In this Meaningful People episode, financial advisor Moshe Alpert and community advocate Shmuly Hartstein unpack why many frum “middle‑class” families earning $200–300K still feel underwater—tuition that rivals a salary, yom tov and camp costs, seminary and simcha expectations, and the quiet creep of credit‑card debt. They debate income‑based tuition and communal funding versus personal responsibility, and share practical moves: make a real plan, build a budget, ask for a raise or start a side hustle, prioritize local schools in tzedakah, consider lower‑cost simchas or out‑of‑town living, and protect your family with insurance and a will. A candid, solutions‑oriented conversation about money, values, and making frum life sustainable.

Moshe Alpert is a Financial Advisor at Ceremian Financial and author of the book ‘Frum Financial Planning: The Easy-to-Read Money Guide for the Orthodox Jewish Community’. https://a.co/d/hsRZrEe and Ceremian.com

Shmuel Hartstein is the founder of Bsefer Chayim, an organization that promotes signing up for Life Insurance in our community. https://www.bseferchayim.org/

This episode was made possible thanks to our sponsors:

►Blooms Kosher

Bring you the best Kosher products worldwide.

https://bloomskosher.com

______________________________________

► Colel Chabad Pushka App – The easiest way to give Tzedaka

https://pushka.cc/meaningful

_______________________________________

► Dream Raffle

Win a brand new and fully furnished $1,200,000 apartment in Yerushalayim!

Use Promo code MPP for $10 off and to receive double tickets!

https://thedreamraffle.com

_____________________________________

► Lalechet

We’re a team of kosher travel experts, here to carry you off to your dream destination swiftly, safely, and seamlessly in an experience you will forever cherish.

https://www.lalechet.com

___________________________________________

► Town Appliance – Visit the website or message them on WhatsApp

https://www.townappliance.com

https://bit.ly/Townappliance_whatsapp

______________________________________

► Touro

Lander College for Men/Beis Medrash L’Talmud offers a unique blend of rigorous Torah study and strong academics, providing students with both spiritual growth and professional preparation. With devoted rebbeim, supportive faculty, and access to Touro’s graduate and professional programs, students can pursue over 20 majors and pre-professional tracks — including medicine, law, business, and technology — while maintaining their Jewish values.

Highlights include the Medical Honors Pathway with New York Medical College, personalized support services, and an exceptional record of graduate school acceptances.

Prospective students are invited to attend the Open House on November 9 to learn more.

Visit http://www.lcm.touro.edu/openhouse

______________________________________

► Ketubah – Free Shipping with Code MPP25!

At Ketubah.com, every Kesubah is designed with care, blending timeless beauty with texts that are fully halachic, including RCA and Sephardic versions. Our team collaborates with rabbanim and mesadrei kiddushin to ensure each document is accurate and accepted without question. Choosing Ketubah.com means you arrive at your chuppah with peace of mind, knowing your Kesubah is both beautifully crafted and halachically sound.

Use code MPP25 for free shipping!

https://ketubah.com/meaningful-minutes/?utm_source=Podcast&utm_medium=Clickthrough&utm_campaign=meaningful-people-podcast

______________________________________

► Eishet Chayil

Eishet Chayil — The Woman of Valor is a new book by Rabbi Yossi Marcus that brings King Solomon’s classic poem to life through the stories of 24 remarkable Jewish women — from Sarah and Miriam to Esther and beyond. Drawing on millennia of Jewish scholarship, especially the teachings of the Lubavitcher Rebbe, the book celebrates women of faith, courage, and wisdom.

Each verse is paired with contemporary artwork by Israeli artist Lia Baratz, making the book both educational and inspirational for readers of all ages. Dedicated to the women of Nahal Oz who were killed on October 7, 2023, it stands as a tribute to Jewish women of valor throughout history.

Already in its second printing, Eishet Chayil is an ideal gift for Bat Mitzvahs, brides, wives, and mothers. Available at https://www.eishetchayil.com and https://store.kehotonline.com/mobile/

Use code MM20 for 20% off when checking out on Kehot.com.