Diversifying

By CNN

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Description

Does it feel like the financial system is stacked against you? For many of us, it is. Especially if you’re Black or Brown, a woman, or single. In Diversifying, we explore why the traditional rules of money management no longer apply to new generations. Hosted by Delyanne Barros, better known as Delyanne The Money Coach, Diversifying demystifies and humanizes money by examining the culture we make it in and how to make it work for you.


Episode Date
Thank you for listening
127

When the Diversifying team set out to create this show, our mission was to create a safe space where personal finance could be discussed from the lens of those who are usually ignored: women, people of color, the LGBTQ community, and lower-income individuals. Hearing from all of you through the voicemails, reviews, and messages on social media has confirmed that we’ve achieved that mission and that this type of show is very much needed in the finance space. Thank you for tuning in and listening every week. We couldn’t have made this show without you.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Aug 30, 2022
When the Price of Childcare is Just Too High
1799

In most places in the US, sending a kid to daycare costs about the same as sending a kid to state college. Have more than one kid, and it’s easy for a daycare bill to be bigger than your paycheck – which leaves some women wondering if it would be better to drop out of the workforce entirely. Bloomberg Businessweek writer Claire Suddath joins Delyanne Barros for a conversation about the toll high childcare prices take on women’s careers and financial lives, and the broken childcare system in America underlying it all. 

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Aug 29, 2022
The Real Cost of Baby-Making
1668

Infertility treatments can cost upwards of $100,000. This is a particular burden for LGBTQ+ couples, who need access to procedures like IUI, IVF, or surrogacy if they want to have biological children. This week, E Bradshaw and Jaimie Kelton, co-hosts of the podcast If These Ovaries Could Talk, tell us about their respective baby making journeys, including how they figured out their finances to make it work. Delyanne Barros also sits down with Dr. Mark Leondires from Gay Parents to Be to break down possible costs and some surprising resources. 

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Aug 22, 2022
All the Single Ladies… Pay More
1528

When you're single, expenses can add up fast. There's no one to split rent or utilities. You can't slide onto someone else's health insurance. And you might even end up paying more in taxes! This week, Delyanne Barros and Shani Silver break down the financial hurdles single people face and discuss why we should rethink our attitudes toward single life.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Aug 15, 2022
How to Curb Money Avoidance
1043

This week we’re sharing an episode of Life Kit: Money from NPR. If you wince every time you open up your credit card app or feel stressed just thinking about personal finances, here's how to curb money avoidance and train your brain to face your money woes head-on.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Aug 08, 2022
Manifesting Wealth
1388

This week, we’re sharing an episode of Brown Ambition, a podcast hosted by Mandi Woodruff (who you may remember from our episode “Negotiating Your Way to Success”) and Tiffany "The Budgetnista" Aliche. In this episode, Mandi and Tiffany answer your hard-hitting questions like how to make more money without picking up a side hustle. Plus, is it smarter to pay off credit cards or your student loan debt to start building wealth?

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Aug 01, 2022
Don't Fall For These Money Scams
1629

Ever received a text from a bank you don’t have an account with? Or received a DM from a stranger asking for money? It’s probably a scam, but how do you really know? This week, Delyanne Barros and Vivian Tu, CEO and founder of Your Rich BFF Media, call out some common money traps and how to protect yourself.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Jul 25, 2022
How Abortion Bans Affect Your Money
1573

The top reason women give for having an abortion? Not being able to afford a child. In this episode, Delyanne Barros speaks with Black Women’s Health Imperative’s Linda Goler Blount about the economic impacts of overturning Roe v. Wade, what it means for future generations — specifically for people of color — and what you can do to channel your frustration into action.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Jul 18, 2022
Rethinking Credit Cards
1690

Do you have credit cards, but worry you rely on them a little too much? Does managing the debt seem daunting? Don’t worry, we got you! This episode is all about the do’s and don'ts of credit cards. Delyanne Barros speaks with credit expert Sara Rathner, from NerdWallet, about how to transform debt into a good credit score. 

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Jul 11, 2022
How to Recession Proof Your Life
1409

Are we headed towards a recession? Are we already in one? These are scary questions, but recessions are an unavoidable part of the economy. And they don’t have to be the end of the world – especially if you’re prepared. This week, Delyanne Barros brings back friends of the show Julien and Kiersten Saunders of rich & REGULAR to help you recession proof your life now. 

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Jun 27, 2022
Righting Your Financial Wrongs
1662

From credit card debt to bad investments… We’ve all kicked ourselves over a money mistake. But most of them are fixable, so don’t panic! This week, Delyanne Barros and Washington Post columnist Michelle Singletary respond to listener voicemails about messing up, and talk about how to bounce back and learn from it.  

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Jun 20, 2022
Why Unions are Making a Comeback
1460

The Amazon Labor Union made history when it won its election at the JFK8 facility in Staten Island — but they aren’t the only ones organizing. Petitions to form unions were up nearly sixty percent between October 2021 and March 2022! What does it take to form a union, and what does this mean for the future of work in the United States? Delyanne Barros talks to Tristian Martinez, a lead organizer with the Amazon Labor Union, and Alejandro Ortiz, a former National Labor Relations Board attorney who also helped unionize his current workplace, the American Civil Liberties Union. 

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Jun 13, 2022
Your Money Questions Answered
1443

Where do you go with your burning money questions? The Money Coach, of course! From hustle culture to medical debt, Delyanne Barros answers listener questions in this week's episode.

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Jun 06, 2022
Don’t Bank on Debt Forgiveness
1488

Student loans are overwhelming so how do you deal with them? It’s easier to avoid those payment notifications and not think about it. We get it! Especially while President Biden has extended the pause on payments until August 31. But the best way to tackle your payments is to face them head on and come up with a plan now. In this episode, Delyanne Barros is joined by debt expert Nika Booth, known as @debtfreegonnabe, to talk about their money mistakes, the options for paying off your loans, and steps you can take to feel more in control of your debt today. Originally released on February 28, 2022. 

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

May 30, 2022
Bethenny Frankel on Why Business is Personal
1386

You might know Bethenny Frankel from “Real Housewives of New York City,” but have you heard the story behind her success as an author and entrepreneur? In this episode, Bethenny talks to Delyanne Barros about her new book, “Business Is Personal,” the mantras and money moves that have made her millions, and how her success can be a model for all entrepreneurial dreamers.

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

May 23, 2022
The Cost of Money Trauma
1925

The way your family handled their finances probably shaped how you think about money as an adult. And if those early childhood experiences were negative, they likely led to money trauma. So, why aren’t people having more conversations about this in the personal finance space? In this episode, Licensed Therapist Deniss Pleiner talks with Delyanne Barros about the severe anxiety and stress associated with money and how you can overcome it.

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

May 16, 2022
Making Crypto Less Cryptic
1886

Celebrities, Super Bowl ads, and social media are telling you you’re missing out if you aren’t buying crypto. But FOMO isn’t a good reason to make big financial choices! Delyanne Barros and fellow financial podcaster Paula Pant break down everything you actually need to know about crypto, from what it is and how it works to whether it has any value beyond the hype.  

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

May 09, 2022
How to Stop Working While You're Still Young
1390

FIRE is a big discussion topic in the personal finance world. It stands for “financial independence, retire early” and is a way of saving enough to stop working. But it can mean a lot of different things, and can be done a lot of different ways. This week, Delyanne Barros talks to two people about their FIRE journeys – and tells her own FIRE story! Guests: “Purple,” the anonymous author of the “A Purple Life” blog, and Rita-Soledad Fernandez Paulino, founder of “Wealth Para Todos.” 

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

May 02, 2022
The Myth of the Forever Home
1211

Housing costs in America are at an all-time high and a lot of people are wondering if the American Dream of home ownership is right for them. This week, Delyanne Barros digs into the pressure to become a homeowner; the costs and benefits of buying; and how one couple has nearly eliminated their housing costs by “house hacking”. This week’s guests: Yesenia Capalbo and Ali and Josh Lupo of The FI Couple.

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Apr 25, 2022
The Price is Not Right
1377

Americans have been living with soaring prices for months as inflation hits a 40-year high. This week, Delyanne Barros unpacks why prices are so high, what the government can do to help, and why people of color and the working class are being hit the hardest. She’s joined by CNN Business and Politics Correspondent Vanessa Yurkevich and Demond Drummer, Managing Director for Equitable Economy at Policy Link.

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Apr 18, 2022
Negotiating Your Way to Success
1321

The pandemic has made a lot of us realize our work is worth more than we’re getting paid. But while our attitudes may have changed, the best way to level up hasn’t: negotiating. It’s not as scary as it sounds! This week, Delyanne talks to Mandi Woodruff-Santos about knowing your value and how to ask for more – from signing bonuses to leadership opportunities. 

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Apr 11, 2022
Don’t Tip the IRS
1514

Understanding how your taxes work can help you get a bigger return, and, in the long run, it can help you build wealth! This week, Delyanne covers everything from tax brackets to tax breaks with Duke Alexander Moore, better known as Duke Loves Taxes. Plus, professor of tax law Dorothy Brown explains how some of the richest people in the country take tax exemptions to the next level, and how systemic racism shows up in who pays what.

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Apr 04, 2022
We Want Prenups
1028

No one goes into marriage hoping for divorce, but it happens all the time. This week, Delyanne talks to Dasha Kennedy, founder of Broke Black Girl, who got divorced at age 25 and sank into debt that took years to pay off. She talks to Delyanne about what you can do to protect yourself before getting married and during the divorce process.

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Mar 28, 2022
Swipe Right on the Money Talk
1486

Talking about money with your partner can make or break you as a couple! This week, Delyanne talks to Kiersten and Julien Saunders, founders of rich & REGULAR, about the money disagreement that (briefly) split them up and what you can do to have healthy conversations about finances with your significant other.

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Mar 21, 2022
Can Investing Save the World?
1095

In our last episode, we broke down the basics of investing. So now that you’re ready to invest your first dollar, where are you going to put it? What if you could put money in your pocket and stick to your values? This week we dive into the world of ethical investing with Kara Perez, founder of Bravely Go.

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Mar 14, 2022
What Investing and Pizza Have In Common
1385

When you imagine the stock market, you probably picture the chaotic frenzy of Wall Street. That's kinda scary! But what if we told you that investing isn't as intimidating as you think? And what if you're actually already doing it? This week Delyanne Barros brings you an investing starter kit. 

Guest this week is Melissa Jean-Baptiste, founder of Millennial in Debt.

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Mar 07, 2022
Tackling Your Student Debt: Part 2
1462

Student loans are overwhelming, so how do you deal with them? It’s easier to avoid those payment notifications and not think about it. We get it! But the best way to tackle your payments is to face them head on and come up with a plan.

In part two of our series on student loan debt, Delyanne is joined by debt expert Nika Booth, known as @debtfreegonnabe, where they chat about the options for paying off your loans, their money mistakes, and steps you can take to feel more in control of your debt.

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Feb 28, 2022
Student Loans, A Dumpster Fire: Part 1
1428

Like a lot of you out there, Diversifying host Delyanne Barros used student loans to pull herself out of poverty – but she had to pay back a staggering amount: $150,000. Lately, she and her sister have been thinking about whether or not their loans were worth it — and how the American financial system asks us to take on debt to get ahead.

Guests include Nathalia Copeland, who, in addition to being Delyanne’s little sister, is also a business coach and founder of I Speak Social and Washington Post Higher Education Reporter Danielle Douglas-Gabriel.  

If you enjoy Diversifying, CNN would love to hear from you. Please visit https://cnn.com/financepod to take a brief survey.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Feb 28, 2022
Introducing: Diversifying
119

Does it ever feel like the financial system is stacked against you? For many of us, it is. Especially if you’re Black or Brown, a woman, or single. In Diversifying, we explore why the traditional rules of money management no longer apply to new generations. Hosted by Delyanne Barros, better known as Delyanne The Money Coach, Diversifying demystifies and humanizes money by examining the culture we make it in and how to make it work for you.

To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Feb 16, 2022