For every child, you’re likely to spend a lot on education. But also there are time costs, when you prepare for a new family member and as your child grows. Michael Liersch, in this episode of My Next Move, identifies some of childrearing’s hidden expenses. He also offers tips to help you line up resources—freeing yourself for joy of parenting. For more information, go to jpmorgan.com/mynextmove.

Discussing prenuptial agreements, while important, isn’t easy. Wealth Advisor Gigi Orta and Michael Liersch explore ways to reframe it more positively in this episode of My Next Move. The first step: Learn your rights and obligations. Then think about your own goals. Finally, dialogue with each other, looking toward common goals and supportive outcomes.  For more information, go to jpmorgan.com/mynextmove.

Money conversations among those cohabitating often only happen when resentments erupt. Michael Liersch has advice on avoiding that in this My Next Move episode. Have an open mind, choose a neutral location, keep conversations under 30 minutes and start by covering household expenses. And remember—fair might not mean equal if incomes differ. For more information, go to jpmorgan.com/mynextmove.

A savings cushion is what allowed NBC Senior Business Correspondent Stephanie Ruhle to take a huge career risk—leave Wall Street for television—she tells Michael Liersch in part two of a very personal My Next Move conversation. She covers women’s career networking, why “You're very articulate” is deeply offensive, and the upside of paying children for chores. Learn more at jpmorgan.com/mynextmove.

Stephanie Ruhle, NBC News Senior Business Correspondent, shares her personal story about earning big, being a go-getter woman on Wall Street, and how she handles talking to her children about money in the first of a two-part conversation with behavioral expert Michael Liersch in this My Next Move financial podcast. Learn more at jpmorgan.com/mynextmove.

Is money making you feel depressed habitually? Behavioral expert Michael Liersch spends this My Next Move financial podcast discussing the social, personal or moral narratives which may be contributing to how you feel. In all these cases, Michael suggests asking for help, from a professional or someone close. Addressing these problems can allow your money to have its intended impact—on yourself, and the people and communities you care about most. For more information, go to jpmorgan.com/mynextmove.

Human beings like speculation—hypothesis testing—because it’s fun when their predictions are right, says behavioral finance expert Michael Liersch in this episode. We often forget, though, that very often, speculation doesn’t work out. Can you avoid letting speculation hurt you? For more information, go to jpmorgan.com/mynextmove.

Many of us experience a tug-of-war between what we want to do now with our money—and what financial planning we should do to take care of our future selves. In this episode of the My Next Move financial podcast, behavioral expert Michael Liersch offers ways to resolve this conflict. Simply create a plan (filled with small, incremental steps) that puts you on a path to financial sustainability. Bottom line: your whole financial life, present and future, can be positive. It just takes you thinking it through, and then making it so.

The best retirement planning starts with imagining your future and adjusting your mental model to some key facts: you’ll likely live longer than you expect, retire sooner, and spend more during retirement than before. Behavioral expert Michael Liersch explains in this My Next Move podcast how to use your mind now to discover and plan for your future self.

Do you do a lot of impulse buying? Is it to make yourself feel better, out of boredom or to fill some void in your life? In this episode of My Next Move, behavioral expert Michael Liersch shows why—although it's normal—in the long run, impulse spending can make you feel worse and hurt your finances. If that sounds familiar, Michael has some ideas. Look at your overspending for several months. What was going on for you in those moments? Did you feel a void? Unhappiness? Were you perhaps acting out of competitiveness, guilt or boredom? The first step is identifying and understanding the reason for your behavior. That can progress to intentionally trying to resist the use of impulsive spending as a soothing strategy, and you can evaluate how that makes you feel. Ultimately, Michael suggests maybe doing the opposite of spend: donate your time or energy, or experience time together with your loved ones at home. Collaborating with others, you can begin a journey to intentionally do more of what gives you happiness, and less of what doesn't.