Money Rehab with Nicole Lapin

The SpaceX IPO will likely be the largest public offering in history... But before you get excited, Nicole breaks down how the IPO machine actually works, and why some of the smartest people in finance say the system is rigged against you.

Nicole walks through the full IPO process step by step: what underwriters actually do (and what they charge for it), how the roadshow and book-building work, and why the price you'll pay on IPO day is not the price institutional investors paid. She also covers what SpaceX employees need to know right now about their equity, stock options, RSUs, lockup periods, and the tax surprises that can blindside you before you sell a single share.

Then, Nicole shares the framework she uses to evaluate any IPO, including the two sections of the S-1 prospectus most retail investors skip, and explains how you can get in on SpaceX before the IPO.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram 

Here's what Nicole covers today: 

00:00 Are You Ready for Some Money Rehab? 

00:04 The SpaceX IPO: Just How Historic Is It? 

01:08 How the IPO Process Actually Works 

02:12 What Underwriters Do (and What They Cost) 

03:04 The Roadshow and How IPO Pricing Works 

03:45 NYSE vs. NASDAQ: Where Will SpaceX List? 

04:25 Why Companies Go Public 

05:14 What SpaceX Employees Need to Know About Their Equity 

06:00 Lockup Periods Explained 

07:06 Three Things Every Employee Must Do Before an IPO 

08:06 Is the IPO System Rigged? Bill Gurley's Argument 

10:00 The Figma Example: How Retail Investors Got Burned 

11:19 How to Evaluate Any IPO Before You Invest 

13:27 Watch the Lockup Expiration Date 

14:09 Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. 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.

Emma Grede built a business and media empire (including brands like Good American and SKIMS) without a safety net. Today, she joins Nicole to pull back the curtain on the money mindset, negotiation tactics, and hard-won lessons that got her there.

Emma gets raw about paying herself £45K while paying a male hire £150K to do a worse job, the moment Good American sold $1 million worth of inventory on day one (and why her investors turned on her by noon), and creative strategies she’s used to close major deals. She and Nicole also dig into Emma's exact playbook for negotiating a raise, the traps women fall into with money, and why Emma never lends money — she just gives it.

Then they get into the taboos: prenups, the questions people should stop asking female founders, and whether financial planning and family planning should ever be kept separate.

Pick up Emma's amazing book Start With Yourself

Listen to Emma’s inspiring podcast Aspire

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram 

Here's what Nicole covers with Emma: 

00:00 Are You Ready for Some Money Rehab? 

03:39 Emma's Early Money Mistakes

06:00 The £45K vs. £150K Lesson 

07:12 Learning the Language of Business 

10:34 What Wealthy People Know About Investing 

11:48 Good American's $1M Day One — and the Investor Critique 

15:39 What Money Can't Buy (But People Think It Can) 

18:13 Does Money Buy Happiness? 

19:00 Emma's Secret to Always Asking for More 

19:48 The Natalie Portman / Dior Negotiation Story 

21:58 The Secret to Great Negotiations 

22:30 Negotiating a Prenup at a Restaurant 

24:33 Protecting What You Build During Marriage 

26:45 Raise Negotiation Role Play 

33:18 What NOT to Say When Asking for a Raise 

35:01 Questions Female Founders Get That Men Never Do 

38:20 The "Army of Help" and Financial Family Planning 

40:34 Raising Wealthy Kids Without Ruining Them 

43:59 Emma’s Early Hustle

46:00 Secure the Bag

53:15 What’s Next For Emma 

01:01:39 Emma Grede's Tip You Can Take Straight to the Bank

Jennie Garth went from working on bean fields for 25 cents an hour to buying her first home as a teenager after landing the role of Kelly Taylor in 90210. When she hit it big, people tried to tell her that she didn’t need to know about her finances. Today, she shares the money lessons she learned the hard way.

Jennie and Nicole dig into the psychology behind money: why a scarcity mindset can literally choke off your income, what "Tall Poppy Syndrome" is and why high-achieving women keep cutting themselves down, and how negative self-talk about money doesn't just hurt you… it hurts your kids, too. Jennie also shares why she and her husband Dave don’t combine finances, how she’s embracing the “I Choose Me” philosophy, and the parenting advice she’d give any new mom.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram 

Get Jennie's memoir I Choose Me

Here's what Nicole covers with Jennie: 

00:00 Are You Ready for Some Money Rehab? 

01:47 Jennie's First Job and Early Money Memories

04:19 Faking It in Every Money Meeting 

07:24 The 90210 Pay Gap and the Power of Negotiating as a Team 

10:23 Being the "Hollywood Daughter" and Tall Poppy Syndrome 

14:46 “Fear Is False Evidence Appearing Real”

17:03 How a Scarcity Mindset Literally Stops the Flow of Money 

19:15 How Other People's Words Become Your Financial Self-Talk 

20:26 Raising Money-Smart Daughters 

23:55 How Jennie Inspired Nicole to Start Her Own Wealth Management Firm 

25:41 When Three Suits Walk Into the Room 

26:32 Jennie and Dave's Very Different Money Personalities 

28:44 Why She Bought Her First Husband a Harley and a Music Studio 

30:00 Did She Have to Unlearn That Money Can't Buy Love? 

32:23 Secure the Bag

36:34 Advice for New Moms: Choose Yourself Too 

37:33 Jennie's Last "I Choose Me" Moment

AI isn't coming… it's already here, and it's already reshaping how we work and build wealth. Nicole's prediction: the winners of the next decade will be the techno-optimists, the people who learn to leverage AI to make more money, scale their time, and outsource distractions. Today, Nicole is partnering with Eva Cicinyte to show you exactly how.

Eva is the founder of GNOMI, an AI news agent designed to help people understand what matters in real time. Eva and Nicole break down why traditional news is broken beyond repair, how AI might actually be our best weapon against deepfakes, and why Eva built a feature that gives everyday investors access to the kind of real-time market intelligence that used to be reserved for Wall Street pros.

Then, Eva and Nicole get raw about what it really takes to build a company while building a family. Eva reveals why she kept her pregnancy a secret and shares the story of the conference call she refused to hang up, even as she went intp labor.

Try GNOMI and start with Finance Mode

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Here's what Nicole covers with Eva: 

00:00 Are You Ready for Some Money Rehab? 

01:10 Why Traditional News is Broken 

03:35 How Eva Turned an Unconventional Background Into a Superpower 

10:00 The GNOMI Origin Story 

13:42 Why Every Founder Should Vibe Code 

15:02 GNOMI vs. ChatGPT: What's the Actual Difference? 

20:15 Real-Time Financial News You Can Use 

30:20 When You Need a Patent and What They Actually Cost 

34:08 Raising Millions From One Investor 

37:15 Will AI Kill Traditional News? 

38:00 The Pregnancy She Kept Private 

47:33 Raising Daughters in an AI World 

52:30 Women in AI 

54:18 The Future of News

55:00 Eva's Tip You Can Take Straight to the Bank

Jimmy Donaldson (aka Mr. Beast) built a billion dollar content empire on YouTube. Today, Nicole breaks down how he actually did it, and more importantly, what lessons retail investors can apply to their own portfolio.

Nicole pulls back the curtain on the Mr. Beast business model: why his YouTube videos are actually loss leaders, how Feastables became the real money maker, and why he intentionally lost money on his Amazon deal.  

And if you think none of this applies to you because you have no interest in going viral? Nicole closes with three concrete ways to invest in the creator economy right now, no camera required.

Check out Nicole’s financial literacy course The Money School 

Find a Financial Advisor or Financial Coach from Nicole’s company Private Wealth Collective

Watch video clips from the pod on Money Rehab’s Instagram and Nicole Lapin’s Instagram

Here's what Nicole covers today:

00:00 Are you ready for some Money Rehab?

00:18 Mr. Beast By the Numbers

02:44 Jimmy Donaldson's Origin Story

04:13 How the Mr. Beast Business Model Actually Works

05:16 Economics of Feastables

06:00 The Beast Games Amazon Deal 

08:08The $5.2 Billion Valuation 

08:38 3 Ways to Invest in the Creator Economy

11:31 Tip You Can Take Straight to the Bank 

All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.