Financially Inclined

Being a first-generation student can mean facing bigger financial pressures than your peers, with less generational knowledge and wealth. Yanely Espinal talks to Gigi Gonzalez, the First Gen Mentor, to help you navigate the unique pressures of being the first in your family – whether that’s being a first-gen American, first-gen college student, first-gen professional, first-gen entrepreneur or more!   Think you’re financially inclined? Check out these resources:  Explore resources for first-gen students from the Collective Success Network Learn more wealth building tips from Business Insider Prepare for a “money talk” with your family using this guide from CNBC   Are you in an educational setting? Here’s a handy listening guide.    This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up for a Greenlight account.

Income taxes can be intimidating, especially if it’s your first time filing on your own. But don’t worry, host Yanely Espinal sat down with the self-proclaimed superhero of taxes, Duke Moore, to break it down so you can know what you owe… or what the IRS owes you as a refund! They talk about all the different tax forms, explain deductions and write-offs, and reveal the most important box you have to check if you’re a young person filing taxes.    Think you’re financially inclined? Dig deeper into taxes: Learn about tax brackets and rates from Nerdwallet  Understand the rules around working while being a dependent Check out FreeTaxUSA’s website to file your taxes online   Are you in an educational setting? Here’s a handy listening guide.   This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account.

Every generation faces challenges when they enter the workforce for the first time, but Gen Z may have an especially tough time. Social media manager Amir Henley can help you stand out in a tough job market.  Think you’re financially inclined? Check out more tips on entering the workforce:  Websites where you can start looking for that job Some free resume templates  Learn to write a cover letter in your own voice Are you in an educational setting? Here’s a handy listening guide.  This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account.

With all the hype about cryptocurrency, how can you tell a good investment from bad? Yanely Espinal sits down with college student and crypto investor Giovanni Moreno and journalist Caitlin Ostroff to learn what crypto is, how it works and what red flags to look for. Think you’re financially inclined? Dig deeper into cryptocurrencies: Read this guide from Investopedia on what you should know before investing in crypto. Stay up to date with crypto news from CoinDesk. Do your research on how different currencies are doing with updates from Coinbase. Are you in an educational setting? Here’s a handy listening guide.  This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account.

Being an influencer might sound like the best job in the world, but viral content creator Sid Raskind, who has over 4 million TikTok followers, says that it’s a lot harder than it looks.  Think you’re financially inclined? Learn more about the reality of influencer life: A very small number of influencers earn the majority of money and views Black influencers are paid less than white influencers, and the racial pay gap might be worse for influencers than people in other industries  Are influencers actually earning money for their clients?  Are you in an educational setting? Here’s a handy listening guide. This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account.  

Student loans don’t have to be scary, you can make them work for you! This week, “Financially Inclined” host Yanely Espinal sits down with content creator Carmen Perez to dig into all the details of understanding the lingo, reading the fine print and making a budget so you can stay on top of your loans.   Here are some additional helpful resources: Go to the Federal Student Aid site to find resources, calculators, definitions and everything else you need to get started on your student loan journey. Find more information on Pell Grants here. Get your FAFSA questions answered with this NerdWallet guide.   Are you in an educational setting? Here’s a handy listening guide.   This podcast is presented in partnership with Greenlight: The money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account.

Saving money might sound like a chore, but Yanely Espinal and Berna Anat are here to remind you that saving money can help you afford more of what you want, and you can have fun along the way!   Think you’re financially inclined? Check out the savings tips below: Check out this comparison of high-yield savings accounts from NerdWallet Here are some free savings trackers you can print Look at these different savings apps reviewed by Bankrate And you can find more financial tips from Berna on her Instagram   Are you in an educational setting? Here’s a handy listening guide.   This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up for a Greenlight account. Join today.

With the rising cost of college in the United States, you can’t sleep on scholarships. This week, Yanely Espinal chats with Youssef Hasweh, a scholarship wiz who got a full ride to University of Chicago, about finding the right scholarships for you, keeping those applications and deadlines organized, and understanding what “full ride” really means.   Think you’re financially inclined? Dig deeper into scholarships. Find more from Hasweh at Youssef University. Check out this Forbes list of the “9 Best Scholarship Websites and Search Engines.” Consult this handy guide of mistakes students make when applying for scholarships and how to avoid them. There’s also this U.S. News & World Report how-to guide to help you find and apply for scholarships.   Are you in an educational setting? Here’s a handy listening guide.   This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account.

Financially Inclined From Marketplace is back for season 2 with more money lessons we wish we learned earlier — the ones that can help us live life on our own terms. This season, host Yanely Espinal is digging into how to pay for college, getting a job, crypto currencies, saving money and paying taxes. New episodes start November 3. This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account at http://ww.greenlight.com/inclined  

Have you ever heard the terms “stock market” or “index fund” and thought to yourself, “What the heck is that? And should I put money in there?” This week, Yanely Espinal talks with TikToker and money coach Delyanne Barros to figure out how to start investing. Think you’re financially inclined? Dive deeper into investing. Play this investing simulator game from Next Gen Personal Finance Compare online brokerages with NerdWallet Check out related Marketplace stories here Are you in an educational setting? Here’s a handy listening guide This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account at http://ww.greenlight.com/inclined.

Dealing with money is super important and unavoidable. But it seems like the older we get, the harder it is to talk about. This week, Yanely Espinal talks with Marketplace host Reema Khrais, who chats with people every day about their relationships with money on her podcast “This Is Uncomfortable.” Reema explains why conversations about money are so important and how we can all have a better relationship with money.  Think you’re financially inclined? Use these money reflection tools. Take the Klontz Money Script Inventory test Check out related Marketplace stories here Listen to the latest season of “This Is Uncomfortable” here Are you in an educational setting? Here’s a handy listening guide. This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account at http://ww.greenlight.com/inclined.

Buy now, pay later programs might seem like a magic wand, instantly shrinking the size of your initial payment for a purchase. But BNPL services like Afterpay or Klarna come with risks too. This week, “Financially Inclined” host Yanely Espinal talks with tech editor Joshua Bote of SFGate to get the full story on BNPL, so you can click “place order” with confidence. Dive in with us by watching the video below. Think you’re financially inclined? Learn more about BNPL. Check out Joshua Bote’s reporting on BNPL from SFGate Compare different BNPL services with this guide from The Points Guy Are you in an educational setting? Here’s a handy listening guide. This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account at http://ww.greenlight.com/inclined.  

OK, we know, credit cards can be scary! But they don’t need to be. And credit cards can help you reach a lot of your goals (like someday renting your own place). This week, Yanely Espinal chats with TikTok finance influencer John Eringman (aka John E. Finance) about how to decide if you’re ready to get your first credit card.   Think you’re financially inclined? Dig deeper into credit cards. Compare credit card features with NerdWallet  Learn more about building credit history with this guide from Investopedia Check out related Marketplace stories here Are you in an educational setting? Here’s a handy listening guide This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account at http://ww.greenlight.com/inclined.

Buying your first car can be intimidating. There are so many options! Do you go to a dealership? Should you find a used car on Craigslist? Should you get a car loan through a bank or credit union? Journalist and car expert Matt Hardigree breaks it all down in this episode. His first tip: make sure you get something that you absolutely love. Think you’re financially inclined? Check out these car-shopping tools: Look into some car reliability ratings from Consumer Reports Find a car’s value with Kelley Blue Book Are you in an educational setting? Check out this listening guide This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account at http://ww.greenlight.com/inclined.

Maybe you’ve got a little cash from that babysitting gig, a part-time job or even some birthday money. Now would be a great time to have a budget, which is basically a plan for how you want to spend (or save) your money. This week, Yanely Espinal talks with Berna Anat, the internet’s Financial Hype Woman (yes, that’s her job title) about some easy and practical ways to budget (spoiler alert: Astrology is involved). Think you’re financially inclined? Give budgeting a try: Make a monthly 50/30/20 budget with this calculator from NerdWallet Check out this zero-based budget guide from Best Wallet Hacks Watch an example of the cash envelope method on TikTok Take a look at Berna Anat’s new book, “Money Out Loud” Are you in an educational setting? Check out this listening guide and this worksheet. This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account at http://ww.greenlight.com/inclined.

“Financially Inclined” is all about money lessons for living life your own way. Every week, financial literacy advocate Yanely Espinal makes learning about money simple, so you can make the most of your life. Because while money can’t buy you happiness, it definitely can’t hurt. This show was created by Marketplace in collaboration with Next Gen Personal Finance. This episode is sponsored by Greenlight, the money app for teens — with investing.