For The Hayters: The Stories We Survive

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For The Hayters: The Stories We Survive 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. Jul 30

    Wallet Therapy: Investing Isn't an Exclusive Club

    For the longest time I thought investing was a members only club and nobody sent me the invite. People would say things like index fund and expense ratio and diversification, and I would smile and nod like I had any idea what was happening. Spoiler: I did not. This week Alex walks me through the whole thing from the very beginning, and it turns out the scary part was never the math. It was just the vocabulary. The Solution Saving vs investing. Saving is parking your car in the garage. Investing is sending your money out to get a full time job. They aren't competing, they're doing two different things. Stocks vs bonds. Buying stock means owning a tiny piece of a company. Buying a bond means lending money and collecting interest. Owning part of a bakery vs lending the bakery money. Why Alex loves index funds. Instead of betting on one football player, you buy the whole team. Roughly 90 percent of professional fund managers fail to beat the S&P 500 over a ten year period, which means the pros usually lose to the thing you can just buy yourself. ETFs vs mutual funds. Both are baskets of investments. Mutual funds price once at the end of the trading day and often have minimums. ETFs trade all day like a stock and are usually easier to start with. The real cost of an advisor. Alex runs the numbers on $500 a month over 30 years. No advisor and low cost index funds gets you about $1.1 million. Add a 1 percent advisor fee plus 1 percent in actively managed funds and you hand over nearly $400,000. The question isn't does my advisor charge a fee. It's am I getting enough value to justify it. The investing dictionary. Diversification, compound growth, dividends, expense ratios, and dollar cost averaging, all in plain English. Plus a listener question from someone who hasn't filed taxes in ten years after a terminal diagnosis they thankfully survived. Alex explains exactly where to start, and it's less scary than you think. This week's homework Do one thing. If you don't invest, open an account. If you already invest, log in and look at what you actually own. Can you explain it in one sentence? If you can't, go learn one thing about it. Progress over perfection. Connect with us Join the Patreon for episodes early plus Wallet Therapy Live: patreon.com/beckyhayter Got a question or a money confession? info@forthehaters.com Track it all in one place with Monarch Money: https://monarch.com/referral/ey3kkk8c7e See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    Wallet Therapy: Investing Isn't an Exclusive Club
  2. Jul 26

    A Small-Town Social Worker, Court, Addiction at Home, and the Year Her Word Was Survive

    TW: This episode discusses secondary trauma, child abuse and neglect, substance use and addiction, overdose loss, suicidal ideation, stalking, and a mention of gun violence. Morgan is a social worker and therapist in the same small town she grew up in. She testifies in court about things clients told her in a room they believed was private, she carries a caseload of names she already knows, and for one stretch of her life the hardest year of her job ran at the exact same time as the hardest year of her marriage. We talk about what it costs to be the only person everyone assumes is fine. For The Hayters is a podcast that normalizes hard conversations. Listener discretion is advised. If you are struggling, you can call or text 988 in the US to reach the Suicide and Crisis Lifeline. Interview, narration, and editing by Becky Hayter, with post-production, scripting, and sound design by Emily Nadal. Don’t forget to subscribe, like, and share to help us continue bringing these stories to light.  🔹 New episodes drop every Monday!  🔹 Join our community! patreon.com/beckyhayter 🔹 Follow us on Instagram: @forthehayters  🔹 Submit your story: info@forthehayters.com  🔹 Grab some merch! beckyhayter.com  🔹 A KILLR Network podcast! killrentertainment.com See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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For The Hayters: The Stories We Survive 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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