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PODCAST

Personal Finance Cat

Personal Finance Cat

No fluff personal finance education from real personal finance experiences.(Disclaimer: I am not a financial advisor. My podcast and YouTube channel are for educational purposes only and merely cite my own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.)

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All Episodes

7:29

Episode 84 - How to Pay Off Debt Fast: The Debt...

Personal Finance Cat ·

2025/09/20

Summary:In this episode, I break down two popular methods to pay off debt fast: the Debt Snowball and the Debt Avalanche. The Snowball Method focuses on paying off the smallest balances first, giving you quick wins and a sense of momentum. It’s simple, motivating, and easy to stick with—even if it means paying a bit more in interest.The Avalanche Method, on the other hand, targets debts with the highest interest rates first. It saves more money in the long run and helps you become debt-free faster

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8:14

Episode 83 - Passive Income Ideas That Can Make You...

Personal Finance Cat ·

2025/09/06

Summary:In this episode, I share 10 proven ideas that help you build up to $5,000 in monthly passive income. Whether you're creative, tech-savvy, or prefer investing, there’s something here for everyone. Here are the top strategies:1. Real Estate Investing – Buy rental properties and earn monthly cash flow while building equity.2. Dividend Stocks – Invest in companies that pay regular dividends for passive portfolio income.3. Create an Online Course – Package your expertise into a course and

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5:24

Episode 82 - Index Funds vs. ETFs: Which One Should...

Personal Finance Cat ·

2025/08/23

Summary:In this episode of Personal Finance Cat, I’m diving into a common investor question: should you choose index funds or ETFs? They both offer diversification, low fees, and passive growth—but how they operate is a bit different, and that matters.Index funds are mutual funds that track an index like the S&P 500. You buy them through companies like Vanguard or Fidelity, and all trades happen at the end of the day. ETFs, on the other hand, trade like stocks on the open market, giving you more

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6:00

Episode 81 - How to Build a $1M Portfolio: Smart...

Personal Finance Cat ·

2025/08/09

Summary:In this episode of Personal Finance Cat, I walk you through how to build a $1 million investment portfolio—yes, even if you're starting small. It’s not just about dreaming big; it’s about using time, strategy, and consistency to get there.First, I ask you to define your “why.” Whether it's freedom, retirement, or leaving a legacy, knowing your purpose helps you stay focused. Then, I break down how compound interest works its magic over time—starting early and investing consistently

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4:45

Episode 80 - Stock Market for Beginners: How to Start...

Personal Finance Cat ·

2025/07/26

Summary:In this episode of Personal Finance Cat, I break down how anyone can start investing in the stock market—even with just $100. That’s right, you don’t need thousands to start building wealth.First, I talk about making sure your basics are covered: pay off high-interest debt and have an emergency fund. Then, I guide you through choosing the right investment account, like a brokerage account or Roth IRA. I also list beginner-friendly platforms like Fidelity, Robinhood, and SoFi—ones with no

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5:12

Episode 79 - Real Estate vs. Stocks: Which Is the...

Personal Finance Cat ·

2025/07/12

Summary:In today’s episode, I unpack the age-old question: Real Estate vs. Stocks—Which is the better investment in 2025? Real estate has long been the “American dream,” but this year, higher interest rates, limited inventory, and saturated short-term rentals make it trickier. Solid financing and smart projections are key.On the flip side, stocks are more accessible than ever. The S&P 500 is bouncing back, AI and green energy stocks are hot (but volatile), and index funds and ETFs remain strong

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4:31

Episode 78 - Frugal Living vs. Minimalism: Which One...

Personal Finance Cat ·

2025/06/28

Summary:In this episode of Personal Finance Cat, I explored the difference between frugal living and minimalism—and which one really helps you save more money. Frugal living is about stretching every dollar: hunting for deals, cooking at home, buying in bulk, and fixing instead of replacing. It’s great for short-term savings and ideal if you’re on a tight budget and don’t mind putting in the effort.Minimalism, on the other hand, is about intentional simplicity. It’s not just about saving money—it’s

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6:47

Episode 77 - Best Budgeting Apps in 2025: A Side by...

Personal Finance Cat ·

2025/06/14

Summary:In this episode, I dive into the top budgeting apps of 2025 to help you find your perfect money partner. Whether you're all about spreadsheets or want your budget on autopilot, there’s something here for you. Here's the quick breakdown:YNAB (You Need a Budget)Best for intentional budgeters who love giving every dollar a job. Great for planning and breaking the paycheck-to-paycheck cycle.💰 Cost: $99/year⚠️ Steeper learning curveMonarch MoneyDesigned for couples and families who want

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4:25

Episode 76 - Emergency Fund 101: How Much Should You...

Personal Finance Cat ·

2025/06/03

Summary:In this episode, I break down the essentials of emergency funds—what they are, why they matter, and how to build one without stress.Key Takeaways:- An emergency fund is your financial safety net for unexpected expenses like car repairs, medical bills, or job loss.- Aim to save 3–6 months of essential expenses (rent, groceries, insurance, etc.).- If you're just starting out, a $500–$1,000 starter fund is a solid first goal.- Keep the fund in a high-yield savings account—safe, accessible,

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4:08

Episode 75 - How to Save Money on a Tight Budget: 10...

Personal Finance Cat ·

2025/05/17

Summary:In this episode, I share 10 practical hacks to help you save money when you're on a tight budget. 1. Track Every Dollar – Use budgeting apps or a spreadsheet to know exactly where your money goes.2. Meal Plan Like a Pro – Cook at home and use leftovers to cut down on food costs.3. The 24-Hour Rule – Wait a day before buying non-essentials to avoid impulse purchases.4. Cut the Subscriptions – Cancel services you don’t use regularly to save money monthly.5. Shop with a List—and Stick to It

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3:41

Episode 74 - 50 / 30 / 20 Budgeting Rule Explained

Personal Finance Cat ·

2025/05/03

Summary:In this episode of Personal Finance Cat, we explore the popular and beginner-friendly 50/30/20 budgeting rule, a simple framework for managing your money without stress or spreadsheets. Originating from Elizabeth Warren’s book All Your Worth, the method divides your after-tax income into three categories: 50% for Needs (essentials like rent, groceries, and insurance), 30% for Wants (non-essentials like dining out and entertainment), and 20% for Savings and Debt Repayment (retirement,

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8:42

Episode 73 - Investing for Millennials: What You Need...

Personal Finance Cat ·

2025/04/19

Summary: This episode offers a practical guide for millennials looking to build wealth through investing. Here are some key points to consider:1. Understand the Basics of InvestingBefore we dive in, it’s important that we understand the fundamentals. Investing means putting our money into assets like stocks, bonds, or real estate with the goal of growing our wealth over time. We should also get familiar with key concepts like diversification, asset allocation, and risk tolerance to make informed

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5:29

Episode 72 - How to invest in an IRA account for kids

Personal Finance Cat ·

2025/04/05

Summary:In this episode, I discuss how parents can set up an IRA for their children to give them a significant financial head start. While IRAs are typically seen as tools for adults, kids with earned income are eligible to contribute, making it possible to benefit from decades of compounding growth. A Roth IRA is usually the best choice for kids because contributions are taxed upfront—ideal since children typically have little to no tax liability.Parents can open a Custodial Roth IRA on behalf of

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6:58

Episode 71 - 401k vs Roth IRA: Which is Better?

Personal Finance Cat ·

2025/03/22

In this episode, I dive into the key differences between retirement accounts—401(k), Roth IRA, and Traditional IRA—to help you create a tax-efficient plan for the future.I start with a story about two friends, James and Robert, who earned the same income but chose different retirement paths. James used a 401(k), deferring taxes now but paying them in retirement. Robert chose a Roth IRA, paying taxes upfront so he could enjoy tax-free withdrawals later. Fast forward 30 years—they both have $1

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4:28

Episode 70 - How much do you need to retire comfortably?

Personal Finance Cat ·

2025/03/08

In this episode, I explore the key question for any future retire: how much do you need to retire comfortably?Key Takeaways:- The Reality of Retirement Savings: A couple, Lisa and John, thought they had enough savings ($1M), but they underestimated inflation, healthcare costs, and lifestyle changes. By age 75, they were worried about running out of money.- The 4% Rule: A common rule suggests withdrawing 4% of savings annually to last 30 years (e.g., $80K/year requires $2M in savings). However,

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17:14

Episode 69 - Tariff breakdown: the good, the bad and...

Personal Finance Cat ·

2025/02/22

In this episode, I try to offer my slightly alternative (and hopefully refreshing) take on tariffs, blending my economics background with the insights from some of the smartest thinkers of our time.I discuss key measures enacted by President Trump regarding tariffs, including a 25% tariff on imports from Canada and Mexico—with a special 10% rate on Canadian energy products—a 10% tariff on Chinese goods that led to retaliatory tariffs, and a 25% duty on steel and aluminum along with a new reciprocal

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6:11

Episode 68 - ✅ BUILD A 🔥**$20 MILLION**🔥 NET WORTH!

Personal Finance Cat ·

2025/02/08

In this episode, I discuss the 6 key steps to creating a $20 million (or whatever your number may be) net worth. It requires mindset, strategy, and execution. #1. The Wealth Mindset- Think long-term (10–30 years ahead).- Set clear goals and embrace calculated risks.- Identify your personal motivation (financial freedom, legacy, giving back).#2. Establishing Income Streams- Multiple income streams are key—millionaires average seven.- Options include real estate, stocks, business ownership, and

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10:35

Episode 67 - The Sad Truth about NEET

Personal Finance Cat ·

2025/01/25

Summary:In this episode, I discuss the rise of the NEET generation—young people aged 15 to 34 who are Not in Education, Employment, or Training. I first learned about the term on the All In Podcast, but I’ve seen it around me with friends and relatives. This disengagement affects individuals financially, emotionally, and mentally, while also harming the economy and social stability.Economic factors like automation, globalization, and the rising cost of education play a big role. Many jobs that used

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59:30

Episode 66 - Empowering Financial Freedom: Interview...

Personal Finance Cat ·

2024/12/07

✔️Summary: In this episode, I interviewed Tanya Taylor, a financial coach, who focuses on helping individuals and corporate employees enhance financial literacy and achieve stability. Through her personal coaching program, she empowers clients to build financial confidence, starting with mindset work. Tanya guides clients in areas like budgeting, credit repair, investing, and retirement planning. In the corporate space, she conducts financial literacy workshops to address gaps where employees often

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70:43

Episode 65: Timeless Investment Wisdom - Interview...

Personal Finance Cat ·

2024/11/23

✔️Summary: In this episode, Ryan Zabrowski shares insights into his investment philosophy, shaped by years of experience and a desire to create a timeless guide to financial success. His book, Time Ahead: An Investor’s Guide to Prosperity and Impact, focuses on achieving financial growth through sustainable strategies while making a lasting societal impact. Inspired by mentors like Warren Buffett and Charlie Munger, Ryan emphasizes value investing, competitive advantages, and avoiding industries

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96 results

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