In this episode, Emily presents first-person stories from grad students who bought homes during grad school. The volunteers were simply asked to share their stories of home ownership, whatever they may be. You'll hear from three volunteers throughout this episode, both on how they purchased their homes but also what's happened since then, the benefits and the challenges. Perhaps you'll be inspired to pursue home ownership yourself sooner rather than later. The final person included in this episode is a mortgage originator specializing in early-career PhDs, who summarizes why graduate students and anyone paid by fellowship have a difficult time securing a mortgage and his system for framing them as qualified borrowers.

In this episode, Emily presents first-person stories from grad students who side hustle. The volunteers were asked this set of questions: What is your motivation for having a side hustle? What is your side hustle? What are its benefits and detriments? How much do you earn through your side hustle? If someone listening wants to pursue this side hustle, how would you recommend they get started? You'll hear from eight volunteers in total throughout this episode, and perhaps be inspired to start or expand your own side hustle.

In this episode, Emily interviews Ariel Floro, a second-year PhD student at the Buck Institute for Research on Aging in northern California. Ariel details her budget, from the mechanics of her system to the emotional benefits she experiences. Ariel started budgeting after finishing her bachelor's while she worked as a research associate, and she was able to adapt that system to still work for her with a lower income in a higher cost of living area. Ariel explains why she believes budgeting is an essential activity for every graduate student.

In this episode, Emily interviews Shelly Gaynor, a fifth-year PhD candidate in botany at the University of Florida. After learning of the possibility of a stipend decrease in her department last year, Shelly dedicated herself to raising the stipend in her department at UF. She and a partner even launched an app to collect stipend information from other biology departments around the US. Shelly shares everything she's learned about the factors that influence how stipends are set and her advice for other stipend advocates. The interview concludes with a round-up of all the stipend and benefits advances Shelly has witnessed in her department, through her union's negotiations, and at other institutions.

In this episode, Emily interviews Michael Spano, a fifth-year PhD student in chemistry at the University of California, Irvine. After seeing his stipend offer from UCI and securing university-subsidized housing, Michael resolved to save and invest as much money as he possibly could throughout grad school. Michael shares his financial philosophy of keeping recurring expenses low, splurging only on high-value experiences, and finding joy and fulfillment in inexpensive activities. Over the course of graduate school, Michael saved up approximately $60,000 in cash, which he has spent—listen through the end of the episode to find out on what. His post-graduation plans include a year-long sabbatical and pursuing financial independence.

In this episode, Emily interviews Georga-Kay Whyte, a first-year graduate student in history at Brown. Georga-Kay is a first-generation college student from Jamaica who grew up with financial insecurity, which spurred her to set a high bar for the financial support she expected from her graduate program. Georga-Kay was just as forward-thinking as she evaluated her housing and transportation options for her first year at Brown to set them at a reasonable level for her stipend. However, once she started living the grad student life, she realized she was overspending, especially on groceries and Amazon. She shares how she worked through her financial anxiety to confront her spending and start to budget. Finally, Georga-Kay details her financial goals for her 20% savings rate going forward. This episode is a must-listen for anyone with an upcoming career transition or move, especially if it's your first!

In this episode, Emily interviews Meagan McGuire, a Certified Student Loan Professional and consultant with Student Loan Planner. Meagan goes over all the pertinent terms of the upcoming modified REPAYE plan, which is expected to join the other options for income-driven repayment plans in 2023. The relatively more generous terms of the modified REPAYE plan, such as the revised payment calculation and the interest subsidy, make it an attractive option not only for borrowers already in repayment but also for those currently eligible for deferment. That's right! If you are a grad student, don't default into deferring your student loans after the administrative forbearance ends! Instead, consider whether it's worthwhile to enter repayment under modified REPAYE. You could potentially avoid all of the interest that would have accrued on your unsubsidized loans during grad school and/or reduce the number of years you have to pay on your loans post-PhD—all for free or a low cost. If you hold any federal student loans, do not skip this episode!

In this episode, Emily interviews Dr. Rasheda Weaver, the founder of the Weaver Social Enterprise Directory. Rasheda studied and taught social entrepreneurship as a graduate student and faculty member and along the way launched her own social enterprise out of her research and work with social entrepreneurs. As her business grew, she felt pulled toward full-time entrepreneurship and eventually left her faculty position. Rasheda and Emily discuss the financial steps that Rasheda took while still in her full-time job to give herself runway when she went full-time in her business, including opportunities uniquely available inside academia. Rasheda describes her weekly schedule in detail and how much time and money she allows herself to invest in physical and mental health and her growing business. If you are passionate about a social cause, don't miss this interview—even if you're not currently pursuing or planning to pursue entrepreneurship!

In this episode, Emily interviews Lexi Jones, a 4th-year PhD student in the Massachusetts Institute of Technology - Woods Hole Oceanographic Institution Joint Program in Oceanography/Applied Ocean Science and Engineering. Prior to Lexi entering graduate school in summer 2019, she resolved to pay down her undergraduate student loan debt first and foremost. However, the confluence of learning more about personal finance, the passage of the Graduate Student Savings Act, and the student loan interest and payment pause starting in March 2020 caused her to adjust her strategy. Instead of paying down her student loans, Lexi has maxed out her IRA for the last few years, built a 4-month emergency fund, paid back debt to her parents, and started saving for a wedding. Lexi and Emily also discuss how Lexi is dealing with the frequent student loan policy changes announced through fall 2022.

In this episode, Emily interviews Brittany Trinh, a PhD student in chemistry at the University of Wisconsin-Madison. Brittany originally applied to grad school in fall 2018, but she elected to defer her acceptance for two years in favor of taking a job. Brittany shares how she developed her finances, side business, and professional life in the 2.5 years she worked prior to matriculating. She started graduate school in fall 2021 in a much stronger financial position—and more confident in herself—than she would have in fall 2019, even though it was a bit of a rough transition. At the end of the interview, Brittany explains for whom deferment of grad school acceptance is a good option.