Life Kit: Money

In the world of investing, gold is having a moment. Last year, the price of gold crossed $4,000 an ounce for the first time ever. But does that mean it's time to rebalance your portfolio and get in on the precious metal action? This episode, NPR finance correspondent Maria Aspan explains why the world has been so obsessed with gold lately, how you can invest and whether doing so makes sense in the long-term. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences. NPR Privacy Policy

Retirement accounts are not just a vehicle to let your money grow over time for when you're ready to stop working. They're also a tax shelter. In this episode, we talk about how much you can expect to save in taxes, the difference between pre-tax and post-tax accounts, and how to decide which to prioritize. Spoiler: when in doubt, just pick one and get started. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences. NPR Privacy Policy

If you're struggling to save for long-term goals, find yourself lost in a sea of clutter or are concerned about consumerism and climate change, there are ways to curb your shopping habits. This episode, journalist Stacey Vanek Smith talks to writers, influencers and activists in the sustainable fashion industry about how to reign in overconsumption, rethink our power as consumers and challenge ourselves to buy less. This episode originally published Aug. 20, 2024. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences. NPR Privacy Policy

There are things we're supposed to do routinely for our health: brush our teeth, shower and exercise. There's a version of that for financial health too. We'll talk about those tasks — and go beyond the number-crunching to explore how our mental health affects our finances. This episode originally published Aug. 15, 2023. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences. NPR Privacy Policy

How much money do you make? What assets and debts do you have? What are your spending habits? These are all questions you should ask your partner, says Vivian Tu, founder of Your Rich BFF, a financial education company. In this episode, host Marielle Segarra talks with Tu about how to get “financially naked” with your partner, whether you just started dating or have been together for years. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences. NPR Privacy Policy

Between the start of 2022 and the start of 2025, car insurance rates jumped by more than 50%, according to the Bureau of Labor Statistics. Luckily, there are tried-and-true tactics for finding the cheapest deal you can -- from comparing rates from multiple insurance companies to not letting your teen get their license just yet. NPR's cars and energy correspondent, Camila Domonoske, breaks down the surprising factors that contribute to high rates and how to make sure you don't get taken for a ride by your car insurer. Find comparisons in your ZIP code: https://www.npr.org/2025/11/05/nx-s1-5397184/auto-insurance-credit-history-cost Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit To manage podcast ad preferences, review the links below: See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

There's a lot of tax advice on social media, but not all of it is sound. This episode, certified public accountant Mark Gallegos breaks down how to identify bad tax advice and avoid this year's most common tax scams. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit To manage podcast ad preferences, review the links below: See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

When it comes to investing money, don't put all your eggs in one basket. Spread out your investments among different types of assets and sectors, so you're not overexposed if one of them takes a hit. In this episode, we'll walk you through different types of assets, how your investment strategy should change depending on your age and needs, and a simple rule of thumb to calculate your stock versus bond allocation. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit To manage podcast ad preferences, review the links below: See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

You have a budget and an emergency fund (or at least know you need both) - but you want to go deeper. What else do you need to know about managing your money? Ever heard of capturing the carry on your debt, for example? Finance experts share their top tips on handling debt, investing, taxes and more. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit To manage podcast ad preferences, review the links below: See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

For a lot of us, this time of year triggers a financial reckoning. As you recover from holiday spending, here are 6 tips from past Life Kit experts on how to save money year-round. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit To manage podcast ad preferences, review the links below: See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

Personal finance can be a tricky subject to navigate. There's a lot of conflicting guidance on which savings account to use, how to budget properly and where to invest your money. And it's easy to make a mistake. This episode, financial educator Yanely Espinal shares the common financial mistakes she wish she knew about earlier. This episode originally published August 6, 2024. Sign up for our strength newsletter series here: npr.org/stronger . Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit To manage podcast ad preferences, review the links below: See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

Don't get swindled while buying gifts this holiday season. This episode, Amy Nofziger of AARP's Fraud Watch Network explains how to safeguard yourself from common shopping scams like fake shipping alerts and online stores — and offers advice on what to do if you fall for one. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

Investing can be intimidating. How do you know which funds to choose? How do you diversify? How much should you be setting aside in a retirement plan versus a savings account or a brokerage account? This episode, we talk to Mary Childs, co-host of NPR's Planet Money , about these questions and more. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

We're surrounded by ads and sales pitches — in our inboxes, on our phones and when we walk down the street. And everyone loves a good deal, but what actually constitutes a deal? How do you know you're getting the best price or that what you're purchasing is of good quality? In this episode, we offer tips to help you make purchases you're happy with this holiday season. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

Prescription drug prices can be costly. What are you supposed to do if you can't afford medication? In this episode, Dan Weissmann, host of KUOW's podcast An Arm and a Leg , shares how to find discounts on prescription medications and navigate the health care system when drugs cost more than you expected. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

Ready to take that big idea and turn it into a thriving business? Rachel Rodgers, author of Future Millionaire: A Young Person’s Step-by-Step Guide to Making Wealth Inevitable , shares the ingredients of a successful business venture. The best part? You don't necessarily need a lot of money to get started. Sign up for our newsletter series on credit card debt . Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

Credit card debt can make you feel stressed, ashamed and lonely. But there are proven strategies to free yourself from this burden. In this episode, five tips to help you get out from under credit card debt. And to sign up for our newsletter series with step-by-step plans to pay down your debt, go to npr.org/creditcarddebt . Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

Longing to quit your job and follow your passion? Or perhaps take a break to travel? Or move to a new place? First, you'll need to look at your finances. In this episode, Jill Schlesinger, a certified financial planner and business analyst for CBS News, walks through her five steps for assessing your financial situation before a possible life change. This episode originally published Feb. 28, 2023. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

A new semester has begun, which means college students across the country are taking on debt, opening credit cards and navigating meal plans and housing on their own. Budgeting and managing money, especially as a first-year college student, can be daunting. In this episode, we cover how to plan for student loans, look for scholarships, get part time work and more. Follow us on Instagram: @nprlifekit Sign up for our newsletter here. Have an episode idea or feedback you want to share? Email us at [email protected] Support the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

Financial educator Yanely Espinal shares her don'ts when it comes to money. Don't co-sign loans. Don't make hype-driven investments. Don't spend money you don't have. If you've been making these missteps, don't worry — Espinal has advice on how to create a path forward. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

Sometimes we buy things that we later regret spending on: a new sweater that's already falling apart, or a thrifted "vintage" vase that turns out to be a mass-produced dupe. In the moment, it's difficult to resist the temptation of making a purchase. But with a few pointed questions, you can make sure you've done your due diligence and buy something guilt-free. This episode, financial experts offer a framework to help you decide whether or not something is worth buying. This episode originally published December 18, 2024. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

Typical savings account interest rates can earn you pennies. In this episode, you'll learn about other high-interest savings options to earn more in interest and protect your savings against inflation. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

Ideas on how to have fun this summer without breaking the bank. Go on a "penny date." Throw a movie marathon party. Swap houses with a friend. With a little imagination, you can bring delight and joy — at a low cost — into your sunny days ahead. This episode originally aired August 1st, 2023. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

Even if you use a credit card all the time, it can be difficult to understand the ins and outs of how they work. Whether you're a new credit card owner or just want to make sure you're getting the most out of your card, this episode will walk through the fundamentals of the credit card game. This episode originally published August 29, 2024. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy

Groceries aren't cheap, but there are ways beyond just looking for sales to make budget meals. To help cut down your grocery bill, we have practical tips for saving money on the food you cook at home. This episode original published May 30, 2023. Learn more about sponsor message choices: podcastchoices.com/adchoices NPR Privacy Policy