Life Kit: Money

Don't get caught in a cycle of unnecessary overdraft fees, credit card interest and high-cost loans. A few simple tools can help you hold onto those hard-earned dollars.

Here's what to remember:
- Automation is your friend. Set your bills on autopay.
- Overdraft protection is deceptive. Link your checking account to a savings account to avoid overdraft fees.
- Set up a buffer savings account with automatic deposits.
- Don't use credit cards for emergency spending.
- If you do have an emergency, try asking your employer for your already-earned wages.
- Balance transfer checks can help with high-interest debt, but read the fine print.

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To many, it's a dreaded task: making a budget to keep track of money. Guess what? You can do it, and we show you some tools that can help — maybe even make it fun. The founder of the popular budgeting software You Need A Budget tells us how to track your spending.

Here's what to remember:
- Don't budget just because you should: Set a goal.
- Leverage anxiety from a life change and turn it into motivation.
- Follow the 50-30-20 method.
- Use the power of scarcity.
- A roommate is worth 1,000 coffees.
- Find the budgeting technique that works for you. Here's a worksheet to get you started: https://bit.ly/2umlqex.

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We help you understand whether you need an adviser, and if you do want one, how to find someone who will act in your best interest.

Here's what to remember:
- Many people don't need to pay for financial advice.
- Use a "fee-only" adviser, not a "fee-based" adviser.
- Consider low-cost options like robo-advisers or Vanguard.
- You might need to break up with your adviser — but you can still be friends.
- Two online resources can help you find an adviser: NAPFA and Kent on Money.

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Investing doesn't have to be hard. We explain how to grow a nice nest egg and avoid that four-letter word that starts with F ... fees.

Here's what to remember:
- Don't pick your own stocks.
- Don't sell stocks if the market crashes.
- Diversify your portfolio.
- Don't pay too much in fees.
- Invest in index funds, not actively managed funds.
- Rebalance your portfolio every year — then leave it alone.

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If you're not good at saving money, it's not your fault: Humans are hard-wired to focus on the present. But there's a way to beat evolution and build for your future.

Here's what to remember:
- Make savings automatic.
- Save, even if you have student loans.
- Participate in your employer's matching plan.
- Reward yourself for saving.
- Envision your future self.
- Start saving young.


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Who should get to keep secrets, and who should demand to know them? In this hour, TED speakers talk about the damage secrets can do, and the shifting roles we play when we keep, or share them. In a special updated interview, Global Witness co-founder Charmian Gooch explains how secrecy and corruption have changed in the five years since she gave her TED talk. Other guests from the original 2015 episode include PostSecret founder Frank Warren, equality advocate Ash Beckham, and journalist Glenn Greenwald.

Original broadcast date: July 29, 2016. Failure can be devastating, but it can also make us stronger and smarter. This week, TED speakers explore how failure clears the way for success, in our everyday work, and our innermost lives. Guests include entrepreneur Astro Teller, economist Tim Harford, author Casey Gerald, and writer Lidia Yuknavitch.

What does it take to change the world for the better? This hour, TED speakers explore ideas on activism—what motivates it, why it matters, and how each of us can make a difference. Guests include civil rights activist Ruby Sales, labor leader and civil rights activist Dolores Huerta, author Jeremy Heimans, "craftivist" Sarah Corbett, and designer and futurist Angela Oguntala.

Original broadcast date: March 4, 2016. What makes an idea, a brand, or a behavior catch fire? This hour, TED speakers explore the mysteries behind the many things we spread: laughter and sadness, imagination, viruses and viral ideas. Guests include neuroscientist Sophie Scott, entrepreneur Seth Godin, philanthropist Bill Gates, social scientist Nicholas Christakis, and historian Yuval Harari.

Racism isn't always obvious, but it can be found almost everywhere. This hour, TED speakers explore the effects of everyday and systemic racism in America—and how we can work to defeat it. Guests include authors Brittney Cooper and Monique Morris, journalism professor Pat Ferrucci, clinical psychologist Howard Stevenson, and anti-racism educator Travis Jones.