Lillian tackles your money overwhelm with practical, approachable financial advice with a dash of glitter. She will teach you how to reduce your money stress, budget, get out of debt, plan for retirement, support causes you love, travel affordably, and escape the paycheck-to-paycheck cycle. Got a question? Send an email to firstname.lastname@example.org to be on the show!
How to find car insurance without pulling your ...
Do red cars really pay more?
The 100th Episode - What Would You Do with $100?
We asked our listeners what they would do
Is $3,000 on an e-bike worth it?
Listeners share their financial calculations on pricey bikes.
What items are worth splurging on?
Buy nice shoes, knives, and bras;
Is the ACA going away? Do you need to panic?
Obamacare might disappear - what it means for you
Everything You Need to Know To Get Started Savi...
Creative (And Boring) Ways to Use a Tax Refund
Or other chunks of money
How to Choose An Employee Retirement Plan as a ...
And is a Simple IRA really simple?
How I world travel for cheap with travel hacking
And why you probably don't want to do it.
How much should you budget for clothing?
And tips on making clothing last longer
Is balancing your checkbook still a thing?
Plus - Nanny taxes and a listener victory
Stop Eating Your Budget
Spending Less at Restaurants and Bars
The Feeling of Money Control
(Listener Stories with The Billfold's Nicole Dieker)
How to Pay Quarterly Taxes
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.
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.
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!
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
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
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.
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
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.
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?
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
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
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
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
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
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.
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
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?!
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.
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!
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.
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.
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
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!
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
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).
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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.
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.
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
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!
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
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
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
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
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?
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,
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
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.
Financial Traps of Multi-level Marketing ft. Al...
Journalist Alden Wicker joins us for a discussion on the cost of Multi-level Marketing pyramid schemes like Lularoe and Beachbody.
Don’t Panic! Buying your first home ft. Katie B...
We have a special guest Katie Bovitz from the Portland Housing Center to talk about considerations for buying & financing your first home.
We’re Back from Break!
A short episode just to say hello after Fall Break to give an update on Lillian’s travels. Oh My Dollar! is launching a cat-themed purr-sonal finance workbook: http://www.ohmydollar.com/kickstarter/
Demystifying Your Social Security ft Jon Rork
We’re back from our week break with an episode on Social Security featuring economist Jon Rork. Will it be around in 25 years? How does it work? Should you factor it in to your retirement planning?
How to Improve a Bad Credit Score
Lillian walks through the three things you can do to improve a bad (or nonexistent) credit score, and why it might not matter.
What to do when you get a windfall
We talk about what to when you unexpectedly come into “extra” money – how to allocate it, and listener stories about how they used their windfalls.
How much $$ to keep in your bank account + goin...
A live show from the Oh My Dollar! and XRAY in the morning crew, Lillian answers two listener questions: Alan wants to know how much to keep in his bank account, and Catherine asks how to plan for $90K of graduate school debt.
You can buy anything you want, but not everything
We discuss some great splurge ideas, and how to plan for them, include Lillian’s big trip from Dublin > Shanghai by train, and Will’s fantasy of crossing the Pacific on a cargo ship. (H/T to Paula from affordanything.com for the great exe
How to get money out of retirement early
It’s totally possible to get to retirement money early! Lillian walks you through the legal ways to get money without paying crazy penalties. Plus – why you shouldn’t do that!
Untangling COBRA and Healthcare.gov premiums
What is a COBRA and what does it have to do with health care? How do you figure healthcare.gov premiums when you have variable income?
Your Backup Plan for Living (Life Insurance)
We talk about life insurance policies – and what the difference between term and whole life insurance policies are. And what being “self-insured” really means.
How to Plan for All Your Darn Friends Getting M...
If you’re in your 20’s or 30’s, you’re might be getting invited to weddings. Possibly lots of them. Just attending a wedding, let alone standing up in one, costs money! How do you make a budget for that?
The Worst Case Scenario (Life + Long-Term Disab...
Lillian walks you through two types of insurance most folks should have, but no one wants to think about: life and disability insurance! We also cover what Worker’s Comp does and doesn’t cover. Sorry we’re a day late this week; technica
Premiums, Deductibles, and other insurance terms
Will and Lillian break down a bunch of different insurance terms and tell you about what kind of insurance you need to get – and how it might actually help you out (did you know renter’s insurance might cover your stolen bike?)
The Power of Batch Cooking ft. Emily Corso
Professional cage fighter, personal trainer, batch-cooking enthusiast and all-around badass Emily Corso joins us to discuss ways to make cooking healthier, cheaper, and easier. (One Solution: tacos for breakfast!)
Meal Planning (the secret weapon) ft. Nicole Di...
Nicole Dieker from the wonderful website The Billfold joins us to talk about the most awesome way to reduce your stress and lower your grocery budget at the same time- meal planning!
What kind of employee are you? 1099 or W2?
We dive into the legal differences between independent contractor + W2 (regular) employee – and how it affects your finances and your legal protections and how it might be misused. Also, how Canada does it better.
Sticking to your budget despite peer pressure +...
We give some tips on dealing with peer pressure from coworkers and friends about spending money when you’re on a budget – and how to figure out where to trim your budget (the fact is that you probably already know what you need to do). Plus,
There is no good or bad debt + how you put pre-...
Lillian goes on an educational rant about the concepts of good debt and bad debt and she answers the perplexing question of how you actually get money into a pre-tax IRA.
Social worker pays off $18,000 of debt! + What ...
How American expats can avoid paying US taxes (it’s not easy); what sort of benefits you should look for in a job offer; And Kelsey calls in to celebrate paying off $18,000 in student loans by being a night nanny on top of her day job as a social w
How to quit your job and be freelance (Listener...
Listener questions: What’s a Roth 401K and who should use it?… What should I financially prepare for if I want to go freelance?… When does it make sense to incorporate as a freelancer?… and How to budget when life is chaotic!
Kick Butt With Your Tax Refund + 1099 tax strat...
Youve got a tax refund! 4 strategies for what to do with that refund! (+ how to reduce taxes on 1099 income)
Credit Hacks + Lillian’s Booze Spending Report
A water cooler episode where we discuss some tips on raising your credit score (if you need/want to) and how much money Lillian has saved by quitting drinking.
How to go through adult life “permanently in debt”
Listener Lola asks about how to plan for her future when she has six figures of college debt she’ll never be able to pay off. Lillian asks her to challenge her assumptions and start hating the debt.
The Government Will Pay You to Save For Retirement
Lillian compares compound interest to bunnies, explains how she saved for retirement even when making $800/month - and the wonders of the Savers Credit - which gives you money back to save for retirement!
Budgeting Rule #1: You Do You
From the radio vaults, we bring you a short episode about the #1 most important thing in your budget: your values. You can’t avoid looking at your budget without considering your values – no one else’s budget will work for you.
Why Budgeting is the Root of All Awesome
Many people think budget is a scary word. But regardless of your income, the budget can be the key to meeting your financial goals and having FUN.
Staying Motivated in the “Hard Middle” of Big G...
Sometimes the most frustrating part of money is that building wealth is a marathon, not a sprint. We talk about the “hard middle” of working towards a big goal- where you’re making progress but it seems slow, and the end payoff s
A Great Credit Score Does Not Mean You Have It ...
Many people think that if they’ve achieved a great credit score, they’re done, they have it all figured out and they’re financially well. That’s simply not true – a credit score is not a measure of financial well being. Lill
Making a living as a performing artist without ...
Special guest John Vergin joins us for an episode of what a 40-year career of hustle as a working performing artist looks like without getting famous. John dropped out of college and never held a so-called “real job” but balancing his creativ
Everything you need to save for retirement in 3...
Lillian answers all the questions youve been too scared or too lazy to ask about investing for retirement. She covers 401ks & IRAs, explains how you choose what to invest, and what you should avoid. Within 30 minutes, youll be ready to click the buy
Tales of Financial Procrastination
You know those nagging little financial tasks? The ones you procrastinate on? We talk about conquering those tasks that cost you money (including Lillians current procrastination on her money) - and hear a bunch of listener stories of times they procrast
Your Trump Health Insurance Questions Answered
A top money concern for many under the new administration is health insurance. Our special guest Ben Mcewan, helps answer your questions about health insurance in the Age of Trump: will the marketplace plans go away? Should you get off medicaid/OHP onto
#3 New Year’s Resolutions & Picking a Rewards Card
Lillian talks about some New Years resolutions to set for your money, and how to make them easier PLUS she discusses how to choose a rewards credit card.
Planning for Known Unknowns
Today we talk about those things that might be emergencies – but are expected emergencies – and how to prepare for them. And how you can avoid using your emergency fund (if you have one yet!) on things you can reasonably expect to happen.
Budgeting on a variable income
In our first episode of Oh My Dollar! Lillian talks about living off last months income and answers questions from from Lucy (Portland, OR) a comic artist who asks how to plan to budget on variable income and Emily (Portland, OR) a small business owner