Shows
Money ChatDecoding Your Grocery Store Basket: The Grocery MasterclassWelcome to this long-form episode of Money Chat, where we pull back the curtain on the multi-billion dollar chess game happening inside your local supermarket. In an era where food-at-home prices have surged by approximately 25 percent since 2020, the simple act of buying eggs and milk has become a complex financial maneuver.In this episode, we dive deep into the strategic economics of the 2024-2025 grocery landscape to help you understand why prices are rising, how retailers are making their money, and where you can find the absolute lowest prices in your neighborhood.The Crisis of...
2026-01-1818 minMoney ChatThe $20 Billion Service Tax: Strategic Asset Management in the Service BayIs your vehicle a reliable asset or a hidden wealth drain? In this episode, we dive deep into the high-stakes world of automotive maintenance, where the difference between "preventative care" and "predatory upselling" costs American consumers over $20 billion annually. While the average cost to own and operate a new vehicle has climbed to a staggering $12,297 per year, the service bay remains the one area where proactive strategy can fundamentally alter your Total Cost of Ownership (TCO).We break down the quantitative foundations of what we call the "Automotive Asset Strategy." Did you know that...
2026-01-1006 minMoney ChatAre You Eating Your Savings? The Financial Case for Home PrepSTOP Ordering Takeout Until You Hear This.Are you stuck in the cycle of ordering delivery, knowing you should be cooking, but believing you just don't have the time or energy? Do you swipe "Next" past the mounting service fees and tips on your favorite apps, only to feel the pinch later?This episode of Money Chat is a mandatory financial intervention. We cut through the convenience marketing and expose the staggering monetary gap between eating out and eating at home. We're not talking about minor savings; we’re talking about thousands of dollars a ye...
2026-01-0305 minMoney ChatIs the Internal Combustion Engine Still King of the Commute?The rules of the road just changed. On September 30, 2025, the federal government officially sunset the tax credits that once made electric vehicles an easy financial choice. Now, in a post-subsidy world, car buyers are left asking: Does the math still work?In this episode, we break down the definitive 2025 Total Cost of Ownership (TCO) report. We move past the hype and the politics to look at the cold, hard numbers of the "One Big Beautiful Bill Act" (OBBBA) and how it has reshaped the automotive landscape. Whether you’re eyeing a new Ford F-150 Lightning, a used Te...
2026-01-0306 minMoney ChatThe Octane $avings PlanStop Burning Money at the Pump! Discover the Billion-Dollar Secret That Saves Your Engine and Your Wallet.This episode of Money Chat cuts through the pump-side marketing hype to expose the hidden costs and massive savings opportunity sitting right under your hood.Every year, American drivers waste an estimated $2.1 billion on premium gasoline that offers them no measurable benefit. Are you one of them? If you drive a regular-required vehicle but use premium for "better performance" or "a cleaner engine," you’re falling for a myth that costs you up to $647 annually. This podcast is yo...
2025-12-0705 minMoney ChatThe Great Wireless Deception: How to Stop Overpaying for Priority Data You Don't UseAre you wasting hundreds of dollars every year on a premium cell phone plan that delivers exactly the same service as a plan half the price? For most North Americans, the answer is a resounding yes. This week on the podcast, we dive into the ruthless, complex world of US wireless connectivity, exposing the financial and technical secrets that the major Mobile Network Operators (MNOs)—AT&T, T-Mobile, and Verizon—use to justify charging a $30 to $60 monthly premium over disruptive MVNOs like Visible, Mint Mobile, and the blockchain-powered Helium Mobile.This isn't just about price; it’s about...
2025-11-2905 minMoney ChatAre Cell Phone Carrier Trade-in Deals a Trap?Every fall, wireless carriers flood the market with irresistible offers: "$800 off a new phone with a trade-in!" It feels like a massive discount, but we’re here to expose the truth: You are caught in a brilliantly rigged financial game.This episode cuts through the carrier marketing to reveal the actual total cost of ownership (TCO) for your smartphone. We’ll show you why frequently upgrading your device—even with a high trade-in credit—is the most expensive mistake you can make, and how the lowest annualized cost is achieved by simply keeping your phone for 3 to 4 years.
2025-11-2206 minMoney ChatAvoid Black Friday Price Anchoring TrapsThe signs are everywhere: massive banners, countdown clocks, and bold claims of "70% OFF!" But here is the truth few dare to admit: Black Friday and Cyber Monday are financial minefields. The perceived value of these deals is often an illusion, manufactured by sophisticated retailers who are expertly trained to exploit your urgency.In this explosive episode, we expose the data that proves it. We reveal the strategy known as price anchoring, where retailers systematically inflate the "original price" in the weeks leading up to the holiday just to make the advertised discount percentage look enormous. Data science ana...
2025-11-1606 minMoney ChatHSA vs FSA vs DCFSA: The Ultimate Tax Saving Trifecta and Investment StrategyIt's Open Enrollment, and you’re faced with the most complex, high-stakes decision on your benefits menu: HSA, HFSA, or DCFSA? Choosing the wrong account can cost you thousands in lost tax savings, forfeited funds, and even disqualify you from future retirement wealth. Stop taking advice from a company brochure and use our expert framework to decide which tax-advantaged account is right for you.The HSA Triple-Tax Advantage: The Ultimate Retirement Hack.The Health Savings Account (HSA) is far more than a health account—it’s the best investment vehicle in the tax code. We detail its Triple...
2025-11-0807 minMoney ChatThe Benefits Architecture: Why Your Company Offers Two Life PoliciesDo you know why your employer offers you two different life insurance policies? Are you sure your voluntary coverage is the smart choice, or are you paying too much for non-portable protection? Most employees look at their benefit options and guess. This episode gives you the definitive financial framework to evaluate, quantify, and secure the right level of protection for your family.We start by decoding the corporate strategy of the dual offering: You get a small, free Group Term Life (GTL) policy as a baseline benefit and an option to buy Voluntary Supplemental Term Life (VTL...
2025-10-3106 minMoney ChatThe Benefits Lock-In: Why You Can’t Change Your Health Plan Mid-YearIt happens once a year. That frantic three-week period where you have to decide on medical, dental, vision, and FSA plans for the next 12 months. And the pressure is real: make a mistake, and you’re locked in. But why are companies so rigid? Why can’t you change your elections when life changes?In this essential episode, we tear down the "lock-in" rule to expose the regulatory and economic forces that govern every benefits package in America. The inability to change your elections year-round is not corporate bureaucracy; it’s a non-negotiable legal and financial mandate, and it...
2025-10-2607 minMoney ChatThe New Tax Reality: Stop Waiting for Itemized DeductionsYou take the Standard Deduction—and you are in the vast majority of American taxpayers. This means that 90% of generic tax advice about itemizing is completely worthless to you. Stop focusing on state taxes and mortgage interest! For 2025, your entire tax strategy must shift to two critical levers: reducing your Adjusted Gross Income (AGI) and maximizing tax credits. Every dollar you cut from AGI is a dollar removed from taxation, and we’re giving you the 2025 playbook designed exclusively for non-itemizers.ANCHORING THE FOUNDATION: The 2025 Standard Deduction provides a fixed floor, set at $15,000 for Sing...
2025-10-1807 minMoney Chat529 Secrets Revealed: How to Maximize College Savings, Beat Financial Aid Penalties, and Get a Tax-Free Roth IRA Escape HatchAre you sure you’re using the right account to save for college? Many families are sacrificing thousands of dollars in tax benefits and slashing their child's financial aid eligibility all because they chose the wrong savings bucket. Stop saving hard and start saving smart!In this deep-dive episode, we unpack the ultimate education savings landscape, where the right structure is the difference between tax-free wealth and devastating penalties.The undisputed champion is the 529 Qualified Tuition Program (QTP). We show you why this $508 billion powerhouse is the market leader, of...
2025-10-1507 min
Calm Down HoganThe Cost of Keeping Up Ep4Money, banks, budgets and all the chaos that comes with it. This week we’re checking in on the real stuff — how the banks keep robbing us, budget scares, recalls, and a few legends who’ve helped us out along the way.We also get into how money problems can wreck relationships, lead to divorce, and why teamwork (or lack of it) can cause more than just financial stress. Hogan opens up about his own money dramas and the road to sorting them out. Real talk from real blokes trying to figure it out.http...
2025-10-111h 23Money ChatDegrees of Wealth: Quantifying the ROI of Every Diploma LevelEvery major financial decision has a multiplier effect, but none is more impactful than your choice of higher education. If you think getting a degree guarantees wealth, you're only half right. The full truth is that the level of degree and the major you choose are the ultimate levers that decide your lifetime financial trajectory.In this episode, we expose the quantifiable economic returns of education, moving beyond vague concepts to deliver hard numbers that define your career ceiling.The Compounding Power of Your First Paycheck: We reveal the biggest financial secret of your career...
2025-10-0506 minMoney ChatFed Rate Cut Declassified: What the Rate Drop Actually Means for Your Debt, Savings, and the Uncertain EconomyThe Federal Reserve just cut its benchmark interest rate. Great news for the economy, right? Maybe. The truth is, the Fed's decision is a complex financial lever that has immediate, yet often contradictory, effects on your savings, your debt, and the overall stability of your wallet. Don't let the headlines confuse you—this episode is your essential guide to decoding the Fed.We start by demystifying the Federal Funds Rate (FFR), the interest rate banks charge each other for overnight loans. This seemingly obscure number is, in reality, the cornerstone of U.S. monetary policy, serving as th...
2025-09-2706 minMoney ChatTriple-Threat HSA: How to Turn Your Health Savings Account into the Most Powerful Tax-Free Retirement VaultWhen it comes to managing both your healthcare costs and your long-term financial goals, few tools spark as much curiosity—and confusion—as the Health Savings Account (HSA). Some call it the “triple-tax-advantaged super account.” Others dismiss it as too complicated or restrictive. So, what’s the real story? Should you be putting your money into an HSA, or steering clear?In this episode, we break down everything you need to know about HSAs—from who qualifies, to how they work, to why they may or may not fit your health and retirement strategy.💡 What’s an HSA, Really...
2025-09-2008 minMoney ChatWithdrawal Sequencing: The Key to Keeping More of Your MoneyWhen you finally hit retirement, the big question flips. It’s no longer “How do I save?”—it’s “How do I spend?” And surprisingly, the order you withdraw from your accounts can make or break your retirement strategy.In this episode, we break down the art and science of withdrawal sequencing—deciding whether to pull from taxable accounts, traditional IRAs/401(k)s, or Roth accounts first. The order matters because it affects:Your tax bill every yearThe longevity of your portfolioWhether you’ll trigger higher Medicare premiums or Social Security ta...
2025-09-0709 minMoney ChatShould Social Security Be Your Safety Net or Foundation?When it comes to retirement planning, few topics stir as much debate as Social Security. Is it a reliable foundation for your golden years—or just a safety net you shouldn’t count on? The truth lies somewhere in the middle, and how you use Social Security in your strategy depends heavily on where you are in your career.In this episode, we take a clear-eyed look at what role Social Security should play in your retirement planning—and how that role changes if you’re just a few years away from eligibility versus if you’re decades fr...
2025-08-2806 minMoney ChatPensions, 457s, and 403(b)s - Retirement Plans Beyond the 401(k)When most people think of retirement savings, they picture a 401(k). But what if you’re a teacher, nurse, nonprofit worker, or government employee? Chances are, you have access to retirement accounts most people don’t even know exist—403(b)s, 457(b)s, and pensions. And if you know how to use them right, these plans can give you an incredible edge in building wealth for retirement.In this episode, we break down the less common, but incredibly powerful, retirement account options that could change your financial future.You’ll learn:403(b) Plans: Similar...
2025-08-2007 minMoney ChatRetire Rich: The Power of Starting EarlyIf you’ve ever wondered how some people retire comfortably while others struggle to make ends meet, the answer often lies in one simple habit: consistent investing in retirement accounts.In this episode, we pull back the curtain on the most powerful wealth-building tools available to everyday people—401(k)s, IRAs, Roth IRAs, and other tax-advantaged retirement accounts. These aren’t just savings accounts; they’re financial growth engines that can turn small, regular contributions into a seven-figure nest egg over time.We start by breaking down how retirement accounts work—from the tax benefits that give...
2025-08-1606 minMoney ChatRent or Buy? The Ultimate Housing DecisionIn this deep-dive episode, we explore one of the most important—and most misunderstood—financial decisions you’ll ever face: Should you rent or buy your home?If you’ve ever wrestled with questions like “Am I throwing money away on rent?” or “Will buying a house set me up for long-term wealth?”, you’re not alone. For decades, conventional wisdom has told us that owning is always better. But in today’s economy—where interest rates are high, housing prices have surged, and flexibility is increasingly valuable—that old advice may not hold up.We break down the real math ...
2025-08-1008 minMoney ChatWhat insurance do I need, and how much?Did you know that if you haven't shopped around for insurance you might be overpaying? This isn't just about finding a cheaper insurance company, often your loyalty to one company means your rates will be raised without you knowing there are other cheaper options.
2025-08-0107 minMoney ChatHow do I make a budget?Where do I start with making a budget? I know I need one, but how do I know what I need to include? Learn this and more on this weeks episode of the Money Chat podcast.
2025-07-2407 minMoney ChatIs a Budget Important?A personal budget is the strategic cornerstone for achieving profound financial control and empowerment. Budgeting transcends mere numerical tracking; it serves as a meticulously crafted blueprint that illuminates the intricate flow of money within a household. It provides an unequivocal understanding of cash inflows, meticulously tracks expenditures, and definitively reveals whether a healthy surplus is available for savings and investment, or if a deficit is actively depleting existing reserves or contributing to household debt. There is a dual-pronged approach to financial optimization: actionable strategies designed to amplify cash inflows and astute tactics aimed at streamlining and reducing cash outflows...
2025-07-1606 min
Money ChatUncovering Top High-Yield Accounts (HYSA) & Smart Cash StrategiesOne of the best places to park your cash while still earning interest is a high-yield savings account (HYSA). But which one, and what do they expect you to do to each this interest?Let's dive into smart cash strategies, and what the best current HYSAs are in July 2025.
2025-07-1006 min
Girl Gang Craft The PodcastIn The Business of Luxury TravelVanessa McGovern, Co-Founder and Chief Sales and Marketing Officer at Gifted Travel Network joins Phoebe on the pod to talk about the entrepreneurial pursuit of travel advisors and the innovation in curating a luxury travel experience. Episode Highlights ✿ Gifted Travel Network connects clients with Travel Advisors that are hands on in crafting their entire destination experience ✿ A Travel Advisor is an ongoing supportive service that caters to the client throughout the booking process and beyond. ✿ GTN offers an educational development program to start your own travel advisory business ✿ The Luxury Mi...
2024-10-0949 min
Girl Gang Craft The PodcastLaunching Less, Earning More with Caitlin BacherCaitlin Bacher, founder of Scale With Success joins Phoebe on the pod and shares her key elements to having an evergreen launch for course creators. Episode Details: ✿ Why launching didn’t work for Caitlin ✿ Realizing the expenses that go into launches (money + time!) ✿ Pivoting to evergreen autopilot course offerings ✿ Creating sustainable growth programs for clients ✿ Building a “Choose Your Own Adventure” sales experience for your customers Follow Caitlin @caitlinbacher and visit caitlinbacher.com for all offerings Apply Now - Girl Gang Craft Holiday Gift...
2024-10-0244 min
Money ChatImplicarea în comunitate. Ce face diferența?Toți ne dorim ca lumea din jurul nostru
să devină mai bună. Dar cum pot contribui companiile și băncile la asta?
Andreea Remețan l-a invitat pe Daniel Matei, Sustainability & ESG Manager,
Raiffeisen Bank România să ne povestească despre ce anume face diferența în
implicarea în comunitate și cum se poate implica fiecare noi, fără prea mare
efort. 🙋♂️ 🌍
Episodul
7 din #MoneyChat Podcast este disponbibil acum pe Spotify! 🎙️
#MoneyChatPodcast
#sustenabilitate #RaiffeisenBank #Voluntariat #ImplicareInComunitate
2023-11-2116 min
Money ChatCreditarea pentru locuințe verzi. Merită să investești într-o locuință verde?Această ediție aduce o discuție proaspătă între gazda podcastului MoneyChat Podcast, Andreea Remețan și
invitata sa, Daniela Trandafir, Head of Lending Products, Clienți Persoane Fizice la Raiffeisen Bank România, despre case verzi, rentabilitatea unei astfel de case și obținerea unui credit pentru case verzi. 💚 🌱
#MoneyChatPodcast #CaseVerzi #CreditPentruCasaVerde
#RaiffeisenBank
2023-11-0712 min
Marriage Kids and Money: Personal Finance for FamiliesDon't Sacrifice Your Future to Pay for your Kid's College | Dorethia KellyDorethia Kelly, nationally recognized and award-winning financial coach and author of the book #MoneyChat, joins us to discuss what happens when parents help their children through college and the beginning stages of their children’s lives and ignore their own financial futures.We chat about the importance of parents prioritizing putting on their own oxygen masks before they help their kids, learning how to save money for an emergency fund, parent guilt, scholarships. community college, and more!WORK FROM ANYWHERE SEGMENT:Lisa Zeeveld, CFO and podcast host of Belay, a flexible virtual staffing so...
2023-10-2342 min
Wealth and Wisdom Together®89. Dorethia Kelly: The Impact of Your Personal Finances on Entrepreneurial SuccessDoes your wealth strategy include becoming a business owner? or have you already begun the journey of becoming an entrepreneur? Our guest, Dorethia Kelly, MBA., an award-winning financial expert, is here to guide you towards success in your business journey with her tips on personal finance management. She is the CEO of #MoneyChat® and Work • Space • Spark™, a career growth and office décor subscription box.
Dorethia has earned a name for herself in the field of personal finance and business coaching, and she empowers people to achieve their financial, entrepreneurial, and career goals through her coaching, keynotes...
2023-09-0639 min
ABOUT THAT WALLETS3E55: [Dorethia Kelly] How To Improve Money Conversations In RelationshipsToday's episode we are talking about Money Chats that need to happen when you are you dating. Join us as we do a deep dive into some of these dating and money conversations!
About Our Guest
Dorethia R. Kelly @DorethiaKelly, MBA, is a nationally-recognized and award-winning financial expert and coach, specializing in helping ordinary people conquer their worst fears on the way to becoming debt free and financially independent. She is a personal finance and business coach, author, and CEO of #MoneyChat®. She is also the Founder and CEO of Work • Space • Spark, a career growth subscription box. Known for her ch...
2023-07-1826 min
So Money with Farnoosh Torabi1539: Ask Farnoosh: Money Topics to Discuss Before Marriage, Using Debt to Pay Off Student Loans and MoreThis week Dorethia Kelly, nationally-acclaimed financial expert and author of #MoneyChat, joins to help answer your financial questions, including what to discuss with your partner *before* getting married, the risks to using a life insurance loan to pay off a student loan, steps to being a more environmentally conscious consumer and how to help a friend who needs financial support.Mentioned: Farnoosh's interview with Molly Wood about climate solutions. Learn more about your ad choices. Visit megaphone.fm/adchoices
2023-07-1431 min
Money Talk With TiffStress-Free Student Loans: Everything You Need to Know to Manage Your Debt | Ep. 238Are you struggling with managing student loan debt? Don't worry, you are not alone! Dorethia Kelly is here to help. In this episode, she shares her valuable insights on how to stay informed and prepared for when your student loan payment pause ends. From consolidating loans to staying up to date on current loan forgiveness programs, Dorethia provides the knowledge and tips needed to get ahead of your student debt. Get ready to take control of your student loan journey and start planning a brighter future today! About Our Guest Dorethia R...
2023-06-1521 min
I’m Not Sure. But, It’s Okay.The Best Coaches are Coachable Too with Dorethia Kelly (38)Story 38/100: Dorethia Kelly reminds us that we must continue to be coachable and relevant -- as we coach others with our lived experiences, in business ventures, navigating careers, building community platforms, personal finances, parenting, and becoming the best versions of ourselves.
Dorethia Kelly, MBA is a Financial Expert, Entrepreneur, Author, and Coach
💰 Founder & CEO #MoneyChat
💰Founder & CEO Work • Space • Spark™
🔗 Dorethia Kelly, MBA 💰 For finance and business coaching dorethiakelly.com 💰Meet her subscription box career growth team and community WorkSpaceSpark.com Rate our Show. Learn more about our project at www.NotSureOkay.live
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2022-03-231h 13
Culture Building like a PRO109: The Value of Creating an Inspiring Workspace with Dorethia KellyNow’s the perfect time to thoughtfully connect with your team, peers & leaders… especially with Christmas quickly approaching. In this episode, Dorethia Kelly breaks down the value of creating a visually inspiring workspace, how it cultivates team networking, and how personal branding boxes for professionals will help you get started!Dorethia Kelly, MBA is the Founder and CEO of Work • Space • Spark, a monthly subscription and online community for working professionals. Dorethia leads professionals through career training, personal branding, and financial growth in a way that's actionable and builds confidence. An entrepreneur at heart, she has been financially empoweri...
2021-11-3035 min
SisChatMoneyChatThey say money makes the world go round... I think gravity should get a little bit more credit here as well, but I see their point. In today's episode, we have a little chat about our finances in the times of the virus and the different approaches we've taken to handling the vast fortune we get from working 8 hours days and being employed part-time and then losing that job. As you can clearly read, we're swimming in excess cash. Don’t worry, we don’t get preachy about savings and reaching your fullest potential with your money, we simply talk abou...
2020-08-2234 min
The His and Her Money ShowHow to Become More Valuable At Work With Dorethia KellyOn today’s episode of The His & Her Money Show, great information and insights are shared with us by our guest, Dorethia Kelly, a Finance and Business Coach, Founder of The Money Chat, and author of MoneyChat Book. Dorethia is an expert in looking for realistic ways to earn and save money, getting out of debt, and creating a financial life plan. She shares valuable insight on how to become more valuable at work. WHAT YOU WILL LEARN IN THIS EPISODE Tips on how to become more valuable at work. What “owning your success” means. How to be...
2018-07-3039 min
Support is SexyPrepping Business for Corporate Partnerships with Money Coach Dorethia KellyIn a candid interview with Dorethia Kelly, the money coach and #MoneyChat Founder/CEO opens up about becoming a single mom at age 15, constantly feeling broke and hustling to make ends meet, and the finally discovering the books, resources and information she needed to get her financial life in order, and ultimately to help others do so as well. On this episode of the Support is Sexy podcast, Dorethia shares why you have to treat your business as if it's the only way you eat! Learn more about your ad choices. Visit podcastchoices.com/adchoices
2018-07-0457 min
???? ????? ???? 201129 | Comparison Trap w/ Dorethia KellyDorethia Kelly, MBA is the president of Connor Financial Coaching, LLC, providing results-oriented personal finance and business coaching services. She is also the founder of the popular #MoneyChat Personal Finance Blog, TheMoneyChat.com and OnlineTwitter Chat hence the Inspiration for #MoneyChat the book!
Connect with Dorethia:
Website | dorethiakelly.com
Show notes for today’s episode can be found at: http://www.crystallayland.com/2018/comparison-trap-dorethia-kelly/
Leave a rating & review: http://bit.ly/herpodcast
2018-03-0621 min
AURN ArchivesPaying Yourself FirstPersonal finance: Pay yourself first and start an emergency savings (or income interruption) fund. Our guest is Dorethia Kelly, author of #MoneyChat The Book: How To Get Out of Debt Successfully, Manage Your Money and Create Financial Security. Learn more about your ad choices. Visit podcastchoices.com/adchoices
2017-09-1214 minAURN ArchivesPaying Yourself FirstPersonal finance: Pay yourself first and start an emergency savings (or income interruption) fund. Our guest is Dorethia Kelly, author of #MoneyChat The Book: How To Get Out of Debt Successfully, Manage Your Money and Create Financial Security. Learn more about your ad choices. Visit podcastchoices.com/adchoices
2017-09-1214 min
Money Mastermind ShowSteps To Achieving Financial SuccessThe Money Mastermind Show welcomes Dorethia Conner Kelly from #MoneyChat to our studios to chat about how you can take your next step on the staircase to wealth and prosperity no matter where you currently are. Some people believe the path to financial success is too daunting to take on, but every journey starts with a first step! https://moneymastermindshow.com/episode38-steps-to-achieving-financial-success/ Some important questions discussed in this episode: What should financial success mean to you? What first steps should I take? How do I go about bettering myself with so many options out...
2015-02-2655 min