GU ERNEST

Dollars & Decisions

Business EN ↓ 48 episodes

Money isn’t just numbers — it’s the decisions you make with every dollar you earn, save and invest. This podcast is made for regular Americans tired of overcomplicated finance content. We simplify US market news, stock investing, budgeting, debt payoff, tax hacks and long-term wealth growth in plain English. No gatekeeping, no get-rich-quick schemes — just realistic, reliable guidance to help you take full control of your financial life, one smart decision at a time.

Author

GU ERNEST

Category

Business

Latest episode

Jul 11, 2026

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Episodes

Middle Class Traps and the Messy Math of Getting Ahead 11.07.2026

7 Middle Class Habits Keeping You Stuck in the Rat Race Building wealth is not easy, and it's made even more difficult when we do things unknowingly that sabotage ourselves on our path to financial independence. In this video, I go over 7 habits that keep people stuck where they are. Being aware of these habits is the first step toward levelling up financially.

Why I Don't Use Debit Cards (The Truth) 11.07.2026

Why I Don't Use Debit Cards (The Truth) Here's an explanation of why I don't use Debit Cards anymore. We also talk about the difference between Credit and Debit cards, and who each card is good for.

5 Signs You’re on Track to Being a Multi-Millionaire 10.07.2026

5 Signs You’re on Track to Being a Multi-Millionaire In this episode we cover 5 signs that you're definitely on track of becoming a multi millionaire at some point in your life. How many of the signs apply to you? Let me know in the comments and subscribe to the channel if you haven't already :)

I Hired 3 Financial Advisors on Fiverr to Rate My Finances *shocking results* 09.07.2026

I Hired 3 Financial Advisors on Fiverr to Rate My Finances *shocking results* I always wondered what kind of financial advice you could get off of Fiverr so I decided to test it out. 3 different price points - was I going to get good quality advice? If I needed an advisor in a pinch, could I rely on someone from Fiverr? Today, we find out! Fiverr Financial Advisors and the Price of Advice

7 Major Differences Between Rich and Poor People 08.07.2026

7 Major Differences Between Rich and Poor People There are several subtle mindset shifts that anyone can slowly start implementing that, over time, will help you on the road to being wealthy. Today, we'll be going through the 7 differences between the rich and the poor. Stealth Wealth, Compounding, and the Ugly Truth About Money Habits

How To Manage Your Money Like The Top 1% (The 60/30/10 Rule) 07.07.2026

How To Manage Your Money Like The Top 1% (The 60/30/10 Rule) In this video, we talk about one of the personal finance rules of money management that even the wealthy will use. This is called the 60/30/10 rule and it's an updated version of the 50/30/20 because personally, I think the 50/30/20 rule is dead with most Americans dealing with higher costs of living. However, even though the rule has ch...

Getting to $10K Net Worth Without Lying to Yourself 06.07.2026

How to Make Your First $10K In Net Worth (Step by Step) Being under a $10k net worth can be a tough hole to get out of. Luckily, there are a few habits you can build and things you can do to slowly grow that net worth to have more of your money work for you. In this video, we go through 4 steps to moving beyond a $10k net worth that anyone can do!

Credit Cards and Salary Brackets 05.07.2026

The 7 Best Credit Cards In this episode we go over some of my favorite credit card picks , and I go through them by salary: $50,000 and below, $50k - 150k, and $150k+. Let me know in the comments what you think, and 👾 Join our free Discord Community for further discussion: / discord

Cash, Concentration, and the Fear of Investing 05.07.2026

Roasting My Subscribers’ Investment Portfolios *insane* We are back again for part 3 of Roasting My Subscriber's Portfolios. This week we go over the investment portfolios of a mid 20s woman studying for her CPA exam who has kept cash (literally) under her mattress, a SF power couple with a ridiculously large income and $500K+ in one stock and a late 20s couple from Minnesota.

Seven realistic ways to make an extra $1,000 a month 04.07.2026

7 Realistic Side Hustles to Make $1000 Per Month

Why the Middle Class Feels Squeezed 02.07.2026

Why The Middle Class Is Screwed (The Great Squeeze)

Poverty Is Expensive 02.07.2026

Why It's More Expensive To Be Poor (Actual Data) It's More Expensive to be Poor in many countries, especially in the US, and we examine today the multiple factors that contribute to this problem. Food deserts, consumer finance, healthcare, housing, transportation, credit scores, all contribute heavily to this issue that lower income brackets may face.

Leasing vs Buying: The Car Math Fight 02.07.2026

Leasing vs Buying a Car: Which is ACTUALLY Cheaper?

Money Myths, Big Moves 02.07.2026

12 Money Myths Wasting Your Time & Energy In this episode I discuss 12 Money Myths Wasting Your Time & Energy, these are common money beliefs that I think hold people back, and if you watch this video you can check if these apply to you.

Money Myths, Big Costs, and the Stuff People Actually Miss 01.07.2026

12 Money Myths Wasting Your Time & Energy In this episode I discuss 12 Money Myths Wasting Your Time & Energy, these are common money beliefs that I think hold people back, and if you watch this video you can check if these apply to you.

How to Make Money Online: The 4 Levels 01.07.2026

How to Make Money Online: The 4 Levels In this episode I discuss the 4 levels of making money online - brute force, freelancing, products, and services. I also talk about my $2M revenue e-commerce journey when I first became an entrepreneur. It's a long video but I hope you enjoy!

Signs You're Doing Well Financially (Even if it doesn't feel like it) 01.07.2026

Signs You're Doing Well Financially (Even if it doesn't feel like it) In this Episode we go over Signs You're Doing Well Financially - even if it doesn't feel that way sometimes

How to Get Rich: Index Fund Investing for Beginners 29.06.2026

How to Get Rich: Index Fund Investing for Beginners According to Warren Buffett, you should avoid these 5 common things people do in their lives in order to have financial success. Enjoy

8 Dividend Stocks That Pay Me $660+ Per Month 29.06.2026

8 Dividend Stocks That Pay Me $660+ Per Month

Switching Jobs Leads To 38% More Pay (Here's Why) 29.06.2026

Switching Jobs Leads To 38% More Pay (Here's Why) According to studies, Switching Jobs, or job hopping, is the fastest way to earn a higher incom

Signs You're Doing Well Financially (Even if it doesn't feel like it) 29.06.2026

Signs You're Doing Well Financially (Even if it doesn't feel like it)

Small Buys That Actually Change Your Day-10 Purchases Under $200 That Save Time & Money 29.06.2026

10 Purchases Under $200 That Save Time & Money In this episode I share with you my favorite 10 Purchases Under $200 That Save Time & Money!

The Fed Pauses Rate Hikes: How It Affects Stocks, Housing, and the Economy 28.06.2026

The Fed Pauses Rate Hikes: How It Affects Stocks, Housing, and the Economy

How to Get Rich: Index Fund Investing for Beginners 28.06.2026

How to Get Rich: Index Fund Investing for Beginners How to get Rich: Index Fund Investing for Beginners! We talk all about the advantages of index funds, expense ratios, etc and why Warren Buffett loves this passive investing strategy for most investors!

America’s Wealth Inequality Is Way More Extreme Than People Think 28.06.2026

Wealth Inequality in America Has Never Been Worse. The Middle Class Has Disappeared What Wealth Inequality in America looks like. Special thanks to user politzane for the inspiration - their Episode will be linked down below. Another huge thanks to Rickie, Chris, Abdullah, and anyone else who helped on the video. Let me know in the comments what you thought.

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