PODCAST · business
It Doesn't Make Cents
by Sarah Li-Cain and Miranda Marquit
Are you REALLY doing money wrong? Good news: you aren’t doomed to a lifetime of financial failure because you aren’t saving to buy a house, buy a TV with a credit card, or have student loan debt. Get away from all the “supposed-tos” and stop beating yourself up over perceived mistakes. Sarah Li-Cain, AFC® and Miranda Marquit, MBA, are ready to debunk prescriptive money rules and inject a little nuance into your financial life. This season, we’re talking about the common misconception that debt is ALWAYS bad. We’ll dive into ALL THE THINGS. You don’t have to pay that mortgage off early. Go ahead and finance that car. We’ll also tackle the controversial aspects of debt. How much social debt are you carrying around? Are you really immoral if you have your student loan debt forgiven? We promise corny jokes alongside a whole lotta facts. We might even rant a little. Plus, we’ll show you how to use what you’ve learned to get your money to work best for YOU—no matter what some finance bro
Episodes
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What would you do differently with your money if you weren’t constrained by “supposed tos?”
We’ve talked a lot about what we’re “supposed” to do to be real adults and be considered successful on the right path. We've tackled everything from college to marriage to homeownership to having kids. Topics covered in this wrap-up episode * What makes an adult? * Do you really want to follow…
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Are you stupid if you live in a high-cost area?
Geo-arbitrage is the practice of moving from an area with a high cost of living to a place with a lower cost of living. It’s one of the bits of advice some FIRE enthusiasts suggest for those looking to reach financial freedom faster. But does using geo-arbitrage always make sense? Topics covered…
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Should you bust your butt to maximize your earning potential?
We’ve talked a lot about hustle culture and the grindset bros and girl bosses who drive the narrative that time is money and you must be productive all day, every day. But is being a workaholic really the way to make all the money? In this episode, we discuss how you don’t always have to be...
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There's no ladder to climb
A friend recently walked off a job that pays fairly well for this area because the work environment was toxic and he wasn’t getting the time and flexibility he needed to be with his son. In fact, an MIT Sloan Management Review survey from 2022 pegged a toxic work environment as the number one...
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It’s ok to keep your 9-to-5
We hear it all the time from hustle bros and entrepreneurial gurus: the only way to live your best life is to quit the 9-to-5 ASAP and build your own business empire. Otherwise, you’ll die sad and alone and probably poor as well. It’s easy to disparage the “traditional” job. We talk about…
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Having children? In THIS economy?
There’s been much hand-wringing over birthrates in recent years. And, depending on where you grew up, you might even be told you’re selfish for not wanting to have children. Or mutliple chilren. In this episode, we’re going to look at the financial realities of having children and explore our...
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We’re reframing the rent vs. buy debate
It Doesn't Make Cents is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. We’re often told that owning a home is the ultimate in adulting and achieving the American Dream. You hear a lot about “throwing money away” as a renter....
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Do you NEED to get married?
Marriage is considered an essential part of life. Money is part of that. Recently, society has lamented the cost of being single. But sometimes the costs aren’t financial. And there’s a move—especially among those who identify as women—to eschew marriage. * The marriage age has risen over time,...
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Is college really a waste of money?
As Gen Xers and millennials, we’re used to hearing that college is the way to success in jobs and life. But is a “traditional” four-year degree the way forward? We tackle the idea of college and whether it makes sense for you. Topics covered in this episode on higher education * Cost of college…
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Miranda and Sarah Rant About Some Money Stuff (With the Help of Some Friends)
The whole point of It Doesn’t Make Cents is to look at different ways to do money. There are so many different strategies you can use to manage your finances. So we asked some friends what they do with their money—and you might be surprised at how it’s a little different. Consider supporting us…
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Using Debt to Help Your Finances (season one wrap-up)
This season, we’ve looked at debt from a different perspective. So often, we believe that debt = bad. Even worse, our society often views it as a moral failing. The reality is that debt is sometimes necessary—and it can even be a tool to help you better your finances. Listen to our season wrap up...
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How Much Social Debt Do You Have?
We all have social debts that we’re supposed to pay. Whether it’s spending money to go to your BFF’s bachelorette or buying Girl Scout cookies from your co-worker's daughter, we’re all expected to conform to small social niceties to get along in society. Sign that sympathy card for the PTA...
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Using debt to "start over"
This episode is about how sometimes you really need debt to move forward in your life. And even if you don’t need it, sometimes it can be a big help and well worth it to use debt as a tool to level up. Where we got examples of costs: * The average cost to move across the country when you have two...
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Student loans: the elephant in the room
In the last 20 years, tuition costs have soared in the U.S. In-state tuition at public universities has increased about 158 percent during that time. Long gone are the days that our boomer parents reminisce about, you know, when you could work for a summer and save up enough money to cover…
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Personal Loans as Part of Your Budget?
This episode dives into personal loans and how they can be helpful for managing cash flow and how sometimes debt is a lifeline for some folks who need a leg up. We cited information about debt, specifically student loans. Here’s where we got it: * Lending Tree personal loan statistics * Credit…
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Let's Finance a New Car!
One of the biggest rules in personal finance is to buy a used car with cash. You hear stories about how your car loses value as soon as you drive it off the lot. That used car has already seen its biggest depreciation and borrowing just makes it all worse. But what if it makes sense to buy a new...
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Invest or Pay Off Debt?
There's a whole "order" you're supposed to be following when working toward financial freedom. In fact, some gurus -cough- Dave Ramsey -cough- will tell you that you need to pay off ALL your non-home debt before you start investing. But should you really tackle your lower-rate student loans or...
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Payoff mortgage early = bad?
Paying off debt early is considered a “guaranteed return.” But what if you can get better returns elsewhere? Could you use the “extra” you’d put toward paying down your mortgage for other financial goals, like retirement, investing, saving for college, going on vacation, or reaching some other...
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It Doesn't Make Cents Coming January 16!
Introducing It Doesn’t Make Cents, a podcast by Sarah Li Cain, AFC© and Miranda Marquit, MBA, launching January 16th. Are you REALLY doing money wrong? Good news: you aren’t doomed to a lifetime of financial failure because you aren’t saving to buy a house, buy a TV with a credit card, or have...
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ABOUT THIS SHOW
Are you REALLY doing money wrong? Good news: you aren’t doomed to a lifetime of financial failure because you aren’t saving to buy a house, buy a TV with a credit card, or have student loan debt. Get away from all the “supposed-tos” and stop beating yourself up over perceived mistakes. Sarah Li-Cain, AFC® and Miranda Marquit, MBA, are ready to debunk prescriptive money rules and inject a little nuance into your financial life. This season, we’re talking about the common misconception that debt is ALWAYS bad. We’ll dive into ALL THE THINGS. You don’t have to pay that mortgage off early. Go ahead and finance that car. We’ll also tackle the controversial aspects of debt. How much social debt are you carrying around? Are you really immoral if you have your student loan debt forgiven? We promise corny jokes alongside a whole lotta facts. We might even rant a little. Plus, we’ll show you how to use what you’ve learned to get your money to work best for YOU—no matter what some finance bro
HOSTED BY
Sarah Li-Cain and Miranda Marquit
CATEGORIES
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Frequently Asked Questions
How many episodes does It Doesn't Make Cents have?
It Doesn't Make Cents currently has 19 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is It Doesn't Make Cents about?
Are you REALLY doing money wrong? Good news: you aren’t doomed to a lifetime of financial failure because you aren’t saving to buy a house, buy a TV with a credit card, or have student loan debt. Get away from all the “supposed-tos” and stop beating yourself up over perceived mistakes. Sarah...
How often does It Doesn't Make Cents release new episodes?
It Doesn't Make Cents has 19 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to It Doesn't Make Cents?
You can listen to It Doesn't Make Cents on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts It Doesn't Make Cents?
It Doesn't Make Cents is created and hosted by Sarah Li-Cain and Miranda Marquit.
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