Habits and Hustle

You can make a lot of money and still have no idea if you are actually financially secure. A bigger paycheck does not automatically mean you are building wealth, making smart decisions, or setting yourself up for the future.
We dive deeper into this in Habits & Hustle with Jean Chatzky. We talk about the habits that actually build wealth, how much you should be saving, and why getting control of your money often comes down to a few simple decisions you repeat consistently.
Jean Chatzky is a financial journalist, the founder of HerMoney, and spent 25 years as the financial editor of the Today Show. She has also made plenty of money mistakes herself, which is part of what makes her advice so practical. Her approach is about taking something that feels intimidating and breaking it down into choices people can actually understand and use.
What's Discussed:
(3:18) Why personal finance is usually much simpler than people make it seem. 
(8:25) Why automating your money can prevent some of your biggest financial mistakes. 
(18:05) The one thing everyone should do this month to improve their finances. 
(19:09) The money habit that separates people building wealth from people who simply earn a good income. 
(26:24) Why your 50s or even 60s may not be too late to seriously improve your retirement. 
(31:19) Why making kids spend their own money may be one of the best ways to teach them its value. 
(40:49) Why everyone in a relationship should have money of their own. 
(45:55) How everyday purchases like coffee can quietly add up to thousands of dollars a year. 
(1:03:48) The simplest way to start investing in 2026 if you have absolutely no idea where to begin. 
(1:08:58) Why the boring basics still beat most of the flashy financial advice people chase.
 
Thank You to Our Sponsors!
Magic Mind: Head over to magicmind.com/jen and use code JEN at checkout.
Momentous: Ready to try supplements that actually do what they claim? Head to livemomentous.com and use code JEN for 35% off your first subscription. 
Tru Niagen®: For supplements that are rigorously tested, third-party verified, and actually deliver what's on the label, head to truniagen.com
Kion: Visit getkion.com/habits for 20% off

Find more from Jen Cohen:
Website: jennifercohen.com

Instagram: @therealjencohen
Books: jennifercohen.com/books
Speaking: jennifercohen.com/speaking-engagements
 
Find more from Jean Chatzky & HerMoney: 
Website: hermoney.com
Instagram: @jeanchatzky
Facebook: Jean Chatzky
LinkedIn: Jean Chatzky
YouTube: HerMoney
Book: The Forever Paycheck

What happens when AI gets so good that it starts competing with real human connection? We're already seeing people form relationships with chatbots, turn to AI when they're lonely, and create digital companions that can respond exactly how they want. The bigger question is what happens when technology becomes easier than dealing with the messiness of actual people.
We dive deeper into this in today's episode of Habits & Hustle. I sit down with Hamet Watt to talk about how quickly AI is evolving, why everyone needs to learn how to use it, and the opportunities and risks that come with technology becoming more powerful, personalized, and integrated into our everyday lives.
We also get into AI companions, the loneliness loop, whether real relationships will eventually have to compete with programmable ones, and the very real possibility that AI changes human behavior long before we ever get anywhere close to the sci-fi version everyone is afraid of.
What's Discussed:
 
(07:11) What's changing so quickly in AI right now.
(09:41) How AI can become smarter than the humans who built it.
(13:25) What happened when AI was told it would be shut down.
(15:21) How ChatGPT, Claude, and other AI platforms compare.
(19:21) Why learning how to use AI is becoming unavoidable.
(20:35) How AI could change dating, relationships, and human connection.
(24:18) Why people are becoming emotionally attached to AI partners.
(26:22) How loneliness and AI companions can create a dangerous loop.
 
Thank You to Our Sponsors!

Magic Mind: Head over to magicmind.com/jen and use code JEN at checkout.
Momentous: Ready to try supplements that actually do what they claim? Head to livemomentous.com and use code JEN for 35% off your first subscription. 
Kion: Visit getkion.com/habits for 20% off.
Tru Niagen®: For supplements that are rigorously tested, third-party verified, and actually deliver what's on the label, head to truniagen.com
 
Find more from Jen Cohen:
Website: jennifercohen.com
Instagram: @therealjencohen
Books: jennifercohen.com/books
Speaking: jennifercohen.com/speaking-engagements
 
Find more from Hamet Watt:
LinkedIn: Hamet Watt

What if the biggest mistake you are making with your skin is following whatever treatment happens to be trending right now? Between lasers, injectables, devices, fillers, and endless skincare advice online, it is getting harder to tell what your skin actually needs and what could be a waste of money.
We dive deeper into this in Habits & Hustle with Melissa Haloossim. We also chat about which anti-aging treatments are overhyped, why the person performing your treatment matters so much, and how filters and social media are changing the way people see their own faces.
Melissa Haloossim is a nurse practitioner, founder of Skin Thesis, and has spent more than 20 years working in aesthetic medicine. Her approach is highly individualized, with a focus on choosing treatments based on the person, their skin, and the result they are actually trying to achieve.
What's Discussed:
(11:33) Why some skin-tightening treatments can destroy facial fat and make you look older.
(15:05) The difference between lasers, radiofrequency, and ultrasound.
(21:23) Why doing too much to your face can actually age you faster.
(39:21) Why chasing trendy treatments is one of the biggest skincare mistakes after 40.
(45:11) What actually ages your face the most.
(57:46) What to prioritize when you are on a skincare budget.
(1:05:47) Why retinol still matters for anti-aging.
(1:06:41) Why filler does not actually lift your face.
(1:09:44) Why Melissa calls XERF one of the most overrated treatments right now.
(1:26:53) How filters are changing the way people see their own faces.
 
Thank You to Our Sponsors!
Magic Mind: Head over to magicmind.com/jen and use code JEN at checkout.
Momentous: Ready to try supplements that actually do what they claim? Head to livemomentous.com and use code JEN for 35% off your first subscription. 
Therasage: Visit therasage.com and use code JEN to get 15% off your order. Your skin
Prolon: Prolon is offering listeners 30% off sitewide plus a $40 bonus gift when you subscribe to their 5-Day Program! Just visit prolonlife.com/JENNIFERCOHEN and use code JENNIFERCOHEN to claim your discount and your bonus gift.
Tru Niagen®: For supplements that are rigorously tested, third-party verified, and actually deliver what's on the label, head to truniagen.com
Kion: Visit getkion.com/habits for 20% off

Find more from Jen Cohen:
Website: jennifercohen.com

Instagram: @therealjencohen
Books: jennifercohen.com/books
Speaking: jennifercohen.com/speaking-engagements
 
Find more from Melissa Haloossim & Skin Thesis:
Website: skinthesisinc.com
Instagram: @melissah_np
Facebook: Skin Thesis
LinkedIn: Melissa Haloossim

What if you are expecting too much from yourself in one week and far too little from what you could accomplish in six months? Real change often happens through small decisions repeated long enough to create momentum, even when progress feels slow.
We dive deeper into this in today's solo episode of Habits & Hustle. I talk about why the boring middle is where so many people give up, how your daily habits shape where you end up, and actionable ways to start making choices now that can put you in a completely different place six months from today.
I also get into personal responsibility, why feeling stuck can become a mindset, and how taking more ownership over your health, career, relationships, or confidence can change the trajectory of your life.
What's Discussed:
(00:00) How much your life can change in six months.
(01:31) Why we underestimate what six months can do.
(01:58) How to push through the boring middle.
(02:46) Why daily habits shape your results.
(04:32) How feeling stuck can limit your agency.
(05:29) Why taking responsibility changes everything.
(06:55) How to choose one area to improve.
(08:02) Why the next six months matter.
 
Thank You to Our Sponsors!

Magic Mind: Head over to magicmind.com/jen and use code JEN at checkout.
Momentous: Ready to try supplements that actually do what they claim? Head to livemomentous.com and use code JEN for 35% off your first subscription. 
Therasage: Visit therasage.com and use code JEN to get 15% off your order. Your skin
Prolon: Prolon is offering listeners 30% off sitewide plus a $40 bonus gift when you subscribe to their 5-Day Program! Just visit prolonlife.com/JENNIFERCOHEN and use code JENNIFERCOHEN to claim your discount and your bonus gift.
Kion: Visit getkion.com/habits for 20% off.
Tru Niagen®: For supplements that are rigorously tested, third-party verified, and actually deliver what's on the label, head to truniagen.com
 
Find more from Jen Cohen: 

Website: jennifercohen.com

Instagram: @therealjencohen
Books: jennifercohen.com/books
Speaking: jennifercohen.com/speaking-engagements

A lot of parenting mistakes start with something we rarely look at: our own unhealed fears, insecurities, and expectations. When those patterns go unchecked, kids can end up carrying pressure that was never really theirs.
We dive deeper into this in Habits & Hustle with Dr. Shefali. We also chat about raising confident and independent kids, giving sons and daughters room to use their voice, and how social media is shaping their identity and self-worth.
Dr. Shefali is a clinical psychologist, New York Times bestselling author, and founder of the Conscious Parenting movement. She trained at Columbia University and is the author of multiple books on conscious parenting.
Check out Dr. Shefali's latest books "Raising Conscious Daughters" and "Raising Conscious Sons" at www.drshefali.com/books
What's Discussed:
(07:49) How social media algorithms can exploit the different vulnerabilities of teenage girls and boys, from girls seeking approval and belonging to boys being exposed to pornography and manosphere content.
(15:15) Why Dr. Shefali calls the way girls build their identity through likes, reactions, comparison, and digital feedback the "perception prison," and how parents can help reduce overstimulation.
(20:58) Why daughters need opportunities to disagree, push back, and practice boundaries with their fathers so they learn to use their voice outside the home.
(24:12) Why boys may connect through movement, challenge, problem-solving, and physical activity, and how constantly pushing them to verbalize their feelings can create more distance.
(27:55) Why a son wanting less physical affection as he gets older does not necessarily mean he loves his mother less, and how giving him space can support his growing independence.
(29:24) How giving boys responsibility, leadership opportunities, physical challenges, and ways to contribute can help build competence and a stronger sense of worth.
(38:45) How parents can project their own unhealed insecurities onto their children through achievement, activities, schools, status, and the pressure to become a reflection of the parent.
(42:10) Why trying to avoid every parenting mistake is unrealistic, and how acknowledging mistakes, validating your child's experience, and letting go of perfection can strengthen the relationship.
(46:14) Why one conscious parent can still make a meaningful difference when co-parents disagree, and how children may release their stress with the parent they feel safest around.
(48:57) Why choosing who you have children with deserves enormous consideration, because co-parenting can connect you to that person for the rest of your life.
 
Thank You to Our Sponsors!
Magic Mind: Head over to magicmind.com/jen and use code JEN at checkout.
Momentous: Ready to try supplements that actually do what they claim? Head to livemomentous.com and use code JEN for 35% off your first subscription. 
Therasage: Visit therasage.com and use code JEN to get 15% off your order. Your skin
Prolon: Prolon is offering listeners 30% off sitewide plus a $40 bonus gift when you subscribe to their 5-Day Program! Just visit prolonlife.com/JENNIFERCOHEN and use code JENNIFERCOHEN to claim your discount and your bonus gift.
Tru Niagen®: For supplements that are rigorously tested, third-party verified, and actually deliver what's on the label, head to truniagen.com
Kion: Visit getkion.com/habits for 20% off

Find more from Jen Cohen:
Website: jennifercohen.com
Instagram: @therealjencohen
Books: jennifercohen.com/books
Speaking: jennifercohen.com/speaking-engagements
 
Find more from Dr. Shefali:
Website: drshefali.com 
Instagram: @docotrshefali
Facebook: Dr. Shefali
YouTube: Dr. Shefali
Books: Books - Dr. Shefali