The Money with Katie Show

Got friends or family interested in investing but don't know where to start or are scared of the risk? Katie and Henah chat through the hesitations they each experienced on their investing journeys, how their own friends empowered them to start, and how they mitigated risk as much as possible.And a reminder, as always: This is not financial advice, and past performance is not indicative of future returns.Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on our Instagram (@moneywithkatie). New episodes every week.—Mentioned in the Episode: How Money Anxiety Can Help Build Wealth: https://podcast.moneywithkatie.com/how-your-money-anxiety-might-actually-help-build-wealth/ S&P Has Never Lost Money Over 30-Year Periods: https://fourpillarfreedom.com/heres-how-the-sp-500-has-performed-since-1928 Rationality by Steven Pinker: https://bookshop.org/a/90396/9780525562016 The Starter Home Myth: https://www.youtube.com/watch?v=hZl_UpgMsPs —Read Money with Katie: https://moneywithkatie.com/Follow Money with Katie!Instagram - https://www.instagram.com/moneywithkatieTwitter - https://twitter.com/moneywithkatieTikTok - https://www.tiktok.com/@moneywithkatie Learn more about your ad choices. Visit megaphone.fm/adchoices

The biggest money question we have is usually: How do I enjoy my life now and plan for enjoying it later? If we go too far in either direction, we're sacrificing the quality of our lives at one point or another.So does the “perfect” save rate exist that optimizes for both now and the future? And if so, what is the ideal percentage of our income to save that would work for most people, most of the time? Here's the number I landed at, and why.Transcripts can be found at podcast.moneywithkatie.com—Mentioned in the Episode Save Rate Spreadsheet [Make a copy!]: https://docs.google.com/spreadsheets/d/1rTlDhv2GGRUczBF_1W0PX_OCxKFNR9ZZp78EKpP2KTc/edit?usp=sharing Why Hitting "Half FI" is More Like 75%: https://moneywithkatie.com/blog/why-hitting-half-fi-is-more-like-75 Money with Katie Wealth Planner with the Financial Independence Calculator: https://moneywithkatie.com/new-2023-wealth-planner —Follow Along at Money with Katie: https://moneywithkatie.com/Watch on YouTube: https://www.youtube.com/@MoneywithKatieFollow Money with Katie!- Instagram: https://www.instagram.com/moneywithkatie/- Twitter: https://twitter.com/moneywithkatie Subscribe to The Money with Katie Newsletter- Sign up for free today: https://www.morningbrew.com/money-with-katie/subscribe/2Follow the Brew!- Instagram: https://www.instagram.com/morningbrew/- Twitter: https://twitter.com/MorningBrew- TikTok: https://www.tiktok.com/@morningbrew Learn more about your ad choices. Visit megaphone.fm/adchoices

You're out with friends and only order a $10 salad and water. Meanwhile, they each get expensive entrees and drinks. What's the least awkward way to split the bill? And how can we avoid this situation from happening over and over again?Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.—Read Money with Katie: https://moneywithkatie.com/Follow Money with Katie!Instagram - https://www.instagram.com/moneywithkatieTwitter - https://twitter.com/moneywithkatieTikTok - https://www.tiktok.com/@moneywithkatie Learn more about your ad choices. Visit megaphone.fm/adchoices

The only thing worse than a post-pandemic rental market? A post-pandemic buyer’s market. I sat down with Zillow’s Head of Rentals Communication to talk about how the rental market has evolved over the last three years, and the one variable that might just make buying your home right now worth it. Plus, I share the numbers and rationale behind our own decision to continue renting near Sacramento, California.What are your considerations when picking a place to live? How are you making the rent vs. buy decision in 2023? Email us at moneywithkatie@morningbrew.com.Transcripts can be found at podcast.moneywithkatie.com—Mentioned in the Episode Rent vs. Buy in a High Interest Rate Environment: https://podcast.moneywithkatie.com/the-rent-vs-buy-decision-in-2022s-interest-rate-environment-and-lofty-market/ Housing Affordability is at an Historic Low: https://thehill.com/business/3881539-housing-affordability-hits-historic-low/ Average Closing Costs, per Rocket Mortgage: https://www.rocketmortgage.com/learn/closing-costs Average 30-Year Fixed Rate (updated daily): https://www.bankrate.com/mortgages/mortgage-rates/ —Follow Along at Money with Katie: https://moneywithkatie.com/Watch on YouTube: https://www.youtube.com/@MoneywithKatieFollow Money with Katie!- Instagram: https://www.instagram.com/moneywithkatie/- Twitter: https://twitter.com/moneywithkatie Subscribe to The Money with Katie Newsletter- Sign up for free today: https://www.morningbrew.com/money-with-katie/subscribe/2Follow the Brew!- Instagram: https://www.instagram.com/morningbrew/- Twitter: https://twitter.com/MorningBrew- TikTok: https://www.tiktok.com/@morningbrew Learn more about your ad choices. Visit megaphone.fm/adchoices

Does "ethical landlordship" exist, and if so, what does it look like? What are the bigger questions or factors at play here, including the issues with short- vs. long-term rentals, housing policy, and achieving economies of scale?Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.—Mentioned in the Episode: 1/5 of homes going to investors: https://www.axios.com/2022/02/18/investors-homes-wealth-families The hole in Henah's ceiling: https://ibb.co/f444DJF When NYC had more Airbnbs than apartments available: https://www.curbed.com/2022/05/new-york-more-airbnb-listings-apartments-rentals.html The Homeownership Society was a Mistake by Jerusalem Demsas: https://www.theatlantic.com/newsletters/archive/2022/12/homeownership-real-estate-investment-renting/672511/ How San Francisco Makes it Insanely Hard to Build Housing: https://sfstandard.com/2022/09/13/how-san-francisco-makes-it-insanely-hard-to-build-housing/ Los Angeles' residential segregation: https://www.latimes.com/opinion/story/2021-09-10/racial-covenants-los-angeles-pioneered —Read Money with Katie: https://moneywithkatie.com/Follow Money with Katie!Instagram - https://www.instagram.com/moneywithkatieTwitter - https://twitter.com/moneywithkatieTikTok - https://www.tiktok.com/@moneywithkatie Learn more about your ad choices. Visit megaphone.fm/adchoices

If we have access to more convenience than ever before, why does life still feel so frenetic and busy? Achieving a more leisurely pace (and indulgent lifestyle) comes down to a few key choices, it turns out—and fortunately, they don’t need to be expensive.I chat about romanticizing your life and the European approach to leisure with our guest, Melissa Jean-Baptiste of Millennial in Debt (@millennialindebt), and cover some ways to approach slow living in three key areas of our lives that offer the biggest ROI for happiness.Transcripts can be found at podcast.moneywithkatie.com.—Mentioned in the Episode Melissa Jean-Baptiste's book, So This Is Why I'm Broke: https://sothisiswhyimbroke.com/ Kylie Jenner purchasing a Cartier is the same as me proportionally buying a cold brew: https://www.instagram.com/p/CiIF_g3O8Fe/ Finding & Funding a Good Life, from PWL Capital: https://www.pwlcapital.com/wp-content/uploads/2022/05/2022-04-25_PWL_WP_Felix_Finding_and_Funding_Good_Life_NoImages-2.pdf How beautiful spaces affect our health: https://resources.wellcertified.com/articles/why-beautiful-spaces-make-us-healthier/ The health benefits of living in or near nature: https://www.takingcharge.csh.umn.edu/how-does-nature-impact-our-wellbeing Eating in groups makes your food taste better: https://www.foodnavigator.com/Article/2016/02/29/Eating-in-groups-makes-food-taste-better-study-believes —Follow Along at Money with Katie: https://moneywithkatie.com/Watch on YouTube: https://www.youtube.com/@MoneywithKatieFollow Money with Katie!- Instagram: https://www.instagram.com/moneywithkatie/- Twitter: https://twitter.com/moneywithkatie Subscribe to The Money with Katie Newsletter- Sign up for free today: https://www.morningbrew.com/money-with-katie/subscribe/2Follow the Brew!- Instagram: https://www.instagram.com/morningbrew/- Twitter: https://twitter.com/MorningBrew- TikTok: https://www.tiktok.com/@morningbrew Learn more about your ad choices. Visit megaphone.fm/adchoices

Listener Jamie F. posed the question: "What is deservingness? How does the idea of having 'earned it' play into our perceptions of other people's wealth versus those who we deem unworthy of their success?"Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.—Mentioned in the EpisodeNick Maggiulli on luck and investment results: https://ofdollarsanddata.com/bad-investment-results-your-birth-year-may-be-to-blame/ —Read Money with Katie: https://moneywithkatie.com/Follow Money with Katie!Instagram - https://www.instagram.com/moneywithkatieTwitter - https://twitter.com/moneywithkatieTikTok - https://www.tiktok.com/@moneywithkatie Learn more about your ad choices. Visit megaphone.fm/adchoices

Ignore the advice to buy and hold at your own peril. This research-rich deep dive unpacks the ways in which your biggest investing hurdle…is yourself (and 3 tangible tactics for overcoming!).Transcripts can be found at podcast.moneywithkatie.com.—Mentioned in the Episode Money with Katie on how the average 10% might not happen in the future due to overpriced assets: https://moneywithkatie.com/blog/why-do-people-say-stocks-are-overvalued-right-now Dalbar's Quantitative Analysis of Investor Behavior: https://wealthwatchadvisors.com/wp-content/uploads/2020/03/QAIB_PremiumEdition2020_WWA.pdf Money with Katie 2023 Wealth Planner: https://moneywithkatie.com/new-2023-wealth-planner How to Diversify Outside of the Total Stock Market: https://podcast.moneywithkatie.com/how-to-construct-a-diversified-stock-portfolio-of-major-index-funds/ Why You Shouldn't Try to Time The Market: https://moneywithkatie.com/blog/why-you-shouldnt-try-to-time-the-market JP Morgan Asset Management Analysis Graph on Impact of Being Out of the Market: https://am.jpmorgan.com/us/en/asset-management/adv/insights/retirement-insights/guide-to-retirement/guide-to-retirement-slides/guide-to-retirement-investing/gtr-impact/ —Follow Along at Money with Katie: https://moneywithkatie.com/Watch on YouTube: https://www.youtube.com/@MoneywithKatieFollow Money with Katie!- Instagram: https://www.instagram.com/moneywithkatie/- Twitter: https://twitter.com/moneywithkatie Subscribe to The Money with Katie Newsletter- Sign up for free today: https://www.morningbrew.com/money-with-katie/subscribe/2Follow the Brew!- Instagram: https://www.instagram.com/morningbrew/- Twitter: https://twitter.com/MorningBrew- TikTok: https://www.tiktok.com/@morningbrew Learn more about your ad choices. Visit megaphone.fm/adchoices

How do I transition my long-term brokerage account to a shorter-term savings goal, like a house? That’s the question we’re unpacking on this week’s episode of Rich Girl Roundup. I even called in the big guns (a friend who happens to be a CFP and wealth manager) to weigh in.Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.—Read Money with Katie: https://moneywithkatie.com/Follow Money with Katie!Instagram - https://www.instagram.com/moneywithkatieTwitter - https://twitter.com/moneywithkatieTikTok - https://www.tiktok.com/@moneywithkatie Learn more about your ad choices. Visit megaphone.fm/adchoices

One in six people globally is affected by infertility—and that means getting pregnant can be expensive. Today, we'll talk about the different types of fertility treatments available like IUI and IVF, how to budget for those costs, and some of the ethical implications of the topic at large.We'll also be joined by Arielle Bogorad, the SVP of Employer Market Strategy at Progyny, an organization offering comprehensive fertility and family building benefits to more than 5M people across the United States. She'll share more on how to navigate the US healthcare system, what to ask your insurance providers, and how we can advocate for inclusive coverage at a policy level.Learn more about our sponsor, Vin Social: https://www.vinsocial.vipTranscripts can be found at podcast.moneywithkatie.com.—Mentioned in the Episode 1 in 6 people affected by infertility globally: https://www.who.int/news/item/04-04-2023-1-in-6-people-globally-affected-by-infertility Fertility treatment coverage in 2023: https://www.kff.org/womens-health-policy/issue-brief/coverage-and-use-of-fertility-services-in-the-u-s/ 80% of patients who've undergone fertility treatments say it's negatively impacted their finances: https://www.lendingtree.com/personal/fertility-treatments-survey 2011 survey on fertility treatment costs: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3043157/ The cost of IUI, per FertilityIQ: https://www.fertilityiq.com/iui-or-artificial-insemination/the-cost-of-iui#components-of-iui-cycle-cost The costs of fertility treatments today, per Forbes Health: https://www.forbes.com/health/family/how-much-does-ivf-cost/ Stats on adoption from the Department of Health and Human Services: https://www.ccainstitute.org/resources/fact-sheets The costs of adoption, per Nerdwallet: https://www.nerdwallet.com/article/finance/adoption-cost Resolve.org from the National Infertility Association: https://resolve.org/take-action/our-issues/ Fertility treatment grants: https://resolve.org/learn/financial-resources-for-family-building/fertility-treatment-scholarships-and-grants/ IVF lotteries: https://www.verywellfamily.com/how-to-enter-an-ivf-contest-or-lottery-1960052 Family building loans and financing plans: https://resolve.org/learn/financial-resources-for-family-building/financing-programs-for-fertility-treatment/ Shared risk IVF clinics: https://bundlfertility.com/blog/how-shared-risk-ivf-makes-fertility-care-affordable/ Aura Finance x Noula event on fertility and pregnancy: https://www.youtube.com/watch?v=6GugaVKAwg0 Setting up for medium-term goals: https://podcast.moneywithkatie.com/how-to-set-up-money-management-systems-for-short-term-long-term-goals/ —Follow Along at Money with Katie: https://moneywithkatie.com/Watch on YouTube: https://www.youtube.com/@MoneywithKatieFollow Money with Katie!- Instagram: https://www.instagram.com/moneywithkatie/- Twitter: https://twitter.com/moneywithkatie Subscribe to The Money with Katie Newsletter- Sign up for free today: https://www.morningbrew.com/money-with-katie/subscribe/2Follow the Brew!- Instagram: https://www.instagram.com/morningbrew/- Twitter: https://twitter.com/MorningBrew- TikTok: https://www.tiktok.com/@morningbrew Learn more about your ad choices. Visit megaphone.fm/adchoices