<![CDATA[Your Money, Your World]]>https://your-money-your-world-5x471t.jellypod.comPowered by Jellypod (https://www.jellypod.com)Fri, 11 Sep 2026 01:38:15 GMTSun, 16 Aug 2026 12:42:42 GMTyesc0302590-17ec-4f22-a610-84968fc37b68Michael Spellman“Welcome to Your Money, Your World where in 15 minutes each day you get to go beyond just knowing the headlines, learning instead what to do to protect your interests in the light of the psychological and economic impacts of today’s world events. You don'“Welcome to Your Money, Your World where in 15 minutes each day you get to go beyond just knowing the headlines, learning instead what to do to protect your interests in the light of the psychological and economic impacts of today’s world events. You don't have to be an economist or a psychologist to protect your family's finances. In these frenzied, chaotic times, you do have to pay attention, act early, and make decisions from a calm informed place. That's what this show is here to help you do. No jargon. No drama. Just the stuff you need to know and practical suggestions to protect yourself and your family.” (Powered by Jellypod)episodicMichael Spellmanfeed+816b4e10@podcasts.jellypod.comfalse<![CDATA[Jackson Hole Shock, 6.55% Mortgages, and the Insurance Squeeze]]>https://your-money-your-world-5x471t.jellypod.com/episodes/a486dfdf-b5ff-44a2-898f-326a827bf7b6a486dfdf-b5ff-44a2-898f-326a827bf7b6Sat, 29 Aug 2026 11:04:57 GMT1414Markets flipped fast after Jackson Hole, pushing mortgage rates higher and deepening the housing lock-in effect as homeowners cling to low existing loans. The hosts also unpack the hidden budget shock from soaring homeowners insurance escrow bills, why auto insurance is easing, and practical moves like high-yield savings and mortgage recasting.

]]>Michael SpellmanMarkets flipped fast after Jackson Hole, pushing mortgage rates higher and deepening the housing lock-in effect as homeowners cling to low existing loans. The hosts also unpack the hidden budget shock from soaring homeowners insurance escrow bills, why auMarkets flipped fast after Jackson Hole, pushing mortgage rates higher and deepening the housing lock-in effect as homeowners cling to low existing loans. The hosts also unpack the hidden budget shock from soaring homeowners insurance escrow bills, why auto insurance is easing, and practical moves like high-yield savings and mortgage recasting.false00:13:02full<![CDATA[AI Voice Clones, Bank Scams, and Smart Cash Moves]]>https://your-money-your-world-5x471t.jellypod.com/episodes/8d0bc809-7bb9-4043-ab9a-e84dc3ea27218d0bc809-7bb9-4043-ab9a-e84dc3ea2721Sat, 29 Aug 2026 11:03:18 GMT1313Learn how AI-powered scam bots are using voice clones and automated bank calls to bypass security, plus simple safeguards like family passphrases and transaction alerts. The episode also breaks down why sticky inflation and looming rate cuts make CD laddering a smart way to balance yield and liquidity.

]]>Michael SpellmanLearn how AI-powered scam bots are using voice clones and automated bank calls to bypass security, plus simple safeguards like family passphrases and transaction alerts. The episode also breaks down why sticky inflation and looming rate cuts make CD laddeLearn how AI-powered scam bots are using voice clones and automated bank calls to bypass security, plus simple safeguards like family passphrases and transaction alerts. The episode also breaks down why sticky inflation and looming rate cuts make CD laddering a smart way to balance yield and liquidity.false00:06:44full<![CDATA[Fed Dissent, Sticky Rates, and the New Mortgage Reality]]>https://your-money-your-world-5x471t.jellypod.com/episodes/34431de9-8b20-47d0-b9a5-78b5ba27391634431de9-8b20-47d0-b9a5-78b5ba273916Fri, 28 Aug 2026 13:00:37 GMT1212The hosts break down the latest Federal Reserve dissent, why inflation worries are keeping policy tight, and how sticky borrowing costs are affecting households. They also dig into mortgage-rate realities, Fannie Mae’s outlook, and the risks of betting on adjustable-rate loans in a high-rate market.

]]>Michael SpellmanThe hosts break down the latest Federal Reserve dissent, why inflation worries are keeping policy tight, and how sticky borrowing costs are affecting households. They also dig into mortgage-rate realities, Fannie Mae’s outlook, and the risks of betting onThe hosts break down the latest Federal Reserve dissent, why inflation worries are keeping policy tight, and how sticky borrowing costs are affecting households. They also dig into mortgage-rate realities, Fannie Mae’s outlook, and the risks of betting on adjustable-rate loans in a high-rate market.false00:13:20full<![CDATA[Energy Costs, Tight Credit, and the Hidden Budget Squeeze]]>https://your-money-your-world-5x471t.jellypod.com/episodes/d267786b-177d-47fa-8893-9cdf0dbb1d1bd267786b-177d-47fa-8893-9cdf0dbb1d1bFri, 28 Aug 2026 11:03:50 GMT1111This episode breaks down how surging energy costs and sticky shelter expenses are squeezing household budgets even as core inflation cools. The hosts also explore tightening credit access, rising savings expectations, and why relying on credit lines as an emergency fund can be a dangerous mistake.

]]>Michael SpellmanThis episode breaks down how surging energy costs and sticky shelter expenses are squeezing household budgets even as core inflation cools. The hosts also explore tightening credit access, rising savings expectations, and why relying on credit lines as anThis episode breaks down how surging energy costs and sticky shelter expenses are squeezing household budgets even as core inflation cools. The hosts also explore tightening credit access, rising savings expectations, and why relying on credit lines as an emergency fund can be a dangerous mistake.false00:07:08full<![CDATA[The 3% Savings Trap Behind Strong Spending]]>https://your-money-your-world-5x471t.jellypod.com/episodes/fae2ecdc-6935-447d-a759-181683c35284fae2ecdc-6935-447d-a759-181683c35284Fri, 28 Aug 2026 11:03:26 GMT1010This episode breaks down why strong consumer spending can hide serious household cash flow strain, with rising utilities, healthcare, and debt payments eating away at income. It also shares practical steps for rebuilding savings, cutting interest drag, and automating a stronger cash buffer.

]]>Michael SpellmanThis episode breaks down why strong consumer spending can hide serious household cash flow strain, with rising utilities, healthcare, and debt payments eating away at income. It also shares practical steps for rebuilding savings, cutting interest drag, anThis episode breaks down why strong consumer spending can hide serious household cash flow strain, with rising utilities, healthcare, and debt payments eating away at income. It also shares practical steps for rebuilding savings, cutting interest drag, and automating a stronger cash buffer.false00:06:48full<![CDATA[Why Homeowners Are Stuck in Low-Rate Mortgage Handcuffs]]>https://your-money-your-world-5x471t.jellypod.com/episodes/84b9e033-845f-4ed7-be91-8391ea31105384b9e033-845f-4ed7-be91-8391ea311053Thu, 27 Aug 2026 20:07:55 GMT99We break down why so many homeowners are stuck in place by ultra-low mortgage rates, even as moving would make financial sense. The conversation also covers the forces keeping borrowing costs elevated, the risks of tapping home equity with variable-rate debt, and practical ways families can protect cash flow.

]]>Michael SpellmanWe break down why so many homeowners are stuck in place by ultra-low mortgage rates, even as moving would make financial sense. The conversation also covers the forces keeping borrowing costs elevated, the risks of tapping home equity with variable-rate dWe break down why so many homeowners are stuck in place by ultra-low mortgage rates, even as moving would make financial sense. The conversation also covers the forces keeping borrowing costs elevated, the risks of tapping home equity with variable-rate debt, and practical ways families can protect cash flow.false00:06:41full<![CDATA[Credit Card Delinquency Surge and the HELOC Trap]]>https://your-money-your-world-5x471t.jellypod.com/episodes/ec7216c2-009e-4bbe-8c15-0b13d1ce0d57ec7216c2-009e-4bbe-8c15-0b13d1ce0d57Thu, 27 Aug 2026 17:29:49 GMT88We break down the surge in severe credit card delinquencies, why more than 111 million Americans are stuck carrying revolving balances, and how record-high interest rates are draining household cash flow. The episode also explores the HELOC temptation, the hidden risk of turning unsecured debt into mortgage-backed debt, and practical ways families can protect their finances.

]]>Michael SpellmanWe break down the surge in severe credit card delinquencies, why more than 111 million Americans are stuck carrying revolving balances, and how record-high interest rates are draining household cash flow. The episode also explores the HELOC temptation, thWe break down the surge in severe credit card delinquencies, why more than 111 million Americans are stuck carrying revolving balances, and how record-high interest rates are draining household cash flow. The episode also explores the HELOC temptation, the hidden risk of turning unsecured debt into mortgage-backed debt, and practical ways families can protect their finances.false00:07:31full<![CDATA[HELOCs, Servicing Gaps, and the Hidden Mortgage Trap]]>https://your-money-your-world-5x471t.jellypod.com/episodes/ab288a30-e5ec-452a-9788-65fdc4761965ab288a30-e5ec-452a-9788-65fdc4761965Thu, 27 Aug 2026 11:03:41 GMT77Homeowners are tapping equity lines to escape credit card rates, but that shift can turn unsecured debt into a risk tied to the roof over their heads. The episode also exposes how mortgage servicing transfers, escrow recalculations, and reporting gaps can trigger surprise late fees, credit-score hits, and household chaos.

]]>Michael SpellmanHomeowners are tapping equity lines to escape credit card rates, but that shift can turn unsecured debt into a risk tied to the roof over their heads. The episode also exposes how mortgage servicing transfers, escrow recalculations, and reporting gaps canHomeowners are tapping equity lines to escape credit card rates, but that shift can turn unsecured debt into a risk tied to the roof over their heads. The episode also exposes how mortgage servicing transfers, escrow recalculations, and reporting gaps can trigger surprise late fees, credit-score hits, and household chaos.false00:07:17full<![CDATA[Middle Class Money Stress: Why Paper Wealth Isn’t Enough]]>https://your-money-your-world-5x471t.jellypod.com/episodes/68f334a9-f55d-4705-9008-a25137c12aac68f334a9-f55d-4705-9008-a25137c12aacWed, 26 Aug 2026 17:52:36 GMT66This episode examines why middle class households can look stable on paper yet feel financially strained in everyday life, from rising essentials and weak liquid savings to the illusion of home equity and retirement balances. It also explores how credit reliance, high interest rates, and growing foreclosure filings are eroding resilience, and why building cash buffers matters before the next expense shock.

]]>Michael SpellmanThis episode examines why middle class households can look stable on paper yet feel financially strained in everyday life, from rising essentials and weak liquid savings to the illusion of home equity and retirement balances. It also explores how credit rThis episode examines why middle class households can look stable on paper yet feel financially strained in everyday life, from rising essentials and weak liquid savings to the illusion of home equity and retirement balances. It also explores how credit reliance, high interest rates, and growing foreclosure filings are eroding resilience, and why building cash buffers matters before the next expense shock.false00:08:09full<![CDATA[Gas Prices, Consumer Angst, and the Household Cash Buffer]]>https://your-money-your-world-5x471t.jellypod.com/episodes/9d1ea40f-6ece-4e0b-b283-867022b7fb5d9d1ea40f-6ece-4e0b-b283-867022b7fb5dWed, 26 Aug 2026 17:16:55 GMT55This episode breaks down how surging gas prices and rising short-term inflation fears sent consumer confidence and sentiment to new lows, while long-term expectations stayed surprisingly anchored. It also explores why income growth feels stuck for many households and how building a three-month liquid cash buffer can help protect against sudden shocks.

]]>Michael SpellmanThis episode breaks down how surging gas prices and rising short-term inflation fears sent consumer confidence and sentiment to new lows, while long-term expectations stayed surprisingly anchored. It also explores why income growth feels stuck for many hoThis episode breaks down how surging gas prices and rising short-term inflation fears sent consumer confidence and sentiment to new lows, while long-term expectations stayed surprisingly anchored. It also explores why income growth feels stuck for many households and how building a three-month liquid cash buffer can help protect against sudden shocks.false00:06:00full<![CDATA[The $15.9B Imposter Scam Trap]]>https://your-money-your-world-5x471t.jellypod.com/episodes/80c41a07-9445-4bf7-a5ff-28d02e2d5cff80c41a07-9445-4bf7-a5ff-28d02e2d5cffWed, 26 Aug 2026 11:04:25 GMT44This episode breaks down the surge in imposter scams, why instant payment systems make fraud losses nearly impossible to reverse, and how scammers exploit panic and trust to get victims to act fast.

It also covers practical defenses like call-back verification, authenticator apps, real-time banking alerts, and verbal passphrases, plus the ongoing regulatory fight over who should bear these losses under Regulation E.

]]>Michael SpellmanThis episode breaks down the surge in imposter scams, why instant payment systems make fraud losses nearly impossible to reverse, and how scammers exploit panic and trust to get victims to act fast. It also covers practical defenses like call-back verificThis episode breaks down the surge in imposter scams, why instant payment systems make fraud losses nearly impossible to reverse, and how scammers exploit panic and trust to get victims to act fast. It also covers practical defenses like call-back verification, authenticator apps, real-time banking alerts, and verbal passphrases, plus the ongoing regulatory fight over who should bear these losses under Regulation E.false00:08:58full<![CDATA[Why Your Fixed Mortgage Payment Keeps Rising]]>https://your-money-your-world-5x471t.jellypod.com/episodes/ceabaa6e-a080-45fa-a071-3af9efd4c69dceabaa6e-a080-45fa-a071-3af9efd4c69dTue, 25 Aug 2026 11:03:56 GMT33Homeowners are getting blindsided by escalating escrow bills as insurance premiums surge nationwide, turning a supposedly fixed mortgage into a moving target. The episode explores how rising rates are pushing families into delinquency, relocation, and tough coverage decisions, while offering practical ways to regain control.

]]>Michael SpellmanHomeowners are getting blindsided by escalating escrow bills as insurance premiums surge nationwide, turning a supposedly fixed mortgage into a moving target. The episode explores how rising rates are pushing families into delinquency, relocation, and touHomeowners are getting blindsided by escalating escrow bills as insurance premiums surge nationwide, turning a supposedly fixed mortgage into a moving target. The episode explores how rising rates are pushing families into delinquency, relocation, and tough coverage decisions, while offering practical ways to regain control.false00:07:52full<![CDATA[Auto Loan Squeeze and the Household Debt Crisis]]>https://your-money-your-world-5x471t.jellypod.com/episodes/339c7128-175d-4249-a7f9-56f8a0c765c0339c7128-175d-4249-a7f9-56f8a0c765c0Mon, 24 Aug 2026 11:03:02 GMT22Household debt has reached a record high as auto loan stress and rising credit card delinquencies squeeze working families. The hosts break down why car payments can trigger a financial domino effect and share four practical steps to protect cash flow, credit, and peace of mind.

]]>Michael SpellmanHousehold debt has reached a record high as auto loan stress and rising credit card delinquencies squeeze working families. The hosts break down why car payments can trigger a financial domino effect and share four practical steps to protect cash flow, crHousehold debt has reached a record high as auto loan stress and rising credit card delinquencies squeeze working families. The hosts break down why car payments can trigger a financial domino effect and share four practical steps to protect cash flow, credit, and peace of mind.false00:06:11full<![CDATA[Why Families Are Leaning on Credit to Make Ends Meet]]>https://your-money-your-world-5x471t.jellypod.com/episodes/697a2cf5-b83d-43c7-b63d-560df05e7e01697a2cf5-b83d-43c7-b63d-560df05e7e01Sun, 23 Aug 2026 11:03:57 GMT11This episode breaks down how soaring household debt, 21% credit card APRs, and 17 straight quarters of HELOC growth are pushing families to use credit for essentials like groceries, rent, and utilities. It also explores the K-shaped strain hitting lower- and middle-income households hardest, and why home equity is becoming a precarious emergency fund.

]]>Michael SpellmanThis episode breaks down how soaring household debt, 21% credit card APRs, and 17 straight quarters of HELOC growth are pushing families to use credit for essentials like groceries, rent, and utilities. It also explores the K-shaped strain hitting lower- This episode breaks down how soaring household debt, 21% credit card APRs, and 17 straight quarters of HELOC growth are pushing families to use credit for essentials like groceries, rent, and utilities. It also explores the K-shaped strain hitting lower- and middle-income households hardest, and why home equity is becoming a precarious emergency fund.false00:08:43full