On this week's Ask Farnoosh Friday, we're tackling five thoughtful listener questions that touch on everything from career transitions and combining finances as a couple to insurance, retirement accounts, and planning for the future.Before we dive into the mailbag, I also share a few headlines that caught my attention this week—including a fascinating new trend in prenups designed to protect stay-at-home parents, California's latest move to make personal finance a graduation requirement, and a New York Times article about the money frustrations that seem uniquely American (plus a few of my own!). And yes...<a href="https://www.youtube.com/@SoMoneywithFarnoosh" rel="noopener noreferrer" target="_blank">So Money is officially on YouTube.</a><h3>In this episode:</h3><ul><li>Why you shouldn't feel guilty quietly job hunting before you have an offer</li><li>The best way to leave an employer professionally while protecting your own career</li><li>How couples can combine finances without sacrificing independence</li><li>Why "fair" doesn't always mean splitting expenses 50/50</li><li>My favorite three-account system for couples</li><li>The insurance policies every young professional should prioritize—and which ones can probably wait</li><li>Why your ability to earn an income may be your greatest financial asset</li><li>When to start thinking seriously about long-term care insurance</li><li>How to prepare for future caregiving conversations with your parents</li><li>What to do with an old, empty 401(k) account after your employer changes retirement providers</li><li>Why cybersecurity deserves a place in every annual financial checkup</li></ul><h3>Also in the news:</h3><ul><li>A new prenup trend: More couples are adding "leave the workforce" clauses to protect spouses who pause their careers to raise children or provide care, recognizing the real financial cost of unpaid caregiving.</li><li>Money annoyances in America: Inspired by a New York Times article from Ron Lieber and Tara Siegel Bernard, I share my own biggest financial pet peeves—from managing kids' allowance to credit card surcharges and New Jersey property taxes.</li><li>Financial literacy gains momentum: California becomes the 26th state to require a standalone personal finance course for high school graduation, signaling a major shift in how we prepare young people for adulthood.</li></ul><h3>Resources & Mentions</h3><ul><li>So Money is now on YouTube</li><li>Columbia Journalism Review's feature on <a href="https://www.cjr.org/local_news/hyperlocal-listening-montclair-pod-new-jersey-podcast-torabi-schreiber-sherrill.php" rel="noopener noreferrer" target="_blank">The Montclair Pod</a></li><li><a href="https://www.wsj.com/personal-finance/prenup-stay-at-home-parents-4b149dba?eafs_enabled=false" rel="noopener noreferrer" target="_blank">Wall Street Journal </a>reporting on caregiving clauses in prenups</li><li>New York Times article: "<a href="https://www.nytimes.com/2026/07/04/your-money/american-taxes-tipping-loans-money.html?eafs_enabled=false" rel="noopener noreferrer" target="_blank">6 Things That Drive Us Crazy About Money in America</a>" by Ron Lieber and Tara Siegel Bernard</li></ul><h3>Have a question for the show?</h3>Send your question for a future Ask Farnoosh Friday! If it's on your mind, chances are thousands of other listeners are wondering the same thing. You can email me, leave a voicemail, or connect with me on <a href="http://www.instagram.com/farnooshtorabi" rel="noopener noreferrer" target="_blank">Instagram</a>.If you enjoyed this episode, please subscribe, leave a review, and share it with a friend. It helps more people discover the show—and build richer, more confident financial lives.Learn more about Farnoosh's upcoming literary workshop <a href="http://booktobrand.co" rel="noopener noreferrer" target="_blank">Book to Brand.</a> Early bird registration is now open!

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2010: Ask Farnoosh: What Annoys Me Most About Money? (Plus: Disability Insurance and Long-Term Care 101)

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