**Nicole Lapin** (0:00)
I know you're listening to Money Rehab to learn about smart money moves. So I'm gonna tell you one right now before the episode even starts. You can make your money work harder for you by opening a SOFI high-yield checking and savings account. Most traditional banks give you less than 0.1% APY on your savings, that's literal pennies. But with SOFI, you can earn up to eight times the national average savings rate with an eligible direct deposit. You make a lot of hard decisions about your money. This is an easy one. I'll even do the math for you. If you put $5,000 in a savings account with a 0.1% APY, after six months, you'll earn about $2.50. But if you put that same $5,000 into a SOFI high yield checking and savings account, you could earn almost $200. And that difference adds up over time. Plus, enjoy no account fees, no minimums and a cash bonus up to $400 when you sign up with an eligible direct deposit of at least $1,000.
They're Forbes' number one bank in the US for a reason. Get started today at sofi.com/mnn, as in Money News Network. Terms apply. SOFI Bank, NA, member FDIC and equal housing lender. I get a lot of DMs with financial questions. Questions from people at all different points in their financial journey. People ask me, can I afford a house? How do I retire with a few million bucks? How can I invest in private companies before they IPO? I wanted to not just answer these questions, but take it a step further. I wanted to create a fiduciary wealth management firm to answer your questions and help you execute. So I did. I just launched a boutique fiduciary wealth management firm, Private Wealth Collective, that offers two powerful pathways, financial planning to build your financial foundation with education and accountability, and full wealth management with personalized transparent investment guidance.
I created it to fix what I believe is broken in traditional wealth management, high minimums, hidden fees, and gatekeeping, bringing the same caliber of advice historically reserved for the ultra wealthy, but without attitude or barriers, so everyday high achievers can finally gain clear, actionable control over their money. To see how we can help you, sign up for a free introductory call at privatewealthcollective.com or check out the link in the show notes of this episode. That's privatewealthcollective.com.
I can't spend all day scrolling Instagram. I have a business. Okay, more than one to run. But here's the thing, running a business means being on social media, not my personal page. I'm talking brand pages, a whole network of them, which is why I turned to Upwork to find the perfect social media manager to take this off my plate. Upwork helps grow your business by giving you fast access to specialized talent across 125 plus categories, so you can fill skill gaps, launch projects faster, and scale support up or down without committing to full time headcount. With Business Plus, you can access the top 1% of talent on Upwork, and with AI-powered shortlisting, you'll get matched to the right freelancer in under six hours. No endless searching required. Visit upwork.com right now and post your job for free. That is upwork.com to connect with the top talent ready to help your business grow. That's upwork.com, upwork.com.
**James Sexton** (3:21)
Being around people who are in the wreckage of weaponized intimacy, like the breakdown of relationship, has made me much more aware of how love isn't permanently gifted. It's loaned. The truth is, with some very limited preventative maintenance, I think money and love are very similar in that way, that the best advice isn't that sexy. There are little habits you can do every single day that are going to improve your situation and that are going to pay dividends over time.
**Nicole Lapin** (3:48)
James Sexton is America's divorce attorney. He is one of the most sought after experts on getting divorced and surprisingly staying together. We talked for so long and covered so much good ground that I'm actually splitting this conversation up into two episodes. So today, you're going to hear his advice for people who are getting married. In a few weeks, you're going to hear his advice for people who are thinking about getting divorced. Divorce can be really expensive and he has incredible advice on how to separate equitably. But today, we talk about what people should know before getting married.
**James Sexton** (4:16)
It's the only contract that you don't actually sign. You sign a marriage license, but it doesn't have the terms and conditions in it.
**Nicole Lapin** (4:21)
Some little known facts on what's actually enforceable in prenup.
**James Sexton** (4:25)
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