He Said She Said the Money Guide Podcast

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Tune in and find out what is on the minds of two long-practicing, fee-only financial planners – Jay Furst and Certified Financial Planner ™ Cheryl Costa. Cheryl and Jay chat weekly about the markets and a wide range of personal finance topics.

Cheryl Costa and Jay Furst


    • Jun 18, 2025 LATEST EPISODE
    • every other week NEW EPISODES
    • 31m AVG DURATION
    • 275 EPISODES


    Search for episodes from He Said She Said the Money Guide Podcast with a specific topic:

    Latest episodes from He Said She Said the Money Guide Podcast

    The Senate Takes a Turn (Episode 274)

    Play Episode Listen Later Jun 18, 2025 24:37


    Proposed changes to the Big Beautiful Bill, Yale decides private equity isn't all they thought, and Syracuse offering big time sweeteners to prospective students.

    Tacos, Tacos, Tacos Here… (Episode 273)

    Play Episode Listen Later Jun 11, 2025 31:00


    The trade of the year so far. Bromance ends bitterly, savings are close to target, and loan limits could cause a shortage of doctors. Plus the rise of Buy Now/Pay Later and the 401(k) hierarchy trap.

    The Boy Who Cried Tariff (Episode 272)

    Play Episode Listen Later May 27, 2025 28:20


    Threats against the EU and Apple, the tax bill passes the house and heads to the Senate and it is time to do some estate planning. But be careful about the TOD on your house.

    Sesame Street Streaming (Episode 271)

    Play Episode Listen Later May 20, 2025 29:24


    Say that 3 times fast… Bert and Ernie are moving to Netflix. Moody's downgraded US debt from the highest levels, Wal-Mart tariff fallout, investigations at United Healthcare and Empower adding private investment. Plus your crypto key or a finger, the stealthy wealthy and 7 year car loans.

    Big Beautiful Tax Bill (Episode 270)

    Play Episode Listen Later May 15, 2025 29:31


    It will change and it has a lot of holes but other than that… Plus $10K to nap. Zzzzz…

    Buffett Stepping Down (Episode 269)

    Play Episode Listen Later May 7, 2025 31:00


    Man, Myth, Legend! College loans galore, earlier claims on social security and Microsoft takes a stand.

    Museum of American Finance (Episode 268)

    Play Episode Listen Later Apr 22, 2025 27:55


    Yes, that somehow made the cut. Plus Trump vs Harvard, Trump vs J Powell, Trump vs the IRS, which now has its 5th head in 3 months. Plus plus YTD performance and possible relief for scam victims.

    Tariffs and Markets (Episode 267)

    Play Episode Listen Later Apr 9, 2025 25:27


    And Bears and Bulls, oh my.

    Diamond Theft 101 (Episode 266)

    Play Episode Listen Later Apr 2, 2025 30:45


    Step 1: swallow the diamond earrings. Step 2: MENSA is off the table. Plus the US Treasury stopping paper checks, quarterly performance, an IPO and two bankruptcies. Plus plus where to get emergency cash.

    He Said She Said Hits the Charts (Episode 265)

    Play Episode Listen Later Mar 19, 2025 28:03


    Or does it. The markets are in correction territory, car prices could jump $4K, Harvard tuition waivers and a government spending limit. Plus a mortgage blacklist, hot coffee payout and landlords playing hardball.

    Ferris Bueller on the Economy (Episode 264)

    Play Episode Listen Later Mar 12, 2025 35:09


    The markets and tariffs and trade wars and recession fears. Rest easy – you can get a green card for only $5 million. Anyone know how much your spouse makes?

    Landfill for Sale (Episode 263)

    Play Episode Listen Later Feb 17, 2025 27:30


    Actually, no. Reciprocal tariffs, DOGE access to the IRS and a flurry of houses on the market in the greater DC area. Plus the crypto guy who moved to Puerto Rico and how to protect yourself from Elon.  

    Something Smells Musky (Episode 262)

    Play Episode Listen Later Feb 12, 2025 26:08


    Elon made a bid for OpenAI, the DOGE team is on the loose and one of them, a 19-year-old student, was fired from a cybersecurity team for leaking secrets. A few got wealthy from the Trump meme coin, but the majority got crushed. Plus getting in tough with your Congressperson is rough, Boomers are coming to the senior housing market and Cheryl is not happy with her home insurance renewal.

    Sorkin Coin (Episode 261)

    Play Episode Listen Later Feb 5, 2025 28:38


    If this doesn't prove we're in the Wild West of Crypto, nothing will. The US is very rich but quite unhappy, Uncle Sam knows about your side hustle and EV owners getting hit with state fees. Good luck buying a home since nobody is interested in selling.

    Goodbye to TikTok? (Episode 260)

    Play Episode Listen Later Jan 22, 2025 31:54


    The Supreme Court upheld a ban on the app but Trump delayed it. Now what?  Trump meme coins soar, Harvard MBAs struggle to find a job and the SEC sues Musk over his Twitter purchase.

    Writing Your Will (Episode 259)

    Play Episode Listen Later Jan 15, 2025 29:43


    Better than a video. But a video might help with insurance. Fires in LA and the fallout, Nissan getting bailed out by Honda and Steve Ballmer invests {gasp} like we do.

    2025 Outlook? (Episode 258)

    Play Episode Listen Later Jan 8, 2025 30:27


    Be serious – those predictions are all garbage. Plus out of control car payments, the quest for the perfect credit score and 4 million turning 65 this year. Plus plus the generous billionaire in trouble for not being generous enough.

    Do Any of These Pass the Smell Test? (Episode 257)

    Play Episode Listen Later Dec 17, 2024 24:19


    An 80-hour work week for no pay? Halo effect for an assassin? Marathon flex on your resume? MicroStrategy in Nasdaq 100? Amazon selling cars? Fart Coin?

    Beware of… (Episode 256)

    Play Episode Listen Later Dec 3, 2024 24:34


    Performance Improvement Plans, year-end distributions, porch pirates, varying Medicare payments, 15% guarantees and Crypto. On the bright side, the market has been good so far and the Boston Marathon is finally making payments.

    Nvidia or War (Episode 255)

    Play Episode Listen Later Nov 26, 2024 29:00


    Seems Nvidia is more likely to move the stock market. The $6.2 million banana, $8 billion for Jersey Mike's, yield curve inversion (again) and 25% tariffs coming to a border near you. Plus Buffett's words of wisdom, taxes on your crypto, and fun with expense accounts.

    A Market Melt Up? (Episode 254)

    Play Episode Listen Later Nov 19, 2024 27:51


    Is the Trump Trade for real?  What about the Bitcoin run-up?  Some good news for teachers and how worried should you be about changes with student loans?  Social Security payments go up in 2025 but Medicare premiums go up more.

    Uncle Sam is Giving Money Away (Episode 253)

    Play Episode Listen Later Nov 5, 2024 27:10


    And it's hard to give it back. Super catch-up contributions and other odd provisions, Nvidia replacing Intel in the Dow, airport changes and more. By the way, did you know your will is public when you die?

    ‘Tis the Season (Episode 252)

    Play Episode Listen Later Oct 29, 2024 29:32


    Income bracket adjustments, increases to gifting amount and end of year tax moves. Plus a college guru who claims he will get your kid into Harvard and some acronyms that could impact your social security payments.

    Cheryl Rants (Episode 251)

    Play Episode Listen Later Oct 16, 2024 27:01


    Another market high (yawn), the Fed bases their decisions on data {Gasp!}, an ungrateful heir (eye roll), plus casualty losses and accompanying tax benefits plus a social security bump.

    That Was Interesting… (Episode 250)

    Play Episode Listen Later Oct 9, 2024 29:43


    Jay had a coughing fit while thinking his mic was muted, then spoke for awhile while it was inadvertently muted. Cheryl played charades trying to explain who knows what. And our hosts talked about finance stuff.

    September Market Woes (Episode 249)

    Play Episode Listen Later Oct 2, 2024 26:01


    Not this year, anyway. But the first few hours of October are weak…Plus a market surge in China, heading back to the office and non-alcoholic champagne. Plus plus beware of callable CDs and collectors asking survivors to cover debts of family members.

    If It Sounds Too Good… (Episode 248)

    Play Episode Listen Later Sep 26, 2024 27:35


    It probably is, unless you're betting against Cheryl. Wild weekly market swings, impacts of the Fed rate cut and it might be time to switch banks. Plus Robinhood excessive options costs and renting vs. owning.

    Recession Indicator Confusion (Episode 247)

    Play Episode Listen Later Sep 17, 2024 27:38


    Is it the inverted yield curve or the un-inverted yield curve? Is it better for the market to have a Democrat or Republican in office? Plus college hunting season, Bezos real estate purchases and 0 day options mania.

    Nvidia Watch Parties (Episode 246)

    Play Episode Listen Later Sep 4, 2024 29:33


    No, that is not a typo. Over one-third of their employees are “filthy rich”. Plus, tax changes to come after the election, Powell and the Fed to cut rates and the new realtor commission schedules.

    Olympic Perks (Episode 245)

    Play Episode Listen Later Aug 20, 2024 28:00


    From cash to homes to colonoscopies for life. Plus a market update, income needed to buy a home in CA and the cost of a trip to Disney. Plus plus eyeball scans for AI and your credit score for dating apps. Alrighty then.

    Ten Year Inherited IRA (Episode 244)

    Play Episode Listen Later Aug 12, 2024 27:43


    The rules have finally been clarified (mostly). How Kamala manages her money, the 401(k) rollover mistake costing billions and weighting whiplash. Plus parents of a teen driver sentenced as well.

    Market Selloff (Episode 243)

    Play Episode Listen Later Aug 6, 2024 27:43


    Remain calm, folks.  This is exceptionally normal. Did the Fed wait too long? Is Jermey Siegel a drama queen? A scam wipes out a good Samaritan. Plus difficulty getting a large umbrella policy, boosting your kids' credit scores and withholding from social security.

    Here Comes a Correction (Episode 242)

    Play Episode Listen Later Jul 23, 2024 25:28


    Maybe but who cares? It's not newsworthy! The IRS is now focusing on the regular wealthy as opposed to uber wealthy. Plus free med school tuition at Johns Hopkins and 6% is the new 401(k) default.

    Customer Service Issues (Episode 241)

    Play Episode Listen Later Jul 15, 2024 26:49


    Vanguard doesn't want you to call, Robinhood never wanted you to call and companies aren't taking checks. Title insurance may have the greatest margins EVER! Plus Nvidia replaced Enron in the S&P about 23 years ago. Will it meet the same fate?

    Fun with Uncle Sam (Episode 240)

    Play Episode Listen Later Jun 17, 2024 22:11


    Unless, someone steals your identity or you miss some estimated payments. Roaring Kitty – again. Plus watch out for the insurance costs for those EVs and maybe save money outside of your 401(k).

    Friends with Benefits (Episode 239)

    Play Episode Listen Later Jun 12, 2024 28:22


    Please keep your IRA beneficiaries up to date. Stashing cash throughout the house, perjury from a hardship withdrawal, how $99 in bets costs nearly $740K and Apple joins the AI crowd. Plus more on inflation and Gamestop.

    Roaring Kitty Teams Up with Barstool Sports (Episode 238)

    Play Episode Listen Later Jun 5, 2024 28:58


    Or so it seems from the latest meme stock frenzy. Graceland to auction? Beware of the Augusta, student loan rates are increasing and the IRS is waiving penalties for failure to take distributions from inherited IRAs. Yes…again.

    Meme Stocks, They're Baaaccckkk (Episode 237)

    Play Episode Listen Later May 16, 2024 26:27


    Market insanity around meme stocks and one stock ETFs. FTX account holders to be made whole (unless the hedge funds got to you first) and hospitals demanding payment before surgery. Plus the rent vs buy dilemma and the danger of winning the marathon and finding out years later.

    The Most Boring Man in the World (Episode 236)

    Play Episode Listen Later May 8, 2024 27:35


    Do we have a winner? It certainly is not the Oracle of Omaha. Does everyone want out of Florida, how selling your house has gotten more expensive (especially in MA) and watch out for that back door Roth conversion. Plus good new for the cannabis industry.

    Curious Cheryl Buys a Car (Episode 235)

    Play Episode Listen Later May 1, 2024 24:43


    She loves her new Highlander. Buy Now Pay Later impacting your credit score, job scams targeting young people and many people are retiring earlier than planned.

    Inherited IRA Befuddlement (Episode 234)

    Play Episode Listen Later Apr 25, 2024 26:32


    You might have to take distributions every year over the next ten. Unless you don't. That should clear it up. Plus non-competes banned, the gap between your current mortgage rate and a potential new one is bigger than ever. Plus GM may not have been completely forthcoming.

    What a Sh.. Show (Episode 233)

    Play Episode Listen Later Apr 16, 2024 29:54


    Tax Day Fun – hope you didn't roll over that $1 million SEP into a regular account accidentally. Tesla heading south.  So is DJT. Yet another security breach, this time at AT&T. Plus $100 commissions for some ETF purchases at Fidelity and technology to monitor your bathroom use. That was not a typo.

    Big Brother is Still Watching (Episode 232)

    Play Episode Listen Later Apr 9, 2024 33:20


    Satellite images can impact your home insurance. Which states are seeing the largest increases? That 529 to Roth rollover might be taxed in your state. Plus college costs approach $100K annually and you can now leverage your bet on Bitcoin. What a break?!

    Medicare Advantage vs Medicare with Medigap (Episode 231)

    Play Episode Listen Later Mar 26, 2024 30:55


    Hint: you were probably sold the Advantage plan. Are ESPPs a no-brainer? File your taxes or the IRS will come knocking…eventually. Plus you may get charged to email with your doctor.

    The Real Estate Issue (Episode 230)

    Play Episode Listen Later Mar 19, 2024 24:27


    Those 6% commissions could be a thing of the past but how will this impact the market. Buyers' brokers, sellers' brokers and underlying home values. Closing costs are on the rise, mostly due to interest rate buy-downs.  Smart or not so much?

    Big Brother is Watching (Episode 229)

    Play Episode Listen Later Mar 13, 2024 28:21


    It could be why your car insurance went up. Inflation is under control, Bitcoin is not. A parlay to cover your college loans might not be the best decision and no, your 401(k) is not in danger of being seized.

    Chase NO Customer Service (Episode 228)

    Play Episode Listen Later Feb 28, 2024 26:22


    There are more $100 bills than any other denomination.  Hmmm. Nvidia knocks off Meta for the one-day growth record, the market rolls on but your appliances might not. Plus Jay vents about Chase.

    Scholarships for Cornhole (Episode 227)

    Play Episode Listen Later Feb 21, 2024 26:03


    Yes, seriously. Tax bills for iBonds, a dating app based on  your credit scores (yes, seriously) and carrying a mortgage in retirement. Plus NVDA reports earnings.  Can we get a giddyup?!

    Are Assumable Mortgages Really Assumable? (Episode 226)

    Play Episode Listen Later Feb 13, 2024 28:49


    Americans are turning 65 at a record pace, student loan payments may be eligible for a 401(k) match and that HELOC has gotten expensive. Plus non-auto insurance and guidelines for converting your 529 to a Roth IRA.

    Twelve Thin Mints for $6 (Episode 225)

    Play Episode Listen Later Feb 5, 2024 29:40


    Yes, inflation impacts girl scout cookies. META with the largest one day market value increase in history, custom fit 401(k)s and FAFSA info not getting to colleges until March. Plus a special grandparent 529 discussion.

    Adding Insult to Injury, the Lions Lost (Episode 224)

    Play Episode Listen Later Jan 31, 2024 24:32


    Update on Mr. Treasuries. Tax time is here…but don't rush to file. Home sales at their lowest level in a generation, IBM wants everyone in the office and beware of QR codes.

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