Rich Girl Roundup: Is the 15-Year Mortgage Dead? (And Is It Even Worth Doing?) Feb 26, 2024

    Rich Guy Gavin asks, "Is the 15-year mortgage worth it?" Plus, given how few people can afford them nowadays, Katie and Henah chat through if the 15-year mortgage is dead. We run the numbers, the factors to consider, and some workarounds to make the 30-year mortgage more appealing.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/rgr-15-year-mortgage.

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    The Easiest Way to Build Wealth with JL Collins, the Godfather of Financial Independence Feb 14, 2024

    The Simple Path to Wealth by JL Collins is financial independence canon. The premise boils down to elegant simplicity: Spend 50% of your income and invest the other 50% in one specific index fund, VTSAX. We ask the Godfather of FI about it all—covering everything from his reliance on VTSAX and the American economy, to managing market crashes, to the debate over homeownership.

    Reminder: This is not financial advice; please talk to a certified financial professional and do your own due diligence.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/simple-path-to-wealth-jl-collins

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    Rich Girl Roundup: Do You Have Too Much Liquid Cash in Your Emergency Fund? Probably. Feb 12, 2024

    Rich Girl Liz H. wanted to know: "How do I know if I'm too 'liquid?'" Chances are, you probably do have too much in your emergency fund—Katie and Henah chat through mental blocks and reframes to consider, when you might want to save more, and what Katie personally keeps in her own accounts.

    Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/rgr-too-much-cash.

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    Why Poverty Persists in One of the Richest Countries in the World Feb 07, 2024

    Low-wage work is more prevalent in the US than any other high-income nation—and we've essentially seen 50 years of stasis in anti-poverty efforts. After reading four different books about why the US has such a difficult time minimizing poverty despite having relative abundance, we deep dive into the main issues that keep the poor in place. We also talk about ways to solve for poverty, like readdressing policy, improving allocations for spending, and more.

    Transcripts, show notes, production credits, and more can be found at https://moneywithkatie.com/poverty-in-the-us.

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    Rich Girl Roundup: What an Heiress Giving Away $27M Says About Generational Wealth & Inequality Feb 05, 2024

    An Austrian heiress made headlines when she announced she would let 50 strangers decide what to do with $27M USD of her inheritance. Katie and Henah discuss the potential impact of this kind of social experiment, how the lack of inheritance and estate taxes disproportionately support inequality, and why "generational stability" might be worth striving for more than "generational wealth."

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits and more can be found at: https://moneywithkatie.com/austrian-heiress-experiment

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    A Fraternity Crime Story: Power, Money, and a Multimillion-Dollar Scandal Jan 31, 2024

    The abuse of prescription drugs on college campuses has skyrocketed in the last 10 years—and by extension, so too has the intricate ecosystem of college-aged dealers and distribution networks. So today, we're covering a multimillion-dollar fraternity drug ring scandal at the College of Charleston with the investigative journalist, Max Marshall, who covered it in his book, Among the Bros. We talk about power, privilege, and the near-total lack of consequences in this story — and how it serves as a bit of an allegory for the real world.

    Need a primer on the various names involved in this story?

    • Mikey Schmidt, the main drug plug for the fraternity with connections to cartels in Atlanta, and the contact for the fraternity's distribution networks and runners
    • Rob Liljeberg, a former Eagle Scout who went on to become the president of the Kappa Alpha fraternity
    • Zach Kligman, also known as the "Charleston Kingpin," who would help traffic the drugs into Charleston
    • Patrick Moffly, a socialite, beloved party boy, and son of a big-time real estate developer and a Congressional candidate. Moffly helped create and sell the drugs sold through the fraternity.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/fraternity-drug-ring.

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    Rich Girl Roundtable (with a CPA): Business Writeoffs & Tax Hacks for the Fully & Partially Self-Employed Jan 29, 2024

    What can you write off from your side hustle? Should your business be an S Corp? What's the best retirement account for self-employed folks? We cover it all, once again with the help of CPA & CFP Tim Steffen of Baird Wealth.

    Reminder: This is not financial advice; please do your own due diligence with a licensed professional.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits and more can be found at https://moneywithkatie.com/business-writeoffs.

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    A Look at Katie’s New Show About Entrepreneurship, BOSSY Jan 24, 2024

    Tune in to this episode of BOSSY, the other podcast I host with entrepreneur Tara Reed, of Apps Without Code. This is a show we started at the end of 2023 to expand our surface area beyond just personal finance to entrepreneurship and career-focused conversations—you can hear new episodes every Thursday.

    This episode is our conversation about pivoting out of business slumps—aka, you've been trying something for awhile and it's just...not working. What do you do? What are your options? How do you get unstuck?

    Listen to BOSSY wherever you get your podcasts or on YouTube.

    Transcripts, show resources, production credits, and more can be found at: https://moneywithkatie.com/bossy-money-entrepreneurship.

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    Buying a House? Lower Interest Rates May Not Be the Answer in 2024 Jan 17, 2024

    I’m going out on a limb today to say: No, I don't think “high interest rates” are the problem in today’s housing market.

    The “high interest rate” might be a bit of a red herring. So today, we’ll talk about how the current situation stacks up to years past, the strange upsides of higher interest rates, and the decision to rent or buy in 2024.

    Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/rent-buy-2024

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    Rich Girl Roundtable (with a CPA): Tax Deductions, MFJ vs. MFS, & Credits if You DON'T Own a Business Jan 15, 2024

    Many of you wanted to know: What deductions can I look into to lower my tax burden if I’m not a business owner? We’re bringing back Tim Steffen, a CFA, CFP, and CPWA at Baird Wealth, for another Rich Girl Roundtable.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits and more can be found at https://moneywithkatie.com/tax-deductions-non-business.

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    It's Officially Negotiation Season—Here's What Works Jan 10, 2024

    The decision to negotiate even once creates an economic ripple effect in your life that researchers found means retirement up to eight years sooner.

    Start hair-spraying your combovers, people, because we’re talking about #TheArtOfTheDeal with this negotiation masterclass, featuring expert Kathryn Valentine of Worthmore Strategies.

    Transcripts, resources, production credits, and more can be found at: https://moneywithkatie.com/negotiation.

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    Rich Girl Roundup: Planning Group Travel Without Breaking the Bank Jan 08, 2024

    Trying to plan a group trip with friends who make wildly different incomes? We got you—here are Katie and Henah's best tips for balancing fun and financials.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits and more can be found at https://moneywithkatie.com/planning-group-travel.

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    How Do You Stack Up in #RichGirlNation?: What Our Community Makes, Saves, and Spends Jan 03, 2024

    Comparison is human nature, so trying to prevent yourself from noticing all the success portrayed in your feeds and social circles is an uphill battle. Instead, learning how to compare productively works with your nature, not against it. And where better to start than with #RichGirlNation? See what hundreds of you submitted about your incomes, budgets, and net worths—and what surprised us most.

    Transcripts, show notes, resources, and more can be found at: https://moneywithkatie.com/rich-girl-nation-stats.

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    Rich Girl Roundup: Is It Time to Move to a CPA? (Featuring a CPA!) Jan 01, 2024

    Dozens of you asked: Is it time to graduate from tax programs like TurboTax to a CPA? We bring in Tim Steffen, a CFP, CPA, and CPWA at Baird Wealth, for another Rich Girl Roundtable. We'll walk through whether you need a CPA or not, when to look for one, and what to know about fees.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits and more can be found at https://moneywithkatie.com/time-for-a-cpa.

    Reminder: This is not financial advice; please do your own due diligence.

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    The "Trickle-Down Economics" of One Year of Sobriety Dec 27, 2023

    In September 2022, I made the decision to quit drinking alcohol altogether. Now, I'm looking back at the last 15 months, the role alcohol plays in our GDP and personal finances, and all the unintended positive benefits I’ve stumbled upon since switching out my New Belgium Fat Tire for Athletic Brewing’s N/A IPA.

    Transcripts, show notes, resources, and more can be found at: https://moneywithkatie.com/reflection-one-year-sober.

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    Rich Girl Roundup: What Should I Do with My Bonus? Dec 25, 2023

    Rich Girl Elyssa asks, "What should I do with a year-end bonus?" Katie and Henah chat through the two buckets of bonuses: expected (as part of your total compensation) or unexpected (when you've gone above and beyond)—and how they'd handle each.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits and more can be found at https://moneywithkatie.com/rich-girl-roundup-what-to-do-bonus.

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    When It's Time to Work with a Financial Professional Dec 20, 2023

    When is it time to start working with a financial professional? Do you ever need to hire one? And, maybe more importantly, what are telltale signs of a good (or bad) one? This week’s episode breaks it down so you can make sense of the decision—featuring not one, but two financial pros who hold the esteemed CFP® certification: Shelby Ferstl and Eric Jones.

    🤑 Interested in working with a potential Money with Katie-aligned financial professional? Fill out this form here.

    Transcripts, show notes, resources, and more can be found at: https://moneywithkatie.com/when-its-time-to-work-with-a-financial-professional.

    —

    The information presented is solely for informational purposes. The information, statements, comments, views, and opinions expressed in this podcast do not constitute and should not be construed as an offer to buy or sell any securities or to make or consider any investment or course of action. The views or opinions expressed in the podcast are my views, or Shelby’s personal views, and do not reflect the opinions and beliefs of the podcast, its affiliates, my employer, or Shelby’s employer, or any other person.The podcast does not undertake any duty to publicly or otherwise update or revise any disseminated information.

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    Rich Girl Roundup: Are Roboadvisor Fees Worth It? Dec 18, 2023

    Rich Girl Sierra S. asks, "Is it worth paying a roboadvisor fee to get the benefits they offer, especially if you don't want to put the effort in?" Katie and Henah share a refresher on what roboadvisors are, what fees are worth it, and the benefits of using them.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits and more can be found at: https://moneywithkatie.com/rich-girl-roundup-roboadvisor-fees.

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    The Endless Chase: How to Define "Enough" in Your Financial Life Dec 13, 2023

    We all love trying to better ourselves, but sometimes that drive can come at the expense of contentment. Is it possible to be both ambitious and satisfied? After a certain point, the pursuit of additional financial resources is not about money at all, but what it might symbolize.

    This week’s episode is part-vulnerable exploration of my own hang-ups, part-manifesto for finding contentment in the midst of your ambition.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/how-to-define-enough.

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    Rich Girl Roundup: Our Best Travel Tips, Maximizing Points, & Early Bookings Dec 11, 2023

    There are so many benefits to booking travel in advance: psychologically, logistically, and financially. What's the best way to do so, and how can we book our travel to get the best bang for our buck?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits and more can be found at: https://moneywithkatie.com/rich-girl-roundup-travel-tips.

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    “High Earner, Not Rich Yet”: Must-Have Money Hacks for HENRYs and HENRIETTAs Dec 06, 2023

    Let's talk about the many hacks for HENRYs and HENRIETTAs to move from high incomes into high net worths. We'll go over some of the best tax-advantaged vehicles for high earners, alternative investment callouts, and hear from Chris Hutchins of All the Hacks (https://www.allthehacks.com/) on little-known hacks to leverage in order to supercharge your wealth.

    As a reminder, we are not licensed financial professionals and this is not financial advice. Please do your own due diligence.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/high-earner-not-rich-yet-henry-hacks.

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    Rich Girl Roundup: The Easiest Way to Roll Over Your 401(k) Dec 04, 2023

    As of May 2023, more than a trillion dollars worth of 401(k) assets were left behind by former employees. Here's how you can easily roll over your 401(k), why you should, and the rare instances where it might make sense to track it but leave it as is.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits and more can be found at: https://moneywithkatie.com/rich-girl-roundup-401k-rollover.

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    An Identity Theft Scam Stole Half My Net Worth—What I Learned & How to Prevent It Nov 29, 2023

    “Miss Gatti, are you traveling?” was the phrase that began one of the most stressful financial sagas of my life. Because as I'd come to learn, I’d become the victim of an elaborate “middleman” scam. Here's the play-by-play of what went down, and what I learned along the way. This week’s episode is a fun jolt of schadenfreude at my expense, so listen if you’d like to laugh while you learn.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/identity-theft-scam.

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    Rich Girl Roundup: 4 Easy Ways to Host Friends on a Budget Nov 27, 2023

    Rich Girl Jen W. asked: "How can I host friends on a budget?" Katie and Henah share their best tips on everything from the guest list and invites to decor and food planning—all while minimizing costs and maximizing the experience.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcript, show resources, production credits and more can be found at: https://moneywithkatie.com/rich-girl-roundup-easy-ways-host-on-budget.

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    Set Your 2024 Financial & Life Goals with Me Nov 22, 2023

    I'm not superstitious, but I am a little stitious—thanks to the goal-setting exercises we're doing in today's episode. I started doing this process in 2021, and so many of my past, hyper-specific visions have come freakishly true that it’s now a borderline sacred process to me.

    We’ll start with the big picture “alignment” questions, and then shift into the annual quantitative assessment I do for our financial picture. If you've been feeling stuck or cloudy in your life, this process might provide the clarity and direction you’ve been looking for.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/set-financial-life-goals-for-next-year.

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    Rich Girl Roundup: When to Avoid Using "Buy Now, Pay Later"—And When It Makes Sense Nov 20, 2023

    More than 50% of American adults surveyed by The Motley Fool used "Buy Now, Pay Later" in 2021 and 2022—it's a common short-term financing option to make bigger purchases. So when should you use it, and when is it worth avoiding?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcripts, show resources, production credits, and more can be found at https://moneywithkatie.com/rich-girl-roundup-buy-now-pay-later.

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    America’s Issues with Time Off, the 9-5, and the Future of Work Nov 15, 2023

    America has defaulted to the 40-hour workweek for nearly 90 years. But why do US employees work more than any other industrialized nation? Is it the #LoveOfTheGrind…or something else? And, could less work and more vacation allow for the same level of productivity?

    We're joined by economist Daniel Hamermesh from the National Bureau of Economic Research to analyze some theories as well as possible solutions for shifting our approach to work.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/america-time-off-vacations-9-5-future.

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    Rich Girl Roundup: Got a W-2 and 1099? Check Out These Tax Tricks Nov 13, 2023

    If you've got a W-2 job and earn 1099 income, there are some worthwhile opportunities to consider in order to lower your burden this #taxszn. Save your hard-earned dollars with these hacks.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: While we love diving into investing- and tax law-related data, we are not financial professionals. Please do your own due diligence.

    Transcripts, show resources, production credits, and more can be found at: https://moneywithkatie.com/rich-girl-roundup-debt-deep-dive.

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    A CFP Poked Holes in My Traditional vs. Roth Strategy—Does It Still Hold Up? Nov 08, 2023

    If you’re a regular listener, you probably know that we already did an “ultimate” Traditional vs. Roth 401(k) episode this year. “Katie,” you might be saying, “Do you mean to tell me that the ultimate strategy was…*gasp* wrong?”

    We put my strategy to the test with Eric Jones, CFP® with the Hook Jones Group at Baird Private Wealth Management, to find out.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/cfp-ultimate-traditional-vs-roth-strategy.

    —

    Reminder: We are not licensed financial professionals, and this is not financial advice. Please do your own due diligence.

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    Rich Girl Roundup: The Debt Deep-Dive—And How to Strategically Tackle Each Balance Nov 06, 2023

    Credit cards, lines of credit, student loans—debt is a normal part of life. How should we prioritize our debt(s), and what’s the best way to pay them off?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcripts, show resources, production credits, and more can be found at: https://moneywithkatie.com/rich-girl-roundup-debt-deep-dive.

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    Financial Freedom is Probably Closer Than You Think Nov 01, 2023

    When I first learned about personal finance, I was all about FI/RE (financial independence, retire early). But then came along financial freedom. But how are they different, and what has that nuance unlocked?

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/financial-freedom-closer-than-you-think.

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    Rich Girl Roundup: The Best Investing Hack for Kids Oct 30, 2023

    If you could supercharge your kid’s future with thousands of dollars, would you? We share one investing hack that can make that happen—the Custodial Roth IRA.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcripts, resources, production credits, and more can be found at https://moneywithkatie.com/rich-girl-roundup-investing-hack-kids.

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    How Underpaying Teachers Became The Norm—and How to Fix It Oct 25, 2023

    Join us for this investigative deep dive into the state of public educator salaries in the US. Does it pay to be a teacher? Or is there merit to the argument that teachers aren't underpaid? And how can we actually fix the issues of wage stagnation and prestige in education? We heard from more than half a dozen #RichGirlNation educators who shared the inside scoop on their own experiences.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/how-underpaying-teachers-became-the-norm-and-how-to-fix-it.

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    Rich Girl Roundup: Katie's Most-Recommended Personal Finance Books Oct 23, 2023

    If Katie could only recommend 3 books to the Rich Girl audience, which would she share? Katie and Henah talk through each of her top recs (as well as some honorable mentions) and how they've changed her approach to personal finance.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/rich-girl-roundup-katies-book-recommendations.

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    House-Hacking: The Best Path to Home Ownership? Oct 18, 2023

    Live for free! Okay, maybe not free—but house-hacking, or buying a property that you plan to live in and rent out for income, is a potential solution if you’re feeling financially stuck as an aspiring homeowner.

    We go way deeper on the subject than ever before, with help from David Greene of the BiggerPockets real estate podcast (https://www.biggerpockets.com/podcasts/real-estate). We cover: Who house-hacking is for (and maybe who it's not), whether to self-manage or outsource, and the paradox of appreciation vs. cash flow.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/house-hacking-the-best-path-to-homeownership.

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    Rich Girl Roundup: Behind the Scenes of MWK—Our Revenue, Creative Process, & More Oct 16, 2023

    What is Money with Katie behind the scenes really like? We compiled all your submitted questions from Instagram, and Katie and Henah share the inside scoop on everything from revenue and sponsorships, to how they pick and write episodes.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/rich-girl-roundup-behind-the-scenes-of-mwk.

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    The Resurgence of Sugar Baby Culture (and the Advice to “Marry Rich”) Oct 11, 2023

    “Sugar dating” is a resurgent phenomenon on social media right now, and rumors coming out of the dating app Tinder speculate that a new offering aims to compete with the preeminent sugar dating site, Seeking.com (formerly Seeking Arrangements). We’re diving into this world with the help of award-winning BBC investigative journalist Tiffany Sweeney.

    As a content warning, there are mentions of both sex and mental health throughout this episode.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/the-resurgence-of-sugar-baby-culture.

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    Rich Girl Roundtable: Money, Marriage, & Risks of Combined (and Separate) Finances (with a CFP!) Oct 09, 2023

    Should you combine all your finances upon marriage? Is there a case for keeping them apart? We brought in the expert, CFP and Certified Financial Therapist Bill Nelson (https://pacesetterplanning.com/), to share what he most commonly sees and why you might be better off combining.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/rich-girl-roundup-money-marriage-risks-of-combined-finances-and-separate.

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    How Kids Impact Financial Independence Oct 04, 2023

    Everyone says the first five years of your kid’s life will be the most expensive. But do things really get easier? Well, kind of. Financial expert and mother of two, Farnoosh Torabi (@farnooshtorabi), brought some practical advice to the show this week for people who know they want to be parents, but I think it also applies more broadly to setting yourself up to get what you want out of life.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/how-kids-impact-fi.

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    Rich Girl Roundup: Does Shopping at Small Businesses Really Matter? Oct 02, 2023

    Rich Girl Allyson T. asks, "What effect does shopping small businesses have on our wallets? What about the small business owner’s wallet? And how does that compare to us buying the same thing at Walmart or on Amazon?" Katie and Henah chat through the landscape of small businesses today, what the "gray area" is when it comes to corporations, and how we can make the most impact with our dollars.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Transcripts, resources, show credits, and more can be found at https://moneywithkatie.com/rich-girl-roundup-does-shopping-at-small-business-really-matter.

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    A Sabbatical Will Change Your Life—and Finances Sep 27, 2023

    Today, we’re making the personal and professional case for some extended time off. Who needs a sabbatical, and most importantly, how do you take one? We cover the logistics, finances, and psychology behind stepping away from work—along with three interviews: Jen Fisher, the Human Sustainability Leader from Deloitte, Progress Coach Jillian Johnsrud, and Rich Girl Rachael Levine (@trippingmillennial) who took a sabbatical of her own.

    Join the waitlist for a discount on the 2024 Wealth Planner: https://www.morningbrew.com/money-with-katie/subscribe/mwk-wealth-planner-2024

    Transcripts can be found at https://podcast.moneywithkatie.com

    —

    Follow Along at Money with Katie: https://moneywithkatie.com/

    Watch on YouTube: https://www.youtube.com/@MoneywithKatie


    Follow Money with Katie!

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

    - Twitter: https://twitter.com/moneywithkatie

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    —

    While I love diving into investing- and tax law-related data, I am not a financial professional. I have no formal financial education. I am not a financial advisor, portfolio manager, or accountant. This is not financial advice, investing advice, or tax advice. The information on this podcast is for informational and recreational purposes only. Investment products discussed (ETFs, index funds, etc.) are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns. Money with Katie, LLC.

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

    Rich Girl Roundup: How to Calculate Side Hustle Startup Costs Sep 25, 2023

    Rich Girl Meredith asks, "I’m interested in taking the plunge and starting a side hustle, but it seems like there are so many upfront costs. How much is reasonable to spend before I even know if I’ll make any money?" Katie and Henah consider the most important costs to invest in first, what can wait, and how to take a calculated bet on yourself.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.


    Join the waitlist for a discount on the 2024 Wealth Planner: https://www.morningbrew.com/money-with-katie/subscribe/mwk-wealth-planner-2024


    Reminder: While we love diving into investing- and tax law-related data, we are not financial professionals. We have no formal financial education. We are not financial advisors, portfolio managers, or accountants. This is not financial advice, investing advice, or tax advice. The information on this podcast is for informational and recreational purposes only. Investment products discussed (ETFs, index funds, etc.) are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns. Money with Katie, LLC.

    —

    Read Money with Katie: https://moneywithkatie.com/


    Follow Money with Katie!

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

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    Fresh Invest x Money with Katie: What to Know About Fixed-Income Investing Sep 22, 2023

    2023 has been a year of soaring prices and rising inflation rates. In tough markets like today’s, fixed-income maturities can help provide stability and growth. We review traditional income strategies—such as bonds, deferred fixed annuities, and CDs—as well as new innovations in the space, like fractional CDs.

    About Fresh Invest: From market shifts to emerging asset classes, Fresh Invest breaks down the current financial climate, what it means to you as an investor, and actionable steps you can take to manage your money and set yourself up for a solid financial future. Join Morning Brew co-founder and executive chairman Alex Lieberman on his weekly deep dive with Fidelity guests.

    Custom music by Davis Jones.

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

    Growing Your Wealth with a “Personal Financial System” Sep 20, 2023

    I recently read an r/personalfinance post about someone's financial position: "I have $5,000 in a 401(k), about $10,000 in my Robinhood, $15,000 in Chase, and $1,000 in stocks, and some cash. Am I on the right track?"

    While this mental model is logically reasonable (where you're physically putting the money vs. the vehicles themselves), it reminded me how powerful it can be to think about the structure of your finances accurately. I dive into a few tools, tactics, and lenses at which we can assess and optimize our financial ecosystem—and how we can supercharge our wealth for the long-term.

    Transcripts can be found at https://podcast.moneywithkatie.com

    While I love diving into investing- and tax law-related data, I am not a financial professional. I have no formal financial education. I am not a financial advisor, portfolio manager, or accountant. This is not financial advice, investing advice, or tax advice. The information on this podcast is for informational and recreational purposes only. Investment products discussed (ETFs, index funds, etc.) are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns. Money with Katie, LLC.

    —

    Mentioned in the Episode

    • Building a Spending Plan: https://podcast.moneywithkatie.com/everythings-an-investment-building-your-epic-spending-plan/
    • How to Set Up Money Management Systems: https://podcast.moneywithkatie.com/how-to-set-up-money-management-systems-for-short-term-long-term-goals/
    • I Invested in My First Startup: https://podcast.moneywithkatie.com/i-invested-in-my-first-startup-and-it-was-terrifying/
    • Investing Outside Your Retirement Accounts: https://podcast.moneywithkatie.com/investing-outside-your-retirement-accounts/
    • How to Build a Diversified Stock Portfolio: https://podcast.moneywithkatie.com/how-to-construct-a-diversified-stock-portfolio-of-major-index-funds/


    —

    Follow Along at Money with Katie: https://moneywithkatie.com/

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

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    Rich Girl Roundup: No Access to a 401(k)? Here's What to Do Sep 18, 2023

    Rich Girl Laura V. asks, "How would you recommend strategically investing for retirement if you don’t have access to an employer sponsored account or an HSA?" Katie and Henah walk through your other investment options along with some suggestions to help encourage employers to offer access to retirement plans.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: While we love diving into investing- and tax law-related data, we are not financial professionals. We have no formal financial education. We are not financial advisors, portfolio managers, or accountants. This is not financial advice, investing advice, or tax advice. The information on this podcast is for informational and recreational purposes only. Investment products discussed (ETFs, index funds, etc.) are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns. Money with Katie, LLC.

    —

    Mentioned in the Episode:

    • 401(k) contribution limits vs. the IRA contribution limits in 2023: https://www.irs.gov/newsroom/401k-limit-increases-to-22500-for-2023-ira-limit-rises-to-6500
    • The Solo 401(k) and SEP IRA: https://moneywithkatie.com/blog/tax-advantaged-retirement-investing-for-the-self-employed-sep-iras-and-solo-401ks
    • Gusto study on offering retirement benefits: https://gusto.com/company-news/one-secret-to-retaining-top-talent-offering-retirement-benefits
    • WTW survey on retirement benefits: https://www.wtwco.com/en-us/news/2022/04/health-and-retirement-benefits-jump-as-key-reasons-employees-join-or-stay-with-employer
    • State-mandated retirement plans: https://www.adp.com/resources/articles-and-insights/articles/s/state-mandated-retirement-plans.aspx

    —

    Read Money with Katie: https://moneywithkatie.com/


    Follow Money with Katie!

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    Fresh Invest x Money with Katie: Women’s Financial Wellness Sep 15, 2023

    Women and men can have very different lived experiences when it comes to money. We talk through what some of these differences are, discuss how they impact financial planning, and explore investing strategies that support women’s unique financial goals.

    About Fresh Invest: From market shifts to emerging asset classes, Fresh Invest breaks down the current financial climate, what it means to you as an investor, and actionable steps you can take to manage your money and set yourself up for a solid financial future. Join Morning Brew co-founder and executive chairman Alex Lieberman on his weekly deep dive with Fidelity guests.

    Custom music by Davis Jones.

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

    What Crypto's Failures Reveal About Money's Future Sep 13, 2023

    In 2021, high school boys on TikTok were pumping meme coins and discovering (then misapplying) the concept of exponential compounding. Today, with the benefit of hindsight, we can learn a lot about what crypto's rapid rise and fall might mean about money.

    Plus, we’re going down the rabbit hole of the competing theories about what money really is: Why do we all agree it has value? What happens if the government keeps making more of it, and is crypto the wrong solution for the right problem?

    Transcripts can be found at podcast.moneywithkatie.com

    While I love diving into investing- and tax law-related data, I am not a financial professional. I have no formal financial education. I am not a financial advisor, portfolio manager, or accountant. This is not financial advice, investing advice, or tax advice. The information on this podcast is for informational and recreational purposes only. Investment products discussed (ETFs, index funds, etc.) are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns. Money with Katie, LLC.

    —

    Mentioned in the Episode

    • The Future of Cryptocurrency, via The Economist: https://www.youtube.com/watch?v=5-rCKo4CBgM&ab_channel=TheEconomist
    • Narrative Economics by Robert Shiller: https://bookshop.org/a/90396/9780691210261
    • Mike Green of Simplify Asset Management: https://investresolve.com/podcasts/mike-green-the-fourth-turning-and-reimagining-the-american-dream/
    • Stephanie Kelton's TED Talk on the Big Myth of Government Deficits: https://www.youtube.com/watch?v=FATQ0Yf0Fhc

    —

    Follow Along at Money with Katie: https://moneywithkatie.com/

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    Rich Girl Roundup: We Regret Buying Our House—What Now? Sep 11, 2023

    After purchasing a home, listener Ryan says they now regret it and miss the cash cushion they used to have. What can they do now? Katie and Henah run through the various scenarios—and how universal the feeling of "buyer's remorse" can be, even with housing.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: While we love diving into investing- and tax law-related data, we are not financial professionals. We have no formal financial education. We are not financial advisors, portfolio managers, or accountants. This is not financial advice, investing advice, or tax advice. The information on this podcast is for informational and recreational purposes only. Investment products discussed (ETFs, index funds, etc.) are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns. Money with Katie, LLC.

    —

    Mentioned in the Episode:

    • The Right of Rescission: https://www.consumerfinance.gov/ask-cfpb/how-long-do-i-have-to-rescind-when-does-the-right-of-rescission-start-en-187
    • Anne Helen Petersen's How Your House Makes You Miserable: https://annehelen.substack.com/p/how-your-house-makes-you-miserable
    • How Rent vs. Buy Shifted in 2023: https://podcast.moneywithkatie.com/how-rent-vs-buy-shifted-in-2023/

    —

    Read Money with Katie: https://moneywithkatie.com/


    Follow Money with Katie!

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    I Invested in My First Startup—And It Was Terrifying Sep 06, 2023

    I invested in a startup for the first time as an angel investor, and, honestly, the process was…strange. While public market investing feels comfortable and “safe,” private investments feel like pulling the lever on a slot machine with a few thousand bucks on the line.

    We're taking Rich Girl Nation behind the scenes of the process, with three guests this week. I'm joined by Arman Hezarkhani, the founder & CEO of Parthean (https://www.parthean.com/) about my investment and what I did wrong. I also chatted with Steph Mui, the founder & CEO of PIN (https://www.getpin.xyz/) and Erica Wenger, founder of Park Rangers Capital (https://www.parkrangerscap.com/).

    Transcripts can be found at https://podcast.moneywithkatie.com/.

    Reminder: While I love diving into investing- and tax law-related data, I am not a financial professional. I have no formal financial education. I am not a financial advisor, portfolio manager, or accountant. This is not financial advice, investing advice, or tax advice. The information on this podcast is for informational and recreational purposes only. Investment products discussed (ETFs, index funds, etc.) are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns. Money with Katie, LLC.

    —

    Mentioned in the Episode

    • Defining an "accredited investor" & how to invest as a non-accredited investor: https://www.upcounsel.com/how-to-invest-without-being-an-accredited-investor
    • Questions if you're thinking of investing in startups: https://www.forbes.com/advisor/investing/invest-in-startups/

    —

    Follow Along at Money with Katie: https://moneywithkatie.com/

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    Rich Girl Roundup: What Do I Do Financially in My 30s? Sep 04, 2023

    There's a lot of financial advice out there about what to do in your 20s—but what about your 30s? We also chat through a few pieces of feedback from last week's Rich Girl Roundup on taxes.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: While we love diving into investing- and tax law-related data, we are not financial professionals. We have no formal financial education. We are not financial advisors, portfolio managers, or accountants. This is not financial advice, investing advice, or tax advice. The information on this podcast is for informational and recreational purposes only. Investment products discussed (ETFs, index funds, etc.) are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns. Money with Katie, LLC.

    —

    Mentioned in the Episode:

    • Last week's Rich Girl Roundup on owing vs. getting a refund with taxes: https://podcast.moneywithkatie.com/rich-girl-roundup-are-you-on-track-to-owe-get-a-refund-or-break-even/
    • Chelsea Fagan's TikTok about your 30s: https://www.tiktok.com/@faganchelsea/video/7207116547679194373?lang=en
    • Does the Perfect "Save Rate" Exist? https://podcast.moneywithkatie.com/does-the-perfect-save-rate-exist-i-figured-it-out/

    —

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    Investing *Outside* Your Retirement Accounts Aug 30, 2023

    Today we're venturing into the world of taxable investing—aka flexible money you can access at any time. How do we balance building wealth here along with our tax-advantaged accounts like a 401(k) or an IRA? Who should be making this a priority? And how does it actually work? Let's dive in.

    Reminder: While I love diving into investing- and tax law-related data, I am not a financial professional. I have no formal financial education. I am not a financial advisor, portfolio manager, or accountant. This is not financial advice, investing advice, or tax advice. The information on this podcast is for informational and recreational purposes only. Investment products discussed (ETFs, index funds, etc.) are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns. Money with Katie, LLC.

    Transcripts can be found at podcast.moneywithkatie.com

    —

    Mentioned in the Episode

    • How to Set Yourself Up to Pay No Money in Retirement: https://podcast.moneywithkatie.com/deep-dive-set-yourself-up-to-pay-no-penalties-or-taxes-in-early-retirement/
    • How Your Investments are Taxed: https://moneywithkatie.com/blog/how-your-investments-are-taxed

    —

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    Rich Girl Roundup: Are You On Track to Owe, Get a Refund, or Break Even? Aug 28, 2023

    Would you rather owe the IRS come tax szn or get a fat refund? There are pros and cons to both, which Katie and Henah walk through—as well as the best way to break even and some tips on properly filling out tax forms.

    Listener Note: Katie misspoke in the episode when she said schedule K income and meant to say schedule C income—we hope this helps clarify!

    —

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Reminder: While we love diving into investing- and tax law-related data, we are not financial professionals. We have no formal financial education. We are not financial advisors, portfolio managers, or accountants. This is not financial advice, investing advice, or tax advice. The information on this podcast is for informational and recreational purposes only. Investment products discussed (ETFs, index funds, etc.) are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns. Money with Katie, LLC.

    —

    Mentioned in the Episode:

    • Money with Katie Tax-Smart Investing Bundle: https://education.morningbrew.com/tax-smart-bundle
    • SmartAsset's Federal Income Tax Calculator: https://smartasset.com/taxes/income-taxes
    • ChooseFI with the FI Tax Guy, on using your previous tax return to financially plan: https://www.choosefi.com/transform-your-tax-return-into-a-springboard-for-financial-planning-ep-332/

    —

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    The Truth About the Wage Gap Aug 23, 2023

    Why does the wage gap persist, despite both legislation and a cultural shift that encourages women to participate in the workforce with the fervor of a thousand exploding suns? The gap has barely budged over the last decade or two, stagnating somewhere in the low 80% range.

    I had to crawl into some objectionable online spaces that are expressly “anti-women” to find out (so you don’t have to!)…and the consensus I found there was dizzying.

    I'm also joined by Ellevest's CEO Sallie Krawcheck—and, I have to say, this conversation is a must-listen.

    Transcripts can be found at podcast.moneywithkatie.com

    —

    Mentioned in the Episode

    • Economic historian Claudia Goldin's work: https://podcasts.apple.com/us/podcast/women-at-work/id1336174427?i=1000403279400
    • US Bureau of Labor Statistics data on the wage gap: https://www.bls.gov/opub/ted/2022/median-earnings-for-women-in-2021-were-83-1-percent-of-the-median-for-men.htm
    • BLS "time use studies": https://www.bls.gov/news.release/pdf/atus.pdf
    • Harvard study on the dynamics of the gender wage gap: https://scholar.harvard.edu/files/goldin/files/dynamics_of_the_gender_gap_for_young_professionals_in_the_financial_and_corporate_sectors.pdf
    • US News ranking and methodology for countries and gender equality: https://www.usnews.com/news/best-countries/articles/methodology
    • Parental leave data from the Organization for Economic Cooperation & Development: https://www.oecd.org/els/soc/PF2_1_Parental_leave_systems.pdf
    • BLS employment characteristics from 2022: https://www.bls.gov/news.release/pdf/famee.pdf
    • Pew Research on stay-at-home parents in the 1970s: https://www.pewresearch.org/social-trends/2014/04/08/after-decades-of-decline-a-rise-in-stay-at-home-mothers/
    • Cosmopolitan essay from Laura Kipnis on why maternal instincts are BS: https://www.cosmopolitan.com/sex-love/a37568/why-maternal-instincts-are-bs/

    —

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    Rich Girl Roundup: The Best Tips (& Gotchas) to Know About When Moving Aug 21, 2023

    One aspiring Rich Girl asked what to keep in mind for long-distance moving—and since Katie and Henah both moved 1,000+ miles in July, they deep-dive into the best tips to keep in mind, "gotchas" to look out for, and their own experiences down to the cost. (Plus, why a relo package or sign-on bonus is a must!)

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    —

    Mentioned in the Episode:

    • The emotional burden of moving: https://www.instagram.com/p/CvXU5rgsj7j/
    • Zillow rep shares why off-peak moving can be better: https://podcast.moneywithkatie.com/how-rent-vs-buy-shifted-in-2023/

    —

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    How to Erase Medical Debt & Avoid Overpaying Aug 16, 2023

    There are a few key phrases, online tools, and strategies that are key to unlocking this intentionally opaque industry—so we're going to cover it all today. In a marketplace where some hospitals charge 30x their costs and the insurance company “discounts” do little to help, taking matters into your own hands is often your best bet.

    I'm joined by two medical billing pros, Braden Pan, CEO of Resolve Medical Bills (https://www.resolvemedicalbills.com/) and Jeanne Pinder of ClearHealthCosts (https://clearhealthcosts.com/). Email Jeanne with billing questions at jeanne@clearhealthcosts.com.

    Transcripts can be found at podcast.moneywithkatie.com

    —

    Mentioned in the Episode

    • Navigating the US Healthcare System Without Getting Financially F***ed: https://podcast.moneywithkatie.com/navigating-the-us-healthcare-system-without-getting-financially-fed/
    • Expensive Open Enrollment Mistakes to Avoid: https://podcast.moneywithkatie.com/expensive-open-enrollment-mistakes-to-avoid-making-the-best-of-a-bad-system/
    • Getting the most out of your HSA: https://moneywithkatie.com/blog/category/HSAs
    • Budgeting for Healthcare in the US: https://moneywithkatie.com/blog/how-im-budgeting-for-healthcare-in-the-united-states-in-the-least-frustrating-way
    • The Guide to Lowering Medical Bills from Resolve: https://uploads-ssl.webflow.com/63fe3236566164b208408804/6424c340f953dcf5597b92fa_Resolve_Understanding-Your-Medical-Bills.pdf
    • Medical billing errors from Becker's Hospital Review: https://www.beckershospitalreview.com/finance/medical-billing-errors-growing-says-medical-billing-advocates-of-america.html
    • Find-A-Code NCCI Edits Validator: https://www.findacode.com/tools/ncci-check.php

    —

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    Rich Girl Roundup: Student Loans are Back—What to Know (and a Potential Hack) Aug 14, 2023

    The moratorium on student loan payments will expire starting September 1st, but there's also a new program to be aware of called SAVE. Katie and Henah chat through the new requirements for lower payments, if you should pay off loans more quickly, and a potential hack to get your loans dismissed.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    *We are not licensed financial professionals and this is not financial advice.

    —

    Mentioned in the Episode:

    • SAVE Plan Announcement: https://studentaid.gov/announcements-events/save-plan
    • Federal Student Aid Webpage: https://studentaid.gov/
    • White House Webpage: https://www.whitehouse.gov/
    • Brian's Twitter Thread: https://twitter.com/brianmanookian/status/1674963884703088642

    —

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    Beauty Is $$$: How to Hop Off The "Hot Girl Hamster Wheel" Aug 09, 2023

    Today's episode throws it back to a concept I first wrote about several years ago: The Hot Girl Hamster Wheel. It refers to the expensive maintenance that “traditional female beauty ideals” prescribe: haircuts, manis/pedis, spray tans...the list goes on. But why is this never covered in personal finance sector, despite how much these costs add up?

    We dig into the numbers, the effects beauty has on our self-esteem and the world around us, and how to do a Hot Girl Detox to reclaim your time (and wallet). I'm joined by Jessica DeFino, a beauty culture critic, author of The Unpublishable (https://jessicadefino.substack.com/), and journalist who's been called "the woman the beauty industry fears."

    Transcripts can be found at podcast.moneywithkatie.com

    —

    Mentioned in the Episode

    • How 'Empowerment' Became Something for Women to Buy by Jia Tolentino, from The New York Times: https://www.nytimes.com/2016/04/17/magazine/how-empowerment-became-something-for-women-to-buy.html
    • The average American woman spends $3,756 on her beauty and personal care regimen: https://swnsdigital.com/us/2017/06/women-spend-a-quarter-of-a-million-dollars-on-their-appearance-in-a-lifetime/
    • Self-Care Culture is Making Us Broke, with Chelsea Fagan: https://podcast.moneywithkatie.com/self-care-culture-is-making-us-broke-with-chelsea-fagan/
    • Studies on "Pretty Privilege": https://scholarworks.smith.edu/cgi/viewcontent.cgi?article=1822&context=theses
    • The Age of Instagram Face by Jia Tolentino in The New Yorker: https://www.newyorker.com/culture/decade-in-review/the-age-of-instagram-face

    —

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    Rich Girl Roundup: How Do Targeted Ads Influence Our Spending? Aug 07, 2023

    One reader notes: Back in the 80s and 90s, marketing reached us via malls and television. But today, it's as easy as opening up your phone and having access to 1-click shipping. How has targeted marketing changed our approach to spending, and where can we draw the line?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    —

    Mentioned in the Episode:

    • Federal Trade Commission's Brief on the Economics of Targeted Advertising: https://www.ftc.gov/system/files/documents/reports/brief-primer-economics-targeted-advertising/economic_issues_paper_-_economics_of_targeted_advertising.pdf
    • What is Influencer Marketing & How Does It Target Children? https://www.frontiersin.org/articles/10.3389/fpsyg.2019.02685/full
    • Instagram post on financial discipline: https://www.instagram.com/p/CukWobWR9pb/?img_index=1
    • Why I'm No Longer Listening to Influencer Suggestions: https://www.thegoodtrade.com/features/social-media-influencers-trust/

    —

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    Estates, Inheritances, & Aging Parents: Your Checklist Aug 02, 2023

    We recently did a Rich Girl Roundup on how to talk money with aging parents, and the response for a deep-dive was overwhelming. So, we rounded up the most common questions and brought back Kim Davis from the Bahnsen Group to walk us through everything we need to know for our parents' golden years.

    We're pulling together a comprehensive checklist to walk through with your loved ones, and we'll share it in next week's newsletter. Subscribe now so you don't miss it: https://www.morningbrew.com/money-with-katie/subscribe.

    Transcripts can be found at podcast.moneywithkatie.com

    —

    Mentioned in the Episode

    • Rich Girl Roundup: How to Talk Money with Aging Parents: https://podcast.moneywithkatie.com/rich-girl-roundup-how-to-talk-money-with-aging-parents/
    • Kim Davis on The Money with Katie Show on Prenups: https://podcast.moneywithkatie.com/to-prenup-or-not-to-prenup-with-the-fiscal-feminist-kim-davis/
    • Hybrid Long-Term Care Insurance Policies: https://www.brighthousefinancial.com/education/healthcare-planning-for-retirement/what-is-hybrid-long-term-care-insurance/
    • Inflation Riders on Long-Term Care Insurance: https://www.insure.com/long-termcare/inflation-riders.html
    • Buying Long-Term Care Insurance in Someone Else's Name: https://www.annuityexpertadvice.com/long-term-care-insurance-for-parents/
    • What's Not Covered by Medicare: https://www.medicare.gov/what-medicare-covers/whats-not-covered-by-part-a-part-b
    • How to Qualify for Medicaid: https://www.nolo.com/legal-encyclopedia/when-will-medicaid-pay-nursing-home-assisted-living.html
    • Will vs. Trust: https://www.investopedia.com/articles/personal-finance/051315/will-vs-trust-difference-between-two.asp
    • Guardianship of Younger Children: https://sapientlawgroup.com/estate-planning-attorney-pasadena/designation-of-guardian/
    • CCRCs & Senior Living: https://www.continuingcarecommunities.org/assisted-living/california/

    —

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    Rich Girl Roundup: How Do I Get Friends & Family Comfortable Investing? Jul 31, 2023

    Got friends or family interested in investing but don't know where to start or are scared of the risk? Katie and Henah chat through the hesitations they each experienced on their investing journeys, how their own friends empowered them to start, and how they mitigated risk as much as possible.

    And a reminder, as always: This is not financial advice, and past performance is not indicative of future returns.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on our Instagram (@moneywithkatie). New episodes every week.

    —

    Mentioned in the Episode:

    • How Money Anxiety Can Help Build Wealth: https://podcast.moneywithkatie.com/how-your-money-anxiety-might-actually-help-build-wealth/
    • S&P Has Never Lost Money Over 30-Year Periods: https://fourpillarfreedom.com/heres-how-the-sp-500-has-performed-since-1928
    • Rationality by Steven Pinker: https://bookshop.org/a/90396/9780525562016
    • The Starter Home Myth: https://www.youtube.com/watch?v=hZl_UpgMsPs

    —

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    Does The “Perfect Save Rate” Exist? I Figured It Out Jul 26, 2023

    The biggest money question we have is usually: How do I enjoy my life now and plan for enjoying it later? If we go too far in either direction, we're sacrificing the quality of our lives at one point or another.

    So does the “perfect” save rate exist that optimizes for both now and the future? And if so, what is the ideal percentage of our income to save that would work for most people, most of the time? Here's the number I landed at, and why.

    Transcripts can be found at podcast.moneywithkatie.com

    —

    Mentioned in the Episode

    • Save Rate Spreadsheet [Make a copy!]: https://docs.google.com/spreadsheets/d/1rTlDhv2GGRUczBF_1W0PX_OCxKFNR9ZZp78EKpP2KTc/edit?usp=sharing
    • Why Hitting "Half FI" is More Like 75%: https://moneywithkatie.com/blog/why-hitting-half-fi-is-more-like-75
    • Money with Katie Wealth Planner with the Financial Independence Calculator: https://moneywithkatie.com/new-2023-wealth-planner

    —

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    Rich Girl Roundup: Splitting the Bill with Friends Without Getting Screwed Jul 24, 2023

    You're out with friends and only order a $10 salad and water. Meanwhile, they each get expensive entrees and drinks. What's the least awkward way to split the bill? And how can we avoid this situation from happening over and over again?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    —

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    How "Rent vs. Buy" Shifted in 2023 Jul 19, 2023

    The only thing worse than a post-pandemic rental market? A post-pandemic buyer’s market. I sat down with Zillow’s Head of Rentals Communication to talk about how the rental market has evolved over the last three years, and the one variable that might just make buying your home right now worth it. Plus, I share the numbers and rationale behind our own decision to continue renting near Sacramento, California.

    What are your considerations when picking a place to live? How are you making the rent vs. buy decision in 2023? Email us at moneywithkatie@morningbrew.com.

    Transcripts can be found at podcast.moneywithkatie.com

    —

    Mentioned in the Episode

    • Rent vs. Buy in a High Interest Rate Environment: https://podcast.moneywithkatie.com/the-rent-vs-buy-decision-in-2022s-interest-rate-environment-and-lofty-market/
    • Housing Affordability is at an Historic Low: https://thehill.com/business/3881539-housing-affordability-hits-historic-low/
    • Average Closing Costs, per Rocket Mortgage: https://www.rocketmortgage.com/learn/closing-costs
    • Average 30-Year Fixed Rate (updated daily): https://www.bankrate.com/mortgages/mortgage-rates/

    —

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    Rich Girl Roundup Wades into the "Ethical Landlord" Debate Jul 17, 2023

    Does "ethical landlordship" exist, and if so, what does it look like? What are the bigger questions or factors at play here, including the issues with short- vs. long-term rentals, housing policy, and achieving economies of scale?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    —

    Mentioned in the Episode:

    • 1/5 of homes going to investors: https://www.axios.com/2022/02/18/investors-homes-wealth-families
    • The hole in Henah's ceiling: https://ibb.co/f444DJF
    • When NYC had more Airbnbs than apartments available: https://www.curbed.com/2022/05/new-york-more-airbnb-listings-apartments-rentals.html
    • The Homeownership Society was a Mistake by Jerusalem Demsas: https://www.theatlantic.com/newsletters/archive/2022/12/homeownership-real-estate-investment-renting/672511/
    • How San Francisco Makes it Insanely Hard to Build Housing: https://sfstandard.com/2022/09/13/how-san-francisco-makes-it-insanely-hard-to-build-housing/
    • Los Angeles' residential segregation: https://www.latimes.com/opinion/story/2021-09-10/racial-covenants-los-angeles-pioneered

    —

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    The Most Rewarding Everyday Luxuries, According to Science Jul 12, 2023

    If we have access to more convenience than ever before, why does life still feel so frenetic and busy? Achieving a more leisurely pace (and indulgent lifestyle) comes down to a few key choices, it turns out—and fortunately, they don’t need to be expensive.

    I chat about romanticizing your life and the European approach to leisure with our guest, Melissa Jean-Baptiste of Millennial in Debt (@millennialindebt), and cover some ways to approach slow living in three key areas of our lives that offer the biggest ROI for happiness.

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Melissa Jean-Baptiste's book, So This Is Why I'm Broke: https://sothisiswhyimbroke.com/
    • Kylie Jenner purchasing a Cartier is the same as me proportionally buying a cold brew: https://www.instagram.com/p/CiIF_g3O8Fe/
    • Finding & Funding a Good Life, from PWL Capital: https://www.pwlcapital.com/wp-content/uploads/2022/05/2022-04-25_PWL_WP_Felix_Finding_and_Funding_Good_Life_NoImages-2.pdf
    • How beautiful spaces affect our health: https://resources.wellcertified.com/articles/why-beautiful-spaces-make-us-healthier/
    • The health benefits of living in or near nature: https://www.takingcharge.csh.umn.edu/how-does-nature-impact-our-wellbeing
    • Eating in groups makes your food taste better: https://www.foodnavigator.com/Article/2016/02/29/Eating-in-groups-makes-food-taste-better-study-believes

    —

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    Rich Girl Roundup: What Is "Deservingness"? Jul 10, 2023

    Listener Jamie F. posed the question: "What is deservingness? How does the idea of having 'earned it' play into our perceptions of other people's wealth versus those who we deem unworthy of their success?"

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    —

    Mentioned in the Episode

    • Nick Maggiulli on luck and investment results: https://ofdollarsanddata.com/bad-investment-results-your-birth-year-may-be-to-blame/

    —

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    This Investing Mistake Cuts Returns in Half Jul 05, 2023

    Ignore the advice to buy and hold at your own peril. This research-rich deep dive unpacks the ways in which your biggest investing hurdle…is yourself (and 3 tangible tactics for overcoming!).

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Money with Katie on how the average 10% might not happen in the future due to overpriced assets: https://moneywithkatie.com/blog/why-do-people-say-stocks-are-overvalued-right-now
    • Dalbar's Quantitative Analysis of Investor Behavior: https://wealthwatchadvisors.com/wp-content/uploads/2020/03/QAIB_PremiumEdition2020_WWA.pdf
    • Money with Katie 2023 Wealth Planner: https://moneywithkatie.com/new-2023-wealth-planner
    • How to Diversify Outside of the Total Stock Market: https://podcast.moneywithkatie.com/how-to-construct-a-diversified-stock-portfolio-of-major-index-funds/
    • Why You Shouldn't Try to Time The Market: https://moneywithkatie.com/blog/why-you-shouldnt-try-to-time-the-market
    • JP Morgan Asset Management Analysis Graph on Impact of Being Out of the Market: https://am.jpmorgan.com/us/en/asset-management/adv/insights/retirement-insights/guide-to-retirement/guide-to-retirement-slides/guide-to-retirement-investing/gtr-impact/

    —

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    Rich Girl Roundup: Using Long-Term Investments to...Buy a House? Jul 03, 2023

    How do I transition my long-term brokerage account to a shorter-term savings goal, like a house? That’s the question we’re unpacking on this week’s episode of Rich Girl Roundup. I even called in the big guns (a friend who happens to be a CFP and wealth manager) to weigh in.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

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    The Costs of Infertility Jun 28, 2023

    One in six people globally is affected by infertility—and that means getting pregnant can be expensive. Today, we'll talk about the different types of fertility treatments available like IUI and IVF, how to budget for those costs, and some of the ethical implications of the topic at large.

    We'll also be joined by Arielle Bogorad, the SVP of Employer Market Strategy at Progyny, an organization offering comprehensive fertility and family building benefits to more than 5M people across the United States. She'll share more on how to navigate the US healthcare system, what to ask your insurance providers, and how we can advocate for inclusive coverage at a policy level.

    Learn more about our sponsor, Vin Social: https://www.vinsocial.vip

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • 1 in 6 people affected by infertility globally: https://www.who.int/news/item/04-04-2023-1-in-6-people-globally-affected-by-infertility
    • Fertility treatment coverage in 2023: https://www.kff.org/womens-health-policy/issue-brief/coverage-and-use-of-fertility-services-in-the-u-s/
    • 80% of patients who've undergone fertility treatments say it's negatively impacted their finances: https://www.lendingtree.com/personal/fertility-treatments-survey
    • 2011 survey on fertility treatment costs: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3043157/
    • The cost of IUI, per FertilityIQ: https://www.fertilityiq.com/iui-or-artificial-insemination/the-cost-of-iui#components-of-iui-cycle-cost
    • The costs of fertility treatments today, per Forbes Health: https://www.forbes.com/health/family/how-much-does-ivf-cost/
    • Stats on adoption from the Department of Health and Human Services: https://www.ccainstitute.org/resources/fact-sheets
    • The costs of adoption, per Nerdwallet: https://www.nerdwallet.com/article/finance/adoption-cost
    • Resolve.org from the National Infertility Association: https://resolve.org/take-action/our-issues/
    • Fertility treatment grants: https://resolve.org/learn/financial-resources-for-family-building/fertility-treatment-scholarships-and-grants/
    • IVF lotteries: https://www.verywellfamily.com/how-to-enter-an-ivf-contest-or-lottery-1960052
    • Family building loans and financing plans: https://resolve.org/learn/financial-resources-for-family-building/financing-programs-for-fertility-treatment/
    • Shared risk IVF clinics: https://bundlfertility.com/blog/how-shared-risk-ivf-makes-fertility-care-affordable/
    • Aura Finance x Noula event on fertility and pregnancy: https://www.youtube.com/watch?v=6GugaVKAwg0
    • Setting up for medium-term goals: https://podcast.moneywithkatie.com/how-to-set-up-money-management-systems-for-short-term-long-term-goals/

    —

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    Rich Girl Roundup: Which Job Benefits Are Actually The Most Valuable? Jun 26, 2023

    We spend nearly a third of our days at work, and our benefits there—like access to retirement accounts and time off—affect our personal lives, too. What are the most valuable and worthwhile benefits? Henah and Katie chat through their beef with unlimited PTO as well as their perspectives on living-wage salaries, profit sharing plans, and on-site childcare.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    —

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    The $100B+ "Creator Economy" Revealed Jun 21, 2023

    Mr. Beast might make $50M a year...but how much does the average influencer earn? Which platform lends itself most readily to monetization? And how have some influencers scaled to eight-figure, long-lasting businesses—like our guest, Thomas Frank with 3M subscribers—while others flame out in 18 months? We answer all of these juicy questions and dive into the hard numbers.

    Learn more about our sponsor, Vin Social: https://www.vinsocial.vip

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Thomas Frank on YouTube: https://www.youtube.com/channel/UCG-KntY7aVnIGXYEBQvmBAQ
    • The value of the creator economy: https://influencermarketinghub.com/ebooks/Creator_Economy_-_Creator%20Earnings_Benchmark_2021.pdf
    • 1 in 4 Gen Zers plan to become content creators: https://thehill.com/changing-america/enrichment/arts-culture/3614182-1-in-4-gen-z-ers-plan-to-become-social-media-influencers/
    • Neal Schaffer on The Age of Influence: https://nealschaffer.com/influencer-marketing-statistics/
    • 89% of advertisers found influencer marketing to be at least as effective as other methods: https://www.smartinsights.com/online-pr/influencer-marketing-effectiveness/
    • Blogilates case study: https://www.instagram.com/blogilates/?hl=en
    • Mr. Beast case study: https://www.thoughtleaders.io/blog/how-much-does-mrbeast-spend-a-month
    • Nick Huber case study: https://www.mfmpod.com/127-with-nick-huber-building-a-10m-self-storage-business-and-the-opportunities-in-sweaty-startups/
    • Melissa Wood Tepperberg case study: https://www.hbs.edu/faculty/Pages/item.aspx?num=60307
    • Thomas Frank's creator resources: https://creator.thomasjfrank.com/

    —

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    Rich Girl Roundup: How Does A Pension Affect My Retirement Goals? Jun 19, 2023

    What even is a pension? How can it affect my savings goals for retirement? And is it really guaranteed?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    —

    Mentioned in the Episode:

    • Last week's RGR on CDs: https://link.chtbl.com/7ClqMm2w
    • The 10 Biggest Failed Pension Plans: https://money.usnews.com/money/blogs/planning-to-retire/2010/08/23/the-10-biggest-failed-pension-plans
    • A 2023 example of failed pension plans: https://www.usnews.com/news/business/articles/2023-03-21/public-pension-plan-losses-from-bank-failures-were-minor

    —

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    Is Pet Insurance A Scam? Jun 14, 2023

    Yes, I did spend that much money on my dog, Georgia aka Beans. But before you jump to conclusions, it was one of those medical “one thing after another” descents into the pits of budgetary (and emotional) hell. Would pet insurance have helped? The short answer is…kind of, but it’s complicated.

    Learn more about our sponsor, Vin Social: https://www.vinsocial.vip

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Pet insurance stats from MarketWatch: https://www.marketwatch.com/guides/insurance-services/pet-insurance-facts-and-statistics
    • How much does pet insurance cost by breed, from MarketWatch: https://www.marketwatch.com/guides/insurance-services/pet-insurance-cost/
    • Average pet insurance claim: https://www.benefitspro.com/2018/05/02/5-most-common-and-5-most-expensive-pet-insurance-claims

    —

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    Rich Girl Roundup: Should I Put My Money in CDs? Jun 12, 2023

    To CD, or not to CD…that is the question Henah and I are breaking down this week. When yields are 5% (or higher!) in safe financial instruments like certificates of deposit, what’s the case against fleeing to safety? (Hint: The NASDAQ is up 27% YTD, and the S&P 500 is popping off at nearly 12% YTD.)

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    —

    Mentioned in the Episode:

    • Why I Bonds Can Be A Distraction: https://www.youtube.com/watch?v=3LevWqIdvig

    —

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    Hustle Culture or Quiet Quitting: Which Wins? Jun 07, 2023

    As a society, we now pit "anti-work" against "grindset mentality"—but we might actually be in a stage of self-defeating overcorrections at this point, including questionable trends like TradLife and Stay at Home Girlfriend Tok.

    In this week's episode, we cover the pros and cons of both hustle culture and quiet quitting, how employee stock ownership programs might help, and what a better balance between the two might be.

    Learn more about our sponsor, Vin Social: https://www.vinsocial.vip

    Learn more about our sponsor, CFA Institute: https://www.cfainstitute.org/en/programs/cfa

    Learn more about our sponsor, Fidelity: https://fidelity.com/stocksbytheslice

    Learn more about Betterment: http://www.betterment.com/moneywithkatie

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Range by David Epstein: https://bookshop.org/a/90396/9780735214507
    • "The Secret to Conventional Success We Don't Talk About": https://moneywithkatie.com/blog/conventional-success-secrets
    • "On Meaningless Careers" by Jack Raines: https://www.youngmoney.co/p/meaningless-careers
    • "Gen Z Does Not Dream of Labor" from Vox: https://www.vox.com/the-highlight/22977663/gen-z-antiwork-capitalism
    • Wealth inequality in the 2010s: https://news.yahoo.com/super-richs-wealth-concentration-surpasses-gilded-age-levels-210802327.html
    • Laura Pitcher in Vice: https://i-d.vice.com/en/article/93a3we/slow-living-tiktok-trend
    • Zoe Hu in Dissent Magazine: https://www.dissentmagazine.org/article/the-agoraphobic-fantasy-of-tradlife
    • Chelsea Fagan on "Quiet Quitting": https://www.youtube.com/watch?v=oh9CRz2dk-Q&ab_channel=TheFinancialDiet
    • Haley Nahman on Not Caring About Your Work: https://haleynahman.substack.com/p/145-not-caring-about-your-job-freedom
    • Kim Jordan of New Belgium Brewing and their employee stock ownership program: https://www.inc.com/magazine/202009/graham-winfrey/new-belgium-brewing-kim-jordan-esop-b-corp-acquisition-exit.html

    —

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    Rich Girl Roundup: When Your Retirement Accounts Haven't Grown Jun 05, 2023

    One listener writes in that her retirement accounts haven't really grown over the past few years—so what's a Rich Girl to do?

    Katie and Henah chat through the last several years of returns and the economy, what to watch out for, and actions to consider for better results.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    —

    Mentioned in the Episode:

    • Portfolio Visualizer: https://www.portfoliovisualizer.com/

    —

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    Ramit Sethi on Business, Life, and Money May 31, 2023

    How can money make your life better? More fulfilling? Happier?

    To answer the question, I invited a very special guest on the show: the one and only Ramit Sethi, of How to Get Rich of Netflix fame. (And, of course, his bestseller, I Will Teach You to be Rich.)

    We discuss everything from business to personal finance philosophy to why he’s not afraid to be outspoken online. Plus, he shares helpful tips on seeing money as an opportunity, how to spend and not just save, and more. I love all my guests, but…this interview is up there for me.

    Learn more about our sponsor, Vin Social: https://www.vinsocial.vip

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    Learn more about the CFA Institute: https://www.cfainstitute.org/en/programs/cfa

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    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • I Will Teach You to be Rich: https://bookshop.org/a/90396/9781523505746
    • How to Get Rich on Netflix: https://www.netflix.com/title/81410436

    —

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    Rich Girl Roundup: Responding to Our Most Controversial Topic May 29, 2023

    Our episode on the myth self-made millionaires (linked below) stirred up quite the conversation online—Katie and Henah chat through a few listener critiques that were sent in response. What do you think?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    —

    Mentioned in the Episode:

    • "Are Most Millionaires Actually Self-Made?": https://link.chtbl.com/4Cx-Hbo_
    • Why Are We Obsessed with Rich People Who Drive Old Cars? https://moneywithkatie.com/blog/why-are-we-obsessed-with-rich-people-with-old-cars

    —

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    The Ultimate Traditional vs. Roth 401(k) Strategy May 24, 2023

    Today, we're breaking down every. single. aspect. worth considering when you’re deciding between Traditional and Roth contributions in your 401(k), because making the “right choice” can mean a difference of hundreds of thousands of dollars in a few decades.

    So, what’s a Rich Girl to do when faced with a slew of retirement plan options and a dream? By the end of this episode, you’ll feel confident in your choice.

    Learn more about our sponsor, Vin Social: https://www.vinsocial.vip

    Learn more about our sponsor, Fidelity: https://fidelity.com/stocksbytheslice

    Learn more about the CFA Institute: https://www.cfainstitute.org/en/programs/cfa

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    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • How to Pay No Taxes in Early Retirement: https://link.chtbl.com/9nugZS3C
    • Traditional vs. Roth breakdown: https://docs.google.com/spreadsheets/d/1pDXtuOBV5o_hyxVvlIzienhKbuE0ajGaj8mvPWGBOGM/edit#gid=0

    —

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    Rich Girl Roundup: Why Katie Made Henah Max Out Her 401(k) May 22, 2023

    Sometimes we all need a little nudge to make the best financial decisions for ourselves. In this week's episode, Henah recounts how Katie helped her max out her 401(k) contributions, overcome her psychological hangups about "making less per paycheck," and how she's feeling about it now.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    -

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    The Writers’ Strike & Negotiating Your Dream Job (feat. One of John Oliver's Writers) May 17, 2023

    Rich Girl Taylor Kay Phillips is spilling all the tea on the Hollywood writers' strike—and giving us the inside scoop on a career in writing for television. We also cover the broader implications of negotiating for a fair wage, including a few tactics to try when you're exploring a dream job.

    For more negotiation tips:

    • Check out this week's blog post for tactics specific to salaried workers: https://moneywithkatie.com/blog/salary-negotiation-tactics-for-increasing-income
    • Check out this week's YouTube video, where we unpack the tactics mentioned in this episode in more detail: https://www.youtube.com/watch?v=FQDcsgLCfUg


    Learn more about our sponsor, Vin Social: https://www.vinsocial.vip

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    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • The Writers' Strike Deadline Is Here, from The Town with Matthew Belloni: https://podcasts.apple.com/us/podcast/the-town-with-matthew-belloni/id1612131897?i=1000611351559
    • The 2007 writers' strike and the economic impact: https://www.vox.com/culture/23696617/writers-strike-wga-2023-explained-residuals-streaming-ai
    • Zendaya's salary negotiation for Euphoria: https://www.gq.com/story/zendaya-euphoria-season-3-one-million-dollars-per-episode-salary

    —

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    Rich Girl Roundup: Purchases We Regret & Purchases We Wish We Spent More On May 15, 2023

    Join us this week for a frank discussion about the things we wish we wouldn't have bought—and the stuff we wish we would've spent more on.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    -

    Mentioned in the Episode

    • The Money with Katie Show: Is Pet Insurance Worth it?: https://youtu.be/co9b8Vh_Rfs
    • How to Travel for Free in 2023: https://podcast.moneywithkatie.com/how-to-travel-for-free-in-2023/

    -

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    Trapped in the Low Wage Cycle: A Shot at Building a Better Life May 10, 2023

    I’m so proud of the work the team did to develop and produce this episode. Typical personal finance advice works particularly well for people in a certain position (with good salaries, education, or inheritances), but it’s mostly useless if you’re not earning enough to make ends meet. To make matters more complex, the way some government assistance programs currently work can paradoxically make it harder to get ahead in the long term.

    Learn more about our sponsor, Vin Social: https://www.vinsocial.vip

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    Learn more about The CFA Institute: https://www.cfainstitute.org/en/programs/cfa

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Oxfam America Study on the Low-Wage Workforce: https://www.brookings.edu/research/meet-the-low-wage-workforce/
    • Women’s workforce participation: https://www.brookings.edu/wp-content/uploads/2022/03/SP22_BPEA_Goldin_conf-draft.pdf
    • 97% of US Child Care workers are women: https://finance.yahoo.com/news/child-care-challenges-women-workforce-131402101.html
    • Center for American Progress on Childcare Deserts: https://childcaredeserts.org/2018/
    • Video Clip from Netflix series Maid: https://youtu.be/vM30cS-NZZU
    • Julie’s Family Learning Program: https://www.juliesfamily.org/our-founding-history/
    • Multnomah County Preschool for All Program: https://www.multco.us/finance/multnomah-county-preschool-all-personal-income-tax#
    • The Oregonian on the importance of attending pre kindergarten: https://www.oregonlive.com/education/2022/12/free-preschool-delayed-for-thousands-of-oregon-children-due-in-part-to-staffing-shortages.html
    • Full Department of Treasury Report on Childcare: https://home.treasury.gov/system/files/136/The-Economics-of-Childcare-Supply-09-14-final.pdf


    —

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    Rich Girl Roundup: The 10 Best Money Tips For Your 20s & Beyond May 08, 2023

    What advice would we go back and tell ourselves in our early 20s, and how has our perspective on money changed as we approach our 30s? Katie and Henah chat through 10 tips they'd share, from intimately understanding your spending to prioritizing experiences to saving for childcare costs long-term.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    -

    Mentioned in the Episode

    • The importance of starting to save early for retirement: https://moneywithkatie.com/blog/more-money-retirement-financial-literacy
    • Consumption theory: https://www.britannica.com/topic/consumption/Consumption-theory

    -

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    How to Travel for Free in 2023 May 03, 2023

    CARDS MENTIONED IN THIS EPISODE, IN ORDER: http://www.moneywithkatie.com/2023travel

    If you’ve ever wanted to take a more intentional approach to your credit cards and travel (or just tune up an existing approach!), this week’s episode is a must-listen.

    File “travel rewards” under the “sounds too good to be true but isn’t” category, with the major caveat that it’s a little like playing with fire: As long as your spending habits aren’t flammable, you stand to gain a lot.

    We called in travel rewards pro Benét Wilson—former Senior Cards Editor at The Points Guy and freelance aviation journalist—to weigh in and pressure-test our Money with Katie strategy, because this landscape is always changing—and the episode made me realize there’s at least one hotel card I need to consider adding to my wallet lineup.

    Learn more about our sponsor, Vin Social: https://www.vinsocial.vip

    Learn more about our sponsor, Fidelity: https://fidelity.com/stocksbytheslice

    Learn more about The CFA Institute: https://www.cfainstitute.org/en/programs/cfa

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Money with Katie's 2023 Travel Rewards Strategy: http://www.moneywithkatie.com/2023travel
    • How to Travel For Free 101 Series: https://www.morningbrew.com/money-with-katie/subscribe/travel-rewards-101
    • The Points Guy's 10 Commandments of Credit Card Rewards: https://thepointsguy.com/guide/ten-credit-card-commandments/amp/
    • Rich Girl Roundup on how credit works: https://link.chtbl.com/QXmxdYU_
    • How TPG staffers track their credit card miles/points: https://thepointsguy.com/guide/tpg-strategies-track-points-miles-cards/amp/
    • Chase 5/24 rule: https://thepointsguy.com/guide/ultimate-guide-chase-5-24-rule/
    • Chase Sapphire sign-up bonus: https://financebuzz.com/chase-sapphire-48-month-rule
    • How to redeem points: https://thepointsguy.com/credit-cards/airlines/beginners/
    • Cash or points for travel? Here's how to decide: https://moneywithkatie.com/blog/cash-or-points-for-travel
    • The Points Guy calculator: https://thepointsguy.com/calculator/
    • Chase transfer partners (as of April 2023): https://www.nerdwallet.com/article/travel/chase-transfer-partners-guide
    • American Express transfer partners (as of April 2023): https://thepointsguy.com/guide/membership-rewards-partner-guide/


    —

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    Rich Girl Roundup: What Would We Do With An Inheritance? May 01, 2023

    Whether you receive an inheritance or win the lottery, they can both be treated like receiving new income. Katie and Henah chat through what they would do with a big lump sum, including paying off debts, investing in experiences and companies, and if Katie would continue to rent. 👀

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    -

    Mentioned in the Episode

    • Inheritance taxes: https://turbotax.intuit.com/tax-tips/estates/what-are-inheritance-taxes/L93IUc3sC
    • Estate taxes: https://www.irs.gov/businesses/small-businesses-self-employed/estate-tax
    • Treading lightly on unexpected income: https://podcast.moneywithkatie.com/how-to-deal-with-unexpected-expenses/

    -

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    How to Deal with Unexpected Expenses Apr 26, 2023

    “Dude, why is being alive so expensive?”—an actual sentence I said aloud to Henah back in January when my dog needed surgery, my husband and I got a giant tax bill, Henah’s travel insurance wouldn’t come through, and a formerly in-network doctor informed her she owed them a large sum since they were now (surprise!) out-of-network. (USA! USA!)

    One of the rudest awakenings of adulthood is the realization that simply paying for the boring stuff eats up a lot of your income, which can be incredibly demoralizing when you’re trying to make progress.

    So which tactics (both financial and psychological) can help you plan for the mundane or unexpected? Will this ever stop, or do your financial problems just scale proportionally with your net worth?

    Learn more about our sponsor, Vin Social: https://www.vinsocial.vip

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    Learn more about our sponsor, Fidelity: https://fidelity.com/stocksbytheslice

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Money with Katie blog, "Being Poor is Expensive": https://moneywithkatie.com/blog/the-paradox-of-riches-being-poor-is-expensive
    • Preventive care services in the US: https://www.healthcare.gov/coverage/preventive-care-benefits/

    —

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    Rich Girl Roundup: How to Talk Money with Aging Parents Apr 24, 2023

    A listener asks, "How can I plan for my parents' later years in life, and how can I start that conversation?" Katie and Henah reflect on conversations they've had with their own families, what to do (hint: prep a life audit!), and caveats to consider. (And, if you want us to go into this topic more in-depth, email us at moneywithkatie@morningbrew.com!)

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    -

    Mentioned in the Episode

    • 92% of Americans say it's important to discuss wishes for end-of-life care, but only 32% of had the conversation, per The Conversation Project: https://theconversationproject.org/about/
    • Where to start with end-of-life planning with loved ones: https://www.vox.com/even-better/23378958/end-of-life-planning-elders-parents-grandparents-loved-ones

    -

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    Save the #BossBabes: MLMs, Get-Rich-Quick Schemes, and the Prosperity Gospel Apr 19, 2023

    When Amazon Prime dropped the LuLaRich documentary in 2021, it was one of the first times the population at large got to peek behind the curtain at one of the largest multilevel marketing companies in the world—and boy, did it take internet voyeurs by storm.

    The timing of (and snark generated by) such an explosive exposé was especially interesting, given the other pyramid scheme-y thing playing out in 2022: NFTs, shitcoins, and meme stocks.

    It feels like we should’ve learned our collective lesson by now—but are the get-rich-quick schemes that plague our DMs and Twitter feeds evolving faster than we are? What’s a Boss Babe to do?

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    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Amanda Montell's Cultish: https://bookshop.org/a/90396/9780062993151
    • LuLaRich: https://www.amazon.com/LuLaRich-Season-1/dp/B09CFXPNSX
    • LuLaRich trailer: https://www.youtube.com/watch?v=mIkcrQzTr8w&ab_channel=AmazonPrimeVideoUK
    • How LuLaRoe worked: https://www.youtube.com/watch?v=4411N0nAELY&ab_channel=AmazonPrimeVideoUK
    • The Sam Dee on YouTube, sharing their experience as a LuLaRoe retailer: https://www.youtube.com/watch?v=u-TO2-d10S0&ab_channel=TheSamDee
    • The Dream podcast: https://podcasts.apple.com/us/podcast/s1-e1-wanna-swim-in-cash/id1435743296?i=1000420324159
    • The Airplane Game from the 1980s: https://apnews.com/article/7894d03521da555b7ea45e6f78323fbb
    • "Blessing Loom" scam alert: https://www.bbb.org/article/news-releases/22255-bbb-scam-alert-easy-money-blessing-loom-nope-pyramid-scheme
    • Benjamin M. Friedman's Religion and the Rise of Capitalism: https://bookshop.org/a/90396/9780593311097
    • Protestant ethic, per the Encyclopedia Britannica: https://www.britannica.com/topic/Protestant-ethic
    • James Jani on YouTube, sharing about the prosperity gospel: https://www.youtube.com/watch?v=hTfKpAWkgJY&t=771s&ab_channel=JamesJani


    —

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    Rich Girl Roundup: How Does Credit Work? Apr 17, 2023

    Understanding credit can be tricky—but it's an invaluable part of our financial toolboxes since it affects our ability to buy a home, access loans, etc. Katie and Henah break down the history of credit, how it works, tips to keep in mind while building your credit score, and more.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    -

    Mentioned in the Episode

    • Consumer Finance statistic on 26M Americans being credit invisible: https://www.consumerfinance.gov/about-us/newsroom/cfpb-report-finds-26-million-consumers-are-credit-invisible/
    • How Your Credit is Calculated: https://www.equifax.com/personal/education/credit/score/how-is-credit-score-calculated/
    • Annual Credit Report: https://www.annualcreditreport.com/index.action
    • Credit Karma: https://creditkarma.com/
    • How to Save for Your Child's Future: https://link.chtbl.com/u7JzWqOz

    -

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    Does Early Retirement Still Work With 2023 Inflation? Featuring Bill Bengen Apr 12, 2023

    Bill Bengen, who established the 4% safe maximum withdrawal rate (the rule on which most of financial planning relies), is a straight shooter, and his perspective on whether or not we’re currently in uncharted waters surprised me.

    But fear not—there’s a little-discussed element of planning for early (as well as regular!) retirement that might be our saving grace. We’ll unpack that, too.

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    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • The 4% Rule by Bill Bengen: https://www.retailinvestor.org/pdf/Bengen1.pdf
    • Our previous episode on the 4% Rule: https://podcast.moneywithkatie.com/the-most-dangerous-misconceptions-about-the-4-safe-withdrawal-rate/

    —

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    Rich Girl Roundup: How to Save for Your Kids' Future Apr 10, 2023

    Whether it's for tuition expenses or weekly allowances, Katie and Henah chat through short-, middle-, and long-term strategies on saving for your children's future, including the 529, Roth IRA, and UGMA/UTMA for minors.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    -

    Mentioned in the Episode

    • Previous RGR on Teaching Kids About Money: https://youtu.be/Y2Y-cOAKBuM
    • Best Debit & Credit Cards for Kids (updated monthly): https://www.businessinsider.com/personal-finance/best-debit-card-for-kids
    • The 529 (Qualified Tuition Programs): https://www.irs.gov/taxtopics/tc313
    • UTMA & UGMA for Minors: https://www.nerdwallet.com/article/investing/utma-ugma

    -

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    Are Most Millionaires Actually “Self-Made”? Apr 05, 2023

    “Luck” is where opportunity meets preparation, right? Fantastic financial outcomes are the culmination of a lot of factors coalescing in a very specific way, but we tend to only focus on one: effort.

    So much American lore (and by extension, American…personal finance advice?) is constructed on the foundation of the self-made meritocracy.

    One such “statistic” that often gets touted in these conversations: Somewhere in the ballpark of 88% of US millionaires are “self-made.” But where does that figure come from? How was it determined? And where do its implications fall dangerously short?

    We chat with Shannon McNamara, host of the Fluently Forward podcast, all about it.

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    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • The Fluently Forward podcast: https://podcasts.apple.com/mk/podcast/fluentlyforward/id1589952385
    • Here's How 9 Billionaires Start Their Mornings, per Insider: https://www.businessinsider.com/billionaire-morning-routine-mornings-oprah-zuckerberg-bezos-musk-buffett-gates-2019-1
    • A History of Hating the Rich for the Saturday Evening Post: https://www.saturdayeveningpost.com/2020/02/a-history-of-hating-the-rich/
    • "88% of all millionaires are self-made," per US News: https://money.usnews.com/money/blogs/on-retirement/articles/7-myths-about-millionaires
    • 2017 Fidelity Investments Study: https://institutional.fidelity.com/app/proxy/content?literatureURL=/9884619.PDF
    • The National Study of Millionaires from Ramsey Solutions: https://www.ramseysolutions.com/retirement/the-national-study-of-millionaires-research
    • US Bureau of Labor Statistics on inheritances: https://www.bls.gov/osmr/research-papers/2011/pdf/ec110030.pdf
    • Hailey Baldwin Bieber on the Forbes 30 Under 30: https://people.com/style/hailey-bieber-lands-cover-of-forbes-30-under-30/
    • Kendall Jenner on work: https://www.refinery29.com/en-us/2018/08/207820/kendall-jenner-modeling-comments-response
    • Kendall Jenner on "having to fly all over Europe:" https://www.the-sun.com/entertainment/6416481/kendall-jenner-kardashian-out-touch-delusional-modeling-career/
    • Elon Musk on now-deleted Forbes article on his father's emerald mine: https://web.archive.org/web/20140802011449/http://www.forbes.com/sites/jimclash/2014/07/28/elon-musk-tells-me-his-secret-of-success-hint-it-aint-about-the-money/
    • 90% of millionaires are male: https://www.verdict.co.uk/90-percent-millionaires-male/
    • 8 Ways Rich People View the World Differently: https://www.cnbc.com/2016/10/11/8-ways-rich-people-view-the-world-differently-than-the-average-person.html

    —

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    Rich Girl Roundup: When Is Going "Off-Brand" Worth It? Apr 03, 2023

    One reader asks when is going to "off-brand" providers worth it (i.e., switching to Mint Mobile from a legacy provider, as Katie has). Katie and Henah chat through what to look for instead, what's worth keeping "on brand" for, and their own real life examples (Louis Vuitton vs. Coach, All Clad vs. DTC cookware brands, etc.).

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    -

    Read Money with Katie: https://moneywithkatie.com/


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    A Guaranteed Method for Hitting Your Goals: De-Compartmentalize Your Life Mar 29, 2023

    In a hyper-individualistic culture, it can feel like all the important parts of your life are at odds with one another: You may want to socialize regularly, spend time with family, save money, crush it at work, and exercise frequently, but as that one quippy girlboss coffee mug slogan reminds us: There are only 24 hours in the day (and something about Beyoncé).

    What’s an ambitious person to do, especially when the overwhelm of big goals makes you want to throw in the towel, melt into a Netflix puddle, and nap? There’s only one sustainable solution: integration.

    Learn more about our sponsor, TaxAct: https://www.taxact.com/moneywithkatie

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • New Year Annual Review: https://docs.google.com/document/d/1K2P_yL1Ah976P7MLicb55wgY2DY-39jP3Lvp810H6HQ/edit
    • Nat Eliason on De-Atomization: https://blog.nateliason.com/p/de-atomization-is-the-secret-to-happiness
    • Statistic on Single-Person Households in the US: https://www.statista.com/statistics/242022/number-of-single-person-households-in-the-us/

    —

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    Rich Girl Roundup: The Financial Benefits of Being Active-Duty Military Mar 27, 2023

    Katie's husband Thomas has been an active-duty US Air Force JAG since 2021, and we've received many questions over the years about military benefits and finances. Here's the TL;DR on the perks of being active-duty military or a dependent based on Katie's personal experience, from accessing VA loans to basic allowances for housing.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Learn more about our sponsor, Betterment: https://betterment.com/moneywithkatie

    -

    Mentioned in the Episode

    • Military Benefits for Active Duty and Veterans: https://www.benefits.gov/categories/Military%3A%20Active%20Duty%20and%20Veterans
    • VA Loan: https://www.va.gov/housing-assistance/home-loans/eligibility
    • VA Home Loan Process Checklist (Page 9): https://www.benefits.va.gov/HOMELOANS/documents/docs/VA_Buyers_Guide.pdf
    • The Reluctant Landlord: https://www.reluctantlandlord.net/
    • Military Pay & Pensions: https://www.usa.gov/military-pay
    • Thrift Savings Plan: https://www.dfas.mil/civilianemployees/employeebenefits/TSP/
    • Basic Allowances & Military Income: https://militarypay.defense.gov/pay/
    • Military Taxes & Residency: hrblock.com/tax-center/lifestyle/military/military-taxes-and-residency/
    • Military Health Insurance (TRICARE): https://www.tricare.mil/
    • Credit Card Benefits: https://www.americanexpress.com/us/help-support/service-members-civil-relief/

    -

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    Rich Girl Roundup: How to Prep For Layoffs Mar 24, 2023

    If you think you may be affected by a potential recession or upcoming layoff, we’re running through the best tips on navigating this uncertainty—from figuring out your cash “runway” to understanding your rights as an employee.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

    Learn more about our sponsor, Betterment: https://betterment.com/moneywithkatie

    Learn more about our sponsor, HOKA, and shop now for the HOKA Clifton 9: https://www.hoka.com/en/us/

    -

    Mentioned in the Episode

    • Financial Steps to Take If You Fear You May Lose Your Job: https://moneywithkatie.com/blog/prepare-for-losing-job-how-to
    • Severance negotiation: https://www.fastcompany.com/90723978/you-have-more-power-than-you-think-when-negotiating-a-severance-package
    • Financial karma and constructive paranoia: https://podcast.moneywithkatie.com/financial-karma-and-the-fall-of-the-fintwit-bro-empire-must-see-lessons-about-constructive-paranoia/

    -

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    The Hidden Costs of a Disability Mar 22, 2023

    It’s estimated that one in every four American 20-year-olds today will experience a disability before they turn 67, but a whopping 65% of workers in the private sector don’t carry long-term disability insurance (per our pals at the Social Security Administration).

    This week, I’m joined by two Rich Girls who are sharing their stories about the little-known financial implications of experiencing a disability unexpectedly—and early in life.

    Learn more about our sponsor, TaxAct: https://www.taxact.com/moneywithkatie

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • The Inclusive Traveler Instagram: https://www.instagram.com/theinclusivetraveler/
    • 1 in 4 adults in the US live with a disability: https://www.cdc.gov/ncbddd/disabilityandhealth/infographic-disability-impacts-all.html
    • Healthcare blog posts on Money with Katie: https://moneywithkatie.com/blog/category/healthcare

    —

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    Rich Girl Roundup: Splitting Finances With Your Partner Mar 17, 2023

    Tackling finances with your partner can be tricky: What if one of you earns substantially more? What if you have different philosophies about money? What if you're tired of the "roommate" model of splitting costs down the middle? Katie and Henah share their respective approaches on money with their partners, and what to keep in mind when combining accounts.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every Friday.

    Learn more about our sponsor, Betterment: https://betterment.com/moneywithkatie

    Learn more about our sponsor, HOKA, and shop now for the HOKA Clifton 9: https://www.hoka.com/en/us/

    -

    Mentioned in the Episode

    • Money with Katie blog on combining finances: https://moneywithkatie.com/blog/how-we-combined-finances-for-marriage
    • Money with Katie blog on how to consider combining money: https://moneywithkatie.com/blog/what-to-consider-when-combining-finances-with-your-partner

    -

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    Is the Old Approach to Retirement Broken? A Millennial Guide to Financial Planning Mar 15, 2023

    Retirement is a new concept in human history, but the way we fund retirement is even newer. After all, the 401(k) and IRA were legislated into existence less than fifty years ago. To assume a millennial or Gen Z retirement will look anything like a boomer retirement might be wishful thinking—so this week, we’re exploring what might be a better way to structure our financial (and life!) plans.

    Learn more about our sponsor, TaxAct: https://www.taxact.com/moneywithkatie

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • The Money with Katie 2023 Wealth Planner: https://moneywithkatie.com/new-2023-wealth-planner
    • The history of retirement: https://www.theatlantic.com/business/archive/2014/10/how-retirement-was-invented/381802/
    • 1978 legislation on the 401(k): https://www.gpo.gov/fdsys/pkg/STATUTE-92/pdf/STATUTE-92-Pg2763.pdf
    • Nat Eliason article on Type 1 and Type 2 fun: https://blog.nateliason.com/p/de-atomization-is-the-secret-to-happiness
    • Replacement rate for retirement income: https://www.troweprice.com/personal-investing/resources/insights/how-to-determine-amount-of-income-you-will-need-at-retirement.html
    • Bloomberg study on retirement: https://www.bloomberg.com/news/articles/2022-05-24/most-americans-say-1-1-million-they-need-to-retire-comfortably-is-out-of-reach?srnd=wealth-savings-and-retirement
    • The 4% rule for retirement: https://podcast.moneywithkatie.com/the-most-dangerous-misconceptions-about-the-4-safe-withdrawal-rate/
    • Average social security check: https://www.bankrate.com/retirement/average-monthly-social-security-check/
    • The earlier you start investing, the easier it will be: https://ofdollarsanddata.com/go-big-then-stop/
    • Study on having higher debt when earning more: https://www.washingtonpost.com/business/personal-finance/you-may-be-surprised-by-who-carries-the-most-credit-card-debt/2019/12/20/3ea084e8-20f7-11ea-86f3-3b5019d451db_story.html
    • Study from American Advisors Group on working in retirement: https://www.forbes.com/sites/palashghosh/2021/05/06/a-third-of-seniors-seek-to-work-well-past-retirement-age-or-wont-retire-at-all-poll-finds/?sh=5bda7b916b95
    • Compounding interest calculator: https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator

    —

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    Rich Girl Roundup: Balancing a Rewarding Job with Low Pay Mar 10, 2023

    "What if my dream job isn't lucrative? Is it worth finding something better or is it more valuable to stick around?" Both Katie and Henah have gone through this experience, and they reflect on how they balanced a job they loved and a lower-paying salary.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every Friday.

    Learn more about our sponsor, Betterment: https://betterment.com/moneywithkatie

    Learn more about our sponsor, HOKA, and shop now for the HOKA Clifton 9: https://www.hoka.com/en/us/

    -

    Mentioned in the Episode

    Money with Katie blog on "What if Your Dream Job Isn't Lucrative?": https://moneywithkatie.com/blog/what-if-your-dream-job-isnt-lucrative

    -

    Read Money with Katie: https://moneywithkatie.com/


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    Investment Taxes 101: Capital Gains, Dividends, Tax Loss Harvesting, & More Mar 08, 2023

    Short-term capital gains? Qualified dividends? Tax loss harvesting? Strap in, people, we’re taking a cruise down the chocolate river of all things investment taxes, and I’ll be your Wonka.

    Fear of taxes (or maybe just uncertainty) keeps people out of the game, and I think that’s a little bit like declining a raise because you don’t want to pay taxes on the incremental income—if you owe taxes on your investments, it probably means you made money in the first place.

    Learn more about our sponsor, TaxAct: https://www.taxact.com/moneywithkatie

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Tax-sheltered accounts: https://www.irs.gov/retirement-plans/irc-403b-tax-sheltered-annuity-plans
    • Capital gains & dividends: https://www.irs.gov/taxtopics/tc404
    • Capital gains tax rates: https://www.irs.gov/taxtopics/tc409
    • 2022-2023 capital gains tax rates: https://www.nerdwallet.com/article/taxes/capital-gains-tax-rates
    • Ordinary vs. qualified dividends: https://www.investopedia.com/ask/answers/12/how-are-capital-gains-dividends-taxed-differently.asp
    • Wash sale: https://turbotax.intuit.com/tax-tips/investments-and-taxes/5-situations-to-consider-tax-loss-harvesting/L06jlQWfl
    • Tax loss carryforward: https://www.sofi.com/learn/content/tax-loss-carryforward/

    —

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    10 Tips for Finding a Rental Mar 03, 2023

    Today's rental market is a bit...complicated to navigate. Will apartment prices go up or down? How can we find options in our budget Henah and Katie chat through 10 tips for renters today, from the best times of year to look to the most valuable apps and alerts to set up.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie).

    New episodes every Friday. Watch their full conversations here: https://www.youtube.com/playlist?list=PLHvvquEbj_eVTRet6cw2ZzhDux3lybWS8

    Learn more about our sponsor, Betterment: https://betterment.com/moneywithkatie

    Learn more about our sponsor, HOKA, and shop now for the HOKA Clifton 9: https://www.hoka.com/en/us/

    -

    Transcripts can be found at podcast.moneywithkatie.com.

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    Why Do Half of Young Adults Live with Their Parents? Mar 01, 2023

    The number of young adults living at home crested at 52% in July 2020, the highest number ever recorded (the former high was around 48%, following the Great Depression—yes, the 1930s).

    Understandably, this figure rocked the internet—and spawned a deluge of articles in the years since hypothesizing about the why and how. And while things have since “normalized” back to a level of around 47%, that figure is still—historically—high, and deserves a closer look.

    Learn more about our sponsor, TaxAct: https://www.taxact.com/moneywithkatie

    Learn more about our sponsor, Fidelity: https://fidelity.com/stocksbytheslice

    Learn more about our sponsor, Droplette: https://droplette.io/ and use promo code MONEYWITHKATIE for 50% off

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • USA Today fact check: https://www.usatoday.com/story/news/factcheck/2021/12/23/fact-check-47-american-young-adults-live-their-parents/8672598002/
    • Pew Research Center data: https://www.pewresearch.org/fact-tank/2020/09/04/a-majority-of-young-adults-in-the-u-s-live-with-their-parents-for-the-first-time-since-the-great-depression/ft_2020-09-04_livingwithparents_02/
    • Yahoo! Finance article: https://finance.yahoo.com/news/nearly-half-young-adults-us-073044507.html
    • Fortune article: https://fortune.com/2022/12/13/gen-z-young-millennials-way-afford-luxury-handbags-watches-living-mom-dad-morgan-stanley/
    • Millennial American Dream Pt 1: https://youtu.be/51S_SpHpPDk
    • Millennial American Dream Pt. 2: https://youtu.be/VbIQHrSAmsQ
    • Median home values: https://moneywithkatie.com/blog/are-houses-more-expensive-or-bigger
    • SHEcession & childcare: https://podcast.moneywithkatie.com/bonus-the-shecession-childcare-and-modern-motherhood-in-the-us/
    • Healthcare costs: https://moneywithkatie.com/blog/category/healthcare

    —

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    Should I Have A Side Hustle? Feb 24, 2023

    We often hear about side hustles as a "necessary" thing, but are they really? Katie and Henah chat through how to pick a side hustle based on your needs, skill set, and ambitions, while sharing their own experiences along the way.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions.

    Watch their full conversations here: https://www.youtube.com/playlist?list=PLHvvquEbj_eVTRet6cw2ZzhDux3lybWS8

    New episodes every Friday. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie) and select a few to answer.

    Transcripts can be found at podcast.moneywithkatie.com.

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    Think You Might Owe the IRS in April? 3 (Easy!) Ways to Lower Your Tax Bill Feb 22, 2023

    One of the trickiest things about investing in retirement accounts is that by the time you know how much you could’ve contributed for a tax break, it’s too late (e.g., you can only make 401(k) contributions through Dec. 31).

    But there are a few accounts in the tax-advantaged investing world that allow contributions right up until the tax deadline, making them incredible options for last-minute savings.

    After all, I prefer deductions that come from investing over deductions for spending: Why would I spend $100 to save $32 when I could invest (read: keep) $100 to save $32?

    Reminder: I’m not a licensed tax professional. Please consult your CPA and do your own research before making big money moves.

    Learn more about our sponsor, TaxAct: https://www.taxact.com/moneywithkatie

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • The Traditional IRA: https://www.irs.gov/retirement-plans/ira-deduction-limits
    • 3 Ways to Lower Your Tax Bill & Navigate Rollover IRA Forms: https://moneywithkatie.com/blog/3-ways-to-lower-tax-bill-rollover-ira-forms
    • 2022 & 2023 IRA deduction limits: https://www.irs.gov/retirement-plans/2023-ira-deduction-limits-effect-of-modified-agi-on-deduction-if-you-are-not-covered-by-a-retirement-plan-at-work
    • The Roth IRA: https://www.irs.gov/retirement-plans/roth-iras
    • Roth IRA Income Limitations: https://www.irs.gov/retirement-plans/plan-participant-employee/amount-of-roth-ira-contributions-that-you-can-make-for-2022
    • The Backdoor Roth IRA: https://www.youtube.com/watch?v=QTODFAUIBhY&ab_channel=MoneywithKatie
    • The Money with Katie Show on building a diversified portfolio: https://youtu.be/qTkVMGi3dFg
    • SEP IRA Contribution Limits: https://www.irs.gov/retirement-plans/plan-participant-employee/sep-contribution-limits-including-grandfathered-sarseps
    • Self-employment tax: https://www.ssa.gov/pubs/EN-05-10022.pdf
    • Solo 401(k) deadline: https://www.mysolo401k.net/solo-401k-faq-when-is-the-deadline-to-open-a-solo-401k-for-2022-and-make-2022-401k-contributions
    • High-Deductible Health Plans (HDHP): https://www.irs.gov/publications/p969
    • HSA Contribution Limits for 2022: https://www.fidelity.com/learning-center/smart-money/hsa-contribution-limits
    • Saving on FICA tax via the HSA: https://www.voya.com/voya-insights/importance-educating-employers-hsa-program-fica-savings

    —

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    Is College Worth it? Feb 17, 2023

    One reader asks: When is the cost of college worth it, given the high costs of tuition? Katie and Henah reflect on their own journeys, how the costs have ballooned over time, and other higher education options to consider.

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions.

    Watch their full conversations here: https://www.youtube.com/playlist?list=PLHvvquEbj_eVTRet6cw2ZzhDux3lybWS8

    New episodes every Friday. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie) and select a few to answer.

    Transcripts can be found at podcast.moneywithkatie.com.

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    Where's the Millennial Middle Class? Feb 15, 2023

    It’s a bit of a trope that the millennial generation has had a rough go of it, economically.

    After experiencing the Great Financial Crisis during their formative years, attending higher education during a massive debt-fueled student loan bubble, and entering adulthood while home prices were juiced higher and higher, the majority of millennials are now “behind pace,” financially speaking.

    In 2015, Pew Research conducted an interesting survey: It found that 89% of Americans considered themselves middle class. The survey then attempted to break down what middle class wealth actually looks like, landing on a median net worth of around $125,000 in today’s dollars.

    I was curious how many millennials had surpassed that threshold, and as it turns out, the answer is…not many.

    This episode was inspired by headlines about the impending “Great Wealth Transfer,” often positioned as a solution to millennials’ money woes. But will it be? Let’s dig in.

    Learn more about our sponsor, TaxAct: https://www.taxact.com/moneywithkatie

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Fervent Finance satirical tweet: https://twitter.com/ferventfinance/status/1605581737651683330
    • Organization for Economic Cooperation and Development (OECD): https://data.oecd.org/inequality/income-inequality.htm
    • 2019 Federal Reserve Survey of Consumer Finances: https://www.federalreserve.gov/econres/scfindex.htm
    • 2015 Pew Research Study on the American Middle Class: https://www.pewresearch.org/social-trends/2015/12/09/the-american-middle-class-is-losing-ground/
    • Are Rich People Better Than You? Why Everything We Think We Know About Good Economics Might be Backward, With Nick Hanauer: https://podcast.moneywithkatie.com/are-rich-people-better-than-you-why-everything-we-think-we-know-about-good-economics-might-be-backward-with-nick-hanauer/
    • Bridget Casey's "There Is No Such Thing as a Millennial Middle Class": https://www.theglobeandmail.com/investing/personal-finance/young-money/article-there-is-no-such-thing-as-a-millennial-middle-class/
    • The Federal Reserve Analysis on intergenerational wealth: https://www.federalreserve.gov/econres/notes/feds-notes/how-does-intergenerational-wealth-transmission-affect-wealth-concentration-20180601.html
    • Will ‘the Great Wealth Transfer’ Trigger a Millennial Civil War?: https://nymag.com/intelligencer/2021/07/will-the-great-wealth-transfer-spark-a-millennial-civil-war.html
    • Visuali Capitalist chart on upward mobility: https://www.visualcapitalist.com/the-decline-of-upward-mobility-in-one-chart/
    • Coldwell Banker Luxury Report: https://blog.coldwellbankerluxury.com/wp-content/uploads/2019/10/CBGL-Millennial-Report_SEP19_FINAL-4a.1-1-1.pdf
    • Not All Millennials | Generational Wealth and the New Inequality: https://www.thedriftmag.com/not-all-millennials/

    —

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    Does Work/Life Balance in Your 20s Hurt Your Career? Feb 10, 2023

    "Work-life balance in your 20s is an easy way to guarantee a mediocre career."

    After seeing a tweet that made this statement and sharing on the Money with Katie Instagram (https://www.instagram.com/p/Cn2FFo2OqUw/), Katie and Henah chat through the topic, ask what "work/life balance" and "mediocrity" truly mean, and run through some of the Instagram responses they've seen.

    -

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions.

    Watch their full conversations here: https://www.youtube.com/playlist?list=PLHvvquEbj_eVTRet6cw2ZzhDux3lybWS8

    New episodes every Friday. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie) and select a few to answer.

    Transcripts can be found at podcast.moneywithkatie.com.

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    Financial Karma and the Fall of the FinTwit Bro Empire: Must-see Lessons about Constructive Paranoia Feb 08, 2023

    From a controversial billionaire’s new title to lawsuits and arrests galore, 2021’s “Golden Age of Grift” (as dubbed by Jack Raines) officially transitioned to the Era of Financial Karma in 2022.

    In this week’s episode, we rattle off some of the most illustrative downfalls—those most emblematic of our new bearish economic environment.

    Do we indulge this walk down memory lane because we’re schadenfreude junkies? No, not quite—there’s a lot to learn from this most recent 24-month hype cycle, including some “regular people” lessons about financial fragility.

    Learn more about our sponsor, TaxAct: https://www.taxact.com/moneywithkatie

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • The Golden Age of Grift: https://youngmoneyweekly.substack.com/p/the-golden-age-of-grift
    • Tesla is Ringing in the New Year with a 10% Weekly Loss: https://www.marketwatch.com/story/tesla-is-ringing-in-the-new-year-with-a-10-weekly-loss-11673028845
    • Andrew Tate on "Why Reading Makes You Look Stupid": https://www.youtube.com/watch?v=tyuMjpLrCLs&ab_channel=SirSic
    • Nick Maggiulli's Of Dollars and Data on Atlas Trading and Trading Games: https://ofdollarsanddata.com/trading-games/
    • New York Post piece on G-Wagons: https://nypost.com/2022/11/28/crypto-bros-offloading-g-wagons-luxury-cars-amid-ftx-crash/
    • Tesla's PE Ratio from 2010-2022: https://www.macrotrends.net/stocks/charts/TSLA/tesla/pe-ratio
    • 70% of Rich Families Lose Their Wealth by the Second Generation: https://money.com/rich-families-lose-wealth/
    • Nick Maggiulli's Of Dollars and Data on The Double-Edged Sword: https://ofdollarsanddata.com/the-double-edged-sword/
    • Sequoia Capital's Don Valentine: https://twitter.com/Lion_Investor1/status/1419833443953913867?lang=en
    • A Third of Americans Earning $250,000/Year Are Living Paycheck to Paycheck: https://www.essence.com/news/money-career/high-earning-americans-living-paycheck-to-paycheck/

    —

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    How to Maximize Your Credit Card Points Feb 03, 2023

    Understanding the "points system" for credit card rewards can be confusing. But it doesn't have to be! Here's how Katie and Henah maximize their own points, which cards they personally use, and how they redeem them for travel. For more information, check out our guide on How to Travel for Free with Credit Card Points: https://moneywithkatie.com/travel-credit-cards

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions.

    Watch their full conversations here: https://www.youtube.com/playlist?list=PLHvvquEbj_eVTRet6cw2ZzhDux3lybWS8

    New episodes every Friday. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie) and select a few to answer.

    Transcripts can be found at podcast.moneywithkatie.com.

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    Your Guide to Stock Options: ESPPs, RSUs, and ISOs (That Won't Make You Take a Nap) Feb 01, 2023

    Whether you’ve got access to an ESPP (Employee Stock Purchase Program) at work and aren’t sure if it’s worth your time, or your new offer includes compensation via RSUs and ISOs, this week is dedicated to you. Strap in for a ride through Jargonarnia.

    This week, I welcomed James Conole and Scott Frank—hosts of Real Personal Finance and holders of the prestigious CFP and CFA designations—to the show to help me break down this complicated world.

    They had some excellent tips that you won’t want to miss. For example, pretend your RSUs are cash—would you use a cash bonus to buy company stock? If not, sell ’em.

    Let's get into it.

    Learn more about our sponsor, TaxAct: https://www.taxact.com/moneywithkatie

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Human Capital Study on Employee Stock Purchase Plans: https://humancapital.aon.com/insights/articles/2020/how-common-are-employee-stock-purchase-plans-it-varies-widely-by-demographics
    • The Risks of Employee Stock Purchase Programs: https://moneywithkatie.com/blog/the-risks-of-employee-stock-purchase-programs
    • Morgan Stanley Guide to ESPPs: https://www.morganstanley.com/atwork/themes/equity-compensation/how-does-espp-work-your-guide
    • Pros and Cons to RSUs: https://www.investopedia.com/terms/r/restricted-stock-unit.asp
    • RSUs: The Basics: https://www.schwab.com/public/eac/resources/articles/rsu_basics.html
    • My Company Stock Options are Worthless: https://www.washingtonpost.com/business/2022/08/04/company-stock-options/
    • These Startup Workers Thought Their Company Stock Would Make Them Rich. Instead They Got Worthless Shares and Massive Tax Bills: https://slate.com/business/2015/12/good-technology-workers-thought-their-stock-would-make-them-rich-nope.html
    • Amazon Lost Half its Value this Year As Tech Stocks Got Crushed and Recession Fears Grew: https://www.cnbc.com/2022/12/29/amazon-shed-half-its-value-in-2022-as-tech-stocks-got-crushed.html
    • Incentive Stock Options (ISOs): Everything to Consider: https://www.nerdwallet.com/article/investing/isos
    • What is the Alternative Minimum Tax (AMT)?: https://taxfoundation.org/tax-basics/alternative-minimum-tax-amt/

    —

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    When Should I Start to "Give Back?" Jan 27, 2023

    When should I prioritize giving back alongside my long-term financial goals? Should I do lump sum or space it out over the long haul?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions.

    Watch their full conversations here: https://www.youtube.com/playlist?list=PLHvvquEbj_eVTRet6cw2ZzhDux3lybWS8.

    New episodes every Friday. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie) and select a few to answer.

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    Upgrading Your Lifestyle: Realistic, Targeted Financial Goal-Setting Jan 25, 2023

    This 20-minute rundown is about an (accidental) three-year study I ran on myself.

    Back in 2020, I was subjected to hours of content encouraging me to use the “great pause” of a global panini to reassess my entire life. Challenge accepted.

    At the time, I wrote one of my very first blog posts for a fledgling Money with Katie site, describing all the ways I’d like to level up my lifestyle—the little ways money could buy happiness.

    I revisited this exercise from my 2023 vantage point and had two major realizations: For starters, most of it came true. Some of it felt the way I thought it would…but a lot of it didn’t.

    So how can we set financial goals in a way that’ll actually produce the desired feelings we’re striving for? Tune in to find out.

    Learn more about our sponsor, TaxAct: https://www.taxact.com/moneywithkatie

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Getting Clear on Your Lifestyle Upgrade: https://moneywithkatie.com/blog/getting-clear-on-the-lifestyle-upgrade
    • Life is a Picture, But You Live in a Pixel: https://waitbutwhy.com/2013/11/life-is-picture-but-you-live-in-pixel.html
    • How to Balance Money & Friendships: https://podcast.moneywithkatie.com/money-friendships-and-quality-of-life-spending-on-high-roi-activities-experiences/

    —

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    How Can We Talk To Boomers About Money? Jan 20, 2023

    One listener asks, "How do we navigate money conversations with Boomers who still are stuck on age old concepts of how to make money (buy a house, kids are your biggest asset, real estate is the best investment, etc.)?"

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Approaching money conversations inter-generationally can be a challenge, as times have rapidly changed and older wealth building concepts may not be as relevant anymore. How can we talk about it with the older folks in our lives and share what's different (i.e., higher costs of living but easier access to financial technology)?

    Watch their full conversation here: https://www.youtube.com/@MoneywithKatie

    New episodes every Friday.

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    The Monetization of Self: Personal Brands and the Business of Influencing Jan 18, 2023

    21-year-old high school dropout Emma Chamberlain earned $12 million in 2021. How’d she do it? Glad you asked. She’s a successful YouTuber who parlayed her internet prominence into major brand deals (and a coffee company).

    When I stumbled across a Bloomberg piece that cited “86% of young Americans” embrace the idea of becoming an influencer, I knew I had to do a deep dive on this wild west of a career field (and the careers these young people are leaving behind to pursue it, like teaching and nursing). Even non-influencers tend to manage their “self” as it’s presented online, as there’s a perceived connection between the presentation of your “online self” and your ability to earn money.

    Learn more about our sponsor, TaxAct: https://www.taxact.com/moneywithkatie

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • Influencer Nation: 86% of Young Americans Want to Become One: https://www.bloomberg.com/news/articles/2019-11-05/becoming-an-influencer-embraced-by-86-of-young-americans?leadSource=uverify%20wall
    • The Brand Called You: https://www.fastcompany.com/28905/brand-called-you
    • Forbes' Top Creators of 2022: https://www.forbes.com/sites/alexandrasternlicht/2022/09/06/top-creators-2022/?sh=2a4b1e1567a1
    • Alex Cooper is Coming for Joe Rogan's Spot: https://www.nytimes.com/interactive/2022/05/23/magazine/alex-cooper-interview.html

    —

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    How Much Should We *Really* Be Tipping? Jan 13, 2023

    One listener points out that we're prompted to tip everywhere nowadays, including in clothing stores. Should we be tipping every time? If so, what feels reasonable?

    Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. In this week's conversation, Katie and Henah cover the history of tipping, what feels appropriate, and the judgements behind tip prompts. Watch their full conversation here: https://www.youtube.com/@MoneywithKatie

    New episodes every Friday.

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    Breaking Down BlackRock’s 2023 Investor Guide: 3 Tips for Investing This Year Jan 11, 2023

    Did somebody say paradigm shift?

    For the first time in more than a decade, the investing world is undergoing a fundamental shift. In the midst of a new interest rate regime, my guest Kristy Akullian (BlackRock investment strategist extraordinaire) joins me to unpack the implications of what the Fed’s moves—and broader economic conditions—might mean for markets.

    Hint: There’s probably an asset class or two partially or totally absent from your portfolio right now, thanks to the overwhelming S&P 500 dominance of the last 10 years.

    Learn more about our sponsor, TaxAct: https://www.taxact.com/moneywithkatie

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • BlackRock 2023 iShares Investor Guide: https://www.ishares.com/us/insights/ishares-2023-year-ahead-investor-guide#theme-1
    • The "Pain" of a Forced Recession is Mostly Intended for the 90%: https://moneywithkatie.com/blog/the-pain-of-a-forced-recession-is-intended-for-the-90-percent
    • How to Build a Diversified Portfolio: https://podcast.moneywithkatie.com/how-to-construct-a-diversified-stock-portfolio-of-major-index-funds/
    • $1.2 Trillion Bipartisan Infrastructure Investment and Jobs Act: https://www.whitehouse.gov/bipartisan-infrastructure-law/

    —

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    Should I Stop Loaning Money to Friends? Jan 06, 2023

    Welcome to a new kind of #RichGirlRoundup! We're trying a new format, where my Executive Producer Henah and I will pick a burning money question and discuss our answers. These new mini-episodes will drop every Friday, and every so often, we'll put out a call for questions on Instagram (@moneywithkatie) and select a few to answer.

    For our first conversational RGR, we have a spicy (and very complex question): My friends and family keep asking me for money. What should I do?

    Katie and Henah chat through their framework for loaning out money, how to politely decline, and the cultural and familial obligations associated with money. You can also watch the full conversation over the Money with Katie YouTube: https://youtube.com/moneywithkatie

    —

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    Money, Friendships, and Quality of Life: Spending on “High ROI” Activities & Experiences Jan 04, 2023

    This episode was inspired by a conversation I had with two other financial talking heads about how backwards it is to strip your life of all joy in the pursuit of saving every penny: “I’m not sure what they’re optimizing their lives for,” one said, “But it obviously isn’t ‘happiness.’”

    Friends, I plunked down in the chair after that and wrote for three hours straight (then decided I hated the first draft and basically rewrote the entire thing)—and the result was this episode.

    Take a trip with me to the fictional town of Ramseyville (I’m the HOA president, in this analogy) and let’s explore the ways in which the road to hell is paved with good intentions.

    Learn more about our sponsor, TaxAct: https://www.taxact.com/moneywithkatie.

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • 15 Things Poor People Do That The Rich Don't: https://www.youtube.com/watch?v=nllZrOoxpzc
    • Why I Don't Eat Out At Restaurants, Even As A Millionaire: https://www.youtube.com/watch?v=OWYG_ECNyYk
    • How Your Daily Coffee Habit Is Costing You $1 Million: https://www.youtube.com/watch?v=z5pW7bFcVN4
    • Jack Raines on The Money Value of Time: https://www.youngmoney.co/p/money-value-time

    —

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    The Best Mic Drops of 2022: 5 Financial Truths for 2023 Dec 28, 2022

    When we were plotting our content for the last week of the year, our executive producer Henah had the brilliant idea of revisiting some of our most powerful mic drop moments from our 52 (!) episodes of The Money with Katie Show this year. We identified 5 of the best truths to carry forward into the new year.

    And since our entire team produced the original episodes, we figured it’d be fun to include everyone’s perspectives on these favorite clips. Whether you’ve diligently downloaded every episode or just started listening last week, this roundup is sure to get your mind right headed into 2023.

    Thanks to Henah, Christie, Sebastian, and Kate for joining me for this episode.

    Learn more about our sponsor, Vin Social: http://vinsocialvip.com/.

    Transcripts can be found at podcast.moneywithkatie.com.

    —

    Mentioned in the Episode

    • The Stock Market Now & in 2023 with Liz Young: https://podcast.moneywithkatie.com/whats-coming-in-2023-the-federal-reserve-bond-markets-and-investing-in-volatility/
    • The Most Dangerous Misconceptions About the 4% Safe Withdrawal Rate: https://podcast.moneywithkatie.com/the-most-dangerous-misconceptions-about-the-4-safe-withdrawal-rate/
    • Rent vs. Buy in 2022: https://podcast.moneywithkatie.com/the-rent-vs-buy-decision-in-2022s-interest-rate-environment-and-lofty-market/
    • NYT Is it Better to Rent or Buy: https://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html?mtrref=www.google.com&assetType=PAYWALL&mtrref=www.nytimes.com&gwh=18CCF12ECC1502F6CDD50CDCD55B6B3B&gwt=regi&assetType=REGIWALL
    • Millennials and the American Dream Part 1: https://podcast.moneywithkatie.com/part-1-money-millennials-and-the-american-fever-dream/
    • Millennials and the American Dream Part 2: https://podcast.moneywithkatie.com/pt-2-millennials-money-the-bizarre-american-fever-dream-the-role-of-personal-finance-education-our-collective-expectation-hangover/
    • The Paradox of Riches: https://moneywithkatie.com/blog/the-paradox-of-riches-being-poor-is-expensive
    • Financial Fear: Good or Bad: https://podcast.moneywithkatie.com/how-your-money-anxiety-might-actually-help-build-wealth/
    • Don't Quit Your Day Job with Cinneah El-Amin: https://podcast.moneywithkatie.com/40000-to-200000-in-5-years-dont-quit-your-day-job-with-cinneah-el-amin/
    • Building a Six-Figure Side Hustle: https://podcast.moneywithkatie.com/building-a-six-figure-side-hustle-monetizing-content-budgeting-with-variable-income/
    • To Prenup or Not to Prenup with Kim Davis: https://podcast.moneywithkatie.com/to-prenup-or-not-to-prenup-with-the-fiscal-feminist-kim-davis/
    • Are Rich People Better Than You with Nick Hanauer: https://podcast.moneywithkatie.com/to-prenup-or-not-to-prenup-with-the-fiscal-feminist-kim-davis/
    • Bootstrapping #Fail: https://podcast.moneywithkatie.com/bootstrapping-fail-why-the-american-solution-to-systemic-problems-keeps-falling-short/
    • Confessions of a Reformed Materialist: https://podcast.moneywithkatie.com/confessional-materialism-worthiness-and-financial-discipline/
    • How to Become a Millionaire in 10 Years or Less: https://podcast.moneywithkatie.com/how-to-become-a-millionaire-in-10-years-or-under-oh-and-market-timing/

    —

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    How to Become a Millionaire in 10 Years: High Cost-of-Living Edition Dec 21, 2022

    How much money do you have to earn in a HCOL area to become a millionaire in 10 years or fewer?

    A few months ago, we released an episode about how much someone would need to earn (and spend) to go from $0 to a seven-figure net worth in a decade, and a few of our listeners from NYC and the Bay Area said, “Good try, but can you triple the spending and redo this?”

    I’m nothing if not accommodating, and the question brought up a whole new topic for me: Is living in high cost-of-living areas worth it? Moreover, how much do you really need to earn in, say, Manhattan to avoid slowing your financial progress? If you don’t earn that much, how far “behind” are you likely to be? We’re diving in.

    Learn more about our sponsor, Vin Social: http://vinsocialvip.com/.

    Transcripts can be found at https://www.podpage.com/money-with-katie-show/.

    —

    Mentioned in the Episode

    • How to Become a Millionaire in 10 Years or Under: https://podcasts.apple.com/us/podcast/the-money-with-katie-show/id1589146097?i=1000581637513
    • Cost of Living Calculator: https://www.nerdwallet.com/cost-of-living-calculator
    • Investopedia's 10 Most Expensive Cities in the US: https://www.investopedia.com/articles/personal-finance/080916/top-10-most-expensive-cities-us.asp
    • 2022 Cost of Living in New York City: https://www.bankrate.com/real-estate/cost-of-living/nyc/
    • Median Sales Price of Houses Sold in US: https://fred.stlouisfed.org/series/MSPUS
    • New York State Income Tax Rates: https://www.nerdwallet.com/article/taxes/new-york-state-tax#:~:text=New%20York%20City%20and%20Yonkers,%2C%203.819%25%20and%203.876%25.
    • Federal Income Tax Calculator: https://smartasset.com/taxes/income-taxes#o4yUBvQUcN
    • What Is the True Cost of Living in New York City: https://smartasset.com/mortgage/what-is-the-cost-of-living-in-new-york-city
    • No, The Rich Are Not All Moving to the City Now: https://grist.org/cities/no-the-rich-are-not-all-moving-to-the-city-now/
    • Are Houses More Expensive Today, or Way Bigger: https://moneywithkatie.com/blog/are-houses-more-expensive-or-bigger
    • 2023 Wealth Planner: https://moneywithkatie.com/new-2023-wealth-planner

    —

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    Your First 90 Days in a New Role: Setting Yourself Up for Success Dec 14, 2022

    I’ve onboarded to four different companies in the last five years (long story), and there’s one common throughline that knits together the experiences: The first month of HR paperwork and getting the lay of the land is stressful as hell.

    In this week’s episode, we’re diving into the major pieces to get right (setting up employer-sponsored retirement account contributions, the “use it or lose it” benefits at your old job, and other consequential-but-tedious administrative stuff). My guest, career coach Eliana Goldstein, is joining me to discuss how to absolutely crush the first 90 days of your new job—everything from internal networking to key conversations to fast-tracking promotions.

    Learn more about our sponsor, Vin Social: http://vinsocialvip.com/.

    Transcripts can be found at https://www.podpage.com/money-with-katie-show/.

    —

    Mentioned in the Episode

    • How to Find a Well-Paying Career You Love: Interview with Millennial Success Coach Eliana Goldstein: https://podcasts.apple.com/us/podcast/the-money-with-katie-show/id1589146097?i=1000543587593
    • SmartAsset Federal Income Tax Calculator: https://smartasset.com/taxes/income-taxes
    • How to Start Investing Successfully with Just Two Funds: https://podcasts.apple.com/us/podcast/the-money-with-katie-show/id1589146097?i=1000562135184
    • How I’m Budgeting for Healthcare in the United States in the Least Frustrating Way: https://moneywithkatie.com/blog/how-im-budgeting-for-healthcare-in-the-united-states-in-the-least-frustrating-way
    • Eliana Goldstein’s Career Upgrade Course (discount code is MWK100 for $100 off for listeners!): https://www.elianagoldsteincoaching.com/course

    —

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    Self-Care Culture is Making Us Broke, with Chelsea Fagan Dec 07, 2022

    It was only a matter of time before The Money with Katie Show tackled the Goopification of wellness (even “wellness” seems like a term that’s been co-opted in the last decade). In the US, this industry is worth $212 billion—and growing 11% annually. People be spendin’ some money.

    What if commercialized self-care is really just a millennial pink Band-aid for the problems endemic to our hyperspeed lives? Are we trapped in a cycle of deadlines and bath bombs and existential dread? (Just me?)

    This week’s episode explores the commodified self-care industrial complex and how it’s awfully reminiscent of other industries marketed specifically toward women, but with the purported benefit of being ~good for you~.

    Learn more about our sponsor, Vin Social: http://vinsocialvip.com/.

    Transcripts can be found at https://www.podpage.com/money-with-katie-show/.

    —

    Mentioned in the Episode

    • High-maintenance spending habits: https://moneywithkatie.com/blog/high-maintenance-is-expensive-how-i-went-from-a-320mo-girly-budget-to-a-negligible-one
    • That Girl: Wellness Shouldn't Be Work: https://www.youtube.com/watch?v=0hVlxNGPvDo
    • Wellness industry analysis: https://www.statista.com/outlook/dmo/ecommerce/beauty-health-personal-household-care/personal-care/worldwide
    • Aisha Harris's A History of Self-Care: http://www.slate.com/articles/arts/culturebox/2017/04/the_history_of_self_care.html
    • Global Wellness Economy: https://www.hospitalitynet.org/news/4108643.html
    • Millennials and the American Dream: https://podcasts.apple.com/us/podcast/the-money-with-katie-show/id1589146097?i=1000578662240
    • What is the American Dream Now?: https://podcasts.apple.com/us/podcast/the-money-with-katie-show/id1589146097?i=1000579420509
    • Bootstrapping #Fail: Why the American "Solution" to Systemic Problems Keeps Falling Short: https://podcasts.apple.com/us/podcast/the-money-with-katie-show/id1589146097?i=1000582372410
    • Statistic on adult anxiety disorders in the US: https://www.nami.org/About-Mental-Illness/Mental-Health-Conditions/Anxiety-Disorders
    • Chelsea Fagan's 7 Common Self-Care Tips That Actually Make You More Stressed: https://www.youtube.com/watch?v=CfkM6pM6HvI
    • U.S. News & World Report survey on financial anxiety in Americans: https://money.usnews.com/credit-cards/articles/two-thirds-of-americans-experiencing-financial-anxiety#:~:text=Survey%3A%20More%20Than%2067%25%20Are,Anxiety%20%7C%20Credit%20Cards%20%7C%20U.S.%20News
    • Research on poverty & the developing brain: https://dana.org/article/poverty-and-the-developing-brain/#:~:text=Children%20growing%20up%20in%20poverty,adaptive%20behavior%20patterns%2C%20and%20learning.
    • Financial Independence Tracker: https://moneywithkatie.com/new-2023-wealth-planner

    —

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    How To Prioritize Where You’re Investing (And Why!) Nov 30, 2022

    Finally defeated your high-interest debt and got your cash flow under control? This week’s episode is for you, baby!

    If the 401(k) vs. IRA vs. HSA vs. everything else conundrum has you frozen with indecision, look no further than this week’s podcast episode for a framework that’ll help clarify these types of decisions so you can move forward with confidence in the new year.

    Even if you feel like you’ve got a relatively good grip on your investment strategy, this refresher may help you consider things in a new (and more lucrative!) way.

    Learn more about our sponsor, Vin Social: http://vinsocialvip.com/.

    Transcripts can be found at https://www.podpage.com/money-with-katie-show/.

    —

    Mentioned in the Episode

    • The Traditional 401(k) vs. Roth 401(k) Debate: https://moneywithkatie.com/blog/the-final-traditional-vs-roth-debate-traditional-wins
    • Roth IRA Conversion Ladder Discussed in Episode 36: https://www.podpage.com/money-with-katie-show/deep-dive-set-yourself-up-to-pay-no-penalties-or-taxes-in-early-retirement/
    • The Math Behind Early Retirement: https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/
    • Research on the Human Psychology Behind Loss Aversion: https://www.verywellmind.com/negative-bias-4589618
    • 2021-2022 Roth IRA Contribution Limits: https://www.schwab.com/ira/roth-ira/contribution-limits#:~:text=If%20you%20file%20taxes%20as,214%2C000%20for%20the%20tax%20year
    • Demographic Survey on HSAs: https://www.benefitspro.com/2021/08/20/hsas-in-the-usa-5-states-where-theyre-used-the-most-5-the-least/?slreturn=20221029084558#:~:text=As%20of%20December%2031%2C%202020,the%20end%20of%20the%20year.


    —

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    My Income Journey: From <$20,000 to Nearly $400,000 in 5 Years Nov 23, 2022

    I have been—by all accounts—incredibly fortunate in my career thus far, but there are a few distinct takeaways I notice when I reflect on the last five years.

    Since I went to a public state university and studied communications (not exactly a field with investment banking-level compensation), I figured I’d be a median earner forever.

    Discovering the art of the side hustle (and freelancing, contract work, and online businesses) sent me down a meandering path of trial and error that I’m recounting on the show today.

    When I started working, I earned $12/hour, which transitioned later to a full-time salary of $52,000. By 2021, as a 26-year-old with no advanced degree, my total cobbled-together income encroached on $400,000.

    Looking back on it, I realize: The rules are fake. You don’t need to study finance or medicine at Harvard to make good money (though to be fair, I’m sure those things make it a lot easier). Regardless, it’s my hope that something in this episode will spark something useful for you.

    Learn more about our sponsor, Vin Social: http://vinsocialvip.com/.

    Transcripts can be found at https://www.podpage.com/money-with-katie-show/.

    —

    Mentioned in the Episode

    • Money with Katie's 2023 Wealth Planner: https://moneywithkatie.com/new-2023-wealth-planner
    • Study on students who graduate from college without any debt: https://www.aplu.org/our-work/5-archived-projects/college-costs-tuition-and-financial-aid/publicuvalues/publicuvalues-resources/student-debt-by-the-numbers.pdf
    • Building a Six-Figure Side Hustle episode: https://www.podpage.com/money-with-katie-show/building-a-six-figure-side-hustle-monetizing-content-budgeting-with-variable-income/
    • The Role of Luck in Financial Outcomes: https://moneywithkatie.com/blog/how-a-traffic-stop-changed-my-life-luck-randomness

    —

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    Are Rich People Better Than You? Why Everything We Think We Know About Good Economics Might Be Backward, With Nick Hanauer Nov 16, 2022

    It turns out Americans have been asking the wrong question: It's not, “What’s the difference between the ‘haves’ and the ‘have nots,’” but rather…“How did those in the 0.1% end up having it all?”

    To paraphrase my guest, entrepreneur and venture capitalist Nick Hanauer (https://nickhanauer.com/), “How do [rich people like me] manage to grab an ever-increasing piece of the pie? Is it because rich people are smarter than we were 30 years ago? Is it that we’re working harder than we once did? Are we taller? Better-looking? Sadly, no. It all comes down to one thing: economics.”

    My thesis? Capitalism is the economic system that creates wealth, and good economic policy is what ensures that all that wealth doesn’t accrue to a very small group of people.

    Learn more about our sponsor, Vin Social: http://vinsocialvip.com/.

    Transcripts can be found at https://www.podpage.com/money-with-katie-show/.

    —

    Mentioned in the Episode

    • Nick Hanaeur's TED Talk "The Dirty Secret of Capitalism": https://www.youtube.com/watch?v=th3KE_H27bs
    • Jacob Hacker & Paul Pierson's The Winner-Take-All Economy: How Washington Made the Rich Richer and Turned Its Back on the Middle Class: https://politicalscience.yale.edu/publications/winner-take-all-politics-how-washington-made-rich-richer-and-turned-its-back-middle
    • Jared Bernstein & Karen Kornbluh's paper “Running Faster to Stay in Place: The Growth of Family Work Hours and Incomes": https://www.upi.com/Business_News/2004/07/20/Workers-put-in-more-hours-just-to-keep-up/79691090369058/
    • Reaganomics, FDR, & deregulation: https://origins.osu.edu/history-news/time-end-deregulation?language_content_entity=en
    • "Reaganomics Killed America's Middle Class" from Salon: https://www.salon.com/2014/04/19/reaganomics_killed_americas_middle_class_partner/
    • Marginal tax rates in 2022: https://www.nerdwallet.com/article/taxes/federal-income-tax-brackets
    • CEO pay 300x the average worker: https://aflcio.org/paywatch
    • Reagan quotes via the Reagan Foundation: https://www.reaganfoundation.org/ronald-reagan/reagan-quotes-speeches
    • "The Myth of the Welfare Queen" from The New Republic: https://newrepublic.com/article/154404/myth-welfare-queen
    • The Commodity Futures Modernization Act & the 2008 financial crisis: https://scholarship.law.cornell.edu/facpub/723/
    • The 2000-2001 California electricity crisis: https://www.ppic.org/wp-content/uploads/content/pubs/report/R_103CWR.pdf
    • "Voodoo economics": https://www.investopedia.com/terms/v/voodooeconomics.asp
    • US GDP & tax revenue in the 1980s: https://fred.stlouisfed.org/series/GDP
    • Wealth inequality & GDP growth from OECD: https://www.oecd.org/newsroom/inequality-hurts-economic-growth.htm
    • Federal debt under Reagan: https://mises.org/library/sad-legacy-ronald-reagan-0
    • Revolve's Gestalt University: https://podcasts.apple.com/us/podcast/resolves-gestalt-university/id1463123745?i=1000510150469
    • RAND Corporation on wealth transfers: https://www.rand.org/pubs/working_papers/WRA516-1.html
    • "The Prosperity Gospel, Explained" from Vox: https://www.vox.com/identities/2017/9/1/15951874/prosperity-gospel-explained-why-joel-osteen-believes-prayer-can-make-you-rich-trump
    • "Amazon Denies Workers Pee in Bottles. Here Are the Pee Bottles" from Vice: https://www.vice.com/en/article/k7amyn/amazon-denies-workers-pee-in-bottles-here-are-the-pee-bottles
    • Nick Hanauer in The New Republic, "Biden's Plan to Tax Rich People Like Me is the Best Way to Grow the Economy": https://newrepublic.com/article/163852/tax-rich-people-grow-economy

    —

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    Expensive Open Enrollment Mistakes to Avoid: Making the Best of a Bad System Nov 09, 2022

    HMO or PPO? Go for the high-deductible health plan, or accept the higher premiums? Opt for the copay or coinsurance model? Can you trust the little brochures that subtly guide you to a “lower-cost” option, or are those marketing materials? How does healthcare use big data to offload more of your medical costs onto you?

    It’s fascinating that personal finance content doesn’t focus more on navigating the US healthcare marketplace—after all, just one mistake that leaves you underinsured can wipe out months (if not years) of accumulated savings from buying store-brand options and trimming back on subscriptions. When your out-of-pocket maximum is more than $10,000, the stakes are high.

    My guest this week, Sarah Khan of My Voice My Health, is a healthcare executive by day and a patient advocate by night. She answers all my questions with a level of insight I hadn’t considered before, and they’re sure to help you make the best choices this open enrollment season.

    And in this week's Rich Girl Roundup, we talk about if pausing your investment contributions in a bear market is the right move.

    To learn more about our sponsor, Vin Social, check out http://vinsocialvip.com/.

    Episode transcripts can be found at https://www.podpage.com/money-with-katie-show/.

    —

    Mentioned in the Episode

    • Check out Sarah's healthcare open enrollment cheat sheet: https://www.myvoicemyhealth.com/openenrollment
    • Open enrollment with Healthcare.gov: https://www.healthcare.gov/
    • Money with Katie post on How I'm Budgeting for Healthcare in the US in the Least Frustrating Way: https://moneywithkatie.com/blog/how-im-budgeting-for-healthcare-in-the-united-states-in-the-least-frustrating-way
    • Money with Katie episode on Navigating the US Healthcare System without Getting Financially F***ed: https://podcast.moneywithkatie.com/navigating-the-us-healthcare-system-without-getting-financially-fed/
    • Money with Katie post on 3 Myths about Single-Payer Healthcare Systems: https://moneywithkatie.com/blog/myths-about-single-payer-healthcare
    • Majority of Americans who file for bankruptcy affected by medical issues: https://www.cnbc.com/2019/02/11/this-is-the-real-reason-most-americans-file-for-bankruptcy.html
    • JP Morgan Asset Management on market timing: https://am.jpmorgan.com/us/en/asset-management/adv/insights/market-insights/market-updates/on-the-minds-of-investors/is-market-timing-worth-it-during-periods-of-intense-volatility/

    —

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    Ethical Consumption & Building Equitable Businesses, with Entrepreneur Sana Javeri Kadri of Diaspora Co. Nov 02, 2022

    Until the global Pamela Anderson, I had never given much thought to ~the supply chain~ and where the things I buy come from—I kinda just took it for granted that I’d have 12 different almond butter options every time I wandered down Aisle 4 at my local King Soopers.

    And when you’re knee-deep in the “Financial Independence/Retire Early” world, there’s a heavy emphasis placed on attaining the things you need as cheaply as possible.

    Unfortunately, being able to purchase something for a single dollar in the US usually comes at a cost to another human being somewhere up the chain, and as consumers, we’re more or less shielded from exposure to exploitative labor practices, especially globally.

    This week, I wanted to explore consumption habits through the “personal finance” lens. We invited Sana Javeri Kadri, an entrepreneur in her twenties who’s revolutionizing the Indian spice trade from the inside out, to join us for the conversation.

    Sana (who recently closed a $2 million funding round) is proof that equitable business models are better for everyone from the farmer to the end consumer.

    To learn more about our sponsor, Vin Social, check out http://vinsocialvip.com/.

    Episode transcripts can be found at https://www.podpage.com/money-with-katie-show/.

    —

    Mentioned in the Episode

    • 450 million in the global supply chain: https://www.hrw.org/news/2020/04/02/covid-19-puts-millions-global-supply-chain-workers-risk
    • Outsourcing to China, Korea, and the EU: https://www.ilo.org/global/about-the-ilo/newsroom/news/WCMS_370189/lang--en/index.htm
    • "Food at home" prices up 12% this year: https://www.ers.usda.gov/data-products/food-price-outlook/summary-findings/#:~:text=In%202022%2C%20all%20food%20prices,between%2010.0%20and%2011.0%20percent.
    • Crocodile farming and Hermès scandal: https://www.vice.com/en/article/g5bg8x/hermes-plans-to-build-australias-biggest-crocodile-factory-farm
    • British colonization of India for spices: https://www.statecraft.co.in/article/spices-textiles-slaves-tea-and-opium-why-the-british-came-and-stayed-back-in-india
    • Bon Appétit's interview with Sana: https://www.bonappetit.com/story/sana-javeri-kadri
    • 60% of India lives on less than $3.10 per day: https://www.cnn.com/interactive/2017/10/world/i-on-india-income-gap/
    • Diaspora Co.'s single origin spices from 150 farms: https://www.diasporaco.com/pages/about
    • Sana's $2.1m funding round (Forbes): https://www.forbes.com/sites/shaynaharris/2022/07/14/diaspora-co-mints-21-million-in-fresh-financing-to-build-an-equitable-spice-trade/?sh=635c64c274a4

    —

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    How to Construct a Diversified Stock Portfolio of Major Index Funds Oct 26, 2022

    I’m not an investment professional or licensed financial advisor, but I do have access to free products and portfolios built by licensed investment professionals—and so do you! The perks of living in 2022, right?

    This week, we’re breaking down a few big investing topics:

    • the relationship between risk and returns
    • diversification beyond the S&P 500 (and why it’s something you may want to consider, considering it involves securities that aren’t down 25% YTD)
    • the (free) tools you can use to level up your portfolio


    I also sat down for a conversation with Trey Lockerbie of The Investor’s Podcast Network (https://www.theinvestorspodcast.com/) to talk about all things “value investing,” Warren Buffett, and why Trey can’t help himself from investing in individual stocks.

    To learn more about our sponsor, Vin Social, check out http://vinsocialvip.com/.

    Episode transcripts can be found at https://www.podpage.com/money-with-katie-show/.

    —

    Mentioned in the Episode

    • Rational Reminder on "factor investing": https://podcasts.apple.com/us/podcast/the-rational-reminder-podcast/id1426530582?i=1000575745961
    • Ken Fisher, American billionaire investment analyst: https://www.kenfisher.com/books/little-book-market-myths/chapter-09
    • Callan’s Periodic Table of Investment Returns: https://www.callan.com/research/2021-classic-periodic-table/
    • S&P 500 total returns by year: https://www.slickcharts.com/sp500/returns
    • M1 Finance: https://m1.com/
    • Roth IRAs per the IRS: https://www.irs.gov/retirement-plans/roth-iras

    —

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    What’s Coming in 2023: The Federal Reserve, Bond Markets, and Investing in Volatility Oct 19, 2022

    A little confused about how we’ve gotten to…well, ~gestures to everything~? The S&P 500 down roughly 25% YTD, record-high inflation, and rate hike after rate hike?

    SoFi’s (https://www.sofi.co) Head of Investment Strategy, Liz Young, joins me to break it all down—and makes a few historically informed predictions about what’s likely on the horizon in 2023.

    She also addresses why she thinks now’s the time on which we’re all going to look back and wish we bought more, what to buy during downturns, and the relationship between the stock market and the bond market.

    Katie also answers a question about Roth IRA platforms. Placement is a general marketing offering and is not a recommendation to take any particular action, including rolling over an existing account. Consider your personal situation and preferences, including fees and expenses for each option, before deciding to roll over. Please refer to Betterment's Form CRS (http://www.betterment.com/legal/form-crs) and other disclosures (http://www.betterment.com/legal) for more information.

    To learn more about our sponsor, Vin Social, check out http://vinsocialvip.com/.

    Episode transcripts can be found at https://www.podpage.com/money-with-katie-show/.

    —

    Mentioned in the Episode

    • The Important Part: Investing with Liz Young: https://open.spotify.com/show/3v9RQmKZioeCCDXEdmlZNP?si=9e91ea5676834fa1&nd=1
    • Bond market in "bull market": https://www.nasdaq.com/articles/r.i.p-bond-bull-market-1981-2021-2021-03-16
    • Inverted yield curves: https://www.cnbc.com/2022/09/21/what-the-inverted-yield-curve-means-for-your-portfolio-.html
    • Yield curves & recessions: https://www.chicagofed.org/publications/chicago-fed-letter/2018/404
    • Net present value: https://www.investopedia.com/terms/n/npv.asp
    • Jack Raines's Young Money post on risk: https://www.youngmoney.co/p/rethinking-risk
    • Liz Young's 2022 outlook, "Running Into the Wind": https://www.sofi.com/blog/2022-market-outlook/
    • Liz Young's H2 2022 outlook, "Running Out of Steam": https://www.sofi.com/blog/liz-looks-2h-2022-outlook-running-steam/
    • Roth IRA platforms mentioned: Vanguard, Fidelity, Charles Schwab (most hands-on), M1 Finance (partially hands-on), Betterment (mostly hands off)

    —

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    Bootstrapping #Fail: Why the American “Solution” to Systemic Problems Keeps Falling Short Oct 12, 2022

    This week’s episode holds two complex truths simultaneously: That sometimes, the answer is working harder, and other times, the answer is policy, interdependence, and community. Sure, individual responsibility is important—but when we try to solve complex, collective problems with individual exceptionalism, we create a recipe wherein quality of life for all but a select few worsens over time.

    Our individual wealth accumulation and experience of personal finance do not exist in a vacuum—they exist within the context of the economic policy decisions and cultural norms of our time.

    You can work on your metaphoric swimming and freestyle upstream for as long as you’ve got the energy to do so, but the strength of the current is outside of your control. Usually, we talk about your swimming. Today, we’re talking about the current.

    Plus, this episode features an interview with Rebecca Walker, activist and author of Women Talk Money (https://www.simonandschuster.com/books/Women-Talk-Money/Rebecca-Walker/9781501154324). Get ready!

    To learn more about our sponsor, Vin Social, check out http://vinsocialvip.com/.

    Episode transcripts can be found at https://www.podpage.com/money-with-katie-show/.

    —

    Mentioned in the Episode

    • ChooseFI: https://www.choosefi.com/
    • Beyond the #Girlboss and Fixing the Motherhood Penalty: https://moneywithkatie.com/blog/the-girl-bossification-and-the-motherhood-penalty
    • 40% of Americans have not traveled outside the US: https://www.forbes.com/sites/lealane/2019/05/02/percentage-of-americans-who-never-traveled-beyond-the-state-where-they-were-born-a-surprise/?sh=3a307eb82898
    • Trick Mirror by Jia Tolentino: https://www.penguinrandomhouse.com/books/567511/trick-mirror-by-jia-tolentino/
    • Organization for Economic Cooperation and Development study: https://data.oecd.org/earnwage/gender-wage-gap.htm
    • Pew Research Center on paid family leave: https://www.pewresearch.org/fact-tank/2019/12/16/u-s-lacks-mandated-paid-parental-leave/
    • Trey Lockerbie's tweet: https://twitter.com/TreyLockerbie/status/1572417849351868418?s=20&t=y8rcaIBB6ZKFUAxIkSxR0g
    • US households with children ages 3-5 in 2021: https://www.statista.com/statistics/679812/number-of-households-with-children-by-age/
    • Joy Borkholder's Crosscut feature: https://crosscut.com/news/2022/01/why-child-care-us-lags-behind-much-world
    • The Way We Never Were by Stephanie Coontz: https://www.basicbooks.com/titles/stephanie-coontz/the-way-we-never-were/9780465098835/
    • Rational Reminder: https://podcasts.apple.com/us/podcast/the-rational-reminder-podcast/id1426530582?i=1000569872619
    • WSJ feature on the wage gap: https://www.wsj.com/articles/gender-pay-gap-college-11659968901
    • The Whiteness of Wealth by Dorothy A. Brown: https://www.penguinrandomhouse.com/books/591671/the-whiteness-of-wealth-by-dorothy-a-brown/
    • Rebecca Walker's feature in Oprah Daily: https://www.oprahdaily.com/entertainment/books/a39431571/rebecca-walker-book-women-talk-money/

    —

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    How to Become a Millionaire in 10 Years or Under (Oh, and Market Timing) Oct 05, 2022

    Before I understood the almost-unbelievable magic of exponential compounding, I thought becoming a millionaire was an almost-impossible goal only achievable by the highest earners or people who were already rich. Granted, inflation has certainly shifted the meaning of a million dollars over the last 20 years—but it’s still no small potatoes.

    Fortunately, we can calculate this path to the magic million with relative ease—so that’s exactly what we’re doing on the show today. If you’re trying to reach a $1 million net worth with a partner in 10 years or fewer, good news—neither partner even needs to make six figures.

    Of course, the temptation is strong to try to time the market in the context of our current volatile shitstorm. We’ll address why that’s a fool’s errand, historically speaking, and discuss some ~alternative options~. (And reminder: Past performance is not indicative of future returns.)

    Finally, we're joined by my friend Delyanne Barros, otherwise known as The Money Coach (https://www.instagram.com/delyannethemoneycoach/) and host of CNN's Diversifying (https://www.cnn.com/audio/podcasts/diversifying). Delyanne shares her path from being a high earner and equally high spender to becoming a millionaire on track to retire by age 45.

    To learn more about our sponsor, Vin Social, check out http://vinsocialvip.com/

    Episode transcriptions can be found at https://www.podpage.com/money-with-katie-show/.

    —

    Mentioned in the Episode

    • Download the free Money Management Routine resource: https://education.morningbrew.com/budget
    • Data on the world's millionaire population: https://www.credit-suisse.com/about-us/en/reports-research/global-wealth-report.html
    • JP Morgan Asset Management study on market timing: https://am.jpmorgan.com/us/en/asset-management/adv/insights/market-insights/market-updates/on-the-minds-of-investors/is-market-timing-worth-it-during-periods-of-intense-volatility/
    • Secret millionaires: https://www.rd.com/article/secret-millionaires-donations-after-died/
    • The Psychology of Money by Morgan Housel: https://www.goodreads.com/book/show/41881472-the-psychology-of-money
    • Average monthly spend by a single earner: https://www.nerdwallet.com/article/finance/monthly-expenses-single-person-family
    • Incomes making higher than $150K/year or more: https://www.statista.com/statistics/203183/percentage-distribution-of-household-income-in-the-us/
    • Median retirement savings amount: https://www.synchronybank.com/blog/median-retirement-savings-by-age/
    • How to Diversify Beyond The Total Stock Market: https://www.moneywithkatie.com/blog/you-might-be-overexposed-to-large-cap-diversifying-beyond-the-total-stock-market-and-sampp-500
    • 10 Stunning Fast Fashion Waste Statistics: https://earth.org/statistics-about-fast-fashion-waste/

    —

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    The Rent Vs. Buy Decision In 2022's Interest Rate Environment (And Lofty Market) Sep 28, 2022

    When I did a rent (and invest) vs. buy analysis back in January 2021 with a 2.6% interest rate, the results were pretty neck-and-neck. As rates climbed this year, I figured it would be fun (I’m using the word “fun” loosely) to revisit the exact same scenario with the higher rate.

    Depressingly, when we recorded this episode just last week, the rate was 5.95%. In the course of a single week, it’s now surpassed 7% as of publish (9/27/2022). How have the rates changed the math now and how does one realistically budget for a median home in the US today with 6+% 30-year fixed rates? Let’s find out.

    I'm also joined by Andy Taylor, VP & GM of Credit Karma Home (https://www.creditkarma.com/) to discuss breakeven costs, refinancing, and borrowing against home equity.

    Episode transcriptions can be found at https://www.podpage.com/money-with-katie-show/.

    —

    Mentioned in the Episode

    • Summer 2022 interest rates: https://www.forbes.com/advisor/mortgages/mortgage-rates-08-31-22/
    • Early 2021 rent vs. buy analysis: https://moneywithkatie.com/blog/when-the-math-supports-buying-your-primary-residence-instead-of-renting
    • "Average net worth of homeowners," from CNBC: https://www.cnbc.com/select/average-net-worth-homeowners-renters
    • Quit Like a Millionaire by Kristy Shen: https://www.penguinrandomhouse.com/books/592323/quit-like-a-millionaire-by-kristy-shen-and-bryce-leung-foreword-by-jl-collins/
    • Data on home ownership averages: https://www.ngpf.org/blog/economics/qod-how-many-years-has-the-typical-american-homeowner-been-in-their-current-home/
    • Average median home value, from The Motley Fool: https://www.fool.com/the-ascent/research/average-house-price-state
    • Private mortgage insurance: https://www.investopedia.com/mortgage/insurance/
    • Average homeowners insurance: https://www.investopedia.com/insurance/homeowners-insurance-guide/
    • Average property tax rate: https://smartasset.com/taxes/texas-property-tax-calculator#UMznyF9L22
    • Average mortgage rate for 30-year term: https://www.bankrate.com/mortgages/todays-rates/mortgage-rates-for-monday-july-25-2022/
    • Amortization calculator: https://www.bankrate.com/mortgages/amortization-calculator/
    • Paying interest first in mortgage payments: https://www.investopedia.com/ask/answer/07/mortgagepayments.asp
    • Average broker's commission: https://www.ownerly.com/real-estate/average-commission-for-real-estate-agent/
    • Average closing costs: https://themortgagereports.com/35800/guide-to-mortgage-closing-costs-what-average-mortgage-costs-are-and-how-to-keep-yours-low
    • Average 3% rental increases: https://www.apartmenttherapy.com/average-rent-increase-percentage-268659
    • IRS Standard Deduction: https://brighttax.com/blog/irs-standard-deduction-expats
    • Rule of 150: https://www.businessinsider.com/renting-versus-buying-a-house-advice-math-rule-2019-9
    • 28/36 Rule: https://www.investopedia.com/terms/t/twenty-eight-thirty-six-rule.asp

    —

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    How Your Money Anxiety Might Actually Help Build Wealth Sep 21, 2022

    According to an APA 2022 Stress in America Survey, 87% of respondents listed inflation as a source of significant stress—and the researchers say no other issue has caused this much stress since the survey's launch.

    Money anxiety or "financial fear" is common, and to an extent, it can be healthy. If fear about inflation and running out of money prevents you from blowing every dollar on fast casual dining, and instead urges you to save and invest for the future, that fear directly benefits Future You.

    But if fear prevents you from investing in the stock market because it feels too risky, well…now we’re letting misplaced, data-refuted concerns interfere with our ability to build wealth over time.

    Understanding your own deeply held beliefs and fears about money can help unlock your next-best step, and it’s not one-size-fits-all. We're joined by Mariel Beasley, Principal at the Center for Advanced Hindsight at Duke University and Co-Founder of the Common Cents Lab (https://advanced-hindsight.com/commoncents-lab/) to discuss financial psychology and what behaviors we can unlearn (or double down on) when it comes to money anxiety.

    —

    Mentioned in the Episode

    • Download the free Money Management Routine resource: https://education.morningbrew.com/budget
    • Farnoosh Torabi's So Money: https://podcasts.apple.com/us/podcast/1348-how-fear-can-drive-financial-excellence-with/id955939085?i=1000558577525
    • The importance of an abundance mindset: https://moneywithkatie.com/blog/shifting-your-money-mindset-from-scarcity-to-abundance
    • "Risk is what you don't plan for": https://www.youtube.com/watch?v=LM-s_HxLzNY
    • ChooseFI: https://www.choosefi.com/listen/choose-fi-podcast/
    • Why Hitting "Half FI" is More Like 75%: https://moneywithkatie.com/blog/why-hitting-half-fi-is-more-like-75
    • Financial resources mentioned: LISC, Digit, Qapital

    —

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    Pt. 2: Money, Millennials, & the Bizarre American Fever Dream: the Role of "Personal Finance Education" & Our Collective "Expectation Hangover" Sep 14, 2022

    Last week to kick off this two-part special, we explored the culture, economy, and education systems that built the millennial generation. If you haven't heard the first episode yet, I recommend going back to start with that first (https://link.chtbl.com/022a2-MX).

    Today, we’re digging into how “financial literacy” shifts reality on its axis, who the “winners” and “losers” are in our economic era, and why scamming has become a quintessential millennial pastime (Fyre Festival, anyone?). To top things off, we’ve got a super thought-provoking conversation with Gabe Dunn of Bad with Money fame (https://podcasts.apple.com/us/podcast/bad-with-money-with-gaby-dunn/id1144712710).

    It’s a veritable Magic School Bus ride through the wild terrain of 21st century America: Even the centimillionaire megachurch preachers and girlbosses squeezed into tiny seats and threw spitballs for a few stops.

    —

    Mentioned in the Episode

    • Gabe Dunn's Stimulus Wreck: https://www.scribd.com/audiobook/576815715/Stimulus-Wreck-Rebuilding-After-a-Financial-Disaster?utm_source=money_with_katie&utm_medium=press&utm_campaign=gaby_dunn_originals_june&utm_content=podcast_interview
    • Malcolm Harris's Kids These Days: https://www.littlebrown.com/titles/will-collyer/kids-these-days/9781478992332/
    • Study on financial literacy and retirement: https://sjes.springeropen.com/articles/10.1186/s41937-019-0027-5
    • UC Davis study on poverty: https://poverty.ucdavis.edu/policy-brief/transitions-out-poverty-united-states
    • Money with Katie blog: The Paradox of Riches, Being Poor is Expensive: https://moneywithkatie.com/blog/the-paradox-of-riches-being-poor-is-expensive
    • Pitchfork Economics' interview with the author of The Nordic Theory of Everything: https://podcasts.apple.com/us/podcast/capitalism-is-working-better-in-finland-with-anu/id1445901378?i=1000536840437
    • 2020 Census data: https://www.census.gov/content/dam/Census/library/visualizations/2021/demo/p60-274/figure3.pdf
    • The Money with Katie Show episode on financial independence: https://podcasts.apple.com/us/podcast/the-money-with-katie-show/id1589146097?i=1000551967021
    • Jacqui Shine of the Los Angeles Book Review: https://lareviewofbooks.org/article/wont-get-fooled-again-malcolm-harriss-kids-these-days-human-capital-and-the-making-of-millennials/
    • Jia Tolentino's Trick Mirror: Reflections on Self-Delusion: https://www.goodreads.com/en/book/show/43126457
    • Trick Mirror review by Miriam Francisco: https://www.michigandaily.com/arts/tolentino-refuses-simplicity-trick-mirror/
    • Graph on financial inequity in the US: https://realtimeinequality.org/?id=income&incomeend=03012022&incomefreq=monthly&incomegroups=Top%2010%25&incomegroups=Middle%2040%25&incomegroups=Bottom%2050%25&incomegroups=Total&incomestart=01011976&incometype=factor_income&incomeunit=Adults&incomey=growth
    • CNBC feature on Jeff Bezos and the critique of billionaires: https://www.cnbc.com/2021/07/20/jeff-bezos-says-critics-of-the-rich-going-to-space-are-mostly-right.html
    • The Financial Independence Planner: https://moneywithkatie.com/financial-independence-planner
    • Forbes Advisor study on medical graduate debt: https://www.forbes.com/advisor/student-loans/average-medical-school-debt/

    —

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    Guest Episode: Fresh Invest's Finding Financial Confidence Sep 08, 2022

    Market uncertainty is on everyone’s mind. Given rising interest rates, inflation, the crypto crash, and other economic trends (hello, recession?), host Alex Lieberman talks about what this current climate means in the long term for beginner and seasoned investors alike, with Fidelity's Jurrien Timmer.

    About Fresh Invest: From market shifts to emerging asset classes, Fresh Invest breaks down the current financial climate, what it means to you as an investor, and actionable steps you can take to manage your money and set yourself up for a solid financial future. Join Morning Brew co-founder and executive chairman Alex Lieberman on his weekly deep dive with Fidelity guests.

    Custom music by Davis Jones.

    --

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    Pt. 1: Money, Millennials & the Bizarre American Fever Dream: The Culture & Economy that Made Millennials Sep 07, 2022

    Months ago, I received this reader question: “It feels like I’ve done everything right, and yet I can barely make ends meet. Has life always been this…hard?”

    This stuck with me for a long time. They weren't the first to ask this, or the second or third. And ultimately, this question became the focus of this special two-part series.

    Because when I first started writing about personal finance in 2018, I believed the rules of the game were fixed, simple, and universally applicable. I had the tonic that was going to make my generation rich, because I figured the things that worked for me would work for everyone.

    The perilous two years that followed—aka the pandemic—opened my eyes to just how complex life is in the 21st century, particularly for those coming of age in it—and this mini-series is my attempt at making sense of the world around us politically, economically, and culturally. (And yes, the financial implications at the collective and individual levels.) I'm also joined by Malcolm Harris, author of Kids These Days (https://www.littlebrown.com/titles/will-collyer/kids-these-days/9781478992332/), which I quote throughout the episode.

    Listen to part two here: https://link.chtbl.com/O11nOQjn.

    —

    Mentioned in the Episode

    • Anne Helen Petersen's Budget Culture and the Dave Ramseyfication of Money: https://annehelen.substack.com/p/budget-culture-and-the-dave-ramseyfication?s=r
    • Dēmos research in 2008: https://www.demos.org/research/economic-state-young-america
    • Jacqui Shine of the Los Angeles Book Review: https://lareviewofbooks.org/article/wont-get-fooled-again-malcolm-harriss-kids-these-days-human-capital-and-the-making-of-millennials/
    • Richard Fry of the Pew Research Center: https://www.pewresearch.org/social-trends/2014/05/14/section-1-student-debt-and-overall-economic-well-being/

    —

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    BONUS EPISODE: Student Loan Forgiveness, Repayment, Taxes, and Inflation with a Certified Student Loan Professional® Sep 01, 2022

    Given the huge decision that came out of the White House last week about student loan forgiveness, we decided to create this special bonus episode all about the announcement and what it means for not just borrowers, but all of the US.

    We'll explore the current numbers of federal student loan borrowers, dive into the issues of taxes and inflations (while dispelling some myths!), and hear about the program and changes to expect from FINRA Certified Student Loan Professional® Meagan Landress of Student Loan Planner (https://www.studentloanplanner.com/).

    CORRECTION: We published this episode a few days after the news first broke, and things are quickly evolving in the White House! Here's a quick update on who's eligible for relief: "Current students and borrowers who have federally held undergraduate, graduate and Parent PLUS loans that were distributed on or before June 30, 2022 are eligible for the relief, says Megan Walter, a policy analyst for the National Association of Student Financial Aid Administrators."

    —

    Mentioned in the Episode

    • Fact Sheet: Student loans: https://www.whitehouse.gov/briefing-room/statements-releases/2022/08/24/fact-sheet-president-biden-announces-student-loan-relief-for-borrowers-who-need-it-most/
    • Student loan debt vs. mortgage debt: https://podcasts.apple.com/us/podcast/a-new-plan-for-student-loans/id1200361736?i=1000577422717
    • Of Dollars and Data: https://ofdollarsanddata.com/who-holds-the-student-loan-debt/
    • Newsweek fact-check on taxes and student loan forgiveness: https://www.newsweek.com/fact-check-ted-cruz-says-student-debt-relief-costs-2100-per-taxpayer-1737293
    • Federal budget deficit: https://datalab.usaspending.gov/americas-finance-guide/deficit/trends/
    • Federal budget spending: https://datalab.usaspending.gov/americas-finance-guide/spending/
    • Expense of stimulus checks: https://www.pandemicoversight.gov/data-interactive-tools/data-stories/three-rounds-stimulus-checks-see-how-many-went-out-and-how-much
    • New tax proposal for households above $400K+: https://www.nytimes.com/2022/07/07/us/politics/medicare-solvency-taxes.html
    • Tax Foundation memo on unrealized capital gains on households with $100M+: https://taxfoundation.org/biden-tax-increases-2023-budget-proposal/
    • 10 richest members of Congress: https://en.wikipedia.org/wiki/List_of_current_members_of_the_United_States_Congress_by_wealth
    • Net worth of $100M+ represents 0.01% of Americans: https://realtimeinequality.org/
    • Wall Street Journal's on student loan forgiveness and inflation: https://www.wsj.com/articles/biden-student-loan-forgiveness-raises-inflation-budget-risks-11661457157
    • Mike Solana on the student debt crisis: https://www.piratewires.com/p/debt-babies
    • See if you have federal loans: studentaid.gov

    —

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    Deep Dive: Set Yourself Up to Pay No Penalties or Taxes in Early Retirement Aug 31, 2022

    If you’re normally a “casual commute” listener of The Money with Katie Show, prepare to park your car and whip out your notebook—today’s episode is a complex deep dive into exactly how you can set yourself up to pay no taxes or penalties in retirement on any of your pre-tax, taxable, and Roth funds, even if you retire in your thirties.

    We’ll dig into how much a couple would need to save and invest to retire early and then break down how they can strategically access those funds for the most optimal tax-free outcomes. Remember to caffeinate before this one—your brain cells are about to be workin’ and twerkin’.

    If you’re a visual learner, the YouTube video for this episode or the episode transcription may be your best friends.

    —

    Mentioned in the Episode

    • IRS Tax Code: https://www.irs.gov/privacy-disclosure/tax-code-regulations-and-official-guidance
    • Standard deduction for 2022: https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2022
    • 0% capital gains tax rate brackets for 2022: https://www.kiplinger.com/taxes/capital-gains-tax/602224/capital-gains-tax-rates
    • Required Minimum Distributions (RMDs): https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds
    • Roth IRA Five-Year Rule: https://www.investopedia.com/ask/answers/05/waitingperiodroth.asp
    • Compound interest calculator: https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator
    • Combining finances for marriage: https://moneywithkatie.com/blog/what-to-consider-when-combining-finances-with-your-partner

    —

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    From “Careers” to “Callings”: When Work Becomes Your Identity Aug 24, 2022

    If you consciously or subconsciously derive your identity from your work, what happens when that work goes away? Moreover, how do we reconcile the advice we hear from everyone from Steve Jobs to Steve Aoki to “follow our passion” (and, in case it wasn’t clear, monetize it) with the advice to also maintain some semblance of “work/life balance” or separation between the metaphoric church and state?

    Is it a bad thing to love your work, or is it something to strive for?

    My guest this week is the impressive Nora Ali—host of Morning Brew’s Business Casual, Harvard grad with a degree in statistics and quantitative finance, former Goldman Sachs analyst, concert violinist, and current media venture founder (i.e., someone who knows a thing or two about being conventionally successful and identifying with your credentials).

    This week’s episode will give you a lot to chew on if you find yourself sneaking off to hammer out a few more emails after dinner.

    —

    Mentioned in the Episode

    - Derek Thompson's piece, The Atlantic: https://www.theatlantic.com/ideas/archive/2019/02/religion-workism-making-americans-miserable/583441/

    - Robert Frank's piece, The Wall Street Journal: https://blogs.wsj.com/wealth/2007/03/21/the-workaholic-rich/

    —

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    Confessional: Materialism, Worthiness, and Financial “Discipline” Aug 17, 2022

    The central thesis for this episode is that when you think you have a spending problem, what you probably have is a purpose problem.

    This week, we’re getting philosophical—and I’m diving into a series of realizations I had when transitioning from Spendy McSpenderson to Sally Saver, about the role money played in my life pre- and post-”baptism by FI/RE.” (See what I did there?) I also chat with mindset and manifestation expert Haley Hoffman Smith (https://www.haleyhoffmansmith.com/) on the void money creates and what we should be aiming for instead.

    It’s one of the more vulnerable episodes I’ve published, but my hope is that it’ll inspire you to reflect in a way you haven’t before about your relationship with materialism and its role in your sense of self.

    —

    CORRECTION/CLARIFICATION:

    Thanks to an email from astute listener Emily T., it has come to my attention that my answer for today’s Rich Girl Roundup could be a bit misleading to the point of being wrong depending on how you inherited your individual stock. The answer given in the video is relevant *if the relative who gifted you stock is still alive.* If your relative who gifted you stock has passed away, then your cost basis actually receives something called the “stepped-up cost basis” treatment, which means the amount you inherit at the time they pass is the new cost basis. If you were to sell that immediately, you’d incur no capital gains taxes.

    We have re-recorded a clarification that’s now live in the episode, but we apologize for the confusion.

    —

    Mentioned in the Episode

    - The Hot Girl Hamster Wheel: https://www.instagram.com/reel/Cc5dZNLvRNN/ and https://moneywithkatie.com/blog/high-maintenance-is-expensive-how-i-went-from-a-320mo-girly-budget-to-a-negligible-one

    - Brad Yates: https://www.tapwithbrad.com/

    —

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    How to Set Up Money Management Systems for Short-Term & Long-Term Goals Aug 10, 2022

    This episode is a logistical examination of how to put systems in place that help you balance your short-term and long-term spending goals—after all, “saving” is really just another name for “deferred spending,” and the ideal scenario we’d find ourselves in is one in which the money we need is available to us whenever we need it.

    It’s my hope that after listening, you’ll have a solid understanding of how to structure all of your savings and investing and—most importantly—you’ll eliminate the fear that you’re “missing something.”

    —

    Mentioned in the Episode

    - Atomic Habits by James Clear: https://jamesclear.com/atomic-habits

    —

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    To Lease, Buy, or Have No Car at All? How 2022’s Used Car Market Shifts Things Aug 03, 2022

    I sold my car in March 2021 and have (mostly) never looked back as part of a one-car couple, but my husband and I have been dabbling with the idea of getting a new car this year. Unfortunately, 2022 is…not a great time to buy a vehicle, as anyone who’s perused the used car market knows.

    It inspired this episode in which we break down the lease vs. buy decision in today’s car market with guest Jorge Diaz, author of Car Leasing Done Right (https://www.leasecosts.ca/en/book).

    As part of the episode, I wanted to do an IRL lease vs. buy comparison with a luxury car—so I reached out to a Porsche dealership to pull numbers on a 2023 Macan. What I wasn’t expecting as part of my number-crunching journey: being immediately plunged into an inferior sense of class consciousness as a result of the interaction. That’s…a fun bonus in the episode. 😂


    Mentioned in the Episode

    - Car market prices up 24% in 2021 (via The Washington Post): https://www.washingtonpost.com/us-policy/2021/10/28/used-car-prices-chip-shortage/

    - Rule of thumb for paying for a car: https://www.nerdwallet.com/article/loans/auto-loans/much-spend-car

    - “Why Leasing a Car is Like Setting Money on Fire”: https://moneywithkatie.com/blog/why-leasing-a-car-is-like-setting-money-on-fire

    - Study: Driving fewer than 10K/year: https://www.rockethq.com/learn/personal-finances/how-expensive-is-uber

    - Pregnancy Discrimination Act: https://www.eeoc.gov/pregnancy-discrimination


    —


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    Wedding Confessions: Budget, Who Paid, and Biggest Learnings Jul 27, 2022

    Ah, the long-awaited deep dive is finally here! As someone who got married in a courthouse and in a big, traditional ceremony (to the same person, don’t worry), I feel I’m now qualified to do a thorough compare-and-contrast analysis of the two—and share the granular details of how much our ceremony cost.

    I’m diving into the budget ($25,000), the actual spend (...a lot more than $25,000), who paid, the things that shocked me, and the stuff I thought was worthwhile. I also do a deep-dive into the Wedding Industrial Complex with our guest, Anna Braff, founder of the award-winning vendor service Provenance Rentals.

    Originally, I wasn’t planning on doing any sort of deep dive about my nuptials—but ultimately decided it was incredibly off-brand not to talk about one of the largest expenses a young couple faces.

    —

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    Why I’m Not Buying I Bonds, the “Flight to Safety,” and Optimism Jul 20, 2022

    Something I had never even heard of a year ago has been front and center in the financial news for the last few months: I Bonds.

    But I suppose it makes sense: Nothing tempts those seeking performance and those seeking safety alike quite like a guaranteed nominal 9.62% rate of return, right?

    But I fear they’re a distraction for young investors (and don’t worry, we address who they might make sense for in the episode). Plus, I invited Alan Ebright of Hodges Private Client—a wealth management firm in Dallas with $1B+ assets under management—on the show this week to talk about investor psychology and the self-defeating flight to safety.

    *Any information shared is not tax or legal advice, and is purely for informational purposes.

    #MoneyWithKatie #IBonds #Investing #Bonds #PersonalFinance

    —

    This Episode’s Sponsors

    To learn more about our sponsor, Ubiquity, check out https://ubiquity.com/

    To learn more about our sponsor, Caribou, check out https://www.caribou.com/moneywithkatie/?utm_source=moneywithkatie&utm_medium=podcast&utm_campaign=jul13

    For more info on our sponsor, Q.Ai, check out https://refer.tryq.ai/MBrew

    To learn more about Betterment, visit https://betterment.com/moneywithkatie

    —

    Mentioned in the Episode

    - Nick Maggiulli's blog, Of Dollars & Data

    - DALBAR Quantitative Analysis of Investor Behavior

    - National Association of Personal Financial Advisors Database


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    —

    *Disclaimer: Hodges Private Client is a program offered through Hodges Capital Management, Inc. (“HCM”). HCM is an Investment Advisory Firm registered with the Securities and Exchange Commission (“SEC”), is a wholly owned subsidiary of Hodges Capital Holdings and serves as investment advisor to the Hodges Funds. HCM is affiliated with First Dallas Securities, Inc, a broker-dealer and investment advisor registered with the SEC.

    This discussion is not intended to be a forecast of future events and should not be considered a recommendation to buy or sell any security. Past performance is not indicative of future results. Investing involves risk. Principal loss is possible. Investing in smaller companies involves additional risks such as limited liquidity and greater volatility. No current or prospective client should assume that information referenced in this communication is a recommendation to buy or sell any security or is a substitute for personalized investment advice from your individual advisor. HCM does not provide tax or legal advice. Consult your tax or legal advisor for any related questions.

    All information referenced herein is from sources believed to be reliable and is provided as general market commentary and does not constitute investment advice. This material was created for informational purposes only and the opinions expressed are solely those of HCM. HCM shall not in any way be liable for claims and makes no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information. The data and information are provided as of the date referenced and are subject to change without notice.

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    The Benefits and Pitfalls of Salary Transparency with Jason Tartick Jul 13, 2022

    Nothing excites millennials and surprises baby boomers quite like our penchant for sharing how much money we make with one another.

    But salary transparency—one of the latest tactics for rectifying biases in hiring and compensation—is a means to an end, not the end itself.

    In this week’s episode, we explore the benefits and pitfalls of openly sharing compensation information within an organization—and how we can share in a way that actually helps one another. Plus, an interview with Jason Tartick of Bachelor Nation fame, and the host of Trading Secrets, a podcast about our “taboo curiosities” around money and career.

    --

    Mentioned in the episode

    • World Economic Forum's data on closing the gender pay gap
    • National Labor Relations Act: Your right to discuss pay in the US
    • Silicon Valley study about top employee performance
    • Tim Low's interview about PayScale and salary transparency
    • 2018 Denmark study on closing the gender pay gap
    • Buffer case study on salary transparency
    • Trading Secrets interview with Rob Dyrdek
    • Trading Secrets interview with A-Rod
    • Trading Secrets interview with Molly Bloom (Molly's Game)


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    $40,000 to $200,000+ in 5 Years: Don’t Quit Your Day Job with Cinneah El-Amin Jul 06, 2022

    This episode was inspired by a Medium article about a woman’s nine side hustles that replaced her full-time income. After reading it, I couldn’t help but think: “I know our generation loves the glamorized solopreneur thing, but at what point is it easier to just…have a full-time job?”

    I wanted to explore the obsession with the side hustle, the (unfair) demonization of the 9-5, and—importantly—how to expend energy in a more efficient way for a higher ROI within your traditional career path for those of us who don’t want to become ~online entrepreneurs~.

    Cinneah of Flynanced joins us for this episode to regale us with her career journey ($40,000 to $200,000+ in just five years!) and has a ton of actionable advice to share for scaling your full-time income and breaking into highly paid technical fields without going back to school.

    Here's the referenced blog post about diversifying your effort and my side hustles that amounted to nothing.


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    Is Now a Good Time to Pick Stocks? The Pros & Cons of Active Investing with Jack Raines Jun 29, 2022

    Given current market conditions, it seemed like a good time to revisit the age-old temptation for investors: Should I…try to stop the bleeding and make more active investment choices? Surely I could do better than -22%!

    In most personal finance circles, this question is heresy—but lucky for you, I like to rock the boat. We’re digging into the case against active, some oddly compelling arguments for it, and everything in between in this week’s episode. Don’t call the FI/RE department on me! (See what I did there?)

    I'm joined by Jack Raines of the blog Young Money (https://www.youngmoney.co/) today to discuss 'the true cost of alpha.' (Alpha = an investment's ability to beat the market.)

    This is also our first episode with a listener Q&A. Today’s is about commission income: How it’s taxed, how to budget for it, and how to invest it. Got a question you want answered? Make sure you’re following Money with Katie on Instagram, where you’ll see our call for questions!

    —

    Mentioned in the Episode

    • Jack's article, A New Definition of Alpha
    • Nick's article, Why You Shouldn't Pick Individual Stocks
    • Dalio's book, The Changing World Order
    • Mike Green interview on Resolve's Gestalt University


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    This episode is sponsored by Betterment.

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    The Bear Market, Future Returns, and the History of Low-Cost Investing with Eric Balchunas Jun 22, 2022

    Every time the market experiences a drawdown, it feels like the echoing chorus of, “This time, it’s different,” gets more deafening. As the history buffs assure us, that’s very unlikely—but that doesn’t change the fact I want to hedge if it’s true.

    For many of us #n00b investors who started in the last decade, we’re experiencing a serious pullback for the first time (I no longer count the 30% COVID drawdown since it was so short-lived). I think it’s a (healthy) reminder that investing in the stock market is not a risk-free proposition, and returns are not guaranteed.

    So how do we adjust our expectations and behavior accordingly? I’ll tell you how I’m pivoting in this week’s episode.

    I invited Bloomberg ETF analyst Eric Balchunas on the show to talk about the history of low-cost investing, Jack Bogle’s legacy, and Vanguard’s role in changing the industry forever—plus, his spicy take on cryptocurrency. 👀

    Resources

    • Eric's book, The Bogle Effect


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    Money Mindset: How the Victim vs. Victor Dynamic Shapes our Financial Outcomes Jun 15, 2022

    One of the single-most impactful determinants of our outcomes in life is our self-concept: Our identity. Whether we see ourselves as the victims of circumstance or victors over our challenges. It plays out in everything from miscommunications at work to compensation conversations.

    The victim mindset tells you that you're not in control of your outcomes, while the victor's mindset acknowledges that—while life isn't fair—you have some control over your outcomes and are capable of overcoming the challenges you're presented with. At the crux of it all is a sense of control.

    Sometimes, we ascribe to a victim mindset and undermine our own resilience, capacity, and control—and stand in our own way in the process. Making the conversation more complicated? The reality of victimization and privilege.

    My guest today, Dominick Quartuccio, gives us a three-step framework to rewire these negative thought patterns, design a future we can "live into," and regain control over our lives and finances.

    --

    Follow Along

    Dominick Quartuccio: https://www.dominickq.com/

    Ayishat Akanbi's book, The Awokening: Clarity, Culture ,and Identity in the Web of Chaos

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    Building a Six-Figure Side Hustle, Monetizing Content, & Budgeting with Variable Income Jun 08, 2022

    If you've ever wondered how Money with Katie went from a $0 side hustle to a half-million venture in two years (and if you can do the same!), then this episode is for you.

    Today, I'm getting into the weeds and sharing exactly how Money with Katie makes money, all things sponsorships and affiliates, and even ventures I tried that didn't quite pan out. I share real numbers and stories, beyond just the surface-level stuff you've heard before.

    And because becoming a creative entrepreneur often means budgeting with variable income, I invited Lauren Anastasio, director of financial advice at Stash, to talk about setting yourself up for financial success from day one of your entrepreneurial journey.

    Follow Along

    • Blog
    • Instagram
    • Twitter
    • Inspiration for this show's episode: March 2020 Lessons for 2022 and Beyond
    • Breaking down the SEP IRA and a Solo 401(k) for those with self-employment income


    This episode is presented by Betterment.

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    To Prenup or Not to Prenup? with the Fiscal Feminist, Kim Davis Jun 01, 2022

    Let’s kick this off with an admission: We don’t have a prenup.

    In today’s episode, I’ll tell you why—and why we probably should’ve gotten one.

    We also talk with Kim Davis (former Wall Street attorney, present managing director at the Bahnsen Group, and founder of the Fiscal Feminist) about:

    • How the “stay-at-home” spouse can protect themselves financially
    • Why the prenup agreement is like an insurance policy for your marriage
    • What Kim thinks about joint credit cards
    • How much to budget for a prenup

    …and a whole lot more.

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    • Read Kim's book, The Fiscal Feminist

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    Buying Small Businesses: Is Investing in One Worth It? May 25, 2022

    A couple months ago, I got really anxious about income.

    Aside from ~lite paranoia~ being one of the core tenets of my personality, my concern was (probably) justified. Rumblings of a recession on the horizon, #stonks going down, and the fact that Money with Katie was my sole source of income started to make me feel a little…vulnerable.

    So I started looking into alternative investments. While I deeply considered real estate and passed for the time being, I discovered an amazing world of online content around buying small businesses and began my pursuit.

    This episode dives into where I looked, what I found, the two businesses I almost bought, and why I didn’t pull the trigger. Plus, two interviews: One with Sarah Becker, a friend of mine who bought a dilapidated commercial property in her neighborhood when she was 24, and another with Steffany Boldrini, a successful investor in the self-storage space.

    Sarah's new course, Independent Retirement Academy, launched on May 23. Listeners of Money with Katie get $50 off with code MWK50.

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    • Blog
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    How to Start Investing Successfully with Just Two Funds May 18, 2022

    The best part about living in 2022 is the fact that you don’t have to know anything about investing to be a successful investor thanks to products like Betterment (and financial technology more broadly).

    But what if you do want to manage your own investments? Then what?

    Before I learned about Paul Merriman and Chris Pedersen’s Two Funds for Life strategy, I never really knew what to tell people aside from do your research and best of luck to you, madam.

    So this week, I’m joined by Chris (who created the Two Funds for Life model) to talk about an amazing 80/20 solution for getting proper, low-cost diversification with only two funds (hence the name). Not only that, but the “rebalancing” is more or less taken care of for you.

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    The Myth of the "Dream Job" and Expanding Your Earning Potential May 11, 2022

    Lauren from Career Contessa joins me this week for a revelatory conversation about the myth of the elusive “dream job.” Ironically, it took getting my dream job to realize it’s…still a job. Wait a second, why does this still feel like work sometimes?

    So why does acknowledging this myth and moving past it matter? Because the illusion that there’s a “dream job” out there for you (the career version of a soulmate) leads to both expectation hangovers and disappointment when—surprise!—even a job you really like comes with downsides. This episode is an exploration of the idea that maybe the grass isn’t always greener, and the things that make a job “good” are often overlooked in our misguided pursuit of a job that elicits “passion.”

    That said, we also discuss the importance of liking what you do (to a healthy extent) and the positive financial outcomes that enjoying your work can bring.

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    BONUS: The SHEcession, Childcare, and Modern Motherhood in the US May 08, 2022

    ...because who's more qualified to talk about the challenges of being a mother than someone without kids, right?! Right?!

    3.5 million women were pushed out of the workforce in March 2020 because of caretaking challenges. Overnight, we dropped to 1988 levels of women’s workforce participation, which confirms the theory that there’s a causal relationship between childcare availability and affordability, and women’s workforce participation.

    Hear from your favorite childless woman (yours truly!) and a slew of Rich-Girls-Turned-Rich-Moms about how they've addressed these challenges in their own lives.

    One of the Rich Girls (Moms) who called in is also a personal finance writer: Ashley Feinstein Gerstley is the author of Financial Adulting, a guide that breaks down everything you need to be a financially confident and conscious adult. As a trusted money expert, she has appeared on or been quoted in The Financial Times, the TODAY Show, CNBC, Forbes, NBC, Glamour and the The New York Times. Ashley has worked in the financial services industry for over fifteen years: first as an investment banker, then in corporate finance, and most recently running The Fiscal Femme. She graduated with a bachelor's in finance from the Wharton School at the University of Pennsylvania.

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    The Most Dangerous Misconceptions about the 4% Safe Withdrawal Rate May 04, 2022

    So much of personal finance and early retirement #literature is predicated on the 4% safe withdrawal rate that it’s easy to forget that the “rule” was discovered in the 1990s by the original Freak in the Spreadsheets, Bill Bengen.

    And man, the financial media loves to splash sensational headlines about the 4% rule all over the place (“The founder of the 4% rule just changed it!”). You know the kind.

    But there are a lot of misconceptions about the 4% rule, including the recent criticisms that it’s no longer valid. If you ever want to retire, this episode is a must-listen.

    I welcomed Brian Feroldi onto the show to talk about the underlying assumption that makes the 4% rule work—over time, the stock market generally goes up. Brian's new book (aptly named Why Does the Stock Market Go Up?) is out now.

    Sources cited

    • Historical bond returns
    • You can find Brian at his new site: https://longtermmindset.co/


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    Why Owners & Renters Alike Would Benefit from a Housing Market Cooldown Apr 27, 2022

    Today's episode is about the current reality of the US housing market (and stock market, to some degree) and how it's—paradoxically—not actually good for anyone, renters and owners alike. The one group it is benefiting? Investors.

    The episode dives into why I think a cooldown is inevitable, and focuses more on why human shelter turning into an inflated asset class is dangerous for everyone who needs a house to live in. Look no further than Canada’s precarious situation and increasing homelessness for a cautionary tale.

    My guest this week (Brandon of Mad FIentist fame) lends his perspective as someone who narrowly escaped the bubble burst in 2008 and ended up losing money on his next property—only to be priced out entirely in 2022. For context, Brandon retired a multimillionaire at age 34. He rents.

    Cited Sources

    • Philip Pilkington's dire warning about intergenerational "war" stemming from inflated asset prices
    • Investor participation in the real estate market reaching new highs (Washington Post)
    • Americans' inability to pay for a minor emergency

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    How to Buy Back Your Time: Outsourcing Tasks with Farnoosh Torabi Apr 20, 2022

    Today's episode is all about outsourcing, a topic around which my views have evolved over the years.

    (Read: As you get older and busier, you're less interested in "doing it all," apparently.)

    We discuss how to determine what's worth outsourcing in your life and how much to pay for it, as well as address some common objections. My guest today, Farnoosh Torabi, is an icon in the personal finance world (and a mother of 2!) and she's got some #hottakes on the value of her (and your) time.

    You can check out Farnoosh on CNET's So Money podcast.

    To learn more about the Money with Katie Retreat, head here.

    Resources

    • Average time use per day of American men and women from the U.S. Bureau of Labor Statistics
    • "Even female breadwinners (the 29% of American women who out-earn their husbands) bear the brunt of household labor."
    • "Even during a pandemic, gender gaps in sharing household responsibilities persist."

    FOLLOW ALONG

    • Money with Katie Blog
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    • Sign up for the Newsletter!

    FULL EPISODE TRANSCRIPTS AT HTTPS://PODCAST.MONEYWITHKATIE.COM

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    Investing in the Age of "Overvalued" Stocks & Homes with Nick Maggiulli Apr 13, 2022

    Today, my friend Nick Maggiulli (COO of Ritholtz Wealth Management & former data scientist, as well as author of Of Dollars & Dataand his new book, Just Keep Buying) joined me to talk about something that’s been (justifiably) freaking me out a little bit lately. To boil it down to its most layman's terms is the government’s money printing the reason why stocks and homes are worth so much more now, and does that mean we’re headed for a crash?

    More to the point: What the hell do we do about it?

    I think you’ll enjoy the little history lesson throwback (Kansas farmland in the 1970s, anyone?), the explanation of quantitative easing and expansionary monetary policy (I wish my Econ 101 professor could see my B+ self now), and—most importantly—the conversation I had with Nick about what we’re supposed to make of all this.

    Here's the Politico article referenced.

    Point of clarification: We reference the S&P 500's PE ratio (25 as of this recording) and Shiller PE ratio, or CAPE ratio (36 as of this recording), in this episode, and (somewhat confusingly) switch between the two in the conversation. Nick originally describes the CAPE ratio, and then I ask him his opinion of the current PE ratio.

    FOLLOW ALONG

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    FULL EPISODE TRANSCRIPTS AT HTTPS://PODCAST.MONEYWITHKATIE.COM

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    Why You May Need to Save Less Than You Think for Retirement Apr 06, 2022

    Worried you're behind, or may not have enough money to retire someday?

    You may have less cause for concern than you think. Today’s episode dives into the math behind why you may need to save less than you think for retirement, with two solid examples from my own life.

    Plus, an interview with Kim Curtis, a nationally recognized wealth management advisor and President and CEO of Wealth Legacy Institute, where she dives into what we actually need to be worried about in retirement. Hint: It’s likely not running out of money.

    FOLLOW ALONG

    • Money with Katie Blog
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    FULL EPISODE TRANSCRIPTS AT HTTPS://PODCAST.MONEYWITHKATIE.COM

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    Negotiating Tactics that Actually Work Mar 30, 2022

    Today, we're digging into negotiation tips that actually work—no perfecting crafty word play, performing mental jujitsu on a recruiter, or documenting months of "wins" required.

    Since I'm not a negotiation expert (just a gal who enjoys negotiating), I brought in two guests today: Miranda Martin, a CEO Coach who speaks to money mindset, and a dear friend of mine, Career Coach Darci, who speaks to compensation research and recruiter relations.

    Here's the blog post that complements this piece—it's all about how I increased my income.

    FOLLOW ALONG

    • Money with Katie Blog
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    FULL EPISODE TRANSCRIPTS AT HTTPS://PODCAST.MONEYWITHKATIE.COM

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    Everything's an Investment: Building Your Epic Spending Plan Mar 23, 2022

    Today, we're diving into the money psychology that impacts the way we spend and save—and I'll give you the framework for an epic change to the way we think about spending and investing for today and the future.

    We'll also hear from Adam Day, a Certified Financial Planner who happens to be a Level 1 Certified Financial Therapist, about ways you can start to unearth the money stories driving your behavior.

    Self-awareness is key, no?

    Here are some of the free resources we mentioned in the episode:

    • Future Self-Continuity and Its Impact On Financial Planning (kitces.com)
    • Money Motivator - Start (wqcorp.com)
    • Klontz Money Scripts Test (bradklontz.com)

    FOLLOW ALONG

    • Money with Katie Blog
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    FULL EPISODE TRANSCRIPTS AT HTTPS://PODCAST.MONEYWITHKATIE.COM

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    The Unexpected Problem with Your Financial Goals Mar 16, 2022

    Today’s episode is about the one major issue we all share with our financial planning:

    As humans, we’re bad at anticipating what’s going to make us happy.

    Yep—it’s kinda hard to plan for what you think you’re going to want in 40 years, huh? Especially when some of those decisions tend to be inflexible.

    You’ll also hear from Sam Dogen (a.k.a., Financial Samurai) about his journey retiring—then un-retiring—at age 34.

    You can preorder Sam’s book here.

    Here’s more information about why humans are bad at predicting what’s going to make us happy (or unhappy), and here’s the article I referenced about optimizing your tax strategy for early retirement.

    Here's my Financial Independence Planner that I use to project my path to financial freedom based on my current invested assets, income, and spending.

    FOLLOW ALONG

    • Money with Katie Blog
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    • Sign up for the Newsletter!

    Full episode transcript below.

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    Navigating the U.S. Healthcare System Without Getting Financially F***ed Mar 09, 2022

    The healthcare marketplace in the United States is confusing, complex, and expensive.

    Why is it the way it is? Has it always been this way? Is it this way everywhere? These were my questions when I began this deep dive.

    After reading a couple books, going on a week-long internet deep dive, and interviewing a healthcare consultant, I felt ready to bring some of my initial findings to you. Big thanks to Taylor, a healthcare consultant, for being interviewed for this episode, and Kaleigh, for sharing her experience giving birth to her daughter.

    Snag a copy of Taylor's TEMPLATE FOR DENIED INSURANCE CLAIMS.

    Since this is a relatively fact-filled episode, sources are listed below by claim.

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    CLAIMS & MORE RESOURCES

    • Any claim that doesn’t have a URL attached came from the book The Healing of America by T. R. Reid.
    • “Of the 11 richest countries in the world, America’s healthcare system ranks 11th. The judgment metrics are as follows: Access to care, care process, administrative efficiency, equity, and healthcare outcomes. The U.S. ranked last in four of the five criteria, with the exception of “care process,” for which we ranked second.
    • Historical deep dive resource
    • “The U.S. spends roughly the same amount as a percentage of GDP on Medicare and Medicaid alone that the rest of the rich countries spend insuring their entire populations, and the private sector spends even more.”
    • “Estonia, Slovenia, Hungary, the Czech Republic, Korea, Israel… all of these countries have lower infant mortality rates than the United States.”
    • “And pharmaceutical companies do spend, on average, around 20% of their total revenues on R&D.”
    • “The U.S. actually ranks sixth in the World Index of Healthcare Innovation, behind Switzerland, Germany, and the Netherlands.”
    • “A new analysis from insurance giant Humana itself and the University of Pittsburgh School of Medicine found that between $760 billion and $935 billion—or about a quarter of all U.S. healthcare spending—is considered “waste.””
    • Comments about Sweden’s economy and benefits


    FULL TRANSCRIPT AVAILABLE AT HTTPS://PODCAST.MONEYWITHKATIE.COM

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    Common 401(k) Mistakes to Avoid: Fees, Being Overly Conservative, and More Mar 02, 2022

    Today, we're taking a break from questioning the socioeconomic status quo and digging into a more tactical, technical topic: The most common 401(k) mistakes I see.

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    Is "Financial Independence" a Sign of... a Problem? Feb 23, 2022

    Today, we hear from Dr. Anna Hulett, an industrial organizational psychologist (think female Adam Grant), about the state of work in the United States and why there’s a small legion of Millennials obsessed with financial independence retiring early.

    Is financial independence a sign of… a problem?

    We examine data from other places (read: Scandinavian countries) where employment rates are higher, people are happier, and – ironically – the taxes and social safety nets are extreme.

    There’s a LOT to unpack here. Here’s the article referenced throughout.


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    Building Financial Intimacy: How to Deal with Financial Irresponsibility in a Relationship Feb 16, 2022

    Today, we hear from several #RichGirls about the role money plays in their relationships and talk about ways to improve financial intimacy – and, most importantly, create some common ground with a financially irresponsible partner.

    Whether you're the irresponsible partner or you're trying to cope with having one (or hey, maybe you two switch places!), this episode provides tangible tactics (and even a few 'scripts' you can try) for improving your finances – together.

    Thanks to all the #RichGirls who agreed to be interviewed for this episode.


    Other Resources

    An Efficient Way to Combine Finances for Marriage

    How We Built our First Couple's Budget


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    Is House-Hacking Still Lucrative in 2022's Housing Market? Feb 09, 2022

    Ever seen folks on the internet talk about house hacking? It's – admittedly – a magical concept if you can pull it off, and basically involves living for free by buying a place and then having your tenant foot the bill. As someone who loves free shit, I was IN.

    Except... the cost of homes has skyrocketed, and the price of rent (in a lot of places) hasn't risen as much. What does that mean for those trying to get in now?

    Big thanks to Mallory (@fuelingfinancialfreedom on Instagram) for being my #RichGirl interviewee for today's episode.

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    A SPENDING PROBLEM?: What Gambling Addiction Research Teaches Us About Our Financial Behavior Feb 02, 2022

    Today's episode dives into gambling research (via Chief of the Stanford Addiction Medicine Dual Diagnosis Clinic, Dr. Anna Lembke) and what it teaches us about our own dopamine pathways:

    Specifically, how strange it is that we can get the most dopamine when something objectively bad is happening (like losing money while gambling).

    We'll discuss unhealthy relationships with spending, earning, saving, and – bonus! – we'll hear from 3 members of the Money with Katie community who share their stories about spending problems.

    Finally, we'll review two major tactics you can try to address the issue (whether you're more of a compulsive spender or saver).

    A big thanks to #RichGirls Cynthia, Kate, and Taylor for their vulnerability.

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

    ALL THINGS ENTREPRENEURSHIP: Pt. 2 with ChroniFI Founder, Ben Miller Jan 26, 2022

    Today’s episode brings back our friend Ben Miller, Founder of ChroniFI, for a Pt. 2 (for our first conversation, check out Ep. 11).


    We talk all things entrepreneurship:

    • The difference between working a 9-5 and entrepreneurship
    • The surprising aspects of monetizing a blog
    • Why entrepreneurship isn’t a democracy
    • The unexpected pros & cons of starting your own “thing”
    • How to begin to find the thing you’re passionate about
    • The consequences of living in alignment, “scratching the itch,” and indulging curiosity for curiosity’s sake

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    FINANCIAL FREEDOM: How Much Money Would You Need to Never Worry About Money Again? Jan 19, 2022

    Today's episode is a deep dive into a concept that most of us have probably never stopped to ponder: How much money would I need to never worry about money again? If the answer is, "There's no amount of money that would make me stop (insert hyper-frugal habit here)," this episode might be a must-listen for you.

    We'll talk resources, privilege, time, and the ultimate existential crisis-inducing question: What's the point?

    Moreover, is there a mathematically sound or reasonable way to calculate that number?

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

    NICE STUFF IS MAKING YOUR LIFE WORSE: Reflections on Materialism Jan 12, 2022

    Today, we're revisiting a topic I first covered a few years ago – but with a renewed interest after the Christmas season (and all the damn Amazon boxes that accompany it).

    Thanks to today's sponsor, Capitalize, for their partnership in today's episode. If you'd like Capitalize to roll over your 401(k) for free FOR you, check them out.

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

    TRAVEL REWARDS PT. 2: How to Decide Which Card to Use & Other Ways to Earn Points Jan 05, 2022

    Welcome back to Season 2 of the Money with Katie podcast!

    Today, we're exploring the ways in which I think about strategizing your spending across different credit cards (and how to earn more points).

    You can sign up for the Travel Rewards 101 free mini course here.

    Thanks to Capitalize for sponsoring today's episode – you can learn more about using Capitalize to roll over your old 401(k) for free here.

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    #12: MY TOP 3 FINANCIAL LESSONS OF 2021: Earning More, Lifestyle Creep, and the Truth About Alignment Dec 22, 2021

    Today, we're discussing the top 3 financial lessons I'm taking from 2021.

    This is the last episode of season 1, and I'd love to hear what you're interested in for season 2. Shoot me an email at podcast@moneywithkatie.com!

    Thanks to Capitalize for sponsoring today's episode. Capitalize is my favorite free 401(k) rollover service, and you can read about my experience using their product to roll over my 401(k) here.

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    #11: MONEY, HAPPINESS, AND TIME: Interview with Ben Miller, Founder of ChroniFI Dec 15, 2021

    Today, I'm interviewing a friend of mine who left the trading floor at Goldman Sachs to start his own company that helps people make sense of their finances and relate them back to the one precious resource that matters most: Time.

    I loved this conversation, and Ben is fantastic, as you'll hear. Here's where you can find him:

    • Try ChroniFI with a 60-day free trial: www.chronifi.com/katie

    • Ben's budding blog, which I'm trying to convince him to blow up even more

    If you're interested in rolling over a 401(k) with the sponsor of today's episode, Capitalize, check out my full product review here.

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    #10: 3 QUESTIONS YOU SHOULD ASK YOURSELF FOR 2022: Annual Financial (and Life) Planning Dec 08, 2021

    Today, we're talking about three questions we should be asking ourselves in preparation for a new year.

    Annual planning (both financial and otherwise) is super powerful for achieving the things we want. Our three questions:

    1. Where will I be one year from today?

    2. Where am I right now?

    3. What's my one word for 2022?

    In this episode, I'll talk you through how to answer these questions (and the questions within them) and how to use them to reach your goals in 2022.

    The 2022 Wealth Planner launches January 1, 2022 at midnight.

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    #9: HOW TO FIND A WELL-PAYING CAREER YOU LOVE: Interview with Millennial Success Coach Eliana Goldstein Dec 01, 2021

    Today on the show, I've got my friend Eliana Goldstein, a Millennial Success Coach who focuses on career coaching (she's certified!).

    Sign up for Eliana's free masterclass for Money with Katie listeners on Wednesday, Dec. 8 here (4PM PST/7PM EST).

    We discuss:

    • Her journey to becoming a career coach and why she's uniquely qualified to do it

    • Why so many Millennials are unhappy in their careers, and how they can begin to remedy it

    • How we should think about the "fulfilling career" vs. "high-paying job" tradeoff

    • Career mindset & mapping

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

    #8: BETTERMENT CEO INTERVIEW: Financial Independence & Successful Investing with Sarah Levy Nov 24, 2021

    I was excited to talk to Sarah, the CEO of Betterment, about some of the tough questions I've wanted to ask someone for a long time:

    1. COMPETITION: What makes Betterment better than, say, Wealthfront?

    2. HUMAN EXPERTS: How much human involvement goes on behind the scenes with a roboadvisor?

    3. THE FUTURE: Where's Betterment headed in the next 5 years? 10?

    4. INVESTING WITH YOUR VALUES: How is Betterment approaching socially responsible investing?

    If you want to get started with Betterment, you can do so here.

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

    #6: MY ACTUAL FINANCIAL INDEPENDENCE PLAN: The Next 4 Years of My Life Nov 10, 2021

    Today, we're riffing on a few things: How I discovered financial independence, what my life was like then, the progress I've made, and how my goals have shifted since then.

    Ultimately, we're taking a more thoughtful look at the way we approach financial goals and if – sometimes – we kinda miss the point.

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

    #5: SPENDING GUILT: 3 Tips to Overcome Guilty Spending Nov 03, 2021

    Inspired by my recent venture into the capsule wardrobe, I wrote and recorded this episode about overcoming spending guilt as an objectively high earner who has a hard time spending money. We'll dig into...

    1. My money stories from childhood

    2. Why (I think) I have a hard time with spending, and what I'm doing about it

    3. 3 legitimate, actionable tips for feeling less guilty about spending your money

    The budgeting app I mentioned in today's show is called Copilot, and you can use the code KATIE2 to double your free trial.

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

    #4: SELF-EMPLOYMENT TAXES: How to Save on Taxes When You're Self-Employed Oct 27, 2021

    Self-employed people are able to contribute a ridiculous amount of money to their special self-employment retirement accounts. Today, we're going to dig into:

    • Everything you need to know about Solo 401(k)s and SEP IRAs

    • Where your self-employment tax even comes from

    • How to decide what's better for you – Solo 401(k) or SEP IRA – depending on how much money you make and whether or not you have a full-time job, too

    • The only way to avoid paying the 15.3% self-employment tax

    • How you could save more than $10,000 in taxes

    • The easy calculation for figuring out how much you're allowed to contribute to a SEP IRA or Solo 401(k)

    • My new strategy for ditching the Backdoor Roth IRA and getting Roth exposure elsewhere, allowing me to use a big, fat SEP IRA

    RESOURCES MENTIONED

    • You can open a SEP IRA with Betterment today

    • The fancy IRS calculator for determining what you're allowed to contribute (but I'd just use the easy formula I mentioned in the episode!)

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

    #3: TOP 5 PERSONAL FINANCE BASICS: Money for Beginners Oct 20, 2021

    Today, we're looking at the top 5 basics for people who are starting their personal finance journey:

    1. Paying off debt strategically

    2. Not over-doing the emergency fund

    3. Investing early and often in a tax-efficient way

    4. Living beneath your means

    5. Using credit cards to travel for free

    RESOURCES MENTIONED

    • Get started with Betterment > "Betterment Safety Net"

    • Pick up a Wealth Planner tool for an exact emergency fund recommendation

    • How to Use Your 401(k) in Early Retirement without a 10% Penalty

    • 401(k)s for the Self-Employed

    • A Case for Why Nice Stuff Might Be Making Your Life Worse

    • The Top 3 Spending Mistakes I See

    • Travel Credit Cards: A Full Breakdown Guide

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

    #2: HOW TO TRAVEL FOR FREE: Credit Card Travel Rewards 101 Oct 13, 2021

    An episode by popular demand: Let's talk about how you can travel for free using credit card rewards. Today, we're going to talk about:

    The prerequisites for using credit card travel rewards (who should and shouldn't be doing this)

    FAQs about timing, risks, credit score implications, and more

    The 5-6 cards I recommend getting, in order, and why the annual fees are worth it

    RESOURCES MENTIONED

    The Wealth Planner

    The Chase Freedom Flex Card application link

    The Chase Sapphire Preferred application link

    The Chase Southwest Airlines Rapid Rewards Priority Card application link

    The Chase Marriott Bonvoy Boundless Card application link

    The Platinum Card from American Express application link

    The Platinum Card from American Express full updated review

    Travel rewards as a couple ("two-player mode")

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

    #1: HOME OWNERSHIP RANT | My Real Beef with the Debate Oct 06, 2021

    The home ownership debate (to rent or to buy?) is heated and – I would argue – frustrating. Today, I'm diving into my REAL beef with the, "Renting is throwing your money away," condescension – in the hopes that young people will learn how to run the numbers instead of relying on conventional wisdom.

    ARTICLES REFERENCED

    When the Math Supports Buying Your Primary Residence

    Our Net Worth is More than $500,000 – Here's Why We Choose to Rent

    Why Your House is a Terrible Investment (JL Collins)

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

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