The Psychology of Spending, Debt and Budgeting, with Abigail Sussman, PhD | Speaking of Psychology
Buy‑now‑pay‑later (BNPL) schemes have exploded, adding a new layer to consumer decision‑making. Abigail Sussman, PhD, explains how payment‑splitting tricks the brain into perceiving purchases as cheaper, while people routinely overlook irregular costs in their budgets. She also highlights why many households carry debt even when they have savings, citing optimism and mental‑accounting biases. The discussion concludes with research‑backed tactics—such as detailed expense tracking and realistic budgeting—to curb impulsive spending and improve financial health.
📈 Simple Financial Planning: Building a Wealth Foundation — Finance Course
The video introduces a foundational financial‑planning model, emphasizing that any forecast begins with a sales estimate. Professor Farhad explains that a financial model is a “what‑if” tool that projects future performance based on key assumptions, with sales serving as the...
This 401(k) Trend Is ABSOLUTELY DEVASTATING (And Getting Worse)
The video warns that a growing share of employees are tapping 401(k) accounts early, a pattern the hosts label “devastating” for retirement wealth. Data from Vanguard shows hardship withdrawals rose from roughly 2 % before the pandemic to 6 % last year, meaning...
3 Dividend Stocks for April 2026
Morningstar’s dividend‑stock video spotlights three recent dividend raisers—Air Products & Chemicals, Fidelity National Information Services, and Swiss‑based Roche Holding (RO). Each company carries a Morningstar economic moat rating, signaling durable competitive advantages, and all are positioned as potential income generators...
You're Wasting Your Amex Points and Amex Just Proved It
The video dissects a recent American Express email that revealed how members actually use their Membership Rewards points. Contrary to the common belief that transfers dominate, the data showed the top three redemptions were gift cards, statement credits, and...
An Investment Account Is Coming to Ireland Next Year. Tune in Next Thursday to Get All the Details.
Ireland is preparing to launch a new investment account next year, modeled after Sweden’s popular tax‑advantaged scheme. The proposal promises a €28,000 tax‑free allowance and a low, flat tax on the remaining balance. Under the four guiding principles, investors will pay...
Why Does My Tax Return Ask About Income Contingent Student Loans?
The video explains why self‑assessment tax returns now include a question about Income‑Contingent Student Loans (ICSL). It clarifies which loans fall under the post‑1998 scheme and outlines when repayment obligations commence, depending on study mode and course completion dates. Key points...
John Ciampaglia: Morgan Stanley Just Killed the 60-40 Portfolio #Gold #Investing
Morgan Stanley recently announced that the classic 60‑40 portfolio—60 % equities and 40 % bonds—is dead, and the firm is now advocating a 60‑20‑20 split that adds gold as a core component. The shift reflects persistent low yields on Treasuries, which no longer...
How To Buy Bitcoin In 10 Minutes (Step By Step)
The video walks viewers through a step‑by‑step guide to buying Bitcoin within ten minutes, while framing the purchase as timely given a recurring head‑and‑shoulders chart pattern that historically precedes a consolidation phase and a subsequent bull run. It highlights that...
Separate Finances Can Get Complicated
The video captures a financial planning discussion between Chrissy and Nathan, who have historically kept their finances separate. They detail contributions to a 457(b) plan, Roth accounts, and a cash‑match program, while noting a 27.6% personal savings rate that drops...
You’re Going Broke… And It’s Affecting Your Family: George Kamel
In a candid interview, financial coach George Kamel explains why many men feel broke despite solid earnings, linking money anxiety to a loss of personal control. He highlights how financial stress silently undermines marriages and leadership roles, and warns that...
SECURE Act Changed Who Inherits Your IRA — Is Your Heir in First Class or Basic Economy?
The video explains how the SECURE Act has fundamentally altered the rules governing inherited IRAs, likening the new landscape to the tiered seating on modern airline flights. Where once most heirs could stretch required minimum distributions over their life expectancy,...
Protect Your Profits Before the Next Crash (Get Paid to Hedge Your Stocks)
The video walks viewers through the protective‑collar option strategy, a low‑cost hedge that lets investors lock in stock gains without selling the underlying shares. It explains when the trade makes sense—typically after a position has appreciated, during periods of expected...
How Do You Spot Disruption Before It Happens?
The video tackles the challenge of identifying disruptive forces before they upend an industry, using artificial intelligence as the metaphorical dragon looming over SaaS firms. It argues that most disruptors remain invisible until they fundamentally alter the tools and processes...
Better than an Emergency Fund? | CAOS ETF
The video proposes the Alpha Architect Risk ETF (ticker CAOS) as a potential upgrade to traditional emergency‑fund holdings, arguing that capital reserves should not only be liquid but also capable of delivering positive returns and crisis‑alpha during economic downturns. It outlines...
Invest Like This, And The Government Will Literally Pay You for Life
The video argues that the 7,000‑page U.S. tax code is less a bill of liabilities than a menu of incentives, urging investors to channel capital into sectors the government deems essential—housing, energy, infrastructure, and emerging technology—by taking advantage of built‑in...
Your Portfolio's Safety Cushion MUST Meet Minimum Safety Standards!
The video stresses that a portfolio’s safety cushion must be built exclusively from investments that satisfy three non‑negotiable attributes: 100% principal protection, full liquidity, and zero volatility. Any asset lacking even one of these qualities is deemed unsuitable for the...
What Is Buy Now Pay Later? | Online Shopping
Buy Now, Pay Later (BNPL) is a short‑term financing model that lets online shoppers split a purchase into typically four installments, often advertised as interest‑free when payments are made on schedule. The video outlines how the structure works, using a...
Are Differing Views on Finances a Red Flag in a Relationship?
The video explores three red‑flags couples should watch before marriage, focusing on how divergent habits—especially financial attitudes—can become problematic once romance turns into partnership. First, the speaker warns that traits that attract partners, such as one person’s disciplined, “OCD‑like” approach versus...
We're Always Talking About Reasons to Invest in a Stock, but What Are some of the Reasons Not To
The episode flips the usual investment narrative, focusing on why investors should actively identify red flags that keep a stock off their watchlist. Host Jared explains that while revenue graphs and profit trends dominate most discussions, a disciplined “no‑fly list” of...
These 8 Funds Could Help Steady Portfolios During Rough Markets
The Investing Insights episode spotlights eight balanced and allocation funds that can help investors weather heightened market volatility, especially amid geopolitical tensions such as the war in Iran. Russ Kinnel of Morningstar explains that mixing equities with bonds automatically dampens swings,...
Jonathan Wellum: What To Do During a 10–20% Market Drop
The video centers on how advisors should respond when markets tumble 10‑20%, emphasizing that emotional discipline, valuation focus, asset allocation, and a measured, "lethargic" approach are essential. Jonathan Wellum argues that the advisor’s temperament is the greatest asset, quoting Warren...
3 Great Portfolio Diversifiers and 3 to Avoid
The video outlines a framework for building a resilient investment portfolio by pairing a solid core of large‑cap equities and investment‑grade bonds with true diversifiers that move independently of that core. It highlights three assets that can add low‑correlation returns:...
Patrick Adams: When Stock Crashes Matter for Long-Term Investors | Rational Reminder 403
The Rational Reminder episode features MIT PhD candidate Patrick Adams, who examines why stock market crashes can be perilous for long‑term investors when they are forced to sell. Using a novel data set drawn from individual tax returns covering 1998‑2023,...
Why Are Property Prices STILL Rising? (No One Expected This) | Dr Andrew Wilson
The video examines why Australia’s property market continues to climb despite rising interest rates, inflation worries and geopolitical headwinds. Host Michael Yardney and housing economist Dr. Andrew Wilson review the latest My Housing Market data, highlighting a 0.9% month‑on‑month increase...
Jonathan Wellum: Why I Don’t Worry About Gold Dips #gold #goldinvesting #goldprice #preciousmetals
In a recent interview, value‑investor Jonathan Wellum explains why he isn’t rattled by recent gold price dips, emphasizing a long‑term perspective that looks beyond short‑term volatility. Wellum notes that gold has surged dramatically over the past two years, with a sharp...
The $1M Mistake Almost Everyone Makes in Their 30s
The video warns that many in their 30s squander pay raises, creating a “seven‑figure mistake” by allowing lifestyle creep to eat extra income instead of boosting savings. Using a simple model, the host compares two 30‑year‑olds earning $70,000. Aaron keeps his...
Which Beaten Down Stocks Are Worth a Closer Look?
The episode examines why the U.S. equity market can post a 15% gain while a sizable slice of individual stocks languish in double‑digit losses. Host Duncan and guests dissect the recent sell‑off in the so‑called MAG7 mega‑caps—Apple, Microsoft, Alphabet, Amazon,...
The Shocking Maths of Working (Just) One More Year
The video walks viewers through a real‑world case study of Dan and Freya, a late‑50s couple evaluating whether to retire now or defer by a year. Using financial‑planning software, the adviser shows that postponing retirement would leave them roughly £200,000...
Women’s Wednesday: From FD to Equity | Smart MF Strategies Decoded | The Money Show | ET Now
The Money Show’s Women’s Wednesday episode tackled common investor questions, guiding listeners on moving money from fixed deposits to equities. Experts detailed how to balance large‑cap, mid‑cap, and small‑cap holdings, and clarified the differences between systematic withdrawal plans and dividend...
ISA Myths Busted with Robinhood
The Market Musings podcast with Robinhood’s UK lead analyst Dan Lane focused on debunking common ISA myths as the UK tax‑free investment deadline approaches. Listeners learned that a stocks‑and‑shares ISA allows up to £20,000 of annual contributions, shielding capital gains,...
Legal Fees Explained: The Real Cost of Buying or Selling a House
The video walks viewers through the true cost structure of buying or selling a home, distinguishing between solicitor fees – the professional service charge – and disbursements, which are third‑party expenses such as land‑registry fees, search costs and management‑company charges. Napton...
Quick Lesson #8 with Prof. Annamaria Lusardi: Retirement Planning 🏌️
In a brief video, Stanford economist Annamaria Lusardi outlines a two‑step framework for retirement planning, emphasizing early savings and strategic use of available financial tools. She stresses that beginning contributions early harnesses compound growth, making a modest annual deposit far more...
Quick Lesson #7 with Prof. Annamaria Lusardi: Tax-Advantaged Savings and Employer Matches 💵
In a brief lesson, Stanford professor Annamaria Lusardi explains how tax‑advantaged accounts and employer matching contributions can accelerate personal savings. She outlines the three primary vehicles—401(k) retirement plans, Health Savings Accounts, and 529 education accounts—highlighting that contributions are either tax‑deferred or...
Do Not Buy a House in These 10 States (Mortgage Affordability Crisis)
The video outlines the ten U.S. states where mortgage payments now consume an outsized share of household earnings, flagging a nationwide affordability crisis. California tops the list with a 60.6% mortgage‑to‑income ratio, followed by Hawaii at 58.6%, and New Jersey,...
Assets in College Savings Plans Skyrocket—Here’s How to Use Them
The video highlights the rapid expansion of 529 college‑savings plans, noting an 8% jump in contributions from $43 billion in 2024 to roughly $46 billion in 2025 and a record $603 billion in total assets last year. Growth is fueled by both market appreciation...
The Listed Fund Giving Investors Access to Sydney's Apartment Boom
The Metrics Real Estate Multist Strategy Fund (ticker MRE) is a listed vehicle that gives investors exposure to Australia’s booming high‑density residential market, particularly Sydney’s apartment surge, while also offering a diversified real‑estate equity component. Managed by Andrew Locker...
The Playbook to Build Wealth With An Average Income
The video outlines a practical playbook for building wealth on an average American income, noting that the median household earnings hover just under $84,000. Host Brent emphasizes that wealth creation is not exclusive to six‑figure earners; with a clear plan...
The Exact Order To Invest Your Money (Most People Get This Wrong)
The video explains that the sequence in which you allocate money—starting with safety nets and debt—determines long‑term wealth far more than chasing hot stocks. It recommends first a $1,000 emergency stash, then a full 3‑6‑month liquid reserve, followed by eliminating any...
Gold Just Had Its Worst Week In 43 Years — Something Is Wrong With The System Beneath It
The video examines an unprecedented 11% plunge in gold—the steepest weekly drop in 43 years—occurring amid the U.S.‑Iran conflict and soaring oil prices. Historically, wars boost gold’s appeal as a refuge, yet this episode defied that pattern, prompting a deeper...
FundsIndia Private Wealth Presents The Future of Private Wealth | EP02 | N18M
Funds India Private Wealth’s episode on “The Future of Private Wealth” spotlights the urgent need for structured, intergenerational wealth planning in India. While wealth creation receives ample attention, the conversation shifts to protecting, documenting, and smoothly transitioning assets across families,...
Rethinking Tax Refunds and Financial Decision Making
The episode explores how Americans handle tax refunds, revealing a behavioral bias that treats these refunds as windfalls rather than regular income, which often leads to overspending. Host Dan Looney and Wharton marketing professor Wendy de la Rosa discuss the inefficiencies...
Why Delaying Student Loan Payments Benefits Everyone
The London Business School podcast explores how the timing of student‑loan repayments shapes graduates’ financial trajectories. Professor Francisco Gomez explains that in the UK the surge in debt stems mainly from a growing cohort of borrowers, while in the US...
Steven Feldman: You Have Life Insurance — Why Not Gold Portfolio Insurance? #Gold #Investing
The video frames gold as a form of portfolio insurance, likening it to the ubiquitous practice of purchasing life insurance to protect one’s family. Feldman argues that just as individuals secure life coverage, they should similarly shield their investment portfolios...
Should You Buy an Annuity Now?
Retirement advisers are revisiting annuities as a potential source of stability after years of low bond yields. The discussion centers on whether now is a good time to lock a pension pot into a guaranteed income product, given recent shifts...
How Much Car Can You Actually Afford? (By Salary)
The video breaks down how much car you can truly afford by tying vehicle costs to four income brackets—$50,000, $75,000, $100,000 and $150,000. It starts with the stark fact that the average new‑car payment in the United States is $767...
The Truth About Passive Income
The video tackles the polarizing debate around passive income, arguing that it is real but often misunderstood. The creator, drawing on a decade of experience, outlines how he generated over a million dollars annually through multiple online streams, while emphasizing...
Telix Pharmaceuticals Has Taken Off Like a Rocket #stockclub #asxstocks
Telix Pharmaceuticals, an Australian biotech specializing in radiopharmaceutical diagnostics and therapeutics, has posted explosive revenue growth over the past five years. Revenue climbed from A$4 million in FY2020 to A$5.5 million in FY2021, then surged to A$109 million in FY2022, A$333 million in FY2023, A$516 million...
Retirement Withdrawal Sequencing Rules of the Road
The video walks viewers through the complexities of sequencing retirement withdrawals to minimize tax liabilities, featuring Morningstar’s personal‑finance director Christine Benz. Benz outlines the tax hierarchy of account types—Roth IRAs and 401(k)s at the top with tax‑free distributions and no required...
Income Producing Assets Every Entrepreneur Should Own
The video argues that entrepreneurs who focus solely on client work miss the most reliable path to wealth—owning income‑producing assets that generate cash regardless of daily effort. It outlines ten asset classes, from REITs (4‑7% yields) and infrastructure funds (7‑8% distributions)...