Podcasts about quickanddirtytips

1052. Thinking about helping your kids buy a home decades from now? Host Laura Adams answers a listener's question about the best ways to grow savings. You'll learn how inflation impacts long-term savings and which growth-oriented accounts offer the best return for long-term goals.Key Takeaways:For long-term goals, low-yield options like CDs carry risk due to inflation. Broad-market index funds (like an S&P 500 fund) offer higher returns that can keep pace with inflation.Opening a standard brokerage account in the parent's name allows money to grow in low-cost index funds without contribution caps or early withdrawal penalties. Parents are in complete control of when, how, or if the money is gifted.UGMA or UTMA accounts allow parents to invest on a child's behalf, and ownership legally transfers to the child when they reach adulthood.Families with children under 18 can utilize Trump Accounts, which allow up to $5,000 in annual tax-deferred contributions. Plus, those born from 2025 to 2028 are eligible for a $1,000 federal deposit. After age 18, a child's Trump Account converts to a traditional IRA. It can be converted into a Roth IRA by paying taxes on account earnings, which then allows more options for penalty-free withdrawals.Once a child has earned income, parents can match their earnings in a Roth IRA up to the annual limit ($7,500 in 2026). Contributions can be withdrawn anytime tax- and penalty-free for any use. After five years of account ownership, a Roth IRA allows up to $10,000 of earnings to be used penalty-free (but not tax-free) for a qualified first-time home purchase.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

1051. Are you worried about the rising cost of college? In celebration of College Savings Month, Laura compares the two main types of education accounts: 529 savings plans and 529 prepaid tuition plans. You'll learn their key differences and how to choose the right plan.Key TakeawaysBoth 529 savings and prepaid plans offer tax-free account growth and tax-free withdrawals when used for qualified education expenses.529 savings plans invest in market portfolios (like index funds) for higher growth potential, while prepaid plans lock in current tuition rates at state universities to hedge against rising costs.529 savings plans cover tuition, room, board, books, computers, trade schools, and up to $20,000 per year for K–12 tuition. Prepaid plans only cover tuition and mandatory fees at a preset in-state university.Unused funds in a 529 savings account open for at least 15 years can be rolled over tax-free into a Roth IRA for the beneficiary (up to a $35,000 lifetime cap).You can use both accounts to lock in prepaid tuition rates and a savings plan to cover many other qualified education expenses.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

573. You have a full life. People who love you. A calendar that barely has room to breathe. And somehow, underneath all of it, you still feel alone. Today Dr. Judy Ho unpacks the loneliness that nobody talks about — the kind that lives inside a full life — why it happens, what it's actually doing to your body, and three simple, evidence-based things you can start doing today to feel genuinely more connected.Have a mental health question? Email Dr. Judy's team at psychologist@quickanddirtytips.comFind Savvy Psychologist on Facebook and subscribe to the newsletter for more psychology tips.Watch on YouTube: www.youtube.com/@SavvyPsychologistMore from Dr. Ho on her other channels:Dr. Ho's website, Substack, LinkedIn.Savvy Psychologist is a part of Quick and Dirty Tips. Find a transcript at QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

1050. Buying a car can feel like a financial landmine. Host Laura Adams answers a listener's question about buying a car before starting his first job. You'll learn how to evaluate your current car, set a budget, secure financing, and find a great deal that doesn't wreck your financial goals!Key Takeaways:Compare a car's repair bill against months of new car payments and a potentially higher insurance premium before giving up on an older vehicle.To keep transportation costs affordable, follow the 20/4/10 rule to put 20% down, finance for no more than four years, and cap total expenses at 10% of income.Get an auto loan pre-approval before you start car shopping so you have an interest rate benchmark if a dealer offers financing.Request auto insurance quotes for different cars you're considering so you understand the cost before buying a vehicle.Focus negotiation on a vehicle's total purchase price rather than the monthly payments, which can be adjusted to include fees or longer loan terms.Leasing a car may make financial sense if you need a lower monthly payment, drive lower annual miles, prefer a new vehicle every few years, and don't care about building long-term equity.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

1049. Think building wealth requires a six-figure salary? Think again. Host Laura Adams breaks down five small, high-impact habits that lead to serious long-term wealth, regardless of your current income. You'll learn how to turn quiet daily routines into big financial freedom!Key TakeawaysWealth is built on consistency. Setting up automatic transfers to high-yield savings and retirement accounts eliminates the temptation to spend.Taking advantage of tax-advantaged accounts creates opportunities for growth and short- and long-term tax savings.Low-cost index funds combined with dollar-cost averaging offer a proven, stress-free path to long-term market growth.Using the debt avalanche method to target high-interest debt first yields a guaranteed return equal to the interest rate avoided.Income is what comes in; net worth is what stays. Regular updates to a net worth dashboard provide the truest measure of your financial progress.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

572. If you were ever told you were too sensitive, too intense, or that you feel things too much — this episode is for you. The Highly Sensitive Person trait affects 15–30% of the population, shows up in over 100 animal species, and has measurable differences on brain scans. It is not a flaw. This week Dr. Judy Ho breaks down what HSP actually is, what makes the HSP brain genuinely different, the strengths that almost never get named, and three tools for thriving as an HSP rather than just surviving.Have a mental health question? Email Dr. Judy's team at psychologist@quickanddirtytips.comFind Savvy Psychologist on Facebook and subscribe to the newsletter for more psychology tips.Watch on YouTube: www.youtube.com/@SavvyPsychologistMore from Dr. Ho on her other channels:Dr. Ho's website, Substack, LinkedIn.Savvy Psychologist is a part of Quick and Dirty Tips. Find a transcript at QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

912. Your boss used to have answers. Now they've got questions. It feels destabilizing - but Rachel makes the case that this is the opening of a lifetime. When certainty disappears, the old rules about who has the answers go with it. Four bold moves for a moment that's wide open.Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Find more from Rachel at LeadAboveNoise.com.Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com Hosted on Acast. See acast.com/privacy for more information.

1048. Receiving an inheritance can be a life-changing financial event, but passing a portion of those funds along to family members comes with a unique set of tax rules. Host Laura Adams breaks down the federal tax consequences of sharing an inheritance. You'll learn how inherited assets are taxed at receipt, how the federal annual gift tax exclusion works, and smart tax-free strategies to help your loved ones without triggering extra tax paperwork.Key Takeaways:Receiving plain cash or life insurance proceeds does not trigger federal income tax, and you do not need to report it on your federal return. However, a gift giver could owe state tax depending on where they live. As a gift giver, you can exclude up to $19,000 per person per year (or $38,000 if married) without reporting it. Gifts above the exclusion simply require filing IRS Form 709 to count against your $15 million lifetime exemption, meaning almost no one owes actual gift tax.Inheriting property or taxable investments adjusts the asset's cost basis to its fair market value on the owner's date of death, erasing past appreciation.If you want to pay tuition or medical bills directly for someone else, it does not count toward your $19,000 annual exclusion or require Form 709 reporting.You can superfund a 529 savings plan for someone else and use five years' worth of annual exclusions at once.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

1047. Host Laura Adams cuts through the confusion and explains the basics of Medicare for anyone approaching 65 or helping a relative compare options. You'll learn how parts of Medicare work, which expenses Medicare doesn't cover, how to fill insurance gaps, avoid lifetime penalties, and the truth about costly Medicare myths.Key Takeaways:Medicare Part A covers hospital and inpatient care (premium-free for most), while Part B covers doctor visits and outpatient services for a monthly premium ($202.90 in 2026).Medicare Advantage (Part C) is an all-in-one alternative that bundles Parts A, B, and usually D into a single plan with network restrictions and out-of-pocket caps, often adding basic dental and vision coverage.Original Medicare doesn't cover long-term care such as assisted living or nursing home stays, or routine dental, vision, and hearing care.Medigap protects against out-of-pocket costs, such as deductibles and 20% coinsurance left behind by Original Medicare, but it cannot be combined with Medicare Advantage.Missing your Initial Enrollment Period triggers lifetime penalties unless you have active, creditable employer health coverage. Enrollment isn't automatic unless you already receive Social Security benefits when you turn 65. Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

571. The trial of Lindsay Clancy — the Massachusetts mother who allegedly strangled her three young children and says she was in the grip of postpartum psychosis — has reopened a conversation the public has been getting wrong for years. Baby blues, postpartum depression, and postpartum psychosis are three completely different conditions. Only one is a psychiatric emergency. This week Dr. Judy Ho explains the clinical distinctions, the warning signs that loved ones and clinicians miss, the systemic failures that allow this illness to go untreated, and the forensic question at the center of the trial: can a person be both sick and responsible?Have a mental health question? Email Dr. Judy's team at psychologist@quickanddirtytips.comFind Savvy Psychologist on Facebook and subscribe to the newsletter for more psychology tips.Watch on YouTube: www.youtube.com/@SavvyPsychologistMore from Dr. Ho on her other channels:Dr. Ho's website, Substack, LinkedIn.Savvy Psychologist is a part of Quick and Dirty Tips. Find a transcript at QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

911. You can spend an entire day on video calls and still not have one real conversation. The connection that used to come free with the office doesn't come free anymore. After a trip to California wine country, Rachel Cooke found herself fixated less on the wine than on the village each winery had built around itself, and on what that says about connection in a remote, global, AI-driven workplace. Three reasons to build your own village, on purpose.Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Find more from Rachel at LeadAboveNoise.com.Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

1046. Did your teenager earn money from a summer or part-time job? Laura answers a listener's question about two tax-advantaged savings accounts for minors: the Roth IRA and the new Trump Account. You'll learn how both accounts work and where working teens or their parents should put their hard-earned dollars first.Key Takeaways:Minors can have a custodial Roth IRA when they earn income from W-2 employment or self-employment and contribute up to $7,500 or 100% of earned income, whichever is less.A Section 530A Trump Account can be opened for kids under 18 regardless of whether they earn income, and contributions can total $5,000 annually.A Roth IRA offers tax-free growth and tax-free withdrawals in retirement.A Trump Account grows tax-deferred, and once the owner turns 18, it becomes a traditional IRA, with distributions taxed (except for contributions that were previously taxed).Parents or relatives do not need to use a minor's money to fund a Roth IRA; they can match or make an eligible contribution for the minor.After age 18, doing a Roth conversion on an old Trump Account is a wise move to lock in tax-free growth forever.Eligible working minors can max out a Custodial Roth IRA up to their earnings limit and receive up to $5,000 in a Trump Account from family, friends, or employers in the same tax year.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

1045. Are you taking full advantage of tax-free retirement growth? While both workplace Roth plans and Roth IRAs offer tax-free growth, they come with vastly different eligibility limits, withdrawal rules, and investment options. Laura breaks down the key Roth differences so you can decide which option is right for you. Key Takeaways:You can contribute up to $24,500 to $32,750 in a workplace Roth for 2026—over triple the $7,500 to $8,600 limit for a Roth IRA, depending on your age.Roth contributions make sense if you believe your income or tax rate will be higher in the future when you can take tax-free withdrawals. High earners who exceed the 2026 Roth IRA MAGI limits can not make full contributions to a Roth IRA. You can withdraw 100% of your original Roth IRA contributions anytime, tax- and penalty-free, but that's not possible with a workplace Roth. A Roth IRA offers better investment choices and early liquidity compared to a workplace Roth. Workers over 50 and earning over $150,000 in prior-year wages must make any workplace catch-up contributions on a post-tax Roth basis.Most investors should prioritize contributions to a workplace retirement plan to receive 100% of any employer match.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

570. People constantly tell Billy Eichner he's fearless, and they always want to know how he does it. In Savvy Psychologist's first-ever interview episode, Dr. Judy Ho sits down with the comedian behind "Billy on the Street" and "Parks and Recreation" to trace that boldness back to its source, and it isn't the one you'd expect. There's a stubborn myth that artists have to suffer to be great, but Billy's story is the opposite: two middle-class parents in a small Queens apartment who never instilled an ounce of shame in him and leaned all the way into who he was. His new audio memoir, "Billy on Billy," reveals how feeling completely safe and accepted as a kid is what gave him permission to take risks and become fully himself. The reframe at the heart of it: real confidence is built by love, not forged through pain. Listen to "Billy on Billy: An Audio Memoir" Have a mental health question? Email Dr. Judy's team at psychologist@quickanddirtytips.comFind Savvy Psychologist on Facebook and subscribe to the newsletter for more psychology tips.Watch on YouTube: www.youtube.com/@SavvyPsychologistMore from Dr. Ho on her other channels:Dr. Ho's website, Substack, LinkedIn.Savvy Psychologist is a part of Quick and Dirty Tips. Find a transcript at QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

910. What do you do when there's no template for the career you want, no obvious next step, and no one waiting to hand you the opportunity? Comedian, actor, and writer Billy Eichner built his entire career by refusing to wait to be chosen. In this conversation, he and Rachel Cooke get into how you bet on yourself when the path doesn't exist yet, how to keep going through constant rejection without letting it paralyze you, and why the wish to be chosen never fully goes away, even after you've made it.Billy is the force behind "Billy on the Street," a co-writer and star of "Bros," and a familiar face from "Parks and Recreation" and "The Lion King." Here he opens up about his new audio memoir, "Billy on Billy," the parents who built his confidence by never instilling shame in him, the artists like Madonna and Barbra Streisand who taught him defiance, and his belief that success can come from love rather than trauma. If you're trying to go off script and build something no one else can see yet, this one will give you the nerve.Listen to "Billy on Billy: An Audio Memoir" Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Find more from Rachel at LeadAboveNoise.com.Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

1044. Are rising healthcare costs ruining your budget? Laura answers a listener's question about how to maximize every tax advantage available for healthcare costs. You'll learn the rules for deducting them on your tax return or paying them with tax-advantaged savings accounts like HSAs and FSAs. We'll cover which expenses are tax-free and simple strategies to optimize your healthcare spending.Key Takeaways:You can only claim the medical tax deduction if you itemize deductions on Schedule A instead of claiming the standard deduction on your tax return.You can only deduct unreimbursed healthcare expenses that exceed 7.5% of your adjusted gross income (AGI), making the medical deduction best for years with high medical bills.Tax-advantaged medical savings accounts are powerful because they allow you to save 20% to 35% on qualified costs without claiming a medical deduction.Health savings account (HSA) balances roll over forever, can be invested for tax-free growth, and can be withdrawn penalty-free for non-medical expenses after age 65 (subject to ordinary income tax).Flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs) are employer-sponsored perks for cutting healthcare costs.You cannot claim an itemized medical deduction on Schedule A for any healthcare expense paid for or reimbursed using pre-tax funds from an HSA, FSA, or HRA.Lawmakers have expanded HSA, FSA, and HRA qualified expenses to cover various over-the-counter (OTC) medications and products.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

1043. Dreaming of your next getaway, but need to do it on a budget? Laura demystifies the world of “travel hacking” for complete beginners. You'll learn how to leverage everyday spending to earn valuable reward points, maximize their redemption value for free travel, and strategically use credit cards without hurting your credit scores or accumulating debt. This is your secret weapon to travel more for a fraction of the cost.Key Takeaways:Travel hacking isn't about buying things you don't need, but routing daily bills, groceries, and gas through rewards cards to earn a "rebate" on your regular budget.High interest rates on rewards cards can wipe out the value of any points earned. If you carry a balance, travel hacking doesn't work.Various bank currencies like Chase Ultimate Rewards, Amex Membership Rewards, and Capital One Miles are transferrable, giving you freedom.Instead of shopping directly on a retailer's site, use a shopping portal that allows you to stack rewards on top of card points.Redeeming points for cash back or merchandise usually yields less than 1 cent per point, which gives you a low value.Transferring points directly to airline and hotel loyalty programs, especially during bonus promotions, can boost their value significantly.Once you have bank cards with flexible rewards, add specific airline or hotel cards (like Hyatt or Delta) to unlock status, free checked bags, and annual free-night certificates.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

569. It's midnight. You're exhausted. You have to be up in six hours. And you are absolutely not going to bed yet. Sound familiar? There's a name for it — and it's not laziness. Revenge bedtime procrastination is what happens when your brain decides that staying up is the only way to get something back after a day that felt completely out of your control. This week Dr. Judy Ho breaks down the psychology and neuroscience behind why we do this, including the surprising cortisol effect that means ignoring your first wave of tiredness can keep you awake an extra 60 to 90 minutes, and how to actually break the cycle.Have a mental health question? Email Dr. Judy's team at psychologist@quickanddirtytips.comFind Savvy Psychologist on Facebook and subscribe to the newsletter for more psychology tips.Watch on YouTube: www.youtube.com/@SavvyPsychologistMore from Dr. Ho on her other channels:Dr. Ho's website, Substack, LinkedIn.Savvy Psychologist is a part of Quick and Dirty Tips. Find a transcript at QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

909. Your strategy is sound. Your people are talented. Everyone's working harder than ever. So why aren't the results showing up? Rachel makes the case that when work breaks down, we inspect the people when we should be inspecting the work - and shares four questions that reveal the hidden friction quietly taxing your team.Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Find more from Rachel at LeadAboveNoise.com.Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

On a road trip, tackling a summer cleanup, or just catching up on podcasts? QDT has you covered with Summer Saturday encores from your favorite shows. See the full Summer Saturday lineup on Spotify and enjoy this episode, which first aired in September 2020.Episode 616 - Burnout is more than just a feeling—untamed, it can pose a real medical risk. Dr. Greg Hammer, an intensive care physician, Stanford University professor, and author of the book GAIN Without Pain: The Happiness Handbook for Medical Professionals, shares his simple, medically-backed framework for conquering burnout and finding your healthier, happier place.Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Find more from Rachel at LeadAboveNoise.com.Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

941. Should you buy a rental property before your first home? Laura answers a listener's question about the pros and cons of 'house hacking' as an investment strategy — including how much you really need to save, what lenders require for investment properties, and whether becoming a landlord first is actually a smart path to building wealth. Discover more from Money Girl!FacebookMoney Girl NewsletterThe Money Stack NewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

1042. Laura Adams interviews Mark Notarainni, an 18-year veteran at Intuit, to explore how integrated platforms and artificial intelligence (AI) are revolutionizing personal finance. Find out how combining tax data, credit histories, and everyday spending can help you take control of your financial life.Key Takeaways:Connecting your tax, credit, and spending data into a single ecosystem gives you a complete picture of your financial health and can improve decision-making.Credit Spark allows you to build credit history through routine payments, such as utility and cell phone bills, that typically don't get added to your credit reports.Using a tool like Card Optimizer can help you identify and claim credit card perks, such as cash back and travel rewards. Don't wait until January or April to think about your taxes. Mid-year is the perfect time to audit your bookkeeping, organize expenses, and avoid costly year-end tax surprises.Use AI as an assistant to synthesize complex financial data, find savings opportunities, and present actionable choices, but you should always maintain control over your money decisions.Discover more from Money Girl!FacebookMoney Girl NewsletterThe Money Stack NewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

568. You know that feeling. Five minutes with a certain person and you need a three-hour nap. You leave the conversation and realize you've given everything while receiving nothing. Energy vampires are real — and the science behind why they drain you is more interesting than the term suggests. This week Dr. Judy Ho unpacks the psychology of emotionally depleting relationships: what's actually happening in your brain and body during these interactions, why some people are far more vulnerable than others, what distinguishes the unconscious drainer from the deliberate one, and three tools to protect yourself without becoming someone who cuts off everyone who's ever had a hard day.Have a mental health question? Email Dr. Judy's team at psychologist@quickanddirtytips.comFind Savvy Psychologist on Facebook and subscribe to the newsletter for more psychology tips.Watch on YouTube: www.youtube.com/@SavvyPsychologistMore from Dr. Ho on her other channels:Dr. Ho's website, Substack, LinkedIn.Savvy Psychologist is a part of Quick and Dirty Tips. Find a transcript at QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

697. We get a lot of mixed messaging when it comes to managing the tension between speed and efficiency. We need to be sure—to have the data, to have done the research and the analysis before deciding or implementing. But also, we need to be agile, move quickly, test-and-learn, and not fall into analysis-paralysis. How do we find the middle ground?Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Find more from Rachel at LeadAboveNoise.com.Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com. The episode transcript can be found here. Hosted on Acast. See acast.com/privacy for more information.

On a road trip, tackling a summer cleanup, or just catching up on podcasts? QDT has you covered with Summer Saturday encores from your favorite shows. See the full Summer Saturday lineup on Spotify and enjoy this episode, which first aired in February 2020.Episode 582: Saying "no" is actually makes you more successful at work. These essential strategies will help you set workplace boundaries with grace. Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Find more from Rachel at LeadAboveNoise.com.Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

1041. If you have extra cash, should you pay off a low-interest mortgage or invest it? Laura answers a listener's question about balancing financial math with the emotional peace of mind that comes from being mortgage-free.Key Takeaways:Paying off a debt yields a guaranteed return equal to your loan's interest rate.Make sure you have a healthy emergency fund before making extra debt payments.Consistently investing 10% to 15% of your income for retirement and capturing any employer matching should take priority over prepaying a low-interest debt.Eliminate high-interest debt, like credit cards, as soon as possible. Low-interest, tax-deductible debt, such as a mortgage should be your lowest payoff priority.Younger investors benefit from decades of compounding market returns, while pre-retirees should focus on preserving wealth and reducing living expenses.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

1040. Laura explains the hidden risks of canceling credit card accounts. You'll learn how credit utilization works, when closing an account is and isn't worth it, and how to protect your credit if you do decide to close a credit card. Key takeaways:Closing a credit card shrinks your available credit, which causes your credit utilization ratio to spike, resulting in an immediate reduction in your credit scores.Canceling a card you've owned for a while lowers your average age of credit, which can lower your scores. Before canceling a high-fee card, consider applying for a replacement so you maintain your total available credit and won't see your credit scores go down.If you don't want a card or its annual fee outweighs the perks, closing it can be worth a temporary credit score dip–unless you plan to make a significant purchase, like a car or home, within the next six months.If you're not disciplined with credit cards, closing them can be worthwhile to prevent overspending and future financial problems.Discover more from Money Girl!FacebookMoney Girl NewsletterThe Money Stack NewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

567. There's a voice in your head that has opinions about everything you do — and most of them are unkind. It replays your mistakes. It pre-edits your ideas before you even say them. It tells you that you're too much, not enough, or both at once. This week Dr. Judy Ho unpacks the inner critic: where it comes from, why it's louder for some people than others, what the neuroscience says about why it's so hard to shut up — and three evidence-based tools to change your relationship with it for good.Have a mental health question? Email Dr. Judy's team at psychologist@quickanddirtytips.comFind Savvy Psychologist on Facebook and subscribe to the newsletter for more psychology tips.Watch on YouTube: www.youtube.com/@SavvyPsychologistMore from Dr. Ho on her other channels:Dr. Ho's website, Substack, LinkedIn.Savvy Psychologist is a part of Quick and Dirty Tips. Find a transcript at QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

909. Blake Mycoskie built TOMS into a $600 million brand and gave away more than 100 million pairs of shoes — then fell into a seven-year battle with clinical depression after selling the company. He talks with Rachel Cooke about why outward success never made him feel like enough, the limiting belief that drove him for decades, and the small, everyday practices — not the dramatic interventions — that finally pulled him through. He also shares what he's learned interviewing guests like Matthew McConaughey, Kevin Love, and Jewel (whose memoir "Never Broken" he recommends) on his mental wellness podcast "No Magic Pill," plus the story behind Enough, the brand he founded to fund mental health organizations. If you're a high performer who ties your worth to your latest win, this conversation is for you.Content note: this episode discusses depression and suicidal ideation.Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Find more from Rachel at LeadAboveNoise.com.Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

On a road trip, tackling a summer cleanup, or just catching up on podcasts? QDT has you covered with Summer Saturday encores from your favorite shows. See the full Summer Saturday lineup on Spotify and enjoy this episode, which first aired in July 2024.Take stock of your finances with Laura's mid-year checklist for more money success.Money Girl is hosted by Laura Adams. A transcript is available at QuickandDirtyTips.comHave a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at 302-365-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links: https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDThttps://twitter.com/LauraAdamshttps://lauradadams.com/ Hosted on Acast. See acast.com/privacy for more information.

On a road trip, tackling a summer cleanup, or just catching up on podcasts? QDT has you covered with Summer Saturday encores from your favorite shows. See the full Summer Saturday lineup on Spotify and enjoy this episode, which first aired in April 2020.Episode 594: In times of crisis, negative thoughts lurk around every corner. Use these techniques to rediscover your optimism and bump up your productivity.Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Find more from Rachel at LeadAboveNoise.com.Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

1039. Laura answers a listener's question about managing multiple 401(k)s with her current and previous employers. Find out the pros and cons of holding old retirement plans, how to streamline your strategy, and simultaneously reach other financial goals, like homeownership.Key takeawaysConsolidating old retirement plans into one low-cost IRA or your current employer's plan simplifies your asset allocation and protects your retirement growth from redundant account fees.Always request a direct trustee-to-trustee rollover when moving funds between retirement accounts to eliminate the risk of missing the strict 60-day deadline.Workplace retirement plans offer federal protection against creditors with no dollar limit. IRAs are protected by state-specific laws, making plan-to-plan rollovers an attractive choice for those prioritizing maximum creditor protection. First-time homebuyers can withdraw up to $10,000 penalty-free (but not tax-free) from an IRA ($20,000 for qualifying married couples) for a primary residence.Early retirement withdrawals for a home down payment should generally be secondary to building a dedicated home down payment savings fund.Discover more from Money Girl!FacebookMoney Girl NewsletterThe Money Stack NewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

1038. Are you thinking about buying your first home but feeling overwhelmed by interest rates, upfront costs, and hiring a real estate agent? Host Laura Adams walks you through 9 tips every first-time homebuyer must know to protect their finances and land the right deal.Key Takeaways:How subtle changes in your credit score can save (or cost) you tens of thousands in today's rate environment.Most mortgage underwriters look for a maximum debt-to-income ratio of 45% to 50%, which includes your existing debts plus the new estimated housing payment.Hidden homeownership expenses—from surging insurance premiums to HOA fees.You should budget 2% to 5% extra for closing costs beyond your down payment to cover loan origination, appraisals, taxes, insurance reserves, and title fees.Why you need an additional 5% of a home's purchase price saved on top of your down payment.A prequalification provides a loose baseline for house hunting, but you need a verified preapproval before making official offers on properties.Contract contingencies, such as financing, appraisal, and home inspections, safeguard your earnest money deposit if unmanageable structural defects arise.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

873. Colonoscopy prep flushes everything out of your large intestine, including the trillions of bacteria that make up your gut microbiome. So once it's over, is that a chance to rebuild your intestinal flora better than before? A listener named Fred wondered the same thing, and when he asked his gastroenterologist, the idea got pooh-poohed. In this episode, Monica digs into what colonoscopy prep actually does to your gut bacteria, how quickly a healthy microbiome bounces back, and whether that reshuffling opens a real window to influence which species take hold. She shares her common-sense approach to restoring gut flora afterward, from the fiber-rich foods that feed beneficial bacteria to the fermented foods linked with greater microbiome diversity, plus the two things worth easing off while your gut recovers. And she weighs in on whether probiotic supplements are worth your money or just wishful thinking.Nutrition Diva is a Quick and Dirty Tips podcast, hosted by Monica Reinagel.New to Nutrition Diva? Check out our special Spotify playlist for a collection of the best episodes curated by our team and Monica herself! We've also curated some great playlists on specific episode topics including Staying Strong as We Age, Diabetes, Weight Loss That Lasts and Gut Health! Also, find a playlist of our bone health series, Stronger Bones at Every Age. Have a question for Nutrition Diva? Email: nutrition@quickanddirtytips.comFind Monica at wellnessworkshere.comDiscover more from Nutrition Diva:Facebook LinkedInNewsletterTranscripts available at QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

566. You got the promotion, the degree, the recognition — and still you're waiting for someone to figure out you don't actually belong there. That feeling has a name, a neuroscience, and — surprisingly — a silver lining. This week Dr. Judy Ho unpacks imposter syndrome: why even the most confident people feel it, where it shows up beyond the workplace, how it presents differently across genders, and why it might secretly be one of the engines behind your best work. Plus three tools to stop it from running the show.Have a mental health question? Email Dr. Judy's team at at psychologist@quickanddirtytips.comFind Savvy Psychologist on Facebook and subscribe to the newsletter for more psychology tips.Watch on YouTube: www.youtube.com/@SavvyPsychologistMore from Dr. Ho on her other channels:Dr. Ho's website, Substack, LinkedIn.Savvy Psychologist is a part of Quick and Dirty Tips. Find a transcript at QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

907. When should your team reflect on what went wrong, and when should you just move on? Rachel Cooke uses Ted Lasso's "be a goldfish" mantra to unpack the balance between looking back and looking ahead, then shares five questions—three that mine the past, two that aim at the future—to help your team do both intentionally. Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Find more from Rachel at LeadAboveNoise.com.Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

On a road trip, tackling a summer cleanup, or just catching up on podcasts? QDT has you covered with Summer Saturday encores from your favorite shows. See the full Summer Saturday lineup on Spotify and enjoy this episode, which first aired in Jne 2021.Episode 654: Greg McKeown, bestselling author of Essentialism and Effortless, joins the Modern Mentor podcast to share his wisdom on making things simpler, smaller, and generally more effective.Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Find more from Rachel at LeadAboveNoise.com.Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

795. Laura answers a listener question about how to invest in a brokerage account, including the rules you need to know and the best strategy for diversification.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

1037. What actually happens legally and financially when you say "I do"? Laura Adams interviews veteran New York City divorce trial lawyer Jim Sexton about the often misunderstood world of matrimonial law. Whether you are happily single, engaged, or decades into a marriage, Jim's advice will completely change how you view love, risk, and asset management.Key takeaways:Be aware that if you don't create your own prenuptial agreement, the state's default laws will apply at the time of a divorce.Keeping a baseline of financial privacy and separate funds alongside a joint account can clarify your intentions in a divorce. When dating, pay attention to someone's risk tolerance so you understand how they feel about debt, gambling, or anything that could stress a family.Even in the most trustworthy relationships, completely relying on a spouse to manage money is dangerous because an unexpected crisis could arise.The secret to successful long-term relationships isn't flashy; it's a series of small, consistent habits like regular check-ins, communication, and proactive financial transparency that prevent misery before it starts.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

565. You've always been this way. You've just gotten better at hiding it. Adult ADHD is one of the most underdiagnosed and misunderstood conditions in mental health — particularly in women, high-achievers, and anyone who learned to compensate before anyone noticed. This week, Dr. Judy Ho cuts through the myths, explains how adult ADHD differs from the childhood version, clarifies what the diagnostic criteria actually require, and offers three evidence-based attention-training tools you can start using today.Have a mental health question? Email Dr. Judy's team at at psychologist@quickanddirtytips.comFind Savvy Psychologist on Facebook and subscribe to the newsletter for more psychology tips.Watch on YouTube: www.youtube.com/@SavvyPsychologistMore from Dr. Ho on her other channels:Dr. Ho's website, Substack, LinkedIn.Savvy Psychologist is a part of Quick and Dirty Tips. Find a transcript at QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

906. Leaders are frustrated that teams aren't delivering. Teams are exhausted and hitting walls. And the instinct is to pull harder. But the real work is finding the knots leadership has inadvertently tied, and undoing them one at a time. In this episode, Rachel talks about the unsexy work that actually unlocks speed.Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Find more from Rachel at LeadAboveNoise.com.Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

Summer Saturdays: Best of QDT Encore Episode: This episode originally aired January 2020.581. Running all-out all the time is the sure path to burnout. Productivity happens when you know how to use your energy wisely.Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

1036. Is Social Security in trouble, or is it just a lot of political noise? Laura answers a listener's question about what the changes to the retirement fund mean for your financial future. You'll learn the new tax caps that employees and the self-employed must pay and how to protect your retirement safety net.Key takeawaysAccording to the latest 2026 Trustees Report, the Social Security retirement fund is now projected to face a shortfall by 2032, sooner than previous estimates.The Social Security wage base has increased to $184,500 for 2026. High earners will pay a maximum of $11,439 as employees, while the self-employed face a maximum cap of $22,878.Retirement benefits for Social Security participants are based on your highest 35 years of earnings.While you can claim benefits as early as age 62, doing so permanently reduces your benefits by about 30%. Delaying benefits past your Full Retirement Age (FRA) pays 8% more per year until age 70.Social Security benefits may be taxable if your "combined income" (AGI + tax-exempt interest + 50% of benefits) exceeds modest thresholds.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

1035. Host Laura Adams sits down with Plannie founder Annie Lee to expose the most common financial pitfalls couples make. Annie breaks down the "macro approach" to wedding design, explaining how to test-drive a planner and focus your budget for a luxury feel at a fraction of the cost. Key takeaways:Why overinvesting in a wedding venue is the most common budget mistake.How to focus on event expenses that are impactful and instantly set the mood for guests.Why locking in the lowest number of guests on catering and venue contracts is wise.Leave a buffer in your budget for overlooked expenses, such as administrative fees, taxes, and tips, which can drive your final bill up by 30%.How Plannie's hourly expert consultants can help tackle budget creation, contract reviews, day-of timeline coordination, and much more.Working with a Plannie consultant on one or two small hourly assignments (like a venue search or budget review) to test their communication, speed, and compatibility is wise before making a full commitment to work together.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

872. Social media is full of alarming food lists: staples a cancer survivor swore off, ingredients a nutritionist says to toss immediately. In this episode, Monica works through three listener questions that share a common thread -- microwave popcorn and PFAS, microplastics in chewing gum, and whether mold makes oatmeal a risk. She sorts the legitimate concerns from the inflated ones, and explains why cooking your oats for 10 minutes won't do what a viral claim promises.Related Episodes480 - Can Xylitol prevent bone loss?856 - Is coffee mold actually making you sick?Nutrition Diva is a Quick and Dirty Tips podcast, hosted by Monica Reinagel.New to Nutrition Diva? Check out our special Spotify playlist for a collection of the best episodes curated by our team and Monica herself! We've also curated some great playlists on specific episode topics including Staying Strong as We Age, Diabetes, Weight Loss That Lasts and Gut Health! Also, find a playlist of our bone health series, Stronger Bones at Every Age. Have a question for Nutrition Diva? Email: nutrition@quickanddirtytips.comFind Monica at wellnessworkshere.comDiscover more from Nutrition Diva:Facebook LinkedInNewsletterTranscripts available at QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

564. You already know attachment styles exist. But do you know what yours sounds like? In this episode, Dr. Judy Ho goes beyond the quiz results and into the actual self-talk running beneath the surface — the quiet inner monologue that drives your relationship patterns, your emotional reactions, and the way you see yourself. Drawing from her book The New Rules of Attachment, Dr. Judy introduces four renamed attachment styles, their signature self-statements, and three evidence-based tools to start rewriting the operating system.Have a mental health question? Email Dr. Judy's team at at psychologist@quickanddirtytips.comFind Savvy Psychologist on Facebook and subscribe to the newsletter for more psychology tips.Watch on YouTube: www.youtube.com/@SavvyPsychologistMore from Dr. Ho on her other channels:Dr. Ho's website, Substack, LinkedIn.Savvy Psychologist is a part of Quick and Dirty Tips. Find a transcript at QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

905. Everyone's maxxing something now. Their sleep, their skin, their fiber, even their jawline. But underneath the ring lights, each of these trends is quietly teaching a real principle about getting better at something. This week, Rachel Cooke builds the trend nobody's named yet, successmaxxing, by stealing the smartest lesson from five maxxing trends and pointing it straight at your career.Modern Mentor is a Quick and Dirty Tips Podcast, hosted by Rachel Cooke!Find more from Rachel at LeadAboveNoise.com.Have a question for Modern Mentor? Email: modernmentor@quickanddirtytips.com Discover more from Modern Mentor!FacebookLinkedInNewsletterTranscripts available on your podcast app or QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.

1034. Watching the young adults in your life navigate their first "real" job is an exciting milestone—but it can also be stressful if you notice them carrying credit card debt or skipping out on savings. Laura answers a heartfelt question on this topic with five non-judgmental strategies to guide a young person toward financial success without sounding overbearing. Key takeawaysTo help a young adult improve their personal finances, trade lectures for personal storytelling, like sharing your money blunders.Ensure a first-time Gen Z earner understands that paying only the minimum on high-interest debt is a trap that escalates the cost of original purchases.Frame credit cards as sophisticated financial tools with excellent benefits that need to be handled carefully, such as with automated payments to avoid interest.Investing when you're young allows you to build wealth for less out-of-pocket than waiting until you earn more. Not maximizing an employer's retirement match is like turning down a salary raise for no extra work.Ask open-ended questions about a young adult's lifestyle goals, workplace benefits, and day-to-day spending shocks rather than telling them how to budget.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

1033. Host Laura Adams sits down with family law attorney Cari Rincker to unpack the crucial intersection of love, law, and your wallet. Cari reveals why every couple already has a prenuptial agreement (whether they signed one or not) and discusses legal differences between states for divorce. You'll learn how to protect your assets, open the lines of communication, and build a secure financial future together.Key TakeawaysWhy your state's default divorce laws may not be the prenuptial agreement you want in force if you break up.Start the prenup process at least three months before your wedding to ensure ample time for financial disclosures and any tough conversations.In states with equitable division (like Illinois and New York), assets are divided in divorce based on factors the courts use to determine what's “fair.”In community property states (like California and Arizona), there is a more straightforward split of assets and liabilities than in equitable states.The laws of the state where you actually file for the dissolution of the marriage are what will apply, not where you got married.Be sure you have access to your household's financial records, including tax returns, bank statements, and online account logins.To save on the steep emotional and financial costs of a divorce or asset negotiation, couples should avoid fighting over minor details and instead focus their energy on their highest-priority issues.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

871. Your doctor says your LDL is too high and you'd rather change your diet than take a pill. The Portfolio Diet promises results that rival statin drugs -- but wait until you hear what it actually takes to follow it. Nutrition Diva breaks down the science, the evidence, and the real-world catch. References:Effects of a Dietary Portfolio of Cholesterol-Lowering Foods vs Lovastatin on Serum Lipids and C-Reactive Protein | Cardiology | JAMA | JAMA Network Assessment of the longer-term effects of a dietary portfolio of cholesterol-lowering foods in hypercholesterolemia - ScienceDirect Related Episodes:560 - Fiber 2.0—Fiber's New Science of Health-Boosting Benefits 592 - Is Soy Healthy or Harmful?260 - What Are Phytosterols?Nutrition Diva is a Quick and Dirty Tips podcast, hosted by Monica Reinegal.New to Nutrition Diva? Check out our special Spotify playlist for a collection of the best episodes curated by our team and Monica herself! We've also curated some great playlists on specific episode topics including Staying Strong as We Age, Diabetes, Weight Loss That Lasts and Gut Health! Also, find a playlist of our bone health series, Stronger Bones at Every Age. Have a question for Nutrition Diva? Email: nutrition@quickanddirtytips.comFind Monica at wellnessworkshere.comDiscover more from Nutrition Diva:Facebook LinkedInNewsletterTranscripts available at QuickandDirtyTips.com. Hosted on Acast. See acast.com/privacy for more information.