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HerMoney with Jean Chatzky

By: Jean Chatzky Her Money
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  • Summary

  • Anyone who tells you women don’t need financial advice specifically for them is wrong. Women, whether they’re the caretakers, the breadwinners, or both, face a unique set of financial challenges. That’s where HerMoney comes in. In her frank, often funny, but always compassionate way, Jean Chatzky takes every audience of women through the steps they need to take today to live comfortably (and worry-free) tomorrow, offering the latest research, expert tips and personal advice. Want more money news when you need it? Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at HerMoney.com/subscribe!
    © 2016, Jean Chatzky
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Episodes
  • Ep 425: Does More Money = More Happiness?

    Ep 425: Does More Money = More Happiness?
    May 29 2024
    According to the 2024 World Happiness Survey, we’re pretty unhappy as a country this year. And although there are plenty of external reasons for us to be unhappy — sky-high costs at the grocery store, mortgage rates hovering around 7%, and credit card debt soaring – we’re all about controlling what we can control and that includes prioritizing our well-being over all else (no summertime sadness here). Stephanie Harrison, author of: “New Happy: Getting Happiness Right In a World That’s Got It Wrong,” feels that way too, so much so that she spent 10 years diving into the world of happiness research. Listen in to hear why the “Old Happy” is making us all miserable and why she believes the “New Happy” should be the framework we’re building our lives around instead. Chapters: 00:00:00: Introduction 00:02:58: The Concept of "New Happy" vs. "Old Happy" 00:07:11: The Role of Money in Happiness 00:12:08: Social Media's Impact on Happiness 00:19:39: Tactical Solutions for Creating a Happier Life 00:23:11: Finding a Job that Aligns with Your Gifts 00:25:44: Daily Shifts to Increase Happiness 00:27:30: Mailbag Segment Takeaways: The Old Happy tells us we need to achieve more, be perfect, and be hyper-independent. These expectations are unrealistic and make us miserable. The New Happy involves discovering who you are and using your gifts to help others. This leads to personal growth, fulfillment, and creating happiness for others. Money is necessary to fulfill our needs and create experiences of well-being, but the pursuit of more and more money does not lead to proportionate increases in happiness. To find intrinsic goals that make you happier, consider safety, community, relationships, passions and interests, and personal growth. Daily shifts to make yourself and others happier include looking for opportunities to help, recognizing the support you receive, and paying attention to people who are doing good in the world. More money news when you need it! Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    41 mins
  • Mailbag: We have $146,000 in student loan debt, how do we pay it down?

    Mailbag: We have $146,000 in student loan debt, how do we pay it down?
    May 24 2024
    In this Mailbag, Jean talks to Patti and Patrick about the substantial student loan debt they’ve incurred on behalf of their daughter. They explore various ways to pay it down, including using a home equity line of credit or tapping into retirement funds. Jean gives detailed guidance on the best approach to consolidate the debt. The episode also touches on the broader financial responsibilities parents face, and the importance of open communication with children about the realities of debt. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Takeaways: When dealing with multiple student loans, consider consolidating them to secure a lower interest rate. Before tapping into retirement funds or other long-term savings to pay down student loans, consider the tax implications and potential penalties. Home equity lines of credit can be a viable alternative for paying down student loans, but compare interest rates and terms. Chapters: 00:00:00: Introduction 00:02:52: Details of Student Loan Debt 00:05:18: Interest Rates and Consolidation Options 00:07:52: Home Equity and Savings 00:13:38: Financial Planning and Parental Support 00:16:08: Next Steps The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    20 mins
  • Ep 424: If Your Budget Isn't Working, Here's Why

    Ep 424: If Your Budget Isn't Working, Here's Why
    May 22 2024
    Is your budget working? The 50/30/20 budgeting rule — one of the most popular budgeting methods that has been around for 20 years — was created by Elizabeth Warren (yes, that Elizabeth Warren) and has largely been seen as the “gold standard” of budgeting ever since. But does it work for today’s economy? There’s also reverse budgeting, which we use in our Finance Fixx program, and has helped our participants save an average of $1,500. The point is, we have options, and our goal with our money should always be to find the one that works best for us — especially when our budget isn’t working the way we need it to This week, we’re talking about 60/20/20 budgeting with Sean Pyles, host of the Smart Money podcast. He shares why he thinks this budget is a better framework to follow, and how we can all make budgeting just a little more fun. In Mailbag, we hear from someone who’s in the market for a car and is wondering if now may be the best time to buy an EV. We also hear from a listener who is looking for strategies to consolidate her credit card debt to lower her APR. Chapters: 00:00 The 50-30-20 Budgeting Rule 03:19 Different Perspectives on Budgeting 08:48 Adjusting Budgeting Categories for High-Cost Areas 12:10 Cash Stuffing and the Fun Side of Budgeting 20:04 Considerations for Buying an Electric Car 24:53 Managing High-Interest Credit Card Debt Takeaways: Budgeting is not one-size-fits-all and should be tailored to individual circumstances and preferences. Tracking spending can help identify areas where expenses can be reduced or optimized. Consider alternative budgeting methods, such as budgeting backwards or using the spending and savings bucket method. In high-cost areas, it may be necessary to adjust budgeting percentages to accommodate higher expenses. When dealing with high-interest credit card debt, explore options like negotiating lower interest rates or considering a balance transfer or debt consolidation. When buying an electric car, consider factors such as charging infrastructure and range anxiety. Explore not-for-profit credit counseling agencies for assistance with managing credit card debt. More money news when you need it! Get the latest and greatest updates on all things investing, budgeting and making money. Subscribe to the HerMoney newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    31 mins
Economics Personal Finance
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