Oh My Dollar!

Oh My Dollar!

www.ohmydollar.com
Personal finance with a dash of glitter


Negotiate Your Bills ft. Tori Dunlap
Jul 17 • 26 min
You’re an adult now! Congrats. Now you owe everyone money! Paying bills is part of adult life, unless you’ve manage to go completely off the grid. Bills feel like one of those parts of adult life that are non-negotiable. You get asked to pay, you pay the…
The Cost of Being Intersex ft. Hans Lindahl
Jul 10 • 26 min
The alphabet soup of the GLBTQIA+ community includes one letter many people don’t know about - “I” - which stands for “intersex”, a term that refers to people that are born with a reproductive or sexual anatomy that doesn’t fit the “typical” definitions…
America vs The World: Personal Finance Edition
Jul 4 • 21 min
It’s 4th of July (American Independence Day), so here’s an episode about things that America does differently in personal finance. America America - this is a place most of our listeners, according to our analytics, live. To celebrate independence day, I…
How We Saved Our First Emergency Funds
Jun 26 • 27 min
Saving up that first emergency fund can be hard - especially if you don’t make a lot of money, if murphy keeps knocking on your door and stealing from your savings, or if you have variable income. So we asked listeners to share their stories of how they…
Should you get a 529 for college savings? ft Abby Chao
Jun 20 • 22 min
WTF is a 529? Should you use one for saving for education or is it easier to just have a savings account. Abby Chao from CollegeBacker walks us through what one is, how to set it up, and why it makes sense to use one for college savings.About Abby Chao…
State of Queer Money
Jun 12 • 18 min
It’s pride month! And here at Oh My Dollar!, we’re queer af, so we’re here to talk all things under the rainbow. I thought in the midst of this historical pride month - the 50th anniversary of the Stonewall riot - we share the things that we still have to…
Are perfectionism & procrastination screwing up your finances?
Jun 5 • 32 min
You “should” do this [unpleasant money thing.] Sound familiar? I know many of you admit to financial procrastination, but often perfectionism is a the root of procrastination. Sometimes it’s things like overgeneralizing, all-or-nothing thinking, mental…
How much does it cost to have a hobby?
May 29 • 48 min
Some hobbies are pricey, some hobbies actually save you money. The OMD community tunes in to share how much their hobbies cost them. Plus, Lillian shares the costs from her new figure skating hobby.We talk about these things:The costs of brewing beer and…
How to Fund a Creative Project without Going Broke (Risk + Money)
May 22 • 27 min
Big announcement! Oh My Dollar’s cat-filled purrsonal finance book, A Cat’s Guide to Money, is going into the second printing, and we need your help to make that possible. But don’t worry, this episode isn’t just going to be about the book - it’s also…
How to find car insurance without pulling your hair out ft Andrew Rose
May 8 • 33 min
Figuring out car insurance can be an absolute hair-pulling nightmare. What is comp & collision? What does 50/100/50 mean? Do red cars really pay more? Guest Andrew Rose of Compare.com helps us make sense of it.We answer these questions:Collision vs.…
The 100th Episode - What Would You Do with $100?
May 2 • 28 min
For our 100th Episode, we turned the mic on our listeners and asked: If I handed you $100 and you had to use it in the next 24 hours in a way it would have the biggest impact on your life, what would you do with it?Thank you so much to everyone who…
Is $3,000 on an e-bike worth it?
Apr 24 • 40 min
Are you thinking about taking the plunge into the world of e-bikes or cargo bikes? At $1,000 – $5,000, it can be hard to justify the expense. We hear from people about their own choice to get an ebike and why the expense made sense for them, and share…
What items are worth splurging on?
Apr 17 • 32 min
How do you choose which things to spend more more money on - and what things can you cheap out on? Listeners write in with their best consumer investments and how these splurges improve their lives. People splurge on cooking equipment, knives, shoes,…
Is the ACA going away? Do you need to panic?
Apr 15 • 33 min
If you haven’t been following - and who can blame you - the law is an absolute mess - the Affordable Care Act, the law that provides health care coverage and protections for millions of Americans, was invalidated by a judge in Texas late last year. But…
Everything You Need to Know To Get Started Saving for Retirement [replay]
Apr 3 • 30 min
This is rebroadcast of an episode from our archives. Back to new episodes next week! The episode originally aired on February 13, 2017.Lillian answers all the questions you’ve been too scared to ask about investing for retirement. This guide is especially…
Creative (And Boring) Ways to Use a Tax Refund
Mar 27 • 21 min
Alright, so you got a tax refund. Or some other fun chunk of money. How should you use it? Save, splurge, or…? Maybe cash it into twenty dollar bills and fill your bathtub with it and flop around like the rich magical being you are?Here’s our ideas,…
How to Choose An Employee Retirement Plan as a Small Business
Mar 20 • 28 min
There’s so many options out there for small business retirement plans for employers! How do you choose one you can afford and that won’t cause headaches to administer?Marcel wrote in: I’m a small business owner, who has recently expanded to have 8…
How I world travel for cheap with travel hacking
Mar 13 • 34 min
Lillian travels to 2-13 countries a year, and mostly flies and stays in hotels for free or cheap - through credit card travel hacking. She walks you through how to do it as a hobby- and why you might not want to. There are no referral links in this post,…
How much should you budget for clothing?
Mar 6 • 34 min
Clothing - it can be a luxury item but it’s also a necessity, if you live in polite society. How much should you spend on clothing in a year? How do you balance your budget with your values if you don’t want to buy fast fashion items? Do you need to buy…
Is balancing your checkbook still a thing?
Feb 27 • 33 min
Balancing your checkbook- is that an adulting skill you should have? What exactly is a checkbook? Do you still need to do this? What is the digital equivalent? We answer your hot questions about checkbook balancing, how to do it, and whether or not it…
Stop Eating Your Budget
Feb 20 • 31 min
Are you tired of eating and drinking your money away? Lillian and Will (plus some helpful listeners) share their tips for spending less at restaurants and bars.Some strategies include:Involve your friends or co-workers in a “no eating out” challenge Start…
The Feeling of Money Control
Feb 13 • 37 min
Something we always say on this show is that money is highly personal. Well, one thing I’ve learned is there’s no specific “accomplishment” moment for when you are in control of your money. For some people it’s being able to buy whatever kind of cheese…
How to Pay Quarterly Taxes
Feb 3 • 33 min
Do you have a profitable side hustle? Are you entirely self-employed? Do you send invoices to get paid rather than than get a paycheck with tax deductions taken out? It’s entirely possible you should be paying quarterly estimated taxes then.Paying…
No More Shoeboxes! Complete Guide to Receipt Management
Jan 2 • 26 min
It’s the time of year where I just get MAD at one thing in my life: receipts. They just suck - they’re crinkly, they pile up, but theoretically you need to save them for tax purposes for 7 years. And theoretically “scan receipts” is a thing you can do,…
6 Financial To-Dos before the end of the (Longest) Year
Dec 28, 2018 • 20 min
Before 2018 closes out, we give you a list of a few things you should do wrap up your finances before the end of the year. Here’s a few things to try to handle before the clock strikes midnight:- Make sure to review your charitable giving priorities, if…
What money goal should you focus on next year?
Dec 26, 2018 • 26 min
It can be hard to choose a financial goal when it feels like you need to be doing everything - Pay off debt! Get a new job! Get a side hustle! Save for a trip around the world! Travel hack! Clip Coupons! We talk about how to choose a financial goal to…
A Genuinely Messed Up Situation with An Arm And a Leg Podcast
Nov 28, 2018 • 38 min
I’m really excited to have on reporter Dan Weissman to talk about his freshly-launched show, An Arm And a Leg podcast, which dives into the unique stories that come from the hellscape that is American health care. But it’s not depressing – it’s a nice…
Debt-Free and Queer ft David Auten and John Schnieder
Nov 21, 2018 • 27 min
Are you ready for a cute, heartwarming, and thought-provoking interview this week? I hope so, because after a month of American health care on this show, I’m ready for an uplifting story. John Schneider and David Auten of DebtFreeGuys.com and Queer Money…
Open Enrollment is like playing Dungeons & Dragons… with a drunk dungeon master
Nov 7, 2018 • 15 min
We have two listener questions this week for health care month: Anna wants to know how to fix an accidental over-contribution to her HSA without getting a penalty (time stamp 01:34), and Allison wants to figure out how to switch health insurance when the…
The $30 Spooky Health Plan You Probably Don’t Want
Oct 31, 2018 • 16 min
Just in time for halloween, we have an episode about some of the spookiest health insurance plans of all – “junk” health insurance plans, or “short-term” health insurance plans. The President must’ve heard that we’re talking about health insurance all…
Save money on dental – with or without insurance
Oct 24, 2018 • 21 min
Teeth can be expensive! Lillian breaks down some unexpected ways you can save on dental – from taking a trip to Hungary to opening a FSA account, and helps explain why dental isn’t quite like regular health insurance. In this episode I say “out of pocket…
How to choose a health insurance plan during open enrollment
Oct 17, 2018 • 23 min
Today we look at how to choose a health insurance plan – should you get a PPO, an HMO, or a HDHP? What is an HSA? And what do those acronyms mean anyway? What if you get free money from work?Open Enrollment is starting for many people! This is the time of…
Finding a Place to Live with Poor Credit
Oct 10, 2018 • 17 min
Even if you have poor or no credit, that doesn’t mean you’re stuck living in your parent’s basement forever. Here are some strategies for finding housing when you have poor credit, and also some strategies for repairing your credit after missed payments.…
How to Conference Travel on the Cheap
Sep 26, 2018 • 15 min
In a short episode recorded from a Hilton hotel closet in Orlando, Lillian shares some of her tips for traveling to conferences on the cheap – from flights, alternative accommodation, to using Instacart to get food delivered.This Show is Brought to You by…
What if your life decisions were made by the stock market? ft. KmikeyM
Sep 19, 2018 • 32 min
In a casual interview episode, I’m joined by Mike Merrill. Mike, or KMikeyM, has been doing one of the longest-running art project on capitalism as the world’s first publicly traded person, selling shares of himself to friends and strangers for 10 years.…
Creativity vs. Financial Security
Sep 12, 2018 • 22 min
Does financial uncertainty make you more creative or does it break your creative muscles? Lillian and Will reflect on their plethora of jobs, and Lillian justifies her choice to take a full-time temp job and launch a patreon for the show. (By the way we…
The Art of Debt ft. Cathy Byrd
Sep 5, 2018 • 24 min
Today’s guest is not to be missed. Cathy Byrd from Fresh Art International reinvented herself as an artistic nomad after she got laid off in her mid-50’s while in debt. She paid off all her debt a few months after unemployment, including short selling her…
How to start index investing in your 401K + using extra money
Aug 29, 2018 • 22 min
Kelly realized that she is doing “real investing” (picking individual stocks) and want to move into index funds instead (which is still investing!) But she’s not sure exactly how to do it. So we walk through how to build an index fund portfolio. Christina…
Money and Business as a Freelancer without “Selling Out”
Aug 22, 2018 • 19 min
Did you wake up one day and realize you’re accidentally a business owner? When you are a freelancer, you are the business. Danny Schuman accidentally ended up being an entrepreneur, and he figured out how to sustain himself even with the so-called “Worst…
How to make financial choices without overanalyzing
Aug 15, 2018 • 24 min
Maddie asks how to pick a bank from all the different options: credit union, online bank, local bank, multi-national – how do you choose?!Choosing a bank is hard!Some things to consider:How often you need to deposit cash or checks too large for an…
The Myth of “Money Mindset”
Aug 1, 2018 • 24 min
Lillian goes on a calm rant about the common refrain that you simply need to work on your “money mindset” to improve your financial outcome…while also talking about the value of it.We’re a big fan of this episode’s sponsor, Haven Life. If you’re…
How to take the home office tax deduction under new tax law
Jul 25, 2018 • 21 min
Lillian and Will walk through the basics of the home office deduction – and how things have changed under the new tax plan for 2018! You don’t need to have an LLC or own your home to take the home office deduction, but there are some things you need to…
Should Jessica buy a house or keep her cheap apartment?
Jul 19, 2018 • 21 min
Jessica asks if she should buy a house or keep renting in her cheap apartment longer, and more listeners share their experiences with homeownership.Episode Links:My favorite calculator to determine your monthly mortgage paymentThe NYtimes Rent Vs Buy…
How to Kick Butt at Money as a New Graduate
Jun 27, 2018 • 29 min
Lillian & Will share their own post-graduation money mistakes and give some tips for new college graduates on dealing with student loans, budgeting, and getting established.Get a copy of Get Your Money Together for the new grad in your life that could use…
Variable Income for the Perpetually Anxious
Jun 14, 2018 • 25 min
Variable Income. We’ve mentioned it a lot on this show because the more variable your income, the less traditional finance advice helps you. Today we talk about how to handle variable income when you’re anxious or neurotic (like Lillian!) So we’ll walk…
Live Episode from The Outlet PDX
Jun 4, 2018 • 18 min
Will and Lillian dive into a meta-episode about Oh My Dollar! at Outlet PDX for the launch of the Get Your Money Together book in front of a live audience and answer some questions about the show.Grab a copy of the book here!Learn more about your ad…
Should Eva invest in only stocks or also bonds in her 401k?
May 28, 2018 • 16 min
Listener Eva asks a question about picking investments in her 401K – should she stick with just a stock index fund or also a bond index fund? Here’s the J Collins Stock Series that Eva referenced (and I recommend) for an entertaining but illuminating view…
Bonus How to find your objective function (life purpose) ft Malcolm and Simone Collins
May 28, 2018 • 17 min
This bonus episode is probably one of my favorite dense episodes that’s a departure from our normal topic: Malcolm and Simone Collins are a married couple and tour de force for figuring out your values with brutal pragmatism – your objective function, as…
Financial Mothers of History + Making Money as a Creator ft Jason Porath (Long cut)
May 14, 2018 • 24 min
Author and illustrator Jason Porath, of the Rejected Princesses series, joins us to talk about some financially savvy women in history we might not know about, and talks about his experience making a living as a creator online. This is a longer version of…
The Case Against Homeownership
May 8, 2018 • 16 min
Lillian walks through a lot of the misconceptions about homeownership – including the idea that you haven’t “adulted” until you’ve insta-bragged about buying a house. Buying a house can be a great decision, but don’t get caught up in some of the myths…
What are Will & Lily’s largest purr-chases ever?
Apr 30, 2018 • 16 min
A free form episode where Will & Lily talk about the Get Your Money Together book, when the right time is to follow up on an unpaid invoice, how to pay for big business purchases, and their biggest single expenses. ever. Get the book at…
Do you need a financial advisor? with Michael Dinich!
Apr 24, 2018 • 19 min
Many people wonder how to figure out how to find a financial advisor without getting screwed over. Michael Dinich helps us untangle all different types of financial professionals out there. You can find out more about Michael Dinich at Yourmoneygeek.com…
Messy Money Mistakes ft. Jen Hemphill
Apr 16, 2018 • 17 min
Money mistakes. We’ve all made them. Those blunders or miscalculations that end up costing you money – and maybe upset a financial stability you’ve worked to build. Jen Hemphill, the author of Her Money Matters, joins us to talk about messy money mistakes…
Money alone doesn’t solve problems
Apr 9, 2018 • 11 min
One of the wonderful things about modern society is that when I have have a material need, if I have some money, I can usually exchange money to help fulfill that need. But comments on Lillian’s monthly financial reports prompted her to examine what money…
Should Adam’s project be a business or non-profit? + Figuring out Patreon Tiers
Apr 1, 2018 • 23 min
We answer two listener questions: How to figure out if you should be a non-profit, LLC, or become a corporation? and L asks how to set their patreon tiers (16:45) to make sure they can take money home. Reminder! You can pre-order the cat-filled Get Your…
How should Allison spend her $25,000 inheritance?
Mar 25, 2018 • 12 min
Allison writes in to ask about what to do with a “medium” inheritance, and Lillian helps explain how PHD students might not qualify to save in a Roth IRA. Don’t forget, you can pre-order Get Your Money Together workbook at ohmydollar.com/book Learn more…
Capitalism is immoral, but making money isn’t bad
Mar 19, 2018 • 12 min
Inspired by Jesse Horn at the Bond conference, Lillian and Will talk about why you shouldn’t feel bad about acquiring money, just because capitalism is immoral. Also spending less than $90 on a trip to SF. Reminder that Get Your Money Together book is…
Talking to your parents about money ft Eric Brotman
Mar 5, 2018 • 14 min
Eric Brotman from Brotman Financial Group joins us to talk about how to have the hard conversations about money with your parents, and help them plan for their own retirement. Check out Eric’s book on lowering your taxes at http://www.lowtaxbook.com/…
Stop Worrying about Other People’s Budgets – Relationships and Money
Feb 26, 2018 • 16 min
We bring back a new spin on an old topic from the archives: how to make a budget based in your own values – and how to talk about money with your spouse, partner, co-parent, or even just roommate [starts at 5:32] There’s still time to join the weekly…
What if you defaulted on your student loans? + other listener questions
Feb 19, 2018 • 28 min
We answer a potpourri of listener questions: Where do you keep an emergency fund? A money market? (1:21 timestamp) What is a CD ladder? (5:58 timestamp) Listener C just got a letter saying she had defaulted on her student loans. How does she get a handle…
Money when Depressed
Feb 12, 2018 • 17 min
When you’re depressed, it can be hard to get off the couch, let alone worry about your budget. Lillian shares some tips for handling your personal finances when you’re depressed. Set things on autopay. Ask a friend (or even me) to sit with you while you…
How to get life insurance when you’ve been hospitalized for mental health (and other listener q’s).
Feb 5, 2018 • 20 min
Eva asks if she really has to adult-up and get disability insurance (yes!) Rebecca wants to know if whole life insurance makes sense if someone can’t get term due to mental health hospitalization. Josh wants to know how to cash a savings bond when his…
Early Retirement: It’s Simple, But Not Easy ft Deacon Hayes and Douglas Tsoi
Jan 29, 2018 • 50 min
Early Retirement? I always thought that sounds like something only for silent velcro millionaires or tech bros – but it can be achievable without a windfall. We talk about the keys of starting with your values, budgeting, and using frugality to build up…
Curbing Impulse Purchases + Regrettable Spending
Jan 15, 2018 • 30 min
We share tactics to curb impulse purchases and regrettable spending. Also, we learn that Will owns every Animorphs book and is a sucker for odd citrus fruits. And learn what 18-year-old crustpunk Lily wanted to buy. Grab your “things I want” google sheet…
Setting Non-Boring Money Goals that Don’t Suck
Jan 8, 2018 • 19 min
Lillian and Will talk about how to set non-boring money goals that won’t set you up for new year’s resolution failure. Save more money! Spend less money! Roll over that darn 401K! Implement a new system! Other things that are fun! Check out my favorite…
New Year’s Resolutions: Ask For More Money ft Alicia McElhaney
Jan 2, 2018 • 27 min
Alicia McElhaney of the She Spends newsletter joins us to talk about one of the best ways to make more money in the new year: ASK FOR IT! We talk about tips & tricks for salary negotiation, and tell stories from our own experience with salary negotiation.…
New Year’s Resolution: Pay Less Taxes
Dec 27, 2017 • 16 min
Listener Eva asks how she can maximize her retirement savings and minimize her taxes as a self-employed person; Lillian talks her through SEP IRAs and Solo 401Ks (they’re nearly the same as one another but not the same as regular IRAs). We also cover the…
Building a budget with “little wins” + how to tax-deduct your health insurance
Dec 18, 2017 • 25 min
Lauren asks how to build a realistic budget with “little wins” and Lillian asks her to figure out what her wins and necessities are. Sara asks how she deducts the cost of her health insurance as a self-employed person. Plus, what to do before the end of…
Are Health Savings Accounts an evil Republican tax loophole or actual magic?
Dec 11, 2017 • 24 min
Listener health insurance questions answered: Are Health Savings Accounts an evil republican tax loophole for rich people or actually useful? How do co-pay assistance plans work? How do you work the system instead of the system working you? What do you do…
Mistakes not to make with health insurance ft Jack Hopper (long cut)
Dec 4, 2017 • 47 min
There’s so many confusing terms when you’re looking for health insurance: OOP, HMO, deductible, co-insurance, co-pays – how do you untangle them? How do you not go broke buying health insurance? Jack Hopper of Take Command Health, helps us figure it out.…
Is Dan money laundering? Should Alice cash out a 401K to avoid credit card debt?
Nov 27, 2017 • 17 min
We answer rapid fire questions: Should Alice liquidate a 401K to avoid credit card debt? Can Charlotte use her spouse’s income on a credit card application? Can Dan move money between the US and his home country without accidental money laundering?…
How to reduce your budget + recognize emotional spending
Nov 20, 2017 • 17 min
We answer listener questions about budgeting. Tamás asks how to reduce his budget when he can’t figure out what’s too high, and Sara asks how to recognize emotional spending & help curb it. (We’re back on a Monday posting schedule, thanks for your…
Oregon is making retirement plans a requirement for everyone ft. Joel Metlan
Nov 10, 2017 • 17 min
Oregon is trying to start a retirement planning revolution- every single business in Oregon will be required to offer a retirement plan of some sort by 2020. Joel Metlan joins us to discuss “Oregon Saves” and the behavioral economics built into the plan.…
Kids & Money ft. Kim Dubois Harrison
Oct 23, 2017 • 17 min
Listener Riah asks how much she should save up to have kids, and special guest Kim Dubois Harrison, discusses parenting choices about money, expensive childcare, and the time value of money as a parent. Learn more about your ad choices. Visit…
Financial Traps of Multi-level Marketing ft. Alden Wicker
Oct 16, 2017 • 18 min
Journalist Alden Wicker, author of “Multilevel-marketing companies like LuLaRoe are forcing people into debt and psychological crisis” for Quartz.com joins us for a discussion on the cost of MLMs. Read the article here. Oh My Dollar! has a cat-filled…
Don’t Panic! Buying your first home ft. Katie Bovitz
Oct 9, 2017 • 17 min
We have a special guest Katie Bovitz from the Portland Housing Center to talk about considerations for buying & financing your first home. (Let us know if you want the 1 hour version of this show!) Oh My Dollar is launching a purr-sonal finance workbook,…
We’re Back from Break!
Oct 8, 2017 • 6 min
A short episode just to say hello after Fall Break to give an update on Lillian’s travels. Oh My Dollar! is launching a cat-themed purr-sonal finance workbook: http://www.ohmydollar.com/kickstarter/ Learn more about your ad choices. Visit…
Demystifying Your Social Security ft Jon Rork
Sep 4, 2017 • 16 min
We’re back from our week break with an episode on Social Security featuring economist Jon Rork. Will it be around in 25 years? How does it work? Should you factor it in to your retirement planning? Learn more about your ad choices. Visit…
How to Improve a Bad Credit Score
Aug 21, 2017 • 17 min
Lillian walks through the three things you can do to improve a bad (or nonexistent) credit score, and why it might not matter. Learn more about your ad choices. Visit megaphone.fm/adchoices
What to do when you get a windfall
Aug 14, 2017 • 17 min
We talk about what to when you unexpectedly come into “extra” money – how to allocate it, and listener stories about how they used their windfalls. Learn more about your ad choices. Visit megaphone.fm/adchoices
How much $$ to keep in your bank account + going back to grad school
Aug 7, 2017 • 12 min
A live show from the Oh My Dollar! and XRAY in the morning crew, Lillian answers two listener questions: Alan wants to know how much to keep in his bank account, and Catherine asks how to plan for $90K of graduate school debt. Learn more about your ad…
You can buy anything you want, but not everything
Jul 31, 2017 • 20 min
We discuss some great splurge ideas, and how to plan for them, include Lillian’s big trip from Dublin > Shanghai by train, and Will’s fantasy of crossing the Pacific on a cargo ship. (H/T to Paula from affordanything.com for the great exercise.) Learn…
How to get money out of retirement early
Jul 24, 2017 • 31 min
It’s totally possible to get to retirement money early! Lillian walks you through the legal ways to get money without paying crazy penalties. Plus – why you shouldn’t do that! Learn more about your ad choices. Visit megaphone.fm/adchoices
Untangling COBRA and Healthcare.gov premiums
Jul 17, 2017 • 17 min
What should you do about health care when you leave your job? Why does COBRA cost so much and why does it sound so scary? And how to figure out healthcare.gov premium assistance with variable income. Learn more about your ad choices. Visit…
Your Backup Plan for Living (Life Insurance)
Jul 10, 2017 • 12 min
We talk about life insurance policies – and what the difference between term and whole life insurance policies are. And what being “self-insured” really means. Learn more about your ad choices. Visit megaphone.fm/adchoices
How to Plan for All Your Darn Friends Getting Married
Jul 3, 2017 • 16 min
If you’re in your 20’s or 30’s, you’re might be getting invited to weddings. Possibly lots of them. Just attending a wedding, let alone standing up in one, costs money! How do you make a budget for that? Learn more about your ad choices. Visit…
The Worst Case Scenario (Life + Long-Term Disability Insurance)
Jun 27, 2017 • 13 min
Lillian walks you through two types of insurance most folks should have, but no one wants to think about: life and disability insurance! We also cover what Worker’s Comp does and doesn’t cover. Sorry we’re a day late this week; technical difficulties +…
Premiums, Deductibles, and other insurance terms
Jun 19, 2017 • 28 min
Will and Lillian break down a bunch of different insurance terms and tell you about what kind of insurance you need to get – and how it might actually help you out (did you know renter’s insurance might cover your stolen bike?) Learn more about your ad…
The Power of Batch Cooking ft. Emily Corso
Jun 12, 2017 • 19 min
Professional cage fighter, personal trainer, batch-cooking enthusiast and all-around badass Emily Corso joins us to discuss ways to make cooking healthier, cheaper, and easier. (One Solution: tacos for breakfast!) Check out Emily’s gym at…
Meal Planning (the secret weapon) ft. Nicole Dieker
Jun 5, 2017 • 25 min
Nicole Dieker from the wonderful website The Billfold joins us to talk about the most awesome way to reduce your stress and lower your grocery budget at the same time- meal planning! Learn more about your ad choices. Visit megaphone.fm/adchoices
What kind of employee are you? 1099 or W2?
May 29, 2017 • 16 min
We dive into the legal differences between independent contractor + W2 (regular) employee – and how it affects your finances and your legal protections and how it might be misused. Also, how Canada does it better. Learn more about your ad choices. Visit…
Sticking to your budget despite peer pressure + the secret to saving money
May 22, 2017 • 21 min
We give some tips on dealing with peer pressure from coworkers and friends about spending money when you’re on a budget – and how to figure out where to trim your budget (the fact is that you probably already know what you need to do). Plus, we talk about…
There is no good or bad debt + how you put pre-tax money in an IRA
May 15, 2017 • 19 min
Lillian goes on an educational rant about the concepts of “good debt and bad debt” and she answers the perplexing question of how you actually get money into a pre-tax IRA. Learn more about your ad choices. Visit megaphone.fm/adchoices
Social worker pays off $18,000 of debt! + What Kind of Benefits to Negotiate For
May 8, 2017 • 17 min
How American expats can avoid paying US taxes (it’s not easy); what sort of benefits you should look for in a job offer; And Kelsey calls in to celebrate paying off $18,000 in student loans by being a night nanny on top of her day job as a social worker.…
How to quit your job and be freelance (Listener Questions)
May 1, 2017 • 36 min
Listener questions: What’s a Roth 401K and who should use it?… What should I financially prepare for if I want to go freelance?… When does it make sense to incorporate as a freelancer?… and How to budget when life is chaotic! Learn more about your ad…
Kick Butt With Your Tax Refund + 1099 tax strategies
Apr 17, 2017 • 16 min
You’ve got a tax refund! Now what should you do with it? Lillian & Will also cover strategies for reducing your taxes when your income comes in the form of self-employed 1099 income. Learn more about your ad choices. Visit megaphone.fm/adchoices
Credit Hacks + Lillian’s Booze Spending Report
Apr 10, 2017 • 16 min
A water cooler episode where we discuss some tips on raising your credit score (if you need/want to) and how much money Lillian has saved by quitting drinking. Lillian’s monthly expenses reports: http://anomalily.net/category/monthly-expense-reports/…
How to go through adult life “permanently in debt”
Apr 3, 2017 • 20 min
Listener Lola asks about how to plan for her future when she has six figures of college debt she’ll never be able to pay off. Lillian asks her to challenge her assumptions and start hating the debt. Learn more about your ad choices. Visit…
The Government Will Pay You to Save For Retirement
Mar 28, 2017 • 16 min
Lillian compares compound interest to bunnies, explains how she saved for retirement even when making $800/month – and the wonders of the Saver’s Credit – which gives you money back to save for retirement! If you’d like to learn more about the Saver’s…
Budgeting Rule #1: You Do You
Mar 19, 2017 • 5 min
From the radio vaults, we bring you a short episode about the #1 most important thing in your budget: your values. You can’t avoid looking at your budget without considering your values – no one else’s budget will work for you. Learn more about your ad…
Why Budgeting is the Root of All Awesome
Mar 15, 2017 • 17 min
Budgeting- many people think budget is a scary word – that it implies extreme frugality, being broke, or some sort of deprivation. But most folks that are on top of their money – in fact, the average millionaire – have said a budget is the #1 key to…
Staying Motivated in the “Hard Middle” of Big Goals
Mar 5, 2017 • 17 min
Sometimes the most frustrating part of money is that building wealth is a marathon, not a sprint. We talk about the “hard middle” of working towards a big goal- where you’re making progress but it seems slow, and the end payoff seems far off. So we ask…
A Great Credit Score Does Not Mean You Have It Together
Feb 27, 2017 • 17 min
Many people think that if they’ve achieved a great credit score, they’re done, they have it all figured out and they’re financially well. That’s simply not true – a credit score is not a measure of financial well being. Lillian talks about the myths…
Making a living as a performing artist without getting famous
Feb 20, 2017 • 27 min
Special guest John Vergin joins us for an episode of what a 40-year career of hustle as a working performing artist looks like without getting famous. John dropped out of college and never held a so-called “real job” but balancing his creative work as a…
Everything you need to save for retirement in 30 minutes (if you’re under 40)
Feb 12, 2017 • 30 min
Everything you need to know about saving for retirement in your 20’s and 30’s Lillian answers all the questions you’ve been too scared or too lazy to ask about investing for retirement. She covers 401ks & IRAs, explains how you choose what to invest, and…
Tales of Financial Procrastination
Feb 5, 2017 • 11 min
You know those nagging little financial tasks? The ones you procrastinate on? We talk about conquering those tasks that cost you money (including Lillian’s current procrastination on her money) – and hear a bunch of listener stories of times they…
Your Trump Health Insurance Questions Answered
Jan 30, 2017 • 24 min
A top money concern for many under the new administration is health insurance. Our special guest Ben Mcewan, helps answer your questions about health insurance in the Age of Trump: will the marketplace plans go away? Should you get off medicaid/OHP onto a…
#3 New Year’s Resolutions & Picking a Rewards Card
Jan 16, 2017 • 23 min
Lillian talks about some New Year’s resolutions to set for your money, and how to make them easier PLUS she discusses how to choose a rewards credit card. [Producer Will Romey, Music Aaron Parecki) Aired on KRXY Portland Learn more about your ad choices.…
Planning for Known Unknowns
Jan 13, 2017 • 14 min
Today we talk about those things that might be emergencies – but are expected emergencies – and how to prepare for them. And how you can avoid using your emergency fund (if you have one yet!) on things you can reasonably expect to happen. Learn more about…
Budgeting on a variable income
Dec 26, 2016 • 12 min
In our first episode of Oh My Dollar! Lillian talks about living off last month’s income and answers questions from from Lucy (Portland, OR) a comic artist who asks how to plan to budget on variable income and Emily (Portland, OR) a small business owner…