Episodes

  • Debt: We Explain Simply Why The Avalanche Method Beats Snowball

    Debt: We Explain Simply Why The Avalanche Method Beats Snowball
    Feb 11 2026
    Allright, debt is crushing and today, we're going to attack the enemy in the room! How you repay debt using Avalanche will pave your way to wealth and beats Snowball anytime.

    The espisode outlines the Avalanche Debt Method, a financial strategy focused on minimizing interest costs by prioritizing debts with the highest interest rates. Unlike psychological approaches, this system is described as mathematically optimal, requiring you to pay minimum balances on most accounts while directing all surplus funds toward the most expensive loan. The episode suggests organizing liabilities into a priority list based on their annual percentage rates and transitioning the full payment amount to the next debt once one is settled. To ensure success, we emphasize the importance of halting new spending and establishing an emergency fund before beginning the repayment process. Ultimately, the episode presents this method as the most efficient path to solvency for disciplined individuals looking to save the maximum amount of money over time.



    Ever dream of hitting that first million? Yeah, us too! That's why we're bringing you Money Decoded – the podcast that breaks down the sometimes-intimidating world of investing into bite-sized, actionable advice you can actually use.

    We're not talking stuffy financial jargon or complicated algorithms. Each episode is like grabbing coffee with a friend who actually know what they're doing with their money!

    Ditch the ramen noodles and start building your financial future!

    BTW, we're Jess and Matt! Curating and sharing insider's insights to unleash your portfolio wealth building.

    Disclaimer: We are not financial advisors. The information shared on this podcast is for educational and entertainment purposes only and should not be considered financial advice. Always consult with a qualified professional before making any investment decisions
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    15 mins
  • Jess&Matt react to 'Why People with the Same Income End Up Rich or Broke' by Humphrey Yang

    Jess&Matt react to 'Why People with the Same Income End Up Rich or Broke' by Humphrey Yang
    Feb 9 2026
    Hi there, in this episode, we'll deep-dive in why looking rich makes you poor based on Humphrey Yang's Youtube video. Yes, you read well! Looking rich will make your poor!

    This episode examines why individuals with identical salaries often experience vastly different financial outcomes over several decades. Humphrey Yang argues that wealth accumulation is primarily driven by disciplined habits and defensive spending rather than just a high income. By highlighting common pitfalls like lifestyle inflation, high-interest debt, and failing to track expenses, the source illustrates how even high earners can end up living paycheck to paycheck. Conversely, Humphrey Yang advocates for investing early, prioritizing assets over liabilities, and adopting an abundance mindset to leverage the power of compound interest. Ultimately, Humphrey Yang suggests that long-term financial freedom is a result of mastering one's psychology and consistently living below one's means.

    Ever dream of hitting that first million? Yeah, us too! That's why we're bringing you Money Decoded – the podcast that breaks down the sometimes-intimidating world of investing into bite-sized, actionable advice you can actually use.

    We're not talking stuffy financial jargon or complicated algorithms. Each episode is like grabbing coffee with a friend who actually know what they're doing with their money!

    Ditch the ramen noodles and start building your financial future!

    BTW, we're Jess and Matt! Curating and sharing insider's insights to unleash your portfolio wealth building.

    Disclaimer: We are not financial advisors. The information shared on this podcast is for educational and entertainment purposes only and should not be considered financial advice. Always consult with a qualified professional before making any investment decisions
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    16 mins
  • Borrowing is building wealth for the long-haul

    Borrowing is building wealth for the long-haul
    Feb 7 2026
    Hi there!
    Guessing the market is a losing game. Borrowing is the real building wealth for the long-haul.

    To establish a robust financial future, we should prioritize efficient spending habits and strategic saving techniques over a narrow focus on investment returns. We should first distinguish between short-term needs and long-term aspirations to determine the appropriate risk level and account types for different pools of capital. It is essential to maximize tax-advantaged contributions, such as retirement and education funds, while maintaining an emergency cash reserve to protect invested principal. Beyond basic saving, we can enhance our wealth by utilizing tax-smart strategies like charitable giving and avoiding unnecessary liquidations through strategic borrowing. By managing outflows and optimizing asset placement, one can create a sustainable legacy that provides for both current lifestyle needs and future generations.

    Ever dream of hitting that first million? Yeah, us too! That's why we're bringing you Money Decoded – the podcast that breaks down the sometimes-intimidating world of investing into bite-sized, actionable advice you can actually use.

    We're not talking stuffy financial jargon or complicated algorithms. Each episode is like grabbing coffee with a friend who actually know what they're doing with their money!

    Ditch the ramen noodles and start building your financial future!

    BTW, we're Jess and Matt! Curating and sharing insider's insights to unleash your portfolio wealth building.

    Disclaimer: We are not financial advisors. The information shared on this podcast is for educational and entertainment purposes only and should not be considered financial advice. Always consult with a qualified professional before making any investment decisions
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    18 mins
  • Staking Crypto Is Active Capital Not Passive Income

    Staking Crypto Is Active Capital Not Passive Income
    Feb 5 2026
    Hi there,
    You hear and read 'Staking' everywhere and today, we'll unpack a lot for you!

    This guide explores cryptocurrency staking, a process where digital asset holders earn passive rewards by helping to secure and operate decentralized blockchain networks. Similar to earning interest in a traditional bank account, participants commit their funds to validators who verify transactions in exchange for a percentage-based yield. To begin, investors must select a compatible cryptocurrency, set up a digital wallet, and choose a reputable staking platform or exchange. While this strategy is ideal for long-term growth, users should be aware of varying payout rates, potential wait times for unstaking, and the inherent risks of network failure. Ultimately, staking is a user-friendly method to increase one's holdings without needing to sell their original assets.



    Ever dream of hitting that first million? Yeah, us too! That's why we're bringing you Money Decoded – the podcast that breaks down the sometimes-intimidating world of investing into bite-sized, actionable advice you can actually use.

    We're not talking stuffy financial jargon or complicated algorithms. Each episode is like grabbing coffee with a friend who actually know what they're doing with their money!

    Ditch the ramen noodles and start building your financial future!

    BTW, we're Jess and Matt! Curating and sharing insider's insights to unleash your portfolio wealth building.

    Disclaimer: We are not financial advisors. The information shared on this podcast is for educational and entertainment purposes only and should not be considered financial advice. Always consult with a qualified professional before making any investment decisions
    Show More Show Less
    15 mins
  • How to dig a moat to protect your money!

    How to dig a moat to protect your money!
    Feb 2 2026
    Hi there!
    You've built your money castle, now how do you protect it? Let's dig the moat!

    This episode outlines a comprehensive framework for safeguarding wealth against unpredictable threats like lawsuits, accidents, and divorce. A successful strategy begins with assessing individual risk exposure and understanding that state-level legal protections vary significantly. To build a robust defense, we should prioritize liability and umbrella insurance as an initial safeguard before moving to more complex structures. Utilizing business entities like LLCs can separate personal wealth from professional liabilities, while irrevocable trusts serve to protect inheritances from future creditors or marital dissolution. Ultimately, the episode highlights that these measures often require sacrificing some financial control and must be established well before any legal trouble arises to be effective.

    Ever dream of hitting that first million? Yeah, us too! That's why we're bringing you Money Decoded – the podcast that breaks down the sometimes-intimidating world of investing into bite-sized, actionable advice you can actually use.

    We're not talking stuffy financial jargon or complicated algorithms. Each episode is like grabbing coffee with a friend who actually know what they're doing with their money!

    Ditch the ramen noodles and start building your financial future!

    BTW, we're Jess and Matt! Curating and sharing insider's insights to unleash your portfolio wealth building.

    Disclaimer: We are not financial advisors. The information shared on this podcast is for educational and entertainment purposes only and should not be considered financial advice. Always consult with a qualified professional before making any investment decisions
    Show More Show Less
    16 mins
  • ChatGPT told us how to make a million dollars (and we're impressed!)

    ChatGPT told us how to make a million dollars (and we're impressed!)
    Jan 30 2026
    We asked ChatGPT how to make a million dollars! We're sharing the answer with you!

    This answer outlines a strategic framework for achieving a seven-figure net worth by focusing on ownership and scalability rather than simple saving. It presents five primary paths to wealth, ranging from entrepreneurship and real estate to high-leverage skill monetization and aggressive investing.

    ChatGPT emphasizes that consistency and discipline are more vital than viral trends, warning that avoiding lifestyle inflation is crucial for long-term success. By combining a reliable income engine with the reinvestment of profits, individuals can use time to multiply their assets. Ultimately, the source argues that financial independence is a result of practical momentum and owning assets that grow independently of one's direct labor.

    Ever dream of hitting that first million? Yeah, us too! That's why we're bringing you Money Decoded – the podcast that breaks down the sometimes-intimidating world of investing into bite-sized, actionable advice you can actually use.

    We're not talking stuffy financial jargon or complicated algorithms. Each episode is like grabbing coffee with a friend who actually know what they're doing with their money!

    Ditch the ramen noodles and start building your financial future!

    BTW, we're Jess and Matt! Curating and sharing insider's insights to unleash your portfolio wealth building.

    Disclaimer: We are not financial advisors. The information shared on this podcast is for educational and entertainment purposes only and should not be considered financial advice. Always consult with a qualified professional before making any investment decisions
    Show More Show Less
    15 mins
  • Why Your Brain Sabotages Your Investments

    Why Your Brain Sabotages Your Investments
    Jan 28 2026
    Hi there!
    Why Your Brain Sabotages Your Investments?
    Psychological instincts often drive us to make impulsive decisions during periods of market instability, frequently undermining our own financial goals. Humans are naturally influenced by loss aversion, which makes the pain of a financial dip feel far more significant than the joy of an equivalent gain. Additionally, the discomfort of uncertainty and a bias toward immediate rewards often lead us to favor cash or short-term spending over long-term growth. To combat these ingrained behaviors, experts suggest monitoring portfolios less frequently and relying on automated or professional management. By recognizing these emotional triggers, investors can better maintain a disciplined strategy that prioritizes future wealth over temporary anxiety.

    Ever dream of hitting that first million? Yeah, us too! That's why we're bringing you Money Decoded – the podcast that breaks down the sometimes-intimidating world of investing into bite-sized, actionable advice you can actually use.

    We're not talking stuffy financial jargon or complicated algorithms. Each episode is like grabbing coffee with a friend who actually know what they're doing with their money!

    Ditch the ramen noodles and start building your financial future!

    BTW, we're Jess and Matt! Curating and sharing insider's insights to unleash your portfolio wealth building.

    Disclaimer: We are not financial advisors. The information shared on this podcast is for educational and entertainment purposes only and should not be considered financial advice. Always consult with a qualified professional before making any investment decisions
    Show More Show Less
    18 mins
  • Follow the 50/30/20 Budget Rule for building FIRE

    Follow the 50/30/20 Budget Rule for building FIRE
    Jul 15 2025
    FIRE! Some serious ditch the ramen and embrace a life of financial freedom: FIRE yes, but how??
    Today, we've put some serious work to give you the best tips on how to achieve FIRE! Wait, WTF is FIRE?? Listen to find out then!

    So, if you're ready to stop stressing about money and start building a financial future that lets you live your dream life, this episode is a must-listen :) Let's get rich!

    Disclaimer: The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed.Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.
    All security symbols, names, and market data are shown for illustrative purposes only, and should not be considered an offer to sell or a solicitation of an offer to purchase any security, or a recommendation of any strategy.
    Investing involves risk, including loss of principal.
    Past performance is no guarantee of future results.
    Diversification strategies do not ensure a profit and do not protect against losses in declining markets.

    Ever dream of hitting that first million? Yeah, us too! That's why we're bringing you Money Decoded – the podcast that breaks down the sometimes-intimidating world of investing into bite-sized, actionable advice you can actually use.

    We're not talking stuffy financial jargon or complicated algorithms. Each episode is like grabbing coffee with a friend who actually know what they're doing with their money!

    Ditch the ramen noodles and start building your financial future!

    BTW, we're Jess and Matt! Curating and sharing insider's insights to unleash your portfolio wealth building.

    Disclaimer: We are not financial advisors. The information shared on this podcast is for educational and entertainment purposes only and should not be considered financial advice. Always consult with a qualified professional before making any investment decisions
    Show More Show Less
    11 mins