HerMoney with Jean Chatzky

In this AMA, Jean sits down with Anne — a 57-year-old retiree, self-taught investor, and self-described "super saver" — who's questioning whether her advisor's 60-basis-point fee (upwards of $50,000 a year) is still worth it now that she's retired, debt-free, and increasingly comfortable managing her own portfolio.

They talk:

The real difference between a pre-retirement growth plan and a post-retirement income plan

Why getting your advisor, accountant, and estate planner talking to each other matters

How to "shop around" for an advisor without necessarily planning to leave the one you have

Thanks to all of you, The Forever Paycheck hit the New York Times Best Seller list. Leave us a review on Amazon and send a screenshot to mailbag@hermoney.com⁠ to be entered to win a signed copy.
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It's no secret that Dr. Jill Biden has been through a lot. She opens her new memoir, View From The East Wing, by telling us about the heartbreak of losing her son Beau to brain cancer at the age of 46. In the wake of that loss, she and her husband almost lost their son Hunter Biden to addiction.

And more recently, she has been by former President Joe Biden's side through his diagnosis of an aggressive form of prostate cancer that has metastasized to his bones, though she says they are very optimistic about his most recent scans.

Yet in an era where "unprecedented" has been used more times than most of us can stomach, Jill Biden has stayed steady — continuing to teach as a community college English professor even through her husband's presidency, making her the only First Lady in history to hold an outside job while her husband was in office.

In this episode, Jean Chatzky sits down with Dr. Jill Biden to talk about money, independence, and resilience. They discuss:

How a first marriage that ended in financial panic shaped everything she believes about money

Why she and Joe Biden have always kept separate bank accounts, and why she thinks every woman should

Her message to women in their 50s and 60s who feel like they've missed their window

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For almost twenty years, HerMoney CEO Jean Chatzky was an annuity denier. In 2006, when her mother's financial advisor suggested putting some of her mom's money into one, Jean told him, flatly, to forget it. This week, she tells the full story of what changed her mind.

Jean walks through the research that convinced her — retirees with annuitized income spend meaningfully more than retirees with similar wealth who don't have it, in some cases twice as much — and unpacks the psychology behind why a paycheck feels safer to spend than drawing down a balance on your own.

Want a signed copy of The Forever Paycheck? Leave the book a review on Amazon, screenshot it, and email it to mailbag@hermoney.com to be entered to win.
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Gold's had a strong run in recent months, climbing toward $4,700 an ounce at one point in late August — and if you've been wondering whether it's too late to get in, or whether gold even deserves its reputation as a 'safe haven,' this episode is for you.

In a recent session of HerMoney’s InvestingFixx club, Jean sat down with Meghan Pinchuk, Chief Investment Officer and Partner at Morton Wealth, and we’re sharing it with you here as a sneak peek!

In this episode, you’ll learn:

The connection between rising government debt and gold's recent rally

The differences between physical gold, gold ETFs, and gold mining stocks

A reasonable gold allocation for most individual investors

Curious to hear more conversations like this one? Jean runs InvestingFixx, a Zoom-based investing club just for women — no experience required, and your first month is free. Check it out at InvestingFixx.com.
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What does being “good with money” actually look like?

It might look like steadily contributing to your 401(k). Or figuring out how to pay for summer camp while continuing to save for retirement. It might mean comparing health insurance plans, building an emergency fund, deciding how much house your family can comfortably afford, or simply asking the right questions before making a big financial decision.

In other words, women are making important financial decisions every single day — and there’s a good chance we’re doing many of them more successfully than we give ourselves credit for.

On this special episode of the HerMoney Podcast, Jean Chatzky sits down with FourLeaf Federal Credit Union President and CEO Linda Armyn to talk about the Money Like A Woman movement and the Five Pillars that they created: building financial confidence and independence; spending, borrowing, and planning with intention; building and growing wealth; protecting what matters; and strengthening your financial community.

Jean and Linda discuss why being “good with money” has traditionally been defined far too narrowly — and why we don’t have to be experts on Wall Street to build wealth. (In fact, many of the habits women may dismiss as “boring,” like saving slowly over time, trading less frequently, and staying invested for the long haul, can actually be some of the keys to financial success!)

They also dig into what it means to spend with intention (yes, you can buy the 10 pairs of black shoes!), why protecting the people you love through insurance and estate planning is a form of love, how to protect yourself from increasingly sophisticated financial scams, and why talking openly about money can help strengthen our entire financial community.

Ultimately, as Linda explains, the goal is for “anyone and everyone” to be able to Money Like A Woman, regardless of gender.

Be curious. Ask questions. Think long term. Make deliberate choices. Prepare for the unexpected. Share what you’ve learned. And give yourself a little more credit for everything you’re already doing right.

LEARN MORE ABOUT THE MONEY LIKE A WOMAN MOVEMENT HERE!
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