Fin
Financial Planning
Topic
62.8%
Accuracy
Recent Predictions
Incorrect: 4
Pending: 154
Unrated: 12
Prediction
Author
Predicted at
Status
Video
The guest estimates her current monthly income to be $5,000 due to being on medical leave and not currently employed.
"The guest estimates her current monthly income to be $5,000 due to being on medical leave and not cu..."
Jan 9, 2026
Correct
The guest is considering a $700 payment to clear a debt, with a clarification on the exact amount being $700.
"So, 700 or 750? 700."
Jan 9, 2026
Pending
The guest estimates her current monthly income to be $5,000 due to being on medical leave and not currently employed.
"Uh, I would say like 5,000 since I'm on I don't have my job right now."
Jan 9, 2026
Correct
The guest's spending includes frequent purchases at bars and energy drink brands, alongside mentions of 'whimo' and 'puffer energy', indicating a pattern of potentially unnecessary or impulsive consumption.
"And then the rest of it was like other shopping expens Irish pub. Irish pub. Puffer energy. Puffer e..."
Jan 9, 2026
Pending
The guest estimates her current monthly income to be $5,000 due to being on medical leave and not currently employed.
"Uh, I would say like 5,000 since I'm on I don't have my job right now."
Jan 9, 2026
Incorrect
The speaker advises the guest to prioritize paying off debt by allocating $1,000 per month towards it, after establishing a one-month emergency fund, rather than focusing on the legality of her income sources.
"However you choose to bring in money as an adult, I do not care. I'm not going to enable and support..."
Jan 9, 2026
Pending
The guest can pay off her debt in two years by bringing in an extra $1,000 per month, or in one year if she can increase her income by an additional $2,000 per month.
"Two years. That's it. If you bring in an extra thousand bucks a month, bring in an extra two and you..."
Jan 9, 2026
Pending
A financial strategy is proposed: allocate $1,000 per month towards debt repayment after establishing a one-month emergency fund, leading to debt freedom within a couple of years.
"The speaker advises the guest to prioritize paying off debt by allocating $1,000 per month towards i..."
Jan 9, 2026
Pending
The guest is considering a $700 payment to clear a debt, with a clarification on the exact amount being $700.
"The guest is considering a $700 payment to clear a debt, with a clarification on the exact amount be..."
Jan 9, 2026
Pending
The guest estimates her current monthly income to be $5,000 due to being on medical leave and not currently employed.
"The guest estimates her current monthly income to be $5,000 due to being on medical leave and not cu..."
Jan 9, 2026
Pending
The guest can pay off her debt in two years by bringing in an extra $1,000 per month, or in one year if she can increase her income by an additional $2,000 per month.
"The guest can pay off her debt in two years by bringing in an extra $1,000 per month, or in one year..."
Jan 9, 2026
Pending
The guest asks for clarification on building an emergency fund before tackling debt, with the consensus being a one-month fund equivalent to $4,000.
"Should I do an emergency fund before I pay off my debt? One one month. So, what what's one month? Li..."
Jan 9, 2026
Correct
The guest asks for clarification on building an emergency fund before tackling debt, with the consensus being a one-month fund equivalent to $4,000.
"The guest asks for clarification on building an emergency fund before tackling debt, with the consen..."
Jan 9, 2026
Pending
A financial strategy is proposed: allocate $1,000 per month towards debt repayment after establishing a one-month emergency fund, leading to debt freedom within a couple of years.
"Uh, I mean, if you can put $1,000 to debt towards a month, you can pay this off in a couple years, t..."
Jan 9, 2026
Pending
To afford a European vacation, the couple should save 75% of their monthly 'fun' money for one month, then combine it with the next month's fun money to have a total of $4,000 for a three-week trip.
"You can honestly we not even close to that. Yeah. We're like under a thousand. Yeah. Exactly. So aft..."
Dec 29, 2025
Pending
The couple has a 3-month emergency fund and should double it to 6 months. After that, with their income of $12,000/month, they can allocate 30% to needs, 20% to retirement, and 45% to wants, including trips. They can save for a European vacation by saving 75% of their monthly fun money one month and combining it with the next month's fun money.
"So, we're at 3 months right now, but we should be at 6 months. Double it. Double it. And then we can..."
Dec 29, 2025
Pending
The couple has paid off multiple credit cards and is managing their car loan and time share effectively. They are considering paying off remaining debts versus investing, and are advised to focus on a fully funded emergency fund before aggressively paying down low-interest debt.
"So, I think that's where we're at right now. Okay. Okay. Very cool. Now which one in here is the tim..."
Dec 29, 2025
Pending
Making difficult financial decisions in the present can lead to financial ease and freedom for the remainder of one's life.
"Making a few hard decisions today can actually mean you play for the rest of your life."
Dec 28, 2025
Correct
Aspires for viewers to be among the 5% who adopt 2-3 financial challenges to transform their lives.
"I want you to be the 5% that picks up to three challenges this year and changes your life."
Dec 13, 2025
Pending
Adopting three financial challenges in 2026 will lead to life-changing improvements.
"Pick up three. Do the same in 2026. Life will change."
Dec 13, 2025
Pending
Completing at least three of the presented financial challenges will lead to significant personal financial success in 2026.
"if you choose even three out of these 10, you are going to be a rockstar in 2026."
Dec 13, 2025
Pending
Save double the amount saved in December 2025 during January 2026.
"You have to save double of whatever you saved in December 2025."
Dec 13, 2025
Pending
After building savings, all subsequent funds should be directed towards investments.
"Then what you do is you take the money, you put it into your investments, and now you just keep inve..."
Nov 22, 2025
Pending
While avoiding 'get rich quick' scams (requiring patience), one should be impatient in their drive, work ethic, and discipline, pushing forward relentlessly.
"Um it makes the people selling the get-richqu rich keep you broke. Uh so the first thing you got to ..."
Nov 22, 2025
Unrated
When considering a $1,000 purchase, a benchmark is to assess if one could afford to buy five of them.
"So, it's, you know, you want to buy a a $1,000 phone, you want to buy a $1,000 watch. Okay, fine. Ca..."
Nov 22, 2025
Pending
The purpose of savings is for emergency protection, not for wealth accumulation, which is achieved through investments.
"The savings is not there to make you wealthy. It's there just to protect you against an emergency."
Nov 22, 2025
Correct
A personal anecdote illustrates spending a significant amount ($1000) on a luxury watch without understanding investment opportunities, such as investing in a watch company for profit sharing.
"When I talked about my watch, I spent a grand on a watch. I had no investments. I don't even know wh..."
Nov 22, 2025
Pending
If one cannot afford to purchase five of an item, they cannot afford to buy even one, acting as a financial prudence test.
"And if you don't have the ability to buy five of them, if you can't afford to do that, then you can'..."
Nov 22, 2025
Correct
The speaker prefers listening to audiobooks over reading due to English being a second language, highlighting a practical approach to learning.
"And so, like, you know, if you listen like my I listen to audiobooks. I'm not a very good reader. En..."
Nov 22, 2025
Pending
True education and intellect are found by listening to and synthesizing ideas that may not agree, residing in the space between opposing viewpoints.
"But you have to be willing to listen to things that don't agree with one another. And that's in the ..."
Nov 22, 2025
Unrated
Growing up with a single belief system without exposure to alternative perspectives limits one's understanding of life; it is important to be open to and learn from diverse viewpoints, regardless of agreement.
"Because otherwise if we we grow up with just one belief the entire time and we don't see another sid..."
Nov 22, 2025
Pending
The 'Instagram flex culture' and spending on appearances are identified as significant liabilities that are toxic if not managed properly.
"And that's a liability. Yeah. And and what are the main liabilities that people spend on today? [sig..."
Nov 22, 2025
Correct
A willingness to learn and a commitment to work are essential components of discipline that enable progress.
"You have to be willing to learn nothing can stop you. So the discipline means that you're willing to..."
Nov 22, 2025
Pending
The fundamental difference in financial strategy is that the wealthy invest first and spend leftovers, while the majority spend first and invest any remainder.
"So wealthy people invest and spend what's left while the majority of people spend and invest whateve..."
Nov 22, 2025
Pending
Patience is necessary because 'get rich quick' schemes are typically scams that lead to financial loss.
"patient in the sense that you have to understand that get rich quick is majority of time a big scam...."
Nov 22, 2025
Correct
Living based on net worth or spending according to it is dangerous, as net worth is not actual liquid income and can fluctuate, leading to a lifestyle beyond one's actual financial capacity.
"It doesn't if if you are valuing your life and even worse, if you are spending based off of your net..."
Nov 22, 2025
Correct
Building significant wealth requires the right mindset, learning, time, patience, and a sense of urgency; opportunity exists, especially in developed countries.
"And you have the opportunity to build something a lot bigger. You have to have the right mindset. An..."
Nov 22, 2025
Unrated
A 'rule of five' suggests that if one cannot afford to buy five of an item, they cannot afford to buy one, serving as a financial prudence guideline.
"And the rule that I would always say is follow something like my rule of five. If you can't buy five..."
Nov 22, 2025
Pending
Wealthy individuals prioritize investing as much as possible after earning income, ideally deferring taxes legally, and then spending what remains.
"Uh but wealthy people are doing is you make money and then depending on how you make it either you p..."
Nov 22, 2025
Correct
Financial health is crucial for overall well-being, but excessive wealth without other forms of health (physical, mental, spiritual) can lead to increased misery.
"If you're not financially healthy, well, it can make everything else much more miserable because you..."
Nov 22, 2025
Pending
The speaker listens to audiobooks, including those with contradictory views, to learn from diverse perspectives, noting that English is their second language.
"And so, like, you know, if you listen like my I listen to audiobooks. I'm not a very good reader. En..."
Nov 22, 2025
Pending
The strategy is to use earned income to acquire more assets, necessitating the creation of a personal financial system.
"Your earned income is just buying you more assets. And so how do you start that? Right? And and so t..."
Nov 22, 2025
Unrated
A prerequisite for growth is the willingness to learn and challenge one's own beliefs.
"So the willingness to learn. You have to be willing to learn. And if if you're not willing to learn,..."
Nov 22, 2025
Unrated
Continuous effort ('making the flywheel turn') is necessary, and hard work enhances the effectiveness of 'smart work'.
"You have to be willing to put the work. The harder you work. You got to make the flywheel turn. You ..."
Nov 22, 2025
Correct
The typical financial pattern involves earning, paying taxes, spending, and then not knowing where the money went, highlighting a lack of proactive financial management.
"The way that the finances look for the majority of people, is you make money, you pay taxes, you spe..."
Nov 22, 2025
Unrated
The 75/15/10 investment/saving ratio should remain constant even as income grows significantly, ensuring continued prioritization of investment and saving.
"Now, what happens is as you grow your income, you don't change this ratio. So, if you go from $40,00..."
Nov 22, 2025
Pending
The 'rule of five' is illustrated: if unable to afford five $1,000 items, one cannot truly afford a single one, promoting financial caution.
"So, it's, you know, you want to buy a a $1,000 phone, you want to buy a $1,000 watch. Okay, fine. Ca..."
Nov 22, 2025
Unrated
Automating finances through a system ensures that money is consistently put to work, regardless of other circumstances.
"And then you want to create a system like a a system that automates your finances where now you have..."
Nov 22, 2025
Correct
Savings should range from 3 to 12 months of expenses, with 3 months suitable for those with low liabilities and high risk tolerance, and 12 months for a more conservative approach.
"Now the savings is you want to build somewhere between 3 and 12 months worth of savings if you want ..."
Nov 22, 2025
Correct
The three core components for achieving financial success are the right mindset, the right discipline, and the right work ethic, which includes a willingness to learn.
"So the third thing was the right mindset the right discipline and the right work ethic uh so the wil..."
Nov 22, 2025
Correct