The Demographic Dilemma and Your Dollars w/ Melissa Kearney #1046

The Demographic Dilemma and Your Dollars w/ Melissa Kearney #1046

Author: iHeartPodcasts October 8, 2025 Duration: 57:48

“Demographics are destiny” is a phrase we’ve all heard. And while the future of America isn’t a foregone conclusion, declining birth rates, rising inequality, and the dramatic increase of single-parent households are having a profound impact on our society, impacting the overall economy. With all of this in mind, another question is raised: how should we respond and what money choices should we be making now? To help answer this question, we’re joined by Melissa Kearney who is an economist known for her extensive research on social policy, poverty, inequality, and the economics of families and fertility. Melissa is author of the book, The Two-Parent Privilege, and she’s a professor of economics at Notre Dame. We discuss:

  • How pessimism about the economy often contrasts with individual financial well-being
  • Declining birth rates are a global concern with potential economic consequences
  • Marriage is not just a romantic arrangement, it has economic implications too
  • Immigration could be a solution to counteract declining birth rates
  • Declining birth rates could lead to challenges in social security systems
  • Investing strategies may need to adapt to demographic changes

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

  • Be sure to check out Melissa’s book, The Two-Parent Privilege!
  • Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
  • Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
  • Find a thriving community of fellow money nerds by joining the HTM Facebook group!
  • Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

 

And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

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Joel and Matt, two best friends who happen to be your guides through the world of personal finance, host this practical and approachable How to Money podcast. They cut through the noise and intimidation that often surrounds money topics, focusing instead on actionable strategies for everyday life. You'll hear straightforward conversations about getting out of debt, building an investment portfolio on your own terms, and mastering those small financial habits that add up to significant change over time. The core idea is that managing your finances shouldn't require a special degree or a wall of confusing terminology. This show from iHeartPodcasts is built on the belief that clear, unbiased guidance is a powerful tool for anyone. Each episode serves as a resource, offering knowledge you can apply immediately, whether you're just starting to budget or looking to optimize your long-term plans. Tune in for a down-to-earth discussion that makes business, education, and investing feel not only accessible but genuinely relevant to your journey toward financial confidence.
Author: Language: en-us Episodes: 100

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