Securing a mortgage is an important part of the home buying process, but mortgages and mortgage regulations can be complex. Listen to our latest podcast episode to learn about the basics of mortgages as we talk to IDFPR's own APLD Director, Kari Beyer.

Additional Resources:
Homeowner Assistance: Illinois on HUD.gov: https://www.hud.gov/states/illinois/homeownership/buyingprgms
 
Mortgages – Consumer Education from CFPB: https://www.consumerfinance.gov/consumer-tools/mortgages/
 
Relevant CFPB articles:
“What do I do if my house was damaged, destroyed, or I’m unable to make my payment after a disaster?”: https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-house-is-destroyed-in-a-natural-disaster-en-1521/

“What exactly happens when a mortgage lender checks my credit?”: https://www.consumerfinance.gov/ask-cfpb/what-exactly-happens-when-a-mortgage-lender-checks-my-credit-en-2005/

“What’s the difference between a prequalification letter and a preapproval letter?”: https://www.consumerfinance.gov/ask-cfpb/whats-the-difference-between-a-prequalification-letter-and-a-preapproval-letter-en-127/#:~:text=There's%20not%20a%20lot%20of,and%20based%20on%20certain%20assumptions

Episode 38: Mortgages

Making Cents of Money discusses the economics of the cannabis in Illinois with Vaughn Bentley, the Deputy Director of Cannabis Control at IDFPR. Tune in to learn more about the impact this industry (the first nationally to prioritize social equity) has in our state.


Show Notes:

Illinois Cannabis Regulation Oversight Office. (2024). Annual cannabis regulation report. Springfield, IL: State of Illinois. https://cannabis.illinois.gov/content/dam/soi/en/web/cannabis/documents/media/reports-and-public-presentations/Compiled%20Cannabis%20Annual%20Report%202024%20(1).pdf  

Illinois Department of Agriculture. (2023). Cannabis regulation and tax act. Administrative rules for adult use cannabis. https://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=041007050HArt.15&ActID=3992&ChapterID=35&SeqStart=3000000&SeqEnd=6400000  

UIC Entrepreneurial Support Program: https://business.uic.edu/academics-research/research-2/centers/uic-entrepreneurial-support-program/.

Making Cents of Money Ep. 50: Becoming an Entrepreneur! https://blogs.uofi.uillinois.edu/view/7550/1409980922 


Episode 103: Economics of Cannabis


Making Cents of Money: Episode 99 – Financial Socialization: https://soundcloud.com/idfpr/episode-99-financial-socialization?utm_source=clipboard&utm_campaign=wtshare&utm_medium=widget&utm_content=https%253A%252F%252Fsoundcloud.com%252Fidfpr%252Fepisode-99-financial-socialization

Making Cents of Money: Episode 94 – Cost of Living: https://soundcloud.com/idfpr/episode-94-cost-of-living?utm_source=clipboard&utm_campaign=wtshare&utm_medium=widget&utm_content=https%253A%252F%252Fsoundcloud.com%252Fidfpr%252Fepisode-94-cost-of-living

Klontz Money Scripts Quiz: https://www.bradklontz.com/moneyscriptstest

Get Saavy Webinar: Budget Hacks: https://www.youtube.com/watch?v=X2p09ddcB4Q

FTC Fraud Report: https://reportfraud.ftc.gov

FBI Internet Crime Complaint Center: https://www.ic3.gov

Christy, K., Welter, T., Dundon, K., Valandra, & Bruce, A. (2022). Economic Abuse: A Subtle but Common Form of Power and Control. Journal of Interpersonal Violence, 37(1–2), NP473–NP499. https://doi.org/10.1177/0886260520916264 

Eickmeyer, K. J., Manning, W. D., Longmore, M. A., & Giordano, P. C. (2023). Exploring the Married-Cohabiting Income Pooling Gap Among Young Adults. Journal of Family and Economic Issues, 44(4), 990–1006. https://doi.org/10.1007/s10834-023-09885-0 

Granados, W. (2025, January 28). NRF survey: Valentine’s day spending reaches record $27.5 billion. NRF National Retail Federation. https://nrf.com/media-center/press-releases/nrf-survey-valentine-s-day-spending-reaches-record-27-5-billion 

Klontz, B., Britt, S. L., Mentzer, J., & Klontz, T. (2011). Money Beliefs and Financial Behaviors: Development of the Klontz Money Script Inventory. Journal of Financial Therapy, 2(1). https://doi.org/10.4148/jft.v2i1.451 

Koochel, E. E., Markham, M. S., Crawford, D. W., & Archuleta, K. L. (2020). Financial Transparency Scale: Its Development and Potential Uses. Journal of Financial Counseling and Planning, 31(1), 14–27. https://doi.org/10.1891/JFCP-18-00009 

Li, X., Khan, M. A., Xiao, J. J., & Kong, D. (2024). Actions for solutions: Financial behaviors, power (im)balance, and economic abuse among Chinese young adults in non-marital cohabitation. Journal of Social and Personal Relationships, 41(6), 1554–1576. https://doi.org/10.1177/02654075241227125 

Olson, J. G., & Rick, S. I. (2023). Subjective Knowledge Differences within Couples Predict Influence over Shared Financial Decisions. Journal of the Association for Consumer Research, 8(4), 378–389. https://doi.org/10.1086/726430 

Romo, L. K. (2015). An Examination of How People in Romantic Relationships Use Communication to Manage Financial Uncertainty. Journal of Applied Communication Research, 43(3), 315–335. https://doi.org/10.1080/00909882.2015.1052831 

Romo, L. K., & Abetz, J. S. (2016). Money as Relational Struggle: Communicatively Negotiating Cultural Discourses in Romantic Relationships. Communication Studies, 67(1), 94–110. https://doi.org/10.1080/10510974.2015.1121158 

Totenhagen, C. J., Wilmarth, M. J., Serido, J., Curran, M. A., & Shim, S. (2019). Pathways from Financial Knowledge to Relationship Satisfaction: The Roles of Financial Behaviors, Perceived Shared Financial Values with the Romantic Partner, and Debt. Journal of Family and Economic Issues, 40(3), 423–437. https://doi.org/10.1007/s10834-019-09611-9 
 


Episode 104: Money and Relationships

Ever wondered why it can be so difficult to change your financial habits? In this episode of Making Cents of Money, join our hosts and special guest, Emily Harmon, Illinois Extension Family Life Educator, as they delve into the Transtheoretical Model to help explain why behavior change relating to finances can be challenging.

Show Notes Links: 
 
Ep. 23, Money Personalities & Financial Well-being: https://blogs.uofi.uillinois.edu/view/7550/303401558  
 
Illinois Extension. All My Money, What’s Important to Me? Activity. https://extension.illinois.edu/sites/default/files/all_my_money_values_activity.pdf  
 
Money Harmony Personalities Quiz by Olivia Mellan: https://moneyharmony.com/moneyharmony-quiz/  
 
Klontz Money Scripts Inventory (KMSI-R): https://www.bradklontz.com/moneyscriptstest  
 
Publications on the Klontz Money Scripts Inventory: 
 
Klontz, B., Britt, S. L., Mentzer, J., & Klontz, T. (2011). Money beliefs and financial behaviors: Development of the Klontz Money Script Inventory. Journal of Financial Therapy, 2(1), 1. 
 
Klontz, B., Britt, S. L., Archuleta, K. L., & Klontz, T. (2012). Disordered money behaviors: Development of the Klontz money behavior inventory. Journal of Financial Therapy, 3(1), 2. 
 
Taylor, C. D., Klontz, B., & Britt, S. L. (2016). Reliability and convergent validity of the Klontz Money Script Inventory-revised (KMSI-R). Journal of Financial therapy, 6(2), 2. 


Episode 105: Stages of Financial Behavior Change

Managing money isn’t one-size-fits-all—especially for neurodivergent individuals. In this episode of Making Cents of Money, we explore how ADHD, autism, dyslexia, and executive functioning challenges impact personal finance.


Show Notes:

•	Illinois Assistive Technology Program: https://iltech.org/
•	Illinois ABLE Program: https://illinoisable.com/
•	ADA National Network. n.d. “What is the definition of disability under ADA?” https://adata.org/faq/what-definition-disability-under-ada.
•	Altszuler, A. R., T. F. Page, E. M. Gnagy, S. Coxe, A. Arrieta, B. S. Molina, and W. E. Pelham Jr. 2016. “Financial Dependence of Young Adults with Childhood ADHD.” Journal of Abnormal Child Psychology 44 (6): 1217–1229. https://doi.org/10.1007/s10802-015-0093-9. 
•	American Psychological Association. n.d. “Speaking of Psychology: The Stress of Money.” American Psychological Association. www.apa.org/research/action/speaking-of-psychology/financial-stress.
•	Komarow, A. 2020. “Neurodiversity and Finances: Planning for the Future When You Think Differently.” Different Brains. www.differentbrains.org/neurodiversity-finances-planning-for-the-future-when-you-think-differently/.
•	How Being Neurodiverse Affects Your Relationship With Money, Duke University Career Hub: https://careerhub.students.duke.edu/blog/2025/01/03/how-being-neurodiverse-affects-your-relationship-with-money/
•	An Inclusive Approach to how Financial Institutions Might Design Financial Information for Neurodiversity Accessibility: https://openresearch.ocadu.ca/id/eprint/4020/1/Copeland_Jocelyne_Mbaziira_Isaac_2023_MDES_SFI.pdf
•	Financial Literacy Among Autistic Adults, The Journal of Consumer Affairs: https://onlinelibrary.wiley.com/doi/full/10.1111/joca.12564
•	Inclusive Financial Well-being Empowerment Model for Serving Independent, Neurodivergent Individuals: www.financialplanningassociation.org/article/journal/NOV21-inclusive-financial-well-being-empowerment-model-serving-independent-neurodivergent
Centers for Disease Control and Prevention. (2024, May 16). Data and statistics on autism spectrum disorder. U.S. Department of Health & Human Services. Retrieved from https://www.cdc.gov/autism/data-research/index.html
 
FT Adviser. (2024, May 9). Understanding the financial challenges faced by neurodivergent people. Retrieved from https://www.ftadviser.com/investments/2024/05/09/understanding-the-financial-challenges-faced-by-neurodivergent-people/
 
National Disability Institute. (n.d.). National Disability Institute and the Association for Financial Counseling and Planning Education® launch Financial Inclusion Essentials. Retrieved from https://www.nationaldisabilityinstitute.org/press/national-disability-institute-and-the-association-for-financial-counseling-and-planning-education-launch-financial-inclusion-essentials-2/
 
Shattuck, P., Narendorf, S., Cooper, B., Sterzing, P., Wagner, M., & Taylor, J. (2012). Postsecondary education and employment among youth with an autism spectrum disorder. Pediatrics, 129(6), 1042-1049. https://doi.org/10.1542/peds.2011-2864. Retrieved from https://www.researchgate.net/publication/224958489_Postsecondary_Education_and_Employment_Among_Youth_With_an_Autism_Spectrum_Disorder
 





Episode 106: Neurodiversity and Financial Strategies

April is #NationalFinancialCapabilityMonth and Making Cents of Money is celebrating with an episode that covers a variety of financial topics that reference favorite throwback episodes. Ready for a challenge this month? Tune in to learn more.


Show Notes:
 
Resources Mentioned in the Episode Based on Topic

Goal-setting & Budgets
•	Episode 101: New Year, New Financial Resolutions
https://blogs.uofi.uillinois.edu/view/7550/1657573873
•	Episode 75: Setting & Prioritizing Financial Goals
https://blogs.uofi.uillinois.edu/view/7550/1854370435
•	Episode 20: Budgeting
https://blogs.uofi.uillinois.edu/view/7550/804394514
•	Get Savvy Webinar: Budget Hacks on YouTube
https://youtu.be/X2p09ddcB4Q?si=B8pHNJK8cSIuI9B6

Credit
•	Episode 90: Back to School: College and Credit
https://blogs.uofi.uillinois.edu/view/7550/1942070018
•	Episode 74: Credit Reports Update
https://blogs.uofi.uillinois.edu/view/7550/1222872163
•	Episode 70: The Impact of Compound Interest
https://blogs.uofi.uillinois.edu/view/7550/650946740
•	Episode 67: What is a Credit Report Anyway?
https://blogs.uofi.uillinois.edu/view/7550/171138189
•	Get Savvy Webinar: Mastering the Consumer Credit Game
https://youtu.be/Q0W7qMUFRbA?si=Do1CmkcNeus_pXQD

Dealing with & Preparing for Emergencies
•	Episode 49: Dealing with Emergencies
https://blogs.uofi.uillinois.edu/view/7550/1663281326
•	Episode 26: Emergency Funds
https://blogs.uofi.uillinois.edu/view/7550/1471084251

Financial Well-being & Financial Education Resources
•	Episode 88: Financial Wellness Concepts
https://blogs.uofi.uillinois.edu/view/7550/970920991
•	Episode 82: Free Financial Education Resources for Illinois Residents
https://blogs.uofi.uillinois.edu/view/7550/419696181

Retirement & Investing
•	Episode 91: Retirement Savings in Illinois
https://blogs.uofi.uillinois.edu/view/7550/92656678
•	Episode 55: Wealth Building as a Balancing Act
https://blogs.uofi.uillinois.edu/view/7550/1517205319

•	Get Savvy Webinars:
Investing 101 – https://youtu.be/wXkrLQd10Yg?si=pYVOYL6_OU6KJJvV
Investing 102 – https://youtu.be/qXZrktJwOtQ?si=LddQF-R9ycxYAK-Z

Episode 107: National Financial Capability Month

Concerned about filing your taxes by the April 15th deadline? In this micro-episode of Making Cents of Money, we walk you through the process of filing for an extension and offer some helpful reminders about tax liabilities in general.
 

Show notes: 
 
Extension for Filing: IRS Form 4868: https://www.irs.gov/forms-pubs/about-form-4868
 
Illinois Tax Extension Information: https://tax.illinois.gov/individuals/filingrequirements/extension.html
 
Making Cents of Money, Episode 99, Financial Socialization: https://soundcloud.com/idfpr/episode-99-financial-socialization?utm_source=clipboard&utm_campaign=wtshare&utm_medium=widget&utm_content=https%253A%252F%252Fsoundcloud.com%252Fidfpr%252Fepisode-99-financial-socialization
 
Get Savvy: Grow Your Green Stuff, Tackling Tax Basics: https://www.youtube.com/watch?v=r5kBeRHplTY

Episode 108: Tax Deadline Extension

Looking for a new job? In our latest episode of Making Cents of Money, Kwabena Sarfo Adjei - one of Andrea’s colleagues at the University of Illinois Student Money Management Center – discusses how scammers target people searching for a job and how you can avoid becoming a victim.  


Show Notes

University of Illinois System Student Money Management Center blog article supplementing this episode:
Adjei, K. S. (2025, February 25). Job search due diligence in the U.S. – Avoiding job scams. SMMC News & Events Blog. University of Illinois System. https://blogs.uofi.uillinois.edu/view/7550/1086755488


•	Federal Trade Commission. (n.d.). Job scams explained. Consumer.gov.
Overview of how job scams work, common tactics scammers use, and ways to protect yourself when job hunting.
https://consumer.gov/scams-identity-theft/job-scams-explained
•	Federal Trade Commission. (n.d.). Job scams. Consumer.ftc.gov.
Detailed examples of job scams and what to do if you encounter one, including red flags and reporting resources.
https://consumer.ftc.gov/articles/job-scams#examples
•	Federal Trade Commission. (n.d.). If you were scammed. Consumer.gov.
Step-by-step instructions on what to do if you’ve been scammed, how to report it, and how to start recovering.
https://consumer.gov/scams
•	Federal Bureau of Investigation. (n.d.). Common frauds and scams. FBI.gov.
A broad overview of scams reported to the FBI, including employment scams, with advice on prevention and reporting.
https://www.fbi.gov/how-we-can-help-you/scams-and-safety/common-frauds-and-scams
•	Illinois Department of Financial and Professional Regulation. (n.d.). License lookup. IDFPR.
A tool for verifying whether a job recruiter, employment agency, or financial services professional is properly licensed in the state of Illinois — helpful for confirming the legitimacy of job offers or financial opportunities.
https://idfpr.illinois.gov/checklicense.html
•	Palmquist, K. (2025, January 28). 17 common job scams and how to protect yourself. Indeed Career Guide.
A practical guide listing 17 types of job scams with tips on how to identify them and avoid falling victim.
https://www.indeed.com/career-advice/finding-a-job/job-scams
•	U.S. General Services Administration. (n.d.). Learn where to report a scam. USA.gov.
Official government guide on where and how to report various types of scams, including job scams, at the federal and local levels.
https://www.usa.gov/where-report-scams

Episode 109: Avoiding Job Scams

This month, the federal government began taking action against student loan borrowers with accounts in default. In this episode of Making Cents of Money, learn what that means for borrowers and what options might be available.


Show Notes:

Cunningham, M. (2025, May 5). Student loan collections resume as record number of borrowers fall behind. CBS News. https://www.cbsnews.com/news/defaulted-loans-restart-collection-delinquency-may-5/
 
Dunbar, M. (2025, May 6). US student loan collections resume: Here's what you need to know. The Guardian. https://www.theguardian.com/us-news/2025/may/06/us-student-loan-collections-explainer
 
Federal Student Aid. (n.d.). Rehabilitated loan. U.S. Department of Education. https://studentaid.gov/help-center/answers/article/loan-rehabilitation
 
Federal Student Aid. (n.d.). What is the difference between student loan delinquency and default? U.S. Department of Education. https://studentaid.gov/help-center/answers/article/what-is-difference-between-loan-delinquency-and-default
 
Hanson, M. (2025, March 16). Student loan debt statistics [2025]. Education Data Initiative. https://educationdata.org/student-loan-debt-statistics
 
Kim, J. (2024, September 30). Deadline for Fresh Start defaulted student loans program gets extended. NPR. https://www.npr.org/2024/09/30/nx-s1-5133296/student-loan-default-fresh-start-explainer
 
Prater, N. (2025, May 6). Trump administration gets aggressive on student-debt collection. New York Magazine. https://nymag.com/intelligencer/article/trump-admin-gets-aggressive-on-student-debt-collection.html
 
Reyes, Y., & Lalljee, J. (2025, May 7). What Floridians should know as student loan penalty pause ends. Axios Tampa Bay. https://www.axios.com/local/tampa-bay/2025/05/07/floridian-student-loan-penalty-pause-ends
 
Student Loan Borrower Assistance. (2024, September 20). Fresh Start ends Sept. 30: What borrowers need to know. https://studentloanborrowerassistance.org/fresh-start-ends-sept-30-what-borrowers-need-to-know/
 
TransUnion. (2025, May 5). As federal collections activity resumes, more than one in five student loan borrowers are 90+ days delinquent. https://newsroom.transunion.com/may-2025-student-loan-update/
 
U.S. Department of Education. (2025, April 21). U.S. Department of Education to begin federal student loan collections and other actions to help borrowers get back into repayment. https://www.ed.gov/about/news/press-release/us-department-of-education-begin-federal-student-loan-collections-other-actions-help-borrowers-get-back-repayment


Episode 110: Federal Student Loan Updates

Happy May 29 – also known as 529 Day, which celebrates 529 college savings programs! We partner with the Office of the Illinois State Treasurer to highlight the two nationally acclaimed 529 programs they manage: Bright Start and Bright Directions. Learn more about both in our latest episode of Making Cents of Money!


Government Resources & Tax Information
•Internal Revenue Service. (2025). About Publication 970: Tax benefits for education. https://www.irs.gov/forms-pubs/about-publication-970

•Internal Revenue Service. (2024). 529 plans: Questions and answers. https://www.irs.gov/newsroom/529-plans-questions-and-answers

•Internal Revenue Service. (2025). American opportunity tax credit. https://www.irs.gov/credits-deductions/individuals/aotc

•Internal Revenue Service. (2025). Lifetime learning credit. https://www.irs.gov/credits-deductions/individuals/llc
 

College Cost Planning Tools
•College Board. (2024). Big Future: How much will college cost. https://bigfuture.collegeboard.org/pay-for-college/get-started

•College Board. (2024). Trends in college pricing and student aid 2024. https://research.collegeboard.org/trends/college-pricing

•U.S. News & World Report. (2024). Net price calculator guide. https://www.usnews.com/education/best-colleges/features/net-price-calculator

•University of Illinois System Net Price Calculators
   oUniversity of Illinois Chicago. https://docs.financialaid.uic.edu/
   oUniversity of Illinois Springfield. https://www.uis.edu/financial-aid/cost-attendance/net-price-calculator
   oUniversity of Illinois Urbana-Champaign. https://secure.osfa.illinois.edu/NPC/NPC.asp
 
Research & Data
•Sallie Mae. (2024). How America pays for college 2024. https://www.salliemae.com/about/leading-research/how-america-pays-for-college/

•U.S. Census Bureau. (2024). Post-secondary employment outcomes (PSEO) database. https://lehd.ces.census.gov/applications/pseo/?type=earnings&compare=postgrad&specificity=2&state=08&institution=08&degreelevel=05&gradcohort=0000-3&filter=75&program=52
 
Illinois 529 Plan Information
•Bright Start college savings program. https://www.brightstart.com 

•Bright Directions college savings program. https://www.brightdirections.com 

•Flywire partners with Ascensus to digitize 529 college savings plan payments. https://ir.flywire.com/news-releases/news-release-details/flywire-partners-ascensus-digitize-529-college-savings-plan

Video Resources
•Get Savvy Series: Investing 101 - Wealth building basics. https://youtu.be/wXkrLQd10Yg?si=pYVOYL6_OU6KJJvV

•Get Savvy Series: Investing 102 - Risks & rewards. https://youtu.be/qXZrktJwOtQ?si=LddQF-R9ycxYAK-Z
 
U of I SMMC Blog Articles
•Mutual funds vs exchange traded funds. https://blogs.uofi.uillinois.edu/view/7550/1323172623

•How the Rule of 72 can help you build wealth—or sink deeper into debt. https://blogs.uofi.uillinois.edu/view/7550/446933598

Relevant Previous Episodes
•Saving for College with a 529 Savings Plan (Ep. 11) https://blogs.uofi.uillinois.edu/view/7550/2145536872

•Choosing a financial professional (Ep. 25) https://blogs.uofi.uillinois.edu/view/7550/518681996

•Investing to reach financial goals (Ep. 57) https://blogs.uofi.uillinois.edu/view/7550/1002945600

•World investor week (Ep. 71). https://blogs.uofi.uillinois.edu/view/7550/1405333500

Episode 111: 529 Day

On the latest episode of Making Cents of Money, join economist Chasse Rehwinkel as he discusses tariffs’ impact on our history and how we can brace for the impacts of changing tariff policies in the present and future



Show Notes

Previous episodes with Chasse Rehwinkel:
•	Ep. 79, What Happens When a Bank Fails?: https://blogs.uofi.uillinois.edu/view/7550/1732000561
•	Ep. 47, Community Reinvestment Act: https://blogs.uofi.uillinois.edu/view/7550/793516993
•	Ep. 14, Short-selling: https://blogs.uofi.uillinois.edu/view/7550/433822269
•	Ep. 2, Banked or Unbanked – Choosing Financial Services for You: https://blogs.uofi.uillinois.edu/view/7550/465787932

Recent Data and Reports
•	Budget Lab at Yale University. (2025, April 15). State of U.S. Tariffs: April 15, 2025. https://budgetlab.yale.edu/research/state-us-tariffs-april-15-2025 
•	Budget Lab at Yale University. (2025, April). Where We Stand: The Fiscal, Economic, and Distributional Effects of All U.S. Tariffs Enacted in 2025 Through April 2. https://budgetlab.yale.edu/research/where-we-stand-fiscal-economic-and-distributional-effects-all-us-tariffs-enacted-2025-through-april 
•	Deloitte Insights. (2025, April). US tariffs impact economy. https://www2.deloitte.com/us/en/insights/economy/spotlight/united-states-tariffs-impact-economy.html 
•	Tax Foundation. (2025, April). Trump Tariffs: The Economic Impact of the Trump Trade War. https://taxfoundation.org/research/all/federal/trump-tariffs-trade-war/ 

News Articles and Analysis
•	Cameron, H. (2025, April). 'Shark Tank' inventor tests whether people will pay more for "made in USA". Newsweek. https://www.newsweek.com/shark-tank-inventor-american-made-tariff-experiment-2064087 
•	LaRocco, L.A. (2025, April 12). Trump tariffs won't lead supply chains back to U.S., companies will go low-tariff globe-hopping: CNBC survey. CNBC. https://www.cnbc.com/2025/04/14/tariffs-wont-bring-manufacturing-back-to-us-supply-chain-survey.html 

Historical Context and Academic References
•	Duster, C. (2025, March 6). Did tariffs contribute to the Great Depression? Here's what to know. NPR. https://www.npr.org/2025/03/06/nx-s1-5318076/tariffs-great-depression-explainer 
•	National Association of Manufacturers. (2025, April). Tariffs: 1930 Versus 2025. https://nam.org/tariffs-1930-versus-2015-33709/ 
•	U.S. Department of State, Office of the Historian. (n.d.). Protectionism in the Interwar Period. https://history.state.gov/milestones/1921-1936/protectionism  
•	U.S. Senate (n.d.). The senate passes the Smoot-Hawley tariff. https://www.senate.gov/artandhistory/history/minute/Senate_Passes_Smoot_Hawley_Tariff.htm

Government Documents
•	White House. (2025, April). Regulating Imports with a Reciprocal Tariff to Rectify Trade Practices that Contribute to Large and Persistent Annual United States Goods Trade Deficits. https://www.whitehouse.gov/presidential-actions/2025/04/regulating-imports-with-a-reciprocal-tariff-to-rectify-trade-practices-that-contribute-to-large-and-persistent-annual-united-states-goods-trade-deficits/ 
•	White House. (2025, April). Fact Sheet: President Donald J. Trump Declares National Emergency to Increase our Competitive Edge, Protect our Sovereignty, and Strengthen our National and Economic Security. https://www.whitehouse.gov/fact-sheets/2025/04/fact-sheet-president-donald-j-trump-declares-national-emergency-to-increase-our-competitive-edge-protect-our-sovereignty-and-strengthen-our-national-and-economic-security/ 

Episode 38: Mortgages

Making Cents of Money

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