Money Rehab with Nicole Lapin

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

Caitlin Sarian — better known to millions as "Cybersecurity Girl" — has spent her career on the inside of online safety and today she joins Money Rehab to show us exactly how the scams draining Americans' bank accounts really work. - The scam that's quietly emptying retirement accounts right now

She tells me the one word that should make you hang up the phone every single time

The safe word every family needs before the next phone call comes in

And the one way to pay that can actually get your money back…

Chapters
00:00 Are You Ready for Some Money Rehab?

01:57 The Toll Road Scam Text, Live Read

04:13 Is AI Making Scams Scarier Than Ever?

05:14 How to Spot an AI-Generated Scam Message

06:39 Fake Podcast Invites and Meta Account Takeovers

08:21 Impersonation Scams Targeting Financial Influencers

09:45 Why Banks Can't Get Your Money Back After a Zelle Scam

11:22 The Wrong Phone Number Scam Hiding in Google's AI Summary

14:39 The AI Voice Clone Scam That Terrifies Every Parent

16:02 Setting Up a Family Safe Word

20:19 Two Red Flags: Urgency and "Don't Tell Anyone"

21:36 Why Scammers Target the Elderly and Kids

22:38 Pig Butchering Scams, Explained

27:02 Nicole and Caitlin Share Their Own Scam Stories

36:06 The $100K Invoice Scam That Hit Money News Network's Own Partner

41:11 Why You Should Never Use a Debit Card

42:10 The Fake Bank Fraud Department Call

49:39 Real or Scam? Testing Common Scam Texts

57:06 SIM Swapping and Why You Need an Authenticator App

1:00:17 Freezing Your Credit (and Your Kids' and Grandparents' Credit Too)

1:04:06 What's a Good Budget for Identity Protection Apps?

1:06:56 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

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

Bill Ackman called the 2008 financial crisis years before Wall Street did, and he built one of the most legendary trades in modern investing along the way. Today, Nicole breaks down the money lessons from her sit-down with Bill that she can't stop thinking about, and why they matter for your portfolio even if you don't run a hedge fund.

She unpacks the "durable compounder" philosophy Bill uses to find unkillable businesses, and how Warren Buffett has influenced his strategy. Then things get cautionary: Bill's blunt warning about borrowing against your stocks, the margin call math that can crush you, and his take on the one-day options trend flooding retail trading apps.

Watch Nicole's full interview with Bill Ackman: https://www.youtube.com/watch?v=9eSLJZJpOYo

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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

My latest book, The Money School: The Complete Financial Education You Were Never Given, 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

Dr. Shefali is the psychologist behind the conscious parenting movement -the idea that you can’t raise healthy kids without looking at your own crap first. And she is the author of two new books, Raising Conscious Sons and Raising Conscious Daughters, https://www.drshefali.com/raisingconscious-daughters-sons/

Today she joins money rehab to teach us how to raise healthy kids mentally and financially.

In this episode, you’ll learn

the impact the idea that “good girls don’t talk about money” is having on our daughters

the importance of how you talk about finances around your kid

and how to make sure your kids are resilient with money

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MORE FROM NICOLE LAPIN

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

📸 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

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

My 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

I'm going to sound an alarm today about the least sexy topic in finance: the bond market. Stick with me, because this one lands directly in your wallet. Over the past few weeks, investors have been dumping U.S. government bonds, and the 10-year Treasury yield just hit its highest level in years. That one number is quietly driving up your mortgage rate, your car loan, and your credit card, whether you ever buy a bond or not.

I break down what a bond actually is (spoiler: it's just an IOU), the biggest myth I hear constantly about the Fed and your mortgage rate, and the real reasons investors are suddenly nervous about lending Uncle Sam money.

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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

Brian Armstrong is the CEO and co-founder of Coinbase, the largest crypto exchange in the U.S. and the first crypto company to crack the S&P 500. He joins Nicole on the exact day Congress failed to pass the Clarity Act, a bill Coinbase has spent millions lobbying for, to break down what it actually means for anyone who owns crypto, or even just an index fund.

Brian explains why he still believes regulatory clarity for crypto is coming either way, what percentage of a portfolio he thinks should be in Bitcoin, and the real difference between how the SEC and CFTC would police your crypto investments. He also digs into the fight with big banks over stablecoin rewards, why he thinks the bank lobby are trying to kill competition, and his ongoing rivalry with Jamie Dimon.

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Start investing at https://SoFi.com/MNN

Private Wealth Collective:
Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real relationship.
https://privatewealthcollective.com

The Money School:
Nicole's $149 investing course that actually breaks down stocks, ETFs, crypto, and building a real portfolio, no jargon, no judgment, lifetime access.
https://themoneyschool.com
Learn more about your ad choices. Visit megaphone.fm/adchoices