Money Rehab with Nicole Lapin

The Federal Reserve hasn't been this dramatic in decades. Today, Nicole breaks down everything you need to know about the Fed and exactly what it means for your wallet. Nicole explains how the federal funds rate actually works, why it doesn't directly set your mortgage rate (but still absolutely affects it), and which accounts move immediately when the Fed acts. She unpacks the Fed's dual mandate, and shares her prediction for what Kevin Warsh will do. 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 Open a high yield savings account with SoFi at sofi.com/mnn Here's what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 00:15 Why the Fed Is Bringing the Drama Right Now 00:57 What the Federal Funds Rate Actually Is 01:33 How Banks Borrow From Each Other Overnight 02:01 How the Fed Rate Affects You (And What It Doesn't) 02:21 High Yield Savings Accounts and the Fed 02:39 The Fed's Dual Mandate: Inflation vs. Unemployment 03:36 Where Inflation Stands Right Now 04:04 Inside the FOMC: How Rate Decisions Are Made 04:19 Meet the New Fed Chair: Kevin Warsh 04:49 Hawks vs. Doves Explained 05:08 Trump vs. The Fed: The Political Pressure 05:14 Austan Goolsbee Takes Us Inside the Room 07:30 Internal Dissent at the Fed: Not Seen in 30 Years 07:57 What to Expect from Markets on June 17th 08:53 Nicole's Prediction: Will Warsh Cut or Hold? 09:29 Tip You Can Take Straight to the Bank: High Yield Savings 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.

Chris Voss spent two decades at the FBI and became the Bureau’s lead kidnapping negotiator. Today he sits down with Nicole to teach you how to leverage the same psychological tactics to get the salary you want. Chris and Nicole break down exactly what to say to get a raise, how to walk into a new job offer and negotiate without burning bridges, and how to get people to want to pay you more. Chris reveals why finding “common ground” is actually a recipe for resentment, why throwing out a number first can kill a deal, and the three conflict types — fight, flight, and make friends — that explain how almost every deal goes sideways. Then Nicole and Chris get into why remote work might be quietly tanking your career, an analysis of President Trump’s negotiation style and The Art of the Deal, plus the two lines of code planted in your head before age five that drive everything you do with money, work, and relationships. Finally, because Nicole had to ask, Chris explains what you should say if you’re ever in a hostage situation. 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 Check out Nicole’s Favorite Chris Voss Book “Never Split the Difference” Learn More About The Black Swan Method Here's what Nicole covers with Chris: 00:00 Are You Ready for Some Money Rehab? 01:00 Why Splitting the Difference Builds Resentment 03:19 The Myth of “Common Ground” 06:57 Stories From Being the Lead Hostage Negotiator For the FBI 07:51 How to Get Your Boss to Want to Pay You More 16:00 The Mistake of Getting Too Personal 18:51 What Should You Say If You’re a Hostage? 19:19 In A Raise Negotiation, Should You Bring Up a Competing Offer? 22:19 Is Body Language Really Important? 27:12 Does Chris Voss Get Nervous While Negotiating? 28:36 Negotiation Role Play and the Script For Getting a Raise 30:31 Should You Throw Out a Number First? 32:25 Don’t Ask “How Can I Help?” 42:15 Negotiating Non-Monetary Perks (Remote Work, Vacation Time, and More)43:06 Chris’ Take on Remote Work: It Makes You a C-Player 47:31 How to Use Empathy in a Negotiation 48:00 Why Being Playful Makes You 31% Smarter 50:20 The Three Conflict Types and Why Deals Die 59:00 Analyzing Donald Trump’s Negotiation Style 01:08:51 Debunking Negotiation Myths 01:16:00 Rating Deal-Making Cliches 01:18:13 How To Get Inside Someone’s Head 01:22:38 How Your Upbringing Influences Your Negotiation Skills 01:25:47 Chris Voss's Tip You Can Take Straight to the Bank

Glennda Baker has been a real estate broker for decades, built a massive social media following teaching everyday people how to buy and sell smart, and learned some of the biggest money lessons the hard way… including a divorce where her ex looked her in the face and called her a "cash cow." Today, she joins Nicole to share what she knows about protecting your wealth, winning in today's housing market, and building real estate into generational wealth. Glennda gets raw about her own financial trauma: the manipulation she didn't see coming in her marriage, the moment she was evicted to a vacant rental with her son and hit rock bottom, and why she will never get married again. She explains exactly how divorce hits women differently than men, including a hidden math problem most people miss when splitting a house at today's interest rates. Then Nicole and Glennda get into the real estate playbook. They fact-check the viral real estate advice flooding your feed, from writing letters to homeowners to get off-market deals, to using a HELOC for a down payment, to buying property through individual LLCs. Glennda also makes her case for why buying a house for your kid beats a 529, why private equity is keeping Bobby and Susie off the property ladder, and the one negotiation move every buyer should make at closing. 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 Follow Glennda on TikTok and Instagram Here's what Nicole covers with Glennda: 00:00 Are You Ready for Some Money Rehab? 01:21 Glennda's Origin Story 03:33 Should You Put Your Spouse's Name on Your House? 06:22 Prenups, Postnups, and Why Everyone Already Has One 07:03 Why Glennda Will Never Get Married Again 08:11 How Divorce Hits Women Differently 09:29 The Hidden Math Problem When Splitting a House 11:43 Glennda’s Money Trauma 17:09 Buying a House Together: What Needs to Be in Writing 20:19 Trusts vs. Putting the House in Your Kid's Name 24:30 Why Glennda Would Rather Buy a House Than Fund a 529 26:35 Real Estate vs. the Stock Market 28:09 Glennda and Nicole Play TikTok Trend or Truth? 38:13 The $47 Trillion Boomer Equity Problem 40:02 The Starter Home Myth 42:00 What Budget Do You Actually Need? 48:52 How Private Equity Is Locking Out Everyday Buyers 52:43 A Hard Look at Affordability 55:00 The 7 Ds of Real Estate 59:33 Closing Cost Strategy 01:03:03 Glennda Baker's Tip You Can Take Straight to the Bank 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.

Are we in an AI bubble? It's the trillion-dollar question — and depending on who you ask, you'll get completely opposite answers. Today, Nicole cuts through the noise and takes an honest look at what's actually happening inside the AI market right now. She breaks down why sky-high valuations on AI companies are giving investors serious dot com bubble déjà vu, the circular financing deals that are inflating demand, and why the fact that Nvidia drove roughly a fifth of the S&P 500's gains in 2025 should have every investor paying attention. But she also makes the case for why this moment is fundamentally different from 1999 and what that means for your portfolio. 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? 00:24 Both Sides of the AI Bubble Debate 00:44 How Much Money Is Actually Flowing Into AI 01:12 What Sky-High PE Ratios Really Mean 02:14 Dot Com Bubble Déjà Vu 03:32 Circular Financing 03:59 The Warren Buffett Market Indicator 04:19 What's Actually Different This Time 05:10 The Real Risks 05:36 Nicole's Honest Verdict 06:33 Tip You Can Take Straight to the Bank 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.

Bill Gurley is a Wall Street and Silicon Valley legend. He’s the analyst who led the Amazon IPO and went on to become one of the most successful VCs of all time and an early investor in Uber, Zillow, and GrubHub. Today, he joins Nicole to answer the biggest questions on investors' minds right now. Bill doesn't mince words: yes, we're in an AI bubble— and he explains exactly why, from circular spending deals that smell like Enron to the speculative behavior that always follows a real wave of innovation. He breaks down why the IPO system is rigged against retail investors, what tokenization could do to fix it, and what a SpaceX IPO would actually mean for everyday investors. He also shares the one market sector he thinks is quietly becoming a buy, and the specific Chinese battery stock he personally owns. Then the conversation shifts to Bill's new book, Runnin’ Down a Dream, and his surprisingly personal framework for building a career you actually love. He shares the question he asked himself twice that changed the entire course of his life, his research on career regret, and why chasing passion is a competitive advantage. 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 Get Bill's book Runnin’ Down a Dream Here's what Nicole covers with Bill: 00:00 Are You Ready for Some Money Rehab? 01:12 SpaceX + xAI: What Elon's Deal Really Means 03:18 Why Retail Investors Keep Getting Shut Out of the Best Companies 05:55 The IPO System Is Rigged 08:36 Inside the Amazon IPO 10:40 Are We in an AI Bubble? 16:30 AI vs. the Dot-Com Bubble 21:15 Which AI Tools Bill Actually Uses 22:00 Bill's Take on AGI Hype 23:30 Where Bill Sees Opportunity Outside of Tech 27:30 The Chinese Battery Stock Bill Personally Owns 28:45 How to Evaluate Stock Options as an Employee 31:50 The Hidden Value of Joining a Fast-Growing Company 33:15 Buy Side vs. Sell Side Analysts 35:40 The Question That Changed Bill's Career Twice 38:00 Why Following Your Passion Is a Competitive Advantage 42:00 How Tito's Vodka Started with a Blank Sheet of Paper 45:20 Bill's Next Chapter: A Policy Institute 48:00 Nuclear Energy, Healthcare, and the Issues Bill Wants to Fix 51:06 Bill Gurley's Tip You Can Take Straight to the Bank 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.

Behavioral scientist and bestselling author Jon Levy is back to unpack how we can leverage our own psychology to build wealth. He explains why publicly announcing your financial goals can actually sabotage them, how “if-then” plans outperform willpower, and why adopting the identity of “I’m an investor” can become a self-fulfilling prophecy. Then Nicole asks Jon what the science says about whether jerks make better CEOs, and he shares research-backed strategies for becoming a stronger leader. He also gets personal: how growing up as the child of immigrants affected his money mindset, the road to becoming debt-free in eight years, and the amount of money he needs in his bank account to feel safe. Nicole and Jon also discuss how financial frameworks like the sunk cost fallacy apply to relationships and whether your partner might be the best investment you’ll ever make. 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 Get Jon’s latest book Team Intelligence Here’s what Nicole covers with Jon: 00:00 Are You Ready for Some Money Rehab? 01:47 Jon’s Famous Dinners Explained 04:17 Why Money is a Mental Puzzle, Not a Math Problem 06:16 Why Sharing Goals Fails 07:56 From Housing Markets to Dating Markets 09:42 Is Your Partner the Most Important Financial Decision You’ll Make? 15:09 Jon’s Leap From Debt to Social Currency 33:37 Money Values in Marriage 38:01 Should You Quit the Zombie Job? 39:27 The Chicken/Egg Problem with Success 45:25 Do CEOs Need to Be Jerks to be Successful? 49:53 What Makes a Leader 58:12 How Self Deprecation Erodes Trust 01:06:57 Jon Levy’s Tip You Can Take Straight to the Bank