So Money with Farnoosh Torabi

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This week: Helping a listener who's overwhelmed by credit card bills; Should a listener quit her job if she is the breadwinner? And should another listener take an early retirement package if they still need to make money?

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So Money has officially won the 2024 Webby for BEST LIVE EPISODE RECORDING with comedian, actress and author Michelle Buteau. Relive the magic of that episode today, as Michelle shares her struggles and wins, rising through the world of show business and comedy. Learn about her investments, savings strategies and financial hopes for her two children. (This episode aired originally on August 21, 2023)

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In her new book The 50/50 Solution, creator of the Wealthy Single Mommy community Emma Johnson showcases the robust research proving that, in the vast majority of cases, equal timesharing is the best outcome for everyone in a family where the adults no longer live together. The 50/50 Solution will show you that equal parenting time leads to better physical, emotional, and mental health for children of divorce, higher career earnings for single mothers, fathers who are more engaged and whose rights as parents are preserved and far less parental and legal conflict.

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Today's show: The benefits of credit cards, recommended stock portfolio allocations and resources for helping kids learn about money. Plus: How to execute a Roth IRA?

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Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, which appeared weekly for a decade in The New York Times. He is the author of The Behavior Gap and host of the new podcast 50 Fires (I'm a guest!). We cover a range of complex financial topics in this episode from "enoughness" to finding meaning in your career and making investments that are "worth it."

Listen to Carl's previous appearance on So Money.

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My career has never been this ONE thing, and I sometimes worry that it seems like I’m scattered. My guest today wants us all to feel validated and secure in pursuing multiple pursuits simultaneously. Christina Wallace is the author of The Portfolio Life, in which she shares how we can develop an identity that is so much broader than just how we monetize our time today. Christina is also a Senior Lecturer at Harvard Business School, where she teaches entrepreneurship and leads the HBS Startup Bootcamp. She is also the co-founder of Nothing Ventured Productions, where she and her co-founders provide access to micro-investments in Broadway theatre. Christina and I will talk more about investing in theatre, crafting your portfolio life, and the applications of AI in our daily lives.

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This episode originally aired on March 8, 2024.

Learn more about Farnoosh's private book workshop Book to Brandhere.

This week: Questions about how much is 'enough' to store in a checking account versus a savings account, the pros and cons of 529 prepaid college tuition plans, and whether a listener should sell her home if the equity can provide her family with more financial flexibility.

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We're exploring Loud Budgeting, a financial trend that originated on TikTok. How does it work? Is it a good strategy for everyone?

Guest Stephanie Vaught is the founder of Social Money Finance, a personal finance company specializing in helping Gen X women make empowered financial decisions. She is also the co-founder of The Creators' Nest in Detroit, MI.

This episode originally aired on Feb 14, 2024.

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This episode originally aired on March 4, 2024. What did you learn about money growing up? What were the messages you received about money from parents, your friends, media and your culture? Our guest Giovanna "Gigi" Gonzalez is the author of Cultura and Cash, in which she shares her journey as the daughter of Mexican immigrants and the money scripts she needed to rewrite as an adult to claim financial security.

Gigi is a TikTok influencer and financial educator who, during The Great Resignation, quit her 10-year corporate career to pursue her true passion: teaching financial literacy to young adults. In our conversation, she highlights some of the advice from her book Cultura and Cash on how to avoid some of the financial pressures from family and culture and how to define financial security on your own terms. You can follow Gigi @TheFirstGenMentor.

This episode originally aired on March 4, 2024.

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Today's show includes tips for opening a good rewards credit card, why it's wise to keep an old credit account open, and salary negotiation advice.

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Pulitzer-prize-winning journalist and author of the NYT bestseller Supercommunicators Charles Duhigg shares science-backed ways to communicate effectively about money, work, and life.

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When it comes to career and finances, what do women really want to achieve? What's holding them back? Guest Wendy Petties, also known as the Relationships Whisperer, is a Psychologist, MBA, and Sex Educator who uses this eclectic trio of skills to guide women toward financial empowerment and personal fulfillment. Wendy's personal story is also a testament to resilience. From filing bankruptcy to achieving millionaire status in record time, she's transformed her life by increasing the pleasure in her relationships—with herself, others, and money. Wendy is the creator of the Sexy Money® System, the magic formula she used to turn her financial struggles into abundance. Take her free online assessment here.

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Today's show: The stay-at-home-girlfriend is in trouble. Cosmopolitan has the scoop. Also, how to prepare for the spring home buying season, pivoting in your career in your 40s, Roth rollover rules and more.

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Guest Karen Holland, founder of GiftingSense.org, is on a mission to prepare today’s school-aged children to think before they buy.

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Do you want to learn how to build your career without breaking yourself? Build and maintain your professional reputation? Become a subject matter expert and a more effective communicator? These are big goals but our guests today, the authors of a forthcoming book called MicroSkills, say the key is to break a complex task into small, learnable skills that can be practiced, and incorporated real-time. Dr. Resa Lewiss is Professor of Emergency Medicine & Radiology as well as Director of the Point-of-Care Ultrasound Division at Thomas Jefferson University Hospital. She is also the host of The Visible Voices Podcast. Dr. Adaira Landry is an Assistant Professor of Emergency Medicine at Harvard Medical School & Assistant Residency Director for the Harvard Affiliated Emergency Medicine Residency Programs.

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Sorry, friends! I'm currently dealing with an injury, so this is an encore of one of my favorite episodes, which originally aired on February 23, 2024. Thanks for your patience!!

Read the Amazon scam article in The Cut;

Download Farnoosh’s cribsheet for When She Makes More

This week from the mailbag: Thoughts on playing the lottery, investing in real estate syndication, selling a home you inherited, and how much financial transparency is necessary in a marriage? Referenced on the episode: Interview with co-founders of GoodEgg Investment.

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Whether online or in-person, today's episode offers road-tested strategies and scripts for winning the job interview. How to discuss a gap in your resume? How to test if the company is the right culture fit? How to discuss pay? Our guest is Hanna Howard, Senior Work Editor for CNBC Make It. Howard hosts a new online course venture called Smarter by CNBC Make It.The first paid course, How to Ace Your Job Interview, gives people a leg up on the competition by pulling back the curtain on the hiring process and showing users how to excel at their job interviews.

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Setbacks are unavoidable in business, finance, career, and relationships. While uncomfortable, they provide an opportunity to redefine success and gain a renewed perspective. Some of the world’s most prominent leaders attribute their setbacks to the reason they found success. Their lowest moments paved the way for their creative rebirth. But why does this happen? Guest Amy Shoenthal spent the past few years researching this phenomenon and developing a framework for her book, The Setback Cycle. On the podcast, she shares the science behind setbacks and how everyone can navigate their businesses, careers -- and lives -- armed with the tools to work through this inevitable cycle. 

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Farnoosh begins with the question: Are we in a silent recession? You can read more about the story she references here.

Other questions: What are the rules and costs for moving money from a brokerage account into a Roth IRA? Any risks to having a single bank that houses all your accounts? And how to find a good accountant?

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*Recorded live at M.M. LaFleur in New York City on February 27th**

Farnoosh interviews Sarah LaFleur, founder of the NY-based fashion brand, on how she pivoted the women's wear company during Covid, business lessons from her start-up days, the evolution of workwear, and more.

More about Sarah:She founded M.M.LaFleur in 2013 with a mission to help women take the work out of getting dressed so they can focus on what matters to them. Before founding M.M.LaFleur, she worked at Bain & Co. in New York and TechnoServe in South Africa. Sarah sits on the Advisory Council of the New York Federal Reserve and is a board member of the Downtown Alliance of New York City. Most recently, she is a Henry Crown Fellow within the Aspen Global Leadership Network at the Aspen Institute. She graduated from Harvard University. M.M.LaFleur is named after her mother, whom she calls her biggest inspiration.

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With the business tax filing deadline fast approaching, today's show shares advice on simplifying the bookkeeping process. Guest Nicole Barham is the founder and CEO of Design Your Wealth and creator of 5 Minute Bookkeeper, which shows solo entrepreneurs how to do a whole year of bookkeeping in an hour or less. 

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Learn more about Farnoosh's private book workshop Book to Brandhere.

This week: Questions about how much is 'enough' to store in a checking account versus savings account, the pros and cons to 529 prepaid college tuition plans and should a listener sell her home if the equity can provid her family with more financial flexibility?

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Career satisfaction is at an all-time low. Certified Professional Coach Eliana Goldstein offers advice on how to create more meaning and money in your career.

Check out Eliana's Career Upgrade Program and use the code SOMONEY for $100 off. 

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What did you learn about money growing up? What were the messages you received about money from parents, your friends, media and your culture? Our guest Giovanna "Gigi" Gonzalez is the author of Cultura and Cash, in which she shares her journey as the daughter of Mexican immigrants and the money scripts she needed top rewrite as an adult to claim financial security.

Gigi is a TikTok influencer, financial educator, who during The Great Resignation, quit her 10 year corporate career to pursue her true passion: teaching financial literacy to young adults. In our conversation she highlights some of the advice from her book Cultura and Cash on how to avoid some of the financial pressures from family and culture, and how to define financial security on your own terms. You can follow Gigi @TheFirstGenMentor.

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We're comparing various financial products today. From target-date funds to index funds, CDs, High-Yield Savings Accounts, and Health Savings Accounts.

Special guest Georgia Lee Hussey, founder of Modernist Financial, joins with advice. Plus: Ways to effectively contribute to political causes during this election year.

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From selling Girl Scout cookies to running multiple businesses, guest Stephanie Cartin shares her lifelong journey as an entrepreneur. Today, she is the co-host of the Entreprenista Podcast and the co-founder of Entreprenista, a media company and membership community, The Entreprenista League, dedicated to providing resources and support for women founders and leaders. She’s co-founded multiple companies, including the award-winning social media agency Socialfly, Markid, and Pearl Influential Capital. Stephanie offers strategies and advice for early-stage entrepreneurs on funding, mentorship, staffing and social marketing. Stephanie also shares how she and her husband manage money and caregiving at home.

Join Farnoosh and Stephanie at the Entreprenista's Founders Weekend: Wealth & Wellness retreat at the Ritz Carlton in Orlando, FL. It's happening May 3-5, and you can get $150 off your ticket with the code Farnoosh150.

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With just weeks until the 2023 tax filing deadline, this episode addresses some of the biggest mistakes filers make - some quite costly — and how to avoid them. Our guest is Hannah Cole, founder of Sunlight Tax, and a a tax expert specializing in working with creative businesses and mission-driven solopreneurs. Hannah is also the host of the Sunlight podcast. We discuss the top mistakes she sees clients make, how to reduce your chances for an audit, and the 6-figures you may be leaving on the table if you delay contributing to your IRA before the annual deadline. Download Hannah's free visual guide to your tax deductions.

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Read the Amazon scam article in The Cut;

Download Farnoosh's cribsheet for When She Makes More

This week from the mailbag: Thoughts on playing the lottery, investing in real estate syndication, selling a home you inherited, and how much financial transparency is necessary in a marriage? Referenced on the episode: Interview with co-founders of GoodEgg Investment.

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Is blind optimism or pessimism interfering with your ability to build the financial life you want? Today's conversation turns to compelling research and insights in a new book called Practical Optimism: The Art, Science, & Practice of Exceptional Well-Being by Sue Varma. Dr. Varma shares the key to thinking like a practicaloptimist, being more resourceful and realistic, and practicing thoughtful problem-solving during life's challenges, including financial uncertainty and setbacks.

More about Dr. Varma: She is a distinguished psychiatrist and cognitive behavioral therapist in New York City. She served as the pioneering medical director and psychiatrist for the esteemed 9/11 mental health program at NYU. Alongside her clinical work, Dr. Varma holds the Clinical Assistant Professor of Psychiatry position at New York University (NYU) Langone Health. She regularly appears on the Today Show and CBS Mornings.

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The "tradwife," short for "traditional wife" is a fast-growing lifestyle that emulates the 1950's housewife and can be seen everywhere on social media today. You may have encountered a tradwife on TikTok or Instagram; she's typically a full-time domestic caregiver, bows to her husband, and has little to no financial independence. Some accounts are a parody. Many are real. Some consider this a movement against modern feminism and the burnout culture so many women experience as they aspire to "have it all." Journalist and author Jo Piazza has been following the tradwife culture for the past year and shares her insights.

More about Jo Piazza: She is a bestselling author, podcast creator of Under the Influence,and award-winning journalist. You can subscribe to her very popular Substacks: Over the Influence.

Jo is the national and international bestselling author ofThe Sicilian Inheritance (which debuts in 2024), We Are Not Like Them, You Were Always Mine, Charlotte Walsh Likes to Win, The Knockoff, and How to Be Married. Her work has been published in ten languages in twelve countries, and four of her books have been optioned for film and television. 

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This Friday: Farnoosh's financial and career advice for a 28-year-old Millennial who hopes to have kids one day, planning for retirement when you're in your 60s and have credit card debt, pensions, Roth IRAs and more.

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We're exploring Loud Budgeting, a financial trend that originated on TikTok. How does it work? Is it a good strategy for everyone?

Guest Stephanie Vaught is the founder of Social Money Finance, a personal finance company specializing in helping Gen X women make empowered financial decisions. She is also the co-founder of The Creators' Nest in Detroit, MI.

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**Last day to secure a spot (for a while) in Farnoosh's So Money Members Club**

It’s Valentine’s week, and my birthday week, so I’m kicking things off with a show topic that’s near and dear: Why women need to have their own money. Everyone should have their own money, but this message needs to be emphasized more for women who may sometimes feel it’s not their strength or role to make money or manage money in a relationship.

The impetus for this episode was a New York Times essay entitled Never Rely on a Man’s Money. Maggie Smith writes about how her divorce was a shock that led her to a new vow: financial independence. We’ll get into her story and bring on our guest today, Maggie Johndrow, a partner and financial advisor at Johndrow Wealth. She’s one of my favorite advisors, and we share a common love for making women rich. We talk about what she sees in her practice; oftentimes, women come into post-divorce with financial regrets. What are those regrets? What are the absolute facts women need to know about their financial lives, and how can they insist upon more financial transparency and equality in their relationship?

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This Friday: Farnoosh shares 5 strategies that have helped her build wealth over the years, and answers to audience questions about backdoor Roth IRAs and how to manage corporate stock options.

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Today: Imagine you arrive at retirement with no savings. Imagine living entirely off of your social security paycheck, which currently averages $1,900 a month. Guest Anne Tergesen is a reporter for The Wall Street Journal and offers insights from the article she co-wrote recently, "Here's What It's Like to Retire on Almost Nothing But Social Security."

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Today's show: How to bring your whole self to work...safely and successfully? How can Black women and people of color redefine their career framework on their own terms? Regina Lawless is the author of the new book Do You: A Journey of Success, Loss and Learning to Live a More MeaningFULL Life. Her mission is to help high-achieving Black women find purpose beyond their paycheck in order to experience more bliss in their lives and sustainable success at work and at home.

Regina begins her new book describing a huge success — a home-run presentation she led to the head of Instagram where she ran their DEI Department -- followed by a profound loss, the death of her husband following a heart attack. Regina's choice to position these two personal stories in succession sets the tone for the book's message and much of our conversation.

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This week on Ask Farnoosh: the truth about maintaining healthy credit, how to pay off student loans and credit cards at the same time, and is it wise to start a 401k at work if you don't plan to stay on the job for too long?

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Noah Kagan is a serial entrepreneur and CEO of AppSumo and author of the new book, Million Dollar Weekend: The Surprisingly Simple Way to Launch a 7-Figure Business in 48 Hours. We delve into the top business ideas ripe for scaling in 2024, and how to know if you're personally ready for 8-figure success.

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Today's guest is Vrinda Gupta, CEO & Co-Founder of Sequin, a women’s financial guidance and high interest banking membership club designed by women, for women. She is a globally recognized credit expert who helped launch the popular Chase Sapphire Reserve credit card at Visa Inc. and received her MBA from Berkeley Haas. Receive 40% off discount on an annual plan: sequincard.com/somoney

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Today's show: Investing advice for entrepreneurs, how to secure life insurance, socially responsible investing tips, and how to best manage a low-performing pension.

Some resources mentioned on the show: Morningstar Sustainability Ratings, Sustainalytics, WealthSimple, Betterment, and Ellevest.

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Harlan Cohen is a New York Times bestselling author, podcaster, and journalist who has visited over 500 high school and college campuses. He is the author of 7 books. His titles have over 1 million copies in print (titles include: Win or Learn: The Naked Truth About Turning Every Rejection into Your Ultimate Success. Harlan has over 1 million followers across his social media account. Follow him on Instagram @harlancohen on TikTok @helpmeharlan, and on YouTube. For more info, visit www.HarlanCohen.com.

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Have you ever asked yourself, “What if I’m a tightwad and my significant other is a spendthrift?” or vice versa? Guest Scott Rick, a behavioral scientist at the University of Michigan’s Ross School of Business, knows many people do. His bookTightwads and Spendthriftsisa science-based guide to understanding and transforming how we manage money, both on our own and in relationships. Scott discusses the delicacy of gift-giving in a relationship, how to manage bank accounts, raising kids to avoid your tightwad or spendthrift tendencies…and how couples with different approaches to spending can create a successful financial game plan.

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This week's Ask Farnoosh: Farnoosh shares some of the financial philosophies and beliefs she's changed over the years. There are several questions about starting a business, including how to set up (LLC or S Corp?), what to charge for services, and how to convince a partner to support the risk of starting a business.

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Our guest today is communications coach Dia Bondi, who wrote a new book called Ask Like An Auctioneer.

In the book, Dia outlines a framework that will help us strategically and confidently ask for more. Dia is not your ordinary communications coach. She's been working with senior leaders and venture-backed founders, helping them refine their voices and amplify their impact. A few years ago, her story took a fascinating turn when she attended an auctioneering school and began using her auctioneering skills to fundraise for women-led nonprofits. She realized that auctioneering holds valuable lessons on asking for more and, importantly, getting it. Today, we will talk about her strategies, framework, why, and no can just be a yes in the making.  

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Today's episode is about how to tap into your intuition, tune out everyone else’s expectations, and reach your goals with resilience and grace. Guest Shirin Eskandani is a New York Times featured mindset and mindfulness coach. Much of the work she does today is informed by her experience as an opera singer. Shirin has won multiple awards and performed at Carnegie Hall and the Metropolitan Opera.  You can find out more about Shirin on her website.

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This week: How Farnoosh manages money in her marriage, Mint app alternatives, teen money advice and career advice.

Register for Farnoosh’s Investing Workshop- Limited Seating!

Learn More about Pitch Please in NYC

CNET’s Top Mint Alternatives

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How can you harness your curiosity to grow your career? What are the most important questions to ask yourself when attempting to manage your money well?

Guest Danielle Robay is a TV host, journalist, and content creator known for her open-hearted questions + compelling interview style. Noted by Forbes as a “game changer,” she is recognized for creating the podcast “PRETTYSMART,” the bestselling card game Question Everything, and hosting E!’s “While You Were Streaming.” She’s chatted with everyone from Taylor Swift + Michael B. Jordan, to Viola Davis, Helen Mirren, Alexis Ohanian, +Tom Hanks. Even Larry King has commented on her compelling interview style: “Danielle is the millennial Barbara Walter’s. She has the ability to make people feel seen.” With a loyal social media following of over 400,000 followers across platforms, Danielle’s goal is that we learn to live better through each other’s stories.

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In conversation with Allure Magazine Editor-in-Chief Jessica Cruel, who is not only a beauty expert, but is passionate about personal finance. She shares her adventures in homeownership and investing and offers listeners her top beauty buys at the drugstore.

More about Jessica Cruel: As the editor-in-chief of Allure, she leads the development of multi-platform editorial content for digital, social, and video platforms, including the Readers' Choice Awards and Best of Beauty Awards franchises. Cruel joined Allure in 2019 before becoming EIC in 2021. That same year, Cruel spearheaded The Melanin Edit, a new Allure platform exploring all things relating to Black beauty and wellness. Before joining Allure, Jessica also held editorial roles at Refinery29, SELF, and Popsugar. 

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This new episode features audience questions about job hunting in your 40s (with a Ph.D.), intelligent investments in your health, and the tax implications of whole life insurance withdrawals. Plus, Farnoosh shares tips on daily habits that can lead to savings.

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Our guest today says The American Dream is dead. She also says the key to being rich is being lazy. Financial guru Vivian Tu offers plenty more hot takes and an inside look at her new book, Rich AF:The Winning Money Mindset That Will Change Your Life. You may know Vivian as the wildly popular financial creator on TikTok where she squashes the age-old “crusty” notions of financial wellness that no longer work in a world where a college education can cost half a million dollars and new homeownership is all but out of reach. Vivian discusses the influence of being a first-generation Asian American woman and shares wild lessons from her first job on Wall Street. 

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With a new year upon us, there is much to look forward to … and we know that life can be unpredictable, difficult, and sometimes sad. That’s why I begin the year with our guest Cyndie Spiegel, author of insightful books, including A Year of Positive Thinking, which has sold over 300,000 copies and published in multiple languages. Her newest book is Microjoys: Finding Hope, Especially When Life is Not Okay. And that’s the focus of today’s conversation: How to find hope and joy in the subtleties of life while you experience life’s hardships. Cyndie’s advice provides the mental clarity we can all benefit from now. 

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How does Farnoosh define “success?” How does she decide which projects are worth her time, resources, and energy?

Plus: listeners have questions about their options when a prospective employer makes a low initial offer, the pros and cons to filing taxes jointly with your spouse and what to do with a $25k inheritance.

This episode first aired on August 20, 2023.

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For one of the final episodes of 2023, I wanted to experience some laughter and levity and revisit the So Money stories and interviews that made us laugh about money and the financial lens through which we sometimes see the world. Guests include comedians Zarna Garg, Nathan Macintosh, and Michelle Buteau.

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Our 2023 reflection series continues, and today, I’ve compiled a recap of some of the best interviews of the year centered around the concept of change. From preparing for climate change to navigating the influence of AI in the job market and rethinking the way we prepare young adults for the real world, some of my favorite episodes this year focused on how the world’s evolving and changing. Episodes included Molly Wood on Climate Change, Laura Michelle Davis on AI, and Ana Homayoun on the College Equation.

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**Last day to apply for Farnoosh’s Mentorship Program.**

Today’s Ask Farnoosh invites Georgia Lee Hussey, founder of Modernist Financial, to the show to help answer audience questions about technical issues after firing a financial advisor, refinancing a mortgage post-divorce, and taking out a HELOC to finance home renovations. Plus: How to create a giving plan.

*This episode aired originally on Friday, December 7th**

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We’re continuing to reflect on some of the financial themes explored on So Money in 2023. One topic we visited more than a couple of times was fear and how it manifests in our financial lives and careers. There’s no shortage of fear in the world -- especially when it comes to the uncertainty and volatility in the markets and economy. Episodes referenced include Alexandra Carterand Episode 1563: Ask Farnoosh.

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As we close 2023, we’re reflecting on some of the financial themes explored on So Money. One central theme was around defining "enough." What is enough? Is it a number, a feeling, or both? How do we get there? What’s the work? Why does it feel so unattainable? Episodes referenced in this episode include Erin Lowry, Manisha Thakor, and Kristin Keffeler.

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This week: What is AI's role in personal finance - pros and cons, how a 22-year-old can save more money and how to earn more if you're at the top of your salary band?

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Farnoosh sits down with Sarah Gibson Tuttle, founder and CEO of the fast-growing at-home beauty care company Olive & June. This is a rare interview where Sarah shares the behind-the-scenes of launching and funding Olive and June, pivoting away from the salon experience and how sales soared 1,500% in 2020.

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Guest Jamila Souffrant hosts the Journey to Launch podcast and is the author of the new book, Your Journey to Financial Freedom. Hear how Jamila's immigrant mother paved the way for her family's success, how Jamila quit her 9 to 5 to pursue entrepreneurship and the FIRE movement and her timeless advice on ways to live richer without sacrifice. Learn more about her new book here.

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**Take Farnoosh’s quick survey here to enter to win a signed copy of A Healthy State of Panic.** 

**Last day to apply for Farnoosh's Mentorship Program.**

Today's Ask Farnoosh invites Georgia Lee Hussey, founder of Modernist Financial, to the show to help answer audience questions about technical issues after firing a financial advisor, refinancing a mortgage post-divorce, and taking out a HELOC to finance home renovations. Plus: How to create a giving plan.

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**Take Farnoosh’s quick survey here to enter to win a signed copy of A Healthy State of Panic.** Guest Eli Rallo is the author of the new book I Didn’t Know I Needed This, a to-do list of self-appreciation and validation and answers to questions like who texts first after the first date? What am I supposed to do with a broken heart? Eli is a fast-rising TikTok starand accomplished writer. In the episode, she shares details of her financial life, the root of her work ethic, and why writing is at the root of her multi-platform business.

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**Take Farnoosh's quick survey here to enter to win a signed copy of A Healthy State of Panic.** The childcare system is broken and mothers are largely paying the price. According to the U.S. Bureau of Labor Statistics, as many as 100,000 Americans have been forced to stay home from work each month because of childcare problems. The economic toll amounts to $122 billion yearly in lost earnings, productivity, and revenue.

Guest Danielle Weisberg is co-founder of TheSkimm, and her team has done research into this as well. In its report called The State of Women, the digital media company uncovers the realities and challenges women face today with resources to change the status quo. Their #ShowUsYourChildCare campaign inspires them to share how they support working parents. 

In the episode, Danielle shares insights from the report, including the financial and mental toll on working parents, specifically mothers, and how employees and employers can work together to provide more effective benefits for families. To access the resources mentioned in today's episode, visit ShowUsYourChildcare.org.

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This week, Farnoosh addresses audience questions about how to get out of the financial grind with a life-changing opportunity, free support for getting out of debt and high yield savings versus investing. Which is better? Plus: Farnoosh talks about what she actually *wants* her kids to be afraid of.

Fill out her quick survey for the chance to win a free copy of A Healthy State of Panic.

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Read Farnoosh's interview in ScaryMommy.

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Today, we're diving into the art and science of making life’s big decisions and pivots with Stacy Ennis. Stacy and her family live a location-independent life in Portugal and throughout the years she has made some challenging (and exciting) career and life moves that may be unconventional but support her vision of a "beyond better life." Among them: living abroad and being the breadwinner while her husband is the primary caregiver. What drives her choices and how does she navigate uncertainty and cultural pressures?

More about Stacy: She is a best-selling author, book coach, and speaker on a mission to help leaders clarify their ideas and harness their unique stories to make an impact. Her background includes ghostwriting for a Nobel Prize winner in medicine and leading as executive editor of Sam’s Club’s Healthy Living Made Simple, a publication that reached around 11 million readers. Her best-selling book, co-written with Ron Price, is Growing Influence: A Story of How to Lead with Character, Expertise, and Impact. She’s also a TEDx speaker and the host of Beyond Better, a podcast that explores how to create a business and life you love. Learn more at www.stacyennis.com and follow her on Instagram.

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Brad Barrett, the co-founder of ChooseFI, joins us to share his latest financial perspectives and views on FIRE (Financial Independence Retire Early) and some small ways to cut thousands of dollars per year from your budget.

Join Farnoosh in Los Angeles in December for book events.

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What's going on with the stock market's downward movement since the summer? Is 2024 a good year to buy real estate? Special guest co-host Hilary Hendershott is the founder of Hendershott Wealth Management, a leading financial advisory and profit consulting firm for women and couples. She hosts Love, your Money (formerly Profit Boss® Radio), a weekly financial podcast where she and her guests offer inspiration and actionable advice. 

This episode originally aired on November 2, 2023.

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A growing number of Millennial couples are opting to sign prenuptial agreements ahead of marriage. What's the purpose, who needs one and what do couples disagree on most when preparing their prenups? Guest Aaron Thomas is the founder of Prenups.com and author of the new book, The Prenup Prescription.

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Tiffany “The Budgetnista” Aliche, is back again with important financial advice, as we navigate life's uncertainties. How do we get financially creative to solve current economic challenges? What's the best way to prepare kids for managing an inheritance? What are some items we tend to overlook when estate planning?

Tiffany's latest financial tool is a new workbook called Made Whole: The Practical Guide to Reaching Your Financial Goals, which offers a practical approach to transforming financial dreams into reality.  

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As layoffs surge, Farnoosh addresses audience questions about the smartest ways to navigate finances and their lifestyle after losing a job.

Join Farnoosh in Los Angeles in December for book events.

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Listen to this week's episode on #tradwives.

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The "tradwife," short for "traditional wife" is a fast-growing lifestyle that emulates the 1950's housewife and can be seen everywhere on social media today. You may have encountered a tradwife on TikTok or Instagram; she's typically a full-time domestic caregiver, bows to her husband, and has little to no financial independence. Some accounts are a parody. Many are real. Some consider this a movement against modern feminism and the burnout culture so many women experience as they aspire to "have it all." Journalist and author Jo Piazza has been following the tradwife culture for the past year and shares her insights.

More about Jo Piazza: She is a bestselling author, podcast creator of Under the Influence,and award-winning journalist. You can subscribe to her very popular Substacks: Over the Influence.

Jo is the national and international bestselling author ofThe Sicilian Inheritance (which debuts in 2024), We Are Not Like Them, You Were Always Mine, Charlotte Walsh Likes to Win, The Knockoff, and How to Be Married. Her work has been published in ten languages in twelve countries, and four of her books have been optioned for film and television. 

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How do we decide with ease? The idea of having the power to choose, to choose a different direction, to speak up to authority, to let go, to create, to shut down, sounds good. But life isn’t always that simple. Making high-stakes decisions involving work, money, and family can be frightening.

Our guest is Stef Ziev, former TV executive turned certified life and executive coach. Her new book is called THE CHOICE IS YOURS: A Simple Approach to Live and Lead With More Joy, Ease, and Purpose.

This is an encore episode from July 10, 2023.

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On today's show, the people who inspire Farnoosh. Also, higher education reimbursements, choosing between retirement plans, and how to create a prenup. Listen to the episode with Farnoosh's dad. And sign up for her free call on all her book marketing insights.

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Guest Frenchie Ferenczi was the Director of Community at The Wing during the rise and fall of the #Girlboss era and was caught in the crosshairs. She candidly shares what happened, what she learned, and her approach to supporting women entrepreneurs today as a business strategist and advisor.

Today Frenchie takes her learnings to help online business owners do the right work at the right time to stay on the path to consistent revenue growth. From having sold-out launches to spending more time with their kids, she empowers her clients to achieve their biggest business goals without falling victim to the business grind. 

Follow Frenchie on Instagram and grab her free offer, "37 Stupid-Easy Ways to Increase Your Revenue."

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In his book, Die with Zero, Bill Perkins challenges the notion of passing down your wealth. In fact, during a health screening, his doctor asked in the evaluation about financial stress: “Do you have fears of running out of money?” Bill said, “I hope I run out of money!”

We discuss the merits of spending more money in your living years, how to calculate getting to “enough” net worth and balancing taking care of children and dependents with the notion of dying with zero.

Bill is the CEO of BrisaMax Holdings. After training on Wall Street, he made his fortune in Houston as an energy trader. He has been Reuters, Financial Times, TIME magazine, Cigar Aficionado, BusinessInsider, and appears frequently on CNBC.

This episode originally aired August 3, 2020.

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What's going on with the stock market's downward movement since the summer? Is 2024 a good year to buy real estate? Special guest co-host Hilary Hendershott is the founder of Hendershott Wealth Management, a leading financial advisory and profit consulting firm for women and couples. She hosts Love, your Money (formerly Profit Boss® Radio), a weekly financial podcast where she and her guests offer inspiration and actionable advice. 

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On today's show, guest Ruchi Pinniger, the Founder and CEO of Watch Her Prosper®, offers a new paradigm for defining prosperity and explains the real work involved in manifesting wealth.

More about Ruchi: After close to 20 years in the corporate world, primarily on Wall Street, she was called to work with women to ensure they live their most prosperous lives. Her work has served hundreds of women and has been featured in Millie Magazine, Best Self Magazine, Seema Magazine, BBC.com, and on SiriusXM Karen Hunter Show. You can follow Ruchi on Instagram @WatchHerProsper.

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Today's episode holds a special place in my heart. As a parent navigating the unique challenges of raising a child with ADHD, I've sought insights, understanding, and practical strategies to support our son for several years.

Guest Nicole Symcox is a licensed psychotherapist and mental health educator and offers tools and strategies to help ADHD brains of all ages thrive. We discuss the nuances of ADHD and practical tips for fostering a supportive environment. For listeners who would like to explore Nicole’s audio course, Parenting ADHD Brains, she's reserved the code SOMONEY25 to receive 25% off at checkout. Learn more here.

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This Friday: How to find the time and support to finish a book?

Advice on rebuilding your finances after a divorce, the ins and outs of 529 plans, how adult kids can engage their aging parents in a discussion about their retirement and long-term financial plans, and a credit card conundrum.

Reserve to see Farnoosh in Los Angeles on December 18.

Applyfor Farnoosh's coaching program.

Leave an Amazon review for A Healthy State of Panic.

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We explore money, happiness, work, and meaning with Paul Ollinger, comedian, speaker, and host of Crazy Money. We catch up from his previous appearance on So Money to talk about his life post-Facebook, what happens when you fall into a lot of money, and navigating the uncertainty in the entertainment world.

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We're separating fact from fiction and learning the science and savings to healthy skin. What does our skin need to thrive, and can all skin types have the same care routine?

Guest Dr. Mireille "Mimi" Vega is a respected chemist, public speaker, and pioneering figure in skin microbiome studies. She is on a mission to share the truth about healthy skin and simplified routines. Drawing from 30 years of trials and discoveries and her daughter's skincare struggles, she realized that the traditional multi-step approach to skincare simply didn't add up. This realization sparked a revolutionary idea that finally bridged the gap between skincare and scientific understanding: the ONE HUMAN SKIN Approach to skin health. Learn more about her work and award-winning skincare solution here.

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This week: Are there any fears parents may want to relay to their kids? When is it wise to cash out underperforming stocks? How to choose between two job offers?

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We can all agree that every person has the right to be rich and claim wealth. But why do some of us struggle to believe we're worthy of more? Karen Berzanski is a Transformational Money Mindset expert and Certified Pro EFT™ Tapping Coach. She is the founder of TheLuckySoul.com, where she’s helped hundreds of women unapologetically make more money and virtually eliminate financial stress. Her signature 6-week program, M-$POT, helps women transcend their hidden money programming to expect, earn, and enjoy more.

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Feel like you're a financial late-bloomer? Guest Anisha Ramakrishna, 39, says she's just starting to take more control of her income and investments. Anisha is the star of the Bravo show, Family Karma, and host of the Dear Media podcast, Currently Cringing. She talks about her career pivots, practicing entrepreneurship in the entertainment industry, and financial lessons learned as an immigrant. Learn more about her work and comedy tour at AnishaComedy.com.

More about Anisha: She has been featured in Vogue US, Vogue India, The New Yorker, ET, Page Six, Elle, People, and Harper’s Bazaar. Anisha is best known for her viral comedic one-liners. To her, no topic is off-limits.

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On this week's Ask Farnoosh: Advice on managing investments during this turbulent time, the single thing we can do to make the most impact on our finances and is it worth it to hire a financial planner.  

Visit AHealthyStateofPanic.com for all the latest on Farnoosh's new book, and order your copy today.

Subscribe to Farnoosh's newsletter for the latest updates and financial insights.

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Guest Liz Moody is a veteran wellness journalist, lifestyle blogger and author of the hit podcast The Liz Moody Show. Her forthcoming book is 100 Ways to Change Your Life: The Science of Leveling Up Health, Happiness, Relationships & Success’arriving on October 17. On this episode, Liz shares her definition of wellness, her financial habits that contribute to health and wellness, and her science-backed strategies for enhancing total well-being.

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Queen Latifah made her first big splash onto the music scene at age 19, releasing her hit rap single “Ladies, First.” For the next three decades, the Newark, New Jersey native would build a multi-faceted and dynamic career as a musician, actress, producer and philanthropist, blazing a trail for other Black female artists. 

I recently sat down with Queen during her press tour for The Queen Collective, her latest endeavor, which provides opportunities for women of color in film to tell stories from their viewpoint. In our conversation, she shared some of the financial lessons experienced while growing up and building her business, as well as her ideas on how we can promote more equality in the workplace and close the racial wealth gap.  

This episode originally aired on June 10, 2020.

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This week -- your student loan questions resurface as federal payment resume. Farnoosh shares an emotional moment this week, reflecting on her childhood. Visit AHealthyStateofPanic.com for all the latest on her new book and order your copy today.

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Farnoosh shares stories from her new book, A Healthy State of Panic, including excerpts on the chapters about the fears of loneliness and money. Visit AHealthyStateofPanic.com to learn more about the book and upcoming events.

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With one day until the official release of her book, A Healthy State of Panic, Farnoosh reads from her book.

To pre-order and get access to her bonuses (last day!) go to AHealthyStateofPanic.com.

To order the audiobook, head to Audible, Amazon or Libro.FM.

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This week's questions: How to fill the 401(k) contribution gap in between jobs? Pay off a 0% credit card balance or student loans first? And what are one's spousal rights in marriage?

If you're a victim of domestic abuse or financial abuse in your marriage, here are some resources:

The All State Foundation

The National Domestic Violence Hotline

Pre-order A Healthy State of Panic and grab BIG bonuses here.

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Is there a cultural moment from your past that looks different in retrospect? Maybe it’s a scandalous tabloid story seared into your teenage brain or a political punchline that just feels wrong now. Guest Susie Banikarim is an Emmy-winning journalist and co-host of the new podcast In Retrospect where she and New York Times editor Jessica Bennett revisit a pop culture moment from the 80s and 90s that shaped them — to try to understand what it taught us about the world, and a woman’s place in it. Susie and Farnoosh talk about the influence of soap operas, the media's portrayal of Monica Lewinsky, and the business of television and how it shapes the cultural discourse.

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This is a very special SO MONEY episode taped earlier this summer in front of a live audience at the Midnight Theatre in Manhattan. Our star guest Michelle Buteau is a comedian, author and star of Survival of the Thickest on Netflix. During our conversation, we peel back the layers of Michelle's storied life, sharing insights, anecdotes, and so much laughter. Michelle is not only a master of humor and storytelling. She's also an astute saver and investor. Discover her keys to living a rich life and her current investments.

A special thanks to Zelle, our sponsor for the evening and providing us with a space to share transparent financial advice.

This episode originally aired on August 21.

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Farnoosh offers a glimpse into the framework she teaches in A Healthy State of Panic.

Plus: How does Farnoosh define “success?” How does decide which projects are worth her time, resources, and energy?

Listeners also have questions about their options when a prospective employer makes a low initial offer, the pros and cons to filing taxes jointly with your spouse and what to do with a $25k inheritance.

Grab the last ticket for Farnoosh's Brooklyn launch event here.

Pre-order A Healthy State of Panic and grab BIG bonuses here.

Sign up for her newsletter and be the first to get all the news here.

Questions from this episode aired originally on September 15, 2023.

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Today’s episode is a deep dive into perfectionism, comparison culture, and the struggles women face when measuring their progress against others. Guest Monica Packer is a normal mom and recovering perfectionist who uncovered the truest model to lasting growth: its progress made practical. As a podcaster and coach, she guides women to find sustainable growth by adopting progress over perfection. Monica is a mom of 5, former middle school teacher, forever Oprah fangirl, perpetual cookie dough maker, and beginner gardener. You can find more about Monica at aboutprogress.com.

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Employers are increasingly using AI to filter job applications. How can job seekers leverage this technology to increase their chances of landing an interview? Our guest is Laura Michelle Davis, an editor at CNET, where she specializes in personal finance content and also writes about technology, culture, and labor. Her recent pieceaddresses how AI is changing the game for job seekers and how applicants can stay competitive in the age of automation, algorithms, and machine learning.

Visit AHealthyStateofPanic.com for pre-order bonuses, book tour tickets and more.

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This week, Farnoosh answers audience questions about the best ways to afford a car and how to afford quitting your job.

Check out her column in Oprah about what to do *before* quitting your job.

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Are you a wounded achiever? Transformational career coach Brooke Taylorshares her personal conflict with her "success wounds" and how to spot the different types of wounded achiever in yourself, how each manifests in your life and impact your career and money choices. 

More about Brooke: She is a global speaker and transformational career coach supporting female leaders at companies like Goldman Sachs, Coinbase, Google, Salesforce, McKinsey, across the globe. She is also a former Marketing Lead at Google. 

In a crowded career coaching space, Brooke has distinguished herself as “the expert” in helping transform the lives and careers of high-achieving female leaders. Using a combination of Brooke’s personal experience and expertise modalities, Brooke breaks down what she calls women’s deeply ingrained “success wounds” and decouples their identity from their achievements, enabling her clients to scale their income, land promotions 200% faster, negotiate greater raises, and 100% of clients seeking a new job have landed one, all while gaining inner freedom and healthier narratives in the workplace.

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Divya Gugnani is the CEO and co-founder of Wander Beauty, one of the most beloved beauty brands. Listen to learn why Divya is an accidental entrepreneur, how she's become comfortable taking risks, and the power of staying curious. Learn more about Wander Beautyand Divya's new fragrance line Five Sens.

VisitAHealthyStateofPanic.comfor pre-order bonuses, Farnoosh's book tour tickets, and more.

Reserve your ticket for Farnoosh's book launch in New York. Few spots remain!

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