Why are we so crazy about money? That was the question we asked guest, psychologist Lisa Damour. The reason, according to Lisa, is that feelings and money get knotted up and become hard to untangle.  Lisa directs Laurel School’s Center for Research on Girls, writes a column for the New York Times’  Well Family online report, serves as a regular contributor to CBS News, and is the author of the New York Times best seller, Untangled: Guiding Teenage Girls Through the Seven Transitions into Adulthood. She also maintains a private psychotherapy practice, consults and speaks internationally, and is a faculty associate of the Schubert Center for Child Studies and a clinical instructor at Case Western Reserve University.

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One of the toughest parts about our relationship with money is that it becomes the vehicle to express so many other emotions. In our conversation, Lisa discusses how to make peace with intergenerational trauma, how to break the habit of enabling adult children and how to talk to our family members about the difficult subject of money.

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

In honor of National Estate Planning Awareness Week, we invited estate attorney Virginia Hammerle on the show to break down how to tackle the often emotionally fraught topic. Hammerle says instead of diving in head-first, it is helpful “to focus on an isolated issue, like titling of a bank account or making a beneficiary designation,” which can lead to a broader discussion of family finances and estate planning.

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Once you break the ice and start the process, figure out what you are trying to accomplish and try not “to get stuck on the next fifty years,” says Hammerle. “Every estate plan can be changed and in fact should be revisited every few years." Here are the basic documents that you will likely draft:

• Will: A legal document that ensures that your assets are passed to your designated beneficiaries, in accordance with your wishes. In the drafting process, you name an executor, who is the person or institution that oversees the distribution of your assets. If you have minor children, you need to name a guardian for them.
• Letter of Instruction: This may also contain appointment of someone who will ensure for the proper disposition of your remains. This is especially important if you are choosing something that is contrary to your family’s tradition.
• Power of Attorney: Appointment of someone to act as your agent in a variety of circumstances, like withdrawing money from a bank, responding to a tax inquiry or making a trade.
• Health Care Proxy: Appointment of someone to make health care decisions on your behalf if you lose the ability to do so
• Trusts: Many have either revocable (changeable) or irrevocable (not-changeable), depending on family and tax situations. For 2016, the first $5.45 million of an estate is exempt from federal estate taxes. If an estate is above the threshold (or twice that for married couples), a revocable trust may be suitable to consider.

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

Amid the Jewish holidays (Happy 5777!) and Mark's big Asia adventure, we are re-airing our great interview with generational expert, Cam Marston. Can Gen-X and Millennials get along? Are Boomers and Gen-Y finding love?  Cam explains how to better communicate across generations. We'll be back with a brand new show next week!

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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

Entrepreneur Brian Wong is a paradox: a whip smart twenty-something business owner, who is a really nice guy; a wonky tech enthusiast, who probably wishes he could be in the NHL, rather than be a brand expert; and an author who provides lots of tips, but acknowledges "There is no one way. There are lots of ways." Brian joined the show to discuss his new book, "The Cheat Code: Going Off Script to Get More, Go Faster, and Shortcut your way to Success."

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Brian, the self-proclaimed extroverted introvert, is an incredibly grateful man. He has learned quickly that "truly golden relationships start when your goal is not to force anything but to share some of yourself with people, learn from them." Here are some of his pearls of wisdom:

• Know your strengths
• Tune out stop trying to be in touch with everybody all the time (in other words, be careful how you use social media)
• Stop comparing yourself to others
• Get out more...There's no substitute for meeting people and gaining new experiences.

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

Stop trying to beat the market, because you can't. That sage advice comes from investment legend Charley Ellis, who has been keeping tabs on the debate between active and passive investment management for five decades. In his new book “Index Revolution: Why Investors Should Join it Now” Charley argues that indexing is the most efficient and cost effective way to achieve your long term financial goals. He states it clearly: “The stunning reality is that most actively managed mutual funds fail to keep up with index funds.”

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Ellis founded Greenwich Associates in 1972, creating a financial industry consulting firm that would become a go-to resource for the biggest fund managers and Wall Street firms. One of his many claims to fame is that he was the first industry insider to publicly proclaim that most active portfolio managers do not keep up with the benchmarks they are trying to beat, and that investors are better off in low-cost index funds. That admission occurred in 1975, when he wrote a timeless article, titled The Loser’s Game. In the article, he explained the quandary that active managers face and quantified their disappointing results. It was the same year that Vanguard launched the first index mutual fund. In addition to writing and talking about the industry, Charlie serves on as an Investment Committee member of Rebalance IRA.

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

How did the billion dollar video game Tetris become a global addiction? According to Dan Ackerman, author of “The Tetris Effect: The Game that Hypnotized the World,” the history of Tetris is a start up story, which involves the Russia-US relations before the fall of the Soviet Union. Dan's day job is a Section Editor/Reviews - PCs & Laptops at CNET and can be seen regularly on CBS This Morning and other news outlets, so we also pump him about Apple's iPhone 7 and the exploding Samsung phone!

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The story of Tetris involves protagonist Henk Rogers, a Dutch immigrant to the US who hacked his elite high school’s computer, before going to college in Hawaii and then moving to Japan. Rogers created the Japanese role-playing game industry (think “Dungeons and Dragons”) and scored a big hit called “The Black Onyx”. At the same time, Alexy Pajitnov was in the USSR and created Tetris, but ended up giving it away because there was no way to make money on it. Once the Russian government realized that Westerners were willing to pay up for the distribution of the game, the chase was ON!

HOW WE DOIN'?

The Census Bureau said Americans finally got a raise last year after eight years of stagnating incomes. In the 2015 Poverty and Income Report, median (the point where half of households fall below and half are above) income rose 5.2 percent in 2015 to $56,516 and picked up in all regions of the US, across all age groups, and for most ethnic and racial groups. Even with the solid gain, income (adjusted for inflation) remains below the median of $57,423 in 2007, just before the Great Recession began and is still 2.4 percent below the peak it reached in 1999, when it was $57,909.

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

Kelly Peeler, the founder and CEO of NextGenVest is back on the show to discuss the NEW FAFSA availability date--October 1st! Considering that families leave $2.7 billion of unclaimed financial aid on the table, primarily because they don’t complete the FAFSA form, Kelly says it is important not to procrastinate! Her team at NextGenVest can help students make smart decisions around paying for college in an accessible way. One way they do so is to provide a "Money Mentor" (trained college students) for every high school or college student, who can make the process of applying for college and getting aid much easier…Just TEXT 646-798-1745 “I want help paying for college”

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NextGenVest will send you the list of documents that you need to assemble and will help you come up with your specific list of financial reach and safety schools. Kelly also explains that Financial Aid and applications are two separate tracks and details what families need to know about the merit aid/grant/loan process. Here are various sources of college money:

• Family savings/income
• Federal Grants: do not have to be repaid (Pell Grant-awarded annually, so you have to complete FAFSA every year)
• State Aid: TAP – access for in state
• Fed/State/Direct/PLUS loans
• Institutional grant from a specific college
• Private scholarships
• HELOC/Private loan

After graduation, you can go to student.ed.gov to learn about repayment options for federal loans and you can also check out the private student loan refinancing market from companies like SOFI, Common Bond or Earnest.

Check out Kelly’s TED 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

"Use the Internet to get off the Internet," says our guest Laura Virili, a social media goddess. I love the idea of using social to create a connection and then going offline to deepen that connection. In our conversation, Laura discusses how to leverage LinkedIn and other platforms for professionals, challenges us to figure out what makes us different from others on those platforms and warns against pushing out meaningless content when we should be listening.

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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

It's official: "Equity" is a now my new favorite movie about Wall Street. Sure, "Trading Places" was a classic, but there has never been a film about Wall Street where not only are women the main characters, but they also populate every role behind the camera. Guest Alysia Reiner (she plays Fig on "Orange is the New Black" and starred in the movie "Sideways") is the co-star and co-producer (with Sarah Megan Thomas) of "Equity" and explained why the movie felt so real: they spoke to REAL women who worked on Wall Street, some of whom became investors in the film.

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"Equity," which takes place in the post-financial crisis era, explores both gender and generational roles in finance in an entertaining and provocative way. As the financial thriller unfolds, we see ambitious women trying to walk the tightrope between being too nice or being accused of "having sharp elbows" or "rubbing people the wrong way."

There is also an interesting take on mentorship, which can be tricky in a male dominated field. Naomi, the main character played by Anna Gunn of "Breaking Bad" fame, advises young professional women, "Don't let money be a dirty word" -- a sentiment that we wholeheartedly embrace on this show!

Women also adapt by using what they have to their advantage. Alysia plays "Sam," the assistant US attorney who is a college acquaintance of Naomi. Sam uses her sexuality to her advantage as she investigates Naomi's firm for insider trading. Meanwhile, Naomi's associate Erin (played by Sarah Megan Thomas), who is juggling her husband and recent pregnancy with the desire to advance her career, finds herself asked to treat a twenty-something tech entrepreneur "very, very gently."

I don't want to give too much away--just listen to the interview and GO SEE THE MOVIE!

Here are some of the articles that I mentioned earlier in the show:

• Why You Should Work Longer
• Social Security Refresher
• Bad Trade: College for Retirement

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

Inspired by her own kids, investment advisor Rachel Gottlieb, CFP has written a new book "Zac's Dollar Dilemma," which can help you teach your kids about money. The book is aimed at preschool and elementary school children and helps parents introduce the topic of managing money in a fun and engaging way that kids can understand. Rachel also discussed how she became involved in financial services instead of pursuing a future in musical theater!

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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

Former NY Knick/Toronto Raptor John Wallace joins the show to discuss his amazing career, what it takes to succeed as a pro athlete and why he hates investment risk. After playing in the pros in the nineties, John now works for the Knicks, does public and motivational speaking, but his true love is philanthropy. John works with Winning Because I Tried, a youth mentoring program. A big thanks to James Altucher for connecting us to John!

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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 all need to earn a living, but some are fortunate enough to find purpose and passion in our work. You don't need to be saving lives to find those qualities, says our guest Dave Isay, the founder and president of the nonprofit StoryCorps, an organization devoted to recording and archiving humanity’s wisdom through facilitated interviews. I serve on the Board of Directors of StoryCorps, which is how I have come to know Dave.

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You may have heard StoryCorp stories on National Public Radio, which airs a slimmed down version of the forty-minute interviews on Fridays. The mission of the organization is to preserve and share humanity’s stories in order to build connections between people and create a more just and compassionate world. (Check out Dave's TED talk here)

I invited Dave on the show to discuss his new book, “Callings: The Purpose and Passion of Work”, which presents stories that celebrate the passion, determination, and courage it takes to pursue the work we feel called to do. As I read the book, I thought back to the opening of the 1990 book "Flow: The Psychology of Optimal Experience," by Mihaly Csikszentmihalyi: "Despite the fact that even the least affluent among us are surrounded by material luxuries undreamed of even a few decades ago…people often end up feeling that their lives have been wasted, that instead of being filled with happiness their years were spent in anxiety and boredom." In the stories that Dave recounts, we meet people from an array of occupations who are anything but bored.

If you want to hear more StoryCorps stories, check out the podcast and if you want to record your own story, download the StoryCorps app!

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

Have you ever tried to correct an error on your credit report? If so, there is good news: the credit reporting industry is about to change dramatically. Earlier this year, the three main credit reporting agencies -- Equifax, Experian and Transunion -- agreed to a multi-phase settlement with the New York Attorney General. This fall, the agencies begin phase one of being more proactive in resolving disputes and changing the way they report on unpaid medical bills. To help untangle the new reform measures, we asked nationally-recognized credit expert John Ulzheimer to come back on the show to tell us what's going on.

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Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 230 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit.

As a reminder, the three main agencies report your information to the scoring companies. According to FICO, the company behind the most widely used credit score, the most important factors are:

• 35% Payment History
• 30% Total debt outstanding, which takes into account how many accounts you have and how close you are to your credit limit
• 15% Credit history
• 10% Credit Mix
• 10% Number of inquiries—specifically those generated when you are seeking to increase your borrowing, perhaps because you’re shopping for a mortgage, car loan, or student loan.

John also reminds us that identity theft is the NUMBER ONE white collar crime. Criminals are looking for your name, address, date of birth and social security number. With that information, they can wreak havoc on your financial life. To help defend yourself, John recommends the following steps:

1. Minimize broadcasting your personal information online
2. Check your credit report monthly
3. Sign up for free credit monitoring

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

The fiduciary duty entails asking an important question: Does your financial advisor put you first? That's what our guest Mary A. Malgoire, CFP helped explain. Mary is the founder of The Family Firm Inc, a fee-only financial advisory firm in Bethesda, Maryland and believes in the client-first, fee-only model, because there are “too many conflicts that exist.” As the past President and Chairman of the Board of the National Association of Personal Financial Advisors (NAPFA), she is fee-only true and blue!

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Mary joined the board of the Institute for the Fiduciary Standard in January 2015 and has been instrumental in developing the Campaign for Investors website. The Institute is a not-for-profit organization that formed to advance objective and competent financial advice, by educating investors about their rights and promoting best practices among financial advisors. In short, the Institute seeks to change the financial services industry and improve investor outcomes. The web site has lots of resources for investors including: How to find out if your current advisor is a fiduciary, how to calculate your investing costs and to know your rights as an investor.  The six duties of a Fiduciary are: Serve the client’s best interest; Act in utmost good faith; Act prudently -- with the care, skill and judgment of a professional; Avoid conflicts of interest; Disclose all material facts and Control investment expenses

 Callers/Listener E-Mails/References:

Here's the article I referenced: Financial Threats you CAN Control

We fielded retirement account questions from Henry, Dev, Shirley; debt issues from Matt and Jean (check out the NYT and ProPubica NJ Loan Program article that outlines some of the ridiculous rules around education debt); and investment strategy questions from Pete and Beatrice.

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

Despite stock market indexes reaching all-time highs, American businesses are falling to new lows. The reason is that the golden age of US innovation and capitalism has given way to what our guest Rana Foroohar calls "financialization.” Rana is the Time business and economics columnist and author of "Makers and Takers: The Rise of Finance and the Fall of American Business." The book divides the American business world into "Makers," those companies that serve the real economy by providing capital and investing in long-term growth and "Takers," those who use financial engineering to juice short-term profits and as a result, enrich their shareholders and themselves.

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How did we go from the simple explanation of banking that Jimmy Stewart provided in "It's A Wonderful Life" ("The money's not here [in the bank]. Your money is in Joe's house that's right next to yours. And in the Kennedy house and Mrs. Macklin's house and a hundred others") to a world where only about 15 percent of all the money in our system actually ends up in the real economy?  Rana notes that the 40-year process has culminated in the financial sector holding "a disproportionate amount of power in sheer economic terms. It represents about 7 percent of our economy but takes around 25 percent of our economy of all corporate profits, while creating only 4 percent of all jobs."

And if you have an MBA or are thinking of getting one, you might be interested in knowing that "an increasing number of business educators at top schools are concerned that MBA programs are churning out number crunchers without a conscience." Before you get too depressed, listen to the whole interview, because Rana notes "Despite all our problems, America is still the prettiest house on the ugly block that is the global economy." There are also some interesting policy shifts that could occur that would remedy the trend.

Callers/Listener E-Mails:

If you are interested in starting your own business, check out my conversation with Barbara, who is trying to decide whether or not to start a private practice. We discuss the Social Security Windfall Elimination for Scott, the use of fixed annuity for Deanna and robo advisors for Andrew.

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

Making money in a low return world is tough. Last week, the yield on 10-year US government bonds touched an all-time low and stocks have been stuck in neutral for two years. Given the current environment, return caller Ryan asked whether one asset allocation fits all portfolios? In other words, should you put those investments which are likely to appreciate the most in a Roth IRA, where you will never have to pay taxes on the gains? It may take some some work, but the idea has merit.

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Heather Long, CNNMoney's senior markets and economy writer, joins the show to weigh in how you can make money in the current low return era. Heather notes that most forecasters now expect below average returns for the major asset classes over the next five years. She helps us decide what to do about it. Heather also discussed politics, diving into the question: Who’s better for your money: Trump or Clinton?

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

Mark Miller, the editor and publisher of RetirementRevised and nationally recognized expert on trends in retirement and aging, returns to the show to offer his unique perspective. Mark offers a holistic view of retirement security, including healthcare and Medicare, Social Security, retirement investing, midlife careers and housing.  He also writes frequently about retirement-related public policy issues, including Social Security, Medicare and workplace retirement plans.

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We started the conversation discussing Mark's next book, “Jolt: From Trauma to Transformation,” which examines what makes some of us able to bounce back from trauma and others not so much.

Mark weighed in on the Department of Labor's Fiduciary rule and completely dismissed the industry's push back against the changes. (Check out his post: Is the fiduciary rule fight really about the little guy?) With trillions of dollars in assets set to leave big firms, it's no wonder they fought so hard against putting clients' interests first. We finished up with tips on Social Security and Mark's take on the possibility of Social Security expansion.

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

Here's the perfect antidote to Brexit Blues: Talking travel with Peter Greenberg. Peter, a multiple Emmy-winning investigative reporter and producer, is the travel editor for CBS News, appearing on CBS This Morning, CBS Evening News with Scott Pelley, and Sunday Morning, among other broadcast platforms. He is also the host of  the public television show, “The Travel Detective with Peter Greenberg”.

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We started with the basics that every traveler needs to know about Zika virus. Although fear is dominating, Peter says travelers need to practice common sense and be sensitive to germs. Because of the Zika fears, there are still deals for the Olympics in Rio! Peter advises that if you are interested in heading down to Rio, call hotel and ask which organization is controlling the block and leave your name. He also said that economic problems in Puerto Rico are presenting travelers with good options.

Last year, Peter told us to get to Cuba before it becomes Miami Beach South. He reiterates that advice and says that there is even more access to Cuba now, because six airlines are flying there. "Go now." says Greenberg, because before long, there will be price gauging when all of the tourists get there. Spend a week, but remember that the island-nation is still primarily a cash-only country. Peter's big tip: Change US dollars into euros, because there is a 30 percent premium on USD exchanges!

Peter's current favorite European destination is Malta, which is 1.5-hour flight from Rome. He said that you will find history, art and architecture, as well as a classic hotel in the Corinthian. For exotic or faraway destinations, Peter likes the Faroe Islands (between Greenland and Europe) and Indi, which he says is too big to do as one trip. Peter's two favorite hotels in NYC are The Mandarin Oriental and The Lowell, which has the last working fireplaces in New York!

You may want to check out Peter's book, “Don’t Go There,” which helps travelers avoid some common pitfalls. He advises avoiding places with high pollution, crime and alcohol consumption. His hot list of places to avoid includes: Syria, Chechnya and the Congo.

As a reminder, Peter warns not to confine your search for airfare to the web–only 52% of inventory is available there! Amazingly, calling still works, as does using alternate airports, which can also help limit airport security craziness/lines.

FOLLOW UP: I mentioned that previous guest Mark Cortazzo has an Annuity Review service…the website is www.annuityreview.com.

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 celebrate Father's Day with guest Mark Cortazzo of Macro Consulting Group. Mark says retirement investing requires a big shift in thinking, especially when it comes to risk. While growing your portfolio, time and volatility can be your friend but once you start withdrawing from the portfolio, they become your enemy and market hits have a much greater impact. Mark's perspective on how to manage the transition from accumulating wealth to withdrawing during retirement is valuable.

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In honor of Father's Day, check out this post, where I review some of the valuable lessons Albie (also known on this show as "Big Al") imparted to me.

You might think that as a former options trader on the floor of the American Stock Exchange (AMEX), my father would have been a big risk-taker, but Dad developed a healthy respect for risk. He compared investing to swimming in the ocean. When the water is calm, you feel brave and alive, but when a wave sweeps you off your feet, you are humbled.

 Here are some of Dad's pearls of investing wisdom:

• “Every asset class stinks, but cash is the best of the worst.”
• Sarcastically referring to big investment firms’ opposition to the DOL’s Fiduciary Rule: “Only these geniuses think that NOT putting the client first is a smart business proposition.”
• About investors who pile into expensive, but poor performing hedge funds: “Just because they have money does not make them smart.”

If you missed the great episode with James Altucher, check it out here.

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

Coach Barbara Russo has sound career advice for every worker: Use your gums, not your thumbs! In other words, stop texting and e-mailing and instead seek to create face to face relationships in your work life, if you want to succeed. Barbara says there are usually three types of clients that she encounters: those who want to get in, move up or move on. In each phase, she offers common sense ways that we can advance our careers.

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In many of her engagements, Barbara asks her clients to look within themselves to answer some important questions:

What do you want more or less of in your work and personal life? What is working right now/what isn't? What do you want your life to look like in the next 10-20 years? Are there co-workers or bosses who you need to better manage in order to be happier? For those who are risk-averse,  Barbara says,  "Sometimes you jump off a cliff and land paradise."

If you missed the great episode with James Altucher, check it out here.

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