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What if changing your financial future started with just one dollar a day? In this episode of the Pink Money Podcast, Jerry Williams breaks down one of the simplest and most effective ways to begin saving money — even if you feel broke, overwhelmed, or stuck living paycheck to paycheck. Instead of focusing on complicated investing strategies or unrealistic financial goals, Jerry explains how building a small daily savings habit can help you develop confidence, consistency, and long-term finan...

Single & Struggling – Step 6: Now Voyager (The Transformation) This is the final step in the Single & Struggling series—and it’s where everything comes together. After organizing your finances, prioritizing what matters most, breaking the paycheck-to-paycheck cycle, and setting realistic goals, you’ve done the hard work. Now it’s time for transformation. Inspired by the classic film Now, Voyager, this episode is about becoming a fully independent, self-reliant person—someone who takes...

In Step 5 of the Single & Struggling series, we shift from survival to self-reliance—and inspiration comes from an unexpected place: the classic film Mildred Pierce . After organizing your finances, prioritizing what matters most, breaking the paycheck-to-paycheck cycle, and setting SMART goals, this episode is about something deeper— believing in your ability to create income and opportunity for yourself . Mildred’s story is a powerful reminder that when everything else falls away, your skills,...

💬 Have a question or comment? Contact Jerry here

In this episode of the Pink Money Podcast, Jerry Williams continues the Single & Struggling series by tackling one of the most critical steps in breaking the paycheck-to-paycheck cycle: understanding where your money is actually going. After organizing bills and prioritizing urgent financial obligations, the next step is deeper analysis. Jerry walks you through how to track your spending, identify financial “pain points,” and take control of your cash flow—without relying on rigid budgeting rule...

When everything feels urgent and the bills are piling up, where do you even start? In this second episode of the Single & Struggling series, Jerry walks you through a practical “financial triage” system to help you prioritize what matters most when money is tight. You’ll learn how to sort your financial obligations into clear categories, focus on protecting your essentials like housing and income, and create a plan before making any payments or calls. This is not about perfection—it’s abo...

We all have a starting point—and sometimes it’s not pretty. In this episode of Pink Money, I share a personal story about facing financial chaos head-on and taking the first real step toward control. Before budgeting, before goal-setting, before any kind of plan—you have to understand where you are. That means opening the mail, organizing the mess, and getting a clear picture of what you’re dealing with. This isn’t about perfection. It’s about awareness. If you’ve ever felt overwhelmed, behin...

Credit utilization is one of the most important — and most misunderstood — parts of your credit score. In this episode of the Pink Money Podcast, Jerry Williams breaks down how credit utilization works, why it accounts for 30% of your credit score, and how even responsible borrowers can accidentally damage their credit rating. Using a real-life experience while helping manage his mother’s finances, Jerry explains how credit card balances can quietly exceed limits and negatively affect credit ...

In this episode Jerry talks about being single and alone and struggling financially what can you do? He offers some practical steps to help move you forward from the basics like taking stock of your financial situation and personal capabilities and skills, to developing necessary documents like a simple Letter of Instruction to help locate accounts, friends and relatives. Additionally he gives some ideas of ways to think about improving your life by vocational training, education, and using your...

Teacher, meet your retirement superpowers. We unpack why 403(b) plans confuse so many people, what a 457(b) really is, and how the two can work together to help educators save more for retirement—without the jargon.

Not everyone knows what we know—especially with money. In this episode, Jerry breaks down the basics of a debt consolidation loan: what it is, how it works, how rates are set, and how to avoid common mistakes when rolling up credit card debt.

Congress just passed the “One Big Beautiful Bill” and 2025 is your window for tax planning before 2026. Jerry walks through key tax breaks, deductions, and planning moves you may want to consider now—especially if you’re a senior, nearing retirement, or trying to lower your tax bill.

So many women are told “don’t worry, he’s taking care of it” — right up until the moment the money’s gone. In this episode, Jerry welcomes back his friend and longtime finance pro Grace for a candid conversation about why women so often feel intimidated around money and how to change that, starting today. Jerry shares real-life stories: a woman inheriting $200,000 and unsure what to do next, another terrified her brother (with power of attorney) is draining their father’s accounts, and widows wh...

Jerry Williams tackles the $500 question — is it smarter to pay off your mortgage, invest in the market, or buy a second home? A practical look at goals, growth, and what financial freedom really means.

Fraud doesn’t always look like a Ponzi scheme. Jerry Williams unpacks how advisor misconduct happens, what red flags to watch for, and how to protect your credit and identity before bad advice becomes your problem.

Jerry opens Season 6 with a sharp reflection on self-worth, spending, and the hidden cost of vanity. Discover how redirecting your money from depreciating assets to investments or savings can change your financial future.

Jerry Williams breaks down how different tax systems really work — progressive, flat, and everything in between. With humor and clarity, he explains why two people earning the same income can pay vastly different tax rates, what deductions actually do, and how state and federal tax layers interact.Whether you’re frustrated by “the system” or simply want to understand your paycheck better, this episode turns tax confusion into clear insight.

Jerry welcomes entrepreneur and author Gregory True, whose new book Proud Wealth: Building Abundance on Your Own Terms guides LGBTQ+ listeners through the A-to-Z of personal finance. Proud Wealth: Building Abundance on Your Own Terms – Gregory True🔗 Grab your copy hereGregory shares the personal story behind the book—the loss of his husband—and why estate planning, powers of attorney, and other legal docs are essential for queer couples. We also talk about tackling debt without shame, first steps for 20-somethings, choosing queer-competent advisors, and why “saving and security is our best form of protest.” Gregory’s audiobook is newly released, and the book is available widely (including Amazon). He also shares ongoing tips on Instagram at @proudwealth.In this episode:• Estate planning must-haves for LGBTQ+ families• Budgeting, debt, credit, and beginner investing made simple• Navigating discrimination and staying authentic in business• How to find advisors …

A real-life test drive of life insurance: Jerry compares real quotes from three different insurance carriers: Ethos, USAA, and Pacific Life, and explains why there is such disparity in the quotes. He dives into why term vs. whole policies have a hidden cost of insurance (COI) and what you should ask for when presented with illustrations from your agent and finally why those $9.99 ads don’t tell the whole story.

Jerry explores the real impact of rising prices, inflation, and tariffs—from simple t-shirt math to the bread lines of Weimar Germany. He explains how costs trickle down to consumers, why shortages fuel chaos, and how history shows us the dangers of runaway inflation. More importantly, he offers practical advice for protecting your finances today: build an emergency fund, cut high-interest debt, and take control where you can—whether through smarter budgeting, side hustles, or planning ahead.💬 Have a question or comment? Contact Jerry here

Jerry talks about losing the time value of money and problems that can occur when we wait to take steps to do what's most important to us. Procrastination costs more than time — it costs money. Jerry shares real stories and practical steps to stop putting off your financial future.💬 Have a question or comment? Contact Jerry here

In this thought-provoking episode of Pink Money, host Jerry Williams dives into the real numbers behind America’s leading causes of death—from smoking and heart disease to suicide and substance abuse—and explores how these realities impact the LGBTQ+ community in unique and devastating ways.Jerry unpacks health disparities, discrimination, and the ongoing threats of hate-filled rhetoric from those who weaponize religion and politics against queer lives. He reflects on personal stories of coming out, family conversations, and battles for equal rights, connecting past struggles like Colorado’s “special rights” amendment with today’s attacks on trans and queer protections.The episode also highlights the power we hold to push back—through voting, advocacy, and even thoughtful giving. Jerry explains how to support organizations that fight for equality while making smart, tax-deductible choices with your money.It’s a powerful reminder that resilience, pride, and financial empowe…

In this Pride Month episode of Pink Money, host Jerry Williams reflects on the emotional and financial challenges of breakups—sharing personal stories of how money habits, debt, and resentment can intensify the stress of separation. Jerry explains how tracking expenses, setting common goals, and building financial independence can make or break a relationship, and why developing good money habits is essential both together and apart.He also explores the bigger picture: what it means to live authentically, embrace who you are, and celebrate Pride in a world that doesn’t always make it easy. With humor, honesty, and heartfelt encouragement, Jerry reminds listeners—queer and allies alike—that being true to yourself is powerful, and being financially smart makes you even stronger.

In this episode of Pink Money, Jerry Williams tackles a common workplace shock: automatic 401(k) enrollment. When a listener panics after finding their paycheck suddenly smaller, Jerry explains why employers are allowed to do this, how automatic contributions work, and why it’s ultimately designed to benefit you.From target-date funds to money markets, pre-tax vs. Roth contributions, and employer matches, Jerry breaks down how to make the most of your retirement plan. He also shares practical advice on what to do if you’re strapped for cash, how to adjust contributions without missing out on “free money,” and why starting early is key to building long-term financial security.A clear, empowering guide for anyone navigating retirement savings—whether you’re just starting out, catching up, or simply confused about where your money’s going.