<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:googleplay="http://www.google.com/schemas/play-podcasts/1.0" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:media="http://search.yahoo.com/mrss/" xmlns:podcast="https://podcastindex.org/namespace/1.0"><channel><atom:link href="https://feeds.captivate.fm/hertwocents/" rel="self" type="application/rss+xml"/><title><![CDATA[HERTWOCENTS]]></title><podcast:guid>7fe34c8d-f8cc-5cf2-b723-3034763577b2</podcast:guid><lastBuildDate>Fri, 13 Nov 2026 10:00:02 +0000</lastBuildDate><generator>Captivate.fm</generator><language><![CDATA[en]]></language><copyright><![CDATA[Copyright 2026 SOPHIE ZHANG]]></copyright><managingEditor>SOPHIE ZHANG</managingEditor><itunes:summary><![CDATA[Real estate gets complicated. We make it entertaining.  Hosted by a Toronto-area Realtor and a lawyer, Her Two Cents gives you the honest, unfiltered conversations you actually need before buying, selling, investing, or dealing with the mess that can happen after the deal is signed.  Amy knows how to make the deal. Sophie knows what happens when the deal goes sideways.  From buying your first home and surviving bidding wars to mortgages, closing costs, legal surprises, real estate scams, bad deals, and downright bizarre property disputes, we break it all down with a mix of real-world experience, legal insight, humour, and a healthy dose of skepticism. Whether you're a first-time buyer, seasoned homeowner, investor, Realtor, or just fascinated by the drama behind the front door — we've got our two cents.]]></itunes:summary><image><url>https://artwork.captivate.fm/6406cc0d-87dd-4b74-b4d5-82cb64507ed5/Her-Two-Cents-1400.jpg</url><title>HERTWOCENTS</title><link><![CDATA[https://hertwocents.captivate.fm]]></link></image><itunes:image href="https://artwork.captivate.fm/6406cc0d-87dd-4b74-b4d5-82cb64507ed5/Her-Two-Cents-1400.jpg"/><itunes:owner><itunes:name>SOPHIE ZHANG</itunes:name></itunes:owner><itunes:author>SOPHIE ZHANG</itunes:author><description>Real estate gets complicated. We make it entertaining.  Hosted by a Toronto-area Realtor and a lawyer, Her Two Cents gives you the honest, unfiltered conversations you actually need before buying, selling, investing, or dealing with the mess that can happen after the deal is signed.  Amy knows how to make the deal. Sophie knows what happens when the deal goes sideways.  From buying your first home and surviving bidding wars to mortgages, closing costs, legal surprises, real estate scams, bad deals, and downright bizarre property disputes, we break it all down with a mix of real-world experience, legal insight, humour, and a healthy dose of skepticism. Whether you&apos;re a first-time buyer, seasoned homeowner, investor, Realtor, or just fascinated by the drama behind the front door — we&apos;ve got our two cents.</description><link>https://hertwocents.captivate.fm</link><atom:link href="https://pubsubhubbub.appspot.com" rel="hub"/><itunes:subtitle><![CDATA[Real estate, law, and the stories they don’t teach you in the brochure.]]></itunes:subtitle><itunes:explicit>false</itunes:explicit><itunes:type>episodic</itunes:type><itunes:category text="Business"><itunes:category text="Entrepreneurship"/></itunes:category><itunes:category text="Business"><itunes:category text="Investing"/></itunes:category><itunes:category text="Business"></itunes:category><podcast:locked>no</podcast:locked><podcast:medium>podcast</podcast:medium><item><title>Episode 3: End Game — Closing Costs, Closing Day &amp; Getting Your Keys</title><itunes:title>Episode 3: End Game — Closing Costs, Closing Day &amp; Getting Your Keys</itunes:title><description><![CDATA[<p>Your offer is accepted—but what happens before you get the keys? 🏡🔑</p><p>In this episode of Her Two Cents, Amy Kim and Sophie Zhang talk about the home closing process, the costs to prepare for, and what to expect on closing day.</p><p>From budgeting beyond your down payment to understanding the steps leading up to possession, we walk through the final stretch of buying a home.</p><p>In this episode:</p><p>• Closing costs and the expenses to plan for.</p><p>• What happens between an accepted offer and closing day.</p><p>• What to expect on the day your purchase closes.</p><p>• Getting your keys and taking possession of your new home.</p><p>Buying a home is a big milestone. Knowing what comes next can help you feel more prepared for it.</p><p>Have a closing-day question? Send us your two cents! 💬</p><p>This episode provides general information only and does not constitute legal or financial advice. Costs and procedures vary depending on your transaction and location. Please seek advice specific to your circumstances.</p>]]></description><content:encoded><![CDATA[<p>Your offer is accepted—but what happens before you get the keys? 🏡🔑</p><p>In this episode of Her Two Cents, Amy Kim and Sophie Zhang talk about the home closing process, the costs to prepare for, and what to expect on closing day.</p><p>From budgeting beyond your down payment to understanding the steps leading up to possession, we walk through the final stretch of buying a home.</p><p>In this episode:</p><p>• Closing costs and the expenses to plan for.</p><p>• What happens between an accepted offer and closing day.</p><p>• What to expect on the day your purchase closes.</p><p>• Getting your keys and taking possession of your new home.</p><p>Buying a home is a big milestone. Knowing what comes next can help you feel more prepared for it.</p><p>Have a closing-day question? Send us your two cents! 💬</p><p>This episode provides general information only and does not constitute legal or financial advice. Costs and procedures vary depending on your transaction and location. Please seek advice specific to your circumstances.</p>]]></content:encoded><link><![CDATA[https://hertwocents.captivate.fm]]></link><guid isPermaLink="false">6f825c8b-c84e-4bd8-be50-6ac65157a636</guid><itunes:image href="https://artwork.captivate.fm/6406cc0d-87dd-4b74-b4d5-82cb64507ed5/Her-Two-Cents-1400.jpg"/><pubDate>Fri, 13 Nov 2026 05:00:00 -0500</pubDate><enclosure url="https://episodes.captivate.fm/episode/6f825c8b-c84e-4bd8-be50-6ac65157a636.mp3" length="22014864" type="audio/mpeg"/><itunes:duration>22:56</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:episodeType>full</itunes:episodeType><itunes:season>1</itunes:season><itunes:episode>3</itunes:episode><podcast:episode>3</podcast:episode><podcast:season>1</podcast:season></item><item><title>Episode 2: Paper Rings — Moving In, Buying Homes &amp; Who Owns What</title><itunes:title>Episode 2: Paper Rings — Moving In, Buying Homes &amp; Who Owns What</itunes:title><description><![CDATA[<p>Love might bring you together, but moving in together comes with practical questions: Should you rent or buy? Whose name goes on the paperwork? And what happens when one partner already owns a home?</p><p>In this episode of Her Two Cents, Amy Kim and Sophie Zhang talk about buying and renting a home with a partner, and the conversations worth having when you bring different financial circumstances into a relationship.</p><p>We discuss:</p><p>• Buying a home together versus renting together.</p><p>• Moving into a property that one partner already owns.</p><p>• Navigating unequal contributions and expectations.</p><p>• Talking openly about housing, money, and your future together.</p><p>Whether you’re planning your first place together or moving into your partner’s home, join us for a conversation about where love meets the paperwork.</p><p>What’s your two cents? Would you move into a home your partner owns? Tell us what you think!</p><p>This episode is for general information and discussion only and does not constitute legal or financial advice. Your rights and obligations depend on your circumstances and the applicable law. Please seek advice specific to your situation.</p>]]></description><content:encoded><![CDATA[<p>Love might bring you together, but moving in together comes with practical questions: Should you rent or buy? Whose name goes on the paperwork? And what happens when one partner already owns a home?</p><p>In this episode of Her Two Cents, Amy Kim and Sophie Zhang talk about buying and renting a home with a partner, and the conversations worth having when you bring different financial circumstances into a relationship.</p><p>We discuss:</p><p>• Buying a home together versus renting together.</p><p>• Moving into a property that one partner already owns.</p><p>• Navigating unequal contributions and expectations.</p><p>• Talking openly about housing, money, and your future together.</p><p>Whether you’re planning your first place together or moving into your partner’s home, join us for a conversation about where love meets the paperwork.</p><p>What’s your two cents? Would you move into a home your partner owns? Tell us what you think!</p><p>This episode is for general information and discussion only and does not constitute legal or financial advice. Your rights and obligations depend on your circumstances and the applicable law. Please seek advice specific to your situation.</p>]]></content:encoded><link><![CDATA[https://hertwocents.captivate.fm]]></link><guid isPermaLink="false">8350ef64-9296-41bc-9a5a-0270f43696b3</guid><itunes:image href="https://artwork.captivate.fm/6406cc0d-87dd-4b74-b4d5-82cb64507ed5/Her-Two-Cents-1400.jpg"/><pubDate>Fri, 06 Nov 2026 05:00:00 -0500</pubDate><enclosure url="https://episodes.captivate.fm/episode/8350ef64-9296-41bc-9a5a-0270f43696b3.mp3" length="39452304" type="audio/mpeg"/><itunes:duration>41:06</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:episodeType>full</itunes:episodeType><itunes:season>1</itunes:season><itunes:episode>2</itunes:episode><podcast:episode>2</podcast:episode><podcast:season>1</podcast:season></item><item><title>Episode 1: Are You Ready for It? — Welcome to Her Two Cents</title><itunes:title>Episode 1: Are You Ready for It? — Welcome to Her Two Cents</itunes:title><description><![CDATA[<p>Welcome to Her Two Cents! Meet Amy, the Realtor, and Sophie, the Lawyer, as we introduce ourselves and talk about how we met, what we do, and why we started this podcast.</p><p>We’re diving into the real estate market, asking the big questions: Should you buy, sell, or wait? Is another era of soaring home prices coming? And what’s actually shaping the market today?</p><p>Real estate, law, money, and a little bit of chaos — we’re giving you our two cents.</p>]]></description><content:encoded><![CDATA[<p>Welcome to Her Two Cents! Meet Amy, the Realtor, and Sophie, the Lawyer, as we introduce ourselves and talk about how we met, what we do, and why we started this podcast.</p><p>We’re diving into the real estate market, asking the big questions: Should you buy, sell, or wait? Is another era of soaring home prices coming? And what’s actually shaping the market today?</p><p>Real estate, law, money, and a little bit of chaos — we’re giving you our two cents.</p>]]></content:encoded><link><![CDATA[https://hertwocents.captivate.fm]]></link><guid isPermaLink="false">99dc6df7-5b9f-432a-ae3b-7edcff9694f6</guid><itunes:image href="https://artwork.captivate.fm/6406cc0d-87dd-4b74-b4d5-82cb64507ed5/Her-Two-Cents-1400.jpg"/><pubDate>Wed, 09 Sep 2026 15:00:00 -0400</pubDate><enclosure url="https://episodes.captivate.fm/episode/99dc6df7-5b9f-432a-ae3b-7edcff9694f6.mp3" length="23453716" type="audio/mpeg"/><itunes:duration>24:26</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:episodeType>full</itunes:episodeType><itunes:season>1</itunes:season><itunes:episode>1</itunes:episode><podcast:episode>1</podcast:episode><podcast:season>1</podcast:season></item></channel></rss>