Money Rehab with Nicole Lapin

Bill Gurley is a Wall Street and Silicon Valley legend. He's the analyst who led the Amazon IPO and went on to become one of the most successful VCs of all time and an early investor in Uber, Zillow, and GrubHub. Today, he joins Nicole to answer the biggest questions on investors' minds right now. Bill doesn't mince words: yes, we're in an AI bubble— and he explains exactly why, from circular spending deals that smell like Enron to the speculative behavior that always follows a real wave of innovation. He breaks down why the IPO system is rigged against retail investors, what tokenization could do to fix it, and what a SpaceX IPO would actually mean for everyday investors. He also shares the one market sector he thinks is quietly becoming a buy, and the specific Chinese battery stock he personally owns. Then the conversation shifts to Bill's new book, Runnin' Down a Dream, and his surprisingly personal framework for building a career you actually love. He shares the question he asked himself twice that changed the entire course of his life, his research on career regret, and why chasing passion is a competitive advantage. Check out Nicole's financial literacy course The Money School  Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Get Bill's book Runnin' Down a Dream  Here's what Nicole covers with Bill:  00:00 Are You Ready for Some Money Rehab?  01:12 SpaceX + xAI: What Elon's Deal Really Means  03:18 Why Retail Investors Keep Getting Shut Out of the Best Companies  05:55 The IPO System Is Rigged  08:36 Inside the Amazon IPO 10:40 Are We in an AI Bubble?  16:30 AI vs. the Dot-Com Bubble 21:15 Which AI Tools Bill Actually Uses  22:00 Bill's Take on AGI Hype  23:30 Where Bill Sees Opportunity Outside of Tech  27:30 The Chinese Battery Stock Bill Personally Owns  28:45 How to Evaluate Stock Options as an Employee  31:50 The Hidden Value of Joining a Fast-Growing Company  33:15 Buy Side vs. Sell Side Analysts  35:40 The Question That Changed Bill's Career Twice  38:00 Why Following Your Passion Is a Competitive Advantage  42:00 How Tito's Vodka Started with a Blank Sheet of Paper  45:20 Bill's Next Chapter: A Policy Institute  48:00 Nuclear Energy, Healthcare, and the Issues Bill Wants to Fix  51:06 Bill Gurley's Tip You Can Take Straight to the Bank All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions.

President Trump wants to cap credit card interest rates at 10%, and if you're one of the millions of Americans drowning in credit card debt, that sounds like a dream. But Nicole breaks down why this proposal might not be the hero story it seems, and what you should actually be doing right now while Washington debates. Nicole explains the real reason a rate cap could backfire, why people with lower credit scores could end up worse off, and the actionable moves you can make today (no legislation required). From the debt avalanche method to balance transfers, personal loans, and a surprisingly simple phone call that could save you thousands, this episode is your full playbook for escaping the high-interest debt trap. Check out Nicole's financial literacy course The Money School  Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Here's what Nicole covers today:  00:00 Are You Ready for Some Money Rehab?  00:16 Trump's 10% Credit Card Rate Cap, Explained  01:17 Why This Isn't the Win It Sounds Like  02:10 Who Could Lose Access to Credit Entirely  02:52 The Payday Loan Trap Nobody's Talking About  03:12 What You Can Do Right Now  03:53 Know Your APR  04:31 The Debt Avalanche Method  05:09 Balance Transfer Cards and Consolidation Loans  06:27 How to Negotiate Your Interest Rate  07:01 Why Even $25 Extra a Month Matters  07:41 Tip You Can Take Straight to the Bank All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions.

Behavioral scientist and bestselling author Jon Levy is back to unpack how we can leverage our own psychology to build wealth. He explains why publicly announcing your financial goals can actually sabotage them, how “if-then” plans outperform willpower, and why adopting the identity of “I'm an investor” can become a self-fulfilling prophecy. Then Nicole asks Jon what the science says about whether jerks make better CEOs, and he shares research-backed strategies for becoming a stronger leader. He also gets personal: how growing up as the child of immigrants affected his money mindset, the road to becoming debt-free in eight years, and the amount of money he needs in his bank account to feel safe. Nicole and Jon also discuss how financial frameworks like the sunk cost fallacy apply to relationships and whether your partner might be the best investment you'll ever make. Check out Nicole's financial literacy course The Money School  Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Get Jon's latest book Team Intelligence  Here's what Nicole covers with Jon: 00:00 Are You Ready for Some Money Rehab?  01:47 Jon's Famous Dinners Explained  04:17 Why Money is a Mental Puzzle, Not a Math Problem  06:16 Why Sharing Goals Fails  07:56 From Housing Markets to Dating Markets 09:42 Is Your Partner the Most Important Financial Decision You'll Make?  15:09 Jon's Leap From Debt to Social Currency  33:37 Money Values in Marriage  38:01 Should You Quit the Zombie Job? 39:27 The Chicken/Egg Problem with Success  45:25 Do CEOs Need to Be Jerks to be Successful?  49:53 What Makes a Leader  58:12 How Self Deprecation Erodes Trust  01:06:57 Jon Levy's Tip You Can Take Straight to the Bank 

Four-year college isn't the default anymore…  but saving for your kid's future absolutely is. Today, Nicole breaks down the modern playbook for affording college whether your kid is a newborn, or if they're applying to colleges now. This is your simple guide to 529 plans, custodial accounts, Coverdells, prepaid tuition plans, and the newest government-backed savings option making headlines. If you've ever wondered, “What happens to a 529 plan if my kid doesn't go to college?” Nicole will teach you a smart move there, too. Check out Nicole's financial literacy course The Money School  Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Here's what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 01:11 Where To Start If You Have a Newborn 01:28 Everything You Need to Know About 529s 04:44 Where To Start If Your Kid Is in Grade School 05:42 The Pros and Cons of Custodial Accounts 08:17 Where to Start if Your Kid Is in High School 10:32 Tip You Can Take Straight to the Bank All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

Lucy Guo built one of the most talked-about AI companies in the world before most people finish college. Then, she made headlines when she dethroned Taylor Swift as the youngest self-made female billionaire. Today, she joins Nicole to talk about how she grew wealth, and how you can borrow the money lessons that only show up after you've already “made it.”  Lucy tells Nicole about growing up bullied for not being able to afford the cool brands, scrappy strategies she used to save money when she was building her first company, and navigating the strange attention of being labeled a billionaire while most of that wealth still isn't liquid. She explains the routines that kept her disciplined, the hard boundaries she set around lending money after getting burned, and stories of her wild money hacks like booking refundable flights to eat free meals in the airport lounges.  Nicole and Lucy also dive into the hidden playbook of startup money and the creator economy: how Lucy's fundraising secret is to manufacture FOMO, why the wealthy borrow instead of sell, and the monetization strategy all creators should adopt.  Check out Nicole's financial literacy course The Money School  Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Keep up with Lucy on Instagram and learn more about Passes Here's what Nicole covers with Lucy:00:00 Are You Ready for Some Money Rehab? 01:17 Lucy's Routine and the Impact of Success on Hustle 03:39 Childhood Bullying05:08 Lucy's Confidence Reset 08:20 Unpacking “Paper Wealth” and Liquidity 13:40 Should You Lend Money to Friends? 14:35 Lucy's Investing Thesis 18:34 FOMO Strategy in Fundraising 22:22 Billionaire Money Tips 25:03 The Robbery Attempt 27:38 Money Saving Hacks 33:43 Stigma Around “Work Hard, Play Hard” 37:24 Passes and the Creator Economy 53:45 Lucy Guo's Tip You Can Take Straight to the Bank

Today, Nicole breaks down the viral tax strategy everyone on social media is talking about — the claim that buying a short-term rental can legally wipe out your taxes. She explains the simple idea behind bonus depreciation, why it creates massive upfront write-offs, and how real estate investors use upgrades and accounting strategy to dramatically lower taxable income. But she also pulls back the curtain on the part influencers skip: why a $0 tax bill doesn't automatically mean you made money, how much cash you still need to spend, and the risks hiding behind the hype. The Money Rehab Episode About Whether Home Ownership is Overrated   Check out Nicole's financial literacy course The Money School  Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram 00:00 Are You Ready for Some Money Rehab?  00:53 Bonus Depreciation 101 03:10 What Changed with the  Big Beautiful Bill 03:38 What Qualifies (and What Doesn't) 04:22 Fact-Checking the Viral Airbnb Example  05:37 The Caveats 05:54 Cost Segregation Study Workaround 07:36 Don't Let the Tax Tail Wag the Dog'  09:10 Tip You Can Take Straight to the Bank

Neil Patel's origin story involves borrowing from his parents' life savings to keep his startup alive. Not only did his plan work, but he built a million-dollar company, advised companies including Amazon, Google, and Microsoft— and, he paid his parents back. Today, Neil breaks down the money lessons he learned once he made it big. He shares why he still drives a minivan despite being able to afford something bougie, the unusual way he teaches his kids about taxes, and the important distinction he makes between success and wealth. Then, Nicole and Neil get tactical and dig into the future of getting discovered online. Neil explains why traditional search is dead and how to adapt, what founders can do if they have a $0 marketing budget, and the SEO do's and don'ts of naming your business.  Check out Nicole's financial literacy course The Money School  Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Check out Answer the Public, the free tool Neil mentioned in this conversation Find more of Neil's work and resources here Here's what Nicole covers with Neil: 00:00 Are You Ready for Some Money Rehab? 01:09 Launching Crazy Egg and Borrowing From Parents 06:42 Next Ventures and Kissmetrics  09:43 Do's and Don'ts of Naming Businesses 15:31 NP Digital's Massive Success vs Personal Success 21:19 Neil's Perspective on Wealth, and the “Big R” Framework 29:32 Hot Takes on Money 30:07 Teaching Taxes Through Ice Cream 32:15 Living with Less and Financial Goals 38:45 Trust Funds and Regrets 42:09 Actionable Digital Marketing Advice for Business Owners 42:26 Choose Your Fighter: Email List, Website or Instagram? 44:59 Why Traditional Search is Dead 46:59 SEO vs AEO 55:29 Marketing Tips for a $0 Budget 01:00:49 Tip You Can Take Straight to the Bank

Millions of pages from the Epstein files have been unsealed, but they leave behind even more unanswered questions about how the money and criminal network actually worked. Today, Nicole traces the financial trail behind Jeffrey Epstein's fortune—what we know, what prosecutors could never fully explain, and how a man with no real business amassed hundreds of millions of dollars. Nicole breaks down Epstein's mysterious rise from Wall Street suit to shadowy “financial consultant,” the ultra-wealthy clients who funded the majority of his income, and the explosive reputational fallout that continues to ripple across corporations, universities, and global power players. She also sets straight the rumors that Epstein created Bitcoin, and explains the real financial consequences of association in today's markets. Check out Nicole's financial literacy course The Money School  Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Here's what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 00:18 The Epstein Files: A Who's Who of Power 00:58 Following Epstein's Money Trail 04:42 Financial Fallout of the Epstein Files 06:20 The Bitcoin Theory 07:28 Ongoing Legal Battles and Reputational Risks 09:22 The Power of Survivors All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

For some collectors, art is about beauty, meaning, and power. For others, it's a convenient place to clean dirty money. Today, Nicole breaks down the hidden financial playbook behind the global art market, and why some billionaires treat paintings less like décor and more like offshore bank accounts. From subjective valuations and private appraisals to tax-free warehouses, art-backed loans, and regulatory gray zones, this episode walks through the exact five-step system the ultra-wealthy can use to store, grow, and sometimes quietly clean massive amounts of cash. You'll hear how a $5 million painting can magically become a $20 million asset on paper, why some of the world's most valuable art never leaves storage, and how auction houses legally facilitate transactions that banks never could. Then Nicole pulls it back to real life — what this reveals about how wealth actually moves, why valuation is often narrative-driven, and how everyday investors can borrow the thinking without needing a Picasso or a private jet. Check out Nicole's financial literacy course The Money School  Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Here's what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 00:18 Art as an Investment 01:14 How the Wealthy Buy Art  02:18 Freeports and Tax Havens  03:20 Reappraisal and Inflating Art Value  04:46 Using Art as a Financial Tool  06:16 Money Laundering Through Art  07:16 Lessons for Everyday Investors  08:17 Investing in Art Without Millions  All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Your first $100,000 in investing feels impossible—until you see the math. Today, Nicole breaks down why the first $100K is the hardest money you'll ever make, what changes mathematically once you cross it, and the path to get there… without a hot stock tip, crypto bro, or dumb luck. Nicole walks through a real, doable five-year plan based on the average U.S. salary —including exactly how much to invest each month, where to put your money, and how the beautiful power of compound interest quietly accelerates behind the scenes.  Try Nicole's Compound Interest Calculator Check out Nicole's financial literacy course The Money School  Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Here's what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 00:18 Why Your First $100K Is the Hardest 02:53 Year-by-Year Investment Plan 03:05 Year 1: Building the Habit 04:00 Year 2: Gaining Momentum 04:33 Year 3: Growth Year 04:59 Year 4: Push Harder 05:37 Year 5: Reaching the Goal 06:00 Reality Check: Life Throws Curveballs 06:33 Passive Income 07:20 Your Next Steps and Resources All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

From Kim Kardashian, J.Lo, and Ariana Grande, Chris Appleton has styled the biggest names in Hollywood, but his journey getting there was not easy. Today, Chris opens up about the hustle it took to go from a small-town salon in the UK to red carpets, and the bumps in the road along the way. Chris shares the financial trauma, internal battles, and deep personal work it took to get to the top—and stay there. He gets vulnerable about the struggles behind the success: coming out after being in a heterosexual relationship, the breakthrough moment with Christina Aguilera that allowed him to beat his imposter syndrome, and why the word “fine” isn't in his vocabulary. Mental Health and Suicide Prevention Resources Find video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Check Out Chris' Book Your Roots Don't Define You Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Here's what Nicole talks about with Chris: 00:00 Money Rehab Presents: Chris Appleton 03:01 Childhood Struggles and Financial Trauma 06:53 Telling the Hater Inside to Quiet Down 10:54 Navigating a Scarcity Mindset 13:44 Chris' Erewhon Smoothie 16:27 Chris' Early Hustle Days and Evading Train Conductors  21:52 Moving to LA and Chris' Big Break with Christina Aguilera 26:07 Chris' Coming Out Story and Hitting Rock Bottom 32:05 Why “Fine” Isn't Fine 34:52 Why the Hair Salon Feels Like Therapy 38:01 How Chris Built His Reputation and How to Sell the Sizzle 41:46 Lessons from Kim Kardashian 44:42 Chris' Take on Marriage, Relationships and Self Love 45:01 The Importance of Self-Love and Selectivity 48:46 Chris' Tip Listeners Can Take Straight to the Bank

Is kindness an asset or a liability in business? Daniel Lubetsky—founder of Kind Snacks—makes a strong case for kindness as a competitive edge. He joins Nicole to share the behind-the-scenes story of buying out a private equity firm for $220 million to preserve his direction, the difference between being nice and being kind, and why values-driven leadership isn't just idealistic—it's strategic. Plus, how he's helping the next generation of founders build principled, profitable businesses through Camino Partners and Shark Tank. Keep up with Daniel on Instagram Learn more about Camino Partners Read Daniel's Op Ed

Today, Nicole rips the veil off one of the most costly mistakes you're probably making with your money—and no, it's not skipping some secret tax loophole. It's way more basic than that: leveraging how tax brackets work. And avoiding tax talk? It's bleeding your paycheck dry. Nicole breaks down how the system really messes with you if you're not paying attention, and how a few strategic (and totally legal) moves can stop the IRS from taking more than its fair share. Bottom line: this episode could be the difference between donating thousands to the government... or keeping it in your wallet.

Today, Jonathan Aguilera who we're calling the “Robinhood of life insurance”—pulls back the curtain on how certain life insurance policies, especially Indexed Universal Life (IUL), are often misunderstood, aggressively sold— or even predatory. Jonathan has gone viral for helping policyholders get refunds on problematic policies, and today, you get to be a fly on the wall during a live call with a policyholder and the insurer, as Nicole and Jonathan work to help this policyholder get back $100K.

Every New Year, the same tired money resolutions rear their heads: “Make a budget,” “Save more,” “Track spending.” While those tips aren't wrong, they're also not going to change your financial life unless they're backed by a strategy that actually works with your brain—not against it. In this episode, Nicole cuts through the noise and shares three New Year's money resolutions that are rooted in behavioral science, psychology, and real research on human behavior. These aren't just feel-good goals—they're practical, proven shifts that will help you create lasting financial change without relying on willpower alone.

Women report doing 64% of the domestic labor in their household and the 73% of the mental labor. Eve Rodsky, author of the book and movement Fair Play, has championed not only this research, but also strategies to level the playing field. Today, Nicole and Eve talk about how to make your relationship more fair— and the financial consequences if you don't. Click here to learn more about Eve's work, click here to find Fair Play resources.

Have you ever wondered how Warren Buffett came up with his investment strategy? Today, Nicole pulls back the curtain. In this episode, Nicole breaks down how the investing pros create their investing theses, how they stress-test their own ideas, and three famous real-world examples that paid off. Then, Nicole will explain how you can create your own strategy— and how to easily execute on it... today. Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time.

Today, Nicole unpacks one of her hottest personal finance takes: buying a house is not always an investment. Today, she breaks down the numbers to show when renting makes more sense than buying.

Today, Nicole breaks down all stock market lingo you need to decode investments —like market cap, and P/E ratio—and shows you how they actually work in real-life trading, using a deep dive into a real example of a stock that got... weird. You'll learn how to spot a stock's highs, lows, and everything in between… plus why relying on just one type of analysis (technical OR fundamental) is like trying to fly a plane with one wing. Check out Nicole's course The Money School and use promo code MONEYREHAB to secure the course for $99

Today Nicole sits down with celebrated journalist Daryn Kagan and her husband, Trent Swanson—though around here, we call him The Miles Husband. Daryn reflects on the highs of her career as a news anchor and what it felt like when CNN didn't renew her contract. She shares how she navigated that turning point, what it taught her about financial security, and how she redefined success. Daryn also gives her strategy for creating the role you want and shares a message for anyone still waiting on their dream career, relationship, or family. Then, Trent breaks down how a little curiosity about credit card points turned into a full-on travel hacking strategy that now has the couple flying around the world in luxury for next to nothing... and how you can, too! Listen to Daryn's episode Call Me Friend, and start with the episode where Daryn interviews Nicole Check out more from The Miles Husband

If you leave a job, you're probably focused on your next move, not tracking down that old 401(k). But those old 401(k)s are your money. And if you don't find them, manage them, or move them where they can grow smarter and harder for you, you're leaving cash on the table. Today, Nicole walks you through exactly how to track down a lost 401(k) and roll it over into a new retirement account — with all the details, step-by-step, so you don't make expensive mistakes. Rollover your old 401(k) and earn a 1% boost at public.com/moneyrehab If your old employer went out of business, check the National Registry of Unclaimed Retirement Benefits and the Department of Labor's Abandoned Plan Search Past Money Rehab episode on the difference between a Roth IRA and a Traditional IRA This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. As part of the IRA Match Program, Public Investing will fund a 1% match of: (a) all eligible IRA transfers and 401(k) rollovers made to a Public IRA; and (b) all eligible contributions made to a Public IRA up to the account's annual contribution limit. The matched funds must be kept in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. See full terms here.

Pattie Ehsaei's life may look picture-perfect now—she's a financial exec, lawyer, and author—but it's been shaped by unimaginable tragedy. Pattie grew up watching her mom depend entirely on her dad financially, a dynamic that turned toxic and ended in unimaginable tragedy. Later, Pattie found herself in a financially abusive relationship of her own, repeating painful patterns until she broke the cycle.  Today, she shares the lessons she's learned about love, money, and power—wisdom she's also laid out in her book, Never Date a Broke Dude. Nicole and Pattie talk about why who you choose as a partner is the biggest financial decision you'll ever make, how stay-at-home parents can protect their financial autonomy, and how to spot the money red flags that don't always look like red flags. And yes—they also get into why Pattie says you should never date a broke dude. Today's episode contains descriptions of intimate partner violence and suicide. Please take care while listening. If you or someone you know is in an abusive relationship, or is struggling with their mental health, here are some resources: Relationship Abuse Hotline: 800.799.SAFE National Suicide Prevention Hotline: 800-273-TALK (8255)

Immigration is dominating headlines—but not just for political reasons. Today, Nicole breaks down the economic side of immigration, and the Trump administration's strategy to monetize the American dream. From the new $100,000 fee for skilled foreign worker visas to the ultra-elite “Trump Gold Card” offering U.S. residency for $1 million, Nicole unpacks the numbers behind the policies. Could these controversial programs really generate $100 billion in revenue? Or are we pricing out the very talent and innovation that made America an economic powerhouse?

Heather Dubrow (Real Housewives of Orange County) is the real deal; she's built wealth, made mistakes, learned the hard way, and she's not afraid to talk about any of it. Today, Nicole and Heather dive into the Dubrows' recent real estate wins and failures, how she and her husband divide financial roles, and how they rebuilt trust after being scammed out of $2 million. Plus, because Heather is the most hilarious, Nicole gets Heather's hot takes on viral money stories. 

This episode gets personal. A new survey from U.S. Bank found that many Americans are making smart choices with their money, but many feel progress is elusive because the goals people care about (buying a home, retiring comfortably, building wealth), depend on economic forces beyond their control. Today, Nicole helps you learn the research-backed strategies to improve confidence and work towards your financial goals. To help unpack these strategies, Nicole is joined by U.S. Bank's Scott Ford, Head of Wealth Management at U.S. Bank, and Kate Phelan, California Regional Director of Strategic Wealth Planning and Advice. They cover how to prepare for buying a home, what to prioritize at different life stages, how to approach retirement in a world where it's getting longer and less predictable, and what small money wins you can start today to build real momentum. They also talk about how to prepare for disaster, and Nicole opens up about rebuilding her life and studio after losing her home in the LA fires. Whether you're rebuilding from life's curveballs or just trying to get your financial footing, this episode is packed with real-world advice and heart. Read about U.S. Bank's findings Learn how U.S. Bank can help you with your financial goals All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Try Activations with a free 14-day trial and exclusive discount at activations.com/moneyrehab. Today, Nicole talks to Mimi Bouchard. She has built a practical, science-backed system for rewiring your brain to create real change in your life. Mimi shares hacks for productivity and confidence, the neuroscience behind manifestation, and how a quick audio pep-talk helped her get out of her own way and build real wealth.

Nicole has long said that everyone— not just celebrities or billionaires—should have a prenup, and to make that case, she's joined by the GOAT of divorce law: Laura Wasser. Known for representing A-listers like Kim Kardashian, Johnny Depp, and Britney Spears, Laura brings more than just star power—she's a fierce advocate for smarter, healthier relationships built on clear communication, especially around money. In their conversation, Nicole and Laura dive into everything from crypto and pet custody to embryos and outrageous prenup clauses—yes, including rumors like the alleged “addiction clause” in Nicole Kidman and Keith Urban's agreement. Laura also shares some of the wildest prenup requests she's encountered and offers a refreshingly honest take on why asking for a prenup (or postnup) isn't divorce planning, it's marriage planning.

Nicole breaks down the latest moves from three of the biggest names in investing—Bill Ackman, Cathie Wood, and Warren Buffett—and reveals what you can actually learn from watching the pros. Copying their portfolios might sound like a shortcut to success, but it's not a cheat code—it's homework. Nicole shows how studying their strategies can help you spot market themes, understand investor psychology, and fine-tune your own approach. From Ackman's conviction bets to Cathie's innovation plays to Buffett's timeless discipline, you'll walk away knowing how to learn from the best… while making your own money moves. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Open to the Public Investing Inc, member FINRA & SIPC. Not investment advice. Availability of the Investment Plans tool on Public.com is not a recommendation or endorsement of the tool. Public.com does not provide investment, tax or legal advice. For additional disclosures about Investment Plans, go to public.com/disclosures.

If you only know Emma Hernan from Selling Sunset, buckle up—because that's just part of her story. Emma isn't just a reality TV star and luxury real estate agent; she's a self-made business powerhouse who started investing in her family company as a teen and went on to build a vertically integrated food empire from scratch. In this episode, Emma opens up what it's really like running a family business, and why she believes in being her own rich boyfriend. Of course, we talk Selling Sunset too—how the show's fame reshaped her life, the financial realities behind filming, and the drama that's about to explode this season. Bonus: if you're watching on Spotify or YouTube, you'll spot her adorable dog trying (and succeeding) to steal the spotlight.

Today, Nicole shares the biggest headlines on Wall Street and how they will affect you and your wallet. In this episode, she unpacks the good news on student loan forgiveness, OpenAI's new video tech and backlash, and how Amazon broke the internet— but not their stock price. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. As part of the IRA Match Program, Public Investing will fund a 1% match of: (a) all eligible IRA transfers and 401(k) rollovers made to a Public IRA; and (b) all eligible contributions made to a Public IRA up to the account's annual contribution limit. The matched funds must be kept in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. See full terms⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC.  *APY as of 6/30/25, offered by Public Investing, member FINRA/SIPC. Rate subject to change. See terms of IRA Match Program here: public.com/disclosures/ira-match.

Today, Nicole sits down with the woman Oprah crowned “the Queen of Brows,” Anastasia Soare—founder of Anastasia Beverly Hills. Anastasia's story is the definition of the American Dream: she grew up in communist Romania, came to the U.S. with $0, and built one of the most successful beauty brands in the world—now valued at a reported $3 billion. She shares how she negotiated her first business deals, what financial moves she made before betting on herself, and how she cultivated a celebrity client list that includes Kris Jenner, Jennifer Lopez, and Hailey Bieber. Plus, Nicole and Anastasia play a special round of Bullish or Bearish on today's hottest beauty trends. Buy her book, Raising Brows, out now!

Today, Nicole shares the biggest headlines on Wall Street and how they will affect you and your wallet. In this episode, she unpacks how the markets are reacting to the escalating tariff war, why some experts are back on recession watch and a cautionary tale of a missing $2 billion in the latest corporate scandal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. As part of the IRA Match Program, Public Investing will fund a 1% match of: (a) all eligible IRA transfers and 401(k) rollovers made to a Public IRA; and (b) all eligible contributions made to a Public IRA up to the account's annual contribution limit. The matched funds must be kept in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. See full terms⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC.  *APY as of 6/30/25, offered by Public Investing, member FINRA/SIPC. Rate subject to change. See terms of IRA Match Program here: public.com/disclosures/ira-match.

A recent study done by Credit Karma found that nearly one-third of Americans grapple with money dysmorphia— a state of distorted perception of one's financial health, caused by the relentless comparison with depictions of wealth online. Today, Nicole unpacks the biggest source of this condition and how we can cure it ourselves.

Originally aired on 10.29.21 For most of her childhood, Kate Somerville struggled with the tumultuous hand she was dealt. Then, in one moment, she received advice that turned her life around. Listen to hear that advice, and how it led to her starting her eponymous skincare brand.

Founders often talk about an acquisition as the ultimate business goal. But Gwen Whiting knows M&A isn't always the fairytale it's made out to be. Gwen cofounded The Laundress, grew it into a cleaning empire, and sold the company to Unilever for a reported $100 million. But then... the product recall happened. Gwen tells Nicole about the scrappy days of launching and scaling The Laundress without investor capital, and the cautionary tales from the Unilever deal. Gwen talks about how she's approaching her new venture The Fill differently— and why she's not building it to sell. Then, Gwen opens up about her experience as one of the survivors of sexual assault by Dr. Robert Hadden, and what talking with other survivors taught her the power of collective action. Learn more about The Fill Unilever's response to the product recall Gwen's piece about learning her OBGYN was a predator

Would you live with your ex to keep a 2% mortgage rate? That's the question Morgan Dickson and her ex-husband faced— and ultimately said yes. But for them, the decision wasn't just about dollars and cents. Keeping the home was the best decision for their kids—but the real estate market has become an unexpected character in their story. Today, Nicole sits down with Morgan , whose story recently went viral after being featured in The Wall Street Journal. Morgan talks about how the interest rate “lock-in effect" played a role in her and her ex's living arrangements, and how they manage expenses as a divorced couple cohabitating. Then, Nicole and Morgan dive into the economics of divorce, and what happens when personal and financial decisions become intertwined. All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC.  *APY as of 6/30/25, offered by Public Investing, member FINRA/SIPC. Rate subject to change. See terms of IRA Match Program here: public.com/disclosures/ira-match.

Today, Nicole shares the biggest headlines on Wall Street and how they will affect you and your wallet. In this episode, she unpacks the latest on the government shutdown, why Charlie Javice is going to prison and the economics of Taylor Swift's new album This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. As part of the IRA Match Program, Public Investing will fund a 1% match of: (a) all eligible IRA transfers and 401(k) rollovers made to a Public IRA; and (b) all eligible contributions made to a Public IRA up to the account's annual contribution limit. The matched funds must be kept in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. See full terms⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC.  *APY as of 6/30/25, offered by Public Investing, member FINRA/SIPC. Rate subject to change. See terms of IRA Match Program here: public.com/disclosures/ira-match.

Is renting really throwing money away? That is just one of the hot real estate topics Nicole gets into today with Paul Mark Morris— real estate expert and host of the podcast Radical Wealth Plan. Nicole and Paul talk about whether now is a good time to buy, Paul's three rules of real estate and whether 1031 exchanges are as cool as they seem on TikTok. Plus, Paul also gives a masterclass in the art and science of closing a sale. All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC.  *APY as of 6/30/25, offered by Public Investing, member FINRA/SIPC. Rate subject to change. See terms of IRA Match Program here: public.com/disclosures/ira-match.

With the rise and legalization of sports betting platforms, gambling has never been easier— and compulsive gambling has never had a lower barrier to entry. Today, Nicole talks to a Money Rehabber who has had many highs and devastating lows over a decades-long career of gambling. Today, he shares how he's building a healthier relationship with money, and they make a financial plan that helps him pave the way for a better financial future. If you or someone you know is struggling with a gambling problem, check out the recourses at the National Center for Problematic Gambling This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC.  *APY as of 6/30/25, offered by Public Investing, member FINRA/SIPC. Rate subject to change. See terms of IRA Match Program here: public.com/disclosures/ira-match.

Today, Nicole explains why the government shut down, how long it may last, and how your wallet will be affected. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC.  *APY as of 6/30/25, offered by Public Investing, member FINRA/SIPC. Rate subject to change. See terms of IRA Match Program here: public.com/disclosures/ira-match.

Do you have a problem that's bugging you? That might be the exact thing that puts you on the path to starting a business. This is what Nicole is talking about today with Lane Merrifield, one of the cofounders of the beloved children's game Club Penguin. Nicole and Lane talk about the most important considerations for anyone making products for kids— and, beyond that, advice for any entrepreneur solving a problem. Plus, Nicole and Lane deconstruct the "Shark Tank Effect" and tease apart when this phenomenon helps entrepreneurs... and when it doesn't. To meet Lane and get his expert insight on your business, book him on ⁠Intro.co⁠. This episode was recorded in 2024.

In the second part of their conversation, Nicole and Senator Warren talk about some of the most nuanced financial topics of the moment: How should the government balance democratization of wealth and regulation? And, where's the line between oversight and interference? Plus, Senator Warren shares her thoughts on the future of the Democratic party, and whether she'll run for President.