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Personal Finance 101

Personal Finance 101

Taking control of your financial situation.

  • Overview
  • Episodes
Overview
himalaya
7 Episodes

Putting a little time into understanding personal finances provides one of the greatest ROI’s in life. The best time to start paying down debts and saving for retirement is yesterday. The second best time is today. The only problem is personal finance is a seemingly boring or anxiety-inducing subject for many people. Although there are dozens of great personal finance podcasts, many of them have hundreds of episodes each and it can get overwhelming to know where to start. 


The goal of this free podcourse is to provide a curated selection of podcasts that serve as an accessible foundation for taking control of your financial situation. There are plenty of tips and strategies below, but there are also discussions around the psychology of money and stories of student loan debt. 


What You'll Learn:

Why humans are bad at predicting how much actually getting what we want will make us happy (exhibit A: the amount of unhappy millionaires). 

- The reason why there is a diminishing return for how much additional money will make us happy (above a threshold about 75k).

- How to pay down your debts in the most psychologically pleasing way as well as the mathematically best way.

- What the 4% and 25x rules mean for planning for the amount of money you’ll need to retire.

- How to think through what your money goals really are.

- How to spend extravagantly on the things you love and to cut costs ruthlessly on the things you don’t.

- The benefits and pitfalls of the FIRE (Financially Independent/Retire Early) movement.

- Why long-term, set-it-and-forget-it methods of investing are best for the majority of people (even during a pandemic).

- Why index funds are a great low-cost solution to long-term savings and which ones to check out.

- Why bitcoin or similar crypto currencies should only be played around with using “fun money”, not with money that would otherwise go into retirement accounts. 

- That if you have crushing student loan debt, you are not alone and there is hope. 

If you enjoyed this curated list, check out the Hurt Your Brain newsletter for a collection of podcasts and links that make you think, sent every other Sunday. 
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Episodes
7 Episodes

The Unhappy Millionaire

43min

How can winning the lottery ruin your life - while contracting an incurable disease feel like 'a gift'? Dr Laurie Santos hears about dreams come true and nightmares realised; and talks with Dr Dan Gilbert about why human happiness isn't defined by these major events in the way we all assume. For an even deeper dive into the research we talk about in the show visit happinesslab.fm Learn more about your ad choices. Visit podcastchoices.com/adchoices

Debt Snowball vs. Debt Avalanche Approach To Paying Down Debt #085

35min

What is the best way to pay down debt? Americans are in tremendous amounts of debt (think over 400 billion on just credit cards alone)! Not only is this debt keeping folks from reaching their financial goals, but it’s also taking a toll on the mental health of borrowers. Knowing the best strategy to get out of this debt is a big deal and could be the difference between living paycheck to paycheck or achieving financial freedom. Listen as we cover both approaches so you can decide which is better for you: the debt snowball (popularized by Dave Ramsey) and the debt avalanche (also known as debt stacking). During this episode we enjoyed a Maple Vanilla Copra Kai by Southern Grist Brewing which you can find on Untappd. Another big thanks to Jamie and friends up there in Nashville for donating these beers to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts, Castbox, or wherever you get your podcasts- we’d love to hear from you...

How Much Do I Need to Retire?

9min

Last week we discussed how investing protects our money from losing value. This week I'll be walking you through a simple way to figure out how much money you may need to retire. ======= Check out my new podcast This Is Awkward using the link below. https://podfollow.com/this-is-awkward ======= Want to be a part of episode 200? Leave me a voicemail at (707) 200-829 or at PopcornFinance.com/Voicemail with your response to the following questions: What has been your favorite episode? Who has been your favorite guest? What is something that you have learned while listening to Popcorn Finance? Bonus extra credit if you also record yourself saying the Popcorn Finance intro: Hey this is (your name here), hope you're doing well, and welcome to Popcorn Finance, the show where we discuss finance in about the time it takes to make a bag of popcorn. You can also email your responses to Questions@PopcornFinance.com Connect with me Instagram -@PopcornFinancePodcast Twitter - @PopcornFinance Face...

Ramit Sethi - I Will Teach You to be Rich

55min

Personal-finance icon Ramit Sethi from I Will Teach You to be Richjoins me for an episode of the Financial Independence Podcast! Ramit first published his New York Times best-selling book, I Will Teach You to be Rich, back in 2009 during the depths of the financial crisis. He just released the second version today so we discuss what’s changed in the last decade and also talk about FIRE (Financial Independence, Retire Early) – a concept that’s taken the financial world by storm in recent years. This is the first time Ramit has talked about FIRE so it was great getting his opinions on it, especially since he’s often thought of as being on the opposite end of the financial spectrum (my first podcast guest, Mr. Money Mustache, has even jokingly referred to him as his “arch-rival in personal finance”). Ramit didn’t hold back (does he ever?) so hope you enjoy this one as much as I did! Highlights What Ramit likes about FIRE (and what he doesn’t) When you should pay more instead of...

How To Retire Early with Mr. Money Mustache (Rebroadcast)

59min

Mr Money Mustache didn't retire because he was making so much money from his blog. He had actually been retired for six years before he started writing. The blog was born when he looked around at his friends who had good jobs but were still living paycheck to paycheck. They bought into what has long been sold as the American Dream; go to college, get a job, buy a house, fill that house with as much stuff as it can hold (and when it can't hold anymore, rent a storage unit), have some kids, and get stuck in an unfulfilling job, dreaming of freedom that will always be out of reach. Retire, maybe at 65 if you're lucky, and live out your days, just kind of existing, hoping your money will outlast you. The best years of your life long past. But what if you could be retired by thirty? MMMstarted the blog out of frustration, he wanted to show them, and now us, that they could do what he did. And an empire started. Original Broadcast DateSeptember 8, 2014 Full Article Here Show Notes Mr Mone...

Our Student Loan Secrets, Part 1

34min

More Americans are taking out more student loan debt and taking longer to pay it back.But wedon't often talk about the impact that it has on our lives. Explore more than 4,000 of your stories about student loans, find out where you fit in the student loan landscape and get resources for dealing with your debt at deathsexmoney.org/studentloans. This week's newsletter includes updates on some of the people featured in today's episode. Subscribe at deathsexmoney.org/newsletter and we'll send you weekly audio picks, behind the scenesupdates and letters from our listener inbox. Follow the show on Twitter@deathsexmoneyand Facebook atfacebook.com/deathsexmoney. Email us any time atdeathsexmoney@wnyc.org.

Our Student Loan Secrets, Part 2

28min

Hundreds of you told us about feeling duped, overwhelmed, and ashamed ofyour student debt. But we also heard stories about how some of you took back control. Here's howyou did it. Explore more than 4,000 of your stories about student loans, find out where you fit in the student loan landscape and get resources for dealing with your debt atdeathsexmoney.org/studentloans. This week's newsletter includes updates on some of the people featured in today's episode. Subscribe atdeathsexmoney.org/newsletterand we'll send you weekly audio picks, behind the scenesupdates and letters from our listener inbox. Follow the show on Twitter@deathsexmoneyand Facebook atfacebook.com/deathsexmoney. Email us any time atdeathsexmoney@wnyc.org.

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