**Public Service Announcement: I made a mistake in the Success Formula. It should be divided by Unluck OR multipled by Luck. This is why we never do math in public. Whoops!**
0:00 – Intro
2:03 – Numbers Don't Lie, But…
7:26 – I'm Just Like You
10:30 – They're Not Actually Investing
14:30 – When Should You Speculate?
15:20 – The One Thng You Should Learn From Young Millionaires
Personal Finance Expert Nischa Shah breaks down the 65-20-15 hack to making money, why saving for a house might RUIN your path to financial freedom, and how to build REAL wealth through passive income, smart money habits, and beginner-friendly investing strategies.
Nischa Shah is a qualified accountant and ex-investment banker who walked away from a 6-figure career to teach millions how to take control of their money. She’s the creator of the fast-growing YouTube channel ‘Nischa’ with over 1 million subscribers, where she breaks down debt, saving, and investing.
She explains:
◻️The 65-20-15 money framework that generates passive income without a job.
◻️How to invest in index funds and retire early with compound interest.
◻️Why your job might be making you poorer every day.
◻️The dangerous lie about “saving = security” and what to do instead.
◻️Why the credit card trap is costing you thousands without you realising.
⏱ Timestamps:
00:00 Intro
02:33 My Mission to Spread Actionable Money Tips
04:33 Trauma and the Link to Money Attachment Styles
08:39 The 4 Steps to Take Control of Your Finances
11:41 Rerecorded
12:03 Paying Your Debts
14:00 The Emergency Financial Buffer We All Need
15:12 What to Do With Saved Money
17:14 Do These 3 Things Before Investing
20:05 Why You Should Save for Retirement
23:01 Spending Money for External Validation
27:41 What to Invest In
31:14 How to Get a Salary Raise
37:12 Is Buying a House a Good Investment?
44:49 What Is Opportunity Cost?
48:59 Should You Split Your Investments?
53:47 What Does Nisha's Portfolio Look Like?
56:45 Ads
57:36 The Best Book to Learn About Finance
01:01:19 Should I Buy or Lease a Car?
01:04:40 Should We Sacrifice Some of Our Enjoyments?
01:07:35 What's the Best Way to Track Your Numbers?
01:11:16 The Role of Money in Relationships
01:16:23 What Is Passive Income and How to Get It
01:22:02 Ads
01:23:53 Making Millions With YouTube
01:29:45 Doing Your Finances With AI
01:36:33 The Importance of Your Credit Score
01:45:25 What Would You Not Spend Money On?
01:48:57 My Dad's Words Changed Me
01:58:02 I Felt So Much Pain During My Career
02:01:26 Your Hardest Day
💡You can find out more about Nischa’s ‘Intentional Spending Tracker’, here: https://bit.ly/3GR5gEC
The Diary Of A CEO:
⬜️Join DOAC circle here – https://doaccircle.com/
⬜️Buy The Diary Of A CEO book here – https://smarturl.it/DOACbook
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⬜️Get email updates – https://bit.ly/diary-of-a-ceo-yt
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Sponsors:
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Intuit – http://intuit.com/expert-careers
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CONNECT WITH ME
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Contact ► ethan@boldmda.com
When you're trying to make money online. A great business model is dropshipping on shopify. But most online gurus selling courses are not telling you the truth. Here's how to build an ecommerce business dropshipping by running facebook ads, finding winning products, and building your store.
Finance expert and author of “Main Street Millionaire”, Codie Sanchez, exposes why conventional money advice is wrong and shares the secret wealth-building strategy that created today's millionaires. Stop following bad advice and learn how wealth is ACTUALLY built. This may be the most valuable financial education you'll ever get.
In this interview, we discuss:
00:00 Intro
01:57 What Makes Rich People Rich?
04:40 The Reason Why People Don’t Talk About Money
06:30 Where Are We At Financially?
09:50 Misconceptions About What Makes Money
13:00 4-Step Process to Consistently Make Money
14:47 Academic Skills Don’t Translate to a Stable Career
17:44 Do You Need Money to Make Money?
23:06 The Key to Wealth is Taking Risks
26:48 We Can All Get Rich Together
32:52 Focus on the Foundation, not Tactics
35:28 You’ll Make Less Money if You Think You Will
36:57 Learn To Ask the Right Questions
43:57 The Best Mentorship Advice
49:06 You Can Make Money From Anything
52:33 The Richest People Started Small
54:19 What Core Business Skills You Should Invest In
01:00:16 Recognize Your Value to Get Better Deals
01:10:21 Every Business has a Value
01:13:49 Are You Bad at Math
01:17:47 Codie on Final Five
