I talk with financial planner and coach Harry Goldberg about the mentality many of us carry around finance. We talk about ETFs and goal setting, then I get into some more depth by asking whether we're headed for another recession (money printers, I'm looking at you). I personally take a lot of my more conservative financial advice from the likes of Dave Ramsey, Graham Stephan, Warren Buffet. They're the ones that have helped me learn to budget, save and value invest. I've got a wild side too, though. I'm really into cryptocurrencies (especially small cap alt coins), and I attempt to take a Peter Thiel type approach of value analysis. No matter what my risk profile is, I do a LOT of research. I believe this is key if you're hoping to make more than the 6% PA. Or you could just yolo on Wallstreetbets. Whatever work for you.