Money Rehab with Nicole Lapin

On Nicole’s second #TBT episode, she unpacks the Bernie Madoff scandal and answers questions like: how did Bernie Madoff pull off the biggest Ponzi Scheme on record? And how can we protect ourselves from the next big scam?

As promised, here are:

• Investment Adviser Public Disclosure: https://adviserinfo.sec.gov/ 
• Financial Industry Regulatory Authority’s(FINRA’s) BrokerCheck database: https://brokercheck.finra.org/

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Happy 2022, Money Rehabbers! In this episode, Nicole shares tips for making your New Year’s Resolutions count. Here’s to a new year, new me (and you!), and a new (and improved!) financial life!

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Happy freakin’ New Year's Eve everyone! 2021 was another rollercoaster of a year, but let’s embrace this day as the start of something new. Today, we revisit an episode on investing in your future. For the sake of your future self, listen up!

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Just like any other sponsor, Nicole can talk the talk because she’s been where we all are. Today, we re-air the episode where she shares how she got into—and out of— credit card debt.

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Is 2022 the year you get that freakin’ raise? We say: Heck! Yes! Tune in to find out how.

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This week, Nicole is throwing it back to the five Money Rehab episodes that are most fundamental to acing your financial New Year Resolutions. We’re looking ahead and getting our financial shit together: hindsight is 2020, but the future is 2022, baby! Today, we’re tackling all things budget.

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Today's listener did the thing: he turned his hobby into a jobby, and is selling his art. Now he wants to know... how much should he sell it for? Nicole jumps in with a tip that will help make it rain.

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Today, Jason Feifer (editor in chief of Entrepreneur magazine), joins Nicole to talk about a taboo topic in the money world: salary. Should we be talking openly about how much we’re making? Nicole and Jason hash it out today!

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… We know what we said in yesterday’s episode: don’t get off the rollercoaster in the middle of a ride. That’s totally true. But at the same time, there are exceptions where you should cut your losses. Today, Nicole walks you through what those exceptions are, and how to handle them.

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When the stock market tanks, what should you do? Buy! We know this is counterintuitive: if the market is tanking, why would you want to double down and buy more? It feels like running into a burning house, right? Today, Nicole breaks it down.

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Today, Nicole answers the question from a listener: “Do I really have to tip my super?” Tune in to find out!

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Maybe you know Joy from her innovative products (hello, Miracle Mop!), or maybe you saw Jennifer Lawrence play Joy in the movie oh-so-appropriately called “Joy.” Today, Nicole and Joy answer the question: So I have a million-dollar idea… Now what?

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Moving can be expensive… and a headache. Our host Nicole Lapin got a big dose of expensive headaches when on the day-of her cross-country move from Brooklyn to Los Angeles, she ended up stranded on the sidewalk with all of her earthly possessions, and no movers. Do yourself a favor: listen to this cautionary tale.

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Writing her three (with the fourth on the way!) books has been a very rewarding experience for Nicole. But it wasn’t easy. Today, Nicole reads the letter she wrote to former pre-author self and shares the tips and advice she wishes she knew before putting pen to paper.

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Say what you will about the Kardashian-Jenner clan, but it’s pretty undeniable that they hustle hard. Their lifestyle can seem pretty unattainable (Stormi, who—let’s not forget—is a toddler, has more shoes than everyone on the Money Rehab team combined). But while their lifestyle may be out-of-reach now, their work ethic isn’t. Today, Nicole unpacks how the Kardashian-Jenners became recession-proof, and how you can be too!

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The very first step in making a successful retirement plan (yes, even before starting that IRA) is to know how much you’ll actually need for retirement. Today, Nicole answers a question from a listener about how the heck to make that prediction. Tune in to find out!

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Nicole has already dug into some Money Rehab around the financial implications of caring for a baby (boy, can that little one have a big impact on your finances!). But depending on your situation, you can be hit with a ton of costs just to get pregnant—yes, even before you have that little bundle of joy. Today, Nicole talks about her experience freezing her eggs; the financial, physical and emotional costs, and gets real about the return on her investment.

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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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On Money Rehab, Nicole has talked about best practices around getting a head start on retirement… but what if your head start has come and, well, gone? Today, Nicole breaks down creative ways to rethink your retirement plans and catch up with your goals. 

To figure out your goal retirement budget, click here:

https://nicolelapin.com/retirement-calculator/

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Aliza Licht, PR guru and real-life The Devil Wears Prada insider joins Nicole today to talk about how to be your own PR team, and what a career in PR really looks like.

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Once you have found your bae for life, the time will come when you need to have The Talk. No, not the talk to DTR. I’m talking about The Money Talk— when the two of you come clean about money: what your financial situation really is, and of course the little secrets that may come back to haunt you (like money you owe to an ex). Today, Nicole breaks down what financial topics should be out on the table… and how to get them there.

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When it comes to giving around the holidays, it really is the thought that counts— so be thoughtful about the gifts you’re giving, while also being thoughtful about how much they cost. Stick to your spending plan, and try Nicole’s five gift ideas that won’t break the bank.

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Why stop the good insurance times from rolling? Today Nicole calls up her insurance guru Nichole (double Nicole trouble!) and asks her what people should take out insurance policies for, and what to do if you lose jewelry your ex gave you (asking for a friend).

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Our producers are now wondering if they need accidental death insurance… working fully remote. Are you in the same boat? Today, Nicole helps us all!

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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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Happy Thanksgiving, Money Rehabbers! Today Nicole talks about the importance of gratitude for your mental—and financial— health. Wondering what Nicole is grateful for this year? We’ll give you a hint: it starts with “Y” and ends with a “O-U!”

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If there’s ever a time to “phone a friend,” it’s during open enrollment for health insurance. What kind of nightmare human decided on the terminology for health insurance? Does it need to be this freakin’ complicated?? The short answer: no, no it does not. Today, Nicole unpacks the jargon and helps you decide which policy is right for you.

If you don't get health insurance through your work, check out options here: https://www.healthcare.gov/

Or, here: https://www.hioscar.com/

Check out NPR's awesome glossary of terms here: https://www.npr.org/2021/10/15/1046371801/health-insurance-terms-defined-open-enrollment

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‘Tis the season for holiday shopping, and ‘tis the weekend for big holiday deals. But with supply-chain hold-ups this year, there are some things to consider if you want to get that serious bang-for-your-buck the way that you expect to on Black Friday and Cyber Monday. Tune in to hear Nicole share six things to keep in mind this year.

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Want to kick your productivity up a notch? Have you tried… putting your phone down? We know, we know, that’s not what you want to hear. But don’t worry, you don’t have to do this cold-turkey. Today, Nicole shares her seven-day schedule for a digital detox.

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Today Nicole sits down with Robert Rooks, CEO of REFORM Alliance, an organization that aims to transform probation and parole by changing laws, systems and culture to create real pathways to work and wellbeing. Nicole and Robert talk about the current problems with the justice system, and how the financial repercussions of these problems affect us all. 

To learn more about REFORM, click here: https://reformalliance.com/actions/

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The term “SPAC” has been thrown around in the headlines a lot lately; and even more recently, it’s been tied to big names like Donald Trump and Bill Gates. But WTF are SPACs? Here’s a teaser: SPACs may be a good fit for your investment portfolio! Nicole unpacks the concept with Ahmed Fattouh, Founder & Chief Executive Officer of InterPrivate. 

To learn more about Ahmed’s work, follow this link: https://www.ipvspac.com/

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It’s almost winter and you know what that means: it’s time to daydream about picking up and moving to some beachy country where it’s sunny 24/7. What you’re probably not daydreaming about are the financial implications of moving abroad. Today, Nicole covers these implications with David Kuenzi, Director of International Wealth Management at Thun Financial. 

You can read more about Thun Financial here: https://thunfinancial.com/

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Cryptocurrency is an incredibly volatile investment. There was a day this year when Bitcoin’s value dropped 30% in one day. But… why? And does that mean we shouldn’t invest in it? Today Nicole breaks it down.

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You may have heard that “a penny saved is a penny earned,” while other people may have told you that the best way to earn your pennies (and then some!) is in the stock market. But what’s the best move? Today, Nicole helps you decide.

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Getting a life-altering medical diagnosis is tough enough without the additional financial toll. Today, Nicole talks to Shelly Rosenfeld, Co-Director of the Cancer Legal Resource Center about the financial resources available to people dealing with hospital bills.

To learn more, or get aid from, the Cancer Legal Resource Center, click here: https://thedrlc.org/cancer/

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Has your credit score ever dipped seemingly out-of-the-blue? That happened to today’s listener, Caree. Now she wants to know: WTF? Nicole calls up Caree to talk it through, and to unpack which credit score updates are worth paying attention to.

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Did Nicole’s story about, achem, “Hary Mall” yesterday convince you that you need to protect your intellectual property? Good. Listen to today’s episode to figure out how.

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You’ll have to do a whole lot of hard things when you’re starting your own business… we’re talking tax forms and paperwork galore. While coming up with your business’ name is more fun than doing all the tax stuff, it’s somehow just as hard? Today Nicole gives suggestions on how to brainstorm your brand name, and tells the story of an online bully who tried to sue her over a domain name. Yeah, you’re gonna want to buckle in for this one.

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No five-year-old wants to sit in front of the computer learning how to do online banking or watching their parents write a check. But because we don’t learn about money in school (even though we should!), kids learn money habits from their parents. Here’s how to teach them well.

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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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If you already work for a brand, you may think that you don’t need a personal brand. You think: “That’s just for entrepreneurs, right?” Wrong! Today, Nicole shares how a personal brand is beneficial to anyone trying to get ahead at work.

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Nicole got an email from a listener who is setting up an invoice for the very first time. This episode is all about what you need to outline on your invoice, so you get paid!

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Nicole has 150+ episodes worth of financial tips and tricks to help you get your financial sh*t together… but how do we keep track of it all? Today, Nicole helps you get organized using a surprising tool (spoiler alert: it involves commitment).

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For most of her childhood, Kate Somerville struggled with the tumultuous hand she was dealt. Then, in one moment, she received advice that turned her life around. Listen to hear that advice, and how it led to her starting her eponymous skincare brand.

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Whether it’s a job, a relationship, a partnership, or start-up— it’s always hard to call it quits. No founder wants to make the decision to close up shop, but the truth is, not every business works out. Of course, that fact doesn’t make that hard day any easier. But what might make this process a bit easier, is to understand in simple terms what you have to do in order to shut down your business. Today, Nicole lays it out.

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Money Rehabber Mary reached out to Nicole with some questions on how her son, Sean, should use his savings to buy a car. Then, Ida hit, Sean was evacuated, and had to use his entire emergency fund. Nicole invited Mary and Sean on the show to talk about what to do next.

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We obviously all want to find MTV-Cribs-worthy houses. But, how do we do that without breaking the bank? Nicole walks us through how to find your perfect home, at your perfect price.

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Nicole got a question (from a Money Rehabber you’ll recognize) about “market cap.” Him and his friends have been using market cap data to make decisions around their investments, but then they came to the realization… they don’t actually know what it means, or whether that should be a metric they use. Today, Nicole steps in to help!

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Nicole got a weird email, and that’s all we’re going to tell you here. You’ll have to listen to get the full story… and it’s a doozy.

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