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Financial Fitness with The Money Doctor with Frances Rahaim PhD
BBS Radio, BBS Network Inc.
20 episodes
1 week ago
Financial Fitness with The Money Doctor is a weekly, hour-long National radio show devoted to helping individuals and small business owners better understand their finances and the psychology involved in why we make the decisions we do, how it affects our relationships, our sense of self-worth, and most importantly what we have the power to DO about it! Even prior to this current, highly timely expansion including with BBS Radio TV, which is syndicated to every major audio portal on the world wide web (150 locations reaching every corner of the world), including iHeart, Google, Apple, Amazon, Alexa, etc..., the show enjoyed long-term success in Western MA, Southern VT and NH on WHMP, WHAI, BEAR Country and other SAGA stations, with Dr. Rahaim as a sought-after guest and contributor on News and other talk programs. Dr. Frances Rahaim's loyal audience loves her no-nonsense, diplomatic, if sometimes controversial approach to helping sort out difficult issues surrounding effective debt management, successful budgeting, and truly holistic retirement planning and beyond. She has an uncanny ability to translate financial jargon and confusing topics into every-day easy language, engaging her listeners and disarming the stigma around talking openly about money. Rahaim, and her cohost Jess Tyler, Program Director/Morning Show Host WHMP Northampton, banter passionately about real-life, everyday money matters. Nothing is off limits! College, student loan crisis, 401k dos and don'ts, marriage, divorce, insurance, going solar, buying a car, starting a business, you name it. It's all fair game -- political, economic, and social topics that affect us all, and ALWAYS, what you can DO to give yourself the edge. In 2008 Rahaim started PowerDownDebt, Inc. right in the middle of the housing bubble. Four years later, she formed HUG Your Student Debt, Inc. to address the crisis not only for students but for parents struggling to retire under the weight of their children's and often their own college loans still. At 43, with 20 years of experience as an Independent Broker / Registered Investment Advisor, Frances developed a way to address the elephant in the retirement room - becoming 100% debt-free including mortgage, student loans, credit cards, every type of debt, has broad reaching effects on RETIREMENT! Nest-eggs grow faster and last longer without the burden of debt. Today, Dr. Rahaim's fully dynamic HUG Your MoneyTM software is patented, and she is continuously working on new developments and financial tools to help the public. What led a top Investment professional to shift her focus toward debt? $10,800 monthly going out in mortgages and business loans, throwing extra money at it and still no real light at the end of the tunnel. In solving her own problem, she found the missing link to retirement planning - the one thing no advisor wants to talk about. The key element that changes everything you THOUGHT you knew about retirement -- liabilities. Now, financial advisors train with her to utilize this path to retirement dollars and help clients, even ones who thought the ship had sailed, get a second chance to reach their goals. Frances doesn't just talk the talk, she LIVED this stuff and her listeners get that. They FEEL it! Their comfort level with her non-judgemental approach and down-to-earth demeanor invites questions you never thought you'd hear anyone admit to or ask on the air! Whether her listeners are interacting or listening in on their neighbors' stories, this lively show holds their interest and fosters a loyalty rarely found in radio. Part financial, part domestic, part political, part entertainment, always ear-opening, informative and pragmatic.
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Investing
Education,
Business
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All content for Financial Fitness with The Money Doctor with Frances Rahaim PhD is the property of BBS Radio, BBS Network Inc. and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
Financial Fitness with The Money Doctor is a weekly, hour-long National radio show devoted to helping individuals and small business owners better understand their finances and the psychology involved in why we make the decisions we do, how it affects our relationships, our sense of self-worth, and most importantly what we have the power to DO about it! Even prior to this current, highly timely expansion including with BBS Radio TV, which is syndicated to every major audio portal on the world wide web (150 locations reaching every corner of the world), including iHeart, Google, Apple, Amazon, Alexa, etc..., the show enjoyed long-term success in Western MA, Southern VT and NH on WHMP, WHAI, BEAR Country and other SAGA stations, with Dr. Rahaim as a sought-after guest and contributor on News and other talk programs. Dr. Frances Rahaim's loyal audience loves her no-nonsense, diplomatic, if sometimes controversial approach to helping sort out difficult issues surrounding effective debt management, successful budgeting, and truly holistic retirement planning and beyond. She has an uncanny ability to translate financial jargon and confusing topics into every-day easy language, engaging her listeners and disarming the stigma around talking openly about money. Rahaim, and her cohost Jess Tyler, Program Director/Morning Show Host WHMP Northampton, banter passionately about real-life, everyday money matters. Nothing is off limits! College, student loan crisis, 401k dos and don'ts, marriage, divorce, insurance, going solar, buying a car, starting a business, you name it. It's all fair game -- political, economic, and social topics that affect us all, and ALWAYS, what you can DO to give yourself the edge. In 2008 Rahaim started PowerDownDebt, Inc. right in the middle of the housing bubble. Four years later, she formed HUG Your Student Debt, Inc. to address the crisis not only for students but for parents struggling to retire under the weight of their children's and often their own college loans still. At 43, with 20 years of experience as an Independent Broker / Registered Investment Advisor, Frances developed a way to address the elephant in the retirement room - becoming 100% debt-free including mortgage, student loans, credit cards, every type of debt, has broad reaching effects on RETIREMENT! Nest-eggs grow faster and last longer without the burden of debt. Today, Dr. Rahaim's fully dynamic HUG Your MoneyTM software is patented, and she is continuously working on new developments and financial tools to help the public. What led a top Investment professional to shift her focus toward debt? $10,800 monthly going out in mortgages and business loans, throwing extra money at it and still no real light at the end of the tunnel. In solving her own problem, she found the missing link to retirement planning - the one thing no advisor wants to talk about. The key element that changes everything you THOUGHT you knew about retirement -- liabilities. Now, financial advisors train with her to utilize this path to retirement dollars and help clients, even ones who thought the ship had sailed, get a second chance to reach their goals. Frances doesn't just talk the talk, she LIVED this stuff and her listeners get that. They FEEL it! Their comfort level with her non-judgemental approach and down-to-earth demeanor invites questions you never thought you'd hear anyone admit to or ask on the air! Whether her listeners are interacting or listening in on their neighbors' stories, this lively show holds their interest and fosters a loyalty rarely found in radio. Part financial, part domestic, part political, part entertainment, always ear-opening, informative and pragmatic.
Show more...
Investing
Education,
Business
Episodes (19/20)
Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness with The Money Doctor, December 28, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor", Dr. Alexander Kucherov, Affording Fertility Treatment, full hour special! Watch the full, uncut hour of conversation between Dr. Frances Rahaim — The Money Doctor — and Dr. Kucherov from Illume Fertility. Together they unpack the real-life challenges families face when balancing fertility treatments and financial planning. Learn how knowledge, timing, and transparency can bring both clarity and calm to one of life’s most important decisions.
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2 weeks ago
1 hour 3 minutes 39 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, December 7, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor", Untangling Holiday Money Stress - 4 Kinds of Stuck Holiday spending has a way of bringing financial stress right to the surface. In this episode of Financial Fitness with The Money Doctor, Frances Rahaim, Ph.D., breaks down the Four Levels of “Stuck” that people fall into when their money feels tight — from a simple “GPS recalculating” moment all the way to a full “couch stuck in the doorway” crisis. You’ll hear practical, judgment-free guidance for: - people who are doing fine but want to do things smarter, - people who are a little stuck and need small course corrections, - people who feel buried by minimum payments, - and people who are so overwhelmed they’re considering bankruptcy. You’ll also hear a real-life story of a business owner who made “too much” to qualify for bankruptcy — and still used the HUG Your Money™ system to get completely debt-free in about five years. This holiday season, don’t stress alone. There is a way forward — and it starts at HugYourMoney.com. Learn more at HugYourMoney.com
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1 month ago
59 minutes 56 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, November 30, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" Financial Fitness - Un-Marrying. Part 2, Preparing Properly In Part 2, we dig into the money mechanics: child support frameworks, why “equal” isn’t always “equitable,” the limits of forms (like sworn financial statements), and when to bring in a financial pro so the court hears the whole story. Highlights Child support: what the calculator does—and what it misses “Equal” vs. “Equitable”: telling your story so it’s fair in practice Forms ≠ life: why numbers need context (debts, resources, housing) When expert input (financial/planning) helps the court avoid errors
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1 month ago
1 hour 55 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, November 23, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor", Un-Marrying. Part 1, The Money Math that Matters Family law + finances without the fear factor. In Part 1, Dr. Frances Rahaim (“The Money Doctor”) and attorney Christopher Anderson (New Leaf Family) unpack why divorce gets so emotional, what “counselor at law” really means, and how to start with a clear vision of your future before tackling forms, formulas, and dollars. What you’ll learn - Why legal titles/intimidation get in the way—and how to get past it - “Counselor at law”: the human side of family law - The Polaris approach: define your future before you negotiate - How emotions hijack financial decisions—and how to slow them down
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1 month ago
1 hour 2 minutes 30 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, November 16, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" HUG – Growth with a Heart How do you grow something good… something personal… without losing the very thing that makes it work? In this episode, Dr. Frances Rahaim — The Money Doctor — shares how HUG Your Money™ is scaling up while keeping its heart firmly in place. From real-world examples of companies that grew with integrity to the story behind HUG’s own expansion and the role of Dr. FinWell, this conversation explores how growth and empathy can coexist. Learn how HUG continues to offer private, judgment-free financial wellness for individuals, schools, and employers — one person, one plan, and one future at a time. Segments include: -Scaling without losing connection -Companies that grew well (and those that didn’t) -Why financial wellness must stay personal -The story behind Dr. FinWell and how privacy builds trust -How HUG is growing the right way — the human way Listen to more episodes: YouTube.com/@HugYourMoney Learn more at HugYourMoney.com
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1 month ago
30 minutes

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, November 9, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" Mortgage Secrets and Strategies (part 2) with guests Angela Tourville and Mike Tourville from Annie Mac Mortgage Part 2 of 2 - Think you know about mortgages and home buying? What's recasting? When do points make sense? Will your bank put cash up front with your offer? Test your mortgage IQ against special guests Angela Tourville and Mike Tourville from Annie Mac Mortgage. Learn creative solutions and strategies you may never have heard anywhere else!
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2 months ago
29 minutes

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, November 2, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" Mortgage Secrets and Strategies Think you know about mortgages and home buying? What's recasting? When do points make sense? Will your bank put cash up front with your offer? Test your mortgage IQ against special guests Angela Tourville and Mike Tourville from Annie Mac Mortgage. Learn creative solutions and strategies you may never have heard anywhere else!
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2 months ago
1 hour 1 minute 15 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, October 26, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" Dr. Alexander Kucherov, Affording Fertility Treatment, part 2 of 2 The conversation continues as Dr. Frances Rahaim and Dr. Kucherov dive deeper into treatment options, emotional resilience, and strategies for managing fertility costs without sacrificing future goals. This second half brings practical insight and hope to anyone navigating the intersection of fertility and finance.
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2 months ago
1 hour 4 minutes 46 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, October 19, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" Dr. Alexander Kucherov Affording Fertility Treatment Part 1 of 2 In part 1 of this 2 parter, Dr. Frances Rahaim — The Money Doctor — welcomes back Dr. Kucherov from Illume Fertility to talk about the emotional, medical, and financial sides of family building. Together they explore treatment timelines, realistic expectations, and how proactive financial planning can make parenthood dreams feel achievable instead of overwhelming.
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2 months ago
32 minutes 3 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, October 12, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" MTRS, Protecting Your Retirement Must Do's and Don'ts In this episode of Financial Fitness with The Money Doctor, Dr. Frances Rahaim takes a clear, high-road look at the Massachusetts Teachers’ Retirement System (MTRS) — what it offers, what it doesn’t, and how to stay safe when seeking advice about your pension. You’ll learn: -How MTRS actually works and why it’s a defined-benefit plan, not an investment account. -What the law says MTRS cannot do — including selling or endorsing products. -How look-alike “teacher retirement” sites can mislead even savvy educators. -Questions to ask any advisor before you make a change. Even if you’re not in Massachusetts, most state plans run on the same principles — so this episode is a must-listen for educators nationwide.
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3 months ago
59 minutes 42 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, October 5, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" Guest, Joy Slabaugh - Money Mindset part 2 of 2 - In this part 2 of 2, Dr. Frances Rahaim — The Money Doctor — sits down with Joy Slabaugh, therapist and former CFP, to uncover the powerful lessons behind her financial journey. The conversation continues in the second half of our 2 part series with Joy Slabaugh. Together with Dr. Frances Rahaim, Joy dives deeper into overcoming financial stress, staying motivated, and setting the stage for a secure retirement. You’ll hear practical takeaways, real examples, and encouragement to take the next step toward your own financial freedom.
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3 months ago
58 minutes 29 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, September 28, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" Guest, Joy Slabaugh - Money Mindset part 1 of 2 In this part 1 of 2, Dr. Frances Rahaim — The Money Doctor — sits down with Joy Slabaugh, therapist and former CFP, to uncover the powerful lessons behind her financial journey. Joy shares candid stories about navigating debt, managing household money decisions, and the importance of planning ahead with confidence. This episode highlights the emotional side of money and the real strategies that make financial wellness possible for everyone.
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3 months ago
58 minutes 9 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, September 21, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" Navigating Fertility with Dr. Alexander Kucherov of Illume In this episode of Financial Fitness with The Money Doctor, Dr. Alexander Kucherov—board-certified reproductive endocrinologist at Illume Fertility—joins us to demystify the fertility journey for individuals and couples of all kinds. We begin with a brief look into Dr. Kucherov’s personal experience as both doctor and patient, then dive into practical guidance on navigating fertility care—from lifestyle changes to advanced treatments like IVF. Whether you're in a same-sex or heterosexual relationship, just starting out or already facing challenges, Dr. Kucherov offers clarity on what to expect, how to access financial assistance, and how to work with insurance to make fertility care more affordable and less overwhelming.
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3 months ago
59 minutes 12 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, September 7, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" Pablo, the Pirate Cat - Behind the Scenes with Jay Deane! Pablo, the Pirate Cat teaches kids about money matters straight from his pirate cove with the engaging voice narration by Jay Deane and Dr. FinWell. Kids will learn without feeling lectured to. There's even a fun pirate cat theme song to sing along with and learn! Spend, Save, Share. Just the beginning of Pablo's wisdom :).
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4 months ago
59 minutes 38 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, August 24, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" 22 Years. Thousands Fed. The Story Behind the North Quabbin Food-A-Thon | Jay Deane Interview For over two decades, the North Quabbin Food-A-Thon has united our small towns in a big way—feeding thousands and funding local food pantries through the power of community. In this special episode of Financial Fitness with The Money Doctor, Frances Rahaim sits down with longtime radio voice Jay Deane, a Food-A-Thon organizer from day one, to explore the heartwarming history and local impact of this extraordinary event. Hear how it all began, discover who benefits and how funds are used, find out how you can help this year!
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4 months ago
57 minutes 59 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, August 17, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" Level Up Your Money Ready to make your money work for you? In this special Financial Fitness with The Money Doctor episode for 11–15 year olds, Dr. Frances Rahaim, Ph.D. (aka The Money Doctor) breaks down fun, real-world ways to save, earn, and spend smarter—without boring lectures. Plus… meet Pablo the Pirate Cat, your mischievous (and very wise) sidekick who’s here to help you level up your financial game.
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4 months ago
58 minutes

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, August 10, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" Financial Fitness With Pablo The Pirate Cat Set sail on a playful pirate adventure that teaches kids where money comes from, why it matters, and how to make smart choices—without lectures or complex math! In this episode of Financial Fitness with The Money Doctor, Dr. Frances Rahaim introduces Pablo the Pirate and his colorful treasure map to explain: * Where money really comes from * What interest is (and how it works for you—or against you!) * What allowance means and how to use it wisely * How to make a simple budget (save, spend, share!) * And how financial choices can grow into lifelong habits. It’s a fun, friendly way to spark money confidence early—using imagination, visuals, and just the right dose of pirate charm. Perfect for parents, educators, and anyone who wants to raise financially savvy kids! Great for ages 6–10, Classroom-friendly, Hosted by Frances Rahaim, Ph.D. and Pablo the Pirate Cat.
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5 months ago
58 minutes 1 second

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, July 27, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" Car Game Explained: Beat the System and Drive Smarter - Keeping Up, Burning Out, and Taking Back Control Wondering whether to lease, buy new, or buy used? You’re not alone. In this episode of *Financial Fitness with The Money Doctor*, Dr. Frances Rahaim breaks down the real costs — and the hidden opportunities — behind your next car decision. Learn: What leasing really costs (with Massachusetts sales tax!) The smart way to compare used vs. new How GAP insurance can save — or cost — you Why it’s not just about the car… it’s about your whole financial picture
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5 months ago
58 minutes 1 second

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness With The Money Doctor, July 6, 2025
Financial Fitness With The Money Doctor with Frances Rahaim, Ph.D. "The Money Doctor" Trump, FED and Debt - How it Impacts Your Wallet Wondering how Trump’s policies, the Federal Reserve, and America’s growing debt impact you? In this episode of Financial Fitness with The Money Doctor, Dr. Frances Rahaim breaks down what rate cuts, debt ceilings, and economic shifts really mean for your wallet—and your future. Clear. Simple. No politics—just the facts. Learn more at HugYourMoney.com
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6 months ago
58 minutes 59 seconds

Financial Fitness with The Money Doctor with Frances Rahaim PhD
Financial Fitness with The Money Doctor is a weekly, hour-long National radio show devoted to helping individuals and small business owners better understand their finances and the psychology involved in why we make the decisions we do, how it affects our relationships, our sense of self-worth, and most importantly what we have the power to DO about it! Even prior to this current, highly timely expansion including with BBS Radio TV, which is syndicated to every major audio portal on the world wide web (150 locations reaching every corner of the world), including iHeart, Google, Apple, Amazon, Alexa, etc..., the show enjoyed long-term success in Western MA, Southern VT and NH on WHMP, WHAI, BEAR Country and other SAGA stations, with Dr. Rahaim as a sought-after guest and contributor on News and other talk programs. Dr. Frances Rahaim's loyal audience loves her no-nonsense, diplomatic, if sometimes controversial approach to helping sort out difficult issues surrounding effective debt management, successful budgeting, and truly holistic retirement planning and beyond. She has an uncanny ability to translate financial jargon and confusing topics into every-day easy language, engaging her listeners and disarming the stigma around talking openly about money. Rahaim, and her cohost Jess Tyler, Program Director/Morning Show Host WHMP Northampton, banter passionately about real-life, everyday money matters. Nothing is off limits! College, student loan crisis, 401k dos and don'ts, marriage, divorce, insurance, going solar, buying a car, starting a business, you name it. It's all fair game -- political, economic, and social topics that affect us all, and ALWAYS, what you can DO to give yourself the edge. In 2008 Rahaim started PowerDownDebt, Inc. right in the middle of the housing bubble. Four years later, she formed HUG Your Student Debt, Inc. to address the crisis not only for students but for parents struggling to retire under the weight of their children's and often their own college loans still. At 43, with 20 years of experience as an Independent Broker / Registered Investment Advisor, Frances developed a way to address the elephant in the retirement room - becoming 100% debt-free including mortgage, student loans, credit cards, every type of debt, has broad reaching effects on RETIREMENT! Nest-eggs grow faster and last longer without the burden of debt. Today, Dr. Rahaim's fully dynamic HUG Your MoneyTM software is patented, and she is continuously working on new developments and financial tools to help the public. What led a top Investment professional to shift her focus toward debt? $10,800 monthly going out in mortgages and business loans, throwing extra money at it and still no real light at the end of the tunnel. In solving her own problem, she found the missing link to retirement planning - the one thing no advisor wants to talk about. The key element that changes everything you THOUGHT you knew about retirement -- liabilities. Now, financial advisors train with her to utilize this path to retirement dollars and help clients, even ones who thought the ship had sailed, get a second chance to reach their goals. Frances doesn't just talk the talk, she LIVED this stuff and her listeners get that. They FEEL it! Their comfort level with her non-judgemental approach and down-to-earth demeanor invites questions you never thought you'd hear anyone admit to or ask on the air! Whether her listeners are interacting or listening in on their neighbors' stories, this lively show holds their interest and fosters a loyalty rarely found in radio. Part financial, part domestic, part political, part entertainment, always ear-opening, informative and pragmatic.