Financially Inclined
Financially Inclined is a podcast about money lessons for living life on your own terms. Each week, financial literacy advocate Yanely Espinal makes learning about money simple and accessible. The show aims to help listeners make the most of their lives, acknowledging that while money cannot buy happiness, it can still play an important role. It is created by Marketplace in collaboration with Next Gen Personal Finance.
Episodes
"It's giving me the ick": Dating and money
Ever had an awkward encounter around money while dating? Host Yanely Espinal speaks with author and financial therapist Aja Evans about how to have better money conversations in your romantic life.Think you’re financially inclined? Dig deeper into money and dating:- More suggestions for how to talk about money while dating from Ellevest - Grow your financial intimacy with NPR’s “Life Kit”
How to negotiate
How do you get what you want and the pay you deserve? Host Yanely Espinal talks with career coach and personal finance writer Mandi Woodruff-Santos about the ins and outs of negotiation and how to start building these skills long before your first job offer. Think you’re financially inclined? Dig deeper into negotiation:Some helpful questions you might consider before going into a negotia
“Try before you buy” with an internship
How do you decide what job is right for you? Host Yanely Espinal talks to early-career coach and consultant Jade Walters about the value of internships and how to find, get and excel in them. Think you’re financially inclined? Dig deeper into internships:Advice for landing your dream internshipHow to make sure your internship is worth your timeAdditional tips for making the most of your i
Going green with your money
Want to make a difference with your money? In this episode, host Yanely Espinal speaks with author and financial educator Kara Perez about how to align your money with your values. Perez gets into the ways that you can spend, save, and invest based on what matters to you. Think you’re financially inclined? Dig deeper into making change with your money: Learn more about sustainable invest
Paying for college
Not sure how you’re going to pay for college? Host Yanely Espinal talks with college counselor Teng Yang about the different funding options available to students, and what they should watch out for when making their decisions. Think you’re financially inclined? Dig deeper into how to pay for college:Check out this worksheet to compare financial aid offers, from the National Association o
College is a financial decision
Do you get stressed out thinking about life after high school? Host Yanely Espinal talks to college counselor Ralph Johnson about choosing the right path for you and thinking of this as an important financial decision. They discuss the pros and cons of different types of colleges and the criteria you should consider when deciding where to go. Think you’re financially inclined? Dig deeper
Entering your entrepreneur era
Want to be your own boss? In this episode, host Yanely Espinal talks to attorney-turned-entrepreneur Sam Vander Wielen about the basics of setting up a new business and what you need to know to protect yourself as a business owner. She shares some useful resources that can help you along the way. We also hear from 21-year-old Leslie Zuñiga about what she learned from starting her own nail
Who’s paying for this?
Does talking about money make you uncomfortable? In this episode, host Yanely Espinal talks with author Erin Lowry about how to approach awkward money conversations. They discuss everything from splitting costs to loaning friends and family money to etiquette around payment apps like Venmo. Think you’re financially inclined? Dig deeper into understanding how to have tough money talks:Lea
“Financially Inclined” is back for Season 4
Host and financial literacy advocate Yanely Espinal is back for Season 4 to get the answers to your money questions and set you up to succeed . This season, we’ll be discussing everything from launching your own business to paying for college. We dig into negotiation techniques and teach you how to navigate tricky money conversations with friends and family. You don’t want to miss it! Thi
Dinking around: The rise of pickleball, from “Sportly”
This week, we’re sharing an episode from another podcast we think you’ll love. In this episode of “Sportly” from Immigrantly Media, host Kavitha Davidson dives into the quirky origins of pickleball, exploring how this simple backyard game has become America’s fastest-growing sport. Davidson uncovers the story behind the paddle — from its humble beginnings on Bainbridge Island, Washington,
Beware of guarantees
Host Yanely Espinal talks with Kevin Matthews, financial educator and author, about how to find financial advice you can trust. Think you’re financially inclined? Dig deeper into how to evaluate financial advice:Protect yourself from social media “finfluencers”More tips for choosing a financial adviserQuestions to ask a financial adviserHow to get cheap or free financial adviceAre you in
How online scammers hijack your brain
Scammers are good at manipulating teens. Join host Yanely Espinal and Proofpoint’s Selena Larson to learn how to stay ahead of the scammers. Think you’re financially inclined? Dig deeper into the world of cybersecurity:This article in Vox talks about the prevalence of scams amongst Gen ZLearn about common types of scams4 online scams teens are falling for and how to avoid themAre you in a
The dangers of online gambling
Just because online gambling is now legal and endorsed by sports teams doesn’t mean it’s safe. Journalist Danny Funt gets into it with host Yanely Espinal. Think you’re financially inclined? Dig deeper into the risks of online gambling:Just how common is gambling these days? A story of overcoming gambling addiction If you or someone you know needs help with a gambling problem, call the Na
What’s your financial GPA?
Credit scores may seem scary and confusing, but they don’t have to be! Yanely Espinal sits down with financial therapist and money coach Jasmine Ramirez to talk about what a credit score is, how they’re calculated and what you can do to keep yours high. Think you’re financially inclined? Dig deeper into credit scores:Understand how your credit score is calculatedLearn more about how your
What to consider before buying those shoes
Before you drop your hard-earned cash on something big, stop and think it through. Yanely Espinal talks to financial educator Mykail James about how to be more intentional when making big purchases in your life, and what to do if you have regrets afterward. Think you’re financially inclined? Dig deeper into the world of smart purchasing:Read more on impulse buyingA psychologist’s tips fo
Don’t be fooled by dark patterns!
Host Yanely Espinal talks with professor Jasmine McNealy about “dark patterns” that manipulate us online: what they are, where to look for them and how to protect yourself. Think you’re financially inclined? Dig deeper into dark patterns:Learn about all things dark pattern from Deceptive Patterns Listen to the role of dark patterns in e-commerce at Marketplace Read about how laws and regu
How our brains mess with our money
Our decisions about money don’t always make logical sense. Financial therapist Lindsay Bryan-Podvin helps us understand why, and how you can hack your brain to make smarter money choices. Think you’re financially inclined? Dig deeper into the psychology of spending:The ultimatum game shows us how we think about moneyCheck out this NerdWallet explainer for more about financial therapyLight
From piggy bank to savings account
In this episode, host Yanely Espinal talks banking with money educator Sahirenys Ortega Pierce. They go over key differences between types of banks, what factors to consider when choosing the right account for you, and what you need to open your first account.Think you’re financially inclined? Dig deeper into the world of banking:Learn more about banking 101 from InvestopediaFamiliarize y
“Financially Inclined” is back for Season 3
Host and financial literacy advocate Yanely Espinal is back for another season of the money lessons we wish we learned earlier — the ones that can help us live life on our own terms. This season, we’ll share essential info about bank accounts, gambling, scams, and how our brains can mess with our money. New episodes starting Aug. 16.This podcast is presented in partnership with Greenlight
First-gen finances
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 entreprene
This guy loves taxes!
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
Making the workforce work for you
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 jobSome free resume templates Learn to write a cover le
What you need to know about crypto
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 kn
The reality of becoming an influencer
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 viewsBlack influencers are paid less than white influen
Make student loans work for you
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
Saving money for the life you want
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 NerdWalletHere are some free savings trackers you can printLook at t
Tips for winning college scholarships
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 d
“Financially Inclined” is back for Season 2
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:
Here’s what you need to know before investing in the stock market
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 Com
How emotions affect your money
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 bet
When to use buy now, pay later services
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 watc
Credit card tips for beginners
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 card
Buying your first car
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 thes
How To Budget
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 ale
Introducing “Financially Inclined From Marketplace”
“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
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