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HerMoney with Jean Chatzky

Jean Chatzky Her Money
  • 4.7 (1.4K)
  • INVESTING
  • UPDATED BIWEEKLY

Anyone who tells you women don’t need financial advice specifically for them is wrong. Women, whether they’re the caretakers, the breadwinners, or both, face a unique set of financial challenges. That’s where HerMoney comes in. In her frank, often funny, but always compassionate way, Jean Chatzky takes every audience of women through the steps they need to take today to live comfortably (and worry-free) tomorrow, offering the latest research, expert tips and personal advice. Want more money news when you need it? Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at HerMoney.com/subscribe!

  1. 21H AGO

    A Week In Her Wallet: How One Woman Turned Divorce Debt Into a Bulletproof Budget, and a Savings Surplus

    Nicole is 56, single, and living in Raleigh, North Carolina, and she has a spreadsheet for everything. After her divorce left her saddled with debt, she spent two decades building a budget system so airtight she hasn't carried a credit card balance since. Now she's earning over $100k a year, paying off every card in full, and chipping away at a student loan she could settle tomorrow if she wanted to. But when Nicole spent a week tracking every dollar for A Week in Her Wallet, she made a surprising discovery: she has far more money left over each month than she ever realized, and she’s ready to put it to work. In this episode, Jean and Nicole cover: The medical billing maze that's costing Nicole more than it should The three-debit-card system Nicole built  Why a diagnosis changed how she thinks about spending on her own wellbeing The student loan she's been carrying strategically  What Nicole's retirement dream actually looks like Pre-order Jean's new book, The Forever Paycheck — your guide to building a secure, steady income stream for the retirement you've worked so hard for. Learn more about your ad choices. Visit megaphone.fm/adchoices

    33 min

  2. 2D AGO

    How To Not Know: Making Peace With Financial Uncertainty

    If financial uncertainty is keeping you awake at night, this episode is for you. Author and journalist Simone Stolzoff joins Jean to talk about his new book, How To Not Know: The Value of Uncertainty in a World That Demands Answers, and why learning to sit with the unknown might be the most powerful financial skill you can develop right now. And in this week's Mailbag, Jean is joined by Lacy Garcia, founder and CEO of Willow, to help three listeners navigate inflection points in their lives: how to start dividing shared assets before a divorce is filed, what to do with your 401(k) after a layoff, and how to think about a lump-sum inheritance without letting fear or emotion drive the decision.  Resources mentioned in this episode: The Good Enough Job by Simone Stolzoff Hanna Horvath, Your Brain on Money on Substack The Forever Paycheck by Jean Chatzky — available for pre-order now Subscribe to the HerMoney newsletter Ready to connect with a fiduciary advisor who's the right fit for you? Find one at hermoney.com/findanadvisor. Learn more about your ad choices. Visit megaphone.fm/adchoices

    1 hr

  3. MAY 8 ·  BONUS

    "I'm 56 with $3M saved. My husband says we can't afford for me to retire early. Is he right?"

    This week, Jean sits down with Louise, 56, a high-tech executive who's burned out, stretched thin, and seriously asking herself whether it's time to walk away from her career. Louise has done everything right: she and her husband have $3.2M in retirement accounts, over $400k in vested stock, a home worth almost $2 million, and 529s for the kids. But with a family of six to cover, and healthcare costs that could rival a mortgage, the math is murkier than it looks. Jean helps her think through what early retirement would actually cost, where the real risks are, and what she needs to figure out before she makes any moves. In this episode: The Rule of 55 — what it is, how it works, and whether it's the right move Why the 4% rule may not be enough when you're only 56 Healthcare on the open market: what it really costs for a family of six post-subsidy How unvested stock grants could completely change Louise's retirement picture Why your home equity belongs in your net worth calculation The case for finding a middle path between burnout and full retirement What to ask a financial advisor before making any early retirement decisions Never miss a money moment — sign up for the free HerMoney newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

    28 min

  4. MAY 6

    This Mother's Day, Pass It On: Slow and Steady Still Wins

    It was 1996 when a young journalist named Beth Kobliner published a book called Get A Financial Life, and for a whole generation of women in their twenties and thirties, it became the money bible they didn't know they needed. Thirty years later, Beth is back with a completely updated fifth edition, and the timing couldn't be more perfect. This week, Jean sits down with Beth for a wide-ranging conversation about what thirty years of writing and talking about personal finance has taught them both, and why the fundamentals Beth wrote about in the 90s are more relevant, and more urgent, than ever.  In this episode, you'll learn: Why taking care of your own finances is one of the greatest gifts you can give your kids What Gen Z is actually getting right about money  Why slow and steady still wins The truth about neobanks, crypto, and gambling apps  The single most important money move a young person can make today that their future self will thank them for Subscribe to the free twice-weekly HerMoney newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

    30 min

  5. MAY 1 ·  BONUS

    A Week In Her Wallet: A 63-Year-Old Preschool Director Saving For Her “Rich Enough Old Lady” Future

    What does it actually look like to spend just $400 in a week… intentionally, joyfully, and with a clear-eyed plan for the future? This week on A Week in Her Wallet, Jean sits down with Ann, a 63-year-old Early Childhood Director from upstate New York, who is on a mission to build what she calls her "rich enough old lady future self." Ann brings in over $100k a year, but her spending week clocked in at under $400, not because she's depriving herself, but because she's figured out exactly what she values and what she doesn't. From homemade iced coffee and Sunday meal prep to a cleaning splurge she refuses to apologize for, Ann's week is a masterclass in intentional money. In this episode, Jean and Anne talk about: The "All About Me" account Anne created to spend guilt-free — and why it changed her relationship with money How a scarcity mindset from childhood still shows up today, even after buying window treatments she saved two years for Why Ann went from DIY-ing her investments to hiring a financial advisor, and why she calls it the best money she's ever spent Her paid-off Honda, "the green lady," and what shifting from luxury cars taught her about values Navigating finances in a new relationship after a 36-year marriage ended What she wants women in their late 50s and 60s, especially those feeling behind, to hear If you want to be considered for a future episode of A Week in Her Wallet, fill out the form here, we'd love to hear from you. Learn more about your ad choices. Visit megaphone.fm/adchoices

    34 min

  6. APR 29

    The Best Money Advice of All Time (According to the Experts)

    What's the best financial advice you've ever received? Not the trendiest tip or the hottest stock pick; what’s the wisdom that actually holds up over a lifetime? That's exactly the question Diane Harris, Deputy Editor of Kiplinger, put to 35 of the most trusted voices in personal finance…and the answers are as practical as they are profound. In this episode, you'll learn: Why "spend less than you make" is still the foundation of everything, and what Jean says happens when you don't Peter Lynch's "elevator pitch" test for any stock you own (and why most people fail it) Teresa Ghilarducci's one-date-a-year rule for protecting yourself from panic-selling Why Christine Benz says paying off your mortgage early makes sense, even if the math says otherwise Diane’s number one personal finance tip she learned from taking care of her mother Learn more about your ad choices. Visit megaphone.fm/adchoices

    32 min

  7. APR 24 ·  BONUS

    "I'm 68 and newly retired. Should I tap my $850K nest egg to renovate my bathrooms, or borrow instead?"

    What does it actually feel like to be on the cusp of retirement and wonder if you're doing it right? This week, Jean sits down with two listeners, Nancy and Melissa, who are both asking the same underlying question: How do I make sure I don't run out of money in retirement, while still actually enjoying my life? First, Jean talks with Nancy, 68, a soon-to-be retired nurse with $850K saved, a pension, and Social Security on the way. Nancy wants to renovate her bathrooms before she stops working, but she's torn between using her HELOC or tapping her nest egg.  Then Jean hears from Melissa, 53, who, along with her husband, has $1.2M+ saved across tax-deferred, Roth, brokerage, and treasury accounts, and wonders if she's taking on too much risk. Jean helps her zoom out, look at the full financial picture, and think through what a bucket strategy or annuity could mean for her peace of mind. In this episode: HELOC vs. refinance vs. pulling from savings; how to think through home improvement financing in retirement The 4% rule and when it makes sense to use it RMDs, IRMAA penalties, and why timing your withdrawals matters more than you think What 72% stocks actually look like when you account for your entire net worth Why hybrid long-term care policies might be worth a look How guaranteed income can actually free you to invest more aggressively with the rest Learn more about your ad choices. Visit megaphone.fm/adchoices

    33 min

  8. APR 22

    Don't Claim Too Early: The Social Security Mistake That Could Cost You 30%

    Did you know that claiming Social Security at 62 instead of 70 could mean locking in a permanent 30% cut to your monthly benefits for life?  In this episode, Jean sits down with Marcia Mantell, founder of Mantell Retirement Consulting and author of Social Security: Lightly Toasted, Not Burnt, to talk about what's really going on with Social Security's solvency, why Congress will almost certainly act before the fund runs dry, and how to make the best claiming decision for you. In this episode: The truth behind the "benefit cuts are coming" headlines, and what they get wrong Why the 2032 trust fund deadline isn't the catastrophe it sounds like What "popcorn careers" are doing to women's Social Security benefits The divorced spouse rules that could mean hundreds of extra dollars a month Survivor benefits: what every married woman needs to plan for now The real cost of claiming early Create your my Social Security account: ssa.gov Learn more about your ad choices. Visit megaphone.fm/adchoices

    38 min
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About

Anyone who tells you women don’t need financial advice specifically for them is wrong. Women, whether they’re the caretakers, the breadwinners, or both, face a unique set of financial challenges. That’s where HerMoney comes in. In her frank, often funny, but always compassionate way, Jean Chatzky takes every audience of women through the steps they need to take today to live comfortably (and worry-free) tomorrow, offering the latest research, expert tips and personal advice. Want more money news when you need it? Get the latest and greatest updates on all things investing, budgeting, and making money. Subscribe to the HerMoney newsletter at HerMoney.com/subscribe!

Information

  • Creator
    Jean Chatzky Her Money
  • Years Active
    2016 - 2026
  • Episodes
    725
  • Rating
    Clean
  • Copyright
    © 2016, Jean Chatzky
  • Show Website
    HerMoney with Jean Chatzky
  • Provider
    Her Money Media, Inc.

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