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The Wallet Gyde w/ Caleb Kioh

The Wallet Gyde w/ Caleb Kioh

Written by: The Plug
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Caleb Kioh, Founder of the WalletGyde, talks with top industry professionals to go on a financial journey that creates a platform for success. The habits learned will change your financial lifestyle so you can more easily manage your money.

Follow @WalletGyde on IG to develop the right habits to save!

© The Plug & Caleb Kioh Economics Leadership Management & Leadership Personal Finance
Episodes
  • AI Unplugged Episode 1

    AI Unplugged Episode 1
    Jul 24 2025

    In this foundational episode of AI Unplugged, we cut through the noise around artificial intelligence to bring you real, thoughtful insight into what AI truly is—and what it isn’t.

    Host Caleb Kioh sits down with technologist David Jitendranath and AI entrepreneur Soufiane Elaamili to discuss the building blocks of AI, the emerging concept of artificial consciousness, and the rapidly evolving role of agents, robotics, and digital workers. From industry applications to philosophical questions, this episode explores the human side of machine intelligence—and how to stay curious in a world of accelerating change.

    Topics Covered:

    • What is AI in plain terms?
    • The three pillars: Machine intelligence, data science, and automation
    • Neural networks vs. human brains
    • The multimodal future of AI (images, text, audio)
    • Consciousness: Fact or fiction in machines?
    • Real-world examples in manufacturing and software
    • AI agents & the future of work
    • Tools you can use today

    ⏱️ Timestamps:

    00:07 – Intro: Meet Caleb, Soufiane & David

    02:01 – David’s Tech Background (Programmer → Architect)

    03:35 – Soufiane’s Background: Business, CAD, and XD Innovation

    04:58 – Defining AI: What Does It Mean Today?

    07:20 – Soufiane's Three Pillars of AI

    09:26 – Are AI Systems Conscious? Neural networks & world models

    13:13 – Multimodal AI: Language, audio, and visual evolution

    15:09 – Should We Be Afraid of AI? (Ethics & limitations)

    18:08 – AI in Hardware: Manufacturing, robotics, predictive maintenance

    21:46 – The Rise of Humanoids: Tesla Optimus & the factory of the future

    27:01 – AI Agents Explained: Automation, autonomy, and digital workers

    32:48 – Agent Managers & The Future of Work

    33:37 – Simple AI Use Cases: Chatbots, bookkeeping, HR tools

    36:00 – Replacing Jobs or Creating Value? How to navigate the shift

    39:53 – Curiosity as a Skill in the AI Age

    41:45 – Guiding Principles for Building Tech

    46:59 – Emerging Trends: Multi-agent systems & predictive data fusion

    51:04 – Practical AI Tools You Can Use Today

    53:56 – Reflections and What’s Next

    See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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    54 mins
  • Future of Money Part 2 with Russell Castagnaro, Adryenn Ashley & Caleb Kioh

    Future of Money Part 2 with Russell Castagnaro, Adryenn Ashley & Caleb Kioh
    Jul 6 2025
    In this second installment of The Future of Money podcast, host Caleb Kioh continues the deep dive into the convergence of blockchain, AI, Web3, and digital currencies with two of the industry's boldest minds:🚀 Russell Castagnaro – Blockchain & Digital Identity Pioneer, Co-Founder of Unicorn Account🚀 Adryenn Ashley – Venture Capitalist, Futurist, and Founder of Minting the FutureThis episode explores how the way we earn, store, and exchange value is evolving — and how AI and decentralized technologies are shaping the next financial era.⏱️ Timestamps & Topics00:16 – Introduction & SetupCaleb sets the tone: Why the future of money isn't just financial — it's technological.“Being in finance… I get excited when I get to talk about digital currencies and Bitcoin.”03:29 – Russell Castagnaro: Blockchain Through the Lens of Government & PaymentsRussell shares how he pioneered payment infrastructure for the State of Hawaii, developed a Bitcoin POS system, and built one of the first digital ID systems using blockchain.“We were doing $2 billion in payments a year… that’s how I saw the power of crypto.”08:31 – Adryenn Ashley: From Early Bitcoin to AI-Powered Web3 StartupsAdryenn recounts her 2009 entry into crypto, building blockchain-based consent systems for dating apps, and launching 100+ consumer-facing blockchain startups.“I like being on the bleeding edge… I built a decentralized consent platform before NFTs existed.”12:07 – The Misunderstood Worlds of Blockchain, AI & Web3The trio breaks down public misconceptions: why people fear AI, how blockchain is often misrepresented, and what Web3 truly empowers.“It’s not the AI you should be afraid of — it’s the companies behind it.”20:31 – Data Ownership, Privacy & StablecoinsThey unpack how centralized apps harvest user data, why stablecoins matter in unstable economies, and what decentralization can actually solve.“If the product is free, you are the product.”27:13 – Venmo ≠ Peer-to-Peer: The Problem with App-Based PaymentsCaleb and Adryenn discuss how popular fintech apps aren’t truly peer-to-peer, and the risks of custodial systems.“Venmo isn’t P2P — it’s account to account with a middleman.”32:43 – Tokenization & Light-Touch Crypto RegulationRussell explains the difference between utility, investment, and patronage tokens — and advocates for clear but flexible regulatory frameworks.“We need a registry system that works like stock exchanges: transparent, simple, optional.”41:41 – Evolution, Not Replacement: How Crypto Complements Traditional MoneyThey reframe the narrative: crypto isn’t here to kill fiat — it’s the next phase of money's evolution.“It’s just like going from checks to credit cards to mobile apps.”44:55 – Getting Started: Tools, Tips & Investor MindsetsPractical advice: Stablecoins for payments, Roth IRAs for crypto gains, and figuring out what kind of investor you are.“Know who you are before diving into crypto. This is the deep end — no lifeguard.”49:14 – Final Thoughts: Protect Yourself, Learn, and Take ControlThe guests close with a warning against scams and a rallying cry to embrace digital empowerment.“This is the future — but prepare yourself. Be sensible. Learn first. Invest after.”🔗 Connect with the GuestsRussell Castagnaro: Unicorn Account | Bufficorn VenturesAdryenn Ashley: Minting the Future | CryptoVixensCaleb Kioh: Founder of WalletGyde📌 Like, Comment & Subscribe👍 If you enjoyed this episode, give it a like💬 Drop your thoughts in the comments🔔 Subscribe for more conversations shaping the future of moneySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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    56 mins
  • Money Conversations with Marshall Moore Director of Community Banking at On Tap Credit Union

    Money Conversations with Marshall Moore Director of Community Banking at On Tap Credit Union
    May 27 2025
    🎙️ WalletGyde Presents: The Money Conversation with Marshall MooreEpisode Theme: Empowered • Mission-Driven • TransformationalJoin WalletGyde founder Caleb Keel and special guest Marshall Moore of Untapped Credit Union for a powerful and passionate conversation about personal finance, money psychology, building systems, and defining true success. Whether you're just starting your financial journey or refining your wealth-building strategy, this episode will challenge your mindset and give you real tools to take control of your financial future.⏱️ Topics & Timestamps00:00 – Intro & Money EnthusiasmCaleb and Marshall open with energy, setting the tone for an enthusiastic dive into personal finance.02:41 – Marshall's Money Origin StoryMarshall shares his upbringing, how money shaped his childhood, and why he once believed money was the root of all evil.04:44 – Generational Money MindsetsStories of Marshall’s father and grandfather shed light on inherited beliefs and how they shape our attitudes toward money.06:50 – From Teaching to Financial CoachingMarshall discusses transitioning from a science teacher to creating a real-world personal finance curriculum.09:35 – Why Money Conversations MatterThe case for removing the taboo around money and teaching foundational knowledge as early as high school.11:33 – Financial Influences & Building a SystemCaleb and Marshall name key gurus and sources that shaped their philosophies—like Ramit Sethi, Paco de Leon, and Robert Kiyosaki.15:00 – Mastering Cash Flow & Simple SystemsA breakdown of how to manage variable income/expenses and the importance of automation and intuition in budgeting.19:39 – WalletGyde’s Core Tools: Income & Net Worth SummariesHow these two financial summaries help users understand their personal economy in a chaotic global market.25:00 – Rethinking the 50/30/20 RuleMarshall proposes a modernized approach to the classic rule and how guilt-free spending and automation are key.32:08 – Financial Principles vs. PersonalizationWhy one-size-fits-all advice doesn’t work. Context, culture, and personal goals matter more than any formula.35:00 – The Psychology of Money & Financial CoachingMoney is emotional. Learn why awareness, coaching, and individualized support matter more than budgeting spreadsheets.38:30 – Behavioral Economics & Psychology GurusMarshall introduces Danny Kahneman, Amos Tversky, and Richard Thaler—who transformed how we understand decision-making.40:00 – Money Is Made Up? The History of CurrencyA fascinating look at the social contract of money, the gold standard, and how fiat currency changed the game.43:57 – Understanding Cultural Money StoriesHow different communities (Latin, Black, immigrant families) view and use money based on lived experience and systemic history.50:00 – The Role of a Financial CoachMoney coaching is about more than numbers—it’s emotional, relational, and essential for financial healing.59:21 – Redlining, Generational Trauma & Financial AccessHow systemic issues like redlining shaped the financial outlook of entire communities.1:05:48 – 🔥 Defining Success: Wealth vs. PurposeCaleb and Marshall dive deep into the meaning of success, mission-driven entrepreneurship, and redefining what it means to win.1:10:45 – Growth vs. Value: Small Business MindsetsHow success can be impact-focused rather than billionaire-driven—business as a value exchange and movement.1:15:00 – Designing a Financial Life with IntentionSpecific systems, mindset shifts, and decision-making frameworks to support intentional, purpose-driven living.1:25:00 – Credit Card Debt & Emergency FundsWhy automated debt payments and savings reserves are the foundation for true financial freedom.1:29:50 – Closing Message: Be the Hero of Your JourneyMarshall’s final advice—gain competency, confidence, and clarity in your financial life. Customize your life.🔔 Subscribe for more mission-driven money conversations.💬 Got questions or want to share your money story? Drop a comment below!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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    1 hr and 30 mins
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