So Money With Farnoosh Torabi

Overwhelmed, over-worked, and feeling like you just can’t ever get enough done? According to today’s guest, the secret to solving that is to create lists. Paula Rizzo is an Emmy-award winning television producer and productivity powerhouse who helps people stop wasting their precious minutes each day by utilizing lists. She has created a formula for creating the perfect to-do list that can help beat stress and she’s sharing it in her new book, Listful Living.  Learn more about Paula on her website PaulaRizzo.com and on ListProducer.com. Connect with her on Twitter @ListProducer and on Instagram @listproducer.

Farnoosh welcomes Tom Bonsaint, an avid listener and former college buddy to the show as co-host. Questions today regard how to take on a healthy amount of risk when investing, smartly managing the proceeds of a house sale and the pros and cons of robo investing. Plus, Farnoosh selects a recent reviewer to receive a free 15-minute money session.

What does it take to bring a world-changing idea to life? My guest today co-founded a company we all know, that fundamentally changed the way that we experience media. Marc Randolph is a veteran entrepreneur and investor who's best known for co-founding and serving as CEO of Netflix. I'm sure you've heard of Netflix. How do you take an idea to rent movies over the internet and turn it into a company with some 150 million subscribers? Well, it takes grit, it takes gut instincts, it takes failure and determination. Marc's book, That Will Never Work, is out now. It's about taking a leap in business and in life to bring your ideas to market and change the world. Marc and I talk about the beginnings of Netflix, borrowing money from his mother and what happened in that meeting with Blockbuster all those years ago when they actually pitched Blockbuster to buy Netflix. 

Kelly Brogan is a holistic psychiatrist who has gone through a radical transformation in her career. When she began her career she was — as she says — great at prescribing drugs. But after an experience treating her own thyroid condition, she put down her prescription pad. In the nine years since then, she’s focused her work on treating and healing her patients with more natural solutions. In her new book, Own Your Self, Kelly shares how she believes people can become free from depression, anxiety, and fatigue and finally become their real selves. Learn more about Kelly on her website KellyBroganMD.com and connect with her on Youtube, Instagram and Twitter @KellyBroganMD.

From confusion around ROTH IRAs to investing in a 401k when you're not a U.S. resident, Farnoosh has answers to your money questions. Plus, tune into hear the TWO reviewers selected for a free money session.

Empathy, experience, and expertise; just a few of the reasons why our guest today is one of the leading personal finance authorities. Welcome to So Money, everybody. I'm your host, Farnoosh Torabi. Diane Harris was the first woman ever to be appointed editor-in-chief of Money Magazine. There, she helped the brand transition to the digital world with money.com and brought important and sometimes taboo issues related to women and money to the forefront. After 22 years at Money, she is now one of the top editors at Newsweek. Her childhood made a significant impact on her desire to help others with their finances. We begin our conversation talking about a recent cover story for Newsweek that Diane wrote, the topic, the biggest myths about student loans. I was shocked. So much to discuss. 

Ever have an underwhelming experience ordering flowers online? I’ve had many and our guest today became committed to fixing that problem and has created a multimillion dollar business. Christina Stembel knew she always wanted to start a company, living in San Francisco where it seems like everyone has a successful startup. She was constantly brainstorming ways to disrupt old industries. Eventually, she found herself with a million-dollar idea. Flower delivery. It was a rough start, unable to raise any money, Christina bootstrapped her company, starting with $49,000 in savings. Thanks to her drive and determination, she was able to weather the trying times, and there were many, to grow Farmgirl Flowers into a 23-million-dollar business. That’s how much they made last year in revenue; $23 million from flowers and Christina has her sights set on growing this to a billion-dollar company. 

This Friday, Farnoosh answers your financial questions related to money and marriage. Specifically, how to work through the emotional stress that financial challenges create in your relationship. Also, how to ask for a raise when your company flat out rejects out and says they only give big raises for promotions? It's also 401(k) Day! Farnoosh shares her advice on investing in a workplace retirement account and how to best supplement retirement savings when your employer makes you wait 6 months until being able to participate in a 401(k) plan.  Plus, sharing both a positive and critical review from listeners.

What if money didn’t matter? What would you do and how would you live your life differently?  Kyle Cease is a comedian and transformational speaker who is taking on the topic of money in his new book and documentary, The Illusion of Money. Kyle believes that your fear of money is keeping you from living the life of your dreams. He’s come to this career as a motivational speaker from an interesting starting place: a comedian. He spent his 20’s touring thousands of venues with his stand up routine and has done hundreds of TV and movie appearances. How did he go from a career in comedy to writing a book about money and living your fullest life? I’m happy to welcome Kyle Cease on the show today to share his story and more. Learn more about Kyle on his website: https://kylecease.com/.  Connect with him on Twitter @kylecease and on Instagram @evolvingoutloud and on Youtube. 

To all my parents out there listening you know that the juggle and struggle between career and family life is tough. It's so hard that 43% of mothers take a career break. But once that career break is over, getting back in the workforce is the new challenge. Our guest is Erica Parker Price, who knows all too well the difficulties of returning to work after a career pause. She spent the first 12 years of her career working in technology and negotiating multimillion-dollar projects. But after her second child was born, she decided to quit to raise her sons. Once she was ready to re-enter the workforce, her gap meant she struggled to find a job. She couldn't return to tech, and it took her years to find her ways into a new industry. Frustrated by the experience and wanting to help other career pausers along the way, she launched Ready Pause Go, a service and podcast coaching Women on had a transition back into the workforce.Learn more about Erika on her website: https://readypausego.com/ and connect with her in

This Friday, Farnoosh answers your questions related to salary negotiations, putting your teen on a budget and how to trust all the "success" stories we often hear about online entrepreneurs.

Special co-host Julie Lambert from Charles Schwab and Farnoosh answer questions about planning for retirement when you're getting a little bit of a late start (and you're also a freelancer), as well as things to think about if you're looking to move to New York City and start a family.  [Farnoosh has been compensated by Charles Schwab. Farnoosh is not affiliated withSchwab and the views she expresses may not necessarily reflect those of The Charles Schwab Corporation orits affiliates. Farnoosh is a client of Schwab.]

Are you making the right financial moves not just for yourself, but for your family, and your legacy, and the future? This is a passion topic for my guest today, Natalie Elisha Gold. She’s an attorney and wealth coach who helps women protect their legacies and future. She wants us all to talk about money, learn about money and get our financial and legal docs in a row right now. Time is of the essence.  She gives women the nudge they need to plan for things that aren’t pleasant to think about but are so important to do — like creating a will and guardianship documents.  Natalie is a mother. She is an attorney. She is a wealth coach. She is the author of Money Momma: The Women’s Wealth Bible for the Digital Age. We discuss the importance of striking out on your own, but also the conservative steps that you need to take to be able to protect your ability to take on risks, to have a legacy, to provide for your family in the event of the unexpected. Learn more about Natalie on her website https://www.nataliegold.

Daniela Pierre-Bravo has a lengthy roster of accomplishments: She is a booking producer for MSNBC’s Morning Joe and recently co-authored a book with Mika Brzezinski, providing straight-talking advice for millennial women in the workforce, entitled Earn It! But none of these opportunities were handed to her. Moving to the U.S. from Chile when she was a teenager, she found out she was an undocumented resident when applying for college...and, as a result, was unable to work, drive, or receive financial assistance for school. Luckily, she became a Dream Act student, and from there, took the opportunity to side-hustle her way through school to graduate on-time and debt-free. That drive continued as she entered the workforce.Follow Daniela on twitter @dpierrebravo and on the Know Your Value website: https://www.nbcnews.com/knowyourvalue

This week, Farnoosh answers your money questions related to long-term care, whole life insurance and real estate. Is a cash-out refinance a smart way to leverage your home's equity to buy an investment property? Also, Farnoosh selects a recent reviewer on iTunes to receive a free 15-minute money session with her. 

Bethanie Baynes is the Director of Strategic Partnerships at Google and has been with the company for 15 years. She’s worked to overcome gender bias in tech and is a strong female advocate. She’s also a breadwinning woman and has, what she calls, a Flip Family. When her husband was laid off, it felt natural for him to become a stay-at-home dad. They soon realized that many of their friends and family saw it differently. In her efforts to create a community for fellow female breadwinners, Bethanie founded the Breadwinning Women at Google.You can find Bethanie on her site Bethaniebaynes.com.

If you’ve ever felt like budgeting just doesn’t work for you, my guest Kumiko Love can relate. Frustrated by traditional budgeting methods, she created her own technique to pay off almost $80,000 of debt in eight months. And this technique helped launch her business, The Budget Mom. A few years ago Kumiko was struggling to pay down her debt. As a single mom, she knew that she needed to get out of the cycle of making minimum debt payments each month, but she had tried and failed to stick to a budget numerous times. So, she created a method that she could actually stick to. She calls this her Budget by Paycheck method and as she was using it to get out of debt, she started a blog to share her journey. That blog has now turned into a business that just launched its first physical product, the Budget by Paycheck Workbook™.  You can learn more about Kumiko on her website https://www.thebudgetmom.com/ and you can follow her on Instagram @thebudgetmom on Facebook @thebudgetmom

Farnoosh answers your top money questions related to refinancing, as well as managing a past due personal loan with a relative and the impact the FIRE movement and more people retiring early may have on society. Farnoosh also selects a winner for a 15-minute money session.

What does it take to go from growing up in poverty to running a multi-million dollar business and having a TV show on The Oprah Winfrey Network? Our guest today knows all about this. Mahisha Dellinger had a very tough financial upbringing but she was determined to succeed. After college, she graduated and began working in marketing at Intel. While it seemed like a great job, the dream job, stable company with a lot of perks, a big part of her always wanted to strike out on her own. She got the idea to begin an eco-friendly line of hair products for naturally curly hair, and we'll talk about how she transitioned from corporate America to taking the leap to ultimately start CURLS. It was an idea that has in five years scaled BIG. CURLS has now teamed up with Target to bring her products into their stores. Mahisha is also the author of the book Against All Odds: From The Projects to the Penthouse. Her business has even caught the eye of Oprah, and Mahisha has had the opportunity to have her own show on The Oprah

What is the equation for financial independence? Today we have the co-hosts of the very popular ChooseFI Podcast, Jonathan Mendonsa and Brad Barrett. Both of these friends come to the personal finance space with their own unique experiences. Brad and his partner saved a million dollars in just 11 years. Jonathan was able to pay down a $168,000 in student loans. In 2017, Jonathan and Brad saw the need to bring even more community to the FIRE Movement, Financial Independence Retire Early Movement. After meeting up a few times together, they decided to create that community with their podcast called ChooseFI. Today, ChooseFI is helping to spread the FIRE Movement. Their crowdsourced podcast is over 2,600 reviews and their Facebook group has over 48,000 members. Their message is spreading and their podcast is a big force in this movement. We talk about their histories with money, how they educate their audiences around financial independence and is there an equation for financial independence? There actually is o