The Money with Katie Show

Latest Episodes:

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

Show notes

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.
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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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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 Maximize Your Credit Card Points Feb 03, 2023

Show notes

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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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

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

Show notes

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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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

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

Show notes

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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Read Money with Katie: https://moneywithkatie.com/
Follow Money with Katie!
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Learn more about your ad choices. Visit megaphone.fm/adchoices
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

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

Show notes

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/
—
Follow Along at Money with Katie: https://moneywithkatie.com/
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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 Can We Talk To Boomers About Money? Jan 20, 2023

Show notes

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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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 Monetization of Self: Personal Brands and the Business of Influencing Jan 18, 2023

Show notes

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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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 Much Should We *Really* Be Tipping? Jan 13, 2023

Show notes

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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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

Breaking Down BlackRock’s 2023 Investor Guide: 3 Tips for Investing This Year Jan 11, 2023

Show notes

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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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

Should I Stop Loaning Money to Friends? Jan 06, 2023

Show notes

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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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

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