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Having kids is a huge life decision, and more American women are either delaying motherhood or choosing not to have kids at all. Despite the short-term plunge \u2014 and comeback \u2014 during the early years of the pandemic, the birth rates have been consistently trending down. There are a few reasons for this, namely, kids are really expensive, and millennials have a lot of student loan debt to pay off.\nJade Warshaw, cohost and debt elimination expert on the Ramsey Show, found herself in almost half a million dollars of debt, but was able to completely change her financial life in order to ensure she could start the family she\u2019d always dreamed of. In her new book, \u201cMoney\u2019s Not a Math Problem,\u201d she goes over the easiest ways to create a budget that works, pay down debt, and free yourself from negative money mindsets that may be holding you back.\xa0\nIn Mailbag, we hear from a listener who\u2019s getting a jump start on taxes and is wondering whether to report her side gig to the IRS. We also hear from someone who just paid down her debt (yay!) and wants to know the best place to put the extra $300 she has a month. In our money tip of the week, Bitcoin ETFs were just approved\u2026 is now the time to buy?\xa0\nHave thoughts about the show that you\u2019re dying to share? Take our podcast and community survey! We can't wait to hear what you think.\nThe HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney.\nPlease contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com.\nLearn more about your ad choices. Visit megaphone.fm/adchoices