Money Rehab with Nicole Lapin

Fifteen colleges now cost more than $100,000 a year. A year ago, only two did. Before you panic, here’s the secret the schools don’t want you to know: very few students actually pay that number.

Today I break down the difference between a college’s sticker price and what families really pay, the free-tuition programs most people don’t know exist, and the group of families getting squeezed the hardest by the financial aid formula.

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MORE FROM NICOLE LAPIN:

🎥 Youtube: / @moneyrehabshow

📸 Instagram: / moneyrehab

📽️ TikTok: / nicolelapin

🌐 Nicole's website: https://nicolelapin.com

OTHER THINGS WE DO:

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices

The Money School: The Complete Financial Education You Were Never Given

Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English.

Go check it out: https://nicolelapin.com/money-school-book

63% percent of Americans say they’re living paycheck to paycheck. Among households that make $100-250k, 41% of them are saying the same thing. So we’re here to ask, do they have a money problem?

My guest today is a best selling author who has helped over 250,000 people set a path towards a debt-free life. In 2021, Anthony O'Neal left the Dave Ramsey financial advice powerhouse to build his own platform. And his new book, Stop Living Paycheck to Paycheck — there it is again.

Today, he tells me

Why more money won't fix your finances if you don’t have an actual plan for it

Why you should build a buffer before you touch a single dollar of debt

The Debt Snowball Method, and why he says it's about momentum, not math

Why he now calls a credit score a tool, not a trap, and how that went over with his audience

Why people don’t have a money problem, they have a clarity problem

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MORE FROM NICOLE LAPIN:

🎥 Youtube: / @moneyrehabshow

📸 Instagram: / moneyrehab

📽️ TikTok: / nicolelapin

🌐 Nicole's website: https://nicolelapin.com

OTHER THINGS WE DO:

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com

Chapters
0:00 Money mindset and philosophy
1:30 Addressing past controversies
4:06 The debate on small indulgences
7:27 Avoiding the cycle of deprivation
10:39 Defining personal wealth
13:21 Lessons from past mistakes
15:44 Evolving financial strategies
20:32 Empathy in financial guidance
23:44 Accountability and personal growth
26:57 Setting and sticking to goals
30:17 Planning for future freedom
34:09 Credit scores as a financial tool
39:26 The role of debt and leverage
41:46 The psychology of debt repayment
47:33 The state of online financial advice
52:29 Bull or bear lightning round
58:02 Closing tips on wealth building
Learn more about your ad choices. Visit megaphone.fm/adchoices

The Money School: The Complete Financial Education You Were Never Given

Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English.

Go check it out: https://nicolelapin.com/money-school-book

Four times a year, the biggest companies in America have to show you their report card, and it gets dramatic. If you’ve ever watched a stock you own swing 15% in a single day and had no idea why, this one is for you.

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MORE FROM NICOLE LAPIN:

🎥 Youtube: / @moneyrehabshow

📸 Instagram: / moneyrehab

📽️ TikTok: / nicolelapin

🌐 Nicole's website: https://nicolelapin.com

OTHER THINGS WE DO:

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices

The Money School: The Complete Financial Education You Were Never Given

Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English.

Go check it out: https://nicolelapin.com/money-school-book

Mike Novogratz has made a fortune, lost a fortune, and made it back. Goldman Sachs partner, hedge fund billionaire, then the loudest bull in crypto.

Today, he tells me what he'd do with a thousand dollars right now…

What number actually makes you rich…

And whether a first-time investor should own any crypto at all…

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MORE FROM NICOLE LAPIN:

🎥 Youtube: / @moneyrehabshow

📸 Instagram: / moneyrehab

📽️ TikTok: / nicolelapin

🌐 Nicole's website: https://nicolelapin.com

OTHER THINGS WE DO:

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices

The Money School: The Complete Financial Education You Were Never Given

Nicole's most comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English.

Go check it out: https://nicolelapin.com/money-school-book

Vanessa Van Edwards is THE top behavioral researcher out there — we’re talking Harvard, MIT, Stanford… and is the go-to expert for the likes of Google, Microsoft, and Amazon to call on when they need to fix their people problems. She’s here to help us be more likeable — and use those skills to seal actual deals.

She's on Money Rehab to tell us:

How to actually make the best first impression

How how to have less awkward small talk

The secret tells that someone is not feeling a conversation

And the best way to navigate work events as an introverted-extrovert…asked for a friend

Chapters

00:00 Are You Ready for Some Money Rehab?

01:44 The Two Kinds of Awkward (Which One Are You?)

03:22 Every Conversation Has a Blueprint

04:30 Why Small Talk Gets Stuck on Dead-End Facts

06:39 Turning Small Talk Into a Treasure Hunt

10:38 The Missing Ingredient in Business Success: Rapport Before the Pitch

14:44 Why Skipping Ahead Too Quickly Costs You

18:40 The TV Pitch Vanessa Bombed Over Small Talk

22:17 How Likability Gets Priced Into Your Paycheck

24:00 How to Compete With the Feed in Conversation

26:19 The Five Magic Likable Phrases

33:51 Can We Kill the Weather Talk?

36:16 How to Be a Better Listener

37:23 Level Two: Dream Storming and Goals

40:06 Why You Should Stop Talking About How Busy You Are

42:06 Should You Complain at Work?

46:03 Go-To Openers for Zoom Calls

47:21 Level Three: Self-Narratives and Money Narratives

50:08 How to Make Adult Friends (Friendship Bootcamp)

53:10 Why "Level Two" Connections Are the Most Valuable at Work

57:17 Why Conversation Is Career Insurance Against AI

58:55 Warmth vs. Competence: You Need Both

01:02:15 How to Talk to a Friend Who Owes You Money

01:04:39 First Impressions and How to Exit a Conversation Gracefully

01:09:03 Bullish or Bearish: Hugs, Handshakes, and Email Sign-Offs

01:12:06 Tip You Can Take Straight to the Bank

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MORE FROM NICOLE LAPIN

🎥 Youtube: https://www.youtube.com/@MoneyRehabPodcast

📸 Instagram: https://www.instagram.com/moneyrehab/

📽️ TikTok: https://www.tiktok.com/@nicolelapin

🌐 Nicole's website: https://nicolelapin.com

OTHER THINGS WE DO

💳 SoFi: https://SoFi.com/MNN

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices