Personal Finance for PhDs
@pfforphds.bsky.social
Dr. Emily Roberts, financial educator specializing in US graduate students, postdocs, and early-career PhDs #personalfinance #PhD https://linktr.ee/pfforphds
Reposted by Personal Finance for PhDs
This year in march i did an interview with @pfforphds.bsky.social and gave my insight on how to navigate graduate school financially.
You can listen to the podcast episode here- pfforphds.com/increasing-i...
You can listen to the podcast episode here- pfforphds.com/increasing-i...
Increasing Income and Giving Back as an International Grad Student - Personal Finance for PhDs
In this episode, Emily interviews Snehanjana Chatterjee, a 3rd-year international graduate student at Texas Tech. Snehanjana recounts her financial journey over the past few years, from how she funded...
pfforphds.com
September 23, 2025 at 1:44 AM
This year in march i did an interview with @pfforphds.bsky.social and gave my insight on how to navigate graduate school financially.
You can listen to the podcast episode here- pfforphds.com/increasing-i...
You can listen to the podcast episode here- pfforphds.com/increasing-i...
Reposted by Personal Finance for PhDs
I was interviewed by @pfforphds.bsky.social. I had a great time chatting to Emily and mentioned my regrets for some of the negotiations I have made. That is why I enjoy providing my workshops on how to successfully negotiate so that you don't make the mistakes I did!
www.youtube.com/watch?v=RN8T...
www.youtube.com/watch?v=RN8T...
How to Negotiate Your Salary Post PhD
YouTube video by Personal Finance for PhDs
www.youtube.com
September 8, 2025 at 10:39 PM
I was interviewed by @pfforphds.bsky.social. I had a great time chatting to Emily and mentioned my regrets for some of the negotiations I have made. That is why I enjoy providing my workshops on how to successfully negotiate so that you don't make the mistakes I did!
www.youtube.com/watch?v=RN8T...
www.youtube.com/watch?v=RN8T...
Kinda weird question but is there such a thing as a publicist for academia?
Not a publicist for academics but for people like me who serve people within academia.
I'm interested in raising my profile in different ways than I've done in the past, e.g., contributing articles, media.
Not a publicist for academics but for people like me who serve people within academia.
I'm interested in raising my profile in different ways than I've done in the past, e.g., contributing articles, media.
June 26, 2025 at 4:51 PM
Kinda weird question but is there such a thing as a publicist for academia?
Not a publicist for academics but for people like me who serve people within academia.
I'm interested in raising my profile in different ways than I've done in the past, e.g., contributing articles, media.
Not a publicist for academics but for people like me who serve people within academia.
I'm interested in raising my profile in different ways than I've done in the past, e.g., contributing articles, media.
I'm signing into my National Postdoctoral Association SmartSkills webinar now!
Join if you're a member and want to set an optimal financial goal!
Join if you're a member and want to set an optimal financial goal!
June 24, 2025 at 6:44 PM
I'm signing into my National Postdoctoral Association SmartSkills webinar now!
Join if you're a member and want to set an optimal financial goal!
Join if you're a member and want to set an optimal financial goal!
I just received my first workshop booking for the 2025-2026 academic year—during Postdoc Appreciation Week!
(I'm VERY relieved that some of my clients are able to continue working with me.)
(I'm VERY relieved that some of my clients are able to continue working with me.)
June 19, 2025 at 12:53 AM
I just received my first workshop booking for the 2025-2026 academic year—during Postdoc Appreciation Week!
(I'm VERY relieved that some of my clients are able to continue working with me.)
(I'm VERY relieved that some of my clients are able to continue working with me.)
Reposted by Personal Finance for PhDs
Today, NSF added another 500 GRFP awardees, bringing this year’s total to 1500
www.research.gov/grfp/Awardee...
www.research.gov/grfp/Awardee...
June 13, 2025 at 3:43 PM
Today, NSF added another 500 GRFP awardees, bringing this year’s total to 1500
www.research.gov/grfp/Awardee...
www.research.gov/grfp/Awardee...
What's your favorite 'grad school guide' from a university/scholarly press?
e.g., Grad School Life: Surviving and Thriving Beyond Coursework and Research by Jacqueline M. Kory-Westlund
e.g., Grad School Life: Surviving and Thriving Beyond Coursework and Research by Jacqueline M. Kory-Westlund
June 5, 2025 at 8:42 PM
What's your favorite 'grad school guide' from a university/scholarly press?
e.g., Grad School Life: Surviving and Thriving Beyond Coursework and Research by Jacqueline M. Kory-Westlund
e.g., Grad School Life: Surviving and Thriving Beyond Coursework and Research by Jacqueline M. Kory-Westlund
Enter for a chance to win the money book I WISH I had read in grad school (it's about way more than money).
pfforphds.com/BookGiveaway/
pfforphds.com/BookGiveaway/
June 5, 2025 at 8:39 PM
Enter for a chance to win the money book I WISH I had read in grad school (it's about way more than money).
pfforphds.com/BookGiveaway/
pfforphds.com/BookGiveaway/
Last day to enter this giveaway!
The 2nd edition of this book was just released, and JL Collins has been all over the podcast circuit. :)
This is my top recommendation for new or underconfident investors.
PFforPhDs.com/BookGiveaway/
The 2nd edition of this book was just released, and JL Collins has been all over the podcast circuit. :)
This is my top recommendation for new or underconfident investors.
PFforPhDs.com/BookGiveaway/
May 20, 2025 at 3:31 PM
Last day to enter this giveaway!
The 2nd edition of this book was just released, and JL Collins has been all over the podcast circuit. :)
This is my top recommendation for new or underconfident investors.
PFforPhDs.com/BookGiveaway/
The 2nd edition of this book was just released, and JL Collins has been all over the podcast circuit. :)
This is my top recommendation for new or underconfident investors.
PFforPhDs.com/BookGiveaway/
Oooh, I just noticed I have one free 30-min financial coaching spot open TOMORROW and a couple next week! (Only for PhDs and PhDs-to-be who are living in the US.)
Register for my mailing list to get the sign-up link: pfforphds.com/Giveaway/
My Giveaway Spring initiative ends in a few weeks!
Register for my mailing list to get the sign-up link: pfforphds.com/Giveaway/
My Giveaway Spring initiative ends in a few weeks!
May 14, 2025 at 6:14 PM
Oooh, I just noticed I have one free 30-min financial coaching spot open TOMORROW and a couple next week! (Only for PhDs and PhDs-to-be who are living in the US.)
Register for my mailing list to get the sign-up link: pfforphds.com/Giveaway/
My Giveaway Spring initiative ends in a few weeks!
Register for my mailing list to get the sign-up link: pfforphds.com/Giveaway/
My Giveaway Spring initiative ends in a few weeks!
Glad to hear another financial educator (Tori Dunlap) is giving the same guidance that I am right now:
If you don't currently have a 3-month emergency fund, eliminate discretionary spending until you have saved enough.
herfirst100k.com/financial-fe...
If you don't currently have a 3-month emergency fund, eliminate discretionary spending until you have saved enough.
herfirst100k.com/financial-fe...
May 9, 2025 at 7:36 PM
Glad to hear another financial educator (Tori Dunlap) is giving the same guidance that I am right now:
If you don't currently have a 3-month emergency fund, eliminate discretionary spending until you have saved enough.
herfirst100k.com/financial-fe...
If you don't currently have a 3-month emergency fund, eliminate discretionary spending until you have saved enough.
herfirst100k.com/financial-fe...
Excellent explainer on quarterly estimated tax from Student Loan Planner: podcasts.apple.com/us/podcast/q...
Not just for high earners or the self-employed! Great general info. This is relevant for grad students and postdocs who are not having income tax withheld from their #fellowship paychecks.
Not just for high earners or the self-employed! Great general info. This is relevant for grad students and postdocs who are not having income tax withheld from their #fellowship paychecks.
Quarterly Taxes for High Earners: What, Why and How To Plan Ahead
Podcast Episode · Student Loan Planner · 04/25/2025 · 27m
podcasts.apple.com
April 28, 2025 at 4:37 PM
Excellent explainer on quarterly estimated tax from Student Loan Planner: podcasts.apple.com/us/podcast/q...
Not just for high earners or the self-employed! Great general info. This is relevant for grad students and postdocs who are not having income tax withheld from their #fellowship paychecks.
Not just for high earners or the self-employed! Great general info. This is relevant for grad students and postdocs who are not having income tax withheld from their #fellowship paychecks.
New webinars just added to my running list!
These ones are for PhDs preparing for or engaging in a job search. Subscribe to my mailing list to immediately receive an email with all the giveaways and free events.
pfforphds.com/Giveaway/
These ones are for PhDs preparing for or engaging in a job search. Subscribe to my mailing list to immediately receive an email with all the giveaways and free events.
pfforphds.com/Giveaway/
April 26, 2025 at 12:40 AM
New webinars just added to my running list!
These ones are for PhDs preparing for or engaging in a job search. Subscribe to my mailing list to immediately receive an email with all the giveaways and free events.
pfforphds.com/Giveaway/
These ones are for PhDs preparing for or engaging in a job search. Subscribe to my mailing list to immediately receive an email with all the giveaways and free events.
pfforphds.com/Giveaway/
Reposted by Personal Finance for PhDs
SAVE borrowers -
You are not in default of your loans just because you are on the SAVE income driven payment plan.
So…
The news that the Department of education will begin collecting payments from borrowers who are in default on May 5th does not directly affect you.
1/2
You are not in default of your loans just because you are on the SAVE income driven payment plan.
So…
The news that the Department of education will begin collecting payments from borrowers who are in default on May 5th does not directly affect you.
1/2
April 22, 2025 at 6:31 PM
SAVE borrowers -
You are not in default of your loans just because you are on the SAVE income driven payment plan.
So…
The news that the Department of education will begin collecting payments from borrowers who are in default on May 5th does not directly affect you.
1/2
You are not in default of your loans just because you are on the SAVE income driven payment plan.
So…
The news that the Department of education will begin collecting payments from borrowers who are in default on May 5th does not directly affect you.
1/2
Major additions to Giveaway Spring!
I'm delivering a free pilot workshop on weathering financial emergencies for PhDs and PhDs-to-be this coming Friday.
Sign up below to get a list of allll the free resources, including a link to register for Friday's workshop.
pfforphds.com/Giveaway/
I'm delivering a free pilot workshop on weathering financial emergencies for PhDs and PhDs-to-be this coming Friday.
Sign up below to get a list of allll the free resources, including a link to register for Friday's workshop.
pfforphds.com/Giveaway/
April 21, 2025 at 6:34 PM
Major additions to Giveaway Spring!
I'm delivering a free pilot workshop on weathering financial emergencies for PhDs and PhDs-to-be this coming Friday.
Sign up below to get a list of allll the free resources, including a link to register for Friday's workshop.
pfforphds.com/Giveaway/
I'm delivering a free pilot workshop on weathering financial emergencies for PhDs and PhDs-to-be this coming Friday.
Sign up below to get a list of allll the free resources, including a link to register for Friday's workshop.
pfforphds.com/Giveaway/
I added new free resources from the Graduate Career Consortium to my running list for Giveaway Spring—check it out!
pfforphds.com/Giveaway/
pfforphds.com/Giveaway/
April 17, 2025 at 3:03 PM
I added new free resources from the Graduate Career Consortium to my running list for Giveaway Spring—check it out!
pfforphds.com/Giveaway/
pfforphds.com/Giveaway/
Reposted by Personal Finance for PhDs
In this economy, I did not expect any PhD stipend raises. Big shout-out to Texas Tech University which has gone from paying $15,984 to $21,500!
and big thanks to @mossmatters.bsky.social for keeping our database up-to-date!
rhettrautsaw.app/shiny/Biolog...
and big thanks to @mossmatters.bsky.social for keeping our database up-to-date!
rhettrautsaw.app/shiny/Biolog...
April 16, 2025 at 2:54 PM
In this economy, I did not expect any PhD stipend raises. Big shout-out to Texas Tech University which has gone from paying $15,984 to $21,500!
and big thanks to @mossmatters.bsky.social for keeping our database up-to-date!
rhettrautsaw.app/shiny/Biolog...
and big thanks to @mossmatters.bsky.social for keeping our database up-to-date!
rhettrautsaw.app/shiny/Biolog...
I spoke with a rising PhD student yesterday who committed to a program with a 5+-year funding guarantee—all other offers were rescinded.
They are happy with where they ended up, even though there ultimately weren't other options.
Now that Decision Day has passed, how did everyone else end up?
They are happy with where they ended up, even though there ultimately weren't other options.
Now that Decision Day has passed, how did everyone else end up?
April 16, 2025 at 1:58 PM
I spoke with a rising PhD student yesterday who committed to a program with a 5+-year funding guarantee—all other offers were rescinded.
They are happy with where they ended up, even though there ultimately weren't other options.
Now that Decision Day has passed, how did everyone else end up?
They are happy with where they ended up, even though there ultimately weren't other options.
Now that Decision Day has passed, how did everyone else end up?
New book giveaway! This is my top recommendation for grad students and PhDs who want to start investing. Great for turbulent market times as well.
pfforphds.com/bookgiveaway/
pfforphds.com/bookgiveaway/
April 16, 2025 at 1:32 PM
New book giveaway! This is my top recommendation for grad students and PhDs who want to start investing. Great for turbulent market times as well.
pfforphds.com/bookgiveaway/
pfforphds.com/bookgiveaway/
Submitted my own tax return at 10pm last night! Tax season is over and my mind is free to work on other financial education topics!
April 16, 2025 at 1:29 PM
Submitted my own tax return at 10pm last night! Tax season is over and my mind is free to work on other financial education topics!
Free 1:1 coaching spots have opened up and the people on my mailing list haven't snapped them up yet... 👀
Join the list for access to the scheduling link!
(Coaching sessions are only for funded grad students and PhDs in the US.)
pfforphds.com/Giveaway/
Join the list for access to the scheduling link!
(Coaching sessions are only for funded grad students and PhDs in the US.)
pfforphds.com/Giveaway/
April 16, 2025 at 12:24 AM
Free 1:1 coaching spots have opened up and the people on my mailing list haven't snapped them up yet... 👀
Join the list for access to the scheduling link!
(Coaching sessions are only for funded grad students and PhDs in the US.)
pfforphds.com/Giveaway/
Join the list for access to the scheduling link!
(Coaching sessions are only for funded grad students and PhDs in the US.)
pfforphds.com/Giveaway/
What to do if you can't finish and submit your tax return today (start at ~14:00):
www.sunlighttax.com/blog/2025/4/...
Your tax PAYMENT (an estimate) is still due today, but you can take up to 6 more months to finalize the paperwork through an extension.
www.sunlighttax.com/blog/2025/4/...
Your tax PAYMENT (an estimate) is still due today, but you can take up to 6 more months to finalize the paperwork through an extension.
Tips on Filing an Extension — Sunlight Tax
Today, I’m providing some practical advice on filing a tax extension and how you can do it without getting a penalty. I’m also talking about the importance of relationships in career success as an art...
www.sunlighttax.com
April 15, 2025 at 1:56 PM
What to do if you can't finish and submit your tax return today (start at ~14:00):
www.sunlighttax.com/blog/2025/4/...
Your tax PAYMENT (an estimate) is still due today, but you can take up to 6 more months to finalize the paperwork through an extension.
www.sunlighttax.com/blog/2025/4/...
Your tax PAYMENT (an estimate) is still due today, but you can take up to 6 more months to finalize the paperwork through an extension.
Each of the half dozen people who attended my live tax return Q&A call yesterday receives #fellowship income, and half of them found out for the first time during the call that they are responsible for paying their Q1 estimated tax TODAY. Not a good surprised. TALK WITH YOUR PEERS about taxes!
April 15, 2025 at 1:14 PM
Each of the half dozen people who attended my live tax return Q&A call yesterday receives #fellowship income, and half of them found out for the first time during the call that they are responsible for paying their Q1 estimated tax TODAY. Not a good surprised. TALK WITH YOUR PEERS about taxes!
If your fall 2024 #stipend / salary as a #gradstudent, #postdoc, or #postbac (US citizen/resident in the US) was reported on anything OTHER than a Form W-2...
Make sure you Google "estimated tax" + fellowship this weekend.
You may need to make a payment by 4/15 toward your 2025 tax bill!
Make sure you Google "estimated tax" + fellowship this weekend.
You may need to make a payment by 4/15 toward your 2025 tax bill!
April 12, 2025 at 11:04 PM
If your fall 2024 #stipend / salary as a #gradstudent, #postdoc, or #postbac (US citizen/resident in the US) was reported on anything OTHER than a Form W-2...
Make sure you Google "estimated tax" + fellowship this weekend.
You may need to make a payment by 4/15 toward your 2025 tax bill!
Make sure you Google "estimated tax" + fellowship this weekend.
You may need to make a payment by 4/15 toward your 2025 tax bill!
If you haven't yet submitted your tax return as a funded grad student in the US (citizen/resident)...
You need my "cheat sheet!"
pfforphds.com/GStaxcheatsh...
Good luck!
You need my "cheat sheet!"
pfforphds.com/GStaxcheatsh...
Good luck!
April 10, 2025 at 4:37 PM
If you haven't yet submitted your tax return as a funded grad student in the US (citizen/resident)...
You need my "cheat sheet!"
pfforphds.com/GStaxcheatsh...
Good luck!
You need my "cheat sheet!"
pfforphds.com/GStaxcheatsh...
Good luck!