For The Hayters

PodcastOne

For The Hayters is a space where vulnerability is met with strength, and real stories remind us we’re never alone. Hosted by a community of storytellers and listeners alike, this podcast dives into the personal journeys—both beautiful and brutal—that shape who we are. From life-changing challenges to moments of resilience, our guests open up about the experiences that have defined them, in hopes of connecting, healing, and inspiring others. Whether you’re here to feel seen, heard, or understood, this is your reminder: your story matters. beckyhayter.com

  1. Wallet Therapy: Investing for Your Kid Without Losing Your Mind

    2 days ago

    Wallet Therapy: Investing for Your Kid Without Losing Your Mind

    The second Becks was born, Becky called Alex in a full panic and asked one question: "What account am I supposed to open for him?" Same energy as everyone who's ever Googled "529 vs UTMA" at 11pm. In this episode, Becky admits she had no idea where to even start, and Alex breaks down every kid investment account without making any parent feel like they're already behind. The Solution Why the guilt parents feel is real, and why you can't pour from an empty cup (you can borrow for college, you cannot borrow for retirement)529 plans: strong tax advantages and high contribution potential, but locked into education and penalized for non-qualified withdrawalsUTMA custodial accounts: flexible and not tied to education, but your kid gets full control at 18 or 21, plus the "kiddie tax" and financial aid impacts to watch forRoth IRAs for kids: decades of tax-free growth, but only if your child has legitimate earned income (sorry, newborns don't qualify)Brokerage accounts: total flexibility, accessible anytime, and the account Alex and Becky both chose for their kids, with exactly why and how they set it upWhat to do if you're not financially stable yet, because there are still free, low-cost ways to start This week's homework: If you're not stable yet, open a high-yield savings account in your kid's name and funnel birthday and holiday money into it, or just start building money habits at home. If you are stable, pick the ONE account that fits your family, not your friend's seven accounts on Instagram. Want to ask Alex which account makes sense for YOUR family? Our Patreon members get direct access to her on Discord to ask anything → patreon.com/beckyhayter Because money is emotional, and you deserve to feel safe with it. Love you, mean it. Try Fidelity: https://fidelity.app.link/e/zN0pCpYeUZb Try Monarch: Get 50% off your first year → https://monarch.com/referral/ey3kkk8c7e Connect with us: Join the Live Therapy: Support the show and join our monthly live Q&As at patreon.com/beckyhayter.Share your story: Email us at info@forthehaters.com to have your financial scenario featured on the show! See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    30 min
  2. Wallet Therapy:  Roth IRAs, HSAs, and the Accounts Nobody Actually Explained to You

    21 May

    Wallet Therapy: Roth IRAs, HSAs, and the Accounts Nobody Actually Explained to You

    Every time someone mentions a Roth IRA, do you nod along and then immediately Google it the second they walk away? Same. In this episode, Becky admits she still isn't totally sure what she has or doesn't have when it comes to retirement accounts, and Alex breaks it all down without making anyone feel behind. The Solution What a Roth IRA actually is and why Alex is obsessed with it (hint: the government doesn't get a cut)The difference between a Roth and a traditional account, explained in a way that finally makes senseWhy just opening the account isn't enough and the one step most beginners skipHSAs: the triple tax advantage account that most people scroll past during open enrollmentFSA vs. HSA, because yes, they are very different and one of them disappears if you don't use itThe income limits, contribution limits, and the deadline most people don't know exists This week's homework: Check your emergency fund, peek at your retirement accounts, and spend ten minutes learning one financial concept you've been avoiding. That's it. That's the whole assignment. Want to ask Alex your specific 401(k) questions live? Join us May 14th at 6pm in our Wallet Therapy Live session on Patreon → patreon.com/beckyhater Try Fidelity: https://fidelity.app.link/e/zN0pCpYeUZb Try Monarch: Get 50% off your first year → https://monarch.com/referral/ey3kkk8c7e Connect with us: Join the Live Therapy: Support the show and join our monthly live Q&As at patreon.com/beckyhayter.Share your story: Email us at info@forthehaters.com to have your financial scenario featured on the show!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    31 min
  3. Wallet Therapy: Free Money on the Table | The 401(k) Match You're Probably Missing

    7 May

    Wallet Therapy: Free Money on the Table | The 401(k) Match You're Probably Missing

    You make decent money. You're contributing something to your 401(k). You think you're good. But what if I told you there's free money sitting on the table — money your employer literally wants to give you — and most people have no idea they're walking away from it? This week on Wallet Therapy, Becky admits she spent years contributing 2% to her 401(k) and missing out on her full employer match (oof), and Alex breaks down the part of your paycheck you might not even know you're leaving behind. We get into: What an employer match actually IS (explained like you're five)Why this is step five on your money journey — and when it's okay to skip aheadThe "paycheck illusion" and why contributing $100 doesn't actually take $100 out of your checkRoth vs. Traditional 401(k) — and why Alex has strong feelings about itReal numbers: what starting at 20 vs. 30 vs. 40 vs. 50 actually looks like at retirementWhy it's NEVER too late to start (and the math to prove it) Your homework: Log into your 401(k) right now. Check your contribution percentage. Is it hitting your full employer match? If not, increase it today. That's it. That's the assignment. 🎟️ Want to ask Alex your specific 401(k) questions live? Join us May 14th at 6pm in our Wallet Therapy Live session on Patreon → patreon.com/beckyhater Try Monarch: Get 50% off your first year → https://monarch.com/referral/ey3kkk8c7e Connect with us: Join the Live Therapy: Support the show and join our monthly live Q&As at patreon.com/beckyhayter.Share your story: Email us at info@forthehaters.com to have your financial scenario featured on the show! See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    30 min

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About

For The Hayters is a space where vulnerability is met with strength, and real stories remind us we’re never alone. Hosted by a community of storytellers and listeners alike, this podcast dives into the personal journeys—both beautiful and brutal—that shape who we are. From life-changing challenges to moments of resilience, our guests open up about the experiences that have defined them, in hopes of connecting, healing, and inspiring others. Whether you’re here to feel seen, heard, or understood, this is your reminder: your story matters. beckyhayter.com

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