Everyone has struggled with managing their finances. From the bros asking you to stay for one more drink which leads to a night of blowing up your credit card, to choosing between a nicer car or a nicer house, we’ve all had decisions (and mistakes!) with how we handle our money. In this episode, Nick and Tony discuss their horrible financial decisions from their past, practical tips and tricks to better finance decision-making, likes and follows as currency, buying beers for the bros, and how to Man Up for your future self.

 

The episode touches on the following key topics and ideas:

 

Tony opens up about his personal struggles with money management in his youth (00:25)

No, JLo, love costs a thing (01:36)

Nick shares the importance of money management and discussing past failures based on his own decisions (02:50)

How emotional intelligence helps in making financial decisions (06:04)

Acknowledging where your financial situation is at and accepting it to help you move forward (08:33)

Making sacrifices now will always be worth it in the future (12:06)

Forming good spending habits to make good decision-making innate (12:36)

Creating a spreadsheet to track your finances and help you make better decisions (it is NOT complicated!) (14:57)

Always be on top of your numbers, even when they’re not much (17:20)

Live below your means and apply the 10% rule (18:00)

Nick recommends the book behind his now debt-free life (19:29)

Making sacrifices is easier said than done, but it’s necessary (24:25)

According to Tony, money management also just takes practice. The more you do it, the more you lessen your mistakes (26:36)

Putting off instant gratification makes way for COOLER parties and REAL stories (27:47)

‘Saving is gratification delayed, borrowing is pain postponed’ (31:56)

Nick recaps the practical and helpful ways you can do to manage your money better (32:38)

Closing statements (36:26)

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Kevin L. Banos is a powerful, connected, and loving man. With several years of experience in mobile technology, Kevin has worked with some of the biggest digital banking and wealth management companies in the United States. In this episode, Nick and Tony share a lighthearted and insightful conversation with Kevin about building networks, dropping out of college, the power of mentors, investing, and how to Man Up with your relationships.

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Jose Benavides is a Senior Product Design Manager at VMware, a software company in California specializing in cloud computing and virtualization software. Jose graduated from the University of California Berkely with a degree in Computer Graphics, which has led him down a career path of managing design teams in different tech companies. In this episode, Nick and Tony have a chat with Jose about what it’s like to be a manager, how to create your own college major, investing, and mopeds in Thailand.

 

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Octavio Pimentel is an author, a Professor of Rhetoric and Composition at Texas State University, and one of the founders of the Gamma Zeta Alpha Fraternity. A son of migrant workers, Octavio has built a reputation as a critically trained scholar of Rhetoric and Race Theory, both of which he had written several books about. In this episode, Tony and Nick share a conversation with Octavio about his childhood, why there is no correlation between writing and intelligence, the road to success of an acclaimed writer, Yeezys, and being proud of your heritage.

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