Épisodes

  • The Top 10 U.S. Cities for Gen Z Workers, According to New Report

    The Top 10 U.S. Cities for Gen Z Workers, According to New Report
    Dec 14 2025
    The episode offers an overview of a 2025 report by the HR technology company Checkr, which identifies the best U.S. cities for Generation Z workers. The study analyzed over 100 cities based on metrics grouped into three weighted categories: employment, affordability, and social life. The key finding is that many Midwest cities, such as Madison, Wisconsin, and Minneapolis, Minnesota, dominate the top rankings, challenging the traditional appeal of expensive coastal hubs. This shift is attributed to Gen Z’s preference for financial stability and work-life balance afforded by the Midwest’s lower cost of living and strong, stable job markets. Six of the top 10 cities are in the Midwest, demonstrating that young workers are prioritizing sustainable financial futures over high-prestige, high-cost locations. The report suggests that both Gen Z and employers should focus on these emerging, affordable urban centers.

    “If you don't find a way to make money while you sleep, you will work until you die.”

    Warren Buffett
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    36 min
  • 10 Money Moves Gen Z Should Make Before Turning 30

    10 Money Moves Gen Z Should Make Before Turning 30
    Dec 3 2025
    The episode provides aggressive financial guidance tailored for Generation Z, arguing that the decade between ages 18 and 30 offers the highest leverage for building substantial wealth. While acknowledging challenges like inflation and high debt, the text outlines ten "non-negotiable" moves designed to accelerate financial independence. These foundational steps begin with the immediate elimination of all high-interest consumer debt and the establishment of a robust emergency cash buffer, referred to as a "F*ck-You Fund." Further strategies include consistently maximizing tax-advantaged investment accounts and negotiating salary fiercely, treating it as a compounding lifetime asset. The guide also encourages readers to prioritize jobs that yield career capital over immediate high pay, while suggesting specific real estate acquisition methods like house-hacking. Ultimately, the text warns against lifestyle creep and underscores the critical importance of selecting a partner who shares the same strict financial philosophy to ensure long-term success.

    “If you don't find a way to make money while you sleep, you will work until you die.”

    Warren Buffett
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    38 min
  • How Much Money a 25-Year-Old Needs to Invest Every Month to Reach $1,000,000

    How Much Money a 25-Year-Old Needs to Invest Every Month to Reach $1,000,000
    Dec 2 2025
    The episode is a financial blueprint focused on demonstrating how a 25-year-old can achieve a goal of $1 million by retirement through systematic investment. It illustrates the mathematical relationship between the investment timeline, the rate of return, and the required monthly contribution necessary to reach the target by various ages, such as 65 or 60. The plan heavily relies on the power of compounding and the advantage of time, suggesting that consistent contributions between $200 and $300 per month are often sufficient when using a strategy centered on low-cost stock index funds. Furthermore, the source provides guidance on asset allocation that shifts over time (a "glide path"), prioritization of tax-advantaged accounts, and practical steps to ensure the funds grow effectively toward an inflation-adjusted million dollars. The core takeaway emphasizes that starting early and maintaining consistency are the most critical variables for success.

    “If you don't find a way to make money while you sleep, you will work until you die.”

    Warren Buffett
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    31 min
  • Gen Z and Millennials Are Missing Out on Huge Retirement Savings Potential

    Gen Z and Millennials Are Missing Out on Huge Retirement Savings Potential
    Nov 30 2025
    The episode, titled "Five Fixes for Six-Figure Retirement Wealth," argues that while younger generations are increasingly utilizing 401(k)s, most millennials and Gen Z investors are making critical errors that prevent them from fully maximizing their savings potential. The text warns that a "set it and forget it" approach leads to a significant optimization gap that can cost individuals $200,000 to $500,000 or more over their working lives. Two primary fixes involve eliminating "free money" leaks by capturing the full employer match and prioritizing Roth accounts while current income tax rates remain near historic lows. Furthermore, the article strongly advocates for implementing behavioral fixes, such as using automatic contribution increases (auto-escalation) and, for eligible employees, leveraging the complex but lucrative Mega Backdoor Roth strategy. Ultimately, the advice centers on actively managing retirement accounts, especially by consolidating old 401(k)s into aggressive, stock-heavy portfolios rather than leaving funds in low-yield stable value options.

    “If you don't find a way to make money while you sleep, you will work until you die.”

    Warren Buffett
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    35 min
  • If I Started Investing In 2025, This Is What I Would Do

    If I Started Investing In 2025, This Is What I Would Do
    Nov 12 2025
    The source provides an extensive financial playbook for building long-term wealth starting in 2025, emphasizing a disciplined, evidence-based approach rather than chasing market fads. The author first establishes the current economic context (high S&P 500, higher Treasury yields, persistent global deleveraging) to justify a shift away from speculative investing. The guide details a step-by-step process, beginning with establishing a clear investment mindset focused on behavioral edge and treating investing like a business. Practical sections cover tax-advantaged account utilization, a specific 80% core/20% satellite asset allocation with index funds and thematic picks, and quantitative security selection criteria. Finally, the text outlines crucial behavioral guardrails, tax-loss harvesting strategies, and a detailed execution plan for the initial investment, advising automation and a focus on compounding real returns over decades.

    “If you don't find a way to make money while you sleep, you will work until you die.”

    Warren Buffett
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    37 min
  • Why Are Most Americans Broke, and Will They Forever Stay Broke?

    Why Are Most Americans Broke, and Will They Forever Stay Broke?
    Nov 5 2025
    The source, an excerpt titled "The 12 Gears Grinding American Wealth," presents a comprehensive argument that the financial struggles faced by most Americans are not due to personal failure but are the result of systemic economic design features. It identifies twelve interlocking mechanisms, or "gears," that keep the majority of people financially strained, citing statistics that show high percentages of workers living paycheck to paycheck and being unable to cover small emergencies. The episode details these gears, which include wage stagnation despite productivity increases, the crushing cost of housing and healthcare, the shift of retirement risk onto individuals through the 401(k) system, and the detrimental impact of the gig economy and inflation. Ultimately, the source concludes that this economic machine is engineered to run on debt and despair, only offering limited "escape hatches" for individuals willing to adopt extreme financial behaviors or through unlikely future macro-level policy changes.

    “If you don't find a way to make money while you sleep, you will work until you die.”

    Warren Buffett
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    53 min
  • What Is the 4% Rule for FIRE?

    What Is the 4% Rule for FIRE?
    Nov 4 2025
    The source provides an extensive examination of the 4% Rule, which is the foundational principle of the Financial Independence, Retire Early (FIRE) movement. It explains the rule's origin, noting that financial advisor William Bengen developed it in the 1990s using historical market data to find the highest safe withdrawal rate that would sustain a diversified portfolio for at least 30 years. The episode details the core mechanics, requiring savers to accumulate 25 times their annual expenses, and then withdraw 4% of that total in the first year, adjusting subsequent withdrawals for inflation. However, the source also addresses significant criticisms, pointing out that the original rule’s 30-year horizon is too short for early retirees, and recent economic factors like high inflation and low bond yields suggest a safer modern rate may be closer to 3.5%. Finally, the episode explores alternatives and adaptations, such as using variable spending and guardrails, to make the rule more viable for those seeking financial freedom today.

    “If you don't find a way to make money while you sleep, you will work until you die.”

    Warren Buffett
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    55 min
  • What Is the Difference Between Coast FI and Barista FI?

    What Is the Difference Between Coast FI and Barista FI?
    Nov 4 2025
    The source provides an extensive comparison of two popular strategies within the Financial Independence, Retire Early (FIRE) movement: Coast FI and Barista FI. Coast FI focuses on reaching a level of investment where compound interest alone will fund one's full retirement goal, allowing the individual to stop saving and only earn enough to cover current expenses. In contrast, Barista FI allows for immediate semi-retirement by accumulating enough funds to cover 60–80% of expenses through withdrawals, with the remaining 20–40% covered by a low-stress, part-time job, often selected for benefits like health insurance. The episode includes specific calculations, real-world examples, and a head-to-head comparison detailing the pros, cons, and psychological fit for each approach, ultimately suggesting a hybrid Barista-Coast model for those seeking both present freedom and guaranteed future wealth.

    “If you don't find a way to make money while you sleep, you will work until you die.”

    Warren Buffett
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    41 min