Cheryl Costa and Jay Furst
He Said She Said the Money Guide Podcast
Tune in and find out what is on the minds of two long-practicing, fee-only financial planners – Jay Furst and Certified Financial Planner ™ Cheryl Costa. Cheryl and Jay chat weekly about the markets and a wide range of personal finance topics.
Author
Cheryl Costa and Jay Furst
Category
Podcast website
Latest episode
Jul 8, 2026
Where to listen?
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Episodes
Crypto as Collateral (Episode 289) 30.10.2025 26:41
How will that work? Early decision turmoil at Tulane, how helpful are banks really being to furloughed workers, and the premium Citi card that is anything but… plus social security COLA is officially 2.8% but your Medicare premium might eat up a good chunk of it.
Financial Aid for All (Episode 288) 21.10.2025 28:53
As long as you make under $1 million. Plus tax bracket changes, the popularity of target date funds in 401(k)s, harvesting reward card bonuses, and the right to salary info for your peers. Plus plus what's your number?
Coffee Prices Surge 22%! (Episode 287) 16.10.2025 30:12
Baristas are dealing with unhappy people, a weak jobs report likely to bring lower Fed rates, and more women than ever are the big breadwinners. Plus some furloughed workers getting recalled, while waterfront property sales are on hold due to the government shutdown. Plus plus AI gone wrong and student loan issues for people in their 50's.
International Pod Day (Episode 286) 30.09.2025 30:27
Government shutdown? Concierge medicine, let AI take the CFA for you, corporate bond demand is running hot and high wage earners lose a tax break. Plus Ford targets subprime buyers and the SEC drops cases after Trump pardons.
Cash is King? (Episode 285) 24.09.2025 28:03
New Visa Fees, Fed rate cut and the mortgage impact and added mortgage info. Plus unemployment among young men worse than women. Plus plus the retirement withdrawal rate is on the rise.
Play-Doh in Congress (Episode 284) 19.09.2025 27:21
The Fed is on the clock, social security is increasing in 2026, corporate reporting guidelines could be relaxed and it's a tough time to be young and looking for work. Plus some members of Congress trade WAY too much.
Taxing the Stupid (Episode 283) 10.09.2025 25:53
Apparently, your hosts can be included there. Big lottery weekend, upcoming rate cuts, a weak labor market and the impact of tariffs on the post office. Plus private equity has a marketing problem.
Hooters on the Comeback Trail (Episode 282) 03.09.2025 31:47
Impact of Tariffs, the legality of which are now under scrutiny, the impact of alienation of other countries, the latest on the Fed and be sure to choose your major wisely. Computer Science is not the guarantee it once was but AI – oh my!
9 Dogs and 9 Brews in 9 Innings (Episode 281) 26.08.2025 29:00
Good luck with that! Plus AOL dial-up service comes to a close, Publisher's Clearing House leaves sweepstakes winners in the lurch, Taylor Swift inspired taxes, ICE recruitment and a Fed governor called to resign.
IRS Commissioner Out…Again (Episode 280) 14.08.2025 28:25
Averaging one per month. Head of BLS Out. Goldman's leading economist – suggested out. Plus Nvidia to share revenue with the government, inflation info, more concerns with Buy Now Pay Later and a debit card snafu. Plus plus Perplexity offers $34.5 billion for Google Chrome.
401(k)s and 529s and Maybe Some Other Numbers (Episode 279) 30.07.2025 28:55
Nobody beats Scottie Scheffler, even as an investment. People tapping into 401(k)s early and plans adding private equity. Why the 529 scorches that universal life plan to pay for college – OMG! Plus crypto mania running amok and younger woman catching up to men and narrowing the retirement savings gap.
The Legal Issue (Episode 278) 23.07.2025 29:05
Rental car returns, CA pension lawsuit, a crypto scam (yes, another one) and gambling losses. Plus hidden homeowners' costs don't seem that hidden, YouTube reigns over our TVs and the birthday freebie man.
The Sports Edition (Not Really) (Episode 277) 15.07.2025 28:56
Private Equity in Youth Sports, Canada's impact on the Buffalo Bills, issues with Tesla, and when to take RMDs. Plus a competitor to FICO may help with that house purchase, even though new buyers are disappearing. Plus plus fallout from a nursing home bankruptcy and a lawsuit over beneficiary designations.
BBB Details (Episode 276) 09.07.2025 33:57
Lots of permanent items, at least temporarily. Mortgage interest, car loan interest, SALT deductions, 529 usage, employer contributions and more. Plus a brief chat on the ever moving target dates for tariffs and trade wars.
Musk vs Trump (Episode 275) 02.07.2025 29:21
Musk threatens Congress if they vote for the current bill. Trump threatens Musk with deportation. Musk suggests establishing another political party. Plus factory workers vs AI, crypto as collateral for house buying, and Bobby Bonilla Day. Plus plus an interesting ride in the markets last quarter.
The Senate Takes a Turn (Episode 274) 18.06.2025 24:37
Proposed changes to the Big Beautiful Bill, Yale decides private equity isn't all they thought, and Syracuse offering big time sweeteners to prospective students.
Tacos, Tacos, Tacos Here… (Episode 273) 11.06.2025 31:00
The trade of the year so far. Bromance ends bitterly, savings are close to target, and loan limits could cause a shortage of doctors. Plus the rise of Buy Now/Pay Later and the 401(k) hierarchy trap.
The Boy Who Cried Tariff (Episode 272) 27.05.2025 28:20
Threats against the EU and Apple, the tax bill passes the house and heads to the Senate and it is time to do some estate planning. But be careful about the TOD on your house.
Sesame Street Streaming (Episode 271) 20.05.2025 29:24
Say that 3 times fast… Bert and Ernie are moving to Netflix. Moody's downgraded US debt from the highest levels, Wal-Mart tariff fallout, investigations at United Healthcare and Empower adding private investment. Plus your crypto key or a finger, the stealthy wealthy and 7 year car loans.
Big Beautiful Tax Bill (Episode 270) 15.05.2025 29:31
It will change and it has a lot of holes but other than that… Plus $10K to nap. Zzzzz…
Buffett Stepping Down (Episode 269) 07.05.2025 31:00
Man, Myth, Legend! College loans galore, earlier claims on social security and Microsoft takes a stand.
Museum of American Finance (Episode 268) 22.04.2025 27:55
Yes, that somehow made the cut. Plus Trump vs Harvard, Trump vs J Powell, Trump vs the IRS, which now has its 5 th head in 3 months. Plus plus YTD performance and possible relief for scam victims.
Tariffs and Markets (Episode 267) 09.04.2025 25:27
And Bears and Bulls, oh my.
Diamond Theft 101 (Episode 266) 02.04.2025 30:45
Step 1: swallow the diamond earrings. Step 2: MENSA is off the table. Plus the US Treasury stopping paper checks, quarterly performance, an IPO and two bankruptcies. Plus plus where to get emergency cash.
He Said She Said Hits the Charts (Episode 265) 19.03.2025 28:03
Or does it. The markets are in correction territory, car prices could jump $4K, Harvard tuition waivers and a government spending limit. Plus a mortgage blacklist, hot coffee payout and landlords playing hardball.
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