Episodes

Today, we're discussing the top 3 financial lessons I'm taking from 2021. This is the last episode of season 1, and I'd love to hear what you're interested in for season 2. Shoot me an email at podcast@moneywithkatie.com!Thanks to Capitalize for sponsoring today's episode. Capitalize is my favorite free 401(k) rollover service, and you can read about my experience using their product to roll over my 401(k) here.

Today, I'm interviewing a friend of mine who left the trading floor at Goldman Sachs to start his own company that helps people make sense of their finances and relate them back to the one precious resource that matters most: Time.I loved this conversation, and Ben is fantastic, as you'll hear. Here's where you can find him:Try ChroniFI with a 60-day free trial: www.chronifi.com/katieBen's budding blog, which I'm trying to convince him to blow up even moreIf you're interested in rolling over a 401(k) with the sponsor of today's episode, Capitalize, check out my full product review here.

Today, we're talking about three questions we should be asking ourselves in preparation for a new year. Annual planning (both financial and otherwise) is super powerful for achieving the things we want. Our three questions:Where will I be one year from today?Where am I right now?What's my one word for 2022?In this episode, I'll talk you through how to answer these questions (and the questions within them) and how to use them to reach your goals in 2022. The 2022 Wealth Planner launches January 1, 2022 at midnight.

Today on the show, I've got my friend Eliana Goldstein, a Millennial Success Coach who focuses on career coaching (she's certified!).Sign up for Eliana's free masterclass for Money with Katie listeners on Wednesday, Dec. 8 here (4PM PST/7PM EST).We discuss:Her journey to becoming a career coach and why she's uniquely qualified to do itWhy so many Millennials are unhappy in their careers, and how they can begin to remedy itHow we should think about the "fulfilling career" vs. "high-paying job" tradeoffCareer mindset & mapping

I was excited to talk to Sarah, the CEO of Betterment, about some of the tough questions I've wanted to ask someone for a long time:COMPETITION: What makes Betterment better than, say, Wealthfront?HUMAN EXPERTS: How much human involvement goes on behind the scenes with a roboadvisor?THE FUTURE: Where's Betterment headed in the next 5 years? 10?INVESTING WITH YOUR VALUES: How is Betterment approaching socially responsible investing?If you want to get started with Betterment, you can do so here.

All right, maybe the episode title should be, "What high earners should already be doing regardless of whether or not it goes away."I'd argue that the Backdoor Roth IRA is actually the sub-optimal path forward if you've got W2 wages and self-employment income. In today's episode, we talk about something you should consider doing instead to defer even more income.RESOURCES MENTIONED"We Should All be Millionaires" by Rachel RodgersRolling over your 401(k) easily

Today, we're riffing on a few things: How I discovered financial independence, what my life was like then, the progress I've made, and how my goals have shifted since then.Ultimately, we're taking a more thoughtful look at the way we approach financial goals and if – sometimes – we kinda miss the point.

Inspired by my recent venture into the capsule wardrobe, I wrote and recorded this episode about overcoming spending guilt as an objectively high earner who has a hard time spending money. We'll dig into...My money stories from childhoodWhy (I think) I have a hard time with spending, and what I'm doing about it3 legitimate, actionable tips for feeling less guilty about spending your moneyThe budgeting app I mentioned in today's show is called Copilot, and you can use the code KATIE2 to double your free trial.

Self-employed people are able to contribute a ridiculous amount of money to their special self-employment retirement accounts. Today, we're going to dig into:Everything you need to know about Solo 401(k)s and SEP IRAsWhere your self-employment tax even comes fromHow to decide what's better for you – Solo 401(k) or SEP IRA – depending on how much money you make and whether or not you have a full-time job, tooThe only way to avoid paying the 15.3% self-employment taxHow you could save more than $10,000 in taxesThe easy calculation for figuring out how much you're allowed to contribute to a SEP IRA or Solo 401(k)My new strategy for ditching the Backdoor Roth IRA and getting Roth exposure elsewhere, allowing me to use a big, fat SEP IRARESOURCES MENTIONEDYou can open a SEP IRA with Betterment todayThe fancy IRS calculator for determining what you're allowed to contribute (but I'd just use the easy formula I mentioned in the episode!)

Today, we're looking at the top 5 basics for people who are starting their personal finance journey:Paying off debt strategicallyNot over-doing the emergency fundInvesting early and often in a tax-efficient wayLiving beneath your meansUsing credit cards to travel for freeRESOURCES MENTIONEDGet started with Betterment > "Betterment Safety Net"Pick up a Wealth Planner tool for an exact emergency fund recommendationHow to Use Your 401(k) in Early Retirement without a 10% Penalty401(k)s for the Self-EmployedA Case for Why Nice Stuff Might Be Making Your Life WorseThe Top 3 Spending Mistakes I SeeTravel Credit Cards: A Full Breakdown Guide

An episode by popular demand: Let's talk about how you can travel for free using credit card rewards. Today, we're going to talk about:The prerequisites for using credit card travel rewards (who should and shouldn't be doing this)FAQs about timing, risks, credit score implications, and moreThe 5-6 cards I recommend getting, in order, and why the annual fees are worth itRESOURCES MENTIONEDThe Wealth PlannerThe Chase Freedom Flex Card application linkThe Chase Sapphire Preferred application linkThe Chase Southwest Airlines Rapid Rewards Priority Card application linkThe Chase Marriott Bonvoy Boundless Card application linkThe Platinum Card from American Express application linkThe Platinum Card from American Express full updated reviewTravel rewards as a couple ("two-player mode")

The home ownership debate (to rent or to buy?) is heated and – I would argue – frustrating. Today, I'm diving into my REAL beef with the, "Renting is throwing your money away," condescension – in the hopes that young people will learn how to run the numbers instead of relying on conventional wisdom.ARTICLES REFERENCEDWhen the Math Supports Buying Your Primary ResidenceOur Net Worth is More than $500,000 – Here's Why We Choose to RentWhy Your House is a Terrible Investment (JL Collins)