The Money with Katie Show

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

Show notes

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.
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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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This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.katiegattitassin.com

Investing *Outside* Your Retirement Accounts Aug 30, 2023

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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
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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

Show notes

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!
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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.
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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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This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.katiegattitassin.com

The Truth About the Wage Gap Aug 23, 2023

Show notes

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
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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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This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.katiegattitassin.com

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

Show notes

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.
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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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This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.katiegattitassin.com

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

Show notes

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
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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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This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.katiegattitassin.com

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

Show notes

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.
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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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This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.katiegattitassin.com

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

Show notes

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
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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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This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.katiegattitassin.com

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

Show notes

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.
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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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This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.katiegattitassin.com