Explorez tous les épisodes du podcast HerMoney with Jean Chatzky

AI was supposed to make life easier. So why do so many of us feel busier and more overwhelmed than ever? Axios co-founder Roy Schwartz joins Jean Chatzky to talk about his new book Simplify: Do 50% More with 50% Less. They dig into why AI is adding complexity instead of removing it, and how to push back at work, with your money, and in how you structure your days. In this episode: Why you should treat AI like “the smartest intern ever,” but on day one How to use AI as an executive coach to audit your meetings How to brief an AI chatbot when talking to it about your money goals The four things that drive health, happiness, and longevity Jean is hosting a free Forever Paycheck book club November 17th at 7 ET. Sign up here!  Learn more about your ad choices. Visit megaphone.fm/adchoices

The entire American retirement system was built for people with a steady employer, a predictable paycheck, and benefits that are easy to opt in to. But that’s just not how a huge number of people make money anymore. Freelancers, consultants, gig workers, seasonal workers, and side-hustlers are building their financial lives without a 401(k) match or a biweekly deposit, and “just save more” won’t cut it. Jean talks with AJ Ayers, CFP®, co-founder of Brooklyn Fi and author of Creative Money. AJ shares practical, realistic advice for artists, freelancers, and solopreneurs, whether you chose self-employment or the job market chose it for you. In this episode: How to set up your finances when you go out on your own How self-employment differs in your 50s versus your 30s How much to keep in an emergency fund when your income is unpredictable Jean is hosting a free Forever Paycheck book club November 17th at 7 ET. Sign up here! Learn more about your ad choices. Visit megaphone.fm/adchoices

Botox can run $500 to $1,000 per visit. Add a laser, a peel, a monthly facial membership, and perhaps a facelfit, and suddenly you’re talking about five figures. On this episode, Jean Chatzky is joined by Val Monroe, former beauty director at O, The Oprah Magazine, and writer of the Substack How Not to F*ck Up Your Face, to sort out what’s worth paying for and what you’re being sold. In this episode: What to ask before you pay for a procedure: what results you’ll see on your face, how long they’ll last, and whether the consultation fee is applied to the procedure Why Val recommends a consultation with a doctor you trust  Botox or a chemical peel? Why they do different jobs Mentioned in this episode I’m Not Going to Lie About My Neck, Molly Jong-Fast, The New York Times My Post-Face-Lift Panic, Tara Ellison, The Cut Your Perfectly Imperfect Face, Val Monroe’s latest Substack post I'm hosting a free Forever Paycheck book club on November 17th at 7 ET. ⁠Sign up here! Learn more about your ad choices. Visit megaphone.fm/adchoices

Ask a financial pro how they invest their own money, and the answer usually isn’t flashy. That’s the idea behind How I Invest My Money: Volume 2, a collection of 25 essays from financial pros, each answering one question: How do you invest your money? Jean sits down with behavioral finance expert and editor Brian Portnoy to talk about what the experts do, why they don’t always agree, and how to give yourself permission to enjoy the money you’ve worked so hard to save. In this episode: Why the experts disagree on international investing How to figure out what matters most to you with Brian’s “four Cs” Why lifelong savers have such a hard time spending, and how to give yourself permission to enjoy life now How Brian invests his own money I'm hosting a free Forever Paycheck book club on November 17th at 7 ET. ⁠Sign up here! Learn more about your ad choices. Visit megaphone.fm/adchoices

How much do you need to retire, not just comfortably, but happily, in 2026?  Recorded live at FinCon, Jean Chatzky sat down with Wes Moss, author of The Retire Sooner Method: The 5 Secrets Behind America's Happiest (and Unhappiest) Retirees.  Then, HerMoney Chief Content Officer Kathryn Tuggle is joined by Lacy Garcia of Willow for National Financial Planning Month. They get into why successful women still benefit from working with a financial advisor, how to think about giving to family without compromising your own plan, and how much flexibility you really have to make a big career move. Lacy also shares the questions to ask a prospective advisor before you hire one. To find a vetted fiduciary CFA or CDFA, visit https://hermoney.com/findanadvisor/. Jean is hosting a free Forever Paycheck book club November 17th at 7 ET. Sign up here! Learn more about your ad choices. Visit megaphone.fm/adchoices

The ten years before retirement are your last, best chance to get it right. In this episode, Jean and Anne Lester, author of Your Best Financial Life, former head of Retirement Solutions for J.P. Morgan Asset Management, and a fellow with LIMRA’s Retirement Income Institute, break down what the ten years before retirement should really look like and everything you need to tackle to enter retirement with confidence.  They cover: How to assess your retirement landscape without needing a “perfect” answer Social Security, including whether to wait to claim and what you gain by delaying How to take your retirement budget for a test drive before you retire Why the day you stop saving and start withdrawing is your riskiest, and how to adjust your asset allocation as you near it How guaranteed income changes how much risk you can afford to take The emotional side of retirement, including figuring out who you’ll be next and what will give your days meaning Lester’s 3 must-dos for the decade before retirement: understand your spending, know your assets, and get to know yourself Ready for more? This free guide from LIMRA walks you through the key milestones to consider as retirement approaches, helping you move from simply saving for this chapter to actually living it to the fullest. Learn more about your ad choices. Visit megaphone.fm/adchoices

Financial literacy isn’t just a problem for young people — it spans every generation and income bracket, and the numbers have only gotten worse over the last decade. So what actually works? This week, Jean sits down with Diana Isern, a 20-year NYC public school educator, Accredited Financial Counselor, and author of the new book Money Talks: An Educator’s Guide to Teaching Financial Empowerment. Diana approaches things differently: instead of lecturing people about what they don’t know, she starts from what families already do well, and builds from there. They dig into: The intergenerational money trauma most of us inherit without even realizing it, and how to break the cycle with your own kids Why 11th grade is the exact right moment for financial literacy to click What Diana actually tells her students when they ask her about crypto, sports betting apps, and “girl math” I'm hosting a free Forever Paycheck book club on November 17th at 7 ET. Sign up here! Learn more about your ad choices. Visit megaphone.fm/adchoices

Sixty percent of Americans say they feel scared when they think about the future, and women are more likely than men to feel that way. If your instinct is to push that fear down, breathe through it, or just try to be more fearless, Farnoosh Torabi wants to stop you right there. Because fear, she argues, isn’t the enemy. It’s actually one of the most powerful tools you have, if you know how to listen to it. This week, Jean sits down with Farnoosh Torabi to talk about her book, A Healthy State of Panic: Follow Your Fears to Build Wealth, Crush Your Career, and Win at Life. They dig into: The difference between healthy and unhealthy fear  The live TV snafu that taught Farnoosh to stop performing and just be herself (and what that has to do with your next big meeting or financial conversation) Why your fear of money might actually be ingrained, and what to do about it I'm hosting a free Forever Paycheck book club November 17th at 7 ET! Sign up here. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever stopped to think about how nearly every product in your life — the car you drive, the shoes on your feet, the chair you're sitting in right now — was actually designed for men? Because cars were designed for men, women are 73% more likely to be seriously injured in a crash, and 17% more likely to die in one. And it doesn't stop at cars; even your sneakers were likely modeled on a man's foot first. This week, Jean sits down with Karen Reuther — former Global Creative Director at Nike, VP of Creative Direction at Reebok, and now a design lecturer at Harvard — to talk about her new book, Man-Made: How We Designed a World That Leaves Women Out, and How We Can Make It Right.  They dig into: The "headspace gap" — the hidden mental tax women pay navigating cities, commutes, and public spaces built around men How the Stanley Quencher became a case study in designing for women Practical ways to push back on the pink tax with your voice, your vote, and your wallet The Forever Paycheck is officially a New York Times bestseller! If you've read it and found it useful, leave a review on Amazon and send a screenshot to mailbag@hermoney.com to be entered to win a signed copy. Learn more about your ad choices. Visit megaphone.fm/adchoices

We're closing in on the end of 2026, and on paper, it's been an amazing year for the markets. But that doesn't change the math that so many of us are feeling in our day-to-day lives. That’s why we’re back with Tori Dunlap, founder and CEO of Her First $100K, to walk us through her top moves for building real wealth as we head into the final stretch of the year. Jean and Tori get into what to do with cash sitting in a high-yield savings account right now, why Tori says it's now unequivocally smarter to rent than buy in most major U.S. cities, and the trap she sees so many high-earning women fall into. In this episode: Why Tori says to beef up your emergency fund right now, even if you're already investing How to build a truly diversified portfolio beyond a single index fund What a HENRY is, and why decent income can disconnect you from your money And if you've already read The Forever Paycheck, leave a review on Amazon and send Jean a screenshot at mailbag@hermoney.com; you'll be entered to win a signed copy. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this AMA, Jean sits down with Anne — a 57-year-old retiree, self-taught investor, and self-described "super saver" — who's questioning whether her advisor's 60-basis-point fee (upwards of $50,000 a year) is still worth it now that she's retired, debt-free, and increasingly comfortable managing her own portfolio. They talk: The real difference between a pre-retirement growth plan and a post-retirement income plan Why getting your advisor, accountant, and estate planner talking to each other matters  How to "shop around" for an advisor without necessarily planning to leave the one you have Thanks to all of you, The Forever Paycheck hit the New York Times Best Seller list. Leave us a review on Amazon and send a screenshot to mailbag@hermoney.com⁠ to be entered to win a signed copy. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's no secret that Dr. Jill Biden has been through a lot. She opens her new memoir, View From The East Wing, by telling us about the heartbreak of losing her son Beau to brain cancer at the age of 46. In the wake of that loss, she and her husband almost lost their son Hunter Biden to addiction. And more recently, she has been by former President Joe Biden's side through his diagnosis of an aggressive form of prostate cancer that has metastasized to his bones, though she says they are very optimistic about his most recent scans. Yet in an era where "unprecedented" has been used more times than most of us can stomach, Jill Biden has stayed steady — continuing to teach as a community college English professor even through her husband's presidency, making her the only First Lady in history to hold an outside job while her husband was in office. In this episode, Jean Chatzky sits down with Dr. Jill Biden to talk about money, independence, and resilience. They discuss: How a first marriage that ended in financial panic shaped everything she believes about money Why she and Joe Biden have always kept separate bank accounts, and why she thinks every woman should Her message to women in their 50s and 60s who feel like they've missed their window Learn more about your ad choices. Visit megaphone.fm/adchoices

For almost twenty years, HerMoney CEO Jean Chatzky was an annuity denier. In 2006, when her mother's financial advisor suggested putting some of her mom's money into one, Jean told him, flatly, to forget it. This week, she tells the full story of what changed her mind. Jean walks through the research that convinced her — retirees with annuitized income spend meaningfully more than retirees with similar wealth who don't have it, in some cases twice as much — and unpacks the psychology behind why a paycheck feels safer to spend than drawing down a balance on your own.  Want a signed copy of The Forever Paycheck? Leave the book a review on Amazon, screenshot it, and email it to mailbag@hermoney.com to be entered to win. Learn more about your ad choices. Visit megaphone.fm/adchoices

Gold's had a strong run in recent months, climbing toward $4,700 an ounce at one point in late August — and if you've been wondering whether it's too late to get in, or whether gold even deserves its reputation as a 'safe haven,' this episode is for you. In a recent session of HerMoney’s InvestingFixx club, Jean sat down with Meghan Pinchuk, Chief Investment Officer and Partner at Morton Wealth, and we’re sharing it with you here as a sneak peek!  In this episode, you’ll learn: The connection between rising government debt and gold's recent rally The differences between physical gold, gold ETFs, and gold mining stocks A reasonable gold allocation for most individual investors Curious to hear more conversations like this one? Jean runs InvestingFixx, a Zoom-based investing club just for women — no experience required, and your first month is free. Check it out at InvestingFixx.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

What does being “good with money” actually look like? It might look like steadily contributing to your 401(k). Or figuring out how to pay for summer camp while continuing to save for retirement. It might mean comparing health insurance plans, building an emergency fund, deciding how much house your family can comfortably afford, or simply asking the right questions before making a big financial decision. In other words, women are making important financial decisions every single day — and there’s a good chance we’re doing many of them more successfully than we give ourselves credit for. On this special episode of the HerMoney Podcast, Jean Chatzky sits down with FourLeaf Federal Credit Union President and CEO Linda Armyn to talk about the Money Like A Woman movement and the Five Pillars that they created: building financial confidence and independence; spending, borrowing, and planning with intention; building and growing wealth; protecting what matters; and strengthening your financial community. Jean and Linda discuss why being “good with money” has traditionally been defined far too narrowly — and why we don’t have to be experts on Wall Street to build wealth. (In fact, many of the habits women may dismiss as “boring,” like saving slowly over time, trading less frequently, and staying invested for the long haul, can actually be some of the keys to financial success!)  They also dig into what it means to spend with intention (yes, you can buy the 10 pairs of black shoes!), why protecting the people you love through insurance and estate planning is a form of love, how to protect yourself from increasingly sophisticated financial scams, and why talking openly about money can help strengthen our entire financial community. Ultimately, as Linda explains, the goal is for “anyone and everyone” to be able to Money Like A Woman, regardless of gender. Be curious. Ask questions. Think long term. Make deliberate choices. Prepare for the unexpected. Share what you’ve learned. And give yourself a little more credit for everything you’re already doing right. LEARN MORE ABOUT THE MONEY LIKE A WOMAN MOVEMENT HERE! Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever moved money out of your vacation fund to cover a car repair, or dipped into your emergency fund for something that wasn't quite an emergency? That's exactly where sinking funds come in.  This week, Jean sits down with Sean Pyles, CFP® and host of NerdWallet's Smart Money Podcast, and his co-host Elizabeth Ayoola to break down the sinking fund strategy: separate, named savings buckets each tied to a specific goal.  Plus, Lacy Garcia of Willow is back. She's sharing the five things worth splurging on before the end of 2026, and the trade-offs she makes to afford them. She and Jean also get into when a financial advisor is actually worth the money, and what Willow's version of an advisor looks like for someone who's just trying to get organized.  Find NerdWallet's Smart Money Podcast wherever you get your podcasts. Get guidance and connect with a vetted fiduciary https://hermoney.com/findanadvisor/. Learn more about your ad choices. Visit megaphone.fm/adchoices

Medicare can feel like a maze of parts, plans and deadlines – and getting it wrong can cost you. On this episode of the HerMoney Podcast, sponsored by LIMRA, Jean sits down with mother-daughter Medicare experts Diane Omdahl and Melinda Caughill of 65 Incorporated to break down exactly what you need to know: when to enroll, how to choose between Original Medicare and Medicare Advantage, and what's changing in 2027 that could catch beneficiaries off guard – from Part D drug plan shakeups to insurers pulling back from Medicare Advantage. We cover: The basics of Medicare – who's automatically enrolled and who isn't, and when you should start prepping to make Medicare decisions A quick guide to Parts A, B, C and D, plus where Medigap fits in Original Medicare vs. Medicare Advantage: the key differences and why the choice matters more than you think What to know about switching plans later – and why timing is everything What's changing with Part D and Medicare Advantage in 2027 A tool that can help simplify comparing your options during open enrollment After you’ve listened, if you’re ready to dig in, LIMRA’s 5-step guide to planning for healthcare costs in retirement is a great place to start. It will help you get organized, understand your options, and know what to ask your advisor about building a healthcare strategy before you retire. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jenna joins Jean Chatzky on this week's episode for another AMA conversation, this time digging into a decision that sits right at the heart of Jean's new book, The Forever Paycheck: Is it worth giving up more money on paper for the peace of mind that comes with guaranteed income? In this episode: Why Jenna and her husband are reconsidering the lump sum after years of assuming it was the obvious choice Jean's take on why retirees with pensions tend to spend significantly more than retirees with the equivalent balance sitting in a retirement account How guaranteed income can free up the rest of a portfolio to be invested more aggressively Why Jenna says choosing peace over optimization is exactly how she and her husband got their finances in order in the first place Want a signed copy of The Forever Paycheck? Leave The Forever Paycheck a review on Amazon, screenshot it, and email it to mailbag@hermoney.com to be entered to win. Learn more about your ad choices. Visit megaphone.fm/adchoices

We've gotten really good at teaching people how to save for retirement. But almost nobody teaches you what to do the day you stop earning and have to start spending. That's the gap Jean set out to close in her new book, The Forever Paycheck: The New Retirement Strategy to Spend More, Worry Less and Never Run Out of Money, and on this episode, HerMoney Chief Content Officer Kathryn Tuggle turns the mic around and interviews Jean about it. In this episode, you'll learn: What a "forever paycheck" actually is, and how it fills the gap between Social Security and what your life will cost The surprising research on why retirees with a pension spend twice as much as those with the same money in a 401(k) How much of her own portfolio Jean is annuitizing, and how she decided on that number The one exercise Jean says is the best way to get comfortable with spending in retirement And if you've already read The Forever Paycheck, leave a review on Amazon and send Jean a screenshot at mailbag@hermoney.com; you'll be entered to win a signed copy. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you feel like you're middle class? You might not be. Pew Research shows the U.S. middle class has shrunk from 61% of households in 1971 to closer to half today. So what does building wealth actually look like for regular people right now? This week, Jean sits down with Joel Larsgaard, co-host of the How To Money podcast, to talk about building wealth as a normal person, no finance degree or trust fund required. Joel opens up about the money struggles that shaped his childhood and led him into personal finance, then breaks down his "craft beer equivalent" philosophy: identifying the handful of things worth spending real money on, so you can cut back guilt-free everywhere else. In this episode: Why fewer Americans are middle class than they think Joel's "craft beer equivalent" approach to spending How to handle "funflation" without going into debt Simple, specific investing advice for DIY investors We're giving away signed copies of Jean’s new book, The Forever Paycheck! Leave HerMoney a review on Apple Podcasts, screenshot it, and email it to mailbag@hermoney.com to be entered to win. Learn more about your ad choices. Visit megaphone.fm/adchoices

Gloria Steinem died today at 92, and we're revisiting a conversation that's stayed with Jean for almost a decade. Recorded live at the Paley Center in 2017 at an event called Winning Plays: Black Women, Feminism, and Empowerment, this episode brings together Gloria Steinem and financial journalist Stacey Tisdale for a wide-ranging conversation on money, power, and freedom. It's a conversation about resilience, self-worth, and what it really means to bet on yourself financially at any age. More from Stacey Tisdale: Stacey's site, Mind Money Media: mindmoneymedia.com Winning Play$, Stacey's financial literacy nonprofit for students: winningplays.org Got a question about The Forever Paycheck, retirement, Social Security, or annuities? Send it to mailbag@hermoney.com, and Jean may tackle it in an upcoming mailbag episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

The S&P 500 is on pace for a fourth straight year of double-digit gains, something that's only happened once before since 1928, and that last time ended with the dot-com crash. So naturally, a lot of us are wondering: is this too good to be true? Jean sits down with friend of the show Karen Finerman, co-founder and CEO of Metropolitan Capital Advisors and longtime panelist on CNBC's Fast Money, to talk through what this run really means, and what (if anything) you should be doing about it. They get into: What even counts as a "good" economy when companies are growing by doing more with fewer people Why Karen refuses to try to time the market The stocks and sectors she's excited about right now  Her simple, no-frills advice for anyone just trying to keep their 401(k) on track Leave us a review on Apple Podcasts, send a screenshot to mailbag@hermoney.com, and you’ll be entered to win a signed copy of Jean's new book, The Forever Paycheck! Learn more about your ad choices. Visit megaphone.fm/adchoices

Most of us pictured our lives as a straight line: high school, college, a job, marriage, a house, kids…one milestone after another. Then life happened. A divorce. A layoff. A move. A pandemic.  This week, Jean Chatzky goes solo to make the case that a messy, non-linear life isn't a failure; it's just what a normal life actually looks like.  In this episode, you'll learn: The "5 Ws and an H": six questions to ask before you retire How to apply design thinking to your own retirement plan Why the real risk in retirement isn't running out of money, but never spending the money you worked so hard to save Want a signed copy of The Forever Paycheck? Leave HerMoney a review on Apple Podcasts, screenshot it, and email it to ⁠mailbag@hermoney.com⁠ to enter. Learn more about your ad choices. Visit megaphone.fm/adchoices

FinTok is full of people giving confident financial advice… and a lot of it is dead wrong. This week, Jean sits down with CBS News Business Analyst Jill Schlesinger, and host of the new podcast Money Moves, to call out the worst financial trends going viral right now, answer real questions from HerMoney listeners, and share how to tell good financial advice from the bad. In this episode: Jean and Jill’s list of “5 things that are always worth the money”  Jill's top 3 worst pieces of financial advice circulating on TikTok right now, and what to do instead Jill's simple test for vetting any piece of financial advice before you act on it Learn more about your ad choices. Visit megaphone.fm/adchoices

You've heard of FIRE, Financial Independence, Retire Early. And maybe your first reaction is: those people are a little extreme. But what if you stripped away the extreme version? What if early retirement just meant leaving the workforce in your late 50s, or stepping back a few years before 65… on your own terms? That's exactly what we're digging into in this special mailbag episode with the co-hosts of the Catching Up To FI podcast.  Together, Bill and Jackie answer your real questions, including: How do you plan for health insurance before Medicare kicks in? How much cash do you really need on hand when you retire early? I've been financially independent for three months. How do I reallocate my portfolio now that I'm in drawdown mode? How do you plan for FIRE when you're also caring for an aging parent? 📩 Send your questions to mailbag@hermoney.com Learn more about your ad choices. Visit megaphone.fm/adchoices

When's the last time you looked at your portfolio and felt genuinely confident it could weather a bad year? For most of us, the answer is some version of "I'm diversified — stocks for growth, bonds for safety — so I should be fine." But in 2022, stocks and bonds both posted double-digit losses at the same time, and the "safe" part of the plan turned out not to be so safe after all. That gut-check sent researchers looking for a third option, one that doesn't make you choose between growth and protection, but blends the two. This episode, sponsored by LIMRA, digs into that research with Dr. Wade Pfau, a fellow with LIMRA's Retirement Income Institute and a leading voice in retirement research, and Brad Pistole, President and CEO of the Ozarks Retirement Group and host of Safe Money Radio. We cover: Why 2022 was the wake-up call that made people question the classic stock/bond mix What "protection" actually means as its own asset class, and how fixed index annuities fit in The tax advantages that can help protected assets outperform bonds on an after-tax basis Why there's no universal "right" ratio for stocks vs. protected income, and how to find your own number Ready to take the next step? Get up to speed on annuity solutions that can help you build a more secure retirement by using this guide from LIMRA. Learn more about your ad choices. Visit megaphone.fm/adchoices

You know that feeling when you should ask for the raise, have the hard money conversation with your partner, or push back on a bad deal… and you just don't?  On today’s episode, Jean Chatzky sits down with Jia Jiang, the guy behind the viral "100 Days of Rejection" experiment, and author of the new book, Easy Discipline: An Unconventional Way to Achieve Ambitious Things.  Jia argues that lasting discipline comes from making hard things feel genuinely enjoyable, a lesson he learned firsthand while navigating undiagnosed ADHD. In this episode, Jean and Jia cover: Whether rejection therapy is actually a healthy way to build resilience What it means to love the process instead of just chasing the result The four principles of Easy Discipline — Enjoyment, Artistry, Systems, and Yourself — and how to apply them to your financial life Jean’s new book, The Forever Paycheck, is now available for pre-order. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the secret to never worrying about money again isn't earning more or spending less? Jesse Mecham, founder of the beloved budgeting app YNAB (You Need A Budget) and author of the new book Never Worry About Money Again By Answering One Question, is joins us to dig into why so many of us carry a constant low-grade hum of money anxiety — even when the numbers are fine — and how asking three simple words, "What's it for?", can change everything.  Then, Lacy Garcia, founder and CEO of Willow, joins Jean to discuss Strangers: A Memoir of Marriage by Belle Burden, the book that has taken over book clubs, group chats, and DMs everywhere this year. Willow is also hosting a follow-up webinar, Empowering Her Finances, August 25th at 12 ET: Register Here! You can find Lacy and the team at Willow at hermoney.com/findaadvisor. Learn more about your ad choices. Visit megaphone.fm/adchoices

$100,000 used to mean you'd made it. Today, in some cities, it barely covers groceries — and there's a real reason that gap feels so wide. This week, Jean sits down with Mark Hamrick, Chief Economic Analyst and writer of The Hamrick Brief, to unpack why the official numbers so often miss how people actually feel about their money. Mark recently built his own economic measure, HAPI (the Hamrick American Prosperity Index), designed to answer one question: are people actually getting ahead, or just running in place? Plus, Mark shares the one economic "skill" he believes matters most in this moment of nonstop change — and how to build it, even if it doesn't come naturally. In this episode, you'll learn: What HAPI measures, and why Mark built it as the mirror image of the Misery Index Why real wage growth — not just unemployment — is the number that actually predicts how "ahead" people feel The real odds of a recession in the next 12 months, according to economists Want to make sure you never run out of money, no matter what’s happening in the economy? Pre-order Jean's new book, The Forever Paycheck.  Learn more about your ad choices. Visit megaphone.fm/adchoices

You saved. You invested. You did everything right. So why does spending your own money in retirement feel so terrifying? This week, Jean sits down with Terri Fiedler, President of Retirement Services at Corebridge Financial, to dig into why the spending side of retirement is so much harder than saving, and what you can do about it right now. They cover: The "retirement paradox": why 60% of retirees whose assets have grown still can't bring themselves to spend Why guaranteed lifetime income is the single biggest confidence booster for retirees The three questions everyone should be asking five to ten years before they retire Resources mentioned in this episode: Corebridge Financial's decumulation research: corebridgefinancial.com/decumulation Jean's new book: The Forever Paycheck HerMoney's conversation with Dana Anspach: The Retirement Phase Nobody Talks About Learn more about your ad choices. Visit megaphone.fm/adchoices

You know that feeling when you're staring at two versions of the same appliance and have absolutely no idea which one is actually worth it? Today we're getting some answers. Jean Chatzky sits down with Tanya Christian, Senior Home and Appliance Writer at Consumer Reports, for a special mailbag episode answering your real questions about the stuff you actually want to buy,  or are wondering if you should. In this episode: Is a Vitamix actually worth $600? (And when to buy one if you want it) Should you ever buy an extended warranty? What actually matters when choosing a mattress The truth about "cooling" pillows and sheets Links mentioned: Subscribe to Bread and Butter by Consumer Reports. Send your mailbag questions to: mailbag@hermoney.com Pre-order Jean's new book, The Forever Paycheck Learn more about your ad choices. Visit megaphone.fm/adchoices

Every few weeks, another tech titan promises to hand us our time back. Jamie Dimon says a shorter workweek is coming. Elon Musk says AI will make work optional. Bill Gates is predicting two-day workweeks. Sounds amazing, except we don't actually need AI to get there. The research proving a shorter workweek works has been sitting in front of us for over a decade. This week, bestselling author and veteran journalist Joanne Lipman joins Jean Chatzky to unpack the gap between what these executives are promising in public and what they're actually demanding from their employees in private. In this episode, Jean and Joanne cover: Why the same executives predicting an AI-powered leisure future are also the most insistent on five-day, in-office weeks What over a decade of four-day workweek research shows about productivity, revenue, and burnout Why new technology almost never reduces our workload  Preorder Jean's new book: The Forever Paycheck is your guide to building a secure, steady income stream in retirement. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you have enough? And how do you even know? In the third and final episode of HerMoney's series with AARP, From First Paycheck to Forever Paycheck, Jean Chatzky and her roundtable tackle the biggest question in personal finance — what does financial security actually feel like, and how do you build something that doesn't just sustain you, but actually gives you peace? Hannah Williams sold her business and walked away with a life-changing payout, and has never been more stressed.  Viviana Vazquez recently hit $100,000 in investments and says she already feels like she has enough.  Ashley Parker thinks about what would happen if she suddenly had to make it on her own, and making sure she always could.  And Carly Roszkowski shares the AARP data that keeps her up at night: 65% of women 50 and older don't feel confident about retirement, and nearly half of those still working have less than $50,000 saved. Jean also introduces a concept that changes everything: decumulation.  This is the third and final episode of From First Paycheck to Forever Paycheck, a three-part series in collaboration with AARP exploring women's financial lives across generations, from your first job to retirement and the legacy you leave behind. If you haven't listened to episodes one and two yet, go back and start there; this conversation builds on everything we've covered. Jean Chatzky's new book, The Forever Paycheck: The New Retirement Strategy to Spend More, Worry Less, and Never Run Out of Money, is available for pre-order now and publishes September 8, 2026. Whether you're looking to save money, manage debt, or prepare for retirement, AARP has resources and tools to help you prepare for your financial future to reach your goals. Get started at www.aarp.org/retirementreadiness. Want to calculate your FIRE number? We recommend this calculator from our friends at NerdWallet.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Your doctor isn't the enemy. So why does it feel like you're fighting them, and losing? This week, Jean Chatzky sits down with Dr. Jordan Grumet to talk about his explosive new book The Healthcare Heist: How Physicians and Patients Can Unite to Transform Healthcare. As a hospice physician who spent over two decades watching families drown in paperwork and impossible bills, Jordan has a clear-eyed diagnosis of what's actually wrong with American healthcare. Then, Lacy Garcia, founder and CEO of Willow, joins Jean to tackle the financial decisions women put off the longest…updating your estate plan, moving money out of savings and into investments, and protecting yourself financially no matter what life throws at you.  If today's conversation left you wanting more Doc G, you're in luck. Jordan has been on HerMoney twice before, once to talk about how to find your purpose, and once to dig into the money regrets people share at the end of their lives. Jean's new book, The Forever Paycheck, is your guide to building a secure, steady income stream in retirement. Find a vetted fiduciary advisor at hermoney.com/findanadvisor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Did your life turn out exactly the way you planned it? Nobody says yes. Not one person. In the second episode of HerMoney's three-part series with AARP, From First Paycheck to Forever Paycheck,  Jean Chatzky gets personal, sharing that at 40, she was fired, got divorced, and lost her father all in the same year. And the women around the table don't hold back either. Ashley Parker reveals she was in the bottom 5% of earners on The New York Times politics team, and nearly doubled her salary the moment she left.  Hannah Williams shares the terrifying moment her veteran husband had a dental emergency with no insurance and no options. Viviana Vazquez opens up about being the financial safety net for her entire family, including a $10,000 out-of-pocket dental bill for her mom.  And Carly Roszkowski talks about her husband's mid-life career pivot, and what it really means to become the breadwinner. Together, they tackle the financial trade-offs that millions of women face every day — stepping back from work, carrying the mental load, navigating the sandwich generation, and trying to build a safety net when life keeps pulling the floor out from under you. This is episode two of From First Paycheck to Forever Paycheck, a three-part series in collaboration with AARP exploring women's financial lives across generations, from your first job to retirement and the legacy you leave behind. Go back and listen to episode 1 in the series here! Jean Chatzky's new book, The Forever Paycheck: The New Retirement Strategy to Spend More, Worry Less, and Never Run Out of Money, is available for pre-order now and publishes September 8, 2026. Whether you're looking to save money, manage debt, or prepare for retirement, AARP has resources and tools to help you prepare for your financial future and reach your goals. Get started at aarp.org/planningforchange.    Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when you let AI run your life? In her book, I Am Not a Robot: My Year Using AI to Do (Almost) Everything, award-winning journalist Joanna Stern chronicles her yearlong experiment integrating AI into every aspect of her day-to-day, from healthcare and money management to household chores and, yes, even an AI-powered massage therapist. On this episode of the HerMoney Podcast, sponsored by LIMRA, Stern joins Jean Chatzky to share the most important lessons she learned, and to dig into how AI can genuinely help you with your money, as well as where it can still lead you dangerously astray.  Listen in to hear them cover: The biggest ways AI can help you save both money and time Why one of Stern’s biggest money-saving AI experiences started in a dentist chair The key things to watch out for when you’re letting AI help with your finances  For more on how AI can (and can’t) help you with your money – especially when it comes to planning for retirement –  check out this guide from LIMRA. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the first episode of our three-part series with AARP, Jean Chatzky brings together four women across four generations- Gen Z creator Hannah Williams, Zillennial entrepreneur Viviana Vazquez, Millennial journalist Ashley Parker, and Gen X financial expert Carly Roszkowski- for an honest, freewheeling roundtable on building wealth across every life stage. They cover why the old financial playbook (get a job, buy a house, retire comfortably) doesn't work the way it used to, why younger women are investing earlier than any generation before them, the real cost of homeownership today versus a generation ago, and what women of every age get wrong about Social Security. Topics include:  Why Gen Z calls the 9-to-5 a horror movie The credit card mistakes nobody warns you about Walking away from a stable paycheck to build something of your own The truth about Social Security's future The financial habits each woman wishes she'd built earlier This conversation is part of a three-episode series, From First Paycheck to Forever Paycheck, in partnership with AARP, exploring women's financial lives across generations, from your first job to retirement and the legacy you leave behind. Jean's new book, The Forever Paycheck, is your guide to building a secure, steady income stream so you can age on your own terms and actually enjoy the retirement you've worked so hard for.  Whether you're looking to save money, manage debt, or prepare for retirement, AARP has resources and tools to help you prepare for your financial future and reach your goals. Get started at aarp.org/buildwealth.   Learn more about your ad choices. Visit megaphone.fm/adchoices

On today’s episode, Jean sits down with Marta Norton, Chief Investment Strategist at Empower, for an honest, clear-eyed mid-year markets check-in. Marta has a point of view that many of you will find refreshing: that politics belongs at the Thanksgiving table, not in your portfolio. And she's here to tell us exactly why. In this episode, we cover: The AI concentration risk hiding inside your index funds, and what it means for your money Anthropic, OpenAI, the wave of mega-IPOs coming our way, and what everyday investors need to know Marta's best case and worst case scenarios for markets in the second half of 2026 And if you're thinking about how to make your money work harder for you in retirement, be sure to pre-order Jean's new book, The Forever Paycheck, your guide to building a secure, steady income stream that actually lets you enjoy the retirement you've worked so hard for. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever looked up and realized you've been living someone else's version of your life? Sari Botton, editor and writer behind Oldster Magazine and author of And You May Find Yourself: Confessions of a Late-Blooming Gen X Weirdo, knows that feeling intimately. And she's turned it into a body of work that has resonated with hundreds of thousands of people. In this episode: The financial cost of people-pleasing and deferring to others on money How women in the Oldster community have reinvented themselves professionally in their 50s, 60s, and beyond Why we put off wills and end-of-life planning, and what it actually costs us The "compare and despair" trap around money milestones Pre-order Jean's new book, The Forever Paycheck. It's the guide to building the retirement income you need, so you can stop lying awake wondering if you'll have enough and actually start living.  Learn more about your ad choices. Visit megaphone.fm/adchoices

We all have a list… things we watched our parents do as they got older and swore we'd never do ourselves. We'd stay active. We'd embrace technology. We'd get the hearing aid. And then life happens. Washington Post columnist and author Steven Petrow has been thinking about this for nearly 20 years, and he joins Jean today to talk about the aging and money mistakes we make despite our very best intentions, and how to find your way back to joy even in the darkest chapters. Steven is the author of Stupid Things I Won't Do When I Get Old and his latest book, The Joy You Make, and he brings his signature honesty and humor to conversations about aging, money, loss, and starting over. In this episode, we cover: Why we all turn into our parents in the end, and why that's not entirely a bad thing How Steven found joy after losing both parents, going through a divorce, and watching his sister Julie battle Stage 4 ovarian cancer, all in the same year Why joy isn't the fireworks, and the small, everyday moments that actually sustain us Jean's new book, The Forever Paycheck, is your guide to building a secure, steady income stream so you can age on your own terms and actually enjoy the retirement you've worked so hard for. Learn more about your ad choices. Visit megaphone.fm/adchoices

Nobody wants to think about the possibility of losing their spouse to Alzheimer's. But what if planning ahead meant considering something as unexpected as divorce? That's exactly the question Susan is grappling with today. Susan is 62, still working, and earning around $100K a year. Her husband is 65 and already retired. Together they've built a solid financial foundation — over $778K in investments, $181K in savings, and more than $762K in assets, all with no debt. By most measures, they're in great shape. But the potential cost of memory care and assisted living has them worried that everything they've worked for could be wiped out. In this episode, Jean and Susan cover: What a "Medicaid divorce" actually is, and whether it's a legitimate financial strategy How Medicaid spend-down rules work and what they mean for married couples What asset protection strategies exist beyond divorce How to think through the emotional and financial costs of planning for a spouse's cognitive decline If today's conversation made you think about how to protect your retirement, Jean's new book, The Forever Paycheck, is the perfect next step. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the most important phase of retirement is the one nobody talks about? This week, Jean sits down with Dana Anspach, CFP, to walk through the four phases of retirement outlined in her new book, Living Off Your Acorns: Your Guide to the Four Phases of Retirement, including the phase she argues matters most of all: the Pre-Go years. Dana breaks down what to expect at every stage — from building your foundation before you retire, to navigating the emotional and financial shifts that come after — and shares the real stories of clients who had to course-correct, pivot, and reimagine what retirement could look like for them. In this episode, Jean and Dana cover: What the Pre-Go phase is, why it matters, and when it typically begins Why so many high achievers struggle to envision retirement What a $1 million retirement savings goal actually buys you in 2026 How to course-correct if you're behind on savings in your 50s and 60s If today's conversation made you think about saving enough for your retirement, Jean's new book, The Forever Paycheck, is the perfect next step. Learn more about your ad choices. Visit megaphone.fm/adchoices

The economy added 172,000 jobs in May, nearly double what economists expected. So why did consumer sentiment just hit a record low? Why does everything still feel so hard? In this episode, Jean sits down with Sarah Foster, Personal Finance Reporter at Bloomberg, to break down what's really going on beneath the surface of those headline numbers, and what it means for your job, your home, and your retirement savings. In this episode, you'll learn: Why keeping your money in a traditional savings account right now means you're slowly losing ground What the lock-in effect really means for women who want to downsize before retirement How to think about home equity as a retirement tool The one financial move Sarah says everyone should make right now Jean's new book, The Forever Paycheck, is available for pre-order now. It's your guide to building a secure, steady income stream that actually lets you enjoy the retirement you've worked so hard for. Learn more about your ad choices. Visit megaphone.fm/adchoices

Annuities might be one of the most misunderstood financial products out there – and they come with plenty of opinions…as well as questions. Are the fees really that high? Do advisors just push them for the commission? Could an annuity actually be the missing piece of your retirement plan?  On this episode of the HerMoney Podcast, we’re cutting through the noise with two leading experts: Michael Finke and Tamiko Toland of LIMRA’s Retirement Income Institute. They’re busting the biggest annuity myths, answering questions straight from our HerMoney Community and helping you figure out whether this type of protected income deserves a spot in your financial future.  Listen in to hear them cover: A jargon-free explanation of annuity types and terms to be aware of What to know if you’re buying an annuity – including how fees work Whether there’s a “right” age to purchase an annuity The next steps to take if an annuity sounds right for you Learn more: Most people want protected income for life. Few realize that’s what annuities provide. This resource from LIMRA covers everything you need to know. Learn more about your ad choices. Visit megaphone.fm/adchoices

For white-collar workers, the recent headlines about AI are more than a little bit fear-inducing. AI could automate millions of white-collar jobs within 18 months. College graduates are booing commencement speakers who bring it up. And women — whose jobs are three times more likely to be automated — are falling behind on AI adoption. So what do you actually do? Pulitzer Prize-winning New York Times journalist Jodi Kantor has answers. Her new book, How to Start: Discovering Your Life's Work, grew out of a question her Columbia University students asked her that she couldn't shake: how, in this environment, are we supposed to find our life's work? The answer, it turns out, applies just as much to a woman reinventing herself at 52 as it does to a 22-year-old just starting out. In this episode, Jean and Jodi get into: The two things every successful, happy person has: craft and need Why your messy, nonlinear résumé might be your biggest asset right now How to get a real human being to respond to your job outreach in the age of AI screening Jodi's three tips for cold outreach that actually work And if you're thinking about what your financial future looks like through all of this change, pre-order Jean's new book, The Forever Paycheck — your guide to building income that lasts as long as you do. Learn more about your ad choices. Visit megaphone.fm/adchoices

A new study shows Americans expect to delay retirement by four years as the cost of living rises…and 4 in 10 aren't confident they'll have enough money to last. If that sent you into a spiral, this episode is your permission to exhale. Historian, real estate investor, and early retiree Joseph S. Moore, PhD, spent years stress-testing three centuries of American financial advice, and what he found will reframe the way you think about retirement. His new book, How to Get Rich in American History: 300 Years of Financial Advice That Worked (and Didn't), makes the case that retirement anxiety is nothing new, and that every generation that's felt it has ended up being fine. Then, Jean sits down with Lacy Garcia, founder and CEO of Willow, an award-winning platform that connects women with vetted fiduciary financial advisors who actually understand their lives. Jean and Lacy get refreshingly honest about the money moves they wish they'd made sooner: investing earlier, finding an advisor before they felt "ready," keeping an emergency fund, and having the money conversations they'd been putting off.  Find a fiduciary advisor through Willow: hermoney.com/findanadvisor  📚 Pre-order Jean's new book, The Forever Paycheck Learn more about your ad choices. Visit megaphone.fm/adchoices

We've been told to lean in, speak up, ask for the raise, and take up space. But what happens when doing everything right still isn't enough? Journalist and financial expert Stefanie O'Connell joins Jean to talk about her deeply researched new book, The Ambition Penalty: How Corporate Culture Tells Women to Step Up — and Then Pushes Them Down. In this conversation, Jean and Stefanie dig into why the girlboss era failed us, why women are penalized not for a lack of ambition but because of it, and what we can actually do about it. They cover: Why being fluent in the language of empowerment is not the same as actually being empowered How the ambition penalty follows women outside the workplace  Why you can't outwork inequality, but you can outorganize it What it really takes to build a life where your ambition is championed, not penalized And if you loved today's conversation, don't miss Jean's new book, The Forever Paycheck — your guide to building a secure, steady income stream that lets you actually enjoy the retirement you've worked so hard for. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you've been feeling financially anxious lately, the numbers back you up. A record 55% of Americans say their financial situation is getting worse, and 67% say they're more afraid of running out of money than dying.  This week, Jean sits down with Carrie Joy Grimes, author of the new book The Joy of Money, for a candid, wide-ranging conversation about financial anxiety, behavioral science, and exactly what wealthy people are doing with their money right now. In this episode, we cover: What wealthy people do differently with their money during volatile markets The Life Happens Fund: why a basic emergency fund isn't enough and how to build a real financial cushion The three-step self-compassion practice backed by behavioral science that helps you stop shame-spiraling over money mistakes The "Good Enough Retirement Vision" exercise that will help you stop feeling paralyzed about the future And if today's conversation got you thinking about your financial future, don't miss Jean's brand new book, The Forever Paycheck. Learn more about your ad choices. Visit megaphone.fm/adchoices

She's been famous since childhood, but Brooke Shields might be having her most interesting chapter yet, and she's the first to say she's done waiting to be picked. This week on HerMoney, we're thrilled to share a special replay of one of our favorite recent episodes from our sister podcast, How She Does It with Karen Finerman. Karen sits down with the actress, author, and entrepreneur for a wide-ranging conversation about reinvention, resilience, and what it really means to come into your own at 60. In this episode, you'll hear about: Why Brooke got tired of waiting for Hollywood to cast her and decided to develop her own show The very real moment she stood up to a dismissive VC Her experience with postpartum depression and why breaking the silence still matters What it's really like to serve as president of Actors' Equity  The beauty industry's failure to represent women over 50, and why Brooke decided to do something about it And if Brooke's story of betting on herself got you thinking about your own financial future, Jean's new book, The Forever Paycheck, is the perfect next read. It's all about building income that lasts, so you can keep funding the next chapter. How She Does It is part of HerMoney Media. Subscribe and catch every episode wherever you listen to podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

There are people who change the way you think about money. And then there are people who change the way you think about life, and do it through the lens of money. Jonathan Clements was one of those people. The beloved personal finance columnist and Wall Street Journal veteran passed away in September 2025, leaving behind a remarkable legacy and one final book: Money and Me: How to Make Your Finances Work Harder for You and Your Family. This week, Jean sits down with Jason Zweig, Jonathan's dear friend and fellow Wall Street Journal columnist, to honor that legacy and dig into the lessons Jonathan left behind for all of us. They cover: The investing philosophy he championed for nearly 40 years, and why it's still the best advice out there The three dimensions of money and happiness: freedom from worry, spending on experiences, and using money to create meaning Why the shift from saving to spending in retirement is one of the hardest psychological transitions we face, and how to make it easier Jonathan's take on how much money to leave your kids  Why spending small is actually the smartest spending strategy of all And if today's conversation got you thinking about your own relationship with money, Jean's new book, The Forever Paycheck, is the perfect next read. Learn more about your ad choices. Visit megaphone.fm/adchoices