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 2

    Wallet Therapy: Would You Rather: The Money Edition

    We got Alex and me in the same room for once, in New Jersey for Bex's birthday, and instead of yip-yapping about numbers and the hard stuff, we decided to play a game. Would You Rather, money edition. I thought we'd disagree on everything. Turns out our answers surprised even us. The catch with Would You Rather is that it feels like there's always an obvious answer, until you actually have to pick. And Alex's analytical brain wanted to ask ten clarifying questions per round, which, honestly, fair. The Solution: Money vs. meaning. $300K at a job you don't love or $90K doing work you adore? We get into why your job doesn't have to fulfill your soul, and why chasing that nearly wrecked me. The dream house myth. Both of us would have said dream house five years ago. After actually living in one, we both went a different way. Turns out house poor is a real thing. Time vs. money. Fridays off forever or a 20% raise? This is where the sisters split, and it comes down to how close each of us is to financial freedom. Retirement, memories, and the college question. Retire at 50 or work until 70 at a job you love? Fund your kid's college or your own retirement? We land somewhere that might surprise you. This one is less a lesson and more a window into how two people with very different money brains actually make decisions. Play along at home. This week's homework: Pick a few of these questions and ask your partner, a friend, or a family member. Then really dig into how they got to their answer. Money isn't just numbers, it's priorities and the kind of life you want to support. Let us know where you landed, and whether you fully disagreed with us. Connect with us: Join the Hayters on Patreon for early access, our Wallet Therapy lives, and direct access to Alex on Discord: patreon.com/beckyhayter Questions, debates, or money confessions: info@forthehaters.com Love you, mean it. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    Wallet  Therapy: Would You Rather: The Money Edition
  2. Jun 18

    Wallet Therapy: So How Much Do I Actually Need to Retire?

    Retirement is one of those topics everyone throws numbers at you about. You need a million dollars. You should have six times your salary saved by 50. You should be maxing everything out. And honestly? It makes me want to close Instagram and pretend retirement doesn't exist. But here's what Alex helped me understand this week: avoiding it doesn't make the problem smaller. It just makes it harder to fix later. So we're actually digging in. The Solution: Start now, not "when you make more." A $500/month contribution at 8% gets you $1.75M if you start at 25, but only $745K if you wait until 35. Same money. The difference is time. Know your real number. The 80% rule and the 4% rule are starting points, not gospel. We walk through what they actually mean and why your number is more situational than the internet wants you to believe. Build from multiple buckets. 401(k)s, Roth IRAs, traditional IRAs, HSAs, brokerage accounts, Social Security. The strongest plans pull from different tax buckets so you have flexibility later. Avoid the five big mistakes. Waiting for the perfect time, skipping your employer match, staying in cash too long, ignoring healthcare costs, and assuming Social Security alone will carry you. Plus, we answer a listener question from Emma, who paid off $170K in student loans and wants to know how to prioritize everything at once. Her situation is a masterclass in juggling goals. This week's homework: Take 10 minutes to check your retirement accounts, your contribution rates, and your employer benefits. That's it. Awareness is always the first step. 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!Love you, mean it. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    Wallet Therapy: So How Much Do I Actually Need to Retire?

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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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