My Two Cents: Finance for Teens & Young Adults

Is telehealth actually cheaper, or just more convenient? This episode of Your Health, Your Wealth breaks down what a video doctor's visit really costs compared to going in person - from the US to the UK to India - plus when it makes sense to skip the app and get seen in person instead. Disclaimer: This episode is for educational purposes only and does not constitute medical or financial advic...

This episode digs into how the wellness industry turns "fix yourself" into a recurring charge on your card - often with little to no evidence it actually works - using the viral "Nature's Ozempic" trend to show exactly how. Disclaimer: This episode is for educational and financial literacy purposes only and is not medical, nutritional, or financial advice. Always talk to a...

You drive for DoorDash, get sick, and realize there's no employer health plan waiting for you. This episode breaks down why gig work leaves millions uninsured  and what to actually do about it. This episode is for educational purposes only and isn't personal financial, tax, legal, or health insurance advice. Always check current rules for your own situation.

Ever picked up a prescription expecting a normal copay and gotten hit with a $200 bill instead? We get into why that happens - why the same drug can have five different prices, and why Americans pay more for prescriptions than almost anywhere else in the world. Plus: how those costs sneak into your premium or your paycheck even if you've never filled a prescription.

In this episode of My Two Cents, we explore overconfidence bias: the tendency for investors to overestimate what they know, how well they can predict the market, or how skilled they are at picking winners. Listeners will learn how overconfidence can lead to too much trading, too much risk, and too little attention to what could go wrong. Research mentioned in this episode: Barber, B. M., & Ode...

Why do smart people still make investing mistakes? In the first episode of the series  Behavioral Insights into Investing , My Two Cents explores how behavioral biases like overconfidence, herding, loss aversion, and the disposition effect can shape the way individual investors trade, react to risk, and make decisions. This episode also looks at why financial literacy matters, especially for teens...

Your health and your wallet are more connected than you think. In this episode of My Two Cents , we kick off a new series exploring how physical health, mental well-being, and money shape each other - starting with a real-world experiment that gave people $500 a month, no strings attached, and tracked what happened next. Backed by peer-reviewed research and data from around the world. For educatio...

Why do investors keep finding evidence that supports a stock they already believe in? This episode of My Two Cents: Behavioral Insights into Investing explores confirmation bias through the dot-com bubble and a study of nearly 400,000 StockTwits users. We look at how investors create information echo chambers, interpret good and bad news differently, and allow an investment thesis to survive even...

Why does an investment feel safer when everyone else is buying it? In this episode of Behavioral Insights into Investing , we explore herding—the tendency to follow the crowd when markets feel uncertain. Learn how social signals can shape investor decisions, amplify booms and crashes, and make popularity feel like proof. This episode is for educational purposes only and is not investing advice. Re...

Why can losing $20 feel more powerful than gaining $20? In this episode of Behavioral Insights into Investing , we explore loss aversion, the disposition effect, and why investors may hold losing investments while selling winners too soon. We also look at how reference points, frequent portfolio checking, and emotion can shape investment decisions. This episode is for educational and awareness pur...

In this episode, Mahima interviews Gio Ahern, an investing partner at Andreessen Horowitz, discussing his journey from high school to a career in investing. They explore the daily life of an investor, essential skills for young investors, and the differences between private equity and venture capital. Gio breaks down complex investment terms and shares insights on trends in healthcare technology....

In Part 2 of our "Scam-Proof Your Brain" series, we examine three digital scams that disproportionately affect teens: online shopping fraud, imposter scams, and cryptocurrency investment schemes. Mahima explores the phenomenon of perceived financial success in cryptocurrency, highlighting how social media influences investment behaviors and contributes to fraudulent activities by exploit...

In Part 1 of our "Scam-Proof Your Brain" series, Mahima examine's fake scholarship and job scams - two of the most common frauds targeting teens. Discover how scammers exploit scarcity and urgency manipulation to bypass critical thinking, and learn why optimism bias makes even smart people vulnerable. This episode references peer-reviewed research from Taylor's University, the...

In this episode, Mahima interviews financial advisor Nicolle Willson, of Team Hewins, who shares her journey and insights into financial planning. They discuss the role of a financial advisor, the importance of early financial habits, and practical money management tips for young adults. The conversation also touches on the future of personal finance, including digital trends and the importance of...

This episode explores the financial aspects of wellness, discussing why healthy living can feel expensive and how to make smarter financial choices around food and fitness. Mahima highlights the growth of the wellness economy,  factors contributing to high prices, and offers global examples of affordable health solutions. The episode concludes with practical tips for integrating health and wealth,...

Are you a teen / young adult? Heading to college in a few years? Starting a new job? Traveling out of your country for vacation or study abroad program?  If you answered yes to any of these - this episode is for you.   Learn the basics of health insurance, including key terms like premiums, deductibles, and copays. Explore different health insurance models around the world, practical tips for navi...

In this episode of My Two Cents, Mahima speaks with Ishan, a consultant and venture capitalist, about his journey into finance and investing. Ishan shares insights from his experience, myths surrounding quick wealth in investing and practical advice for young entrepreneurs. The conversation highlights the significance of understanding money management for all careers and provides resources for lea...

Mahima sits down with Ruhi, a young dentist who just bought her own practice. They dive into things we all need to deal with - credit scores, saving vs. spending, and how to start investing. Ruhi keeps it real about the trade-offs, the wins, and the lessons she wishes she learned earlier. 

In this episode, Mahima sits down with Sri (pronounced “Shree”) Rejeti - the co-owner of and a powerhouse behind Beaulogy, a buzzing salon in Fremont, California. Sri spills the tea on what it’s actually like to chase your passion, from stressing over money and pricing to keeping a solid team. 

In this episode, Mahima breaks down compound interest, the time value of money, and why starting early, even with just a little, can lead to big growth. Only 17% of young adults can explain compound interest. That means 83% of our peers are missing out on what could be free money. You're ahead by just listening to this episode. *Disclaimer: This podcast is for educational purposes only and no...

In the debut episode of 'My Two Cents,' host Mahima sits down with guest Ruiqi He, exploring her unique journey from a successful consulting career to the world of acting. They delve into personal finance lessons learned through Ruiqi's experiences, the importance of mindset in both finance and creative careers, and practical advice for teens pursuing their passions.