HerMoney with Jean Chatzky

You know those people on Instagram who are always traveling to fabulous places, making you wonder how they afford it, and why you aren’t doing the same thing? This week we’re getting all of the answers — and travel savings secrets — from Rachel Rudwall, an Emmy-nominated on-camera host and producer, who has traveled to all seven continents, lived in three countries and journeyed through nearly 70 nations — all on a limited budget. She’s got millions of airline miles and she knows how to use them. In Mailbag, pensions and other retirement savings strategies. Learn more about your ad choices. Visit megaphone.fm/adchoices

What has held you back in your career, or with your money? Maybe you were scared — of what would happen, of failure, of the reaction of the people you know and love. Although getting over fear may be a goal, there's another way: You could do it scared. So says our guest Ruth Soukup, author of “Do It Scared: Finding the Courage to Face Your Fears, Overcome Adversity, and Create a Life You Love.”  She walks us through how and why it works. In Mailbag, where to build your savings to buy your first home and why we have many credit scores. Learn more about your ad choices. Visit megaphone.fm/adchoices

Entrepreneur coach Ali Brown on how to stand out online and position yourself as a ‘category of one.’ How to understand tall poppy syndrome, avoid excellence burnout and master the 80/20 rule with your time. Then, in Mailbag, how to create a budget in retirement, when young adults should get their first credit cards and how one woman can approach the guilt associated with financial success. Learn more about your ad choices. Visit megaphone.fm/adchoices

You’re trying to save more money, but can’t find the spare change, or maybe you’re trying to stop snacking at 4pm, but reach for the cookie like clockwork. The latter was exactly what was happening to Charles Duhigg, and he was so eager to break his own bad habits, he went on to become an expert in changing our behavior with his bestsellers, “The Power of Habit” and “Smarter Faster Better.” We explore the psychology behind habit formation and discuss solutions for long-term behavior modifications. In Mailbag, we go over how to choose a Roth IRA, a financial planner and how to start investing with your kids. Learn more about your ad choices. Visit megaphone.fm/adchoices

“Do you want kids?” Like it or not, it’s a question you’ve probably been asked (many times). No matter what your answer is, having a baby costs about $11,000, and that’s without complications. Run into fertility issues, and solutions can run into the thousands. Enter FemTech: Companies and products that are looking to tackle fertility, like Ava, a wearable fertility tracker.Ava’s co-founder and president, Lea von Bidder, discusses all things fertility, including the emotional and financial costs. In Mailbag, incorporating tax diversification into retirement planning, fixing errors on our credit reports and understanding our credit scores. Learn more about your ad choices. Visit megaphone.fm/adchoices

What's your most limited resource? Money? It might feel that way, but the real answer is time. You can earn more money. You can't get more hours or minutes or seconds...or years. The latter — particularly as it relates to compound interest, giving your money time to grow — is just one of the things we dive into with Grant Sabatier, a leader of the "Financial Independence, Retire Early" (FIRE) movement, and author of “Financial Freedom.” In Mailbag, does going to a more expensive college mean more success? Plus: How to tackle crippling credit card debt. Learn more about your ad choices. Visit megaphone.fm/adchoices

Whether you're reading the list of Fortune 500 CEOs and board members, or a roster of members of Congress, the lack of women in numbers is hugely apparent. It provided the impetus for Laura to start her “She Said / She Said” podcast and this week we're digging into how to bridge the gap — for ourselves and for society as a whole. In Mailbag, fraud alerts vs. credit freezes, and how to say, “no, thank you,” to buying into all of your friends’ side hustles. Learn more about your ad choices. Visit megaphone.fm/adchoices

Erin Lowry on her book, “Broke Millennial Takes On Investing: A Beginner's Guide to Leveling Up Your Money.” She did the legwork on everything from opening accounts (what kind?), figuring out what to put in them (stocks, bonds, funds?), how to invest when you want to make an impact in the world and more. In Mailbag: How to handle a rental property that’s underwater, and financial tradeoffs (invest or pay down the mortgage?). Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, we're talking with Mika Brzezinski, co-host of Morning Joe and founder of Know Your Value, and Daniela Pierre-Bravo, her Morning Joe producer. The two discuss their book, “EARN IT! Know Your Value and Grow Your Career, in Your 20s and Beyond,” inspired by Daniela's journey from DACA recipient/DREAMer, struggling to pay her way through college, to NYC success. It involves Greyhound busses, resume fibs, and great advice for positioning yourself to rise in any career. In Mailbag: Can you put a price on happiness and Roth 401(k)s? Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions on the documentation needed for purchasing a home and the decision to tap into an IRA before retirement. Also, how to find the right financial planner, how to approach paying off six-figure student debt and when to pull money from your savings for your investments. Learn more about your ad choices. Visit megaphone.fm/adchoices