83 episodes

As a PhD (in training), you face unique money challenges that stem from your low stipend/salary during your years of graduate school and postdoc training. Listen here for the hard-won financial wisdom of your fellow graduate students, postdocs, and PhDs with Real Jobs. From budgeting and frugality to investing and debt repayment, this podcast is your higher education in personal finance.

Personal Finance for PhDs Emily Roberts

    • Courses
    • 5.0, 18 Ratings

As a PhD (in training), you face unique money challenges that stem from your low stipend/salary during your years of graduate school and postdoc training. Listen here for the hard-won financial wisdom of your fellow graduate students, postdocs, and PhDs with Real Jobs. From budgeting and frugality to investing and debt repayment, this podcast is your higher education in personal finance.

    How This Grad Student Navigated a Broken Engagement in a High Cost-of-Living City

    How This Grad Student Navigated a Broken Engagement in a High Cost-of-Living City

    In this episode, Emily interviews Tina Del Carpio, a third-year PhD student at the University of California at Los Angeles in ecology and evolutionary biology. Tina chose their PhD program in Los Angeles in no small part because their fiance's career was tied to the city. However, when they moved in with him and started planning the wedding, cracks began to form in the relationship. When they broke up, Tina had to figure out how to extricate themself from their shared apartment and yours-mine-and-ours

    • 30 min
    How This Grad Student Fellow Invests for Retirement and Pays Quarterly Estimated Tax

    How This Grad Student Fellow Invests for Retirement and Pays Quarterly Estimated Tax

    In this episode, Emily interviews Lucy Capano, a rising fourth-year PhD student at Washington University in St. Louis. Since she started her graduate program, Lucy has been funded by a non-W-2 fellowship and training grant, which has affected her financial practices of retirement investing and paying income tax. Lucy and Emily discuss what changed for 2020 to permit fellowship recipients like Lucy to use an IRA and how Lucy handles calculating, saving for, and paying quarterly estimated tax to the IRS.

    • 30 min
    This PhD Got a Late Start Financially But Is on Track to Retire Early

    This PhD Got a Late Start Financially But Is on Track to Retire Early

    In this episode, Emily interview Dr. Sean Sanders, Director and Senior Editor for Custom Publishing for the journal Science and Program Director for Outreach. Sean came to the US for a postdoc position with little savings. Living in the DC area on a postdoc salary was financially challenging; he didn’t start to make real progress with his finances until he left his postdoc for an industry job, which more than doubled his salary. Sean and Emily discuss the strategies he has used to build wealth in the last

    • 44 min
    Learn from This Professor's Nightmarish Home Ownership Journey

    Learn from This Professor's Nightmarish Home Ownership Journey

    In this episode, Emily interviews Dr. Kevin Jennings, a professor of Criminal Justice and Criminology at Georgia Southern University in Savannah, Georgia. Kevin and his wife bought a home in Savannah shortly after he started his position, and the house has proven to be a money pit. Kevin catalogues all that has gone wrong with the house, what he wishes he would have known as a first-time home buyer, and the lessons he's learned the hard way.

    • 36 min
    How Work Experience Outside Academia Can Bolster Your Academic and Non-Academic Career

    How Work Experience Outside Academia Can Bolster Your Academic and Non-Academic Career

    In this episode, Emily interviews Dr. Gillian Hayes, the Vice Provost for Graduate Studies and Dean of the Graduate Division at UC Irvine. Throughout her career as a computer scientist, Gillian has moved back and forth between roles in academia and industry; she argues that the division between the two is more porous than is commonly perceived inside academia and should become even more so for PhDs. Gillian consulted and completed internships as a PhD student and engaged in an even broader range of side

    • 40 min
    This Postdoc Has a System for Debt Repayment That You Can Follow as Well

    This Postdoc Has a System for Debt Repayment That You Can Follow as Well

    In this episode, Emily interviews Dr. Suba Narasimhan, a postdoctoral fellow at Emory University. Suba and her husband each brought debt into their marriage, and once they both had full incomes, they decided to tackle it together. Suba presents a step-by-step plan for anyone at the start of a debt repayment journey. Emily and Suba discuss in detail how to handle credit card debt, including whether to pay credit cards off with student loans or 0% interest promotional credit cards.

    • 44 min

Customer Reviews

5.0 out of 5
18 Ratings

18 Ratings

Nick Vulpescu ,

Super helpful!

The host is very passionate about the subject! She has put work into building a community and her website is a great resource for grad students. When I was interviewing for different programs, I made sure to pass the website on to anyone who would listen

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