He Said She Said the Money Guide Podcast

Tune in and find out what is on the minds of two long-practicing, fee-only financial planners – Jay Furst and Certified Financial Planner ™ Cheryl Costa. Cheryl and Jay chat weekly about the markets and a wide range of personal finance topics.

Is Meta Big Tobacco (Episode 304) 03/31/2026

Is Meta Big Tobacco (Episode 304) A Class Action could be next. Two similar homes with very different costs to insure, don’t mess up your tax breaks and a car dealer’s worst nightmare. Plus it could be time for a credit freeze. /episode/index/show/hesaidshesaidthemoneyguide/id/40643385

Fertilizer Shortage (Episode 303) 03/17/2026

Fertilizer Shortage (Episode 303) Along with oil and gas, causing economic issues worldwide. Is recent volatility worrisome? Plus a college loan scam despite a credit freeze, OT taxation, Medicare Fraud causing a spike in healthcare and a jump in people raiding their 401(k)s. /episode/index/show/hesaidshesaidthemoneyguide/id/40496000

War in the Middle East (Episode 302) 03/04/2026

War in the Middle East (Episode 302) Is the US Attack on Iran Really an Attack on China? Personal savings rates on the decline, mortgage rates dip below 6% (briefly) and the surprise fee on car purchases. Plus home inheritance is the only chance for many. /episode/index/show/hesaidshesaidthemoneyguide/id/40311180

State of the Union (Episode 301) 02/25/2026

State of the Union (Episode 301) One host slept through it. Tariffs are illegal but still in place. Not a typo. A government savings plan for those without and estimated taxes are a pain. Yeah, no sh.. /episode/index/show/hesaidshesaidthemoneyguide/id/40231975

Gen Z Investing (Episode 300) 02/17/2026

Gen Z Investing (Episode 300) More in the market and less in real estate. The annual healthcare study, more on the CA billionaire’s tax and another hit to private equity. Plus state pensions investing in Strategy (oof) and the importance of a moat to protect your mega mansion. /episode/index/show/hesaidshesaidthemoneyguide/id/40144220

Dow 50K (Episode 299) 02/12/2026

Dow 50K (Episode 299) Can we get a woohoo?! Bitcoin continues its slide, conflicting info relating to jobs and salaries and be careful with that brokerage account checkbook. Plus student loan amounts differ and who exactly is a professional? /episode/index/show/hesaidshesaidthemoneyguide/id/40092035

Bad Blowtorch Uses (Episode 298) 02/03/2026

Bad Blowtorch Uses (Episode 298) Can’t miss advice on what NOT to do, gold and bitcoin volatility continues, a new Fed nominee, and free tuition at Yale. Plus the housing market takes a turn in favor of buyers, and what to do when your health insurance costs more than your mortgage. /episode/index/show/hesaidshesaidthemoneyguide/id/39984755

TACO Tuesday (Episode 297) 01/27/2026

TACO Tuesday (Episode 297) The TACO part was really Wednesday but… Gold over 5000, silver soaring too, UnitedHealthcare selloff and a reversal on garnishing wages for education loans. Plus a further explanation on the Roth catch-up. Or maybe it’s just more confusing now. /episode/index/show/hesaidshesaidthemoneyguide/id/39902495

The Trump Pod (Episode 296) 01/14/2026

The Trump Pod (Episode 296) Powell and Trump go at it, restrictions on corporate housing purchases, Trump accounts and a cap on credit card interest. Plus 60/40 accounts back in vogue, mortgage portability and 7 important numbers. /episode/index/show/hesaidshesaidthemoneyguide/id/39727460

The Year Past and What’s in Store (Episode 295) 01/07/2026

The Year Past and What’s in Store (Episode 295) Are you kidding? We can tell you what happened but don’t expect what will happen next. A strong 2025 across the board, a waiting list for vocational schools and wage garnishment for student loans. The last two may just be connected. Plus everyone seems to leave money in their FSA accounts. /episode/index/show/hesaidshesaidthemoneyguide/id/39650135

Are You My Mother? (Episode 294) 12/22/2025

Are You My Mother? (Episode 294) Surprise Heirs, another scam story and the Student Loan Forgiveness Tax Bomb. Plus problems rich New Yorkers are having leaving, inherited IRA issues and the Nasdaq goes 24/7. /episode/index/show/hesaidshesaidthemoneyguide/id/39467650

Beware of Finfluencers (Episode 293) 12/09/2025

Beware of Finfluencers (Episode 293) Social Security advice is often not what it seems. Will the Fed cut rates this week, 401(k) millionaires double and young ‘uns are investing. Plus Vanguard joins the annuity push in 401(k) plans and gift cards go unused as often as not. /episode/index/show/hesaidshesaidthemoneyguide/id/39344920

Early Decision is the Answer (Episode 292) 12/04/2025

Early Decision is the Answer (Episode 292) For College Enrollment Chiefs, anyway. Crypto plunges, the Dells pledge $6.25 billion and more tariff info. Plus Burger King needs pennies, more stats on the 50-year mortgage and a creative home purchase. /episode/index/show/hesaidshesaidthemoneyguide/id/39285025

Engraved Chopsticks (Episode 291) 11/19/2025

Engraved Chopsticks (Episode 291) Say goodbye to the penny – new ones at least. Say hello to the 50-year mortgage – actually don’t. Tech and crypto slumping, stimulus checks might be on the way and…newsflash…Apple is REALLY big. /episode/index/show/hesaidshesaidthemoneyguide/id/39095080

AI Bubble? (Episode 290) 11/03/2025

AI Bubble? (Episode 290) Certainly a popular question. Plus Medicare decision time, the CZ pardon and say goodbye to the Buffett premium. Plus plus where did the milk chocolate in my candy bar go? /episode/index/show/hesaidshesaidthemoneyguide/id/38893175

Crypto as Collateral (Episode 289) 10/30/2025

Crypto as Collateral (Episode 289) How will that work? Early decision turmoil at Tulane, how helpful are banks really being to furloughed workers, and the premium Citi card that is anything but… plus social security COLA is officially 2.8% but your Medicare premium might eat up a good chunk of it. /episode/index/show/hesaidshesaidthemoneyguide/id/38841910

Financial Aid for All (Episode 288) 10/21/2025

Financial Aid for All (Episode 288) As long as you make under $1 million. Plus tax bracket changes, the popularity of target date funds in 401(k)s, harvesting reward card bonuses, and the right to salary info for your peers. Plus plus what’s your number? /episode/index/show/hesaidshesaidthemoneyguide/id/38734980

Coffee Prices Surge 22%! (Episode 287) 10/16/2025

Coffee Prices Surge 22%! (Episode 287) Baristas are dealing with unhappy people, a weak jobs report likely to bring lower Fed rates, and more women than ever are the big breadwinners. Plus some furloughed workers getting recalled, while waterfront property sales are on hold due to the government shutdown. Plus plus AI gone wrong and student loan issues for people in their 50’s. /episode/index/show/hesaidshesaidthemoneyguide/id/38607595

International Pod Day (Episode 286) 09/30/2025

International Pod Day (Episode 286) Government shutdown? Concierge medicine, let AI take the CFA for you, corporate bond demand is running hot and high wage earners lose a tax break. Plus Ford targets subprime buyers and the SEC drops cases after Trump pardons. /episode/index/show/hesaidshesaidthemoneyguide/id/38414115

Cash is King? (Episode 285) 09/24/2025

Cash is King? (Episode 285) New Visa Fees, Fed rate cut and the mortgage impact and added mortgage info. Plus unemployment among young men worse than women. Plus plus the retirement withdrawal rate is on the rise. /episode/index/show/hesaidshesaidthemoneyguide/id/38337560

Play-Doh in Congress (Episode 284) 09/19/2025

Play-Doh in Congress (Episode 284) The Fed is on the clock, social security is increasing in 2026, corporate reporting guidelines could be relaxed and it’s a tough time to be young and looking for work. Plus some members of Congress trade WAY too much. /episode/index/show/hesaidshesaidthemoneyguide/id/38285765

Taxing the Stupid (Episode 283) 09/10/2025

Taxing the Stupid (Episode 283) Apparently, your hosts can be included there. Big lottery weekend, upcoming rate cuts, a weak labor market and the impact of tariffs on the post office. Plus private equity has a marketing problem. /episode/index/show/hesaidshesaidthemoneyguide/id/38155970

Hooters on the Comeback Trail (Episode 282) 09/03/2025

Hooters on the Comeback Trail (Episode 282) Impact of Tariffs, the legality of which are now under scrutiny, the impact of alienation of other countries, the latest on the Fed and be sure to choose your major wisely. Computer Science is not the guarantee it once was but AI – oh my! /episode/index/show/hesaidshesaidthemoneyguide/id/38071270

9 Dogs and 9 Brews in 9 Innings (Episode 281) 08/26/2025

9 Dogs and 9 Brews in 9 Innings (Episode 281) Good luck with that! Plus AOL dial-up service comes to a close, Publisher’s Clearing House leaves sweepstakes winners in the lurch, Taylor Swift inspired taxes, ICE recruitment and a Fed governor called to resign. /episode/index/show/hesaidshesaidthemoneyguide/id/37921545

IRS Commissioner Out…Again (Episode 280) 08/14/2025

IRS Commissioner Out…Again (Episode 280) Averaging one per month. Head of BLS Out. Goldman’s leading economist – suggested out. Plus Nvidia to share revenue with the government, inflation info, more concerns with Buy Now Pay Later and a debit card snafu. Plus plus Perplexity offers $34.5 billion for Google Chrome. /episode/index/show/hesaidshesaidthemoneyguide/id/37818040

401(k)s and 529s and Maybe Some Other Numbers (Episode 279) 07/30/2025

401(k)s and 529s and Maybe Some Other Numbers (Episode 279) Nobody beats Scottie Scheffler, even as an investment. People tapping into 401(k)s early and plans adding private equity. Why the 529 scorches that universal life plan to pay for college – OMG! Plus crypto mania running amok and younger woman catching up to men and narrowing the retirement savings gap. /episode/index/show/hesaidshesaidthemoneyguide/id/37606745

The Legal Issue (Episode 278) 07/23/2025

The Legal Issue (Episode 278) Rental car returns, CA pension lawsuit, a crypto scam (yes, another one) and gambling losses. Plus hidden homeowners’ costs don’t seem that hidden, YouTube reigns over our TVs and the birthday freebie man. /episode/index/show/hesaidshesaidthemoneyguide/id/37517745

The Sports Edition (Not Really) (Episode 277) 07/15/2025

The Sports Edition (Not Really) (Episode 277) Private Equity in Youth Sports, Canada’s impact on the Buffalo Bills, issues with Tesla, and when to take RMDs. Plus a competitor to FICO may help with that house purchase, even though new buyers are disappearing. Plus plus fallout from a nursing home bankruptcy and a lawsuit over beneficiary designations. /episode/index/show/hesaidshesaidthemoneyguide/id/37374055

BBB Details (Episode 276) 07/09/2025

BBB Details (Episode 276) Lots of permanent items, at least temporarily. Mortgage interest, car loan interest, SALT deductions, 529 usage, employer contributions and more. Plus a brief chat on the ever moving target dates for tariffs and trade wars. /episode/index/show/hesaidshesaidthemoneyguide/id/37346550

Musk vs Trump (Episode 275) 07/02/2025

Musk vs Trump (Episode 275) Musk threatens Congress if they vote for the current bill. Trump threatens Musk with deportation. Musk suggests establishing another political party. Plus factory workers vs AI, crypto as collateral for house buying, and Bobby Bonilla Day. Plus plus an interesting ride in the markets last quarter. /episode/index/show/hesaidshesaidthemoneyguide/id/37256805

He Said She Said the Money Guide Podcast

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