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Two Cents

PBS Digital Studios and the producers of It’s Okay to Be Smart bring you TWO CENTS, a new weekly series about personal finance for millennials and Gen Z.

Are You Being Charged More Than Everyone Else?

8m 20s

If you want to participate in modern society, you probably have to click "I agree" at least a dozen times a month, and the idea that any of us would or could actually read all the Terms and Conditions is ludicrous. If you actually read the terms, you'll find that you don't actually "own" the thing you "buy"… you're just getting a license–or permission to use it–in certain, limited ways.

Episodes

  • Are You Being Charged More Than Everyone Else?: asset-mezzanine-16x9

    Are You Being Charged More Than Everyone Else?

    S6 E15 - 8m 20s

    If you want to participate in modern society, you probably have to click "I agree" at least a dozen times a month, and the idea that any of us would or could actually read all the Terms and Conditions is ludicrous. If you actually read the terms, you'll find that you don't actually "own" the thing you "buy"… you're just getting a license–or permission to use it–in certain, limited ways.

  • Do You Really Own the Stuff You Buy?: asset-mezzanine-16x9

    Do You Really Own the Stuff You Buy?

    S6 E14 - 8m 24s

    Let's say you and your friend meet at a café on a hot day. Your friend drove in their air conditioned car, while you decided to get some exercise and bike the three miles. You show up sweaty and out of breath, and you both order an ice cold lemonade. The waiter takes one look at you and informs you that the lemonade will cost twice as much for you as it will for your friend. Pretty unfair, right?

  • Are Millennials Finally Doing Okay?: asset-mezzanine-16x9

    Are Millennials Finally Doing Okay?

    S6 E13 - 7m 10s

    The 2016 data looked pretty grim for Millennials. Not only had they accumulated less wealth than Gen Xers and Boomers at similar points in their lives, they were earning less income, had a lower rate of homeownership, and were delaying big life milestones like marriage and kids. But by 2019, the median Millennial household was making around $10,000 more previous generations did at the same age.

  • Unions Are Trending...and ENDING?: asset-mezzanine-16x9

    Unions Are Trending...and ENDING?

    S6 E12 - 7m 50s

    Unions seem to be having a bit of a moment. You may have heard about the successes of organizers at Amazon warehouses or Starbucks coffee shops–places that historically have been very difficult to unionize. President Joe Biden has promised to be the "most pro-union president … in American history." And the WGA & SAG have made agreements with the mega streaming companies.

  • Is Your Money Safe in a Bank?: asset-mezzanine-16x9

    Is Your Money Safe in a Bank?

    S6 E11 - 5m 52s

    48% of Americans report feeling moderately to very concerned about the safety of their money they have in financial institutions. Due to bank failures, people have become worried that they might wake up and see the name of their bank on the news. So how do you protect your hard earned money during times like these?

  • Should I Lease a Car?: asset-mezzanine-16x9

    Should I Lease a Car?

    S6 E10 - 7m 1s

    The fundamental misconception about car leases is that they work like other rental agreements, like for apartments or furniture. They don't. Cars are a unique asset for one ugly reason: depreciation. Nothing costs so much yet loses value so fast as a car and lease agreements are designed to account for that. So is leasing a car worth it? Let’s run the numbers!

  • Are Home Improvements a Good Investment?: asset-mezzanine-16x9

    Are Home Improvements a Good Investment?

    S6 E6 - 7m 36s

    Home improvement industry is worth about 333 BILLION dollars and it’s expected to grow to over 500 billion by 2028. So, what sort of improvements really give you the most bang for your buck?

  • Should You Avoid HOAs?: asset-mezzanine-16x9

    Should You Avoid HOAs?

    S6 E9 - 6m 58s

    HOA, or Homeowner's Association is a self-governing board that oversees a community of homeowners, whether in single-family homes, townhouses, or condos. HOAs are funded by monthly dues collected from all members, and exist to keep property values high. The main ways they do this are by offering amenities and enforcing restrictions. Well sometimes restrictions can restrict your way of life.

  • How Expensive Is It to Be an Immigrant?: asset-mezzanine-16x9

    How Expensive Is It to Be an Immigrant?

    S6 E8 - 6m 15s

    Each year almost a million people from around the world immigrate to the US in search of a better future. But one thing that first generation Americans find out pretty quickly is that immigration can come with a bunch of unexpected costs.

  • How Money Created Math: asset-mezzanine-16x9

    How Money Created Math

    S6 E7 - 7m 14s

    A common complaint that math teachers hear is, "When am I going to need this in the real world?" When you're sitting in algebra class, it's easy to feel like it's all theoretical–a bunch of imaginary numbers and rules dreamed up by philosophers trying to prove to each other how smart they were. But the origins of math are deeply practical. So how did Money create Math?

  • Are Buy Now Pay Later Loans a Good Idea?: asset-mezzanine-16x9

    Are Buy Now Pay Later Loans a Good Idea?

    S6 E5 - 7m 1s

    Buy Now Pay Later loans are one the hottest new trends in the world of financial technology, touted as a less risky alternative to credit cards. Using one of several major apps, you're only asked for a fraction of the price at the point of sale, and the rest is paid off in a few biweekly installments. Sounds too good to be true - that's because it is!

  • The Hidden Costs of Fast Fashion!: asset-mezzanine-16x9

    The Hidden Costs of Fast Fashion!

    S6 E4 - 7m 48s

    Critics of fast fashion have long detailed the industry’s environmental costs and unsavory labor practices. But Americans still spend an average of $1,700 per year on cheap new clothes. So how did fashion start cycling through our wardrobes and our wallets so fast?

Extras + Features

  • Welcome to Two Cents!: asset-mezzanine-16x9

    Welcome to Two Cents!

    45s

    PBS Digital Studios and the producers of It’s Okay to Be Smart bring you TWO CENTS, a weekly series about personal finance for millennials and Gen Z.

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