The most played episodes among Podcast App listeners.

1. 1
   Number 1: Buy Now Pay Later Rent, $20/hr Chief Of Staff, and Ethical Cannibalism | Ep 54

   In Episode 54 of the Personal Finance Club Show, Jeremy and Jenn start off with banter about surviving on gas station food and the Andes flight disaster before diving into "Scroll Patrol" to react to online money advice. In "Hot Topics," they tackle the rising trend of Buy Now, Pay Later services being used for rent payments. Jeremy warns how spreading out rent payments tempts people into living beyond their means and masks deeper financial strain, emphasizing that fixing income, housing, transportation, and food costs is the real path to financial stability rather than relying on high-risk Band-Aid solutions. Next, in "Can I Ask A Dumb One?", Jeremy and Jenn answer a question from Ron in Pittsburgh about essential personal finance books. They highlight timeless classics like The Simple Path to Wealth, The Little Book of Common Sense Investing, The Millionaire Next Door, A Random Walk Down Wall Street, and Die With Zero, summarizing their core message into simple rules: live below your means, avoid debt, and buy and hold index funds. Finally, in "Jeremy Had Time Today," they revisit a TikTok post from five years ago to show how a $10,000 investment would have grown to over $18,000 today, demonstrating why sitting on profitable companies through index funds builds reliable long-term wealth. They close with their signature reminder to live below your means and invest early and often. Helpful links:Planet Money episode Buy now, pay dearly?: https://www.npr.org/2025/11/12/nx-s1-5605981/buy-now-pay-dearly-updateAsk a question: https://personalfinanceclub.com/ask/Flat-Fee Financial Advisors: https://hellonectarine.com/One hour learn to invest course (free): https://personalfinanceclub.com/start-here/Codie Sanchez: https://www.facebook.com/reel/1198681869801448Buy Now Pay Later Rent: https://www.instagram.com/p/DUcYPqzkape/Jeremy Had Time Today: https://www.tiktok.com/@personalfinanceclub/video/7003450186433350918

   September 24, 2026·45min
   Play
2. 2
   Number 2: Don’t Pay Your Debt, Bonds Surge, and Are Mortgages Anti-Millionaire? | Ep 53

   In Episode 53 of the Personal Finance Club Show, Jeremy and Jenn kick things off with a game of "Name That Celeb" during banter before jumping into "Scroll Patrol" to react to trending online money advice. In "Hot Topics," they tackle bond yields and demystify how bonds work, defining key concepts like principal, coupon rates, and market price. Jeremy explains why bond values fluctuate inverse to interest rates and highlights why holding simple, self-cleansing bond index funds beats trying to pick individual bonds.Next, in "Can I Ask A Dumb One?", Jeremy and Jenn take a question from Scott in Boise about bond allocation in retirement. Jeremy walks through a scenario comparing two retirees during the 2008 Great Financial Crisis, demonstrating how sequence of returns risk can devastate an all-stock portfolio while showing how a balanced allocation supported by the historic Trinity Study provides the best long-term survival rate. Finally, in "Jeremy Had Time Today," they address TikTok comments regarding tax strategies, dispelling the myth that writing off expenses is the same as getting free money, before ending with their signature reminder to live below your means and invest early and often.Helpful links:Ask a question: https://personalfinanceclub.com/ask/Flat-Fee Financial Advisors: https://hellonectarine.com/One hour learn to invest course (free): https://personalfinanceclub.com/start-here/Bond surge: https://www.instagram.com/p/DcOlapXm-Wd/Scroll Patrol: https://www.instagram.com/reel/Dbg2Z06vlWd/?igsi=NTc4MTIwNjQ2YQ==Jeremy Had Time Today: https://www.tiktok.com/@personalfinanceclub/video/7112481280427658542

   September 17, 2026·59min
   Play
3. 3
   Number 3: Reddit in the S&P, VOO vs VTI, and Momentum Index vs. Global Index | Ep 52

   In Episode 52 of the Personal Finance Club Show, Jeremy and Jenn kick off with "Scroll Patrol" before diving into the big news in "Hot Topics": Reddit joining the S&P 500. They break down what it takes for a company to join the benchmark index, who got booted to make room, and how often additions and removals actually happen. They also highlight the self-cleansing nature of index funds, showing why holding total market indices allows investors to automatically benefit from top performers over time without needing to pick individual winners.Next, in "Can I Ask A Dumb One?", Jeremy and Jenn answer an audio question from Stephanie in Michigan about portfolio overlap between VOO and VTI. They explain how much these funds overlap, weigh the tax consequences of selling in a taxable account versus an IRA, and discuss whether it is better to consolidate for simplicity or leave existing holdings alone. Finally, in "Jeremy Had Time Today," they react to an Instagram comment on a Forrest Gump reel, breaking down why momentum ETFs like SPMO and concentrated tech funds like QQQ are often just ways of chasing past performance. They wrap up with their signature reminder to live below your means and invest early and often.Helpful links:Ask a question: https://personalfinanceclub.com/ask/Flat-Fee Financial Advisors: https://hellonectarine.com/One hour learn to invest course (free): https://personalfinanceclub.com/start-here/https://www.cnbc.com/2026/08/13/reddit-shares-jump-11percent-on-inclusion-in-sp-500.htmlhttps://personalfinanceclub.com/what-is-the-best-index-fund-comparing-us-total-market-and-sp-500-index-funds/

   September 10, 2026·47min
   Play
4. 4
   Number 4: Girl Retirement Math, Investing On Margin, and A Letter From Guam | Ep 51

   In Episode 51 of the Personal Finance Club Show, Jeremy and Jenn share pre-FinCon banter before opening "Scroll Patrol" to review online money trends. Moving into "Hot Topics," they tackle the dangerous reality of investing on margin, explaining how leverage amplifies both gains and losses. Jeremy breaks down current high-margin borrowing rates and shares a cautionary story of a real estate investor who lost everything using high leverage to warn listeners against gambling with borrowed cash.In "Can I Ask A Dumb One?", they answer an audio question from Marlon in Guam on whether to rollover or cash out his military Roth TSP when separating from service. Jeremy advises against cashing out retirement funds early to buy a vehicle, explains why combining accounts doesn't mathematically increase compound growth, and breaks down the few real reasons to initiate a 401(k) rollover. Finally, in "Jeremy Had Time Today," they respond to Facebook critics pointing out missing nuances on early retirement graphics, ending as always with their core rule to live below your means and invest early and often.Helpful links: • Ask a question: https://personalfinanceclub.com/ask/ • Flat-Fee Financial Advisors: https://hellonectarine.com/ • One hour learn to invest course (free): https://personalfinanceclub.com/start-here/ • Six ways to access retirement funds early: https://personalfinanceclub.com/six-ways-to-access-retirement-funds-early/ • Larry Loves Leverage: https://personalfinanceclub.com/should-i-use-leverage-to-invest-aggressively/ • FinCon https://finconexpo.com/ CODE: JEREMYFC

   September 03, 2026·39min
   Play
5. 5
   Number 5: NYC Wealth Tax, Down Payment Percent, College Boyfriend’s Financial Tips | Ep 50

   In this episode of the Personal Finance Club Show, Jeremy and Jenn kick off the episode with some back-to-school banter about supply budgets before jumping into "Scroll Patrol" to break down viral financial advice. Next, they take a deep dive into the "Hot Topics" segment to analyze NYC’s proposed wealth tax on non-primary residences. Jeremy walks through how tax structures historically favor the ultra-wealthy, highlighting real-world math on wealth inequality where the top 1% holds 35% of all household wealth while the bottom 50% shares just 2.5%. In "Can I Ask A Dumb One?", the hosts answer a video question from Shaun, a high school teacher aiming for a massive 40-50% down payment to keep his mortgage payment manageable. They break down the 20% down payment baseline to avoid PMI, outline why total housing costs should stay under 30% of income, and give listeners permission to rent rather than stretch themselves house-poor. Finally, in "Jeremy Had Time Today," they review recent feedback on Threads, closing out with their golden rule: live below your means and invest early and often. Helpful links:Ramit’s NYC Wealth Tax post: https://www.instagram.com/reels/DbbpVFVSKBm/Scroll Patrol: https://www.tiktok.com/@lysazal/video/7668384518897667341Ask a question: https://personalfinanceclub.com/ask/Flat-Fee Financial Advisors: https://hellonectarine.com/One hour learn to invest course (free): https://personalfinanceclub.com/start-here/

   August 27, 2026·55min
   Play