Becoming a Financially Confident Woman is a space for honest, practical conversations about money—without judgment.
Join Dr. April Murdaugh and her guests as they explore retirement, investing, taxes, and the financial decisions women face at every stage of life.
Through expert insights and real stories, you’ll gain the knowledge and confidence to make choices that support the life you want to build.
Website (https://www.womantowomanfinancial.com)
Behind the Score: What Credit Bureaus Don't Tell You with Michelle Way, Credit Consultant
What does your credit card say about you? More than you might think! You could have an excellent credit score, pay your bills on time, and still struggle to get approved for a loan. So what are lenders actually looking at? Dr. April Murdaugh welcomes Michelle Way, credit coach, for an eye-opening conversation about why your creditworthiness goes beyond your credit score, what your credit history reveals, and how seemingly small decisions can affect your financial opportunities.
Here's something you can check today: Your credit card has a payment due date AND a statement closing date, and they matter for different reasons! One helps you avoid late payments, while the other generally determines which balance gets reported to the credit bureaus. And that's just one of the surprising things Michelle shares about how credit really works. You may be making decisions you think are helping your credit when they're actually working against you.
Key Takeaways:
Why a great credit score doesn't always mean you're creditworthy.
The difference between your credit card's due date and reporting date, and why both matter.
What your credit history reveals and how to avoid mistakes that could hurt your financial opportunities.
Episode Resources:
10/22 Join the Credit Coach's Webinar: https://calendly.com/w2wfinancial/creditconfidence (https://www.facebook.com/search/top?q=woman%20to%20woman%20financial)
www.HudHomeStore.com (http://www.hudhomestore.com/)
www.FactorTrust.com (http://www.factortrust.com/)
17 Jul 2026
What To Do With An Old 401K?
Leaving a job doesn't mean you should forget about your retirement savings. If you have an old 401(k), you have options—but choosing the wrong one could lead to unnecessary taxes, missed investment opportunities, or costly mistakes. Dr. April Murdaugh walks through the four primary options for an old 401(k), explaining the advantages and disadvantages of each. She also covers common rollover mistakes, important tax considerations, beneficiary updates, and why making emotional decisions during a career transition can have long-term consequences. Whether you've changed jobs once or several times, this episode will help you make a more informed decision about one of your most important retirement assets.
Key Takeaways:
The four options you have for an old 401(k) and when each one may make sense
Common rollover mistakes that can trigger taxes and penalties
Why your old 401(k) should be part of your overall retirement strategy—not just another forgotten account
Call to Schedule your consultation with Dr. April Murdaugh: 904-753-5250
Connect with Dr. April Murdaugh: @W2WFinancial on Facebook
Join the Facebook Group: Prosperous Women Collective
Chapters
00:00 Introduction to managing old 401(k) accounts00:55 Why many Americans have multiple old retirement accounts01:24 Option 1: Leave it in the former employer’s plan02:23 Advantages of leaving your 401(k) in the old plan03:10 Disadvantages of leaving it in the old plan04:35 Option 2: Roll over into your new employer’s 401(k)05:56 Benefits of consolidating into a new 401(k)06:23 Using the backdoor Roth strategy with rollovers07:50 Understanding Roth IRA conversions and benefits09:17 Disadvantages of rolling into a new 401(k)10:14 Option 3: Roll over into an IRA11:13 Types of IRAs: Traditional vs Roth12:40 Tax implications of IRA rollovers13:39 The importance of trustee-to-trustee transfers15:04 Option 4: Cash out your 401(k)16:03 Consequences of cashing out: taxes and penalties17:02 Common mistakes to avoid with old 401(k)s22:39 Key questions before moving your 401(k)23:37 Consult a professional for personalized advice
3 Jul 2026
5 Biggest Social Security Mistakes Women Make
The age you choose to start claiming Social Security can impact your income for the rest of your life. Yet many women make this important decision based on fear, misinformation, or incomplete planning. Dr. April Murdaugh breaks down the five biggest Social Security mistakes women make, including claiming benefits too early, overlooking divorce and survivor benefits, and failing to coordinate Social Security with an overall retirement income strategy. She also explains why women face unique retirement challenges—from longer life expectancies to career interruptions—and shares practical guidance to help you maximize one of your most valuable retirement benefits.
Key Takeaways:
The 5 biggest Social Security mistakes women make—and how to avoid them
Why the age you claim benefits can affect your retirement income for life
How divorce benefits, survivor benefits, and thoughtful retirement planning can help you maximize your Social Security income
Call to Schedule your consultation with Dr. April Murdaugh: 904-753-5250
Join the 4 Week Wealth Intensive
Connect with Dr. April Murdaugh: @W2WFinancial on Facebook
Join the Facebook Group: Prosperous Women Collective
Chapters
00:00 Introduction to Social Security Mistakes02:53 Claiming Social Security Too Early05:46 Understanding Longevity and Its Impact09:00 Divorce Spouse Benefits Explained11:53 Survivor's Benefits and Their Importance14:48 Integrating Social Security into Retirement Planning
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
Apple Podcasts (US)
5.0 / 5
9 ratings
Spotify
5.0 / 5
4 ratings
Podcast Authority Score: 30 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
32
Social presence
0
YouTube
0
Engagement
71
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