Oh My Dollar!

We share tactics to curb impulse purchases and regrettable spending. Also, we learn that Will owns every Animorphs book and is a sucker for odd citrus fruits. And learn what 18-year-old crustpunk Lily wanted to buy.

Grab your “things I want” google sheet at: http://ohmydollar.com/thingsIwant

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Lillian and Will talk about how to set non-boring money goals that won’t set you up for new year’s resolution failure. Save more money! Spend less money! Roll over that darn 401K! Implement a new system! Other things that are fun!

Check out my favorite app for budgeting, YNAB – I’ve used it for 3 years, and my biggest regret was I didn’t switch years earlier. Use this link for a 34-day free trial.

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Alicia McElhaney of the She Spends newsletter joins us to talk about one of the best ways to make more money in the new year: ASK FOR IT! We talk about tips & tricks for salary negotiation, and tell stories from our own experience with salary negotiation.

Recommended book (for all genders): Ask For It.

The Bullish Series on Negotiation.

Get Your Money Together Bootcamp is 50% off for this week only using code HALFOFF2018  – set off your new year on the right foot at bootcamp.ohmydollar.com

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Listener Eva asks how she can maximize her retirement savings and minimize her taxes as a self-employed person; Lillian talks her through SEP IRAs and Solo 401Ks (they’re nearly the same as one another but not the same as regular IRAs).  We also cover the ways that folks can pay less taxes in the new year starting at 9:08min.

New Year is the perfect time to start a new budgeting regime. Check out our new year goal setting post.

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Lauren asks how to build a realistic budget with “little wins” and Lillian asks her to figure out what her wins and necessities are. Sara asks how she deducts the cost of her health insurance as a self-employed person. Plus, what to do before the end of the year for tax preps.

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Listener health insurance questions answered: Are Health Savings Accounts an evil republican tax loophole for rich people or actually useful? How do co-pay assistance plans work? How do you work the system instead of the system working you? What do you do if you don’t know your income for the year and healthcare.gov asks you for it!?

The health insurance exchange at healthcare.gov is only open for 2018 health plans until December 15th!

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There’s so many confusing terms when you’re looking for health insurance: OOP, HMO, deductible, co-insurance, co-pays – how do you untangle them? How do you not go broke buying health insurance? Jack Hopper of Take Command Health, helps us figure it out.

Small business owner looking for advice on health insurance? Check out takecommandhealth.com for more info.

Don’t forget that December 15th is your deadline to enroll in, change, or renew your plan for 2018 at healthcare.gov

(This is the long 45 minute episode instead of the radio cut that aired 12/1/2017.)

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We answer rapid fire questions: Should Alice liquidate a 401K to avoid credit card debt? Can Charlotte use her spouse’s income on a credit card application? Can Dan move money between the US and his home country without accidental money laundering?

Reminder: December 15th is the deadline for the health care exchange to renew, change, or get a new health care plan.

If you’re interested in volunteering for the AARP’s Tax-aide program, check out information here and find a program in your area: https://www.aarp.org/money/taxes/aarp_taxaide/

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We answer listener questions about budgeting. Tamás asks how to reduce his budget when he can’t figure out what’s too high, and Sara asks how to recognize emotional spending & help curb it.

(We’re back on a Monday posting schedule, thanks for your patience.)

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Oregon is trying to start a retirement planning revolution- every single business in Oregon will be required to offer a retirement plan of some sort by 2020. Joel Metlan joins us to discuss “Oregon Saves” and the behavioral economics built into the plan. And why it might be coming to your state soon, too!  Check it out at Oregonsaves.com

(Apologies for the inconsistent episodes the past two weeks; we had some scheduling challenges but we’re back on track!)

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