Money Rehab with Nicole Lapin

True or false: in a recession, you can only lose money. 

Answer: FALSE!

Nicole explains why (and how!) in today's episode. 

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In this episode, Nicole brings back Wall Street veteran Gary Kaminsky to talk muni bonds and Gary’s VIP ETFs.

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Around a year ago, NFTs were all the rage… but are they even cool anymore? And, perhaps more importantly, are they even valuable anymore? All your NFT Q's and more, brought to you by Nicole and today's guest, Jason Feifer, editor in chief of Entrepreneur magazine and host of the podcasts Build for Tomorrow and Problem Solvers.

You can find more of Jason's work here: https://www.jasonfeifer.com 

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If you have been listening to Money Rehab, you will know just how chaotic the crypto world has been in the last few weeks. Crypto prices have been trending downward— and as a result, faith in crypto is also trending downward. 

To catch-up on crypto news and help investors plan, Nicole chats with Stacy-Marie Ishmael; Managing Editor, Cryptocurrencies at Bloomberg News and Host of the podcast Bloomberg Crypto.

You can listen to Bloomberg Crypto here: https://www.bloomberg.com/podcasts/series/bloomberg-crypto 

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Happy 4th of July, Money Rehabbers! In the spirit of the holiday, Nicole has a special message about financial independence, and how to overcome money mindf*cks. 

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Originally aired Dec 7, 2021.

On Money Rehab, Nicole does unpack the headlines that are in the current news cycle, no doubt about it. But today she’s throwing it back to a hot-button topic from our past. It is true that the only way to protect yourself from repeating history is to understand it, so that you can make different choices in the future. The subprime housing crisis is one that’s worth understanding—especially in today’s climate with questions swirling around crypto being a bubble.

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Originally aired April 19, 2022.

Money Rehabbers want to know: can you negotiate your rent after signing a lease? Be a fly on the wall as Nicole negotiates her rent with her landlord! Can Nicole get a better deal? You’ll have to tune in to find out!

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This is personal for Nicole: after going through a miscarriage last year, her and her fiancé are considering surrogacy. In this two-part episode she follows the money trail of surrogacy with Teo Martinez, CEO of the surrogacy agency Growing Generations. In this episode, they discuss the financial implications for the surrogate. In Part 1 of their conversation, they discussed the financial implications for the intended parents.

To learn more about Growing Generations, click here: https://www.growinggenerations.com/ 

Fertility Benefits Resources, Courtesy of Growing Generations: 

Each organization can assist prospective clients to identify if their explorer has benefits currently and also help begin the conversation if their employer does not provide benefits. 

Carrot

Ex.) Netflix, Stich Fix

Requesting fertility benefits at your company

Making Donor Assisted Reproduction Safer - Mitera, Carrot & Growing Generations

Progyny

Ex.) AT&T, Facebook

Talking with your HR Department

WinFertility

Ex.) Disney, HULU

WinFertility Resources

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This is personal for Nicole: after going through a miscarriage last year, her and her fiancé are considering surrogacy. In this two-part episode she follows the money trail of surrogacy with Teo Martinez, CEO of the surrogacy agency Growing Generations. In this episode, they discuss the financial implications for intended parents. Tomorrow, they discuss the financial implications for the surrogate.

To learn more about Growing Generations, click here: https://www.growinggenerations.com/ 

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Earlier this week, Nicole laid out why she thinks we’re in a recession. But does that automatically mean we’re doomed to repeat the same patterns of 2008? Not necessarily. Nicole is joined by Gary Kaminsky, finance industry veteran, to talk about what we can expect this recession to look like, oil prices, and the beautiful force of compounding interest. 

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Nicole found a Reddit thread about financial expert Dave Ramsey that she found upsetting to say the least. If you’ve ever been burned by a financial expert, this episode is for you. 

Here are some of Nicole’s favorite peers in the financial literacy space:

Tiffany Aliche and Mandi Woodruff: https://brownambitionpodcast.com/

Barbara Corcoran: https://podcasts.apple.com/us/podcast/business-unusual-with-barbara-corcoran/id1378685290 

Rashad Bilal and Troy Millings: https://www.youtube.com/c/EarnYourLeisure 

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Your questions on these topsy-turvy economic times, answered.

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Originally aired Nov. 4, 2021.

The last two years have been marked by uncertainty in every area of our lives—including our finances. Today, Nicole gives her best tips on how to combat money anxiety.

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Originally aired Oct 20, 2021.

Imagining a scenario in which you get laid off is not a fun thought exercise. We all want to have job security, and it’s stressful to think that we might not. But the worst-case scenario is that you get laid off and it takes you completely by surprise. A better scenario (although still a sucky one), is to get laid off, but be prepared to chase your next opportunity. Today, Nicole shares six signs that your company might be announcing layoffs.

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ETF, VTI, ABCDEFU… 

Nicole and Guy Adami (CNBC’s Fast Money) decode some investing alphabet soup, and give you the 411 on an investment you should know about.

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Bitcoin peaked at over $68,000 in November. This week, Bitcoin fell below $18,000. Is this the crypto-pocalypse? Nicole explains.

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Food is a critical expense; you need it to survive (obviously!)… and that’s what makes it such a sneaky financial blindspot. Beyond the vanilla coupon-clipping advice you’ve heard before, Nicole shares eight fresh ways to save at the grocery store. 

And, check-out this app that saves you money on groceries, while saving the planet: https://toogoodtogo.org/en/ 

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With scams on the rise, it’s more important than ever to protect yourself— and to know how to recover financially if you do fall victim to a scam. In Money Rehab episodes 329 and 330, Nicole talks to Rebecca, who lost over $100,000 in a romance scam. Rebecca shares the mechanics of her scam, and the financial and emotional toll. 

If you are involved in a romance scam, you can find help here: https://www.facebook.com/SHUisteamwork/ 

If you or someone you know is experiencing thoughts of suicide, you can find resources here: https://suicidepreventionlifeline.org/ 

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The incidence of catfishing, also known as romance scamming, has dramatically increased over the course of the pandemic. The FBI stated that there were over one billion dollars lost in romance scams last year, and reports of romance fraud reported to the Federal Trade Commission rose a whopping 80%.

With scams on the rise, it’s more important than ever to protect yourself— and to know how to recover financially if you do fall victim to a scam. In Money Rehab episodes 329 and 330, Nicole talks to Rebecca, who lost over $100,000 in a romance scam. Rebecca shares the mechanics of her scam, and the financial and emotional toll. 

If you are involved in a romance scam, you can find help here: https://www.facebook.com/SHUisteamwork/ 

If you or someone you know is experiencing thoughts of suicide, you can find resources here: https://suicidepreventionlifeline.org/ 

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Originally Aired March 23, 2022. 

What’s yours is mine? Not for these Money Rehabbers! Nicole talks to the (absolutely lovely) Evie and Shane, a married couple who don’t share a bank account. According to them, separate bank accounts = less fighting = more romance. Agree? Tune in to hear their story. 

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Originally aired Sept 15, 2021. 

Money Rehabber Ela gets overwhelmed by guilt and anxiety whenever she asks clients for her project rate. That ends today! Nicole invites Ela on for a Listener Intervention that will help her get what she deserves once and for all.

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Riding ups and downs is an unavoidable part of being an investor. The stock market has cycles, and right now we’re in a cycle that folks in the biz call a bear market. But how should you handle your investments during a bear market? And what is a bear market anyway?

Nicole and Guy Adami (CNBC’s Fast Money) tackle these questions and more in today's episode.

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Yes, that’s right. Nicole got a reading of her past lives from expert Elizabeth April, and we got it all on tape. What does this have to do with financial literacy? Everything! Nicole fills you in.

You can learn more about Elizabeth's work at: https://elizabethapril.com/ 

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With the stock market in a downward spiral, you may think all investments are lost causes— but guess again! Today, Nicole shares the inflation-proof investment you need to make... right now. 

To learn more, check out: https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm 

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Want to start investing, but have no idea where to get started? Nicole shares the all-time best seven investing apps, plus an investing tip that might surprise you. 

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Nicole shares everything you need to know about how interest rates are changing, what that has to do with what you’re paying at the grocery store, and how you should adapt.  

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Originally aired on July 29th, 2021

Money Rehab listener Adam calls Nicole for advice on whether he can drop ten grand on his next sleeve. To treat yourself or not to treat yourself? Listen to find out!

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In the early 2000s, a group of teenagers collectively known as "The Bling Ring" reportedly stole over $3 million dollar’s worth of possessions from celebrities like Orlando Bloom, Paris Hilton, Rachel Bilson, Megan Fox, Lindsay Lohan and more.

Over a decade later, a viral Vanity Fair article and a subsequent film still control the narrative of this story— not the people involved. If you watched the film, you might think that Alexis Haines (née Neiers) was the ringleader of the Bling Ring. So it might surprise you to learn that she was actually only at one of the break-ins, and at the time, she was addicted to heroin and dealing with the aftermath of abuse. Alexis will be the first one to tell you that stealing is always wrong. Full stop. But so long as her story is still being told in the media, she should be the one to tell it. 

Alexis tells Nicole and Morgan her side of The Bling Ring story, her tips on manifesting money, the financial and emotional cost of reality TV, the latest on her divorce, the silver linings of her recovery journey, and everything in-between.

To learn more about Alexis and to listen to her podcast Recovering from Reality, check out this link: https://www.recoveringfromreality.com/ 

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Your wedding. Whether or not you’re one of those people who have been dreaming about this day your entire life, you’re probably pretty stoked. It’s a celebration of love, with dancing and cake and champagne. What could be better? But there is the small, teeny, tiny matter of planning it… and paying for it. 

But, we don’t have to go through it alone, we can phone a friend for answers to our questions. And today, we’ll be phoning our friend Nicole Pellegrino— recent bride, wedding expert and host of the funny and helpful podcast Betches Brides.

You can listen to Betches Brides at: https://betches.com/brands/betches-brides/ 

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A lot of first-time homebuyers are intimidated by the mortgage application rigamarole, and have serious anxiety around screwing it up. To curb that anxiety and give industry hacks, Nicole talks to Eric Eisenberg, one of the best mortgage brokers in the country. 

You can read more about Eric and his work at: https://www.experthomeloans.com/ 

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Nicole shares five ways you can save money in the planning phase of your vacation, so that you can take those savings and put them toward something actually fun. Why spend money on expensive flights when you could use that cash for zip lining, horseback riding, pina coladas on the beach, wildlife excursions, museum tours, scuba diving… well, you get the picture. 

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Last week, the highly anticipated verdict in the Johnny Depp vs. Amber Heard case was revealed. Nicole shares how much Heard was ordered to pay Depp, and what happens if she can't afford it. 

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Originally aired January 13, 2022

With thousands of flights canceled over the holidays, people are wondering: is this going to come between me and my pina colada getaway?! Today, Nicole shares her savvy travel hacks to help during this time of canceled-flights-galore.

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Originally aired August 24, 2021. 

A lot of financial experts target money advice to people who have money. But what if you don’t? Today, a Money Rehabber asks Nicole for the type of financial advice that doesn’t cost a dime.

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The internet is split on OnlyFans: is it empowering for women to be able to make money off of their bodies? Or, is it exploitative? And how much money can you make on OnlyFans, anyway? Nicole invites Lauren Urasek, an OnlyFans creator, to answer these questions once and for all.

You can find Lauren on Instagram @Loandthecosmos and @sensorydripstudio 

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With gas prices like these, you may be tempted to stay home. But fear not! Nicole shares five ways you can save and get to where you need to go. 

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Influencing can be a lucrative and worthwhile venture, but in the case of mom-fluencers, it gets a little more complicated. Parenting content can be educational, aspirational and empowering. But what happens when your kid becomes a stream of income? 

Nicole talks about the good, the bad, and the ugly of mom-fluencers with Jo Piazza, author and host of the amazing podcast that covers this industry, Under the Influence. 

To listen to Jo’s stellar podcast Under the Influence, click here: https://podcasts.apple.com/us/podcast/under-the-influence-with-jo-piazza/id1544171101

For Jo’s other work, check out her website: https://www.jopiazza.com/ 

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Money intersects with every area of our lives: our self esteem, romantic relationships, mental health, family ties— everything has a money trail. And because of that, money can get intertwined with our psyche in interesting, and sometimes challenging, ways.

Nicole wanted to dig deep into this, so she called up Lindsay Bryan-Podvin, a financial therapist who combines financial literacy with the emotional and psychological side of money.

To learn more about Lindsay, check out:

Her website: https://mindmoneybalance.com/

And her book: https://www.simonandschuster.com/books/The-Financial-Anxiety-Solution/Lindsay-Bryan-Podvin/9781646040070

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Dear Class of 2022: YOU DID IT! Congrats on this major moment! Now it is time to venture off into the "real world" which is really... upside down. But don't worry— Nicole's got you. She's sharing her best money tips for new grads (and their loved ones). Spoiler alert: it has something to do with super woman (but not Superwoman). 

See omnystudio.com/listener for privacy information.

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Originally aired July 22, 2021.

Today’s episode is a classic story of girl meets boy, girl marries boy, boy takes girl’s name off of bank account and steals girl’s money. Today, listener Faith calls Nicole to ask how to recover after getting “swindled” by Prince Charming.

See omnystudio.com/listener for privacy information.

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Originally aired Nov 26, 2021 

Today, Nicole has a Listener Intervention with a Money Rehabber who, in her words, “doesn’t have a penny in savings.” She says: “My parents didn't teach me this stuff and school certainly didn't. I've always felt like there was a secret world I was excluded from. I wish I would have gotten on this way sooner but I'm clinging to the ole 'better late than never' expression.” Today, Nicole shows this Money Rehabber that it’s never too late.

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Earlier this month, Coinbase users were shocked to read a new disclosure from the company that could cost users everything. Nicole breaks down this headline, and how it unlocks the answer to a key crypto debate.

See omnystudio.com/listener for privacy information.

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Have you ever dreamt that you won the lottery? Do you have a recurring dream you can’t figure out? Have you had a dream about your boo and you feel like it means… something?

Nicole wants to help YOU with your dreams in more ways than one. Dream expert Theresa Cheung is joining Nicole on today’s episode in order to answer the question: what are our dreams trying to tell us? 

To read more about Theresa’s work, check out her website here: https://www.theresacheung.com/

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There have been many product shortages in the last year, due to both pandemic-related issues and supply-chain disruptions, but nothing quite as anxiety-provoking as the baby formula shortage we're facing now. Today, Nicole explains how this industry got so topsy-turvy and what it has to do with corporate consolidation. Plus, Nicole wanted to share the research she’s done and the resources she’s found, in the hopes that she can be helpful to you and your family in this nerve-wracking time. 

See omnystudio.com/listener for privacy information.

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Is it worth lowballing a seller in this housing market? Real estate broker Erik Miles answers this question and more in the second part of his conversation with Nicole.

If you liked this episode of Money Rehab, you'll love Episode 275 - Renting Versus Buying Tug of War. Check it out here: https://link.chtbl.com/S358XjHp?sid=RC 

See omnystudio.com/listener for privacy information.

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After scouring the Los Angeles rental market, Nicole found the one— the perfect house. She put in an application right away and… she got rejected. It gets weirder. The rejection wasn’t about the money. The actual reason Nicole’s application got rejected is much more bizarre. To tell this story, Nicole brings on expert real estate broker Erik Miles.

You can find Erik at:

Agent page: https://www.compass.com/agents/erik-miles/

Social: @erikmilesre @erikmilesgroup

EMG website: www.erikmilesgroup.com

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Originally aired October 8th, 2021.

In today’s Listener Intervention, Nicole chats with a Money Rehabber whose landlord is looking to raise her rent big time. What’s her next move? Listen to find out!

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Originally aired on October 21, 2021.

We’ve all dreamed about winning the lottery, but what is it actually like? Today, Nicole calls up Powerball winner Timothy Schultz to find out.

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Bad emails: we’ve all maybe received them, and we’ve all definitely sent some, but we can put an end to iffy emails… with a little help. That help comes to us from Entrepreneur magazine editor in chief (and one of Money Rehab’s favorite guests), Jason Feifer. You’ll laugh, you’ll cry, you’ll think twice before “replying all.” 

See omnystudio.com/listener for privacy information.

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In this episode, Nicole talks to Avis Cardella: writer, author and recovering shopping addict. Avis describes how she fell into the downward spiral of daily shopping, and more importantly: how consumerism had become a coping mechanism. Forget the movies— this is a raw picture of what shopping addiction really looks like. 

If you or someone you know needs help managing debt, check out Debtors Anonymous: https://debtorsanonymous.org/ 

To read more of Avis’ work, check out her website: https://aviscardella.com/ 

To read Avis' book, click here: https://www.amazon.com/Spent-Memoirs-Shopping-Avis-Cardella-ebook/dp/B00351DSSM/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=1652686893&sr=8-1 

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