Oh My Dollar!

Lillian tackles your money overwhelm with practical, approachable financial advice (with a dash of glitter.) This is budgeting advice from someone that doesn't assume you're straight with a salary, retirement account, 2.5 kids, or a white picket fence. You'll get helpful advice for folks left out by traditional finance, you'll learn to reduce money stress and prioritize your values. Got a question for the show? Email questions@ohmydollar.com

Can they take back your unemployment check and ...
Plus two corrections
15 min
Freelancers and Gig Workers Can Get Unemploymen...
Unemployment now pays a living wage?!
24 min
How get health insurance when you lose your job...
What is the catch with this money?
26 min
How to Meal Plan
plus...the chaos of it all
22 min
Track your time to enjoy life more ft. Laura Va...
Time tracking can be fun, seriously.
32 min
The March of Time Challenge and The Flu
plus talking dough and eating donuts
2 min
Job-hopping isn't bad & how to beat the job-ste...
And more career advice
46 min
Listen Before You File: US Taxes 101
Saver's Credit, Earned Income Tax Credit and More
47 min
How much should you put in an emergency fund
And stopping Chase from buying a Porsche
29 min
Why You're Failing at Your Budget + Getting Rid...
And moving on from "do not give up"
36 min
Great Work Benefits You Might Actually Use
Beyond foozball tables and kombucha on tap
29 min
What is worth doing yourself vs paying someone ...
Insourcing vs outsourcing your household tasks
17 min
When to Give up on Goals this Year
And the Orb of Rebirth
23 min
All that money you didn't save: Opportunity Costs
The economist's alternative to pro/con lists
23 min
How to Balance Being a Human and an Employee
Negotiating for health care and sick time off
12 min
What the heck is a co-pay vs co-insurance?
And how can you milk good health insurance while you have it
20 min
What you can pay for with Health Savings Accoun...
Plus why they are not the same as FSAs
21 min
The Real Cost of Will's Cross-Country Move
Will is leaving us! Plus Budgetober!
22 min
California is about to change the gig economy f...
Contractors are about to become employees in the world's 5th largest economy
21 min
A recession is coming, how can you be ready?
And can you really?
26 min
See you next week!
0 min
Managing Money as a College Student
What do you need to know about money before you go to school
29 min
How to split rent, first dates, and retirement ...
Queer and straight and everything in between
27 min
Getting your spendy partner on board with budge...
Conversation about money with spendypants friends
17 min
Does retail therapy actually work?
Should you do it it? Why or why not?
21 min
Investing in your first IRA with $100
Investing is like an elevator and also like purgatory
25 min
Negotiate Your Bills ft. Tori Dunlap
Cable, phone, insurance - you don't have to take the price that's offered
25 min
The Cost of Being Intersex ft. Hans Lindahl
Different chromosomes can mean $$
25 min
America vs The World: Personal Finance Edition
What the US does different
20 min
How We Saved Our First Emergency Funds
Getting that money in the bank is hard.
25 min
Should you get a 529 for college savings? ft Ab...
Are they better or worse than cash under the mattress?
21 min
State of Queer Money
It's pride - what's going on with our money?
18 min
Are perfectionism & procrastination screwing up...
Death by a thousand shoulds
30 min
How much does it cost to have a hobby?
Knitting, brewing beer, and figure skating
46 min
How to Fund a Creative Project without Going Br...
We're live on kickstarter!
25 min
How to find car insurance without pulling your ...
Do red cars really pay more?
32 min
The 100th Episode - What Would You Do with $100?
We asked our listeners what they would do
27 min
Is $3,000 on an e-bike worth it?
Listeners share their financial calculations on pricey bikes.
39 min
What items are worth splurging on?
Buy nice shoes, knives, and bras;
31 min
Is the ACA going away? Do you need to panic?
Obamacare might disappear - what it means for you
31 min
Everything You Need to Know To Get Started Savi...
29 min
Creative (And Boring) Ways to Use a Tax Refund
Or other chunks of money
19 min
How to Choose An Employee Retirement Plan as a ...
And is a Simple IRA really simple?
26 min
How I world travel for cheap with travel hacking
And why you probably don't want to do it.
32 min
How much should you budget for clothing?
And tips on making clothing last longer
33 min
Is balancing your checkbook still a thing?
Plus - Nanny taxes and a listener victory
32 min
Stop Eating Your Budget
Spending Less at Restaurants and Bars
30 min
The Feeling of Money Control
(Listener Stories with The Billfold's Nicole Dieker)
36 min
How to Pay Quarterly Taxes
32 min
No More Shoeboxes! Complete Guide to Receipt Ma...
Receipts suck; So I went through every single app to find the one that makes them go away.
24 min
6 Financial To-Dos before the end of the (Longe...
Before 2018 closes out, there's a few things you should do wrap up your finances before the end of the year.
18 min
What money goal should you focus on next year?
It can be hard to choose a financial goal when it feels like you need to be doing everything!
25 min
A Genuinely Messed Up Situation with An Arm And...
Im really excited to have on reporter Dan Weissman to talk about his freshly-launched show, An Arm And a Leg podcast, which dives into the unique stories that come from the hellscape that is American health care. But it’s not depressing - it’s a nice con
37 min
Debt-Free and Queer ft David Auten and John Sch...
Are you ready for a cute, heartwarming, and thought-provoking interview this week? I hope so, because after a month of American health care on this show, Im ready for an uplifting story. John Schneider and David Auten of DebtFreeGuys.com  and Queer Money
27 min
Open Enrollment is like playing Dungeons & Drag...
We talk about why navigating the open enrollment stacking is kind of like playing magic or playing Dungeons & Dragons with a drunk Dungeon Master.
14 min
The $30 Spooky Health Plan You Probably Don’t Want
Just in time for halloween, we have an episode about some of the spookiest health insurance plans of all – “junk” health insurance plans, or “short-term” health insurance plans. The  President must’ve heard that we’re talking about health insurance
15 min
Save money on dental – with or without insurance
Teeth can be expensive! Lillian breaks down some unexpected ways you can save on dental - from taking a trip to Hungary to opening a FSA account, and helps explain why dental isnt quite like regular health insurance.
19 min
How to choose a health insurance plan during op...
Today we look at how to choose a health insurance plan - should you get a PPO, an HMO, or a HDHP? And what do those acronyms mean anyway? What if you get free money from work?
21 min
Finding a Place to Live with Poor Credit
Even if you have poor or no credit, that doesnt mean youre stuck living in your parents basement forever. Here are some strategies for finding housing  when you have poor credit, and also some strategies for repairing your credit after missed payments. L
15 min
How to Conference Travel on the Cheap
In a short episode recorded from a Hilton hotel closet in Orlando, Lillian shares some of her tips for traveling to conferences on the cheap – from flights, alternative accommodation, to using Instacart to get food delivered. This Show is Brought t
13 min
What if your life decisions were made by the st...
In a casual interview episode, I’m joined by Mike Merrill. Mike, or KMikeyM, has been doing one of the longest-running art project on capitalism as the world’s first publicly traded person, selling shares of himself to friends and strangers f
30 min
Creativity vs. Financial Security
Does financial uncertainty make you more creative or does it break your creative muscles? Lillian and Will reflect on their plethora of jobs, and Lillian justifies her choice to take a full-time temp job and launch a patreon for the show. (By the way we
20 min
The Art of Debt ft. Cathy Byrd
Today’s guest is not to be missed. Cathy Byrd from Fresh Art International reinvented herself as an artistic nomad after she got laid off in her mid-50’s while in debt. She paid off all her debt a few months after unemployment, including shor
22 min
How to start index investing in your 401K + usi...
Kelly wants to know the basics of of building an index fund portfolio and Christina wants to know what to do once shes paid off her car loan.
22 min
Money and Business as a Freelancer without “Sel...
Did you wake up one day and realize you’re accidentally a business owner? When you are a freelancer, you are the business. Danny Schuman accidentally ended up being an entrepreneur, and he figured out how to sustain himself even with the so-called
17 min
How to make financial choices without overanaly...
Maddie asks how to pick a bank from all the different options: credit union, online bank, local bank, multi-national - how do you choose?!
22 min
The Myth of “Money Mindset”
Lillian goes on a calm rant about the common refrain that you simply need to work on your money mindset to improve your financial outcome...while also talking about the value of it.
22 min
How to take the home office tax deduction under...
Lillian and Will walk through the basics of the home office deduction - and how things have changed under the new tax plan for 2018!
19 min
Should Jessica buy a house or keep her cheap ap...
Jessica asks if she should buy a house or keep renting in her cheap apartment longer, and more listeners share their experiences with homeownership.
19 min
How to Kick Butt at Money as a New Graduate
Lillian & Will share their own post-graduation money mistakes and give some tips for new college graduates on dealing with student loans, budgeting, and getting established.
27 min
Variable Income for the Perpetually Anxious
Variable Income. We’ve mentioned it a lot on this show because the more variable your income, the less traditional finance advice helps you. Today we talk about how to handle variable income when you’re anxious or neurotic (like Lillian!) So
23 min
Live Episode from The Outlet PDX
Will and Lillian dive into a meta-episode about Oh My Dollar! at Outlet PDX for the launch of the Get Your Money Together book in front of a live audience and answer some questions about the show. Grab a copy of the book here!
16 min
Should Eva invest in only stocks or also bonds ...
Listener Eva asks a question about picking investments in her 401K – should she stick with just a stock index fund or also a bond index fund? Here’s the J Collins Stock Series that Eva referenced (and I recommend) for an entertaining but illu
15 min
Bonus How to find your objective function (life...
This bonus episode is probably one of my favorite dense episodes thats a departure from our normal topic: your objective function (life purpose).
17 min
Financial Mothers of History + Making Money as ...
Author and illustrator Jason Porath, of the Rejected Princesses series, joins us to talk about some financially savvy women in history we might not know about, and talks about his experience making a living as a creator online. This is a longer version o
23 min
The Case Against Homeownership
Lillian walks through a lot of the misconceptions about homeownership – including the idea that you haven’t “adulted” until you’ve insta-bragged about buying a house. Buying a house can be a great decision, but don’t g
15 min
What are Will & Lily’s largest purr-chases ever?
A free form episode where Will & Lily talk about the Get Your Money Together book, when the right time is to follow up on an unpaid invoice, how to pay for big business purchases, and their biggest single expenses. ever. Get the book at www.ohmydolla
15 min
Do you need a financial advisor? with Michael D...
Many people wonder how to figure out how to find a financial advisor without getting screwed over. Michael Dinich helps us untangle all different types of financial professionals out there. You can find out more about Michael Dinich at Yourmoneygeek.com
18 min
Messy Money Mistakes ft. Jen Hemphill
Money mistakes. We’ve all made them. Those blunders or miscalculations that end up costing you money – and maybe upset a financial stability you’ve worked to build. Jen Hemphill, the author of Her Money Matters, joins us to talk about m
16 min
Money alone doesn’t solve problems
One of the wonderful things about modern society is that when I have have a material need, if I have some money, I can usually exchange money to help fulfill that need. But comments on Lillian’s monthly financial reports prompted her to examine wha
11 min
Should Adam’s project be a business or non-prof...
We answer two listener questions: How to figure out if you should be a non-profit, LLC, or become a corporation?  and L asks how to set their patreon tiers (16:45) to make sure they can take money home. Reminder! You can pre-order the cat-filled Get Your
22 min
How should Allison spend her $25,000 inheritance?
Allison writes in to ask about what to do with a “medium” inheritance, and Lillian helps explain how PHD students might not qualify to save in a Roth IRA. Don’t forget, you can pre-order Get Your Money Together workbook at ohmydollar.co
11 min
Capitalism is immoral, but making money isn’t bad
Inspired by Jesse Horn at the Bond conference, Lillian and Will talk about why you shouldn’t feel bad about acquiring money, just because capitalism is immoral. Also spending less than $90 on a trip to SF. Reminder that Get Your Money Together book
11 min
Talking to your parents about money ft Eric Bro...
Eric Brotman from Brotman Financial Group joins us to talk about how to have the hard conversations about money with your parents, and help them plan for their own retirement. Check out Eric’s book on lowering your taxes at http://www.lowtaxbook.co
13 min
Stop Worrying about Other People’s Budgets – Re...
We bring back a new spin on an old topic from the archives: how to make a budget based in your own values – and how to talk about money with your spouse, partner, co-parent, or even just roommate [starts at 5:32] There’s still time to join th
15 min
What if you defaulted on your student loans? + ...
We answer a potpourri of listener questions: Where do you keep an emergency fund? A money market? (1:21 timestamp) What is a CD ladder? (5:58 timestamp) Listener C just got a letter saying she had defaulted on her student loans. How does she get a handle
27 min
Money when Depressed
When you’re depressed, it can be hard to get off the couch, let alone worry about your budget. Lillian shares some tips for handling your personal finances when you’re depressed. Set things on autopay. Ask a friend (or even me) to sit with yo
16 min
How to get life insurance when you’ve been hosp...
Eva asks if she really has to adult-up and get disability insurance (yes!) Rebecca wants to know if whole life insurance makes sense if someone can’t get term due to mental health hospitalization. Josh wants to know how to cash a savings bond when
20 min
Early Retirement: It’s Simple, But Not Easy ft ...
Early Retirement? I always though that sounds like something only for silent velcro millionaires or tech bros - but it can be achievable without a windfall.
49 min
Curbing Impulse Purchases + Regrettable Spending
We share tactics to curb impulse purchases and regrettable spending. Also, we learn that Will owns every Animorphs book and is a sucker for odd citrus fruits.
30 min
Setting Non-Boring Money Goals that Don’t Suck
Lillian and Will talk about how to set non-boring money goals that won’t set you up for new year’s resolution failure. Save more money! Spend less money! Roll over that darn 401K! Implement a new system! Other things that are fun! Check out m
18 min
New Year’s Resolutions: Ask For More Money ft A...
Alicia McElhaney of the She Spends newsletter joins us to talk about one of the best ways to make more money in the new year: ASK FOR IT!
26 min
New Year’s Resolution: Pay Less Taxes
Listener Eva asks how she can maximize her retirement savings and minimize her taxes as a self-employed person; Lillian talks her through SEP IRAs and Solo 401Ks (they’re nearly the same as one another but not the same as regular IRAs).  We also co
15 min
Building a budget with “little wins” + how to t...
Lauren asks how to build a realistic budget with “little wins” and Lillian asks her to figure out what her wins and necessities are. Sara asks how she deducts the cost of her health insurance as a self-employed person. Plus, what to do before
24 min
Are Health Savings Accounts an evil Republican ...
Listener health insurance questions answered: Are Health Savings Accounts an evil republican tax loophole for rich people or actually useful? How do co-pay assistance plans work? How do you work the system instead of the system working you? What do you d
23 min
Mistakes not to make with health insurance ft J...
There’s so many confusing terms when you’re looking for health insurance: OOP, HMO, deductible, co-insurance, co-pays – how do you untangle them? How do you not go broke buying health insurance? Jack Hopper of Take Command Health, helps
46 min
Is Dan money laundering? Should Alice cash out ...
We answer rapid fire questions: Should Alice liquidate a 401K to avoid credit card debt? Can Charlotte use her spouse’s income on a credit card application? Can Dan move money between the US and his home country without accidental money laundering?
16 min
How to reduce your budget + recognize emotional...
We answer listener questions about budgeting. Tamás asks how to reduce his budget when he can’t figure out what’s too high, and Sara asks how to recognize emotional spending & help curb it. (We’re back on a Monday posting schedule,
16 min
Oregon is making retirement plans a requirement...
Oregon is trying to start a retirement planning revolution- every single business in Oregon will be required to offer a retirement plan of some sort by 2020. Joel Metlan joins us to discuss “Oregon Saves” and the behavioral economics built in
16 min
Kids & Money ft. Kim Dubois Harrison
Listener Riah asks how much she should save up to have kids, and special guest Kim Dubois Harrison, discusses parenting choices about money, expensive childcare, and the time value of money as a parent.
16 min