HerMoney with Jean Chatzky

With healthcare premiums expected to spike and enhanced ACA subsidies set to expire, millions of Americans may be facing a serious coverage crunch. In this timely episode of Your Money Map, Jean Chatzky is joined by retirement experts Marcia Mantell and Jae Oh to break down what’s really happening with the ACA, Medicare, and employer-sponsored insurance, and how you can protect your wallet. We dig into: How the government shutdown could impact Affordable Care Act subsidies The true cost of healthcare in 2026 Why open enrollment this year will be more complex than ever How to budget for Medicare premiums and unexpected expenses Strategies for using guaranteed income (like Social Security or annuities) to cover rising healthcare costs Tips to avoid scams, navigate robocalls, and make smart insurance choices The power of Health Savings Accounts (HSAs) and high-deductible plans 🔗 For more resources and tools from the Alliance for Lifetime Income, visit ProtectedIncome.org 📬 Sign up for their newsletter: protectedincome.org/subscribe 💬 Like what you hear? Leave us a 5-star review and share the episode with a friend! Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we’re giving you a first look inside our brand-new Patreon-exclusive Mailbag series — and this one’s powerful. A listener, a single mom of a toddler, just received a cancer diagnosis. She reached out with urgent questions about how to manage her finances during treatment: Are cancer insurance payouts taxable? Should she prioritize paying off IRS debt or building savings? How can she prepare for unpaid leave while focusing on recovery? Jean and Kathryn dig into it all,  from the tax treatment of cancer insurance to how to protect your money when life takes an unexpected turn. This episode is a preview of what’s waiting for you when you subscribe to our new HerMoney Patreon, where you’ll find: ✨ Deep-dive mailbags with Jean and Kathryn 📞 Call-in AMA mailbags with real listeners 🎧 Ad-free listening 🌙 “After Hours with HerMoney” — more daring, personal money conversations 👉 Join us at patreon.com/hermoney to unlock the full episodes and help shape the future of the show. Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens to everything you've worked so hard for — your home, your savings, your family memories — after you're gone? If your answer is “I’m not sure,” the time to start planning is now. In this empowering episode, Jean sits down with Heather Winston, Certified Financial PlannerTM professional of Principal Advised Services, LLC and Assistant Vice President at Principal Financial Group®, to talk all things estate planning; what it can really mean, why it matters, and how to get started, no matter your income level or family structure. Together, they unpack: Four key documents every adult should have (and when to update them) Why estate planning is a form of kindness to the people you love How to make tough conversations with aging parents, or your own kids, a little easier The often-overlooked importance of your digital estate How to leave a legacy of values, not just valuables Want help organizing your financial life or finding an estate planning attorney? Subscribe to the HerMoney newsletter at Hermoney.com/subscribe for resources, checklists, and more. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’ve ever felt intimidated walking into a meeting with a financial advisor or unsure if you’re even asking the right questions, this episode is for you. Jean sits down with Pam Krueger, investor advocate and founder of Wealthramp, to walk through actual word-for-word scripts that you can use when meeting with an advisor for the first time, reassessing a current relationship, or navigating retirement planning. Together, Jean and Pam role-play a variety of real-life money conversations: from figuring out if an advisor is a good fit, to asking about fees, to deciding whether you’re better off managing your own money. You’ll learn how to confidently evaluate the value your advisor brings, how to compare professionals during the interview process, and how to stress-test your financial plan for retirement. You’ll Learn: What to say (and ask!) in your very first advisor meeting How to know if it’s time to break up with your advisor The real value a good advisor should bring to your life The crucial questions to ask if retirement is on the horizon How to compare multiple advisors — without the overwhelm 👉 Visit HerMoney.com/FindAnAdvisor to connect with a vetted, fee-only fiduciary advisor through Wealthramp. Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re more financially informed than ever, thanks to FinTok, money podcasts, and yes, even chatbots. But when it comes to having real conversations about money with the people closest to us? We still freeze. This week, Jean sits down with Carl Richards — New York Times “Sketch Guy” columnist, CFP®, and author of the new book Your Money: Reimagining Wealth Through 101 Simple Sketches — to talk about why personal finance is more emotional than we think, and how to start the conversations we’ve been avoiding. In this episode, we cover: Why budgeting tools don’t fix emotional money problems How to align your spending with your values (without guilt) Why we underestimate our future financial needs Carl’s take on market volatility, retirement, and behavior-based investing Why your calendar and checkbook reveal your true priorities And how to talk about money with your partner, kids, or even yourself Resources: ✏️ Follow Carl on Instagram: @behaviorgap 🎨 Explore Carl’s sketches: behaviorgap.com 🧠 Join the HerMoney Patreon for exclusive bonus content: HerMoney Patreon Learn more about your ad choices. Visit megaphone.fm/adchoices

Jennifer, 47, lives in Maryland, with her partner of 12 years. She’s the Vice President of Communications for a consulting firm. Her partner is a teacher and voice actor, and together they make about $300,000 a year. In this week’s A Week In Her Wallet, Jennifer tracks seven days of spending that include thoughtful gift-giving, a haircut she happily budgets for, a hefty mortgage payment on her beach home, and a few well-earned indulgences. 💬 In this episode: How Jennifer manages separate finances in a long-term relationship Why she’s accelerating payments on her second home The emotional payoff of responsible splurging What she’s learned about aligning money with happiness If more financial confidence sounds good to you, then you might want to try… ⁠4-Week Coaching Program⁠: Identify and understand your spending, build a strategic plan, and take control of your money. ⁠6-Week Pre-Retirement Program⁠: We’ll help you prepare financially and emotionally for this exciting milestone. 📈⁠InvestingFixx⁠: Learn, connect, and start investing—your first month is completely free. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you been laid off, or are you worried you might be? This week, Jean is joined by Laura Brown (former Editor-in-Chief of InStyle) and Kristina O’Neill (former Editor-in-Chief of WSJ. Magazine), authors of the bold and unfiltered new book, All the Cool Girls Get Fired: How to Let Go of Being Let Go and Come Back on Top. Both women hit the top of their industries… and then got let go. Now, they’re helping other women, especially Gen Xers and those over 40, navigate layoffs, ageism, financial uncertainty, and the terrifying-but-liberating process of starting over. In this episode, we talk about: Why getting fired has nothing to do with your worth, and everything to do with changing industries How to handle that first day post-layoff (what not to sign, how to negotiate your severance) Smart money moves to make immediately, whether or not you have an emergency fund Tips for negotiating with credit card companies, cutting spending fast, and finding bridge income Choosing your next path: freelancing vs. going back to corporate Why women in midlife should challenge the shame and secrecy around job loss And the launch of their new community: The Cool Girl Network Resources: 💼 All the Cool Girls Get Fired — Buy the book 📲 Follow @allthecoolgirlsgetfired on Instagram and TikTok 🧠 Join our private HerMoney Facebook group: HerMoney Private Community Learn more about your ad choices. Visit megaphone.fm/adchoices

On this special HerMoney Mailbag episode, Jean Chatzky is joined by Morgan Housel, bestselling author of The Psychology of Money and The Art of Spending Money, to answer real questions from the HerMoney community.  From investing a lump sum at midlife to managing fear around paying off debt, Jean and Morgan dive into the emotions and strategy behind smart money moves. What You’ll Hear In This Episode: Should I use my savings to pay off credit cards or keep the cash for peace of mind? How to invest a $60,000 lump sum after divorce What to do with “extra” money once you’ve maxed out retirement accounts Why your risk tolerance matters more than market trends How your money personality can shape your decisions, for better or worse 🔗 Resources mentioned: 📚 Order The Art of Spending Money 📘 Read The Psychology of Money — a HerMoney community favorite 🗣️ Join the HerMoney Facebook group for more listener Q&As Have a question for us? Write to us (or send us a voice note!) at mailbag@hermoney.com.  While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Learn more about your ad choices. Visit megaphone.fm/adchoices

Morgan Housel, bestselling author of The Psychology of Money, is back with a brand-new book: The Art of Spending Money. In this episode, he sits down with Jean Chatzky to talk about what truly makes us feel fulfilled when we spend, and why we often get it wrong. Together, Jean and Morgan unpack the emotions that drive our financial behavior, from fear and guilt to FOMO and dopamine addiction. You’ll learn why saving money can become a harmful identity, how to redefine success beyond your bank account, and why the best moments in life usually aren’t the ones you buy. What You’ll Hear In This Episode: Why spending is an art, not a science How “happiness = reality minus expectations” can change your financial life What to do if you feel guilty about spending after saving for years How to break the cycle of spending for status or attention The simplest formula for a rich life: independence + purpose 📘Order Morgan’s new book, The Art of Spending Money 📚Get The Psychology of Money, a HerMoney community favorite 🗣️Join our Facebook group for more conversations with the HerMoney community If more financial confidence sounds good to you, then you might want to try… ⁠4-Week Coaching Program⁠: Identify and understand your spending, build a strategic plan, and take control of your money. ⁠6-Week Pre-Retirement Program⁠: We’ll help you prepare financially and emotionally for this exciting milestone. 📈⁠InvestingFixx⁠: Learn, connect, and start investing—your first month is completely free. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special HerMoney Mailbag episode, Jean Chatzky is joined by Yahoo Finance senior columnist and author Kerry Hannon — and she’s tackling your most pressing retirement questions. In this episode, Jean and Kerry dive into: Whether to cash out a paid-up life insurance policy How to invest in ESG funds without overpaying on fees What to look for in a financial advisor before you retire How to know if and when you’re truly ready to stop working And Kerry’s favorite tip from her new book Retirement Bites: how to design an ideal week in retirement 🔗 Resources mentioned: InvestingFixx.com (Jean’s investing club — first month is free!)Find a Fee-Only Financial Advisor through WealthrampKerry’s site: kerryhannon.com Have a question for us? Write to us (or send us a voice note!) at mailbag@hermoney.com.  While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Learn more about your ad choices. Visit megaphone.fm/adchoices