We share tactics to curb impulse purchases and regrettable spending. Also, we learn that Will owns every Animorphs book and is a sucker for odd citrus fruits. And learn what 18-year-old crustpunk Lily wanted to buy. Grab your “things I want” google sheet at: http://ohmydollar.com/thingsIwant Learn more about your ad choices. Visit podcastchoices.com/adchoices
Lillian and Will talk about how to set non-boring money goals that won’t set you up for new year’s resolution failure. Save more money! Spend less money! Roll over that darn 401K! Implement a new system! Other things that are fun! Check out my favorite app for budgeting, YNAB – I’ve used it for 3 years, and my biggest regret was I didn’t switch years earlier. Use this link for a 34-day free trial. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Alicia McElhaney of the She Spends newsletter joins us to talk about one of the best ways to make more money in the new year: ASK FOR IT! We talk about tips & tricks for salary negotiation, and tell stories from our own experience with salary negotiation. Recommended book (for all genders): Ask For It. The Bullish Series on Negotiation. Get Your Money Together Bootcamp is 50% off for this week only using code HALFOFF2018 – set off your new year on the right foot at bootcamp.ohmydollar.com Le...
Listener Eva asks how she can maximize her retirement savings and minimize her taxes as a self-employed person; Lillian talks her through SEP IRAs and Solo 401Ks (they’re nearly the same as one another but not the same as regular IRAs). We also cover the ways that folks can pay less taxes in the new year starting at 9:08min. New Year is the perfect time to start a new budgeting regime. Check out our new year goal setting post. Learn more about your ad choices. Visit podcastchoices.com/adchoices...
Lauren asks how to build a realistic budget with “little wins” and Lillian asks her to figure out what her wins and necessities are. Sara asks how she deducts the cost of her health insurance as a self-employed person. Plus, what to do before the end of the year for tax preps. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Listener health insurance questions answered: Are Health Savings Accounts an evil republican tax loophole for rich people or actually useful? How do co-pay assistance plans work? How do you work the system instead of the system working you? What do you do if you don’t know your income for the year and healthcare.gov asks you for it!? The health insurance exchange at healthcare.gov is only open for 2018 health plans until December 15th! Learn more about your ad choices. Visit podcastchoices.com/a...
There’s so many confusing terms when you’re looking for health insurance: OOP, HMO, deductible, co-insurance, co-pays – how do you untangle them? How do you not go broke buying health insurance? Jack Hopper of Take Command Health, helps us figure it out. Small business owner looking for advice on health insurance? Check out takecommandhealth.com for more info. Don’t forget that December 15th is your deadline to enroll in, change, or renew your plan for 2018 at healthcare.gov (This is the long 45...
We answer rapid fire questions: Should Alice liquidate a 401K to avoid credit card debt? Can Charlotte use her spouse’s income on a credit card application? Can Dan move money between the US and his home country without accidental money laundering? Reminder: December 15th is the deadline for the health care exchange to renew, change, or get a new health care plan. If you’re interested in volunteering for the AARP’s Tax-aide program, check out information here and find a program in your area: htt...
We answer listener questions about budgeting. Tamás asks how to reduce his budget when he can’t figure out what’s too high, and Sara asks how to recognize emotional spending & help curb it. (We’re back on a Monday posting schedule, thanks for your patience.) Learn more about your ad choices. Visit podcastchoices.com/adchoices
Oregon is trying to start a retirement planning revolution- every single business in Oregon will be required to offer a retirement plan of some sort by 2020. Joel Metlan joins us to discuss “Oregon Saves” and the behavioral economics built into the plan. And why it might be coming to your state soon, too! Check it out at Oregonsaves.com (Apologies for the inconsistent episodes the past two weeks; we had some scheduling challenges but we’re back on track!) Learn more about your ad choices. Visit ...
Listener Riah asks how much she should save up to have kids, and special guest Kim Dubois Harrison, discusses parenting choices about money, expensive childcare, and the time value of money as a parent. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Journalist Alden Wicker, author of “Multilevel-marketing companies like LuLaRoe are forcing people into debt and psychological crisis” for Quartz.com joins us for a discussion on the cost of MLMs. Read the article here. Oh My Dollar! has a cat-filled purrsonal finance illustrated workbook raising funds on kickstarter! We can use your help. Check out http://www.ohmydollar.com/kickstarter/ to back. Learn more about your ad choices. Visit podcastchoices.com/adchoices
We have a special guest Katie Bovitz from the Portland Housing Center to talk about considerations for buying & financing your first home. (Let us know if you want the 1 hour version of this show!) Oh My Dollar is launching a purr-sonal finance workbook, check it out at http://www.ohmydollar.com/kickstarter Learn more about your ad choices. Visit podcastchoices.com/adchoices
A short episode just to say hello after Fall Break to give an update on Lillian’s travels. Oh My Dollar! is launching a cat-themed purr-sonal finance workbook: http://www.ohmydollar.com/kickstarter/ Learn more about your ad choices. Visit podcastchoices.com/adchoices
We’re back from our week break with an episode on Social Security featuring economist Jon Rork. Will it be around in 25 years? How does it work? Should you factor it in to your retirement planning? Learn more about your ad choices. Visit podcastchoices.com/adchoices
Lillian walks through the three things you can do to improve a bad (or nonexistent) credit score, and why it might not matter. Learn more about your ad choices. Visit podcastchoices.com/adchoices
We talk about what to when you unexpectedly come into “extra” money – how to allocate it, and listener stories about how they used their windfalls. Learn more about your ad choices. Visit podcastchoices.com/adchoices
A live show from the Oh My Dollar! and XRAY in the morning crew, Lillian answers two listener questions: Alan wants to know how much to keep in his bank account, and Catherine asks how to plan for $90K of graduate school debt. Learn more about your ad choices. Visit podcastchoices.com/adchoices
We discuss some great splurge ideas, and how to plan for them, include Lillian’s big trip from Dublin > Shanghai by train, and Will’s fantasy of crossing the Pacific on a cargo ship. (H/T to Paula from affordanything.com for the great exercise.) Learn more about your ad choices. Visit podcastchoices.com/adchoices
It’s totally possible to get to retirement money early! Lillian walks you through the legal ways to get money without paying crazy penalties. Plus – why you shouldn’t do that! Learn more about your ad choices. Visit podcastchoices.com/adchoices
What should you do about health care when you leave your job? Why does COBRA cost so much and why does it sound so scary? And how to figure out healthcare.gov premium assistance with variable income. Learn more about your ad choices. Visit podcastchoices.com/adchoices
We talk about life insurance policies – and what the difference between term and whole life insurance policies are. And what being “self-insured” really means. Learn more about your ad choices. Visit podcastchoices.com/adchoices
If you’re in your 20’s or 30’s, you’re might be getting invited to weddings. Possibly lots of them. Just attending a wedding, let alone standing up in one, costs money! How do you make a budget for that? Learn more about your ad choices. Visit podcastchoices.com/adchoices
Lillian walks you through two types of insurance most folks should have, but no one wants to think about: life and disability insurance! We also cover what Worker’s Comp does and doesn’t cover. Sorry we’re a day late this week; technical difficulties + international travel! Learn more about your ad choices. Visit podcastchoices.com/adchoices
Will and Lillian break down a bunch of different insurance terms and tell you about what kind of insurance you need to get – and how it might actually help you out (did you know renter’s insurance might cover your stolen bike?) Learn more about your ad choices. Visit podcastchoices.com/adchoices
Professional cage fighter, personal trainer, batch-cooking enthusiast and all-around badass Emily Corso joins us to discuss ways to make cooking healthier, cheaper, and easier. (One Solution: tacos for breakfast!) Check out Emily’s gym at boldandbadass.com Learn more about your ad choices. Visit podcastchoices.com/adchoices
Nicole Dieker from the wonderful website The Billfold joins us to talk about the most awesome way to reduce your stress and lower your grocery budget at the same time- meal planning! Learn more about your ad choices. Visit podcastchoices.com/adchoices
We dive into the legal differences between independent contractor + W2 (regular) employee – and how it affects your finances and your legal protections and how it might be misused. Also, how Canada does it better. Learn more about your ad choices. Visit podcastchoices.com/adchoices
We give some tips on dealing with peer pressure from coworkers and friends about spending money when you’re on a budget – and how to figure out where to trim your budget (the fact is that you probably already know what you need to do). Plus, we talk about why you might want both an IRA and a 401K. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Lillian goes on an educational rant about the concepts of “good debt and bad debt” and she answers the perplexing question of how you actually get money into a pre-tax IRA. Learn more about your ad choices. Visit podcastchoices.com/adchoices
