Podcasts about financial coach

Employment attorney Ryan Stygar joins Nicole to hand us the playbook our employers hope they never find. He breaks down what "at-will employment" actually means and the exact moves to make the moment you get that dreaded out-of-nowhere email from HR. He also reveals everything that's negotiable in a severance package: the cash amount, COBRA coverage, equity vesting schedules, and non-disparagement clauses, and shares how he turned a $6,000 severance offer into over $60,000 for one client. Then Nicole and Ryan role-play a firing from both sides of the table — so you know exactly what to say and what never to say. They dig into the issues that disproportionately affect women at work: pregnancy discrimination (the number one form Ryan sees in his practice), his controversial-but-legally-sound advice to disclose your pregnancy early, what rights you have if you miscarry, and how return-to-office mandates are quietly being weaponized as stealth layoffs.  Plus: AI keystroke monitoring, non-competes in the current legal landscape, and the interview questions that are totally illegal — that you're probably being asked right now. 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 Ryan's book ⁠Get It in Writing⁠ Here's what Nicole covers with Ryan:  00:00 Are You Ready for Some Money Rehab?  02:01 Ryan's Path: From Firefighter to Workers' Rights Lawyer  02:52 Nicole Gets Let Go From CNN  03:44 Why HR Is Not Your Friend  05:34 The Right (and Wrong) Way to Fire Someone  06:41 It's Illegal to Fire Someone for Discussing Their Pay  08:44 Building Your Paper Trail From Day One  20:07 At-Will Employment, Explained  24:50 What to Do the Moment You Get That HR Email  26:31 Don't Sign Anything When You're Fired  29:14 Severance Is Negotiable  31:54 How Contingency Lawyers Can Help (Even When You're Broke)  33:38 What Else Is on the Table: COBRA, Equity, and Non-Disparagement Clauses  37:38 Role Play: Getting Fired (What Not to Do)  39:23 Role Play: Getting Laid Off (The Right Way to Handle It)  44:09 How a Good Employer Handles the Conversation  46:34 Freelancers and the 1099 vs. W-2 Trap  49:59 The Fear of Getting Blacklisted for Asserting Your Rights  50:19 Sexual Harassment: Who's Most at Risk and What to Do  52:44 Maternity Leave and Pregnancy Discrimination  55:28 Controversial Advice: Disclose Your Pregnancy Early  59:14 What to Get in Writing When You're Pregnant  01:02:16 Your Rights If You Miscarry  01:04:59 Return to Office as a Stealth Layoff Strategy  01:08:10 AI Tracking and Keystroke Monitoring  01:12:25 Non-Competes: What You Need to Know in 2026  01:17:09 Illegal Interview Questions (Role Play)  01:23:00 Ryan Stygar'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 or attorney before making any financial or legal decisions.

Allie Miller is the number one most-followed voice in AI business and an advisor to Fortune 500 companies , and she's on Money Rehab to tell us that most people are leaving serious money on the table by treating AI like a productivity tool. Today, Allie joins Nicole to break down exactly how to use AI as a wealth strategy in 2026 and beyond. Allie pulls back the curtain on her AI workforce (34 agents named after Friends characters) and explains why delegation is now a financial strategy, not just a productivity hack. She and Nicole dig into the most important question everyone has right now: what's safe to share with AI, and what isn't? From feeding Claude your insurance policy after a disaster, to connecting AI directly to your investment accounts, Allie lays out how to think about risk and leverage when it comes to your financial data. They also tackle the hard questions about kids and AI: AI companionship dangers, AI toys, age limits, whether college is even coming back, and why "AI scams are the new white vans." Finally, Allie shares her honest, unfiltered take on investing in AI companies, why she's long-term bullish, and the bold predictions people are calling her crazy for making today. 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 Follow Allie Miller on LinkedIn and Instagram Here's what Nicole covers with Allie:  00:00 Are You Ready for Some Money Rehab? 01:13 Allie's AI Workforce Explained 04:00 How to Build Your Own AI Workforce (No Coding Required) 06:40 What AI Still Can't Replace 10:00 Meet Simon, Rachel, Phoebe and the Rest of the Team 12:03 What to Always (and Never) Outsource to AI 18:30 AI Data Privacy 22:48 Customizing AI With Your Personal Context 31:43 Kids and AI: Raising a '90s Kid in 2026 38:10 What Age Should Kids Start Using ChatGPT or Claude? 44:52 How to Hack AI Sycophancy 47:25 Where Allie Draws the Line on AI Companionship 52:20 Using AI to Manage Investments 57:00 Will AI Replace Financial Advisors? 01:00:13 When Will We Be Working With Humanoids? 01:05:15 Investing in AI Companies and the Bubble Debate 01:09:45 Allie's Boldest Predictions 01:14:22 Allie Miller'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 or investments.

The middle of the year is a natural time for clients to feel frustrated with their money plans. They may have started strong in January, felt excited about their budget, and believed this was finally going to be the year things changed. But then life happened. Unexpected expenses came up, categories did not work the way they thought they would, groceries or gas cost more than expected, and the plan started to feel harder to follow. In this episode, Maria and Cody talk about how financial coaches can help clients reset without giving up. The conversation explores why some “unexpected” expenses are actually expected but unplanned, how to help clients decide what needs to be adjusted, and why different clients may need different levels of preparation, peace of mind, and intensity. They also revisit a helpful reset exercise built around four questions: what is working, what is not working, what is missing, and what are you tolerating that maybe you should not be? If you have clients who are discouraged because their plan has not gone the way they hoped, this conversation will help you guide them back toward clarity, adjustment, and continued progress.

Lifestyle inflation can quietly erase your raise before you ever see real financial progress. In this episode of The Financial Mirror, we talk about what to do when your income increases so your raise does not disappear.If you recently got a raise, promotion, new job, or higher monthly income, this episode will help you build a simple system for the extra money. You will learn how to calculate your real take-home increase, split your raise by percentage, increase automation first, avoid upgrading everything at once, and use an invisible raise system to protect your goals.This is not about shame or restriction. It is about structure.More income can help you save more, pay off debt faster, build sinking funds, increase your emergency fund, and create more breathing room in your monthly budget. But without a plan, that same raise can quickly disappear into lifestyle upgrades, subscriptions, dining out, shopping, car payments, and other expenses that start to feel normal.In this episode, you will learn a practical budgeting approach for handling income increases, building financial margin, and making better money decisions without panic or unrealistic advice.Subscribe to The Financial Mirror for calm, practical financial education on budgeting, saving, debt payoff, financial clarity, and building a healthier relationship with money.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#LifestyleInflation #PersonalFinance #BudgetingTips #MoneyManagement #FinancialEducation #TheFinancialMirror #Budgeting #DebtFreeJourney #SaveMoney #FinancialClarity #MoneyTips #EmergencyFund #SinkingFunds #FinancialPlanning #IncomeIncrease

Stand-up comedian and writer Josh Johnson returns to Money Rehab nearly two years after his first time on the show. Since then, he has become a hosting correspondent on The Daily Show, reached millions of followers on socials and continued to post a new stand up set to YouTube (he's done this for 156 consecutive weeks). He talks about how he's avoided lifestyle creep as his career has flourished, the best money advice he's received, and why being broke is like drowning in a swimming pool.     Then, Nicole gets Josh's take on some of the strangest recent money headlines, including a woman who reportedly saved $15,000 on groceries by going on dates, Victoria's Secret stock jumping 48% after changing its ticker to “VSXY,” and why taxes are apparently making Gen Z cry. 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 Follow Josh Johnson's incredible work and see him live! Listen to Josh's first interview on Money Rehab Here's what Nicole covers with Josh: 00:00 Are You Ready for Some Money Rehab? 01:46 What's Changed Since Last Time 04:10 The Ownership Illusion 06:28 Why Even Billionaires Never Feel Safe 08:00 How to Stop Moving the Goalpost on Financial Safety 09:18 Lifestyle Creep 12:00 Selling Shoes on eBay and Wikifeet 14:03 The Poisoned Pizza Story 15:18 Why Being Broke Is Like Drowning 19:00 Money-Saving Extremes 24:40 The Culture of Greed and “Good Business” 26:39 Food Insecurity in America 32:17 Cheap Corruption and Political Money 33:03 Structured Notes 37:38 Are We Doing NFTs Again? 40:37 Why Josh Is Skipping AI IPOs He Doesn't Understand 43:00 Funny Money 43:12 The Guy Who Asked His Date for a Venmo Refund 44:53 The Woman Who Saved $15K in Groceries by Going on Dates 46:22 Victoria's Secret's 48% Stock Surge From a Ticker Change 49:00 The $80K AI Deepfake Soap Opera Scam 51:39 Have Taxes Ever Made You Cry? 55:31 Trump's Face on a $250 Bill 59:23 Josh Johnson'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 or investments.

How do you help clients plan for travel while they are still working on financial goals? In this episode, Cody and Maria talk about how financial coaches can help clients think through travel with clarity, confidence, and intentionality. The conversation starts with a question many clients wrestle with: are they allowed to travel while paying off debt, rebuilding savings, or trying to stay focused on a financial plan? Cody and Maria unpack why travel does not have to be an automatic yes or no. Instead, coaches can help clients understand the tradeoffs, look at the real numbers, and decide what matters most to them. They also talk about why the coach's role is not to make the decision for the client, but to help the client see their options clearly enough to make a confident choice. The episode also walks through practical planning details like transportation, lodging, food, activities, missed income, credit card points, miscellaneous costs, and why building in a little extra cushion can help clients enjoy the trip without feeling frustrated when they get home. If you have ever had a client ask whether they should take a trip while working on their finances, this conversation will help you guide that process with more balance, confidence, and clarity.

Inflation just hit 3.8%, the highest it's been since 2023. That means that $100 you had in January? It's worth about $96.30 today. So today, Nicole breaks down three tools that protect your money when inflation runs hot: I bonds, TIPS, and gold. She explains exactly how each one works, who each is best for, and the critical differences between them — including why gold didn't spike during the pandemic inflation surge the way everyone expected, and why right now might actually be different. Plus, Nicole shares a little-known strategy called the "gift box" method that lets couples legally stack up to $40,000 in I bond purchases in a single calendar year. Here is a Money Rehab episode about how to invest in gold 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 Inflation Is Back — And We're All Feeling It  01:33 What's Driving the Surge (It's Not Just Gas)  02:30 What 3.8% Inflation Actually Does to Your Dollars  02:56 I Bonds: The Inflation-Fighting Investment Nicole Loves  04:34 I Bonds 05:06 TIPS  08:04 Gold: Flight to Safety or Inflation Hedge?  10:00 Why Gold Thrives When the Economy Is a Dumpster Fire  11:40 Tip You Can Take Straight to the Bank: The Gift Box Strategy 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.

Nicole is joined by journalist and podcast host Nayeema Raza, host of Smart Girl Dumb Questions, for a crossover episode! This is a shame-free conversation about the money questions we're all holding in, starting with perhaps the most loaded one of all: should you buy a home? Nicole breaks down the 5% rule for renting vs. buying, why she personally chose not to buy, and how to strip the emotion out of a decision that's usually anything but. She also answers common questions about debt, HSAs, growing generational wealth and more. Plus, Nayeema and Nicole talk about which expenses are worth going into debt for, and what Mark Cuban told Nayeema about how money can make you feel poorer the wealthier you become. Listen to Nayeema's podcast Smart Girl, Dumb Questions 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 with Nayeema:  00:00 Are You Ready for Some Money Rehab?  01:17 Nicole's Controversial Take on Homeownership  04:44 The 5% Rule: Rent vs. Buy Math  08:37 Why Nicole Chose to Rent (And Invest the Difference)  12:30 How the LA Fires Changed Nicole's Relationship to Home  17:00 Not All Debt Is Created Equal: Good Debt vs. Bad Debt  20:02 What Rich People Know About Leverage  24:03 How Nicole Got Into (and Out of) Credit Card Debt  25:51 Avalanche vs. Snowball: Which Debt Payoff Method Wins?  28:09 The Shame Cycle Keeping People Stuck in Debt  29:18 The Debt Game: What's Worth It?  34:35 Investing in Your 20s: Nicole's Biggest Regret  36:27 Nicole's Daughter's Investment Portfolio  37:15 HSAs, 401(k)s, and Where to Put Your Money First  38:39 How Do You Know If You're Rich?  41:26 Mark Cuban on How Money Can Make You Feel Poorer  42:34 Nicole's "Dumb" Question  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.

Budgeting for weddings and events is one of the most overlooked parts of personal finance. In this episode of The Financial Mirror, we break down how to use sinking funds, realistic estimates, and weekly savings automation to prepare for weddings, holidays, birthdays, graduations, family events, and other social expenses.Most people do not overspend on events because they are careless. They overspend because the cost was predictable, but the money was never separated ahead of time.In this episode, you will learn how to predict upcoming events, estimate the real cost of attending, create a wedding and events sinking fund, automate weekly savings, and avoid last-minute credit card use. We will also walk through a realistic monthly budget example so you can see exactly how event planning fits into real-life money management.If weddings, birthdays, holidays, graduations, showers, or family gatherings keep throwing off your budget, this episode will help you create structure before the pressure hits.The goal is not to skip every event. The goal is to make better financial decisions with clarity, structure, and less stress.Subscribe to The Financial Mirror for calm, practical financial education focused on budgeting, debt, savings, financial clarity, and long-term money habits.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#TheFinancialMirror #Budgeting #SinkingFunds #PersonalFinance #FinancialEducation #MoneyManagement #BudgetTips #WeddingBudget #EventPlanning #FinancialLiteracy #DebtFreeJourney #SavingsGoals #MonthlyBudget #MoneyHabits #FinancialClarity

A lot of coaches wonder what it would take to become a full-time financial coach. In this episode, Cody and Maria are joined by Sharon Kamas, a financial coach who recently transitioned from a full-time career in education into full-time coaching. Sharon shares how she got started, why financial coaching became such a natural fit for the work she was already doing with people, and what she learned as she began practicing, finding clients, and building her coaching practice. The conversation also gets into some of the misconceptions that can hold coaches back. You do not need every tool, system, website, or business detail figured out before you start. Sharon shares how she started coaching before everything was polished, how she learned through real conversations, and why getting out there and building relationships matters more than waiting for clients to come to you. If you have been thinking about becoming a full-time financial coach, or you are trying to find your first few clients, this episode will help you think through the path with more honesty, patience, and encouragement. Connect with Sharon: kamascoaching.com

The Federal Reserve hasn't been this dramatic in decades. Today, Nicole breaks down everything you need to know about the Fed and exactly what it means for your wallet. Nicole explains how the federal funds rate actually works, why it doesn't directly set your mortgage rate (but still absolutely affects it), and which accounts move immediately when the Fed acts. She unpacks the Fed's dual mandate, and shares her prediction for what Kevin Warsh will do. 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 Open a high yield savings account with SoFi at sofi.com/mnn Here's what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 00:15 Why the Fed Is Bringing the Drama Right Now 00:57 What the Federal Funds Rate Actually Is 01:33 How Banks Borrow From Each Other Overnight 02:01 How the Fed Rate Affects You (And What It Doesn't) 02:21 High Yield Savings Accounts and the Fed 02:39 The Fed's Dual Mandate: Inflation vs. Unemployment 03:36 Where Inflation Stands Right Now 04:04 Inside the FOMC: How Rate Decisions Are Made 04:19 Meet the New Fed Chair: Kevin Warsh 04:49 Hawks vs. Doves Explained 05:08 Trump vs. The Fed: The Political Pressure 05:14 Austan Goolsbee Takes Us Inside the Room 07:30 Internal Dissent at the Fed: Not Seen in 30 Years 07:57 What to Expect from Markets on June 17th 08:53 Nicole's Prediction: Will Warsh Cut or Hold? 09:29 Tip You Can Take Straight to the Bank: High Yield Savings 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.

Olivia Ferney (@travelwithlivii) is the luxury travel agent to the ultra-wealthy, booking private jets, superyachts, and six-figure vacations for some of the richest people on earth. Today, she pulls back the velvet rope on what it's actually like inside that world. If you're trying to meet a billionaire client or investor, Liv tells you where they're hanging out. Liv tells Nicole the most outrageous client requests she's received, why saying "I have no budget" is the biggest red flag a client can send, and what to say to get a hotel upgrade. She also gets real about how working with billionaires has warped her own relationship with money, and the softer lessons she's taken away about what money actually can and can't fix. Plus: the Instagram-famous destinations she'd never recommend, where billionaires are actually traveling right now, and the shoulder season hack anyone can use to save real money on their next trip. 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 Follow Travel with Livii learn more about Top Tier Travel Here's what Nicole covers with Olivia:  00:00 Are You Ready for Some Money Rehab?  02:15 Selling Her First Company at 21 and Moving to Miami  04:49 The Travel Agent Business Model  07:23 Flying Limes From Different Countries and Other Crazy Client Requests  09:36 What Clients Think About the Viral Videos  14:00 Are the Stereotypes About “New Money” True?  20:43 "Rich People F***ing Love a Refund"  22:44 Do Billionaires Have Budgets?  25:18 Overrated Destinations, Best Hotels, and Most Expensive Room Service  28:30 Where Billionaires Are Traveling Right Now  32:26 How to Get a Free Hotel Upgrade  39:16 How Working With Billionaires Changes Your Money Mindset  43:07 Rich and Depressed Is Still Depressed  45:30 Prenups, Working With Your Partner, and Wedding Plans  46:49 Liv's Tip You Can Take Straight to the Bank

Sometimes a prospect tells you right away that they are not looking to invest in coaching. That can be a hard moment to navigate, especially when you know the purpose of a consultation is to understand where they are, serve them well, and see whether coaching might be a good fit. It can be tempting to pull back, protect your time, or assume the conversation is not going anywhere. In this episode, Cody and Maria talk through a real consultation where that exact thing happened. The prospect said early in the call that he was not looking to invest in anything and only wanted to learn. Cody shares how he responded without pressure, how he continued serving the person in front of him, and how the conversation eventually shifted. The episode also looks at why listening well, speaking the prospect's language, and helping them see what is really going on can create trust without making the conversation feel salesy. If you have ever had a prospect say they are not ready to invest, this episode will help you think through that moment with more patience, confidence, and clarity.

Send us Fan MailAre you making financial decisions consciously, or being nudged by forces you do not see?On this episode, I speak with Ceres Chua, Money Psychologist and Financial Coach about the hidden psychology shaping our financial decisions. We explore how unconscious biases, money scripts, and marketing language influence the way we think about spending, saving, and sufficiency. Key Takeaways

Today, I'm speaking with Rivky Rothenberg. Rivky is a CPA and financial coach who helps families make sense of their money and build a strong, values-based financial foundation. She works with couples to create clear, practical systems at home so they can raise children with healthy money habits and avoid the patterns that lead to entitlement. She also guides engaged and newlywed couples through the early financial decisions that shape their future, helping them get organized, communicate well, and start off on the same page. Drawing on her background in accounting and years of hands-on experience, Rivky focuses on giving families both clarity and tools—so they can feel confident in their finances and in the example they're setting for the next generation.I loved speaking with Rivky because money is one of those things that is still a bit taboo and nice to speak about with a real professional, someone who has seen a lot and can speak from that experience.In the episode, we speak about:-How she got into financial coaching-The language we can use to speak to our kids about money even from a young age so they develop a healthy mindset around it.-How to speak to teens and older kids about money in a way that makes sense to them and teaches them the value of it-How to deal with money differences that come up in marriage, which almost always happens as each person comes in with their own money styles, backgrounds and triggers-How to develop more emunah and bitachon into your money mindset…and so much more!For more from Rivky or to work with her, visit rivkyrothenberg.com.

Are you on track with your budget, savings, debt payoff, and financial goals for 2026? In this episode of The Financial Mirror, we walk through a practical mid-year budget check-in so you can review your progress, correct what is not working, and build a clear plan for the rest of the year.Many people wait until December to realize their finances drifted off course. But if you check in around the end of May or beginning of June, there is still time to adjust. This episode will help you review your income, spending, savings, debt balances, and financial goals so you can make better decisions before the second half of 2026.You will learn what numbers to review, how to spot budget leaks, how to reset your monthly plan, and how to make realistic corrections without shame or overwhelm. The goal is not perfection. The goal is structure, clarity, and progress.Most financial problems are not math problems. They are structure and behavior problems. This mid-year check-in will help you build the structure you need to finish 2026 stronger.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#investinyourself #personalfinance #financialempowerment #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success #thefinancialmirror #budgettips #budgetplanning #midyearreset

Chris Voss spent two decades at the FBI and became the Bureau's lead kidnapping negotiator. Today he sits down with Nicole to teach you how to leverage the same psychological tactics to get the salary you want. Chris and Nicole break down exactly what to say to get a raise, how to walk into a new job offer and negotiate without burning bridges, and how to get people to want to pay you more. Chris reveals why finding “common ground” is actually a recipe for resentment, why throwing out a number first can kill a deal, and the three conflict types — fight, flight, and make friends — that explain how almost every deal goes sideways.  Then Nicole and Chris get into why remote work might be quietly tanking your career, an analysis of President Trump's negotiation style and The Art of the Deal, plus the two lines of code planted in your head before age five that drive everything you do with money, work, and relationships. Finally, because Nicole had to ask, Chris explains what you should say if you're ever in a hostage situation. 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 Nicole's Favorite Chris Voss Book “Never Split the Difference” Learn More About The Black Swan Method Here's what Nicole covers with Chris:  00:00 Are You Ready for Some Money Rehab?  01:00 Why Splitting the Difference Builds Resentment 03:19 The Myth of “Common Ground” 06:57 Stories From Being the Lead Hostage Negotiator For the FBI  07:51 How to Get Your Boss to Want to Pay You More  16:00 The Mistake of Getting Too Personal 18:51 What Should You Say If You're a Hostage? 19:19 In A Raise Negotiation, Should You Bring Up a Competing Offer? 22:19 Is Body Language Really Important? 27:12 Does Chris Voss Get Nervous While Negotiating? 28:36 Negotiation Role Play and the Script For Getting a Raise 30:31 Should You Throw Out a Number First? 32:25 Don't Ask “How Can I Help?” 42:15 Negotiating Non-Monetary Perks (Remote Work, Vacation Time, and More)43:06 Chris' Take on Remote Work: It Makes You a C-Player  47:31 How to Use Empathy in a Negotiation  48:00 Why Being Playful Makes You 31% Smarter  50:20 The Three Conflict Types and Why Deals Die  59:00 Analyzing Donald Trump's Negotiation Style 01:08:51 Debunking Negotiation Myths 01:16:00 Rating Deal-Making Cliches  01:18:13 How To Get Inside Someone's Head 01:22:38 How Your Upbringing Influences Your Negotiation Skills 01:25:47 Chris Voss's Tip You Can Take Straight to the Bank

When a client says they do not see the value anymore, it can feel personal. That reaction makes sense. Coaching is relational, and when someone questions the value of the work, it can be easy to feel defensive or start trying to prove why the coaching matters. But that may not be the most helpful place to begin. In this episode, Maria and Cody talk about what to do when a client no longer seems to see the value in your coaching. They explore why asking better questions can help you get to the real reason behind the disconnect, why the issue may not always be what it first appears to be, and how these moments can become opportunities to learn, serve the client better, and improve your work as a coach. Cody also shares a simple exercise he uses with clients to stay ahead of this issue by asking what is working, what is not working, what is missing, and what they may be tolerating. If you have ever had a client question the value of coaching, this episode will help you think through that moment with more curiosity and less defensiveness.

If you've been thinking about starting a financial coaching practice, there's probably a list running in the back of your mind. The certification you should probably get. The website you need to build. The LLC you think you're supposed to file. The handful of topics you still need to master before you'd feel ready to call yourself an expert.I had that same list almost two decades ago, when I was still working in corporate America and trying to figure out how to make the leap. I spent so much of that first year bootstrapping and second-guessing, and looking back, a lot of what I thought I needed was actually getting in my way.In this episode, I'm walking through what's really on that list once you strip out the things you can stop worrying about. Some of it might surprise you. Some of it might be the permission you've been waiting for. And some of it might shift what you focus on this week, this month, or for the rest of the year.If you've been circling the question of what it takes to get started, this is the conversation I'd want you to hear first.Links & ResourcesThe Builder (launching Memorial Day weekend)Financial Coaching EssentialsNolo.com

Struggling to stick to a budget? This 30 Day Budget Makeover Plan will help you simplify your categories, choose the right budgeting system, automate the important pieces, and finally build a budget that works in real life.In this episode of The Financial Mirror, we break budgeting down into four practical weeks: Awareness, Setup, Automation, and Optimization. You will learn why overly complicated budgets fail, how to choose a platform that feels natural to use, how to avoid decision fatigue from too many categories, and how to create a weekly review habit that keeps your plan alive.We also walk through a realistic example using a $78,000 income, show how the budget fits into a monthly plan, and explain who may need 1:1 help to finally create financial structure that lasts.Most financial problems are not math problems. They are structure and behavior problems. This episode will help you build the structure.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#InvestInYourself #PersonalFinance #FinancialEmpowerment #FinancialFreedom #Finance #Money #Investing #FinancialLiteracy #FinancialIndependence #Budgeting #DebtFreeCommunity #FinancialPlanning #DebtFree #FinancialEducation #DebtFreeJourney #Wealth #FinanceTips #Business #Budget #Investment #Entrepreneur #MoneyManagement #MoneyTips #StockMarket #FinancialGoals #Invest #Motivation #Debt #Savings #MoneyMindset #SavingMoney #Success #BudgetTips #BudgetReset #FinancialClarity #CashFlow #MoneyHabits #TheFinancialMirror

Allison Ellsworth built Poppi from a homemade prebiotic soda to a $2 billion brand acquired by Pepsi… but you already know that. Today, Allison talks about what happens afterward, and how to follow-up a successful first act. Allison opens up about the unexpected grief of letting go of a company that was her identity, and the pressure of building a new company after a successful exit. She also digs into advice for anyone who has a different money mindset than their spouse, and how to find common ground.  Plus, Allison shares how she's talking to her three young kids about money and work— and why her kids waving her off with "Have fun, Mom" is her greatest parenting win. 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 Allison on Instagram and TikTok Here's what Nicole covers with Allison:  00:00 Are You Ready for Some Money Rehab?  01:10 When the Wire Hit 03:20 What People Get Wrong About "Billionaire" Headlines  04:15 The $50K Investment That Went Bankrupt Overnight  05:50 What Skills Transfer From Running a Company to Managing Wealth (And What Don't) 07:30 Running Your Personal Finances Like a Business  09:00 The Grief Nobody Warns Founders About  11:05 Separating Your Identity From Your Company  13:00 Founder-Led Content and What's Coming Next in Brand Building  15:20 Building the Second Company Differently  17:40 Self-Funding vs. Taking on Investors  19:30 The Emotional Payoff of Returning Money to Early Investors  21:45 Making 44 People Millionaires  22:00 Lessons From Being a Shark on Shark Tank 23:30 Female Founders, Mom Guilt, and "Spreadsheets in the Bedsheets"  26:40 Opposite Money Mindsets in a Marriage  31:30 Why Allison Has No “Fear Gene” 33:30 Raising Kids With Money Values 36:55 How to Talk to Your Kids About Work Without Losing Them  39:00 Buying Back Time 41:00 Secure the Bag 45:25 Allison Ellsworth's Tip You Can Take Straight to the Bank

Every coach eventually gets asked a question they do not know how to answer. In this episode, Maria and Cody talk about what to do in that moment, and why not knowing the answer does not have to damage trust with your client. In fact, handled well, it can become one of the more helpful moments in the coaching relationship. The conversation explores why coaches often feel pressure to know everything, why your role is not to be the savior, and how honesty, curiosity, and a willingness to keep learning can serve your client better than pretending to have every answer. If you've ever worried that not knowing enough could hold you back as a coach, this episode is a good reminder that you do not need to know everything to coach well.

From $100K in Debt to Financial Coach with Justin BennettFinancial coach Justin Bennett had the career, the house, and the wife by his mid-twenties. But, also over $100,000 in consumer debt he had no idea how to get out of. In this episode, Justin shares the raw, real story of how he and his wife turned it around, and how that experience launched nearly two decades of helping over 1,000 clients eliminate a combined $10 million in debt!We talk about why budgeting gets such a bad rep, the hidden difference between tracking and actually planning, the real reason most people are afraid to look at their own finances, and the mindset shift that has to happen before any process actually works. Justin also breaks down his 3P Framework (Principles, Processes, Plan), shares some incredible client stories, and gives a very honest take on the Buy Now, Pay Later trap that's making all of this so much harder.He also just happens to be a lifelong Metallica fan who met James Hetfield backstage in 2004. So there's that! m/ m/ Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:https://strongtowerconsulting.comhttps://levelupyourfinances.comProfit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machineby Mike Michalowiczhttps://a.co/d/08PEtGrjThe Money Habit: The Worry-Free Way to Financial Independenceby Mike Michalowiczhttps://a.co/d/030t3Vk0Waylon Jennings talks about quitting drugs.https://www.youtube.com/watch?v=iFHKnVQZDeoAtomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Onesby James Clearhttps://a.co/d/02kAHu17Contact Chris:https://heavymetal.moneyhttps://www.instagram.com/heavy_metal_money/https://www.youtube.com/@heavymetalmoneyhttps://www.facebook.com/chrislugeremail: chris at heavymetal.money

Every client you work with moves through a journey. The situations are always different, but the stages are remarkably consistent. I've watched them unfold across hundreds of clients over nearly two decades, and at some point I started giving them language.In this episode, I walk through the four stages I see every client move through when they start working on their money: See Clearly, Stand Firm, Own It, and Build Forward. I talk about what the client is experiencing at each stage, what they actually need from you (which is often different from what you want to give them), and the coaching mistakes that happen when you're doing the right work at the wrong time.This episode connects to the SpendFirst™ methodology, but the pattern applies regardless of what system you use. Once you see it, you'll coach differently.Resources mentioned: Episode 27: The four Stages FrameworkFCA and Specialty Toolkits: closing to new enrollment May 18, 2026

Married couples need more than separate bank accounts and random money conversations. In this episode, we break down why joint finances, shared goals, and a simple weekly money meeting can create more clarity, trust, and financial unity.If you and your spouse have been managing money like roommates, this episode will help you rethink the structure. We'll talk about joint vs separate accounts, the parent account method, transparency rules, shared financial goals, and how to build in equal fun money without creating a “mine and yours” mindset.The goal is not control.The goal is clarity.You'll learn how to create a shared money system where both spouses know what is happening, both people have a voice, and the household can make better financial decisions together.Most financial problems are not math problems.They are structural and behavioral problems.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#MarriageAndMoney #JointAccounts #CouplesFinance #PersonalFinance #BudgetingTips #MarriedFinances #MoneyInMarriage #FinancialEducation #FamilyBudget #MoneyManagement #FinancialClarity #TheFinancialMirror

Glennda Baker has been a real estate broker for decades, built a massive social media following teaching everyday people how to buy and sell smart, and learned some of the biggest money lessons the hard way…  including a divorce where her ex looked her in the face and called her a "cash cow." Today, she joins Nicole to share what she knows about protecting your wealth, winning in today's housing market, and building real estate into generational wealth. Glennda gets raw about her own financial trauma: the manipulation she didn't see coming in her marriage, the moment she was evicted to a vacant rental with her son and hit rock bottom, and why she will never get married again. She explains exactly how divorce hits women differently than men, including a hidden math problem most people miss when splitting a house at today's interest rates. Then Nicole and Glennda get into the real estate playbook.  They fact-check the viral real estate advice flooding your feed, from writing letters to homeowners to get off-market deals, to using a HELOC for a down payment, to buying property through individual LLCs. Glennda also makes her case for why buying a house for your kid beats a 529, why private equity is keeping Bobby and Susie off the property ladder, and the one negotiation move every buyer should make at closing. 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 Follow Glennda on TikTok and Instagram Here's what Nicole covers with Glennda: 00:00 Are You Ready for Some Money Rehab? 01:21 Glennda's Origin Story 03:33 Should You Put Your Spouse's Name on Your House? 06:22 Prenups, Postnups, and Why Everyone Already Has One 07:03 Why Glennda Will Never Get Married Again 08:11 How Divorce Hits Women Differently 09:29 The Hidden Math Problem When Splitting a House 11:43 Glennda's Money Trauma 17:09 Buying a House Together: What Needs to Be in Writing 20:19 Trusts vs. Putting the House in Your Kid's Name 24:30 Why Glennda Would Rather Buy a House Than Fund a 529 26:35 Real Estate vs. the Stock Market 28:09 Glennda and Nicole Play TikTok Trend or Truth? 38:13 The $47 Trillion Boomer Equity Problem 40:02 The Starter Home Myth 42:00 What Budget Do You Actually Need? 48:52 How Private Equity Is Locking Out Everyday Buyers 52:43 A Hard Look at Affordability 55:00 The 7 Ds of Real Estate 59:33 Closing Cost Strategy 01:03:03 Glennda Baker'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 or investments.

A lot of coaches think about growing their practice by getting more one-on-one clients. But sometimes growth looks different than that. In this episode, Maria and Cody talk about taking what you already know and bringing it into other spaces like churches, businesses, workplaces, and community groups. The conversation explores why many coaches wait until everything feels fully built out before they start, and why growth often begins with simple conversations and opportunities that are already around you. They also talk about the difference between trying to have everything figured out ahead of time versus being willing to build as you go. If you've ever wondered what it could look like to take your coaching beyond traditional one-on-one sessions, this conversation will probably spark some ideas.

Today, Nicole unpacks the exact accounts she opened for her daughter, the math that makes starting early almost unfair, and the money script she's determined to rewrite for the next generation. Whether you have a newborn, a teenager, or you're realizing you wish someone had done this for you, this episode is a blueprint. Nicole breaks down how a 529 plan is far more flexible than most parents realize, why a custodial brokerage account is less about returns and more about teaching kids that money grows quietly in the background, and why a retirement account for a one-year-old is not as insane as it sounds — it's one of the most powerful financial moves a parent can 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 Here's what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 01:13 529 Plans: More Flexible Than You Think 02:02 The Math on Starting Early vs. Waiting 02:51 Super Funding: The IRS Loophole Most Parents Miss 03:31 Lump Sum vs. Monthly: The Numbers That Will Shock You 04:00 How to Shop for the Best 529 Plan 04:17 Custodial Brokerage Accounts Explained 05:00 The Financial Aid Trade-Off 05:41 Why Nicole Really Opened This Account for Her Daughter 05:56 The Custodial Roth IRA (Yes, for a 1-Year-Old) 07:00 The Number That Changes Everything 08:00 Roth IRAs and Financial Aid: The Cleaner Vehicle 08:21 Rewriting the Money Script 09:00 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.

If you're walking a difficult journey through what may feel like insurmountable debt right now and see no way out, my guest today will give you hope. Tiffany Miliander was a single mom who was left with $64,000 in debt when she divorced. But she was determined not to let that debt linger and paid all of it off in four short years. Debt can feel like a mountain you never asked to climb, but Tiffany stood exactly where you might be standing—and refused to stay there. She didn't wait for perfect circumstances. She didn't wait to feel ready. She took one creative step, then another, and those steps added up to freedom. And that same freedom is possible for you. If you're tired of feeling weighed down by bills, shame, or the fear that things will never change, let this episode be your turning point. Tiffany explains how you don't have to overhaul your whole life overnight. Just choose one small, doable action this week. One shift. One idea. One brave yes. Because financial freedom isn't just about money—it's about peace, confidence, and the kind of stability that blesses your whole home. To learn more about Tiffany go to Blessed Beyond the Stress Watch on YouTube: How a Single Mom Paid Off $64,000: Creative Debt Hacks from a Financial Coach with Tiffany Miliander Ep. 166

Your savings rate is the most important factor in building wealth.If you don't know yours, you're guessing your financial future.In this episode of The Financial Mirror, we break down how much you should actually be saving each month and why your savings rate matters more than your income. You'll learn how to calculate your savings rate, what counts toward it, and how to improve it using real, practical strategies.Most people believe making more money will solve their financial problems. But the reality is, wealth isn't built on income alone. It's built on what you keep. This episode shows you how to shift from spending-focused thinking to wealth-building behavior.We walk through real examples, monthly budget breakdowns, and simple systems you can use to increase your savings rate over time. Whether you're just starting out or trying to optimize your finances, this is the framework you need to build long-term financial stability and independence.If your goal is financial clarity, structure, and progress… this is where you start.Why This Matters:Your savings rate is the clearest indicator of your financial trajectory.The higher it is, the faster you build wealth and create freedom in your life.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!**Support the Stream By Shopping at Our Store**Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#SavingsRate #InvestInYourself #PersonalFinance #FinancialEmpowerment #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success #WealthBuilding #FinanceEducation #MoneyHabits

You've probably seen the headlines about luxury investments outperforming the stock market… but is that actually true? And more importantly, is this a game only for millionaires, or is there a way for the rest of us to get in on it too? Today, Nicole is joined by Dana Auslander, former Blackstone executive and founder of Luxus, a luxury alternative asset manager with the first dedicated Hermès Birkin fund. In this conversation, Dana unpacks the viral headlines, why her investment thesis puts Hermès bags ahead of other luxury brands like Chanel and Louis Vuitton, and how to invest in a Birkin without buying a Birkin. Then, Nicole and Dana zoom out and explain what the luxury investment trends mean for retail investors, how the macroeconomy impacts luxury investments, and what the counterfeiting problem could mean for the whole market. Then, Dana goes beyond bags and rates watches, art, wine, and jewelry as alternative investments. 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 Follow Luxus and learn more about the Birkin Fund Here's what Nicole covers with Dana: 00:00 Are You Ready for Some Money Rehab?  01:27 Are Birkins Actually Better Than the S&P 500?  02:00 What Is a Veblen Good — and Why It Matters  04:06 How Much Is a Birkin, Really?  04:29 The Secret to Getting One From Hermès  05:21 Manufactured Scarcity: How Hermès Controls Demand  06:12 The Rise of the Secondary Market  07:35 Gross vs. Net Returns: What the Charts Don't Show You  09:24 Jane Birkin's Bag Sold for $10.8 Million — Dana Was There  13:00 Is Chanel Actually Investment-Grade?  14:00 Birkin vs. Stock Market: Where Should You Put Your Money?  16:38 How the Luxus Fund Works  21:00 How to Invest Without Buying a Birkin  23:36 Sourcing Bags Through Private Dealer Networks  27:15 Storing, Authenticating, and Selling the Bags  28:33 How to Become an Accredited Investor  30:07 Is Buying a Birkin a Proxy for Hermès Stock?  32:20 The K-Shaped Economy and Luxury Demand  35:10 The Counterfeit Problem Is Getting Scary  38:18 Luxury Investment Ratings: Watches, Art, Wine, Jewelry  43:05 Secure the Bag: Financial Literacy for Women 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.

What do you do when a client's financial struggles are tied to addiction? In this episode, Cody brings a real question from a listener about coaching a client who had been making strong financial progress—only to suddenly fall backwards due to substance addiction. What follows is a deeper conversation about how to respond when the issue goes beyond money. Maria shares insight from her background in substance abuse counseling, unpacking how addiction impacts both income and spending, and why progress can quickly reverse when underlying behaviors aren't addressed. They also talk through one of the most important things for coaches to understand: where your role begins—and where it should stop. From the stages of change to the importance of accountability, this episode helps you support your client without stepping outside your lane. If you've ever had a client where the challenge felt bigger than money, this conversation will give you a clearer framework for how to move forward.

Jason Oppenheim (real estate broker, founder of the Oppenheim Group— the brokerage covered on Selling Sunset) starts this conversation with a take Nicole was not expecting: it's a buyer's market, and he'd know, because he's been renting for the last three years himself. In this conversation, Jason covers every hot-button topic in real estate. He unpacks how he thinks AI will disrupt real estate and why he believes humanoid robots will be showing houses within the next two decades. He gets brutally honest about the LA market, why wealthy people are fleeing major cities in droves, and shares the cities he thinks real estate investors should avoid. He makes the case that renting is not "throwing money away" — in fact, he argues that in many cases renting is a smarter financial move. He and Nicole also debate whether there's actually a housing affordability crisis (Jason says we're misdefining it), how he thinks about money and happiness, and why he hasn't changed his financial goals since he was broke. 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  Follow the Oppenheim Group and keep up with Selling Sunset on Netflix Here's what Nicole covers with Jason:  00:00 Are You Ready for Some Money Rehab?  01:11 Is It a Buyer's Market?  02:09 Why Wealthy People Are Leaving Major Cities  04:10 Where Are They Going? (And Where NOT to Buy)  05:38 Why Real Estate Is Not AI-Proof  10:35 “At Some Point, There Is No Work.”  17:43 Why Jason Loves 30-Year Treasuries  19:00 The AI Deflation Thesis  23:54 Is There Really a Housing Affordability Crisis?  30:40 Rent vs Buy Debate  36:21 Behind the Scenes of Selling Sunset  37:06 Does Money Buy Happiness?  39:24 Getting His Rolls Royce Stolen  40:00 How Jason Thinks About Spending vs. Saving  41:43 What Was Jason's FU Number?  42:12 Secure the Bag: Jealousy, Googling Your Own Net Worth, Bad Investments  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.

What do you do when a client wants to stop coaching before they finish? In this episode, Cody shares a real situation from his coaching practice where a client—who was actually doing well—decided he wanted to step away before completing the full program. What followed was a thoughtful and intentional response that ultimately led the client to reconsider and finish what he started. This conversation goes beyond just “saving a client” and gets to the deeper issue: identity. You'll hear how Cody approached the situation by calling the client into alignment with who he said he wanted to be, rather than trying to convince or pressure him to stay. Maria expands on this by highlighting the role of integrity, values, and self-perception in decision-making. If you've ever had a client question the value of continuing—or felt unsure how to respond in that moment—this episode will give you a practical and powerful framework to handle it with confidence.

Rachel Covert is a financial coach, founder of Electrify Wealth, and creator of the Rachel Talks Money platform. A former New York City fashion VP at Isaac Mizrahi Live, Rachel walked away from the corporate ladder after realizing that lifestyle creep and overconsumption weren't just draining her bank account — they were stealing her identity. She's been featured on NASDAQ and now helps people get out of debt, break the impulse spending cycle, and start building actual wealth.She currently lives in Portugal, where the contrast with American consumer culture couldn't be more stark — and it informs everything she teaches.This episode is a practical, no-math-required conversation about money. Whether you have credit card debt, no savings, or just feel like the money comes in and goes straight back out — this one is for you.In this episode, we cover:Why overconsumption is a societal norm baked into American culture — and why awareness, not shame, is the starting pointThe dopamine cycle behind impulse shopping and why most of the hit comes from the anticipation, not the purchaseHow your nervous system drives your money decisions — and why staying broke can feel "safe" if that's how you grew upHow influencers are wired to get you to spend and how to stop emulating and start building your own financial identityLiving in Portugal vs. the US — what a culture with a tenth of the consumption looks likeThe "wiggle room" number — the only money math you actually need to knowWhy avoiding your finances is already the wrong thing — and how even 40% effort makes a real differenceCredit card debt, interest rates, and why the points system is mostly a trap if you're carrying a balanceThe "eternal employee" cycle — what keeps people from ever being able to retireHow to teach your kids about credit cards the right wayWhy retirement isn't an age, it's a number — and how to start thinking about it no matter where you are right now401k basics, employer matching, and why boring investing beats sexy investing every timeWhy you won't remember the things you didn't buy — but you will remember ItalyHer one piece of advice: be patient with yourself, pick a sustainable strategy, and compare yourself only to where you startedIf you're trying to control spending, pay off debt and build wealth, tune in. Don't forget to like, share and subscribe.Connect with RachelInstagram: https://www.instagram.com/rachel_talksmoney/Tiktok: https://www.tiktok.com/@rachel_talksmoney?lang=enFacebook: https://www.facebook.com/people/Rachel-Talks-Money/61556383892353/#Website: https://www.racheltalksmoney.com/

The SpaceX IPO will likely be the largest public offering in history... But before you get excited, Nicole breaks down how the IPO machine actually works, and why some of the smartest people in finance say the system is rigged against you. Nicole walks through the full IPO process step by step: what underwriters actually do (and what they charge for it), how the roadshow and book-building work, and why the price you'll pay on IPO day is not the price institutional investors paid. She also covers what SpaceX employees need to know right now about their equity, stock options, RSUs, lockup periods, and the tax surprises that can blindside you before you sell a single share. Then, Nicole shares the framework she uses to evaluate any IPO, including the two sections of the S-1 prospectus most retail investors skip, and explains how you can get in on SpaceX before the IPO. 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?  00:04 The SpaceX IPO: Just How Historic Is It?  01:08 How the IPO Process Actually Works  02:12 What Underwriters Do (and What They Cost)  03:04 The Roadshow and How IPO Pricing Works  03:45 NYSE vs. NASDAQ: Where Will SpaceX List?  04:25 Why Companies Go Public  05:14 What SpaceX Employees Need to Know About Their Equity  06:00 Lockup Periods Explained  07:06 Three Things Every Employee Must Do Before an IPO  08:06 Is the IPO System Rigged? Bill Gurley's Argument  10:00 The Figma Example: How Retail Investors Got Burned  11:19 How to Evaluate Any IPO Before You Invest  13:27 Watch the Lockup Expiration Date  14:09 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 or investments.

Emma Grede built a business and media empire (including brands like Good American and SKIMS) without a safety net. Today, she joins Nicole to pull back the curtain on the money mindset, negotiation tactics, and hard-won lessons that got her there. Emma gets raw about paying herself £45K while paying a male hire £150K to do a worse job, the moment Good American sold $1 million worth of inventory on day one (and why her investors turned on her by noon), and creative strategies she's used to close major deals. She and Nicole also dig into Emma's exact playbook for negotiating a raise, the traps women fall into with money, and why Emma never lends money — she just gives it. Then they get into the taboos: prenups, the questions people should stop asking female founders, and whether financial planning and family planning should ever be kept separate. Pick up Emma's amazing book Start With Yourself Listen to Emma's inspiring podcast Aspire 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 with Emma:  00:00 Are You Ready for Some Money Rehab?  03:39 Emma's Early Money Mistakes 06:00 The £45K vs. £150K Lesson  07:12 Learning the Language of Business  10:34 What Wealthy People Know About Investing  11:48 Good American's $1M Day One — and the Investor Critique  15:39 What Money Can't Buy (But People Think It Can)  18:13 Does Money Buy Happiness?  19:00 Emma's Secret to Always Asking for More  19:48 The Natalie Portman / Dior Negotiation Story  21:58 The Secret to Great Negotiations  22:30 Negotiating a Prenup at a Restaurant  24:33 Protecting What You Build During Marriage  26:45 Raise Negotiation Role Play  33:18 What NOT to Say When Asking for a Raise  35:01 Questions Female Founders Get That Men Never Do  38:20 The "Army of Help" and Financial Family Planning  40:34 Raising Wealthy Kids Without Ruining Them  43:59 Emma's Early Hustle 46:00 Secure the Bag 53:15 What's Next For Emma  01:01:39 Emma Grede's Tip You Can Take Straight to the Bank

Jennie Garth went from working on bean fields for 25 cents an hour to buying her first home as a teenager after landing the role of Kelly Taylor in 90210. When she hit it big, people tried to tell her that she didn't need to know about her finances. Today, she shares the money lessons she learned the hard way. Jennie and Nicole dig into the psychology behind money: why a scarcity mindset can literally choke off your income, what "Tall Poppy Syndrome" is and why high-achieving women keep cutting themselves down, and how negative self-talk about money doesn't just hurt you… it hurts your kids, too. Jennie also shares why she and her husband Dave don't combine finances, how she's embracing the “I Choose Me” philosophy, and the parenting advice she'd give any new mom. 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 Jennie's memoir I Choose Me Here's what Nicole covers with Jennie:  00:00 Are You Ready for Some Money Rehab?  01:47 Jennie's First Job and Early Money Memories 04:19 Faking It in Every Money Meeting  07:24 The 90210 Pay Gap and the Power of Negotiating as a Team  10:23 Being the "Hollywood Daughter" and Tall Poppy Syndrome  14:46 “Fear Is False Evidence Appearing Real” 17:03 How a Scarcity Mindset Literally Stops the Flow of Money  19:15 How Other People's Words Become Your Financial Self-Talk  20:26 Raising Money-Smart Daughters  23:55 How Jennie Inspired Nicole to Start Her Own Wealth Management Firm  25:41 When Three Suits Walk Into the Room  26:32 Jennie and Dave's Very Different Money Personalities  28:44 Why She Bought Her First Husband a Harley and a Music Studio  30:00 Did She Have to Unlearn That Money Can't Buy Love?  32:23 Secure the Bag 36:34 Advice for New Moms: Choose Yourself Too  37:33 Jennie's Last "I Choose Me" Moment

AI isn't coming… it's already here, and it's already reshaping how we work and build wealth. Nicole's prediction: the winners of the next decade will be the techno-optimists, the people who learn to leverage AI to make more money, scale their time, and outsource distractions. Today, Nicole is partnering with Eva Cicinyte to show you exactly how. Eva is the founder of GNOMI, an AI news agent designed to help people understand what matters in real time. Eva and Nicole break down why traditional news is broken beyond repair, how AI might actually be our best weapon against deepfakes, and why Eva built a feature that gives everyday investors access to the kind of real-time market intelligence that used to be reserved for Wall Street pros. Then, Eva and Nicole get raw about what it really takes to build a company while building a family. Eva reveals why she kept her pregnancy a secret and shares the story of the conference call she refused to hang up, even as she went intp labor. Try GNOMI and start with Finance Mode 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 with Eva:  00:00 Are You Ready for Some Money Rehab?  01:10 Why Traditional News is Broken  03:35 How Eva Turned an Unconventional Background Into a Superpower  10:00 The GNOMI Origin Story  13:42 Why Every Founder Should Vibe Code  15:02 GNOMI vs. ChatGPT: What's the Actual Difference?  20:15 Real-Time Financial News You Can Use  30:20 When You Need a Patent and What They Actually Cost  34:08 Raising Millions From One Investor  37:15 Will AI Kill Traditional News?  38:00 The Pregnancy She Kept Private  47:33 Raising Daughters in an AI World  52:30 Women in AI  54:18 The Future of News 55:00 Eva's Tip You Can Take Straight to the Bank

Jimmy Donaldson (aka Mr. Beast) built a billion dollar content empire on YouTube. Today, Nicole breaks down how he actually did it, and more importantly, what lessons retail investors can apply to their own portfolio. Nicole pulls back the curtain on the Mr. Beast business model: why his YouTube videos are actually loss leaders, how Feastables became the real money maker, and why he intentionally lost money on his Amazon deal.   And if you think none of this applies to you because you have no interest in going viral? Nicole closes with three concrete ways to invest in the creator economy right now, no camera required. 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 Mr. Beast By the Numbers 02:44 Jimmy Donaldson's Origin Story 04:13 How the Mr. Beast Business Model Actually Works 05:16 Economics of Feastables 06:00 The Beast Games Amazon Deal  08:08The $5.2 Billion Valuation  08:38 3 Ways to Invest in the Creator Economy 11:31 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.

Tax Day is right around the corner, and tax strategist Karlton Dennis is here to make sure you don't leave a single dollar on the table. Today he breaks down the legal loopholes that you can still take advantage of before the filing deadline and the long-game moves that can keep thousands in your pocket. Nicole and Karlton cover tax strategies for both W2 employees and entrepreneurs, how parents can use the tax code to build wealth for their kids and new deductions from the Big, Beautiful Bill that you should definitely be taking advantage of. Plus, Nicole and Karlton break down viral hacks like the Range Rover write-off, the Augusta Rule that lets you pay yourself tax-free, short-term rental deductions, and putting your kids on payroll.  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 Follow Karlton on Instagram and YouTube Work with Karlton Here's what Nicole covers with Karlton:  00:00 Are You Ready for Some Money Rehab?  02:00 Last-Minute Tax Moves Before the Filing Deadline  02:38 Bonus Depreciation and the Big Beautiful Bill  03:26 The Range Rover Write-Off: How the Math Actually Works  05:26 The Best Part of the Tax Code for Entrepreneurs  07:26 How Karlton Writes Off Clothing 08:38 When Should a Side Hustler Set Up an LLC?  10:45 IRS Red Flags  12:01 What Actually Happens During an IRS Audit  13:28 Why Karlton Thinks of the IRS Like a Dentist  15:09 How to Pay 0% in Income Taxes (And Why That's Not Always the Goal)  17:00 How Elon and Trump Avoid Taxes 18:02 Short-Term Rentals 101 25:35 The Augusta Rule: Pay Yourself $28K Tax-Free  28:28 Why Karlton Is Obsessed with S-Corps  30:19 The QBI Deduction and How to Maximize It  31:26 What to Think About When Forming an Entity  36:35 QSBS: The Exit Strategy That Could Save You $40M in Taxes  40:38 How to Make Your Kids Millionaires   44:53 The Backdoor Roth IRA Explained  46:10 Self-Directed Roths and the Peter Thiel Strategy  49:29 How to Get Tax Breaks for Watching Movies  53:36 The Tax Scam to Avoid Right Now: Charitable LLCs  55:27 Why AI Is Not Your Tax Advisor  50:07 Karlton's 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.

The price of oil is skyrocketing— and the ripple effects are spreading fast. Today, Nicole sits down with Lauren Simmons, former trader on the floor of the New York Stock Exchange, to break down exactly what's driving market volatility right now and what you should actually be doing with your money. Lauren and Nicole get into why the Petrodollar system is cracking, whether the U.S. dollar is still a safe haven (Lauren's honest answer might surprise you), and where big institutional investors are quietly moving their money. Lauren also opens up about her own portfolio — why she put 10% into gold and silver, why she's steering clear of Bitcoin, and her take on the AI bubble question. This episode was taped on 3.26.26. 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 Lauren's personal finance book Make Money Move Here's what Nicole covers with Lauren:  00:00 Are You Ready for Some Money Rehab? 00:18 Why Oil Prices Are Exploding Right Now  01:24 Why Americans Pay Global Oil Prices No Matter What  02:01 The Petrodollar System Explained  03:25 Is the Dollar's Reign as Safe Haven Over?  06:13 Why Volatile Markets Are Actually Wealth-Building Opportunities  07:35 Brent Crude 101  09:00 How Often Should You Actually Check Your Portfolio?  10:09 How Much Oil Should Be in Your Portfolio?  11:36 Why Lauren Is Skeptical of the Dollar Right Now  13:19 Gold, Silver, and Lauren's Actual Portfolio  15:06 How to Start Investing in Metals ETFs  15:55 Bitcoin: Bullish or Bearish?  17:10 The Crypto Wash Sale Rule Loophole Nicole Is Using  20:07 Could the Dollar Lose Reserve Currency Status?  22:00 International ETFs as a Dollar Hedge (VXUS)  22:12 Defense and Energy Stocks: XLE and Dividend Strategy  26:00 How to Invest With Your Values (ESG and Its Limits)  28:39 What Sectors Lauren Is Bullish On Right Now  29:00 Why Lauren Is Avoiding Pure-Play AI Stocks  31:00 Is There an AI Bubble?  33:00 The Energy Problem Powering (and Threatening) AI  34:53 Lauren Simmons' 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.

Today, Nicole debunks the most viral myths about inheritance and gift taxes, and walks you through exactly how these taxes work, when they actually kick in, and the totally legal strategies wealthy families use to pass on as much as possible to their heirs. Nicole breaks down the difference between gift tax, estate tax, and inheritance tax; explains the $19,000 annual gift exclusion and the $15 million lifetime exemption; and covers the states that will still come after you even when the IRS won't. Then she gets into the tools the ultra-wealthy use, like irrevocable trusts and Family Limited Partnerships, to legally minimize what they owe. Plus, she shares one simple, free move that anyone can make right now to protect their family's inheritance… no lawyer required. 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 TikTok's Inheritance Advice Is Wrong  00:53 Gift Tax 101: The $19,000 Annual Exclusion  02:24 Gift Splitting for Married Couples  02:48 The $15 Million Lifetime Exemption Explained  04:21 Estate Tax vs. Inheritance Tax: What's the Difference?  05:25 Which States Have Inheritance Tax?  05:47 How the Wealthy Minimize Estate Taxes 06:09 Irrevocable Trusts Explained  06:51 Family Limited Partnerships Explained  07:43 The IRS Isn't Out to Get You — But It Won't Help You Either  08:04 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 or investments.

Warren Buffett just stepped down as CEO of Berkshire Hathaway and the investing world is holding its breath. Today, Nicole breaks down the frameworks that turned a $1,000 investment in 1965 into over $30 million, and how you can apply them whether you have $100 or $100 million. She walks through the most iconic trades of Buffett's career, from Coca-Cola to Apple to his rare misses, and extracts seven timeless investing principles that have nothing to do with hot tips or market timing. Then Nicole turns to what's next: who is Berkshire's new CEO Greg Abel, what does he inherit, and what does a nearly $400 billion cash pile signal about Berkshire's future direction? 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 End of an Era: Buffett Retires  01:03 The $30 Million Case for Long-Term Investing  01:27 Buffett's Simple (But Not Easy) Framework  02:00 The Coca-Cola Investment and Brand Loyalty as a Moat  02:53 The McDonald's Play 03:16 The Apple Surprise 04:12 Buffett's Misses 04:59 7 Investing Lessons You Can Use Right Now  06:03 Enter Greg Abel: Berkshire's Next Chapter  06:55 The $400 Billion Question  07:32 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 or investments.

Pete Najarian is an NFL linebacker turned successful options trader and today he joins Money Rehab to break down exactly what's happening in the markets right now, where the big opportunities are hiding, and how to read the signals that the pros don't talk about on TV. Then Pete walks Nicole through a complete options crash course: calls vs. puts, covered calls, naked positions, spreads, and how Warren Buffett secretly uses options to build his biggest positions. He even pulls up Nicole's actual options account live and breaks down what he sees. Then the conversation gets deeper. Pete opens up about losing his dream home, whether he'd run for governor of Minnesota, and the surprisingly simple investing philosophy that's driven all of his success. 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 Follow Pete and learn more at Market Rebellion Here's what Nicole covers with Pete:  00:00 Are You Ready for Some Money Rehab?  01:33 Nicole and Pete's History on the Chicago Trading Floor  03:13 Wolf of Wall Street Era  07:20 Where Pete Is Bullish Right Now 09:30 How to Read Unusual Options Activity (UOA)  11:17 Options 101: Calls, Puts, and Plain English Explanations  12:46 How to Use Options as Portfolio Insurance  16:17 How Warren Buffett Actually Uses Options  18:18 Creating Your Own Dividend Stream with Covered Calls 22:17 Pete Reviews Nicole's Options Account  23:40 Insider Trading and Options  26:12 Are Options Just Gambling?  34:18 Pete's Rules for Protecting Yourself  42:48 Secure the Bag 49:00 Pete on Politics and the Future of Investing in Sports  52:23 Pete Najarian's Tip You Can Take Straight to the Bank All investing involves risk, including loss of principal. Options trading involves additional risks and is not suitable for all investors. 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.

Are we in an AI bubble? It's the trillion-dollar question — and depending on who you ask, you'll get completely opposite answers. Today, Nicole cuts through the noise and takes an honest look at what's actually happening inside the AI market right now. She breaks down why sky-high valuations on AI companies are giving investors serious dot com bubble déjà vu, the circular financing deals that are inflating demand, and why the fact that Nvidia drove roughly a fifth of the S&P 500's gains in 2025 should have every investor paying attention. But she also makes the case for why this moment is fundamentally different from 1999 and what that means for your portfolio. 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?  00:24 Both Sides of the AI Bubble Debate  00:44 How Much Money Is Actually Flowing Into AI  01:12 What Sky-High PE Ratios Really Mean  02:14 Dot Com Bubble Déjà Vu  03:32 Circular Financing 03:59 The Warren Buffett Market Indicator 04:19 What's Actually Different This Time  05:10 The Real Risks 05:36 Nicole's Honest Verdict  06:33 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 or investments.

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.