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Young, Smart, & Battling Broke

Young, Smart, & Battling Broke

Written by: Cole Hume
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Beating broke and building the lives we love one brilliant idea at a time.

© 2025 Young, Smart, & Battling Broke
Economics Leadership Management & Leadership Self-Help Success
Episodes
  • #8: Parth Patil - From Broke to the Frontier of AI by Being the Original Vibe Coder
    Nov 30 2025

    Meet Parth Patil. He is a builder, a thinker, and former Clubhouse data scientist who reinvented his career multiple times to become one of the leaders of the AI revolution, leading special AI projects for Reid Hoffman.


    In this conversation, we cover everything from burning your savings to learn LLMs to the future of AI avatars, the potential need for Universal Basic Income, Parth's advice to his younger self, and so much more.


    If you are curious about the future of the labor market, how to weave AI into your workflows, and exercise your ambition, I think you will leave this chat inspired and feeling more equipped to not be replaced.


    Connect with Parth or me:

    🧠 Connect with Parth on LinkedIn

    📲 Follow Parth on IG

    🧠 Connect with Cole on LinkedIn

    ✍️ Read Cole’s Substack


    Timestamps:

    00:00 Intro of Parth, the AI Pioneer

    02:33 The Advent of Vibe Coding

    11:08 The Growth of GPT and Self

    17:46 The Financial Gamble

    33:44 Finding the AI Community

    37:05 Creating Courses for Coursera

    40:12 Building a Personal Brand

    42:27 Working with Reid Hoffman

    44:41 Exploring Digital Twin Projects

    53:05 The Meaning of Expertise in AI

    01:02:30 Future Headlines and Predictions

    01:14:04 The Tale of John Henry and AI

    01:20:00 Where Do People Fit In

    01:22:33 Automation and Universal Basic Income

    01:31:00 Parth Philosophy and Advice to 20-somethings

    01:44:24 Outro and Final Thoughts


    • LinkedIn
    • Young, Smart, & Battling Broke Substack
    • Youtube
    • Instagram
    • X | Twitter

    Email me at colehume1@gmail.com for any feedback, ideas, or notes!



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    1 hr and 45 mins
  • #7: Adam Novak – Building a Language Learning Startup, 200k+ Audience, and Fluency in Korea at 25
    Oct 16 2025

    At 25, Adam Novak is building The Fluency Project — a differentiated language-learning platform based in Seoul, South Korea.

    Through bold, founder-led marketing stunts, Adam has earned over 60 million views across platforms, using creativity and street performance to reimagine how we approach language learning.

    Before The Fluency Project, Adam was the founding design engineer at 222, a Y Combinator–backed social-connection startup in New York, co-founded Good Home, a wellness-focused home-inspection company, and even spent time living as a monk practicing Vipassana meditation.

    In this episode, we talk about:
    • Adam’s entrepreneurial journey — the wins and the failures
    • Going solo vs. building with co-founders
    • Finances and focus in your 20s as a founder
    • Emotional resilience and mindset
    • Philosophies for building and living with intention

    If you’re navigating your 20s, questioning the traditional path, or curious about building startups abroad, this conversation will hit home.

    Connect & Subscribe:
    The Fluency Project – Early Access → https://thefluencyproject.notion.site/

    Adam Novak on Instagram → https://www.instagram.com/its_adam_novak/?hl=en

    Adam Novak on LinkedIn → https://www.linkedin.com/in/adamvnovak/

    Cole Hume on LinkedIn → https://www.linkedin.com/in/cole-hume-a737041b6/

    Cole’s Substack – startups, risk & meaning → https://substack.com/@colehume

    Subscribe for more conversations on meaning, money and navigating one's 20s.

    Time stamps:

    00:00 – Intro
    02:10 – Why Adam Moved to Seoul
    04:50 – Founder-Led Marketing & 60M Views
    07:00 – Building Amiko (The AI Language Partner)
    11:30 – Early Entrepreneurial Roots
    18:30 – Joining YC-Backed Startup 222
    24:00 – Lessons from YC & Early Startup Life
    29:30 – Leaving 222 & Going Solo
    33:30 – Co-Founding Good Home
    40:30 – Challenges of Solo Founding
    49:00 – Mental Health & Founder Struggles
    55:00 – Is Striving a Bug or a Feature?
    59:30 – Scarcity, Curiosity & Momentum
    01:04:00 – Where to Find Adam
    01:06:00 – Outro

    • LinkedIn
    • Young, Smart, & Battling Broke Substack
    • Youtube
    • Instagram
    • X | Twitter

    Email me at colehume1@gmail.com for any feedback, ideas, or notes!



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    1 hr and 8 mins
  • #6: Matt Huang - From IB, BCG, & Google, to Educating 100k+ Subscribers at 26
    Jul 17 2025

    Matt has worked all the jobs an economics undergrad considers and idolizes: investment banking, consulting at BCG, & now, big tech at Google.

    While working these jobs, he has moonlighted as a content creator and his educational YouTube channel has surpassed 100K subscribers.

    Matt is as sharp and kind as they come, and I wish I could have met and learned from him sooner.

    We talk professional and financial decisions when one is young as well as our favorite life hypotheses (we are not quite old and wise enough to call them philosophies ;)

    Its a long-ass episode, so obviously we talk about a whole lot of other interesting things.

    Hope you enjoy and check out the time stamps to navigate the episode!!

    00:00 Overcoming Fear and Embracing Content Creation
    01:08 Introduction
    02:15 Matt Huang's Journey to YouTube Success
    06:39 The Motivations for the Channel
    10:17 Navigating Career Challenges and Taking Action
    18:43 Mentorship and Inspirations
    22:03 Reevaluating Career Paths and Finding Purpose
    27:36 The Value of High-Octane Jobs
    37:01 Exploring Internet Money and Digital Entrepreneurship
    43:59 Dealing with Social Risks of Content Creating
    51:05 Handling Hate Comments and Negative Feedback
    55:37 Viewer Perception and Personal Growth
    58:41 Balancing Ambition with Personal Relationships
    01:01:21 Philosophy on Planning and Career Direction
    01:09:48 Testing the Multidimensional Human Hypothesis
    01:17:04 The Scarce Resource of Excellent Performers
    01:21:42 Future Content Directions, Closing thoughts

    Check out Matt's YouTube channel here: ⁨@matthuang21⁩
    Check out Matt's Substack here: https://substack.com/@matthuang1

    • LinkedIn
    • Young, Smart, & Battling Broke Substack
    • Youtube
    • Instagram
    • X | Twitter

    Email me at colehume1@gmail.com for any feedback, ideas, or notes!



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    1 hr and 27 mins
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