Money Rehab with Nicole Lapin

You don't need a Bloomberg terminal, a private jet, or a research team to invest alongside the world's most famous hedge fund managers… you just need to know where to look. Today, Nicole breaks down five real ways everyday investors can piggyback on billionaire money managers like Bill Ackman, David Einhorn, and Warren Buffett, from closed-end funds and copycat ETFs to buying the "tollbooth" instead of the cars driving through it.

Check out Nicole's financial literacy course ⁠The Money School⁠ 

Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ 

Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ 

Here's what Nicole covers today:

00:00 Are You Ready for Some Money Rehab?

00:15 Piggyback on a Billionaire's Portfolio

00:33 Option 1: Buy a Closed-End Fund Like Ackman's PSUS

01:33 Why PSUS Trades at a Discount to NAV0

2:25 Option 2: Buy the Manager, Not the Fund

03:04 Option 3: The Insurance Float Trick (Einhorn's GLRE)

03:45 Option 4: Buy Berkshire Hathaway

04:31 Option 5: Copycat ETFs Like GURU

05:12 Which Option Is Right for You?

05:31 Confusing a Great Investor With a Great Investment

05:54 Tip You Can Take Straight to the Bank

All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Jim Kwik has coached Fortune 500 companies, Oprah, Will Smith, and Richard Branson on how to think faster and remember more. Today, he joins Nicole to explain why your brain, not your bank account, is your greatest wealth building asset. Jim breaks down what he calls "digital dementia," the MIT study showing what AI is doing to our memory and critical thinking, and why he believes AI will not replace humans so much as reveal them. He also gets into the emotional side of wealth: why purpose beats motivation, how tiny "micro-commitments" trigger the dopamine that actually creates momentum, and why self-image, not goals, determines what we achieve. Then, Nicole puts Jim's favorite biohacks to the test, and he rates everything from walking and sauna to meditation and TikTok on a scale of 1 to 10. Jim also shares the real story behind a $50 million deal that fell apart because of a forgotten name, his 12-minute morning routine with his toddler, and the writing ritual he started in the hospital the day his daughter was born. Start investing investing at SoFi.com/MNN Private Wealth Collective Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real relationship. https://privatewealthcollective.com The Money School Nicole's $149 investing course that actually breaks down stocks, ETFs, crypto, and building a real portfolio, no jargon, no judgment, lifetime access. https://themoneyschool.com ----------------------- Find other exclusive content at— Instagram: @moneynews TikTok: @moneynewsnetwork Website: https://moneynewsnetwork.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

A listener named Lauren DMed Nicole with a simple question: what is she doing to make sure her daughter has more money than she did growing up? Today, Nicole answers in full, walking through the exact accounts, strategies, and tax moves she is using to build wealth for her toddler from day one.

Nicole breaks down the three accounts she opened for her daughter (a 529, a custodial Roth IRA, and a custodial brokerage account), why she gifts directly into the 529 for every holiday, and how she is legally paying her daughter through her business to shift income into a lower tax bracket. Tax strategist Karlton Dennis joins with a clip explaining the rules around paying your kids: what counts as reasonable compensation, how the standard deduction plays into it, and why starting a custodial Roth IRA early can turn a few thousand dollars into over a million by retirement.

Nicole also gets into the life insurance decision every parent needs to make. She explains the real difference between term and whole life insurance, why she chose term for her family, and when whole life actually does make sense.

Start investing investing at SoFi.com/MNN

Private Wealth Collective

Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real relationship.

https://privatewealthcollective.com

The Money School

Nicole's $149 investing course that actually breaks down stocks, ETFs, crypto, and building a real portfolio, no jargon, no judgment, lifetime access.

https://themoneyschool.com

-----------------------

Find other exclusive content at—

Instagram: @moneynews

TikTok: @moneynewsnetwork

Website: https://moneynewsnetwork.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

You know Codie Sanchez as the woman who made buying a laundromat sound cooler than launching a startup. Today, she's back to talk about her new book, Own or Be Owned, and why so many founders are secretly addicted to their own businesses.

Codie explains why being "the hero" of your company is a trap (she compares it to heroin), the 12 owner archetypes she discovered after surveying 15,000 business owners, and why the goal isn't to work harder, it's to become unnecessary.

She also gets real about the parts of founder life nobody talks about: the years she put her personal life on hold chasing a revenue number, the fear of telling her team she was pregnant, and why she now believes "later" almost never actually comes.

Get Codie's book Own or Be Owned

Find boring businesses to buy on BizScout.com

What we cover

00:00 Are You Ready for Some Money Rehab?

01:33 How to Buy a Laundromat: Cost, Margins, and Failure Rates

14:29 The Thesis Behind Own or Be Owned, and the 12 Owner Archetypes

20:40 Why Being "The Hero" Feels Like Heroin

25:03 Founder Mode vs. Owner Mode

31:03 Stepping Away From the Business She Built

39:12 Pregnancy, Business, and Life as a Founder

43:16 How Codie Invests and Manages Her Own Money

46:48 Boring Business Grades: A Through F, and What to Skip in 2026 All investing involves the risk of loss, including loss of principal.

This podcast is for informational purposes only and does not constitute financial, investment, or legal advice.

Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Start investing investing at SoFi.com/MNN Private Wealth Collective Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real relationship. https://privatewealthcollective.com The Money School Nicole's $149 investing course that actually breaks down stocks, ETFs, crypto, and building a real portfolio, no jargon, no judgment, lifetime access. https://themoneyschool.com ----------------------- Find other exclusive content at— Instagram: @moneynews TikTok: @moneynewsnetwork Website: https://moneynewsnetwork.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

Kate has good money habits. She's saving, she's investing, she's automated her high-yield savings account. So why does she still feel like she's behind? Today, Nicole sits down with a Money Rehab listener for a real-life financial intervention, digging into the exact questions so many 20-somethings are quietly Googling at 1am.

Kate walks Nicole through her real numbers: what she earns, what she spends, and how she's splitting money between a Roth IRA, a brokerage account, and student loan payments. Nicole breaks down the actual mechanics she never learned, like why you need cash in the account before you can buy anything, how to think about a Roth versus a brokerage account, and whether it's smart to max out one before touching the other. They also get into the emotional side of money: the guilt Kate feels every time she spends, why her financial goals always seem to move further away the more she achieves, and how giving herself a real number for guilt-free spending changes everything.

Check out Nicole's financial literacy course The Money School
Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective
Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram

Here's what Nicole covers with Kate:
00:00 Are You Ready for Some Money Rehab?
02:28 Meet Kate: Her Money Goals
03:53 From Ice Cream Shop Paychecks to a 9-5
04:39 Breaking Down Kate's Budget
05:54 The High-Yield Savings Account Strategy
07:11 Using a HYSA as a "Don't Touch This" Account
08:01 Roth vs. Brokerage: Kate's Investing Confusion
09:25 Why No One Teaches You How to Actually Buy
11:06 Roth vs. Brokerage, Explained
13:28 Should You Max Out Your Roth First?
15:09 Why Kate Sticks to Index Funds
17:15 The Tax Truth About Brokerage Accounts
20:07 What Financial Freedom Actually Means to Kate
21:19 The Guilt Spiral of Spending
22:28 Why Sticking to the Plan Is the Hard Part
22:52 How Kate's Childhood Shaped Her Money Mindset
23:52 The Moving Goalpost Problem
25:25 Building (and Sticking to) a Budget
28:30 Solving Spending Guilt With a "Fun Money" Number
29:51 Where Kate Keeps Her Savings
31:05 Kate's 5 and 10 Year Money Goals
32:36 Is Money a Never-Ending Game?
34:41 How Kate Started Investing With Just $20
36:45 Nicole's Game Plan for Kate
45:05 Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

He's the guy behind "Betty (Get Money)" and a fur coat two-step that took over TikTok, but before Yung Gravy was flexing platinum plaques, he was studying finance and marketing in college. Today on Money Rehab, we sit down with the rapper who lives a double life: viral hitmaker by night, options trader by day.

Gravy walks us through the trade that made him $400K, a bet on 1-800-Flowers stock at the start of COVID, built on a grim but accurate read that funeral orders were about to spike. It's the kind of call institutional investors make quietly all the time; Gravy just said the quiet part out loud, and the internet has been arguing about the ethics of it ever since.

We get into how a music-industry paycheck, unpredictable, front-loaded, gone as fast as the trend that made it, pushed him to actually learn the market instead of just spending like a rapper. What it's like sitting in a room with a finance background while everyone assumes you can't do math because you rap about money instead of manage it. Where the rap flex ends and the real portfolio begins. And whether the same instincts that write a viral hook are the same instincts that spot an undervalued stock before anyone else does.

Private Wealth Collective

Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real relationship.

The Money School

Nicole's $149 investing course that actually breaks down stocks, ETFs, crypto, and building a real portfolio, no jargon, no judgment, lifetime access.

Start investing investing at SoFi.com/MNN ----------------------- Find other exclusive content at— Instagram: @moneynews TikTok: @moneynewsnetwork Website: https://moneynewsnetwork.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

Selling Sunset isn't just a show about real estate, drama, and outfits... it's a show about money. Over the past few years, Nicole has had four cast members from the Selling Sunset universe on Money Rehab: Jason Oppenheim, Emma Hernan, Mary Bonnet, and Polly Brindle. Today, she's pulling out four moments from those conversations that she hasn't been able to stop thinking about.

Jason, one of the most successful real estate brokers in LA, makes a confession you'd never expect from someone who sells homes for a living: renting often beats buying, financially speaking. Mary opens up about the ex-husband who secretly ran up six figures of debt in her name, and the exact tactic she used to rebuild her credit score from scratch. Emma explains why she's turned down millions in outside investment for her company and what she thinks is broken about "Shark Tank culture." And Polly gets brutally honest about maxing out three credit cards, borrowing from friends, and the mindset shift that turned her financial life around.

Start investing investing at SoFi.com/MNN 

Check out Nicole's financial literacy course ⁠The Money School⁠ 

Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ 

Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ 

Here's what Nicole covers today:

00:00 Are You Ready for Some Money Rehab?

00:15 Four Money Moments From the Selling Sunset Universe

00:42 Jason Oppenheim's Take: Renting Beats Buying

04:48 Mary Bonnet's Secret Debt and Financial Abuse Story

09:07 Red Flags to Watch For Before You Share Finances

12:29 Emma Hernan on Turning Down Millions in Funding

16:47 Polly Brindle: From Maxed Credit Cards to $48M in Sales

21:46 Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Divorce attorney James Sexton is back for part two of his conversation with Nicole; in part one, he talked about advice for couples getting married. Today, he’s giving advice for people getting divorced. Nicole and James dig into the financial habits that sabotage marriages, the creative ways people hide money before filing, and the red flags that signal a spouse might be planning an exit. Plus, James gives simple advice on what might be the most complicated part of this process: how to tell your spouse you want a divorce.

James also breaks down how alimony actually works, the best argument for keeping the house, and the negotiating tactics he uses to fight for a bigger settlement. Then things get spicy: the digital footprint mistakes blowing up divorces in real time, the unofficial "a-hole tax" judges impose on bad behavior in court, and the wild story of a $20 million divorce that almost collapsed over a toaster oven.

Check out Part 1 of Nicole's conversation with James Sexton

Start investing investing at SoFi.com/MNN 

Check out Nicole's financial literacy course ⁠The Money School⁠ 

Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ 

Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ 

Follow James’ work and check out his latest book

Here's what Nicole covers with James:

00:00 Are You Ready for Some Money Rehab?

02:31 The Financial Habit That Complicates Every Divorce

05:01 How People Hide Money Before a Divorce

09:21 Red Flags Your Partner Might Be Planning a Divorce

11:35 What To Do If You're Thinking About Divorce

12:11 How Much Does a Divorce Actually Cost?

17:13 Mediation vs. Litigation: Which Should You Choose?

19:37 The Best Way To Ask For a Divorce

21:18 How Alimony Really Works

25:00 When the Woman Is the Breadwinner

28:29 Is Alimony About Money or Power?

29:58 The Best Argument for Keeping the House

32:11 Bunnie XO, Jelly Roll, and Who's Entitled to What

34:56 Lightning Round

38:03 The $20 Million Toaster Oven Story

39:14 The Most Expensive Emotion in Divorce

39:20 What To Never (and Always) Put in Writing

40:00 How Social Media Can Blow Up Your Divorce

42:54 The "A-hole Tax" Explained

45:31 James Sexton's Tip You Can Take Straight to the Bank

Learn more about your ad choices. Visit megaphone.fm/adchoices

If you've been parked in SAVE plan limbo for the last two years, the waiting is over, and the letter that starts your 90-day clock is either already in your inbox or on its way. Today, Nicole breaks down what happened to SAVE, why doing nothing could send your payment from $0 to $900 overnight, and exactly what to do before that clock runs out.

Nicole walks through RAP, the new Repayment Assistance Plan replacing SAVE, how it calculates your payment off your income, and the upside most people miss: your balance can't grow even if your payment doesn't cover the interest. She also covers why studentaid.gov is about to get slammed, whether you should let the government pull your income data from the IRS, and how to avoid accidentally landing in a plan that doesn't count toward forgiveness.

Then, Nicole flags two things you don't want to miss: a quadrupled autopay discount worth locking in before September 30th, and a little-known Secure 2.0 rule that lets your employer match your student loan payments straight into your 401(k). If you're already in default, she also breaks down what's coming this fall as wage garnishment turns back on, and the two ways out. Finally, today's tip you can take straight to the bank: a tax-filing move married borrowers should run the numbers on before their next RAP payment is calculated.

Start investing investing at SoFi.com/MNN 

Check out Nicole's financial literacy course ⁠The Money School⁠ 

Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ 

Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ 

Here's what Nicole covers today: 

00:00 Are You Ready for Some Money Rehab? 

00:16 SAVE Is Officially Dead 

01:29 What Happens If You Do Nothing 

02:12 Check Your Real Balance (Interest Never Stopped) 

02:37 Meet RAP: The New Repayment Assistance Plan 

03:24 Get Ahead of the Studentaid.gov Stampede 

04:40 The 401(k) Match You Didn't Know You Had 

05:21 If You're in Default: What's Coming This Fall 

06:35 Tip You Can Take Straight to the Bank

This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor or tax professional before making any financial decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Mauricio Umansky is one of the most successful luxury real estate agents in the world, selling homes for A-listers and closing massive deals. Today, he joins Nicole to break down exactly where the real estate market stands right now: why we're finally shifting out of a three-and-a-half-year transaction low, why “rentvesting” might be a move to consider in some markets, and the 10-year rule that means almost no one who buys a home ever ends up losing money on it.

Then Nicole and Mauricio dig into the parts of his world reality TV can't capture: the $124 trillion wealth transfer reshaping who owns real estate next, his "playvestment" strategy for buying property purely because it makes him happy, his take on the mansion tax killing development in LA, and whether he'll ever trade real estate for a run at Mayor of Los Angeles.

Start investing investing at SoFi.com/MNN 

Check out Nicole's financial literacy course ⁠The Money School⁠ 

Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ 

Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ 

Learn more about Mauricio’s work and The Agency

Here's what Nicole covers with Mauricio:

00:00 Are You Ready for Some Money Rehab?

03:04 Is This a Buyer's or Seller's Market?

04:10 Comparing Today's Market to Past Cycles

08:17 The 10-Year Rule According to Mauricio

09:21 Rentvesting Explained

10:35 Real Estate Returns vs. the Stock Market

11:45 Where Mauricio Would Buy Right Now

14:35 His Investment Thesis: Hospitality, Flipping, and Branded Residences

15:43 The Real Odds of Getting a Deal Done

16:56 Inside His Portfolio: Real Estate vs. Equities

17:53 Will AI Replace Real Estate Agents?

19:01 The $124 Trillion Wealth Transfer and Family Compounds

22:15 Short-Term Rentals and the 2028 LA Olympics

23:12 Would He Run for Mayor of LA?

29:56 The Mansion Tax, Explained

32:16 Reality TV: Help, Hurt, and Are the Numbers Even Real?

39:01 The Passion Project That Makes Him Zero Dollars

40:16 The Truth Behind His "$6 Billion" in Sales

46:24 Mauricio's Tip You Can Take Straight to the Bank

All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Divorce attorney James Sexton has a theory: the smartest thing you can do before you get married is think like someone whose job is ending marriages. Today, James joins Nicole for part one of a two-part conversation, sharing what you need to know before you say "I do." Make sure you're subscribed to Money Rehab so you don't miss part two in a few weeks, where they get into what you need to know before you get divorced.

James unpacks why every couple needs a prenup, and shares the wildest prenup clause he's ever seen. He also gets into what actually makes fidelity and sex clauses hold up in court, and why most DIY prenups fall apart long before they're ever tested. 

Then Nicole and James zoom out to the stuff that can predict divorce long before anyone hires a lawyer: the small, unsexy daily habits that keep a relationship alive, and the financial fights that are never really about the money. Plus, James explains why he thinks couples should see a divorce attorney before they get married, and as weird as it sounds… we agree.

Start investing investing at SoFi.com/MNN 

Check out Nicole's financial literacy course ⁠The Money School⁠ 

Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ 

Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠

Learn more about James Sexton and his work

Here's what Nicole covers with James:

00:00 Are You Ready for Some Money Rehab?

03:13 Why James Chose Divorce Law (Not the Money)

06:06 Has Divorce Law Soured James on Romance?

08:33 James's Own Marriage, Divorce, and Dating Life Now

14:23 Why You Should Talk to a Divorce Attorney Before You Marry

15:49 The Small Habits That Keep a Relationship Alive

21:16 What Actually Ends Marriages

27:28 Should Marriage Have a Higher Bar to Entry?

29:37 Is Your Prenup Actually Enforceable?

31:38 The $10,000-a-Pound Prenup Clause: A True Story

38:03 DIY Prenups and What Not to Skip

44:54 Fidelity Clauses and Sex Clauses

49:01 Do Prenups Actually Prevent Divorce?

50:41 Why the Prenup Conversation Is Secretly Romantic

53:03 The Story of the Lemons: Why Positional Bargaining Fails

57:51 The Most Toxic Financial Fights in Relationships

58:41 What Money Can (and Can't) Buy

1:00:54 Coming Up: James's Divorce Advice in Part Two

All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Nicole is teaming up with U.S. Bank to unpack the state of small businesses and what entrepreneurs can do right now to get ahead. 

Nicole sits down with Shruti Patel, U.S. Bank's Chief Product Officer for the Business Banking segment, to unpack the findings from the bank's fourth annual Small Business Survey and what they reveal about the state of entrepreneurship right now. Shruti breaks down why small business optimism dipped from 93% to 83% this year even as resilience holds strong, why only 3% of owners are currently considering a sale or exit, and what that signals about the massive wealth transfer coming as Boomer-aged owners hand off their businesses to the next generation over the next decade.

Then the conversation turns to Gen Z founders specifically: their appetite for bold, calculated risk, and the surprising trend of delaying life milestones like marriage and family to build their businesses… a bet that, according to the data, is actually paying off in faster growth.

Nicole and Shruti also get tactical: how business credit actually works (and why your personal credit score matters more than you'd think) and the real documentation lenders want to see. Plus: how small businesses are using AI to cut costs (even when the ROI math gets murky), where digital currency payments stand today, and why frictionless checkout is a bigger deal than most owners realize. 

Learn more about U.S. Bank's Small Business Banking solutions at: usbank.com 

Check-out the results of U.S. Bank’s Small Business Survey: https://www.usbank.com/business-banking/business-resource-center/small-business-survey.html

Here's what Nicole covers with Shruti:

00:00 Are You Ready for Some Money Rehab?

00:43 Meet Shruti Patel, U.S. Bank's Chief Product Officer

01:20 Inside U.S. Bank's 4th Annual Small Business Survey

02:16 Why Optimism Dropped from 93% to 83%

04:45 Why Only 3% of Owners Are Considering an Exit

05:18 The Great Wealth Transfer and Succession Planning for the Next Decade

06:31 Inside Gen Z's Bold, Calculated Approach to Risk

07:37 Delaying Marriage and Family to Build a Business

09:03 "You Can Have It All, Just Not All at Once"

11:07 How Gen Z Defines Success

12:10 The Death of the "Shark Tank" Fundraising Dream

13:45 Debt vs. Equity: Rethinking How to Finance Growth

14:17 What Banks Look for Before Approving a Loan

16:08 Do Businesses Have Their Own Credit Score?

17:38 Personal Guarantees and the Documentation You'll Need

19:06 The SBA Loan Process

19:38 How Small Businesses Are Actually Using AI to Save Money

21:16 The "Digital Target Checkout" Problem with AI Costs

22:39 Where Digital Currency and Crypto Payments Stand Today

24:15 Why Frictionless Checkout Is Everything

26:03 Inside U.S. Bank's Business Essentials Launch

29:32 U.S. Bank's Partnership with the NFL and the Financial Edge Program

33:45 Shruti Patel's Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Kevin O'Leary is back on Money Rehab, and this time he's changed his tune on crypto. Nicole presses "Mr. Wonderful" on his wild reversal: from owning 27 coins to just two, why he thinks the real money is now in power infrastructure, and why the Clarity Act could break Bitcoin’s price ceiling.

Kevin also gets into the messy, litigious world of data centers, including the lawsuits, the death threats against his own family, and where he thinks the money trail leads. Then things get personal: his $5 million "you're not wealthy until" rule, the eye-popping story behind the $35 million outfit he wore to the Oscars, and which Shark he’d call to bail him out of jail.

Of course, no Kevin O'Leary episode is complete without a fight, so Nicole and Kevin reignite their $28 sandwich debate and reach a truce… Almost.

Start investing investing at SoFi.com/MNN 

Check out Nicole's financial literacy course ⁠The Money School⁠ 

Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ 

Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ 

Here's what Nicole covers with Kevin:

00:00 Are You Ready for Some Money Rehab?

01:25 Kevin O'Leary Returns (RIP Labubu)

02:05 Confessions of a "Social Media Whore"

04:33 Buying Longevity: The Ozempic Debate

07:30 Wealth, Health, and Sleep Optimization

08:45 Inside Kevin's Lawsuit Playbook

14:00 Foreign Adversaries and the Data Center Wars

15:19 Debunking the Data Center Water Myth

19:19 From 27 Coins to Just Two: Kevin's Crypto Reset

23:55 The Quantum Computing Threat to Bitcoin

26:36 Kevin's New Bitcoin Price Target

29:01 Why Power, Not Crypto, Is the Real Trade

33:07 Should You Still Buy Crypto Right Now?

34:41 The Kidnapping Risk Nobody Talks About

36:28 The Money Bag: Financial Envy

38:01 The $5 Million Rule for Feeling Wealthy

40:15 Why Kevin Refuses to Google His Net Worth

42:23 The $35 Million Oscars Outfit

49:19 Passing Down Collectibles (and the Tax Trap)

51:40 Who Bails Kevin Out of Jail?

58:56 Kill, Marry, Fire: Pelosi, Holmes, and Cathy Wood

1:03:55 Data Center Death Threats

1:04:16 Round Two: The $28 Sandwich Fight

1:10:42 Kevin O'Leary's Tip You Can Take Straight to the Bank

All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Bill Ackman built one of the most closely watched hedge funds on Wall Street; when he speaks, markets move. Literally. Today, he joins Nicole to break down the opportunities he’s seeing in the market, which companies are in his portfolio, and what could trigger the next 2008. 

Bill walks Nicole through his investing playbook, the biggest mistake new investors make, and whether we’re in an AI bubble. Then, Nicole and Bill play a rapid-fire round of Bullish or Bearish where Bill gives his takes on gold, Bitcoin, Chipotle, Starbucks, T-bills, Trump, and Mamdani. Bill also gets personal about his inheritance plans for his four daughters, what he actually thinks makes someone successful in business, and whether he would run for office.

Check out Nicole's financial literacy course⁠ ⁠The Money School⁠⁠ 

Find a Financial Advisor or Financial Coach from Nicole's company⁠ ⁠Private Wealth Collective⁠⁠ 

Watch video clips from the pod on⁠ ⁠Money Rehab's Instagram⁠⁠ and⁠ ⁠Nicole Lapin's Instagram⁠⁠ 

⁠Follow Bill Ackman⁠ on X

Learn about ⁠Pershing Square⁠

Here's what Nicole covers with Bill:

00:00 Are You Ready for Some Money Rehab?

01:14 Bill Ackman on the State of the Economy Right Now

03:00 Who Wins the AI Race: OpenAI vs. Anthropic vs. SpaceX

04:31 Why a Great Business Is Like a Bond

05:56 Is the Stock Market Too Expensive Right Now?

07:01 Where to Put Your First $1,0000

7:39 Inside Pershing Square's 12-15 Stock Portfolio

09:22 Democratizing Hedge Funds with PSUS

10:39 Buying Stocks at a Discount

11:18 Apple's Innovation Problem and Life After the iPhone

12:33 The Best Advice for New Investors

14:06 Are We in an AI Bubble?

16:46 Predicting the Future and the Next Financial Crisis

17:52 Why You Should Never Borrow Against Your Stocks

19:20 Carl Icahn's Billion-Dollar Leverage Cautionary Tale

20:16 The Worst Investing Advice He's Ever Heard

23:00 Fixing the Retirement Crisis

25:48 Bullish or Bearish: Gold, Bitcoin, Chipotle, Starbucks, Trump and Mamdani

33:30 What It's Like When Your Tweets Move Markets

35:15 Would Ackman Ever Run for Mayor of NYC?

38:01 The World He Wants for His Four Daughters (and His Inheritance Plan)

42:25 The Real Formula for Success in Business

44:21 Bill Ackman's Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Comedian and creator Laura Clery built a media empire of 26 million followers, and then watched her marriage and her bank account collapse at the same time.

Laura opens up about the financial wreckage of her divorce: how her ex-husband's relapse and addiction affected their financial lives, how she ended up paying two mortgages at once without fully understanding why, and the surreal moment she realized her water had been shut off. She walks Nicole through the costly mistake of choosing mediation over hiring a lawyer, why she couldn't afford the retainer when she finally needed one, and the moment her ex hacked her YouTube and Facebook accounts, deleting years of content and her entire livelihood in the process.

Nicole and Laura also get into the bigger financial lessons: why Laura now insists every woman keep her own separate bank account, how watching her mother stay in a difficult marriage without financial independence shaped her own choices, and how she rebuilt. But first, Laura shares about the freak accident that almost killed her.

Check out Nicole's financial literacy course ⁠The Money School⁠ 

Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ 

Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ 

Get What Doesn’t Kill You Makes You Hotter

If you or someone you know is struggling with the same issues Laura speaks of today, here are resources for addiction and domestic abuse

Here's what Nicole covers with Laura:

00:00 Are You Ready for Some Money Rehab?

02:03 The Freak Refrigerator Accident

12:24 The Inside Job Conspiracy

14:35 Writing What Doesn't Kill You Makes You Hotter

16:12 Early Money Dynamics With Her Ex

18:31 Booking TV Commercials

21:52 Becoming Facebook's Biggest Comedy Star

23:45 Who Really Controlled the Money

25:01 The First Relapse and Years in Recovery

27:00 Catching the Infidelity

29:53 When It All Went Public

32:00 "You're Not a Victim, You're a Volunteer"

37:08 No Prenup and Two Mortgages

39:53 The Day Her Water Got Shut Off

42:27 Choosing Mediation Over a Lawyer

47:00 The Hack51:14 Post-Separation Abuse

54:47 Why She'll Never Live With a Man Again

58:37 Her Parents' Marriage and the Cost of Staying

1:01:01 Why Every Woman Needs Her Own Bank Account

1:01:51 "Mommy Has Money Again"

1:02:39 Money Fixes Money Problems, Not Everything Else

1:05:54 Reframing the Mental Block

1:09:41 Laura Clery's Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

As Chief Investment Strategist at Hightower Advisors, Stephanie Link spends her days researching the market’s winners. Today, she's breaking it all down for us. Stephanie explains why the economy keeps defying the doom-and-gloom headlines, which stocks she thinks will champion the next decade, and why she believes we're only in the third inning of the AI revolution.

Nicole and Stephanie get tactical fast: the difference between the Mag 7 and the "S&P 493," which stocks are not worth the hype, and Stephanie's thesis that cybersecurity stocks will end up being bigger than AI. She names her favorite tickers across cybersecurity, data centers, robotics, and quantum computing, and explains whether it’s too late to buy NVIDIA. Stephanie also gets real about the so-called "AI bubble," the circular spending debate freaking out investors, and why she bought SpaceX but capped it at just 2% of her portfolio.

Plus: what her 19-year-old daughter is investing in, why "FAANG" just got a 2026 update, and the one boring, unsexy ETF Stephanie says every new investor should consider.

Check out Nicole's financial literacy course ⁠The Money School⁠

Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠

Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ 

Read more about Stephanie’s work

Here's what Nicole covers with Stephanie:

00:00 Are You Ready for Some Money Rehab?

01:12 Stephanie Link Joins Money Rehab

01:41 Why the Market Keeps Defying the Doom and Gloom

04:07 CapEx, Decoded

06:58 The K-Shaped Economy: Why the Vibes Don't Match the Numbers

09:49 Inflation, Oil Prices, and the War's Ripple Effect

11:41 Mag 7 vs. the S&P 493: Which ETF Should You Buy?

16:16 Why Stephanie Says No to Leveraged ETFs

17:32 Cybersecurity Will Be Bigger Than AI

20:16 The Best Cybersecurity Stocks on Stephanie's List

23:15 How to Vet a CEO Before You Buy the Stock

25:16 Investing Lessons from Stephanie's 19-Year-Old Daughter

28:23 What Stephanie Won't Buy: Crypto, Staples, and Energy

32:20 Inside the AI "Food Chain": Powering the Data Center Boom

35:43 Robotics and Quantum Computing: The Next Big Themes

41:00 MicroStrategy vs. Palo Alto: What "On Sale" Really Means

43:07 FAANG Is Dead, Long Live MANGOES

43:47 Why Stephanie Bought SpaceX (and Kept It to 2%)

55:40 Is It Too Late to Buy NVIDIA?

59:06 Grading the Innings: AI, Cybersecurity, and Robotics

59:50 Hot Stocks: Micron, SanDisk, and the Chips Everyone's Chasing

1:02:27 Is There an AI Bubble?

1:03:16 The Circular Spending Debate

1:08:08 Stephanie Link's Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Disclosures: Hightower invests in companies including Boeing Company, Dover Corp, General Electric, Quanta Services, Rockwell Automation, Union Pacific Corporation, Broadcom, International Business Machines Corporation, Marvell Technology Inc, ServiceNow Inc, Palo Alto Networks Inc, Snowflake Inc, Synopsys Inc, Bank of America, Capital One, Coinbase, Morgan Stanley, Truist Financial Corp, Amazon.com Inc, Meta, SpaceX, Alcoa Corp, Antofagasta PLC, Natera Inc, UnitedHealth Group Inc, iShares MSCI Brazil ETF, SLB Limited

Learn more about your ad choices. Visit megaphone.fm/adchoices

Employment attorney Ryan Stygar joins Nicole to hand us the playbook our employers hope they never find. He breaks down what "at-will employment" actually means and the exact moves to make the moment you get that dreaded out-of-nowhere email from HR. He also reveals everything that's negotiable in a severance package: the cash amount, COBRA coverage, equity vesting schedules, and non-disparagement clauses, and shares how he turned a $6,000 severance offer into over $60,000 for one client.

Then Nicole and Ryan role-play a firing from both sides of the table — so you know exactly what to say and what never to say. They dig into the issues that disproportionately affect women at work: pregnancy discrimination (the number one form Ryan sees in his practice), his controversial-but-legally-sound advice to disclose your pregnancy early, what rights you have if you miscarry, and how return-to-office mandates are quietly being weaponized as stealth layoffs. 

Plus: AI keystroke monitoring, non-competes in the current legal landscape, and the interview questions that are totally illegal — that you're probably being asked right now.

Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ 

Get Ryan's book ⁠Get It in Writing⁠

Here's what Nicole covers with Ryan: 

00:00 Are You Ready for Some Money Rehab? 

02:01 Ryan's Path: From Firefighter to Workers' Rights Lawyer 

02:52 Nicole Gets Let Go From CNN 

03:44 Why HR Is Not Your Friend 

05:34 The Right (and Wrong) Way to Fire Someone 

06:41 It's Illegal to Fire Someone for Discussing Their Pay 

08:44 Building Your Paper Trail From Day One 

20:07 At-Will Employment, Explained 

24:50 What to Do the Moment You Get That HR Email 

26:31 Don't Sign Anything When You're Fired 

29:14 Severance Is Negotiable 

31:54 How Contingency Lawyers Can Help (Even When You're Broke) 

33:38 What Else Is on the Table: COBRA, Equity, and Non-Disparagement Clauses 

37:38 Role Play: Getting Fired (What Not to Do) 

39:23 Role Play: Getting Laid Off (The Right Way to Handle It) 

44:09 How a Good Employer Handles the Conversation 

46:34 Freelancers and the 1099 vs. W-2 Trap 

49:59 The Fear of Getting Blacklisted for Asserting Your Rights 

50:19 Sexual Harassment: Who's Most at Risk and What to Do 

52:44 Maternity Leave and Pregnancy Discrimination 

55:28 Controversial Advice: Disclose Your Pregnancy Early 

59:14 What to Get in Writing When You're Pregnant 

01:02:16 Your Rights If You Miscarry 

01:04:59 Return to Office as a Stealth Layoff Strategy 

01:08:10 AI Tracking and Keystroke Monitoring 

01:12:25 Non-Competes: What You Need to Know in 2026 

01:17:09 Illegal Interview Questions (Role Play) 

01:23:00 Ryan Stygar's Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor or attorney before making any financial or legal decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Nicole used to think insurance was a boring subject.... until she lost her home in the Palisades fire.

Today, she is teaming up with the ⁠Coalition for an Insurable Future⁠ to tell you about what you need to know about the insurance issue that could become the next great American financial crisis, and how to protect yourself.

In this episode, Nicole sits down with Chloe Demrovsky, one of the nation's leading voices on disaster risk and resilience. Nicole and Chloe break down the numbers: homeowners insurance premiums are up 74% since 2008, 40% faster than inflation, and 95% of American homeowners are already feeling it. Then they get tactical: what "uninsurable" actually means, the coverage gaps that catch most people off guard (spoiler: flood is not in your standard homeowners policy), and the exact steps to take before a disaster strikes.

Learn more about ⁠the Coalition for an Insurable Future⁠ and ⁠follow⁠ their work. 

Learn more about ⁠Chloe Demrovsky⁠ and ⁠follow⁠ her work.

#CoalitionForAnInsurableFuturePartner

Learn more about your ad choices. Visit megaphone.fm/adchoices

Allie K. Miller is the number one most-followed voice in AI business and an advisor to Fortune 500 companies , and she's on Money Rehab to tell us that most people are leaving serious money on the table by treating AI like a productivity tool. Today, Allie joins Nicole to break down exactly how to use AI as a wealth strategy in 2026 and beyond.

Allie pulls back the curtain on her AI workforce (34 agents named after Friends characters) and explains why delegation is now a financial strategy, not just a productivity hack. She and Nicole dig into the most important question everyone has right now: what's safe to share with AI, and what isn't? From feeding Claude your insurance policy after a disaster, to connecting AI directly to your investment accounts, Allie lays out how to think about risk and leverage when it comes to your financial data.

They also tackle the hard questions about kids and AI: AI companionship dangers, AI toys, age limits, whether college is even coming back, and why "AI scams are the new white vans." Finally, Allie shares her honest, unfiltered take on investing in AI companies, why she's long-term bullish, and the bold predictions people are calling her crazy for making today.

Check out Nicole's financial literacy course The Money School

Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective

Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram

Follow Allie Miller on LinkedIn and Instagram

Here's what Nicole covers with Allie: 

00:00 Are You Ready for Some Money Rehab?

01:13 Allie's AI Workforce Explained

04:00 How to Build Your Own AI Workforce (No Coding Required)

06:40 What AI Still Can't Replace

10:00 Meet Simon, Rachel, Phoebe and the Rest of the Team

12:03 What to Always (and Never) Outsource to AI

18:30 AI Data Privacy

22:48 Customizing AI With Your Personal Context

31:43 Kids and AI: Raising a '90s Kid in 2026

38:10 What Age Should Kids Start Using ChatGPT or Claude?

44:52 How to Hack AI Sycophancy

47:25 Where Allie Draws the Line on AI Companionship

52:20 Using AI to Manage Investments

57:00 Will AI Replace Financial Advisors?

01:00:13 When Will We Be Working With Humanoids?

01:05:15 Investing in AI Companies and the Bubble Debate

01:09:45 Allie's Boldest Predictions

01:14:22 Allie Miller's Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Stand-up comedian and writer Josh Johnson returns to Money Rehab nearly two years after his first time on the show. Since then, he has become a hosting correspondent on The Daily Show, reached millions of followers on socials and continued to post a new stand up set to YouTube (he’s done this for 156 consecutive weeks). He talks about how he’s avoided lifestyle creep as his career has flourished, the best money advice he’s received, and why being broke is like drowning in a swimming pool.    

Then, Nicole gets Josh’s take on some of the strangest recent money headlines, including a woman who reportedly saved $15,000 on groceries by going on dates, Victoria’s Secret stock jumping 48% after changing its ticker to “VSXY,” and why taxes are apparently making Gen Z cry.

Check out Nicole's financial literacy course The Money School

Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective

Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram

Follow Josh Johnson’s incredible work and see him live!

Listen to Josh’s first interview on Money Rehab

Here's what Nicole covers with Josh:

00:00 Are You Ready for Some Money Rehab?

01:46 What's Changed Since Last Time

04:10 The Ownership Illusion

06:28 Why Even Billionaires Never Feel Safe

08:00 How to Stop Moving the Goalpost on Financial Safety

09:18 Lifestyle Creep

12:00 Selling Shoes on eBay and Wikifeet

14:03 The Poisoned Pizza Story

15:18 Why Being Broke Is Like Drowning

19:00 Money-Saving Extremes

24:40 The Culture of Greed and “Good Business”

26:39 Food Insecurity in America

32:17 Cheap Corruption and Political Money

33:03 Structured Notes

37:38 Are We Doing NFTs Again?

40:37 Why Josh Is Skipping AI IPOs He Doesn't Understand

43:00 Funny Money

43:12 The Guy Who Asked His Date for a Venmo Refund

44:53 The Woman Who Saved $15K in Groceries by Going on Dates

46:22 Victoria's Secret's 48% Stock Surge From a Ticker Change

49:00 The $80K AI Deepfake Soap Opera Scam

51:39 Have Taxes Ever Made You Cry?

55:31 Trump's Face on a $250 Bill

59:23 Josh Johnson's Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Inflation just hit 3.8%, the highest it's been since 2023. That means that $100 you had in January? It's worth about $96.30 today.

So today, Nicole breaks down three tools that protect your money when inflation runs hot: I bonds, TIPS, and gold. She explains exactly how each one works, who each is best for, and the critical differences between them — including why gold didn't spike during the pandemic inflation surge the way everyone expected, and why right now might actually be different.

Plus, Nicole shares a little-known strategy called the "gift box" method that lets couples legally stack up to $40,000 in I bond purchases in a single calendar year.

Here is a Money Rehab episode about how to invest in gold

Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠

Here's what Nicole covers today: 

00:00 Are You Ready for Some Money Rehab? 

00:18 Inflation Is Back — And We're All Feeling It 

01:33 What's Driving the Surge (It's Not Just Gas) 

02:30 What 3.8% Inflation Actually Does to Your Dollars 

02:56 I Bonds: The Inflation-Fighting Investment Nicole Loves 

04:34 I Bonds

05:06 TIPS 

08:04 Gold: Flight to Safety or Inflation Hedge? 

10:00 Why Gold Thrives When the Economy Is a Dumpster Fire 

11:40 Tip You Can Take Straight to the Bank: The Gift Box Strategy

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Nicole is joined by journalist and podcast host Nayeema Raza, host of Smart Girl Dumb Questions, for a crossover episode!

This is a shame-free conversation about the money questions we’re all holding in, starting with perhaps the most loaded one of all: should you buy a home?

Nicole breaks down the 5% rule for renting vs. buying, why she personally chose not to buy, and how to strip the emotion out of a decision that's usually anything but. She also answers common questions about debt, HSAs, growing generational wealth and more. Plus, Nayeema and Nicole talk about which expenses are worth going into debt for, and what Mark Cuban told Nayeema about how money can make you feel poorer the wealthier you become.

Listen to Nayeema's podcast Smart Girl, Dumb Questions

Check out Nicole's financial literacy course The Money School

Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective

Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram

Here's what Nicole covers with Nayeema: 

00:00 Are You Ready for Some Money Rehab? 

01:17 Nicole's Controversial Take on Homeownership 

04:44 The 5% Rule: Rent vs. Buy Math 

08:37 Why Nicole Chose to Rent (And Invest the Difference) 

12:30 How the LA Fires Changed Nicole's Relationship to Home 

17:00 Not All Debt Is Created Equal: Good Debt vs. Bad Debt 

20:02 What Rich People Know About Leverage 

24:03 How Nicole Got Into (and Out of) Credit Card Debt 

25:51 Avalanche vs. Snowball: Which Debt Payoff Method Wins? 

28:09 The Shame Cycle Keeping People Stuck in Debt 

29:18 The Debt Game: What’s Worth It? 

34:35 Investing in Your 20s: Nicole's Biggest Regret 

36:27 Nicole's Daughter's Investment Portfolio 

37:15 HSAs, 401(k)s, and Where to Put Your Money First 

38:39 How Do You Know If You're Rich? 

41:26 Mark Cuban on How Money Can Make You Feel Poorer 

42:34 Nicole's "Dumb" Question 

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

The Federal Reserve hasn't been this dramatic in decades. Today, Nicole breaks down everything you need to know about the Fed and exactly what it means for your wallet.

Nicole explains how the federal funds rate actually works, why it doesn't directly set your mortgage rate (but still absolutely affects it), and which accounts move immediately when the Fed acts. She unpacks the Fed's dual mandate, and shares her prediction for what Kevin Warsh will do.

Check out Nicole's financial literacy course The Money School Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Open a high yield savings account with SoFi at sofi.com/mnn

Here's what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 00:15 Why the Fed Is Bringing the Drama Right Now 00:57 What the Federal Funds Rate Actually Is 01:33 How Banks Borrow From Each Other Overnight 02:01 How the Fed Rate Affects You (And What It Doesn't) 02:21 High Yield Savings Accounts and the Fed 02:39 The Fed's Dual Mandate: Inflation vs. Unemployment 03:36 Where Inflation Stands Right Now 04:04 Inside the FOMC: How Rate Decisions Are Made 04:19 Meet the New Fed Chair: Kevin Warsh 04:49 Hawks vs. Doves Explained 05:08 Trump vs. The Fed: The Political Pressure 05:14 Austan Goolsbee Takes Us Inside the Room 07:30 Internal Dissent at the Fed: Not Seen in 30 Years 07:57 What to Expect from Markets on June 17th 08:53 Nicole's Prediction: Will Warsh Cut or Hold? 09:29 Tip You Can Take Straight to the Bank: High Yield Savings

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Olivia Ferney (@travelwithlivii) is the luxury travel agent to the ultra-wealthy, booking private jets, superyachts, and six-figure vacations for some of the richest people on earth. Today, she pulls back the velvet rope on what it's actually like inside that world. If you’re trying to meet a billionaire client or investor, Liv tells you where they’re hanging out.

Liv tells Nicole the most outrageous client requests she's received, why saying "I have no budget" is the biggest red flag a client can send, and what to say to get a hotel upgrade. She also gets real about how working with billionaires has warped her own relationship with money, and the softer lessons she's taken away about what money actually can and can't fix.

Plus: the Instagram-famous destinations she'd never recommend, where billionaires are actually traveling right now, and the shoulder season hack anyone can use to save real money on their next trip.

Check out Nicole's financial literacy course The Money School

Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective

Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram

Follow Travel with Livii learn more about Top Tier Travel

Here's what Nicole covers with Olivia: 

00:00 Are You Ready for Some Money Rehab? 

02:15 Selling Her First Company at 21 and Moving to Miami 

04:49 The Travel Agent Business Model 

07:23 Flying Limes From Different Countries and Other Crazy Client Requests 

09:36 What Clients Think About the Viral Videos 

14:00 Are the Stereotypes About “New Money” True? 

20:43 "Rich People F***ing Love a Refund" 

22:44 Do Billionaires Have Budgets? 

25:18 Overrated Destinations, Best Hotels, and Most Expensive Room Service 

28:30 Where Billionaires Are Traveling Right Now 

32:26 How to Get a Free Hotel Upgrade 

39:16 How Working With Billionaires Changes Your Money Mindset 

43:07 Rich and Depressed Is Still Depressed 

45:30 Prenups, Working With Your Partner, and Wedding Plans 

46:49 Liv’s Tip You Can Take Straight to the Bank

Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Voss is a former FBI lead kidnapping negotiator, betselling author of Never Split The Difference, and founder and CEO of The Black Swan Group; a negotiation, training, coaching, and consulting organization that teaches people how to achieve better outcomes in high-stakes conversations.
Recognized globally as a leading authority on negotiation, Chris developed his approach through decades of experience in crisis negotiation. Today, he and The Black Swan Group apply those principles to business, sales, leadership, difficult conversations, and high-stakes communication through The Black Swan Method® and Tactical Empathy®.
Never Split The Difference has introduced millions of readers around the world to Chris's negotiation methodology. Through The Black Swan Group, Chris and his team help people go beyond understanding the concepts in the book and develop negotiation as a practical, repeatable performance skill through training, coaching, practice, and live experiences.
The Black Swan Group offers in-person negotiation training, live and self-paced online negotiation training, coaching, keynote speaking, and advanced negotiation experiences for business owners, leaders, sales professionals, and other professionals who want to become more effective dealmakers.
Learn from Chris Voss and The Black Swan Group:
Negotiation training and resources: https://www.blackswanltd.com/?utm_source=youtube&utm_medium=social&utm=campaign=moneyrehabwithnicolelapin
In-person and live training: https://www.blackswanltd.com/live-events?utm_source=youtube&utm_medium=social&utm_campaign=moneyrehabwithnicolelapin
Online negotiation training: https://www.blackswanltd.com/online-negotiation-classes?utm_source=youtube&utm_medium=social&utm_campaign=moneyrehabwithnicolelapin

Chris reveals why finding “common ground” is actually a recipe for resentment, why throwing out a number first can kill a deal, and the three conflict types — fight, flight, and make friends — that explain how almost every deal goes sideways. 

Then Nicole and Chris get into why remote work might be quietly tanking your career, an analysis of President Trump’s negotiation style and The Art of the Deal, plus the two lines of code planted in your head before age five that drive everything you do with money, work, and relationships. Finally, because Nicole had to ask, Chris explains what you should say if you’re ever in a hostage situation.

Check out Nicole's financial literacy course The Money School

Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective

Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram

Check out Nicole’s Favorite Chris Voss Book “Never Split the Difference”

Learn More About The Black Swan Method

Here's what Nicole covers with Chris: 

00:00 Are You Ready for Some Money Rehab? 

01:00 Why Splitting the Difference Builds Resentment

03:19 The Myth of “Common Ground”

06:57 Stories From Being the Lead Hostage Negotiator For the FBI 

07:51 How to Get Your Boss to Want to Pay You More 

16:00 The Mistake of Getting Too Personal

18:51 What Should You Say If You’re a Hostage?

19:19 In A Raise Negotiation, Should You Bring Up a Competing Offer?

22:19 Is Body Language Really Important?

27:12 Does Chris Voss Get Nervous While Negotiating?

28:36 Negotiation Role Play and the Script For Getting a Raise

30:31 Should You Throw Out a Number First?

32:25 Don’t Ask “How Can I Help?”

42:15 Negotiating Non-Monetary Perks (Remote Work, Vacation Time, and More)43:06 Chris’ Take on Remote Work: It Makes You a C-Player 

47:31 How to Use Empathy in a Negotiation 

48:00 Why Being Playful Makes You 31% Smarter 

50:20 The Three Conflict Types and Why Deals Die 

59:00 Analyzing Donald Trump’s Negotiation Style

01:08:51 Debunking Negotiation Myths

01:16:00 Rating Deal-Making Cliches 

01:18:13 How To Get Inside Someone’s Head

01:22:38 How Your Upbringing Influences Your Negotiation Skills

01:25:47 Chris Voss's Tip You Can Take Straight to the Bank

Learn more about your ad choices. Visit megaphone.fm/adchoices

Allison Ellsworth built Poppi from a homemade prebiotic soda to a $2 billion brand acquired by Pepsi… but you already know that. Today, Allison talks about what happens afterward, and how to follow-up a successful first act.

Allison opens up about the unexpected grief of letting go of a company that was her identity, and the pressure of building a new company after a successful exit. She also digs into advice for anyone who has a different money mindset than their spouse, and how to find common ground. 

Plus, Allison shares how she’s talking to her three young kids about money and work— and why her kids waving her off with "Have fun, Mom" is her greatest parenting win.

Check out Nicole's financial literacy course The Money School

Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective

Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram

Keep up with Allison on Instagram and TikTok

Here's what Nicole covers with Allison: 

00:00 Are You Ready for Some Money Rehab? 

01:10 When the Wire Hit

03:20 What People Get Wrong About "Billionaire" Headlines 

04:15 The $50K Investment That Went Bankrupt Overnight 

05:50 What Skills Transfer From Running a Company to Managing Wealth (And What Don't) 07:30 Running Your Personal Finances Like a Business 

09:00 The Grief Nobody Warns Founders About 

11:05 Separating Your Identity From Your Company 

13:00 Founder-Led Content and What's Coming Next in Brand Building 

15:20 Building the Second Company Differently 

17:40 Self-Funding vs. Taking on Investors 

19:30 The Emotional Payoff of Returning Money to Early Investors 

21:45 Making 44 People Millionaires 

22:00 Lessons From Being a Shark on Shark Tank 23:30 Female Founders, Mom Guilt, and "Spreadsheets in the Bedsheets" 

26:40 Opposite Money Mindsets in a Marriage 

31:30 Why Allison Has No “Fear Gene”

33:30 Raising Kids With Money Values

36:55 How to Talk to Your Kids About Work Without Losing Them 

39:00 Buying Back Time

41:00 Secure the Bag

45:25 Allison Ellsworth's Tip You Can Take Straight to the Bank

Learn more about your ad choices. Visit megaphone.fm/adchoices

Glennda Baker has been a real estate broker for decades, built a massive social media following teaching everyday people how to buy and sell smart, and learned some of the biggest money lessons the hard way…  including a divorce where her ex looked her in the face and called her a "cash cow." Today, she joins Nicole to share what she knows about protecting your wealth, winning in today's housing market, and building real estate into generational wealth.

Glennda gets raw about her own financial trauma: the manipulation she didn't see coming in her marriage, the moment she was evicted to a vacant rental with her son and hit rock bottom, and why she will never get married again. She explains exactly how divorce hits women differently than men, including a hidden math problem most people miss when splitting a house at today's interest rates. Then Nicole and Glennda get into the real estate playbook. 

They fact-check the viral real estate advice flooding your feed, from writing letters to homeowners to get off-market deals, to using a HELOC for a down payment, to buying property through individual LLCs. Glennda also makes her case for why buying a house for your kid beats a 529, why private equity is keeping Bobby and Susie off the property ladder, and the one negotiation move every buyer should make at closing.

Check out Nicole's financial literacy course The Money School

Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective

Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram

Follow Glennda on TikTok and Instagram

Here's what Nicole covers with Glennda:

00:00 Are You Ready for Some Money Rehab?

01:21 Glennda's Origin Story

03:33 Should You Put Your Spouse's Name on Your House?

06:22 Prenups, Postnups, and Why Everyone Already Has One

07:03 Why Glennda Will Never Get Married Again

08:11 How Divorce Hits Women Differently

09:29 The Hidden Math Problem When Splitting a House

11:43 Glennda’s Money Trauma

17:09 Buying a House Together: What Needs to Be in Writing

20:19 Trusts vs. Putting the House in Your Kid's Name

24:30 Why Glennda Would Rather Buy a House Than Fund a 529

26:35 Real Estate vs. the Stock Market

28:09 Glennda and Nicole Play TikTok Trend or Truth?

38:13 The $47 Trillion Boomer Equity Problem

40:02 The Starter Home Myth

42:00 What Budget Do You Actually Need?

48:52 How Private Equity Is Locking Out Everyday Buyers

52:43 A Hard Look at Affordability

55:00 The 7 Ds of Real Estate

59:33 Closing Cost Strategy

01:03:03 Glennda Baker's Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Nicole unpacks the exact accounts she opened for her daughter, the math that makes starting early almost unfair, and the money script she's determined to rewrite for the next generation. Whether you have a newborn, a teenager, or you're realizing you wish someone had done this for you, this episode is a blueprint.

Nicole breaks down how a 529 plan is far more flexible than most parents realize, why a custodial brokerage account is less about returns and more about teaching kids that money grows quietly in the background, and why a retirement account for a one-year-old is not as insane as it sounds — it's one of the most powerful financial moves a parent can make. 

Check out Nicole's financial literacy course The Money School

Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective

Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram

Here's what Nicole covers today:

00:00 Are You Ready for Some Money Rehab?

01:13 529 Plans: More Flexible Than You Think

02:02 The Math on Starting Early vs. Waiting

02:51 Super Funding: The IRS Loophole Most Parents Miss

03:31 Lump Sum vs. Monthly: The Numbers That Will Shock You

04:00 How to Shop for the Best 529 Plan

04:17 Custodial Brokerage Accounts Explained

05:00 The Financial Aid Trade-Off

05:41 Why Nicole Really Opened This Account for Her Daughter

05:56 The Custodial Roth IRA (Yes, for a 1-Year-Old)

07:00 The Number That Changes Everything

08:00 Roth IRAs and Financial Aid: The Cleaner Vehicle

08:21 Rewriting the Money Script

09:00 Tip You Can Take Straight to the Bank

All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

You’ve probably seen the headlines about luxury investments outperforming the stock market… but is that actually true? And more importantly, is this a game only for millionaires, or is there a way for the rest of us to get in on it too?

Today, Nicole is joined by Dana Auslander, former Blackstone executive and founder of Luxus, a luxury alternative asset manager with the first dedicated Hermès Birkin fund. In this conversation, Dana unpacks the viral headlines, why her investment thesis puts Hermès bags ahead of other luxury brands like Chanel and Louis Vuitton, and how to invest in a Birkin without buying a Birkin.

Then, Nicole and Dana zoom out and explain what the luxury investment trends mean for retail investors, how the macroeconomy impacts luxury investments, and what the counterfeiting problem could mean for the whole market. Then, Dana goes beyond bags and rates watches, art, wine, and jewelry as alternative investments.

Check out Nicole's financial literacy course The Money School

Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective

Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram

Follow Luxus and learn more about the Birkin Fund

Here's what Nicole covers with Dana:

00:00 Are You Ready for Some Money Rehab? 

01:27 Are Birkins Actually Better Than the S&P 500? 

02:00 What Is a Veblen Good — and Why It Matters 

04:06 How Much Is a Birkin, Really?

 04:29 The Secret to Getting One From Hermès 

05:21 Manufactured Scarcity: How Hermès Controls Demand 

06:12 The Rise of the Secondary Market 

07:35 Gross vs. Net Returns: What the Charts Don't Show You 

09:24 Jane Birkin's Bag Sold for $10.8 Million — Dana Was There 

13:00 Is Chanel Actually Investment-Grade? 

14:00 Birkin vs. Stock Market: Where Should You Put Your Money? 

16:38 How the Luxus Fund Works 

21:00 How to Invest Without Buying a Birkin 

23:36 Sourcing Bags Through Private Dealer Networks 

27:15 Storing, Authenticating, and Selling the Bags 

28:33 How to Become an Accredited Investor 

30:07 Is Buying a Birkin a Proxy for Hermès Stock? 

32:20 The K-Shaped Economy and Luxury Demand 

35:10 The Counterfeit Problem Is Getting Scary 

38:18 Luxury Investment Ratings: Watches, Art, Wine, Jewelry 

43:05 Secure the Bag: Financial Literacy for Women

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Jason Oppenheim (real estate broker, founder of the Oppenheim Group— the brokerage covered on Selling Sunset) starts this conversation with a take Nicole was not expecting: it's a buyer's market, and he'd know, because he's been renting for the last three years himself.

In this conversation, Jason covers every hot-button topic in real estate. He unpacks how he thinks AI will disrupt real estate and why he believes humanoid robots will be showing houses within the next two decades. He gets brutally honest about the LA market, why wealthy people are fleeing major cities in droves, and shares the cities he thinks real estate investors should avoid.

He makes the case that renting is not "throwing money away" — in fact, he argues that in many cases renting is a smarter financial move. He and Nicole also debate whether there's actually a housing affordability crisis (Jason says we're misdefining it), how he thinks about money and happiness, and why he hasn’t changed his financial goals since he was broke.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram 

Follow the Oppenheim Group and keep up with Selling Sunset on Netflix

Here's what Nicole covers with Jason: 

00:00 Are You Ready for Some Money Rehab? 

01:11 Is It a Buyer's Market? 

02:09 Why Wealthy People Are Leaving Major Cities 

04:10 Where Are They Going? (And Where NOT to Buy) 

05:38 Why Real Estate Is Not AI-Proof 

10:35 “At Some Point, There Is No Work.” 

17:43 Why Jason Loves 30-Year Treasuries 

19:00 The AI Deflation Thesis 

23:54 Is There Really a Housing Affordability Crisis? 

30:40 Rent vs Buy Debate 

36:21 Behind the Scenes of Selling Sunset 

37:06 Does Money Buy Happiness? 

39:24 Getting His Rolls Royce Stolen 

40:00 How Jason Thinks About Spending vs. Saving 

41:43 What Was Jason's FU Number? 

42:12 Secure the Bag: Jealousy, Googling Your Own Net Worth, Bad Investments 

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

The SpaceX IPO will likely be the largest public offering in history... But before you get excited, Nicole breaks down how the IPO machine actually works, and why some of the smartest people in finance say the system is rigged against you.

Nicole walks through the full IPO process step by step: what underwriters actually do (and what they charge for it), how the roadshow and book-building work, and why the price you'll pay on IPO day is not the price institutional investors paid. She also covers what SpaceX employees need to know right now about their equity, stock options, RSUs, lockup periods, and the tax surprises that can blindside you before you sell a single share.

Then, Nicole shares the framework she uses to evaluate any IPO, including the two sections of the S-1 prospectus most retail investors skip, and explains how you can get in on SpaceX before the IPO.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram 

Here's what Nicole covers today: 

00:00 Are You Ready for Some Money Rehab? 

00:04 The SpaceX IPO: Just How Historic Is It? 

01:08 How the IPO Process Actually Works 

02:12 What Underwriters Do (and What They Cost) 

03:04 The Roadshow and How IPO Pricing Works 

03:45 NYSE vs. NASDAQ: Where Will SpaceX List? 

04:25 Why Companies Go Public 

05:14 What SpaceX Employees Need to Know About Their Equity 

06:00 Lockup Periods Explained 

07:06 Three Things Every Employee Must Do Before an IPO 

08:06 Is the IPO System Rigged? Bill Gurley's Argument 

10:00 The Figma Example: How Retail Investors Got Burned 

11:19 How to Evaluate Any IPO Before You Invest 

13:27 Watch the Lockup Expiration Date 

14:09 Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Emma Grede built a business and media empire (including brands like Good American and SKIMS) without a safety net. Today, she joins Nicole to pull back the curtain on the money mindset, negotiation tactics, and hard-won lessons that got her there.

Emma gets raw about paying herself £45K while paying a male hire £150K to do a worse job, the moment Good American sold $1 million worth of inventory on day one (and why her investors turned on her by noon), and creative strategies she’s used to close major deals. She and Nicole also dig into Emma's exact playbook for negotiating a raise, the traps women fall into with money, and why Emma never lends money — she just gives it.

Then they get into the taboos: prenups, the questions people should stop asking female founders, and whether financial planning and family planning should ever be kept separate.

Pick up Emma's amazing book Start With Yourself

Listen to Emma’s inspiring podcast Aspire

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram 

Here's what Nicole covers with Emma: 

00:00 Are You Ready for Some Money Rehab? 

03:39 Emma's Early Money Mistakes

06:00 The £45K vs. £150K Lesson 

07:12 Learning the Language of Business 

10:34 What Wealthy People Know About Investing 

11:48 Good American's $1M Day One — and the Investor Critique 

15:39 What Money Can't Buy (But People Think It Can) 

18:13 Does Money Buy Happiness? 

19:00 Emma's Secret to Always Asking for More 

19:48 The Natalie Portman / Dior Negotiation Story 

21:58 The Secret to Great Negotiations 

22:30 Negotiating a Prenup at a Restaurant 

24:33 Protecting What You Build During Marriage 

26:45 Raise Negotiation Role Play 

33:18 What NOT to Say When Asking for a Raise 

35:01 Questions Female Founders Get That Men Never Do 

38:20 The "Army of Help" and Financial Family Planning 

40:34 Raising Wealthy Kids Without Ruining Them 

43:59 Emma’s Early Hustle

46:00 Secure the Bag

53:15 What’s Next For Emma 

01:01:39 Emma Grede's Tip You Can Take Straight to the Bank

Learn more about your ad choices. Visit megaphone.fm/adchoices

Jennie Garth went from working on bean fields for 25 cents an hour to buying her first home as a teenager after landing the role of Kelly Taylor in 90210. When she hit it big, people tried to tell her that she didn’t need to know about her finances. Today, she shares the money lessons she learned the hard way.

Jennie and Nicole dig into the psychology behind money: why a scarcity mindset can literally choke off your income, what "Tall Poppy Syndrome" is and why high-achieving women keep cutting themselves down, and how negative self-talk about money doesn't just hurt you… it hurts your kids, too. Jennie also shares why she and her husband Dave don’t combine finances, how she’s embracing the “I Choose Me” philosophy, and the parenting advice she’d give any new mom.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram 

Get Jennie's memoir I Choose Me

Here's what Nicole covers with Jennie: 

00:00 Are You Ready for Some Money Rehab? 

01:47 Jennie's First Job and Early Money Memories

04:19 Faking It in Every Money Meeting 

07:24 The 90210 Pay Gap and the Power of Negotiating as a Team 

10:23 Being the "Hollywood Daughter" and Tall Poppy Syndrome 

14:46 “Fear Is False Evidence Appearing Real”

17:03 How a Scarcity Mindset Literally Stops the Flow of Money 

19:15 How Other People's Words Become Your Financial Self-Talk 

20:26 Raising Money-Smart Daughters 

23:55 How Jennie Inspired Nicole to Start Her Own Wealth Management Firm 

25:41 When Three Suits Walk Into the Room 

26:32 Jennie and Dave's Very Different Money Personalities 

28:44 Why She Bought Her First Husband a Harley and a Music Studio 

30:00 Did She Have to Unlearn That Money Can't Buy Love? 

32:23 Secure the Bag

36:34 Advice for New Moms: Choose Yourself Too 

37:33 Jennie's Last "I Choose Me" Moment

Learn more about your ad choices. Visit megaphone.fm/adchoices

AI isn't coming… it's already here, and it's already reshaping how we work and build wealth. Nicole's prediction: the winners of the next decade will be the techno-optimists, the people who learn to leverage AI to make more money, scale their time, and outsource distractions. Today, Nicole is partnering with Eva Cicinyte to show you exactly how.

Eva is the founder of GNOMI, an AI news agent designed to help people understand what matters in real time. Eva and Nicole break down why traditional news is broken beyond repair, how AI might actually be our best weapon against deepfakes, and why Eva built a feature that gives everyday investors access to the kind of real-time market intelligence that used to be reserved for Wall Street pros.

Then, Eva and Nicole get raw about what it really takes to build a company while building a family. Eva reveals why she kept her pregnancy a secret and shares the story of the conference call she refused to hang up, even as she went intp labor.

Try GNOMI and start with Finance Mode

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Here's what Nicole covers with Eva: 

00:00 Are You Ready for Some Money Rehab? 

01:10 Why Traditional News is Broken 

03:35 How Eva Turned an Unconventional Background Into a Superpower 

10:00 The GNOMI Origin Story 

13:42 Why Every Founder Should Vibe Code 

15:02 GNOMI vs. ChatGPT: What's the Actual Difference? 

20:15 Real-Time Financial News You Can Use 

30:20 When You Need a Patent and What They Actually Cost 

34:08 Raising Millions From One Investor 

37:15 Will AI Kill Traditional News? 

38:00 The Pregnancy She Kept Private 

47:33 Raising Daughters in an AI World 

52:30 Women in AI 

54:18 The Future of News

55:00 Eva's Tip You Can Take Straight to the Bank

Learn more about your ad choices. Visit megaphone.fm/adchoices

Jimmy Donaldson (aka Mr. Beast) built a billion dollar content empire on YouTube. Today, Nicole breaks down how he actually did it, and more importantly, what lessons retail investors can apply to their own portfolio.

Nicole pulls back the curtain on the Mr. Beast business model: why his YouTube videos are actually loss leaders, how Feastables became the real money maker, and why he intentionally lost money on his Amazon deal.  

And if you think none of this applies to you because you have no interest in going viral? Nicole closes with three concrete ways to invest in the creator economy right now, no camera required.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Here's what Nicole covers today:

00:00 Are you ready for some Money Rehab?

00:18 Mr. Beast By the Numbers

02:44 Jimmy Donaldson's Origin Story

04:13 How the Mr. Beast Business Model Actually Works

05:16 Economics of Feastables

06:00 The Beast Games Amazon Deal 

08:08The $5.2 Billion Valuation 

08:38 3 Ways to Invest in the Creator Economy

11:31 Tip You Can Take Straight to the Bank 

All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Tax Day is right around the corner, and tax strategist Karlton Dennis is here to make sure you don't leave a single dollar on the table. Today he breaks down the legal loopholes that you can still take advantage of before the filing deadline and the long-game moves that can keep thousands in your pocket.

Nicole and Karlton cover tax strategies for both W2 employees and entrepreneurs, how parents can use the tax code to build wealth for their kids and new deductions from the Big, Beautiful Bill that you should definitely be taking advantage of. Plus, Nicole and Karlton break down viral hacks like the Range Rover write-off, the Augusta Rule that lets you pay yourself tax-free, short-term rental deductions, and putting your kids on payroll. 

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Follow Karlton on Instagram and YouTube

Work with Karlton

Here's what Nicole covers with Karlton: 

00:00 Are You Ready for Some Money Rehab? 

02:00 Last-Minute Tax Moves Before the Filing Deadline 

02:38 Bonus Depreciation and the Big Beautiful Bill 

03:26 The Range Rover Write-Off: How the Math Actually Works 

05:26 The Best Part of the Tax Code for Entrepreneurs 

07:26 How Karlton Writes Off Clothing

08:38 When Should a Side Hustler Set Up an LLC? 

10:45 IRS Red Flags 

12:01 What Actually Happens During an IRS Audit 

13:28 Why Karlton Thinks of the IRS Like a Dentist 

15:09 How to Pay 0% in Income Taxes (And Why That's Not Always the Goal) 

17:00 How Elon and Trump Avoid Taxes

18:02 Short-Term Rentals 101

25:35 The Augusta Rule: Pay Yourself $28K Tax-Free 

28:28 Why Karlton Is Obsessed with S-Corps 

30:19 The QBI Deduction and How to Maximize It 

31:26 What to Think About When Forming an Entity 

36:35 QSBS: The Exit Strategy That Could Save You $40M in Taxes 

40:38 How to Make Your Kids Millionaires  

44:53 The Backdoor Roth IRA Explained 

46:10 Self-Directed Roths and the Peter Thiel Strategy 

49:29 How to Get Tax Breaks for Watching Movies 

53:36 The Tax Scam to Avoid Right Now: Charitable LLCs 

55:27 Why AI Is Not Your Tax Advisor 

50:07 Karlton's Tip You Can Take Straight to the Bank

All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

The price of oil is skyrocketing— and the ripple effects are spreading fast. Today, Nicole sits down with Lauren Simmons, former trader on the floor of the New York Stock Exchange, to break down exactly what's driving market volatility right now and what you should actually be doing with your money.

Lauren and Nicole get into why the Petrodollar system is cracking, whether the U.S. dollar is still a safe haven (Lauren's honest answer might surprise you), and where big institutional investors are quietly moving their money. Lauren also opens up about her own portfolio — why she put 10% into gold and silver, why she's steering clear of Bitcoin, and her take on the AI bubble question. This episode was taped on 3.26.26.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Check out Lauren’s personal finance book Make Money Move

Here's what Nicole covers with Lauren: 

00:00 Are You Ready for Some Money Rehab?

00:18 Why Oil Prices Are Exploding Right Now 

01:24 Why Americans Pay Global Oil Prices No Matter What 

02:01 The Petrodollar System Explained 

03:25 Is the Dollar's Reign as Safe Haven Over? 

06:13 Why Volatile Markets Are Actually Wealth-Building Opportunities 

07:35 Brent Crude 101 

09:00 How Often Should You Actually Check Your Portfolio? 

10:09 How Much Oil Should Be in Your Portfolio? 

11:36 Why Lauren Is Skeptical of the Dollar Right Now 

13:19 Gold, Silver, and Lauren's Actual Portfolio 

15:06 How to Start Investing in Metals ETFs 

15:55 Bitcoin: Bullish or Bearish? 

17:10 The Crypto Wash Sale Rule Loophole Nicole Is Using 

20:07 Could the Dollar Lose Reserve Currency Status? 

22:00 International ETFs as a Dollar Hedge (VXUS) 

22:12 Defense and Energy Stocks: XLE and Dividend Strategy 

26:00 How to Invest With Your Values (ESG and Its Limits) 

28:39 What Sectors Lauren Is Bullish On Right Now 

29:00 Why Lauren Is Avoiding Pure-Play AI Stocks 

31:00 Is There an AI Bubble? 

33:00 The Energy Problem Powering (and Threatening) AI 

34:53 Lauren Simmons' Tip You Can Take Straight to the Bank

All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Nicole debunks the most viral myths about inheritance and gift taxes, and walks you through exactly how these taxes work, when they actually kick in, and the totally legal strategies wealthy families use to pass on as much as possible to their heirs.

Nicole breaks down the difference between gift tax, estate tax, and inheritance tax; explains the $19,000 annual gift exclusion and the $15 million lifetime exemption; and covers the states that will still come after you even when the IRS won't. Then she gets into the tools the ultra-wealthy use, like irrevocable trusts and Family Limited Partnerships, to legally minimize what they owe. Plus, she shares one simple, free move that anyone can make right now to protect their family's inheritance… no lawyer required.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Here's what Nicole covers today: 

00:00 Are You Ready for Some Money Rehab? 

00:18 Why TikTok's Inheritance Advice Is Wrong 

00:53 Gift Tax 101: The $19,000 Annual Exclusion 

02:24 Gift Splitting for Married Couples 

02:48 The $15 Million Lifetime Exemption Explained 

04:21 Estate Tax vs. Inheritance Tax: What's the Difference? 

05:25 Which States Have Inheritance Tax? 

05:47 How the Wealthy Minimize Estate Taxes 06:09 Irrevocable Trusts Explained 

06:51 Family Limited Partnerships Explained 

07:43 The IRS Isn't Out to Get You — But It Won't Help You Either 

08:04 Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Warren Buffett just stepped down as CEO of Berkshire Hathaway and the investing world is holding its breath. Today, Nicole breaks down the frameworks that turned a $1,000 investment in 1965 into over $30 million, and how you can apply them whether you have $100 or $100 million.

She walks through the most iconic trades of Buffett's career, from Coca-Cola to Apple to his rare misses, and extracts seven timeless investing principles that have nothing to do with hot tips or market timing. Then Nicole turns to what's next: who is Berkshire’s new CEO Greg Abel, what does he inherit, and what does a nearly $400 billion cash pile signal about Berkshire's future direction?

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Here's what Nicole covers today: 

00:00 Are You Ready for Some Money Rehab? 

00:18 The End of an Era: Buffett Retires 

01:03 The $30 Million Case for Long-Term Investing 

01:27 Buffett's Simple (But Not Easy) Framework 

02:00 The Coca-Cola Investment and Brand Loyalty as a Moat 

02:53 The McDonald's Play

03:16 The Apple Surprise

04:12 Buffett's Misses

04:59 7 Investing Lessons You Can Use Right Now 

06:03 Enter Greg Abel: Berkshire's Next Chapter 

06:55 The $400 Billion Question 

07:32 Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Pete Najarian is an NFL linebacker turned successful options trader and today he joins Money Rehab to break down exactly what's happening in the markets right now, where the big opportunities are hiding, and how to read the signals that the pros don't talk about on TV.

Then Pete walks Nicole through a complete options crash course: calls vs. puts, covered calls, naked positions, spreads, and how Warren Buffett secretly uses options to build his biggest positions. He even pulls up Nicole's actual options account live and breaks down what he sees.

Then the conversation gets deeper. Pete opens up about losing his dream home, whether he’d run for governor of Minnesota, and the surprisingly simple investing philosophy that's driven all of his success.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Follow Pete and learn more at Market Rebellion

Here's what Nicole covers with Pete: 

00:00 Are You Ready for Some Money Rehab? 

01:33 Nicole and Pete's History on the Chicago Trading Floor 

03:13 Wolf of Wall Street Era 

07:20 Where Pete Is Bullish Right Now

09:30 How to Read Unusual Options Activity (UOA) 

11:17 Options 101: Calls, Puts, and Plain English Explanations 

12:46 How to Use Options as Portfolio Insurance 

16:17 How Warren Buffett Actually Uses Options 

18:18 Creating Your Own Dividend Stream with Covered Calls

22:17 Pete Reviews Nicole's Options Account 

23:40 Insider Trading and Options 

26:12 Are Options Just Gambling? 

34:18 Pete's Rules for Protecting Yourself 

42:48 Secure the Bag

49:00 Pete on Politics and the Future of Investing in Sports 

52:23 Pete Najarian's Tip You Can Take Straight to the Bank

All investing involves risk, including loss of principal. Options trading involves additional risks and is not suitable for all investors. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Are we in an AI bubble? It's the trillion-dollar question — and depending on who you ask, you'll get completely opposite answers. Today, Nicole cuts through the noise and takes an honest look at what's actually happening inside the AI market right now.

She breaks down why sky-high valuations on AI companies are giving investors serious dot com bubble déjà vu, the circular financing deals that are inflating demand, and why the fact that Nvidia drove roughly a fifth of the S&P 500's gains in 2025 should have every investor paying attention. But she also makes the case for why this moment is fundamentally different from 1999 and what that means for your portfolio.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Here's what Nicole covers today: 

00:00 Are You Ready for Some Money Rehab? 

00:24 Both Sides of the AI Bubble Debate 

00:44 How Much Money Is Actually Flowing Into AI 

01:12 What Sky-High PE Ratios Really Mean 

02:14 Dot Com Bubble Déjà Vu 

03:32 Circular Financing

03:59 The Warren Buffett Market Indicator

04:19 What's Actually Different This Time 

05:10 The Real Risks

05:36 Nicole's Honest Verdict 

06:33 Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Over the weekend, the US and Israel launched coordinated strikes on Iran, killing the Supreme Leader and triggering a wave of retaliatory missiles across the region. This is the biggest military escalation the Middle East has seen in a generation, and it's already moving markets.

Today, Nicole traces the financial chain reaction from the collapse of the 2015 nuclear deal all the way to Monday's market open, and breaks down exactly what this conflict means for your portfolio right now. Oil is surging, gold is spiking, defense stocks are climbing — and travel stocks are getting crushed. Nicole explains why markets recovered faster than expected, what the historical pattern tells us about what comes next, and the one scenario that should actually worry you.

She also breaks down the specific assets that go up and the ones that go down when the US is in conflict in the Middle East and makes the case for why you don't have to play offense, but you absolutely need to know how to play defense.

Here's what Nicole covers today: 

00:00 Are You Ready for Some Money Rehab? 

00:16 How We Got Here 

02:32 The Ceasefire That Didn't Hold 

03:02 The Strait of Hormuz: The World's Most Critical Choke Point 

03:46 Will This Be a Long War? 

04:36 How This Hits Your Wallet: 

08:09 Why Travel and Tourism Stocks Get Hit

09:26 The Historical Pattern Every Investor Should Know 

10:20 The Risks That Could Change Everything 

10:50 Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Bill Gurley is a Wall Street and Silicon Valley legend. He’s the analyst who led the Amazon IPO and went on to become one of the most successful VCs of all time and an early investor in Uber, Zillow, and GrubHub. Today, he joins Nicole to answer the biggest questions on investors' minds right now.

Bill doesn't mince words: yes, we're in an AI bubble— and he explains exactly why, from circular spending deals that smell like Enron to the speculative behavior that always follows a real wave of innovation. He breaks down why the IPO system is rigged against retail investors, what tokenization could do to fix it, and what a SpaceX IPO would actually mean for everyday investors. He also shares the one market sector he thinks is quietly becoming a buy, and the specific Chinese battery stock he personally owns.

Then the conversation shifts to Bill's new book, Runnin’ Down a Dream, and his surprisingly personal framework for building a career you actually love. He shares the question he asked himself twice that changed the entire course of his life, his research on career regret, and why chasing passion is a competitive advantage.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Get Bill's book Runnin’ Down a Dream 

Here's what Nicole covers with Bill: 

00:00 Are You Ready for Some Money Rehab? 

01:12 SpaceX + xAI: What Elon's Deal Really Means 

03:18 Why Retail Investors Keep Getting Shut Out of the Best Companies 

05:55 The IPO System Is Rigged 

08:36 Inside the Amazon IPO

10:40 Are We in an AI Bubble? 

16:30 AI vs. the Dot-Com Bubble

21:15 Which AI Tools Bill Actually Uses 

22:00 Bill's Take on AGI Hype 

23:30 Where Bill Sees Opportunity Outside of Tech 

27:30 The Chinese Battery Stock Bill Personally Owns 

28:45 How to Evaluate Stock Options as an Employee 

31:50 The Hidden Value of Joining a Fast-Growing Company 

33:15 Buy Side vs. Sell Side Analysts 

35:40 The Question That Changed Bill's Career Twice 

38:00 Why Following Your Passion Is a Competitive Advantage 

42:00 How Tito's Vodka Started with a Blank Sheet of Paper 

45:20 Bill's Next Chapter: A Policy Institute 

48:00 Nuclear Energy, Healthcare, and the Issues Bill Wants to Fix 

51:06 Bill Gurley's Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

President Trump wants to cap credit card interest rates at 10%, and if you're one of the millions of Americans drowning in credit card debt, that sounds like a dream. But Nicole breaks down why this proposal might not be the hero story it seems, and what you should actually be doing right now while Washington debates.

Nicole explains the real reason a rate cap could backfire, why people with lower credit scores could end up worse off, and the actionable moves you can make today (no legislation required). From the debt avalanche method to balance transfers, personal loans, and a surprisingly simple phone call that could save you thousands, this episode is your full playbook for escaping the high-interest debt trap.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Here's what Nicole covers today: 

00:00 Are You Ready for Some Money Rehab? 

00:16 Trump's 10% Credit Card Rate Cap, Explained 

01:17 Why This Isn't the Win It Sounds Like 

02:10 Who Could Lose Access to Credit Entirely 

02:52 The Payday Loan Trap Nobody's Talking About 

03:12 What You Can Do Right Now 

03:53 Know Your APR 

04:31 The Debt Avalanche Method 

05:09 Balance Transfer Cards and Consolidation Loans 

06:27 How to Negotiate Your Interest Rate 

07:01 Why Even $25 Extra a Month Matters 

07:41 Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Behavioral scientist and bestselling author Jon Levy is back to unpack how we can leverage our own psychology to build wealth. He explains why publicly announcing your financial goals can actually sabotage them, how “if-then” plans outperform willpower, and why adopting the identity of “I’m an investor” can become a self-fulfilling prophecy. Then Nicole asks Jon what the science says about whether jerks make better CEOs, and he shares research-backed strategies for becoming a stronger leader.

He also gets personal: how growing up as the child of immigrants affected his money mindset, the road to becoming debt-free in eight years, and the amount of money he needs in his bank account to feel safe. Nicole and Jon also discuss how financial frameworks like the sunk cost fallacy apply to relationships and whether your partner might be the best investment you’ll ever make.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Get Jon’s latest book Team Intelligence 

Here’s what Nicole covers with Jon:

00:00 Are You Ready for Some Money Rehab? 

01:47 Jon’s Famous Dinners Explained 

04:17 Why Money is a Mental Puzzle, Not a Math Problem 

06:16 Why Sharing Goals Fails 

07:56 From Housing Markets to Dating Markets

09:42 Is Your Partner the Most Important Financial Decision You’ll Make? 

15:09 Jon’s Leap From Debt to Social Currency 

33:37 Money Values in Marriage 

38:01 Should You Quit the Zombie Job?

39:27 The Chicken/Egg Problem with Success 

45:25 Do CEOs Need to Be Jerks to be Successful? 

49:53 What Makes a Leader 

58:12 How Self Deprecation Erodes Trust 

01:06:57 Jon Levy’s Tip You Can Take Straight to the Bank 

Learn more about your ad choices. Visit megaphone.fm/adchoices

Four-year college isn’t the default anymore…  but saving for your kid’s future absolutely is.

Today, Nicole breaks down the modern playbook for affording college whether your kid is a newborn, or if they’re applying to colleges now. This is your simple guide to 529 plans, custodial accounts, Coverdells, prepaid tuition plans, and the newest government-backed savings option making headlines. If you’ve ever wondered, “What happens to a 529 plan if my kid doesn’t go to college?” Nicole will teach you a smart move there, too.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Here’s what Nicole covers today:

00:00 Are You Ready for Some Money Rehab?

01:11 Where To Start If You Have a Newborn

01:28 Everything You Need to Know About 529s

04:44 Where To Start If Your Kid Is in Grade School

05:42 The Pros and Cons of Custodial Accounts

08:17 Where to Start if Your Kid Is in High School

10:32 Tip You Can Take Straight to the Bank

All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Lucy Guo built one of the most talked-about AI companies in the world before most people finish college. Then, she made headlines when she dethroned Taylor Swift as the youngest self-made female billionaire. Today, she joins Nicole to talk about how she grew wealth, and how you can borrow the money lessons that only show up after you’ve already “made it.” 

Lucy tells Nicole about growing up bullied for not being able to afford the cool brands, scrappy strategies she used to save money when she was building her first company, and navigating the strange attention of being labeled a billionaire while most of that wealth still isn’t liquid. She explains the routines that kept her disciplined, the hard boundaries she set around lending money after getting burned, and stories of her wild money hacks like booking refundable flights to eat free meals in the airport lounges. 

Nicole and Lucy also dive into the hidden playbook of startup money and the creator economy: how Lucy’s fundraising secret is to manufacture FOMO, why the wealthy borrow instead of sell, and the monetization strategy all creators should adopt. 

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Keep up with Lucy on Instagram and learn more about Passes

Here’s what Nicole covers with Lucy:
00:00 Are You Ready for Some Money Rehab?

01:17 Lucy’s Routine and the Impact of Success on Hustle

03:39 Childhood Bullying05:08 Lucy’s Confidence Reset

08:20 Unpacking “Paper Wealth” and Liquidity

13:40 Should You Lend Money to Friends?

14:35 Lucy’s Investing Thesis

18:34 FOMO Strategy in Fundraising

22:22 Billionaire Money Tips

25:03 The Robbery Attempt

27:38 Money Saving Hacks

33:43 Stigma Around “Work Hard, Play Hard”

37:24 Passes and the Creator Economy

53:45 Lucy Guo’s Tip You Can Take Straight to the Bank

Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Nicole breaks down the viral tax strategy everyone on social media is talking about — the claim that buying a short-term rental can legally wipe out your taxes.

She explains the simple idea behind bonus depreciation, why it creates massive upfront write-offs, and how real estate investors use upgrades and accounting strategy to dramatically lower taxable income. But she also pulls back the curtain on the part influencers skip: why a $0 tax bill doesn’t automatically mean you made money, how much cash you still need to spend, and the risks hiding behind the hype.

The Money Rehab Episode About Whether Home Ownership is Overrated  

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

00:00 Are You Ready for Some Money Rehab? 

00:53 Bonus Depreciation 101

03:10 What Changed with the  Big Beautiful Bill

03:38 What Qualifies (and What Doesn’t)

04:22 Fact-Checking the Viral Airbnb Example 

05:37 The Caveats

05:54 Cost Segregation Study Workaround

07:36 Don’t Let the Tax Tail Wag the Dog’ 

09:10 Tip You Can Take Straight to the Bank

Learn more about your ad choices. Visit megaphone.fm/adchoices

Neil Patel’s origin story involves borrowing from his parents’ life savings to keep his startup alive. Not only did his plan work, but he built a million-dollar company, advised companies including Amazon, Google, and Microsoft— and, he paid his parents back.

Today, Neil breaks down the money lessons he learned once he made it big. He shares why he still drives a minivan despite being able to afford something bougie, the unusual way he teaches his kids about taxes, and the important distinction he makes between success and wealth.

Then, Nicole and Neil get tactical and dig into the future of getting discovered online. Neil explains why traditional search is dead and how to adapt, what founders can do if they have a $0 marketing budget, and the SEO do’s and don’ts of naming your business. 

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Check out Answer the Public, the free tool Neil mentioned in this conversation

Find more of Neil’s work and resources here

Here’s what Nicole covers with Neil:

00:00 Are You Ready for Some Money Rehab?

01:09 Launching Crazy Egg and Borrowing From Parents

06:42 Next Ventures and Kissmetrics 

09:43 Do’s and Don’ts of Naming Businesses

15:31 NP Digital’s Massive Success vs Personal Success

21:19 Neil’s Perspective on Wealth, and the “Big R” Framework

29:32 Hot Takes on Money

30:07 Teaching Taxes Through Ice Cream

32:15 Living with Less and Financial Goals

38:45 Trust Funds and Regrets

42:09 Actionable Digital Marketing Advice for Business Owners

42:26 Choose Your Fighter: Email List, Website or Instagram?

44:59 Why Traditional Search is Dead

46:59 SEO vs AEO

55:29 Marketing Tips for a $0 Budget

01:00:49 Tip You Can Take Straight to the Bank

Learn more about your ad choices. Visit megaphone.fm/adchoices

Millions of pages from the Epstein files have been unsealed, but they leave behind even more unanswered questions about how the money and criminal network actually worked. Today, Nicole traces the financial trail behind Jeffrey Epstein’s fortune—what we know, what prosecutors could never fully explain, and how a man with no real business amassed hundreds of millions of dollars.

Nicole breaks down Epstein’s mysterious rise from Wall Street suit to shadowy “financial consultant,” the ultra-wealthy clients who funded the majority of his income, and the explosive reputational fallout that continues to ripple across corporations, universities, and global power players. She also sets straight the rumors that Epstein created Bitcoin, and explains the real financial consequences of association in today’s markets.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Here’s what Nicole covers today:

00:00 Are You Ready for Some Money Rehab?

00:18 The Epstein Files: A Who's Who of Power

00:58 Following Epstein's Money Trail

04:42 Financial Fallout of the Epstein Files

06:20 The Bitcoin Theory

07:28 Ongoing Legal Battles and Reputational Risks

09:22 The Power of Survivors

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Learn more about your ad choices. Visit megaphone.fm/adchoices