In this episode, Emily interviews Dr. Dillon Pruett, an assistant professor in the School of Communication Science and Disorders at Florida State University. This is the first part of a two-part interview in which we discuss Dillon's financial journey through his PhD and postdoc at Vanderbilt University. Dillon tried to keep his eyes on his own financial paper, but the pay disparity between himself and other graduate students and postdocs was repeatedly brought to his attention. Still, he managed to make it through without accumulating debt and even building modest assets, despite financial setbacks. Dillon's candor during this conversation is laudable, and his experiences are likely to be both relatable and a cautionary tale for prospective and early graduate students.

In this episode, Emily interviews Dr. Trevor Hedberg, an assistant professor of practice at the University of Arizona who teaches a seminar on personal finance to undergrad students based on Morgan Housel's The Psychology of Money. Trevor is a repeat podcast guest, and he shares how teaching the course has made him think differently about finances during his PhD and postdoc, including the financial opportunity cost of grad school and lifetime wealth killers.

In this episode, Emily interviews Mrunal Zambre, a 4th-year international PhD student at the University of Pittsburgh. Mrunal details her money management system, from her checking and savings accounts to credit cards, and how she and her grad student partner split expenses. She focuses on travel credit cards and the Bilt card to reduce the cost of international travel. Thanks to her stipend—recently increased to over $40k—and low fixed expenses, Mrunal maxes out her Roth IRA annually and invests in a taxable brokerage account, even though she's not sure if she'll live in the US long-term.

In this episode, Emily interviews Dr. Daren Card, a computational biochemist working in industry. Daren and his wife moved to Arlington, TX for his PhD and then Boston, MA for his postdoc, and she held K-12 teaching positions in both cities. He shares their financial journey, from managing their student loan debt through opening and funding IRAs. Daren and Emily discuss the tax-advantaged retirement account options available, such as 403(b)s, 457s, and 401(k)s, and how to spot red flags in your employer-sponsored plans.

In this episode, Emily interviews Ethan Muller, a first-year doctoral student in theology at Villanova University. Ethan and his wife purchased their first home outside of Philadelphia at the start of his six-year program. Ethan shares the details of his and his wife's financial profile, their emotional readiness to become homeowners, and their plans for the home once he finishes his program. After local mortgage lenders were unable to work with him due to his student status and 9-month stipend, Ethan connected with Sam Hogan, who knew exactly how to make the lending process much faster and easier. Ethan and Emily close the conversation by discussing which other PhD students should consider home ownership.

In this episode, Emily interviews Nashae Prout, a 5th-year PhD candidate in toxicology at the University of Rochester. Nashae's first year of graduate school on a $28,000 stipend was financially challenging, so she now maintains two side hustles. She serves as a graduate community assistant for graduate housing, an up to 10 hour per week position that gives her a 55% reduction in rent. She also adjuncts for a nearby university with the support of her PI. Between these two side hustles and her disposition toward frugality, Nashae can comfortably max out her Roth IRA and spend in areas that matter to her, experiencing financial ease. She concludes the interview with excellent advice on time management and prioritization.

In this episode, Emily interviews Dr. Jim Gould and Lauren Celano, the co-hosts of Propelling Careers, about strategies for PhD job seekers, starting with an update on the PhD job market. They discuss how PhDs can figure out the salaries of various careers and particular jobs, including where they might fall within a posted salary range, and what benefits are offered at a company. They review where job seekers can go for both free and paid assistance. Finally, both Jim and Lauren give excellent financial advice related to job transitions.

Emily published the first episode of this podcast in July 2018. This is the 246rd episode, and over the last six and a half years, the podcast has featured over 300 unique voices in addition to her own. For our last episode in 2025, we are catching up with the guests from Seasons 15 through 17, and a few from earlier seasons as well. The guests were invited to submit short audio clips to update us on how their lives and careers have evolved since the time of their interview, as well as to provide their best financial advice if that has changed since that initial interview.

In this episode, Emily interviews Dr. Connor Ferguson, a postdoc at the University at Buffalo studying how professional development and student success initiatives influence the graduate training environment. While pursuing her PhD in higher education at West Virginia University, Connor worked full-time as a student affairs professional supporting health sciences graduate students, which has given her multiple perspectives on how to support graduate students. Connor and Emily discuss the best practices that universities and programs can implement to reduce graduate student attrition and strengthen the workforce development pipeline, including how to raise stipends and provide for basic needs.

In this episode, Emily interviews Dr. Sonali Majumdar, the assistant dean for professional development in the graduate school at Princeton University. Sonali is the author of the recently published book Thriving as an International Scientist: Professional Development for Global STEM Citizens. Sonali and Emily discuss the various financial challenges that international graduate students, postdocs, and researchers face when coming to the US, including the start-up expenses and relative financial dependence on their advisor's grants. They also touch on the learning curve that international scientists experience in the areas of immigration, taxes, and investing.