GU ERNEST
Dollars & Decisions
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.
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GU ERNEST
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10 sep 2026
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Avsnitt
How to Get Rich: Index Fund Investing for Beginners 29.06.2026 12:36
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 13:29
8 Dividend Stocks That Pay Me $660+ Per Month
Switching Jobs Leads To 38% More Pay (Here's Why) 29.06.2026 10:12
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 12:43
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 12:47
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 11:55
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 12:03
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 11:30
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.
How to Retire As Early As Possible (Starting from $0) 28.06.2026 10:12
How to Retire As Early As Possible (Starting from $0) How we can reach financial independence and retire earlier - if we know three variables about our own finances, we can create a plan for retiring faster than the average person does.
The 7 Levels of Wealth - What Stage Are YOU In? 28.06.2026 10:15
The 7 Levels of Wealth - What Stage Are YOU In? In today's Episode we discuss the 7 levels of wealth and what distinguishes every level, popularized by Grant Sabatier. Depending on where you're at, you could have different goals for the next level including saving for retirement, building an emergency fund, starting or funding a Roth IRA or 401k, Investing, etc. You may even want to pay off your h...
8 Beginner Investing Mistakes I'll Never Make Again (After 10 Years of Experience) 27.06.2026 14:48
8 Beginner Investing Mistakes I'll Never Make Again (After 10 Years of Experience) This is how I would build a stock portfolio if I could start all over again! There are 8 key tips that we go over in this episode. Enjoy and comment below your favorite tip.
Should You Pay Off Your Mortgage Early or Invest? | Financial Advisor Explains 27.06.2026 13:16
Should You Pay Off Your Mortgage Early or Invest? | Financial Advisor Explains In this Episodes, we go over the best way to go about where to put your excess cash when you have an existing mortgage. What is the optimal decision? Is it really smarter to invest the money instead of paying off the home? What are the other intangible factors? All that will be answered today.
Personal finance lessons that actually stick 26.06.2026 13:27
10 Crucial Personal Finance Lessons That Transformed My Life I go over the best lessons, or the greatest hits of personal finance lessons that not only changed my life - but can change yours too! Understand and implement these and you be a lot richer, and financially free.
What Percent of Your Income Should You Invest? 26.06.2026 13:00
What Percent of Your Income Should You Invest? According to a recent study by Vanguard, the data show us that we as Americans are not investing enough. They looked at 5 million participants who had defined contribution plans, so these are just retirement plans in which the employer and employee contribute together. In this episode we dive into what percent of your income you should be investing in...
Rational Wealth Mindset 25.06.2026 21:26
Rational Wealth Mindset Core Definition Break free from wealth anxiety, get-rich-quick fantasies, conspicuous consumption, money shame and other extreme distorted perceptions of money. Cultivate an objective, peaceful long-term mindset toward wealth, acting as the spiritual core of the podcast. Detailed Explanation Reject two extreme harmful money mindsets: Speculative get-rich-quick mentality: Ob...
Financial Decision Making 25.06.2026 21:09
1. Financial Decision Making Core Definition All wealth-related actions are guided by replicable, self-consistent personal financial thinking frameworks, rather than rumors, impulses, herd mentality or speculation. This serves as the fundamental behavioral foundation of all podcast content. Detailed Explanation Distinguish blind speculation from active independent decision-making: Most retail inve...
Stock Expert: Becoming Rich Is Simple, But You Won’t Do It! (Part 4) 23.06.2026 21:44
Stock Expert: Becoming Rich Is Simple, But You Won’t Do It! Will is a Portfolio Manager and Chief Investment Officer for PWL Capital, and evidence-based investing expert who translates academic finance research into practical decisions for everyday people. He is known for using data, behavioral science, and simple frameworks to help people build wealth without falling for the traps of the financia...
Stock Expert: Becoming Rich Is Simple, But You Won’t Do It! (Part 3) 23.06.2026 21:42
Stock Expert: Becoming Rich Is Simple, But You Won’t Do It! Will is a Portfolio Manager and Chief Investment Officer for PWL Capital, and evidence-based investing expert who translates academic finance research into practical decisions for everyday people. He is known for using data, behavioral science, and simple frameworks to help people build wealth without falling for the traps of the financia...
Stock Expert: Becoming Rich Is Simple, But You Won’t Do It!(part 2) 22.06.2026 21:05
Stock Expert: Becoming Rich Is Simple, But You Won’t Do It! Will is a Portfolio Manager and Chief Investment Officer for PWL Capital, and evidence-based investing expert who translates academic finance research into practical decisions for everyday people. He is known for using data, behavioral science, and simple frameworks to help people build wealth without falling for the traps of the financia...
Stock Expert: Becoming Rich Is Simple, But You Won’t Do It! (Part 1) 22.06.2026 25:50
Stock Expert: Becoming Rich Is Simple, But You Won’t Do It! Will is a Portfolio Manager and Chief Investment Officer for PWL Capital, and evidence-based investing expert who translates academic finance research into practical decisions for everyday people. He is known for using data, behavioral science, and simple frameworks to help people build wealth without falling for the traps of the financia...
The Money Expert: #1 Formula to Get RICH Off Your Normal Salary (It’s EASY!) 21.06.2026 36:05
The Money Expert: #1 Formula to Get RICH Off Your Normal Salary (It’s EASY!) In this episode, you'll learn: How to Negotiate Your Rent and Save More How to Use Credit the Right Way to Build Wealth How to Start a Business With Little to No Money How to Keep Your Job and Still Grow a Side Hustle How to Turn Problems Into Profitable Opportunities How to Talk About Money in Relationships How to Invest...
The One Simple Budgeting Method That Changed My Life-Run Your Money Like a Business 21.06.2026 15:40
The One Simple Budgeting Method That Changed My Life This budgeting method I talk about in today's episode really changed the way I view my own finances. It's called the P&L Method, or running your life like you would a business. Every month, I have my own personal P&L sheet, and I've also created one for you guys so you can budget on your own today too.
Money, Patience, and the Weird Advantage of Being Ordinary 20.06.2026 28:52
Wealth Expert: Do THIS Every Time You Get Paid | Morgan Housel Is true wealthbuilding as simple as asking for a raise? Or is it just picking the right stock? Well… no. Morgan Housel argues the cornerstone of true wealthbuilding lies in understanding — and controlling — your behavior. After studying the psychology of money and writing The Psychology of Money, he’s seen why brilliant people go broke...
You Can Change Your Finances in 3 Months (Here’s How)(Personal Budgeting) 20.06.2026 21:33
Personal Budgeting In this podcast, I'll teach you my 12-week plan to RESET your finances. This should take you about 90 days. Let me know if you found it valuable.
Five Laws of Building Real Wealth 19.06.2026 18:26
Most people never build real wealth, not because they're lazy or uninformed, but because they've been following rules designed to keep them comfortable, not wealthy. If you don’t understand these money laws, you’ll never be rich
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