Fifteen colleges now cost more than $100,000 a year. A year ago, only two did. Before you panic, here’s the secret the schools don’t want you to know: very few students actually pay that number.

Today I break down the difference between a college’s sticker price and what families really pay, the free-tuition programs most people don’t know exist, and the group of families getting squeezed the hardest by the financial aid formula.

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MORE FROM NICOLE LAPIN:

🎥 Youtube: / @moneyrehabshow

📸 Instagram: / moneyrehab

📽️ TikTok: / nicolelapin

🌐 Nicole's website: https://nicolelapin.com

OTHER THINGS WE DO:

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com

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The Money School: The Complete Financial Education You Were Never Given

Nicole's most 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-book

63% percent of Americans say they’re living paycheck to paycheck. Among households that make $100-250k, 41% of them are saying the same thing. So we’re here to ask, do they have a money problem?

My guest today is a best selling author who has helped over 250,000 people set a path towards a debt-free life. In 2021, Anthony O'Neal left the Dave Ramsey financial advice powerhouse to build his own platform. And his new book, Stop Living Paycheck to Paycheck — there it is again.

Today, he tells me

• Why more money won't fix your finances if you don’t have an actual plan for it

• Why you should build a buffer before you touch a single dollar of debt

• The Debt Snowball Method, and why he says it's about momentum, not math

• Why he now calls a credit score a tool, not a trap, and how that went over with his audience

• Why people don’t have a money problem, they have a clarity problem

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MORE FROM NICOLE LAPIN:

🎥 Youtube: / @moneyrehabshow

📸 Instagram: / moneyrehab

📽️ TikTok: / nicolelapin

🌐 Nicole's website: https://nicolelapin.com

OTHER THINGS WE DO:

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com

Chapters 0:00 Money mindset and philosophy 1:30 Addressing past controversies 4:06 The debate on small indulgences 7:27 Avoiding the cycle of deprivation 10:39 Defining personal wealth 13:21 Lessons from past mistakes 15:44 Evolving financial strategies 20:32 Empathy in financial guidance 23:44 Accountability and personal growth 26:57 Setting and sticking to goals 30:17 Planning for future freedom 34:09 Credit scores as a financial tool 39:26 The role of debt and leverage 41:46 The psychology of debt repayment 47:33 The state of online financial advice 52:29 Bull or bear lightning round 58:02 Closing tips on wealth building

Learn more about your ad choices. Visit megaphone.fm/adchoices

The Money School: The Complete Financial Education You Were Never Given

Nicole's most 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-book

Four times a year, the biggest companies in America have to show you their report card, and it gets dramatic. If you’ve ever watched a stock you own swing 15% in a single day and had no idea why, this one is for you.

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MORE FROM NICOLE LAPIN:

🎥 Youtube: / @moneyrehabshow

📸 Instagram: / moneyrehab

📽️ TikTok: / nicolelapin

🌐 Nicole's website: https://nicolelapin.com

OTHER THINGS WE DO:

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

The Money School: The Complete Financial Education You Were Never Given

Nicole's most 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-book

Mike Novogratz has made a fortune, lost a fortune, and made it back. Goldman Sachs partner, hedge fund billionaire, then the loudest bull in crypto.

Today, he tells me what he'd do with a thousand dollars right now…

What number actually makes you rich…

And whether a first-time investor should own any crypto at all…

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MORE FROM NICOLE LAPIN:

🎥 Youtube: / @moneyrehabshow

📸 Instagram: / moneyrehab

📽️ TikTok: / nicolelapin

🌐 Nicole's website: https://nicolelapin.com

OTHER THINGS WE DO:

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

The Money School: The Complete Financial Education You Were Never Given

Nicole's most 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-book

Vanessa Van Edwards is THE top behavioral researcher out there — we’re talking Harvard, MIT, Stanford… and is the go-to expert for the likes of Google, Microsoft, and Amazon to call on when they need to fix their people problems. She’s here to help us be more likeable — and use those skills to seal actual deals.

She's on Money Rehab to tell us:

• How to actually make the best first impression

• How how to have less awkward small talk

• The secret tells that someone is not feeling a conversation

• And the best way to navigate work events as an introverted-extrovert…asked for a friend

Chapters

00:00 Are You Ready for Some Money Rehab?

01:44 The Two Kinds of Awkward (Which One Are You?)

03:22 Every Conversation Has a Blueprint

04:30 Why Small Talk Gets Stuck on Dead-End Facts

06:39 Turning Small Talk Into a Treasure Hunt

10:38 The Missing Ingredient in Business Success: Rapport Before the Pitch

14:44 Why Skipping Ahead Too Quickly Costs You

18:40 The TV Pitch Vanessa Bombed Over Small Talk

22:17 How Likability Gets Priced Into Your Paycheck

24:00 How to Compete With the Feed in Conversation

26:19 The Five Magic Likable Phrases

33:51 Can We Kill the Weather Talk?

36:16 How to Be a Better Listener

37:23 Level Two: Dream Storming and Goals

40:06 Why You Should Stop Talking About How Busy You Are

42:06 Should You Complain at Work?

46:03 Go-To Openers for Zoom Calls

47:21 Level Three: Self-Narratives and Money Narratives

50:08 How to Make Adult Friends (Friendship Bootcamp)

53:10 Why "Level Two" Connections Are the Most Valuable at Work

57:17 Why Conversation Is Career Insurance Against AI

58:55 Warmth vs. Competence: You Need Both

01:02:15 How to Talk to a Friend Who Owes You Money

01:04:39 First Impressions and How to Exit a Conversation Gracefully

01:09:03 Bullish or Bearish: Hugs, Handshakes, and Email Sign-Offs

01:12:06 Tip You Can Take Straight to the Bank

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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

OTHER THINGS WE DO

💳 SoFi: https://SoFi.com/MNN

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

The Money School: The Complete Financial Education You Were Never Given

Nicole's most 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-book

Financial headlines are always going to be scary, but there's money to be made in any economy. That's my biggest takeaway from sitting down with Ray Dalio. He started investing at twelve, built Bridgewater into one of the biggest hedge funds on the planet, and made more money for his clients than any hedge fund manager alive. I don't get starstruck often, but I couldn't play it cool with this one.

Today I'm sharing the moments from our conversation that I'm still thinking about. I break down Ray's view of how money and debt really work, why he thinks the U.S. has a lot of "plaque" in its financial arteries, and what that means for the buying power in your bank account. Then I get into the investing strategy Ray is famous for, including the one asset he loves that another billionaire I had on the show said he has no opinion on.

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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

OTHER THINGS WE DO

💳 SoFi: https://SoFi.com/MNN

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

The Money School: The Complete Financial Education You Were Never Given

Nicole's most 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-book

Caitlin Sarian — better known to millions as "Cybersecurity Girl" — has spent her career on the inside of online safety and today she joins Money Rehab to show us exactly how the scams draining Americans' bank accounts really work. - The scam that's quietly emptying retirement accounts right now

• She tells me the one word that should make you hang up the phone every single time
• The safe word every family needs before the next phone call comes in
• And the one way to pay that can actually get your money back…

Chapters 00:00 Are You Ready for Some Money Rehab?

01:57 The Toll Road Scam Text, Live Read

04:13 Is AI Making Scams Scarier Than Ever?

05:14 How to Spot an AI-Generated Scam Message

06:39 Fake Podcast Invites and Meta Account Takeovers

08:21 Impersonation Scams Targeting Financial Influencers

09:45 Why Banks Can't Get Your Money Back After a Zelle Scam

11:22 The Wrong Phone Number Scam Hiding in Google's AI Summary

14:39 The AI Voice Clone Scam That Terrifies Every Parent

16:02 Setting Up a Family Safe Word

20:19 Two Red Flags: Urgency and "Don't Tell Anyone"

21:36 Why Scammers Target the Elderly and Kids

22:38 Pig Butchering Scams, Explained

27:02 Nicole and Caitlin Share Their Own Scam Stories

36:06 The $100K Invoice Scam That Hit Money News Network's Own Partner

41:11 Why You Should Never Use a Debit Card

42:10 The Fake Bank Fraud Department Call

49:39 Real or Scam? Testing Common Scam Texts

57:06 SIM Swapping and Why You Need an Authenticator App

1:00:17 Freezing Your Credit (and Your Kids' and Grandparents' Credit Too)

1:04:06 What's a Good Budget for Identity Protection Apps?

1:06:56 Tip You Can Take Straight to the Bank ----------------------- 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

OTHER THINGS WE DO

💳 SoFi: https://SoFi.com/MNN

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

The Money School: The Complete Financial Education You Were Never Given

Nicole's most 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-book

Bill Ackman called the 2008 financial crisis years before Wall Street did, and he built one of the most legendary trades in modern investing along the way. Today, Nicole breaks down the money lessons from her sit-down with Bill that she can't stop thinking about, and why they matter for your portfolio even if you don't run a hedge fund.

She unpacks the "durable compounder" philosophy Bill uses to find unkillable businesses, and how Warren Buffett has influenced his strategy. Then things get cautionary: Bill's blunt warning about borrowing against your stocks, the margin call math that can crush you, and his take on the one-day options trend flooding retail trading apps.

Watch Nicole's full interview with Bill Ackman: https://www.youtube.com/watch?v=9eSLJZJpOYo

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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

OTHER THINGS WE DO

💳 SoFi: https://SoFi.com/MNN

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

My latest book, The Money School: The Complete Financial Education You Were Never Given, 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-book

Dr. Shefali is the psychologist behind the conscious parenting movement -the idea that you can’t raise healthy kids without looking at your own crap first. And she is the author of two new books, Raising Conscious Sons and Raising Conscious Daughters, https://www.drshefali.com/raisingconscious-daughters-sons/ Today she joins money rehab to teach us how to raise healthy kids mentally and financially.

In this episode, you’ll learn

• the impact the idea that “good girls don’t talk about money” is having on our daughters

• the importance of how you talk about finances around your kid

• and how to make sure your kids are resilient with money

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MORE FROM NICOLE LAPIN

🎥 Youtube: https://www.youtube.com/@MoneyRehabShow

📸 Instagram: https://www.instagram.com/moneyrehab/

📽️ TikTok: https://www.tiktok.com/@nicolelapin

🌐 Nicole's website: https://nicolelapin.com

OTHER THINGS WE DO

💳 SoFi: https://SoFi.com/MNN

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

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-book

I'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.

----------------------- 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

OTHER THINGS WE DO

💳 SoFi: https://SoFi.com/MNN

💰 Private Wealth Collective: https://privatewealthcollective.com

🏦 The Money School: https://themoneyschool.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian Armstrong is the CEO and co-founder of Coinbase, the largest crypto exchange in the U.S. and the first crypto company to crack the S&P 500. He joins Nicole on the exact day Congress failed to pass the Clarity Act, a bill Coinbase has spent millions lobbying for, to break down what it actually means for anyone who owns crypto, or even just an index fund.

Brian explains why he still believes regulatory clarity for crypto is coming either way, what percentage of a portfolio he thinks should be in Bitcoin, and the real difference between how the SEC and CFTC would police your crypto investments. He also digs into the fight with big banks over stablecoin rewards, why he thinks the bank lobby are trying to kill competition, and his ongoing rivalry with Jamie Dimon.

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Start investing at https://SoFi.com/MNN Private Wealth Collective: Nicole's boutique wealth management practice for people who want more than a robo-advisor and less than a hedge fund minimum. Real strategy, real relationship. https://privatewealthcollective.com The Money School: Nicole's $149 investing course that actually breaks down stocks, ETFs, crypto, and building a real portfolio, no jargon, no judgment, lifetime access. https://themoneyschool.com

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