"> Your Money's Worth

Your Money's Worth Podcast

Your Money's Worth is a personal-finance podcast from Kiplinger that delivers timely, actionable guidance to help you earn, keep and make the most of your money. Each new weekly episode has down-to-earth insights on saving for retirement, cutting your tax bill, investing for growth and income, maintaining good credit, and much more.

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December 9, 2019

55: Money-Smart Strategies for Charitable Giving

Schwab Charitable president Kim Laughton joins our hosts Ryan Ermey and Sandy Block to discuss why you should use a donor-advised fund for year-end charitable giving. Also, the duo offers tips on how to avoid ID theft and holiday scams.

Listen - 00:29:46

December 3, 2019

54: Where to Invest in 2020

Kiplinger's executive editor Anne Smith joins our hosts Ryan Ermey and Sandy Block to discuss investing trends that will move markets in 2020. The pair also offer ways to thwart package thieves.

Listen - 00:29:44

November 26, 2019

53: Where to Find the Best Black Friday Deals

DealNews consumer analyst Julie Ramhold joins our hosts Ryan Ermey and Sandy Block to discuss how to find the best Black Friday deals. The pair also break down all the financial things that we have to be thankful for this year.

Listen - 00:23:31

November 18, 2019

52: How to Ask Your Boss for a Raise

Alison Green of Askamanager.org joins our hosts Ryan Ermey and Sandy Block to discuss best practices for asking your boss for a raise. Also, the pair break down why parents with high school teens should file the FAFSA application now.

Listen - 00:27:43

November 12, 2019

51: Retiring With Your Spouse

Kiplinger's retirement columnist and editor-at-large Janet Bodnar joins hosts Sandy Block and Ryan Ermey to offer tips on how to retire as a couple. Also, the pair talks tax breaks and perks for members of the military on Veterans Day.

Listen - 00:31:38

November 4, 2019

50: Make Better Benefits Decisions During Open Enrollment

Our hosts Sandy Block and Ryan Ermey talk with Jellyvision CEO Amanda Lannert about what to consider when choosing insurance plans during open enrollment. The pair also breaks down money moves to make right now to help prepare for 2020.

Listen - 00:32:11

October 29, 2019

49: The Truth About DNA Testing

Kiplinger's vice president of content Sarah Stevens joins our podcast hosts Sandy Block and Ryan Ermey to talk about the advantages, risks, obstacles and other things to consider when having your DNA tested.

Listen - 00:33:08

October 24, 2019

48: What You Should Know About Your State Taxes

Our podcast hosts Sandy Block and Ryan Ermey break down Kiplinger's updated state-by-state tax map. The duo also shares free shipping deals and lesser known Amazon Prime benefits.

Listen - 00:25:20

October 15, 2019

47: Why You Should Have an Estate Plan

Hosts Ryan Ermey and Sandra Block discuss why estate plans aren't just for the super rich with estate lawyer (and Ryan's sister) Lindsay Ermey. Also, the duo tackles the latest moves in the broker price wars, as well as the Yahoo data breach settlement.

Listen - 00:34:22

October 7, 2019

46: What to Know About the Tax Extension Deadline on October 15

Kiplinger.com tax editor Rocky Mengle joins host Ryan Ermey to discuss what you should know about the October 15 tax extension deadline. Also, Kiplinger's car guru David Muhlbaum offers tips on preparing your ride for winter.

Listen - 00:28:59

October 1, 2019

45: Financial Challenges Affecting the LGBTQ Community

Our podcast hosts Ryan Ermey and Sandy Block talk with financial coach Cait Howerton about the unique set of financial issues facing those in the LGBTQ community. Plus: The pair discuss why you should stop procrastinating and get your REAL ID driver's license now.

Listen - 00:26:49

September 23, 2019

44: How to Fix a Mistake on Your Credit Report

Kiplinger's resident credit guru Lisa Gerstner joins our podcast hosts Sandy Block and Ryan Ermey to explain how to take on the credit bureaus if there's a mistake (or outright fraud) on your credit report.

Listen - 00:27:52

September 16, 2019

43: How to Save Big and Retire Earlier

Our hosts Sandy Block and Ryan Ermey chat with Playing With FIRE author Scott Rieckens about money-saving strategies that can help you retire sooner. The pair also discusses travel safety tips and timeshare scams.

Listen - 00:32:17

September 9, 2019

42: Scoring Cheap Airfare With Scott Keyes

The founder of Scott’s Cheap Flights newsletter joins the show with strategies you can use to save on travel. Also, our hosts Ryan Ermey and Sandra Block talk streaming options for those thinking of ditching their cable service.

Listen - 00:29:36

September 4, 2019

41: When to Refinance Your Home

Kiplinger's real estate guru Pat Mertz Esswein shares why now is a great time to refinance your mortgage. Also, our hosts Ryan Ermey and Sandra Block delve into the recent surge in gold prices, as well as talk savings bonds and negative interest rates.

Listen - 00:24:00

August 26, 2019

40: Pick the Best Broker for You

Co-hosts Ryan Ermey and Sandra Block discuss Kiplinger’s annual ranking of online brokerages and take you through the ins and outs of buying a new car over Labor Day weekend.

Listen - 00:28:45

August 19, 2019

39: Best ETFs for a Volatile Market

Kiplinger.com senior investing editor Kyle Woodley talks investing strategies and recommends top ETF picks for a volatile market. Also, our hosts Sandy Block and Ryan Ermey explain why teens with summer jobs should stash some money in a Roth IRA.

Listen - 00:27:46

August 12, 2019

38: Is Your Home Covered If a Natural Disaster Strikes?

Hosts Sandy Block and Ryan Ermey are joined by longtime Kiplinger contributor Kim Lankford to discuss how to ensure your home is protected if a natural disaster hits. The pair also explains why college-branded debit cards aren't a smart move.

Listen - 00:24:29

August 5, 2019

37: Equifax Settlement: Should You Take the Money?

Contributing editor Lisa Gerstner discusses the Equifax data-breach settlement and the recent Capital One breach. Also, hosts Sandy Block and Ryan Ermey offer up strategies for hosting and shopping yard sales.

Listen - 00:29:44

July 30, 2019

36: The Best College Values

Associate editor Kaitlin Pitsker joins the show to discuss Kiplinger’s annual college value rankings. Plus, Sandy and Ryan discuss tax holidays and other back-to-school shopping deals.

Listen - 00:25:13

July 22, 2019

35: When to Start Taking Your Social Security Benefits

Kiplinger senior editor Eileen Ambrose discusses when is the best time to take Social Security to help maximize your benefits. Also, our hosts Sandy Block and Ryan Ermey delve into cost-friendly ways to keep cool during a summer heat wave.

Listen - 00:23:35

July 15, 2019

34: Credit vs. Debit Smackdown!

Kiplinger.com general manager Robert Long joins the podcast to debate the merits of credit and debit cards. Plus, hosts Sandy Block and Ryan Ermey break down strategies for paying off student loans.

Listen - 00:33:55

July 9, 2019

33: Boost Your Returns with Dividend Stocks

Kiplinger’s senior associate editor John Waggoner rejoins the show to discuss his favorite dividend-paying stocks.

Listen - 00:27:35

July 1, 2019

32: Is Pet Insurance a Good Deal?

Associate editor Pat Mertz Esswein joins the podcast to explain the costs and benefits of buying insurance for your pet. Plus, how to save money in the face of rising fuel costs.

Listen - 00:23:39

June 24, 2019

31: How to Boost Your Credit Score

Kiplinger contributing editor Lisa Gerstner joins hosts Ryan and Sandy to discuss best practices for giving your credit score a boost. Also: Discover investment ideas for the "outer orbit" portion of your portfolio, and learn tax rules for renting out your home.

Listen - 00:27:28

June 17, 2019

30: How to Create a Budget and Stick to It

Maintaining a budget so you can build up your savings takes more than just ditching your daily latte addiction. Brunch and Budget founder Pam Capalad chats with hosts Ryan and Sandy about how to devise a spending and saving strategy that works for you. Plus: Learn why everybody should have a Roth IRA.

Listen - 00:35:04

June 10, 2019

29: Where the Stock Market Is Headed Now

Kiplinger's executive editor Anne Smith tells investors what to expect in the second half of 2019. Also, show hosts Sandy Block and Ryan Ermey talk movie tickets and student loans in a new game of Deal or No Deal.

Listen - 00:31:48

June 3, 2019

28: Travel Like a Pro: How to Overcome Delays, Lost Bags and More

Atmosphere Research's Henry Harteveldt joins our hosts Ryan and Sandy to share ways to travel without any last-minute delays, cancellations, missed flights or lost bags. The pair also discusses the ins and outs of creating and donating to crowdfunding campaigns.

Listen - 00:32:56

May 28, 2019

27: Money-Smart Ways to Save When Attending a Wedding

Kiplinger's associate editor Miriam Cross talks wedding guest etiquette and offers tips on how to attend without breaking the bank this summer. Also, hosts Sandy and Ryan explain the advantages of investing in 529 college savings plans.

Listen - 00:28:48

May 21, 2019

26: Don't Overpay for Your Next Rental Car

Kiplinger's resident car guru David Muhlbaum joins the podcast to tell consumers how to strike the best deal on rental cars for the summer travel season. Also, job-search strategies during a period of historically low unemployment.

Listen - 00:29:35

May 13, 2019

25: Prosper With Do-Gooder Investments

Parnassus Investments founder and socially conscious investing pioneer Jerry Dodson talks value investing and some of his favorite stocks. Also: Which tax documents should you keep (or toss)?

Listen - 00:29:54

May 7, 2019

24: Boost Your Income With a Side Hustle You’ll Love

Sidehusl.com editor Kathy Kristof discusses finding, vetting and profiting from side gigs. Also: Tax breaks for caregivers.

Listen - 00:30:16

April 30, 2019

23: How to Avoid Identity Theft

Podcast hosts Sandy Block and Ryan Ermey team up with Kiplinger's staff writer Brendan Pedersen to discuss how to prevent and recover from the most common forms of identity theft. The pair also break down some old school investing truisms.

Listen - 00:32:29

April 22, 2019

22: The Future of Retirement

Kiplinger's Retirement Report editor Rachel Sheedy joins podcast hosts Sandra Block and Ryan Ermey to discuss the changing landscape of retirement saving. The pair also share smart ways to spend your tax refund and explain all the fuss about the yield curve.

Listen - 00:33:32

April 15, 2019

21: Tax Day 2019: Money-Saving Tips for Everybody (Even If You've Already Filed)

Our hosts Ryan Ermey and Sandy Block walk you through all the last-minute advice you need to file your taxes -- from common errors to avoid to filing an extension to free filing software. The pair also discuss Tax Day consumer deals and freebies you don't want to miss.

Listen - 00:24:23

April 9, 2019

20: What Happens If Big Tech Breaks Up?

Hosts Ryan Ermey and Sandy Block are joined by Kiplinger Letter tech expert John Miley to discuss the ramifications of breaking up major tech companies such as Facebook and Google. The pair also delve into strategies for those who can't pay their tax bills on time.

Listen - 00:28:51

April 2, 2019

19: How to Raise Money-Smart Kids

Our hosts Ryan Ermey and Sandy Block are joined by Raising Money-Smart Kids author and Kiplinger editor-at-large Janet Bodnar to discuss how parents can help provide their children with a sound financial foundation. The pair also review common scam tactics in honor of April Fool's Day.

Listen - 00:32:24

March 25, 2019

18: Get Your Home and Finances in Order This Spring

Professional organizer Heather Cocozza joins hosts Ryan Ermey and Sandy Block to discuss how decluttering can save you time and money. Also, Sandy explains why you should set up an online Social Security account. The pair then wraps ups with some wacky PR pitches.

Listen - 00:29:00

March 19, 2019

17: How to Achieve Financial Independence

Hosts Sandy Block and Ryan Ermey discuss the financial independence movement with ChooseFI founder Brad Barrett. In addition, Sandy breaks down tax breaks for the middle class, and the pair debates whether it’s worth it to purchase travel insurance.

Listen - 00:33:27

March 11, 2019

16: Understanding the Cost of College

Kiplinger's staff writer and higher education guru Kaitlin Pitsker explains how parents and students can choose the best school that fits their financial needs. Hosts Ryan Ermey and Sandy Block also discuss how to reclaim forgotten money, as well as the ins and outs of credit freezes.

Listen - 00:23:12

March 4, 2019

15: Tips to Buy or Sell Your Home in 2019

Kiplinger's real estate expert Pat Mertz Esswein helps home buyers and sellers navigate the current housing market. Also, hosts Sandy Block and Ryan Ermey share which financial habits they're giving up during Lent, as well as play a game of Financial Fact or Fiction.

Listen - 00:27:43

February 25, 2019

14: What You Should Know About ETFs

Hosts Ryan Ermey and Sandy Block are joined by senior investing editor Kyle Woodley, who explains exchange-traded funds for investing newbies and pros alike. The pair also discusses the differences in popular tax software and delves into a travel-themed edition of Deal or No Deal.

Listen - 00:28:49

February 18, 2019

13: Exciting Trends in Tech

Kiplinger Letter technology editor John Miley joins hosts Sandy Block and Ryan Ermey to talk tech -- from smartwatches to self-driving cars. Also, Ryan reveals the best buys to look for on every shopping holiday of the year, and Sandy explains the benefits of health savings accounts.

Listen - 00:33:27

February 11, 2019

12: Couples and Money

Love is in the air, and Kiplinger senior editor Eileen Ambrose joins the podcast to talk about how to best manage financial issues with your significant other. Also, hosts Sandy Block and Ryan Ermey chat about the best and worst career paths over the next decade.

Listen - 00:26:18

February 4, 2019

11: Why It Pays to File Your Taxes Now

It's tax season, and co-host Sandy Block explains why taxpayers should file sooner rather than later. Then, she and fellow co-host Ryan Ermey discuss holiday debt hangover and share more wacky PR pitches. This leads the pair to dish on virtual pawn shops and meaningless market indicators.

Listen - 00:28:02

January 28, 2019

10: Undervalued Stocks Worth a Look

Kiplinger's senior associate editor John Waggoner returns to discuss top mutual fund managers' favorite undervalued stocks with podcast hosts Sandy Block and Ryan Ermey. The pair also delves into sports gambling (and make a few prop bets) just in time for the Super Bowl. Sandy and Ryan wrap things up with a new edition of "Deal or No Deal?" aimed at online shoppers.

Listen - 00:28:57

January 21, 2019

9: How to Manage a Financial Windfall

With host Ryan Ermey dreaming of winning big on the legendary game show Jeopardy!, he and fellow host Sandy Block discuss strategies for dealing with a financial windfall. Plus, advice on updating your retirement plan, as well as a lesson on market indexes.

Listen - 00:27:08

January 14, 2019

8: How to Book Luxury Travel for Less

Podcast hosts Ryan and Sandy welcome Kiplinger's associate editor and resident travel expert Miriam Cross to talk tips for traveling in style on a tight budget. The pair also discuss retail return policies and try to stump each other in a new edition of Financial Fact or Fiction.

Listen - 00:24:52

January 7, 2019

7: The Fastest-Growing Jobs and Industries of the Next Five Years

Jim Patterson, managing editor of The Kiplinger Letter, reveals the best opportunities for workers, businesses and investors in the next half-decade. Our podcast hosts also share their financial New Year’s resolutions and wrap up with a game of Deal or No Deal.

Listen - 00:26:42

December 24, 2018

6: Financial Planning Tips for Families From Knight Kiplinger

A gift from the Kiplinger family to yours, just in time for the holidays. Sandy and Ryan sit down for an extended chat with Kiplinger’s editor-in-chief Knight Kiplinger on all things families and finances.

Listen - 00:26:31

December 17, 2018

5: Skip the Car With the Big Red Bow

Kiplinger's senior online editor -- and resident car guru -- David Muhlbaum joins Ryan and Sandy to discuss buying a new car over the holidays. Our hosts also take a look at what's new in the world of charitable giving and crack each other up with more truly bizarre PR pitches.

Listen - 00:31:26

December 10, 2018

4: Interest Rates . . . and YOU!

Sandy and Ryan interview senior associate editor (and investing maven) John Waggoner on all things interest rates. Plus, the hosts come up with ways for you to avoid surprise fees during holiday travel and Sandy explains to Ryan, like he’s 5, the ins and outs of traditional and Roth 401(k)s.

Listen - 00:30:27

December 3, 2018

3: Year-End Tax Moves to Save Under the New Tax Law

Sandy schools Ryan on last-minute strategies to reduce your tax bill. The duo discuss the buzz surrounding cannabis stocks and play a game of financial fact or fiction on “use it or lose it” deals.

Listen - 00:25:55

November 26, 2018

2: Where Should I Put My Money Now?

Senior editor Anne Smith joins the show to talk investor moves in an uncertain market. Ryan and Sandy review holiday tipping protocol and share tales of their wackiest PR pitches.

Listen - 00:25:35

November 19, 2018

1: How to Score Holiday Deals on Black Friday and All Season Long

Hosts Sandy Block and Ryan Ermey interview online editor Andrea Browne Taylor about holiday shopping tips and tricks. The pair also discuss the basics of bear markets and dish about deals that aren’t as good as they seem.

Listen - 00:27:07