HerMoney with Jean Chatzky

The ultimate badass, success coach and motivational cattle prod Jen Sincero shares the secret sauce that allowed her to triple her income in three months, morphing from a broke 40-year-old living in a garage to making seven figures. With tips from her new book, You Are a Badass at Making Money, she advises: Get very clear on what lights you up, stop making excuses and much more. Then, Kelly and I tackle your questions about student loan defaults, employer pensions and public vs. private school. Plus, interest rates are going up — we tell you how to handle it.

Direct deposit, Apple Pay, Venmo — money moves so quickly and transparently that it's hard for kids to understand the value of a dollar when we rarely touch one. To the rescue: Financial literacy expert and best-selling author Beth Kobliner with her new book, Make Your Kid A Money Genius (Even If You're Not). We talk about the financial facts of life — and what's appropriate to know when — beginning at age 3 and going up to college. Then, Kelly and I dive into when the right time is to take Social Security, when to start a college savings plan for a newborn and how to get the family back on track after a devastating job loss. Finally, even if you think you're protecting your information, you may be sharing it via auto-fill. We'll help you stop. Thanks for listening to HerMoney and for sending us your questions. You can use this link (http://apple.co/1Sb1OCo) to share the show with your friends so they can come along for the HerMoney ride.

Betty Liu, Bloomberg anchor and founder of Radiate, Inc., has interviewed some of the top CEOs in the world, but saying yes to an initial job offer literally cost her $50,000. She's here to teach us how to learn from her mistake (one she never made again, by the way), and to help us build our emotional intelligence (EQ) to become more effective leaders at work — and at home. Then, Kelly and I talk about when to keep a credit card open "just in case," financial preparation for having a baby and how best to start a college fund. Plus — finally — some good news on credit scores. Please keep those questions coming, write us a review and let us know how our show has made a difference in your financial life and you'll be in the running to receive one of our "50 for 50" book giveaways, including my new, New York Times bestseller AgeProof: Living Longer Without Running Out Of Money Or Breaking A Hip.

If you've got questions about retirement, this episode's got answers. Chris Hogan — a booming (think Barry White) and trusted voice on retirement — says retirement isn't an age, it's a financial number. He explains what that means and tells us how to calculate and achieve it. It can be as simple as saving $10 a day. Then, Kelly and I answer your questions on how and when to close store credit cards, how to become a financial planner or coach and the best money gifts for children. And if you're guilty of sticking your head in the financial quicksand, we've got some tips to help open your eyes. Finally, we've got anew shareable link (http://apple.co/1Sb1OCo) to help you spread the word about HerMoney.

Say it with me: The thing standing in the way of me being a success with money is, yes, me. Capital M. Capital E. Self-sabotage can be one of the most damaging behaviors in our lives. It can hold us back with our relationships, our careers, and when it comes to our money, it can be particularly destructive. Fortunately, the Savvy Psychologist Dr. Ellen Hendriksen is on hand to help us get self-sabotage to stand down. She says giving up isn't failure if it moves us forward — and sometimes knowing when to cut our losses is the best and most mature choice. Plus, Kelly and I tackle your questions about unused gift cards, how long you need to keep the paperwork when you sell your home and when you do — and do not — need permanent life insurance. Share us with your friends. We've got a big book giveaway coming up for our 50th episode and if you'll tweet, post on Facebook or otherwise share (http://apple.co/1Sb1OCo) info of how we've helped you, we may just send one your way. Among them: AgeProof: Living Longer Without Running Out Of Money Or Breaking A Hip.

No matter how long you think you're going to live, chances are you're going to live longer. Especially if you're a woman. And since your health and financial life are critically intertwined, I joined forces with Dr. Michael Roizen of the Cleveland Clinic to literally write the book — out just this week — to help you AgeProof your life. Kelly and I also tackle your questions about health spending accounts, how to dig out of a personal family debt crisis, how to get ready to buy a home and, yes, when you can enjoy spending some of that hard-earned retirement money. We hope you'll start AgeProofing today. We're giving away copies of the new book along with reads from some of our great guests as we lead up to our 50th episode. Please spread the word (http://apple.co/1Sb1OCo) and let us know how HerMoney has changed your financial life!

Money and sex. They're the two things couples fight about most and talk about least, so we're turning up the heat with love and relationships expert Dr. Pepper Schwartz. You know Pepper from Married At First Sight, and she says there are ways to keep your relationship on track even when your finances are in flux. Plus, if you've ever hidden a credit card or a purchase from your loved one, you need to hear our segment on financial infidelity. And Kelly and I tackle how to play credit card roulette and what roles kids should play in paying for college. As we count down to our 50th episode, we're prepping a giveaway of 50 books from our guests. Share the show (http://apple.co/1Sb1OCo) and email (jean@jeanchatzky.com) to tell us how HerMoney has helped your financial life and you'll be in the running to win one.

Investing isn't hard, but we know taking the first step can be. Did you know women are actually better investors than men, yet they tend to make more excuses for not starting? This week we're cutting the excuses with Kathleen Murphy, the President of Personal Investing at Fidelity Investments. Murphy breaks down how and why to start investing in your 20's, 30's, 40's, 50's, 60's and beyond. We answer your questions about gift cards, how long to save paperwork for taxes and whether millennials need life insurance. And finally, we discuss how continuing to work in retirement can benefit your health. As always, we love hearing from you. Keep your questions and reviews coming, especially as we near our 50th episode. Let us know how HerMoney has changed your financial life, and you could receive a book from one of our fabulous guests!

Just in time for Valentine's Day... If you, your adult kids or your friends are single and looking, it may be time to run the numbers. "Date-onomics" author Jon Birger says the real problem is, quite literally, supply and demand. The "man deficit" is a real thing, but there are ways to increase your odds and we've got 'em. Then, Kelly and I answer your questions about getting the right financial planning advice for you and whether you can pay your mortgage with a points-earning credit card (hmmm). So crack open a bottle of red, grab your nearest and dearest and give our V-day episode a listen. And if you really love us? Share us with a friend.

Do you feel like your business idea is an impossible dream? It doesn't have to be. This week, we sit down with Kathryn Finney, founder and managing director of digitalundivided, a social enterprise that supports women of color entrepreneurs. As one of the most respected voices in startups, innovation and tech, Finney shares her clear-cut advice for how to start and grow a burgeoning business. Then, Kelly and I answer your questions on how to calculate your risk tolerance when saving to buy a home or for retirement — and, freelancers, we discuss how to create a retirement savings plan of your own. And finally, don't cringe, but it's tax time. We have information you need to know for the 2017 filing season, why you should file ASAP and tips to help you do it. As always, we want to hear what you think. Please send us your questions and topics you want to learn more about — and share us with the women you love!

Is your job "have laptop, will travel"? Or more "Home Alone"? Or are you still part of the 9-to-6 (and counting) workforce and are looking for solutions to give you more of a life? Jennifer Berrent, Chief Culture Officer at WeWork — the communal office space company that's quickly spreading across the globe — takes us through how she creates a culture and work space that reflects the needs of the new and dynamic workforce in it ...and how you can do the same in yours. Plus, Kelly and I answer your financial questions about balancing paying off credit cards and/or funding an emergency cushion. And I've got tips for having your resume at the ready for the job you really want to land. As always, we not only welcome, but want your feedback. So please share HerMoney with your colleagues and friends.

I believe people seek financial advice when something major happens in their lives: a marriage, a divorce, a new baby, a new job, a job loss or a death in the family. That's why Kelly and I decided to dedicate another episode of HerMoney to your most pressing questions. In this second Mailbag special, we cover teaching kids about money, saving for college, life insurance, online wills, splitting the dishes in divorce, HSAs, tax deductions for home offices and more. As always, we love hearing what's on your mind. Keep your questions coming, along with topics you'd like to hear more about on HerMoney. Please share us with your friends, ask them to subscribe and leave us a review.

Work-life wellness expert Samantha Ettus says the answer to that question is yes (although perhaps not on the same day) and that you can eliminate guilt as part of the process. Our conversation was music to my ears — you've heard me complain about guilt before — but Sam's strategies for releasing your inner badass made me feel significantly better. I think they'll do the same for you. Plus, she's offering some free copies of her new book, "The Pie Life," for our listeners. Tune in for details. Then, Kelly and I delve into how much allowance to give your kids and how much you need to start investing. Plus, who doesn't want to earn more money in 2017? In our Thrive segment: tips for getting that raise. Please share the wealth! Forward this link (http://ow.ly/3Miq307EfmJ) to a friend who needs it.

We were looking for a little kick in the financial butt to get us off to a smashing start in 2017 — so we invited Tiffany Aliche (rhymes with ceviche), "The Budgetnista," to make a house call. Tiffany, the Energizer Bunny of personal finance, is famous for saving $40,000 in two years on a $35,000 salary (yes, you read that right). She used that money to buy a house and secure her own financial future, and now she's helping others do the same. Plus, Kelly and I answer your questions (who pays for a wedding these days, and how you regroup if your spouse has been hiding debt), and we talk about our favorite apps for keeping your financial goals in check. Tune in. Ask your BFF to do the same. Discuss.

A perennial on the list of the top New Year's Resolutions: "Spend less, save more." That's always an important goal, but next year — with 2016 winding down and interest rates inching up — it's more important than it has been in a while to your bottom line. Liz Weston, who literally wrote the book on how to get your credit score into tip-top shape, is here to help us do just that — plus how to hire a financial planner (now that she's become one) and how to maximize your Social Security. Then, Kelly and I answer your questions about negotiating a tax payment plan with the IRS. Happy 2017: Make your resolution to share HerMoney with a friend who needs it!