Plus: Why you need to rebalance now.
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How to Invest With Less Worry
Yes, it’s been another volatile few weeks in the markets, and things may not settle down just yet. But history is on our side, thank goodness, and has shown us there will be a rebound coming. And we really wanna be there for it. (And we really want you to be there for it, too!) So this week we’re taking a look at the past, present, and future of investing with Bob Pisani, the Senior Markets Correspondent for CNBC. He joins the HerMoney Podcast* to talk about investing pitfalls and shares some of the most common mistakes he’s seen investors make during his career. Plus, Pisani offers insight on how to invest in a volatile market (without worrying so much) and gives us some best practices for investing for the long haul. Remember, it’s time in the market (not timing the market) that really matters.

Trouble Sleeping? Try These Free and Low-Cost Apps

Ladies, raise your hand if you are able to sleep deeply every night of the week, waking up refreshed and ready to rock the day. OK, don’t roll your eyes just yet. Turns out our hormones could be to blame for some of our sleep-related issues. This week, we take a look at what impacts our ability to get a good night’s rest and how to overcome (or at least combat) some of those annoying issues. There is hope for the sleep-deprived! HerMoney’s Aly Walansky offers details on a number of free and low-cost sleep apps to help all of us get a little more shut-eye. Here’s to more sweet dreams in your future!

Budget-Friendly Ideas for Friendsgiving

What do rustic pumpkins and inexpensive take-out food have in common? Both are perfectly appropriate for a Friendsgiving gathering. Those of us who are eager to host aΒ  Thanksgiving-style celebration with our friends but don’t have much of a budget, take heart β€” you could also skip the turkey entirely and focus on those delicious side dishes. β€œI mean, the sides are the best part of Thanksgiving anyhow, aren’t they?” says foodie Christine Pittman, who notes the best thing about a side-dish-dinner is that so many classic Thanksgiving sides are super budget-friendly to make. Check out this muffin-tin-stuffing recipe and this sweet potato casserole for two inexpensive ideas. And if you are planning to roast a turkey, remember you don’t have to get a big one. The best part? Less time in the kitchen means more time socializing with your nearest and dearest. Enjoy!

Don't Drive Blind: Rebalance Ahead of a Recession
Together with

And speaking of the market, it’s during times of volatility that we really need to take the wheel, so to speak, to make sure everything is where it needs to be, investment wise. With the stock market down by double digits, inflation soaring and the Fed planning to continue raising interest rates to fight the rising cost of living, many women who have checked their portfolios lately have found they are suddenly too exposed in one area of the market, or perhaps don’t have enough exposure in another.

Financial experts tell us that at age 40, we should have about 70% of our assets in stocks. At age 50, that figure should drop to around half. Despite that, a recent HerMoney and Alliance for Lifetime Income survey showed that one in four women have 20% more allocated to stocks than is recommended. (And 37% of Millennials, 30% of Gen Xers and 21% of Baby Boomers don’t know how their portfolio is allocated!) That means a lot of us are driving blind when it comes to our investments. This is where rebalancing comes in. Take time and realign your investments with your original plan, whether you still have decades to invest or are nearing retirement. It’s particularly important in bear markets and the prospect of a recession looming.

More For You To ❀️

  • β€œBefore you own a restaurant, work in a restaurant.” That’s one of the many pieces of advice Kerry Diamond, founder, editor in chief and producer of Cherry Bombe, the #1 podcast in the U.S. about women and food, has for women interested in starting their own businesses. Our founder and CEO, Jean Chatzky, joined Diamond and Lisa Janae, founder of Terra Visuals, as panelists for the Citizens' Women in Business event to celebrate #WomensSmallBusinessMonth. Hear more about their journeys and their advice for entrepreneurial success here.

  • Welcoming a new fluffy friend? In order for your new pet to thrive, you need to do more than buy a bag of food and an adorable sweater β€” you’ve got to take a hard look at your finances. Here's the financial checklist you need to prepare your heart β€” and budget β€” for your first dog or cat.

  • Reserve your seat for 11/3. Sign up for the next session of FinanceFixx and work with a dedicated money coach as we head into the most expensive season of the year. Eight weeks to money health and savings happiness. Let's go!

Have a great week!

The HerMoney Team

HerMoney is not a client, agent, representative or affiliate of EFE. Edelman Financial Engines (β€œEFE”) is a sponsor of the "HerMoney with Jean Chatzky Podcast,” created by HerMoney Media. Inc. (β€œHerMoney”) and provides cash compensation to HerMoney Media. HerMoney receives a sponsorship fee from Edelman Financial Engines depending on the number of podcast downloads, as measured by the end of the calendar year. The sponsorship fee is paid on a quarterly basis each year. In turn, HerMoney also provides promotional deliverables regarding EFE on the HerMoney podcast, newsletter, and social media channels. Due to this sponsorship arrangement, HerMoney has an incentive to endorse EFE and its services.

*The HerMoney podcast is proudly sponsored by Edelman Financial Engines. Unlock your wealth potential with our sophisticated wealth planning. Continue your journey at Sponsored by Edelman Financial Engines – Modern wealth planning.Β Β All advisory services offered through Financial Engines Advisors L.L.C. (FEA), a federally registered investment advisor. Results are not guaranteed. AM2211988.

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