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and conditions apply. Another

1:15

week of back and forth

1:17

on tariffs and an indirect

1:19

back and forth on just

1:21

how independent an independent agency

1:23

can be under this administration. From

1:26

American Public Media, this

1:28

is Marketplace. In

1:37

Washington D .C., I'm Kimberly Adams in

1:39

for Kai Rizdal. It's Friday, the 18th

1:41

of April. It's good to have

1:44

you along, everybody. What a week

1:46

it was. Again, I feel like we're

1:48

saying that every week. But anyway, here to

1:50

talk about all of it, break down

1:52

everything that went down. Courtney Brown from Axios

1:54

and David Gura of Bloomberg. Hey, you

1:56

two. Hey, Kimberly. Hey, Kimberly. I

1:59

want to start with you, David, and what was

2:01

kind of the biggest news for us

2:03

in the business and economics field this

2:05

week, which was President Trump really going

2:07

in on Fed Chair Jerome Powell, saying

2:09

in the Oval Office, if I want

2:11

him out, he'll be out real fast,

2:13

believe me. Jerome Powell, obviously saying again

2:16

and again that he has no intention

2:18

of leaving. How serious is

2:20

this threat to the Fed's independence? Think

2:22

that it got more serious this week So

2:24

those comments in the Oval Office came after a

2:26

post on truth social from the president which

2:28

he floated the idea of terminating The Fed share

2:30

something that hasn't happened before and this is

2:32

kind of shaky legal ground the Fed share Jay

2:34

Powell has been really adamant that the president

2:37

doesn't have the right to remove him as Fed

2:39

share and I think it's no secret from

2:41

that quote you just read and sort of what

2:43

we've heard over these last few months that

2:45

the president really doesn't like Jay Powell or the

2:47

way he's approaching this job, even though we should point

2:49

out he did pick Jay Powell to be the

2:51

Fed chair for a second term. It's

2:54

not just the president who's kind of

2:56

talking him down publicly. Kevin Hassett, his chief

2:58

economic advisor, said today that the president

3:00

and his team are going to continue to

3:02

study whether the president has the ability to

3:04

remove him, kind of cast into question

3:06

the way that the Fed managed the economy

3:08

when President Biden was in office. So

3:11

all of this is kind of sowing doubt

3:13

about the institution itself, eroding that independence the

3:15

more it comes up. And just to step

3:17

back a little bit more here, I think

3:19

it's part of this larger conversation about the

3:21

heads of these independent organizations, how

3:23

safe they are. We've seen challenges in

3:25

the Supreme Court. We've seen FTC commissioners removed

3:27

by the president. They're fighting to get

3:29

those jobs back. You know, it

3:31

got more serious today, and I think it really

3:33

highlights the fact that we have a really direct

3:35

challenge by this administration against kind of long -standing

3:37

independence, not just in the Fed, but other institutions

3:39

in the federal government. Courtney,

3:42

can you talk about why so many

3:44

in economics and politics are worried

3:46

about the idea that the Fed might

3:48

not be independent, that President Trump

3:50

would make a move like this? What

3:52

kind of fallout are they concerned

3:54

about? I think

3:56

the question that everyone has

3:58

on their mind right now in

4:00

financial markets for president trump

4:02

is can you not do this

4:04

right now um this is

4:07

always you know something that wall

4:09

street is worried about um

4:11

i think if you think of

4:13

the global economy as a

4:15

giant jenga tower the fed independence

4:17

block is the one you

4:19

don't want to take out because

4:21

it'll all come you know

4:23

crumbling down um I think that

4:25

this idea that the president

4:28

can terminate or fire or remove

4:30

the Fed chairman, that

4:32

is a scary idea because

4:34

it makes the possibility

4:36

real that the Fed is

4:38

not making important decisions

4:40

about the economy because he

4:42

or she believe that's

4:45

the best decision, but because

4:47

the president told them

4:49

to. And here's why that's

4:51

particularly bad right now. We are on

4:53

the cusp of what might be, I

4:56

was going to say inflation shock,

4:58

but I think it's more of

5:00

a reinflation shock, if you will.

5:02

And it is so important that

5:04

the nation believes that the Fed

5:06

is independent and the nation believes

5:08

that the Fed is going to

5:10

work to crush inflation. And

5:12

this is good news for President Trump.

5:15

If they believe that, There

5:17

is a chance that this

5:19

tariff -related inflation problem that

5:21

everyone is expecting might not

5:23

be that bad. You

5:26

know, it's interesting. This week we

5:28

saw the European Central Bank cut

5:30

interest rates. Canada held steady. And

5:32

David, as you know, the president

5:35

really wants Powell to cut interest rates.

5:37

Why does the economic outlook look

5:39

so different for, say, what Europe is

5:41

making its decisions based on versus

5:43

what we're doing here? So

5:45

you look at you look at Europe and it's

5:48

been battling kind of weaker growth for many

5:50

months now And that's kind of been what's driving

5:52

its central banks the ECB has cut rates.

5:54

I think seven times this year It's now at

5:56

about 2 .25 percent so much lower interest rate

5:58

that that's been their kind overarching Ethos and

6:00

you know, that's because of their trade relationships their

6:02

trade picture It's because of the war in

6:05

Ukraine. It's just been a different story in Europe

6:07

and I think What we saw

6:09

this week, yes, was another cut, but also this

6:11

kind of broader awareness articulated by the head

6:13

of that bank, by Christine Lagarde, that what the

6:15

US is doing, this trade war that the

6:17

US is waging, stands to really upset Europe's outlook

6:19

for growth even more, the world's outlook even

6:21

more. And there was really kind of a stern

6:23

warning from her just about the uncertainty that

6:25

lies ahead. And I think if there's a theme

6:27

to this week, it's just the fact that

6:30

all of these institutions are really grappling with that

6:32

uncertainty that's been kind of infused into the

6:34

global economy by the US over the last few

6:36

weeks. Courtney, you

6:38

wrote about this week for

6:40

Axios about just how much

6:42

this trade war is shaking

6:44

the global order. Have we gone

6:46

past a point of no return here? That

6:49

seems to be the

6:51

message from these institutions that

6:53

are getting ready to

6:55

descend on Washington if they

6:57

haven't arrived already for

7:00

the IMF World Bank spring

7:02

meetings and thinking about

7:04

the World Trade Organization or

7:06

the International Monetary Fund,

7:08

the IMF. There was this

7:10

gloomy message from leaders

7:12

this week that I expect

7:14

will continue into next

7:17

week about what other countries

7:19

need to be doing

7:21

to prepare for a world

7:24

Kind of without the US

7:26

a world where the US

7:28

is not The buyer of

7:30

last resort if you will

7:32

as it has been for

7:34

decades and decades and it's

7:36

awkward It's super awkward because

7:38

essentially what these leaders were

7:40

saying sounded very Trumpy They

7:42

were talking about how countries

7:44

need to not carry on

7:46

these trade imbalances because it

7:48

stokes trade conflict and countries

7:50

need to think about Where

7:52

else to look? You can't

7:54

be so reliant on the

7:56

US. And that is the

7:58

gripe that President Trump and

8:00

his advisors have with the

8:02

trading system. It's that all

8:04

of these other countries have

8:06

so long relied on the

8:08

US as a buyer to

8:10

kind of build economic growth.

8:12

And those times might be

8:14

behind us forever. That's scary,

8:16

but it might be the case. Well,

8:19

that is all the time we have

8:21

today. Courtney Brown from Axios and David Gora

8:24

from Bloomberg. Thank you both so much.

8:26

Thank you. Thank you. Wall

8:28

Street today was closed for the Good

8:30

Friday holiday, but the global economy keeps

8:33

chugging along. We'll have the details when

8:35

we do the numbers. Good

9:02

news and bad news in

9:04

the housing market. The good news.

9:06

Mortgage rates have dipped a

9:08

bit and sellers are finally selling.

9:10

which is helping with the

9:12

housing shortage. Housing inventory is 19

9:14

% higher than it was a

9:16

year ago, according to Zillow's

9:18

new housing market report. The

9:20

bad news though, buyers still

9:22

aren't buying. Marketplaces Kaylee

9:24

Wells explains why. A

9:27

lot of sellers hadn't been selling because

9:29

of what's known as the lock -in

9:31

effect. Homeowners have very low interest

9:33

rate. We have heard that they

9:35

did not want to give that up.

9:37

Lawrence Yoon with the National Association

9:39

of Realtors says the march of time

9:41

still brings retirements and divorces and

9:44

kids moving out and reasons to sell

9:46

anyway. Life -changing events means people have

9:48

to sell their home even if

9:50

they have to give up that low

9:52

interest rate. Listings are

9:54

up 9 % compared to last

9:56

year, but sales have barely

9:58

budged. Timothy Savage at NYU's

10:00

Shack Institute of Real Estate

10:02

says that's partly down to

10:04

tariff -induced economic uncertainty. tell

10:07

potential buyers have some

10:09

clarity about what's going on

10:11

in Washington. We'll sit on

10:13

the sidelines. Quite frankly, I would.

10:15

The other reason is simple. Potential

10:18

buyers still can't afford a new

10:20

house, says Lance Lambert, co -founder

10:22

of the Housing Market Outlet Resi

10:24

Club. We had this period during

10:26

the pandemic housing boom where home

10:28

prices went up 40 -50 % nationally.

10:30

He says, sure, mortgage rates have

10:32

dipped a bit, but when you

10:34

look at housing prices through the

10:36

lens of how much people are

10:38

earning. This is one of the

10:40

worst periods the past two years for

10:42

housing affordability in almost four decades. Lambert

10:44

says housing affordability is at

10:46

least no longer getting worse, but

10:49

getting it back to pre -pandemic normal

10:51

will take years. I'm

10:53

Kaylee Wells for Marketplace. Alongside

11:15

the cost of owning or renting

11:17

a home, the other big cost for

11:20

most Americans is food. And about

11:22

42 million people in the U .S.

11:24

now get SNAP benefits, what used to

11:26

be known as food stamps. In

11:29

the last few years, those

11:31

benefits have become an increasingly popular

11:33

target for thieves. It's

11:35

been such a big problem that

11:37

at the end of 2022, Congress

11:39

approved a big pot of money

11:41

to reimburse people for stolen benefits. but

11:44

that funding ran out at the

11:46

end of last year and hasn't been

11:48

reauthorized. Marketplace's Samantha Fields

11:50

reports. On the morning

11:52

of February 1st, Amelia Feliciano went grocery

11:54

shopping at BJ's. She remembers because

11:57

it was the day her SNAP benefits

11:59

arrived. I woke up, called

12:01

my benefit card, I'm excited, got the

12:03

kids ready to go. She loaded

12:05

her two and four year old into the car

12:07

and drove to the store, about 15 minutes from

12:09

her home in New Haven, Connecticut. Once

12:11

they got there, she double checked the

12:13

balance on her EBT card. It's all good.

12:15

She had about $1 ,000 and she started

12:17

shopping. When I came out

12:19

to check out, there is no money

12:21

in the card decline. There

12:23

was not even one

12:25

penny left. She didn't know

12:27

what to do. Standing there with her cart

12:30

full of groceries, her kids already eating chips

12:32

and cookies. I called

12:34

my mom. She cashed me the

12:36

last $23 that she had. so

12:38

I could pay for what my

12:40

kids were eating. I

12:42

apologized to everyone that was around

12:45

me, went back to the car, and

12:47

I just cried. This

12:50

kind of thing happens all the time.

12:52

In the last few years, hundreds

12:54

of millions of dollars were

12:56

stolen from the lowest income households.

12:59

Justin King is policy director at Propel,

13:01

a software company that has an app

13:04

that lets people manage government benefits. He

13:06

says Snap is easy to steal. EBT

13:08

cards only have the black magnetic

13:10

stripe on the back of them, and

13:13

they don't have the chip that

13:15

you find on your credit card and

13:17

your debit card. There's a reason

13:19

credit and debit cards pretty much all

13:21

have chips now. They're much more

13:23

secure. Jamie Topolsky, Senior Director

13:25

of Government Payment Products at Conduent,

13:27

says chips encrypt the data on

13:29

cards and generate a unique code

13:32

every time the card is used.

13:34

Magnetic stripes do not. Most likely

13:36

what's happening is that the thieves

13:38

are able to surreptitiously install what's

13:40

called a skimming device on a

13:42

point of sale terminal or an

13:44

ATM that copies the information off

13:46

of a magnetic stripe when someone

13:48

uses it. They're then able to

13:50

use that account information and pin

13:53

to make a fake copy of

13:55

the card. And he says

13:57

with snap benefits, They know the schedule

13:59

from experience of when funds get loaded,

14:01

and so as soon as those funds

14:03

hit, they will go shopping to deplete

14:05

those funds as quickly as possible. And

14:08

often buy things they can resell

14:10

for cash. That's likely how

14:12

Amelia Feliciano had her benefits stolen

14:14

so quickly. Edward Josephson,

14:16

an attorney with the Legal Aid Society in

14:18

New York, says credit and debit cards used

14:20

to be more vulnerable to this kind of

14:22

theft too. Ship technology

14:25

exists because If the

14:27

banks have to reimburse us for

14:29

stolen money, they want to

14:31

stop the stealing. Unlike banks,

14:33

the federal government does not currently reimburse

14:35

people who have their SNAP benefits

14:37

stolen. And there's no federal

14:39

requirement EBT cards be made more

14:41

secure either. A few states

14:43

are starting to transition to chip cards

14:45

and others are considering it. But obviously,

14:48

funding is an issue. They need the

14:50

funds to do so, to make the

14:52

transfers, to update the software, and to

14:54

mail the cards to every SNAP recipient.

14:57

Jessica Gonzalez Rojas, an assembly member in

14:59

New York, says that would likely cost

15:01

her state about $40 million. But...

15:04

If you switch to the

15:06

chip -enabled card, you could prevent

15:08

87 % of the skimming of

15:10

benefits. There are other things

15:12

states could be doing to reduce benefit

15:15

theft, says Justin King at Perpell. We

15:17

could be blocking transactions at

15:19

known fraudulent outlets. We

15:21

could be messaging people to say, do

15:23

you recognize this transaction? Do you approve

15:25

it? Or letting people lock their cards

15:28

when they're not using them. Amelia

15:30

Feliciano would love that option. Right now,

15:32

all she can do is keep changing the

15:34

pen on her card. When I tell

15:36

you I changed my pen so many times,

15:39

it came back to the next time for me to

15:41

go grocery shopping. I forgot my pen. But

15:43

she says she'd rather have to remember a

15:46

new pin than not have any money for food.

15:48

I'm Samantha Fields for Marketplace. Coming

16:16

up. The dream

16:18

scenario for us in our price

16:20

range doesn't exist here. Adjusting

16:23

the American dream. But first,

16:25

let's do the numbers. The

16:28

markets were closed today in observance

16:30

of Good Friday, but for the

16:32

week, the Dow Jones industrial average

16:35

fell two and two -thirds percent,

16:37

the Nasdaq dropped two and six -tenths

16:39

percent, and the S &P 500

16:41

lost one and six -tenths percent. The

16:43

administration is erecting another trade

16:45

barrier between the U .S.

16:47

and China, port fees on

16:49

Chinese flagged vessels, and even

16:51

higher fees on Chinese -built Chinese

16:53

flagged vessels. In Shanghai,

16:55

China's giant Costco shipping dipped just under

16:57

a tenth of a percent. Markets

17:00

were also closed in Europe today.

17:02

No bond trading today either. You're

17:04

listening to Marketplace. Drew

17:21

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at let'smakeaplan .org. This

19:16

is Marketplace. I'm Kimberly Adams. As

19:19

much as the trade war is influencing

19:21

what we see in the markets and what

19:23

shows up in our meals, so too

19:25

does climate change. Take, for

19:27

example, domestically harvested shrimp. Maine

19:29

shrimp are small, pink,

19:31

delicate, and some say delicious

19:33

enough to eat raw. But

19:36

raw or cooked, the shrimp haven't

19:38

been available in recent years. This

19:40

season, fishermen and consumers were

19:42

hopeful that a survey this winter

19:44

would reveal that the shrimp

19:46

population had recovered enough that some

19:48

might even hit markets or

19:50

restaurants. Caroline Losneck in Coastal

19:53

Maine has more. Gary Libby

19:55

is busy working on lobster gear

19:57

in his workshop in Port Clyde, Maine.

19:59

This is my trap. I'm just

20:01

finishing. These are my buoys. I painted

20:03

them earlier. They're pink and green.

20:05

These ones here show up good from

20:07

a distance. Libya's 67 and

20:09

has been a commercial fisherman for half

20:11

a century. This is what I do in

20:14

the winter when I'm not fishing. Try

20:16

to keep my gear in good shape. He'd

20:18

love to be out fishing for main

20:20

shrimp, but he can't. And he even

20:22

sold his shrimp boat and gear years

20:24

ago, except for very small catches for

20:26

science. Maine's commercial shrimp fishery

20:28

has been shut down for 11 years.

20:31

The population is considered depleted, and scientists

20:33

say that warming waters in the

20:35

Gulf of Maine are hard on shrimp.

20:38

They think they're marching north. Before

20:40

the closures in the mid -80s

20:42

and 1990s, Libby would pull in

20:45

1 ,000 pounds a day. And then

20:47

towards the early 2000s, we was

20:49

catching 1 ,000 pounds for every

20:51

hour we towed. We was coming

20:53

in with 5 ,000, 6 ,000 almost

20:55

every day. Back then, those

20:57

tiny shrimp didn't bring him big

20:59

bucks. 50 cents a pound, maybe.

21:02

But still, shrimp fell to niche in

21:04

the cold months when fishing offshore

21:06

for other species is too dangerous. And

21:09

the little pink shrimp had a big

21:11

impact. And it was just a part

21:13

of our winter culture here. That's

21:15

Ben Martens, executive director

21:17

of the Maine Coast Fisherman's

21:19

Association. You know, shrimp was

21:21

something that when you drive down the coast route

21:23

one in Maine, You'd see people on the

21:26

side of the road selling shrimp. At

21:28

its peak in 1996, the

21:30

shrimp catch in Maine was about 6 %

21:32

of all seafood earnings in the state

21:34

that year. But the moratorium stopped all that

21:37

until this winter. So when

21:39

there was this announcement that there was going

21:41

to be a very small limited fishery that

21:43

would allow fishermen to go and try to

21:45

show that there were shrimp in the ocean,

21:47

there was a lot of excitement. And

21:49

the seven main fishermen would get paid

21:51

for their catch. And unfortunately, They

21:54

did not have a lot of great success.

21:56

I also talked to a lot of fishermen who

21:58

didn't think that the shrimp were there because

22:00

they were believing in the science and what the

22:02

data had been showing over the past decade

22:04

or so. Martin says the boats that

22:06

went out knew what they were doing. These

22:08

are fishermen who know the ocean.

22:10

They understand shrimp. You know, they

22:12

picked the right people to go out and chase

22:15

those shrimp. But warming temperatures

22:17

and predators hurt the species. Squid,

22:20

which love warmer water, have been

22:22

moving in on the shrimp. Dr.

22:24

Kathy Mills is a senior scientist

22:26

at the Gulf of Maine Research

22:28

Institute. Even if one condition

22:30

becomes favorable for shrimp again, the

22:32

population would need time to re

22:34

-establish. The official numbers aren't in

22:36

yet, but it seems the shrimp

22:38

haul was nowhere near the catch

22:40

limit of 58 ,400 pounds, and

22:43

the disappointment has spread around the state.

22:45

Yeah, we was counting on the Maine

22:47

shrimp. That's Kendall Delano Jr.

22:49

He owns Delano, Seafood Market, and

22:51

Shack in Waldoboro, Maine. We use

22:53

them in the Shack as deep

22:55

-fried shrimp and shrimp salad rolls. Delano

22:58

got no shrimp from the winter catch, and

23:01

he has 220 disappointed customers who are on

23:03

his waiting list. But I've had people message

23:05

me and say, I don't care. I spent

23:07

$25 pound in the shell because we miss

23:09

them. We haven't had them. We got a

23:11

taste. Delano is holding out

23:13

hope. He says shrimp come and go

23:15

in cycles. and there have

23:17

been years when the population crashed and

23:19

then rebounded. He's crossing his fingers

23:22

for a comeback. In Portland,

23:24

Maine, I'm Caroline Losnick for

23:26

Marketplace. Like

23:49

Kaylee Wells was mentioning earlier,

23:51

the housing market is a tough

23:53

one, with high mortgage rates

23:55

and home prices plus low housing

23:57

supply. All that can

23:59

be especially discouraging for first -time

24:01

buyers. And yet, despite these

24:03

obstacles, there are still folks taking

24:06

the plunge. That brings us to

24:08

the first installment of our new

24:10

Adventures in Housing series, all about

24:12

first -time buyers. My name

24:14

is Naisha Bricks. We live in

24:16

the city of Denver. We are first

24:18

-time homebuyers. We closed on our home

24:21

in May of 2023 and we

24:23

are a family of 10. We

24:28

were on Section 8 and we

24:31

had given ourselves five years to be

24:33

on Section 8 because we had

24:35

been renters for, you know, our entire

24:37

adult lives. We just said, you

24:39

know, for the amount of money that

24:41

we're paying, The market price really

24:43

isn't that much more off than what

24:45

we're currently paying for rent. Why

24:48

not invest in ourselves? And

24:50

my husband, his parents, they

24:52

had purchased a home when he

24:54

was younger. Unfortunately, when his

24:56

mother passed away, the home

24:59

no longer stayed in the family.

25:01

And then on my side of the

25:03

family, the only homeowner that I

25:05

know of is my grandmother. So,

25:07

you know, think about generational

25:09

gaps. We are the next

25:11

generation to have accomplished home

25:13

ownership. The

25:19

dream scenario for us in

25:21

our price range doesn't exist here

25:23

where we are. So

25:25

we had to readjust our dream.

25:27

You know, I definitely have like

25:30

panic attacks during the process,

25:32

you know, but immediately I became

25:34

like a mini credit guru. I

25:39

started becoming obsessed with our credit

25:41

and I started to learn how

25:43

to, you know, attack things on

25:45

our credit reports that, you know,

25:47

did not look great in the

25:49

eyes of lenders. And then I

25:51

became obsessed with budgeting. I still

25:53

keep this as a habit. I

25:55

write down every bill and I

25:58

budget those bills to the penny.

26:00

I can tell you exactly when

26:02

something changes because I know what

26:04

the bills are. The

26:08

house was beautiful. It looks like a

26:10

doll house. So when we first seen

26:13

the house from the outside, we were

26:15

like, ah, it might be kind of

26:17

small. But when you walk into

26:19

the home, a tri -level house. And

26:21

my husband and I were like, this

26:23

is, you know, this could be our

26:25

first home, our fixer upper. You know,

26:27

the changes that we said we would

26:29

be willing to make that was here.

26:31

And then we were outside talking to

26:33

our realtor and this hummingbirds kept flying

26:36

around our head. And I had just

26:38

started gardening, so I had become obsessed

26:40

with attracting hummingbirds. And I just felt

26:42

like that was like an omen of,

26:45

we'll meet you here if you stay here. We

26:54

ended up closing in the house

26:56

for 430 ,000. You know we've

26:58

moved before you know but this

27:00

is like it's different when you're

27:03

moving you're saying this is our

27:05

home. We accomplished this and

27:07

it was wonderful seeing our kids run

27:09

in and be like this is our

27:11

house. This

27:14

is our house this is it. Naisha

27:21

Brooks out in Denver Colorado.

27:23

We can't do this series without

27:25

you. We want to hear

27:27

more from first -time home buyers.

27:29

Marketplace .org slash Adventures in Housing. This

27:50

final note on the way out today, since

27:52

we were talking about the fishing industry earlier,

27:55

yesterday the White House issued two

27:57

executive orders many in that

27:59

industry are celebrating. One

28:01

directs federal agencies to roll

28:03

back regulations the administration

28:05

determines are overly burdensome. Another

28:07

opens up about 500 ,000

28:09

square miles of a

28:11

marine national monument located between

28:13

Hawaii and American Samoa

28:16

to commercial fishing. Several

28:18

environmental groups are criticizing the

28:20

orders, which, like just about every

28:22

move from the White House these days, are

28:24

likely to end up in court. Our

28:26

theme music was composed by

28:28

B .J. Liederman. Marketplace's executive producer

28:30

is Nancy Fargali. Donna Tam is

28:33

the executive editor. Neil Scarborough

28:35

is the vice president and general

28:37

manager. And I'm Kimberly Adams. Have

28:39

a great weekend, everyone, and we will be

28:41

back on Monday. This

29:06

is APM. If

29:08

there's one thing we know about

29:11

social media, it's that misinformation is

29:13

everywhere, especially when it comes to

29:15

personal finance. Financially inclined

29:17

from marketplace is a podcast you

29:19

can trust to help you get serious

29:21

about your money so you can

29:23

build a life you've always dreamed of.

29:26

I'm the host, Janelia Spinal,

29:28

and each week I ask

29:30

experts important money questions, like

29:32

how to negotiate job offers,

29:35

how to choose a college that you can afford, and

29:38

how to talk about money with

29:40

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29:42

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29:44

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