Two Cents

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

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/

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/

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

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

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

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

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

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

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

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

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

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

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

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:

Learn how to broach the subject with your parents!

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/

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

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

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

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

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

How Smart Entrepreneurs Think About PRICES!

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

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/

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.../

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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

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...

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/

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...

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

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

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

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

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

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...

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...

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/

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

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...

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

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