Common Cent$ Pod

Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth - from the perspective of first-generation adults trying to figure it out just like you. In this episode, Umar and Dami break down how to actually read a stock chart - the skill that quietly separates guessing from investing. They start with what a chart really tells you (and what i...

Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth - from the perspective of first-generation adults trying to figure it out just like you. In this episode, Umar and Dami break down market cycles - the single thing that quietly makes or breaks your portfolio. They explain what bull and bear markets actually are, how corrections diff...

Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth - from the perspective of first-generation adults trying to figure it out just like you. In Episode 014, Umar and Dami get into one of the most overlooked wealth-building moves you can make: engineering your own promotion. Your income is your most powerful financial tool, and every...

Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth - from the perspective of first-generation adults trying to figure it out just like you. Episode 013 gets into one of those topics that sounds simple on the surface but hits different when you actually run the numbers — living within your means. Most people think they're doing i...

Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth — from the perspective of first-generation adults trying to figure it out just like you. In Episode 12, we’re talking about the money conversations people avoid — salary, debt, family expectations, workplace pay, and even the conversations we avoid having with ourselves. Money is pe...

Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth — from the perspective of first-generation adults trying to figure it out just like you. In Episode 11, we’re talking about the economy — inflation, interest rates, and why wages aren’t keeping up with the cost of living. If groceries, rent, gas, car payments, and everyday expenses...

Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth - from the perspective of first-generation adults trying to figure it out just like you. In Episode 10, we’re revisiting one of the most important topics for anybody starting their money journey: investing for beginners, part two. This time, we go deeper into what you should actuall...

Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth - from the perspective of first-generation adults trying to figure it out just like you. In Episode 9, we’re talking financial vehicles to build wealth - what they are, why they matter, and how to actually use them to move your money in the right direction. We break down the major w...

Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth - from the perspective of first-generation adults trying to figure it out just like you. In Episode 8, we are talking about that first 10K - what it feels like to finally save it, why it matters, and how it changes the way you think about money. We break down the emotional side of h...

Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth — from the perspective of first-generation adults trying to figure it out just like you. In Episode 7: Financial Systems to Build Wealth, we’re talking about the systems that make money management consistent — even when motivation and discipline fall off. We break down what a financ...

Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth — from the perspective of first-generation adults trying to figure it out just like you. In Episode 6, we’re talking credit cards — what they are, why banks love them, and how to use them the right way so you’re getting the perks without falling into the debt traps. We break down ke...

Welcome back to Common Cent$ , where two Nigerian-American millennials break down money, culture, and building wealth — all from the perspective of first-generation adults trying to figure it out just like you. In Episode 5 , we’re starting the year off with something practical: financial resources . We share the books, podcasts, websites, and real-life habits that helped us learn money management...

In Episode 4, we're talking money and relationships — family, dating, and friendships. From navigating financial pressure as first-borns, to setting boundaries with family back home, to managing money inside a relationship, and even how finances shape who we call “friend,” we get into the dynamics nobody really explains to us growing up. We also talk red flags, green flags, splitting bills, bo...

Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth — all from the perspective of first-generation adults trying to figure it out just like you. In Episode 3, we’re talking big purchases in your 20s — the ones that genuinely build your future, and the ones that quietly hold you back. From luxury cars to being outside every weekend, w...

Welcome back to Common Cent$ , a podcast where two Nigerian-American millennials keep it real about money, culture, and building wealth in today’s economy. In this episode, we’re breaking down Investing for Beginners — from what investing actually means, when to start, what to invest in, and the mindset needed to build long-term wealth. We also share lessons from our personal investing journeys, t...

Welcome to Common Cent$, a podcast where two Nigerian-American men in their late 20s talk real about money, culture, and building wealth in today’s world. In this pilot episode, we’re setting the stage — who we are, why this podcast is needed, and what you can expect from future episodes. We noticed something missing in the finance space: authentic conversations from the African diaspora and mille...