She's Talkin' Money
You make good money. You save. You contribute to retirement. On paper, you are doing well. So why do you still feel unsure whether you are making the right decisions with your money? She’s Talkin’ Money is the personal finance podcast for women who have outgrown basic budgeting advice and want more clarity about what comes next. Hosted by financial planner and money expert Shari Rash, the show helps you understand how to put your money to work through smarter investing, retirement planning, saving, tax strategy, and intentional spending. You will also hear honest conversations about the emotional side of m...
10
Why Do I Make Good Money but Still Feel Broke?
<p>You can make good money and still feel like you’re constantly playing catch-up.</p> <p>Maybe you’re checking your account before you swipe your card, moving money around between accounts, or hitting a savings goal one month only to pull money back out the next because something came up.</p> <p>That doesn’t automatically mean you need a stricter budget or that you’re spending too much. It may mean your cash flow is working against you.</p> <p>In this episode of She’s Talkin’ Money, I’m breaking down what cash flow actually is, why it matters...
Am I Managing My Money Wrong? - Make it Make Cents Listener Questions!
<p>You can have $100,000 sitting in savings and be terrified to invest it. You can make $200,000 a year and still feel trapped by your paycheck. And you can have $1 million saved for retirement and wonder whether you really need to keep saving so much.</p> <p>In this episode of She’s Talkin’ Money, we’re doing something a little different: a full episode of Make It Make Cents, where I answer the real money questions women are asking when they’re doing well financially but still aren’t sure what to do next.</p> <p>First, we’re talking about what t...
Who Gets My Money If I Don’t Have a Will?
<p>If you died tomorrow without a will, who would actually inherit your money?</p> <p>You might be surprised to learn that having a will isn't always what determines who receives your assets. In fact, the beneficiary designations you completed years ago could matter more than you realize.</p> <p>In this episode of She’s Talkin’ Money, Shari Rash explains what happens to your money when you die without a will, how beneficiary designations work, and why the way your accounts are set up can make a significant difference for the people you leave behind.</p> <p>Using the...
Could a Roth Conversion Actually Cost Me More Money?
<p>Could a Roth Conversion Actually Cost You More Money?</p> <p>Roth conversions are often presented as an obvious tax-saving strategy. Pay taxes now, move money into a Roth IRA, and potentially enjoy tax-free withdrawals in retirement. Sounds like a pretty good deal, right? But what if converting your money actually leaves you worse off financially?</p> <p>In this episode of She's Talkin' Money, financial planner Shari Rash breaks down the real cost of a Roth conversion and why the money you use to pay the tax bill matters just as much as the conversion itself. You'll learn...
What Insurance Do I Actually Need If I’m Single?
<p>If you’re single, your insurance needs look different than someone whose household has two incomes.</p> <p>And if you’re the only person bringing in a paycheck, protecting that income may matter a whole lot more than you realize.</p> <p>In this episode of She’s Talkin’ Money, I’m walking through the insurance benefits you probably selected during open enrollment years ago — and helping you figure out what you actually have, what you may need more of, and what you might be paying for without really understanding why.</p> <p>We start with disability insurance, because for...
Is Saving $1 million Enough to Retire?
<p>Is $1 million enough to retire?</p> <p>It’s the kind of question everyone wants a simple answer to. Hit $1 million and you’re good. Fall short and you’re behind.</p> <p>Except retirement does not work that way.</p> <p>In this episode of She’s Talkin’ Money, I’m breaking down the factors that actually determine whether $1 million is enough for you — including when you want to retire, how much you expect to spend, where your money is invested, what other income you’ll have, and what “retirement” even means in your life.</p> <p>Because retiring at 55 with...
Should I Pay Off My Mortgage or Invest?
<p>You have extra money. Should you put it toward your mortgage or invest it?</p> <p>The answer is very different if your mortgage rate is 3% versus 7%.</p> <p>In this episode of She’s Talkin’ Money, I’m breaking down how I actually think through this decision with clients — because “always pay off your mortgage” and “never pay it off because you can make more in the market” are both examples of generic financial advice that leave out the most important part: your actual financial situation.</p> <p>We’re talking about how your mortgage rate changes the conversation, why...
Am I Financially Ready to Change Careers?
<p>You make good money. You’ve built a career. You may have strong benefits, a title you worked hard for, and a life that looks successful on paper.</p> <p>But you’re tired.</p> <p>And maybe you keep thinking: I cannot do this for another 20 years.</p> <p>Then comes the next thought: But I can’t leave. I make too much money.</p> <p>In this episode of She’s Talkin’ Money, I’m breaking down what it actually takes to make a career change in your 40s without blowing up your financial life — and why changing caree...
How Much Should I Have Saved by 40?
<p>How much should you have saved by 40?</p> <p>It’s one of those money questions that practically begs for a simple answer. Three times your salary. Check the box. Move on.</p> <p>Except your financial life does not work that way.</p> <p>In this episode of She’s Talkin’ Money, I’m breaking down why common age-based savings benchmarks can be useful as a starting point — but completely misleading when they’re treated like a verdict on whether you’re doing well or falling behind.</p> <p>Because someone who earned $75,000 for most of her career and just start...
Should I max out my 401(k)?
<p>Should you max out your 401(k)? If you’re making good money, already saving consistently, and have extra cash flow, it can feel like the obvious next step.</p> <p>But maxing out your 401(k) is not automatically the best financial decision — especially if most of your money is tied up in retirement accounts and you want more flexibility before age 65.</p> <p>In this episode of She’s Talkin’ Money, I’m breaking down how I actually think through this question with clients. We’ll talk about when employer matching matters, where Roth accounts fit in, why liquidity deserves mor...
