For The Hayters

The second Becks was born, Becky called Alex in a full panic and asked one question: "What account am I supposed to open for him?" Same energy as everyone who's ever Googled "529 vs UTMA" at 11pm. In this episode, Becky admits she had no idea where to even start, and Alex breaks down every kid investment account without making any parent feel like they're already behind.
The Solution
Why the guilt parents feel is real, and why you can't pour from an empty cup (you can borrow for college, you cannot borrow for retirement)
529 plans: strong tax advantages and high contribution potential, but locked into education and penalized for non-qualified withdrawals
UTMA custodial accounts: flexible and not tied to education, but your kid gets full control at 18 or 21, plus the "kiddie tax" and financial aid impacts to watch for
Roth IRAs for kids: decades of tax-free growth, but only if your child has legitimate earned income (sorry, newborns don't qualify)
Brokerage accounts: total flexibility, accessible anytime, and the account Alex and Becky both chose for their kids, with exactly why and how they set it up
What to do if you're not financially stable yet, because there are still free, low-cost ways to start

This week's homework: If you're not stable yet, open a high-yield savings account in your kid's name and funnel birthday and holiday money into it, or just start building money habits at home. If you are stable, pick the ONE account that fits your family, not your friend's seven accounts on Instagram.
Want to ask Alex which account makes sense for YOUR family? Our Patreon members get direct access to her on Discord to ask anything → patreon.com/beckyhayter
Because money is emotional, and you deserve to feel safe with it. Love you, mean it.
Try Fidelity: https://fidelity.app.link/e/zN0pCpYeUZb
Try Monarch: Get 50% off your first year → https://monarch.com/referral/ey3kkk8c7e
Connect with us:
Join the Live Therapy: Support the show and join our monthly live Q&As at patreon.com/beckyhayter.
Share your story: Email us at [email protected] to have your financial scenario featured on the show!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Trigger Warning: This episode contains detailed descriptions of domestic violence, physical abuse, emotional abuse, and coercive control.
Lauren spent four years inside a relationship that cost her almost everything — her safety, her money, her freedom, and pieces of herself she's still recovering. She left with a one-year-old son, no car, and nowhere to go. What happened next wasn't a clean start. It was a slow, unsteady crawl back toward a life that actually looked like her.
This is what surviving looks like when it isn't pretty.
Don’t forget to subscribe, like, and share to help us continue bringing these stories to light.
🔹 New episodes drop every Monday!
🔹 Join our community! patreon.com/beckyhayter
🔹 Follow us on Instagram: @forthehayters
🔹 Submit your story: [email protected]
🔹 Grab some merch! beckyhayter.com
🔹 A KILLR Network podcast! killrentertainment.com

If you or someone you know needs support, please visit:
988 Suicide & Crisis Lifeline: 988lifeline.org | Call or text 988
See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Every time someone mentions a Roth IRA, do you nod along and then immediately Google it the second they walk away? Same. In this episode, Becky admits she still isn't totally sure what she has or doesn't have when it comes to retirement accounts, and Alex breaks it all down without making anyone feel behind.
The Solution
What a Roth IRA actually is and why Alex is obsessed with it (hint: the government doesn't get a cut)
The difference between a Roth and a traditional account, explained in a way that finally makes sense
Why just opening the account isn't enough and the one step most beginners skip
HSAs: the triple tax advantage account that most people scroll past during open enrollment
FSA vs. HSA, because yes, they are very different and one of them disappears if you don't use it
The income limits, contribution limits, and the deadline most people don't know exists

This week's homework: Check your emergency fund, peek at your retirement accounts, and spend ten minutes learning one financial concept you've been avoiding. That's it. That's the whole assignment.
Want to ask Alex your specific 401(k) questions live? Join us May 14th at 6pm in our Wallet Therapy Live session on Patreon → patreon.com/beckyhater
Try Fidelity: https://fidelity.app.link/e/zN0pCpYeUZb
Try Monarch: Get 50% off your first year → https://monarch.com/referral/ey3kkk8c7e
Connect with us:
Join the Live Therapy: Support the show and join our monthly live Q&As at patreon.com/beckyhayter.
Share your story: Email us at [email protected] to have your financial scenario featured on the show!
See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

TW: Infertility, pregnancy loss references, birth trauma, body image, postpartum hemorrhage, medical trauma.
One in six people will experience infertility and most of them will do it in silence. Gel did two rounds of IVF through a global pandemic, went to every appointment alone, gave birth with her husband waiting outside the building, and spent two and a half years not recognizing her own body. She's finally talking about it.

Don’t forget to subscribe, like, and share to help us continue bringing these stories to light.
🔹 New episodes drop every Monday!
🔹 Join our community! patreon.com/beckyhayter
🔹 Follow us on Instagram: @forthehayters
🔹 Submit your story: [email protected]
🔹 Grab some merch! beckyhayter.com
🔹 A KILLR Network podcast! killrentertainment.com

If you or someone you know needs support, please visit:
988 Suicide & Crisis Lifeline: 988lifeline.org | Call or text 988
See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

TW: heart failure, near-death/flatline, suicide loss, domestic abuse, depression.
At three months old, Bree was given six months to live. She's 49 now — the only one left from a group of kids born with the same heart condition. We talk about being a "miracle baby" with the weight of that title, grieving the version of yourself you used to be, and the difference between existing and actually living.
Don’t forget to subscribe, like, and share to help us continue bringing these stories to light.
🔹 New episodes drop every Monday!
🔹 Join our community! patreon.com/beckyhayter
🔹 Follow us on Instagram: @forthehayters
🔹 Submit your story: [email protected]
🔹 Grab some merch! beckyhayter.com
🔹 A KILLR Network podcast! killrentertainment.com

If you or someone you know needs support, please visit:
988 Suicide & Crisis Lifeline: 988lifeline.org | Call or text 988
See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.