Two Cents

In this episode of Two Cents, we discuss the "not so shocking" UnitedHealthcare CEO case and what it reveals about pay inequality in the healthcare industry between executives and medical professionals. James shares his own experience navigating healthcare without insurance, and Hannah breaks down her research into healthcare CEO backgrounds and whether or not their pay represents their skillsets. What are your thoughts on pay in the healthcare industry? Let us know in the comments! And if you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚 Thanks to our newest sponsor, Public! Learn more at Public.com/STS *A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow James: ⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠⁠⁠⁠⁠ Episode breakdown: 0:00 Intro 0:51 UnitedHealthcare CEO case 1:30 Thanks to our sponsor, Public! 2:32 Hannah's hot take 2:50 James' tooth pain 4:49 "I need to go home, and this isn't a joke." 5:50 "This is insane...THAT SAME DAY" 7:15 Thanks to this organization 💝 8:11 Looking at the case from the lens of pay 10:30 The CEO is liable for Luigi's denied claim 13:30 How much do healthcare CEOs make? 15:03 Why do these CEOs make this much? 15:45 *Correction* Bachelors in Finance not Business 16:18 MBA Median Salary: $115,000 (2021, Coursera) 16:43 Cardiac Anesthesiologist Interview: https://youtu.be/my4BFfUP2yk?si=13TsQz3S_-xKWu_a 18:45 Pay inequality in the healthcare system 19:46 Workers with Disabilities Interview: https://www.tiktok.com/@salarytransparentstreet/video/7240862438487330090 21:48 Can we have more ethical capitalism? 23:30 Community is everything 24:00 Send us an email: twocents@salarytransparentstreet.csom #twocentspodcast #salarytransparentstreet #twocentspod #howmuchdoyoumake #salarytransparency #paytransparency #unitedhealthcare #unitedhealthcareceo #luigimangione #healthcarepay

Got money trauma? So do we! In this episode of Two Cents, hosts Hannah Williams and James Daniels break down their biggest money traumas and where those issues stem from. Plus, they break down how they work together as a couple to combat negative side effects and keep each other in check. What money trauma do you have? Let us know in the comments! And if you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚 Thanks to our newest sponsor, Public! Learn more at Public.com/STS *A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow James: ⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠⁠⁠⁠ Episode breakdown: 0:00 Intro 1:26 Thanks to our sponsor, Public! 2:31 "I'll hold your $10." 6:38 Guilt buying things not on sale 11:22 Indulging in experiences 13:53 Is debt part of the "American dream"? 21:20 How our money trauma helps us navigate our finances 22:00 We're expanding our family... 24:16 See you next week! #twocentspodcast #salarytransparentstreet #twocentspod #howmuchdoyoumake #salarytransparency #paytransparency #moneytrauma

In this episode of Two Cents, we tackle one of the most controversial questions surrounding salary transparency: Can you get fired for sharing your pay? We share a recent true story from our Salary Transparent Street interviews, including what happens when employers see their workers on camera. Plus, we discuss the importance of knowing your rights, when to be cautious about transparency, and why we built our salary database (link below). Whether you're considering speaking up about your pay or just curious about the impact of salary transparency, this episode is packed with real stories and actionable advice. Don't miss it! Explore our salary database: https://www.salarytransparentstreet.com/salary-database Can you legally talk about your pay? Find out: https://youtu.be/7lslNDhlI3M?si=WrT39JqREnCx3N0t Check out our 2024 Spotify Wrapped: https://www.instagram.com/p/DDLCT_VJu8d/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA== And if you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚 Thanks to our newest sponsor, Public! Learn more at Public.com/STS *A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠ Follow James: ⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠⁠⁠ Episode breakdown: 0:00 Intro 1:18 Thanks to our sponsor, Public! 2:24 Has anyone ever been fired for appearing on STS? 3:16 Interviewing in Boston 6:30 What's our interview process? 8:40 "Enough people had seen it in 2 hours." 8:55 What did we do? 10:30 "There's no reason her employer should be upset UNLESS..." 12:40 You don't need to be on STS to be transparent 13:15 When you should be careful about being transparent 13:45 Why we built our salary database 15:10 Does this mean you shouldn't talk about your pay? 16:20 Know your rights as an employee 17:50 What's next for Two Cents? #twocentspodcast #salarytransparentstreet #twocentspod #howmuchdoyoumake #salarytransparency #paytransparency #workersrights

In this episode of Two Cents, James shares exciting news, and we dive into the dynamics of being a breadwinner, looking back at our earnings over the past 7 years of our relationship for reference. We debate how couples should split finances and explore the importance of honesty about big financial decisions. From navigating combined finances in marriage to the pressures of the breadwinner label, we discuss it all. And if you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚 Thanks to our sponsor, Public! Learn more at Public.com/STS A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠ Follow James: ⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠⁠⁠ Episode breakdown: 0:00 Talking about breadwinners 0:33 Thanks to our sponsor, Public! 2:12 James' big announcement 5:20 Marriage and combined finances 7:15 How our pay has evolved in our relationship 14:27 Does the breadwinner label create unnecessary pressure? 18:31 How should finances be split? 25:30 Breadwinner PSA 26:35 "People don't think work is important unless it makes money." 28:12 Have you ever hidden a big financial decision from your partner? 35:25 Importance of being open-minded #twocentspodcast #salarytransparentstreet #twocentspod #howmuchdoyoumake #salarytransparency #budgetasacouple #marriedbudget #paytransparency #moneyhabits #breadwinner #moneyinrelationships

Welcome to our financial roast! 🦃 From bulk ordering woes and forgetful spending to costly orthodontic journeys and unexpected money pits, we "thoughtfully" roast each other's financial habits. Hannah shares her struggles with remembering expenses (and losing $3,000 on orthodontics), while James reflects on unhealthy habits and his costly love for motorcycles! Our goal? To reflect on our money values, address financial trauma, and work together to improve our worst financial habits. 🤝 Don’t miss this honest, relatable (and slightly embarrassing) look at how we navigate money as a married couple. 👉 What’s your worst financial habit that you'd like to improve in the new year? Let us know in the comments! And if you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚 Thanks to our newest sponsor, Public! Learn more at Public.com/STS A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠ ⁠Facebook⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠ Follow James: ⁠Instagram⁠⁠⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠⁠ Episode breakdown: 0:00 Intro 1:06 This week's topic: a financial roast 2:03 Thanks to this week's sponsor, Public! 3;50 Hannah's bulk ordering problem 6:10 James' unhealthy habits 8:05 Hannah's forgetful memory is costing her... 11;27 "You will ruin brand new clothes." 13:59 Hannah lost $3,000 on her orthodontics journey 16:15 Is Invisalign worth it, and how does it compare? 17:17 Being a Mechanic is a money pit 18:55 "I feel like you're cheating on me with your bike" 19:50 Which is better: a Mechanic or a Technician? 21:00 Who spent more? Hannah on purses, or James on motorcycles? 24:35 Discussing our financial habits lets us understand each other's values and money trauma 25:30 Next week: James' pay rate 26:07 What financial habits can you improve in the new year? #twocentspodcast #salarytransparentstreet #twocentspod #howmuchdoyoumake #salarytransparency #budgetasacouple #marriedbudget #paytransparency #moneyhabits #financialroast #thanksgivingepisode #financialhabits #badhabits

The 2024 election is over...now what? In this episode, Hannah and James break down what’s next for your wallets by exploring the election's impact on the economy, particularly tariffs, taxes, housing, and jobs. We'll cover which items might become more expensive, how mortgage rates are reacting, and what you can do to set yourself up for success in the job market. Thank you so much for tuning in! If you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚 And thanks to our newest sponsor, Public! Learn more at Public.com/STS A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠ ⁠Facebook⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠ Follow James: ⁠Instagram⁠⁠⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠⁠ Episode breakdown: 1:48 In this episode... 2:56 Thank you, Public! 6:50 TARIFFS 8:09 What items will be impacted? 10:30 Consequences of increased tariffs 12:10 TAXES 14:30 HOUSING 16:22 How are bonds related to mortgages? 16:55 JOBS 18:40 Negative impacts to the job market 23:00 Positive impacts to the job market 28:30 Are we worried as content creators? 29:45 How are we preparing for 2025? 32:05 Watching Warren Buffett 35:00 Should you start looking for a new job? 37:00 Are we leaving the country? #twocentspodcast #salarytransparentstreet #twocentspod #howmuchdoyoumake #salarytransparency #2024election #electionresults #uselection #presidentialelection #couplesfinances

Ever wondered how much it really costs to have a multi-pet household? In this episode of Two Cents, we break down the expenses of caring for our four furry family members—two dogs and two cats. From adoption fees and insurance to the monthly food bill and those inevitable surprise vet visits, we’ll dive into the real price of pet ownership. Whether you're a pet parent or thinking of becoming one, tune in to get a transparent look at the financial side of life with four paws...times four! Thank you so much for tuning in! If you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚 And thanks to our newest sponsor, Public! Learn more at Public.com/STS A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠ ⁠Facebook⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠ Follow James: ⁠Instagram⁠⁠⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠⁠ Episode breakdown: 0:00 Intro 0:54 Public Ad 2:05 Our first dog: Quinn 6:21 Why Quinn was more expensive 8:56 Don't go cheap on this 10:44 How training went wrong 13:51 Our first cats: Murphy and Mischief 19:30 Our second dog: Semi 24:08 How much do 4 pets cost? 25:10 Insurance with Lemonade 27:05 Unexpected medical costs 33:19 Miscellaneous expenses 35:15 Our best recommendations #twocentspodcast #salarytransparentstreet #twocentspod #howmuchdoyoumake #salarytransparency #petcosts #howmuchdopetscost #howmuchdodogscost #howmuchdocatscost

In this highly anticipated episode, we dive into our $605,000 home-buying journey. 🏡 You won't want to miss this if you're considering a home purchase or simply curious! We break down why we decided it was the right time to buy and all the financial details, including how much we really spent using the VA Home Loan and why we're paying $300K more than our home value. We'll also share what we learned from putting $30K into the property, our regrets, and yes—even the part where we discovered our house is sinking. We wrap up with some tips and recommendations to help you save on interest and pay off your home faster. Thank you so much for tuning in! If you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚 And thanks to our newest sponsor, Public! Learn more at Public.com/STS A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠ Facebook⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ TikTok⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠ Follow James: Instagram⁠⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠ Episode breakdown: 0:00 Intro 1:02 PUBLIC 🥳 2:19 We bought a home! 2:30 Why did we decide to buy a home? 6:14 Our turning point 9:03 Hannah's issue with flipping homes 9:59 Searching for the perfect home 15:28 Breaking down the finances of a $605,000 house purchase 16:20 What makes the VA Home Loan different? 20:05 Why we're paying $300K more than the value of the home? 21:47 How we spent $30K on the home 23:40 Do we regret buying our house? 24:32 Our house is sinking 26:55 What we recommend if you're looking to buy a home 30:22 The pros of renting 32:35 The cons of renting 35:02 The pros of owning 37:47 The cons of owning 43:23 Final recommendations 43:45 How to pay less interest and pay your home off faster 49:40 Red flags to look out for 55:55 Don't forget about these resources! #twocentspodcast #salarytransparentstreet #twocentspod #howmuchdoyoumake #salarytransparency #budgetasacouple #marriedbudget #paytransparency #homebuyingexperience #weboughtahome #howweboughtahome #realestate

Happy Halloween! 🎃 In this spooky episode, we're sharing some of our workplace horror stories! From creepy critters in espresso machines to injuries on the job, we've experienced a lot in our careers. Tune in to hear what we learned from these experiences and why it's so important to know your rights in the workplace (HINT: protect yourself)!🦇 If you liked this episode, we’d greatly appreciate it if you gave us a follow and a review! Thanks, H & J 💚 Thanks to our newest sponsor, Public! 🎉 Learn more at Public.com/STS A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠ Follow James: ​⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠⁠⁠ Episode breakdown: 0:00 Intro 0:10 PUBLIC AD 1:18 Workplace trauma 4:05 Marine Corps boot camp isn't fun! 7:01 "I've never seen this side of you!" 8:54 Don't go to the head 😢 10:34 This lived in the Starbucks espresso machine... 12:56 That was definitely a violation 13:45 She physically restrained me from leaving 18:30 They took my commission... 23:19 My life could look very different today 23:35 I had 5 jobs at the same time 26:14 I made $1,000/week at this job 28:56 I heard a roar, and looked down... 31:04 They gaslit me into thinking it was my fault 33:20 The door swings open as I bend down 35:08 The reason we started Salary Transparent Street 39:25 I found out I was underpaid $25,000 43:20 They're not the right company for you 44:30 The importance of knowing your rights 45:56 He tried to scare me into not saying anything 46:30 Let us know your workplace traumas! #twocentspodcast #salarytransparentstreet #twocentspod #salarytransparency #streetinterviewer #streetinterviewers #workplacehorrorstories #workstories

An established tech boot camp asked us to do something unethical, and we're spilling the tea. From how much we gave up on this brand deal to exposing other street interviewers for betraying the trust of their followers, we're spilling the tea and giving you our two cents on how to protect yourself from scammy street interviewers. If you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚 Thanks to our newest sponsor, Public! Learn more at Public.com/STS A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠ Follow James: ​⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠⁠ Episode breakdown: 0:00 Intro 0:56 PUBLIC AD 2:27 Answering follow-up questions from our budgeting video 3:26 Why is child support so high? 5:26 Do we have debt on our credit card? 7:35 "You still didn't answer this..." 9:10 WE'RE CHARTING! 13:17 Spilling the tea 20:44 "Can you interview an actor?" 25:20 Always do your research 26:30 How much did we give up from this brand deal 28:48 "I hired him and he scammed me" 31:15 Our advice to current and aspiring street interviewers 31:50 Hawk Tuah! 32:50 How to avoid street interviewers 34:09 Don't ever do a street interview without this! 35:11 Conclusion #twocentspodcast #salarytransparentstreet #twocentspod #salarytransparency #streetinterviewer #streetinterviewers #publicinterview #contentcreator #exposingcontentcreators

We get asked how much we make all the time! So we're taking it a step further and sharing not just how much we make but also where those different income streams come from, our various expenses, and more! If you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚 Thanks to our newest sponsor, Public! Learn more at Public.com/STS A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Links: 🍋🐶 ⁠Lemonade⁠ 🌴 ⁠Register for Coral Gables Workshop⁠ 💚 ⁠Register for Richmond Workshop⁠ 🫖 ⁠Register for Boston Workshop⁠ 🏛️ ⁠Register for Georgetown Workshop⁠ Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠ Follow James: ​⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠ Episode breakdown: Chapters: 0:00 Intro 2:08 What luxury means to us 3:55 PUBLIC 🥳 5:55 Breaking down Hannah's paycheck 8:40 Breaking down James' paycheck 13:09 Our total monthly income, post-tax 11:40 What's our largest monthly expense? 14:34 Breaking down our expenses (utilities, debt, etc.) 18:12 Our total debt 20:36 How much do our 4 pets cost? 21:03 What do we do with our extra income? 22:22 Total expenses 27:50 How we made $1M on social media 29:11 What questions do you have? #twocentspodcast #salarytransparentstreet #twocentspod #howmuchdoyoumake #salarytransparency #budgetwithme #budgetasacouple #marriedbudget #paytransparency

It’s our wedding anniversary! 💍🥰To celebrate, we’re finally answering your burning questions about our wedding, and giving you the backstory behind all our financial decisions on our special day.Tune in to hear why people thought we got ripped off by our photographer, what we regretted spending on, how we cut costs on our favorite things, and what we have to say to the haters. ☕️ If you’re married, how much did you spend on your wedding? Let us know in our community poll!And if you liked this episode, we’d appreciate if you gave us a follow and a review! If you have any questions, please don’t hesitate to send us an email at twocents@salarytransparentstreet.com. Thanks! 💚Link to original video 💒Links to all our wedding vendors:Photography: Nicole Simensky Dress: Lulu’s Suit: Men’s WearhouseVenues: Gravelly Point, Spider Kelly’sMacaron Tower: Sweets By Caroline Bouquet: Etsy Temporary tattoos: Etsy Follow Salary Transparent Street:​⁠⁠⁠Instagram⁠⁠⁠​⁠⁠⁠TikTok⁠⁠⁠​⁠⁠⁠YouTube⁠⁠⁠​⁠⁠⁠Facebook⁠⁠⁠​⁠⁠⁠Snapchat⁠⁠⁠Follow Hannah:​⁠⁠⁠Instagram⁠⁠⁠​⁠⁠⁠TikTok⁠⁠⁠​⁠⁠⁠LinkedIn⁠⁠⁠Follow James:​⁠⁠⁠Instagram⁠⁠Edited by ⁠⁠⁠Amanda Deisler⁠⁠⁠Graphics by ⁠⁠⁠Nhu NguyenEpisode breakdown:0:00 Intro1:31 Wedding cost breakdown2:31 Our newest hire: DREA!3:13 What about our household and housing budget?4:08 What’s the average cost of a wedding in the US?5:00 Our total wedding budget5:38 What cost $0?7:50 Did we get ripped off by our photographer?9:35 How long were we engaged?12:15 How many people did we invite?12:40 Our highest cost15:07 “We didn’t get any help…”15:30 Answering your questions16:40 Addressing the racist comments we received18:27 Why were there no black people at the wedding?20:42 Why was Hannah’s wedding dress so cheap?22:02 Why were people outraged about James’ suit?23:32 Textbook financial sexism25:44 Hannah’s bouquet fooled everyone27:02 What did we regret spending on?28:40 What was worth spending on?29:40 How we brought our pets to the wedding30:36 Cheap and fun additions we loved32:21 Why didn’t we do a destination wedding?33:01 Final thoughts and takeaways#twocents #twocentsbysalarytransparentstreet #twocentspodcast #twocentsbysts #weddingcosts #weddingcostbreakdown #weddingregrets #howmuchdidourweddingcost

Tune in to hear our two cents on this important question: Is college worth it? Plus, we break down how we almost missed our flight on a recent tour stop, what we learned at the IBEW International Women's Conference (you'll want to hear this 🤔), and nontraditional jobs you can do without a college degree.🎠 Watch our interviews from The Big E here.💡 Explore roles with the IBEW here.🤳 Listen to our social media best practices here.0:00 Intro1:14 Recapping The Big E4:11 This was the most nerve-wracking experience...9:29 "Our plane leaves in an hour" 😳16:55 Recapping IBEW International Women's Conference20:00 Why is union pay different?21:50 If we weren't doing this, we'd be...23:19 How women are different than men26:10 More people should be looking into this26:52 Other jobs you can do without a degree35:15 Is college worth it? We want to hear your two cents! Leave us a comment on YouTube or Spotify, or send us an email at twocents@salarytransparentstreet.com 💚If you liked this episode, please leave a review, and share this episode with your friends! Follow Salary Transparent Street:​⁠⁠Instagram⁠⁠​⁠⁠TikTok⁠⁠​⁠⁠YouTube⁠⁠​⁠⁠Facebook⁠⁠​⁠⁠Snapchat⁠⁠Follow Hannah:​⁠⁠Instagram⁠⁠​⁠⁠TikTok⁠⁠​⁠⁠LinkedIn⁠⁠Follow James:​⁠⁠Instagram⁠Edited by ⁠⁠Amanda Deisler⁠⁠Graphics by ⁠⁠Nhu Nguyen

In this episode, we give our two cents on whether purchasing WNBA season tickets was worth the investment and share our experience as fans. Plus, we react to the salaries of this year's presidential candidates, discussing what their earnings reveal about their budgets (and character). Tune in for a candid discussion on the intersection of sports, money, and politics! We want to hear your two cents! Leave us a comment on YouTube or Spotify, or send us an email at twocents@salarytransparentstreet.com 💚 If you liked this episode, please leave a review, and share this episode with your friends! Follow Salary Transparent Street: ⁠Instagram⁠ ⁠TikTok⁠ ⁠YouTube⁠ ⁠Facebook⁠ ⁠Snapchat⁠ Follow Hannah: ⁠Instagram⁠ ⁠TikTok⁠ ⁠LinkedIn⁠ Follow James: ⁠Instagram Edited by ⁠Amanda Deisler⁠ Graphics by ⁠Nhu Nguyen

In this lighthearted episode, we're kicking off our tour with some of our favorite tales from past tours! Hear how we got stranded on a highway during rush hour, why Vegas is the worst state we've done interviews in, our run-ins with celebrities, and more! We want to hear your two cents! Leave us a comment on YouTube or Spotify, or send us an email at twocents@salarytransparentstreet.com 💚 If you liked this episode, please leave a review, and share this episode with your friends! Follow Salary Transparent Street: ⁠⁠Instagram⁠⁠ ⁠⁠TikTok⁠⁠ ⁠⁠YouTube⁠⁠ ⁠⁠Facebook⁠⁠ ⁠⁠Snapchat⁠⁠ Follow Hannah: ⁠⁠Instagram⁠⁠ ⁠⁠TikTok⁠⁠ ⁠⁠LinkedIn⁠⁠ Follow James: ⁠⁠Instagram Edited by Amanda Deisler Graphics by Nhu Nguyen

In this episode, we dive into the looming senior care crisis every American should be ready for and expose how costly senior living can be. Plus, we share our top tips for kicking off your social media journey—and we have a special announcement at the end! ⁠Follow Grandma Droniak on TikTok⁠ We want to hear your two cents! Leave us a comment on YouTube or Spotify, or send us an email at twocents@salarytransparentstreet.com 💚 If you liked this episode, please leave a review, and share this episode with your friends! Follow Salary Transparent Street: ⁠Instagram⁠ ⁠TikTok⁠ ⁠YouTube⁠ ⁠Facebook⁠ ⁠Snapchat⁠ Follow Hannah: ⁠Instagram⁠ ⁠TikTok⁠ ⁠LinkedIn⁠ Follow James: ⁠Instagram Edited by ⁠Amanda Deisler⁠ Graphics by ⁠Nhu Nguyen⁠

We are so touched by the support and positive feedback we received after launching our podcast last week! We had NO IDEA it would be this well-received. Today, we learned we're charting #38 on the Spotify Top Business Podcasts! 🤯 That's thanks to you! 🫵 Thank you so much for listening, and "Hello!" to all our new subscribers! 👋 We want to hear your two cents! Leave us a comment below 👇or send us an email at twocents@salarytransparentstreet.com. We'll directly answer and feature a handful next week 💚 In this episode, we're giving our two cents on: 3:05 - Is this show hypocritical? 🤔 8:39 - How did we decide who would be CEO of Salary Transparent Street? 👑 12:37 - Apologizing: Is $200K enough to live on? 💸 18:40 - Reacting to the 'not-so-demure' trademark scandal 😡 25:09 - How much did our Salary Transparent Street trademark cost? 🤑 27:55 - Why your salary might be robbing you 😳 If you suspect your employer has acted illegally against you, please get in touch with the National Labor Relations Board 👉 https://www.nlrb.gov/contact-us Brought to you by  @SalaryTransparentStreet  Graphics designed by Nhu Nguyen Dowling (https://www.brandnhu.com/) Edited by Amanda Deisler (https://www.amandadeisler.net/) Follow STS on all socials @SalaryTransparentStreet Follow Hannah on IG @thatmoneystreetgirl, TikTok @hannahwill3ams Follow James on IG @sts.btc #twocentspodcast #salarytransparentstreet #twocentspod #howmuchdoyoumake #salarytransparency

In this episode, we spill the tea on copycats and our income! How do we really feel about accounts that copy us? And why did a recent interaction with a copycat leave a bad taste in our mouths? We also tackle the number one question you all wanted to know last week: How much do we really make? And is James underpaid? Tune in for candid discussions about originality, the impact of imitation, and a no-holds-barred look at our paychecks. We want to hear your two cents! Leave us a comment on YouTube or Spotify, or send us an email at twocents@salarytransparentstreet.com 💚 If you liked this episode, please leave a review, and share this episode with your friends! Follow Salary Transparent Street: Instagram TikTok YouTube Facebook Snapchat Follow Hannah: Instagram TikTok LinkedIn Follow James: Instagram

Welcome to Two Cents! Join us (Hannah Williams and James Daniels of Salary Transparent Street) as we spill the beans on what it was like to visit The White House! We answer all your burning questions, like: Were we paid to attend? Did we have to sign an NDA? And why did Hannah get smacked in the face? Tune in to get a peek behind the curtain of our professional and personal lives! What should we talk about next? Send us an email (hello@salarytransparentstreet.com), or a DM on our Instagram channel, @SalaryTransparentStreet. See you next week!