Afford Anything | Make Smart Money Choices Podcast Por Paula Pant Personal Finance Expert | Cumulus Podcast Network capa

Afford Anything | Make Smart Money Choices

Afford Anything | Make Smart Money Choices

De: Paula Pant Personal Finance Expert | Cumulus Podcast Network
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Sobre este título

 You can afford anything, but not everything. We make daily decisions about how to spend money, time, energy, focus and attention – and ultimately, our life. How do we make smarter decisions? How do we think from first principles? On the surface, Afford Anything seems like a podcast about money and investing. But under the hood, this is a show about how to think critically, recognize our behavioral blind spots, and make smarter choices. We’re into the psychology of money, and we love metacognition: thinking about how to think. In some episodes, we interview world-class experts: professors, researchers, scientists, authors. In other episodes, we answer your questions, talking through decision-making frameworks and mental models. Want to learn more? Download our free book, Escape, at http://affordanything.com/escape. Hosted by Paula Pant.© Afford Anything LLC Economia Finanças Pessoais Gestão e Liderança
Episódios
  • Why Smart People Still Sabotage Their Own Money, with Tiffany Aliche

    Why Smart People Still Sabotage Their Own Money, with Tiffany Aliche
    May 8 2026
    #713: Tiffany Aliche spent her 30th birthday in her childhood bedroom, $300,000 in debt, unemployed, and freshly foreclosed on. 

Sixteen years later, she's generated over $50 million in gross revenue as a business owner. 

She joins us to talk about what actually happened in between. Aliche - known as The Budgetnista - built her personal finance platform almost by accident. After a friend stole $35,000 from her and the 2008 recession wiped out her condo's value, she started helping friends navigate their own financial messes. That side hustle became a business. By 37, she was a millionaire. By 40, she had her first eight-figure revenue year. But the money didn't fix everything. We talk about what she calls "post-traumatic broke syndrome" - the way your scarcity mindset from the hard years keeps quietly running your financial decisions long after your bank account has recovered. For Aliche, it showed up as years of refusing to buy herself a vacation home she could easily afford, while simultaneously buying properties for her sisters and stepdaughter, neither of whom asked for them. We also get into the emotional mechanics of financial shame - specifically, how shame blocks access to solutions you already have. Aliche says she grew up with a CFO father who taught her exactly how to budget, save, and invest. None of that knowledge was available to her at rock bottom, because shame had walled it off. The fix, she says, was simply saying it out loud to a friend. The conversation covers people-pleasing as an under-discussed form of financial self-sabotage, the current economic disconnect between paper wealth and lived experience, and a practical exercise for figuring out whether you already have enough money to fund the life you actually want. Share this episode with a friend, colleagues, and your CFO: https://affordanything.com/episode713 Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    1 hora e 14 minutos
  • The Rental Strategy That Survived Every City Crackdown, with Jeff Hurst

    The Rental Strategy That Survived Every City Crackdown, with Jeff Hurst
    May 5 2026
    #712: Jeff Hurst, CEO of Furnished Finder, joins us to break down what midterm rentals are, who they're for, and why now might be the best time to get in. A midterm rental is a furnished unit rented for 30 days or longer - longer than a hotel stay, shorter than a traditional lease. Cities have been regulating Airbnb-style short-term rentals out of existence, leaving a wave of furnished properties with nowhere to go. That supply is now shifting toward the midterm market, driven by three primary tenant types: corporate and skilled trade workers, traveling healthcare professionals, and relocating families doing a "try before you buy" neighborhood test run. We get into the specifics of what it costs to furnish a midterm rental (about $7 per square foot, compared to $30 to $40 for a short-term rental), where owners typically overspend (treating it like a leisure destination), and where they underinvest (quality mattresses, blackout curtains, kitchen functionality). Jeff also explains how to model out your returns, estimate vacancy, and use tools like Furnished Finder's market insights tab and AirDNA data to vet a market before you buy. On the question of where to invest, Jeff walks through a layered research approach - starting with population migration, proximity to hospitals and universities, commuter corridors, and school districts. He's bullish on mid-sized cities with data center build-outs and expanding healthcare infrastructure, and argues that markets like those around northwest Arkansas, parts of Texas, and mid-sized Midwestern cities offer better risk-adjusted returns than the leisure destinations that dominated the short-term era. Jeff also covers HOA red flags to look for, how to approach off-market deals, what the regulatory environment looks like for midterm (spoiler: almost no city is restricting it), and why the category today feels a lot like short-term rentals at their peak. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Intro (05:12) What midterm rentals are (07:00) Why cities banned short-term rentals (08:19) Who rents midterm — nurses, corporate workers, relocating families (14:45) Extended stay hotels vs. midterm rentals (16:34) Hospitality expectations for hosts (19:22) How much to spend on furnishings (21:02) Regulatory risk — nearly zero (32:16) How to estimate vacancy and returns (45:58) How to pick a market (52:16) Why mid-sized cities win (57:42) Following extended stay hotel construction as a demand signal (1:13:00) Who owns midterm rentals — older than you'd think (1:14:36) Why midterm feels like AirBNB in 2012 Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    1 hora e 33 minutos
  • Is a Computer Science Degree Still Worth the Debt?, with Ron Lieber

    Is a Computer Science Degree Still Worth the Debt?, with Ron Lieber
    May 1 2026
    #711: A computer science degree used to feel like a sure thing. Job placement rates topped 90 percent. Starting salaries cleared $80,000. You could do the math on your student loans before you enrolled. That math doesn't work the same way anymore. New York Times "Your Money" columnist Ron Lieber joins us to walk through what families actually need to know before borrowing for college. He covers how to use the federal College Scorecard to look up earnings by school and by major. He explains why the scariest student loan headlines are almost always about graduate school rather than undergraduate debt. And he makes the case that liberal arts majors tend to catch up to their STEM peers by mid-career - even if the early numbers don't show it. Lieber also makes a case that the financial return on college extends beyond salary data. Alumni networks, mentorship, and lifelong friendships all factor into the equation. He suggests asking schools pointed questions about reunion attendance and alumni giving rates as a way to gauge how connected - and how useful - a community actually stays after graduation. On the debt question, Lieber draws a clear line between federal undergraduate loans, which cap around $31,000, and the more dangerous combinations of Parent PLUS loans and private debt that drive the horror stories you see in the news. He also addresses the community college path in detail - including what it actually takes to pull it off without losing time or credits along the way. The conversation closes with a framework for parents: keep sparking conversations with your kids, stay curious about what they're drawn to, and treat yourself less as an advice-giver and more as someone planting seeds. Share this episode with a friend, colleagues, and your college student: https://affordanything.com/episode711 Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) No BLS jobs report today (01:41) Ron Lieber intro – NYT personal finance columnist, student debt expert (02:41) College still worth it? Ron says yes, despite tough entry-level job market (05:03) How to use the College Scorecard (06:27) Liberal arts majors often catch up by mid-career (07:17) The non-financial ROI of college (15:08) How much debt is too much? Federal undergrad cap is $31,000 (18:31) Community college as a launchpad; savings potential, but requires high executive functioning (21:36) Scary student debt headlines are mostly about grad school, not undergrad (24:39) AI and shifting willingness to pay; colleges facing enrollment pressure (37:00) Financial aid office dynamics (40:39) Peak 18-year-olds; demographic cliff hits colleges differently by region (45:54) Location matters; urban schools have recruiter and networking advantages (54:11) Framework for parents and students; stay curious Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    1 hora
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