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The Money School episodes
- WTF is Going on in the Bond Market?!
The Money School: The Complete Financial Education You Were Never Given
My comprehensive book yet, the financial curriculum that should have been taught in school but never was. From your first paycheck to investing, buying a home, building wealth, and planning your legacy, The Money School is the full course in plain English.
Go check it out: https://nicolelapin.com/money-school-bookI'm going to sound an alarm today about the least sexy topic in finance: the bond market. Stick with me, because this one lands directly in your wallet. Over the past few weeks, investors have been dumping U.S. government bonds, and the 10-year Treasury yield just hit its highest level in years. That one number is quietly driving up your mortgage rate, your car loan, and your credit card, whether you ever buy a bond or not.I break down what a bond actually is (spoiler: it's just an IOU), the biggest myth I hear constantly about the Fed and your mortgage rate, and the real reasons investors are suddenly nervous about lending Uncle Sam money.
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MORE FROM NICOLE LAPIN🎥 Youtube: https://www.youtube.com/@MoneyRehabPodcast
📸 Instagram: https://www.instagram.com/moneyrehab/
📽️ TikTok: https://www.tiktok.com/@nicolelapin
🌐 Nicole's website: https://nicolelapin.com
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28 min - Inflation Is at 3.8%. Are Are Three Ways to Make Your Money Fight Back.
Inflation just hit 3.8%, the highest it's been since 2023. That means that $100 you had in January? It's worth about $96.30 today.
So today, Nicole breaks down three tools that protect your money when inflation runs hot: I bonds, TIPS, and gold. She explains exactly how each one works, who each is best for, and the critical differences between them — including why gold didn't spike during the pandemic inflation surge the way everyone expected, and why right now might actually be different.
Plus, Nicole shares a little-known strategy called the "gift box" method that lets couples legally stack up to $40,000 in I bond purchases in a single calendar year.
Here is a Money Rehab episode about how to invest in gold
Check out Nicole's financial literacy course The Money School Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram
Here's what Nicole covers today:
00:00 Are You Ready for Some Money Rehab?
00:18 Inflation Is Back — And We're All Feeling It
01:33 What's Driving the Surge (It's Not Just Gas)
02:30 What 3.8% Inflation Actually Does to Your Dollars
02:56 I Bonds: The Inflation-Fighting Investment Nicole Loves
04:34 I Bonds
05:06 TIPS
08:04 Gold: Flight to Safety or Inflation Hedge?
10:00 Why Gold Thrives When the Economy Is a Dumpster Fire
11:40 Tip You Can Take Straight to the Bank: The Gift Box Strategy
All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.
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15 min - How the Rich Pass Down Tax-Free Wealth
You've probably heard the saying "the rich get richer." And you know what? It is true - because the rich know how to pass on wealth tax free. Today, Nicole shares three ways the 1% pass on generational wealth, and how you can too!
This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.
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16 min - What to Do Before Your Student Loan Payment Jumps to $900
If you've been parked in SAVE plan limbo for the last two years, the waiting is over, and the letter that starts your 90-day clock is either already in your inbox or on its way. Today, Nicole breaks down what happened to SAVE, why doing nothing could send your payment from $0 to $900 overnight, and exactly what to do before that clock runs out.
Nicole walks through RAP, the new Repayment Assistance Plan replacing SAVE, how it calculates your payment off your income, and the upside most people miss: your balance can't grow even if your payment doesn't cover the interest. She also covers why studentaid.gov is about to get slammed, whether you should let the government pull your income data from the IRS, and how to avoid accidentally landing in a plan that doesn't count toward forgiveness.
Then, Nicole flags two things you don't want to miss: a quadrupled autopay discount worth locking in before September 30th, and a little-known Secure 2.0 rule that lets your employer match your student loan payments straight into your 401(k). If you're already in default, she also breaks down what's coming this fall as wage garnishment turns back on, and the two ways out. Finally, today's tip you can take straight to the bank: a tax-filing move married borrowers should run the numbers on before their next RAP payment is calculated.
Start investing investing at SoFi.com/MNN
Check out Nicole's financial literacy course The Money School
Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective
Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram
Here's what Nicole covers today:
00:00 Are You Ready for Some Money Rehab?
00:16 SAVE Is Officially Dead
01:29 What Happens If You Do Nothing
02:12 Check Your Real Balance (Interest Never Stopped)
02:37 Meet RAP: The New Repayment Assistance Plan
03:24 Get Ahead of the Studentaid.gov Stampede
04:40 The 401(k) Match You Didn't Know You Had
05:21 If You're in Default: What's Coming This Fall
06:35 Tip You Can Take Straight to the Bank
This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor or tax professional before making any financial decisions.
Learn more about your ad choices. Visit megaphone.fm/adchoices
10 min - "Can I Turn My Hobby Intro a Jobby? Help!"
Nicole gives you three steps to take your woodworking/travel blog/macrame empire from part-time to big-time.
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11 min - Get Friends to Pay You Back: Listen and Learn
Brave the awkwardness and get your money back - Nicole shows you firsthand how to ask a friend to return a loan (and keep the friendship intact).
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13 min - Pat Flynn on Profiting from Pokémon, Raising Financially Savvy Kids and Lean Learning
You probably know Pat Flynn from Smart Passive Income, the platform he created to help entrepreneurs win— but today, you'll meet a new side of him. Nicole dives into Pat’s fascinating business venture in the world of Pokémon cards and unpacks how his new book Lean Learning offers a powerful, stress-free strategy for tackling your goals. Plus, he breaks down how this framework can be a game-changer for teaching your kids financial literacy. From rare collectibles to real-world money wins, this convo will give you a fresh new way to think about making— and hitting— your financial goals.
Check out Pat's latest book Learn Learning
Discover Pat's Pokemon world
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48 min - Misunderstanding These Financial Terms Can Hurt You with Joe Saul-Sehy
As you know Money Rehab is a no-jargon zone. But the fact is, some financial jargon makes bad money moves sound like good ones (overdraft protection, anyone)? Today, Nicole demystifies these terms with Joe Saul-Sehy, host of The Stacking Benjamins Show.
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16 min - The ROI on Grad School
Ugh. You’re in a work lull. A rut. And you think the best way to get out of said rut is to go back to school. Sounds familiar, right? Want a financial expert’s opinion? Nicole’s got you covered!
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10 min - 5 New Tips for Back to School Shopping
Forget the old, tired back to school shopping hacks you hear every year— today, Nicole is sharing five tips that will change the way you shop this season.
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12 min
About The Money School
From the publisher's feed
The Money School is your one-stop-feed for all of the most foundational episodes of the award-winning financial advice podcast Money Rehab hosted by New York Times Bestselling author Nicole Lapin.