Oh My Dollar!

How the heck do you pick financial goals when 1 in 4 people are unemployed, there are murder hornets, police are battering people in the streets for having the audacity to say that black men shouldn't die at the hands of cops, and everything feels a little...well, stressful? When the world is on fire, how can you care about your 401K? AND HOW CAN YOU HELP!? All ad revenue and this week's patreon revenue will be donated to the TGI Justice Project, a black-led group of transgender, gender variant and intersex people—inside and outside of prisons, jails and detention centers—creating a united family in the struggle for survival and freedom. And remember: black lives matter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Three questions that didn't make the livestream this week: what to do with your $1,200 if your job is stable right now, can they take back your unemployment overpayment, and how to get your stimulus bill if you don't have a bank account. I answered a lot more questions on the livestream this weekend, you can watch or listen to the replay at youtube.com/anomalily and subscribe to be notified of the next one. If you have a question about your financial life, or if you just want to share what it is like in your part of the world, please email questions@ohmydollar.com or tweet me @anomalily. I’d also love to just hear just little audio updates about how you’re doing in the world. You can leave a voicemail in the US at (503) 877-4338 or you can email us a voice memo to questions@ohmydollar.com Over on the Oh My Dollar! forums we are meme-ing and supporting each other through all this. Check out the transcript and the full show notes at ohmydollar.com This episode was supported by our Purrsonal Finance Society members - help out for just $1 a month at http://ohmydollar.com/support Learn more about your ad choices. Visit megaphone.fm/adchoices

Freelancers and gig workers (and musicians and more) can file for unemployment now for the first time ever. And for the moment, it actually pays enough to pay your bills - possibly even more than your job did. If you have a question about your financial life, or if you just want to share what it is like in your part of the world, please email questions@ohmydollar.com or tweet me @anomalily. I’d also love to just hear just little audio updates about how you’re doing in the world. You can leave a voicemail in the US at (503) 877-4338 or you can email us a voice memo to questions@ohmydollar.com Over on the Oh My Dollar! forums we are meme-ing and supporting each other through the apocalypse. Check out the transcript and the full show notes at ohmydollar.com This episode was supported by our Purrsonal Finance Society members - help out for just $1 a month at http://ohmydollar.com/support Learn more about your ad choices. Visit megaphone.fm/adchoices

How do you get health insurance if you lost your job? Are we all really getting 1,200 extra free dollars from the government? what is the catch If you have a question about your financial life, or if you just want to share what it is like in your part of the world, please email questions@ohmydollar.com or tweet me @anomalily. I’d also love to just hear just little audio updates about how you’re doing in the world. You can leave a voicemail in the US at (503) 877-4338 or you can email us a voice memo to questions@ohmydollar.com Over on the Oh My Dollar! forums we are meme-ing and supporting each other through the apocalypse. Check out the transcript and the full show notes at ohmydollar.com This episode was supported by our Purrsonal Finance Society members - help out for just $1 a month at http://ohmydollar.com/support Learn more about your ad choices. Visit megaphone.fm/adchoices

This is episode touches on everything you need to know to get started meal planning. If you have a question for the Special Financial Chaos episodes coming out, or if you just want to share what it is like in your part of the world, please email questions@ohmydollar.com or tweet me @anomalily. I’d also love to just hear just little audio updates about how you’re doing in the world. You can leave a voicemail in the US at (503) 877-4338 or you can email us a voice memo to questions@ohmydollar.com Over on the Oh My Dollar! forums we are meme-ing and supporting each other through the apocalypse. Check out the transcript and the full show notes at ohmydollar.com This episode was supported by our Purrsonal Finance Society members - help out for just $1 a month at http://ohmydollar.com/support Learn more about your ad choices. Visit megaphone.fm/adchoices

Time is money! But many of us know exactly where our money goes, but have no idea where our time goes. Once you know where the time goes, you can make changes that will help you spend more time on the things you value and less where you don’t (just like budgeting). Over on the Oh My Dollar! forums, we're doing a fun time tracking challenge, March of Time this month. We brought on the expert of experts on Time Tracking, Laura Vanderkam, to talk about tracking your time.  The ⏰⏳ March of Time Tracking Challenge started already, but it isn't too late to join and get stickers and reap the benefits of time tracking. Check out the transcript and the full show notes at ohmydollar.com  This episode was supported by our Purrsonal Finance Society members - help out for just $1 a month at http://ohmydollar.com/support Learn more about your ad choices. Visit megaphone.fm/adchoices

We're off this week due to mysterious flu-like illnesses BUT never fear, we have cool OMD things coming up this week. Tomorrow (leap day, Saturday, February 29th) - we have a livestream at 5PM Pacific. Subscribe on youtube to anomalily to be notified when we go live (or watch afterwards). Check out the March of Time time tracking on the Oh My Dollar forums which starts March 1st! Learn more about your ad choices. Visit megaphone.fm/adchoices

We all know careers aren't the same as they once were. Nicolle Merrill joins us to discuss why job-hopping is actually an advantage, how to "network" when you're an introvert, and what the first thing people might ask you to do in different cities. Check out the transcript and the full show notes at ohmydollar.com and Nicolle's book here. Plus Check out our 20 in 2020 challenges on the OMD forums. This episode was supported by our Purrsonal Finance Society members - help out for just $1 a month at http://ohmydollar.com/support Learn more about your ad choices. Visit megaphone.fm/adchoices

Lillian is joined by Nina, who asks questions about taxes and we cover what you need to know about witholding, saver's credit, and more. Check out the transcript and the full show notes at ohmydollar.com Plus Check our 20 in 2020 challenges on the OMD forums. This episode was supported by our Purrsonal Finance Society members - help out for just $1 a month at http://ohmydollar.com/support Learn more about your ad choices. Visit megaphone.fm/adchoices

Lillian talks about how much you really need in your emergency funds in response to a listener question from Ken, and she tries to get Chase, our engineer, to stop spending all his money. Check out the transcript and the full show notes at ohmydollar.com Plus Check our 20 in 2020 challenges on the OMD forums. This episode was supported by our Purrsonal Finance Society members - help out for just $1 a month at http://ohmydollar.com/support . Learn more about your ad choices. Visit megaphone.fm/adchoices

Sometimes it's hard to stick to a budget. But that shouldn't make you feel ashamed. How to get over feelings of shame and deprivation when things are hard and your financial goals aren't working? Here's some money therapy. Check out the transcript and the full show notes at ohmydollar.com Plus Check our 20 in 2020 challenges on the OMD forums. This episode was supported by our Purrsonal Finance Society members - help out for just $1 a month at http://ohmydollar.com/support Learn more about your ad choices. Visit megaphone.fm/adchoices

What work benefits might you actually want to use and negotiate for? We asked the Oh My Dollar! community for the work benefits they actually used - and the ones that were just useless lip service. Check out the transcript and the full show notes at ohmydollar.com Plus Check our 20 in 2020 challenges on the OMD forums. This episode was supported by our Purrsonal Finance Society members- we are having a new member drive right now and all new members pledges are doubled- help out for just $1 a month at http://ohmydollar.com/support/  Learn more about your ad choices. Visit megaphone.fm/adchoices

What is worth paying someone else to do and what is a waste of money? I asked people what they outsource due to health, disability, time, quality, and more - and what they DIY themselves. Check out the transcript, and the full show notes at ohmydollar.com Plus Check our 20 in 2020 challenges on the OMD forums. This episode was supported by our Purrsonal Finance Society members- we are having a new member drive right now and all new members get doubled- help out for just $1 a month at http://ohmydollar.com/support/  Learn more about your ad choices. Visit megaphone.fm/adchoices

How do you know when to quit a project, a goal, or something similar? And how does a to-do-list role playing game teach you about financial goals? Check out the video, the transcript, and the full show notes at ohmydollar.com Plus Check our 20 in 2020 challenges on the OMD forums. This episode was supported by our Purrsonal Finance Society members- we are having a new member drive right now and all new members get doubled- help out for just $1 a month at http://ohmydollar.com/support/  Learn more about your ad choices. Visit megaphone.fm/adchoices

What's the real cost of choosing one path vs another? What happens when you could've bought a house instead of spending your money on scented candles and fancy rollerblades? What about when you choose to stay home rather than not going out? What about that useless college degree with student loans? Plus, find out a little about Lillian's job updates. Check out the transcript, and the full show notes at ohmydollar.com Plus Check our end of year challenge on the OMD forums. ///// This episode was supported by our Purrsonal Finance Society members, who make everything we do paws-ible. Learn how to join for $1 a month - and get your pledged doubled this month at http://ohmydollar.com/support/  Learn more about your ad choices. Visit megaphone.fm/adchoices

When you're an employee, you're also an employee with health needs. How do you balance both? We talk with Mac Prichard about how to bring up health care in the job process, and how to negotiate for sick leave without "outing" yourself. Plus, what your rights are for leave in the US and when it kicks in. Should you get COBRA? And more! Check out the video, the transcript, and the full show notes at ohmydollar.com Plus Check our end of year challenge on the OMD forums. This episode was supported by our Purrsonal Finance Society members, who make everything we do paws-ible. Learn how to join for $1 a month at http://ohmydollar.com/support/  Learn more about your ad choices. Visit megaphone.fm/adchoices

Untangling the difference between a co-pay vs co-insurance and which kind of health care plan is better. Plus, depressing health care headlines. This is the first ever OMD episode with a video version. Check out the video, the transcript, and the full show notes at ohmydollar.com  This episode was supported by our Purrsonal Finance Society members, who make everything we do paws-ible. Learn how to join for $1 a month at http://ohmydollar.com/support/  Learn more about your ad choices. Visit megaphone.fm/adchoices

It's health care month on OMD for the third time and we're kicking it off with Jean Chatzky and talk about why Health Savings Accounts are rad super special triple-tax free accounts. Check out our full show notes and transcript at ohmydollar.com, supported by our Purrsonal Finance Society Members, who you can learn about at ohmydollar.com/support/ Learn more about your ad choices. Visit megaphone.fm/adchoices

It's Will's final Oh My Dollar! episode and we talk about how much it cost for him to move cross-country - and also about our halloween themed budget challenge, Budgetober! Join budgetober at http://www.ohmydollar.com/budgetober/ Check out full show notes at ohmydollar.com  - no transcript this week since it is a breezy episode, but every other week our transcripts are provided by our patrons in the Purrsonal Finance Society (who make such a HUGE DIFFERENCE to this show).  This episode was underwritten by patron Tamsen G Association, Warrior Queen, and Chris Giddings.  You can always find me on the Oh My Dollar! forums. Learn more about your ad choices. Visit megaphone.fm/adchoices

California just passed legislation that will require gig economy companies like Uber, Lyft, and Amazon to classify workers instead of contractors. This is a big deal outside California, even outside the US. Check out our transcript and full shows note at ohmydollar.com  - transcripts are provided by our patrons in the Purrsonal Finance Society (who make such a HUGE DIFFERENCE to this show). This episode was underwritten by patron Tamsen G Association, Warrior Queen, and Chris Giddings.  You can always find me on the Oh My Dollar! forums and pre-order a copy of A Cat's Guide to Money - Lillian's book - now if you missed the kickstarter! (Plus new stickers and a planner!) Visit ohmydollar.com/book/  Learn more about your ad choices. Visit megaphone.fm/adchoices

A recession is coming, what should you do to be ready? Can you really prepare for a recession? Check out our transcript and full shows note at ohmydollar.com  - transcripts are provided by our patrons in the Purrsonal Finance Society (who make such a HUGE DIFFERENCE to this show). This episode was underwritten by patron Tamsen G Association, Warrior Queen, and Chris Giddings.  You can always find me on the Oh My Dollar! forums and pre-order a copy of A Cat's Guide to Money - Lillian's book - now if you missed the kickstarter! (Plus new stickers and a planner!) Visit ohmydollar.com/book/  Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey folks, we're off this week due to Lillian mostly losing her voice. Back next week at the usual time! Learn more about your ad choices. Visit megaphone.fm/adchoices

What are some tips for managing your personal finances as a college or university student? What do we wish we had known about money when we started out in school?  Check out our transcript and full show note at ohmydollar.com  - transcripts are provided by our patrons in the Purrsonal Finance Society (who make such a HUGE DIFFERENCE to this show). This episode was underwritten by patron Tamsen G Association, Warrior Queen, and Chris Giddings.  You can always find me on the Oh My Dollar! forums and pre-order a copy of A Cat's Guide to Money - Lillian's book - now if you missed the kickstarter! (Plus new stickers and a planner!) Visit ohmydollar.com/book/  Learn more about your ad choices. Visit megaphone.fm/adchoices

Splitting date expenses is hard, especially when you're queer.  How do you split rent when one person makes a lot more money? Plus, what who should get more in their retirement account? Check out our transcript and full show note at ohmydollar.com  - transcripts are provided by our patrons in the Purrsonal Finance Society (who make such a HUGE DIFFERENCE to this show). This episode was underwritten by patron Tamsen G Association, Warrior Queen, and Chris Giddings.  Question for this episode came from the Oh My Dollar! forums.   Remember, You can pre-order a copy of A Cat's Guide to Money - Lillian's book - now if you missed the kickstarter! (Plus new stickers and a planner!) Visit ohmydollar.com/book/ Shipping is $1 right now! Learn more about your ad choices. Visit megaphone.fm/adchoices

One of the biggest barriers to getting your money together can actually be other people - we talk about strategies for talking with your partner, roommate, or co-parent about money. Ask us a question! We love hearing from you! Email us your cat pictures or money-relationship questions at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar You can pre-order a copy of A Cat's Guide to Money - Lillian's book - now if you missed the kickstarter! (Plus new stickers and a planner!) Visit ohmydollar.com/book/ Lillian's youtube channel: http://www.youtube.com/anomalily/ Check out our transcript and full show notes The full transcript and show notes are provided by our patrons in the Purrsonal Finance Society (who make such a HUGE DIFFERENCE to this show). This episode was underwritten by patron Tamsen G Association, Warrior Queen, and Chris Giddings. Find the transcript and extensive show notes at ohmydollar.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Ohhhh the siren call of retail therapy. That “add to cart” button luring you in from the wild seas of despair. If you’re feeling down, feeling stressed, it can feel like buying things will solve your problems. Why do we do this? Why does it work? Ask us a question! We love hearing from you! Email us your cat pictures or your retail therapy shopping querstions at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar You can pre-order a copy of A Cat's Guide to Money - Lillian's book - now if you missed the kickstarter! (Plus new stickers and a planner!) Visit ohmydollar.com/book/ Check out our transcript and full show notes The full transcript and show notes are provided by our patrons in the Purrsonal Finance Society (who make such a HUGE DIFFERENCE to this show). This episode was underwritten by patron Tamsen G Association, Warrior Queen, and Chris Giddings. Find the transcript and extensive show notes at ohmydollar.com Learn more about your ad choices. Visit megaphone.fm/adchoices

If you don't have the minimum for an investment in Vanguard, how do you get started with a Roth IRA? And what the heck is a settlement fund? What is an ETF? We help to stop you from freaking out. Ask us a question! We love hearing from you! Email us your cat pictures or other successes from at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar Check out our transcript and full show notes The full transcript and show notes are provided by our patrons in the Purrsonal Finance Society. This episode was underwritten by patron Tamsen G Association, Warrior Queen, and Chris Giddings. Find the transcript and  extensive show notes at ohmydollar.com Learn more about your ad choices. Visit megaphone.fm/adchoices

You’re an adult now! Congrats. Now you owe everyone money!  Paying bills is part of adult life, unless you’ve manage to go completely off the grid.  Bills feel like one of those parts of adult life that are non-negotiable. You get asked to pay, you pay the amount listed. But actually in many ways there’s wiggle room if you’re willing to negotiate. So we have Tori from Her First $100K to talk about ways to negotiate bills you might not have thought about! About Tori Dunlap and Her First $100K Tori Dunlap is a millennial money and career expert. Her career started with landing a digital marketing contract worth tens of thousands, and a full-time position as the head of marketing and communications for a global security company — all before she turned 22. On track to save $100,000 by 25, Tori founded Her First $100K to give women actionable resources to reach their first six figures too. Find Tori online - Her First $100K https://www.herfirst100k.com/ - Her First $100K on instagram: https://www.instagram.com/herfirst100k/ Ask us a question! We love hearing from you! Email us your cat pictures or other financial thoughts at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar Check out our transcript and full show notes The full transcript and show notes are provided by our patrons in the Purrsonal Finance Society. This episode was underwritten by patron Tamsen G Association, Warrior Queen, and Chris Giddings. Find the transcript and show notes at ohmydollar.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The alphabet soup of the GLBTQIA+ community includes one letter many people don't know about - "I"  - which stands for "intersex", a term that refers to people that are born with a reproductive or sexual anatomy that doesn't fit the "typical" definitions of female or male. So, today, we've brought on Hans Lindahl, Communications Director at interAct, to talk about her own financial experience as an intersex person and  some of the things you might not know about the costs of your sex "not following directions well" (as Hans puts it.) Links from this show:interAct Hans on Youtube! (check out her series of intersex people talking to other intersex people!)Hans on twitter and her website Ask us a question! We love hearing from you! Email us your cat pictures or other financial thoughts at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar Check out our transcript and full show notes The full transcript and show notes are provided by our patrons in the Purrsonal Finance Society. This episode was underwritten by patron Tamsen G Association, Warrior Queen, and Chris Giddings. Find the transcript and show notes at ohmydollar.com Learn more about your ad choices. Visit megaphone.fm/adchoices

It's 4th of July (American Independence Day), so here's an episode about things that America does differently in personal finance.  America America - this is a place most of our listeners, according to our analytics, live. To celebrate independence day, I thought I would talk about some of the things that  the US does differently in personal finance, and some of the things they do that are the same. Ask us a question! We love hearing from you! Email us your bike photos or other financial thoughts at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar Check out our transcript and full show notes The full transcript and show notes are provided by our patrons in the Purrsonal Finance Society. This episode was underwritten by patron Tamsen G Association, Warrior Queen, and Chris Giddings. Find the transcript and show notes at ohmydollar.com  Learn more about your ad choices. Visit megaphone.fm/adchoices

Saving up that first emergency fund can be hard - especially if you don't make a lot of money, if murphy keeps knocking on your door and stealing from your savings, or if you have variable income. So we asked listeners to share their stories of how they saved their first emergency funds. Here are different methods: -The automatic sneaky savings method - including using an app - The shoebox under the bed method - The side hustle method - The tax refund method - Ramping down debt repayment while saving method We'll continue this discussion on the Oh My Dollar! forums! We don't bite, come join! Ask us a question! We love hearing from you! Email us your bike photos or other financial thoughts at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar Check out our transcript and full show notes The full transcript and show notes are provided by our patrons in the Purrsonal Finance Society. This episode was underwritten by patron Tamsen G Association, Warrior Queen, and Chris Giddings. Find the transcript and show notes at ohmydollar.com  Learn more about your ad choices. Visit megaphone.fm/adchoices

WTF is a 529? Should you use one for saving for education or is it easier to just have a savings account. Abby Chao from CollegeBacker walks us through what one is, how to set it up, and why it makes sense to use one for college savings. About Abby Chao Abby is a Co-Founder & COO ofCollegeBacker, an online service that makes saving for college simple, smart, social and most importantly accessible to everyone! CollegeBacker, has designed a service to help parents open a tax-advantaged 529 college savings plan with no minimum! Parents can then invite family and friends to contribute.Abby has helped thousands of families save and pay for college. Her modern, tech-forward approach helps the new generation of millennial parents use the right financial and social tools to save for college better, together. You can grab a $10 match at this link if you open a 529 account! http://www.collegebacker.com/OMD/ (not an affiliate link) Check out our transcript The full transcript and show notes are provided by our patrons in the Purrsonal Finance Society. Find it at ohmydollar.com  Learn more about your ad choices. Visit megaphone.fm/adchoices

It's pride month! And here at Oh My Dollar!, we're queer af, so we're here to talk all things under the rainbow. I thought in the midst of this historical pride month - the 50th anniversary of the Stonewall riot - we share the things that we still have to work on in the world of finance and money for GLBTQI+ folks. Reminder you have 3 days left to support Oh My Dollar!'s kickstarter. We're in our 2nd stretch goal and every dollar now goes to expanding our financial literacy programming with GLBTQ+ youth experiencing homelessness - plus you get cool goodies like special stickers and planners, and a book! Find out more at ohmydollar.com/cats/ The full transcript for this show is provided by our patrons in the Purrsonal Finance Society. Find it at ohmydollar.com  Learn more about your ad choices. Visit megaphone.fm/adchoices

You "should" do this [unpleasant money thing.] Sound familiar? I know many of you admit to financial procrastination, but often perfectionism is a the root of procrastination. Sometimes it's things like overgeneralizing, all-or-nothing thinking, mental filter (harder on yourself than others), should statements. We're Crowdfunding a Book and Need Your Help You can find out about our campaign for the reprint of my cat-filled purrsonal finance book "A Cat's Guide to Money" at - ohmydollar.com/cats And if it doesn’t make sense for you, that is 100% fine.  But if you're able to share it on social media, that goes a LONG way towards helping us out. Shares mean a lot in these campaigns! We have 10 days left to hit our stretch goal of $10,000, and we're less than $400 away! Notes Remember that money is a process, not just a thing you win once and put on your shelf. You can do things incrementally with money. It’s okay to not be perfect. It’s okay to have an off budget week or month or even year. It’s okay to backslide on your debt payoff or savings goals because you had a breakup, got sick, or just stopped focusing on it for a little bit. It’s more important to sit, reassess, and come up with a new plan. Inspired by this episode about Perfectionism on the Hannahlyze This podcast. Ask us a question! We love hearing from you! Email us your financial worries or your own procrastination or cat pictures at questions@ohmydollar.com or tweet us at @anomalily or @ohmydollar All the numbers and stories on this show came from the Oh My Dollar! forums, a friendly, nonjudgemental online community about money. Don't be afraid, come join us on the forums! This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show. View this transcript here at ohmydollar.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Some hobbies are pricey, some hobbies actually save you money. The OMD community tunes in to share how much their hobbies cost them. Plus, Lillian shares the costs from her new figure skating hobby. We talk about these things:The costs of brewing beer and if it saves you moneyThe marginal cost of hobbies ($3 per use or not)Limiting the cost of "Trying new hobbies" as a hobby - and how to avoid spending all the money on itWhat Will considers a "hobby" vs "not a hobby" Having kids in expensive hobbiesPlaying Tennis and Golf (I always wondered what these "rich" hobbies cost")The cost of martial artsHow much figure skating costs We're Crowdfunding a Book and Need Your Help You can find out about our campaign for the reprint of my cat-filled purrsonal finance book "A Cat's Guide to Money" at - ohmydollar.com/cats And if it doesn’t make sense for you, that is 100% fine.  But if you're able to share it on social media, that goes a LONG way towards helping us out. Shares mean a lot in these campaigns! Ask us a question! We love hearing from you! Email us your financial worries or how you've tackled risk or cat pictures at questions@ohmydollar.com or tweet us at @anomalily or @ohmydollar All the numbers and stories on this show came from the Oh My Dollar! forums, a friendly, nonjudgemental online community about money. Don't be afraid, come join us on the forums! This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show. View this transcript here at ohmydollar.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Big announcement! Oh My Dollar’s cat-filled purrsonal finance book, A Cat's Guide to Money, is going into the second printing, and we need your help to make that possible. But don’t worry, this episode isn’t just going to be about the book - it’s also about why I chose to go the crowdfunding route again, and what that has to do with risk and money. We talk about these things: The definition of risk and how our risk tolerance variesThe Myth of effortless success: "We believe people shouldn’t see the effort you put into success"The definition of entrepreneurial risk (and how the founders of airbnb funded their business off a flip book of credit cards and cereal with Obama's face)Believing if we ask for help, it discounts the workWholesaler financing and "factoring" and how that worksIf you should take investors as a small businessWhy I chose to go back to Kickstarter again Please Share the Campaign If You Can You can find out more about it the campaign at ohmydollar.com/cats And if it doesn’t make sense for you, that is 100% fine.  But if you're able to share it on social media, that goes a LONG way towards helping us out. Shares mean a lot in these campaigns! Ask us a question! We love hearing from you! Email us your financial worries or how you've tackled risk or cat pictures at questions@ohmydollar.com or tweet us at @anomalily or @ohmydollar This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show. View this transcript here at ohmydollar.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Figuring out car insurance can be an absolute hair-pulling nightmare. What is comp & collision? What does 50/100/50 mean? Do red cars really pay more? Guest Andrew Rose of Compare.com helps us make sense of it. We answer these questions: Collision vs. comprehensive: what’s the difference? How do you know which one you need?How can you tell if a car insurance company is "too good to be true"I know men generally pay more - and I know that economists generally pay less.  What are some sneaky factors that affect your rates when it comes to car insurance?What are the 5 key things that car insurance base your rates on?Do red cars really pay more? A big Announcement is Coming Next week! Be in the know, and sign up for our very-rare mailing list  to find out the BIG NEWS when we announce next week. Sign up here: http://www.ohmydollar.com/announcements Ask us a question! We love hearing from you! Email us your financial worries or receipt victories at questions@ohmydollar.com or tweet us at @anomalily or @ohmydollar This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show. View this transcript here at ohmydollar.com Other Episodes You Might Find interesting Is $3,000 on an e-bike worth it? - in case you're paying too much for your car ;) Planning for Known Unknowns - save up for that deductible Learn more about your ad choices. Visit megaphone.fm/adchoices

For our 100th Episode, we turned the mic on our listeners and asked: If I handed you $100 and you had to use it in the next 24 hours in a way it would have the biggest impact on your life, what would you do with it? Thank you so much to everyone who listens, everyone who has *ever* submitted a question to the show, our amazing forum community, our 75 wonderful monthly supporters on Patreon that make so much of this possible, and all 8 stations, especially our mothership XRAY.FM, that carry the Oh My Dollar! show. Here's to 100 more episodes. Much of this conversation came from the rad folks at our forum! Join us at forum.ohmydollar.com is a great non-judgemental place to ask questions or participate in our daily check-ins, personal financial journals, and challenges. Check out the thread with even more ideas of what to do with $100 over on the forum. Ask us a question! We love hearing from you! Email us your splurges or other financial thoughts at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show, including this one, on ohmydollar.com.   This episode was underwritten by patron Tamsen G Association and Chris Giddings. To learn more about being part of the Purrsonal Finance Society and get cool perks like exclusive livestreams and cat stickers, you can visit ohmydollar.com/support Other Episodes You Might Find interestingCurbing Impulse Purchases + Regrettable Spending Money When Depressed How much should you budget for clothing? Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you thinking about taking the plunge into the world of e-bikes or cargo bikes? At $1,000 – $5,000, it can be hard to justify the expense. We hear from people about their own choice to get an ebike and why the expense made sense for them, and share some tips on figuring out if it’s right for you. Thank you SO MUCH to the over 100  people who submitted their stories about getting an e-bike on the Oh My Dollar! forums and the PDX Cargo Bike Gang page. I couldn't use all the amazing stories and keep this show a reasonable length! Links Mentioned in the Show: - My longtail bike, Persephone, an xtracycle conversion, carrying a folding bicycle - What a Longtail bicycle looks like carrying a kayak! - AAA's "Cost to Own and Operate a Car" Below is a non-comprehensive list of the many, many bike models mentioned in the show. Non-Cargo E-bikes: - Blix Vika+  - a folding ebike - AM1 Ebike - Genze.com - Bilenky Viewpoint (semi-recumbent with e-assist added) - Faraday Box Bikes (aka Bakfiets): - E-Bullitt - Packster 80 Longtail Bikes: - Surly Big Dummy - Xtracycle - Madsen Cycles - Bike Friday Haul-a-Day (folding) - Radwagon We'll continue this discussion on the Oh My Dollar! forums! We'd love to help you decide which bike to get (or not get) on this thread. We don't bite, come join! Ask us a question! We love hearing from you! Email us your bike photos or other financial thoughts at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show, including this one, on ohmydollar.com. This episode was underwritten by patron Tamsen G Association, To learn more about being part of the Purrsonal Finance Society and get cool perks like exclusive livestreams and cat stickers, you can visit ohmydollar.com/support Learn more about your ad choices. Visit megaphone.fm/adchoices

How do you choose which things to spend more more money on - and what things can you cheap out on? Listeners write in with their best consumer investments and how these splurges improve their lives. People splurge on cooking equipment, knives, shoes, bras, and gym memberships. Please come join us Much of this conversation came from the rad folks at our forum! Join us at forum.ohmydollar.com is a great non-judgemental place to ask questions or participate in our daily check-ins, personal financial journals, and challenges. Ask us a question! We love hearing from you! Email us your splurges or other financial thoughts at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show, including this one, on ohmydollar.com.   This episode was underwritten by patron Tamsen G Association and Chris Giddings. To learn more about being part of the Purrsonal Finance Society and get cool perks like exclusive livestreams and cat stickers, you can visit ohmydollar.com/support Other Episodes You Might Find interestingCurbing Impulse Purchases + Regrettable Spending Money When Depressed How much should you budget for clothing? Learn more about your ad choices. Visit megaphone.fm/adchoices

If you haven’t been following - and who can blame you - the law is an absolute mess -  the Affordable Care Act, the law that provides health care coverage and protections for millions of Americans, was invalidated by a judge in Texas late last year. But this month, the Justice Department said they now have the position that the entire law should be scrapped. This is a big deal. This could affect, at a minimum, 21 million Americans. So what does this mean for you, if you're an American? This could mean the end of:Coverage for preventive servicesProvisions that eliminate denying coverage to people with pre-existing conditionsThe federal subsidies that help cover the cost of insurance for those that can’t afford it but fall above the poverty line (“marketplace subsidies”)Medicaid (low-income health care) expansion that covers 12 million Americans below 150% of the poverty lineHealth care coverage for children whose families are above the federal poverty line but still cannot afford or find coverage through the Children’s Health Insurance ProgramAccess to opioid addiction treatment for low-income AmericansAbility to cover your adult child up til the age of 26 on your health insuranceAnd so much more!  Ask us a question! We love hearing from you! Email us your questions or successes at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar or join at our forum - at forum.ohmydollar.com This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show on ohmydollar.com. This episode was underwritten by patron Tamsen G Association and Warrior Queen. To learn more about being part of the Purrsonal Finance Society and get cool perks like exclusive livestreams and cat stickers, you can visit ohmydollar.com/support Full Transcript & In-depth show notes provided by our Patrons at ohmydollar.com Learn more about your ad choices. Visit megaphone.fm/adchoices

This is rebroadcast of an episode from our archives. Back to new episodes next week!  The episode originally aired on February 13, 2017. Lillian answers all the questions you’ve been too scared to ask about investing for retirement. This guide is especially meant to help if you if want to get started investing in your 20's or 30's, but is applicable to anyone looking to get started who is a US resident. In this episode we cover 401ks & IRAs, explains how you choose what to invest, and what you should avoid. We answer these questions: - What is an IRA and why do I feel like everyone tells me I should have one? - Should I get a match on my 401K at work? - What if I don't really want to invest in bad corporations but don't want to eat cat food for the rest of my life? - How late is too late to get started? - Do I need to save up before I start investing? Within 30 minutes, you’ll be ready to click the “buy” button on your portfolio. Brokers for setting up your first IRA (no endorsement or affiliate links)  -Vanguard.com (low-expenses IRAs) - Fidelity.com - Betterment - TD Ameritrade Links Mentioned in the ShowThe Stock Series by J L Collins (a more in-depth, but entertaining, series of blog posts covering index investing theory) Ask us a question! We love hearing from you! Email us your questions or successes at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show on ohmydollar.com. This episode was underwritten by patron Tamsen G Association and Warrior Queen. To learn more about being part of the Purrsonal Finance Society and get cool perks like exclusive livestreams and cat stickers, you can visit ohmydollar.com/support Full Transcript & In-depth show notes provided by our Patrons at ohmydollar.com     Learn more about your ad choices. Visit megaphone.fm/adchoices

Alright, so you got a tax refund. Or some other fun chunk of money. How should you use it? Save, splurge, or...? Maybe cash it into twenty dollar bills and fill your bathtub with it and flop around like the rich magical being you are? Here's our ideas, ranging from creative to not: Pay off debtSave your one-month buffer or emergency fundStock up and freeze fancy cheese so you're never out of fancy cheeseFill in your sinking funds or known unknown categoriesSave for retirementBuild out your stupid mistakes categoryPay next year or next quarter's taxes earlyBudget for something fun - like a trip or a splurgeCreate an impulse buy category (I made a Scott's Cheap Flights splurge category) Links and Episodes mentioned Scott's Cheap Flights - the most dangerous newsletterThe Government Will Pay You to Save For RetirementPreparing for Known UnknownsWhat Money Goals Should You Focus on? Complete Guide to Quarterly Taxes Please come join us We finally have a forum! Join us at forum.ohmydollar.com is a great non-judgemental place to ask questions or participate in our daily check-ins and challenges. It's really quite fun.  This show is made paw-sible by listeners like you through our Purr-sonal Finance Society over on patreon   - visit ohmydollar.com to read this week's transcript! Learn more about your ad choices. Visit megaphone.fm/adchoices

There's so many options out there for small business retirement plans for employers! How do you choose one you can afford and that won't cause headaches to administer? Marcel wrote in: I’m a small business owner, who has recently expanded to have 8 employees. We’re doing well as a business, and I’d like to encourage my employees to save for retirement. What are my options? Almost all these plans will require you to make any eligible employee able to use it, which means you can't set up one just for yourself as the business owner without also providing something to your eligible employees. You have the ability to set eligibility standards, but all accounts have a minimum requirement for employee eligibility (such as if they've worked there for 1000 hours a year, for at least a year, they have to have access to the account.) This is important to bare in mind if you are making employer contributions but have part-time or seasonal employees. Your options as an employer - Simple IRA: A relatively simple to administer retirement account that requires employer contributions of at least 2%  of the employee's salary, even if the employees don't contribute anything. There are no IRS filing requirements for the employer but you can only offer this plan. The annual contribution limit is $13,000 for employees under 50. - SEP: A SEP (Simplified Employee Pension) IRA  A traditional IRA for self-employed people or small business owners. It has more recordkeeping requirements A small business owner with one employee or more, or anyone with a freelance income can open a SEP IRA. These are advantageous for owners because the contribution limits are high, but no employees can contribute to this plan for themselves - it's just employer contributions.  Individual employees who are eligible to participate in their employer's SEP plan must open individual Traditional IRAs to which their employers will deposit SEP contributions. -401k/403B This is the "traditional" retirement plan, and it has the headaches meant for a large employer to administer it as far as recordkeeping requirements. It has the highest limits for non-owner employees, $18.500 per year for employees under 50. -Allowing employees to contribute to a Roth or Traditional IRA through automatic deduction  This has no cost to you, just a little more work during payroll. Unless the Traditional IRA is set up as a SEP, you cannot contribute as an employer to these plans. Ask us a question! We love hearing from you! Email us your questions or successes at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show on ohmydollar.com. This episode was underwritten by patron Tamsen G Association and Warrior Queen. To learn more about being part of the Purrsonal Finance Society and get cool perks like exclusive livestreams and cat stickers, you can visit ohmydollar.com/support Full Transcript & In-depth show notes provided by our Patrons at ohmydollar.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Lillian travels to 2-13 countries a year, and mostly flies and stays in hotels for free or cheap - through credit card travel hacking. She walks you through how to do it as a hobby- and why you might not want to. There are no referral links in this post, because I don't want you to think I'm doing this for the points. I do a lot of things for the points, but getting my audience into my weird hobby is not one of those things! Steps to adventuring on travel hacking through credit cards as a hobbyIf you are in credit card debt, stop and do not pass go. Focus on paying off your credit card debt, as this is a hobby that will cost you money, not earn you perks, if you can't pay off your balance every month.Make sure you have a credit score above ~720 or so. You can find out by getting your free score from Discover (without a discover card) or getting your "FAKO" score from creditkarma.com.If you have a new credit file or score below 720, the best starter cards are usually the Chase Freedom and the Discover It. If you use them responsibly for about 8 months to a year you will build up a credit file. If you are a student there's also a Discover It Student and Capital One student card if you’re a student.Know how much you spend in a month on credit card spendable expenses. You need to hit this for minimum spend. This could be high if you get reimbursed for work expenses or could be low. Generally you need about $1,000 of expenses a month for most cards at a minimum, but there's a few ways around it but you may have to pay a small fee.Set up accounts with all the majors airline rewards perks - even if you don't think you'll use them. For keeping track of your different accounts, use a password management software (I use 1password). Even if you never are going to stay at a Hilton, for example, you still want an HHonors account. [visit the full post on Ohmydollar.com for more since I can't fit it all in here]Links mentionedMy Full Budget from my 13-country trip, including the travel hackingCurrent credit card offers google spreadsheetReddit.com/r/churning/ - The best place to ask newbie questions, it's less scary than other parts of reddit, I swear!For more advanced folks, https://www.flyertalk.com/ has a forum that's a great place to go but it's not very newbie friendly Please come join us We finally have a forum! Join us at forum.ohmydollar.com is a great non-judgemental place to ask questions or participate in our daily check-ins and challenges. It's really quite fun.  This show is made paw-sible by listeners like you  - visit ohmydollar.com to read the latest transcript! Learn more about your ad choices. Visit megaphone.fm/adchoices

Clothing - it can be a luxury item but it's also a necessity, if you live in polite society. How much should you spend on clothing in a year? How do you balance your budget with your values if you don't want to buy fast fashion items? Do you need to buy high-end sustainable fashion?  Do you have to thrift everything? How do you calculate cost-per-wear? How long are socks really supposed to last? Lillian (4'11") and Will (6'5") talk about the differences in budgeting for clothing based on your height, your job, and your climate, and include some quotes from listeners about their own clothing budgets.  The "rule of thumb" is 5% of your take home pay - but how does that map out? Is that realistic? Links mentioned Lillian's spreadsheet of her entire wardrobe + fun graphs on Racked.comA 1940's wardrobe plan + budget from glamourdazeA 1946 wardrobe budget plan from Seventeen MagazineStylebook App, which calculates cost-per-wear for your closetCollette Pattern's Wardrobe Architect blog post seriesThis is just a very cute youtube video by two of my fav youtubers where they kon-mari'd their extensive wardrobe - hey it's my podcast, I can include cute links if I wantHow to Organize a Clothing SwapThe Luxe StrategistPlease come join us We finally have a forum! Join us at forum.ohmydollar.com is a great non-judgemental place to ask questions or participate in our daily check-ins and challenges. We've only been open for three weeks but we're going strong with lots of fun discussions. Please join! Ask us a question! We love hearing from you! Email us your clothing budgets or other financial thoughts at questions@ohmydollar.com or tweet us at  @anomalily or @ohmydollar This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show on ohmydollar.com. This episode was underwritten by patron Tamsen G Association and Chris Giddings. To learn more about being part of the Purrsonal Finance Society and get cool perks like exclusive livestreams and cat stickers, you can visit ohmydollar.com/support Other Episodes You Might Find interestingCurbing Impulse Purchases + Regrettable Spending Debt-Free and Queer ft David Auten and John Schnieder Money When Depressed What if your life decisions were made by the stock market? ft. KmikeyM Learn more about your ad choices. Visit megaphone.fm/adchoices

Balancing your checkbook-  is that an adulting skill you should have? What exactly is a checkbook? Do you still need to do this? What is the digital equivalent? We answer your hot questions about checkbook balancing, how to do it, and whether or not it matters. Lillian goes also on a bit of a rant about how antiquated the US financial system is. In our mailbag are two listener questions: Tomas shares his debt payoff victories, and Don tells us how his wife negotiated to be moved to a W-2 employee from a 1099 contractor as a nanny. Don asks how a nanny can get a retirement account and a transit benefit. Thank you to our two listeners, Tomas and Don, who wrote in to share their stories! Links mentioned: An old school guide to balancing your checkbook (PDF link)YNAB or You Need a Budget, Lillian's fav personal finance budgeting (+ reconciling) toolBitches Get Riches "How do you write and cash checks? Asking for a friend"The IRS guide for Caregiver + Nanny BenefitsPlease come join us We finally have a forum! Join us at forum.ohmydollar.com is a great non-judgemental place to ask questions or participate in our daily check-ins and challenges. We've only been open for two weeks but we're going strong with lots of fun discussions. Please join! Ask us a question! We love hearing from you! Email us your financial worries or receipt victories at questions@ohmydollar.com or tweet us at @anomalily or @ohmydollar This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show on ohmydollar.com. This episode was underwritten by patron Tamsen G Association and Stephanie Powers. To learn more about being part of the Purrsonal Finance Society and get cool perks like exclusive livestreams and cat stickers, you can visit ohmydollar.com/support We have full clickable transcripts available online for each episode at  ohmydollar.com . provided by our amazing Patreon backers. An Easy Way to Help Our iTunes review drive is going on right now! It takes less than 10 seconds to click a star, it’s totally free, can you help us out? Click here to leave a review: https://itunes.apple.com/us/podcast/oh-my-dollar/id1189980636?mt=2 Other Episodes You Might Find interesting Sticking to your budget despite peer pressure + the secret to saving moneyNew Year's Resolution: Pay Less TaxWhat kind of employee are you? 1099 or W2? Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you tired of eating and drinking your money away? Lillian and Will (plus some helpful listeners) share their tips for spending less at restaurants and bars. Some strategies include: Involve your friends or co-workers in a "no eating out" challenge Start a lunch packing clubIdentify your big "triggers" for eating out and plan around themFind fun things to do that aren't bars or restaurants - invite friends over!Have your "I'm depressed/busy/unmotivated" meals ready in the fridge so postmates isn't a temptationDon't get beverages along with your mealAvoid getting a large latte or adding other things to your coffee drinks (from Will, our resident barista) Links mentioned: Lillian's monthly expenses reports and 2019 budgetPlease come join us We finally have a forum! Join us at forum.ohmydollar.com  is a great non-judgemental place to ask questions about taxes or what's "normal" in a budget category, have open conversations about money, or document. We've only been open for a week but we're going strong with 100 members. Please join! Ask us a question! We love hearing from you! Email us your financial worries or receipt victories at questions@ohmydollar.com or tweet us at @anomalily or @ohmydollar An Easy Way to Help Our iTunes review drive is going on right now! It takes less than 10 seconds to click a star, it’s totally free, can you help us out? Click here to leave a review: https://itunes.apple.com/us/podcast/oh-my-dollar/id1189980636?mt=2 This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show on ohmydollar.com. This episode was underwritten by patron Tamsen G Association and Chris Giddings. To learn more about being part of the Purrsonal Finance Society and get cool perks like exclusive livestreams and cat stickers, you can visit ohmydollar.com/support Other Episodes You Might Find interesting Sticking to your budget despite peer pressure + the secret to saving moneyHow to Make Financial Decisions without OveranalyzingCredit Hacks + Lillian’s Booze Spending ReportWe have full clickable transcripts available online for each episode at ohmydollar.comprovided by our amazing Patreon backers. Learn more about your ad choices. Visit megaphone.fm/adchoices

Something we always say on this show is that money is highly personal. Well, one thing I’ve learned is there’s no specific “accomplishment” moment for when you are in control of your money. For some people it’s being able to buy whatever kind of cheese they want at the grocery store, for others it's the feeling of not worrying about the next paycheck. Today is the first episode of our new regular listener stories series, with The Billfold editor Nicole Dieker, where we feature listener's creative reflections on different financial topics. Our Next Topic The next prompt for our listener stories series is "Ramen" - do what that with you will. If you have stories to submit, send them in to stories@ohmydollar.com or tweet them 240-characters at a time to @ohmydollar. About The Billfold The Billfold is one of our favorite personal finance websites creating an honest conversation about money, with one of the most active commenter communities on the internet. About Nicole Dieker Nicole is the editor of The Billfold, and has also written for The Write Life, Lifehacker, Bankrate, and numerous other sites. She teaches writing, freelancing, and publishing classes (including online classes), and work one-on-one with authors as a developmental editor and copyeditor. Ask us a question! We love hearing from you! Email us your financial worries or receipt victories at questions@ohmydollar.com or tweet us at @anomalily or @ohmydollar This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show on ohmydollar.comThis episode was underwritten by patron Tamsen G Association and Warrior Queen. To learn more about being part of the Purrsonal Finance Society and get cool perks like exclusive livestreams and cat stickers, you can visit ohmydollar.com/support Stories Featured - The First (and Second, and Third) Time I Felt in Control of My Money on The Billfold - How Two Budgeting Choices Gave Me Control Over My Money on The Billfold Other Episodes You Might Find interesting - Meal Planning (the secret weapon) ft. Nicole Dieker - What if your life decisions were made by the stock market? ft. KmikeyM - Creativity vs. Financial Security Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you have a profitable side hustle? Are you entirely self-employed? Do you send invoices to get paid rather than than get a paycheck with tax deductions taken out?  It’s entirely possible you should be paying quarterly estimated taxes then. Paying quarterly estimated taxes can be annoyingly scary - not only are you like “WHY ARE YOU TAKING MY MONEY, GOVERNMENT?” you are responsible for keeping track of how much you get paid. The government website isn’t super fun.  The IRS likes to believe they make it easy, but really they don’t. So today we break down how it works. Where to Go! - This not-so-handy form called IRS Form 1040-ES which will help you estimate your marginal tax rate - You can pay your taxes and automatically on the IRS’s website using “direct pay” or you can set up an account on the Electronic Federal Tax Payment System  Deadlines for Quarterly TaxesFor income received Jan. 1 through March 31, estimated tax is due April 15.For income received April 1 through May 31, estimated tax is due June 15.For income received June 1 through Aug. 31, estimated tax is due Sept. 15.And for income received Sept. 1 through Dec. 31, estimated tax is due Jan. 15. Ask us a question! We love hearing from you! Email us your financial worries or receipt victories at questions@ohmydollar.com or tweet us at @anomalily or @ohmydollar An Easy Way to Help Our iTunes review drive is going on right now! It takes less than 10 seconds to click a star, it’s totally free, can you help us out? Click here to leave a review: https://itunes.apple.com/us/podcast/oh-my-dollar/id1189980636?mt=2 This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show on ohmydollar.com This episode was underwritten by patron Tamsen G Association and Warrior Queen. To learn more about being part of the Purrsonal Finance Society and get cool perks like exclusive livestreams and cat stickers, you can visit ohmydollar.com/support Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s the time of year where I just get MAD at one thing in my life: receipts. They just suck - they're crinkly, they pile up, but theoretically you need to save them for tax purposes for 7 years. And theoretically “scan receipts” is a thing you can do, but what if you just end up with pictures of hundreds of receipts on your phone? So I used EVERY SINGLE receipt scanning app to find out which one is best for you. Enjoy. Things we discuss on this show - When you need to save receipts and when you can throw them away- The quick hack you can use on your email to create filters for digital receipts- How to use your email for paper receipt scanning- And all the apps: Evernote, Freshbooks, Waves Receipts Scanner, Shoeboxed, and Expensify Ask us a question! We love hearing from you! Email us your financial worries or receipt victories at questions@ohmydollar.com or tweet us at @anomalily or @ohmydollar This show is made paw-sible by listeners like you We absolutely love our Purrsonal Finance Society Members who generously support Oh My Dollar with $1 or more a month on Patreon – This episode was underwritten by patron Tamsen G Association and Stephanie Powers. To learn more, you can visit ohmydollar.com/support Other Episodes You Might Like - What money goals should you focus on? - How to Conference Travel on the Cheap - How to quit your job and be freelance (Listener Questions) - What kind of employee are you? 1099 or W2? Learn more about your ad choices. Visit megaphone.fm/adchoices