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#320 The Power of Hitting the Pause Button

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Before you think about hitting the pause button, at least get through the latest episode of Jill on Money, because it's a good one! We started with Cindy in California, whose misfortune of losing her dad a couple years ago led to an inheritance worth more than $2 million.  But now Cindy is having a hard time finding someone trustworthy to help her formulate a plan, hence the call to us.  It was far from a simple answer so we kept her around for a couple segments. April 22 JOM Hour One

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Okay, now to Rachael O'Meara, our guest this week in hour two.  I have to say, I really enjoyed her new book, Pause: Harnessing the Life-Changing Power of Giving Yourself a Break.

April 22 JOM Hour Two

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Let's face it, we've all been there.  The feeling of being overwhelmed, burned out or stuck at work or in life. Your impulse might be to lean in and tough it out, but what you may really need to do is take a step back, reassess your life with a clear head and dive back in with purpose and poise.  And that's what this book is all about.  Taking that pause, taking a deep breath, regrouping and jumping back on the horse.
Throughout the book Rachael guides you through the steps of your own pause journey:
  • The signs that you’re in need of a meaningful break
  • Planning your optimal pause—whether it’s as short as a day or as long as an epic journey
  • Reentering the world with renewed clarity and purpose

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#319 Retirement Planning and the Silicon Valley Handbook

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Before helping all you budding wannabe Silicon Valley entrepreneurs out there, we did a little retirement planning in hour one.  First we helped Pat in Virginia who's in a unique situation.  Based on his calculations, Pat figures he'll actually earn MORE in retirement than he does now.  Given this unusual scenario, Pat is wondering how he can start to minimize the tax hit and if using a Roth 401k is a good place to start.  Next up was John from Georgia who is preparing for retirement and isn't quite sure how to handle the RMDs from his various accounts. April 15 JOM Hour One

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Are you an entrepreneur?  Or does your soon to be graduating child have dreams of going to Silicon Valley and becoming the next Mark Zuckerberg?  Let's be honest...these days, you don't have to go to California to become a successful entrepreneur.  To help hammer home that point we had a quick chat with Michael Moe, author of The Global Silicon Valley Handbook.

April 15 JOM Hour Two

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The book is written to be a fun, yet factual guide to thrive not only in Silicon Valley, but in the emerging Global Silicon Valley.
Silicon Valley has become synonymous with big ideas, start-ups, and inventing the future. But today, the magic of Silicon Valley has gone viral and global. From Austin to Boston, from Shanghai to Dubai, a Global Silicon Valley is emerging.
Michael maps out an insider's guide to Silicon Valley and the hottest emerging markets from around the world. The book highlights need-to-knows, including who the top VCs and angel investors are, phrases to avoid in a pitch, or even where to close a deal over dinner or beers.
So when you strike it big and become a billionaire, don't forget about us here on the Jill on Money show!

P.S. Check out our podcast!  It's called Better Off and it's sponsored by Betterment.  It's similar to the radio show yet a bit different.  We'd love hear your feedback!  You can download it via iTunes, Spotify or Google Play.  If possible, please leave a rating and/or review in iTunes.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#318 Taking Charge of Your Career

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Before helping you take charge of your career with my new best friend Nicole Lapin, we started off with some calls and emails.  First up was Nancy in Missouri, a business owner, who was wondering if it makes sense from a tax standpoint to keep making IRA contributions.  Next we chatted with Asa from New York who wanted to run his numbers by us to make sure his retirement plan is in good shape. April 8 JOM Hour One

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When you hear my unabashed enthusiasm and connection with today’s guest, Nicole Lapin, I think you will understand why we hit it off so quickly.    

Already an accomplished journalist by her thirtieth birthday, Nicole expanded her reach with the 2015 release of her New York Times bestseller, Rich Bitch. Yes, that’s the title. Nicole’s premise is simple: she wanted to own that word and use it to attract people who might not necessarily pick up a personal finance book.

Nicole’s latest book, which is laugh-out-loud funny, is called Boss Bitch: A Simple 12-Step Plan to Take Charge of Your Career.  Despite the title of both of her books, they are not exclusively for women. Both are about taking charge, no matter who you are.

April 8 JOM Hour Two

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Boss Bitch is about being a boss without having a business card or dozens of employees to prove it. Here are some topics that that Nicole explores:

Be the CEO of YOU by running your life like a business

  • Think like a boss by being entrepreneurial within an existing company
  • Getting, and crushing, your dream job
  • Be a hustler by exploring your passions and making extra money
  • The nuts and bolts of getting your OWN business off the ground

Nicole is all about investing in YOURSELF, bettering yourself to become better off in life and in your career will pay more dividends than any investment! These are not unique concepts, but like diet and exercise, just a few small steps often lead to long-lasting improvements.    

I had so much fun with this interview that I can’t wait for Nicole’s next book!  I suspect it will have a certain word in the title...

P.S. Check out our podcast!  It's called Better Off and it's sponsored by Betterment.  It's similar to the radio show yet a bit different.  We'd love hear your feedback!  You can download it via iTunes, Spotify or Google Play.  If possible, please leave a rating and/or review in iTunes.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#317 Being Scrappy and Playing Big

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Talking about getting scrappy and fired up...that's what happens when we start the show and the topic is annuities!  If you're a regular listener, you know my stance.  I don't hate every single annuity in the world.  But I do detest when a sales person tries to sell a 79 year old retiree, with no particular need for an annuity, the expensive product.  That's what happened to Victoria from Maryland.  Thank goodness we were able to talk to her before she made a mistake. Next up was Jill...that's right, Jill talking to Jill.  Caller Jill is turning 70 later this year and will soon be facing RMDs and wanted to clarify some things before she has to start taking withdrawals.

April 1 JOM Hour One

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In hour two we're putting on the boxing gloves and getting scrappy in life and at work with Terri Sjodin, author of Scrappy: A Little Book About Choosing to Play Big. 

As Terri puts it, “This is not another book about persistence, although scrappy and persistent make a winning combination. Nothing annoys a persistent person more than a scrappy person who pulls off a classy, unexpected, amazing effort to land the deal, the sale, or the opportunity.”

April 1 JOM Hour Two

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Along the way Terri identifies the habits that will help you get into the right mindset by sharing stories of tactics that have worked, and those that have crashed and burned. Some examples include:

  • Why getting scrappy is a choice to play big
  • How to cultivate your best ideas
  • How to manage risks and bounce back from mistakes and failures
  • How to scale a scrappy culture within any organization, big or small

So put on your gloves and start getting scrappy...and if you swing your way to the top, I want to hear about it!

P.S. Check out our podcast!  It's called Better Off and it's sponsored by Betterment.  It's similar to the radio show yet a bit different.  We'd love hear your feedback!  You can download it via iTunes, Spotify or Google Play.  If possible, please leave a rating and/or review in iTunes.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#316 March Madness and Your Money

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Before we throw you a curve ball and talk some March Madness action, we fielded some of your questions in the first hour.  We started with Ed in California, who is overseeing millions of dollars for himself and his family members.  Even though he has done an amazing job on his own up until now, Ed wants to find a wealth advisor and is having a hard time finding somebody he trusts. After Ed we went to Aaron in Kentucky.  Unlike Ed, things are a bit tighter for Aaron.  A recently divorced father he's concerned about his future and wants to know what financial steps he should be taking right now to ensure a fruitful retirement.

March 25 JOM Hour One

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Okay, here's our latest curveball for you guys.  Every once in a while we like to mix it up and what better time to do that than March Madness?  As you're sitting on the couch this weekend watching the action, you may see our guest on your television patrolling the sidelines of the basketball court.  We're talking about none other than Dana Jacobson of CBS Sports!  

Dana's world of sports sometimes collides with finance, especially when it comes money and college athletics.  Should the athletes be paid?  Or is the opportunity to earn a college degree enough?

March 25 JOM Hour Two

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It's always fun to do something new and different.  To hear the story behind the face you're seeing on TV.  To hear how a person wanted to work in news but wound up in sports only to end up working in both news and sports.  Talk about having the best of both worlds.  Enjoy!

P.S. Check out our podcast!  It's called Better Off and it's sponsored by Betterment.  It's similar to the radio show yet a bit different.  We'd love hear your feedback!  You can download it via iTunes, Spotify or Google Play.  If possible, please leave a rating and/or review in iTunes.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#315 Kids and Financial Literacy

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Before getting a lesson in financial literacy with Beth Kobliner we first took a call from Steve in Connecticut.  Steve, who is still working, has a 401(k) from an old employer and is looking for a way to minimize the tax hit.  Should he pay now or wait until retirement? March 18 JOM Hour One

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Now on to our guest in hour two this week...

You will often hear me say that before you worry about the financial future of your kids, you need to make sure you’re taking care of yourself first. But that doesn’t take you off the hook for discussing money with your kids.

Think of it as another one of the talks...so now in addition to the sex talk, the drug and alcohol talk, we can add the money talk. All of these conversations must occur at every stage of your child’s development, with age-appropriate messaging that the kids can absorb.

That's why we’re talking to Beth Kobliner, author of Make Your Kid A Money Genius (Even If You're Not): A Parents’ Guide for Kids 3 to 23. 

March 18 JOM Hour Two

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I know there are a lot of you out there listening with kids or thinking about starting a family, wondering how to have such conversations:

  • How much debt should we take on for college?
  • Should I give my teen a debit or credit card?
  • Should I give my child an allowance?
  • My kid wants to move back home...should I charge rent?

Those are just some examples and there’s plenty more in the book. Whether you’re a rookie in the parenting game or a veteran, this book will help. As Beth says, “Think of it as a guide for parents that offers the financial facts of life for kids 3 to 23.”

Whether you have kids, are planning on it or know someone with kids, I encourage you to check it out.  It’s never too soon to start the money talk with your children.  

P.S. We have a new podcast!  It's called Better Off and it's sponsored by Betterment.  It's similar to the radio show yet a bit different.  We'd love hear your feedback!  You can download it via iTunes, Spotify or Google Play.  If possible, please leave a rating and/or review in iTunes.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#314 Creative Change In the Workplace

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Before talking about creative change in the workplace and why we all resist it, we talked to Rob in Buffalo who has a question regarding an annuity and the overall retirement plan that he and his wife have in place.  As you'll hear, there's no simple yes or no answer when it comes to retirement planning.  Each case is very specific to the individuals involved and that's why you always hear me asking a variety of questions :) March 11 JOM Hour One

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In hour two we chatted with Jennifer Mueller about her new book, "Creative Change: Why We Resist It...How We Can Embrace It".  While high level executives say they want creativity and seek innovation in order to thrive in a competitive world, Jen says  the truth is that many business leaders often resist creative solutions and instead embrace the familiar.  And it's not just CEOs, but educators, scientists, and others who often struggle to accept new and creative ideas even when desired. 

March 11 JOM Hour Two

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Among the solutions discussed in the book:

  • A multi-step process to self-disrupt your current mindset and recognize creative opportunity
  • A way to pitch ideas aimed at helping you defeat the established preference for the status quo
  • Tips to disrupt the cultural beliefs holding your company back
  • How to recognize creative leaders who can lead organizations in productive new directions

If you find yourself in a similar situation at work then this is an interview you definitely want to hear.

P.S. We have a new podcast!  It's called Better Off and it's sponsored by Betterment.  It's similar to the radio show yet a bit different.  We'd love hear your feedback!  You can download it via iTunes, Spotify or Google Play.  If possible, please leave a rating and/or review in iTunes.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#313 Airbnb Disrupting the Hotel Industry

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Before checking into an Airbnb, we took a call from Ralph in Iowa who may end up winning the 2017 Father of the Year award. Ralph wants to help out his daughter by paying off her student loans so she doesn't have to pay thousands of dollars in interest.  Sure, it's an incredibly nice thing to do, but there's also a right way to do it and that's what we discussed. March 4 JOM Hour One

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We booked a reservation with Fortune editor Leigh Gallagher in hour two.  Leigh's new book, The Airbnb Story, is a behind-the-scenes story of the creation and growth of Airbnb.  I'm sure many of you out there have stayed at an Airbnb-Mark just used it in Tokyo and is a big fan.  I, on the other hand, remain in the minority.  Maybe one day...never say never...

March 4 JOM Hour Two

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We all know how Airbnb works, but through her exhaustive research, Leigh dives into the company's origin story and she also provides insight about how the service has disrupted the hotel industry.  It's crazy to imagine that a company less than a decade old is now as big as Hilton and Marriott.  As the title says, three ordinary guys who disrupted an industry, made billions and created plenty of controversy along the way.  Check it out...you may see your vacation a little differently this summer.

P.S. We have a new podcast!  It's called Better Off and it's sponsored by Betterment.  It's similar to the radio show yet a bit different.  We'd love hear your feedback!  You can download it via iTunes, Spotify or Google Play.  If possible, please leave a rating and/or review in iTunes.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#312 How the New Middle Class Survives

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Before we dive into just how exactly the middle class is surviving these days, we first took an interesting call from Rod in Georgia who was wondering if it made sense for him to pay off his cheap mortgage and instead invest the money.  If you're a regular listener you probably know which way I'm going on this one... Feb 25 JOM Hour One

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I loved our guest in hour two this week...Lisa Servon, author of "The Unbanking of America: How the New Middle Class Survives." First off, let me tell you that I thought this book was fascinating and really well written.  In a nutshell, it's basically about how dysfunctional the mainstream banking system of America has become.  In a time when nearly half of all Americans live paycheck to paycheck, Lisa exposes the broken role of banks, as they’ve quietly abandoned lower and middle class consumers in favor of servicing only the wealthiest.

Feb 25 JOM Hour Two

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Lisa is the real deal.  Not only did she spend months working at a check cashing facility in the South Bronx while writing the book, she's also a professor of City and Regional Planning at the University of Pennsylvania and a former dean of the New School.  Her work on consumer financial services has been published in the Wall Street Journal, the Atlantic online, and The New Yorker online, among many others.

P.S. We have a new podcast!  It's called Better Off and it's sponsored by Betterment.  It's similar to the radio show yet a bit different.  We'd love hear your feedback!  You can download it via iTunes, Spotify or Google Play.  If possible, please leave a rating and/or review in iTunes.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE 
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#311 CFP Board CEO, Millennials and Money

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We started the show with a special guest, Kevin Keller, CEO of the Certified Financial Planner Board of Standards, Inc., to make a special announcement. I am now the Senior CFP® Board Ambassador.  Woo hoo!!!  It really is a match made in heaven and I think you'll understand why when you hear my chat with Kevin.  If you want a little extra, you can read the official release here and my journey to become a CFP, here. Feb 18 JOM Hour One

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In hour two, we talked about millennials and money with actress-turned-money guru Stefanie O'Connell, a millennial herself.  To clarify, millennials are those in their 20s and early 30s.  As you've heard me discuss countless times on the show, those years are crucial to ones financial future and well-being.  A time when young people should not only being having a good time, but also a time when they need to be thinking about their retirement years.  I know it sounds scary, but it's true.

Feb 18 JOM Hour Two

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Maybe you're a millennial and you're a regular listener.  Or you're the parent of a millennial.  Regardless, you know someone in their 20s or early 30s.  Stefanie touched on a variety of topics which your favorite millennial may find useful:

  • What millennials need to know about net worth
  • The concept of spending money you don't have
  • It's all about the lifestyle you want to live, not the money
  • The importance of taking risk with money
  • Planning for retirement without a 401k
  • Investing in human capital

P.S. We have a new podcast!  It's called Better Off and it's sponsored by Betterment.  It's similar to the radio show yet a bit different.  We'd love hear your feedback!  You can download it via iTunes, Spotify or Google Play.  If possible, please leave a rating and/or review in iTunes.

Thanks to everyone who participated this week, especially Mark, the Best Producer/Music Curator in the World. Here's how to contact us:

  • Call 855-411-JILL and we'll schedule time to get you on the show LIVE