HerMoney with Jean Chatzky

Happy New Year, and welcome to the very first show of 2018! When I was thinking about who I wanted to have on this show, it took me maybe all of two minutes to decide — my NBC TODAY sisters Jill Martin and Joy Bauer. For the past few years, we’ve teamed up for segments at the start of the year to help all of you kick off your money, health and organization-related resolutions. And that’s exactly what we’re doing in this episode. From skinny cocktails to fatter wallets to creating a closet that has you feeling and looking like a 10 — we're covering it all. In our first Mailbag of the year, we discuss how to broach the subject of estate planning with a parent and how to handle your 401(k) when your company goes Roth. And then, finally, back by popular demand, we run through a handful of services for selling or donating your unwanted goods.

"Know your worth and then add tax." Our final show of 2017 is filled with empowering statements — and new life mantras — courtesy of our new girl crush Robin Arzon. Successful lawyer-turned-health-and-wellness-influencer, Arzon is the bestselling author of "Shut Up And Run," and the Head Instructor and Vice President of Fitness Programming for Peloton Cycle. (I first met her on my bike.) As we shift gears for 2018, she gets us focused on our health and wealth so that we can make this year our best one yet. Then, Kelly and I answer your questions on 401(k) rollovers, financial considerations for caregivers and how to prioritize credit card debt with building emergency savings. Thank you for another fantastic year of HerMoney. We'll talk soon...in 2018!

As we head into the home stretch of 2017, it's time for a little honesty and introspection: Are you happy at work? Does your job excite you? Does it make you feel fulfilled? Does it make you feel like you have a purpose? We know it sounds idealistic — and no, you're not going to love everything you do every single day — but fulfillment at work is possible. This week Kathryn Minshew, CEO & founder of TheMuse.com, tells us how in a lively, exciting conversation. Oh, and, for the record, we happen to love what we do and it's largely because of you. Please leave us a review on Apple Podcasts and tell us what you'd like to hear more of in 2018.

This week we're having a conversation with Sheila Bair, who Forbes named the second most powerful woman in the world — twice. As Chair of the Federal Deposit Insurance Corporation from 2006 to 2011, she steered the agency through the worst financial crisis since the Great Depression and was the woman responsible for the successful safekeeping of $6 trillion of Americans’ savings. Her leadership earned her nicknames like — the “new sheriff of Wall Street” and the “little guy’s protector in chief." We go back to the 2008 financial crisis, discuss whether history is repeating itself and the lessons all of us can take away from it as consumers, investors and as a society as a whole. Kelly and I answer your questions on finding a financial planner and removing a delinquency from your credit report. Then, Hayden joins us to share how she negotiated a listener's internet bill.  Services and sites mentioned: -blooom: https://www.blooom.com/ -Financial Planning Association: https://www.onefpa.org/Pages/default.aspx -National Association of Personal Financial Advisors: https://www.napfa.org/ -Garrett Planning Network: https://www.garrettplanningnetwork.com/

Last week the world celebrated Giving Tuesday, the unofficial kickoff for the charitable giving season. We know that many of you will be giving back this holiday season. We also know that with over a million charities in the United States alone, figuring out where to direct your money can be an overwhelming decision. Is this cancer/hunger/social justice/fill-in-the-blank organization the right one? How will your donation line up with your values and goals — not to mention, change the world? Yes, they're big questions. But we've got answers from Katherina Rosqueta, the founding executive director of the Center for High Impact Philanthropy at the University of Pennsylvania. Then, Kelly and I dig into the social etiquette for asking friends and family for donations — and we cover your questions on car deals, 401(k) rollovers, stock options for kids and year-end tax planning moves in a year of uncertainty.  Resources mentioned in the show: -High Impact Giving Guide: https://goo.gl/Y1fmfr -Charity Navigator: https://www.charitynavigator.org/ -Robinhood: https://www.robinhood.com/ -Stockpile: https://www.stockpile.com/ -GiveAshare: http://www.giveashare.com/

If anything’s a taboo on this show, it’s not talking about money. But for nearly half of Americans, they’d rather talk about politics, religion or death before discussing anything related to personal finance. That's why we brought in Kathleen Burns Kingsbury, wealth psychology expert and author of the new book Breaking Money Silence: How to Shatter Money Taboos, Talk More Openly about Finances, and Live a Richer Life. Because, as she says, in a world where money can grant self-worth, power, respect, freedom and even love, there can be prices to pay for money silence. Then, Kelly and I answer your questions on building money confidence, choosing an online bank and picking the right credit-monitoring service. We also cover ways to save you money and time this holiday shopping season.

Back away from the shopping carts! Before you do any shopping this week — either in-store or online — take 35 minutes to listen to this episode. We're with Dan Ariely, professor of psychology and behavioral economics at Duke University. He's out with his new book, Dollars and Sense: How We Misthink Money and How to Spend Smarter. He gifts us — and our wallets — with a holiday shopping game plan and answers questions like: Why does paying for things often feel like it causes actual pain? When is a sale not really a sale? And how should we think of "free" items? In Mailbag, we discuss how to start investing in your early 20s and how to broach estate planning with your parents. (Good news: The holidays are an opportune time for this.) Then, we cover new research on money anxiety and a simple solution for feeling more at peace. The HerMoney team would like to wish everyone a Happy Thanksgiving! We're certainly grateful for all of you — and extra grateful for reviews.

Back in June, we took you with us to an event called "Winning Play$: Black Women, Feminism & Empowerment." It was hosted by the fabulous Stacey Tisdale, a fellow financial journalist, who has reported on business and finance for more than 15 years. We sat down with her and Gloria Steinem for a discussion on race, money and power. The thing is, we barely scratched the surface. And some of you wrote us — including Whitney, who you'll meet in Mailbag — and said: "More, please." We agreed. So we're back with Stacey this week to pick up where we left off. We discuss feminism, race, resilience and entrepreneurship. Please let us know what you think of this conversation (you never know who we'll invite to the studio next)! Website mentioned on the show: www.kidfund.us

We dove into our Mailbag this week — Daffy Duck-style — for another bonus episode. In this show, we answer your questions on taking on a mortgage in retirement, buying a new car, using rewards credit cards strategically and more. Plus, new app alert! There's a new app in town, and it's targeting your credit card debt. Please keep the questions coming. You can submit yours right here at JeanChatzky.com: https://www.jeanchatzky.com/podcast/.

Sleep debt. It's a real thing, and it affects two-thirds of women. When we shut off the lights and can’t shut off our brains, what should we do? This week, we sit down with Nancy H. Rothstein, The Sleep Ambassador, to get the answers. We discuss why our sleep is suffering, how to turn it around and why doing so is in our finances' best interest as well. Speaking of which, Kelly and I answer your questions on personal loans for five-figure debt and where to keep emergency savings for the best returns. And, inspired by Congress's almost-Rothification of 401(k)s, we look at research on traditional and Roth 401(k)s and whether the difference between the two impacts how — and how much — we save. As always, we love hearing from you. Leave us a review on Apple Podcasts telling us what you think and what you want more of.

Raising a child isn't cheap. The DOA estimates it'll cost a quarter million to raise a child born in 2015 — and that's without college. But what if your child has special needs? One study estimates the lifetime costs of treating and caring for an individual with autism can rise to $2.4 million. That's the boat Judith Newman is in. She's the author of To Siri with Love: A Mother, Her Autistic Son, and the Kindness of Machines, a collection of touching and — surprisingly often — hilarious stories about life with her teenage son, Gus, and his twin brother, Henry. Then, Kelly and I dive into taxes, investing in retirement and how to dodge bank fees with very little effort. If you have a minute, we'd love to hear what you think. Leave us a review on Apple Podcasts.

Open Enrollment — the limited time period in which you can sign up for health insurance on the individual market — starts on Wednesday, November 1, and it runs through December 15. Yes, Obamacare still exists. Likewise, Medicare Open Enrollment and the Open Enrollment period for many employers is also underway. Buying health insurance has never been more complicated, and we know you've probably got questions. So, with the help of Nate Purpura, VP of Consumer Affairs at eHealth.com, we've got answers. Taking 15 minutes to listen to this special episode could be the best financial decision you've made in a while. Sites mentioned: https://www.healthcare.gov/ http://ehealth.com/ https://www.medicare.gov/find-a-plan/questions/home.aspx

In the last few years, Dr. Nancy Snyderman lost her father, left her job at NBC News, let go of her identity as a Journalist (capital J) and had to figure out who she was without all of them. She talks about going through what was essentially an existential crisis and how she learned the importance of knowing herself at her core as work identities come and go. We also discuss caretaking and how to handle a loved one's affairs. Then we tackle your questions about credit reports. (What if there's a spelling error? Should minors have one?) And, in Thrive, we recap estate planning must-have documents and considerations.

Biologists say conversations are essential to our survival, yet we're having less of them and getting worse at them. We talk about money every week in hopes of inspiring you to do the same. But we know. It's hard. Celeste Headlee is here to help. The author of the new book "We Need to Talk: How to Have Conversations That Matter" shares five ways we're holding ourselves back from being better communicators. Then, Kelly and I answer your questions on credit freezes and the FAFSA and consolidation loans. And we dive into burnout — and how to avoid it. Do us a favor? Leave us a review.

In this week's Mailbag, we discuss short sales and reverse mortgages. Then, Hayden comes in and shares how she helped a listener save over $350 on her cable bill. And if you recently experienced a customer service nightmare — or feel like a company has ripped you off — send your complaint our way at JeanChatzky.com.