Money Rehab with Nicole Lapin

Allie Miller is the number one most-followed voice in AI business and an advisor to Fortune 500 companies , and she's on Money Rehab to tell us that most people are leaving serious money on the table by treating AI like a productivity tool. Today, Allie joins Nicole to break down exactly how to use AI as a wealth strategy in 2026 and beyond.

Allie pulls back the curtain on her AI workforce (34 agents named after Friends characters) and explains why delegation is now a financial strategy, not just a productivity hack. She and Nicole dig into the most important question everyone has right now: what's safe to share with AI, and what isn't? From feeding Claude your insurance policy after a disaster, to connecting AI directly to your investment accounts, Allie lays out how to think about risk and leverage when it comes to your financial data.

They also tackle the hard questions about kids and AI: AI companionship dangers, AI toys, age limits, whether college is even coming back, and why "AI scams are the new white vans." Finally, Allie shares her honest, unfiltered take on investing in AI companies, why she's long-term bullish, and the bold predictions people are calling her crazy for making today.

Check out Nicole's financial literacy course The Money School

Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective

Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram

Follow Allie Miller on LinkedIn and Instagram

Here's what Nicole covers with Allie: 

00:00 Are You Ready for Some Money Rehab?

01:13 Allie's AI Workforce Explained

04:00 How to Build Your Own AI Workforce (No Coding Required)

06:40 What AI Still Can't Replace

10:00 Meet Simon, Rachel, Phoebe and the Rest of the Team

12:03 What to Always (and Never) Outsource to AI

18:30 AI Data Privacy

22:48 Customizing AI With Your Personal Context

31:43 Kids and AI: Raising a '90s Kid in 2026

38:10 What Age Should Kids Start Using ChatGPT or Claude?

44:52 How to Hack AI Sycophancy

47:25 Where Allie Draws the Line on AI Companionship

52:20 Using AI to Manage Investments

57:00 Will AI Replace Financial Advisors?

01:00:13 When Will We Be Working With Humanoids?

01:05:15 Investing in AI Companies and the Bubble Debate

01:09:45 Allie's Boldest Predictions

01:14:22 Allie Miller's Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Stand-up comedian and writer Josh Johnson returns to Money Rehab nearly two years after his first time on the show. Since then, he has become a hosting correspondent on The Daily Show, reached millions of followers on socials and continued to post a new stand up set to YouTube (he’s done this for 156 consecutive weeks). He talks about how he’s avoided lifestyle creep as his career has flourished, the best money advice he’s received, and why being broke is like drowning in a swimming pool.    

Then, Nicole gets Josh’s take on some of the strangest recent money headlines, including a woman who reportedly saved $15,000 on groceries by going on dates, Victoria’s Secret stock jumping 48% after changing its ticker to “VSXY,” and why taxes are apparently making Gen Z cry.

Check out Nicole's financial literacy course The Money School

Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective

Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram

Follow Josh Johnson’s incredible work and see him live!

Listen to Josh’s first interview on Money Rehab

Here's what Nicole covers with Josh:

00:00 Are You Ready for Some Money Rehab?

01:46 What's Changed Since Last Time

04:10 The Ownership Illusion

06:28 Why Even Billionaires Never Feel Safe

08:00 How to Stop Moving the Goalpost on Financial Safety

09:18 Lifestyle Creep

12:00 Selling Shoes on eBay and Wikifeet

14:03 The Poisoned Pizza Story

15:18 Why Being Broke Is Like Drowning

19:00 Money-Saving Extremes

24:40 The Culture of Greed and “Good Business”

26:39 Food Insecurity in America

32:17 Cheap Corruption and Political Money

33:03 Structured Notes

37:38 Are We Doing NFTs Again?

40:37 Why Josh Is Skipping AI IPOs He Doesn't Understand

43:00 Funny Money

43:12 The Guy Who Asked His Date for a Venmo Refund

44:53 The Woman Who Saved $15K in Groceries by Going on Dates

46:22 Victoria's Secret's 48% Stock Surge From a Ticker Change

49:00 The $80K AI Deepfake Soap Opera Scam

51:39 Have Taxes Ever Made You Cry?

55:31 Trump's Face on a $250 Bill

59:23 Josh Johnson's Tip You Can Take Straight to the Bank

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Inflation just hit 3.8%, the highest it's been since 2023. That means that $100 you had in January? It's worth about $96.30 today.

So today, Nicole breaks down three tools that protect your money when inflation runs hot: I bonds, TIPS, and gold. She explains exactly how each one works, who each is best for, and the critical differences between them — including why gold didn't spike during the pandemic inflation surge the way everyone expected, and why right now might actually be different.

Plus, Nicole shares a little-known strategy called the "gift box" method that lets couples legally stack up to $40,000 in I bond purchases in a single calendar year.

Here is a Money Rehab episode about how to invest in gold

Check out Nicole's financial literacy course ⁠The Money School⁠ Find a Financial Advisor or Financial Coach from Nicole's company ⁠Private Wealth Collective⁠ Watch video clips from the pod on ⁠Money Rehab's Instagram⁠ and ⁠Nicole Lapin's Instagram⁠

Here's what Nicole covers today: 

00:00 Are You Ready for Some Money Rehab? 

00:18 Inflation Is Back — And We're All Feeling It 

01:33 What's Driving the Surge (It's Not Just Gas) 

02:30 What 3.8% Inflation Actually Does to Your Dollars 

02:56 I Bonds: The Inflation-Fighting Investment Nicole Loves 

04:34 I Bonds

05:06 TIPS 

08:04 Gold: Flight to Safety or Inflation Hedge? 

10:00 Why Gold Thrives When the Economy Is a Dumpster Fire 

11:40 Tip You Can Take Straight to the Bank: The Gift Box Strategy

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Nicole is joined by journalist and podcast host Nayeema Raza, host of Smart Girl Dumb Questions, for a crossover episode!

This is a shame-free conversation about the money questions we’re all holding in, starting with perhaps the most loaded one of all: should you buy a home?

Nicole breaks down the 5% rule for renting vs. buying, why she personally chose not to buy, and how to strip the emotion out of a decision that's usually anything but. She also answers common questions about debt, HSAs, growing generational wealth and more. Plus, Nayeema and Nicole talk about which expenses are worth going into debt for, and what Mark Cuban told Nayeema about how money can make you feel poorer the wealthier you become.

Listen to Nayeema's podcast Smart Girl, Dumb Questions

Check out Nicole's financial literacy course The Money School

Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective

Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram

Here's what Nicole covers with Nayeema: 

00:00 Are You Ready for Some Money Rehab? 

01:17 Nicole's Controversial Take on Homeownership 

04:44 The 5% Rule: Rent vs. Buy Math 

08:37 Why Nicole Chose to Rent (And Invest the Difference) 

12:30 How the LA Fires Changed Nicole's Relationship to Home 

17:00 Not All Debt Is Created Equal: Good Debt vs. Bad Debt 

20:02 What Rich People Know About Leverage 

24:03 How Nicole Got Into (and Out of) Credit Card Debt 

25:51 Avalanche vs. Snowball: Which Debt Payoff Method Wins? 

28:09 The Shame Cycle Keeping People Stuck in Debt 

29:18 The Debt Game: What’s Worth It? 

34:35 Investing in Your 20s: Nicole's Biggest Regret 

36:27 Nicole's Daughter's Investment Portfolio 

37:15 HSAs, 401(k)s, and Where to Put Your Money First 

38:39 How Do You Know If You're Rich? 

41:26 Mark Cuban on How Money Can Make You Feel Poorer 

42:34 Nicole's "Dumb" Question 

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

The Federal Reserve hasn't been this dramatic in decades. Today, Nicole breaks down everything you need to know about the Fed and exactly what it means for your wallet.

Nicole explains how the federal funds rate actually works, why it doesn't directly set your mortgage rate (but still absolutely affects it), and which accounts move immediately when the Fed acts. She unpacks the Fed's dual mandate, and shares her prediction for what Kevin Warsh will do.

Check out Nicole's financial literacy course The Money School
Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective
Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram
Open a high yield savings account with SoFi at sofi.com/mnn

Here's what Nicole covers today:
00:00 Are You Ready for Some Money Rehab?
00:15 Why the Fed Is Bringing the Drama Right Now
00:57 What the Federal Funds Rate Actually Is
01:33 How Banks Borrow From Each Other Overnight
02:01 How the Fed Rate Affects You (And What It Doesn't)
02:21 High Yield Savings Accounts and the Fed
02:39 The Fed's Dual Mandate: Inflation vs. Unemployment
03:36 Where Inflation Stands Right Now
04:04 Inside the FOMC: How Rate Decisions Are Made
04:19 Meet the New Fed Chair: Kevin Warsh
04:49 Hawks vs. Doves Explained
05:08 Trump vs. The Fed: The Political Pressure
05:14 Austan Goolsbee Takes Us Inside the Room
07:30 Internal Dissent at the Fed: Not Seen in 30 Years
07:57 What to Expect from Markets on June 17th
08:53 Nicole's Prediction: Will Warsh Cut or Hold?
09:29 Tip You Can Take Straight to the Bank: High Yield Savings

All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.