Money Rehab with Nicole Lapin

Kate has good money habits. She's saving, she's investing, she's automated her high-yield savings account. So why does she still feel like she's behind? Today, Nicole sits down with a Money Rehab listener for a real-life financial intervention, digging into the exact questions so many 20-somethings are quietly Googling at 1am.

Kate walks Nicole through her real numbers: what she earns, what she spends, and how she's splitting money between a Roth IRA, a brokerage account, and student loan payments. Nicole breaks down the actual mechanics she never learned, like why you need cash in the account before you can buy anything, how to think about a Roth versus a brokerage account, and whether it's smart to max out one before touching the other. They also get into the emotional side of money: the guilt Kate feels every time she spends, why her financial goals always seem to move further away the more she achieves, and how giving herself a real number for guilt-free spending changes everything.

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 Kate:
00:00 Are You Ready for Some Money Rehab?
02:28 Meet Kate: Her Money Goals
03:53 From Ice Cream Shop Paychecks to a 9-5
04:39 Breaking Down Kate's Budget
05:54 The High-Yield Savings Account Strategy
07:11 Using a HYSA as a "Don't Touch This" Account
08:01 Roth vs. Brokerage: Kate's Investing Confusion
09:25 Why No One Teaches You How to Actually Buy
11:06 Roth vs. Brokerage, Explained
13:28 Should You Max Out Your Roth First?
15:09 Why Kate Sticks to Index Funds
17:15 The Tax Truth About Brokerage Accounts
20:07 What Financial Freedom Actually Means to Kate
21:19 The Guilt Spiral of Spending
22:28 Why Sticking to the Plan Is the Hard Part
22:52 How Kate's Childhood Shaped Her Money Mindset
23:52 The Moving Goalpost Problem
25:25 Building (and Sticking to) a Budget
28:30 Solving Spending Guilt With a "Fun Money" Number
29:51 Where Kate Keeps Her Savings
31:05 Kate's 5 and 10 Year Money Goals
32:36 Is Money a Never-Ending Game?
34:41 How Kate Started Investing With Just $20
36:45 Nicole's Game Plan for Kate
45:05 Tip You Can Take Straight to the Bank

Get started with a SoFi high yield savings account: SoFi.com/MNNBank

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.

He's the guy behind "Betty (Get Money)" and a fur coat two-step that took over TikTok, but before Yung Gravy was flexing platinum plaques, he was studying finance and marketing in college. Today on Money Rehab, we sit down with the rapper who lives a double life: viral hitmaker by night, options trader by day.

Gravy walks us through the trade that made him $400K, a bet on 1-800-Flowers stock at the start of COVID, built on a grim but accurate read that funeral orders were about to spike. It's the kind of call institutional investors make quietly all the time; Gravy just said the quiet part out loud, and the internet has been arguing about the ethics of it ever since.

We get into how a music-industry paycheck, unpredictable, front-loaded, gone as fast as the trend that made it, pushed him to actually learn the market instead of just spending like a rapper. What it's like sitting in a room with a finance background while everyone assumes you can't do math because you rap about money instead of manage it. Where the rap flex ends and the real portfolio begins. And whether the same instincts that write a viral hook are the same instincts that spot an undervalued stock before anyone else does.

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.

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.

Start investing investing at SoFi.com/MNN
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Selling Sunset isn't just a show about real estate, drama, and outfits... it's a show about money. Over the past few years, Nicole has had four cast members from the Selling Sunset universe on Money Rehab: Jason Oppenheim, Emma Hernan, Mary Bonnet, and Polly Brindle. Today, she's pulling out four moments from those conversations that she hasn't been able to stop thinking about.

Jason, one of the most successful real estate brokers in LA, makes a confession you'd never expect from someone who sells homes for a living: renting often beats buying, financially speaking. Mary opens up about the ex-husband who secretly ran up six figures of debt in her name, and the exact tactic she used to rebuild her credit score from scratch. Emma explains why she's turned down millions in outside investment for her company and what she thinks is broken about "Shark Tank culture." And Polly gets brutally honest about maxing out three credit cards, borrowing from friends, and the mindset shift that turned her financial life around.

Start investing investing at SoFi.com/MNN

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?

00:15 Four Money Moments From the Selling Sunset Universe

00:42 Jason Oppenheim's Take: Renting Beats Buying

04:48 Mary Bonnet's Secret Debt and Financial Abuse Story

09:07 Red Flags to Watch For Before You Share Finances

12:29 Emma Hernan on Turning Down Millions in Funding

16:47 Polly Brindle: From Maxed Credit Cards to $48M in Sales

21:46 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.

Divorce attorney James Sexton is back for part two of his conversation with Nicole; in part one, he talked about advice for couples getting married. Today, he’s giving advice for people getting divorced. Nicole and James dig into the financial habits that sabotage marriages, the creative ways people hide money before filing, and the red flags that signal a spouse might be planning an exit. Plus, James gives simple advice on what might be the most complicated part of this process: how to tell your spouse you want a divorce.

James also breaks down how alimony actually works, the best argument for keeping the house, and the negotiating tactics he uses to fight for a bigger settlement. Then things get spicy: the digital footprint mistakes blowing up divorces in real time, the unofficial "a-hole tax" judges impose on bad behavior in court, and the wild story of a $20 million divorce that almost collapsed over a toaster oven.

Check out Part 1 of Nicole's conversation with James Sexton

Start investing investing at SoFi.com/MNN

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 James’ work and check out his latest book

Here's what Nicole covers with James:

00:00 Are You Ready for Some Money Rehab?

02:31 The Financial Habit That Complicates Every Divorce

05:01 How People Hide Money Before a Divorce

09:21 Red Flags Your Partner Might Be Planning a Divorce

11:35 What To Do If You're Thinking About Divorce

12:11 How Much Does a Divorce Actually Cost?

17:13 Mediation vs. Litigation: Which Should You Choose?

19:37 The Best Way To Ask For a Divorce

21:18 How Alimony Really Works

25:00 When the Woman Is the Breadwinner

28:29 Is Alimony About Money or Power?

29:58 The Best Argument for Keeping the House

32:11 Bunnie XO, Jelly Roll, and Who's Entitled to What

34:56 Lightning Round

38:03 The $20 Million Toaster Oven Story

39:14 The Most Expensive Emotion in Divorce

39:20 What To Never (and Always) Put in Writing

40:00 How Social Media Can Blow Up Your Divorce

42:54 The "A-hole Tax" Explained

45:31 James Sexton's Tip You Can Take Straight to the Bank

If you've been parked in SAVE plan limbo for the last two years, the waiting is over, and the letter that starts your 90-day clock is either already in your inbox or on its way. Today, Nicole breaks down what happened to SAVE, why doing nothing could send your payment from $0 to $900 overnight, and exactly what to do before that clock runs out.

Nicole walks through RAP, the new Repayment Assistance Plan replacing SAVE, how it calculates your payment off your income, and the upside most people miss: your balance can't grow even if your payment doesn't cover the interest. She also covers why studentaid.gov is about to get slammed, whether you should let the government pull your income data from the IRS, and how to avoid accidentally landing in a plan that doesn't count toward forgiveness.

Then, Nicole flags two things you don't want to miss: a quadrupled autopay discount worth locking in before September 30th, and a little-known Secure 2.0 rule that lets your employer match your student loan payments straight into your 401(k). If you're already in default, she also breaks down what's coming this fall as wage garnishment turns back on, and the two ways out. Finally, today's tip you can take straight to the bank: a tax-filing move married borrowers should run the numbers on before their next RAP payment is calculated.

Start investing investing at SoFi.com/MNN

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?

00:16 SAVE Is Officially Dead

01:29 What Happens If You Do Nothing

02:12 Check Your Real Balance (Interest Never Stopped)

02:37 Meet RAP: The New Repayment Assistance Plan

03:24 Get Ahead of the Studentaid.gov Stampede

04:40 The 401(k) Match You Didn't Know You Had

05:21 If You're in Default: What's Coming This Fall

06:35 Tip You Can Take Straight to the Bank

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 or tax professional before making any financial decisions.