Net Net

Net Net

By Lizzy Marie, Lissa LumutengaBusiness
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Net Net episodes

  • Is "buy now, pay later" worth it?

    Lizzy and Lissa break down the hidden costs – financial and otherwise – of "buy now, pay later". They unpack how these offers can seem harmless or even helpful in the moment, but often lead to overspending, budgeting confusion, and a cycle of debt that’s harder to spot than with traditional credit cards. Plus, they explore the emotional toll of feeling behind on payments and why it’s so easy to underestimate the long-term impact.

     

    Main Topics

    00:00 

     

    References for Statistics

    https://capitaloneshopping.com/research/buy-now-pay-later-statistics/

    ttps://www.lendingtree.com/personal/bnpl-late-survey/

    Co-Hosts

    Lizzy Marie, CAIA, is a strategist, alternative investments expert, and a founding partner of Pursuit Funds. Follow Lizzy: Instagram | TikTok

    Lissa Lumutenga, CFP®, AFC®, is a personal finance expert and content creator. Follow Lissa: YouTube | Instagram | TikTok | LinkedIn

     

    Credits

    ► Produced by Lizzy Marie and Lissa Lumutenga

    ► Artwork by Lizzy Marie

    ► Music by Lissa Lumutenga, Net Net Podcast “Theme Song”

     

    Talk to us

    Hit us up, let us know what you think: IS IT WORTH IT? 💸

     

    Disclaimer

    This podcast is for educational, informational, and entertainment purposes only, and should not be constituted as financial advice or any other kind of professional advice. Views and opinions are our own, and Net Net Podcast does not serve as a substitute for personalized financial guidance tailored to your specific situation.

    Remember to always do YOUR own research, consult a professional as needed, and feel empowered to make your own decisions!

    37 min
  • Are postgraduate degrees worth it?

    Lizzy and Lissa break down the hidden costs – financial and otherwise – of postgraduate degrees. From student loan debt to delayed income, mental health strain, and the opportunity cost of time, they explore what you really give up when you go back to school — and how to decide if it’s truly worth it.

     

    Main Topics

    00:00 What are Postgraduate Degrees?

    01:30 Running The Numbers Segment

    03:00 Personal Experiences with Master’s Degrees

    11:01 Evaluating the Worth of a Master's Degree

    17:20 Perspectives on Postgraduate Education

    26:44 Sacrifices and Personal Stories

    27:33 The Burden of Student Loans

    29:14 Questioning the Value of Post-Graduate Degrees

    30:03 The Shift Towards Practical Skills and Entrepreneurship

    33:53 Considering an MBA and Other Post-Graduate Degrees

    41:52 20 Cents Segment

     

    References for Statistics

    https://www.bls.gov/careeroutlook/2023/data-on-display/education-pays.htm

    https://freopp.org/whitepapers/does-college-pay-off-a-comprehensive-return-on-investment-analysis/

    https://www.educations.com/articles-and-advice/master-studies/masters-degree-salary-guide-2024

    https://wallyboston.com/masters-degrees-no-value/

    Co-Hosts

    Lizzy Marie, CAIA, is a strategist, alternative investments expert, and a founding partner of Pursuit Funds. Follow Lizzy: Instagram | TikTok

    Lissa Lumutenga, CFP®, AFC®, is a personal finance expert and content creator. Follow Lissa: YouTube | Instagram | TikTok | LinkedIn

     

    Credits

    ► Produced by Lizzy Marie and Lissa Lumutenga

    ► Artwork by Lizzy Marie

    ► Music by Lissa Lumutenga, Net Net Podcast “Theme Song”

     

    Talk to us

    Hit us up, let us know what you think: IS IT WORTH IT? 💸

     

    Disclaimer

    This podcast is for educational, informational, and entertainment purposes only, and should not be constituted as financial advice or any other kind of professional advice. Views and opinions are our own, and Net Net Podcast does not serve as a substitute for personalized financial guidance tailored to your specific situation.

    Remember to always do YOUR own research, consult a professional as needed, and feel empowered to make your own decisions!

    51 min
  • Is flying first class worth it?

    Lizzy and Lissa break down the hidden costs – financial and otherwise – of first class. Is it worth it or a waste? In this episode, Lizzy and Lissa talk about pricing, privilege, upgrades, and what it says about how you view money.

     

    Main Topics

    00:00 First Class Perks

    01:17 Running The Numbers Segment

    02:38 Personal Experiences with First Class

    04:43 The Lounge Experience

    22:10 The High Cost of First Class

    24:47 Sleeping on Flights

    27:14 The Value of Comfort

    32:10 First Class Mishaps

    37:16 20 Cents Segment

     

    References for Statistics

    https://business.yougov.com/content/51536-whos-in-the-front-of-the-plane-first-class-demographics-travel-preferences-and-favorite-airlines

    https://www.nerdwallet.com/article/travel/is-first-class-worth-it

    https://finance.yahoo.com/news/hidden-downside-always-flying-first-210038406.html

    https://www.cntraveler.com/story/first-class-flight-upgrade-cost

    Co-Hosts

    Lizzy Marie, CAIA, is a strategist, alternative investments expert, and a founding partner of Pursuit Funds. Follow Lizzy: Instagram | TikTok

    Lissa Lumutenga, CFP®, AFC®, is a personal finance expert and content creator. Follow Lissa: YouTube | Instagram | TikTok | LinkedIn

     

    Credits

    ► Produced by Lizzy Marie and Lissa Lumutenga

    ► Artwork by Lizzy Marie

    ► Music by Lissa Lumutenga, Net Net Podcast “Theme Song”

     

    Talk to us

    Hit us up, let us know what you think: IS IT WORTH IT? 💸

     

    Disclaimer

    This podcast is for educational, informational, and entertainment purposes only, and should not be constituted as financial advice or any other kind of professional advice. Views and opinions are our own, and Net Net Podcast does not serve as a substitute for personalized financial guidance tailored to your specific situation.

    Remember to always do YOUR own research, consult a professional as needed, and feel empowered to make your own decisions!

    43 min
  • Are sabbaticals worth it?

    Lizzy and Lissa break down the hidden costs – financial and otherwise – of sabbaticals. While they can be a source of self-discovery, recovery, or a positive lifestyle change, they can also potentially impact your career and finances. This episode covers the ins and outs of what a sabbatical could look like, and whether they’re worth taking.

    Main Topics

    00:00 Introduction to Sabbaticals

    01:36 Running The Numbers Segment

    03:25 Personal Experiences

    05:35 Perceptions and Misconceptions

    13:53 Financial Considerations

    23:55 The Challenges of Implementing Sabbaticals

    25:36 Unique Company Benefits

    32:50 How to Plan for a Sabbatical

    41:24 20 Cents Segment

     

    References for Statistics

    https://gusto.com/company-news/workers-are-taking-more-sabbatical-time

    Co-Hosts

    Lizzy Marie, CAIA, is a strategist, alternative investments expert, and a founding partner of Pursuit Funds. Follow Lizzy: Instagram | TikTok

    Lissa Lumutenga, CFP®, AFC®, is a personal finance expert and content creator. Follow Lissa: YouTube | Instagram | TikTok | LinkedIn

     

    Credits

    ► Produced by Lizzy Marie and Lissa Lumutenga

    ► Artwork by Lizzy Marie

    ► Music by Lissa Lumutenga, Net Net Podcast “Theme Song”

     

    Talk to us

    Hit us up, let us know what you think: IS IT WORTH IT? 💸

     

    Disclaimer

    This podcast is for educational, informational, and entertainment purposes only, and should not be constituted as financial advice or any other kind of professional advice. Views and opinions are our own, and Net Net Podcast does not serve as a substitute for personalized financial guidance tailored to your specific situation.

    Remember to always do YOUR own research, consult a professional as needed, and feel empowered to make your own decisions!

    45 min
  • Is permanent makeup worth it?

    Lizzy and Lissa break down the hidden costs – financial and otherwise – of permanent makeup. More and more people are opting for permanent and semi-permanent makeup for their eyebrows, lips, and more. From pricing and upkeep to the risks and rewards, this episode breaks down what you need to know before committing. They discuss whether the convenience outweighs the long-term costs and if it’s truly worth the investment.

     

    Main Topics

    00:00 Bacteria in Inks?

    01:25 Running The Numbers Segment

    02:30 Personal Experiences with Permanent Makeup

    04:25 Different Permanent Makeup Procedures

    14:51 Safety Concerns

    18:58 Convenience vs. Financial Benefit

    21:32 Authenticity

    23:36 Insecurities and Beauty Services

    28:49 Financial Costs and Considerations

    34:26 20 Cents Segment

     

    References for Statistics

    https://www.fda.gov/consumers/consumer-updates/think-you-ink-tattoo-safety

    https://www.health.com/bacteria-tattoo-permanent-makeup-ink-8699557

    https://www.alliedmarketresearch.com/permanent-makeup-market-A325167

    Co-Hosts

    Lizzy Marie, CAIA, is a strategist, alternative investments expert, and a founding partner of Pursuit Funds. Follow Lizzy: Instagram | TikTok

    Lissa Lumutenga, CFP®, AFC®, is a personal finance expert and content creator. Follow Lissa: YouTube | Instagram | TikTok | LinkedIn

     

    Credits

    ► Produced by Lizzy Marie and Lissa Lumutenga

    ► Artwork by Lizzy Marie

    ► Music by Lissa Lumutenga, Net Net Podcast “Theme Song”

     

    Talk to us

    Hit us up, let us know what you think: IS IT WORTH IT? 💸

     

    Disclaimer

    This podcast is for educational, informational, and entertainment purposes only, and should not be constituted as financial advice or any other kind of professional advice. Views and opinions are our own, and Net Net Podcast does not serve as a substitute for personalized financial guidance tailored to your specific situation.

    Remember to always do YOUR own research, consult a professional as needed, and feel empowered to make your own decisions!

    38 min
  • Are opposite sex friends worth it?

    Lizzy and Lissa break down the hidden costs – financial and otherwise – of opposite sex friends. From navigating boundaries and societal expectations to the impact on relationships and personal well-being, they explore what these friendships really cost. Are they truly platonic, or can underlying tensions add complexity? They share their experiences and thoughts on the subject.

     

    Main Topics

    00:00 Introduction: Are Opposite Sex Friends Worth It?

    00:53 Running The Numbers Segment

    02:06 Growing Up with Opposite Sex Friends

    05:24 Challenges of Opposite Sex Friendships

    12:28 Trust and Boundaries

    18:07 Societal Perceptions and Biases

    23:51 Navigating Friendships and Relationships

    29:38 Cultural and Generational Differences

    36:38 Setting Boundaries in Relationships

    38:53 Attractiveness

    41:37 20 Cents Segment

     

    References for Statistics

    https://www.pewresearch.org/short-reads/2023/10/12/what-does-friendship-look-like-in-america/

    https://yougov.co.uk/society/articles/38505-yougov-friendship-study-part-four-friendship-and-g

    Co-Hosts

    Lizzy Marie, CAIA, is a strategist, alternative investments expert, and a founding partner of Pursuit Funds. Follow Lizzy: Instagram | TikTok

    Lissa Lumutenga, CFP®, AFC®, is a personal finance expert and content creator. Follow Lissa: YouTube | Instagram | TikTok | LinkedIn

     

    Credits

    ► Produced by Lizzy Marie and Lissa Lumutenga

    ► Artwork by Lizzy Marie

    ► Music by Lissa Lumutenga, Net Net Podcast “Theme Song”

     

    Talk to us

    Hit us up, let us know what you think: IS IT WORTH IT? 💸

     

    Disclaimer

    This podcast is for educational, informational, and entertainment purposes only, and should not be constituted as financial advice or any other kind of professional advice. Views and opinions are our own, and Net Net Podcast does not serve as a substitute for personalized financial guidance tailored to your specific situation.

    Remember to always do YOUR own research, consult a professional as needed, and feel empowered to make your own decisions!

    45 min
  • Is being the breadwinner worth it?

    Lizzy and Lissa break down the hidden costs – financial and otherwise – of being the breadwinner. From emotional labor to financial pressure to relationship dynamics, they explore whether taking the lead on income is empowering, exhausting, or both.

     

    Main Topics

    00:00 Introduction

    01:26 Running The Numbers Segment

    02:52 Mental Health Impacts of Being the Breadwinner

    05:54 Power Dynamics In Relationships

    11:04 Financial Independence

    20:13 Navigating Financial Independence

    21:06 Cultural Expectations and Gender Roles

    23:18 The Complexity of Financial Dependence

    24:47 Balancing Career and Family

    33:20 Financial Planning and Security

    34:30 The Importance of Self-Reliance

    35:58 Life's Unexpected Challenges

    36:40 20 Cents Segment

     

    References for Statistics

    https://www.pewresearch.org/wp-content/uploads/sites/20/2023/04/Breadwinner-wives-full-report-FINAL.pdf

    https://fortune.com/2023/04/13/more-american-women-becoming-breadwinners/

    https://www.durham.ac.uk/business/news-and-events/news/2025/01/rising-mental-health-diagnoses-tied-to-wives-outearning-husbands/

    Co-Hosts

    Lizzy Marie, CAIA, is a strategist, alternative investments expert, and a founding partner of Pursuit Funds. Follow Lizzy: Instagram | TikTok

    Lissa Lumutenga, CFP®, AFC®, is a personal finance expert and content creator. Follow Lissa: YouTube | Instagram | TikTok | LinkedIn

     

    Credits

    ► Produced by Lizzy Marie and Lissa Lumutenga

    ► Artwork by Lizzy Marie

    ► Music by Lissa Lumutenga, Net Net Podcast “Theme Song”

     

    Talk to us

    Hit us up, let us know what you think: IS IT WORTH IT? 💸

     

    Disclaimer

    This podcast is for educational, informational, and entertainment purposes only, and should not be constituted as financial advice or any other kind of professional advice. Views and opinions are our own, and Net Net Podcast does not serve as a substitute for personalized financial guidance tailored to your specific situation.

    Remember to always do YOUR own research, consult a professional as needed, and feel empowered to make your own decisions!

    42 min
  • Are gym memberships worth it?

    Lizzy and Lissa break down the hidden costs – financial and otherwise – of gym memberships. From sneaky fees to the mental cost of unused memberships, they uncover what you’re really paying for. Plus, they share smarter ways to stay active without overspending.

     

    Main Topics

    00:00 Introduction 

    01:08 Running The Numbers Segment

    02:42 Personal Experiences with Gym Memberships

    06:32 Home Gym vs. Gym Membership

    09:04 Different Gym Options and Preferences

    16:57 Deal Breakers in Choosing a Gym

    24:09 Bougie Gyms

    26:43 Specialized vs. General Gyms

    29:26 Social Dynamics at the Gym

    40:26 20 Cents Segment

     

    References for Statistics

    https://athletechnews.com/u-s-fitness-facility-membership-hits-record-72-9-million/

    https://www.exercise.com/grow/unused-gym-memberships-percentage/

    Co-Hosts

    Lizzy Marie, CAIA, is a strategist, alternative investments expert, and a founding partner of Pursuit Funds. Follow Lizzy: Instagram | TikTok

    Lissa Lumutenga, CFP®, AFC®, is a personal finance expert and content creator. Follow Lissa: YouTube | Instagram | TikTok | LinkedIn

     

    Credits

    ► Produced by Lizzy Marie and Lissa Lumutenga

    ► Artwork by Lizzy Marie

    ► Music by Lissa Lumutenga, Net Net Podcast “Theme Song”

     

    Talk to us

    Hit us up, let us know what you think: IS IT WORTH IT? 💸

     

    Disclaimer

    This podcast is for educational, informational, and entertainment purposes only, and should not be constituted as financial advice or any other kind of professional advice. Views and opinions are our own, and Net Net Podcast does not serve as a substitute for personalized financial guidance tailored to your specific situation.

    Remember to always do YOUR own research, consult a professional as needed, and feel empowered to make your own decisions!

    47 min
  • Is overachieving worth it?

    Lizzy and Lissa break down the hidden costs – financial and otherwise – of overachieving. More people are feeling the pressure to overachieve in their careers, finances, and even personal lives. This episode unpacks the hidden costs of always striving for more—stress, burnout, and never feeling like it’s enough. Lizzy and Lissa explore where this mindset comes from, how it impacts your well-being, and whether the hustle is really worth it.

     

    Main Topics

    00:00 Introduction to Overachieving

    01:17 Running the Numbers Segment

    02:50 Overachieving vs. Perfectionism

    08:10 The Impact of Overachieving

    15:21 Gender and Societal Influences

    23:16 Social Sacrifices and Dating Life

    25:23 Balancing Work and Mental Health

    30:51 The Wheel of Life Exercise

    33:42 Aligning Goals with Values

    35:24 Navigating Overcommitment

    38:16 20 Cents Segment

     

    References for Statistics

    https://nypost.com/2025/03/11/lifestyle/quarter-of-americans-experience-burnout-by-30/

    https://www.hoganassessments.com/blog/8-personality-types-a-deeper-look-at-overachievers/

    https://www.verywellmind.com/are-you-an-overachiever-4580606

    Co-Hosts

    Lizzy Marie, CAIA, is a strategist, alternative investments expert, and a founding partner of Pursuit Funds. Follow Lizzy: Instagram | TikTok

    Lissa Lumutenga, CFP®, AFC®, is a personal finance expert and content creator. Follow Lissa: YouTube | Instagram | TikTok | LinkedIn

     

    Credits

    ► Produced by Lizzy Marie and Lissa Lumutenga

    ► Artwork by Lizzy Marie

    ► Music by Lissa Lumutenga, Net Net Podcast “Theme Song”

     

    Talk to us

    Hit us up, let us know what you think: IS IT WORTH IT? 💸

     

    Disclaimer

    This podcast is for educational, informational, and entertainment purposes only, and should not be constituted as financial advice or any other kind of professional advice. Views and opinions are our own, and Net Net Podcast does not serve as a substitute for personalized financial guidance tailored to your specific situation.

    Remember to always do YOUR own research, consult a professional as needed, and feel empowered to make your own decisions!

    43 min
  • Are tattoos worth it?

    Lizzy and Lissa break down the hidden costs – financial and otherwise – of tattoos. From hidden fees and touch-ups to the unexpected social and career implications, they break down what you’re really signing up for when you get inked. Whether you're planning your first tattoo or adding to your collection, this episode will help you avoid regrets and make sure your next piece is worth every penny.

     

    Main Topics

    00:00 Would You Get a Face Tattoo?

    01:58 Running The Numbers Segment

    03:45 What Tattoos Cost

    07:18 Personal Tattoo Stories

    18:04 Social and Professional Costs of Tattoos

    23:37 The Professionalism Dilemma

    26:17 The Emotional Side of Tattoos

    28:48 Tattoo Regrets and Cover-Ups

    37:51 Tattoos and Life Events

    42:43 20 Cents Segment

     

    References for Statistics

    https://www.pewresearch.org/short-reads/2023/08/15/32-of-americans-have-a-tattoo-including-22-who-have-more-than-one/

    Co-Hosts

    Lizzy Marie, CAIA, is a strategist, alternative investments expert, and a founding partner of Pursuit Funds. Follow Lizzy: Instagram | TikTok

    Lissa Lumutenga, CFP®, AFC®, is a personal finance expert and content creator. Follow Lissa: YouTube | Instagram | TikTok | LinkedIn

     

    Credits

    ► Produced by Lizzy Marie and Lissa Lumutenga

    ► Artwork by Lizzy Marie

    ► Music by Lissa Lumutenga, Net Net Podcast “Theme Song”

     

    Talk to us

    Hit us up, let us know what you think: IS IT WORTH IT? 💸

     

    Disclaimer

    This podcast is for educational, informational, and entertainment purposes only, and should not be constituted as financial advice or any other kind of professional advice. Views and opinions are our own, and Net Net Podcast does not serve as a substitute for personalized financial guidance tailored to your specific situation.

    Remember to always do YOUR own research, consult a professional as needed, and feel empowered to make your own decisions!

    47 min

About Net Net

From the publisher's feed

Net Net Podcast analyzes hidden costs and empowers you to make your own damn decisions – financial and otherwise. In each episode, best friends Lizzy and Lissa talk about a different facet of life to…