2010: Ask Farnoosh: What Annoys Me Most About Money? (Plus: Disability Insurance and Long-Term Care 101)

<p>On this week's Ask Farnoosh Friday, we're tackling five thoughtful listener questions that touch on everything from career transitions and combining finances as a couple to insurance, retirement accounts, and planning for the future.</p><br><p>Before we dive into the mailbag, I also share a few headlines that caught my attention this week—including a fascinating new trend in prenups designed to protect stay-at-home parents, California's latest move to make personal finance a graduation requirement, and a New York Times article about the money frustrations that seem uniquely American (plus a few of my own!). And yes...<a href="youtube.com/@SoMoneywithFarnoosh"; rel="noopener noreferrer" target="_blank">So Money is officially on YouTube.</a></p><p><br></p><h3>In this episode:</h3><ul><li>Why you shouldn't feel guilty quietly job hunting before you have an offer</li><li>The best way to leave an employer professionally while protecting your own career</li><li>How couples can combine finances without sacrificing independence</li><li>Why "fair" doesn't always mean splitting expenses 50/50</li><li>My favorite three-account system for couples</li><li>The insurance policies every young professional should prioritize—and which ones can probably wait</li><li>Why your ability to earn an income may be your greatest financial asset</li><li>When to start thinking seriously about long-term care insurance</li><li>How to prepare for future caregiving conversations with your parents</li><li>What to do with an old, empty 401(k) account after your employer changes retirement providers</li><li>Why cybersecurity deserves a place in every annual financial checkup</li></ul><p><br></p><h3>Also in the news:</h3><ul><li><strong>A new prenup trend:</strong> More couples are adding "leave the workforce" clauses to protect spouses who pause their careers to raise children or provide care, recognizing the real financial cost of unpaid caregiving.</li><li><strong>Money annoyances in America:</strong> Inspired by a New York Times article from Ron Lieber and Tara Siegel Bernard, I share my own biggest financial pet peeves—from managing kids' allowance to credit card surcharges and New Jersey property taxes.</li><li><strong>Financial literacy gains momentum:</strong> California becomes the 26th state to require a standalone personal finance course for high school graduation, signaling a major shift in how we prepare young people for adulthood.</li></ul><p><br></p><h3>Resources & Mentions</h3><ul><li>So Money is now on <strong>YouTube</strong></li><li>Columbia Journalism Review's feature on <a href="cjr.org/local_news/hyperlocal-listening-montcl…; rel="noopener noreferrer" target="_blank"><strong>The Montclair Pod</strong></a></li><li><a href="wsj.com/personal-finance/prenup-stay-at-home-p…; rel="noopener noreferrer" target="_blank">Wall Street Journal </a>reporting on caregiving clauses in prenups</li><li>New York Times article: <em>"</em><a href="nytimes.com/2026/07/04/your-money/american-tax…; rel="noopener noreferrer" target="_blank"><em>6 Things That Drive Us Crazy About Money in America</em></a><em>"</em> by Ron Lieber and Tara Siegel Bernard</li></ul><p><br></p><h3>Have a question for the show?</h3><p>Send your question for a future <strong>Ask Farnoosh Friday</strong>! If it's on your mind, chances are thousands of other listeners are wondering the same thing. You can email me, leave a voicemail, or connect with me on <a href="instagram.com/farnooshtorabi"; rel="noopener noreferrer" target="_blank">Instagram</a>.</p><br><p>If you enjoyed this episode, please subscribe, leave a review, and share it with a friend. It helps more people discover the show—and build richer, more confident financial lives.</p><p><strong>How's midlife going? <a href="jotform.com/build/262556781257063"; rel="noopener noreferrer" target="_blank">Fill out Farnoosh's survey</a> and help shape the podcast in 2027.</strong></p>

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