Shows
It Doesn't Make CentsWhat would you do differently with your money if you weren’t constrained by “supposed tos?”We’ve talked a lot about what we’re “supposed” to do to be real adults and be considered successful on the right path. We've tackled everything from college to marriage to homeownership to having kids.Topics covered in this wrap-up episode* What makes an adult?* Do you really want to follow that prescribed path?* The importance of re-examining your life path and money to determine if you really want to do it.* Realities of today: working hard doesn’t guarantee you financial success.* What’s something each of us w...2024-12-2024 min
It Doesn't Make CentsAre you stupid if you live in a high-cost area?Geo-arbitrage is the practice of moving from an area with a high cost of living to a place with a lower cost of living. It’s one of the bits of advice some FIRE enthusiasts suggest for those looking to reach financial freedom faster. But does using geo-arbitrage always make sense?Topics covered in this episode on geo-arbitrage* What is geo-arbitrage?* Is moving really just about the money?* How to understand your lifestyle and how it fits into geo-arbitrage* Reasons to move * Realities of moving to a lo...2024-12-0331 min
It Doesn't Make CentsShould you bust your butt to maximize your earning potential?We’ve talked a lot about hustle culture and the grindset bros and girl bosses who drive the narrative that time is money and you must be productive all day, every day. But is being a workaholic really the way to make all the money?In this episode, we discuss how you don’t always have to be productive and how sometimes it’s okay just to do something because you enjoy it and not because it makes you money.Topics covered in this episode on finding time to NOT be productive* Th...2024-11-2737 min
It Doesn't Make CentsThere's no ladder to climbA friend recently walked off a job that pays fairly well for this area because the work environment was toxic and he wasn’t getting the time and flexibility he needed to be with his son. In fact, an MIT Sloan Management Review survey from 2022 pegged a toxic work environment as the number one indicator of people leaving during the Great Resignation.You don’t need to stick with the traditional career path, staying with a job for two to three years—or longer. There are a number of interesting ways to change things up and ge...2024-11-1924 min
It Doesn't Make CentsIt’s ok to keep your 9-to-5We hear it all the time from hustle bros and entrepreneurial gurus: the only way to live your best life is to quit the 9-to-5 ASAP and build your own business empire. Otherwise, you’ll die sad and alone and probably poor as well.It’s easy to disparage the “traditional” job. We talk about escaping the rat race and finding financial freedom. In this episode, we talk about how even though the regular career path can be tedious at times and even lead to burnout, you don’t HAVE to quit your 9-to-5 to have a good life...2024-11-1234 min
It Doesn't Make CentsHaving children? In THIS economy?There’s been much hand-wringing over birthrates in recent years. And, depending on where you grew up, you might even be told you’re selfish for not wanting to have children. Or mutliple chilren. In this episode, we’re going to look at the financial realities of having children and explore our society’s obsession with popping out babies—even if we don’t prioritize actually caring for them once they’re in the world. Topics covered in this episode on choosing whether to have children* Having kids is expensive. From birth to age 18 and beyond, you’ll...2024-11-0537 min
It Doesn't Make CentsWe’re reframing the rent vs. buy debateIt Doesn't Make Cents is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.We’re often told that owning a home is the ultimate in adulting and achieving the American Dream. You hear a lot about “throwing money away” as a renter. But are you really? And can you still build wealth even as a renter?In this episode, we’re going beyond the numbers, and which is the “smarter” financial choice. We’re looking at the rent vs. buy debate in terms of li...2024-10-3033 min
SVU POD: Especially HeinousS7E8 Starved (TCC: Elizabeth Kendall and Ted Bundy)If you saw this episode and thought “you know what? I bet this one doesn’t have everything…” You would be SO wrong because it absolutely has EVERYTHING! Lois and Clark Superman Dean “I’m not Scott Peterson” Cain, more fundercover: Tutes included, T&G relating WAY too hard to the girlfriends of serial killers and an extra long chaser for your listening pleasure. As always, our Patreon episode is longer and so much dumber with nearly 30 minutes MORE EPISODE. Don’t miss it! *TW: disordered eating, gaslighting, emotional abuse, sexual assault, violence, murder, sexual violence against and murder of a child* Rate an...2024-10-221h 50
It Doesn't Make CentsDo you NEED to get married?Marriage is considered an essential part of life. Money is part of that. Recently, society has lamented the cost of being single. But sometimes the costs aren’t financial. And there’s a move—especially among those who identify as women—to eschew marriage.* The marriage age has risen over time, especially since Miranda got married.* CNBC gathers information about how money issues can stress a marriage and lead to divorce.* We discuss the expense of marriage, and you can find information about that from the Wall Street Journal and Fidelity.* Here’s s...2024-10-1541 min
It Doesn't Make CentsIs college really a waste of money?As Gen Xers and millennials, we’re used to hearing that college is the way to success in jobs and life. But is a “traditional” four-year degree the way forward? We tackle the idea of college and whether it makes sense for you. Topics covered in this episode on higher education * Cost of college vs. lifetime earnings* Trade school vs. “traditional” four-year degree* Careers that pay more* How to decide which path to take for you* Should you take a gap year first?Sources used for this e...2024-10-0838 min
Unofficial Book Club PodcastYou Can Pick One…Can it be a Series? with Booktok BookclubIn this Book Club episode some of the ladies from the Booktok Bookclub join me again to discuss their relationship to reading. Welcome Lauren, Sam, Lexi, Haley and Liv.
Authors Discussed in this Episode:
Shirley Barber
Catherine Cowles
Riley Sager
Jane Harper
Books Discussed in this Episode:
Twilight by Stephenie Meyer
Percy Jackson & the Olympians by Rick Riordan
The Famous Five by Enid Blyton
A Court of Thorns and Roses by Sarah J. Maas
Deltora Quest by Emily Rodda
Goosebumps by R. L. Stine
Harry Potter by J. K. Rowling
Fifty Shades by E...2024-09-121h 17
It Doesn't Make CentsMiranda and Sarah Rant About Some Money Stuff (With the Help of Some Friends)The whole point of It Doesn’t Make Cents is to look at different ways to do money. There are so many different strategies you can use to manage your finances. So we asked some friends what they do with their money—and you might be surprised at how it’s a little different. Consider supporting us by upgrading to a paid subscription here (so we can continue to keep doing this work)Or, for a one-off donation, buy us a refreshing beverage on Ko-fi.And make sure you check out our we...2024-08-2029 min
Citizen McCain with Meghan McCainEpisode 41: Therapy Session With Dr. DrewOh boy, there is a lot going on. Meghan and Miranda open the show with their analysis of the Diddy situation because that's the biggest thing blowing up our chats. The news this week has been particularly gross and heavy...it's time to call in the big guns. By that, we mean Dr. Drew Pinksy. He and Meghan talk about how the United States isn't one of the top 20 happiest countries in the world and why he thinks that people are more depressed than ever. They also talk about the overuse of Ozempic and other weight loss meds. Then, our...2024-03-261h 15Citizen McCain with Meghan McCainEpisode 39: Something NewThank you for entering our chat...now with video! Meghan and Miranda have opened this up to a video chat and have some feelings about it. We hope you enjoy this new feature, and if not, there's still the audio! Lady Sarah Elliot came all the way across the pond from London to talk to us about politics, but more importantly - what the hell is up with Kate Middleton? We're still obsessed and it's blowing up our chat with memes and conspiracy theories.2024-03-191h 01
It Doesn't Make CentsUsing Debt to Help Your Finances (season one wrap-up)This season, we’ve looked at debt from a different perspective. So often, we believe that debt = bad. Even worse, our society often views it as a moral failing. The reality is that debt is sometimes necessary—and it can even be a tool to help you better your finances. Listen to our season wrap up with more perspectives on why debt may be a necessity.Some of the things we bring up include:* How the rich use debt to borrow and spend using stocks and other assets as collateral and to avoid sell...2024-02-2728 min
It Doesn't Make CentsHow Much Social Debt Do You Have?We all have social debts that we’re supposed to pay. Whether it’s spending money to go to your BFF’s bachelorette or buying Girl Scout cookies from your co-worker's daughter, we’re all expected to conform to small social niceties to get along in society. Sign that sympathy card for the PTA president and chip in for flowers.Sometimes, social debt is less about money and more about time. We’re supposed to reciprocate favors and make time for people in our lives. If you committed to it, you could attend a family event ever...2024-02-2037 min
It Doesn't Make CentsUsing debt to "start over"This episode is about how sometimes you really need debt to move forward in your life. And even if you don’t need it, sometimes it can be a big help and well worth it to use debt as a tool to level up.Where we got examples of costs:* The average cost to move across the country when you have two to three bedrooms is between $3,000 and $9,500.* On average, divorce lawyers cost $270 per hour, with a total average cost of $11,300. * The average cost of immigrating to the U.S. is $1,200 to...2024-02-1341 min
It Doesn't Make CentsStudent loans: the elephant in the roomIn the last 20 years, tuition costs have soared in the U.S. In-state tuition at public universities has increased about 158 percent during that time. Long gone are the days that our boomer parents reminisce about, you know, when you could work for a summer and save up enough money to cover tuition for a full year of school.Many of us, especially Gen Xers like me and millennials were told to go to school and get a good job. Even with student loans, our parents told us it was worth it. Surely we'd get good jobs and...2024-02-0646 min
It Doesn't Make CentsPersonal Loans as Part of Your Budget?This episode dives into personal loans and how they can be helpful for managing cash flow and how sometimes debt is a lifeline for some folks who need a leg up.We cited information about debt, specifically student loans. Here’s where we got it:* Lending Tree personal loan statistics* Credit card trends before and after the pandemic (Government Accountability Office)* Bankrate personal loan rates* Bankrate credit card rates* Reuters reports credit card debt topping $1 trillion* Clever survey results: people using credit cards for necessities...2024-01-3039 min
It Doesn't Make CentsLet's Finance a New Car!One of the biggest rules in personal finance is to buy a used car with cash. You hear stories about how your car loses value as soon as you drive it off the lot. That used car has already seen its biggest depreciation and borrowing just makes it all worse.But what if it makes sense to buy a new car with debt, as long as you acknowledge what you’re doing and you have other plans for your money?Consider supporting us by upgrading to a paid subscription here (so we can co...2024-01-2327 min
It Doesn't Make CentsPayoff mortgage early = bad?Paying off debt early is considered a “guaranteed return.” But what if you can get better returns elsewhere? Could you use the “extra” you’d put toward paying down your mortgage for other financial goals, like retirement, investing, saving for college, going on vacation, or reaching some other goal?While paying off your mortgage early is a noble goal, it’s not the only way. In this episode, we tackle some of the realities—including the reality that not everyone lives in an area where home prices appreciate dramatically over time.For stats and resources...2024-01-1629 min
It Doesn't Make CentsInvest or Pay Off Debt?There's a whole "order" you're supposed to be following when working toward financial freedom. In fact, some gurus -cough- Dave Ramsey -cough- will tell you that you need to pay off ALL your non-home debt before you start investing. But should you really tackle your lower-rate student loans or other debt before you let compounding returns work in your favor?We're not so sure. Let's take a look at investing while you have debt and how to decide what to tackle first—or even if you need to choose.There’s a lot of talk abou...2024-01-1636 min
It Doesn't Make CentsIt Doesn't Make Cents Coming January 16!Introducing It Doesn’t Make Cents, a podcast by Sarah Li Cain, AFC© and Miranda Marquit, MBA, launching January 16th.Are you REALLY doing money wrong? Good news: you aren’t doomed to a lifetime of financial failure because you aren’t saving to buy a house, buy a TV with a credit card, or have student loan debt. Get away from all the “supposed-tos” and stop beating yourself up over perceived mistakes. We’re here to debunk prescriptive money rules and inject a little nuance into your financial life. This season we’re talking abou...2023-12-2001 min
Broken LawEpisode 90: Pulling the Curtain Back on the Anti-Abortion MovementThis week, Lindsay Langholz speaks with Jessica Mason Pieklo from Rewire News Group to pull the curtain back on the anti-abortion movement. They discuss the pending lawsuit in federal district court that could result in abortion pills being banned, the concerted effort to target hormonal birth control, and much more. Join the Progressive Legal Movement Today: ACSLaw.org Today's Host: Lindsay Langholz, Senior Director for Policy and Program Guest: Jessica Mason Pieklo, Senior Vice President and Executive Editor, Rewire News Group Link: "Biden administration braces for ruling that could ban abortion pills...2023-02-2156 min
KFF Health News' 'What the Health?'The Kids Are Not OKA new survey from the Centers for Disease Control and Prevention finds that teenagers, particularly girls, are reporting all-time high rates of violence and profound mental distress. Meanwhile, both sides in the abortion debate are anxiously waiting for a district court decision in Texas that could effectively revoke the FDA’s 22-year-old approval of the abortion pill mifepristone. Alice Miranda Ollstein of Politico, Sandhya Raman of CQ Roll Call, and Joanne Kenen of the Johns Hopkins Bloomberg School of Public Health and Politico join KHN’s chief Washington correspondent, Julie Rovner, to discuss these issues and more. Cli...2023-02-1633 min
Explore the Latest Full Audiobooks in Mystery, Thriller & Horror, SuspenseThe Last Guests by Jp PomarePlease visithttps://thebookvoice.com/podcasts/1/audiobook/492390to listen full audiobooks.
Title: The Last Guests
Author: Jp Pomare
Narrator: Sarah Mollo-Christensen
Format: Unabridged Audiobook
Length: 10 hours 44 minutes
Release date: August 31, 2021
Genres: Suspense
Publisher's Summary:
A wife finds herself racing for answers when the decision to rent out her family vacation home takes a deadly turn in this "twisty thriller" perfect for fans of Megan Miranda (Megan Goldin, author of The Escape Room). Ever have the feeling you’re being watched? Newlyweds Lina and Cain don’t make it out to their property on gorgeous Lake Tarawera as often as they’d like, so...2021-08-3110h 44
Explore the Latest Audiobooks in Mystery, Thriller & Horror, SuspenseThe Last Guests by Jp PomarePlease visit https://thebookvoice.com/podcasts/1/audiobook/492390 to listen full audiobooks. Title: The Last Guests Author: Jp Pomare Narrator: Sarah Mollo-Christensen Format: Unabridged Audiobook Length: 10 hours 44 minutes Release date: August 31, 2021 Genres: Suspense Publisher's Summary: A wife finds herself racing for answers when the decision to rent out her family vacation home takes a deadly turn in this "twisty thriller" perfect for fans of Megan Miranda (Megan Goldin, author of The Escape Room). Ever have the feeling you’re being watched? Newlyweds Lina and Cain don’t make it out to their property on gorgeous Lake Tarawera as often as they’d like, s...2021-08-3103 min
Beyond The Dollar - Deep and Honest Conversations On How Money Affects Your Well-BeingReleasing Negative Societal Expectations on Kids with Miranda MarquitSend us a text#89: Miranda reveals in detail how she shifted from parenting that focused on her worth as a mother to one that was the best for her son. She talks about how she was raised, what her tactics used to be when it came to raising her son, and how she deconstructed her beliefs and most importantly, her relationship with her son to parent in a way that enables him to reach his version of success.What You Hear in This Episode:How Miranda grew up and internalized certain beliefs...2020-11-0424 min
Adulting.tv PodcastAdulting.tv LIVE! Work and Play Abroad With Sarah Li CainOn today's episode of Adulting.tv LIVE!, Harlan and Miranda are joined by Sarah Li Cain from High Fiving Dollars. Today we'll discuss what it takes to travel beyond your home, see the world, and enjoy living and working outside of the United States. Do you have any questions? Let us know at http://adulting.tv/ask/ Subscribe to our channel for more live videos, and download the official Adulting podcast at http://adulting.tv/itunes/ Sarah Li Cain is a financial storyteller who weaves practical tips and strategies into her work so...2017-02-1837 min