Money Rehab with Nicole Lapin

Nicole learns - the hard way - about the hidden costs of pet ownership. Dog moms and Cat dads, this is the episode for you.

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We get the inside scoop from a microinfluencer - and the business mind behind him - on how they secure brand deals, get sponsorships, and make moola on TikTok.

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Meet the guy who wants you to travel for free: The “Points Guy”, Brian Kelly. Discover the perks of points and how to maximize the value of cash back cards, airline miles and more. Plus, Brain covers the shocking (and costly) mishaps your card just might reimburse you for!

Quick disclaimer: this episode is not for listeners who have a plastic problem because Brian Kelly *will* convince you to open up a new credit card. Have you been wondering how to get the most bang for your buck now that travel is reopening? Can you guess how many credit cards The Points Guy has? Listen to find out! 

Read more about Brian’s work here: https://thepointsguy.com/

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How to pay less for peas, quit tossing your carrots, and really, truly, make meals for one.

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Ever wonder how much being a contestant on The Bachelor is REALLY worth? In this financial confessions episode, Bachelor and Bachelor in Paradise Kendall Long (you know her as the one who does taxidermy in her spare time) shows us how multiple streams of income are the key to a lasting career - even for someone who never wanted to be an “influencer”. 

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A dream mentorship is hard to come by - especially when you’re cold emailing someone who’s successful and in-demand. But one brilliant listener not only caught Nicole’s eye after slipping into her DMs asking about mentorship… she also got a YES. If you’ve ever had the urge to contact your heroes and ask for a slice of their time, use listener Andrea’s tactics to get an enthusiastic response… and never, under ANY circumstances, use the phrase ‘pick your brain’. 

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Fashion mogul and denim maven Paige Adams-Gellar (yes, the creator of PAIGE jeans) discuss how she built her business by trusting her gut, literally working through trauma, and the power of asking for help.

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From apps to rentals to *ahem* body parts, find out some of the unlikeliest ways to score some cash.

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Crypto used to be confusing - but not anymore. In this episode, you’ll get the scoop on Dogecoin and why crypto is just like salt. Plus, Nicole answers the age-old question we’ve all had burning within us: “Dozh” or “Doggie”?

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A relationship with a financial advisor is exactly that - a relationship. Nicole unpacks why you shouldn’t jump into bed with just any advisor, what they can really do for you, and how to find “the one”.

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Nicole covers how much emergency fund you need based on your lifestyle and your job description, why one size doesn’t fit all, where to stash your cash.. and whether you need a doomsday bunker.

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Nicole catches up with Brit Morin, founder of Brit + Co and co-founder of Offline Ventures. They cover what it’s like to be romantic partners with your business partner, how to teach your kids how to save $$$ and which Silicon Valley strategies Brit uses at home.

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Nicole’s accountant says that the perks of running your own business are so good that EVERYONE should do it. Why? Listen to find out!

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Nicole is joined by bankruptcy lawyer Todd Turoci to take an inside look at bankruptcy from start to finish, how to get debt collectors off your back and whether filing for bankruptcy is ever a “good thing.”

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Let’s be real – when someone says “cap gains” we’re all just smiling and nodding. But not for long! Today, Nicole breaks down WTF are capital gains…. and how to make them your best friend.

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Miscarriage leave is the kind of leave no one ever wants to have to take. But nevertheless, it’s the kind of leave that must exist. In today’s episode, Nicole opens up for the first time about her own miscarriage and sits down with writer Ayana Lage for a deep dive into the financial costs of miscarriage that no one is talking about.

Sign Nicole’s miscarriage leave petition here: https://www.change.org/p/businesses-companies-need-to-have-miscarriage-leave

Read Ayana’s piece here: https://www.washingtonpost.com/lifestyle/2019/12/11/hidden-financial-toll-having-miscarriage/

Find more of Ayana’s work here: https://ayanalage.com/ 

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Star of DC comic's Arrow Katie Cassidy joins Nicole today to talk about making your own crypto, collecting and creating NFTs, and how a breakup over an art project can turn into a cash cow. Katie talks about the wise investments she’s made - and the times she missed out. You won’t want to miss this.

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They say never to talk about religion and politics with your family… and you might as well add money to that list!  But what if your dad is your accountant?  Nicole catches up with previous Money Rehabber, as they discuss setting boundaries and knowing when it’s time to break away from the “free” help of a family member - which always comes at a cost.

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Nicole breaks down what contributes to your credit score in the first place - and how to boost it quickly and easily.

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Nicole debunks the myths around investing in real estate… as well as showing you how you *might* be able to make a not-so-quick buck.

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Listener Angelica has some debts to pay off and wonders what’s more important: paying those debts down, or securing her future retirement?

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CSI:NY and The Good Doctor star Hill Harper joins Nicole to talk about Black Wall Street, cryptocurrency, and the falling value of the American dollar.

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Brave the awkwardness and get your money back - Nicole shows you firsthand how to ask a friend to return a loan (and keep the friendship intact). 

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From rent hacks to finding a steal in a kicka$$ building, Nicole gives you 5 tips to find the perfect place at the best price. 

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Nicole talks to a GameStop investor (who made a cool million or two) about why he got in early, how he mitigated risk, and why he’d never, EVER do it again.

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Find out why index funds are go-to investments… and how Nicole used one to stick it to her childhood bullies. 

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Nicole is joined by Drybar founder Alli Webb and executive coach Adrian Koehler; two Change Makers who also happen to be a power couple. Nicole talks to Alli and Adrian about how to have money talks as a couple. Plus, they contemplate the eternal question: to prenup or not to prenup?

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Nicole gets sassy in today’s episode about one of her biggest financial pet peeves: leasing cars.

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Did you know that there are BILLIONS of dollars in unclaimed money in the US? Want to find yours? In today’s episode, Nicole shows you how!

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Nicole sits down with a listener; a newlywed, who is filing jointly for the first time and wants to know… How? When? Why? Nicole answers all of these questions and gives a little wedding gift: tax perks!

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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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Nicole is joined by television mogul and former President of Entertainment for Telemundo, Nely Galan. They cover her incredible career, what it takes to be a self-made woman, and her experience with Donald Trump on the Celebrity Apprentice.

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Nicole is joined by former tax auditor Silvia Aguirre to talk about how to avoid getting audited, the truth around common auditing myths, and why your auditor might not be so bad after all.

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Buy a house, they said...  It’s a great investment, they said… Nicole tackles the hard questions around whether you should actually buy a house, and some of the reasons you may want to put it off for a while.

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Nicole heads to the streets to discuss NFTs, Blockchain, and why everyone’s talking about digital art collecting.

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Nicole covers exactly how much should go toward your essential spending, what the heck you have to put toward retirement, and how much you get to spend on the fun stuff: vacations and bottomless-mimosa brunches.

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Nicole sits down with designer and fashion mogul Rebecca Minkoff for a frank talk about credit card debt, what it takes to build a profitable business, and making sure you put a floozy clause in your will. 

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Nicole gives a listener advice on what to do about taxes if you filed for unemployment last year, and debunks Dave Ramsey’s statements that people collecting the stimulus check are "screwed." Nicole says: You are not screwed.

From This Episode:

Report your unemployment benefits on your Federal Tax Return, which will say “Form 1040”.

You’ll need Form 1099-G, which you should have received from your state. You can see how much you received in unemployment benefits in Box 1.

You’ll need to report this amount on your tax return on line 7, Schedule 1. 

You also have to report any taxes that were withheld from your unemployment benefits… to find that number, look at that trusty Form 1099-G again… the amount of taxes that were withheld from your unemployment benefits is in box 4. You report that amount on line 25b of your tax return.

If you have an income of $72,000 or less, you can file for free using the IRS Free File program.

If you’re a veteran, check out MilTax for free filing options.

Find out more about VITA here. VITA is an organization that offers free tax coaching to folks in low-mid income brackets, as well as persons with disabilities, the elderly and individuals with limited English proficiency who need assistance in preparing their taxes. 

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In Money Rehab's first Listener Intervention, Nicole answers questions about how much to put into long term savings, guilt over receiving an inheritance, and when to spend on home renovations.   

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Just because 2020 was a dumpster fire doesn’t mean your taxes have to be. Nicole explains why you may qualify for free income tax help, what to do if you didn’t receive your stimulus checks, and how to figure out if you can write off medical expenses from 2020.

From This Episode:

If you’re filing your own taxes, look on Line 30 for a place to fill in the Recovery Rebate Credit if you didn't get your stimulus check. 

Find out more about the Earned Income Tax Credit here.

Find out more about VITA here. VITA is an organization that offers free tax coaching to folks in low-mid income brackets, as well as persons with disabilities, the elderly and individuals with limited English proficiency who need assistance in preparing their taxes. 

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Nicole shows you how negotiating your monthly bills can be addicting, gets invited by Dr. Oz to help a guest lower her APR, and shows you why not negotiating means you’re leaving money on the table.

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Do you want to know how to kill it in the stock market? How about how to get that debt monkey off your back? Or, how to find unclaimed money you may not even know about? Nicole Lapin--the only financial expert you don’t need a dictionary to understand, New York Times bestselling author of Rich Bitch, and host of Money Rehab--is here to rehab your wallet, so you can get your financial life together once and for all.

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