So Money with Farnoosh Torabi

How strong and healthy are your relationships? Have you ever considered your relationships as valuable assets—ones that can lead you to a richer, more prosperous life? Today, we're fortunate to be joined by Selena Soo, an acclaimed publicity and marketing expert, and the author of the captivating new book, Rich Relationships. Selena has built an extraordinary career teaching entrepreneurs and leaders the art and science of cultivating authentic relationships that not only stand the test of time but thrive and grow exponentially. In our conversation, Selena reveals how genuine, meaningful relationships are your most powerful tools for success, going far beyond casual networking. She shares groundbreaking insights into how generosity and authenticity form the foundation of connections that can profoundly enrich your personal and professional life. Key takeaways you'll gain from our discussion include: The crucial mindset shift from merely collecting contacts to building meaningful relationships.Practical strategies for nurturing relationships aligned with your values and goals.Selena’s expert advice on initiating impactful conversations with influential mentors and peers.Powerful ways to turn your fear of rejection into an empowering aspect of relationship-building. Get the first 4 chapters of Selena's book plus more freebies here: RichRelationshipsBook.com/Farnoosh

Transcribed - Published: 23 April 2025

This episode aired initially been on Feb 3, 2025. Today, we're diving into the world of travel and points with none other than Brian Kelly, a long-time friend of the show and the founder of The Points Guy. Brian is here to talk about his new book, How to Win at Travel, a guide that helps you unlock all the secrets to mastering the points game, maximizing travel perks, and scoring luxury experiences without luxury price tags. We'll cover: Why Brian calls this era the "platinum age of travel" and how to take full advantage of it.The biggest mistakes travelers make with airline and hotel bookings—and how to avoid them.How to leverage rewards credit cards strategically to score free business-class trips to Europe.The top tech tools to help you find the best award flights and travel deals with minimal effort.Insider tips on travel insurance, packing, and even why you should throw an Apple AirTag into your luggage! Check out Farnoosh's new hyperlocal podcast The Montclair PodJoin the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 21 April 2025

This episode is a replay from October 11, 2024.Download Farnoosh's Free Investing Blueprint to learn how to begin investing for your future.Today's show: Is there such a thing as investing "too" much? Can obtaining a home equity loan be helpful when purchasing a second home? How to find a great accountant, and more.

Transcribed - Published: 18 April 2025

Today, we’re diving into an extraordinary story of defiance and determination—how a group of bold women in Denver turned financial discrimination into a catalyst for change by founding the first women-owned bank in the country. Our guest is Grace L. Williams, a trailblazing financial journalist whose work has appeared in Forbes, The Wall Street Journal, and Harvard Business Review. She brings her signature clarity and depth to her new book, Give Her Credit: The Untold Account of a Women's Bank That Empowered a Generation. The book tells the riveting story of the Women’s Bank of Denver, founded in 1978 by pioneers like Carol Green and B. LaRae Orullian. In an era when women couldn’t even get a loan without a male co-signer, this bank became a radical act of financial empowerment—and a powerful symbol of what women can build when they back each other.

Transcribed - Published: 16 April 2025

Are you on the fence about having children? I'm talking to my women listeners out there. If this is you, you're not alone. In today's world, you know better than anyone that women face enormous pressure and endless questions around motherhood. Is this something I really want? Can I afford it? How will this impact my identity, my career, and my happiness? Our guest knows this internal struggle very well. Ruthie Ackerman is an accomplished writer and journalist whose new memoir, The Mother Code: My Story of Love, Loss, and The Myths That Shape Us, dives deeply into these very questions. Ruthie bravely explores the emotional, societal, and financial realities of deciding whether or not to become a parent. In our candid conversation, she shares her deeply personal journey, questioning motherhood amidst family history, societal expectations, genetic fears, and profound personal and financial costs. She opens up about fertility treatments, egg freezing, IVF, and the financial strategies and sacrifices that made motherhood possible for her. We also discuss how redefining motherhood can be a radical act of self-love and empowerment, and how financial independence can profoundly influence our personal choices, including our decisions to become parents

Transcribed - Published: 14 April 2025

Joining me today for a very special Ask Farnoosh episode is Maggie Johndrow, a seasoned wealth advisor and partner with Johndrow Wealth Management. Maggie brings her signature calm, clear-headed guidance to our turbulent financial times — and let's be honest, we could all use a little Maggie in our wallets right now. In this episode, we tackle some of the most pressing money questions on your mind as headlines swirl with talk of tariffs, market volatility, and a possible recession. Maggie walks us through: The behavioral traps investors are falling into right now (hello, regret aversion and herd mentality) — and how to avoid them.Her smart and simple "three-bucket strategy" for managing your investments during uncertain times, especially if you're nearing retirement or need access to cash soon.How tariffs might hit our wallets — from rising consumer prices to the potential ripple effects on jobs, inflation, and the Fed's next move.What to prioritize financially if you're worried about a layoff or loss of income, including how to protect your emergency fund, health insurance, and long-term goals like retirement and college savings.And perhaps most reassuring of all — why making small, consistent investing moves still matters more than trying to time the market perfectly.

Transcribed - Published: 11 April 2025

A new survey sponsored by Hult International Business School finds that a growing number of employers say they’d prefer to automate entry-level jobs rather than hire a recent college graduate. AI is changing the job market faster than any of us imagined—reshaping not just who gets hired, but whether certain jobs even exist in the future. My guest today is Dan Schawbel, a New York Times bestselling author, workplace expert, and managing partner at Workplace Intelligence. Dan has been tracking workplace trends for over a decade, advising companies on the future of work, and in his latest research, the results are terrifying. Not only are companies rethinking the value of a college degree, but some are outright saying they'd rather hire ChatGPT. So what does this mean for workers? Which jobs are actually safe from automation? And if you’re in college right now—or raising kids who might be one day—how do you ensure your education actually pays off? Check out Farnoosh's new hyperlocal podcast The Montclair PodJoin the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram. This episode is a replay.

Transcribed - Published: 9 April 2025

Right now, the world feels like it’s moving a mile a minute. News cycles are relentless, the pressure to keep up—professionally, personally, financially—is overwhelming. And beneath all that hustle, so many of us are quietly struggling. We feel disconnected, depleted… yet on the surface, everything looks “fine.”That’s why today’s guest and conversation feel especially urgent. Dr. Judith Joseph is a renowned psychiatrist, researcher, and media personality. Her new book, High Functioning: Overcome Your Hidden Depression and Reclaim Your Joy, is putting a name to what so many high-achieving, outwardly successful people are feeling on the inside. She introduces us to the concept of high-functioning depression—where you're still performing, still showing up, but joy and meaning are missing. And in this episode, Judith helps us understand the roots of this experience—trauma, relentless self-sacrifice, even our relationship with money—and how we can begin to heal using her powerful, evidence-based framework: the Five V’s. What I especially love is her invitation to slow down—to pause, reflect, and reconnect with who we are beyond our productivity. In a time when everything feels uncertain and fast-moving, her message is a reminder that stillness is not weakness—it’s where clarity and joy can return.

Transcribed - Published: 7 April 2025

In this week’s Ask Farnoosh, we’re diving into the ripple effects of the latest tariff threats and what they could mean for your wallet — from rising prices on everyday goods to the broader risk of a recession. Farnoosh explains what’s happening, why it matters, and how to protect your finances now. Plus, answers to your questions, including: Is it wise to switch jobs right now, given the shaky labor market?How can I invest in supporting both myself and my aging parents in the long term?And how do I go about divesting a sibling from a co-owned property? Sign up for Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members Club

Transcribed - Published: 4 April 2025

How do you navigate a tricky boss, advocate for a raise, or stay sane when your manager is MIA?On today’s So Money, author and executive coach Melody Wilding returns to share wisdom from her new book, Managing Up: How to Get What You Need from the People in Charge. We explore how to maintain internal boundaries, read between the lines in power dynamics, and own your value—even when leadership is falling short.Melody unpacks what it really means to manage up—not to flatter your boss, but to create the conditions for your success. She walks us through powerful frameworks, communication tips, and yes, how to advocate for more money without burning bridges. Sign up for Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members Club

Transcribed - Published: 2 April 2025

This episode is brought to us by Mastercard. The financial world is changing fast, and as we enter the 10th year of So Money, one of my goals is to keep us updated on the latest innovations and technology shaping our money world…to help you understand what’s coming, why it matters, and how you can leverage these changes to improve your financial life.Let me start with a quick thought: what if we had the power to unlock opportunities by using our own data — to switch direct deposits in minutes, get faster loans, or use your rent history to build credit? This is where one of the newest innovations in the finance world enters the picture. It’s called open banking and it’s transforming the financial ecosystem.Joining me today is someone who is at the forefront of opening banking: Jess Turner, EVP and Global Head of Open Banking and API at Mastercard. Listen as Jess breaks down what open banking is, why it’s the thread tying together this new financial world, and how it’s transforming the way we borrow, save, and spend. To learn more about Open Banking, visit this comprehensive guide.

Transcribed - Published: 31 March 2025

In this week’s Ask Farnoosh episode, Farnoosh unpacks your top financial questions with the looming threat of a recession on everyone’s mind. Should you prioritize paying off debt or building up savings? Is it ever wise to cash out a Roth IRA? What’s the deal with doctor-specific mortgage programs? And how can you move money between brokerage accounts without triggering taxes? Farnoosh also breaks down the latest CNBC CFO Council survey, which reveals growing pessimism and recession forecasts.

Transcribed - Published: 28 March 2025

What if the secret to extraordinary wealth isn’t about betting on the next big thing, but buying something tried-and-true—like a plumbing business, a car wash, or a cleaning company? What if the future of entrepreneurship isn’t on Wall Street or in Silicon Valley, but on Main Street—if only we knew how to seize it? My guest today is Codie Sanchez, founder and CEO of Contrarian Thinking, a digital education platform and media company with over 6 million followers In her new book, Main Street Millionaire: How to Make Extraordinary Wealth Buying Ordinary Businesses, Codie lays out her bold argument: that buying profitable, established, cash-flowing businesses is the most underrated path to building wealth—and that now is the time to act. Why? Because America is facing a generational handoff. Over 40 million Americans are hitting retirement age, and baby boomers—who currently own nearly two-thirds of small businesses with employees—are poised to sell. Codie calls it a “silver tsunami,” and for those who know how to navigate it, it could mean once-in-a-generation opportunity. In our conversation, Codie opens up about her own unlikely journey from journalism to Wall Street to Main Street. We talk about how she made the leap, the psychological hurdles to entrepreneurship, and how she thinks about power, relationships, and the future of work in an AI-driven world.

Transcribed - Published: 26 March 2025

Today, I’m sharing something a little different in the feed. As some of you may know, I recently launched a new podcast called Leading By Example in partnership with iHeartMedia and Ruby Studios. Over there, I’ve been diving into powerful conversations with changemakers who are redefining leadership in their own unique ways—and today, I wanted to bring one of those episodes to the So Money audience. In this episode, I sit down with Kathleen Griffith, a serial entrepreneur who walked away from an unfulfilling corporate career and went on to build Build Like a Woman—a movement and business that’s helping women create the lives and careers they truly want. Through her company Grayce & Co, Kathleen has overseen more than $500 million in marketing strategy for major brands like NIKE Women and Verizon. Kathleen opens up about the bold decisions she made to pivot her life, what she’s learned along the way, and how she’s empowering other women to build—with intention, courage, and heart. Sign up for Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members Club

Transcribed - Published: 24 March 2025

This week on Ask Farnoosh, I’m sharing highlights from a financial literacy workshop I hosted at the Bloomfield Library, where I met incredible women navigating major financial crossroads—some filled with uncertainty, others with courage and clarity. In this episode, I answer:What to do when your parents disapprove of your marriage because you earn more than your partner and have taken on a traditionally “masculine” role.How to stay financially informed and empowered even if your spouse handles most of the household finances.Whether a newly single mom who recently lost her partner should sell her home and move to a more affordable area—and how to approach that big decision with confidence. Plus: A quick breakdown of the Fed’s latest interest rate decision—what Chair Jerome Powell said, why rates are holding steady, and what it means for your mortgage, savings, and debt.

Transcribed - Published: 21 March 2025

J. Dana Trent joins to share stories from her childhood as the daughter of a drug dealer, taught to cut up weed as a pre-schooler to support the family business. Her memoir, Between Two Trailers, chronicles the trauma from her troubled past and Dana’s ultimate reconciliation with her past life and parents.More about J. Dana Trent: She is an accomplished professor and award-winning spirituality writer with a master’s degree from Duke. Join the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 19 March 2025

We’re diving deep into one of the most pressing financial issues of our time—student loans. If you or someone you love has ever felt the weight of student debt, wondered why the system feels so broken, or questioned what real solutions might look like, this episode is for you. Joining us is Jillian Berman, a veteran financial journalist who has spent more than a decade reporting on the student loan crisis. She’s the author of the new book Sunk Cost: Who’s to Blame for the Nation’s Broken Student Loan System and How to Fix It, which unpacks the history, politics, and policies that have turned student debt into a trillion-dollar burden. In our conversation, Jillian and I will explore how we got here, who’s profiting from this mess, and what needs to change to make higher education more affordable and student loans less of a financial trap. We’ll also talk about recent developments—like legal challenges to loan forgiveness, changes to repayment plans, and what new threats borrowers should have on their radar. Join the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 17 March 2025

News of tariff hikes rattled the stock market this week. How to maneuver through the financial uncertainty? To help us navigate this emotional terrain, we are reairing an interview with financial therapist Aja Evans. Aja's new book, Feel Good Finance, is the guide we all need right now, offering practical strategies for untangling our money emotions and building a healthier relationship with our finances. In today’s episode, Aja will help us: Understand how our early experiences shape our financial habits and anxieties.Learn how to address money conflicts in relationships with grace and communication.Avoid rash financial decisions in moments of heightened emotion or uncertainty.Set boundaries around social pressures and financial FOMO—whether from friends or social media.Create practical, personalized systems for organizing and managing money that actually work for you. Sign up for Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members ClubLeave a review on Apple PodcastsOrder Farnoosh’s new book, A Healthy State of Panic

Transcribed - Published: 14 March 2025

Menopause used to be a whispered word, something women were expected to endure quietly. But that’s changing—and fast. Women are reclaiming this stage of life, demanding better care, and rewriting the narrative. And leading the charge is my guest today, Emmy-winning journalist and menopause advocate, Tamsen Fadal. With a career spanning over three decades in television news, Tamsen has transitioned her focus towards empowering women navigating midlife changes.Her latest endeavor, the book How to Menopause: Take Charge of Your Health, Reclaim Your Life, and Feel Even Better Than Before, serves as a comprehensive guide to help women manage the multifaceted aspects of menopause. Receive Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members ClubLeave a review on Apple PodcastsOrder Farnoosh’s new book, A Healthy State of Panic

Transcribed - Published: 12 March 2025

What if the dream you’ve been chasing—the one you’re sure will bring you happiness—turns out to be a myth? Today’s guest, Sam Vander Wielen, knows this feeling firsthand. She was a successful corporate lawyer who believed that starting her own business would finally make her happy. But when she left law to become an entrepreneur, she realized that fulfillment doesn’t come from business success alone—it’s something you have to cultivate for yourself. Sam is now a leading legal educator for online entrepreneurs, helping business owners legally protect their work and scale sustainably. She’s the founder of Sam Vander Wielen LLC, where she’s helped over 350,000 entrepreneurs with DIY legal templates and business education, and she’s the host of the podcast On Your Terms®. Her new book, When I Start My Business, I’ll Be Happy?, takes readers inside her journey and reveals what it really takes to build a fulfilling, profitable business—without burning out or falling into the trap of tying your self-worth to your work. Today, Sam and I talk about the biggest mindset mistakes new entrepreneurs make, why your business shouldn’t be your identity, and the practical legal steps every online business owner needs to take to stay protected. Plus, she shares insights on pricing strategies, marketing in the age of AI, and what actually works when scaling a business. Receive Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members ClubLeave a review on Apple PodcastsOrder Farnoosh’s new book, A Healthy State of Panic

Transcribed - Published: 10 March 2025

Farnoosh Torabi welcomes back Georgia Lee Hussey, founder of Modernist Financial, to discuss a range of financial topics amid current political and economic uncertainties. They examine President Trump's tariff proposals and the theory that they might be engineered to induce a recession for lower interest rates. The conversation extends to the importance of vigilance in financial contracts and professional services amid deregulation efforts. Georgia advises on maintaining financial stability by using credit unions and thoughtful money management. Listener questions cover housing arrangements with partners, Health Savings Accounts (HSAs), and the significance of ancestral wisdom in financial decision-making. The episode emphasizes strategic financial planning, resourcefulness, and the potential benefits of credit unions and diversified investments. Resources:Free Tools for the PeopleReceive Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members ClubLeave a review on Apple PodcastsOrder Farnoosh’s new book, A Healthy State of Panic

Transcribed - Published: 7 March 2025

This episode is brought to you by Chase. Social media scams are on the rise and it’s important we know how to spot the tell-tale signs and how to protect our information and money from scams. Visit Chase.com/DontGetReeledIn to learn more. We're turning our attention to the rise of social media scams and how we can protect ourselves from phishing and impersonation scams to fake ads, quizzes, and job posts. The numbers are staggering. Scammers are targeting everything from fake event tickets and rental properties to counterfeit products. These scams are becoming harder to detect. For more on this, I've invited Darius Kingsley on the show. Darius is head of consumer banking practices at Chase based in New York. Darius leads efforts to protect Chase's customers from fraud and scams. He's also responsible for supporting Chase's elder customers and leading sustainability initiatives. In our conversation, we're going to get into how scammers use all sorts of social media platforms to target unsuspecting victims, how artificial intelligence and technology have changed their tactics and how we can protect ourselves. We'll also talk about the safest payment methods to use when shopping online and what steps to take if you fall victim to a scam.

Transcribed - Published: 5 March 2025

Imagine this: You’re nine months pregnant, shopping for a crib at IKEA, when suddenly—a massive earthquake hits. No phone. No keys. No way to reach your family. Just the immediate reality of survival. That’s the premise of Tilt, a gripping new novel that forces us to ask: How does financial precarity shape our survival? What happens when class determines who makes it out—and who doesn’t? Today, I’m talking to award-winning journalist and climate crisis storyteller Emma Pattee, whose novel Tilt is as much about disaster as it is about money, resilience, and the choices we make when everything changes in an instant. We’re unpacking the financial fears that show up in moments of crisis, why money is a survival tool, and the hidden ways class shapes disaster response. Plus, Emma shares her own experiences with money and motherhood—things she wishes she had known before having kids.

Transcribed - Published: 3 March 2025

Farnoosh answers financial questions from viewers, covering topics such as the pros and cons of the National Debt Relief Program, the impact of selling individual stocks for index funds, and strategies for recent graduates entering the job market. The discussion also includes advice on saving strategies, including automated contributions and side hustles. Additional questions addressed include navigating a severance package post-layoff, COBRA insurance options, and the best methods for investing money either incrementally or as a lump sum. Lastly, the importance of broadening job searches and making the most of living with family to save on housing costs is emphasized. Sign up for Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members ClubLeave a review on Apple PodcastsOrder Farnoosh’s new book, A Healthy State of Panic

Transcribed - Published: 28 February 2025

Most couples struggle to get on the same page regarding money and relationships. Less than 40% of married couples discuss their finances in detail—a staggering statistic that often leads to miscommunication, conflict, and, for some, divorce. But today’s guests, Jessica and Brandon Norwood, are trying to change that narrative. Jessica and Brandon are the dynamic duo behind The Sugar Daddy Podcast, a show dedicated to helping millennials break the stigma around money conversations and build wealth as a team. As a married couple who have navigated everything from student loans to merging their financial lives, they bring a wealth of personal and professional insight. Jessica, a tech professional and the breadwinner in their family, and Brandon, a licensed financial planner, have developed a proven 5-step framework for creating financial harmony in relationships. In this episode, we dive into: The importance of shared values and financial alignment—why dreaming big as a couple is key.Tackling financial dealbreakers—and why financial infidelity might be a red flag you can’t ignore.What it’s like being a female breadwinner—and how Jessica and Brandon embrace modern parenthood and partnership.And a bold take on affording kids—why waiting for financial “readiness” might mean you’ll never leap. Check out this download to better understand the couple's D.R.E.A.M Framework for navigating money in your relationship.

Transcribed - Published: 26 February 2025

Known for his no-nonsense approach to money and his former role as a Ramsey Solutions personality, guest Anthony O'Neal has helped millions take control of their finances. He has written several books, including his latest, Take Your Seat at the Table, where he empowers readers to create a vision for their lives and build wealth on their terms. In this episode, Anthony shares his remarkable journey from being a 19-year-old drowning in $35,000 of debt to becoming debt-free and building a seven-figure business. He opens up about his time working with Dave Ramsey, how it influenced his financial philosophy, and why he eventually decided to strike out on his own to bring financial education to underserved communities. You’ll learn: The money mistakes Anthony made at 19 and how he turned his life around.The importance of avoiding consumer debt and focusing on building assets.How faith and purpose are pivotal in Anthony’s financial teachings.Why creating a clear vision for your life is the first step to achieving financial freedom.Practical steps for eliminating debt, building generational wealth, and owning your financial life. Sign up for Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members ClubLeave a review on Apple PodcastsOrder Farnoosh’s new book, A Healthy State of Panic This episode originally aired on January 8, 2025.

Transcribed - Published: 24 February 2025

Known for his no-nonsense approach to money and his former role as a Ramsey Solutions personality, guest Anthony O'Neal has helped millions take control of their finances. He has written several books, including his latest, Take Your Seat at the Table, where he empowers readers to create a vision for their lives and build wealth on their terms. In this episode, Anthony shares his remarkable journey from being a 19-year-old drowning in $35,000 of debt to becoming debt-free and building a seven-figure business. He opens up about his time working with Dave Ramsey, how it influenced his financial philosophy, and why he eventually decided to strike out on his own to bring financial education to underserved communities. You’ll learn: The money mistakes Anthony made at 19 and how he turned his life around.The importance of avoiding consumer debt and focusing on building assets.How faith and purpose are pivotal in Anthony’s financial teachings.Why creating a clear vision for your life is the first step to achieving financial freedom.Practical steps for eliminating debt, building generational wealth, and owning your financial life. Sign up for Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members ClubLeave a review on Apple PodcastsOrder Farnoosh’s new book, A Healthy State of Panic This episode originally aired on January 8, 2025.

Transcribed - Published: 24 February 2025

In this week's Ask Farnoosh episode, we tackle three major financial dilemmas from listeners: Setting Boundaries as a Daughter of Immigrants, Avoiding Financial Dependence on a Partner and Knowing When to Walk Away from a Business. Plus, a behind-the-scenes update on The Montclair Pod, and reflections on launching a new show 10 years after So Money. Resources & Links:Listen to The Montclair PodJoin Book to Brand workshop in NYC (March 7)Join the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 21 February 2025

Today we’re catching up with the incredible Jannese Torres, host of Yo Quiero Dinero podcast and trust me—she’s had a year. Since her last visit, she’s launched her book Financially Lit, traveled the country on a book tour while secretly pregnant, became a mom, got engaged, and even bought a house. But that’s just the beginning. In this conversation, we dive into how financial independence has reshaped her life as a new parent, her approach to building wealth while growing a family, and—something we don’t talk about nearly enough—how she and her fiancé have structured their finances now that he’s a stay-at-home parent on her payroll. From prenups to parenthood, from self-employment hacks to the real cost of giving birth (wait until you hear her hospital bill), Jannese gets real about the financial and emotional shifts that come with these big life changes. Register for Farnoosh's next Book to Brand workshop.Check out Farnoosh's new hyperlocal podcast The Montclair PodJoin the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 19 February 2025

Guest Brittany Wilson started listening to So Money in 2020 when she realized she needed to take charge of her finances. She grew up with little financial literacy and took on high-interest student loans without knowing what she was signing up for. But once she made the decision to educate herself, everything changed. Since then, Brittany has increased her salary by $42,000, fully funded her emergency savings, diversified her investments, started a side business, and—perhaps most importantly—helped her mom open her very first Roth IRA. Last year, she took one of the biggest leaps of her life: quitting her job to run her career coaching business, Career Candor, full-time. In today’s conversation, we discuss Brittany’s financial transformation, how she navigated job loss and used it as a catalyst for entrepreneurship, and her top career coaching advice—including how AI is changing the hiring process. We also talk about the emotional side of money, the power of financial friendships, and why helping others—especially the women in our lives—can be one of the most rewarding financial moves we make. Register for Farnoosh's next Book to Brand workshop.Check out Farnoosh's new hyperlocal podcast The Montclair PodJoin the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 17 February 2025

Farnoosh reflects on turning 45—what’s changing in her mindset around money, career, and personal growth, and the biggest financial lessons she's carrying into this next phase of life. From the mailbag, Farnoosh tackles two important listener questions—one from a 60-year-old attorney wondering how to catch up on retirement savings after prioritizing family caregiving, and another from a listener strategizing their Backdoor Roth IRA while juggling old 401(k accounts. Register for Farnoosh's next Book to Brand workshop.Check out Farnoosh's new hyperlocal podcast The Montclair PodJoin the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 14 February 2025

Today, we’re diving deep into the real barriers that prevent many of us from achieving financial freedom—and spoiler alert, it’s not just about the dollars and cents. My guest is Jessica Moorhouse, financial counselor, speaker, and now author of the highly-anticipated new book, Everything But Money: The Hidden Barriers Between You and Financial Freedom. In her work, Jessica uncovers how trauma, shame, and our earliest experiences with money shape the way we earn, save, and spend today.Whether it's that nagging sense of guilt when you earn more than your parents or the fear of spending because of a scarcity mindset, these hidden barriers can quietly hold us back for years. Jessica helps us understand where these money blocks come from, how they manifest in our adult lives, and—most importantly—how to start healing from them.

Transcribed - Published: 12 February 2025

What does it really take to launch a big idea—one that can change your career, business, or even the world? Is being a visionary enough, or is there a hidden formula for success? Guest Jen Kem says it's all about building the right "unicorn team." But here’s the twist: even if you’re a solopreneur or running a small business—like me—this book is still for you. Jen’s framework isn’t about having a massive team; it’s about understanding the roles and energies you bring to your work and how to fill in the gaps to achieve success faster and with less burnout. Jen is a brand strategist, entrepreneur, and author of Unicorn Team: The Nine Leadership Types You Need to Launch Your Big Ideas with Speed and Success. With a career working on iconic initiatives for companies like Microsoft, Coca-Cola, and Oracle, she’s now revealing how big ideas succeed—not just through visionaries, but through the right mix of leaders who execute and get results. We'll learn how to identify your own leadership type, how even a solo effort can become a "team" by leveraging the right resources, and hear the inspiring story of how a small team at Moderna outpaced industry giants to lead the charge on a life-saving vaccine. Register for Farnoosh's next Book to Brand workshop.Check out Farnoosh's new hyperlocal podcast The Montclair PodJoin the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 10 February 2025

This week on Ask Farnoosh, a listener is grappling with over $100,000 in student loan debt. What is the best way to pay this off fast?We also hear from a longtime listener and how she managed to triple her income, pay down debt and save over $400,000 for retirement while listening to So Money. Check out Farnoosh's new hyperlocal podcast The Montclair PodJoin the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 7 February 2025

If you're dreaming of your next adventure but worried about the price tag, you've come to the right place! All this week on the podcast, we're diving deep into travel tips, tricks, and money-saving strategies. Earlier, we heard from Brian Kelly, founder of The Points Guy, on how to maximize travel rewards and cut costs on flights and hotels.Today, we're keeping the momentum going with another expert traveler, Matthew Kepnes, aka Nomadic Matt. His New York Times bestselling book, How to Travel the World on $75 a Day, is now in its fourth edition. We talk about everything from affordable travel destinations and hidden local gems to travel logistics, like minimizing ATM and credit card fees abroad. Check out Farnoosh's new hyperlocal podcast The Montclair PodJoin the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 5 February 2025

Today, we're diving into the world of travel and points with none other than Brian Kelly, a long-time friend of the show and the founder of The Points Guy. Brian is here to talk about his new book, How to Win at Travel, a guide that helps you unlock all the secrets to mastering the points game, maximizing travel perks, and scoring luxury experiences without luxury price tags. We'll cover: Why Brian calls this era the "platinum age of travel" and how to take full advantage of it.The biggest mistakes travelers make with airline and hotel bookings—and how to avoid them.How to leverage rewards credit cards strategically to score free business-class trips to Europe.The top tech tools to help you find the best award flights and travel deals with minimal effort.Insider tips on travel insurance, packing, and even why you should throw an Apple AirTag into your luggage! Check out Farnoosh's new hyperlocal podcast The Montclair PodJoin the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 3 February 2025

In this Ask Farnoosh episode, Farnoosh tackles your most pressing money questions, including strategies for managing investments in midlife. Also: How to decide what to do with an inherited investment—evaluate options, minimize taxes, and make the most of the windfall. Plus, we explore other listener questions on building financial security for the long haul. In the show:Best 0% APR credit cardsFarnoosh's Bloomberg News segmentReal estate crowdfundingCheck out Farnoosh's new hyperlocal podcast The Montclair PodJoin the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 31 January 2025

A new survey sponsored by Hult International Business School  finds that a growing number of employers say they’d prefer to automate entry-level jobs rather than hire a recent college graduate. AI is changing the job market faster than any of us imagined—reshaping not just who gets hired, but whether certain jobs even exist in the future. My guest today is Dan Schawbel, a New York Times bestselling author, workplace expert, and managing partner at Workplace Intelligence. Dan has been tracking workplace trends for over a decade, advising companies on the future of work, and in his latest research, the results are terrifying. Not only are companies rethinking the value of a college degree, but some are outright saying they'd rather hire ChatGPT. So what does this mean for workers? Which jobs are actually safe from automation? And if you’re in college right now—or raising kids who might be one day—how do you ensure your education actually pays off? Check out Farnoosh's new hyperlocal podcast The Montclair PodJoin the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 29 January 2025

Anne-Lyse Ngatta (aka Anne-Lyse Wealth), a personal finance writer, podcaster, and former CP, rejoins the podcast with a very important story to share—her journey of overcoming stage 3 triple-negative breast cancer. In this episode, we’ll dive into her experience of self-diagnosing her illness, advocating for herself within the healthcare system, and navigating the challenges of treatment. Anne-Lyse also shares her powerful advice on why securing life insurance is a critical part of protecting yourself and your family, especially when life takes unexpected turns. Beyond her battle with cancer, she opens up about how the experience reshaped her outlook on life—focusing more on living in the moment than planning for the future. Learn more about Anne-Lyse.Check our her article in Forbes about securing life insurance.Join the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 27 January 2025

Introducing Farnoosh's latest offering in the podcast universe: The Montclair Pod, a hyper local podcast centered on the news, culture and issues within Montclair, New Jersey. In this episode, Farnoosh and co-hosts explore the local implications of President Donald Trump’s second term. With Montclair overwhelmingly voting for Kamala Harris, we examine the town’s political identity and how it contrasts with broader trends, including New Jersey’s rightward shift in the 2024 election. The episode begins with voices from the community with a visit to Tierney’s Tavern on Inauguration Day. The hosts discuss the dynamics of political affiliation in a predominantly liberal town, including insights from Michael D. Byrne, Chairman of the Montclair Republican County Committee. Byrne sheds light on the challenges faced by local Republicans and the aspects of Trump’s leadership that resonate with his supporters. The show also explores the ripple effects of Trump's policy proposals from immigration enforcement to the possible dismantling of the Department of Education. Guests, include Dr. Jackie Vimo, an Assistant Professor of Political Science and Law and Montclair State University and Montclair Board of Education member Jada Roman. Finally, the episode spotlights Gabriela Tutalo, owner of the boutique Solano. She shares her concerns about tariffs on imported goods, offering a glimpse into the resilience and creativity of small business owners adapting to economic challenges. **Subscribe, leave a review, and please share your thoughts by leaving a voicemail at MontclairPod.com. Follow on Instagram. Email us at [email protected]**

Transcribed - Published: 25 January 2025

Georgia Lee Hussey, Certified Financial Planner and founder of Modernist Financial, joins the program. Learn how to navigate the stock market when analysts predict slower growth over the next 10 years, how to choose the right 529 plan for your child’s education, and a new way to think about the economic value of stay-at-home parenting. Join Farnoosh's free info session for Book to BrandCheck out her new hyperlocal podcast The Montclair PodJoin the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 24 January 2025

As we kick off 2025, a year already marked by uncertainty with a new presidential term underway, many of us are feeling a mix of anxiety and hesitation about our financial futures. From proposed tax changes to shifts in education and immigration policies, the ripple effects on our wallets are undeniable. To help us navigate this emotional terrain, we welcome back financial therapist Aja Evans. Aja's new book, Feel Good Finance, is the guide we all need right now, offering practical strategies for untangling our money emotions and building a healthier relationship with our finances. In today’s episode, Aja will help us: Understand how our early experiences shape our financial habits and anxieties.Learn how to address money conflicts in relationships with grace and communication.Avoid rash financial decisions in moments of heightened emotion or uncertainty.Set boundaries around social pressures and financial FOMO—whether from friends or social media.Create practical, personalized systems for organizing and managing money that actually work for you.

Transcribed - Published: 22 January 2025

This episode originally aired on November 17, 2024. As we enter a second Trump administration, there’s growing concern over the future of climate policies. With environmental protection on the chopping block, it’s never been more critical for individuals to take action where they can—through their spending, saving, and investing choices. Today’s conversation with financial author Kara Perez couldn’t come at a better time. Kara is the founder of Bravely Go and the author of her debut book, Green Money, where she offers a roadmap for how we can use our money to create meaningful change, even in the face of policy setbacks. Join the So Money Members Club.Download Farnoosh’s free investing blueprint.Hang out with Farnoosh on Instagram.

Transcribed - Published: 20 January 2025

In this episode of So Money, Farnoosh answers a variety of listener questions including how to manage finances during a job transition and prioritize severance pay, Should you ever pause 401(k) contributions? Also: The best time to execute stock options and how to qualify for a mortgage as an entrepreneur. Sign up for Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members ClubRegister for Book to BrandLeave a review on Apple PodcastsOrder Farnoosh’s new book, A Healthy State of Panic

Transcribed - Published: 17 January 2025

Today’s episode is for anyone who’s seriously considered packing their bags and leaving the United States. Whether it's for a better quality of life, a slower pace, or political reasons, moving abroad is a dream for many, but it’s also a complex journey. Joining us is Stacy Ennis, bestselling author, writing coach, and expat living in Portugal. Stacy has lived in four countries outside the U.S., and she’s become an unofficial expert on relocating abroad sustainably, not impulsively. In our conversation, we’ll dive into the practical, financial, and emotional realities of moving abroad. What are the biggest challenges? How do you ensure you're making this move for the right reasons? And what misconceptions do Americans often have about living in another country? If you’ve ever dreamed of starting over in a beachside town or exploring a new culture, Stacy’s insights are invaluable. Sign up for Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members ClubLeave a review on Apple PodcastsOrder Farnoosh’s new book, A Healthy State of Panic

Transcribed - Published: 15 January 2025

We explore the power of career pauses with Neha Ruch, founder of Mother Untitled and author of The Power Pause: How to Plan a Career Break After Kids and Come Back Stronger Than Ever. Neha is on a mission to rebrand the title “stay-at-home mom” and shift the narrative around career breaks from one of sacrifice to one of empowerment. We dive into how parents can intentionally plan for a career pause, create financial security, and use this time to grow both personally and professionally. Neha offers practical strategies for navigating societal perceptions, fostering meaningful connections, and eventually returning to work with confidence. Sign up for Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members ClubLeave a review on Apple PodcastsOrder Farnoosh’s new book, A Healthy State of Panic

Transcribed - Published: 13 January 2025

Farnoosh celebrates the podcast's 10th anniversary and shares her personal journey from a hectic 2024, emphasizing a more intentional approach to 2025. Farnoosh answers listener questions on maintaining good credit, the impact of paying off car loans early, the pros and cons of canceling a department store credit card, and the cost of investment management fees. She also discusses helpful resources for those affected by California wildfires including: The Red Cross California Community Foundation’s Wildfire Relief Fund World Central Kitchen Direct Relief United Way of Greater Los Angeles Sign up for Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members ClubLeave a review on Apple PodcastsOrder Farnoosh’s new book, A Healthy State of Panic

Transcribed - Published: 10 January 2025

Known for his no-nonsense approach to money and his former role as a Ramsey Solutions personality, guest Anthony O'Neal has helped millions take control of their finances. He has written several books, including his latest, Take Your Seat at the Table, where he empowers readers to create a vision for their lives and build wealth on their terms. In this episode, Anthony shares his remarkable journey from being a 19-year-old drowning in $35,000 of debt to becoming debt-free and building a seven-figure business. He opens up about his time working with Dave Ramsey, how it influenced his financial philosophy, and why he eventually decided to strike out on his own to bring financial education to underserved communities. You’ll learn: The money mistakes Anthony made at 19 and how he turned his life around.The importance of avoiding consumer debt and focusing on building assets.How faith and purpose are pivotal in Anthony’s financial teachings.Why creating a clear vision for your life is the first step to achieving financial freedom.Practical steps for eliminating debt, building generational wealth, and owning your financial life. Sign up for Farnoosh’s free Investing BlueprintFollow on InstagramJoin the So Money Members ClubLeave a review on Apple PodcastsOrder Farnoosh’s new book, A Healthy State of Panic

Transcribed - Published: 8 January 2025

As we enter a new year, many of us are thinking about fresh starts, big goals, and how we can make more meaningful contributions—whether in our personal lives or at work. But what if the key to achieving that isn’t about working harder or chasing success the traditional way? What if the secret lies in something as simple and powerful as kindness? In today’s episode, we dive deep with James Rhee, an educator, impact investor, CEO, and author of Red Helicopter: A Parable for Our Times. James is best known for his transformative leadership at Ashley Stewart, where he not only revived a struggling retail brand but turned it into a community-driven powerhouse by weaving kindness, empathy, and purpose into every decision. A Harvard Law graduate and former high school teacher, James has a remarkable ability to bridge the worlds of high finance and human-centered leadership. We discuss how a childhood experience with a red helicopter shaped his lifelong philosophy, his journey from teaching to private equity, and the surprising parallels between math and creativity. James also delves into the role of AI in shaping society and why now, more than ever, leaders must embrace humanity and creativity to drive lasting impact.

Transcribed - Published: 6 January 2025

This episode originally aired on October 11, 2024. Fresh episodes starting Monday!Download Farnoosh's Free Investing Blueprint to learn how to begin investing for your future.Today's show: Is there such a thing as investing "too" much? Can obtaining a home equity loan be helpful when purchasing a second home? How to find a great accountant and more.

Transcribed - Published: 3 January 2025