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Oh My Dollar!

Oh My Dollar!

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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
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How the heck do you pick financial goals when 1 in 4 people are unemployed, there are murder hornets, police are battering people in the streets for having the audacity to say that black men shouldn't die at the hands of cops, and everything feels a little...well, stressful? When the world is on fire, how can you care about your 401K? AND HOW CAN Y…
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Three questions that didn't make the livestream this week: what to do with your $1,200 if your job is stable right now, can they take back your unemployment overpayment, and how to get your stimulus bill if you don't have a bank account. I answered a lot more questions on the livestream this weekend, you can watch or listen to the replay at youtube…
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Freelancers and gig workers (and musicians and more) can file for unemployment now for the first time ever. And for the moment, it actually pays enough to pay your bills - possibly even more than your job did. If you have a question about your financial life, or if you just want to share what it is like in your part of the world, please email quest…
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How do you get health insurance if you lost your job? Are we all really getting 1,200 extra free dollars from the government? what is the catch If you have a question about your financial life, or if you just want to share what it is like in your part of the world, please email questions@ohmydollar.com or tweet me @anomalily. I’d also love to just …
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This is episode touches on everything you need to know to get started meal planning. If you have a question for the Special Financial Chaos episodes coming out, or if you just want to share what it is like in your part of the world, please email questions@ohmydollar.com or tweet me @anomalily. I’d also love to just hear just little audio updates ab…
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Time is money! But many of us know exactly where our money goes, but have no idea where our time goes. Once you know where the time goes, you can make changes that will help you spend more time on the things you value and less where you don’t (just like budgeting). Over on the Oh My Dollar! forums, we're doing a fun time tracking challenge, March o…
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We're off this week due to mysterious flu-like illnesses BUT never fear, we have cool OMD things coming up this week. Tomorrow (leap day, Saturday, February 29th) - we have a livestream at 5PM Pacific. Subscribe on youtube to anomalily to be notified when we go live (or watch afterwards). Check out the March of Time time tracking on the Oh My Dolla…
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We all know careers aren't the same as they once were. Nicolle Merrill joins us to discuss why job-hopping is actually an advantage, how to "network" when you're an introvert, and what the first thing people might ask you to do in different cities. Check out the transcript and the full show notes at ohmydollar.com and Nicolle's book here. Plus Chec…
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Lillian is joined by Nina, who asks questions about taxes and we cover what you need to know about witholding, saver's credit, and more. Check out the transcript and the full show notes at ohmydollar.com Plus Check our 20 in 2020 challenges on the OMD forums. This episode was supported by our Purrsonal Finance Society members - help out for just $1…
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Lillian talks about how much you really need in your emergency funds in response to a listener question from Ken, and she tries to get Chase, our engineer, to stop spending all his money. Check out the transcript and the full show notes at ohmydollar.com Plus Check our 20 in 2020 challenges on the OMD forums. This episode was supported by our Purrs…
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Sometimes it's hard to stick to a budget. But that shouldn't make you feel ashamed. How to get over feelings of shame and deprivation when things are hard and your financial goals aren't working? Here's some money therapy. Check out the transcript and the full show notes at ohmydollar.com Plus Check our 20 in 2020 challenges on the OMD forums. This…
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What work benefits might you actually want to use and negotiate for? We asked the Oh My Dollar! community for the work benefits they actually used - and the ones that were just useless lip service. Check out the transcript and the full show notes at ohmydollar.com Plus Check our 20 in 2020 challenges on the OMD forums. This episode was supported by…
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What is worth paying someone else to do and what is a waste of money? I asked people what they outsource due to health, disability, time, quality, and more - and what they DIY themselves. Check out the transcript, and the full show notes at ohmydollar.com Plus Check our 20 in 2020 challenges on the OMD forums. This episode was supported by our Purr…
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How do you know when to quit a project, a goal, or something similar? And how does a to-do-list role playing game teach you about financial goals? Check out the video, the transcript, and the full show notes at ohmydollar.com Plus Check our 20 in 2020 challenges on the OMD forums. This episode was supported by our Purrsonal Finance Society members-…
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What's the real cost of choosing one path vs another? What happens when you could've bought a house instead of spending your money on scented candles and fancy rollerblades? What about when you choose to stay home rather than not going out? What about that useless college degree with student loans? Plus, find out a little about Lillian's job update…
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When you're an employee, you're also an employee with health needs. How do you balance both? We talk with Mac Prichard about how to bring up health care in the job process, and how to negotiate for sick leave without "outing" yourself. Plus, what your rights are for leave in the US and when it kicks in. Should you get COBRA? And more! Check out the…
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Untangling the difference between a co-pay vs co-insurance and which kind of health care plan is better. Plus, depressing health care headlines. This is the first ever OMD episode with a video version. Check out the video, the transcript, and the full show notes at ohmydollar.com This episode was supported by our Purrsonal Finance Society members, …
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It's health care month on OMD for the third time and we're kicking it off with Jean Chatzky and talk about why Health Savings Accounts are rad super special triple-tax free accounts. Check out our full show notes and transcript at ohmydollar.com, supported by our Purrsonal Finance Society Members, who you can learn about at ohmydollar.com/support/ …
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It's Will's final Oh My Dollar! episode and we talk about how much it cost for him to move cross-country - and also about our halloween themed budget challenge, Budgetober! Join budgetober at http://www.ohmydollar.com/budgetober/ Check out full show notes at ohmydollar.com - no transcript this week since it is a breezy episode, but every other week…
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California just passed legislation that will require gig economy companies like Uber, Lyft, and Amazon to classify workers instead of contractors. This is a big deal outside California, even outside the US. Check out our transcript and full shows note at ohmydollar.com - transcripts are provided by our patrons in the Purrsonal Finance Society (who …
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A recession is coming, what should you do to be ready? Can you really prepare for a recession? Check out our transcript and full shows note at ohmydollar.com - transcripts are provided by our patrons in the Purrsonal Finance Society (who make such a HUGE DIFFERENCE to this show). This episode was underwritten by patron Tamsen G Association, Warrior…
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What are some tips for managing your personal finances as a college or university student? What do we wish we had known about money when we started out in school? Check out our transcript and full show note at ohmydollar.com - transcripts are provided by our patrons in the Purrsonal Finance Society (who make such a HUGE DIFFERENCE to this show). Th…
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Splitting date expenses is hard, especially when you're queer. How do you split rent when one person makes a lot more money? Plus, what who should get more in their retirement account? Check out our transcript and full show note at ohmydollar.com - transcripts are provided by our patrons in the Purrsonal Finance Society (who make such a HUGE DIFFER…
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One of the biggest barriers to getting your money together can actually be other people - we talk about strategies for talking with your partner, roommate, or co-parent about money. Ask us a question! We love hearing from you! Email us your cat pictures or money-relationship questions at questions@ohmydollar.com or tweet us at @anomalily or @ohmydo…
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Ohhhh the siren call of retail therapy. That “add to cart” button luring you in from the wild seas of despair. If you’re feeling down, feeling stressed, it can feel like buying things will solve your problems. Why do we do this? Why does it work? Ask us a question! We love hearing from you! Email us your cat pictures or your retail therapy shopping…
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If you don't have the minimum for an investment in Vanguard, how do you get started with a Roth IRA? And what the heck is a settlement fund? What is an ETF? We help to stop you from freaking out. Ask us a question! We love hearing from you! Email us your cat pictures or other successes from at questions@ohmydollar.com or tweet us at @anomalily or @…
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You’re an adult now! Congrats. Now you owe everyone money! Paying bills is part of adult life, unless you’ve manage to go completely off the grid. Bills feel like one of those parts of adult life that are non-negotiable. You get asked to pay, you pay the amount listed. But actually in many ways there’s wiggle room if you’re willing to negotiate. So…
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The alphabet soup of the GLBTQIA+ community includes one letter many people don't know about - "I" - which stands for "intersex", a term that refers to people that are born with a reproductive or sexual anatomy that doesn't fit the "typical" definitions of female or male. So, today, we've brought on Hans Lindahl, Communications Director at interAct…
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It's 4th of July (American Independence Day), so here's an episode about things that America does differently in personal finance. America America - this is a place most of our listeners, according to our analytics, live. To celebrate independence day, I thought I would talk about some of the things that the US does differently in personal finance,…
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Saving up that first emergency fund can be hard - especially if you don't make a lot of money, if murphy keeps knocking on your door and stealing from your savings, or if you have variable income. So we asked listeners to share their stories of how they saved their first emergency funds. Here are different methods: -The automatic sneaky savings met…
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WTF is a 529? Should you use one for saving for education or is it easier to just have a savings account. Abby Chao from CollegeBacker walks us through what one is, how to set it up, and why it makes sense to use one for college savings. About Abby Chao Abby is a Co-Founder & COO ofCollegeBacker, an online service that makes saving for college simp…
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It's pride month! And here at Oh My Dollar!, we're queer af, so we're here to talk all things under the rainbow. I thought in the midst of this historical pride month - the 50th anniversary of the Stonewall riot - we share the things that we still have to work on in the world of finance and money for GLBTQI+ folks. Reminder you have 3 days left to …
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You "should" do this [unpleasant money thing.] Sound familiar? I know many of you admit to financial procrastination, but often perfectionism is a the root of procrastination. Sometimes it's things like overgeneralizing, all-or-nothing thinking, mental filter (harder on yourself than others), should statements. We're Crowdfunding a Book and Need Yo…
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Some hobbies are pricey, some hobbies actually save you money. The OMD community tunes in to share how much their hobbies cost them. Plus, Lillian shares the costs from her new figure skating hobby. We talk about these things:The costs of brewing beer and if it saves you moneyThe marginal cost of hobbies ($3 per use or not)Limiting the cost of "Try…
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Big announcement! Oh My Dollar’s cat-filled purrsonal finance book, A Cat's Guide to Money, is going into the second printing, and we need your help to make that possible. But don’t worry, this episode isn’t just going to be about the book - it’s also about why I chose to go the crowdfunding route again, and what that has to do with risk and money.…
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Figuring out car insurance can be an absolute hair-pulling nightmare. What is comp & collision? What does 50/100/50 mean? Do red cars really pay more? Guest Andrew Rose of Compare.com helps us make sense of it. We answer these questions: Collision vs. comprehensive: what’s the difference? How do you know which one you need?How can you tell if a car…
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For our 100th Episode, we turned the mic on our listeners and asked: If I handed you $100 and you had to use it in the next 24 hours in a way it would have the biggest impact on your life, what would you do with it? Thank you so much to everyone who listens, everyone who has *ever* submitted a question to the show, our amazing forum community, our …
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Are you thinking about taking the plunge into the world of e-bikes or cargo bikes? At $1,000 – $5,000, it can be hard to justify the expense. We hear from people about their own choice to get an ebike and why the expense made sense for them, and share some tips on figuring out if it’s right for you. Thank you SO MUCH to the over 100 people who subm…
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How do you choose which things to spend more more money on - and what things can you cheap out on? Listeners write in with their best consumer investments and how these splurges improve their lives. People splurge on cooking equipment, knives, shoes, bras, and gym memberships. Please come join us Much of this conversation came from the rad folks at…
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If you haven’t been following - and who can blame you - the law is an absolute mess - the Affordable Care Act, the law that provides health care coverage and protections for millions of Americans, was invalidated by a judge in Texas late last year. But this month, the Justice Department said they now have the position that the entire law should be …
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This is rebroadcast of an episode from our archives. Back to new episodes next week! The episode originally aired on February 13, 2017. Lillian answers all the questions you’ve been too scared to ask about investing for retirement. This guide is especially meant to help if you if want to get started investing in your 20's or 30's, but is applicable…
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Alright, so you got a tax refund. Or some other fun chunk of money. How should you use it? Save, splurge, or...? Maybe cash it into twenty dollar bills and fill your bathtub with it and flop around like the rich magical being you are? Here's our ideas, ranging from creative to not: Pay off debtSave your one-month buffer or emergency fundStock up an…
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There's so many options out there for small business retirement plans for employers! How do you choose one you can afford and that won't cause headaches to administer? Marcel wrote in: I’m a small business owner, who has recently expanded to have 8 employees. We’re doing well as a business, and I’d like to encourage my employees to save for retirem…
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Lillian travels to 2-13 countries a year, and mostly flies and stays in hotels for free or cheap - through credit card travel hacking. She walks you through how to do it as a hobby- and why you might not want to. There are no referral links in this post, because I don't want you to think I'm doing this for the points. I do a lot of things for the p…
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Clothing - it can be a luxury item but it's also a necessity, if you live in polite society. How much should you spend on clothing in a year? How do you balance your budget with your values if you don't want to buy fast fashion items? Do you need to buy high-end sustainable fashion? Do you have to thrift everything? How do you calculate cost-per-we…
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Balancing your checkbook- is that an adulting skill you should have? What exactly is a checkbook? Do you still need to do this? What is the digital equivalent? We answer your hot questions about checkbook balancing, how to do it, and whether or not it matters. Lillian goes also on a bit of a rant about how antiquated the US financial system is. In …
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Are you tired of eating and drinking your money away? Lillian and Will (plus some helpful listeners) share their tips for spending less at restaurants and bars. Some strategies include: Involve your friends or co-workers in a "no eating out" challenge Start a lunch packing clubIdentify your big "triggers" for eating out and plan around themFind fun…
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Something we always say on this show is that money is highly personal. Well, one thing I’ve learned is there’s no specific “accomplishment” moment for when you are in control of your money. For some people it’s being able to buy whatever kind of cheese they want at the grocery store, for others it's the feeling of not worrying about the next payche…
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Do you have a profitable side hustle? Are you entirely self-employed? Do you send invoices to get paid rather than than get a paycheck with tax deductions taken out? It’s entirely possible you should be paying quarterly estimated taxes then. Paying quarterly estimated taxes can be annoyingly scary - not only are you like “WHY ARE YOU TAKING MY MONE…
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