Money Rehab with Nicole Lapin

Fifteen colleges now cost more than $100,000 a year. A year ago, only two did. Before you panic, here’s the secret the schools don’t want you to know: very few students actually pay that number. Today I break down the difference between a college’s sticker price and what families really pay, the free-tuition programs most people don’t know exist, and the group of families getting squeezed the hardest by the financial aid formula. ----------------------- MORE FROM NICOLE LAPIN: 🎥 Youtube: / @moneyrehabshow 📸 Instagram: / moneyrehab 📽️ TikTok: / nicolelapin 🌐 Nicole's website: https://nicolelapin.com OTHER THINGS WE DO: 💰 Private Wealth Collective: https://privatewealthcollective.com 🏦 The Money School: https://themoneyschool.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English. Go check it out: https://nicolelapin.com/money-school-book 63% percent of Americans say they’re living paycheck to paycheck. Among households that make $100-250k, 41% of them are saying the same thing. So we’re here to ask, do they have a money problem? My guest today is a best selling author who has helped over 250,000 people set a path towards a debt-free life. In 2021, Anthony O'Neal left the Dave Ramsey financial advice powerhouse to build his own platform. And his new book, Stop Living Paycheck to Paycheck — there it is again. Today, he tells me Why more money won't fix your finances if you don’t have an actual plan for it Why you should build a buffer before you touch…

The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English. Go check it out: https://nicolelapin.com/money-school-book Four times a year, the biggest companies in America have to show you their report card, and it gets dramatic. If you’ve ever watched a stock you own swing 15% in a single day and had no idea why, this one is for you. ----------------------- MORE FROM NICOLE LAPIN: 🎥 Youtube: / @moneyrehabshow 📸 Instagram: / moneyrehab 📽️ TikTok: / nicolelapin 🌐 Nicole's website: https://nicolelapin.com OTHER THINGS WE DO: 💰 Private Wealth Collective: https://privatewealthcollective.com 🏦 The Money School: https://themoneyschool.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English. Go check it out: https://nicolelapin.com/money-school-book Mike Novogratz has made a fortune, lost a fortune, and made it back. Goldman Sachs partner, hedge fund billionaire, then the loudest bull in crypto. Today, he tells me what he'd do with a thousand dollars right now… What number actually makes you rich… And whether a first-time investor should own any crypto at all… ----------------------- MORE FROM NICOLE LAPIN: 🎥 Youtube: / @moneyrehabshow 📸 Instagram: / moneyrehab 📽️ TikTok: / nicolelapin 🌐 Nicole's website: https://nicolelapin.com OTHER THINGS WE DO: 💰 Private Wealth Collective: https://privatewealthcollective.com 🏦 The Money School: https://themoneyschool.com…

The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English. Go check it out: https://nicolelapin.com/money-school-book Vanessa Van Edwards is THE top behavioral researcher out there — we’re talking Harvard, MIT, Stanford… and is the go-to expert for the likes of Google, Microsoft, and Amazon to call on when they need to fix their people problems. She’s here to help us be more likeable — and use those skills to seal actual deals. She's on Money Rehab to tell us: How to actually make the best first impression How how to have less awkward small talk The secret tells that someone is not feeling a conversation And the best way to navigate work events as an introverted-extrovert…asked for a friend Chapters 00:00 Are You Ready for Some…

The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English. Go check it out: https://nicolelapin.com/money-school-book Financial headlines are always going to be scary, but there's money to be made in any economy. That's my biggest takeaway from sitting down with Ray Dalio. He started investing at twelve, built Bridgewater into one of the biggest hedge funds on the planet, and made more money for his clients than any hedge fund manager alive. I don't get starstruck often, but I couldn't play it cool with this one. Today I'm sharing the moments from our conversation that I'm still thinking about. I break down Ray's view of how money and debt really work, why he thinks the U.S. has a lot of "plaque" in its financial arteries, and what…

The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English. Go check it out: https://nicolelapin.com/money-school-book Caitlin Sarian — better known to millions as "Cybersecurity Girl" — has spent her career on the inside of online safety and today she joins Money Rehab to show us exactly how the scams draining Americans' bank accounts really work. - The scam that's quietly emptying retirement accounts right now She tells me the one word that should make you hang up the phone every single time The safe word every family needs before the next phone call comes in And the one way to pay that can actually get your money back… Chapters 00:00 Are You Ready for Some Money Rehab? 01:57 The Toll Road Scam Text, Live Read 04:13 Is AI Making…

The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English. Go check it out: https://nicolelapin.com/money-school-book Bill Ackman called the 2008 financial crisis years before Wall Street did, and he built one of the most legendary trades in modern investing along the way. Today, Nicole breaks down the money lessons from her sit-down with Bill that she can't stop thinking about, and why they matter for your portfolio even if you don't run a hedge fund. She unpacks the "durable compounder" philosophy Bill uses to find unkillable businesses, and how Warren Buffett has influenced his strategy. Then things get cautionary: Bill's blunt warning about borrowing against your stocks, the margin call math that can crush you, and his take on…

My latest book, The Money School: The Complete Financial Education You Were Never Given, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English. Go check it out: https://nicolelapin.com/money-school-book Dr. Shefali is the psychologist behind the conscious parenting movement -the idea that you can’t raise healthy kids without looking at your own crap first. And she is the author of two new books, Raising Conscious Sons and Raising Conscious Daughters, https://www.drshefali.com/raisingconscious-daughters-sons/ Today she joins money rehab to teach us how to raise healthy kids mentally and financially. In this episode, you’ll learn the impact the idea that “good girls don’t talk about money” is having on our daughters the importance of how you talk about finances around your kid and how to make sure your kids are resilient with money…

The Money School: The Complete Financial Education You Were Never Given My comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English. Go check it out: https://nicolelapin.com/money-school-book I'm going to sound an alarm today about the least sexy topic in finance: the bond market. Stick with me, because this one lands directly in your wallet. Over the past few weeks, investors have been dumping U.S. government bonds, and the 10-year Treasury yield just hit its highest level in years. That one number is quietly driving up your mortgage rate, your car loan, and your credit card, whether you ever buy a bond or not. I break down what a bond actually is (spoiler: it's just an IOU), the biggest myth I hear constantly about the Fed and your mortgage rate, and the real reasons investors are suddenly nervous about lending…

Brian Armstrong is the CEO and co-founder of Coinbase, the largest crypto exchange in the U.S. and the first crypto company to crack the S&P 500. He joins Nicole on the exact day Congress failed to pass the Clarity Act, a bill Coinbase has spent millions lobbying for, to break down what it actually means for anyone who owns crypto, or even just an index fund. Brian explains why he still believes regulatory clarity for crypto is coming either way, what percentage of a portfolio he thinks should be in Bitcoin, and the real difference between how the SEC and CFTC would police your crypto investments. He also digs into the fight with big banks over stablecoin rewards, why he thinks the bank lobby are trying to kill competition, and his ongoing rivalry with Jamie Dimon. ----------------------- Start investing at https://SoFi.com/MNN Private Wealth Collective: Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real…

Maye Musk is a model, dietician, and author. But before any of that success, she was 50 years old, newly single, and unable to make rent. Today, Maye joins Nicole to talk about her new memoir, Timeless, and the financial reinvention that came after everything fell apart. Maye opens up about the financial abuse she experienced in her first marriage, including how her ex-husband removed her signing rights from their joint account and took her savings, and why she still advises women to keep some money of their own, no matter how it might be received. She shares what it was like starting over in a new city with almost nothing, working her way back from a $2,000-a-month apartment she could barely afford, and the confidence it took to build two entirely new careers from scratch in her 50s. Then, Maye and Nicole get into why she didn't become a full-time model until her 60s, how she reframes aging as an asset instead of something to hide, and the mindset that let her keep saying yes to jobs, rejection, and…

You don't need a Bloomberg terminal, a private jet, or a research team to invest alongside the world's most famous hedge fund managers… you just need to know where to look. Today, Nicole breaks down five real ways everyday investors can piggyback on billionaire money managers like Bill Ackman, David Einhorn, and Warren Buffett, from closed-end funds and copycat ETFs to buying the "tollbooth" instead of the cars driving through it. 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? 00:15 Piggyback on a Billionaire's Portfolio 00:33 Option 1: Buy a Closed-End Fund Like Ackman's PSUS 01:33 Why PSUS Trades at a Discount to NAV0 2:25 Option 2: Buy the Manager, Not the Fund 03:04 Option 3: The Insurance Float Trick (Einhorn's GLRE) 03:45 Option…

Jim Kwik has coached Fortune 500 companies, Oprah, Will Smith, and Richard Branson on how to think faster and remember more. Today, he joins Nicole to explain why your brain, not your bank account, is your greatest wealth building asset. Jim breaks down what he calls "digital dementia," the MIT study showing what AI is doing to our memory and critical thinking, and why he believes AI will not replace humans so much as reveal them. He also gets into the emotional side of wealth: why purpose beats motivation, how tiny "micro-commitments" trigger the dopamine that actually creates momentum, and why self-image, not goals, determines what we achieve. Then, Nicole puts Jim's favorite biohacks to the test, and he rates everything from walking and sauna to meditation and TikTok on a scale of 1 to 10. Jim also shares the real story behind a $50 million deal that fell apart because of a forgotten name, his 12-minute morning routine with his toddler, and the writing ritual he started in the hospital the day his…

A listener named Lauren DMed Nicole with a simple question: what is she doing to make sure her daughter has more money than she did growing up? Today, Nicole answers in full, walking through the exact accounts, strategies, and tax moves she is using to build wealth for her toddler from day one. Nicole breaks down the three accounts she opened for her daughter (a 529, a custodial Roth IRA, and a custodial brokerage account), why she gifts directly into the 529 for every holiday, and how she is legally paying her daughter through her business to shift income into a lower tax bracket. Tax strategist Karlton Dennis joins with a clip explaining the rules around paying your kids: what counts as reasonable compensation, how the standard deduction plays into it, and why starting a custodial Roth IRA early can turn a few thousand dollars into over a million by retirement. Nicole also gets into the life insurance decision every parent needs to make. She explains the real difference between term and whole life…

You know Codie Sanchez as the woman who made buying a laundromat sound cooler than launching a startup. Today, she's back to talk about her new book, Own or Be Owned, and why so many founders are secretly addicted to their own businesses. Codie explains why being "the hero" of your company is a trap (she compares it to heroin), the 12 owner archetypes she discovered after surveying 15,000 business owners, and why the goal isn't to work harder, it's to become unnecessary. She also gets real about the parts of founder life nobody talks about: the years she put her personal life on hold chasing a revenue number, the fear of telling her team she was pregnant, and why she now believes "later" almost never actually comes. Get Codie's book Own or Be Owned Find boring businesses to buy on BizScout.com What we cover 00:00 Are You Ready for Some Money Rehab? 01:33 How to Buy a Laundromat: Cost, Margins, and Failure Rates 14:29 The Thesis Behind Own or Be Owned, and the 12 Owner Archetypes 20:40 Why Being "The Hero"…

Kate has good money habits. She's saving, she's investing, she's automated her high-yield savings account. So why does she still feel like she's behind? Today, Nicole sits down with a Money Rehab listener for a real-life financial intervention, digging into the exact questions so many 20-somethings are quietly Googling at 1am. Kate walks Nicole through her real numbers: what she earns, what she spends, and how she's splitting money between a Roth IRA, a brokerage account, and student loan payments. Nicole breaks down the actual mechanics she never learned, like why you need cash in the account before you can buy anything, how to think about a Roth versus a brokerage account, and whether it's smart to max out one before touching the other. They also get into the emotional side of money: the guilt Kate feels every time she spends, why her financial goals always seem to move further away the more she achieves, and how giving herself a real number for guilt-free spending changes everything. Check out Nicole's…

He's the guy behind "Betty (Get Money)" and a fur coat two-step that took over TikTok, but before Yung Gravy was flexing platinum plaques, he was studying finance and marketing in college. Today on Money Rehab, we sit down with the rapper who lives a double life: viral hitmaker by night, options trader by day. Gravy walks us through the trade that made him $400K, a bet on 1-800-Flowers stock at the start of COVID, built on a grim but accurate read that funeral orders were about to spike. It's the kind of call institutional investors make quietly all the time; Gravy just said the quiet part out loud, and the internet has been arguing about the ethics of it ever since. We get into how a music-industry paycheck, unpredictable, front-loaded, gone as fast as the trend that made it, pushed him to actually learn the market instead of just spending like a rapper. What it's like sitting in a room with a finance background while everyone assumes you can't do math because you rap about money instead of manage it. Where…

Selling Sunset isn't just a show about real estate, drama, and outfits... it's a show about money. Over the past few years, Nicole has had four cast members from the Selling Sunset universe on Money Rehab: Jason Oppenheim, Emma Hernan, Mary Bonnet, and Polly Brindle. Today, she's pulling out four moments from those conversations that she hasn't been able to stop thinking about. Jason, one of the most successful real estate brokers in LA, makes a confession you'd never expect from someone who sells homes for a living: renting often beats buying, financially speaking. Mary opens up about the ex-husband who secretly ran up six figures of debt in her name, and the exact tactic she used to rebuild her credit score from scratch. Emma explains why she's turned down millions in outside investment for her company and what she thinks is broken about "Shark Tank culture." And Polly gets brutally honest about maxing out three credit cards, borrowing from friends, and the mindset shift that turned her financial life…

Divorce attorney James Sexton is back for part two of his conversation with Nicole; in part one, he talked about advice for couples getting married. Today, he’s giving advice for people getting divorced. Nicole and James dig into the financial habits that sabotage marriages, the creative ways people hide money before filing, and the red flags that signal a spouse might be planning an exit. Plus, James gives simple advice on what might be the most complicated part of this process: how to tell your spouse you want a divorce. James also breaks down how alimony actually works, the best argument for keeping the house, and the negotiating tactics he uses to fight for a bigger settlement. Then things get spicy: the digital footprint mistakes blowing up divorces in real time, the unofficial "a-hole tax" judges impose on bad behavior in court, and the wild story of a $20 million divorce that almost collapsed over a toaster oven. Check out Part 1 of Nicole's conversation with James Sexton Start investing investing at…

If you've been parked in SAVE plan limbo for the last two years, the waiting is over, and the letter that starts your 90-day clock is either already in your inbox or on its way. Today, Nicole breaks down what happened to SAVE, why doing nothing could send your payment from $0 to $900 overnight, and exactly what to do before that clock runs out. Nicole walks through RAP, the new Repayment Assistance Plan replacing SAVE, how it calculates your payment off your income, and the upside most people miss: your balance can't grow even if your payment doesn't cover the interest. She also covers why studentaid.gov is about to get slammed, whether you should let the government pull your income data from the IRS, and how to avoid accidentally landing in a plan that doesn't count toward forgiveness. Then, Nicole flags two things you don't want to miss: a quadrupled autopay discount worth locking in before September 30th, and a little-known Secure 2.0 rule that lets your employer match your student loan payments straight…

Mauricio Umansky is one of the most successful luxury real estate agents in the world, selling homes for A-listers and closing massive deals. Today, he joins Nicole to break down exactly where the real estate market stands right now: why we're finally shifting out of a three-and-a-half-year transaction low, why “rentvesting” might be a move to consider in some markets, and the 10-year rule that means almost no one who buys a home ever ends up losing money on it. Then Nicole and Mauricio dig into the parts of his world reality TV can't capture: the $124 trillion wealth transfer reshaping who owns real estate next, his "playvestment" strategy for buying property purely because it makes him happy, his take on the mansion tax killing development in LA, and whether he'll ever trade real estate for a run at Mayor of Los Angeles. Start investing investing at SoFi.com/MNN Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth…

Divorce attorney James Sexton has a theory: the smartest thing you can do before you get married is think like someone whose job is ending marriages. Today, James joins Nicole for part one of a two-part conversation, sharing what you need to know before you say "I do." Make sure you're subscribed to Money Rehab so you don't miss part two in a few weeks, where they get into what you need to know before you get divorced. James unpacks why every couple needs a prenup, and shares the wildest prenup clause he's ever seen. He also gets into what actually makes fidelity and sex clauses hold up in court, and why most DIY prenups fall apart long before they're ever tested. Then Nicole and James zoom out to the stuff that can predict divorce long before anyone hires a lawyer: the small, unsexy daily habits that keep a relationship alive, and the financial fights that are never really about the money. Plus, James explains why he thinks couples should see a divorce attorney before they get married, and as weird as it…

Today, Nicole is teaming up with U.S. Bank to unpack the state of small businesses and what entrepreneurs can do right now to get ahead. Nicole sits down with Shruti Patel, U.S. Bank's Chief Product Officer for the Business Banking segment, to unpack the findings from the bank's fourth annual Small Business Survey and what they reveal about the state of entrepreneurship right now. Shruti breaks down why small business optimism dipped from 93% to 83% this year even as resilience holds strong, why only 3% of owners are currently considering a sale or exit, and what that signals about the massive wealth transfer coming as Boomer-aged owners hand off their businesses to the next generation over the next decade. Then the conversation turns to Gen Z founders specifically: their appetite for bold, calculated risk, and the surprising trend of delaying life milestones like marriage and family to build their businesses… a bet that, according to the data, is actually paying off in faster growth. Nicole and Shruti also…

Kevin O'Leary is back on Money Rehab, and this time he's changed his tune on crypto. Nicole presses "Mr. Wonderful" on his wild reversal: from owning 27 coins to just two, why he thinks the real money is now in power infrastructure, and why the Clarity Act could break Bitcoin’s price ceiling. Kevin also gets into the messy, litigious world of data centers, including the lawsuits, the death threats against his own family, and where he thinks the money trail leads. Then things get personal: his $5 million "you're not wealthy until" rule, the eye-popping story behind the $35 million outfit he wore to the Oscars, and which Shark he’d call to bail him out of jail. Of course, no Kevin O'Leary episode is complete without a fight, so Nicole and Kevin reignite their $28 sandwich debate and reach a truce… Almost. Start investing investing at SoFi.com/MNN 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…

Bill Ackman built one of the most closely watched hedge funds on Wall Street; when he speaks, markets move. Literally. Today, he joins Nicole to break down the opportunities he’s seeing in the market, which companies are in his portfolio, and what could trigger the next 2008. Bill walks Nicole through his investing playbook, the biggest mistake new investors make, and whether we’re in an AI bubble. Then, Nicole and Bill play a rapid-fire round of Bullish or Bearish where Bill gives his takes on gold, Bitcoin, Chipotle, Starbucks, T-bills, Trump, and Mamdani. Bill also gets personal about his inheritance plans for his four daughters, what he actually thinks makes someone successful in business, and whether he would run for office. 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 ⁠Follow Bill Ackman⁠ on X…

Comedian and creator Laura Clery built a media empire of 26 million followers, and then watched her marriage and her bank account collapse at the same time. Laura opens up about the financial wreckage of her divorce: how her ex-husband's relapse and addiction affected their financial lives, how she ended up paying two mortgages at once without fully understanding why, and the surreal moment she realized her water had been shut off. She walks Nicole through the costly mistake of choosing mediation over hiring a lawyer, why she couldn't afford the retainer when she finally needed one, and the moment her ex hacked her YouTube and Facebook accounts, deleting years of content and her entire livelihood in the process. Nicole and Laura also get into the bigger financial lessons: why Laura now insists every woman keep her own separate bank account, how watching her mother stay in a difficult marriage without financial independence shaped her own choices, and how she rebuilt. But first, Laura shares about the freak…

As Chief Investment Strategist at Hightower Advisors, Stephanie Link spends her days researching the market’s winners. Today, she's breaking it all down for us. Stephanie explains why the economy keeps defying the doom-and-gloom headlines, which stocks she thinks will champion the next decade, and why she believes we're only in the third inning of the AI revolution. Nicole and Stephanie get tactical fast: the difference between the Mag 7 and the "S&P 493," which stocks are not worth the hype, and Stephanie's thesis that cybersecurity stocks will end up being bigger than AI. She names her favorite tickers across cybersecurity, data centers, robotics, and quantum computing, and explains whether it’s too late to buy NVIDIA. Stephanie also gets real about the so-called "AI bubble," the circular spending debate freaking out investors, and why she bought SpaceX but capped it at just 2% of her portfolio. Plus: what her 19-year-old daughter is investing in, why "FAANG" just got a 2026 update, and the one boring,…

Employment attorney Ryan Stygar joins Nicole to hand us the playbook our employers hope they never find. He breaks down what "at-will employment" actually means and the exact moves to make the moment you get that dreaded out-of-nowhere email from HR. He also reveals everything that's negotiable in a severance package: the cash amount, COBRA coverage, equity vesting schedules, and non-disparagement clauses, and shares how he turned a $6,000 severance offer into over $60,000 for one client. Then Nicole and Ryan role-play a firing from both sides of the table — so you know exactly what to say and what never to say. They dig into the issues that disproportionately affect women at work: pregnancy discrimination (the number one form Ryan sees in his practice), his controversial-but-legally-sound advice to disclose your pregnancy early, what rights you have if you miscarry, and how return-to-office mandates are quietly being weaponized as stealth layoffs. Plus: AI keystroke monitoring, non-competes in the current…

Nicole used to think insurance was a boring subject.... until she lost her home in the Palisades fire. Today, she is teaming up with the ⁠Coalition for an Insurable Future⁠ to tell you about what you need to know about the insurance issue that could become the next great American financial crisis, and how to protect yourself. In this episode, Nicole sits down with Chloe Demrovsky, one of the nation's leading voices on disaster risk and resilience. Nicole and Chloe break down the numbers: homeowners insurance premiums are up 74% since 2008, 40% faster than inflation, and 95% of American homeowners are already feeling it. Then they get tactical: what "uninsurable" actually means, the coverage gaps that catch most people off guard (spoiler: flood is not in your standard homeowners policy), and the exact steps to take before a disaster strikes. Learn more about ⁠the Coalition for an Insurable Future⁠ and ⁠follow⁠ their work. Learn more about ⁠Chloe Demrovsky⁠ and ⁠follow⁠ her work.…

Allie K. Miller is the number one most-followed voice in AI business and an advisor to Fortune 500 companies , and she's on Money Rehab to tell us that most people are leaving serious money on the table by treating AI like a productivity tool. Today, Allie joins Nicole to break down exactly how to use AI as a wealth strategy in 2026 and beyond. Allie pulls back the curtain on her AI workforce (34 agents named after Friends characters) and explains why delegation is now a financial strategy, not just a productivity hack. She and Nicole dig into the most important question everyone has right now: what's safe to share with AI, and what isn't? From feeding Claude your insurance policy after a disaster, to connecting AI directly to your investment accounts, Allie lays out how to think about risk and leverage when it comes to your financial data. They also tackle the hard questions about kids and AI: AI companionship dangers, AI toys, age limits, whether college is even coming back, and why "AI scams are the new…

Inflation just hit 3.8%, the highest it's been since 2023. That means that $100 you had in January? It's worth about $96.30 today. So today, Nicole breaks down three tools that protect your money when inflation runs hot: I bonds, TIPS, and gold. She explains exactly how each one works, who each is best for, and the critical differences between them — including why gold didn't spike during the pandemic inflation surge the way everyone expected, and why right now might actually be different. Plus, Nicole shares a little-known strategy called the "gift box" method that lets couples legally stack up to $40,000 in I bond purchases in a single calendar year. Here is a Money Rehab episode about how to invest in gold 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…

Stand-up comedian and writer Josh Johnson returns to Money Rehab nearly two years after his first time on the show. Since then, he has become a hosting correspondent on The Daily Show, reached millions of followers on socials and continued to post a new stand up set to YouTube (he’s done this for 156 consecutive weeks). He talks about how he’s avoided lifestyle creep as his career has flourished, the best money advice he’s received, and why being broke is like drowning in a swimming pool. Then, Nicole gets Josh’s take on some of the strangest recent money headlines, including a woman who reportedly saved $15,000 on groceries by going on dates, Victoria’s Secret stock jumping 48% after changing its ticker to “VSXY,” and why taxes are apparently making Gen Z cry. 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 Follow…

The Federal Reserve hasn't been this dramatic in decades. Today, Nicole breaks down everything you need to know about the Fed and exactly what it means for your wallet. Nicole explains how the federal funds rate actually works, why it doesn't directly set your mortgage rate (but still absolutely affects it), and which accounts move immediately when the Fed acts. She unpacks the Fed's dual mandate, and shares her prediction for what Kevin Warsh will do. 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 Open a high yield savings account with SoFi at sofi.com/mnn Here's what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 00:15 Why the Fed Is Bringing the Drama Right Now 00:57 What the Federal Funds Rate Actually Is 01:33 How Banks Borrow From Each Other Overnight 02:01 How the Fed Rate Affects You (And What…

Nicole is joined by journalist and podcast host Nayeema Raza, host of Smart Girl Dumb Questions, for a crossover episode! This is a shame-free conversation about the money questions we’re all holding in, starting with perhaps the most loaded one of all: should you buy a home? Nicole breaks down the 5% rule for renting vs. buying, why she personally chose not to buy, and how to strip the emotion out of a decision that's usually anything but. She also answers common questions about debt, HSAs, growing generational wealth and more. Plus, Nayeema and Nicole talk about which expenses are worth going into debt for, and what Mark Cuban told Nayeema about how money can make you feel poorer the wealthier you become. Listen to Nayeema's podcast Smart Girl, Dumb Questions 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…

Olivia Ferney (@travelwithlivii) is the luxury travel agent to the ultra-wealthy, booking private jets, superyachts, and six-figure vacations for some of the richest people on earth. Today, she pulls back the velvet rope on what it's actually like inside that world. If you’re trying to meet a billionaire client or investor, Liv tells you where they’re hanging out. Liv tells Nicole the most outrageous client requests she's received, why saying "I have no budget" is the biggest red flag a client can send, and what to say to get a hotel upgrade. She also gets real about how working with billionaires has warped her own relationship with money, and the softer lessons she's taken away about what money actually can and can't fix. Plus: the Instagram-famous destinations she'd never recommend, where billionaires are actually traveling right now, and the shoulder season hack anyone can use to save real money on their next trip. Check out Nicole's financial literacy course The Money School Find a Financial Advisor or…

Chris Voss is a former FBI lead kidnapping negotiator, betselling author of Never Split The Difference, and founder and CEO of The Black Swan Group; a negotiation, training, coaching, and consulting organization that teaches people how to achieve better outcomes in high-stakes conversations.Recognized globally as a leading authority on negotiation, Chris developed his approach through decades of experience in crisis negotiation. Today, he and The Black Swan Group apply those principles to business, sales, leadership, difficult conversations, and high-stakes communication through The Black Swan Method® and Tactical Empathy®.Never Split The Difference has introduced millions of readers around the world to Chris's negotiation methodology. Through The Black Swan Group, Chris and his team help people go beyond understanding the concepts in the book and develop negotiation as a practical, repeatable performance skill through training, coaching, practice, and live experiences.The Black Swan Group offers in-person…

Allison Ellsworth built Poppi from a homemade prebiotic soda to a $2 billion brand acquired by Pepsi… but you already know that. Today, Allison talks about what happens afterward, and how to follow-up a successful first act. Allison opens up about the unexpected grief of letting go of a company that was her identity, and the pressure of building a new company after a successful exit. She also digs into advice for anyone who has a different money mindset than their spouse, and how to find common ground. Plus, Allison shares how she’s talking to her three young kids about money and work— and why her kids waving her off with "Have fun, Mom" is her greatest parenting win. 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 Keep up with Allison on Instagram and TikTok Here's what Nicole covers with Allison: 00:00 Are You Ready…

Glennda Baker has been a real estate broker for decades, built a massive social media following teaching everyday people how to buy and sell smart, and learned some of the biggest money lessons the hard way… including a divorce where her ex looked her in the face and called her a "cash cow." Today, she joins Nicole to share what she knows about protecting your wealth, winning in today's housing market, and building real estate into generational wealth. Glennda gets raw about her own financial trauma: the manipulation she didn't see coming in her marriage, the moment she was evicted to a vacant rental with her son and hit rock bottom, and why she will never get married again. She explains exactly how divorce hits women differently than men, including a hidden math problem most people miss when splitting a house at today's interest rates. Then Nicole and Glennda get into the real estate playbook. They fact-check the viral real estate advice flooding your feed, from writing letters to homeowners to get…

Today, Nicole unpacks the exact accounts she opened for her daughter, the math that makes starting early almost unfair, and the money script she's determined to rewrite for the next generation. Whether you have a newborn, a teenager, or you're realizing you wish someone had done this for you, this episode is a blueprint. Nicole breaks down how a 529 plan is far more flexible than most parents realize, why a custodial brokerage account is less about returns and more about teaching kids that money grows quietly in the background, and why a retirement account for a one-year-old is not as insane as it sounds — it's one of the most powerful financial moves a parent can make. 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? 01:13 529 Plans: More…

You’ve probably seen the headlines about luxury investments outperforming the stock market… but is that actually true? And more importantly, is this a game only for millionaires, or is there a way for the rest of us to get in on it too? Today, Nicole is joined by Dana Auslander, former Blackstone executive and founder of Luxus, a luxury alternative asset manager with the first dedicated Hermès Birkin fund. In this conversation, Dana unpacks the viral headlines, why her investment thesis puts Hermès bags ahead of other luxury brands like Chanel and Louis Vuitton, and how to invest in a Birkin without buying a Birkin. Then, Nicole and Dana zoom out and explain what the luxury investment trends mean for retail investors, how the macroeconomy impacts luxury investments, and what the counterfeiting problem could mean for the whole market. Then, Dana goes beyond bags and rates watches, art, wine, and jewelry as alternative investments. Check out Nicole's financial literacy course The Money School Find a Financial…

Jason Oppenheim (real estate broker, founder of the Oppenheim Group— the brokerage covered on Selling Sunset) starts this conversation with a take Nicole was not expecting: it's a buyer's market, and he'd know, because he's been renting for the last three years himself. In this conversation, Jason covers every hot-button topic in real estate. He unpacks how he thinks AI will disrupt real estate and why he believes humanoid robots will be showing houses within the next two decades. He gets brutally honest about the LA market, why wealthy people are fleeing major cities in droves, and shares the cities he thinks real estate investors should avoid. He makes the case that renting is not "throwing money away" — in fact, he argues that in many cases renting is a smarter financial move. He and Nicole also debate whether there's actually a housing affordability crisis (Jason says we're misdefining it), how he thinks about money and happiness, and why he hasn’t changed his financial goals since he was broke. Check…

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…

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…

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…

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…

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…

Tax Day is right around the corner, and tax strategist Karlton Dennis is here to make sure you don't leave a single dollar on the table. Today he breaks down the legal loopholes that you can still take advantage of before the filing deadline and the long-game moves that can keep thousands in your pocket. Nicole and Karlton cover tax strategies for both W2 employees and entrepreneurs, how parents can use the tax code to build wealth for their kids and new deductions from the Big, Beautiful Bill that you should definitely be taking advantage of. Plus, Nicole and Karlton break down viral hacks like the Range Rover write-off, the Augusta Rule that lets you pay yourself tax-free, short-term rental deductions, and putting your kids on payroll. 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 Follow Karlton on Instagram and…

The price of oil is skyrocketing— and the ripple effects are spreading fast. Today, Nicole sits down with Lauren Simmons, former trader on the floor of the New York Stock Exchange, to break down exactly what's driving market volatility right now and what you should actually be doing with your money. Lauren and Nicole get into why the Petrodollar system is cracking, whether the U.S. dollar is still a safe haven (Lauren's honest answer might surprise you), and where big institutional investors are quietly moving their money. Lauren also opens up about her own portfolio — why she put 10% into gold and silver, why she's steering clear of Bitcoin, and her take on the AI bubble question. This episode was taped on 3.26.26. 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 Check out Lauren’s personal finance book Make Money Move…

Today, Nicole debunks the most viral myths about inheritance and gift taxes, and walks you through exactly how these taxes work, when they actually kick in, and the totally legal strategies wealthy families use to pass on as much as possible to their heirs. Nicole breaks down the difference between gift tax, estate tax, and inheritance tax; explains the $19,000 annual gift exclusion and the $15 million lifetime exemption; and covers the states that will still come after you even when the IRS won't. Then she gets into the tools the ultra-wealthy use, like irrevocable trusts and Family Limited Partnerships, to legally minimize what they owe. Plus, she shares one simple, free move that anyone can make right now to protect their family's inheritance… no lawyer 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…