Here's an explanation of why I don't use Debit Cards anymore. We also talk about the difference between Credit and Debit cards, and who each card is good for.

In this episode we cover 5 signs that you're definitely on track of becoming a multi millionaire at some point in your life. How many of the signs apply to you? Let me know in the comments and subscribe to the channel if you haven't already :)

I always wondered what kind of financial advice you could get off of Fiverr so I decided to test it out. 3 different price points - was I going to get good quality advice? If I needed an advisor in a pinch, could I rely on someone from Fiverr? Today, we find out!

Fiverr Financial Advisors and the Price of Advice

There are several subtle mindset shifts that anyone can slowly start implementing that, over time, will help you on the road to being wealthy. Today, we'll be going through the 7 differences between the rich and the poor.

Stealth Wealth, Compounding, and the Ugly Truth About Money Habits

In this video, we talk about one of the personal finance rules of money management that even the wealthy will use. This is called the 60/30/10 rule and it's an updated version of the 50/30/20 because personally, I think the 50/30/20 rule is dead with most Americans dealing with higher costs of living. However, even though the rule has changed a little bit, I show you with math that we can still get to financial independence, and ultimately try to earn our way into the top 1%

In this episode I discuss 12 Money Myths Wasting Your Time & Energy, these are common money beliefs that I think hold people back, and if you watch this video you can check if these apply to you.

In this episode I discuss the 4 levels of making money online - brute force, freelancing, products, and services. I also talk about my $2M revenue e-commerce journey when I first became an entrepreneur. It's a long video but I hope you enjoy!

In this Episode we go over Signs You're Doing Well Financially - even if it doesn't feel that way sometimes

In this episode I share with you my favorite 10 Purchases Under $200 That Save Time & Money!

According to studies, Switching Jobs, or job hopping, is the fastest way to earn a higher incom

According to Warren Buffett, you should avoid these 5 common things people do in their lives in order to have financial success. Enjoy

How to get Rich: Index Fund Investing for Beginners! We talk all about the advantages of index funds, expense ratios, etc and why Warren Buffett loves this passive investing strategy for most investors!

The Middle Class Has Disappeared What Wealth Inequality in America looks like. Special thanks to user politzane for the inspiration - their Episode will be linked down below. Another huge thanks to Rickie, Chris, Abdullah, and anyone else who helped on the video. Let me know in the comments what you thought.

How we can reach financial independence and retire earlier - if we know three variables about our own finances, we can create a plan for retiring faster than the average person does.

In today's Episode we discuss the 7 levels of wealth and what distinguishes every level, popularized by Grant Sabatier. Depending on where you're at, you could have different goals for the next level including saving for retirement, building an emergency fund, starting or funding a Roth IRA or 401k, Investing, etc. You may even want to pay off your home. Enjoy!

This is how I would build a stock portfolio if I could start all over again! There are 8 key tips that we go over in this episode. Enjoy and comment below your favorite tip.

In this Episodes, we go over the best way to go about where to put your excess cash when you have an existing mortgage. What is the optimal decision? Is it really smarter to invest the money instead of paying off the home? What are the other intangible factors? All that will be answered today.

According to a recent study by Vanguard, the data show us that we as Americans are not investing enough. They looked at 5 million participants who had defined contribution plans, so these are just retirement plans in which the employer and employee contribute together. In this episode we dive into what percent of your income you should be investing in order to retire

Core Definition

Break free from wealth anxiety, get-rich-quick fantasies, conspicuous consumption, money shame and other extreme distorted perceptions of money. Cultivate an objective, peaceful long-term mindset toward wealth, acting as the spiritual core of the podcast.

Detailed Explanation

Reject two extreme harmful money mindsets:

1. Speculative get-rich-quick mentality:

Obsession with short-term doubling returns, overnight wealth, insider information and high-interest arbitrage while ignoring underlying risks.

2.Evasive & inferior mindset about money:

The false belief that wealth management is only for the rich, or that talking about money is vulgar, leading to deliberate avoidance of financial planning and sustained cycles of debt and living paycheck to paycheck.

3.Three core pillars of rational wealth cognition:

Wealth accumulates gradually; risk-free instant fortune does not exist.

Money carries no inherent good or evil — it is a medium to gain life options. Avoid comparing asset figures with others; prioritize financial plans that fit your own lifestyle.

Core Definition

All wealth-related actions are guided by replicable, self-consistent personal financial thinking frameworks, rather than rumors, impulses, herd mentality or speculation. This serves as the fundamental behavioral foundation of all podcast content.

Detailed Explanation

1. Distinguish blind speculation from active independent decision-making: Most retail investors manage money passively — chasing trending funds, increasing positions amid market rallies, or pouring savings into products hyped online without any independent judgment. This value advocates a complete decision-making workflow for every monetary move: gather valid information → assess personal risk tolerance → calculate costs and potential returns → set loss/profit limits → conduct post-event review.
2. Covers all real-life financial scenarios, not limited to stock trading or fund investment: salary negotiation, mortgage & auto loan selection, insurance allocation, consumption trade-offs, side business investment, savings planning and asset allocation.
3. Core logic: Money is merely a tool, while decision-making capability is your permanent wealth moat. Market trends and product yields are out of your control, yet your personal decision process can be continuously optimized. The podcast refuses to share stock picks, recommend financial products or predict market ups and downs; it only delivers universal thinking frameworks for making sound choices.

Will is a Portfolio Manager and Chief Investment Officer for PWL Capital, and evidence-based investing expert who translates academic finance research into practical decisions for everyday people. He is known for using data, behavioral science, and simple frameworks to help people build wealth without falling for the traps of the financial industry.

He explains:

◼️Why investing has already been “solved”

◼️How your brain quietly ruins your long-term financial decisions

◼️Why checking your portfolio too often can make you poorer

◼️Why buying a home is not always the smart investment people think it is

◼️Why young people may not need to save as aggressively as they’re told

◼️How to use money to build a better life, not just a bigger bank account

◼️The biggest financial mistakes that destroys your financial future

This is Episode 4 of 4.

Will is a Portfolio Manager and Chief Investment Officer for PWL Capital, and evidence-based investing expert who translates academic finance research into practical decisions for everyday people. He is known for using data, behavioral science, and simple frameworks to help people build wealth without falling for the traps of the financial industry.

He explains:

◼️Why investing has already been “solved”

◼️How your brain quietly ruins your long-term financial decisions

◼️Why checking your portfolio too often can make you poorer

◼️Why buying a home is not always the smart investment people think it is

◼️Why young people may not need to save as aggressively as they’re told

◼️How to use money to build a better life, not just a bigger bank account

◼️The biggest financial mistakes that destroys your financial future

This is Episode 3 of 4.

Will is a Portfolio Manager and Chief Investment Officer for PWL Capital, and evidence-based investing expert who translates academic finance research into practical decisions for everyday people. He is known for using data, behavioral science, and simple frameworks to help people build wealth without falling for the traps of the financial industry.

He explains:

◼️Why investing has already been “solved”

◼️How your brain quietly ruins your long-term financial decisions

◼️Why checking your portfolio too often can make you poorer

◼️Why buying a home is not always the smart investment people think it is

◼️Why young people may not need to save as aggressively as they’re told

◼️How to use money to build a better life, not just a bigger bank account

◼️The biggest financial mistakes that destroys your financial future

This is Episode 1 of 4.

This is Episode 2 of 4.

Will is a Portfolio Manager and Chief Investment Officer for PWL Capital, and evidence-based investing expert who translates academic finance research into practical decisions for everyday people. He is known for using data, behavioral science, and simple frameworks to help people build wealth without falling for the traps of the financial industry.

He explains:

◼️Why investing has already been “solved”

◼️How your brain quietly ruins your long-term financial decisions

◼️Why checking your portfolio too often can make you poorer

◼️Why buying a home is not always the smart investment people think it is

◼️Why young people may not need to save as aggressively as they’re told

◼️How to use money to build a better life, not just a bigger bank account

◼️The biggest financial mistakes that destroys your financial future

This is Episode 1 of 4.

In this episode, you'll learn: How to Negotiate Your Rent and Save More How to Use Credit the Right Way to Build Wealth How to Start a Business With Little to No Money How to Keep Your Job and Still Grow a Side Hustle How to Turn Problems Into Profitable Opportunities How to Talk About Money in Relationships How to Invest Your First $1,000 Wisely Growth doesn’t come from getting everything right, it comes from learning, experimenting, and treating challenges as opportunities. With curiosity and courage, even problems can become stepping stones forward.

This budgeting method I talk about in today's episode really changed the way I view my own finances. It's called the P&L Method, or running your life like you would a business. Every month, I have my own personal P&L sheet, and I've also created one for you guys so you can budget on your own today too.

This is Episode 3 of 3.

This is Episode 2 of 3.

This is Episode 1 of 3.