Money Rehab with Nicole Lapin

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Business
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Ever notice that we will talk about everything before we talk about money? Sex? No problem. Politics? Bring it on. Money? Totally taboo. But not for long! Nicole Lapin— the only financial expert you don’t need a dictionary to understand, New York Times best-selling author, and host of Money Rehab— is here to rehab your wallet, so you can get your financial life together once and for all.

2d ago

4 Money Lessons From the Stars of Selling Sunset

Selling Sunset isn't just a show about real estate, drama, and outfits... it's a show about money. Over the past few years, Nicole has had four cast members from the Selling Sunset universe on Money Rehab: Jason Oppenheim, Emma Hernan, Mary Bonnet, and Polly Brindle. Today, she's pulling out four moments from those conversations that she hasn't been able to stop thinking about. Jason, one of the most successful real estate brokers in LA, makes a confession you'd never expect from someone who sells homes for a living: renting often beats buying, financially speaking. Mary opens up about the ex-husband who secretly ran up six figures of debt in her name, and the exact tactic she used to rebuild her credit score from scratch. Emma explains why she's turned down millions in outside investment for her company and what she thinks is broken about "Shark Tank culture." And Polly gets brutally honest about maxing out three credit cards, borrowing from friends, and the mindset shift that turned her financial life around. Start investing investing at SoFi.com/MNN Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ Here's what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 00:15 Four Money Moments From the Selling Sunset Universe 00:42 Jason Oppenheim's Take: Renting Beats Buying 04:48 Mary Bonnet's Secret Debt and Financial Abuse Story 09:07 Red Flags to Watch For Before You Share Finances 12:29 Emma Hernan on Turning Down Millions in Funding 16:47 Polly Brindle: From Maxed Credit Cards to $48M in Sales 21:46 Tip You Can Take Straight to the Bank All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.
4d ago

Attorney James Sexton on How to Get Divorced Without Going Broke

Divorce attorney James Sexton is back for part two of his conversation with Nicole; in part one, he talked about advice for couples getting married. Today, he’s giving advice for people getting divorced. Nicole and James dig into the financial habits that sabotage marriages, the creative ways people hide money before filing, and the red flags that signal a spouse might be planning an exit. Plus, James gives simple advice on what might be the most complicated part of this process: how to tell your spouse you want a divorce. James also breaks down how alimony actually works, the best argument for keeping the house, and the negotiating tactics he uses to fight for a bigger settlement. Then things get spicy: the digital footprint mistakes blowing up divorces in real time, the unofficial "a-hole tax" judges impose on bad behavior in court, and the wild story of a $20 million divorce that almost collapsed over a toaster oven. Check out Part 1 of Nicole's conversation with James Sexton Start investing investing at SoFi.com/MNN Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ Follow James’ work and check out his latest book Here's what Nicole covers with James: 00:00 Are You Ready for Some Money Rehab? 02:31 The Financial Habit That Complicates Every Divorce 05:01 How People Hide Money Before a Divorce 09:21 Red Flags Your Partner Might Be Planning a Divorce 11:35 What To Do If You're Thinking About Divorce 12:11 How Much Does a Divorce Actually Cost? 17:13 Mediation vs. Litigation: Which Should You Choose? 19:37 The Best Way To Ask For a Divorce 21:18 How Alimony Really Works 25:00 When the Woman Is the Breadwinner 28:29 Is Alimony About Money or Power? 29:58 The Best Argument for Keeping the House 32:11 Bunnie XO, Jelly Roll, and Who's Entitled to What 34:56 Lightning Round 38:03 The $20 Million Toaster Oven Story 39:14 The Most Expensive Emotion in Divorce 39:20 What To Never (and Always) Put in Writing 40:00 How Social Media Can Blow Up Your Divorce 42:54 The "A-hole Tax" Explained 45:31 James Sexton's Tip You Can Take Straight to the Bank
Aug 12

What to Do Before Your Student Loan Payment Jumps to $900

If you've been parked in SAVE plan limbo for the last two years, the waiting is over, and the letter that starts your 90-day clock is either already in your inbox or on its way. Today, Nicole breaks down what happened to SAVE, why doing nothing could send your payment from $0 to $900 overnight, and exactly what to do before that clock runs out. Nicole walks through RAP, the new Repayment Assistance Plan replacing SAVE, how it calculates your payment off your income, and the upside most people miss: your balance can't grow even if your payment doesn't cover the interest. She also covers why studentaid.gov is about to get slammed, whether you should let the government pull your income data from the IRS, and how to avoid accidentally landing in a plan that doesn't count toward forgiveness. Then, Nicole flags two things you don't want to miss: a quadrupled autopay discount worth locking in before September 30th, and a little-known Secure 2.0 rule that lets your employer match your student loan payments straight into your 401(k). If you're already in default, she also breaks down what's coming this fall as wage garnishment turns back on, and the two ways out. Finally, today's tip you can take straight to the bank: a tax-filing move married borrowers should run the numbers on before their next RAP payment is calculated. Start investing investing at SoFi.com/MNN Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ Here's what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 00:16 SAVE Is Officially Dead 01:29 What Happens If You Do Nothing 02:12 Check Your Real Balance (Interest Never Stopped) 02:37 Meet RAP: The New Repayment Assistance Plan 03:24 Get Ahead of the Studentaid.gov Stampede 04:40 The 401(k) Match You Didn't Know You Had 05:21 If You're in Default: What's Coming This Fall 06:35 Tip You Can Take Straight to the Bank This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor or tax professional before making any financial decisions.
Aug 10

Mauricio Umansky on “Rentvesting” a Bullish Real Estate Market and Where to Buy

Mauricio Umansky is one of the most successful luxury real estate agents in the world, selling homes for A-listers and closing massive deals. Today, he joins Nicole to break down exactly where the real estate market stands right now: why we're finally shifting out of a three-and-a-half-year transaction low, why “rentvesting” might be a move to consider in some markets, and the 10-year rule that means almost no one who buys a home ever ends up losing money on it. Then Nicole and Mauricio dig into the parts of his world reality TV can't capture: the $124 trillion wealth transfer reshaping who owns real estate next, his "playvestment" strategy for buying property purely because it makes him happy, his take on the mansion tax killing development in LA, and whether he'll ever trade real estate for a run at Mayor of Los Angeles. Start investing investing at SoFi.com/MNN Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ Learn more about Mauricio’s work and The Agency Here's what Nicole covers with Mauricio: 00:00 Are You Ready for Some Money Rehab? 03:04 Is This a Buyer's or Seller's Market? 04:10 Comparing Today's Market to Past Cycles 08:17 The 10-Year Rule According to Mauricio 09:21 Rentvesting Explained 10:35 Real Estate Returns vs. the Stock Market 11:45 Where Mauricio Would Buy Right Now 14:35 His Investment Thesis: Hospitality, Flipping, and Branded Residences 15:43 The Real Odds of Getting a Deal Done 16:56 Inside His Portfolio: Real Estate vs. Equities 17:53 Will AI Replace Real Estate Agents? 19:01 The $124 Trillion Wealth Transfer and Family Compounds 22:15 Short-Term Rentals and the 2028 LA Olympics 23:12 Would He Run for Mayor of LA? 29:56 The Mansion Tax, Explained 32:16 Reality TV: Help, Hurt, and Are the Numbers Even Real? 39:01 The Passion Project That Makes Him Zero Dollars 40:16 The Truth Behind His "$6 Billion" in Sales 46:24 Mauricio's Tip You Can Take Straight to the Bank All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.
Aug 3

A Divorce Attorney's Guide to Staying Together... and Not Going Broke

Divorce attorney James Sexton has a theory: the smartest thing you can do before you get married is think like someone whose job is ending marriages. Today, James joins Nicole for part one of a two-part conversation, sharing what you need to know before you say "I do." Make sure you're subscribed to Money Rehab so you don't miss part two in a few weeks, where they get into what you need to know before you get divorced. James unpacks why every couple needs a prenup, and shares the wildest prenup clause he's ever seen. He also gets into what actually makes fidelity and sex clauses hold up in court, and why most DIY prenups fall apart long before they're ever tested. Then Nicole and James zoom out to the stuff that can predict divorce long before anyone hires a lawyer: the small, unsexy daily habits that keep a relationship alive, and the financial fights that are never really about the money. Plus, James explains why he thinks couples should see a divorce attorney before they get married, and as weird as it sounds… we agree. Start investing investing at SoFi.com/MNN Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ Learn more about James Sexton and his work Here's what Nicole covers with James: 00:00 Are You Ready for Some Money Rehab? 03:13 Why James Chose Divorce Law (Not the Money) 06:06 Has Divorce Law Soured James on Romance? 08:33 James's Own Marriage, Divorce, and Dating Life Now 14:23 Why You Should Talk to a Divorce Attorney Before You Marry 15:49 The Small Habits That Keep a Relationship Alive 21:16 What Actually Ends Marriages 27:28 Should Marriage Have a Higher Bar to Entry? 29:37 Is Your Prenup Actually Enforceable? 31:38 The $10,000-a-Pound Prenup Clause: A True Story 38:03 DIY Prenups and What Not to Skip 44:54 Fidelity Clauses and Sex Clauses 49:01 Do Prenups Actually Prevent Divorce? 50:41 Why the Prenup Conversation Is Secretly Romantic 53:03 The Story of the Lemons: Why Positional Bargaining Fails 57:51 The Most Toxic Financial Fights in Relationships 58:41 What Money Can (and Can't) Buy 1:00:54 Coming Up: James's Divorce Advice in Part Two All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.
Jul 29

How Small Business Owners Win in 2026

Today, Nicole is teaming up with U.S. Bank to unpack the state of small businesses and what entrepreneurs can do right now to get ahead. Nicole sits down with Shruti Patel, U.S. Bank's Chief Product Officer for the Business Banking segment, to unpack the findings from the bank's fourth annual Small Business Survey and what they reveal about the state of entrepreneurship right now. Shruti breaks down why small business optimism dipped from 93% to 83% this year even as resilience holds strong, why only 3% of owners are currently considering a sale or exit, and what that signals about the massive wealth transfer coming as Boomer-aged owners hand off their businesses to the next generation over the next decade. Then the conversation turns to Gen Z founders specifically: their appetite for bold, calculated risk, and the surprising trend of delaying life milestones like marriage and family to build their businesses… a bet that, according to the data, is actually paying off in faster growth. Nicole and Shruti also get tactical: how business credit actually works (and why your personal credit score matters more than you'd think) and the real documentation lenders want to see. Plus: how small businesses are using AI to cut costs (even when the ROI math gets murky), where digital currency payments stand today, and why frictionless checkout is a bigger deal than most owners realize. Learn more about U.S. Bank's Small Business Banking solutions at: usbank.com Check-out the results of U.S. Bank’s Small Business Survey: https://www.usbank.com/business-banking/business-resource-center/small-business-survey.html Here's what Nicole covers with Shruti: 00:00 Are You Ready for Some Money Rehab? 00:43 Meet Shruti Patel, U.S. Bank's Chief Product Officer 01:20 Inside U.S. Bank's 4th Annual Small Business Survey 02:16 Why Optimism Dropped from 93% to 83% 04:45 Why Only 3% of Owners Are Considering an Exit 05:18 The Great Wealth Transfer and Succession Planning for the Next Decade 06:31 Inside Gen Z's Bold, Calculated Approach to Risk 07:37 Delaying Marriage and Family to Build a Business 09:03 "You Can Have It All, Just Not All at Once" 11:07 How Gen Z Defines Success 12:10 The Death of the "Shark Tank" Fundraising Dream 13:45 Debt vs. Equity: Rethinking How to Finance Growth 14:17 What Banks Look for Before Approving a Loan 16:08 Do Businesses Have Their Own Credit Score? 17:38 Personal Guarantees and the Documentation You'll Need 19:06 The SBA Loan Process 19:38 How Small Businesses Are Actually Using AI to Save Money 21:16 The "Digital Target Checkout" Problem with AI Costs 22:39 Where Digital Currency and Crypto Payments Stand Today 24:15 Why Frictionless Checkout Is Everything 26:03 Inside U.S. Bank's Business Essentials Launch 29:32 U.S. Bank's Partnership with the NFL and the Financial Edge Program 33:45 Shruti Patel's Tip You Can Take Straight to the Bank All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.
Jul 27

Kevin O'Leary's Crypto U-Turn, Data Center Lawsuits, and the $28 Sandwich Rematch

Kevin O'Leary is back on Money Rehab, and this time he's changed his tune on crypto. Nicole presses "Mr. Wonderful" on his wild reversal: from owning 27 coins to just two, why he thinks the real money is now in power infrastructure, and why the Clarity Act could break Bitcoin’s price ceiling. Kevin also gets into the messy, litigious world of data centers, including the lawsuits, the death threats against his own family, and where he thinks the money trail leads. Then things get personal: his $5 million "you're not wealthy until" rule, the eye-popping story behind the $35 million outfit he wore to the Oscars, and which Shark he’d call to bail him out of jail. Of course, no Kevin O'Leary episode is complete without a fight, so Nicole and Kevin reignite their $28 sandwich debate and reach a truce… Almost. Start investing investing at SoFi.com/MNN Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠ Here's what Nicole covers with Kevin: 00:00 Are You Ready for Some Money Rehab? 01:25 Kevin O'Leary Returns (RIP Labubu) 02:05 Confessions of a "Social Media Whore" 04:33 Buying Longevity: The Ozempic Debate 07:30 Wealth, Health, and Sleep Optimization 08:45 Inside Kevin's Lawsuit Playbook 14:00 Foreign Adversaries and the Data Center Wars 15:19 Debunking the Data Center Water Myth 19:19 From 27 Coins to Just Two: Kevin's Crypto Reset 23:55 The Quantum Computing Threat to Bitcoin 26:36 Kevin's New Bitcoin Price Target 29:01 Why Power, Not Crypto, Is the Real Trade 33:07 Should You Still Buy Crypto Right Now? 34:41 The Kidnapping Risk Nobody Talks About 36:28 The Money Bag: Financial Envy 38:01 The $5 Million Rule for Feeling Wealthy 40:15 Why Kevin Refuses to Google His Net Worth 42:23 The $35 Million Oscars Outfit 49:19 Passing Down Collectibles (and the Tax Trap) 51:40 Who Bails Kevin Out of Jail? 58:56 Kill, Marry, Fire: Pelosi, Holmes, and Cathy Wood 1:03:55 Data Center Death Threats 1:04:16 Round Two: The $28 Sandwich Fight 1:10:42 Kevin O'Leary's Tip You Can Take Straight to the Bank All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.
Jul 20

Bill Ackman on His Investing Playbook, His Bullish and Bearish Bets, and What Could Trigger the Next 2008

Bill Ackman built one of the most closely watched hedge funds on Wall Street; when he speaks, markets move. Literally. Today, he joins Nicole to break down the opportunities he’s seeing in the market, which companies are in his portfolio, and what could trigger the next 2008. Bill walks Nicole through his investing playbook, the biggest mistake new investors make, and whether we’re in an AI bubble. Then, Nicole and Bill play a rapid-fire round of Bullish or Bearish where Bill gives his takes on gold, Bitcoin, Chipotle, Starbucks, T-bills, Trump, and Mamdani. Bill also gets personal about his inheritance plans for his four daughters, what he actually thinks makes someone successful in business, and whether he would run for office. Check out Nicole's financial literacy course⁠ ⁠The Money School⁠⁠ Find a Financial Advisor or Financial Coach from Nicole's company⁠ ⁠Private Wealth Collective⁠⁠ Watch video clips from the pod on⁠ ⁠Money Rehab's Instagram⁠⁠ and⁠ ⁠Nicole Lapin's Instagram⁠⁠ ⁠Follow Bill Ackman⁠ on X Learn about ⁠Pershing Square⁠ Here's what Nicole covers with Bill: 00:00 Are You Ready for Some Money Rehab? 01:14 Bill Ackman on the State of the Economy Right Now 03:00 Who Wins the AI Race: OpenAI vs. Anthropic vs. SpaceX 04:31 Why a Great Business Is Like a Bond 05:56 Is the Stock Market Too Expensive Right Now? 07:01 Where to Put Your First $1,0000 7:39 Inside Pershing Square's 12-15 Stock Portfolio 09:22 Democratizing Hedge Funds with PSUS 10:39 Buying Stocks at a Discount 11:18 Apple's Innovation Problem and Life After the iPhone 12:33 The Best Advice for New Investors 14:06 Are We in an AI Bubble? 16:46 Predicting the Future and the Next Financial Crisis 17:52 Why You Should Never Borrow Against Your Stocks 19:20 Carl Icahn's Billion-Dollar Leverage Cautionary Tale 20:16 The Worst Investing Advice He's Ever Heard 23:00 Fixing the Retirement Crisis 25:48 Bullish or Bearish: Gold, Bitcoin, Chipotle, Starbucks, Trump and Mamdani 33:30 What It's Like When Your Tweets Move Markets 35:15 Would Ackman Ever Run for Mayor of NYC? 38:01 The World He Wants for His Four Daughters (and His Inheritance Plan) 42:25 The Real Formula for Success in Business 44:21 Bill Ackman's Tip You Can Take Straight to the Bank All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

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Nicole Lapin

Host
James Sexton

Guest
Bill Ackman

Guest
Josh Johnson

Guest
Allison Ellsworth

Guest

4.6

out of 5

1,663 Ratings

Educational & Empowering!!

3d ago

jennynicholeee

Nicole makes personal finance approachable while still challenging me to expand my perspective and question what I think I know. I really appreciate the range of viewpoints she brings to the conversation, along with the diverse perspectives of her guests. It’s a podcast that consistently makes me think, learn, and see money in a new way.
Loved Glennda

May 17

RBS199

As a Realtor, I follow Glennda all the time. Great tips + experience.
Basic and biased

Jul 27

Pilly6789

Nicole isn’t very smart. She regurgitates information. Typically asks questions that make her seem non-strategic. She also has a baby voice that is just grating. You will feel like your intelligence has suffered. Recommend passing.
Disappointed

Jul 25

Rizzy Frm NJ

I was excited to give this podcast a chance. The production quality is poor. The info is basic. Money Girl Podcast is much more informative and the production is great.

Ever notice that we will talk about everything before we talk about money? Sex? No problem. Politics? Bring it on. Money? Totally taboo. But not for long! Nicole Lapin— the only financial expert you don’t need a dictionary to understand, New York Times best-selling author, and host of Money Rehab— is here to rehab your wallet, so you can get your financial life together once and for all.