Jill on Money with Jill Schlesinger

When fast-scaling startups and global organizations get stuck, they call our latest guest, Aaron Dignan. In his recently released book, Brave New Work: Are You Ready to Reinvent Your Organization?, Dignan reveals his proven approach for eliminating red tape, dissolving bureaucracy, and doing the best work of your life.He’s found that nearly everyone, from Wall Street to Silicon Valley, points to the same frustrations: lack of trust, bottlenecks in decision making, siloed functions and teams, meeting and email overload, tiresome budgeting, short-term thinking, and more.Is there any hope for a solution? Haven’t countless business gurus promised the answer, yet changed almost nothing about the way we work?That’s because we fail to recognize that organizations aren’t machines to be predicted and controlled. They’re complex human systems full of potential waiting to be released.Dignan says you can’t fix a team, department, or organization by tinkering around the edges. Over the years, he has helped his clients completely reinvent their operating systems, the fundamental principles and practices that shape their culture, with extraordinary success.In Brave New Work you’ll learn exactly how organizations are inventing a smarter, healthier, and more effective way to work. Not through top down mandates, but through a groundswell of autonomy, trust, and transparency.Have a money question? Email me here.We love feedback so please leave us a rating or review in Apple Podcasts."Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.Connect with me at these places for all my content:http://www.jillonmoney.com/ https://twitter.com/jillonmoney https://www.facebook.com/JillonMoney https://www.instagram.com/jillonmoney/ https://www.youtube.com/c/JillSchlesinger https://www.linkedin.com/in/jillonmoney/ https://www.stitcher.com/podcast/jill-on-moneyhttps://apple.co/2pmVi50 To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

What should the priority be in regards to our personal finance game-plan? Should we be focusing on one thing specifically or doing a little bit of everything? That's the discussion on the latest call of the week with Joe from Minnesota. Have a money question? Email me here.We love feedback so please leave us a rating or review in Apple Podcasts.Connect with me at these places for all my content:https://www.jillonmoney.com/https://twitter.com/jillonmoneyhttps://www.facebook.com/JillonMoney https://www.instagram.com/jillonmoney/ https://www.youtube.com/c/JillSchlesinger https://www.linkedin.com/in/jillonmoney/ https://www.stitcher.com/podcast/jill-on-moneyhttps://apple.co/2pmVi50"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Since 1973, our productivity has grown almost six times faster than our wages. Most of us rank so far below the top earners in the country that the "winners" might as well inhabit another planet. But work is about much more than earning a living. Work gives us our identity, and a sense of purpose and place in this world. And yet, work as we know it is under siege. Joining us today to discuss is Ellen Ruppel Shell, author of The Job: Work and Its Future in a Time of Radical Change. Through exhaustive reporting and keen analysis, The Job reveals the startling truths and unveils the pervasive myths that have colored our thinking on one of the most urgent issues of our day: how to build good work in a globalized and digitalized world where middle class jobs seem to be slipping away. Traveling from deep in Appalachia to the heart of the Midwestern rust belt, from a struggling custom clothing maker in Massachusetts to a thriving co-working center in Minnesota, Shell presents evidence from a wide range of disciplines to show how our educational system, our politics, and our very sense of self have been held captive to and distorted by outdated notions of what it means to get and keep a good job. Work, in all its richness, complexity, rewards and pain, is essential for people to flourish. Ellen Ruppel Shell paints a compelling portrait of where we stand today, and points to a promising and hopeful way forward.Have a money question? Email me here.We love feedback so please leave us a rating or review in Apple Podcasts."Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.Connect with me at these places for all my content:http://www.jillonmoney.com/ https://twitter.com/jillonmoney https://www.facebook.com/JillonMoney https://www.instagram.com/jillonmoney/ https://www.youtube.com/c/JillSchlesinger https://www.linkedin.com/in/jillonmoney/ http://www.stitcher.com/podcast/jill-on-money https://apple.co/2pmVi50 To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

While it's true that interest rates for savings accounts and CDs are on the way up, that doesn't necessarily mean it's a good excuse to keep 200k sitting in the bank. That's the discussion with Jackie on the latest call of the week. Have a money question? Email me here.We love feedback so please leave us a rating or review in Apple Podcasts."Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.Connect with me at these places for all my content:http://www.jillonmoney.com/ https://twitter.com/jillonmoney https://www.facebook.com/JillonMoney https://www.instagram.com/jillonmoney/ https://www.youtube.com/c/JillSchlesinger https://www.linkedin.com/in/jillonmoney/ http://www.stitcher.com/podcast/jill-on-money https://apple.co/2pmVi50 To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

The February jobs report was a mixed bag. Let’s get the bad news out of the way: the economy added only 20,000 positions, the smallest gain since September 2017. The number was much lower than last year’s average monthly amount of 223,000 and far below expectations for 190,000.  What explains the drop? There is no single answer, but here to help us break it down is Chip Cutter, a reporter at the Wall Street Journal who recently worked on a story called, How America Works: Inside the Hottest Job Market in Half a Century. Some possible culprits include a statistical anomaly, exaggerated by seasonal oddities that are unlikely to persist; spooked employers, who sat on their hands as growth slowed in the beginning of the year amid the government shutdown; bad weather, which hurt construction and maybe just a weird one-off, much in the same way that the huge January number may have also been an outlier. In fact, if we take the first two months of the year, job creation averaged about 165,000, an amount that would be consistent with a slowing economy in Q1.However, there was also good news. Average hourly earnings increased by 3.4 percent from a year ago, the best annual gain in almost a decade (April 2009). Additionally, the headline unemployment rate returned to 3.8 percent, which is where it was before the government shutdown. Finally, the broad measure of unemployment (aka “U-6”, which includes unemployed; discouraged and marginally attached workers; and those who are working part-time, but seek full time) declined to 7.3 percent from 8.1 percent, its lowest point since December 2000. These numbers seem to indicate that the labor market may be slowing this year, but it is still relatively tight and healthy.Have a money question? Email me here.We love feedback so please leave us a rating or review in Apple Podcasts."Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.Connect with me at these places for all my content:http://www.jillonmoney.com/ https://twitter.com/jillonmoney https://www.facebook.com/JillonMoney https://www.instagram.com/jillonmoney/ https://www.youtube.com/c/JillSchlesinger https://www.linkedin.com/in/jillonmoney/ http://www.stitcher.com/podcast/jill-on-money https://apple.co/2pmVi50 To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

On the latest call of the week we're chatting with Russ, who wants to know if he's in a good position to retire early and what are some of the warning signs he should be looking for in case things don't go as planned. When you're thinking about early retirement you really want to make sure you have all your ducks in a row. A great call. Have a money question? Email me here.We love feedback so please leave us a rating or review in Apple Podcasts."Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.Connect with me at these places for all my content:http://www.jillonmoney.com/ https://twitter.com/jillonmoney https://www.facebook.com/JillonMoney https://www.instagram.com/jillonmoney/ https://www.youtube.com/c/JillSchlesinger https://www.linkedin.com/in/jillonmoney/ http://www.stitcher.com/podcast/jill-on-money https://apple.co/2pmVi50 To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

With tax season in full swing, it can only mean one thing. It’s time for our annual chat with Ed Slott, the ultimate tax guru, and founder of IRA Help.Here is your tax season boot camp for the first tax year of the Tax Cuts and Jobs Act (TCJA).Itemized vs. Standard Deduction: Every taxpayer needs to determine whether it makes sense to claim one of these two deductions, both of which reduce the amount of income subject to tax. TCJA nearly doubled the Standard Deduction to $12,000 for Single and Married Filing Separately, $24,000 for Married Filing Jointly and $18,000 for Head of Household. A couple of caveats on itemized deductions:Your total deduction for state and local income, sales and property taxes is limited to a combined, total deduction of $10,000 ($5,000 if Married Filing Separate). Any state and local taxes you paid above this amount cannot be deducted.The deduction for home mortgage and home equity interest was modified. It is now limited to interest you paid on a loan secured by your main home or second home that you used to buy, build, or substantially improve your main home or second home. So if you used a home equity loan or line of credit to pay off another debt, like a credit card or student loan, it would not be deductible.There is a new dollar limit on total qualified residence loan balances. If your loan was originated or treated as originating on or before Dec. 15, 2017, you may deduct interest on up to $1,000,000 ($500,000 if you are married filing separately) in qualifying debt. If your loan originated after that date, you may only deduct interest on up to $750,000 ($375,000 if you are married filing separately) in qualifying debt.Deduction for alimony is eliminated for agreements executed after December 31, 2018, or for any divorce or separation agreement executed on or before December 31, 2018, and modified after that date. In conjunction with this change, alimony and separate maintenance payments are no longer included in income based on these dates.Claim Credits: Now that personal exemptions have been eliminated, credits are even more important.The Child Tax Credit has increased to a maximum of $2,000 per qualifying child under the age of 17. Up to $1,400 of the credit can be refundable for each qualifying child as the additional child tax credit. In addition, the income threshold at which the child tax credit begins to phase out increased to $200,000, or $400,000 if married filing jointly.There are two different education credits available: the American Opportunity Tax Credit (formerly Hope Credit), which is partially refundable, and the Lifetime Learning Credit. Both may apply to expenses you pay for yourself, your spouse and any dependents.Have a money question?Have a money question? Email me here. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Drowning in student loans can make life difficult when you're trying to make it in the real world. That's the situation with Linda from the Bay Area, who desperately wants to buy a house and start a family. Have a money question? Email me here.We love feedback so please leave us a rating or review in Apple Podcasts."Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.Connect with me at these places for all my content:http://www.jillonmoney.com/ https://twitter.com/jillonmoney https://www.facebook.com/JillonMoney https://www.instagram.com/jillonmoney/ https://www.youtube.com/c/JillSchlesinger https://www.linkedin.com/in/jillonmoney/ http://www.stitcher.com/podcast/jill-on-money https://apple.co/2pmVi50 To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

When you’re interviewing people on a regular basis, sometimes there’s an instant connection. It happened when I met Chris Guillebeau and it happened when I met Sam Conniff Allende, author of Be More Pirate: Or How to Take on the World and Win. It was like reconnecting with a long-lost friend, which of course made for a very fun chat. In his tiny, sleek, little book, Conniff Allende unveils the innovative strategies of Golden Age pirates, drawing parallels between the tactics and teachings of legends like Henry Morgan and Blackbeard with modern rebels, like Elon Musk, Malala, and Banksy. Featuring takeaway sections and a guide to building your own pirate code 2.0, Be More Pirate will show you how to leave your mark on the 21st century.1. Rebel — Draw strength by standing up to the status quo.2. Rewrite — Bend, break, but most importantly, rewrite the rules.3. Reorganize — Collaborate to achieve scale, rather than growth.4. Redistribute — Fight for fairness, share power, and make an enemy of exploitation.5. Retell — Weaponize your story, then tell the hell out of it.Whatever your ambitions, ideas and challenges, Be More Pirate will help change the way you live, think, and work today, and tomorrow. So what are you waiting for? Join the rebellion.Have a money question? Email me here.We love feedback so please leave us a rating or review in Apple Podcasts."Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.Connect with me at these places for all my content:http://www.jillonmoney.com/ https://twitter.com/jillonmoney https://www.facebook.com/JillonMoney https://www.instagram.com/jillonmoney/ https://www.youtube.com/c/JillSchlesinger https://www.linkedin.com/in/jillonmoney/ http://www.stitcher.com/podcast/jill-on-money https://apple.co/2pmVi50 To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

You guys always hear me talking about how it's crucial to have an adequate emergency reserve for those unforeseen things that just seem to pop up. But where should it be kept? Is it okay to invest it? That's the discussion with Andrew from Atlanta on the latest episode. Have a money question? Email me here.We love feedback so please leave us a rating or review in Apple Podcasts."Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.Connect with me at these places for all my content:http://www.jillonmoney.com/ https://twitter.com/jillonmoney https://www.facebook.com/JillonMoney https://www.instagram.com/jillonmoney/ https://www.youtube.com/c/JillSchlesinger https://www.linkedin.com/in/jillonmoney/ http://www.stitcher.com/podcast/jill-on-money https://apple.co/2pmVi50 To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices