Money Rehab with Nicole Lapin
- Folgen
- 1.154
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- 11. Nov. 2026
Über den Podcast
Ever notice that we will talk about everything before we talk about money? Sex? No problem. Politics? Bring it on. Money? Totally taboo. But not for long! Nicole Lapin— the only financial expert you don’t need a dictionary to understand, New York Times best-selling author, and host of Money Rehab— is here to rehab your wallet, so you can get your financial life together once and for all.
Folgen 1.154
Your Startup Equity Isn’t What You Think It Is
I keep having the same conversation. Someone smart tells me they own a piece of their company, and then I ask two questions, and it turns out they don’t own anything yet. They own the right to buy something …
Shownotes
I keep having the same conversation. Someone smart tells me they own a piece of their company, and then I ask two questions, and it turns out they don’t own anything yet. They own the right to buy something, for a limited time, if they can afford it.
Today I’m coming back to startup equity, with help from my friend Tracy DiNunzio, who built and sold a venture-backed company for nine figures. I break down what you actually get when a company offers you “equity,” the three things people almost always have backwards, and why a company can sell for a fortune while its employees walk away with nothing.
In partnership with Equitybee
equitybee.com/mr
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MORE FROM NICOLE LAPIN:
🎥 Youtube: / @moneyrehabshow
📸 Instagram: / moneyrehab
📽️ TikTok: / nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO:
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
Ray Dalio Says the U.S. Is at Risk of an Economic Heart Attack
Ray Dalio is one of the most legendary investors of our time. He built Bridgewater into the largest hedge fund in the world and now he is telling us to wake up to what could be the greatest crash of his …
Shownotes
Ray Dalio is one of the most legendary investors of our time. He built Bridgewater into the largest hedge fund in the world and now he is telling us to wake up to what could be the greatest crash of his lifetime.
Ray says the U.S. is sitting on a ticking time bomb of debt.
And today he joins Money Rehab to tell us how to protect ourselves if it goes off.
- What he calls his all weather portfolio
- The one number every investor should know before taking a single risk
- And the time even HE needed Money Rehab
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equitybee.com/mr
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MORE FROM NICOLE LAPIN:
🎥 Youtube: / @moneyrehabshow
📸 Instagram: / moneyrehab
📽️ TikTok: / nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO:
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
Where to Spend (and Not Spend) Money on a House Flip
Heather Rae El Moussa is showing houses on Selling Sunset and flipping them on the flip-off. Her and her husband, Tarek, are the ultimate real estate power couple. Today, Heather joins Money Rehab to tell us …
Shownotes
Heather Rae El Moussa is showing houses on Selling Sunset and flipping them on the flip-off. Her and her husband, Tarek, are the ultimate real estate power couple.
Today, Heather joins Money Rehab to tell us:
- Some of the wildest stories from flipping
- About her house getting burglarized while she was gone
- The hidden tax of sharing your life on social media
- And Where she would invest money in a house before flipping it
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MORE FROM NICOLE LAPIN:
🎥 Youtube: / @moneyrehabshow
📸 Instagram: / moneyrehab
📽️ TikTok: / nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO:
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
The Anthropic IPO, Explained: What the Headlines Aren’t Telling You
If your group chat is anything like mine, somebody has already asked: “Are you getting in on the Anthropic IPO?” And then the thread goes quiet, because nobody actually knows. So today I’m slowing it down. I …
Shownotes
If your group chat is anything like mine, somebody has already asked: “Are you getting in on the Anthropic IPO?” And then the thread goes quiet, because nobody actually knows.
So today I’m slowing it down. I break down how this five-year-old company got here, decode the biggest headlines (including a few that are true and still misleading), and share what history says about buying the biggest IPO of the year. I also get into what you would actually own if you bought a share, and it’s not what most people assume.
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MORE FROM NICOLE LAPIN:
🎥 Youtube: / @moneyrehabshow
📸 Instagram: / moneyrehab
📽️ TikTok: / nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO:
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
Want to Get Good at Sales? Tarek El Moussa Says Make 50 Calls a Day
You know him as the King of Flipping from HGTV Tarek El Moussa has sold over a billion dollars in property and owns 200 rental properties. Today he joins Money Rehab to tell us the way to actually make money …
Shownotes
You know him as the King of Flipping from HGTV
Tarek El Moussa has sold over a billion dollars in property and owns 200 rental properties. Today he joins Money Rehab to tell us the way to actually make money flipping houses…
Today, in part 2, he joins Money Rehab to tell us how to
- How he would rebuild his fortune if he lost everything today
- How anyone can be great at sales
- Why he bought his daughter a $150k BMW
- And what to watch out for when buying a flipped house
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MORE FROM NICOLE LAPIN:
🎥 Youtube: / @moneyrehabshow
📸 Instagram: / moneyrehab
📽️ TikTok: / nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO:
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
The 4 F’s of Flipping Houses
You know him as the King of Flipping from HGTV Tarek El Moussa has sold over a billion dollars in property and owns 200 rental properties. Today he joins Money Rehab to tell us the way to actually make money …
Shownotes
You know him as the King of Flipping from HGTV
Tarek El Moussa has sold over a billion dollars in property and owns 200 rental properties. Today he joins Money Rehab to tell us the way to actually make money flipping houses…
Today, in part 1, he joins Money Rehab to tell us how to
- The four steps to flipping
- The real estate trap that's costing homeowners thousands of dollars
- Why Compass and Zillow could be hindering your home buying
- Where the hot deals are
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MORE FROM NICOLE LAPIN:
🎥 Youtube: / @moneyrehabshow
📸 Instagram: / moneyrehab
📽️ TikTok: / nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO:
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
The Real Price of College (It’s Not the Number You’re Seeing)
Fifteen colleges now cost more than $100,000 a year. A year ago, only two did. Before you panic, here’s the secret the schools don’t want you to know: very few students actually pay that number. Today I break …
Shownotes
Fifteen colleges now cost more than $100,000 a year. A year ago, only two did. Before you panic, here’s the secret the schools don’t want you to know: very few students actually pay that number.
Today I break down the difference between a college’s sticker price and what families really pay, the free-tuition programs most people don’t know exist, and the group of families getting squeezed the hardest by the financial aid formula.
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MORE FROM NICOLE LAPIN:
🎥 Youtube: / @moneyrehabshow
📸 Instagram: / moneyrehab
📽️ TikTok: / nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO:
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
“Credit Is a Tool, Not a Trap” Ex-Ramsey Personality Anthony O'Neal
The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first …
Shownotes
The Money School: The Complete Financial Education You Were Never Given
Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English.
Go check it out: https://nicolelapin.com/money-school-book
63% percent of Americans say they’re living paycheck to paycheck. Among households that make $100-250k, 41% of them are saying the same thing. So we’re here to ask, do they have a money problem?
My guest today is a best selling author who has helped over 250,000 people set a path towards a debt-free life. In 2021, Anthony O'Neal left the Dave Ramsey financial advice powerhouse to build his own platform. And his new book, Stop Living Paycheck to Paycheck — there it is again.
Today, he tells me
- Why more money won't fix your finances if you don’t have an actual plan for it
- Why you should build a buffer before you touch a single dollar of debt
- The Debt Snowball Method, and why he says it's about momentum, not math
- Why he now calls a credit score a tool, not a trap, and how that went over with his audience
- Why people don’t have a money problem, they have a clarity problem
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MORE FROM NICOLE LAPIN:
🎥 Youtube: / @moneyrehabshow
📸 Instagram: / moneyrehab
📽️ TikTok: / nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO:
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Chapters 0:00 Money mindset and philosophy 1:30 Addressing past controversies 4:06 The debate on small indulgences 7:27 Avoiding the cycle of deprivation 10:39 Defining personal wealth 13:21 Lessons from past mistakes 15:44 Evolving financial strategies 20:32 Empathy in financial guidance 23:44 Accountability and personal growth 26:57 Setting and sticking to goals 30:17 Planning for future freedom 34:09 Credit scores as a financial tool 39:26 The role of debt and leverage 41:46 The psychology of debt repayment 47:33 The state of online financial advice 52:29 Bull or bear lightning round 58:02 Closing tips on wealth building
Learn more about your ad choices. Visit megaphone.fm/adchoices
Surviving Earnings Season Without Gambling Your Money Away
The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first …
Shownotes
The Money School: The Complete Financial Education You Were Never Given
Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English.
Go check it out: https://nicolelapin.com/money-school-book
Four times a year, the biggest companies in America have to show you their report card, and it gets dramatic. If you’ve ever watched a stock you own swing 15% in a single day and had no idea why, this one is for you.
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MORE FROM NICOLE LAPIN:
🎥 Youtube: / @moneyrehabshow
📸 Instagram: / moneyrehab
📽️ TikTok: / nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO:
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
Billionaire Mike Novogratz on Crypto, AI, and What “Rich” Really Means
The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first …
Shownotes
The Money School: The Complete Financial Education You Were Never Given
Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English.
Go check it out: https://nicolelapin.com/money-school-book
Mike Novogratz has made a fortune, lost a fortune, and made it back. Goldman Sachs partner, hedge fund billionaire, then the loudest bull in crypto.
Today, he tells me what he'd do with a thousand dollars right now…
What number actually makes you rich…
And whether a first-time investor should own any crypto at all…
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MORE FROM NICOLE LAPIN:
🎥 Youtube: / @moneyrehabshow
📸 Instagram: / moneyrehab
📽️ TikTok: / nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO:
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
How to Become More Likable and Close More Deals
The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first …
Shownotes
The Money School: The Complete Financial Education You Were Never Given
Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English.
Go check it out: https://nicolelapin.com/money-school-book
Vanessa Van Edwards is THE top behavioral researcher out there — we’re talking Harvard, MIT, Stanford… and is the go-to expert for the likes of Google, Microsoft, and Amazon to call on when they need to fix their people problems. She’s here to help us be more likeable — and use those skills to seal actual deals.
She's on Money Rehab to tell us:
- How to actually make the best first impression
- How how to have less awkward small talk
- The secret tells that someone is not feeling a conversation
- And the best way to navigate work events as an introverted-extrovert…asked for a friend
Chapters
00:00 Are You Ready for Some Money Rehab?
01:44 The Two Kinds of Awkward (Which One Are You?)
03:22 Every Conversation Has a Blueprint
04:30 Why Small Talk Gets Stuck on Dead-End Facts
06:39 Turning Small Talk Into a Treasure Hunt
10:38 The Missing Ingredient in Business Success: Rapport Before the Pitch
14:44 Why Skipping Ahead Too Quickly Costs You
18:40 The TV Pitch Vanessa Bombed Over Small Talk
22:17 How Likability Gets Priced Into Your Paycheck
24:00 How to Compete With the Feed in Conversation
26:19 The Five Magic Likable Phrases
33:51 Can We Kill the Weather Talk?
36:16 How to Be a Better Listener
37:23 Level Two: Dream Storming and Goals
40:06 Why You Should Stop Talking About How Busy You Are
42:06 Should You Complain at Work?
46:03 Go-To Openers for Zoom Calls
47:21 Level Three: Self-Narratives and Money Narratives
50:08 How to Make Adult Friends (Friendship Bootcamp)
53:10 Why "Level Two" Connections Are the Most Valuable at Work
57:17 Why Conversation Is Career Insurance Against AI
58:55 Warmth vs. Competence: You Need Both
01:02:15 How to Talk to a Friend Who Owes You Money
01:04:39 First Impressions and How to Exit a Conversation Gracefully
01:09:03 Bullish or Bearish: Hugs, Handshakes, and Email Sign-Offs
01:12:06 Tip You Can Take Straight to the Bank
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MORE FROM NICOLE LAPIN
🎥 Youtube: https://www.youtube.com/@MoneyRehabPodcast
📸 Instagram: https://www.instagram.com/moneyrehab/
📽️ TikTok: https://www.tiktok.com/@nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO
💳 SoFi: https://SoFi.com/MNN
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
Ray Dalio on How to Make Money in Any Economy
The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first …
Shownotes
The Money School: The Complete Financial Education You Were Never Given
Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English.
Go check it out: https://nicolelapin.com/money-school-book
Financial headlines are always going to be scary, but there's money to be made in any economy. That's my biggest takeaway from sitting down with Ray Dalio. He started investing at twelve, built Bridgewater into one of the biggest hedge funds on the planet, and made more money for his clients than any hedge fund manager alive. I don't get starstruck often, but I couldn't play it cool with this one.
Today I'm sharing the moments from our conversation that I'm still thinking about. I break down Ray's view of how money and debt really work, why he thinks the U.S. has a lot of "plaque" in its financial arteries, and what that means for the buying power in your bank account. Then I get into the investing strategy Ray is famous for, including the one asset he loves that another billionaire I had on the show said he has no opinion on.
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MORE FROM NICOLE LAPIN
🎥 Youtube: https://www.youtube.com/@MoneyRehabPodcast
📸 Instagram: https://www.instagram.com/moneyrehab/
📽️ TikTok: https://www.tiktok.com/@nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO
💳 SoFi: https://SoFi.com/MNN
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
Hacked, Scammed, and Impersonated Online. Here's How to Protect Yourself
The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first …
Shownotes
The Money School: The Complete Financial Education You Were Never Given
Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English. Go check it out: https://nicolelapin.com/money-school-book
Caitlin Sarian — better known to millions as "Cybersecurity Girl" — has spent her career on the inside of online safety and today she joins Money Rehab to show us exactly how the scams draining Americans' bank accounts really work. - The scam that's quietly emptying retirement accounts right now
- She tells me the one word that should make you hang up the phone every single time
- The safe word every family needs before the next phone call comes in
- And the one way to pay that can actually get your money back…
Chapters 00:00 Are You Ready for Some Money Rehab?
01:57 The Toll Road Scam Text, Live Read
04:13 Is AI Making Scams Scarier Than Ever?
05:14 How to Spot an AI-Generated Scam Message
06:39 Fake Podcast Invites and Meta Account Takeovers
08:21 Impersonation Scams Targeting Financial Influencers
09:45 Why Banks Can't Get Your Money Back After a Zelle Scam
11:22 The Wrong Phone Number Scam Hiding in Google's AI Summary
14:39 The AI Voice Clone Scam That Terrifies Every Parent
16:02 Setting Up a Family Safe Word
20:19 Two Red Flags: Urgency and "Don't Tell Anyone"
21:36 Why Scammers Target the Elderly and Kids
22:38 Pig Butchering Scams, Explained
27:02 Nicole and Caitlin Share Their Own Scam Stories
36:06 The $100K Invoice Scam That Hit Money News Network's Own Partner
41:11 Why You Should Never Use a Debit Card
42:10 The Fake Bank Fraud Department Call
49:39 Real or Scam? Testing Common Scam Texts
57:06 SIM Swapping and Why You Need an Authenticator App
1:00:17 Freezing Your Credit (and Your Kids' and Grandparents' Credit Too)
1:04:06 What's a Good Budget for Identity Protection Apps?
1:06:56 Tip You Can Take Straight to the Bank ----------------------- MORE FROM NICOLE LAPIN
🎥 Youtube: https://www.youtube.com/@MoneyRehabPodcast
📸 Instagram: https://www.instagram.com/moneyrehab/
📽️ TikTok: https://www.tiktok.com/@nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO
💳 SoFi: https://SoFi.com/MNN
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
Bill Ackman's Biggest Warnings: Leverage, Margin Calls, and Zero-Day Options
The Money School: The Complete Financial Education You Were Never Given Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first …
Shownotes
The Money School: The Complete Financial Education You Were Never Given
Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English.
Go check it out: https://nicolelapin.com/money-school-book
Bill Ackman called the 2008 financial crisis years before Wall Street did, and he built one of the most legendary trades in modern investing along the way. Today, Nicole breaks down the money lessons from her sit-down with Bill that she can't stop thinking about, and why they matter for your portfolio even if you don't run a hedge fund.
She unpacks the "durable compounder" philosophy Bill uses to find unkillable businesses, and how Warren Buffett has influenced his strategy. Then things get cautionary: Bill's blunt warning about borrowing against your stocks, the margin call math that can crush you, and his take on the one-day options trend flooding retail trading apps.
Watch Nicole's full interview with Bill Ackman: https://www.youtube.com/watch?v=9eSLJZJpOYo
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MORE FROM NICOLE LAPIN
🎥 Youtube: https://www.youtube.com/@MoneyRehabPodcast
📸 Instagram: https://www.instagram.com/moneyrehab/
📽️ TikTok: https://www.tiktok.com/@nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO
💳 SoFi: https://SoFi.com/MNN
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
How Your Money Trauma Becomes Your Kid's
My latest book, The Money School: The Complete Financial Education You Were Never Given, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing …
Shownotes
My latest book, The Money School: The Complete Financial Education You Were Never Given, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English. Go check it out: https://nicolelapin.com/money-school-book
Dr. Shefali is the psychologist behind the conscious parenting movement -the idea that you can’t raise healthy kids without looking at your own crap first. And she is the author of two new books, Raising Conscious Sons and Raising Conscious Daughters, https://www.drshefali.com/raisingconscious-daughters-sons/ Today she joins money rehab to teach us how to raise healthy kids mentally and financially.
In this episode, you’ll learn
the impact the idea that “good girls don’t talk about money” is having on our daughters
the importance of how you talk about finances around your kid
and how to make sure your kids are resilient with money
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MORE FROM NICOLE LAPIN
🎥 Youtube: https://www.youtube.com/@MoneyRehabShow
📸 Instagram: https://www.instagram.com/moneyrehab/
📽️ TikTok: https://www.tiktok.com/@nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO
💳 SoFi: https://SoFi.com/MNN
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
WTF is Going on in the Bond Market?!
The Money School: The Complete Financial Education You Were Never Given My comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to …
Shownotes
The Money School: The Complete Financial Education You Were Never Given
My comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English. Go check it out: https://nicolelapin.com/money-school-book
I'm going to sound an alarm today about the least sexy topic in finance: the bond market. Stick with me, because this one lands directly in your wallet. Over the past few weeks, investors have been dumping U.S. government bonds, and the 10-year Treasury yield just hit its highest level in years. That one number is quietly driving up your mortgage rate, your car loan, and your credit card, whether you ever buy a bond or not.
I break down what a bond actually is (spoiler: it's just an IOU), the biggest myth I hear constantly about the Fed and your mortgage rate, and the real reasons investors are suddenly nervous about lending Uncle Sam money.
----------------------- MORE FROM NICOLE LAPIN
🎥 Youtube: https://www.youtube.com/@MoneyRehabPodcast
📸 Instagram: https://www.instagram.com/moneyrehab/
📽️ TikTok: https://www.tiktok.com/@nicolelapin
🌐 Nicole's website: https://nicolelapin.com
OTHER THINGS WE DO
💳 SoFi: https://SoFi.com/MNN
💰 Private Wealth Collective: https://privatewealthcollective.com
🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
Where Crypto Goes From Here Without The Clarity Act, According to Coinbase's Brian Armstrong
Brian Armstrong is the CEO and co-founder of Coinbase, the largest crypto exchange in the U.S. and the first crypto company to crack the S&P 500. He joins Nicole on the exact day Congress failed to pass the …
Shownotes
Brian Armstrong is the CEO and co-founder of Coinbase, the largest crypto exchange in the U.S. and the first crypto company to crack the S&P 500. He joins Nicole on the exact day Congress failed to pass the Clarity Act, a bill Coinbase has spent millions lobbying for, to break down what it actually means for anyone who owns crypto, or even just an index fund.
Brian explains why he still believes regulatory clarity for crypto is coming either way, what percentage of a portfolio he thinks should be in Bitcoin, and the real difference between how the SEC and CFTC would police your crypto investments. He also digs into the fight with big banks over stablecoin rewards, why he thinks the bank lobby are trying to kill competition, and his ongoing rivalry with Jamie Dimon.
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Start investing at https://SoFi.com/MNN Private Wealth Collective: Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real relationship. https://privatewealthcollective.com The Money School: Nicole's $149 investing course that actually breaks down stocks, ETFs, crypto, and building a real portfolio, no jargon, no judgment, lifetime access. https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
Maye Musk Couldn't Pay Rent at 50. Now She's a Full-Time Model at 77.
Maye Musk is a model, dietician, and author. But before any of that success, she was 50 years old, newly single, and unable to make rent. Today, Maye joins Nicole to talk about her new memoir, Timeless, and the …
Shownotes
Maye Musk is a model, dietician, and author. But before any of that success, she was 50 years old, newly single, and unable to make rent. Today, Maye joins Nicole to talk about her new memoir, Timeless, and the financial reinvention that came after everything fell apart.
Maye opens up about the financial abuse she experienced in her first marriage, including how her ex-husband removed her signing rights from their joint account and took her savings, and why she still advises women to keep some money of their own, no matter how it might be received. She shares what it was like starting over in a new city with almost nothing, working her way back from a $2,000-a-month apartment she could barely afford, and the confidence it took to build two entirely new careers from scratch in her 50s.
Then, Maye and Nicole get into why she didn't become a full-time model until her 60s, how she reframes aging as an asset instead of something to hide, and the mindset that let her keep saying yes to jobs, rejection, and reinvention well past the age most people consider their prime.
Here's what Nicole covers with Maye:
00:00 Maye's Life Starting Over at 50
02:00 Not Being Able to Pay Rent for the First Time
06:38 Escaping a Financially Abusive Marriage
08:41 Why Maye Advocates for Women Having Their Own Bank Account
11:02 Starting Over With Nothing
21:45 Confidence, Rejection, and Getting to "One Out of 20"
23:04 Becoming a Full-Time Model at 60
26:36 Why Age Became an Asset, Not a Liability
27:11 Having to Stop Her Practice as Her Fame Grew
37:31 Tip You Can Take Straight to the Bank
----------------------- Start investing at https://SoFi.com/MNN Private Wealth Collective: Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real relationship. https://privatewealthcollective.com The Money School: Nicole's $149 investing course that actually breaks down stocks, ETFs, crypto, and building a real portfolio, no jargon, no judgment, lifetime access. https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
How to Invest Alongside the Most Successful Hedge Funds
You don't need a Bloomberg terminal, a private jet, or a research team to invest alongside the world's most famous hedge fund managers… you just need to know where to look. Today, Nicole breaks down five real …
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You don't need a Bloomberg terminal, a private jet, or a research team to invest alongside the world's most famous hedge fund managers… you just need to know where to look. Today, Nicole breaks down five real ways everyday investors can piggyback on billionaire money managers like Bill Ackman, David Einhorn, and Warren Buffett, from closed-end funds and copycat ETFs to buying the "tollbooth" instead of the cars driving through it.
Check out Nicole's financial literacy course The Money School
Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective
Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram
Here's what Nicole covers today:
00:00 Are You Ready for Some Money Rehab?
00:15 Piggyback on a Billionaire's Portfolio
00:33 Option 1: Buy a Closed-End Fund Like Ackman's PSUS
01:33 Why PSUS Trades at a Discount to NAV0
2:25 Option 2: Buy the Manager, Not the Fund
03:04 Option 3: The Insurance Float Trick (Einhorn's GLRE)
03:45 Option 4: Buy Berkshire Hathaway
04:31 Option 5: Copycat ETFs Like GURU
05:12 Which Option Is Right for You?
05:31 Confusing a Great Investor With a Great Investment
05:54 Tip You Can Take Straight to the Bank
All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Digital Dementia, Biohacking, and Why Your Brain Is Your Biggest Wealth Asset | Jim Kwik
Jim Kwik has coached Fortune 500 companies, Oprah, Will Smith, and Richard Branson on how to think faster and remember more. Today, he joins Nicole to explain why your brain, not your bank account, is your …
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Jim Kwik has coached Fortune 500 companies, Oprah, Will Smith, and Richard Branson on how to think faster and remember more. Today, he joins Nicole to explain why your brain, not your bank account, is your greatest wealth building asset. Jim breaks down what he calls "digital dementia," the MIT study showing what AI is doing to our memory and critical thinking, and why he believes AI will not replace humans so much as reveal them. He also gets into the emotional side of wealth: why purpose beats motivation, how tiny "micro-commitments" trigger the dopamine that actually creates momentum, and why self-image, not goals, determines what we achieve. Then, Nicole puts Jim's favorite biohacks to the test, and he rates everything from walking and sauna to meditation and TikTok on a scale of 1 to 10. Jim also shares the real story behind a $50 million deal that fell apart because of a forgotten name, his 12-minute morning routine with his toddler, and the writing ritual he started in the hospital the day his daughter was born. Start investing investing at SoFi.com/MNN Private Wealth Collective Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real relationship. https://privatewealthcollective.com The Money School Nicole's $149 investing course that actually breaks down stocks, ETFs, crypto, and building a real portfolio, no jargon, no judgment, lifetime access. https://themoneyschool.com ----------------------- Find other exclusive content at— Instagram: @moneynews TikTok: @moneynewsnetwork Website: https://moneynewsnetwork.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
I Put My Toddler on Payroll. Here's Why.
A listener named Lauren DMed Nicole with a simple question: what is she doing to make sure her daughter has more money than she did growing up? Today, Nicole answers in full, walking through the exact accounts …
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A listener named Lauren DMed Nicole with a simple question: what is she doing to make sure her daughter has more money than she did growing up? Today, Nicole answers in full, walking through the exact accounts, strategies, and tax moves she is using to build wealth for her toddler from day one.
Nicole breaks down the three accounts she opened for her daughter (a 529, a custodial Roth IRA, and a custodial brokerage account), why she gifts directly into the 529 for every holiday, and how she is legally paying her daughter through her business to shift income into a lower tax bracket. Tax strategist Karlton Dennis joins with a clip explaining the rules around paying your kids: what counts as reasonable compensation, how the standard deduction plays into it, and why starting a custodial Roth IRA early can turn a few thousand dollars into over a million by retirement.
Nicole also gets into the life insurance decision every parent needs to make. She explains the real difference between term and whole life insurance, why she chose term for her family, and when whole life actually does make sense.
Start investing investing at SoFi.com/MNN
Private Wealth Collective
Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real relationship.
https://privatewealthcollective.com
The Money School
Nicole's $149 investing course that actually breaks down stocks, ETFs, crypto, and building a real portfolio, no jargon, no judgment, lifetime access.
https://themoneyschool.com
-----------------------
Find other exclusive content at—
Instagram: @moneynews
TikTok: @moneynewsnetwork
Website: https://moneynewsnetwork.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
The Best (and Worst) Businesses to Buy in 2026
You know Codie Sanchez as the woman who made buying a laundromat sound cooler than launching a startup. Today, she's back to talk about her new book, Own or Be Owned, and why so many founders are secretly …
Shownotes
You know Codie Sanchez as the woman who made buying a laundromat sound cooler than launching a startup. Today, she's back to talk about her new book, Own or Be Owned, and why so many founders are secretly addicted to their own businesses.
Codie explains why being "the hero" of your company is a trap (she compares it to heroin), the 12 owner archetypes she discovered after surveying 15,000 business owners, and why the goal isn't to work harder, it's to become unnecessary.
She also gets real about the parts of founder life nobody talks about: the years she put her personal life on hold chasing a revenue number, the fear of telling her team she was pregnant, and why she now believes "later" almost never actually comes.
Get Codie's book Own or Be Owned
Find boring businesses to buy on BizScout.com
What we cover
00:00 Are You Ready for Some Money Rehab?
01:33 How to Buy a Laundromat: Cost, Margins, and Failure Rates
14:29 The Thesis Behind Own or Be Owned, and the 12 Owner Archetypes
20:40 Why Being "The Hero" Feels Like Heroin
25:03 Founder Mode vs. Owner Mode
31:03 Stepping Away From the Business She Built
39:12 Pregnancy, Business, and Life as a Founder
43:16 How Codie Invests and Manages Her Own Money
46:48 Boring Business Grades: A Through F, and What to Skip in 2026 All investing involves the risk of loss, including loss of principal.
This podcast is for informational purposes only and does not constitute financial, investment, or legal advice.
Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.
Start investing investing at SoFi.com/MNN Private Wealth Collective Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real relationship. https://privatewealthcollective.com The Money School Nicole's $149 investing course that actually breaks down stocks, ETFs, crypto, and building a real portfolio, no jargon, no judgment, lifetime access. https://themoneyschool.com ----------------------- Find other exclusive content at— Instagram: @moneynews TikTok: @moneynewsnetwork Website: https://moneynewsnetwork.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
Building a Guilt Free Budget (Listener Intervention)
Kate has good money habits. She's saving, she's investing, she's automated her high-yield savings account. So why does she still feel like she's behind? Today, Nicole sits down with a Money Rehab listener for a …
Shownotes
Kate has good money habits. She's saving, she's investing, she's automated her high-yield savings account. So why does she still feel like she's behind? Today, Nicole sits down with a Money Rehab listener for a real-life financial intervention, digging into the exact questions so many 20-somethings are quietly Googling at 1am.
Kate walks Nicole through her real numbers: what she earns, what she spends, and how she's splitting money between a Roth IRA, a brokerage account, and student loan payments. Nicole breaks down the actual mechanics she never learned, like why you need cash in the account before you can buy anything, how to think about a Roth versus a brokerage account, and whether it's smart to max out one before touching the other. They also get into the emotional side of money: the guilt Kate feels every time she spends, why her financial goals always seem to move further away the more she achieves, and how giving herself a real number for guilt-free spending changes everything.
Check out Nicole's financial literacy course The Money School
Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective
Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's InstagramHere's what Nicole covers with Kate:
00:00 Are You Ready for Some Money Rehab?
02:28 Meet Kate: Her Money Goals
03:53 From Ice Cream Shop Paychecks to a 9-5
04:39 Breaking Down Kate's Budget
05:54 The High-Yield Savings Account Strategy
07:11 Using a HYSA as a "Don't Touch This" Account
08:01 Roth vs. Brokerage: Kate's Investing Confusion
09:25 Why No One Teaches You How to Actually Buy
11:06 Roth vs. Brokerage, Explained
13:28 Should You Max Out Your Roth First?
15:09 Why Kate Sticks to Index Funds
17:15 The Tax Truth About Brokerage Accounts
20:07 What Financial Freedom Actually Means to Kate
21:19 The Guilt Spiral of Spending
22:28 Why Sticking to the Plan Is the Hard Part
22:52 How Kate's Childhood Shaped Her Money Mindset
23:52 The Moving Goalpost Problem
25:25 Building (and Sticking to) a Budget
28:30 Solving Spending Guilt With a "Fun Money" Number
29:51 Where Kate Keeps Her Savings
31:05 Kate's 5 and 10 Year Money Goals
32:36 Is Money a Never-Ending Game?
34:41 How Kate Started Investing With Just $20
36:45 Nicole's Game Plan for Kate
45:05 Tip You Can Take Straight to the BankAll investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.
Learn more about your ad choices. Visit megaphone.fm/adchoices
The Rapper Who Made $400K Reading the Market
He's the guy behind "Betty (Get Money)" and a fur coat two-step that took over TikTok, but before Yung Gravy was flexing platinum plaques, he was studying finance and marketing in college. Today on Money Rehab …
Shownotes
He's the guy behind "Betty (Get Money)" and a fur coat two-step that took over TikTok, but before Yung Gravy was flexing platinum plaques, he was studying finance and marketing in college. Today on Money Rehab, we sit down with the rapper who lives a double life: viral hitmaker by night, options trader by day.
Gravy walks us through the trade that made him $400K, a bet on 1-800-Flowers stock at the start of COVID, built on a grim but accurate read that funeral orders were about to spike. It's the kind of call institutional investors make quietly all the time; Gravy just said the quiet part out loud, and the internet has been arguing about the ethics of it ever since.
We get into how a music-industry paycheck, unpredictable, front-loaded, gone as fast as the trend that made it, pushed him to actually learn the market instead of just spending like a rapper. What it's like sitting in a room with a finance background while everyone assumes you can't do math because you rap about money instead of manage it. Where the rap flex ends and the real portfolio begins. And whether the same instincts that write a viral hook are the same instincts that spot an undervalued stock before anyone else does.
Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real relationship.
Nicole's $149 investing course that actually breaks down stocks, ETFs, crypto, and building a real portfolio, no jargon, no judgment, lifetime access.
Start investing investing at SoFi.com/MNN ----------------------- Find other exclusive content at— Instagram: @moneynews TikTok: @moneynewsnetwork Website: https://moneynewsnetwork.com
Learn more about your ad choices. Visit megaphone.fm/adchoices
4 Money Lessons From the Stars of Selling Sunset
Selling Sunset isn't just a show about real estate, drama, and outfits... it's a show about money. Over the past few years, Nicole has had four cast members from the Selling Sunset universe on Money Rehab …
Shownotes
Selling Sunset isn't just a show about real estate, drama, and outfits... it's a show about money. Over the past few years, Nicole has had four cast members from the Selling Sunset universe on Money Rehab: Jason Oppenheim, Emma Hernan, Mary Bonnet, and Polly Brindle. Today, she's pulling out four moments from those conversations that she hasn't been able to stop thinking about.
Jason, one of the most successful real estate brokers in LA, makes a confession you'd never expect from someone who sells homes for a living: renting often beats buying, financially speaking. Mary opens up about the ex-husband who secretly ran up six figures of debt in her name, and the exact tactic she used to rebuild her credit score from scratch. Emma explains why she's turned down millions in outside investment for her company and what she thinks is broken about "Shark Tank culture." And Polly gets brutally honest about maxing out three credit cards, borrowing from friends, and the mindset shift that turned her financial life around.
Start investing investing at SoFi.com/MNN
Check out Nicole's financial literacy course The Money School
Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective
Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram
Here's what Nicole covers today:
00:00 Are You Ready for Some Money Rehab?
00:15 Four Money Moments From the Selling Sunset Universe
00:42 Jason Oppenheim's Take: Renting Beats Buying
04:48 Mary Bonnet's Secret Debt and Financial Abuse Story
09:07 Red Flags to Watch For Before You Share Finances
12:29 Emma Hernan on Turning Down Millions in Funding
16:47 Polly Brindle: From Maxed Credit Cards to $48M in Sales
21:46 Tip You Can Take Straight to the Bank
All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Attorney James Sexton on How to Get Divorced Without Going Broke
Divorce attorney James Sexton is back for part two of his conversation with Nicole; in part one, he talked about advice for couples getting married. Today, he’s giving advice for people getting divorced. Nicole …
Shownotes
Divorce attorney James Sexton is back for part two of his conversation with Nicole; in part one, he talked about advice for couples getting married. Today, he’s giving advice for people getting divorced. Nicole and James dig into the financial habits that sabotage marriages, the creative ways people hide money before filing, and the red flags that signal a spouse might be planning an exit. Plus, James gives simple advice on what might be the most complicated part of this process: how to tell your spouse you want a divorce.
James also breaks down how alimony actually works, the best argument for keeping the house, and the negotiating tactics he uses to fight for a bigger settlement. Then things get spicy: the digital footprint mistakes blowing up divorces in real time, the unofficial "a-hole tax" judges impose on bad behavior in court, and the wild story of a $20 million divorce that almost collapsed over a toaster oven.
Check out Part 1 of Nicole's conversation with James Sexton
Start investing investing at SoFi.com/MNN
Check out Nicole's financial literacy course The Money School
Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective
Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram
Follow James’ work and check out his latest book
Here's what Nicole covers with James:
00:00 Are You Ready for Some Money Rehab?
02:31 The Financial Habit That Complicates Every Divorce
05:01 How People Hide Money Before a Divorce
09:21 Red Flags Your Partner Might Be Planning a Divorce
11:35 What To Do If You're Thinking About Divorce
12:11 How Much Does a Divorce Actually Cost?
17:13 Mediation vs. Litigation: Which Should You Choose?
19:37 The Best Way To Ask For a Divorce
21:18 How Alimony Really Works
25:00 When the Woman Is the Breadwinner
28:29 Is Alimony About Money or Power?
29:58 The Best Argument for Keeping the House
32:11 Bunnie XO, Jelly Roll, and Who's Entitled to What
34:56 Lightning Round
38:03 The $20 Million Toaster Oven Story
39:14 The Most Expensive Emotion in Divorce
39:20 What To Never (and Always) Put in Writing
40:00 How Social Media Can Blow Up Your Divorce
42:54 The "A-hole Tax" Explained
45:31 James Sexton's Tip You Can Take Straight to the Bank
Learn more about your ad choices. Visit megaphone.fm/adchoices
What to Do Before Your Student Loan Payment Jumps to $900
If you've been parked in SAVE plan limbo for the last two years, the waiting is over, and the letter that starts your 90-day clock is either already in your inbox or on its way. Today, Nicole breaks down what …
Shownotes
If you've been parked in SAVE plan limbo for the last two years, the waiting is over, and the letter that starts your 90-day clock is either already in your inbox or on its way. Today, Nicole breaks down what happened to SAVE, why doing nothing could send your payment from $0 to $900 overnight, and exactly what to do before that clock runs out.
Nicole walks through RAP, the new Repayment Assistance Plan replacing SAVE, how it calculates your payment off your income, and the upside most people miss: your balance can't grow even if your payment doesn't cover the interest. She also covers why studentaid.gov is about to get slammed, whether you should let the government pull your income data from the IRS, and how to avoid accidentally landing in a plan that doesn't count toward forgiveness.
Then, Nicole flags two things you don't want to miss: a quadrupled autopay discount worth locking in before September 30th, and a little-known Secure 2.0 rule that lets your employer match your student loan payments straight into your 401(k). If you're already in default, she also breaks down what's coming this fall as wage garnishment turns back on, and the two ways out. Finally, today's tip you can take straight to the bank: a tax-filing move married borrowers should run the numbers on before their next RAP payment is calculated.
Start investing investing at SoFi.com/MNN
Check out Nicole's financial literacy course The Money School
Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective
Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram
Here's what Nicole covers today:
00:00 Are You Ready for Some Money Rehab?
00:16 SAVE Is Officially Dead
01:29 What Happens If You Do Nothing
02:12 Check Your Real Balance (Interest Never Stopped)
02:37 Meet RAP: The New Repayment Assistance Plan
03:24 Get Ahead of the Studentaid.gov Stampede
04:40 The 401(k) Match You Didn't Know You Had
05:21 If You're in Default: What's Coming This Fall
06:35 Tip You Can Take Straight to the Bank
This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor or tax professional before making any financial decisions.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Mauricio Umansky on “Rentvesting” a Bullish Real Estate Market and Where to Buy
Mauricio Umansky is one of the most successful luxury real estate agents in the world, selling homes for A-listers and closing massive deals. Today, he joins Nicole to break down exactly where the real estate …
Shownotes
Mauricio Umansky is one of the most successful luxury real estate agents in the world, selling homes for A-listers and closing massive deals. Today, he joins Nicole to break down exactly where the real estate market stands right now: why we're finally shifting out of a three-and-a-half-year transaction low, why “rentvesting” might be a move to consider in some markets, and the 10-year rule that means almost no one who buys a home ever ends up losing money on it.
Then Nicole and Mauricio dig into the parts of his world reality TV can't capture: the $124 trillion wealth transfer reshaping who owns real estate next, his "playvestment" strategy for buying property purely because it makes him happy, his take on the mansion tax killing development in LA, and whether he'll ever trade real estate for a run at Mayor of Los Angeles.
Start investing investing at SoFi.com/MNN
Check out Nicole's financial literacy course The Money School
Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective
Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram
Learn more about Mauricio’s work and The Agency
Here's what Nicole covers with Mauricio:
00:00 Are You Ready for Some Money Rehab?
03:04 Is This a Buyer's or Seller's Market?
04:10 Comparing Today's Market to Past Cycles
08:17 The 10-Year Rule According to Mauricio
09:21 Rentvesting Explained
10:35 Real Estate Returns vs. the Stock Market
11:45 Where Mauricio Would Buy Right Now
14:35 His Investment Thesis: Hospitality, Flipping, and Branded Residences
15:43 The Real Odds of Getting a Deal Done
16:56 Inside His Portfolio: Real Estate vs. Equities
17:53 Will AI Replace Real Estate Agents?
19:01 The $124 Trillion Wealth Transfer and Family Compounds
22:15 Short-Term Rentals and the 2028 LA Olympics
23:12 Would He Run for Mayor of LA?
29:56 The Mansion Tax, Explained
32:16 Reality TV: Help, Hurt, and Are the Numbers Even Real?
39:01 The Passion Project That Makes Him Zero Dollars
40:16 The Truth Behind His "$6 Billion" in Sales
46:24 Mauricio's Tip You Can Take Straight to the Bank
All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.
Learn more about your ad choices. Visit megaphone.fm/adchoices
A Divorce Attorney's Guide to Staying Together... and Not Going Broke
Divorce attorney James Sexton has a theory: the smartest thing you can do before you get married is think like someone whose job is ending marriages. Today, James joins Nicole for part one of a two-part …
Shownotes
Divorce attorney James Sexton has a theory: the smartest thing you can do before you get married is think like someone whose job is ending marriages. Today, James joins Nicole for part one of a two-part conversation, sharing what you need to know before you say "I do." Make sure you're subscribed to Money Rehab so you don't miss part two in a few weeks, where they get into what you need to know before you get divorced.
James unpacks why every couple needs a prenup, and shares the wildest prenup clause he's ever seen. He also gets into what actually makes fidelity and sex clauses hold up in court, and why most DIY prenups fall apart long before they're ever tested.
Then Nicole and James zoom out to the stuff that can predict divorce long before anyone hires a lawyer: the small, unsexy daily habits that keep a relationship alive, and the financial fights that are never really about the money. Plus, James explains why he thinks couples should see a divorce attorney before they get married, and as weird as it sounds… we agree.
Start investing investing at SoFi.com/MNN
Check out Nicole's financial literacy course The Money School
Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective
Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram
Learn more about James Sexton and his work
Here's what Nicole covers with James:
00:00 Are You Ready for Some Money Rehab?
03:13 Why James Chose Divorce Law (Not the Money)
06:06 Has Divorce Law Soured James on Romance?
08:33 James's Own Marriage, Divorce, and Dating Life Now
14:23 Why You Should Talk to a Divorce Attorney Before You Marry
15:49 The Small Habits That Keep a Relationship Alive
21:16 What Actually Ends Marriages
27:28 Should Marriage Have a Higher Bar to Entry?
29:37 Is Your Prenup Actually Enforceable?
31:38 The $10,000-a-Pound Prenup Clause: A True Story
38:03 DIY Prenups and What Not to Skip
44:54 Fidelity Clauses and Sex Clauses
49:01 Do Prenups Actually Prevent Divorce?
50:41 Why the Prenup Conversation Is Secretly Romantic
53:03 The Story of the Lemons: Why Positional Bargaining Fails
57:51 The Most Toxic Financial Fights in Relationships
58:41 What Money Can (and Can't) Buy
1:00:54 Coming Up: James's Divorce Advice in Part Two
All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.
Learn more about your ad choices. Visit megaphone.fm/adchoices
How Small Business Owners Win in 2026
Today, Nicole is teaming up with U.S. Bank to unpack the state of small businesses and what entrepreneurs can do right now to get ahead. Nicole sits down with Shruti Patel, U.S. Bank's Chief Product Officer for …
Shownotes
Today, Nicole is teaming up with U.S. Bank to unpack the state of small businesses and what entrepreneurs can do right now to get ahead.
Nicole sits down with Shruti Patel, U.S. Bank's Chief Product Officer for the Business Banking segment, to unpack the findings from the bank's fourth annual Small Business Survey and what they reveal about the state of entrepreneurship right now. Shruti breaks down why small business optimism dipped from 93% to 83% this year even as resilience holds strong, why only 3% of owners are currently considering a sale or exit, and what that signals about the massive wealth transfer coming as Boomer-aged owners hand off their businesses to the next generation over the next decade.
Then the conversation turns to Gen Z founders specifically: their appetite for bold, calculated risk, and the surprising trend of delaying life milestones like marriage and family to build their businesses… a bet that, according to the data, is actually paying off in faster growth.
Nicole and Shruti also get tactical: how business credit actually works (and why your personal credit score matters more than you'd think) and the real documentation lenders want to see. Plus: how small businesses are using AI to cut costs (even when the ROI math gets murky), where digital currency payments stand today, and why frictionless checkout is a bigger deal than most owners realize.
Learn more about U.S. Bank's Small Business Banking solutions at: usbank.com
Check-out the results of U.S. Bank’s Small Business Survey: https://www.usbank.com/business-banking/business-resource-center/small-business-survey.html
Here's what Nicole covers with Shruti:
00:00 Are You Ready for Some Money Rehab?
00:43 Meet Shruti Patel, U.S. Bank's Chief Product Officer
01:20 Inside U.S. Bank's 4th Annual Small Business Survey
02:16 Why Optimism Dropped from 93% to 83%
04:45 Why Only 3% of Owners Are Considering an Exit
05:18 The Great Wealth Transfer and Succession Planning for the Next Decade
06:31 Inside Gen Z's Bold, Calculated Approach to Risk
07:37 Delaying Marriage and Family to Build a Business
09:03 "You Can Have It All, Just Not All at Once"
11:07 How Gen Z Defines Success
12:10 The Death of the "Shark Tank" Fundraising Dream
13:45 Debt vs. Equity: Rethinking How to Finance Growth
14:17 What Banks Look for Before Approving a Loan
16:08 Do Businesses Have Their Own Credit Score?
17:38 Personal Guarantees and the Documentation You'll Need
19:06 The SBA Loan Process
19:38 How Small Businesses Are Actually Using AI to Save Money
21:16 The "Digital Target Checkout" Problem with AI Costs
22:39 Where Digital Currency and Crypto Payments Stand Today
24:15 Why Frictionless Checkout Is Everything
26:03 Inside U.S. Bank's Business Essentials Launch
29:32 U.S. Bank's Partnership with the NFL and the Financial Edge Program
33:45 Shruti Patel's Tip You Can Take Straight to the Bank
All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.
Learn more about your ad choices. Visit megaphone.fm/adchoices
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