What if the biggest threat to your career… isn’t losing your job—but becoming irrelevant before you even get one?

Right now, we’re watching something seismic unfold in the workforce. College grads are struggling to land entry-level roles. Companies are hiring more cautiously—or not at all. And quietly, in the background, AI is beginning to reshape not just which jobs exist… but whether entire career paths survive.

In fact, a recent survey of 5,000 unemployed Americans found that only 15% would choose a four-year college again knowing what they know now.

That’s not just a statistic. That’s a warning.

Today, we’re bringing on someone who is not just observing this shift—but actively building solutions inside it. Chieh Huang, serial entrepreneur and co-founder of Pelgo, is working at the front lines of what he calls the “intersection” of AI and the job market—helping workers reskill, reposition, and stay in the game.

In this conversation, we unpack:

• Why entry-level jobs are quietly disappearing
• The surprising roles AI is actually creating
• What employers are really thinking right now about hiring
• Why your ability to learn quickly may matter more than your degree
• And how to use AI—not avoid it—to stay competitive

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In this Ask Farnoosh Friday, we’re tackling one of the biggest questions right now: how do you stay financially steady when everything feels uncertain?

Joining me is returning guest and trusted voice in personal finance, Georgia Lee Hussey, CFP and founder of Modernist Financial. [Grab her free financial toolkit] Together, we unpack the emotional and practical realities of this moment—from market volatility and recession fears to tax season surprises and the rapidly evolving role of AI in our careers.

We start with the money anxiety so many of you are feeling right now. What’s really driving the fear around the markets? And how do you respond without sabotaging your long-term plan? Georgia shares how she coaches clients through uncertainty—and why downturns may actually be opportunities, especially if you’re still in your earning years.

Then, we dig into tax refunds. If yours is bigger this year, Georgia explains why it may not be the “win” it seems—and how to think more intentionally about what to do with that money.

We also explore the future of work in an AI-driven world—including why skills rooted in the humanities, creativity, and critical thinking may become even more valuable, not less.

And finally, we zoom out to what matters most: how to stay grounded, make thoughtful decisions, and build financial resilience in a world that can feel anything but stable.

In this episode, we discuss:

• How to manage market anxiety and avoid emotional investing
• Why downturns can benefit long-term investors
• What your tax refund is really telling you
• The hidden costs behind recent tax policy changes
• How AI is reshaping jobs—and where new opportunities lie
• Why creativity, writing, and empathy are becoming power skills
• Smart ways to prepare financially for uncertainty

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Brooke Taylor is a former Google executive turned researcher and coach who has spent years studying a phenomenon called the success wound —interviewing more than 5,000 women to understand why so many accomplished, capable people still feel like it’s never enough.

Her new book, Healing the Success Wound: Align Your Ambition, Find Lasting Career Fulfillment, and End the Cycle of Never Enough, puts language—and solutions—to something I think so many of us have felt but couldn’t quite articulate.

In our conversation, we unpack

• What the “success wound” really is…
• Why achievement can become a stand-in for self-worth…
• The five archetypes of high achievers who struggle with fulfillment…
• And how all of this shows up not just in our careers, but in our finances, our relationships, and even how we parent.
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We also talk about Brooke’s own turning point—what she calls her “spiritual awakening breakdown”—and how it led her to rethink everything she thought she knew about work, ambition, and identity.

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What would you do if caring for a parent meant putting your own financial future—and your kids’—on hold?

That’s not a hypothetical. It’s the reality facing millions of Americans right now, including Senator Andy Kim—a father of two, a son navigating his own father’s Alzheimer’s diagnosis, and now, one of the leading voices in Washington pushing for change.

Today’s episode is a deeply personal and urgent conversation about the true cost of caregiving in America—financially, emotionally, and systemically.

This interview is also a special crossover with The Montclair Pod, my local news podcast, where I co-host alongside Michael Schreiber—who you’ll hear in this conversation as well. Together, we sat down with Senator Kim to talk not just about policy, but about what happens when aging, illness, and money collide inside your own family.

Before serving in the Senate, Andy Kim worked in national security and diplomacy, and today he represents nearly 10 million New Jersey residents. But in this conversation, what stands out most isn’t his title—it’s his story.

He opens up about his father’s battle with Alzheimer’s, the impossible trade-offs of being in the sandwich generation, and how quickly a family’s financial plan can unravel in the face of long-term care costs.

We talk about why so many families are blindsided, what Medicare does—and doesn’t—cover, why long-term care insurance is falling short, and what changes may be coming.

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In this episode, Farnoosh opens with a candid reflection on media narratives around Iranian identity and addresses a recent editing glitch from a prior interview.

From there, the conversation turns to a growing concern on many economists’ minds: Are we heading toward a recession in 2026?

With oil prices climbing past $100 per barrel and historical data linking energy shocks to economic downturns, Farnoosh breaks down what this could mean for your money—and how to prepare with what she calls a mindset of “healthy panic.”

The episode also dives deep into the rising costs of long-term care, why traditional insurance options are becoming less accessible, and what newer hybrid solutions could offer families trying to plan ahead.

Plus, a powerful excerpt from Senator Andy Kim, who shares his personal connection to elder care through his father’s Alzheimer’s diagnosis.

Finally, Farnoosh answers listener questions about:

• Supporting aging parents while still saving for your own future
• Navigating financial misalignment in relationships when one partner is giving more to family

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What would you do if your life completely spun off course…before you even had a chance to understand who you were?

My guest today, Nikki Mammano, says she didn’t set out to become a drug dealer in Hawaii—she was a teenager running from trauma, searching for a fresh start, and instead found herself pulled into a dangerous underground economy that nearly cost her everything.

In her new memoir Breaking Good, Nikki shares the raw, unfiltered story of addiction, survival, incarceration—and ultimately, rebuilding her life from nothing. We talk about how she rose through the ranks of a drug operation, why she chose loyalty over leniency when she was caught, and the moment that changed everything: discovering she was pregnant and deciding to start over.

This is a conversation about second chances, financial survival, and what it really takes to rebuild—not just your bank account, but your sense of self.

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or as long as I’ve known him — which is now more than fifteen years — he’s had the same signature look: a sharp mohawk and an even sharper perspective on money.

Today on So Money, we welcome back one of the original voices of the personal finance internet: J. Money, the longtime blogger behind Budgets Are Sexy and the founder of Budgets Are Sexy, a platform that helped shape the early personal finance blogging community. When this podcast first launched more than a decade ago, J. Money was one of my earliest guests — back when sharing your net worth online was considered radical and the idea of building a career from a blog about money was still pretty new.

In this conversation, we catch up on what’s changed — and what hasn’t. The mohawk is still there, thankfully. But J.’s life looks very different these days. He’s stepped away from blogging full-time, sold his site to The Motley Fool and later bought it back, and now spends much of his time running something called a “Free Closet,” giving away thousands of clothing items every week to people in need in his community.

We talk about the early days of the money-blogging world — when transparency about debt, savings, and net worth helped motivate an entire generation to take control of their finances. We also talk about what happens when you actually reach financial independence. Does money stop mattering? What motivates you next?

J. shares why the blogging magic eventually faded for him, how social media changed the tone of personal finance conversations, the surprising lessons he’s learned from working closely with unhoused communities, and why he believes the real power of money is simply the freedom not to think about it anymore.

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This week on Ask Farnoosh, Farnoosh kicks things off with a behind-the-scenes look at a whirlwind week in journalism and media. She shares highlights from her recent interview with Senator Cory Booker about his bold new “Keep Your Pay Act” proposal, which would eliminate federal income tax on the first $75,000 of income, and discusses what that could mean for working Americans. She also reflects on being featured in Kiplinger’s latest issue on the best financial advice experts have ever received, sharing a career lesson that shaped her own path: learning to earn money not just from what you do, but from what you know. Plus, Farnoosh announces her upcoming free webinar on March 26 about how to land a big book deal (register using the link).

Then, a quick breakdown of the latest money headlines that matter for your wallet: mortgage rates climbing back above 6% and what that means for today’s “frozen” housing market, the widening K-shaped economy separating households that are thriving from those struggling with rising costs, and early signs that the once-hot job market may be cooling—along with why now is a good time for a financial check-up.

In the mailbag, Farnoosh tackles listener questions including:

• Should high earners prioritize Roth 401(k) contributions or diversify across other retirement strategies?

• What to watch out for when a financial advisor pushes variable universal life insurance instead of traditional investing.

• Creative ways families are making childcare and daycare costs more manageable.

• How a teenager’s part-time income and assets can affect FAFSA eligibility and college financial aid.

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U.S. Senator Cory Booker of New Jersey joins us for a wide-ranging conversation recorded in one sitting for both podcasts - The Montclair Pod and So Money.

Senator Booker first rose to national prominence as the mayor of Newark, where he built a reputation for hands-on leadership and bold policy ideas. He has now served more than a decade in the U.S. Senate, becoming one of the most prominent voices in the Democratic Party.

He’s also entering a new chapter personally: Booker recently married and is expecting his first child—something that clearly shapes how he thinks about issues like childcare, family economics, and investing in America’s future.

Our conversation comes as Senator Booker unveils a new proposal called the Keep Your Pay Act—a plan that would eliminate federal income taxes on the first $75,000 of income, a move he says could dramatically increase take-home pay for many middle-class families.

In this conversation, we discuss:

• The Keep Your Pay Act and how it could affect American households

• Why Senator Booker believes the tax system is “rigged” against working families

• The rising cost of childcare and early education in America

• Immigration reform and the climate of fear many immigrant families feel today

• The growing power of big media companies and why independent creators matter

• The economic implications of the war in Iran, including rising energy costs

• Whether Booker sees a presidential run in his future

Calculate how much Booker's proposed tax act could save your household.

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If you’ve ever looked at the FIRE movement — Financial Independence, Retire Early — and thought, that sounds great… but what about kids? — today’s episode is for you.

For years, the assumption has been that FIRE works best for people without children: dual-income professionals willing to live extremely frugally in pursuit of early retirement. But what happens when you want both financial independence and a family?

My guest today, Kristy Shen and Bryce Leung are some of the pioneers of the modern FIRE movement. The couple retired in their early 30s with over a million dollars invested and inspired thousands of people to rethink the traditional path of working for decades before enjoying life.

But even after achieving financial independence, Kristy found herself confronting a new financial question: Could they afford to have a child?

In their new book, Parent Like a Millionaire, Kristy and Bryce explore what it really takes to raise a family while maintaining financial freedom. From resisting the pressure to overspend on baby gear, to rethinking housing, childcare, and education, their approach challenges many of the assumptions we’ve been taught about the cost of raising kids.

In this conversation, Kristy and Bryce share practical strategies for making your money work harder as a parent — and how thoughtful financial planning can reduce stress and create more freedom for families.

We also explore the deeper emotional layer behind financial independence. Kristy grew up in poverty, and her pursuit of FIRE was driven not just by the desire to retire early, but by the need for security and stability. What happens when someone who has worked so hard to escape financial instability decides to raise a child? Can financial independence help break cycles of generational money trauma?

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On this week’s Ask Farnoosh, Farnoosh answers listener questions about navigating complicated financial decisions — from inheriting retirement accounts to protecting yourself from tax fraud.

First, Farnoosh shares personal reflections on the unfolding war in Iran and how global conflict can ripple into markets, oil prices, and the broader economy.

Then she dives into listener questions, including:

• What happens when you inherit a 401(k) — and whether you must take distributions

• How to prioritize emergency savings vs. retirement investing when your budget can't do both

• What to do if your tax return is rejected due to potential identity theft

• Is it possible to invest too much when you're feeling cash-strapped?

Plus:

• Why more Americans are taking hardship withdrawals from retirement accounts

• Why Farnoosh is skeptical about MrBeast entering the banking world

• And a surprising pop culture reflection on Carolyn Bessette Kennedy

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