So Money with Farnoosh Torabi

ADHD and money. It’s a combination that’s often misunderstood—and rarely addressed with the nuance and compassion it deserves. For those living with ADHD, traditional financial advice like “just follow a budget” or “build good habits” can feel like a mismatch, leaving many feeling overwhelmed, frustrated, or even ashamed. Joining us today is Nicole Stanley [https://www.instagram.com/arise.financial.coaching/?hl=en], founder of Arise Financial Coaching and a money coach who was diagnosed with ADHD as an adult. That diagnosis reshaped her understanding of not only herself, but how she managed her money—and how she now helps others do the same. In this deeply personal and practical conversation, Nicole shares how her ADHD shaped her early money behaviors, why typical budgeting tools never worked for her, and how she built systems rooted in self-compassion, automation, and yes—dopamine. Whether you’ve been diagnosed with ADHD, suspect it, or simply feel like the standard personal finance advice doesn’t “stick,” this episode offers a roadmap to creating a financial life that feels not just doable—but motivating and empowering.

Today’s guest is Barry Ritholtz, co-founder and chief investment officer of Ritholtz Wealth Management, [https://www.ritholtzwealth.com/team/barry-ritholtz] host of the long-running Masters in Business podcast, and the author of the classic Bailout Nation. His new book, How Not to Invest: The Ideas, Numbers, and Behaviors That Destroy Wealth, [https://www.hownottoinvestbook.com/] is a sharp, timely guide to what really derails investors — and how to avoid those traps.

On this week’s Ask Farnoosh, we tackle a fresh round of your money questions, including: * Is whole life insurance ever worth it? * What are the smartest (and most affordable) ways to invest in your health? * How to job-hunt effectively with a PhD in hand and limited prospects. But first, Farnoosh recaps top stories in money news, from Trump’s push to include crypto in 401(k)s, to the surprising rise in early Social Security claims, the falling dollar, and a rare bright spot: more Americans are finally hitting their retirement savings goals. Join the So Money Members Club. [http://www.somoneymembers.com] Download Farnoosh’s free investing blueprint. [http://www.farnoosh.tv/blueprint] Hang out with Farnoosh on Instagram [http://www.instagram.com/farnooshtorabi].

Our guest needs little introduction if you’ve spent any time in the world of online entrepreneurship. Pat Flynn [https://patflynn.com/] is one of the most respected thought leaders in digital business and passive income. He’s the creator of Smart Passive Income, host of multiple top-ranked podcasts, a sought-after speaker, and the author of several bestselling books including Will It Fly? and Superfans. Now, Pat is back with a timely and much-needed new book: Lean Learning: How to Achieve More by Learning Less [https://www.amazon.com/Lean-Learning-Achieve-More-Less/dp/166802764X?adgrpid=185328955904&hvpone=&hvptwo=&hvadid=748008426930&hvpos=&hvnetw=g&hvrand=3552028497046042324&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9003498&hvtargid=dsa-1595363597442&hydadcr=&mcid=&hvocijid=3552028497046042324--&hvexpln=67&tag=googhydr-20&hvsb=Media_d&hvcampaign=dsadesk]. In an age when we’re drowning in information and pulled in a dozen directions by the algorithm, Lean Learning is a practical framework for mastering new skills efficiently—without burning out or going broke in the process. In our conversation, Pat and I talk about: * The danger of “overlearning” and why too much information can backfire * The difference between "just-in-case" learning and "just-in-time" learning * His 1-1-1 method for launching a business with zero overwhelm * The “Inspiration Matrix” and how it helps prioritize your ideas * Leaning into AI as a tool for creativity—not a crutch * Why he teaches his kids executive function and communication over GPAs * The 20% Itch Rule—and how it led to multimillion-dollar projects like the SwitchPod

What does it mean to be well-mannered with your money? Today, we’re getting a masterclass in modern etiquette from Daniel Post Senning, the great-great-grandson of Emily Post and co-president of the Emily Post Institute. Daniel joins us to talk about the sticky situations we all face—splitting the bill, tipping in the era of digital checkout screens, handling salary conversations with friends, and navigating the financial asks that come with weddings, parties, and work culture. With AI reshaping our communication, remote work blurring social lines, and generational traditions clashing with modern norms, it’s never been harder—or more important—to be mindful of how we show up for each other. For more information, check out The Emily Post Institute [https://www.instagram.com/emilypostinstitute/?hl=en], the podcast Awesome Etiquette [https://podcasts.apple.com/us/podcast/awesome-etiquette/id1191011680], and the book Emily Post’s Business Etiquette [https://www.penguinrandomhouse.com/books/761852/emily-posts-business-etiquette-by-lizzie-post-and-daniel-post-senning/].