In short
Podcast Summary: Money Rehab with Nicole Lapin - Episode: Fleeing the LA Wildfires with My Newborn
Podcast Overview Title: Money Rehab with Nicole Lapin Description: A financial podcast focusing on breaking the taboo surrounding money discussions. Nicole Lapin, a financial expert, provides bite-sized tips and insights to help listeners improve their financial lives.
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Episode Details Title: Fleeing the LA Wildfires with My Newborn Description: Nicole shares her personal story of losing her home to the recent wildfires in Los Angeles and reflects on her experiences as a new parent during this crisis.
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Key Themes and Discussions
Personal Experience with the Wildfires
- Evacuation Experience:
- Nicole recounts the chaos of evacuating her home in the Palisades as wildfires approached.
- Lacked organized instructions during the evacuation; left with only her newborn and clothes on their backs.
- Loss of Home:
- Two weeks after giving birth, Nicole’s house burned down, marking a significant life transition.
- The emotional weight of losing not only the home but also irreplaceable memories and keepsakes.
Emotional Impact
- Grief and Reflection:
- Nicole expresses profound grief over losing her home and the memories associated with it.
- The loss includes both physical items (journals, wedding mementos) and the future she envisioned for her daughter.
- Motherhood and Crisis:
- Discusses the challenges of being a new mother while facing the trauma of losing her home.
- Reflects on the protective instinct that kicked in during the crisis.
Financial and Personal Recovery
- Community Support:
- Nicole acknowledges the support from friends, family, and listeners who contributed to a GoFundMe campaign to help her rebuild.
- Reinforces the importance of community in times of crisis.
- Rebuilding and Purpose:
- Focuses on the necessity to rebuild not just a physical home but also her understanding of what "home" means.
- Acknowledges that stability and security cannot solely be found in material possessions.
Lessons Learned
- Revisiting Concepts of Home:
- Explores deeper issues related to her relationship with the concept of home, which were brought to light by this disaster.
- Recognizes that healing involves addressing personal insecurities and fears.
- Finding Gratitude:
- Despite the turmoil, Nicole emphasizes the importance of finding gratitude in small things, such as family safety and community kindness.
- Aims to focus on personal growth amid adversity.
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Conclusion Nicole Lapin concludes by expressing a mix of vulnerability and hope. She acknowledges that recovery is a gradual process and looks forward to continuing her work while navigating the complexities of her new reality. The episode ends with a reminder of the importance of community and support during difficult times.
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Call to Action Listeners are encouraged to send in their financial questions for potential discussion on future episodes. Nicole invites engagement through emails and social media platforms to foster a supportive community around financial wellness.
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Production Credits
- Executive Producer: Morgan Lavoie
- Researcher: Emily Holmes
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This episode serves as a poignant reminder of the fragility of life, material possessions, and the importance of community support in overcoming challenges.
Written by AI. May contain mistakes. Listen to the episode to check what was said.
Transcript
Automatic transcript. May contain errors.0:00I once interviewed the CEO of a credit bureau and he confessed that his assistant has a better credit score than he does. Why? Because she's more organized. Yep, even the head of the credit bureau can use a little help in the credit score department. If you can too, then listen up because Chime has a card that can help you do just that. Chime turns everyday spending into real rewards and progress. Not like old school banks that charge you overdraft and monthly fees. Built for you, not the 1%. Imagine cash back and credit building with your own money finally on the same card. No annual fees, no interest, and no strings attached.
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2:11Do you know what else can give you that feeling? Co-hosting with Airbnb. Trust me on this one. Hosting your home on Airbnb while you're away from home is a great way to make some extra cash and make sure your home is working as hard as you do. But knowing where to start can feel overwhelming. That's where co-hosts come in. These are local experts who can help make hosting even easier by taking care of all the little details back home while you're off enjoying yourself. Co-hosts can handle everything from staging your space to communicating with guests to offering on-site support so nothing interferes with your time away from home.
2:47Whether you're living the digital nomad life or just taking a well-deserved reset, I love this for you. Looking to get started? Find a co-host at airbnb.com slash host. I'm Nicole Lappin, the only financial expert you don't need a dictionary to understand. It's time for some money rehab.
3:15Oh man, money rehabbers, a lot has happened since I last talked to you. Oh my gosh, I'm already crying. I said I wasn't going to. I haven't even started talking. Okay, so last time I spoke to you, I was nine months, 10 months pregnant, wrapping my head around a sort of kind of maternity leave. Since then, I did have my baby, a girl. She is beautiful and healthy. And I knew this was going to be a big period of transition and change in my life. I just did not know the extent of it because two weeks after we brought home our baby girl, we lost our home. Our house burned down in the LA fires in the Palisades.
4:15I thought, naively, I guess, in retrospect, that I'm pretty calm in a crisis. I've learned to catch many a curveball in a way that you only really can with practice. I mean, this wasn't my first disaster. It was not my first metaphorical fire, at least. But this was nothing, nothing like I have ever experienced before. The evacuation for us wasn't what it sounded like on TV. We didn't have orderly instructions about what to do. We literally saw the fire from the rooftop of our home and we left as soon as we could. When we evacuated, we left with nothing. Literally the clothes on our backs and our baby in arms.
5:10I grabbed her, not even thinking to pack a bag. I know that sounds crazy. If I was hearing this, I would think it was crazy too. You know, you always say, well, I would take this or I would take that in case of a fire. And I had that list in my head. But when it happens, you're caught between thinking you'll be back, that it couldn't possibly get to your house, and not thinking at all. I knew in theory, even before I went through this, what you are supposed to take with you if you're evacuating your home. But again, I thought I would be calm and rational in a crisis. And I also really thought we would be back.
5:50But what I could not anticipate was how all of this would feel as a new parent. I had been a mom for all of two whole weeks. I mean, the title still felt weird and new coming out of my mouth. I was still getting used to that feeling of having a piece of your heart beating outside of you, which is a thing a lot of new moms say. And honestly, it's pretty true. It's also true that you immediately feel this protective mama bear instinct as soon as you see your kid for the first time. But if you're lucky, you don't have to act on that mama bear instinct. But I did. And the fire did not give me time to think.
6:33I just had to act. And we had to protect her. So I didn't take my wallet, my driver's license, my passport, work, my birth certificate, my social security card, all the practical things that are like another set of fingerprints. The records that prove you are you. And I didn't take any of the sentimental things I thought I would with me. My father's book that has his signature in it, he died when I was 11, it was my most prized possession and the only thing I had of him. my journals, my poetry, press passes from the last 20 years, the glass we broke on our wedding day, anything from my wedding, my wedding dress, years of keepsakes, years of mementos that are more than just fingerprints.
7:30They're all of the things that tell the story of who I am and all I've built. So we evacuated with nothing. And then we just waited to hear if our house was gone or not. And then our neighbor called us with the news. And I thought that was a low point on top of the many low points that you might expect during postpartum. But seeing a video of the remains of our house, I mean, that made it real, and that was the lowest of low. I do want to say I am lucky. I absolutely know that. I was able to find a temporary rental quickly so my family has a roof over our heads, a place to live while we figure it all out.
8:32I have incredible, incredible friends. And now that includes people I didn't even know I could call friends who jumped into action to help me and my family with things big and small. I have people who listen to the show who reached out to send me good thoughts and prayers and wishes. My loved ones set up GoFundMe, which we've been using to buy supplies for our daughter and basically everything we had in our brand new nursery, everything we got from our registry. I know that there are many people that haven't been as lucky. And so I have been digging deep to try my best to do my part and share resources that I find helpful.
9:15Being useful, being of service has given me some sense of purpose and meaning through all of this chaos. But I hope I can be honest and vulnerable with you. This has been so hard. Losing my home and everything in it was never on my life bingo card. If you would have asked me for the top 1 million things that could go wrong in postpartum, this would not have been it. And it wasn't just my home. It was my car and our brand new office and our bio box and our pediatrician. It was the whole town that I built my life around and that I loved. I've lived in 10 cities in 20 years, and this one was the first place that felt like home.
10:10so all of this is like a surreal kind of grief realizing that all of your things are gone in an instant i keep realizing more and more every day my night guard for grinding of teeth that i have to get replaced the driver's license the passport as i've learned these things are really hard to replace, but they're replaceable. My dad's signature, the glass we broke on our wedding day, those are not. The crazy thing is that it almost feels like you don't know if you still exist, partly because the paperwork that proves you do exist is gone. My most recent bank statement online, less to my old address, so to all of my bills.
11:03It's an address that doesn't have a house standing there anymore. But it is so much more than that, and it is so much heavier than that. In the fire, I lost the memories that I had already planned on making with my daughter, what I thought would be, where I thought would be her first steps. Her first birthday, tucking her into her toddler bed that we kept the extension for in the attic when she was big enough. So in all of this, you lose the future that you had planned, and also your past. All of those irreplaceable things I mentioned. The poetry, the book, the treasures from our wedding.
12:02If you lose the artifacts from your past and the ideas from your future, what in the hell is tethering you to reality? I never thought I would tell this kind of story, let alone live it. But here I am, even a month later, still delirious, still running on fumes, still constantly crying, hanging by a mental health thread. And here's the thing, this experience has forced me to face something that I have been avoiding for years. You've heard me say on the show before, you've heard me say on other people's shows, that I've always had this deep, complicated relationship with the idea of home. I've often talked about the mean girl inside my head that tells me that I'm going to be broke, alone, and homeless.
13:00And honestly, I used to think a nicer house, a better space, more stability, would fix this deep ache.
13:10But this fire literally burned through those illusions. I keep asking myself, where is the lesson? There has to be a lesson. And if I learn anything from all of this horror, it is the idea that home was never going to be solved by a bigger house or nicer stuff. that the gaping wound, the one that made me crave stability so desperately, was something I would have to face head on. So here we are. And maybe, just maybe, one of my favorite poets, Rumi, was right. The wound is the place the light enters you. So for now, I'm going to focus on finding that light, finding the gratitude. The gratitude that my family is safe.
14:06The gratitude that we have been met with so much kindness and that I'm being forced to rebuild not just a home, but the idea of it. That's something, something deeper within myself about the idea of home. I've always felt like I could access something bigger than myself through my work, through this mission that I'm on. So I want to come back while I'm still juggling all of the things that I need to do to put all of the pieces of my life back together, taking care of my daughter, taking care of myself. But there is also a lot that has happened in the world since we last spoke. So this week, I want to help try to make sense of some of the big financial headlines and as always how you'll be affected.
15:04So you will be hearing from me again, no promises, that I won't be crying. You'll also hear from some great guest hosts from time to time too. This feels weird. It feels strange to start to go back to work. I cannot pretend, and I cannot lie to you, that everything is business as normal. It is not. I am both okay and not okay at the same time, and mostly not okay and super sad right now. But I know I will be more okay than not okay sometime soon. And doing this show and talking to you is a part of my life that gives me so much meaning. It is something that no fire could ever take away from me.
15:56So thank you for being part of this rebuilding, this journey. And to everyone else who is going through this, I see you. I love you. I love our hometown. I feel your heartbreak. I feel your grief. And I don't know when, but I promise we will get through this together.
16:27One step, one day at a time.
16:35Money Rehab is a production of Money News Network. I'm your host, Nicole Lappin. Money Rehab's executive producer is Morgan Lavoie. Our researcher is Emily Holmes. Do you need some money rehab? And let's be honest, we all do. So email us your money questions, moneyrehab at moneynewsnetwork.com to potentially have your questions answered on the show or even have a one-on-one intervention with me. And follow us on Instagram at moneynews and TikTok at moneynewsnetwork for exclusive video content. And lastly, thank you. No, seriously, thank you. Thank you for listening and for investing in yourself, which is the most important investment you can make.
17:18Thank you.
From the publisher
As you know, many parts of Los Angeles were devastated by recent wildfires. Nicole is taking a deep breath, and sharing her story.
All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.




