Your Money on Easy Mode

著者： Damien | The PSA
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  • Welcome to Your Money on Easy Mode, the show that teaches you how to build wealth with minimal effort. Your host is Damien from The PSA, who is here to teach you how to save more, invest for your future, and enjoy the process.

    Damien is that weird friend who obsesses over credit card bonuses, high-yield savings account interest rates, and index fund expense ratios so you don't have to. Every week he exposes important news and tackles meaty money topics to give you an unfair advantage in the financial arena.

    If you want to gain financial confidence and the inside edge on spending, saving, and investing, then tune into Your Money on Easy Mode to start securing your wealth today.
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あらすじ・解説

Welcome to Your Money on Easy Mode, the show that teaches you how to build wealth with minimal effort. Your host is Damien from The PSA, who is here to teach you how to save more, invest for your future, and enjoy the process.

Damien is that weird friend who obsesses over credit card bonuses, high-yield savings account interest rates, and index fund expense ratios so you don't have to. Every week he exposes important news and tackles meaty money topics to give you an unfair advantage in the financial arena.

If you want to gain financial confidence and the inside edge on spending, saving, and investing, then tune into Your Money on Easy Mode to start securing your wealth today.
社会科学 個人ファイナンス 経済学 旅行記・解説 個人的成功
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エピソード
  • Your Credit Score Demystified: What It Is, Why It Matters, and How to Take Control

    Your Credit Score Demystified: What It Is, Why It Matters, and How to Take Control
    2024/01/14
    What if your entire financial future hinged on a single three-digit number? In this episode, Damien exposes the outsized impact your credit score has on getting loans, renting apartments, and even landing jobs. He breaks down exactly what goes into this mysterious metric and why it varies between credit bureaus, shedding light on a topic that affects us all.


    You'll get the inside scoop on the major scoring models like FICO and VantageScore, and Damien will explain what number range you need to be in for excellent, good, fair, or poor credit. Damien even shares the best way to lock down your score against fraudsters trying to steal your identity, providing you with essential tips to protect your financial well-being.


    But the real shocker comes in the headlines segment when popular finance guru Robert Kiyosaki confesses to being $1.2 billion in debt - and says it's the bank's problem, not his! Damien rips apart this reckless statement and other nonsensical claims. He makes an impassioned case for why you need to stop taking advice from this conspiracy peddler, urging listeners to seek out more responsible financial guidance.


    In "The PSA Around the Web" segment, the stock market soared 25% last year. Is it time to cash out your stocks while they're peaking? Tune in for Damien's crystal clear advice on what your next move should be, as he navigates the complexities of market timing.
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    17 分
  • Boost Your Credit Score: The 5 Factors That Make or Break Your Credit

    Boost Your Credit Score: The 5 Factors That Make or Break Your Credit
    2024/01/20
    Damien from The PSA is back with yet another money-saving episode that promises to simplify your financial management. In this installment, Damien meticulously unpacks the 5 critical factors that constitute your credit score, assigning each a level of importance.


    Listeners will gain valuable insights as Damien explains why your payment history is so crucial, representing a significant 35% of your credit score. He shares expert strategies on how to enhance this aspect by judiciously managing your available credit. Damien's top recommendation is to maintain your credit card balances at the lowest possible level – ideally, you should aim for a zero balance by diligently paying off your bill on time and in full every month.


    Moreover, he addresses and debunks prevalent credit score myths, such as the misconception that carrying a balance on your credit card is necessary. Damien provides a clear-cut spoiler alert – carrying a balance is absolutely unnecessary and not recommended.


    For those who are beginning their credit journey, Damien doesn't leave you in the lurch. He offers practical, actionable advice on how to transition from having no credit to establishing a good credit rating swiftly. His guidance includes exploring the use of secured credit cards and the benefits of becoming an authorized user on someone else's account.


    In the Headlines segment, Damien delves into an intriguing study that examines the varying degrees to which money influences behavior across different cultures. He highlights the stark contrast between Western societies and countries like China and India. Additionally, he cautions listeners about the psychological pitfalls one might encounter when making substantial purchases, such as fixating on monthly installments instead of considering the total cost of ownership.


    This episode is a must-listen for anyone aiming to elevate their credit score, minimize interest expenses, and streamline their financial life. Damien delivers his message with his signature straightforward, empowering approach, dispensing invaluable wisdom akin to a sage neighbor sharing life lessons. Don't miss out on this opportunity to transform your approach to money management – tune in now and start mastering your finances with ease!
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    16 分
  • 5 Ways to Beat Inflation

    5 Ways to Beat Inflation
    2024/02/02
    Inflation is public enemy number one for the American budget right now. As prices continue rising faster than incomes, everyone feels the squeeze. From filling up your gas tank to buying groceries and paying rent or a mortgage, the impact is unavoidable. So what can you do besides feel powerless? A lot, actually. In this week's episode of The PSA, your money expert Damien outlines five solid tactics for inflation-proofing your finances so you can not only survive but thrive.


    First, Damien reveals what millionaires are buying at Dollar Tree. Hint: it's not just junk. These savvy shoppers stock up on certain basic necessities to save big money.


    Next, Damien dives into his two categories of tips for leveraging high inflation to your advantage: earning more and spending less. On the earning side, he explains why it pays to shift your cash into high-yield savings accounts when rates are up. Damien recommends his top picks for online banks offering over 5% APY. He also discusses how historically the stock market beats inflation over time, making now an ideal moment to invest those longer-term funds.


    On the spending side, Damien urges you to pay down any variable-rate debt before that debt gets even more expensive. He also recommends pausing spending on goods hit hardest by inflation, like lumber, and waiting for prices to stabilize. Finally, as a long-term customer, use this inflationary period to call up your cable company, gym, or streaming services and negotiate better rates. You have leverage - use it!


    Damien wraps up the episode by exposing how retailers use sneaky price anchoring tactics to make deals seem hotter than they really are. He shares his favorite apps to track price history so you can tell an actual bargain from a marketing gimmick.


    If you feel overwhelmed by the relentless impacts of inflation, let Damien give you a game plan to tip the scales back in your favor. Tune in to this week’s episode of Your Money On Easy Mode to inflation-proof your money and regain control.
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    10 分

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