HerMoney with Jean Chatzky

We're closing in on the end of 2026, and on paper, it's been an amazing year for the markets. But that doesn't change the math that so many of us are feeling in our day-to-day lives. That’s why we’re back with Tori Dunlap, founder and CEO of Her First $100K, to walk us through her top moves for building real wealth as we head into the final stretch of the year.

Jean and Tori get into what to do with cash sitting in a high-yield savings account right now, why Tori says it's now unequivocally smarter to rent than buy in most major U.S. cities, and the trap she sees so many high-earning women fall into.

In this episode:

Why Tori says to beef up your emergency fund right now, even if you're already investing

How to build a truly diversified portfolio beyond a single index fund

What a HENRY is, and why decent income can disconnect you from your money

And if you've already read The Forever Paycheck, leave a review on Amazon and send Jean a screenshot at mailbag@hermoney.com; you'll be entered to win a signed copy.
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In this AMA, Jean sits down with Anne — a 57-year-old retiree, self-taught investor, and self-described "super saver" — who's questioning whether her advisor's 60-basis-point fee (upwards of $50,000 a year) is still worth it now that she's retired, debt-free, and increasingly comfortable managing her own portfolio.

They talk:

The real difference between a pre-retirement growth plan and a post-retirement income plan

Why getting your advisor, accountant, and estate planner talking to each other matters

How to "shop around" for an advisor without necessarily planning to leave the one you have

Thanks to all of you, The Forever Paycheck hit the New York Times Best Seller list. Leave us a review on Amazon and send a screenshot to mailbag@hermoney.com⁠ to be entered to win a signed copy.
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It's no secret that Dr. Jill Biden has been through a lot. She opens her new memoir, View From The East Wing, by telling us about the heartbreak of losing her son Beau to brain cancer at the age of 46. In the wake of that loss, she and her husband almost lost their son Hunter Biden to addiction.

And more recently, she has been by former President Joe Biden's side through his diagnosis of an aggressive form of prostate cancer that has metastasized to his bones, though she says they are very optimistic about his most recent scans.

Yet in an era where "unprecedented" has been used more times than most of us can stomach, Jill Biden has stayed steady — continuing to teach as a community college English professor even through her husband's presidency, making her the only First Lady in history to hold an outside job while her husband was in office.

In this episode, Jean Chatzky sits down with Dr. Jill Biden to talk about money, independence, and resilience. They discuss:

How a first marriage that ended in financial panic shaped everything she believes about money

Why she and Joe Biden have always kept separate bank accounts, and why she thinks every woman should

Her message to women in their 50s and 60s who feel like they've missed their window

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For almost twenty years, HerMoney CEO Jean Chatzky was an annuity denier. In 2006, when her mother's financial advisor suggested putting some of her mom's money into one, Jean told him, flatly, to forget it. This week, she tells the full story of what changed her mind.

Jean walks through the research that convinced her — retirees with annuitized income spend meaningfully more than retirees with similar wealth who don't have it, in some cases twice as much — and unpacks the psychology behind why a paycheck feels safer to spend than drawing down a balance on your own.

Want a signed copy of The Forever Paycheck? Leave the book a review on Amazon, screenshot it, and email it to mailbag@hermoney.com to be entered to win.
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Gold's had a strong run in recent months, climbing toward $4,700 an ounce at one point in late August — and if you've been wondering whether it's too late to get in, or whether gold even deserves its reputation as a 'safe haven,' this episode is for you.

In a recent session of HerMoney’s InvestingFixx club, Jean sat down with Meghan Pinchuk, Chief Investment Officer and Partner at Morton Wealth, and we’re sharing it with you here as a sneak peek!

In this episode, you’ll learn:

The connection between rising government debt and gold's recent rally

The differences between physical gold, gold ETFs, and gold mining stocks

A reasonable gold allocation for most individual investors

Curious to hear more conversations like this one? Jean runs InvestingFixx, a Zoom-based investing club just for women — no experience required, and your first month is free. Check it out at InvestingFixx.com.
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