Yes, this is still here, and it will be for a while to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 21 Download Hour One Here

Imagine this...you're in your 30s and a parent and grandparent just recently passed away.  One is bad enough, but  two losses seems unbearable. Now imagine that in the mourning process, you inherit over two million dollars! That's what happened to Jessica, our first caller this week. And as if she needs more to juggle, you can throw in the fact that Jessica is pregnant with her second child and she and her husband are selling their house and getting ready to move to another state.  It's a ton to process, hence the call to us.  Thankfully, Jessica has a good head on her shoulders.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 21 Download Hour Two Here

Ask some Wall Street veterans where they were on October 19, 1987 and they will likely regale you with details of any crisis. My life changed that day in ways that often creep up on me. Indeed, Black Monday was the single worst day in Wall Street history, with the Dow Jones Industrial Average plunging by more than 22 percent in one session--that’s the equivalent of the blue chip index diving by more than 5,000 points today.

It was a “First Class Catastrophe”, according to our first class guest and storyteller supreme, Diana Henriques, who dropped by the studio to help us retrace the events that led up to that day.

Diana joined us on the show earlier this year when her book, The Wizard of Lies: Bernie Madoff and the Death of Trust, was made into an HBO movie. This time around Diana is joining us to discuss her latest book, A First-Class Catastrophe: The Road to Black Monday, the Worst Day in Wall Street History.  As Diana recounts, Black Monday was more than seven years in the making and threatened nearly every U.S. financial institution.

There were missed opportunities, market delusions, and destructive actions that stretched from the “silver crisis” of 1980 to turf battles in Washington and a rivalry between the New York Stock Exchange and the Chicago Mercantile Exchange.

Here’s the crazy thing...you’d think that after Black Monday, lessons would be learned. But in her analysis, Henriques demonstrates how that Monday in the fall of 1987 was the predicate to the financial crisis of 2008. Sadly, investors, regulators, and bankers failed to heed the lessons of 1987, even as the same patterns resurfaced.

This was a fascinating interview for me because I lived through this period. I had just started my career on Wall Street, as the chaos was unfolding. I watched firsthand as my father nearly lost his business.  This chat was like going down memory lane and it’ll give you guys a good glimpse of the life I used to live before I started hosting podcasts and radio shows!

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Ask some Wall Street veterans where they were on October 19, 1987 and they will likely regale you with details of any crisis. My life changed that day in ways that often creep up on me. Indeed, Black Monday was the single worst day in Wall Street history, with the Dow Jones Industrial Average plunging by more than 22 percent in one session--that’s the equivalent of the blue chip index diving by more than 5,000 points today.

It was a “First Class Catastrophe”, according to our first class guest and storyteller supreme, Diana Henriques, who dropped by the studio to help us retrace the events that led up to that day.

Diana joined us on the podcast earlier this year when her book, The Wizard of Lies: Bernie Madoff and the Death of Trust, was made into an HBO movie. This time around Diana is joining us to discuss her latest book, A First-Class Catastrophe: The Road to Black Monday, the Worst Day in Wall Street History. As Diana recounts, Black Monday was more than seven years in the making and threatened nearly every U.S. financial institution.

There were missed opportunities, market delusions, and destructive actions that stretched from the “silver crisis” of 1980 to turf battles in Washington and a rivalry between the New York Stock Exchange and the Chicago Mercantile Exchange.

Here’s the crazy thing...you’d think that after Black Monday, lessons would be learned. But in her analysis, Henriques demonstrates how that Monday in the fall of 1987 was the predicate to the financial crisis of 2008. Sadly, investors, regulators, and bankers failed to heed the lessons of 1987, even as the same patterns resurfaced.

This was a fascinating interview for me because I lived through this period. I had just started my career on Wall Street, as the chaos was unfolding. I watched firsthand as my father nearly lost his business. This chat was like going down memory lane and it’ll give you guys a good glimpse of the life I used to live before I started hosting podcasts and radio shows!

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

We love feedback so please subscribe and leave us a rating or review in iTunes!

Connect with me at these places for all my content:

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https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

Yes, this is still here, and it will be for a while to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 14 Download Hour One Here

Maybe I'm stating the obvious here, but life doesn't always unfold the way we want or think it will.  Things come up, and more often than not it's health related, just like with our first caller this week, Daniel from Atlanta. Daniel, a federal employee, was rolling right along until he was diagnosed with Parkinson's and eventually had to retire.  Now he's tasked with making his money last a lot longer than he was anticipating and wants to make sure his asset allocation is in good shape.  Here's a tease: it wasn't!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 14 Download Hour Two Here

We recently covered why Wall Street matters, on the show featuring Bill Cohan.

In hour two we’re doing a 180 with financial journalist and author Rana Foroohar. Rana’s book, "Maker and Takers: How Wall Street Destroyed Main Street", doesn’t exactly paint our economic system in the best light.

Rana explores how the misguided financial practices and philosophies that nearly toppled the global financial system have infiltrated many US businesses and discusses how the “financialization of America,” the trend by which finance and its way of thinking have come to reign supreme, is perpetuating Wall Street’s reign over Main Street. The ultimate result? A widening of the gap between rich and poor, which Rana argues, threatens the future of the American Dream. It's not all doom and gloom, because Rana lays out how we can reverse these trends and find a better path forward.

And since it’s not everyday that we have a Financial Times columnist in the studio, we also talked a good bit about the global economy, including Germany, Brexit, and China.

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 7 Download Hour One Here

What happens when you're in your 40s, not a millionaire, and already retired? Well, you start to wonder if you retired too early, and that's exactly the case with our first caller this week, Lisa, from Michigan.  A retired cop, Lisa didn't really start socking away money until she was in her 30s...but let me tell you, she must've been cranking the past few years, because she's actually in pretty good shape.  Will she ever have to work another day in her life? You'll have to tune in for the verdict!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Oct 7 Download Hour Two Here

Hour two this week is an example of my geekiness.

I love math and statistics...but I am nothing compared to the brilliant Cathy O’Neil. I have been a fan girl of Cathy’s since discovering her blog, mathbabe.org and then hearing her on the Slate Money podcast. Cathy, whose New York Times bestselling book Weapons of Math Destruction: How Big Data Increases Inequality and Threatens Democracy is now out in paperback, is the ultimate math geek, but more importantly, she is one of the most thoughtful intellectuals that I have encountered.

Cathy’s resume is impressive: a Ph.D. in math from Harvard, a postdoc at the MIT math department, a professor at Barnard College, where she published a number of research papers in arithmetic algebraic geometry and then a short-lived stint on Wall Street, before she launched her consulting firm, ORCAA.

When I heard Cathy explain complicated topics and then read the hardcover edition of the book last year, I knew we had to have her on the show. It’s such a fascinating read about how big data can be manipulated, infiltrate various parts of our lives and magnify the underlying inequality that exists in our economy. From how teachers are measured to how policing strategies are developed to credit scores and health insurance...it’s going to blow your mind when you hear how algorithms (mathematical models), dictate so much of our day-to-day experiences.

But what happens when these models are opaque, unregulated and incontestable? Unfortunately, the already unlucky and struggling among us, get the short end of the stick. What can individuals do about these unproven mathematical equations? As you’ll hear Cathy explain, it starts by asking some basic questions.

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

So often on this podcast, and on my radio show, we field questions from recent grads with insane amounts of student loan debt. Sometimes it’s enough debt to wreck a life.

There’s enough blame to go around, but so often it’s a case of students feeling the pressure to go to fancy, high priced colleges to study what seems like an obscure major. But before you think that I am about to argue that every able-bodied student should be studying for a degree in a STEM (science, technology, engineering, mathematics) field, read on...

Let me pose a question. What is wrong with a well-rounded liberal arts degree? A degree, which I might add, can be earned at countless reasonably priced colleges.

George Anders, our guest this week on Better Off makes a strong case in his recently released book, You Can Do Anything: The Surprising Power of a "Useless" Liberal Arts Education.

You don’t have to be a rocket scientist or know how to write computer code to succeed in today’s work environment.

When you really think about it, it’s amazing how many doors a so called “useless” liberal arts education can open.

As George says, you can be yourself, as an English major, and thrive in sales. You can segue from anthropology into the booming new field of user research; from classics into management consulting, and from philosophy into high-stakes investing. At any stage of your career, you can bring a humanist’s grace to the rapidly evolving high-tech future.

If you’ve got kids starting the college application process, who are resisting calls to declare a STEM major or if you’re thinking about furthering your education by going to grad school, listen to this episode before making any decisions.

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

We love feedback so please subscribe and leave us a rating or review in iTunes!

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 30 Download Hour One Here

I love when we get calls from young people who have their financial lives in order.  We started the show with James from Philadelphia who definitely falls into that category.  He and his wife are expecting their second child and they're also looking for a new house.  It's a lot of stuff happening at once and sometimes it can freak people out. James just needed some reassurance and guidance, which was easy to provide because he and his wife are doing a great job!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 30 Download Hour Two Here

One of the goals of this program is to make the daunting seem doable. And there is no more daunting topic than college. From saving for it, selecting the right one and the heavy lifting of paying for it (whether out of pocket or through financial aid and student loans), the whole subject produces anxiety for students and their families.

But it doesn’t have to be that way, according to our guest Kelly Peeler, founder and CEO of NextGenVest, a free text message service to help students navigate the college selection and financial aid and student loan processes.

It’s the busy time of year for Kelly and her team, as October 1 marks the official start of FAFSA season. And that one single form is KEY. Can you believe that more than $2.7 billion dollars, yes billion with a B, of unclaimed financial aid money is left on the table every single year primarily because people don’t fill out the FAFSA form. That blows my mind.

By using NextGenVest, students and their families are connected with Money Mentors who will help coach them through the process and also provide key financial aid deadline reminders, form annotations, and on-demand help via text message to get more financial aid in high school and beyond. Mentors will also answer questions such as:

• How do I find scholarships I can actually apply to?
• Am I filling out the right FAFSA forms?
• Am I allowed to negotiate my college tuition?
• Is working during college a good idea?
• Can I still get scholarships even if I don’t have great grades?

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 23 Download Hour One Here

How would you feel if you had a windfall of nearly a million dollars? Pretty darn good, right? That's what happened to Chris from Arizona.  But when you come into such a large chunk of change there are plenty of other things one must consider.  Namely taxes.  Uncle Sam always wants his cut, and more times than not, it's unavoidable.  But there are some ways in which the tax hit can be minimized and that's why Chris was calling.  He wants to keep as much of the windfall as possible for himself...can't say I blame him!

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 23 Download Hour Two Here

In light of the recent Equifax data breach we thought it was as good a time as ever to run a recent interview I did with identity theft expert Adam Levin, whose book Swiped: How to Protect Yourself in a World Full of Scammers, Phishers, and Identity Thieves, recently came out in paperback. We conducted the interview BEFORE Equifax, which is why we don't discuss it.

Adam is a consumer advocate with more than 30 years of experience and is a nationally recognized expert on security, privacy, identity theft, fraud, and personal finance. A former Director of the New Jersey Division of Consumer Affairs, Levin is Chairman and founder of IDT911 (IDentity Theft 911) and co-founder of Credit.com.

According to Adam, it’s best to assume the worst and learn how to protect your personal information, because creative and determined hackers are working hard to piece together snippets of information from a variety of sources in order to re-create your profile and use it to perpetrate fraud.

You need to guard your information, including Social Security Numbers, phone numbers, email and physical addresses, credit reports, medical records because thieves are trying to create a well-rounded dossier on who you are. But as you'll hear, there are steps that can be taken to minimize the damage.

This is scary stuff but I also think it's essential listening.  Like Adam says, it's when, not if, you will become a victim...a fact we have learned all too well with the Equifax data breach.

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 16 Download Hour One Here

Before we jumped into your questions, I had to first talk about the massive Equifax data breach -- nearly half of the country was impacted!  How do you find out if you're one of the unlucky ones? If you were, what steps should you be taking? Check out my recent blog post.  It has all the necessary information.  If you're more of a visual person, I did a recent segment on CBS This Morning where I also outlined all the necessary steps.

Okay, on to the show and your questions...

Is there such a thing as saving too much money? That's how we started the show with Dave in Arizona, who has done an amazing job of saving for retirement...he's got over two million bucks! But he's now starting to realize that the money hasn't been taxed and he's going to have to pay Uncle Sam when his RMDs kick in down the road.  Or is he??  You'll have to listen for the answer...

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 16 Download Hour Two Here

Since it's September and back-to-school time we thought it was a good time to talk financial literacy.

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

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

To help with your effort, this week we’re talking to Beth Kobliner, author of Make Your Kid A Money Genius (Even If You’re Not): A Parents’ Guide for Kids 3 to 23. Okay, okay, full disclosure, she’s also a friend of mine.

But that’s not why Beth is on the show.  She’s on because it’s an important topic. I know there are a lot of you out there with kids or thinking about starting a family, wondering how to have such conversations:

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

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

And FYI, Beth is the real deal. In 2010, she was selected by President Obama to be a member of the President’s Advisory Council on Financial Capability, where she created MoneyAsYouGrow.org. The site attracted more than 1.4 million visitors and was adopted by the Consumer Financial Protection Bureau in 2016.

So whether you have kids, are planning on doing so in the future or you are a beloved aunt or uncle, I encourage you to check it out. It’s never too soon to start the money talk!

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 9 Download Hour One Here

We started the show with a fun call from John in Chicago.  As he prepares for his wedding, John is trying to figure out the best way to have the financial talk with his fiancee, Kim.  John is more aggressive when it comes to finances, while Kim is more conservative, so we need to find a middle ground for these two lovebirds.  The good news is that they're already kind of talking about it, so it really shouldn't be that difficult to get them over the hump.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 9 Download Hour Two Here

Hour two this week is devoted to helping you stress proof your life.

Thanks to our guest this week, Mithu Storoni, it can be done.  Mithu is a University of Cambridge-trained MD, certified in Ophthalmology. She also holds a PhD in Neuro-ophthalmology.  In her new book, Stress-Proof, Dr. Storoni will help us all discover simple, science-based strategies for beating stress at its own game.

As listeners of the show, you guys are clearly into personal finance, and you don't need me telling you that money can be stressful.  Stress is an inevitable part of life. But how much is too much? Research is uncovering the delicate balance that can turn a brief stressful episode into systemic overload, eventually leading to anxiety, depression, and other chronic health issues.  But this doesn't have to be the norm.  There are ways to prevent it from having a negative impact on your life and health.

• When’s the best time to exercise – and how much is too much?
• Which foods fortify the brain, and which do the opposite?
• How can we use music, movement and motivation to boost our rational brain and keep our cool no matter what life throws our way?

The pages go on to outline seven paths to fighting the effects of stress–to strengthen our natural defenses so that our minds remain sharp, and our bodies resilient, no matter what life throws at us.

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Yes, this is still here, and it will be for a while longer to serve as a reminder that there's a new place for Jill on Money content - YouTube!  Seems like a no-brainer, but sometimes it takes a little outside help (h/t to JOM friend, Joe A!) to recognize the obvious.  So don't freak out.  Going forward, we're going to put all our radio and podcast content on YouTube! It'll be easier for you to navigate and listen to past shows, because everything will be in one place.  Just click any of the links below and you'll be able to listen to this week's show as well as anything else you see that might interest you, including all the Better Off podcast content if you haven't been listening. Let us know what you think by emailing us at askjill@jillonmoney.com.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 2 Download Hour One Here

In the aftermath of Hurricane Harvey, we started the show with a quick reminder about flood insurance--and why most standard homeowners' insurance policies are not likely to cover thousands of victims of the storm.

We then spoke with Donna in New York, who had some questions about using a Roth IRA and whether or not it makes sense in her situation.  Next up may have been a first...in all the years we've been doing this I don't think we've ever had a call about a prenup.  Thanks to Stacy from Philadelphia there's a first for everything. Stacy is about to get married and she's wondering if she and her soon to be hubby need a prenup.  The interesting thing is that they're both on board with the idea.

CLICK HERE FOR LATEST SHOW ON YOUTUBE

Sept 2 Download Hour Two Here

Hour two this week is devoted to defending Wall Street.  Yes, you read that correctly.

Imagine a world without companies like Apple, or media outlets such as CBS or NBC, without all of the cars and trucks crisscrossing the country, without food provided by the farmer...that’s what would happen if Wall Street did not exist...it would all go away, according to this week’s hour two guest, writer William “Bill” Cohan.

If you’ve read some of his previous books, like "House of Cards," or “Money and Power”, you know Bill is usually not one to shy away from going after Wall Street and its shortcomings. But in an interesting twist, Bill’s recent book, "Why Wall Street Matters," is a defense of the industry that he has previously pilloried.

In our interview, Bill describes a poor decision by Elizabeth Warren as the catalyst that propelled him to write this latest book. He tells us what Wall Street has done well, like providing the necessary capital to help grow companies. The money investors provide, allows companies to invest, expand and hire, thus propelling the economy.

Don’t be mistaken: Bill knows that Wall Street and the institutions that occupy the space in Lower Manhattan are imperfect, but he believes that there is far more good than bad -- and more importantly, the consequences would be dire if the essential role the industry plays were carelessly curtailed.

Bill had one goal when writing this book: for Wall Street to become understandable to the average American. In this easy to read book, Bill succeeded. I highly recommend you pick it up.

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

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

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

March 11 JOM Hour Two

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Among the solutions discussed in the book:

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

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

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

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

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

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

March 4 JOM Hour Two

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

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

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

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

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

Feb 25 JOM Hour Two

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

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

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

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

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

Feb 18 JOM Hour Two

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

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

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

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Before we take you on an underground culinary tour, you know the deal...listener questions in hour one, guest interview in hour two.  This week we started the questions with Jennifer in Georgia.  Jennifer was a bit shy about her situation...she's been investing for several years but isn't confident she's doing it the right way and wanted some advice to help take her game plan to the next level.  It was a good call...probably a question that many other listeners have...so thanks to Jennifer for be being brave and joining us. Feb 11 JOM Hour One

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Hour two was a bit of a curve ball for us.  I'm still not sure how or why Mark initially booked Damian Mogavero but I'm glad he did.  It was a lot of fun and combines two of my favorite topics: data and dining out.

Damian is the author of The Underground Culinary Tour, a recently released book that's a behind-the-scenes narrative about how the restaurant industry, historically run by gut and intuition, is being transformed by the use of data.

Feb 11 JOM Hour Two

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Chefs, and some bold-faced ones, like Danny Meyer, Daniel Boulud and Giada De Laurentiis, have embraced the use of data to help them do everything more nimbly and efficiently.  From the recipes they create to the wines and craft beers they stock, from the presentations they choreograph to the customized training they give their servers, the use of data is making their restaurants more popular and profitable than ever before.

It was a unique and fun interview that I think you'll enjoy.  As you head out to dinner this weekend, you may have a different perspective when you take a seat in the restaurant.

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

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

We started the show by spending a couple segments chatting with Ryan from Virginia, who is determined to turn over a new leaf and get his financial life in order.  He wants to eliminate all of his debt over the next couple years and was looking for some pointers.  I'm confident that Ryan is going to stick to his plan and will soon be redirecting a surplus of cash into saving for retirement. Feb 4 JOM Hour One

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Hour two is all about helping callers like Ryan become financial grownups.  And so it's good timing that our guest, Bobbi Rebell, recently debuted her new book, How to Be a Financial Grownup.

Working in the financial journalism world for a quite a while now, Bobbi thought it would be a good idea to tap into various business leaders and tell their stories to help all of you out there better manage your finances and pay more attention to your financial well-being.

Feb 4 JOM Hour Two

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Some of those who shared stories for the book include:

• Ivanka Trump (how about that for timing?)
• Tony Robbins
• Drew Barrymore
• Jim Cramer

There are plenty of others but you get the point.  Bobbi chatted with some really high level business leaders.  The stories are intended to walk you through some of the biggest money decisions you'll make regarding real estate, investing, planning for retirement, debt, careers, health and wellness and more.

Check it out, you may hear some information that allows you to make choices that are right for you.

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

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Before we discuss women and power with our guest...you know the deal, we had to first take some listener questions.  Keith from Connecticut gave us a call with a question about a career change and then we chatted with William from San Diego for a couple segments about his retirement plan.  Let's just say this guy is headed in the right direction... Jan 28 JOM Hour One

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Last year on Jill on Money we had some pretty big female names on the show.  I'd say my favorite was Alysia Reiner.  It's early but I think I may have found my favorite for 2017.

Wall Street veteran Sallie Krawcheck.  With the release of her new book, Own It: The Power of Women at Work, Sallie was nice enough to spend an hour with us in the studio.

Jan 28 JOM Hour Two

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Sallie is the co-founder and CEO of Ellevest, an innovative digital investment platform designed to help women reach their financial goals. She is also chair of Ellevate Network; a professional networking community whose mission is to advance women in business. She is one of the highest ranked women ever to have worked on Wall Street, having held posts such as CEO of Smith Barney, CEO of Merrill Lynch Wealth Management and CFO of Citigroup.

Sallie believes the rapidly changing business world plays directly to women’s strengths. She draws on her experiences at the highest levels of business, both as one of the few women at the top rungs of Wall Street, and as an entrepreneur, to show women how to take their careers to the next level.

And to all our male listeners out there, relax, it's not just a book for women -- it has something for everyone, including how to bounce back from career setbacks, even public ones.

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

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Before we discuss the science of sales and selling with our guest in the second hour we answered some of your great questions in hour one.  First up was Matt in Pennsylvania, who wanted to run his long-term game plan by us; then it was Harold in Boston with a real estate question. Jan 21 JOM Hour One

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Now to the guest...

As you've heard me say over the years, a large part of working in finance involves sales.  In many ways it is a sales job.  But then again, every one of us incorporates sales in everything we do.  Whether I'm on the radio or TV or you hear me on the Better Off podcast, I'm trying to sell you that content.  That story, that topic, that piece of advice...I want you to buy into what I'm saying.

I've been working in the finance world for nearly 30 years...meaning I've worked in sales just as long.  But hey, it's a science, so I'm still learning.  That's why we decided to have David Hoffeld, author of "The Science of Selling," on the show.

Jan 21 JOM Hour Two

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As David discusses in his book, there are decades of behavioral science research that reveal the specific behaviors that will improve your ability to positively influence others.  The research applies to those working in sales, as well as every other worker, team member, leader and even parent!

Give it a listen, you may pick up some helpful strategies to make your pitch, influence decision makers and close the deal!

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

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Before we conquer 2017 with our guest in the second hour we answered some great questions in the first hour.  It started with a real estate question from Matt in Oregon and then a fascinating career/retirement question from David in Ohio.  Both worth a listen! Jan 14 JOM hour one

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Now to the guest...

In keeping with the theme of the new year and new goals, this week we have a guest who wants to help YOU conquer your year.

Natalie MacNeil, an award-winning producer and business guru, is the author of a new project called "Conquer Your Year".  I think it's important to emphasize that this isn't a book, it's a planner.  Think of it as a tool to help make your 2017 resolutions a reality.

Jan 14 JOM hour two

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Among the tips you'll find:

• A 12 week "sprinting" technique that Natalie used herself to achiever her biggest goals in short timeframes
• How merging imagination + strategy can be the best approach to planning your year
• Guidance on breaking down your big picture goals into actionable and achievable next steps
• How to stop comparing yourself to the work and achievements of others

There's obviously a lot more in the planner but that's just an example of what you'll find.  Take it one week at a time and who knows, some of the tips may help you achieve your goals!

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

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Happy 2017!  A New Year means a new show, our first one in a while :)  What's the one word we all hear these first few days of January?  Resolutions!  We all make them, yet sadly few of us follow through on them.  Go to the gym.  Start a new diet.  Get more sleep.  The list goes on and on.  What about your finances?  Seems to me that should be at the top of the list. Since the new year is the perfect time to take a close look at your finances and career choices, we thought we'd have on an expert in the field.  So we went all the way to Toronto and found Leanne Jacobs, author of "Beautiful Money."  Okay, we didn't actually go to Toronto, though we would have to watch some hockey!  Leanne came to us to talk about her book, her life, what led her to where she is now and to help you tackle your resolutions.

Jan 7 JOM hour one

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Jan 7 JOM hour two

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Considering she has a degree in Biomedical Toxicology it's a pretty interesting story.  As she writes in her book, her work is about teaching clients how to create wealth in an authentic, joyful and mindful way. So if you're one of the many wondering what you can do this new year to improve your financial life or career, give this a listen, it may come in handy.

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

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

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

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio