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    <title>The Money School</title>
    <link>https://moneynewsnetwork.com/</link>
    <language>en</language>
    <copyright>2024 Money News Network</copyright>
    <description>The Money School is your one-stop-feed for all of the most foundational episodes of the award-winning financial advice podcast Money Rehab hosted by New York Times Bestselling author Nicole Lapin.</description>
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      <title>The Money School</title>
      <link>https://moneynewsnetwork.com/</link>
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    <itunes:type>episodic</itunes:type>
    <itunes:subtitle></itunes:subtitle>
    <itunes:author>Money News Network</itunes:author>
    <itunes:summary>The Money School is your one-stop-feed for all of the most foundational episodes of the award-winning financial advice podcast Money Rehab hosted by New York Times Bestselling author Nicole Lapin.</itunes:summary>
    <content:encoded>
      <![CDATA[<p>The Money School is your one-stop-feed for all of the most foundational episodes of the award-winning financial advice podcast Money Rehab hosted by New York Times Bestselling author Nicole Lapin.</p>]]>
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    <itunes:owner>
      <itunes:name>Money News Network</itunes:name>
      <itunes:email>morgan@moneynewsnetwork.com</itunes:email>
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    <itunes:category text="Business">
      <itunes:category text="Investing"/>
    </itunes:category>
    <itunes:category text="Education">
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      <title>Nicole's Cheat Sheet to Reading Stock Charts</title>
      <description>Today, Nicole breaks down all stock market lingo you need to decode investments —like market cap, and P/E ratio—and shows you how they actually work in real-life trading, using a deep dive into a real example of a stock that got... weird. 

You'll learn how to spot a stock’s highs, lows, and everything in between… plus why relying on just one type of analysis (technical OR fundamental) is like trying to fly a plane with one wing.</description>
      <pubDate>Mon, 20 Apr 2026 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Today, Nicole breaks down all stock market lingo you need to decode investments —like market cap, and P/E ratio—and shows you how they actually work in real-life trading, using a deep dive into a real example of a stock that got... weird. 

You'll learn how to spot a stock’s highs, lows, and everything in between… plus why relying on just one type of analysis (technical OR fundamental) is like trying to fly a plane with one wing.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Today, Nicole breaks down all stock market lingo you need to decode investments —like market cap, and P/E ratio—and shows you how they actually work in real-life trading, using a deep dive into a real example of a stock that got... weird. </p>
<p>You'll learn how to spot a stock’s highs, lows, and everything in between… plus why relying on just <em>one</em> type of analysis (technical OR fundamental) is like trying to fly a plane with one wing.</p>]]>
      </content:encoded>
      <itunes:duration>1035</itunes:duration>
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      <title>Should You Quit Your Job? Here's The Formula from Nicole Walters</title>
      <description>This episode checks all of the boxes. Want the secret sauce to being a bigger player at your company? Check. Are you thinking about starting your own thing and want the formula to determine whether you can leave your job behind? Check. Are you raising kiddos and want help teaching them the value of a dollar? Check, check and check. The reason this episode has everything is because it features the incredible and wise entrepreneur Nicole Walters. And when the Nicoles get together, they leave no stone unturned.</description>
      <pubDate>Mon, 13 Apr 2026 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This episode checks all of the boxes. Want the secret sauce to being a bigger player at your company? Check. Are you thinking about starting your own thing and want the formula to determine whether you can leave your job behind? Check. Are you raising kiddos and want help teaching them the value of a dollar? Check, check and check. The reason this episode has everything is because it features the incredible and wise entrepreneur Nicole Walters. And when the Nicoles get together, they leave no stone unturned.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This episode checks all of the boxes. Want the secret sauce to being a bigger player at your company? Check. Are you thinking about starting your own thing and want the formula to determine whether you can leave your job behind? Check. Are you raising kiddos and want help teaching them the value of a dollar? Check, check and check. The reason this episode has everything is because it features the incredible and wise entrepreneur Nicole Walters. And when the Nicoles get together, they leave no stone unturned.</p>]]>
      </content:encoded>
      <itunes:duration>2181</itunes:duration>
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      <title>The Truth about Tax Refunds</title>
      <description>We know you probably love getting your tax refund, but news flash: you shouldn’t. Today, Nicole explains.</description>
      <pubDate>Mon, 06 Apr 2026 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7d356a72-1153-11f1-8027-eb874a98180e/image/a6af6b01be2ead3115b96bc3a51aede1.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>We know you probably love getting your tax refund, but news flash: you shouldn’t. Today, Nicole explains.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>We know you probably love getting your tax refund, but news flash: you shouldn’t. Today, Nicole explains.</p>]]>
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      <itunes:duration>624</itunes:duration>
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      <title> Roth Conversions: The Tax Move That Could Save You Hundreds of Thousands in Retirement</title>
      <description>Today on The Money School, Nicole tackles one of the most powerful — and most misunderstood — plays in retirement planning: the Roth conversion. Moving money from a traditional IRA to a Roth IRA can save you a staggering amount in taxes over the course of your retirement, but get it wrong and you're stuck with an unnecessary tax bill you can't undo.

Nicole breaks down exactly what a Roth conversion is, who it makes the most sense for, and the specific scenarios where the math is overwhelmingly in your favor. She walks through how to actually execute one on Fidelity, Schwab, and Vanguard step by step, and explains the IRS rules that trip people up — including the pro-rata rule, the five-year holding clock, and why conversions are now permanent with no take-backs.

Then Nicole gets into the strategies high earners need to know: the backdoor Roth, the mega backdoor Roth, and why 2026 is an especially strategic window to act given the tax brackets locked in by the One Big Beautiful Bill Act.</description>
      <pubDate>Fri, 03 Apr 2026 20:59:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e8529752-2f9f-11f1-88ca-b7891e83bf0c/image/76ae3b71860a7c0c92b0a9eab7d958ed.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Today on The Money School, Nicole tackles one of the most powerful — and most misunderstood — plays in retirement planning: the Roth conversion. Moving money from a traditional IRA to a Roth IRA can save you a staggering amount in taxes over the course of your retirement, but get it wrong and you're stuck with an unnecessary tax bill you can't undo.

Nicole breaks down exactly what a Roth conversion is, who it makes the most sense for, and the specific scenarios where the math is overwhelmingly in your favor. She walks through how to actually execute one on Fidelity, Schwab, and Vanguard step by step, and explains the IRS rules that trip people up — including the pro-rata rule, the five-year holding clock, and why conversions are now permanent with no take-backs.

Then Nicole gets into the strategies high earners need to know: the backdoor Roth, the mega backdoor Roth, and why 2026 is an especially strategic window to act given the tax brackets locked in by the One Big Beautiful Bill Act.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Today on The Money School, Nicole tackles one of the most powerful — and most misunderstood — plays in retirement planning: the Roth conversion. Moving money from a traditional IRA to a Roth IRA can save you a staggering amount in taxes over the course of your retirement, but get it wrong and you're stuck with an unnecessary tax bill you can't undo.</p>
<p>Nicole breaks down exactly what a Roth conversion is, who it makes the most sense for, and the specific scenarios where the math is overwhelmingly in your favor. She walks through how to actually execute one on Fidelity, Schwab, and Vanguard step by step, and explains the IRS rules that trip people up — including the pro-rata rule, the five-year holding clock, and why conversions are now permanent with no take-backs.</p>
<p>Then Nicole gets into the strategies high earners need to know: the backdoor Roth, the mega backdoor Roth, and why 2026 is an especially strategic window to act given the tax brackets locked in by the One Big Beautiful Bill Act.</p>]]>
      </content:encoded>
      <itunes:duration>902</itunes:duration>
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    <item>
      <title>Listener Question: “Do you have to pay taxes on unemployment?”</title>
      <description>Nicole gives a listener advice on what to do about taxes if you filed for unemployment last year, and debunks Dave Ramsey’s statements that people collecting the stimulus check are "screwed." Nicole says: You are not screwed.



From This Episode:

Report your unemployment benefits on your Federal Tax Return, which will say “Form 1040”.

You’ll need Form 1099-G, which you should have received from your state. You can see how much you received in unemployment benefits in Box 1.

You’ll need to report this amount on your tax return on line 7, Schedule 1. 

You also have to report any taxes that were withheld from your unemployment benefits… to find that number, look at that trusty Form 1099-G again… the amount of taxes that were withheld from your unemployment benefits is in box 4. You report that amount on line 25b of your tax return.

If you have an income of $72,000 or less, you can file for free using the IRS Free File program.

If you’re a veteran, check out MilTax for free filing options.

Find out more about VITA ⁠here⁠. VITA is an organization that offers free tax coaching to folks in low-mid income brackets, as well as persons with disabilities, the elderly and individuals with limited English proficiency who need assistance in preparing their taxes. </description>
      <pubDate>Mon, 30 Mar 2026 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/aa529384-1155-11f1-8ee6-5337d8a0bb70/image/9b97a8c6199aa7454fd0acf6755b0b70.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Nicole gives a listener advice on what to do about taxes if you filed for unemployment last year, and debunks Dave Ramsey’s statements that people collecting the stimulus check are "screwed." Nicole says: You are not screwed.



From This Episode:

Report your unemployment benefits on your Federal Tax Return, which will say “Form 1040”.

You’ll need Form 1099-G, which you should have received from your state. You can see how much you received in unemployment benefits in Box 1.

You’ll need to report this amount on your tax return on line 7, Schedule 1. 

You also have to report any taxes that were withheld from your unemployment benefits… to find that number, look at that trusty Form 1099-G again… the amount of taxes that were withheld from your unemployment benefits is in box 4. You report that amount on line 25b of your tax return.

If you have an income of $72,000 or less, you can file for free using the IRS Free File program.

If you’re a veteran, check out MilTax for free filing options.

Find out more about VITA ⁠here⁠. VITA is an organization that offers free tax coaching to folks in low-mid income brackets, as well as persons with disabilities, the elderly and individuals with limited English proficiency who need assistance in preparing their taxes. </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Nicole gives a listener advice on what to do about taxes if you filed for unemployment last year, and debunks Dave Ramsey’s statements that people collecting the stimulus check are "screwed." Nicole says: You are not screwed.</p>
<p><br></p>
<p><strong>From This Episode:</strong></p>
<p>Report your unemployment benefits on your Federal Tax Return, which will say “Form 1040”.</p>
<p>You’ll need Form 1099-G, which you should have received from your state. You can see how much you received in unemployment benefits in Box 1.</p>
<p>You’ll need to report this amount on your tax return on line 7, Schedule 1. </p>
<p>You also have to report any taxes that were <em>withheld</em> from your unemployment benefits… to find that number, look at that trusty Form 1099-G again… the amount of taxes that were withheld from your unemployment benefits is in box 4. You report that amount on line 25b of your tax return.</p>
<p>If you have an income of $72,000 or less, you can file for free using the IRS Free File program.</p>
<p>If you’re a veteran, check out MilTax for free filing options.</p>
<p>Find out more about VITA <a href="https://www.benefits.gov/benefit/1543">⁠here⁠</a>. VITA is an organization that offers free tax coaching to folks in low-mid income brackets, as well as persons with disabilities, the elderly and individuals with limited English proficiency who need assistance in preparing their taxes. </p>]]>
      </content:encoded>
      <itunes:duration>793</itunes:duration>
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    <item>
      <title>529 Plans Can Now Fund WAY More Than College. Most Parents Have No Idea.</title>
      <description>529 plans have been around for decades, but recent legislation just made them significantly more powerful — and most families still aren't taking full advantage. Today, Nicole breaks down everything you need to know about 529 plans: how the tax-free growth works, what qualifies as an expense now (spoiler: it's way more than just college tuition), and the strategic moves that can turn a single contribution into a six-figure education fund.

Nicole walks through the major changes under the One Big Beautiful Bill Act — including doubled K-12 withdrawal limits, expanded expense categories like tutoring and career training, and why the 529 is no longer just a "college fund." She also explains the game-changing 529-to-Roth IRA rollover that eliminates the biggest fear families have about overfunding, the superfunding strategy that lets you front-load up to $95,000 in a single year, and the common mistakes that cost families thousands in missed growth.</description>
      <pubDate>Wed, 25 Mar 2026 23:12:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/275dc8e2-28a0-11f1-873b-1b1647d4fc35/image/388918f062023f3552fe08dc643927b0.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>529 plans have been around for decades, but recent legislation just made them significantly more powerful — and most families still aren't taking full advantage. Today, Nicole breaks down everything you need to know about 529 plans: how the tax-free growth works, what qualifies as an expense now (spoiler: it's way more than just college tuition), and the strategic moves that can turn a single contribution into a six-figure education fund.

Nicole walks through the major changes under the One Big Beautiful Bill Act — including doubled K-12 withdrawal limits, expanded expense categories like tutoring and career training, and why the 529 is no longer just a "college fund." She also explains the game-changing 529-to-Roth IRA rollover that eliminates the biggest fear families have about overfunding, the superfunding strategy that lets you front-load up to $95,000 in a single year, and the common mistakes that cost families thousands in missed growth.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>529 plans have been around for decades, but recent legislation just made them significantly more powerful — and most families still aren't taking full advantage. Today, Nicole breaks down everything you need to know about 529 plans: how the tax-free growth works, what qualifies as an expense now (spoiler: it's way more than just college tuition), and the strategic moves that can turn a single contribution into a six-figure education fund.</p>
<p>Nicole walks through the major changes under the One Big Beautiful Bill Act — including doubled K-12 withdrawal limits, expanded expense categories like tutoring and career training, and why the 529 is no longer just a "college fund." She also explains the game-changing 529-to-Roth IRA rollover that eliminates the biggest fear families have about overfunding, the superfunding strategy that lets you front-load up to $95,000 in a single year, and the common mistakes that cost families thousands in missed growth.</p>]]>
      </content:encoded>
      <itunes:duration>870</itunes:duration>
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    <item>
      <title>The Long Term Investment Strategies That Actually Build Wealth</title>
      <description>he financial media wants you to believe you need to be a stock-picking genius to build wealth. You don't. Today, Nicole breaks down the boring-but-proven investment strategies that have consistently built wealth over decades — and explains why most of what you see on social media about investing is designed to mislead you.

Nicole walks through the real math behind dollar-cost averaging (spoiler: $300 a month can become $678,000), why your S&amp;P 500 index fund might not be as diversified as you think, and the exact order of operations for your 401(k), Roth IRA, and brokerage accounts. She also flags the silent mistakes that erode long-term returns — including one habit that feels responsible but actually makes you a worse investor.</description>
      <pubDate>Fri, 20 Mar 2026 19:10:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/11bf8f6a-24a0-11f1-962f-47a8fedbf140/image/0cc2c8e313a7dace3f640b702d24b395.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>he financial media wants you to believe you need to be a stock-picking genius to build wealth. You don't. Today, Nicole breaks down the boring-but-proven investment strategies that have consistently built wealth over decades — and explains why most of what you see on social media about investing is designed to mislead you.

Nicole walks through the real math behind dollar-cost averaging (spoiler: $300 a month can become $678,000), why your S&amp;P 500 index fund might not be as diversified as you think, and the exact order of operations for your 401(k), Roth IRA, and brokerage accounts. She also flags the silent mistakes that erode long-term returns — including one habit that feels responsible but actually makes you a worse investor.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>he financial media wants you to believe you need to be a stock-picking genius to build wealth. You don't. Today, Nicole breaks down the boring-but-proven investment strategies that have consistently built wealth over decades — and explains why most of what you see on social media about investing is designed to mislead you.</p>
<p>Nicole walks through the real math behind dollar-cost averaging (spoiler: $300 a month can become $678,000), why your S&amp;P 500 index fund might not be as diversified as you think, and the exact order of operations for your 401(k), Roth IRA, and brokerage accounts. She also flags the silent mistakes that erode long-term returns — including one habit that feels responsible but actually makes you a worse investor.</p>]]>
      </content:encoded>
      <itunes:duration>541</itunes:duration>
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    <item>
      <title>You Don't Need To Be Rich To Start Investing. Here's How To Start With A Budget</title>
      <description>Think you need a fat paycheck before you can start investing? That's one of the most expensive myths in personal finance — and today, Nicole breaks down exactly why.She walks through the real data: 38% of American households own zero stocks, and the number one reason people give is believing they don't have enough money. But in 2026, the minimum to start investing at most major platforms is literally one dollar. Nicole explains the structural changes that demolished the old barriers — fractional shares, zero-commission trading, and robo-advisors — and lays out a step-by-step plan for going from zero to building real wealth on any income.Then Nicole gets into the math that should change how you think about money forever: what $100 a month actually turns into over 30 years, why dollar-cost averaging beats trying to time the market, and the most common mistakes new investors make that silently cost them thousands.</description>
      <pubDate>Mon, 16 Mar 2026 19:33:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/11410994-216f-11f1-a897-eb07191b0d9f/image/c10a509352748046229c4fdf8cee8602.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Think you need a fat paycheck before you can start investing? That's one of the most expensive myths in personal finance — and today, Nicole breaks down exactly why.She walks through the real data: 38% of American households own zero stocks, and the number one reason people give is believing they don't have enough money. But in 2026, the minimum to start investing at most major platforms is literally one dollar. Nicole explains the structural changes that demolished the old barriers — fractional shares, zero-commission trading, and robo-advisors — and lays out a step-by-step plan for going from zero to building real wealth on any income.Then Nicole gets into the math that should change how you think about money forever: what $100 a month actually turns into over 30 years, why dollar-cost averaging beats trying to time the market, and the most common mistakes new investors make that silently cost them thousands.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Think you need a fat paycheck before you can start investing? That's one of the most expensive myths in personal finance — and today, Nicole breaks down exactly why.<br>She walks through the real data: 38% of American households own zero stocks, and the number one reason people give is believing they don't have enough money. But in 2026, the minimum to start investing at most major platforms is literally one dollar. Nicole explains the structural changes that demolished the old barriers — fractional shares, zero-commission trading, and robo-advisors — and lays out a step-by-step plan for going from zero to building real wealth on any income.<br>Then Nicole gets into the math that should change how you think about money forever: what $100 a month actually turns into over 30 years, why dollar-cost averaging beats trying to time the market, and the most common mistakes new investors make that silently cost them thousands.</p>]]>
      </content:encoded>
      <itunes:duration>789</itunes:duration>
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      <title>How the Federal Reserve Actually Affects Your Money — Credit Cards, Mortgages &amp; Savings Explained</title>
      <description>You've seen the headlines about rate cuts, rate pauses, and Fed chair nominations — but what does any of that actually mean for your wallet? In this episode Nicole breaks down how the Federal Reserve works, what the latest rate decisions mean for your credit cards, mortgage, and savings accounts, and what the upcoming leadership transition from Jerome Powell to Kevin Warsh could mean for your money. Plus, she shares a "spread lock" CD ladder strategy you can use right now to lock in today's high savings rates before they disappear.</description>
      <pubDate>Thu, 05 Mar 2026 21:15:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/22aefed6-18df-11f1-9721-a7c24ee4f705/image/5cc438372aa8a3ec18a4409177397692.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>You've seen the headlines about rate cuts, rate pauses, and Fed chair nominations — but what does any of that actually mean for your wallet? In this episode Nicole breaks down how the Federal Reserve works, what the latest rate decisions mean for your credit cards, mortgage, and savings accounts, and what the upcoming leadership transition from Jerome Powell to Kevin Warsh could mean for your money. Plus, she shares a "spread lock" CD ladder strategy you can use right now to lock in today's high savings rates before they disappear.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>You've seen the headlines about rate cuts, rate pauses, and Fed chair nominations — but what does any of that actually mean for your wallet? In this episode Nicole breaks down how the Federal Reserve works, what the latest rate decisions mean for your credit cards, mortgage, and savings accounts, and what the upcoming leadership transition from Jerome Powell to Kevin Warsh could mean for your money. Plus, she shares a "spread lock" CD ladder strategy you can use right now to lock in today's high savings rates before they disappear.</p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>779</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>How to Buy a Stock from A to Z — For Beginners &amp; Those Who Need a Refresher</title>
      <description>Have you ever looked at a stock and thought, "I want to buy that… but where do I even start?"  In this episode Nicole walks you through the entire process from A to Z — from opening a brokerage account to researching and picking a stock, understanding the difference between order types, and knowing exactly what happens when you hit that buy button. Whether you're placing your very first trade or just need a refresher, by the end of this video you'll have everything you need to buy a stock with confidence.</description>
      <pubDate>Mon, 02 Mar 2026 20:15:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3d195092-167c-11f1-a369-9f112d752389/image/eb1b5fd07d42a59fc7215f080510ac7c.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Have you ever looked at a stock and thought, "I want to buy that… but where do I even start?"  In this episode Nicole walks you through the entire process from A to Z — from opening a brokerage account to researching and picking a stock, understanding the difference between order types, and knowing exactly what happens when you hit that buy button. Whether you're placing your very first trade or just need a refresher, by the end of this video you'll have everything you need to buy a stock with confidence.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Have you ever looked at a stock and thought, "I want to buy that… but where do I even start?"  In this episode Nicole walks you through the entire process from A to Z — from opening a brokerage account to researching and picking a stock, understanding the difference between order types, and knowing exactly what happens when you hit that buy button. Whether you're placing your very first trade or just need a refresher, by the end of this video you'll have everything you need to buy a stock with confidence.</p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>514</itunes:duration>
      <guid isPermaLink="false"><![CDATA[3d195092-167c-11f1-a369-9f112d752389]]></guid>
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    </item>
    <item>
      <title>Invest Like the Best: Three Pro Tips from Famed Investors Ray Dalio, Warren Buffett, and Michael Burry</title>
      <description>Want to invest like the best? Today, Nicole shares tips from three of the greatest investors of our time: Ray Dalio, Warren Buffett, and Michael Burry.



This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</description>
      <pubDate>Mon, 02 Mar 2026 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/cdc0150e-fb51-11f0-846b-7bec125919b5/image/63f22dcb63db2468bd8a9e8a2e6890bd.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Want to invest like the best? Today, Nicole shares tips from three of the greatest investors of our time: Ray Dalio, Warren Buffett, and Michael Burry.



This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Want to invest like the best? Today, Nicole shares tips from three of the greatest investors of our time: Ray Dalio, Warren Buffett, and Michael Burry.</p>
<p><br></p>
<p>This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</p>]]>
      </content:encoded>
      <itunes:duration>476</itunes:duration>
      <guid isPermaLink="false"><![CDATA[cdc0150e-fb51-11f0-846b-7bec125919b5]]></guid>
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    </item>
    <item>
      <title>How to Create an Investing Plan Like a Billionaire— Even If You're Not One Yet</title>
      <description>Have you ever wondered how Warren Buffett came up with his investment strategy? Today, Nicole pulls back the curtain. In this episode, Nicole breaks down how the investing pros create their investing theses, how they stress-test their own ideas, and three famous real-world examples that paid off. Then, Nicole will explain how you can create your own strategy— and how to easily execute on it... today.</description>
      <pubDate>Mon, 23 Feb 2026 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c67acc32-fb4f-11f0-81b0-f7941342d5af/image/5990ec5f772e4a9ea42e641395d00692.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Have you ever wondered how Warren Buffett came up with his investment strategy? Today, Nicole pulls back the curtain. In this episode, Nicole breaks down how the investing pros create their investing theses, how they stress-test their own ideas, and three famous real-world examples that paid off. Then, Nicole will explain how you can create your own strategy— and how to easily execute on it... today.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Have you ever wondered how Warren Buffett came up with his investment strategy? Today, Nicole pulls back the curtain. In this episode, Nicole breaks down how the investing pros create their investing theses, how they stress-test their own ideas, and three famous real-world examples that paid off. Then, Nicole will explain how you can create your own strategy— and how to easily execute on it... today. </p>]]>
      </content:encoded>
      <itunes:duration>661</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c67acc32-fb4f-11f0-81b0-f7941342d5af]]></guid>
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    </item>
    <item>
      <title>How to Make an All-Cash Offer on a House (Even If You Don't Have the Cash)</title>
      <description>No cash? No problem! Today, Nicole explains the money moves that can help you make an all-cash offer on a home... even if you don't have the $!

This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</description>
      <pubDate>Mon, 16 Feb 2026 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/ce58cf3c-fb4d-11f0-abf8-77fc9930b9ec/image/a0bc9eb855c11c2e3e5daeda8d08fb52.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>No cash? No problem! Today, Nicole explains the money moves that can help you make an all-cash offer on a home... even if you don't have the $!

This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>No cash? No problem! Today, Nicole explains the money moves that can help you make an all-cash offer on a home... even if you don't have the $!</p>
<p>This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</p>]]>
      </content:encoded>
      <itunes:duration>433</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ce58cf3c-fb4d-11f0-abf8-77fc9930b9ec]]></guid>
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    </item>
    <item>
      <title>"I Just Got a Raise. What's The Best Thing To Do With This New Money?"</title>
      <description>If you get a raise, or take a distribution on a huge stock, or win the lottery, the first thing you do is celebrate. Obviously. The next thing you do is ask yourself: what do I do now? Or, better yet: what do I do now that will make this money grow into more money? That's what today’s Money Rehabber is asking herself, and Nicole helps her find answers.</description>
      <pubDate>Mon, 09 Feb 2026 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/27e0585a-fb4d-11f0-ac83-37b0fbc47d6e/image/6f69463f1e6d12bcd5729ccd4362e65d.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>If you get a raise, or take a distribution on a huge stock, or win the lottery, the first thing you do is celebrate. Obviously. The next thing you do is ask yourself: what do I do now? Or, better yet: what do I do now that will make this money grow into more money? That's what today’s Money Rehabber is asking herself, and Nicole helps her find answers.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you get a raise, or take a distribution on a huge stock, or win the lottery, the first thing you do is celebrate. Obviously. The next thing you do is ask yourself: what do I do now? Or, better yet: what do I do now that will make this money grow into more money? That's what today’s Money Rehabber is asking herself, and Nicole helps her find answers.</p>]]>
      </content:encoded>
      <itunes:duration>2014</itunes:duration>
      <guid isPermaLink="false"><![CDATA[27e0585a-fb4d-11f0-ac83-37b0fbc47d6e]]></guid>
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    </item>
    <item>
      <title>Settling the Rent Vs Buy Debate and 3 Rules of Investing in Real Estate with Paul Mark Morris</title>
      <description>Is renting really throwing money away? That is just one of the hot real estate topics Nicole gets into today with Paul Mark Morris— real estate expert and host of the podcast ⁠Radical Wealth Plan⁠. Nicole and Paul talk about whether now is a good time to buy, Paul's three rules of real estate and whether 1031 exchanges are as cool as they seem on TikTok. Plus, Paul also gives a masterclass in the art and science of closing a sale.</description>
      <pubDate>Mon, 02 Feb 2026 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bbda190e-e515-11f0-908a-a39ab465395e/image/fdccd626d2857a59860c913219106103.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Is renting really throwing money away? That is just one of the hot real estate topics Nicole gets into today with Paul Mark Morris— real estate expert and host of the podcast ⁠Radical Wealth Plan⁠. Nicole and Paul talk about whether now is a good time to buy, Paul's three rules of real estate and whether 1031 exchanges are as cool as they seem on TikTok. Plus, Paul also gives a masterclass in the art and science of closing a sale.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Is renting really throwing money away? That is just one of the hot real estate topics Nicole gets into today with Paul Mark Morris— real estate expert and host of the podcast <a href="https://open.spotify.com/show/2JgqCDEnOKeUqUJa7pVzTZ">⁠<u>Radical Wealth Plan</u>⁠</a>. Nicole and Paul talk about whether now is a good time to buy, Paul's three rules of real estate and whether 1031 exchanges are as cool as they seem on TikTok. Plus, Paul also gives a masterclass in the art and science of closing a sale. </p>]]>
      </content:encoded>
      <itunes:duration>2383</itunes:duration>
      <guid isPermaLink="false"><![CDATA[bbda190e-e515-11f0-908a-a39ab465395e]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT9063628688.mp3?updated=1767054900" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Have $1 Million By The Time You Retire</title>
      <description>Today, Nicole cracks the code to the million-dollar question. Literally. How much do you need to invest—and when—to retire with $1 million in the bank?</description>
      <pubDate>Mon, 26 Jan 2026 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e6cb30ea-e514-11f0-ae3f-7f6cc4d8ca55/image/244aea1e6ff4515ec8eb140765e26b6c.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Today, Nicole cracks the code to the million-dollar question. Literally. How much do you need to invest—and when—to retire with $1 million in the bank?</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Today, Nicole cracks the code to the million-dollar question. Literally. How much do you need to invest—and when—to retire with $1 million in the bank?</p>]]>
      </content:encoded>
      <itunes:duration>785</itunes:duration>
      <guid isPermaLink="false"><![CDATA[e6cb30ea-e514-11f0-ae3f-7f6cc4d8ca55]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT3215117406.mp3?updated=1767054214" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>“I overcontributed to my Roth IRA. Help!” (Listener Intervention)</title>
      <description>What happens if you contribute more to a Roth IRA than you’re allowed??? Asking for a friend. Today, Nicole spares a listener from fees galore.</description>
      <pubDate>Mon, 19 Jan 2026 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/80f8b04a-e513-11f0-b031-0ffa7118920b/image/cc85ec9f7e16b71bdbecaadfed080b26.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>What happens if you contribute more to a Roth IRA than you’re allowed??? Asking for a friend. Today, Nicole spares a listener from fees galore.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>What happens if you contribute more to a Roth IRA than you’re allowed??? Asking for a friend. Today, Nicole spares a listener from fees galore.</p>]]>
      </content:encoded>
      <itunes:duration>1051</itunes:duration>
      <guid isPermaLink="false"><![CDATA[80f8b04a-e513-11f0-b031-0ffa7118920b]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT9776580382.mp3?updated=1767053989" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Spousal IRA: the Retirement Account Every Full-Time Parent Needs</title>
      <description>Some retirement options (like 401ks) can only be funded with contributions from income. So where does that leave full-time parents and homemakers? Luckily, there is a solution. Nicole breaks down the retirement option every spouse not earning income needs to know, and even how to include it in a prenup.</description>
      <pubDate>Mon, 12 Jan 2026 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/25ba090e-e513-11f0-b296-6fe3689c98e1/image/f27b3530544af2e714ffa8622a1e9cc2.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Some retirement options (like 401ks) can only be funded with contributions from income. So where does that leave full-time parents and homemakers? Luckily, there is a solution. Nicole breaks down the retirement option every spouse not earning income needs to know, and even how to include it in a prenup.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Some retirement options (like 401ks) can only be funded with contributions from income. So where does that leave full-time parents and homemakers? Luckily, there is a solution. Nicole breaks down the retirement option every spouse not earning income needs to know, and even how to include it in a prenup.</p>]]>
      </content:encoded>
      <itunes:duration>482</itunes:duration>
      <guid isPermaLink="false"><![CDATA[25ba090e-e513-11f0-b296-6fe3689c98e1]]></guid>
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    </item>
    <item>
      <title>How to Win at Your Taxes</title>
      <description>That's right: Lorilyn Wilson is our new favorite CPA who makes taxes *actually* kinda fun. Nicole holds nothing back and asks all the burning tax questions people are normally too scared to ask: How can I get the most back on my tax refund? Are there any new tax credits this year I can benefit from? If I'm a business owner, can I deduct my clothes? If I mess up my tax return... will I go to jail? It's going down!

Learn more about Lorilyn here: https://www.linkedin.com/in/lorilynacrum/</description>
      <pubDate>Mon, 05 Jan 2026 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6fcb4094-d21c-11f0-a3f0-bf6d339e8aba/image/99e760911d7bda6b59e68e98f961c557.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>That's right: Lorilyn Wilson is our new favorite CPA who makes taxes *actually* kinda fun. Nicole holds nothing back and asks all the burning tax questions people are normally too scared to ask: How can I get the most back on my tax refund? Are there any new tax credits this year I can benefit from? If I'm a business owner, can I deduct my clothes? If I mess up my tax return... will I go to jail? It's going down!

Learn more about Lorilyn here: https://www.linkedin.com/in/lorilynacrum/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>That's right: Lorilyn Wilson is our new favorite CPA who makes taxes *actually* kinda fun. Nicole holds nothing back and asks all the burning tax questions people are normally too scared to ask: How can I get the most back on my tax refund? Are there any new tax credits this year I can benefit from? If I'm a business owner, can I deduct my clothes? If I mess up my tax return... will I go to jail? It's going down!</p>
<p>Learn more about Lorilyn here: https://www.linkedin.com/in/lorilynacrum/</p>]]>
      </content:encoded>
      <itunes:duration>1987</itunes:duration>
      <guid isPermaLink="false"><![CDATA[6fcb4094-d21c-11f0-a3f0-bf6d339e8aba]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT2506858832.mp3?updated=1764968674" length="0" type="audio/mpeg"/>
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    <item>
      <title>Financial New Year's Resolutions That Actually Work</title>
      <description>In 2023. 66% of Americans say that they plan on making a financial New Year's Resolution. But way too often, our resolutions set us up to fail. Here are five New Year's Resolutions that actually work.</description>
      <pubDate>Mon, 29 Dec 2025 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4cb4fd68-d21f-11f0-99bc-cf1d3c048286/image/73ede5a2dde1fd2f5ded84c8769e3a28.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>In 2023. 66% of Americans say that they plan on making a financial New Year's Resolution. But way too often, our resolutions set us up to fail. Here are five New Year's Resolutions that actually work.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>In 2023. 66% of Americans say that they plan on making a financial New Year's Resolution. But way too often, our resolutions set us up to fail. Here are five New Year's Resolutions that actually work.</p>]]>
      </content:encoded>
      <itunes:duration>873</itunes:duration>
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    </item>
    <item>
      <title>“I Spent My Emergency Fund. How Should I Rebuild My Budget?”</title>
      <description>Money Rehabber Mary reached out to Nicole with some questions on how her son, Sean, should use his savings to buy a car. Then, Ida hit, Sean was evacuated, and had to use his entire emergency fund. Nicole invited Mary and Sean on the show to talk about what to do next.</description>
      <pubDate>Tue, 23 Dec 2025 18:14:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f709589c-ae5a-11f0-8eb3-9b7f0e072987/image/fe1fa1699882ad18bd5ccbfdd5d9d2a7.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Money Rehabber Mary reached out to Nicole with some questions on how her son, Sean, should use his savings to buy a car. Then, Ida hit, Sean was evacuated, and had to use his entire emergency fund. Nicole invited Mary and Sean on the show to talk about what to do next.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Money Rehabber Mary reached out to Nicole with some questions on how her son, Sean, should use his savings to buy a car. Then, Ida hit, Sean was evacuated, and had to use his entire emergency fund. Nicole invited Mary and Sean on the show to talk about what to do next.</p>]]>
      </content:encoded>
      <itunes:duration>1493</itunes:duration>
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    <item>
      <title>How to Save Money for the Holidays</title>
      <description>'Tis the holiday season and it’s… expensive. There are gifts to buy, family to see, and parties to attend. If you’re lucky, it’s an embarrassment of riches… that can also leave you totally broke. Today, Nicole gives you some fresh tips for saving money during the holidays.</description>
      <pubDate>Mon, 22 Dec 2025 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/720799a6-d21d-11f0-ade6-8b795030a1aa/image/daf36f128e54fa44fc331cf995083be4.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>'Tis the holiday season and it’s… expensive. There are gifts to buy, family to see, and parties to attend. If you’re lucky, it’s an embarrassment of riches… that can also leave you totally broke. Today, Nicole gives you some fresh tips for saving money during the holidays.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>'Tis the holiday season and it’s… expensive. There are gifts to buy, family to see, and parties to attend. If you’re lucky, it’s an embarrassment of riches… that can also leave you totally broke. Today, Nicole gives you some fresh tips for saving money during the holidays.</p>]]>
      </content:encoded>
      <itunes:duration>523</itunes:duration>
      <guid isPermaLink="false"><![CDATA[720799a6-d21d-11f0-ade6-8b795030a1aa]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT7917945462.mp3?updated=1764969217" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Defining FSAs &amp; HSAs and How To Make Them Work For You</title>
      <description>Happy Open Enrollment, Money Schoolers! When you pick your health insurance plan, you're likely going to encounter FSAs or HSAs. Today, Nicole explains the difference between the two— and how to get the most out of both of them.</description>
      <pubDate>Mon, 15 Dec 2025 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e05cb06e-d21b-11f0-8955-c786e27e1b67/image/98ce71b20f97744825c54856d7e273b9.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Happy Open Enrollment, Money Schoolers! When you pick your health insurance plan, you're likely going to encounter FSAs or HSAs. Today, Nicole explains the difference between the two— and how to get the most out of both of them.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Happy Open Enrollment, Money Schoolers! When you pick your health insurance plan, you're likely going to encounter FSAs or HSAs. Today, Nicole explains the difference between the two— and how to get the most out of both of them.</p>]]>
      </content:encoded>
      <itunes:duration>713</itunes:duration>
      <guid isPermaLink="false"><![CDATA[e05cb06e-d21b-11f0-8955-c786e27e1b67]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT3289895315.mp3?updated=1764968366" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Budget for a Wedding AND a House with Elaine Welteroth </title>
      <description>In today's Change Maker episode, Nicole sits down with Elaine Welteroth— award-winning journalist, a TV host, the former editor in chief of Teen Vogue, the author of the New York Times bestseller "More Than Enough," and overall wonderful gem of a human.

This conversation is jam-packed with stories we can all learn from: how Elaine's stoop wedding helped her and her hubs snag their dream house, how she took the leap to working for herself, and how she went from a scarcity mindset to an abundance mindset (spoiler alert: it involves bubblegum and vintage cars).</description>
      <pubDate>Mon, 08 Dec 2025 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/806132c6-d12f-11f0-99ab-47b63a9626ca/image/4f0eacfb077fc210440263cd99a6f94d.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>In today's Change Maker episode, Nicole sits down with Elaine Welteroth— award-winning journalist, a TV host, the former editor in chief of Teen Vogue, the author of the New York Times bestseller "More Than Enough," and overall wonderful gem of a human.

This conversation is jam-packed with stories we can all learn from: how Elaine's stoop wedding helped her and her hubs snag their dream house, how she took the leap to working for herself, and how she went from a scarcity mindset to an abundance mindset (spoiler alert: it involves bubblegum and vintage cars).</itunes:summary>
      <content:encoded>
        <![CDATA[<p>In today's Change Maker episode, Nicole sits down with Elaine Welteroth— award-winning journalist, a TV host, the former editor in chief of Teen Vogue, the author of the New York Times bestseller "More Than Enough," and overall wonderful gem of a human.</p>
<p>This conversation is jam-packed with stories we can all learn from: how Elaine's stoop wedding helped her and her hubs snag their dream house, how she took the leap to working for herself, and how she went from a scarcity mindset to an abundance mindset (spoiler alert: it involves bubblegum and vintage cars).</p>]]>
      </content:encoded>
      <itunes:duration>2043</itunes:duration>
      <guid isPermaLink="false"><![CDATA[806132c6-d12f-11f0-99ab-47b63a9626ca]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT9359485602.mp3?updated=1764968819" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What You Need to Know About Private Equity In Your 401(k)</title>
      <description>For decades, the private equity world has been a velvet-roped party — only open to billionaires, pensions, and endowments. But that might be changing. This month, a new executive order made it easier for private equity (and other high-growth, high-risk assets) to land in your 401(k). On the surface, it looks like access. But Nicole breaks down what’s really going on behind the scenes… and why private equity is suddenly rolling out the red carpet for retail investors like you. 

This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</description>
      <pubDate>Mon, 17 Nov 2025 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/758c3712-ae5a-11f0-a6a9-03855562d8cf/image/c6693bbb3628717f7e5ab97407f2e50a.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>For decades, the private equity world has been a velvet-roped party — only open to billionaires, pensions, and endowments. But that might be changing. This month, a new executive order made it easier for private equity (and other high-growth, high-risk assets) to land in your 401(k). On the surface, it looks like access. But Nicole breaks down what’s really going on behind the scenes… and why private equity is suddenly rolling out the red carpet for retail investors like you. 

This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>For decades, the private equity world has been a velvet-roped party — only open to billionaires, pensions, and endowments. But that might be changing. This month, a new executive order made it easier for private equity (and other high-growth, high-risk assets) to land in your 401(k). On the surface, it looks like access. But Nicole breaks down what’s <em>really</em> going on behind the scenes… and why private equity is suddenly rolling out the red carpet for retail investors like you. </p>
<p>This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</p>]]>
      </content:encoded>
      <itunes:duration>454</itunes:duration>
      <guid isPermaLink="false"><![CDATA[758c3712-ae5a-11f0-a6a9-03855562d8cf]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT4760908306.mp3?updated=1764861554" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Do I Make a F%*king Budget?! </title>
      <description>Nicole covers exactly how much should go toward your essential spending, what the heck you have to put toward retirement, and how much you get to spend on the fun stuff: vacations and bottomless-mimosa brunches.</description>
      <pubDate>Mon, 10 Nov 2025 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/dcd75fc4-ae59-11f0-ba27-27e9294f23e2/image/19a7b9ba0d916f23046ad283416e485b.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Nicole covers exactly how much should go toward your essential spending, what the heck you have to put toward retirement, and how much you get to spend on the fun stuff: vacations and bottomless-mimosa brunches.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Nicole covers exactly how much should go toward your essential spending, what the heck you have to put toward retirement, and how much you get to spend on the fun stuff: vacations and bottomless-mimosa brunches. </p>]]>
      </content:encoded>
      <itunes:duration>1283</itunes:duration>
      <guid isPermaLink="false"><![CDATA[dcd75fc4-ae59-11f0-ba27-27e9294f23e2]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT5261860043.mp3?updated=1761036883" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Talk About Money</title>
      <description>Does talking about money stress you out? You’re not alone. Today’s Money Rehabber feels like his financial health would benefit from open communication about money with his friends and family… but [s/he] just can’t start the conversation. Today, Nicole helps him practice those conversations so that the real deal is easier.</description>
      <pubDate>Mon, 03 Nov 2025 08:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9efdff1a-9670-11f0-a2dc-c76684ab0b26/image/2a9120d2f02b8c58b4d4b14eb85afba7.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Does talking about money stress you out? You’re not alone. Today’s Money Rehabber feels like his financial health would benefit from open communication about money with his friends and family… but [s/he] just can’t start the conversation. Today, Nicole helps him practice those conversations so that the real deal is easier.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Does talking about money stress you out? You’re not alone. Today’s Money Rehabber feels like his financial health would benefit from open communication about money with his friends and family… but [s/he] just can’t start the conversation. Today, Nicole helps him practice those conversations so that the real deal is easier.</p>]]>
      </content:encoded>
      <itunes:duration>751</itunes:duration>
      <guid isPermaLink="false"><![CDATA[9efdff1a-9670-11f0-a2dc-c76684ab0b26]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT8372606774.mp3?updated=1758407502" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Add Stability (and Income!) to Your Portfolio</title>
      <description>Stocks get all the attention, but bonds? They deserve some love too. If the latest market swings have you feeling a little queasy, bonds can help balance your portfolio and create a steady stream of passive income. In today’s episode, Nicole sits down with a Money Rehabber who wants to start investing in bonds but isn’t sure where to begin. Nicole breaks down bond basics, key terms, and how to build a bond strategy that works for you.</description>
      <pubDate>Mon, 27 Oct 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/29832df0-9670-11f0-a942-f7cc8e5c5e70/image/2416ca36ca0cf687b8dfa2eac1bb69d6.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Stocks get all the attention, but bonds? They deserve some love too. If the latest market swings have you feeling a little queasy, bonds can help balance your portfolio and create a steady stream of passive income. In today’s episode, Nicole sits down with a Money Rehabber who wants to start investing in bonds but isn’t sure where to begin. Nicole breaks down bond basics, key terms, and how to build a bond strategy that works for you.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Stocks get all the attention, but bonds? They deserve some love too. If the latest market swings have you feeling a little queasy, bonds can help balance your portfolio and create a steady stream of passive income. In today’s episode, Nicole sits down with a Money Rehabber who wants to start investing in bonds but isn’t sure where to begin. Nicole breaks down bond basics, key terms, and how to build a bond strategy that works for you. </p>]]>
      </content:encoded>
      <itunes:duration>676</itunes:duration>
      <guid isPermaLink="false"><![CDATA[29832df0-9670-11f0-a942-f7cc8e5c5e70]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT8374679417.mp3?updated=1758407462" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title> How the Greats Invest Their Money</title>
      <description>You may have seen the news last week that the consumer confidence index fell by 7 points this month, marking the largest drop since August 2021. Translation? People are getting nervous about a recession. But here’s the thing—you don’t have to panic just because the economy is. Even if you’re skeptical about the marco-economy, you can create confidence in your own micro-economy by taking the reins of your investments. So today, Nicole is showing you four asset allocation strategies designed to help you weather any financial environment. In other words: four recipes for a portfolio that provides growth in good economic times, and stability in tough economic times.</description>
      <pubDate>Mon, 20 Oct 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6cedb17e-966f-11f0-9b88-9f919e26aed4/image/9a89036b69c4f305de2fac67deac86c2.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>You may have seen the news last week that the consumer confidence index fell by 7 points this month, marking the largest drop since August 2021. Translation? People are getting nervous about a recession. But here’s the thing—you don’t have to panic just because the economy is. Even if you’re skeptical about the marco-economy, you can create confidence in your own micro-economy by taking the reins of your investments. So today, Nicole is showing you four asset allocation strategies designed to help you weather any financial environment. In other words: four recipes for a portfolio that provides growth in good economic times, and stability in tough economic times.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>You may have seen the news last week that the consumer confidence index fell by 7 points this month, marking the largest drop since August 2021. Translation? People are getting nervous about a recession. But here’s the thing—you don’t have to panic just because the economy is. Even if you’re skeptical about the marco-economy, you can create confidence in your own micro-economy by taking the reins of your investments. So today, Nicole is showing you four asset allocation strategies designed to help you weather any financial environment. In other words: four recipes for a portfolio that provides growth in good economic times, and stability in tough economic times.</p>]]>
      </content:encoded>
      <itunes:duration>802</itunes:duration>
      <guid isPermaLink="false"><![CDATA[6cedb17e-966f-11f0-9b88-9f919e26aed4]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT5815443343.mp3?updated=1758407129" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Don't Fall Behind on Retirement Planning: How to Use Individual Retirement Accounts (IRAs) Like a Pro</title>
      <description> How to Use Individual Retirement Accounts (IRAs) Like a Pro

More than half of Americans feel behind on retirement savings, but the good news is, it’s never too late to level up your strategy.

Today, Nicole walks you through Individual Retirement Accounts (IRAs): what they are, how they work, and how they can help you build real wealth for retirement. She unpacks the key differences between Traditional and Roth IRAs, how to choose the right one (or both!), and what tax implications to keep in mind. Plus, Nicole shares a workaround for high earners and shows you how to open your own IRA today. Whether you're just starting out or optimizing your retirement game plan, this episode has something for you.

Ready? ⁠Open an IRA today⁠.

This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</description>
      <pubDate>Mon, 13 Oct 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/928bdd6c-966e-11f0-9b1e-6faa4162c88a/image/494ffd5f6aba64d6bcea648deb0139dd.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary> How to Use Individual Retirement Accounts (IRAs) Like a Pro

More than half of Americans feel behind on retirement savings, but the good news is, it’s never too late to level up your strategy.

Today, Nicole walks you through Individual Retirement Accounts (IRAs): what they are, how they work, and how they can help you build real wealth for retirement. She unpacks the key differences between Traditional and Roth IRAs, how to choose the right one (or both!), and what tax implications to keep in mind. Plus, Nicole shares a workaround for high earners and shows you how to open your own IRA today. Whether you're just starting out or optimizing your retirement game plan, this episode has something for you.

Ready? ⁠Open an IRA today⁠.

This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</itunes:summary>
      <content:encoded>
        <![CDATA[<p> How to Use Individual Retirement Accounts (IRAs) Like a Pro</p>
<p>More than half of Americans feel behind on retirement savings, but the good news is, it’s never too late to level up your strategy.</p>
<p>Today, Nicole walks you through Individual Retirement Accounts (IRAs): what they are, how they work, and how they can help you build real wealth for retirement. She unpacks the key differences between Traditional and Roth IRAs, how to choose the right one (or both!), and what tax implications to keep in mind. Plus, Nicole shares a workaround for high earners and shows you how to open your own IRA today. Whether you're just starting out or optimizing your retirement game plan, this episode has something for you.</p>
<p>Ready?<a href="https://public.com/moneyrehab"> <u>⁠Open an IRA today⁠</u></a>.</p>
<p>This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>656</itunes:duration>
      <guid isPermaLink="false"><![CDATA[928bdd6c-966e-11f0-9b1e-6faa4162c88a]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT6411071325.mp3?updated=1758406750" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>I Was Diagnosed With Stage 4 Cancer. How Do I Protect My Dependents?</title>
      <description>Today’s episode is one of the most powerful we’ve ever done on Money Rehab. Nicole sits down with a listener named Erin, who reached out after being diagnosed with stage 4 breast cancer. Her message was simple, yet profound: “I need to get my finances in order to make sure my loved ones are taken care of.”

What follows is a raw, courageous conversation about life, money, and legacy. Erin shares her fears, her love for her family, and the steps she’s taking to give them financial peace of mind. Nicole brings in attorney Veronica Escobar to walk through the essentials of estate planning—from wills and trusts, to power of attorney and beyond.

This is not just a conversation about preparing for death. It’s about taking control, even in moments when everything feels uncertain. It’s about how we can use money as a tool to protect the people we love.

This episode is for anyone who wants to plan ahead, not out of fear, but out of love. It’s an emotional listen, but an essential one.

Tomorrow’s episode will be a follow-up, where Nicole answers Erin’s questions about saving for medical care. But today, we focus on what Erin wanted most: peace of mind for her family.

Check out the company Nicole connected Erin with for estate planning, Trust and Will, ⁠here⁠ 

Learn more about Veronica Escobar’s work and practice ⁠here⁠

This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</description>
      <pubDate>Mon, 06 Oct 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c62bc2c8-966d-11f0-90bf-bb5270b33832/image/3084da0e56768719185209f18d85b784.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Today’s episode is one of the most powerful we’ve ever done on Money Rehab. Nicole sits down with a listener named Erin, who reached out after being diagnosed with stage 4 breast cancer. Her message was simple, yet profound: “I need to get my finances in order to make sure my loved ones are taken care of.”

What follows is a raw, courageous conversation about life, money, and legacy. Erin shares her fears, her love for her family, and the steps she’s taking to give them financial peace of mind. Nicole brings in attorney Veronica Escobar to walk through the essentials of estate planning—from wills and trusts, to power of attorney and beyond.

This is not just a conversation about preparing for death. It’s about taking control, even in moments when everything feels uncertain. It’s about how we can use money as a tool to protect the people we love.

This episode is for anyone who wants to plan ahead, not out of fear, but out of love. It’s an emotional listen, but an essential one.

Tomorrow’s episode will be a follow-up, where Nicole answers Erin’s questions about saving for medical care. But today, we focus on what Erin wanted most: peace of mind for her family.

Check out the company Nicole connected Erin with for estate planning, Trust and Will, ⁠here⁠ 

Learn more about Veronica Escobar’s work and practice ⁠here⁠

This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Today’s episode is one of the most powerful we’ve ever done on Money Rehab. Nicole sits down with a listener named Erin, who reached out after being diagnosed with stage 4 breast cancer. Her message was simple, yet profound: “I need to get my finances in order to make sure my loved ones are taken care of.”</p>
<p>What follows is a raw, courageous conversation about life, money, and legacy. Erin shares her fears, her love for her family, and the steps she’s taking to give them financial peace of mind. Nicole brings in attorney Veronica Escobar to walk through the essentials of estate planning—from wills and trusts, to power of attorney and beyond.</p>
<p>This is not just a conversation about preparing for death. It’s about taking control, even in moments when everything feels uncertain. It’s about how we can use money as a tool to protect the people we love.</p>
<p>This episode is for anyone who wants to plan ahead, not out of fear, but out of love. It’s an emotional listen, but an essential one.</p>
<p>Tomorrow’s episode will be a follow-up, where Nicole answers Erin’s questions about saving for medical care. But today, we focus on what Erin wanted most: peace of mind for her family.</p>
<p>Check out the company Nicole connected Erin with for estate planning, Trust and Will,<a href="http://bit.ly/46ngVpc"> <u>⁠here⁠</u></a> </p>
<p>Learn more about Veronica Escobar’s work and practice<a href="https://www.veronicaescobarlaw.com/"> <u>⁠here⁠</u></a></p>
<p>This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.</p>]]>
      </content:encoded>
      <itunes:duration>3086</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c62bc2c8-966d-11f0-90bf-bb5270b33832]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT6218692027.mp3?updated=1758406502" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Why Boring Businesses Are Skyrocketing— And How You Can Benefit</title>
      <description>PE is obsessed with this one sector right now: boring businesses. We're talking plumbing, pest control, cleaning companies— you know the ones. But this isn't just a move for PE investors; you can do it too. Nicole explains.</description>
      <pubDate>Mon, 29 Sep 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/10749d4e-7cad-11f0-a52d-f727f1db9320/image/63ef8bb633a84feaf4b37e9687ec7f34.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>PE is obsessed with this one sector right now: boring businesses. We're talking plumbing, pest control, cleaning companies— you know the ones. But this isn't just a move for PE investors; you can do it too. Nicole explains.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>PE is obsessed with this one sector right now: boring businesses. We're talking plumbing, pest control, cleaning companies— you know the ones. But this isn't just a move for PE investors; you can do it too. Nicole explains.</p>]]>
      </content:encoded>
      <itunes:duration>628</itunes:duration>
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    </item>
    <item>
      <title>“I’ve Never Invested Before and All My Money Is in a Savings Account. Help!”</title>
      <description>If your money is just sitting around in a savings account, chances are it could be working harder for you somewhere else. This is the exact situation facing the Money Rehabber Nicole talks to today. When they go a level deeper, Nicole discovers how anxiety around investing is also at play. If you’re feeling skittish around investing or just feel like your money could be doing more, this is for you!  </description>
      <pubDate>Mon, 22 Sep 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/bfa00a9e-7cab-11f0-9cea-9fdaea4d1314/image/9faa019a0945f9370a6a76d7202ade11.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>If your money is just sitting around in a savings account, chances are it could be working harder for you somewhere else. This is the exact situation facing the Money Rehabber Nicole talks to today. When they go a level deeper, Nicole discovers how anxiety around investing is also at play. If you’re feeling skittish around investing or just feel like your money could be doing more, this is for you!  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>If your money is just sitting around in a savings account, chances are it could be working harder for you somewhere else. This is the exact situation facing the Money Rehabber Nicole talks to today. When they go a level deeper, Nicole discovers how anxiety around investing is also at play. If you’re feeling skittish around investing or just feel like your money could be doing more, this is for you!  </p>]]>
      </content:encoded>
      <itunes:duration>1771</itunes:duration>
      <guid isPermaLink="false"><![CDATA[bfa00a9e-7cab-11f0-9cea-9fdaea4d1314]]></guid>
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    </item>
    <item>
      <title>How Margin Borrowing Can Supercharge or Destroy Your Investments</title>
      <description>With margin borrowing, you can give your investments a boost— but if you're not careful, you could also lose more than you gain. Nicole explains the concept, and whether it's a money move you should make.</description>
      <pubDate>Mon, 15 Sep 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6fe7c9d8-7cab-11f0-bf55-af74fd4abb80/image/876d5fbbbaa768c6130df1e707cf3669.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>With margin borrowing, you can give your investments a boost— but if you're not careful, you could also lose more than you gain. Nicole explains the concept, and whether it's a money move you should make.</itunes:summary>
      <content:encoded>
        <![CDATA[<p><br></p>
<p>With margin borrowing, you can give your investments a boost— but if you're not careful, you could also lose more than you gain. Nicole explains the concept, and whether it's a money move you should make.</p>]]>
      </content:encoded>
      <itunes:duration>581</itunes:duration>
      <guid isPermaLink="false"><![CDATA[6fe7c9d8-7cab-11f0-bf55-af74fd4abb80]]></guid>
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    </item>
    <item>
      <title>WTF is PE?</title>
      <description>Today, Nicole unpacks private equity (PE) by sharing how it works, who the big players are, and gives you the scoop on the deals that went really right and really wrong.</description>
      <pubDate>Mon, 08 Sep 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/02aefe90-7cab-11f0-b927-c33e9dcf3d18/image/85398c7e8613a8459c3a07da00654c5f.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Today, Nicole unpacks private equity (PE) by sharing how it works, who the big players are, and gives you the scoop on the deals that went really right and really wrong.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Today, Nicole unpacks private equity (PE) by sharing how it works, who the big players are, and gives you the scoop on the deals that went really right and really wrong.</p>]]>
      </content:encoded>
      <itunes:duration>621</itunes:duration>
      <guid isPermaLink="false"><![CDATA[02aefe90-7cab-11f0-b927-c33e9dcf3d18]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT1457329296.mp3?updated=1755574976" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Could Your Retirement Plan Be Secretly Invested in Crypto? Here's How To Check</title>
      <description>You could be invested in crypto, and not even know it. Nicole explains how this could happen, and what to do if you're secretly invested in this volatile asset.</description>
      <pubDate>Mon, 01 Sep 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/85ae551c-7caa-11f0-b2d0-2374f83ed1b5/image/7f27155bcccdacdc7869f8a4f017c1b3.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>You could be invested in crypto, and not even know it. Nicole explains how this could happen, and what to do if you're secretly invested in this volatile asset.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>You could be invested in crypto, and not even know it. Nicole explains how this could happen, and what to do if you're secretly invested in this volatile asset.</p>]]>
      </content:encoded>
      <itunes:duration>523</itunes:duration>
      <guid isPermaLink="false"><![CDATA[85ae551c-7caa-11f0-b2d0-2374f83ed1b5]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT2071124212.mp3?updated=1755574926" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>"How Do I Get My 401(k) From an Old Job?"</title>
      <description>Picture this: you have a job at a company with 401(k) benefits and then... you quit (or the job quits you). The good news is that money is still yours. But the retirement fairy won't just come and leave your 401(k) under your pillow. Nicole outlines the steps you need to take after leaving a job to make sure that your 401(k) is still working for you.</description>
      <pubDate>Mon, 25 Aug 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/243bd264-7caa-11f0-a7b7-bbfa427a3c54/image/954f1b39a8838c1b3c321572186cddb0.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Picture this: you have a job at a company with 401(k) benefits and then... you quit (or the job quits you). The good news is that money is still yours. But the retirement fairy won't just come and leave your 401(k) under your pillow. Nicole outlines the steps you need to take after leaving a job to make sure that your 401(k) is still working for you.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Picture this: you have a job at a company with 401(k) benefits and then... you quit (or the job quits you). The good news is that money is still yours. But the retirement fairy won't just come and leave your 401(k) under your pillow. Nicole outlines the steps you need to take after leaving a job to make sure that your 401(k) is still working for you.</p>]]>
      </content:encoded>
      <itunes:duration>495</itunes:duration>
      <guid isPermaLink="false"><![CDATA[243bd264-7caa-11f0-a7b7-bbfa427a3c54]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT4767185898.mp3?updated=1755574859" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To To Save on Holiday Travel</title>
      <description>An estimated 160 million Americans are planning to travel for the holidays. If you're one of them, here are five ways you can save on one of the busiest— and most expensive— travel times of the year. </description>
      <pubDate>Mon, 18 Aug 2025 04:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/882ec7d2-638b-11f0-8c48-6b0807bb2a70/image/ecc1fb2e12e3922ead8b5fb6f682fd69.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>An estimated 160 million Americans are planning to travel for the holidays. If you're one of them, here are five ways you can save on one of the busiest— and most expensive— travel times of the year. </itunes:summary>
      <content:encoded>
        <![CDATA[<p>An estimated 160 million Americans are planning to travel for the holidays. If you're one of them, here are five ways you can save on one of the busiest— and most expensive— travel times of the year. </p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>435</itunes:duration>
      <guid isPermaLink="false"><![CDATA[882ec7d2-638b-11f0-8c48-6b0807bb2a70]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT6270493176.mp3?updated=1753912884" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Handle Money and Love— With Tips from Jason Tartick</title>
      <description>Money can’t buy you love… but it sure can cost you a relationship, because financial conflict is a huge source of tension for many couples. Today, Nicole is joined by entrepreneur and author Jason Tartick about how to not let money ruin a relationship. Plus, Jason talks about his experience being scammed, which companies he’s bullish and bearish on, and what Elon Musk is like at a party.

Find Jason's latest book, Talk Money To Me: The 8 Essential Financial Questions to Discuss With Your Partner, here: https://www.jasontartick.com/talk-money-to-me</description>
      <pubDate>Mon, 11 Aug 2025 04:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9178ce6a-638a-11f0-8f81-8b00acc94f44/image/7914eae9ae2775ff4d6ecfc3f005c983.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Money can’t buy you love… but it sure can cost you a relationship, because financial conflict is a huge source of tension for many couples. Today, Nicole is joined by entrepreneur and author Jason Tartick about how to not let money ruin a relationship. Plus, Jason talks about his experience being scammed, which companies he’s bullish and bearish on, and what Elon Musk is like at a party.

Find Jason's latest book, Talk Money To Me: The 8 Essential Financial Questions to Discuss With Your Partner, here: https://www.jasontartick.com/talk-money-to-me</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Money can’t buy you love… but it sure can cost you a relationship, because financial conflict is a huge source of tension for many couples. Today, Nicole is joined by entrepreneur and author Jason Tartick about how to not let money ruin a relationship. Plus, Jason talks about his experience being scammed, which companies he’s bullish and bearish on, and what Elon Musk is like at a party.</p>
<p>Find Jason's latest book, Talk Money To Me: The 8 Essential Financial Questions to Discuss With Your Partner, here: https://www.jasontartick.com/talk-money-to-me</p>
<p><br></p>]]>
      </content:encoded>
      <itunes:duration>2328</itunes:duration>
      <guid isPermaLink="false"><![CDATA[9178ce6a-638a-11f0-8f81-8b00acc94f44]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT3707631336.mp3?updated=1753913001" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Save for Retirement If You're Self-Employed</title>
      <description>Today’s caller is living the freelance dream—flexible schedule, creative freedom, but… zero employer retirement benefits. If you’re self-employed and wondering how the heck you’re supposed to save for retirement without a 401(k), this episode is for you. Nicole breaks down the best retirement accounts for freelancers, how to reverse-engineer your savings plan, and how to turn “irregular income” into “regular savings.” Because yes, you can have a dreamy retirement, even without a W-2.</description>
      <pubDate>Mon, 04 Aug 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/0a5f2b5a-6389-11f0-b436-cf4522f332cc/image/b1fb037286038d43fbf5506361f38c5a.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Today’s caller is living the freelance dream—flexible schedule, creative freedom, but… zero employer retirement benefits. If you’re self-employed and wondering how the heck you’re supposed to save for retirement without a 401(k), this episode is for you. Nicole breaks down the best retirement accounts for freelancers, how to reverse-engineer your savings plan, and how to turn “irregular income” into “regular savings.” Because yes, you can have a dreamy retirement, even without a W-2.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Today’s caller is living the freelance dream—flexible schedule, creative freedom, but… zero employer retirement benefits. If you’re self-employed and wondering how the heck you’re supposed to save for retirement without a 401(k), this episode is for you. Nicole breaks down the best retirement accounts for freelancers, how to reverse-engineer your savings plan, and how to turn “irregular income” into “regular savings.” Because yes, you <em>can</em> have a dreamy retirement, even without a W-2.</p>]]>
      </content:encoded>
      <itunes:duration>1963</itunes:duration>
      <guid isPermaLink="false"><![CDATA[0a5f2b5a-6389-11f0-b436-cf4522f332cc]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT8408114317.mp3?updated=1753912937" length="0" type="audio/mpeg"/>
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    <item>
      <title>How to Invest in Foreign Markets</title>
      <description>Confidence in the U.S. is shaky right now—and with ongoing tariff drama and mixed economic signals, it’s no surprise investors are feeling uneasy. But here’s the thing: the U.S. is not your only option. Today, Nicole explains why looking beyond U.S. borders could be the smartest move for your portfolio right now. From “blue-chip” countries like Japan and Germany to emerging markets like India and Mexico, Nicole breaks down the best global investment plays, how to access them (spoiler: ETFs are your friend), and the tax traps to avoid. Diversification isn’t just smart—it’s essential.</description>
      <pubDate>Mon, 28 Jul 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/fff004ba-6387-11f0-9dfa-bf3ed70ead4f/image/d5baf42d6cdf3b68805e1cb8b96eb470.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Confidence in the U.S. is shaky right now—and with ongoing tariff drama and mixed economic signals, it’s no surprise investors are feeling uneasy. But here’s the thing: the U.S. is not your only option. Today, Nicole explains why looking beyond U.S. borders could be the smartest move for your portfolio right now. From “blue-chip” countries like Japan and Germany to emerging markets like India and Mexico, Nicole breaks down the best global investment plays, how to access them (spoiler: ETFs are your friend), and the tax traps to avoid. Diversification isn’t just smart—it’s essential.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Confidence in the U.S. is shaky right now—and with ongoing tariff drama and mixed economic signals, it’s no surprise investors are feeling uneasy. But here’s the thing: the U.S. is not your only option. Today, Nicole explains why looking beyond U.S. borders could be the smartest move for your portfolio right now. From “blue-chip” countries like Japan and Germany to emerging markets like India and Mexico, Nicole breaks down the best global investment plays, how to access them (spoiler: ETFs are your friend), and the tax traps to avoid. Diversification isn’t just smart—it’s essential.</p>]]>
      </content:encoded>
      <itunes:duration>792</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fff004ba-6387-11f0-9dfa-bf3ed70ead4f]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT4602915338.mp3?updated=1753912784" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Nicole Negotiates Her Rent!</title>
      <description>Money School Students want to know: can you negotiate your rent after signing a lease? Be a fly on the wall as Nicole negotiates her rent with her landlord! Can Nicole get a better deal? You’ll have to tune in to find out!</description>
      <pubDate>Mon, 21 Jul 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1f5e3abc-6386-11f0-9dfa-7bfbd5fa4db6/image/32a4447b5dd93a737361fdc843939b21.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Money School Students want to know: can you negotiate your rent after signing a lease? Be a fly on the wall as Nicole negotiates her rent with her landlord! Can Nicole get a better deal? You’ll have to tune in to find out!</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Money School Students want to know: can you negotiate your rent after signing a lease? Be a fly on the wall as Nicole negotiates her rent with her landlord! Can Nicole get a better deal? You’ll have to tune in to find out!</p>]]>
      </content:encoded>
      <itunes:duration>1053</itunes:duration>
      <guid isPermaLink="false"><![CDATA[1f5e3abc-6386-11f0-9dfa-7bfbd5fa4db6]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT6048966043.mp3?updated=1753912768" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How To Buy Your First Home with Scott Trench, CEO of BiggerPockets</title>
      <description>Wannabe first-time homebuyers: How are you doing? Are you hanging in? If you are having a hard time, you are certainly not alone; it is not a simple time to buy a home. So this episode is all about helping you develop a game plan that is right for you. To help break this down, Nicole is joined by Scott Trench, real estate investor and CEO of BiggerPockets - a platform that offers various stellar resources and content for real estate investors. 

Scott and Nicole talk about strategies to find a good house, whether your first home should be an investment property, and whether you should even buy a house at all.</description>
      <pubDate>Mon, 07 Jul 2025 04:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/5e31c838-5c76-11f0-827d-5b38a95d4bd3/image/a4c817a873e61d8d3b84f3e38f2fe784.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Wannabe first-time homebuyers: How are you doing? Are you hanging in? If you are having a hard time, you are certainly not alone; it is not a simple time to buy a home. So this episode is all about helping you develop a game plan that is right for you. To help break this down, Nicole is joined by Scott Trench, real estate investor and CEO of BiggerPockets - a platform that offers various stellar resources and content for real estate investors. 

Scott and Nicole talk about strategies to find a good house, whether your first home should be an investment property, and whether you should even buy a house at all.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Wannabe first-time homebuyers: How are you doing? Are you hanging in? If you are having a hard time, you are certainly not alone; it is not a simple time to buy a home. So this episode is all about helping you develop a game plan that is right for you. To help break this down, Nicole is joined by Scott Trench, real estate investor and CEO of BiggerPockets - a platform that offers various stellar resources and content for real estate investors. </p>
<p>Scott and Nicole talk about strategies to find a good house, whether your first home should be an investment property, and whether you should even buy a house at all.</p>]]>
      </content:encoded>
      <itunes:duration>2101</itunes:duration>
      <guid isPermaLink="false"><![CDATA[5e31c838-5c76-11f0-827d-5b38a95d4bd3]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT6512537439.mp3?updated=1752032845" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Protect Your Money with Law Mother</title>
      <description>As Nicole always says: when it comes to your money, it's not what you make, but what you keep, that matters. Today, Pamela Maass-Garrett (the brilliant lawyer behind the Law Mother firm and viral Instagram account) teaches you how to keep more of your money with simple financial protection strategies. 

Check out Pamela's book Legally Ever After here: https://www.lawmotherco.com/lea-fbook</description>
      <pubDate>Mon, 16 Jun 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/21701402-3c07-11f0-83bb-9bc81413d399/image/f0e38007fca3ad94ac9363c9d6614781.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>As Nicole always says: when it comes to your money, it's not what you make, but what you keep, that matters. Today, Pamela Maass-Garrett (the brilliant lawyer behind the Law Mother firm and viral Instagram account) teaches you how to keep more of your money with simple financial protection strategies. 

Check out Pamela's book Legally Ever After here: https://www.lawmotherco.com/lea-fbook</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As Nicole always says: when it comes to your money, it's not what you make, but what you keep, that matters. Today, Pamela Maass-Garrett (the brilliant lawyer behind the Law Mother firm and viral Instagram account) teaches you how to keep more of your money with simple financial protection strategies. </p>
<p>Check out Pamela's book Legally Ever After here: https://www.lawmotherco.com/lea-fbook </p>]]>
      </content:encoded>
      <itunes:duration>1928</itunes:duration>
      <guid isPermaLink="false"><![CDATA[21701402-3c07-11f0-83bb-9bc81413d399]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT1850649299.mp3?updated=1752032849" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Make Passive Income From Investing</title>
      <description>You’ve heard the old investing advice: “buy low, sell high.” But what if we told you that selling isn’t the only way to make money from your investments? Today, Nicole breaks down three easy, low-maintenance ways to generate income: bonds, high-yield cash accounts, and dividend stocks. Whether you’re looking to diversify your portfolio or just want your money working for you while you do literally anything else, this episode has you covered.

To start exploring your passive income options today, go to ⁠public.com/moneyrehab⁠



All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, member FINRA &amp; SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Treasury accounts offering 6 months T-Bills are offered by Jiko Securities, Inc.,member FINRA &amp; SIPC. Securities in your account are protected up to $500,000. For details: ⁠www.sipc.org⁠. Banking services and the Bank Accounts are provided by Jiko Bank, a division of Mid- Central National Bank. For U.S. Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value. Treasuries risk disclosures, see ⁠https://jiko.io/docs/treasuries_risk_disclosure.pdf⁠. See ⁠public.com/#disclosures-main⁠ 

Advisory services for Treasury Accounts are provided by Public Advisors, an SEC-registered investment adviser. Public Advisors and Public Investing are affiliates and both charge a fee for their respective services. For more details, see Public Advisors’ Form CRS, Form ADV Part 2A, Fee Schedule, and Treasury Account page.

*4.1% APY as of 2/4/25. APY is variable and subject to change.</description>
      <pubDate>Mon, 09 Jun 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e63c042c-3c06-11f0-b112-974e2c9df620/image/70c0ca29ddd02465556f7a6f064a2b10.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>You’ve heard the old investing advice: “buy low, sell high.” But what if we told you that selling isn’t the only way to make money from your investments? Today, Nicole breaks down three easy, low-maintenance ways to generate income: bonds, high-yield cash accounts, and dividend stocks. Whether you’re looking to diversify your portfolio or just want your money working for you while you do literally anything else, this episode has you covered.

To start exploring your passive income options today, go to ⁠public.com/moneyrehab⁠



All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, member FINRA &amp; SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Treasury accounts offering 6 months T-Bills are offered by Jiko Securities, Inc.,member FINRA &amp; SIPC. Securities in your account are protected up to $500,000. For details: ⁠www.sipc.org⁠. Banking services and the Bank Accounts are provided by Jiko Bank, a division of Mid- Central National Bank. For U.S. Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value. Treasuries risk disclosures, see ⁠https://jiko.io/docs/treasuries_risk_disclosure.pdf⁠. See ⁠public.com/#disclosures-main⁠ 

Advisory services for Treasury Accounts are provided by Public Advisors, an SEC-registered investment adviser. Public Advisors and Public Investing are affiliates and both charge a fee for their respective services. For more details, see Public Advisors’ Form CRS, Form ADV Part 2A, Fee Schedule, and Treasury Account page.

*4.1% APY as of 2/4/25. APY is variable and subject to change.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>You’ve heard the old investing advice: “buy low, sell high.” But what if we told you that selling isn’t the only way to make money from your investments? Today, Nicole breaks down three easy, low-maintenance ways to generate income: bonds, high-yield cash accounts, and dividend stocks. Whether you’re looking to diversify your portfolio or just want your money working for you while you do literally anything else, this episode has you covered.</p>
<p>To start exploring your passive income options today, go to <a href="http://public.com/moneyrehab">⁠public.com/moneyrehab⁠</a></p>
<p><br></p>
<p><em>All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, member FINRA &amp; SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Treasury accounts offering 6 months T-Bills are offered by Jiko Securities, Inc.,member FINRA &amp; SIPC. Securities in your account are protected up to $500,000. For details: </em><a href="http://www.sipc.org/">⁠<em>www.sipc.org</em>⁠</a><em>. Banking services and the Bank Accounts are provided by Jiko Bank, a division of Mid- Central National Bank. For U.S. </em><em><strong>Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value. </strong></em><em>Treasuries risk disclosures, see </em><a href="https://jiko.io/docs/treasuries_risk_disclosure.pdf">⁠<em>https://jiko.io/docs/treasuries_risk_disclosure.pdf</em>⁠</a><em>. See </em><a href="http://public.com/#disclosures-main">⁠<em>public.com/#disclosures-main</em>⁠</a><em> </em></p>
<p>Advisory services for Treasury Accounts are provided by Public Advisors, an SEC-registered investment adviser. Public Advisors and Public Investing are affiliates and both charge a fee for their respective services. For more details, see Public Advisors’ Form CRS, Form ADV Part 2A, Fee Schedule, and Treasury Account page.</p>
<p>*4.1% APY as of 2/4/25. APY is variable and subject to change.</p>]]>
      </content:encoded>
      <itunes:duration>675</itunes:duration>
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    </item>
    <item>
      <title>How to Recession-Proof Your Finances</title>
      <description>Today Nicole answers the #1 question she's been getting lately: what do I do with my money when the economy gets shaky? Nicole shares the investments that have historically stood the test of time during recessions, and even thrived in high-inflation environments</description>
      <pubDate>Mon, 02 Jun 2025 07:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/be3336f8-3c06-11f0-ba9c-57ac0639950b/image/64cc0ac8715b8934a4cb2f591f6822a3.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Today Nicole answers the #1 question she's been getting lately: what do I do with my money when the economy gets shaky? Nicole shares the investments that have historically stood the test of time during recessions, and even thrived in high-inflation environments</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Today Nicole answers the #1 question she's been getting lately: what do I do with my money when the economy gets shaky? Nicole shares the investments that have historically stood the test of time during recessions, and even thrived in high-inflation environments</p>]]>
      </content:encoded>
      <itunes:duration>424</itunes:duration>
      <guid isPermaLink="false"><![CDATA[be3336f8-3c06-11f0-ba9c-57ac0639950b]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT1735666772.mp3?updated=1748878062" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Invest in Foreign Markets</title>
      <description>Consumer confidence in the U.S. is shaky right now—and with ongoing tariff drama and mixed economic signals, it’s no surprise investors are feeling uneasy. But here’s the thing: the U.S. is not your only option. Today, Nicole explains why looking beyond U.S. borders could be the smartest move for your portfolio right now. From “blue-chip” countries like Japan and Germany to emerging markets like India and Mexico, Nicole breaks down the best global investment plays, how to access them (spoiler: ETFs are your friend), and the tax traps to avoid. Diversification isn’t just smart—it’s essential.</description>
      <pubDate>Wed, 28 May 2025 20:57:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/56d963f6-3c06-11f0-a6f4-4bdad867a411/image/d5baf42d6cdf3b68805e1cb8b96eb470.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Consumer confidence in the U.S. is shaky right now—and with ongoing tariff drama and mixed economic signals, it’s no surprise investors are feeling uneasy. But here’s the thing: the U.S. is not your only option. Today, Nicole explains why looking beyond U.S. borders could be the smartest move for your portfolio right now. From “blue-chip” countries like Japan and Germany to emerging markets like India and Mexico, Nicole breaks down the best global investment plays, how to access them (spoiler: ETFs are your friend), and the tax traps to avoid. Diversification isn’t just smart—it’s essential.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Consumer confidence in the U.S. is shaky right now—and with ongoing tariff drama and mixed economic signals, it’s no surprise investors are feeling uneasy. But here’s the thing: the U.S. is not your only option. Today, Nicole explains why looking beyond U.S. borders could be the smartest move for your portfolio right now. From “blue-chip” countries like Japan and Germany to emerging markets like India and Mexico, Nicole breaks down the best global investment plays, how to access them (spoiler: ETFs are your friend), and the tax traps to avoid. Diversification isn’t just smart—it’s essential.</p>]]>
      </content:encoded>
      <itunes:duration>792</itunes:duration>
      <guid isPermaLink="false"><![CDATA[56d963f6-3c06-11f0-a6f4-4bdad867a411]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT6131376028.mp3?updated=1748466252" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Benefit From Inflation</title>
      <description>There's a chance that inflation may rise at the top of next year. To prep, Nicole shares four inflation-proof investments to help your portfolio.</description>
      <pubDate>Thu, 05 Dec 2024 06:10:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a9a25d56-b2cf-11ef-b40b-7f9802586884/image/1e44631941f78325622f6bc3a09d0081.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>There's a chance that inflation may rise at the top of next year. To prep, Nicole shares four inflation-proof investments to help your portfolio.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>There's a chance that inflation may rise at the top of next year. To prep, Nicole shares four inflation-proof investments to help your portfolio.</p>]]>
      </content:encoded>
      <itunes:duration>529</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a9a25d56-b2cf-11ef-b40b-7f9802586884]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT7714268477.mp3?updated=1733379403" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Sign Up for a FSA and HSA (and Why You Want To)</title>
      <description>Happy Open Enrollment, Money Rehabbers! When you pick your health insurance plan, you're likely going to encounter FSAs or HSAs. Today, Nicole explains the difference between the two— and how to get the most out of both of them.</description>
      <pubDate>Thu, 05 Dec 2024 06:05:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:season>2</itunes:season>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/e72ed63c-b2ce-11ef-8a97-c75c3582881a/image/89bbff5d7f8ba5364ca854ebd01450ae.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Happy Open Enrollment, Money Rehabbers! When you pick your health insurance plan, you're likely going to encounter FSAs or HSAs. Today, Nicole explains the difference between the two— and how to get the most out of both of them.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Happy Open Enrollment, Money Rehabbers! When you pick your health insurance plan, you're likely going to encounter FSAs or HSAs. Today, Nicole explains the difference between the two— and how to get the most out of both of them.</p>]]>
      </content:encoded>
      <itunes:duration>728</itunes:duration>
      <guid isPermaLink="false"><![CDATA[e72ed63c-b2ce-11ef-8a97-c75c3582881a]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT4524324722.mp3?updated=1733379132" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Negotiate With Your Credit Card Company</title>
      <description>If you're not negotiating these three things, you're leaving money on the table. It's your hard-earned money, you might as well fight for it!
Listen to Nicole negotiate with her credit card company here: https://link.chtbl.com/IFiJEybg</description>
      <pubDate>Thu, 05 Dec 2024 05:58:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:season>1</itunes:season>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/eee2e14e-b2cd-11ef-a274-f7519a128250/image/08233330c1c26812f92220a677167be1.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>If you're not negotiating these three things, you're leaving money on the table. It's your hard-earned money, you might as well fight for it!
Listen to Nicole negotiate with her credit card company here: https://link.chtbl.com/IFiJEybg</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you're not negotiating these three things, you're leaving money on the table. It's your hard-earned money, you might as well fight for it!</p><p>Listen to Nicole negotiate with her credit card company here: https://link.chtbl.com/IFiJEybg</p>]]>
      </content:encoded>
      <itunes:duration>450</itunes:duration>
      <guid isPermaLink="false"><![CDATA[eee2e14e-b2cd-11ef-a274-f7519a128250]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT7484743753.mp3?updated=1733379096" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Negotiate Medical Debt</title>
      <description>Last year, Nicole had a medical scare... which only got scarier when the bills started rolling in. Today, Nicole shares how she negotiated her medical bills and takes you behind the scenes of a real conversation she had with a medical provider.</description>
      <pubDate>Thu, 05 Dec 2024 05:56:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:season>2</itunes:season>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/be14a822-b2cd-11ef-9be7-8f93e5159f9a/image/1c0be3debf036eb8ea704c9b4e544fc7.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Last year, Nicole had a medical scare... which only got scarier when the bills started rolling in. Today, Nicole shares how she negotiated her medical bills and takes you behind the scenes of a real conversation she had with a medical provider.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Last year, Nicole had a medical scare... which only got scarier when the bills started rolling in. Today, Nicole shares how she negotiated her medical bills and takes you behind the scenes of a real conversation she had with a medical provider.</p>]]>
      </content:encoded>
      <itunes:duration>888</itunes:duration>
      <guid isPermaLink="false"><![CDATA[be14a822-b2cd-11ef-9be7-8f93e5159f9a]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT5873925744.mp3?updated=1733378884" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Trade Options</title>
      <description>Nicole has always opted for slow-and-steady investing versus hyped-up, get-rich-quick trading. But, there are trading strategies that are more calculated, and can almost act as an insurance policy against risk of losses. To give us the masterclass on these strategies and more is investing expert Dominique Broadway.

All investment and trading strategies involve risk of loss. The content you hear on this podcast is for entertainment and education purposes only and does not constitute financial advice by our hosts or by Money News Network.  </description>
      <pubDate>Wed, 23 Oct 2024 05:41:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:season>1</itunes:season>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6e1c0268-9101-11ef-9990-1b157321c7c8/image/4464da8e1eae18608d9811e08e29e55c.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Nicole has always opted for slow-and-steady investing versus hyped-up, get-rich-quick trading. But, there are trading strategies that are more calculated, and can almost act as an insurance policy against risk of losses. To give us the masterclass on these strategies and more is investing expert Dominique Broadway.

All investment and trading strategies involve risk of loss. The content you hear on this podcast is for entertainment and education purposes only and does not constitute financial advice by our hosts or by Money News Network.  </itunes:summary>
      <content:encoded>
        <![CDATA[<p>Nicole has always opted for slow-and-steady investing versus hyped-up, get-rich-quick trading. But, there are trading strategies that are more calculated, and can almost act as an insurance policy against risk of losses. To give us the masterclass on these strategies and more is investing expert Dominique Broadway.</p><p><br></p><p><em>All investment and trading strategies involve risk of loss. The content you hear on this podcast is for entertainment and education purposes only and does not constitute financial advice by our hosts or by Money News Network.  </em></p>]]>
      </content:encoded>
      <itunes:duration>2339</itunes:duration>
      <guid isPermaLink="false"><![CDATA[6e1c0268-9101-11ef-9990-1b157321c7c8]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT7846316224.mp3?updated=1733378891" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Determine How Much Money You Really Need For Retirement</title>
      <description>The very first step in making a successful retirement plan (yes, even before starting that IRA) is to know how much you’ll actually need for retirement. Today, Nicole answers a question from a listener about how the heck to make that prediction.</description>
      <pubDate>Wed, 09 Oct 2024 15:10:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:season>1</itunes:season>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a219c99e-8650-11ef-af30-83424458d709/image/460871f7d220782f0d8669db6e27baeb.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>The very first step in making a successful retirement plan (yes, even before starting that IRA) is to know how much you’ll actually need for retirement. Today, Nicole answers a question from a listener about how the heck to make that prediction.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>The<strong> </strong>very first step in making a successful retirement plan (yes, even before starting that IRA) is to know how much you’ll actually need for retirement. Today, Nicole answers a question from a listener about how the heck to make that prediction. </p>]]>
      </content:encoded>
      <itunes:duration>604</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a219c99e-8650-11ef-af30-83424458d709]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT6760862171.mp3?updated=1728487474" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Cancel Medical Debt</title>
      <description>Nearly 1 in 10 adults in the U.S. owe significant medical debt, totaling $195 billion nationwide. Today, Nicole gives three tips to help you manage— or even cancel— your medical debt.</description>
      <pubDate>Wed, 09 Oct 2024 15:02:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:season>1</itunes:season>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/7f35629a-864f-11ef-addf-73e594611737/image/f7737c56087bff2280521b88a400b074.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Nearly 1 in 10 adults in the U.S. owe significant medical debt, totaling $195 billion nationwide. Today, Nicole gives three tips to help you manage— or even cancel— your medical debt.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Nearly 1 in 10 adults in the U.S. owe significant medical debt, totaling $195 billion nationwide. Today, Nicole gives three tips to help you manage— or even cancel— your medical debt.</p>]]>
      </content:encoded>
      <itunes:duration>610</itunes:duration>
      <guid isPermaLink="false"><![CDATA[7f35629a-864f-11ef-addf-73e594611737]]></guid>
      <enclosure url="https://pscrb.fm/rss/p/traffic.megaphone.fm/MMNNT6497423893.mp3?updated=1728487390" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What to Ask Your Employer About Stock Options</title>
      <description>When Facebook went public, 88 employees saw the value of their equity exceed $30 million. That’s the dream right? But not only is this dream rare, it can actually turn into a nightmare if you don’t ask your company the right questions about your stock options. Today Nicole talks about how to protect yourself from this nightmare scenario with Tracy DiNunzio, a brilliant entrepreneur who built and sold the luxury resale company Tradesy. Nicole and Tracy explain what you should ask your employer about your equity, and if you get a job offer with a large equity component, how to evaluate if the opportunity is a good one.</description>
      <pubDate>Tue, 24 Sep 2024 19:19:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:season>1</itunes:season>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f5469c44-7aa9-11ef-a08c-e3ce18a987b9/image/ccdecfa28b1b85d6b6ddd3fab1cb1dd3.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>When Facebook went public, 88 employees saw the value of their equity exceed $30 million. That’s the dream right? But not only is this dream rare, it can actually turn into a nightmare if you don’t ask your company the right questions about your stock options. Today Nicole talks about how to protect yourself from this nightmare scenario with Tracy DiNunzio, a brilliant entrepreneur who built and sold the luxury resale company Tradesy. Nicole and Tracy explain what you should ask your employer about your equity, and if you get a job offer with a large equity component, how to evaluate if the opportunity is a good one.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>When Facebook went public, 88 employees saw the value of their equity exceed $30 million. That’s the dream right? But not only is this dream rare, it can actually turn into a nightmare if you don’t ask your company the right questions about your stock options. Today Nicole talks about how to protect yourself from this nightmare scenario with Tracy DiNunzio, a brilliant entrepreneur who built and sold the luxury resale company Tradesy. Nicole and Tracy explain what you should ask your employer about your equity, and if you get a job offer with a large equity component, how to evaluate if the opportunity is a good one.</p>]]>
      </content:encoded>
      <itunes:duration>2763</itunes:duration>
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    <item>
      <title>How to Get a Raise</title>
      <description>Asking for a raise is certainly an art. Nicole shares all her advice for mastering this art— from when to ask, what to say, and even what to bring with you to the meeting.</description>
      <pubDate>Mon, 16 Sep 2024 04:10:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:season>1</itunes:season>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9d2d4f04-73e1-11ef-b97f-a7e1a56e1bea/image/0379b2f3b040295318ab084c44d26b2c.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Asking for a raise is certainly an art. Nicole shares all her advice for mastering this art— from when to ask, what to say, and even what to bring with you to the meeting.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Asking for a raise is certainly an art. Nicole shares all her advice for mastering this art— from when to ask, what to say, and even what to bring with you to the meeting.</p>]]>
      </content:encoded>
      <itunes:duration>618</itunes:duration>
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    <item>
      <title>How to Increase Your Credit Score</title>
      <description>Your credit score is your financial report card... except, more important than your report card from school, because your credit score will play a big role in determining your mortgage. Today, Nicole explains how to show your credit score some love.</description>
      <pubDate>Mon, 16 Sep 2024 04:02:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:season>1</itunes:season>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/77ea2e66-73e0-11ef-802e-ffddc9cb0711/image/b37ee345d4bf5b238ba47d52e81e1460.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Your credit score is your financial report card... except, more important than your report card from school, because your credit score will play a big role in determining your mortgage. Today, Nicole explains how to show your credit score some love.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your credit score is your financial report card... except, more important than your report card from school, because your credit score will play a big role in determining your mortgage. Today, Nicole explains how to show your credit score some love.</p>]]>
      </content:encoded>
      <itunes:duration>617</itunes:duration>
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    <item>
      <title>How to Get Out of Debt</title>
      <description>Like any good sponsor, Nicole can talk the talk because she’s been in Money Rehab herself. At one point, Nicole was in $5,000 of credit card debt. In this episode, she tells the story of how she faced that debt and got rid of it for good.</description>
      <pubDate>Mon, 16 Sep 2024 03:54:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:season>1</itunes:season>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/55f5717c-73df-11ef-84d0-8bd451bd1ad5/image/2fee69ff7ca9c189f8580ab71d0f0664.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Like any good sponsor, Nicole can talk the talk because she’s been in Money Rehab herself. At one point, Nicole was in $5,000 of credit card debt. In this episode, she tells the story of how she faced that debt and got rid of it for good.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Like any good sponsor, Nicole can talk the talk because she’s been in Money Rehab herself. At one point, Nicole was in $5,000 of credit card debt. In this episode, she tells the story of how she faced that debt and got rid of it for good.</p><p><br></p>]]>
      </content:encoded>
      <itunes:duration>491</itunes:duration>
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    <item>
      <title>How to Make Your First Investment</title>
      <description>Nicole's DMs are open for questions, and the #1 question she gets isn't what to invest in... but how to invest. Today, she takes you through making your first investment, step-by-step, and leaves no stone unturned.</description>
      <pubDate>Mon, 16 Sep 2024 03:43:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:season>1</itunes:season>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/da242d96-73dd-11ef-bb0f-bb2c449bef7b/image/d4f8a9d94ab77311b760f19d186a1498.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Nicole's DMs are open for questions, and the #1 question she gets isn't what to invest in... but how to invest. Today, she takes you through making your first investment, step-by-step, and leaves no stone unturned.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Nicole's DMs are open for questions, and the #1 question she gets isn't what to invest in... but how to invest. Today, she takes you through making your first investment, step-by-step, and leaves no stone unturned.</p><p><br></p>]]>
      </content:encoded>
      <itunes:duration>963</itunes:duration>
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    <item>
      <title>How to Make a Budget </title>
      <description>Nicole covers exactly how much should go toward your essential spending, what the heck you have to put toward retirement, and how much you get to spend on the fun stuff: vacations and bottomless-mimosa brunches.</description>
      <pubDate>Mon, 16 Sep 2024 03:41:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:season>1</itunes:season>
      <itunes:episode>1</itunes:episode>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8bcda73a-73dd-11ef-b6e5-7763200ea411/image/35f2f10d99e452ae6d9df7890b5c668b.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Nicole covers exactly how much should go toward your essential spending, what the heck you have to put toward retirement, and how much you get to spend on the fun stuff: vacations and bottomless-mimosa brunches.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Nicole covers exactly how much should go toward your essential spending, what the heck you have to put toward retirement, and how much you get to spend on the fun stuff: vacations and bottomless-mimosa brunches. </p>]]>
      </content:encoded>
      <itunes:duration>1228</itunes:duration>
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    <item>
      <title>Welcome to Money Rehab: Essentials</title>
      <description>Money Rehab: Essentials is the home of the most foundational Money Rehab episodes that break down the FAQ-financial topics. Think of it as your financial starter kit, packed with the episodes that are going to make the biggest impact on your wallet, your peace of mind, and your financial future. In this feed, you’ll hear hand-picked episodes from Nicole that tackle the core pillars of personal finance— think budgeting, saving, investing, debt management, and financial independence. In these episodes, Nicole does the financial blocking and tackling in a way that's practical, actionable, and, of course, totally judgment and jargon free.</description>
      <pubDate>Mon, 09 Sep 2024 17:42:00 -0000</pubDate>
      <itunes:episodeType>trailer</itunes:episodeType>
      <itunes:author>Money News Network</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/71a9d8ca-6ed2-11ef-8532-5f7c489ebd0c/image/ea7da773af6509423bbba5cc533f6191.png?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Money Rehab: Essentials is the home of the most foundational Money Rehab episodes that break down the FAQ-financial topics. Think of it as your financial starter kit, packed with the episodes that are going to make the biggest impact on your wallet, your peace of mind, and your financial future. In this feed, you’ll hear hand-picked episodes from Nicole that tackle the core pillars of personal finance— think budgeting, saving, investing, debt management, and financial independence. In these episodes, Nicole does the financial blocking and tackling in a way that's practical, actionable, and, of course, totally judgment and jargon free.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Money Rehab: Essentials is the home of the most foundational Money Rehab episodes that break down the FAQ-financial topics. Think of it as your financial starter kit, packed with the episodes that are going to make the biggest impact on your wallet, your peace of mind, and your financial future. In this feed, you’ll hear hand-picked episodes from Nicole that tackle the core pillars of personal finance— think budgeting, saving, investing, debt management, and financial independence. In these episodes, Nicole does the financial blocking and tackling in a way that's practical, actionable, and, of course, totally judgment and jargon free.</p>]]>
      </content:encoded>
      <itunes:duration>138</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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