HeyJaredPersonal Finance for PhDs
As a PhD (in training), you face unique money challenges that stem from your low stipend/salary during your years of graduate school and postdoc training. Listen here for the hard-won financial wisdom of your fellow graduate students, postdocs, and PhDs with Real Jobs.
- Indexed episodes, last 90 days
- 6
- Latest publication
- Sep 28, 2026
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- Checking…
- Earliest in this view
- Jul 13, 2026
Latest episodes
How You and Your Higher-Earning Partner Manage Your Money Affects Relationship Satisfaction (opens the original)
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In this episode, Emily interviews Dr. Emily Garbinsky, an associate professor of marketing at Cornell who studies how couples behave with their money. Emily first reviews the common models for structuring money within couples and the surprising effect the choice has on relationship satisfaction. Emily and Emily then discuss income disparities, such as those between a PhD trainee and a higher-earning partner, and how power dynamics can affect how couples choose to split expenses. Finally, Emily s
This PhD Candidate-Parent Draws Financial Support from Her State, Her Union, and More (opens the original)
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In this episode, Emily interviews Madeline Hebert, a 5th-year PhD candidate at the University of Connecticut and married mother of a toddler and newborn. Madeline shares how her money mindset has changed over the last several years, from poring over every last expense in her budget to investing in frugal strategies and increasing her income through fellowships and paid projects. She also details the systems from which she has drawn financial support, chiefly through state childcare benefits and
This Graduate Student Keeps a Zero-Based Budget in a High Cost-of-Living Area (opens the original)
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In this episode, Emily interviews Quinn Nguyen, a 4th-year PhD student in chemistry at UC Irvine. Quinn has been highly intentional with her finances during graduate school. She maintains a zero-based budget, uses targeted savings accounts for her cat and annual trips to Vietnam, keeps emergency savings, and pays herself first into a Roth IRA. She also lives in subsidized graduate student housing and drives an electric bike in addition to a car. Quinn and Emily discuss the advantages of these pr
The Best Financial Advice for First-Year Funded Graduate Students (opens the original)
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In this episode, Emily shares the microinterviews she recorded at two conferences this year and solicited from subscribers to her mailing list. The prompt she gave to everyone was "What is your best financial advice for a funded graduate student matriculating in fall 2026?" Emily was curious whether the advice would be timeless or unique to 2026, and you can listen for how the respondents interpreted it. You'll hear first the responses from the conference attendees at the Graduate Career Consort
Even More Reasons Not to Fund Your PhD with Federal Student Loans (opens the original)
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In this episode, Emily interviews Janna McKay, a Certified Student Loan Professional (CSLP) who works as a consultant for Student Loan Planner. They discuss the changes to the federal student loan program brought about by the One Big Beautiful Bill Act of 2025 that were implemented on July 1, 2026. For both continuing and new PhD students, Janna shares the federal student loan borrowing limits in play and the available repayment plans, emphasizing caution for graduate students who hold significa
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