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Season 2018

  • S2018E01 How Cars Keep You POOR!

    • October 1, 2018
    • PBS

    Cars have become an integral part of American society. While it can feel like buying a new car is granting you new freedom, buying a new car is more likely to take away your freedom and security. Welcome to the first episode of Two Cents • PBS! If you like this video, make sure to subscribe to our new channel! We'll be publishing new videos to this page every week.

  • S2018E02 Welcome to TWO CENTS!

    • October 2, 2018
    • YouTube

    Welcome to Two Cents • PBS! If you like this video, make sure to subscribe to our channel!

  • S2018E03 5 Tips For A Better Side Hustle

    • October 4, 2018
    • YouTube

    These days, it seems like everyone is making money on the side. Side hustles like ride-sharing, room rentals, and selling witty cross stitch patterns are a common occurrence. BUT, is every side hustle worth the time dedicated to them?

  • S2018E04 What College Majors Are Worth the Money?

    • October 5, 2018
    • YouTube

    It’s not exactly a news flash that college is expensive. Which college majors give you more bang for your buck, and does that compare to doing what you love?

  • S2018E05 What's The Fastest Way To Pay Off Debt?

    • October 10, 2018
    • YouTube

    Debt is one of our least favorite things to talk about, and that's one of the main reasons it is so hard to pay them off. BUT researchers have figured out how to rewire your brain to take on the debt monster.

  • S2018E06 How To Save Money At The Supermarket

    • October 15, 2018
    • YouTube

    Supermarkets are built with tricks and challenges designed to make you spend more than you planned. But with a little preparation, you can safely avoid them and save money. We have some grocery tips this week!

  • S2018E07 5 Ways People Are Dumb With Money

    • October 24, 2018
    • YouTube

    Not only do we as humans make financial mistakes, our mistakes are predictable! Here's the story of how we learned that we can predict our mistakes and 5 of them you can avoid.

  • S2018E08 Is It Smart To Outsource Your Chores?

    • October 31, 2018
    • YouTube

    SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Cars have become an integral part of American society. While it can feel like buying a new car is granting you new freedom, buying a new car is more likely to take away your freedom and security. Welcome to the first episode of Two Cents • PBS! If you like this video, make sure to subscribe to our new channel! We'll be publishing new videos to this page every week. Two Cents on FB: https://www.facebook.com/TwoCentsPBS/ Two Cents on Twitter: @twocentspbs -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews & Julia Lorenz-Olson Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM SOURCES: http://gizmodo.com/589.../what-exactly-is-that-new-car-smell http://www.nielsen.com/.../saving-spending-and-living... http://press.ihs.com/.../slower-not-lower-ihs-automotive... http://www.marketwatch.com/.../most-americans-are-one... http://www.mckinsey.com/.../america-the-frugal-us... http://www.offthegridnews.com/.../you-wont-believe-how.../ http://www.carfax.com/.../what-to-consider/car-depreciation http://www.autoalliance.org/.../safety-advances-increase...

  • S2018E09 5 Biggest Financial Scams (And How To Avoid Them)

    • November 7, 2018
    • YouTube

    SUBSCRIBE to Two Cents! Welcome to Two Cents • PBS! If you like this video, make sure to subscribe to our channel! Two Cents on FB: https://www.facebook.com/TwoCentsPBS/ Two Cents on Twitter: @twocentspbs -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews & Julia Lorenz-Olson Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM

  • S2018E10 How Risky Is The Stock Market?

    • November 14, 2018
    • YouTube

    SUBSCRIBE to Two Cents! https://goo.gl/jQ857H These days, it seems like everyone is making money on the side. Side hustles like ride-sharing, room rentals, and selling witty cross stitch patterns are a common occurrence. BUT, is every side hustle worth the time dedicated to them? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews & Julia Lorenz-Olson Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM SOURCES: https://www.earnest.com/blog/sharing-economy-income-data/ https://www.ftc.gov/.../trade-regulation.../00008-57281.pdf https://www.fundera.com/blog/small-business-statistics

  • S2018E11 Should You Buy a House?

    • November 21, 2018
    • YouTube

    SUBSCRIBE to Two Cents! https://goo.gl/jQ857H It’s not exactly a news flash that college is expensive. Which college majors give you more bang for your buck, and does that compare to doing what you love? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews & Julia Lorenz-Olson Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM Works Cited: The National Center for Education Statistics (nces.ed.gov) Paul F. Campos. (Apr 4, 2015) The Real Reason College Tuition Costs So Much. The New York Times. Danielle Kurtzleben. (Feb,11, 2014) Study: Income Gap Between Young College and High School Grads Widens. U.S. News and World Report. Steven J. Harper. (Aug. 25, 2015) Too Many Law Students, Too Few Legal Jobs. The New York Times. Dinah Wisenberg Brin. (Apr. 4, 2017) Taking the Sting Out of Medical School Debt. AAMC News. Julie Phillips, MD, MPH. “The Impact of Debt on Young Family Physicians” Journal of the American Board of Family Medicine. https://www.nytimes.com/2015/04/05/opinion/sunday/the-real-reason-college-tuition-costs-so-much.html?_r=0 https://ttlearning.com/blog/why-is-college-so-expensive/ http://www.austincc.edu/tuition-and-financial-aid/tuition-and-fees https://tuition.utexas.edu/learn-more/how-is-tuition-used https://giving.utexas.edu/why-give/why-we-need-your-support/ https://nces.ed.gov/fastfacts/display.asp?id=98 https://www.usnews.com/news/articles/2014/02/11/study-income-gap-between-young-college-and-high-school-grads-widens http://www.chicagotribune.

  • S2018E12 Money Is Imaginary. Should You Trust It?

    • November 28, 2018
    • YouTube

    SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Debt is one of our least favorite things to talk about, and that's one of the main reasons it is so hard to pay them off. BUT researchers have figured out how to rewire your brain to take on the debt monster. Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews & Julia Lorenz-Olson Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM Works Cited: https://bucks.blogs.nytimes.com/2012/08/20/to-get-out-of-debt-it-may-help-to-think-small/?mcubz=3&_r=0 https://www.fool.com/investing/general/2015/01/18/the-average-american-has-this-much-debt-how-do-you.aspx https://studentloanhero.com/student-loan-debt-statistics/

  • S2018E13 What’s the Real Cost of Owning A Pet?

    • December 5, 2018
    • YouTube

    SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Supermarkets are built with tricks and challenges designed to make you spend more than you planned. But with a little preparation, you can safely avoid them and save money. We have some grocery tips this week! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews & Julia Lorenz-Olson Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM Works Cited: Stephanie Clifford. (July 17, 2011) At Stores, Making 5 for $5 a Bigger Draw Than 1 for $1 The New York Times. Emily Co. (Feb. 29, 2016) 15 Sneaky Ways Supermarkets Get You to Spend More. Popsugar. Michelle Crouch. “50 Supermarket Tricks You Still Fall For”. Reader’s Digest. Sophia Tulp. (Jun. 26, 2017) Millennials eat up savings by dining out a lot, study shows. USA Today. Mary Ellen Biery. (Oct. 3, 2016) The 15 Least Profitable Industries in the U.S. Forbes. Stock footage from Prelinger Archives.

  • S2018E14 What Goes Into Your Credit Score?

    • December 12, 2018
    • YouTube

    Not only do we as humans make financial mistakes, our mistakes are predictable! Here's the story of how we learned that we can predict our mistakes and 5 of them you can avoid. SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews & Julia Lorenz-Olson Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM -- If you want to hear more examples of “dumb stuff people do,” check out Richard Thaler’s Misbehaving: The Making of Behavioral Economics.

  • S2018E15 Can You Really Protect Your Identity Online?

    • December 19, 2018
    • YouTube

    SUBSCRIBE to Two Cents! https://goo.gl/jQ857H \n\nYou can learn more about Brilliant at https://brilliant.org/twocents\n\nThere's nothing quite as scary as a tale of a malicious identity hack! From Facebook to Equifax, it seems like nobody's identity is safe anymore. So is there really way to protect yourself online... or are all those monitoring services just selling a false sense of security?\n\nTwo Cents on FB: https://www.facebook.com/TwoCentsPBS\nTwo Cents on Twitter: @twocentspbs\n\n--\n\nTwo Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP\u00ae and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions.\n\nTwo Cents is hosted by Philip Olson, CFP\u00ae and Julia Lorenz-Olson\nDirectors: Katie Graham & Andrew Matthews\nWritten by: Philip Olson and Andrew Matthews\nProduced by: Katie Graham & Amanda Fox\nImages by: Shutterstock\nMusic by: APM\n\nSources:\nhttps://www.creditcards.com/credit-card-news/4-keys-zero-liability-policies-debit-credit-1282.php\nhttps://www.wsj.com/articles/pros-and-cons-of-freezing-your-credit-after-equifax-breach-1507132250\nhttps://www.tomsguide.com/us/best-identity-theft-protection,review-2083.html\nhttps://www.investopedia.com/articles/personal-finance/090514/identity-theft-how-much-should-you-worry.asp\nhttps://www.transunion.com/blog/identity-protection/how-common-is-identity-theft\nhttps://www.identityforce.com/blog/4-scary-real-identity-theft-stories

Season 2019

  • S2019E01 How To Ask For A Raise!

    • January 2, 2019

    SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Most of us cringe at the idea of discussing how much money we make, so asking for a raise can be tough. Here's how to get started. Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Julia Lorenz-Olson and Andrew Matthews Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM SOURCES: https://www.kiplinger.com/article/business/T012-C006-S001-five-steps-to-negotiating-a-raise.html https://www.elle.com/culture/career-politics/a19732755/5-women-on-how-to-successfully-negotiate-a-raise/ https://sc.edu/study/colleges_schools/moore/documents/ces_research/2017_047_employee_responses_to_raises.pdf https://hbr.org/2017/03/research-how-incentive-pay-affects-employee-engagement-satisfaction-and-trust https://students.ubc.ca/career/career-resources/salary-negotiations https://www.fastcompany.com/3055541/5-often-overlooked-benefits-that-you-should-negotiate-with-a-new-job- https://www.monster.com/career-advice/article/5-awesome-job-perks-and-benefits-you-need-to-negotiate

  • S2019E02 Should You Buy Bitcoin?

    • January 9, 2019

    SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Most have never used Bitcoin and probably don't know exactly what it is. Although, estimates show that over 16 million Americans buy and spend Bitcoin frequently. So, should you be getting on the crypto bandwagon? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson and Andrew Matthews Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM SOURCES: http://money.visualcapitalist.com/worlds-money-markets-one-visualization-2017/ https://charts.bitcoin.com/chart/price https://www.bloomberg.com/news/articles/2018-02-12/why-governments-might-join-the-cryptocurrency-craze-quicktake https://www.theatlantic.com/magazine/archive/2017/09/big-in-venezuela/534177/ https://finance.yahoo.com/news/16-3-million-americans-buy-sell-bitcoin-frequently-181415210.html https://www.investopedia.com/articles/forex/091013/future-cryptocurrency.asp https://www.thesimpledollar.com/decrypting-bitcoin/ https://www.thesimpledollar.com/decrypting-bitcoin/ https://www.independent.co.uk/life-style/gadgets-and-tech/news/bitcoin-price-fall-criminals-blockchain-anonymous-cryptocurrency-zcash-monero-dash-a8174716.html https://minergate.com/blog/6-totally-anonymous-cryptocurrencies/

  • S2019E03 What's the real cost of having a baby?

    • January 16, 2019

    SUBSCRIBE to Two Cents! https://goo.gl/jQ857H These little bundles of joy are priceless, but expensive. How do all the costs of having a newborn really add up? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Julia Lorenz-Olson and Andrew Matthews Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM Sources: https://www.parenting.com/article/the-cost-of-raising-a-baby https://www.usda.gov/media/blog/2017/01/13/cost-raising-child https://www.cnpp.usda.gov/tools/CRC_Calculator/default.aspx https://www.nerdwallet.com/blog/insurance/cost-of-raising-baby/ https://www.castlighthealth.com/press-releases/new-study-shows-huge-cost-differences-for-having-a-baby-often-in-the-same-city/ https://www.babycenter.com/top-baby-costs https://www.babycenter.com/0_how-much-youll-spend-on-childcare_1199776.bc https://www.care.com/c/stories/2423/how-much-does-child-care-cost/

  • S2019E04 9 Hacks for Moving on a Budget!

    • January 23, 2019

    SUBSCRIBE to Two Cents! https://goo.gl/jQ857H The average American will move households 11 times over the course of their life. It can be stressful and exhausting, but it doesn't have to be expensive! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Julia Lorenz-Olson and Andrew Matthews Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM Sources: https://www.move.org/moving-stats-facts/ http://www.thefruitfulvines.com/5-ways-move-cross-country-without-breaking-bank/ https://money.usnews.com/money/blogs/my-money/articles/2016-04-04/a-comprehensive-guide-to-saving-on-moving https://fivethirtyeight.com/features/how-many-times-the-average-person-moves/ https://www.moveline.com/moving-resources/corporate-moves-a-guide-to-negotiating-a-relocation-package http://articles.latimes.com/2014/mar/21/health/la-he-keeping-stuff-20140322

  • S2019E05 Are credit unions better than big banks?

    • January 30, 2019

    SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Only 27% of Americans have confidence in banks, but what are your other options? Check out the pros and cons of keeping your money with your big bank. Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson and Andrew Matthews Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM Sources: http://money.cnn.com/2018/04/24/news/companies/wells-fargo-timeline-shareholders/index.html http://blog.wallstreetsurvivor.com/2017/02/21/7-biggest-financial-scandals-time/ http://news.gallup.com/poll/192719/americans-confidence-banks-languishing-below.aspx https://ilsr.org/top-5-reasons-choose-community-bank-or-credit-union/ http://www.icba.org/ https://www.mycreditunion.gov/about-credit-unions/pages/how-is-a-credit-union-different-than-a-bank.aspx

  • S2019E06 How to save money on your wedding!

    • February 6, 2019

    SUBSCRIBE to Two Cents! https://goo.gl/jQ857H 74% of couples say they PLAN to go into debt to pay for their weddings! But does it have to be that way? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Julia Lorenz-Olson and Andrew Matthews Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM Sources: https://xogroupinc.com/press-releases/the-knot-2017-real-weddings-study-wedding-spend/ https://www.theknot.com/content/average-wedding-cost-2017 https://xogroupinc.com/press-releases/theknot2016realweddings_costofweddingsus/?__hstc=131446032.0f983c8da738548cda907b7b8f894f18.1531248620236.1531248620236.1531248620236.1&__hssc=131446032.1.1531248620237&__hsfp=531687773 https://www.nerdwallet.com/blog/finance/ways-to-save-money-wedding/ https://www.realsimple.com/weddings/budget/save-money-wedding#food https://institutedfa.com/Leading-Causes-Divorce/ https://www.theweddingreport.com

  • S2019E07 5 Money Questions to Ask Your Partner!

    • February 13, 2019

    You can check out Google's Science Journal app at http://g.co/ScienceJournal Nothing is less romantic than talking to your partner about their financial history, but finances cause major stresses in relationships. A lot of these stresses can be tackled by communicating without judgment. Here are 5 financial topics you should discuss with your future partner. SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Julia Lorenz-Olson and Andrew Matthews Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM SOURCES: http://www.businessinsider.com/love-and-money-what... http://www.lifehack.org/.../30-money-questions-ask-your... http://www.ihr.com/.../ivf-in-vitro-fertilization-cost.html https://www.forbes.com/.../10-ways-to-prevent-money.../... http://time.com/4575495/divorce-rate-nearly-40-year-low/ https://www.npr.org/.../study-record-number-of-people-are... https://www.moneyhabitudes.com/financial-statistics/ https://www.theknot.com/.../more-couples-living-together... http://www.americanadoptions.com/adopt/the_costs_of_adopting

  • S2019E08 Is Retirement Even POSSIBLE?

    • February 20, 2019

    You can check out Google's Science Journal app at http://g.co/ScienceJournal No one wants to end up broke in their autumn years... why was it so much easier for previous generations to avoid this? And what can you do about it? SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Andrew Matthews Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM SOURCES: https://www.theatlantic.com/business/archive/2016/04/why-dont-americans-save-money/478929/ https://www.aarp.org/work/retirement-planning/info-2015/nest-egg-retirement-amount.html https://www.cnbc.com/2018/03/19/most-americans-close-to-retirement-have-saved-12-percent-of-what-they-need.html http://time.com/money/4258451/retirement-savings-survey/ http://faculty.chicagobooth.edu/erik.hurst/research/qje_published_version_final.pdf

  • S2019E09 What the Heck Is a Mutual Fund?

    • February 27, 2019

    Mutual funds are an important option in saving for retirement , and most people don't know what they are--even if they already use them! Let's start at the beginning. SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Andrew Matthews Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM SOURCES: https://www.investopedia.com/investing/advantages-of-mutual-funds/ https://www.investopedia.com/articles/mutualfund/05/mfhistory.asp

  • S2019E10 Are "Free" Video Games Really Free?

    • March 6, 2019

    So-called “free-to-play” video games are raking in record profits for game companies.

  • S2019E11 The Truth About Airline Miles

    • March 13, 2019

    SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Check Out Sound Field at: https://www.youtube.com/soundfieldpbs Airline miles and credit card reward points feel like free money. So what's the catch... and who's really gaming who? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Andrew Matthews Produced by: Katie Graham & Amanda Fox Images by: Shutterstock Music by: APM SOURCES: https://budgeting.thenest.com/percentage-americans-credit-cards-30856.html https://www.creditcards.com/credit-card-news/history-of-credit-cards.php https://www.frugalrules.com/how-do-credit-cards-make-money-hard/ https://www.fool.com/credit-cards/2017/04/13/this-is-how-credit-card-companies-hauled-in-163-bi.aspx https://247wallst.com/banking-finance/2017/09/28/43-of-americans-carry-credit-card-debt-for-at-least-2-years/ https://www.nytimes.com/2016/03/27/your-money/credit-cards-encourages-extra-spending-as-the-cash-habit-fades-away.html https://www.psychologytoday.com/us/blog/the-edge-choice/201207/the-way-we-spend-impacts-how-we-spend http://time.com/money/3896999/airline-miles-awards-consultants/ https://www.theatlantic.com/business/archive/2011/04/this-is-your-brain-on-credit-cards/73342/ https://www.cmu.edu/homepage/practical/2007/winter/spending-til-it-hurts.shtml

  • S2019E12 Can You Really Retire in Your 30s?

    • March 20, 2019

  • S2019E13 What the Heck Is the DOW?

    • March 27, 2019

    Do your eyes glaze over when you ever hear about the DOW? Are you still confused about what the DOW is? SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Julia Lorenz-Olson and Andrew Matthews Produced by: Katie Graham & Amanda Fox Edited & Animated by: Nathan Bayless Images by: Shutterstock Music by: APM SOURCES: https://www.wikipedia.org/ https://www.investopedia.com/ https://www.nytimes.com/2012/02/12/magazine/dow-jones-problems.html

  • S2019E14 Do Kids Need to Learn About Money?

    • April 3, 2019
    • YouTube

    Here are some tips to get the conversation started about money with your kids.

  • S2019E15 How Do Your Tax Dollars Get Spent?

    • April 10, 2019
    • YouTube

    Have you ever stopped to figure out what is being bought with your tax money?

  • S2019E16 Should I Invest In Cannabis Stocks?

    • April 17, 2019

  • S2019E17 Budgeting Basics!

    • April 24, 2019

    You can check out Say It Loud at https://www.youtube.com/channel/UCk85otLk-ASsqPu0aXFGjzA You can take a cue from George Washington by becoming commander in chief of your finances. What budgeting strategies have worked for you? SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Nathan Bayless Images by: Shutterstock Music by: APM SOURCES:

  • S2019E18 Is It BAD to Play the Lottery?

    • May 1, 2019
    • YouTube

  • S2019E19 You Should Talk To Your Parents About Money!

    • May 8, 2019
    • YouTube

    Learn how to broach the subject with your parents!

  • S2019E20 What Do Financial Experts Do?

    • May 15, 2019
    • YouTube

  • S2019E21 How Do You Actually Buy a House?

    • May 22, 2019

    Think you're ready to buy a house? The path to get from here to there may seem confusing, but once you understand the steps and the people involved, you'll be ready to make your first move! SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Julia Lorenz-Olson & Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Orsak Images by: Shutterstock Music by: APM SOURCES: http://time.com/money/4636251/millennial-homeowners-mortgage/

  • S2019E22 Why It's More Expensive To Be Poor

    • May 29, 2019

  • S2019E23 I'm Young & Healthy, Can I Skip Health Insurance?

    • June 5, 2019

    For many young people, health insurance is a big expense that may seem unnecessary.

  • S2019E24 How Retailers Stalk You Online

    • June 12, 2019

    They may not be listening in on your phone calls... but they don't have to.

  • S2019E25 Are Women Better With Money?

    • June 19, 2019

    Women report feeling high or overwhelming levels of financial stress twice as often as men. Why is that? For many, it boils down to compensation and confidence. SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Julia Lorenz-Olson & Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Nathan Bayless Images by: Shutterstock Music by: APM Sources: http://gap.hks.harvard.edu/do-women-avoid-salary-negotiations-evidence-large-scale-natural-field-experiment https://www.kiplinger.com/article/investing/T031-C000-S002-the-secrets-of-women-investors.html http://money.cnn.com/2017/04/07/retirement/women-finances-gender-gap/index.html http://www.businessinsider.com/how-men-and-women-invest-2015-2#on-top-of-earning-more-in-returns-women-were-also-less-likely-to-lose-money-from-their-investments-2 https://moneyish.com/ish/the-sad-reason-1-in-3-women-doesnt-think-shell-make-50000/ https://www.forbes.com/sites/financialfinesse/2016/07/17/the-financial-industry-is-still-failing-women/#3d42be1b376e https://girlpowermarketing.com/statistics-purchasing-power-women/ https://www.moneyunder30.com/why-women-owned-businesses-succeed https://www.aauw.org/aauw_check/pdf_download/show_pdf.php?file=The-Simple-Truth https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/women-fit-money-study.pdf https://www.marketwatch.com/story/6-ways-men-and-women-differ-when-it-comes-to-money-2016-03-04 https://www.debt.com/2015/why-wom

  • S2019E26 5 Strange Investment Crazes!

    • June 26, 2019

    SUBSCRIBE to America from Scratch! http://bit.ly/amscratch_sub SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Every investor dreams of getting in on the ground floor of the "next big thing." These stories are not that. Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Derek Borsheim Images by: Shutterstock Music by: APM SOURCES: https://www.nytimes.com/1993/02/04/business/market-place-snapple-shares-are-flying-high-but-some-analysts-see-a-fall.html https://www.eater.com/2018/7/26/17614586/snapple-lady-wendy-kaufman-commercials-from-the-90s https://en.wikipedia.org/wiki/Snapple https://www.thebalance.com/investor-stampedes-4029722 https://en.m.wikipedia.org/wiki/Krispy_Kreme https://www.forbes.com/2005/08/10/restatement-earnings-kkd-cz_em_0810kkd.html#537493ea3e01 https://en.m.wikipedia.org/wiki/Scott_Livengood http://media.corporate-ir.net/media_files/irol/12/120929/FileUpload/presskit.pdf https://www.npr.org/templates/story/story.php?storyId=4783324 http://www.fundinguniverse.com/company-histories/atkins-nutritionals-inc-history/ https://en.wikipedia.org/wiki/Atkins_diet https://blog.folioinvesting.com/2015/11/12/6-investing-fads-that-seemed-like-a-good-ideaat-the-time https://www.investopedia.com/terms/i/investing-fads.asp https://moneymorning.com/2016/10/05/5-of-the-biggest-fads-stocks-from-the-2000s/ https://www.aol.com/article/finance/2014/05/08/biggest-investment-failures-ever/2088

  • S2019E27 Does Wealth Make You Meaner?

    • July 3, 2019

    Books and movies love to show wealthy people as cruel, unfeeling, and miserly.

  • S2019E28 How Much Should I Charge? (Probably More Than You Think)

    • July 10, 2019

    How Smart Entrepreneurs Think About PRICES!

  • S2019E29 Why Americans Are Failing the Grade at Financial Literacy

    • July 17, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Americans tend to get basic financial questions wrong compared to other Western countries… why is that? And what can be done about it? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM SOURCES: https://en.wikipedia.org/wiki/List_of_countries_by_average_wage https://money.cnn.com/2016/10/24/pf/financial-mistake-budget/index.html http://www.apnorc.org/news-media/Pages/News+Media/Poll-Two-thirds-of-US-would-struggle-to-cover-$1,000-crisis.aspx https://www.urban.org/research/publication/delinquent-debt-america https://www.investmentnews.com/article/20190302/FEATURE/190229936/financial-literacy-an-epic-fail-in-america https://www.nefe.org/_images/research/GWU-Financial-Capability-Young-Adults/GWU-Financial-Capability-Young-Adults-Final-Report.pdf https://www.investmentnews.com/article/20190302/FEATURE/190229936/financial-literacy-an-epic-fail-in-america https://www.thebalance.com/credit-card-companies-love-college-students-960090 http://fortune.com/2016/07/12/financial-literacy/ https://www.creditcards.com/credit-card-news/infographic-parents-kids-credit.php http://www.surveyofthestates.com/#state-of-financial-and-economic-programs-across-the-nation https://twocents.lifehacker.com/your-guide-to-free-resources-for-improving-your-money-s-1557

  • S2019E30 What’s The Real Cost of Dying?

    • July 24, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Since the human mortality rate seems to be holding steady at 100%, chances are you will have to make some death-related financial decisions for a loved one... or yourself! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM SOURCES: https://www.nolo.com/legal-encyclopedia/how-much-will-lawyer-charge-write-your-will.html https://www.legalmatch.com/law-library/article/how-much-will-an-estate-lawyer-cost.html https://www.npr.org/sections/health-shots/2016/06/15/481992191/dying-in-a-hospital-means-more-procedures-tests-and-costs https://www.lhlic.com/consumer-resources/average-funeral-cost/ https://news.gallup.com/poll/191651/majority-not.aspx http://www.businesspundit.com/5-most-ridiculously-expensive-funerals/ https://www.theguardian.com/commentisfree/2018/dec/05/funeral-directors-exploiting-grief-independent-organisation https://www.ancient.eu/burial/

  • S2019E31 What The Heck Is an IRA?

    • July 31, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H What if there were a way to dodge taxes on a chunk of your paycheck? Or how about an investment opportunity that will never pay a penny of taxes on the growth no matter how big it gets? Sound too good to be true? This is the amazing tax shelter of the IRA. Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM SOURCES: https://en.wikipedia.org/wiki/Roth_IRA https://www.irs.gov/.../retirement-plans-faqs-regarding... https://www.investopedia.com/terms/s/sep.asp https://www.irs.gov/retirement.../traditional-and-roth-iras https://www.thestreet.com/.../401-k-and-ira-contribution... https://money.cnn.com/.../gallery.unusual_alternative.../ https://en.wikipedia.org/.../Individual_retirement... https://dqydj.com/history-of-contributions-ira-limit/ https://thecollegeinvestor.com/.../ira-contribution.../

  • S2019E32 When Should I Tip?

    • August 7, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds CHECK OUT Say It Loud: https://www.youtube.com/channel/UCk85otLk-ASsqPu0aXFGjzA/featured SUBSCRIBE to Two Cents! https://goo.gl/jQ857H When (and how much) to tip when is not always obvious! Get some help from Two Cents! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM SOURCES: https://emilypost.com/.../in-which-countries-should-you... http://www.whototip.net http://time.com/.../history-tipping-american-restaurants.../ https://www.epi.org/.../waiting-for-change-tipped.../ https://www.theguardian.com/.../ban-tipping-restaurants... https://www.economist.com/.../10/26/the-case-against-tipping https://www.govdocs.com/tipped-workers-united-states/ https://qz.com/.../squares-design-guilts-us-into-tipping.../ https://www.nytimes.com/.../how-the-15-minimum-wage-went... https://en.wikipedia.org/.../Fair_Labor_Standards_Act_of...

  • S2019E33 How to Do Market Research!

    • August 14, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H The market will judge your idea one way or another… why not hear the verdict BEFORE you quit your day job? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM SOURCES: “If You Build It Will They Come?: Three Steps to Test and Validate Any Market Opportunity” by Rob Adams https://bizfluent.com/how-4493168-determine-market-viability-product-service.html https://medium.com/plusacumen/market-viability-7-steps-to-assess-your-competition-e4f67de84979 https://www.shopify.com/blog/13640265-the-16-step-guide-to-evaluating-the-viability-of-any-product-idea https://blog.hubspot.com/marketing/market-research-buyers-journey-guide https://www.sba.gov/business-guide/plan-your-business/market-research-competitive-analysis https://www.businessnewsdaily.com/5446-porters-five-forces.html https://www.valuemarketresearch.com/report/handmade-soap-market https://www.fastcompany.com/3021229/chaim-pikarski-the-amazon-whisperer

  • S2019E34 How Do Tax Brackets Actually Work?

    • August 21, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H It takes the average American 13 HOURS to file their taxes... yet few of us know how they're calculated! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Derek Borsheim Images by: Shutterstock Music by: APM SOURCES: https://www.irs.gov/.../irs-provides-tax-inflation... https://www.investopedia.com/.../what-are-differences... https://www.nerdwallet.com/.../federal-income-tax-brackets/ https://www.fool.com/.../the-average-american-spends-this... https://www.thebalance.com/how-us-taxes-compare-with... https://www.pewresearch.org/.../among-developed-nations.../ https://www.marketwatch.com/.../81-million-americans-wont...

  • S2019E35 Something's Eating Your Money!

    • August 28, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H The money that you're saving is worth less every year...why is that? And what can you do about it? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Derek Borsheim Images by: Shutterstock Music by: APM SOURCES: https://www.thestreet.com/personal-finance/education/what-is-inflation-14695699 https://www.investors.com/news/economy/what-is-inflation-what-causes-inflation/ https://www.bloomberg.com/features/2016-venezuela-cafe-con-leche-index/?terminal=true https://theconversation.com/what-caused-hyperinflation-in-venezuela-a-rare-blend-of-public-ineptitude-and-private-enterprise-102483 https://theconversation.com/venezuela-denial-of-food-is-a-human-rights-crime-110832 https://www.seattletimes.com/pacific-nw-magazine/vanilla-extract-costs-what-a-worldwide-shortage-means-its-time-to-find-other-options/

  • S2019E36 What Are The Most Lucrative Trades?

    • September 4, 2019

  • S2019E37 How Eating Out Keeps You Poor!

    • September 11, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Restaurants are getting more and more expensive, yet Americans are eating out more often. How much damage is this doing to your long-term financial goals? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM SOURCES: https://www.moneyunder30.com/the-true-cost-of-eating-in... https://www.thebalance.com/slash-your-food-bill-stop... https://www.usatoday.com/.../eating-out-some.../2917921002/ https://www.cnbc.com/.../how-much-americans-waste-on... https://www.bls.gov/.../consumer.../2015/pdf/home.pdf https://www.cnbc.com/.../heres-how-much-the-average... https://www.huffpost.com/.../food-spending-savings_n... https://www.earnest.com/.../food-budget-where-are-your.../ https://www.everydollar.com/blog/save-money-on-restaurants https://www.youneedabudget.com/do-you-spend-too-much.../ https://www.thesimpledollar.com/dont-eat-out-as-often.../ https://www.businessinsider.com/average-restaurant... https://www.cnbc.com/.../how-much-millennials-spend-at... https://www.marketwatch.com/.../americans-are-eating-out... https://www.fb.org/.../check-please-more-u.s.-consumers... https://www.zagat.com/.../2018-dining-trends-survey...

  • S2019E38 How Do You Legally Set Up a Business?

    • September 18, 2019

    Check out Sound Field: http://youtube.com/soundfieldpbs SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H What’s the difference between an LLC and an S-Corp? If you’re thinking about starting a small business and find the legal steps intimidating, fear not! We’ve got you covered! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Julia Lorenz-Olson & Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM SOURCES: https://www.wallstreetmojo.com/sole-proprietorship-vs-partnership/ https://www.entrepreneur.com/encyclopedia/sole-proprietorship https://www.nolo.com/legal-encyclopedia/how-form-partnership-texas.html https://www.irs.gov/businesses/small-businesses-self-employed/partnerships https://www.investopedia.com/slide-show/top-6-reasons-new-businesses-fail/ https://www.fundera.com/blog/separate-business-and-personal-finances

  • S2019E39 Can You Really Get Rich Quick?

    • September 25, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H You've probably seen ads for products or courses that promise overnight wealth... but is that really possible? How do you know whether you're being taken for a ride? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Derek Borsheim Images by: Shutterstock Music by: APM

  • S2019E40 Is Cash Going Extinct?

    • October 2, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H With some stores now refusing to accept cash as a form of payment, does this mean bills and coins are going the way of the dodo? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM SOURCES: https://www.cnn.com/2019/03/26/business/cashless-stores-amazon-go-sweetgreen-dos-toros/index.html https://www.apnews.com/98613f20d0254b8bacd908ef12107fef https://www.federalreserve.gov/faqs/currency_12772.htm https://www.nbcnews.com/business/business-news/when-stores-go-cashless-it-discrimination-n973676 https://www.thebanker.com/Transactions-Technology/Is-cash-still-relevant?ct=true https://money.howstuffworks.com/how-much-money-is-in-the-world.htm https://www.cnbc.com/2018/08/06/spike-the-dollars-obit-cash-is-still-a-growth-business.html

  • S2019E41 5 Questions To Ask Before Investing

    • October 9, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Thinking about dipping your toes into INVESTING? Better ask yourself these questions before you put a dime on the line! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Derek Borsheim Images by: Shutterstock Music by: APM SOURCES: https://www.allbusiness.com/10-questions-to-ask-yourself-before-investing-93830-1.html https://www.dummies.com/education/math/statistics/finding-standard-deviation-in-a-statistical-sample/ https://www.investopedia.com/terms/r/riskmeasures.asp https://www.investopedia.com/articles/active-trading/020515/how-robinhood-makes-money.asp https://www.investopedia.com/terms/o/opportunitycos

  • S2019E42 Do You Really Want to Be Your Own Boss?

    • October 16, 2019

    CHECK OUT The Financial Diet: https://www.youtube.com/channel/UCSPYNpQ2fHv9HJ-q6MIMaPw SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Being self-employed means wearing A LOT of hats. Some you'll like, some you might not! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM

  • S2019E43 What The Heck Is An Index Fund?

    • October 23, 2019

    CHECK OUT Serving Up Science: https://www.youtube.com/channel/UClJ8BxAuS5hDlTnlZoDPV5w SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Despite only promising "average" results, index funds have become one of the most popular choices for the majority of investors. Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM SOURCES: https://www.ific.ca/.../who-we-are-history-of-mutual-funds/ https://www.statista.com/topics/1441/mutual-funds/ https://us.spindices.com/.../spiva-us-year-end-2016.pdf http://fortune.com/.../30/warren-buffett-million-dollar-bet/ https://www.npr.org/.../housecat-beats-investors-in-stock... https://www.investopedia.com/.../mutualf.../mutualfunds2.asp https://www.investopedia.com/terms/r/randomwalktheory.asp https://www.morningstar.com/.../morningstars-guide-to... https://www.investopedia.com/terms/a/alpha.asp https://www.businessinsider.com/a-random-walk-down-wall...

  • S2019E44 Are Millennials Bad with Money?

    • October 30, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Boomers accuse millennials of being fiscally irresponsible, while millennials say boomers broke the economy… so who’s right? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM SOURCES: https://www.urban.org/urba.../state-millennial-homeownership https://www.businessinsider.com/millennials-baby-boomers... https://listwithclever.com/.../millennial-homeowner-study/ http://www.padillacrt.com/.../weighing-down-workplace.../ https://www.forbes.com/.../millennial-expectations.../... https://ktbenefits.com/.../industry-trends-millennials.../ https://www.forbes.com/.../student-loan-debt.../... https://www.inc.com/.../63-percent-of-millennials-have... https://www.pwc.com/.../pwc-millennials-and-financial... https://www.investopedia.com/.../what-does-current-cost... https://smartasset.com/.../years-of-work-to-afford-a-down... https://www.healthsystemtracker.org/.../long-term-trends.../# https://trends.collegeboard.org/.../2017-trends-in...

  • S2019E45 Why You NEED an Emergency Fund!

    • November 6, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H It may not be flashy or exciting, but an EMERGENCY FUND is the foundation your financial health is built upon. Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM SOURCES: https://www.thebalance.com/reasons-you-need-an-emergency... https://www.bankrate.com/.../financial-security-january.../ https://www.cnbc.com/.../heres-how-many-americans-have... https://www.valuepenguin.com/average-credit-score https://www.edmunds.com/.../how-long-should-my-car-loan... https://wallethub.com/.../average-credit-card.../50841/

  • S2019E46 How Bankruptcy Works

    • November 13, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H It's not just a magic word you can yell and your debts disappear, but it can offer the relief you need! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM SOURCES: https://www.experian.com/.../bankruptcy-chapter-7-vs.../ https://www.thebankruptcysite.org/exemptions/federal.html https://en.wikipedia.org/wiki/Bankruptcy https://en.wikipedia.org/wiki/Debtors%27_prison https://upsolve.org/.../chapter-7-bankruptcy-income-limits/ https://www.uscourts.gov/.../default/files/form_b122a-1.pdf https://www.investopedia.com/.../what-debt-cannot-be... https://bankruptcy.findlaw.com/.../pros-and-cons-of... https://en.wikipedia.org/wiki/Debt_bondage#Ancient_Greece

  • S2019E47 Will Social Security Be Around for Millennials?

    • November 20, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H You're giving part of every paycheck to Social Security, even while pundits and politicians warn of its imminent collapse... will it still be around by the time Millennials are retiring? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM SOURCES: https://www.investopedia.com/.../what-maximum-i-can... https://www.nasi.org/learn/socialsecurity/overview https://www.investopedia.com/.../why-social-security... https://www.fool.com/.../americans-average-social... https://www.nasi.org/.../public-opinions-social-security https://www.politico.com/.../poll-social-security-still...

  • S2019E48 What's a Good Return on Investment?

    • November 27, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H The destination is clear... to have our money make more money! But what's considered a "good" return? And what's the best way to get there? Update and Corrections: Around 4:00 we mentioned "TreasuryDirect.org". That should have been "TreasuryDirect.gov". Sorry about any confusion! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM

  • S2019E49 The History Of Christmas Shopping!

    • December 4, 2019

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H If you've ever said, "Christmas has gotten too commercial!" well, you're not the first. How did a religious observance turn into a national spending spree? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com - - Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP\u00ae and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP\u00ae and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM

Season 2020

  • S2020E01 The Hidden Cost of Joining a Gym

    • January 22, 2020

    For more information go to: https://nordvpn.com/cents and use the code: cents. SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H If your New Year's resolution is to get into shape, you might think that locking yourself into an expensive gym membership is the way to go... But does it work? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://thehustle.co/gym-membership-cost https://eml.berkeley.edu/~ulrike/Papers/gym.pdf https://www.cnbc.com/id/26663228 https://www.statisticbrain.com/gym-membership-statistics/ https://www.creditcards.com/credit-card-news/auto-renewals-endless-charges-complaints-1282.php https://www.pewtrusts.org/en/research-and-analysis/blogs/stateline/2017/02/27/didnt-see-that-renewal-notice-some-states-are-trying-to-help https://www.inc.com/andrew-griffiths/how-ethical-is-your-auto-renew-policy.html https://www.npr.org/2019/06/12/731987365/episode-590-the-planet-money-workout -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM

  • S2020E02 Are You a Hoarder or a Mogul? (What's Your Money Sign?)

    • January 29, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Now that you know which Hogwarts House and Disney character you are, it's time to figure out your MONEY SIGN! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.investopedia.com/articles/basics/07/money-personality.asp https://successresources.com/there-are-4-money-personalities-whats-yours/ https://www.ft.com/content/5e8da24c-bb09-11e6-8b45-b8b81dd5d080 https://www.abc.net.au/news/2018-02-08/what-is-your-money-personality-type/9348666 https://www.onefpa.org/journal/Pages/How%20Clients%E2%80%99%20Money%20Scripts%20Predict%20Their%20Financial%20Behaviors.aspx -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM

  • S2020E03 Should You Combine Finances?

    • February 5, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H You've just moved in with your boo, but the first rent bill comes and you wonder... "How should we split this?" Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.forbes.com/sites/lawrencelight/2014/10/16/why-couples-shouldnt-merge-all-their-finances/#6e03901c24d2 https://www.businessinsider.com/reasons-couples-should-combine-finances-according-to-experts https://ifstudies.org/blog/the-case-for-merging-finances-in-marriage https://www.theatlantic.com/family/archive/2018/04/young-couples-separate-bank-accounts/558473/ https://phys.org/news/2019-02-joint-bank-accounts-happier-couples.html https://www.nerdwallet.com/blog/finance/merging-finances-marriage/ https://www.moneyunder30.com/5-reasons-to-keep-your-finances-separate-from-your-significant-other https://www.pewresearch.org/fact-tank/2017/09/14/as-u-s-marriage-rate-hovers-at-50-education-gap-in-marital-status-widens/ https://www.app.com/story/money/personal-finance/2019/06/20/millennial-couples-reluctant-merge-finances-they-shouldnt/1423954001/ https://grow.acorns.com/why-more-couples-keep-separate-bank-accounts/ https://www.washingtonpost.com/news/local/wp/2014/09/04/for-the-first-time-since-the-1950s-there-is-no-typical-u-s-family/ https://www.marketwatch.com/story/the-good-and-the-bad-of-combining-finances-when-you-get-married-2019-08-12 https://www.policygenius.com/blog/couples-mange-money/ https://www.usatoday.com/story/money/personalfinance/2017/07/05/pros-and-cons-sharing-your-finances-married-couple/438157001/ https://www.koyalwholesale.com/blogs/modern-diy-wedding-trends/2019-average-age-of-marriage-for-man-woman https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/pdf/ar6vnln9-boa-bmh-millennial-report-winter-2018-final2.pdf https://www.marketwatch.com/story/some-older-ameri

  • S2020E04 Is Whole Life Insurance a Scam?

    • February 19, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Have you ever been offered Whole Life Insurance as an investment opportunity? If so, you might be wondering... "Is this for real?" Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.thesimpledollar.com/insurance/life/four-reasons-i-would-never-buy-whole-life-insurance/ https://www.loma.org/Posts/Spotlight/A_brief_history_of_life_insurance.aspx https://www.consumerreports.org/cro/news/2015/04/is-whole-life-insurance-right-for-you/index.htm https://www.whitecoatinvestor.com/debunking-the-myths-of-whole-life-insurance/ https://www.iii.org/article/what-are-different-types-permanent-life-insurance-policies https://www.bankonyourself.com/how-bank-on-yourself-whole-life-insurance-policy-loans-work https://topwholelife.com/whole-life-insurance-dividend-rate-history/ -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM

  • S2020E05 Is It Okay to Rent?

    • February 26, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H You've probably heard that homeownership is a must... but what if it's not in the cards for you? Is there a financially responsible way to rent? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://ipropertymanagement.com/research/renters-vs-homeowners-statistics https://www.incharge.org/financial-literacy/budgeting-saving/how-to-save-money-on-rent/ https://affordanything.com/is-renting-better-than-buying-should-i-rent-or-buy/ -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM

  • S2020E06 Bond. Savings Bond.

    • March 4, 2020

    Check out Antarctic Extremes on PBS Terra: https://www.youtube.com/watch?v=EvRAuy1ZmTc SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H If stocks have you SHAKEN, but you're not STIRRED by savings accounts, maybe this is the secret agent you've been hunting for! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.investopedia.com/ask/answers/06/zerocouponregularbond.asp https://www.fool.com/retirement/2018/04/22/how-to-invest-in-bonds-for-beginners.aspx https://en.wikipedia.org/wiki/Coupon_(bond) https://seekingalpha.com/article/4066127-municipal-defaults-while-rare-occur https://money.cnn.com/2016/07/01/investing/puerto-rico-defaults-general-obligation-bonds/index.html https://www.investopedia.com/terms/i/investmentgrade.asp -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM

  • S2020E07 The Real Cost of Bottled Water

    • March 18, 2020

    Thank you for The Great Courses Plus for supporting PBS. To learn more click http://ow.ly/xIds30qn1nd SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H The water that comes from your tap is 3000x cheaper than what you can buy in a store... so why are Americans willing to spend money on it? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.circleofblue.org/2018/water-management/pricing/price-of-water-2018/ https://www.pvwc.com/story_of_water/html/costs.htm https://www.smithsonianmag.com/science-nature/the-trouble-with-bottled-water-40529397/ https://www.foodandwaterwatch.org/about/live-healthy/tap-water-vs-bottled-water https://www.foodandwaterwatch.org/insight/take-back-tap-big-business-hustle-bottled-water https://www.bloomberg.com/news/features/2017-09-21/nestl-makes-billions-bottling-water-it-pays-nearly-nothing-for?src=longreads https://www.cbsnews.com/news/water-bills-rising-cost-of-water-creating-big-utility-bills-for-americans/ https://www.cbsnews.com/news/are-you-prepared-for-unaffordable-water-bills/ https://www.vox.com/science-and-health/2017/5/19/15477702/map-30-us-cities-water-price https://www.npr.org/2019/02/08/691409795/a-water-crisis-is-growing-in-a-place-youd-least-expect-it https://www.bottledwater.org/types/tap-water https://thefactsaboutwater.org/regulations/tap-water/ https://www.americanrivers.org/rivers/discover-your-river/drinking-water/ https://www.epa.gov/sourcewaterprotection/drinking-water-mapping-application-protect-source-waters-dwmaps https://www.npr.org/2016/04/14/473806134/how-do-we-get-our-drinking-water-in-the-u-s https://www.moneycrashers.com/bottled-water-vs-tap-water-facts/ https://en.wikipedia.org/wiki/Bottled_water https://www.creditdonkey.com/bottled-water-statistics.html https://www.cbsnews.com/news/bottled-water-sales-outpace-soda-for-the-first

  • S2020E08 COVID-19 Crashed the Market. Now What?

    • March 25, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H You're sheltered at home, watching the market plunge... should you sell? Or buy? Is it different this time? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.google.com/url?q=http://www.buenavistainv.com/dbimages/2014%2520Retirment%2520Guide.pdf&sa=D&ust=1585152454797000&usg=AFQjCNFWW4qT12RyG4mAI29wsi0L7J08xQ https://www.usatoday.com/in-depth/money/2020/03/17/coronavirus-how-stocks-moved-previous-bear-markets/5011397002/ -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM

  • S2020E09 Will I Get Money from the Stimulus Bill? (COVID-19)

    • April 1, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Congress just passed a huge stimulus package that includes direct payments and unemployment benefits... Are you eligible? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com https://www.nytimes.com/2020/03/27/us/politics/coronavirus-house-voting.html https://www.washingtonpost.com/business/2020/03/26/unemployment-claims-coronavirus-3-million/ https://www.vox.com/2020/3/27/21196202/house-passes-2-trillion-coronavirus-stimulus-package https://www.vox.com/future-perfect/2020/3/23/21190955/stimulus-checks-from-government-approved https://www.nolo.com/legal-encyclopedia/collecting-unemployment-benefits-texas-32500.html https://www.nytimes.com/article/coronavirus-stimulus-package-questions-answers.html https://www.investopedia.com/terms/u/unemployment-compensation.asp -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM

  • S2020E10 How to Survive an Unemployment Crisis (COVID-19)

    • April 8, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H If the coronavirus pandemic has slashed your income, here's how to rethink your spending without giving up the things that keep you sane! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com https://www.businessinsider.com/personal-finance/pause-bill-payments-if-you-lost-work-due-to-coronavirus https://www.vox.com/policy-and-politics/2020/3/24/21191075/coronavirus-recession-worker-layoffs-unemployment-economy-restaurants-stimulus-bill https://www.epi.org/blog/every-state-will-lose-jobs-as-a-result-of-the-coronavirus-policymakers-must-take-action/ -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM

  • S2020E11 Can the Food Service Industry Survive Coronavirus?

    • April 23, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Food service is one of the first and hardest hit sectors of our economy... how are small business owners coping? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Sources: sba.gov https://www.nytimes.com/article/ppp-paycheck-protection-program-small-business.html https://www.cbsnews.com/news/paycheck-protection-program-heather-sanborn-owner-rising-tide-brewing-loan-sba/ https://www.nytimes.com/2020/04/09/business/smallbusiness/small-business-disaster-loans-coronavirus.html?action=click&module=RelatedLinks&pgtype=Article https://www.bloomberg.com/news/articles/2020-04-14/hedge-fund-managers-are-claiming-bailouts-as-small-businesses https://www.cnbc.com/2020/04/13/some-small-businesses-are-starting-to-get-rescue-funds-but-payouts-overall-are-lagging-behind.html https://www.businessreport.com/newsletters/new-questions-surface-as-ppp-applications-open-for-1099-workers https://www.forbes.com/sites/bernhardschroeder/2020/04/14/angies-list-co-founder-serves-up-advice-to-small-business-home-service-providers-on-weathering-the-coronavirus-storm/#3e164da0d55c https://www.nbcdfw.com/news/coronavirus/some-small-businesses-seeing-welcome-increase-in-customers/2350965/ https://hbr.org/2020/04/a-way-forward-for-small-businesses https://www.marketplace.org/2020/04/14/covid-19-small-business-loans-paycheck-protection-program-2/ https://www.washingtonpost.com/business/2020/04/11/restaurant-grocery-sell-coronavirus/ https://www.vox.com/2020/4/15/21221966/march-retail-sales-collapse-economy https://bench.co/blog/operations/ppp-loan-forgiveness/ https://www.pymnts.com/coronavirus/2020/restaurants-seek-more-aid-amid-april-losses/ -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We lov

  • S2020E12 Will Economic Stimulus Save the Economy? (COVID-19)

    • April 29, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H The U.S. just passed the biggest economic stimulus package in history in response to COVID-19... what do past examples tell us about its effectiveness? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Sources: https://smartasset.com/financial-advisor/monetary-fiscal-government-stimulus https://www.usatoday.com/story/news/politics/2020/03/25/coronavirus-emergency-bill-how-does-it-compare-9-11-financial-crisis/5010452002/ https://howmuch.net/articles/worlds-economic-programs-against-coronavirus https://www.google.com/url?q=https://www.cbsnews.com/news/coronavirus-stimulus-package-pay-united-states/&sa=D&ust=1588189250751000&usg=AFQjCNEcM1zy2fzDfVYYVXZLZuxqZYbP1Q -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM

  • S2020E13 Is Price Gouging Bad?

    • May 8, 2020

    Check out Antarctic Extremes on PBS Terra: https://youtu.be/SzL8D1AtyQs SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Price gouging during a crisis is universally frowned upon and punishable by law in most states... so why would economists say it's actually not a bad thing? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.nytimes.com/2020/03/13/nyregion/coronavirus-panic-buying.html?action=click&module=RelatedLinks&pgtype=Article https://thehill.com/homenews/state-watch/494993-iowa-man-accused-of-price-gouging-for-toilet-paper-cleaning-supplies https://www.dmagazine.com/healthcare-business/2020/04/price-gouging-concerns-in-the-covid-19-era/ https://www.cnbc.com/2020/04/10/coronavirus-price-gouging-bill-from-warren-fights-price-gouging.html https://www.forbes.com/sites/reneemorad/2020/04/20/5-ways-to-avoid-coronavirus-related-price-gouging/#50f670c34922 https://reason.com/2020/03/18/why-price-gouging-laws-are-a-bad-idea/ https://www.econlib.org/archives/2017/09/thaler_on_price.html https://www.econlib.org/library/Columns/y2017/Davisgouging.html#footnote3 https://www.marketplace.org/shows/marketplace/09012017-2/ https://www.econlib.org/archives/2017/09/a_poll_of_econo.html https://www.npr.org/sections/money/2012/10/29/163861383/why-economists-love-price-gouging-and-why-its-so-rare https://consumer.findlaw.com/consumer-transactions/price-gouging-laws-by-state.html -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox P

  • S2020E14 Are We Headed for a Depression?

    • May 28, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H You may have heard the word "depression" being tossed around lately, but before you panic, learn what it really means, and how we got out of one before. Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: https://www.politico.com/news/magazine/2020/03/19/coronavirus-defense-production-world-war-two-lessons-135814 https://eh.net/encyclopedia/economic-recovery-in-the-great-depression/ https://www.history.com/news/life-for-the-average-family-during-the-great-depression https://www.thebalance.com/fdr-and-the-new-deal-programs-timeline-did-it-work-3305598 https://www.politico.com/newsletters/global-translations/2020/03/20/can-we-avoid-an-economic-depression-488635 https://exclusive.multibriefs.com/content/is-a-new-new-deal-possible/civil-government https://livingnewdeal.org/a-new-new-deal-is-possible-richard-walker-interviewed-in-multibriefs/ https://www.investopedia.com/terms/r/recession.asp https://en.wikipedia.org/wiki/Depression_(economics) https://www.politico.com/news/magazine/2020/03/19/coronavirus-defense-production-world-war-two-lessons-135814 https://www.npr.org/2020/03/26/821787090/episode-985-where-do-we-get-2-000-000-000-000?fbclid=IwAR1ZHaCDTgy4Cx3Eaf63NCVgoP69NKRLj3R4bqefc0G9WdKoYCB_h8x6ixM -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM

  • S2020E15 Is the Stock Market Irrational?

    • June 4, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H The economic numbers look bleak, but the stock market is strangely optimistic... Has it lost touch with reality? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com sources: Thaler, Richard H.. Misbehaving: The Making of Behavioral Economics. W. W. Norton & Company. https://www.nytimes.com/2020/04/30/opinion/economy-stock-market-coronavirus.html https://www.longtermtrends.net/market-cap-to-gdp/ https://en.wikipedia.org/wiki/Efficient-market_hypothesis https://onlinelibrary.wiley.com/doi/abs/10.1111/1540-6261.00556 https://en.wikipedia.org/wiki/Black_Monday_(1987) https://www.cnbc.com/2020/04/25/making-sense-of-a-stock-market-just-16percent-off-its-high-while-a-pandemic-costs-26-million-jobs.html https://www.vox.com/covid-19-coronavirus-economy-recession-stock-market/2020/5/6/21248069/stock-market-economy-federal-reserve-jerome-powell https://www.washingtonpost.com/business/2020/05/09/one-chart-shows-how-stock-market-is-completely-decoupled-labor-market/ https://www.investopedia.com/terms/m/marketcapgdp.asp https://smallbusiness.chron.com/emotional-theory-stock-market-1815.html https://www.investopedia.com/articles/01/030701.asp https://blog.oup.com/2020/03/how-emotions-affect-the-stock-market/ -- Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM

  • S2020E16 Should I Invest in Gold?

    • June 17, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H In times of uncertainty, gold can seem like an attractive option... but is it really a viable long-term investment? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: https://www.ancient.eu/gold/ https://www.theguardian.com/money/us-money-blog/2013/sep/26/gold-investment-driven-market-fears https://www.investopedia.com/articles/basics/08/invest-in-gold.asp https://www.investopedia.com/ask/answers/021615/does-warren-buffett-invest-gold-why-or-why-not.asp https://www.nytimes.com/2013/07/28/business/budging-just-a-little-on-investing-in-gold.html https://www.doughroller.net/investing/6-reasons-gold-is-a-terrible-investment/ https://www.usinflationcalculator.com/inflation/historical-inflation-rates/ https://www.macrotrends.net/1333/historical-gold-prices-100-year-chart https://www.investopedia.com/articles/active-trading/050715/how-safe-are-gold-and-silver-investments.asp https://www.consumer.ftc.gov/articles/0134-investing-gold Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM

  • S2020E17 Is There Such a Thing as Good Debt?

    • June 25, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Some say that debt is the gateway to your goals, others say it's a ball and chain that will drag you down... So who's right? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: http://archive.boston.com/bostonglobe/ideas/articles/2011/08/21/which_came_first_money_or_debt/ https://www.debt.org/advice/good-vs-bad/#:~:text=What's%20the%20difference%3F,for%20it%2C%20it's%20bad%20debt. https://www.richdad.com/how-to-start-a-business-without-money-part-1#at_pco=smlrebh-1.0&at_si=5edeae9a55751dc1&at_ab=per-2&at_pos=0&at_tot=4 https://thecollegeinvestor.com/4726/ultimate-hypocrite-robert-kiyosaki-companys-bankruptcy/ https://www.gpb.org/news/2011/07/24/the-evolution-of-debt-from-mesopotamia-to-america https://www.aplu.org/projects-and-initiatives/college-costs-tuition-and-financial-aid/publicuvalues/employment-earnings.html#:~:text=On%20an%20annual%20basis%2C%20bachelor's,is%20a%20high%20school%20diploma.&text=The%20earnings%20gap%20between%20college,less%20education%20continues%20to%20widen.&text=For%20high%20school%20graduates%20the,earnings%20are%20%2430%2C000%20a%20year. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM

  • S2020E18 What's the Best Way to Support Musicians?

    • July 2, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Even before live gigs were cancelled, many musicians were struggling to make a living... what can you do to help your favorite artists? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: https://www.rollingstone.com/pro/news/the-median-u-s-musician-is-still-making-under-25000-a-year-666833/ https://www.npr.org/templates/story/story.php?storyId=17272855 https://www.theguardian.com/music/2019/may/31/napster-twenty-years-music-revolution https://money.cnn.com/2010/02/02/news/companies/napster_music_industry/ https://www.investopedia.com/articles/personal-finance/121614/how-pandora-and-spotify-pay-artists.asp https://www.businessinsider.com/how-apple-music-and-spotify-pay-music-artist-streaming-royalties-2020-1 https://www.theatlantic.com/ideas/archive/2020/03/musicians-coronavirus-second-cataclysm/608074/ https://www.theguardian.com/music/2017/jan/30/where-does-concert-ticket-money-go https://www.wsj.com/articles/for-musicians-screen-time-is-a-growing-source-of-income-11556377200 https://smallbusiness.chron.com/divide-percentages-record-label-39258.html https://www.thebalancecareers.com/how-does-tour-merchandising-work-2460898 Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Jon Fortenbury Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM stock footage: The Prelinger Archive and British Pathé special thanks to Tim Kasher

  • S2020E19 Are 401(k)s a Financial Silver Bullet?

    • July 15, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Almost every financial adviser recommends having a 401(k)... but are they the surefire solution they're made out to be? Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: https://www.cnbc.com/2017/01/04/a-brief-history-of-the-401k-which-changed-how-americans-retire.html https://www.fool.com/investing/2018/06/05/pensions-are-disappearing-heres-how-to-save-for-re.aspx https://20somethingfinance.com/401k-match/ https://www.investopedia.com/articles/personal-finance/061913/hidden-fees-401ks.asp https://money.usnews.com/investing/investing-101/articles/2018-01-08/the-ugly-truth-about-retirement-savings-shortfalls https://www.cnbc.com/2019/03/07/63-percent-of-americans-are-confused-about-401k-retirement-plans.html Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM

  • S2020E20 Can You Get into Real Estate for $100?

    • July 23, 2020

    Check out Career Hacks: https://www.youtube.com/watch?v=XcvHlFpR04I Looking to get into the real estate game but lack the tens of thousands of dollars for a down payment? Well, let us give you a tour! Two Cents on FB: https://www.facebook.com/TwoCentsPBS Two Cents on Twitter: @twocentspbs Email us: twocentspbs@gmail.com Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM

  • S2020E21 What Should I Do with My Loose Change?

    • July 29, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H What better time than a national coin shortage to reflect on the importance of your loose change! Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Joe Rothenberg Images by: Shutterstock Music by: APM

  • S2020E22 The Smart Person's Guide to Giving

    • August 13, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Whether you can give a little or a lot, being smart about how you donate your dollars can make them go farther and help more people in need. Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: https://www.propublica.org/article/how-the-red-cross-raised-half-a-billion-dollars-for-haiti-and-built-6-homes https://www.tampabay.com/news/nation/americas-50-worst-charities-rake-in-nearly-1-billion-for-corporate/2339540/ https://www.vox.com/the-big-idea/2017/4/24/15377056/big-charities-best-charities-evaluation-nonprofit https://www.usatoday.com/story/money/taxes/2018/07/06/how-much-average-taxpayer-give-charity-taxes-2018/36561381/ Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Jon Fortenbury & Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM

  • S2020E23 Philip & Julia Go to THERAPY!

    • August 19, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H How does your emotional history impact your financial decisions? We went to therapy to find out! Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Special Thanks to Michelle Bohls, LMFT Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM Stock footage: Prelinger Archives

  • S2020E24 The HIDDEN COSTS of Every Decision You Make!

    • August 28, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Every decision you make comes with a price, which economists call the "opportunity cost." Understanding it can help you become a better CFO of your life. Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: https://en.wikibooks.org/wiki/Microeconomics/Opportunity_Cost https://www.thebalance.com/what-is-opportunity-cost-357200 https://examples.yourdictionary.com/opportunity-cost-examples.html https://www.wsj.com/articles/pepsi-cola-replaces-diet-coke-as-no-2-soda-1427388559 Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM

  • S2020E25 How to Deal with Debt Collectors!

    • September 9, 2020

    Thank you to Audible for supporting PBS. Visit https://www.audible.com/twocents or text "twocents"to 500 500 to learn more about Audible. SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H No matter what circle of Debt Collection Heck you're stuck in, we've got the tips that will help you claw your way back to the surface! sources: https://www.nerdwallet.com/blog/finance/unpaid-debt-collections/ https://www.investopedia.com/articles/personal-finance/121514/how-debt-collection-agency-business-works.asp https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text https://www.bankrate.com/finance/debt/old-debt-fall-credit-report.aspx https://www.youtube.com/watch?v=H03pg7QHsnY https://www.clearpoint.org/blog/why-credit-counseling-should-always-be-free/ https://smartasset.com/credit-score/how-to-negotiate-a-debt-settlement-on-your-own Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM

  • S2020E26 The Best Way to Apply for Student Aid!

    • September 16, 2020

    Check out Self-Evident on PBS Voices: https://youtu.be/Bwsne4eMVyU Take the PBS Digital Studios annual survey: http://to.pbs.org/2020survey Whether you're in college, going to college, or have kids that will go to college, how you go about applying for financial aid can make the difference between a full ride and a lifetime of debt! sources: https://nces.ed.gov/fastfacts/display.asp?id=31 (nerdy fin aid breakdowns) https://www.salliemae.com/about/leading-research/how-america-pays-for-college/ https://www.salliemae.com/college-planning/tools/college-planning-calculator/ https://www.wisebread.com/12-surprising-ways-to-get-more-college-financial-aid https://www.businessinsider.com/why-is-college-so-expensive-2018-4 https://www.nerdwallet.com/blog/loans/student-loans/what-is-work-study/ https://nypost.com/2018/06/25/young-americans-suffering-from-serious-case-of-student-loan-regret/ https://www.usnews.com/education/best-colleges/paying-for-college/articles/paying-for-college-infographic https://www.savingforcollege.com/article/how-to-get-more-financial-aid-for-college Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM

  • S2020E27 The History of the US Dollar

    • September 23, 2020

    Thank you to Target for supporting PBS. You can learn more at: https://target.com/community Share your story today: https://to.pbs.org/3izZeXh How did the US dollar come to be the most ubiquitous, trusted and traded currency in the history of the world? Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: Weatherford, Jack. "The History of Money." Three Rivers Press, 1997. https://www.sporcle.com/blog/2019/03/who-is-on-us-money-and-why/ https://www.biography.com/news/historial-figures-on-us-money https://www.thoughtco.com/faces-on-us-currency-4153995 https://www.usmint.gov/learn/history/overview https://www.bbc.com/worklife/article/20190528-the-curious-origin-of-the-symbol https://en.wikipedia.org/wiki/Dixie#:~:text=Origin%20of%20the%20name,-Ten%2Ddollar%20note&text=%22Dixie%22%20is%20derived%20from%20Jeremiah,subsequent%20to%20the%20Missouri%20Compromise. https://www.insider.com/us-dollar-bill-evolution-2018-6#:~:text=16th%20US%20President%20Abraham%20Lincoln,money%20approved%20by%20the%20government).&text=The%20large%2Dformat%20bill%20featured,Treasury%20during%20the%20Civil%20War. https://en.wikipedia.org/wiki/Reserve_currency#:~:text=In%201944%2C%20when%20the%20US,second%20currency%20in%20global%20reserves. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: APM

  • S2020E28 Who's To Blame for Evictions?

    • November 18, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Some say America is in the midst of an eviction epidemic... but whose fault is it? Greedy landlords? Deadbeat tenants? Let's hear the evidence! sources: evictionlab.org https://www.nbcnews.com/business/personal-finance/large-corporate-landlords-have-filed-10-000-eviction-actions-five-n1244711 https://www.realtor.com/advice/rent/how-to-fight-an-eviction-during-coronavirus-pandemic/ https://www.npr.org/2020/08/20/904456209/the-looming-eviction-crisis https://www.npr.org/transcripts/830237502 https://www.investopedia.com/articles/mortgages-real-estate/09/so-you-wanna-be-a-landlord.asp https://www.investopedia.com/terms/e/eviction.asp https://www.nytimes.com/2019/12/12/upshot/eviction-prevention-solutions-government.html https://www.wnycstudios.org/podcasts/otm/episodes/scarlet-e-part-iii-tenants-and-landlords https://www.cnet.com/personal-finance/new-national-eviction-moratorium-for-the-rest-of-2020-what-you-need-to-know/ https://www.forbes.com/sites/robertfarrington/2020/07/15/what-an-eviction-freeze-means-for-mom-and-pop-landlords/#638f426a7061 https://time.com/5846383/coronavirus-small-landlords/ https://www.huduser.gov/portal/pdredge/pdr-edge-frm-asst-sec-061118.html https://www.nytimes.com/interactive/2018/04/07/upshot/millions-of-eviction-records-a-sweeping-new-look-at-housing-in-america.html https://www.bloomberg.com/news/articles/2020-10-22/landlords-launch-legal-attack-on-cdc-eviction-ban https://medium.com/justfixnyc/examining-the-myth-of-the-mom-and-pop-landlord-6f9f252a09c https://www.brookings.edu/blog/up-front/2020/09/21/an-eviction-moratorium-without-rental-assistance-hurts-smaller-landlords-too/ https://www.bloombergquint.com/onweb/eviction-filings-by-big-landlords-surged-after-trump-issued-ban https://nypost.com/2020/02/04/more-americans-are-spending-over-half-their-income-on-housing/ Two Cents was created by Katie Graha

  • S2020E29 How Your Cellphone Is Ripping You Off!

    • December 9, 2020

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H That magical little brick in your pocket is making your money--and time--disappear! sources: https://www.vox.com/2017/2/17/14642190/phone-data-unlimited-ripoff-verizon-sprint-tmobile-att-joanna-stern-recode-podcast https://www.tomsguide.com/us/wireless-carrier-ripoffs,news-22607.html https://themarkup.org/2020/09/03/cost-speed-of-mobile-data-by-country https://money.cnn.com/2015/04/23/technology/cell-phone-ripoff/index.html https://www.usatoday.com/story/money/personalfinance/2013/09/14/cellphones-for-poor-people/2805735/ https://blog.innerdrive.co.uk/6-reasons-to-put-your-phone-away https://www.vox.com/2014/7/8/5880335/what-cell-phone-ownership-says-about-poverty-in-america https://www.nytimes.com/2014/05/01/business/economy/changed-life-of-the-poor-squeak-by-and-buy-a-lot.html https://www.visualcapitalist.com/cost-of-mobile-data-worldwide/ https://www.whistleout.com/CellPhones/Guides/3-Reasons-Why-You-May-Not-Need-Unlimited-Data https://www.androidcentral.com/do-you-need-unlimited-plan Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Dano Johnson Images by: Shutterstock Music by: AP

Season 2021

  • S2021E01 Can You Be an Ethical Investor?

    • January 6, 2021

    Thank you to Morning Brew for supporting PBS. To learn more head over to http://cen.yt/mbtwocents Check out an episode of Overview on the Terra channel: https://youtu.be/hjez0W8SPXc SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Is there a way to strengthen your portfolio without being a "part of the problem"? Actually, there is! sources: https://www.investopedia.com/news/history-impact-investing/#:~:text=The%20Methodists%2C%20under%20the%20aegis,in%20slavery%20and%20war%2C%20and https://www.cnbctv18.com/views/who-cares-wins-why-the-integration-of-environment-social-and-governance-factors-is-crucial-for-business-3483701.htm https://www.spglobal.com/en/research-insights/articles/understanding-the-e-in-esg https://www.spglobal.com/en/research-insights/articles/what-is-the-s-in-esg https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/54330232 https://www.investopedia.com/articles/economics/08/protest-divestment-south-africa.asp https://www.sicm.com/docs/who-rates.pdf https://www.thecut.com/2020/10/a-beginners-guide-to-socially-responsible-investing.html https://www.morganstanley.com/ideas/sustainable-investing-competitive-advantages https://www.investmentnews.com/esg-funds-have-never-been-cheaper-as-vanguard-sets-off-fee-war-78631 https://www.nerdwallet.com/article/investing/socially-responsible-investing#:~:text=The%20options%20available%20to%20those,up%20from%20111%20in%202014 Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson, AFC® Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson, AFC® Executive Producer: Amanda Fox Produced by: Katie Graha

  • S2021E02 Should the U.S. Government Balance Its Budget?

    • January 27, 2021

    Check out If Cities Could Dance on Voices: https://youtu.be/PEepolx2AdE SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H You've probably heard a politician say, "If a household can balance their budget, then the federal government should, too!" But it turns out to be a bit more complicated than that... sources: https://www.investopedia.com/articles/investing/082415/what-are-federal-reserve-chairmans-responsibilities.asp https://www.usa.gov/budget https://datalab.usaspending.gov/americas-finance-guide/ https://www.nytimes.com/2020/04/15/business/coronavirus-stimulus-money.html https://www.investopedia.com/articles/investing/081415/understanding-how-federal-reserve-creates-money.asp https://advocacy.sba.gov/2019/01/30/small-businesses-generate-44-percent-of-u-s-economic-activity/ https://www.investopedia.com/insights/what-does-secretary-treasury-do/#:~:text=The%20Secretary%20of%20the%20Treasury%20acts%20as%20a%20principal%20advisor,printing%20money%2C%20and%20collecting%20taxes. https://www.thebalance.com/us-deficit-by-year-3306306 https://www.statista.com/statistics/268356/ratio-of-government-expenditure-to-gross-domestic-product-gdp-in-the-united-states/ https://knowledge.wharton.upenn.edu/article/does-austerity-work-or-does-it-make-things-worse/ https://www.ft.com/content/0940e381-647a-4531-8787-e8c7dafbd885 https://www.thebalance.com/austerity-measures-definition-examples-do-they-work-3306285 https://www.nytimes.com/2020/08/21/business/economy/national-debt-coronavirus-stimulus.html Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson, AFC® Directors: Katie Graham & Andrew Matthews Written by: Andrew Matthews Executive

  • S2021E03 How Home Loans Segregated America

    • February 17, 2021

    Thank you to NordPass for Supporting PBS. You can go to https://nordpass.com/twocents to learn more. Use code "twocents" at https://nordpass.com/twocents SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H For decades, the American Dream of owning a house was denied to certain segments of the population... and we are still living with the effects today. Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: https://medium.com/themap/if-you-roll-your-eyes-at-white-privilege-focus-them-on-redlining-b5aa81100360 https://en.wikipedia.org/wiki/Civil_Rights_Act_of_1968 https://www.npr.org/2017/05/03/526655831/a-forgotten-history-of-how-the-u-s-government-segregated-america https://www.npr.org/sections/codeswitch/2017/03/31/522098019/everyone-pays-a-hefty-price-for-segregation-study-says https://www.britannica.com/topic/redlining https://www.smithsonianmag.com/history/how-federal-government-intentionally-racially-segregated-american-cities-180963494/ https://www.federalreserve.gov/econres/notes/feds-notes/disparities-in-wealth-by-race-and-ethnicity-in-the-2019-survey-of-consumer-finances-20200928.htm https://www.mckinsey.com/industries/public-and-social-sector/our-insights/the-economic-impact-of-closing-the-racial-wealth-gap# https://www.brookings.edu/research/devaluation-of-assets-in-black-neighborhoods/' https://depts.washington.edu/civilr/covenants_report.htm Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson, AFC® Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson, AFC® Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Andrew Matthews Images by: Shutterstock Music by: APM

  • S2021E04 How Social Media Keeps You Poor!

    • March 10, 2021

    SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Social media has become such a pervasive part of our lives, we're often not even aware of the ways it pushes us to spend more money. Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions. sources: https://www.aarp.org/money/budgeting-saving/info-2014/spending-money-on-social-media.html https://www.aarp.org/money/budgeting-saving/info-12-2013/saving-money-with-social-media.html https://www.researchgate.net/publication/256035785_Are_Close_Friends_the_Enemy_Online_Social_Networks_Self-Esteem_and_Self-Control https://www8.gsb.columbia.edu/newsroom/newsn/2243/social-networks-may-inflate-selfesteem-reduce-selfcontrol https://www.newsy.com/stories/social-media-is-influencing-millennial-spending-habits/ https://www.cnbc.com/2018/03/15/social-media-may-make-you-overspend-and-its-not-just-because-of-ads.html https://theconversation.com/sharing-your-shopping-on-social-media-can-damage-your-health-and-your-wallet-100591 https://www.collinscu.org/whats-new/blog-press/how-social-media-is-affecting-your-spending#:~:text=Social%20media%20has%20a%20powerful,if%20you%20are%20not%20careful. https://www.financialaffairs.com.au/news-source/four-ways-social-media-affects-our-spending https://www.entrepreneur.com/article/307747 https://www.adweek.com/digital/fullscreens-research-finds-gen-z-enjoys-branded-content-more-than-Millennials/ https://www.mentalfloss.com/article/63855/why-saturday-morning-cartoons-announced-theyd-be-back-after-these-messages https://www.cosmopolitan.com/uk/reports/a23577731/influencer-rules-instagram-asa/#:~:text=What%20influencers%20have%20to%20say,can%20be%20in%20hashtag%20form. https://prosandcontent.knotch.com/posts/native-advertising-vs-br

  • S2021E05 Is the Savings Account Dead?

    • March 31, 2021

    Thank you to The Great Courses Plus for supporting PBS. To learn more and to start your trial, visit http://ow.ly/jG9B30rzWjF SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Once upon a time, savings accounts were a decent investment option, but today they rarely keep up with inflation... what happened? sources: https://www.nerdwallet.com/article/banking/checking/history-of-bank-accounts https://www.bankrate.com/banking/cds/historical-cd-interest-rates/ https://www.moneyunder30.com/how-banks-make-money https://www.moneyunder30.com/peer-to-peer-lending-sites-for-borrowers-and-investors https://www.infoplease.com/business/economy/money-market-interest-rates-and-mortgage-rates-1980 Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson, AFC® Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson, AFC® Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM

  • S2021E06 Can You Really Save Money by Going Green? (And How Much?)

    • April 21, 2021

    Check out Weathered on PBS Terra: https://youtu.be/7YwKAU3hBLg SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds SUBSCRIBE to Two Cents! https://goo.gl/jQ857H Electric cars, solar power, organic food... They may be great for the earth, but what about my pocketbook? sources: https://www.history.com/news/early-environmentalists https://en.wikipedia.org/wiki/Environmentalism#History https://www.nvenergy.com/save-with-powershift/tips-to-save https://www.cbsnews.com/news/buying-green-is-too-pricey-for-the-average-consumer/ https://www.washingtonpost.com/lifestyle/home/why-you-should-switch-to-led-lightbulbs-right-now-before-the-law-requires-it/2018/01/16/c2d915f4-f0a2-11e7-b3bf-ab90a706e175_story.html https://www.energy.gov/eere/femp/energy-cost-calculator-faucets-and-showerheads#output https://www.hgtv.com/design/remodel/bathroom-remodel/low-flow-shower-head-benefits https://www.npr.org/2021/02/01/962946561/general-motors-sets-all-electric-target-for-vehicles-by-2035 https://www.fhwa.dot.gov/ohim/onh00/bar8.htm https://www.fueleconomy.gov/feg/savemoney.jsp https://www.fueleconomy.gov/feg/taxevb.shtml https://time.com/nextadvisor/insurance/car/cheapest-cars-to-insure/ https://www.consumerreports.org/car-repair-maintenance/pay-less-for-vehicle-maintenance-with-an-ev/ https://cars.usnews.com/cars-trucks/car-insurance/low-mileage-car-insurance https://sites.energycenter.org/solar/homeowners/cost https://earth.org/the-biggest-environmental-problems-of-our-lifetime/ Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson, AFC® Directors: Katie Graham & Andrew Matthews Written by: Jon Fortenbury Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM

Additional Specials

  • SPECIAL 0x3 Is It Smart To Outsource Your Chores?

    • October 31, 2018
    • YouTube

    Time is money...right? How are on-demand services hurting and helping our wallets? When is it an investment to use these services?