Happy Super Bowl weekend! Let’s go Chiefs, in with the young, out with the old :)

We start the show with Vicky from New England who’s wondering if she’s being charged too much by her financial advisor. And did she get suckered into purchasing a needless insurance policy?

We finish up the hour by answering a few emails.

GameStop has been all the rage lately, but I really think it’s a story that goes beyond finance and into tech.

And when the worlds of finance and tech collide, my man, Jeff Bakalar, is my go to source! (And I'm his go to source, which is why he had me on his CNET show to help explain the concept of short selling. You can check it out here.)

You've heard Jeff on the pod before, but in case you've forgotten, Jeff is the editor-at-large at CNET, and a total tech geek who's with us this weekend to help explain what in the world happened this week with GameStop and Reddit.

GameStop, the brick-and-mortar video game seller that many presumed was destined to the dustbin of retailers, started to attract enormous interest from individual investors on Reddit, a message board where community members create content, submit links, and comment on specific topics (subreddits).

The GameStop believers touted the upside as early as mid-2019, after Michael Burry (the guy featured in “The Big Short,” who bet against the housing market in the mid-2000’s) had amassed a big position in the company. The chatter continued into 2020, when GameStop was trading at about $4/share.

GameStop saw the culmination of the mother of all short squeezes on January 27th, when the stock soared by more than 130 percent to nearly $350/share, almost ten times the value from the prior week and putting its year-to-date return at 900 percent.

And remember folks, those who are investing in volatile stocks like GameStop should be prepared for a wild ride, and should only risk what they can afford to lose. 

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Just like last week, no guest in hour two this week. A few segments of calls and a few segments of answering emails. The old school approach continues for at least another week :) Reminds me of when we started this little adventure back in 2011!

First up is Jason from DC who’s wondering if he can afford to make a career change, as well as mix in a bit of international travel, all during a pandemic.

Then we chatted with Tony from Buffalo who had a few mortgage/real estate related questions as he and his wife plan out their future dream home.

Nothing like helping settle a friendly, sisterly debate about who’s right when it comes to using a Roth IRA. One sister says yes, Roth all the way! The other says not so fast, I think pre-tax is the way to go. Is there a winner?

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

This week it’s a throw back of sorts, back to when we used to take a bunch of callers every week. So no guest this week, instead we’re giving you a few calls and a slew of emails.

The first call was from Anthony in Arkansas who’s wondering if he’s actually saving too much for retirement. Is there such a thing?

Next was Kelly in North Carolina, also with a retirement question. Only in his 20s, Kelly is looking to do everything he can now to ensure that he has plenty of options down the road.

We started hour two with Joan who was wondering if there’s a best way to handle RMDs. Turns out we also learned that Joan is using way too many funds in her retirement accounts.

As I always like to say, when it comes to investing, less is usually more.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Happy MLK Day weekend! I hope most of you are off on Monday and can enjoy the holiday, and can also stay up late on Sunday watching some NFL playoff action!

This week we have a fresh batch of emails as well as the latest infuriating call from somebody being pitched an insurance product.

It's a new year which usually means a lot of resolutions as people try to shake things up in their lives, whether it's a diet or a new career.

In hour two we have somebody who embodies fitness as well as an interesting career path.

Her name is Christine D'Ercole, and if you're a Peloton fanatic like me, then you're certainly familiar with her.

As a Senior Instructor at Peloton, her classes are grounded in the science of cycling and the power of words. Her unique style of mindful motivation inspires members of the Peloton community, reaching thousands of devoted riders every day.

And when she's not on the bike, Christine is a public speaker whose work is rooted in self-talk. Her WORDSHOPS© are workshops for editing our self-talk into the story we want our lives to tell. Her catalog of wordshops span topics from body image to addiction and loss to corporate cultural growth and team building.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Back in the saddle as we have our first new show of 2021, and it comes on the 10th anniversary of the Jill on Money radio show.

It was January of 2011 when Mark and I began this little passion project, doing it when we could squeeze in the extra time.

I think when we started Mark was working overnights at CBS News, now he pretty much makes his own schedule and plays Mr. Daddy, my how things have changed!

On to the show with a fresh batch of questions and a caller in hour one.

In hour two we’re joined by Brent Weiss, co-founder and Head of Planning at Facet Wealth, a new Jill on Money sponsor for 2021.

Facet Wealth is a financial service firm that believes in achieving your financial goals with a dedicated CFP® at an affordable price.

How many times have we all said “I can’t wait to retire?” But for many of us, when we really think about taking that next big step, all of a sudden we’ve got real legitimate questions, like how do I know when I’m ready? Or how will I pay for health coverage and when should I take Social Security?

The folks at Facet Wealth strive to provide the answers.

Whether it’s retirement planning, education planning, asset management, insurance or estate planning, Facet wants to show you what is possible with the next generation of financial life management.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

One more week off for us as we kick this dumpster fire of a year to the curb and ring in the new year! We’ve got a tough stretch ahead of us, but hopefully things start looking better on the “back nine” of 2021.

First up this week is the one and only Scott Galloway.

The COVID-19 outbreak has turned bedrooms into offices, pitted young against old, and widened the gaps between rich and poor, red and blue, the mask wearers and the mask haters. 

Some businesses, like home exercise company Peloton, video conference software maker Zoom, and Amazon, woke up to find themselves crushed under an avalanche of consumer demand. 

Others, like the restaurant, travel, hospitality, and live entertainment industries, scrambled to escape obliteration.

But as Galloway argues, the pandemic has not been a change agent so much as an accelerant of trends already well underway. In his latest book, Post Corona, he outlines the contours of the crisis and the opportunities that lie ahead.

Hour two is another business school professor.

How do you find a competitive edge when the obstacles feel insurmountable? How do you get people to take you seriously when they're predisposed not to, and perhaps have already written you off?

Laura Huang has come up against that problem many times, and so has anyone who's ever felt out of place or underestimated. 

Many of us sit back quietly, hoping that our hard work and effort will speak for itself. Or we try to force ourselves into the mold of who we think is "successful," stifling the creativity and charm that makes us unique and memorable.

In her recent book, Edge: Turning Adversity into Advantage, Huang offers a different approach. 

She argues that success is rarely just about the quality of our ideas, credentials, and skills, or our effort. Instead, achieving success hinges on how well we shape others' perceptions, of our strengths, certainly, but also our flaws. 

It's about creating our own edge by confronting the factors that seem like shortcomings and turning them into assets that make others take notice.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Merry, merry, merry, whatever it is you’re celebrating this weekend!

We’re taking a couple weeks off so we can recharge after basically going non-stop since March, so no questions this weekend, just a few interviews.

What do you do when you're faced with a big decision? If you're like most people, you probably make a pro and con list, spend a lot of time obsessing about decisions that didn't work out, get caught in analysis paralysis, endlessly seek other people's opinions to find just that little bit of extra information that might make you sure, and finally go with your gut.

What if there was a better way to make quality decisions so you can think clearly, feel more confident, second-guess yourself less, and ultimately be more decisive and be more productive?

That's the gist of our recent conversation with Annie Duke, author of How to Decide: Simple Tools for Making Better Choices.

In hour two we’ve got a couple in-studio interviews we conducted just days before the pandemic hit.

In Don’t Be Evil, Financial Times global business columnist Rana Foroohar tells the story of how Big Tech lost its soul, and ate our lunch.

“Don’t be evil” was enshrined as Google’s original corporate mantra back in its early days, when the company’s cheerful logo still conveyed the utopian vision for a future in which technology would inevitably make the world better, safer, and more prosperous.

Unfortunately, it’s been quite a while since Google, or the majority of the Big Tech companies, lived up to this founding philosophy. 

Next up is Robin Dreeke.

After two decades as a behavior analyst in the FBI, Dreeke knows a thing or two about sizing people up. He's navigated complex situations that range from handling Russian spies to navigating the internal politics at the Bureau. 

Through that experience, he was forced to develop a knack for reading people, their intentions, their capabilities, their desires and their fears.

In Sizing People Up, Dreeke shares his simple, six-step system that helps you predict anyone's future behavior based on their words, goals, patterns of action, and the situation at hand.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Here we are, the second to last weekend of 2020. Thank goodness!

After this week, the next couple shows will consist of some interviews as we try to take a brief break and recharge for 2021.

But we’ve got one more show where it’s the usual emails and caller in hour one, so let’s get started.

What would a wacky financial year be without some year-end money moves?!

Due to COVID-19, 2020 saw a lot of changes that will only apply to the current tax year, so there's a lot to unpack.

For such an occasion there's no better person than Michael Goodman from Wealthstream Advisors. And in the interest of full disclosure, not only is Michael a good friend of mine, he's also my advisor.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Just a couple weeks to go before the big day, so I hope you’ve got all your shopping done!

Our to-do list this weekend consists of answering your emails and talking to one of you guys.

Next weekend on the show we’ll have some last minute year-end money tips, so make sure to check it out.

Another pre-pandemic interview for you this weekend, and I think we’ve still got a few more that never aired, so expect to hear those in the coming weeks.

While most self-help books offer quick fixes, Everything is Figureoutable by Marie Forleo will retrain your brain to think more creatively and positively in the face of setbacks. 

If you're having trouble solving a problem or reaching a dream, the problem isn't you. It's that you haven't yet installed the one belief that changes everything.

Marie's mom once told her, "Nothing in life is that complicated. You can do whatever you set your mind to if you roll up your sleeves. Everything is figureoutable."

It's more than just a fun phrase to say. It's a philosophy of relentless optimism. A mindset. A mantra. A conviction.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Here we are in December, hard to believe, right? I for one will be very glad to push this year to the curb and welcome in 2021. It can only go up from here!

In the next couple weeks, in both hours, we’re going to start running some interviews we did pre-pandemic that never aired because things went wacky in a hurry.

For this week it’s business as usual. Plenty of emails, a caller, and a guest.

How do we win a game that has no end? 

Finite games, like football or chess, have known players, fixed rules and a clear endpoint. The winners and losers are easily identified. Infinite games, games with no finish line, like business or politics, or life itself, have players who come and go. 

The rules of an infinite game are changeable while infinite games have no defined endpoint. There are no winners or losers, only ahead and behind.

The question is, how do we play to succeed in the game we’re in?

Our latest guest, Simon Sinek, author of The Infinite Game, offers a framework for leading with an infinite mindset. (this is one of those pre-pandemic interviews I mentioned above)

On one hand, none of us can resist the fleeting thrills of a promotion earned or a tournament won, yet these rewards fade quickly. 

In pursuit of a Just Cause, we will commit to a vision of a future world so appealing that we will build it week after week, month after month, year after year. 

Although we do not know the exact form this world will take, working toward it gives our work and our life meaning.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Yes, this is still here, and it will be for a while to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 21 Download Hour One Here

Imagine this...you're in your 30s and a parent and grandparent just recently passed away.  One is bad enough, but  two losses seems unbearable. Now imagine that in the mourning process, you inherit over two million dollars! That's what happened to Jessica, our first caller this week. And as if she needs more to juggle, you can throw in the fact that Jessica is pregnant with her second child and she and her husband are selling their house and getting ready to move to another state.  It's a ton to process, hence the call to us.  Thankfully, Jessica has a good head on her shoulders.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 21 Download Hour Two Here

Ask some Wall Street veterans where they were on October 19, 1987 and they will likely regale you with details of any crisis. My life changed that day in ways that often creep up on me. Indeed, Black Monday was the single worst day in Wall Street history, with the Dow Jones Industrial Average plunging by more than 22 percent in one session--that’s the equivalent of the blue chip index diving by more than 5,000 points today.

It was a “First Class Catastrophe”, according to our first class guest and storyteller supreme, Diana Henriques, who dropped by the studio to help us retrace the events that led up to that day.

Diana joined us on the show earlier this year when her book, The Wizard of Lies: Bernie Madoff and the Death of Trust, was made into an HBO movie. This time around Diana is joining us to discuss her latest book, A First-Class Catastrophe: The Road to Black Monday, the Worst Day in Wall Street History.  As Diana recounts, Black Monday was more than seven years in the making and threatened nearly every U.S. financial institution.

There were missed opportunities, market delusions, and destructive actions that stretched from the “silver crisis” of 1980 to turf battles in Washington and a rivalry between the New York Stock Exchange and the Chicago Mercantile Exchange.

Here’s the crazy thing...you’d think that after Black Monday, lessons would be learned. But in her analysis, Henriques demonstrates how that Monday in the fall of 1987 was the predicate to the financial crisis of 2008. Sadly, investors, regulators, and bankers failed to heed the lessons of 1987, even as the same patterns resurfaced.

This was a fascinating interview for me because I lived through this period. I had just started my career on Wall Street, as the chaos was unfolding. I watched firsthand as my father nearly lost his business.  This chat was like going down memory lane and it’ll give you guys a good glimpse of the life I used to live before I started hosting podcasts and radio shows!

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 14 Download Hour One Here

Maybe I'm stating the obvious here, but life doesn't always unfold the way we want or think it will.  Things come up, and more often than not it's health related, just like with our first caller this week, Daniel from Atlanta. Daniel, a federal employee, was rolling right along until he was diagnosed with Parkinson's and eventually had to retire.  Now he's tasked with making his money last a lot longer than he was anticipating and wants to make sure his asset allocation is in good shape.  Here's a tease: it wasn't!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 14 Download Hour Two Here

We recently covered why Wall Street matters, on the show featuring Bill Cohan.

In hour two we’re doing a 180 with financial journalist and author Rana Foroohar. Rana’s book, "Maker and Takers: How Wall Street Destroyed Main Street", doesn’t exactly paint our economic system in the best light.

Rana explores how the misguided financial practices and philosophies that nearly toppled the global financial system have infiltrated many US businesses and discusses how the “financialization of America,” the trend by which finance and its way of thinking have come to reign supreme, is perpetuating Wall Street’s reign over Main Street. The ultimate result? A widening of the gap between rich and poor, which Rana argues, threatens the future of the American Dream. It's not all doom and gloom, because Rana lays out how we can reverse these trends and find a better path forward.

And since it’s not everyday that we have a Financial Times columnist in the studio, we also talked a good bit about the global economy, including Germany, Brexit, and China.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 7 Download Hour One Here

What happens when you're in your 40s, not a millionaire, and already retired? Well, you start to wonder if you retired too early, and that's exactly the case with our first caller this week, Lisa, from Michigan.  A retired cop, Lisa didn't really start socking away money until she was in her 30s...but let me tell you, she must've been cranking the past few years, because she's actually in pretty good shape.  Will she ever have to work another day in her life? You'll have to tune in for the verdict!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 7 Download Hour Two Here

Hour two this week is an example of my geekiness.

I love math and statistics...but I am nothing compared to the brilliant Cathy O’Neil. I have been a fan girl of Cathy’s since discovering her blog, mathbabe.org and then hearing her on the Slate Money podcast. Cathy, whose New York Times bestselling book Weapons of Math Destruction: How Big Data Increases Inequality and Threatens Democracy is now out in paperback, is the ultimate math geek, but more importantly, she is one of the most thoughtful intellectuals that I have encountered.

Cathy’s resume is impressive: a Ph.D. in math from Harvard, a postdoc at the MIT math department, a professor at Barnard College, where she published a number of research papers in arithmetic algebraic geometry and then a short-lived stint on Wall Street, before she launched her consulting firm, ORCAA.

When I heard Cathy explain complicated topics and then read the hardcover edition of the book last year, I knew we had to have her on the show. It’s such a fascinating read about how big data can be manipulated, infiltrate various parts of our lives and magnify the underlying inequality that exists in our economy. From how teachers are measured to how policing strategies are developed to credit scores and health insurance...it’s going to blow your mind when you hear how algorithms (mathematical models), dictate so much of our day-to-day experiences.

But what happens when these models are opaque, unregulated and incontestable? Unfortunately, the already unlucky and struggling among us, get the short end of the stick. What can individuals do about these unproven mathematical equations? As you’ll hear Cathy explain, it starts by asking some basic questions.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 30 Download Hour One Here

I love when we get calls from young people who have their financial lives in order.  We started the show with James from Philadelphia who definitely falls into that category.  He and his wife are expecting their second child and they're also looking for a new house.  It's a lot of stuff happening at once and sometimes it can freak people out. James just needed some reassurance and guidance, which was easy to provide because he and his wife are doing a great job!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 30 Download Hour Two Here

One of the goals of this program is to make the daunting seem doable. And there is no more daunting topic than college. From saving for it, selecting the right one and the heavy lifting of paying for it (whether out of pocket or through financial aid and student loans), the whole subject produces anxiety for students and their families.

But it doesn’t have to be that way, according to our guest Kelly Peeler, founder and CEO of NextGenVest, a free text message service to help students navigate the college selection and financial aid and student loan processes.

It’s the busy time of year for Kelly and her team, as October 1 marks the official start of FAFSA season. And that one single form is KEY. Can you believe that more than $2.7 billion dollars, yes billion with a B, of unclaimed financial aid money is left on the table every single year primarily because people don’t fill out the FAFSA form. That blows my mind.

By using NextGenVest, students and their families are connected with Money Mentors who will help coach them through the process and also provide key financial aid deadline reminders, form annotations, and on-demand help via text message to get more financial aid in high school and beyond. Mentors will also answer questions such as:

• How do I find scholarships I can actually apply to?
• Am I filling out the right FAFSA forms?
• Am I allowed to negotiate my college tuition?
• Is working during college a good idea?
• Can I still get scholarships even if I don’t have great grades?

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 23 Download Hour One Here

How would you feel if you had a windfall of nearly a million dollars? Pretty darn good, right? That's what happened to Chris from Arizona.  But when you come into such a large chunk of change there are plenty of other things one must consider.  Namely taxes.  Uncle Sam always wants his cut, and more times than not, it's unavoidable.  But there are some ways in which the tax hit can be minimized and that's why Chris was calling.  He wants to keep as much of the windfall as possible for himself...can't say I blame him!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 23 Download Hour Two Here

In light of the recent Equifax data breach we thought it was as good a time as ever to run a recent interview I did with identity theft expert Adam Levin, whose book Swiped: How to Protect Yourself in a World Full of Scammers, Phishers, and Identity Thieves, recently came out in paperback. We conducted the interview BEFORE Equifax, which is why we don't discuss it.

Adam is a consumer advocate with more than 30 years of experience and is a nationally recognized expert on security, privacy, identity theft, fraud, and personal finance. A former Director of the New Jersey Division of Consumer Affairs, Levin is Chairman and founder of IDT911 (IDentity Theft 911) and co-founder of Credit.com.

According to Adam, it’s best to assume the worst and learn how to protect your personal information, because creative and determined hackers are working hard to piece together snippets of information from a variety of sources in order to re-create your profile and use it to perpetrate fraud.

You need to guard your information, including Social Security Numbers, phone numbers, email and physical addresses, credit reports, medical records because thieves are trying to create a well-rounded dossier on who you are. But as you'll hear, there are steps that can be taken to minimize the damage.

This is scary stuff but I also think it's essential listening.  Like Adam says, it's when, not if, you will become a victim...a fact we have learned all too well with the Equifax data breach.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 16 Download Hour One Here

Before we jumped into your questions, I had to first talk about the massive Equifax data breach -- nearly half of the country was impacted!  How do you find out if you're one of the unlucky ones? If you were, what steps should you be taking? Check out my recent blog post.  It has all the necessary information.  If you're more of a visual person, I did a recent segment on CBS This Morning where I also outlined all the necessary steps.

Okay, on to the show and your questions...

Is there such a thing as saving too much money? That's how we started the show with Dave in Arizona, who has done an amazing job of saving for retirement...he's got over two million bucks! But he's now starting to realize that the money hasn't been taxed and he's going to have to pay Uncle Sam when his RMDs kick in down the road.  Or is he??  You'll have to listen for the answer...

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 16 Download Hour Two Here

Since it's September and back-to-school time we thought it was a good time to talk financial literacy.

You will often hear me say that before you worry about the financial future of your kids, you need to make sure you’re taking care of yourself first. But that doesn’t take you off the hook for discussing money with your kids.

Think of it as another one of the "talks"…so now in addition to the sex talk, the drug and alcohol talk, we can add the money talk. All of these conversations must occur at every stage of your child’s development, with age-appropriate messaging that the kids can absorb.

To help with your effort, this week we’re talking to Beth Kobliner, author of Make Your Kid A Money Genius (Even If You’re Not): A Parents’ Guide for Kids 3 to 23. Okay, okay, full disclosure, she’s also a friend of mine.

But that’s not why Beth is on the show.  She’s on because it’s an important topic. I know there are a lot of you out there with kids or thinking about starting a family, wondering how to have such conversations:

• How much debt should we take on for college?
• Should I give my teen a debit or credit card?
• Should I give my child an allowance?
• My kid wants to move back home…should I charge rent?

Those are just some examples and there’s plenty more in the book. Whether you’re a rookie in the parenting game or a veteran, this book will help. As Beth says, “Think of it as a guide for parents that offers the financial facts of life for kids 3 to 23.”

And FYI, Beth is the real deal. In 2010, she was selected by President Obama to be a member of the President’s Advisory Council on Financial Capability, where she created MoneyAsYouGrow.org. The site attracted more than 1.4 million visitors and was adopted by the Consumer Financial Protection Bureau in 2016.

So whether you have kids, are planning on doing so in the future or you are a beloved aunt or uncle, I encourage you to check it out. It’s never too soon to start the money talk!

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 9 Download Hour One Here

We started the show with a fun call from John in Chicago.  As he prepares for his wedding, John is trying to figure out the best way to have the financial talk with his fiancee, Kim.  John is more aggressive when it comes to finances, while Kim is more conservative, so we need to find a middle ground for these two lovebirds.  The good news is that they're already kind of talking about it, so it really shouldn't be that difficult to get them over the hump.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 9 Download Hour Two Here

Hour two this week is devoted to helping you stress proof your life.

Thanks to our guest this week, Mithu Storoni, it can be done.  Mithu is a University of Cambridge-trained MD, certified in Ophthalmology. She also holds a PhD in Neuro-ophthalmology.  In her new book, Stress-Proof, Dr. Storoni will help us all discover simple, science-based strategies for beating stress at its own game.

As listeners of the show, you guys are clearly into personal finance, and you don't need me telling you that money can be stressful.  Stress is an inevitable part of life. But how much is too much? Research is uncovering the delicate balance that can turn a brief stressful episode into systemic overload, eventually leading to anxiety, depression, and other chronic health issues.  But this doesn't have to be the norm.  There are ways to prevent it from having a negative impact on your life and health.

• When’s the best time to exercise – and how much is too much?
• Which foods fortify the brain, and which do the opposite?
• How can we use music, movement and motivation to boost our rational brain and keep our cool no matter what life throws our way?

The pages go on to outline seven paths to fighting the effects of stress–to strengthen our natural defenses so that our minds remain sharp, and our bodies resilient, no matter what life throws at us.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 2 Download Hour One Here

In the aftermath of Hurricane Harvey, we started the show with a quick reminder about flood insurance--and why most standard homeowners' insurance policies are not likely to cover thousands of victims of the storm.

We then spoke with Donna in New York, who had some questions about using a Roth IRA and whether or not it makes sense in her situation.  Next up may have been a first...in all the years we've been doing this I don't think we've ever had a call about a prenup.  Thanks to Stacy from Philadelphia there's a first for everything. Stacy is about to get married and she's wondering if she and her soon to be hubby need a prenup.  The interesting thing is that they're both on board with the idea.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 2 Download Hour Two Here

Hour two this week is devoted to defending Wall Street.  Yes, you read that correctly.

Imagine a world without companies like Apple, or media outlets such as CBS or NBC, without all of the cars and trucks crisscrossing the country, without food provided by the farmer...that’s what would happen if Wall Street did not exist...it would all go away, according to this week’s hour two guest, writer William “Bill” Cohan.

If you’ve read some of his previous books, like "House of Cards," or “Money and Power”, you know Bill is usually not one to shy away from going after Wall Street and its shortcomings. But in an interesting twist, Bill’s recent book, "Why Wall Street Matters," is a defense of the industry that he has previously pilloried.

In our interview, Bill describes a poor decision by Elizabeth Warren as the catalyst that propelled him to write this latest book. He tells us what Wall Street has done well, like providing the necessary capital to help grow companies. The money investors provide, allows companies to invest, expand and hire, thus propelling the economy.

Don’t be mistaken: Bill knows that Wall Street and the institutions that occupy the space in Lower Manhattan are imperfect, but he believes that there is far more good than bad -- and more importantly, the consequences would be dire if the essential role the industry plays were carelessly curtailed.

Bill had one goal when writing this book: for Wall Street to become understandable to the average American. In this easy to read book, Bill succeeded. I highly recommend you pick it up.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Aug 26 Download Hour One Here

You know the deal...hour one is all about your calls and emails.  This week we started with Ray in Connecticut who had some questions about Required Minimum Distributions (RMDs) and withdrawal strategies, as he approaches retirement.  Next up was Bob from San Francisco who finds himself in the awesome position of having over a million bucks sitting in the bank after selling his business and house.  With more money than he's ever had, he was looking for the best game plan going forward.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Aug 26 Download Hour Two Here

Hour two this week is devoted to the housing market.  Prices are up, inventories are down which means the housing market is hot again. It’s not like the crazy days of 2005, but conditions are a bit frenzied. To prepare for what is likely to be the biggest asset purchase or sale you’ll make in life, we turn to Stephen Gasque, host of Real Estate Today, a weekly radio program presented by the National Association of Realtors.

One of the topics we spent some time on is the current inventory crisis (inventory has declined year-over-year for 26 consecutive months) and why it’s seemingly harder than ever for potential buyers to find and land the home they want. Why is the competition among buyers more intense than ever?

Some of the other topics we discussed:

-What are the most common mistakes people make when buying or selling? -What’s the most important step for a potential buyer? -How to successfully invest in real estate as a rental property -The future of mortgage interest deductions -Renting versus buying

If you’re planning on going to an open house this weekend, give this one a listen for some tips that could increase your odds of landing the house before you walk through the front door.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Aug 19 Download Hour One Here

Another week of more great calls and emails in the first hour. We started with Brandon in San Antonio who is looking to minimize tax hits that he and his wife are facing. Next up was Andrea from New York who is on the verge of paying off her student loans and a credit card...woo hoo!!  The final call of the hour was from Cheryl in Massachusetts who has a sneaky suspicion that her advisor is charging her way too much.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Aug 19 Download Hour Two Here

Hour two this week is for all our young listeners and parents out there.  Consider it our latest effort to provide a bit of financial education to our audience.

To help us out we're chatting with Douglas Boneparth, a fellow CFP® who specializes in helping millennials manage their financial lives.

Doug and his wife Heather co-authored The Millennial Money Fix, a just-released book designed to help the powerful generation learn the reasons for their financial problems and also presents solutions to those problems.

The Millennial Money Fix examines the complex challenges facing millennials, like their lack of financial education in school and at home, the rising cost of education and the insane amount of student loan debt many face upon graduation.

But all hope is not lost for our future leaders.  Throughout the book Doug and Heather walk them through a series of steps to make sure they start out on solid financial ground.  Some examples include:

• Identifying honest and realistic goals.
• Selecting and paying for a college or graduate program
• Mastering cash flow to jumpstart your life
• Navigating the job landscape to do what you love
• Understanding investments, insurance and workplace benefits

With college about to start, you may want to stuff a copy of this book into that backpack.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio