I Got Cents Podcast

The huge success of Bitcoin has motivated the creation of more and more forms of digital currency payment systems that are instant, fun, and free from using the traditional banking system by using blockchain technology. Dogecoin, around since late 2013, has emerged as the follow-up act to Bitcoin in popularity and the coin of choice for retail investors to ride to riches. Early on in 2014, for a b...

Every stock trader is thinking of how to get rich quick. Every institutional investor is trying to deliver the highest return on investment to their shareholders. The sophistication of technology and social media has given us all better insight to what everybody is doing as well as why they're doing it. This transparency has cause a head on collision between Wall Street and Social Responsibility....

The most successful people in the world have these 4 things in common: discipline, focus, growth and confidence. Once those 4 pillars are manifested into who you are as a person, you then have established a foundation to build upon. Chyon and Andre discuss how these characteristics have helped them achieve their goals and be successful. Tune in and #getyousomecents 🪙! Become a patron to support o...

At some point in time, everyone has talked about what they would do if they had a million dollars, but we rarely talk about what it takes to get a million dollars. Managing money and investing is 80% behavior and 20% knowledge. What are you doing to get to where you say you want to be? Show me what you spend most of your time doing and I'll show you where you'll be this same time next year. Chyon...

We all just witnessed that despite all the progression America has made over the past 257 years, racism is still the biggest issue and because we, the darkest people of color, have suffered more than any other race, we still have a lot of psychological problems that often reveals itself as anger. This anger is justified; however, we must realize more constructive ways to channel our disenfranchise...

Throughout the history of America, it has always been said that the best way to building wealth is through home ownership. Finish high school, get a job down at the local plant, marry your high school sweetheart, save for a down payment on a house, start a family and pass that home on to your kids. Is that blueprint still at the forefront of the American dream? Is home ownership a main goal of you...

Depending on the environment you live in and the life you live, having access to a vehicle can be a necessity or it may be an added unnecessary cost? Everyone who has ever been involved with paying for a car [by way of lease or purchase] has heard by now that a vehicle is one of the worst assets you can every own because it depreciates 15% to 20% as soon as you drive it off the lot. In this episod...

In this episode Chyon and Andre take a deep dive into the purpose of a 401K, benefits, company incentives for having you invest in your 401K and much more! Chyon also sheds light on alternative retirement investment options for entrepreneurs. Tune in and #getyousomecents 🪙! Become a patron to support our podcast and receive access to Chyon’s stock selections, real estate investments, weekly finan...

In this episode, Chyon and Andre discuss the differences between Mutual Funds, Stocks and ETFs; they provide tangible examples of how each can be a great solution based on your knowledge and resources. Chyon also directly answers the following questions: Is a qualified plan better than a non-qualified investment? How do you avoid losing your money in the stock market? Why risk investing in the sto...

In part two of our comparative analysis series - understanding the fine print - Chyon and Andre discuss the pros and cons of life insurance which includes the debate of which is better: term vs. whole life or annuities. Tune in and #getyousomecents 🪙! Become a patron to support our podcast and receive access to Chyon’s stock selections, real estate investments, weekly financial articles, financia...

We're all taught about God, heaven and the after-life, but we're not taught financial literacy and about what to do with the money we have to make the cost of living life better or making plans for the people we love after our life is over. What is your plan for those you leave behind? Are they going to benefit or suffer the consequences of your failure to adequately ensure they are taken care of...

One of the best ways to pay it forward is to affect change through social influence, but you need power in order to have your voice heard. The easiest way to get power is through leveraging your money or having decision-making authority to decide how money is used. Hence the popular lyrics, "Watchu need in life? Money, power, respect!" Tune in and #getyousomecents 🪙! Become a patron to support ou...

In a fast growing, attention craving society, failing fast is a popular way to exploit human psychology. Chyon and Andre discuss how social media platforms use this to their advantage by predicting what appeals to the masses so they can monetarily capitalize on how we humans behave. Tune in and #getyousomecents 🪙! Become a patron to support our podcast and receive access to Chyon’s stock selectio...

In this episode, Chyon and Andre discuss the concept of "begging others to spend your money". This concept shifts our thinking from seeking better employment opportunities to building our own platforms, infrastructures and economies to create our own opportunities. Tune in and #getyousomecents 🪙! Become a patron to support our podcast and receive access to Chyon’s stock selections, real estate in...

Chyon and Andre converse about how to advance the culture through making investing and entrepreneurship a higher priority, versus creating the culture and giving it way by signing bad contracts with individuals outside of the culture. Watch out! Tune in and #getyousomecents 🪙! Become a patron to support our podcast and receive access to Chyon’s stock selections, real estate investments, weekly fi...

In this episode, Chyon and Andre discuss the benefits and fundamentals of investing in the stock market. This includes how to open a brokerage account, fund the account, trade stocks, review your portfolio's performance and assess the value of companies you plan to invest in. Tune in and #getyousomecents 🪙! Become a patron to support our podcast and receive access to Chyon’s stock selections, rea...

Although money won't make you happy in the long-term, learning how to intelligently use your money will help eliminate a lot of the struggles of never having enough money to cover the cost of living better. Tune in and #getyousomecents 🪙! Become a patron to support our podcast and receive access to Chyon’s stock selections, real estate investments, weekly financial articles, financial educational...

In the world of investing, the "bird-in-the-hand" theory states that investors prefer the certainty of dividend payments rather than the possibility of substantially higher future capital gains, which represents the two-in-the-bush." While this conservative and stable perspective sounds logical investment-wise, it's widely frowned upon by the community when our central points of concentrated capit...

Children’s economic well-being is closely tied to their immediate families’ financial success and the financial education they receive growing up. In this week's episode, Chyon and Andre dive into how this begins forming in the household and is either reinforced or undermined by the environment one is raised in. Tune in and #getyousomecents 🪙! Become a patron to support our podcast and receive ac...

Everybody has a million dollar idea. Coming up with a realistic plan and executing your idea into a profitable business is a very high hurdle; building a successful non-profit is an even higher hurdle to cross. In this episode, Chyon and Andre provide valuable tips for pursuing entrepreneurship and shed light on a few "need to knows" about non-profits. Tune in and #getyousomecents 🪙! Become a pat...

In this episode, we dive into the Andre's favorite concept created by Chyon Simmons - the I Got Cents model of building a financial foundation. Tune in and #getyousomecents 🪙! Become a patron to support our podcast and receive access to Chyon’s stock selections, real estate investments, weekly financial articles, financial educational videos and more entrepreneurship and investment related video...

We naturally get most of our financial education from the wrong people. Our parents, too often, teach us nothing and what influencer's teach us is misleading and detrimental because they are just paid sponsors pushing products and services. In this episode, we discuss a few key tips that will position you to crawl, walk, run then jump towards success in the financial world. Tune in and #getyousome...

Welcome to our podcast! In episode 1, Chyon and Andre introduce themselves and shed light on the origins of the I Got Cents perspective, its foundational principles and how the brand has grown over the years. Share this episode with ya momma, ya daddy, ya auntie, uncle, grandparents, nieces, nephew, mail man, lawyer, coworkers, cousins, neighbors, barber, hair stylist, son, daughter, dog, cat and...