On this week’s Ask Farnoosh, we tackle a fresh round of your money questions, including:

• Is whole life insurance ever worth it?
• What are the smartest (and most affordable) ways to invest in your health?
• How to job-hunt effectively with a PhD in hand and limited prospects.

But first, Farnoosh recaps top stories in money news, from Trump’s push to include crypto in 401(k)s, to the surprising rise in early Social Security claims, the falling dollar, and a rare bright spot: more Americans are finally hitting their retirement savings goals.

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Our guest needs little introduction if you’ve spent any time in the world of online entrepreneurship. Pat Flynn is one of the most respected thought leaders in digital business and passive income. He’s the creator of Smart Passive Income, host of multiple top-ranked podcasts, a sought-after speaker, and the author of several bestselling books including Will It Fly? and Superfans.

Now, Pat is back with a timely and much-needed new book: Lean Learning: How to Achieve More by Learning Less. In an age when we’re drowning in information and pulled in a dozen directions by the algorithm, Lean Learning is a practical framework for mastering new skills efficiently—without burning out or going broke in the process.

In our conversation, Pat and I talk about:

• The danger of “overlearning” and why too much information can backfire
• The difference between "just-in-case" learning and "just-in-time" learning
• His 1-1-1 method for launching a business with zero overwhelm
• The “Inspiration Matrix” and how it helps prioritize your ideas
• Leaning into AI as a tool for creativity—not a crutch
• Why he teaches his kids executive function and communication over GPAs
• The 20% Itch Rule—and how it led to multimillion-dollar projects like the SwitchPod

What does it mean to be well-mannered with your money?

Today, we’re getting a masterclass in modern etiquette from Daniel Post Senning, the great-great-grandson of Emily Post and co-president of the Emily Post Institute. Daniel joins us to talk about the sticky situations we all face—splitting the bill, tipping in the era of digital checkout screens, handling salary conversations with friends, and navigating the financial asks that come with weddings, parties, and work culture.

With AI reshaping our communication, remote work blurring social lines, and generational traditions clashing with modern norms, it’s never been harder—or more important—to be mindful of how we show up for each other.

For more information, check out The Emily Post Institute, the podcast Awesome Etiquette, and the book Emily Post’s Business Etiquette.