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It's Adulting 101.

This podcast is focused on everything you *should* learn in school - but likely didn't. What EXACTLY is a deducible? How does insurance ACTUALLY work? What is the difference between a defined-benefit and defined-contribution plan? What does a good job offer look like? How do I negotiate a job?

We'll cover these topics AND more. We'll break down complicated concepts with industry professionals - you know, like what are the differences between a HMO, PPO, and HSA?

Discover more about the Next Step Program here.

Get the book here!

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In this episode, Nikki interviews Brett Caviness, a University of Northern Iowa graduate and award-winning real estate agent in California, about forging a path from small-town Iowa to the Silicon Valley. Brett advises students not to overthink relocation, to secure a job before housing, budget carefully for cost-of-living, watch for rental scams, and treat moves as non-permanent decisions.

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