📚 Learning guides on Personal Finance: https://stan.store/marloyonocruz
📖 Book summaries: https://marloyonocruz.com/

Mastering Personal Finance: Insights and Strategies from Three Major Books

In this episode of One Thousand Gurus, host J.R. Yonocruz kicks off a special book highlight series by exploring the realm of personal finance. He shares insights drawn from over a decade of experience and three influential books—'I Will Teach You to Be Rich' by Ramit Sethi, 'The Psychology of Money' by Morgan Housel, and 'The Simple Path to Wealth' by JL Collins. J.R. discusses key concepts such as automated financial systems, the difference between looking wealthy and being wealthy, and the importance of simple, reliable investment strategies. The episode also introduces his new digital financial guides and audiobooks, designed to help listeners implement these strategies effectively. Tune in for practical advice on achieving financial freedom and mastering money management.

00:00 Introduction to the Book Highlight Series
00:47 Personal Finance: A Passion and a Presentation
02:07 Money Mastery: Key Insights from Three Books
03:02 Big Idea #1: Willpower vs. Systems
04:19 Big Idea #2: Wealth is What You Don't See
09:53 Big Idea #3: Simple Beats Complex
13:20 The Freedom Formula and Final Thoughts
17:55 Call to Action and Conclusion

Links/resources:

• Money Mastery presentation (via Gamma)
• I Will Teach You To Be Rich by Ramit Sethi (audiobook - affiliate link)
• The Psychology of Money by Morgan Housel (book summary)
• The Simple Path to Wealth by JL Collins (audiobook - affiliate link)

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One Thousand Gurus Podcast:
Everyone has a compelling story to tell with insights we can all be inspired by. J.R. Yonocruz is a self-improvement blogger, relationship coach, and serial hobbyist with a passion for learning. He interviews unique guests from various fields to distill the strategies, habits, and mindsets we can use in our own lives. Each “guru” has a chance to give the audience a peek into a new world.

• 💻 Website: www.onethousandgurus.com
• 🔗 All links & socials: https://bio.site/onethousandgurus
• 📚 Learning guides: https://stan.store/marloyonocruz

In this episode, host J.R. Yonocruz engages in a humorous, heartfelt, and insightful conversation with his younger brother, Jacob Kanunu Potts. The discussion traverses Jacob's journey from Fremont, California to his current life as a senior college student in Hawaii, majoring in accounting. Through a blend of light-hearted trolling and serious discourse, the brothers reflect on Jacob's growth, his aspirations, and the importance of respecting and understanding Hawaiian culture. They also revisit past interviews from 10 and 5 years ago, delving into Jacob's evolving thoughts on topics like politics, videogames, morning routines, and life aspirations. The episode offers a mix of laughter, personal anecdotes, and valuable life lessons, making it a special treat for the shared audience.

Guest bio:
Born and raised in Fremont, California and now a full time college student living in Hawai'i. Jacob is in his final year for his undergraduate degree with a major in accounting. He’s loved playing sports all his life and enjoys going to the beach whenever he can.

• Instagram: @k4nunu / https://www.instagram.com/k4nunu/
• LinkedIn: https://www.linkedin.com/in/kanunu/

Links/resources:

• Blind date video (via @cheyneegitsham on IG)

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Support the show

One Thousand Gurus Podcast:
Everyone has a compelling story to tell with insights we can all be inspired by. J.R. Yonocruz is a self-improvement blogger, relationship coach, and serial hobbyist with a passion for learning. He interviews unique guests from various fields to distill the strategies, habits, and mindsets we can use in our own lives. Each “guru” has a chance to give the audience a peek into a new world.

• 💻 Website: www.onethousandgurus.com
• 🔗 All links & socials: https://bio.site/onethousandgurus
• 📚 Learning guides: https://stan.store/marloyonocruz

In this episode, host J.R. Yonocruz welcomes Rohit Murthy, a strategic leader and entrepreneur. The conversation delves into Rohit's unique career path, starting from the manufacturing floor to leading innovation hubs in a major biotech firm, and founding multiple startups. They discuss topics ranging from reminiscing college memories, career inflection points, building a support network, to managing corporate job demands while pursuing entrepreneurial ventures. Rohit shares invaluable insights on overcoming challenges, leveraging professional networks, and the importance of balancing life, health, and professional commitments. The episode also explores social media pressures, FOMO, and contemplating life pivots, offering deep reflections and practical advice for anyone navigating their career and entrepreneurial ambitions.

Guest bio:
A strategic leader who knows how to get things done, Rohit has a unique career path that's both a story of climbing the corporate ladder and building things from the ground up. He started on the manufacturing floor, literally making the product, before moving into a role where he was a founding member of an innovation hub at a major biotech company. He's not just a big picture guy, but someone who understands every step of the process.On top of all that, he's a true entrepreneur, having founded and co-founded several startups. Whether he's optimizing a multi-million dollar manufacturing process or building a new company from scratch, he brings a rare mix of hands-on expertise and strategic vision. He is a person who understands how to turn an idea into a reality—and that's something we can all learn from.

• LinkedIn: https://www.linkedin.com/in/rohit-murthy
• Website: https://belfioreherbal.com/
• Instagram: @belfioreherbal / https://www.instagram.com/belfioreherbal/

Links/resources:

• Clayton Christensen (academic & business consultant - Wikipedia)
• Agentic AI and subagents (article - Anthropic website)

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Support the show

One Thousand Gurus Podcast:
Everyone has a compelling story to tell with insights we can all be inspired by. J.R. Yonocruz is a self-improvement blogger, relationship coach, and serial hobbyist with a passion for learning. He interviews unique guests from various fields to distill the strategies, habits, and mindsets we can use in our own lives. Each “guru” has a chance to give the audience a peek into a new world.

• 💻 Website: www.onethousandgurus.com
• 🔗 All links & socials: https://bio.site/onethousandgurus
• 📚 Learning guides: https://stan.store/marloyonocruz

In this episode of One Thousand Gurus, host J.R. Yonocruz sits down with Hao Gagaring, a self-proclaimed 'memory creator' who focuses on crafting and personalizing objects. As an introverted individual who moved to the United States from the Philippines in her late teens, Hao shares her journey of adjusting to a new country, breaking through her introverted nature by working in a mobile dental company, and pursuing her entrepreneurial passions. She discusses her Labubu clothing and crafting business, which she runs with her mom, and offers insight into the challenges and rewards of starting a side business. Hao also touches on the importance of dental health, the cultural shock of moving to a new country, and how her passion for K-pop has helped her adjust to her new surroundings.

Guest bio:
Hao is a friend of J.R.’s: a coffee buddy, introvert, and crafty individual. She is a self-procalimed “simple, law-abiding citizen.” She doesn’t consider herself an influencer or content creator, but more of a memory-creator. Personalizing and customizing things are some of her favorite hobbies.

• Instagram: @mylifeafter.work / https://www.instagram.com/mylifeafter.work/
• Instagram: @La.w_events / https://www.instagram.com/la.w_events/
• Instagram: @misslabubu / https://www.instagram.com/misslabubu/

Links/resources:

• Mercari (online marketplace - website)
• Fear-Setting Exercise (Ali Abdaal - YouTube video)
• Got7 (K-Pop music group - Wikipedia)
• 3 Idiots (movie - Wikipedia)
• How to Make Millions Before Grandma Dies (movie - Wikipedia)
• When Life Gives You Tangerines (TV series - Wikipedia)

Send us a text

Support the show

One Thousand Gurus Podcast:
Everyone has a compelling story to tell with insights we can all be inspired by. J.R. Yonocruz is a self-improvement blogger, relationship coach, and serial hobbyist with a passion for learning. He interviews unique guests from various fields to distill the strategies, habits, and mindsets we can use in our own lives. Each “guru” has a chance to give the audience a peek into a new world.

• 💻 Website: www.onethousandgurus.com
• 🔗 All links & socials: https://bio.site/onethousandgurus
• 📚 Learning guides: https://stan.store/marloyonocruz

In this inspiring episode of One Thousand Gurus, host J.R. welcomes back Dorothy Ho, the founder of Charade Dance Academy. Dorothy shares her journey of reestablishing her faith and becoming a fervent Christian, which has positively impacted her life and business. She discusses her commitment to setting boundaries, self-discipline, and improving her finances and health. Dorothy also opens up about her experiences with romance and singleness, offering valuable insights and advice. The discussion touches on her impressive 45lb weight loss through diet and intermittent fasting, and her dedication to living a lie-free and curse-free life. This episode is a heartfelt exploration of growth, faith, and the pursuit of a better self.

Guest bio:
Dorothy Ho is the business owner behind the award-winning Charade Dance Academy in Garden Grove, California, which she founded in 2018 at 21. She has choreographed competitively and recreationally for young dancers, creating award-winning routines and securing scholarships for her students. She recently re-established her faith this year, dedicating herself to growing closer to God while serving on the prayer team at Rock Harbor church in Costa Mesa, CA.

• Instagram: @charadedanceacademy /  https://www.instagram.com/charadedanceacademy/
• Website: https://www.charadedanceacademy.com/
• YouTube: https://www.youtube.com/@rusebysaved1024
• Email: [email protected]

Send us a text

Support the show

One Thousand Gurus Podcast:
Everyone has a compelling story to tell with insights we can all be inspired by. J.R. Yonocruz is a self-improvement blogger, relationship coach, and serial hobbyist with a passion for learning. He interviews unique guests from various fields to distill the strategies, habits, and mindsets we can use in our own lives. Each “guru” has a chance to give the audience a peek into a new world.

• 💻 Website: www.onethousandgurus.com
• 🔗 All links & socials: https://bio.site/onethousandgurus
• 📚 Learning guides: https://stan.store/marloyonocruz

In this episode of One Thousand Gurus, host J.R. Yonocruz welcomes Jae Kim, who shares his remarkable journey of leaving a Korean Christian cult after 10 years. Jae discusses how he rebuilt his life through open-mindedness, friendship, and love, exploring new hobbies like cooking and dancing, and forming new relationships. Key topics include Jae's background, the indoctrination and impact of the cult, and the eventual rediscovery of his Christian faith. The conversation also delves into Jae's professional trajectory from being a math teacher to a software developer, and his aspirations in the culinary field. Encouragement to question beliefs, the importance of friendships, and the value of personal growth are emphasized throughout the episode.

Guest bio:
After leaving a Korean cult of 10 years, Jae rebuilt his life with open-mindedness, friendship, and love. From exploring cooking and dance to new relationships, his journey is about community, growth, and celebrating life’s meaningful connections.

• Instagram: @seriouslyiamjaek / https://www.instagram.com/seriouslyiamjaek/
• Instagram: @letsgetcookimjae / https://www.instagram.com/letsgetcookimjae/

Links/resources:

• In the Name of God: A Holy Betrayal (mini-series documentary - Netflix)
• Atomic Habits by James Clear (book summary)

Send us a text

Support the show

One Thousand Gurus Podcast:
Everyone has a compelling story to tell with insights we can all be inspired by. J.R. Yonocruz is a self-improvement blogger, relationship coach, and serial hobbyist with a passion for learning. He interviews unique guests from various fields to distill the strategies, habits, and mindsets we can use in our own lives. Each “guru” has a chance to give the audience a peek into a new world.

• 💻 Website: www.onethousandgurus.com
• 🔗 All links & socials: https://bio.site/onethousandgurus
• 📚 Learning guides: https://stan.store/marloyonocruz

In this episode of One Thousand Gurus, host J.R. catches up with Way Liu, a creative talent from the Bay Area with a rich background in dance and DJing. Way shares his journey from being a hip hop freestyle dancer to joining prestigious dance teams like Kaba Modern and AoV. He opens up about the challenges of leading a dance team, his struggle with chronic back pain, and overcoming drug addiction to achieve four years of sobriety. Way also delves into his various creative pursuits, including music production and video editing, offering valuable insights for anyone looking to cultivate their artistic talents while maintaining a balanced life. Join J.R. and Way for a deep and wide-ranging conversation filled with humility, vulnerability, and inspiration.

Guest bio:
Creative born and raised in the Bay Area with experience in dance, DJing and other music related facets. Credits: AOV, Kaba Modern, Academy of DJ's, Arena SF nightclub. Recent DJ venues: 1015 Folsom, Still OG Bar.

• Instagram: @sh.way / https://www.instagram.com/sh.way/
• TikTok: @shwayboyadvance / https://www.tiktok.com/@shwayboyadvance
• Soundcloud: https://soundcloud.com/shway_station

Links/resources:

• Didi (2024) (movie - Wikipedia)
• Citizens United v. FEC (U.S. Supreme Court ruling - Wikipedia)
• Severance (TV series - Wikipedia)
• Alan Watts (author, speaker - Wikipedia)

Send us a text

Support the show

One Thousand Gurus Podcast:
Everyone has a compelling story to tell with insights we can all be inspired by. J.R. Yonocruz is a self-improvement blogger, relationship coach, and serial hobbyist with a passion for learning. He interviews unique guests from various fields to distill the strategies, habits, and mindsets we can use in our own lives. Each “guru” has a chance to give the audience a peek into a new world.

• 💻 Website: www.onethousandgurus.com
• 🔗 All links & socials: https://bio.site/onethousandgurus
• 📚 Learning guides: https://stan.store/marloyonocruz

📚 Personal Finance learning guides: https://stan.store/marloyonocruz

Lindsey Nellessen shares her journey from marketing professional to money coach, revealing practical strategies for building wealth and negotiating higher compensation. She offers insights on conscious spending, investment philosophy, and how tracking your financial contributions at work can lead to significant salary increases.

• Started money coaching and has helped thousands of young adults gain financial confidence
• Transitioned from marketing to finance through entrepreneurship during the pandemic
• Successfully negotiated a 50% compensation increase in one year
• Recommends conscious spending over strict budgeting—align spending with your personal priorities
• Emphasizes why leaving money in savings accounts means losing value to inflation
• Suggests tracking every transaction on a spreadsheet to understand spending patterns
• Achieved six-figure net worth in her 20s

Guest bio:
Lindsey is a personal finance educator, marketing professional, wife, and mom to a one year old son. She started her money coaching business at age 26 and has helped thousands of young adults become more confident with their money.

• Instagram: @your_money_bff / https://www.instagram.com/your_money_bff/
• LinkedIn: https://www.linkedin.com/in/lindseynellessen/
• Email: [email protected]

Links/resources:

• Danielle Leslie (course creator - website)
• @SaveMyCents (personal finance content creator - Instagram)
• “How to Negotiate Your Salary” by Ramit Sethi (blog)
• I Will Teach You To Be Rich by Ramit Sethi (audiobook - Amazon affiliate link)
• Personal Finance Club (website) 
• The Psychology of Money by Morgan Housel (audiobook - Amazon affiliate link)
• Investing for Dummies (audiobook - Amazon affiliate link)
• Off to Be The Wizard by Scott Meyer (book summary)
• Travelers  (TV Series - Wikipedia)

Send us a text

Support the show

One Thousand Gurus Podcast:
Everyone has a compelling story to tell with insights we can all be inspired by. J.R. Yonocruz is a self-improvement blogger, relationship coach, and serial hobbyist with a passion for learning. He interviews unique guests from various fields to distill the strategies, habits, and mindsets we can use in our own lives. Each “guru” has a chance to give the audience a peek into a new world.

• 💻 Website: www.onethousandgurus.com
• 🔗 All links & socials: https://bio.site/onethousandgurus
• 📚 Learning guides: https://stan.store/marloyonocruz

In this episode of One Thousand Gurus, host J.R. sits down with Hannah Kim, a licensed mental health counselor with her own private practice in Massachusetts. Hannah shares insights from her career in therapy, emphasizing the importance of self-healing and therapy for therapists. They explore various facets of therapy, including its challenges, the significance of cultural relatability, and the burdens therapists bear. The conversation also delves into Hannah's personal journey, including her background, college experiences, and transition from community mental health to a successful private practice. They discuss the cultural expectations and pressures faced by eldest daughters in immigrant families. The episode also covers lighter topics like enjoying pickleball, participating in Barry's Bootcamp, and finding joy in hobbies like photography and interior design. Hannah shares candid advice on finding balance, self-care, and the importance of believing in oneself.

Guest bio:
Hannah is a licensed mental health counselor with her own private practice in MA. She has a bachelor's in Cognitive Science Psychology and a master's in Counseling Psychology. Although Hannah is California born and raised, she currently resides in Boston with her husband. She's living her best life playing pickleball and volleyball, dog and cat sitting for friends, joining the pilates and Barry's Bootcamp cult, cooking for friends and family, and traveling a ton! 

• Instagram: @hannahbobbb / https://www.instagram.com/hannahbobbb/
• Website: https://zencare.co/provider/therapist/hannah-kim

Links/resources:

• Barry’s (HIIT bootcamp workouts - website)
• “K-jangnyeo (K-장녀)” = “trauma of the eldest daughter” (loosely translated)
• “Nunchi (눈치)” = a Korean concept that refers to the subtle art of gauging other people's moods, feelings, and thoughts, and then responding appropriately
• Aeron Chair from Herman Miller (website)
• Spigen Amazon Store for phone cases (Amazon - affiliate link)
• Shrinking (TV series - wikipedia)

Send us a text

Support the show

One Thousand Gurus Podcast:
Everyone has a compelling story to tell with insights we can all be inspired by. J.R. Yonocruz is a self-improvement blogger, relationship coach, and serial hobbyist with a passion for learning. He interviews unique guests from various fields to distill the strategies, habits, and mindsets we can use in our own lives. Each “guru” has a chance to give the audience a peek into a new world.

• 💻 Website: www.onethousandgurus.com
• 🔗 All links & socials: https://bio.site/onethousandgurus
• 📚 Learning guides: https://stan.store/marloyonocruz

Joanne Chiem shares her journey through a 16-year relationship, divorce, and the challenges of supporting a partner who had mental health issues.

• Discovered her passion for IT while working at Fry's Electronics, leading to her current career as a systems administrator
• Dated her ex-husband for almost 10 years before getting married
• Her ex-husband was diagnosed with bipolar disorder and narcissism, creating unpredictable and difficult living conditions
• A serious mental health crisis occurred when her ex-husband consumed excessive amounts of mushrooms over a month and a half
• Helped her ex-husband build a successful YouTube channel focused on Pokémon content that grew to over 700,000 subscribers
• A discussion about prenuptial agreements regardless of current financial status
• Advises documenting everything and creating a paper trail if experiencing relationship difficulties
• Emphasizes that marriage takes more than just love to succeed

Guest bio:
Joanne is originally from Ventura County, who, after living there her entire life, moved to LA County in 2022 shortly after getting a job with UCLA. She's currently a systems administrator and has been working in IT since 2009

• Instagram: @hokerie / https://www.instagram.com/hokerie/

Links/resources:

• Out of the Fog by Dana Morningstar (audiobook - affiliate link)
• The Seven Principles for Making Marriage Work by John Gottman (audiobook - affiliate link)
• KPop Demon Hunters (movie - Wikipedia)
• Yes Please by Amy Poehler (audiobook - affiliate link)
• Dear Girls by Ali Wong (audiobook - affiliate link)
• I Can’t Make This Up by Kevin Hart (book summary)
• Born A Crime by Trevor Noah (book summary)

Send us a text

Support the show

One Thousand Gurus Podcast:
Everyone has a compelling story to tell with insights we can all be inspired by. J.R. Yonocruz is a self-improvement blogger, relationship coach, and serial hobbyist with a passion for learning. He interviews unique guests from various fields to distill the strategies, habits, and mindsets we can use in our own lives. Each “guru” has a chance to give the audience a peek into a new world.

• 💻 Website: www.onethousandgurus.com
• 🔗 All links & socials: https://bio.site/onethousandgurus
• 📚 Learning guides: https://stan.store/marloyonocruz