Jean Chatzky
speaker
96 appearances
1 recordings
1 series
first heard Apr 2025
last heard Apr 2025
Jean Chatzky’s voice in public audio — every appearance, attributed to the second.
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Appearances
You'll eventually, hopefully, get an opportunity to refi that loan. But there are cases where renting is just better.
But you have more choice now than you used to have. I know young couples who are thinking they live in New York where the price of homeownership is unsustainable. They're looking at Philadelphia. They're looking at Charlotte. They're looking at other places where because they can work remotely, They could keep their jobs.
They could make some friends and they could be homeowners and have a standard of living that just is a little bit easier.
It's important to know how you're wired and why you're wired the way you are. The money type is love languages, right? If you ever read the five love languages, money type is that, just for money. So we worked with Ph.D., who developed this in-depth tool that has been tested on men and women to help figure out why you are the way you are with money. I mean, you may know that it is
hard for you to spend or easy for you to spend. You may know that you have trouble losing money or more or less trouble taking risk than other people. You may know that you would do anything for the members of your family, even if it meant putting yourself at financial risk All of these things are tied up in our five personality types.
And I would bet just knowing a little bit more about you and about your audience, that if people went to hermoney.com and they took our diagnostic, our questionnaire, our money type quiz, you've got an audience that is full of what we call visionaries. A lot of entrepreneurs are visionaries. And visionaries
have to be careful when it comes to their own personal finances because it is really tempting to throw all of your money against the business and think that that business is going to be your retirement plan. And we know the statistics on businesses that succeed versus fail. And you give up a lot of years trying to get that business off the ground and very quickly you can get yourself in trouble.
The other thing that I like about money type so much is that We're not all just one type. We've got a primary type. And then we have a couple of secondary types that make up our personality. And if you know your money type and your partner's money type, It's helpful in navigating the relationship and the conversations that the two of you have about money.
I was recently on a different podcast and the hosts had taken the money type questionnaire and they said, I feel so seen. Because there's something about this diagnostic. It just gets people. I felt this way the first time I took it. And I'm a producer. That's my primary money type with a little bit of connoisseur, which means I like to spend in as well. And it's really true.
And it's really interesting that a test can get you so well.
Yeah. And it's good that you figured this out before you got engaged to the guy or worse, married the guy, right? In my house, we say this is why we work. And we say it for exactly the reasons that you just described. We work hard and we work hard so that if we want to get on a plane and fly across the country, we don't have to think about it. This is the...
payoff of working so hard and producing. And I acknowledge we are definitely privileged. I'm fortunate to have a career that I love, which makes working hard feel like not working as hard. But this is why we work. If they didn't pay us, we wouldn't work so hard.
Well, first of all, are you not on the real, real? You should just be turning over your closet. I mean, this is what I do because I'm the same. I do a lot of appearances and I don't want to be wearing the same thing all the time.
And I wear it a couple of times and I send it to the RealReal and I buy something else on the RealReal and I run a credit and it makes me feel like I'm shopping for free, even though it's not quite shopping for free and that I'm doing something a little bit better for the environment. And so that's my shopping suggestion. But when it comes to overspending in general,
I think that the secret is that most people have absolutely no idea where their money is actually going. So when we teach budgeting, and we have a program called Finance Fix where we teach budgeting and how to do this in a way that you can actually save something, we put people through this process of figuring out where their money is going.
We use technology to do it so you don't have to do it by hand. And once you see where you've been using your money, then you have the tools and the ammunition to make changes about where you consciously want to use your money. And so it's not, don't buy the coffee, right? Everybody's least favorite example. It's,
If the coffee is the thing that lights up your day, then by all means, buy the coffee. But if you could care less and really what you want is a little bit of caffeine to help you get out the door, then make it at home and have a sip and go about your day and spend your money on something that you actually value.
The cheapest way, the cheapest, fastest way to pay off debt is to just stack it, highest interest rate to lowest interest rate. Pay off the highest interest rate debts first while making the minimum payments on the rest. Once that high interest rate debt is gone, then you just move on to the next one and so on and so on and so on. The student loan debts are a little bit of a different beast.
Long-term debts, student loans, mortgages, car loans, You basically want to try to pay those off on the schedule that you're given. If you're struggling with your student loan debts and their federal debts, then you want to make sure you're enrolled in an income repayment program through the Department of Education. We're getting some changes to those programs that are helpful.
As long as you're enrolled, you should get notified of the changes and they should come your way. But don't let... paying student loan debt faster, get in the way of doing important things like grabbing the match from your 401k. Because if you look at the return on your money, the way that we think about or the way that we should think about return on your money is,
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