Finance Expert: The Truth About Buying a House and How Her 652510 Rule Built $200K in Passive Income!
Renting is smarter than buying?!
Personal Finance Expert Nischa Shah breaks down the 65-20-15 hack to making money, why saving for a house might RUIN your path to financial freedom, and how to build REAL wealth through passive income, smart money habits, and beginner-friendly investing strategies.
Nischa Shah is a qualified accountant and ex-investment banker who walked away from a 6-figure career to teach millions how to take control of their money. She’s the creator of the fast-growing YouTube channel ‘Nischa’ with over 1 million subscribers, where she breaks down debt, saving, and investing.
She explains:
◻️The 65-20-15 money framework that generates passive income without a job.
◻️How to invest in index funds and retire early with compound interest.
◻️Why your job might be making you poorer every day.
◻️The dangerous lie about “saving = security” and what to do instead.
◻️Why the credit card trap is costing you thousands without you realising.
00:00 Intro
02:28 My Mission to Spread Actionable Money Tips
04:28 Trauma and the Link to Money Attachment Styles
08:34 The 4 Steps to Take Control of Your Finances
11:36 Rerecorded
11:58 Paying Your Debts
13:55 The Emergency Financial Buffer We All Need
15:07 What to Do With Saved Money
17:09 Do These 3 Things Before Investing
20:00 Why You Should Save for Retirement
22:56 Spending Money for External Validation
27:36 What to Invest In
31:09 How to Get a Salary Raise
37:07 Is Buying a House a Good Investment?
44:44 What Is Opportunity Cost?
48:54 Should You Split Your Investments?
53:42 What Does Nisha's Portfolio Look Like?
56:40 Ads
57:31 The Best Book to Learn About Finance
01:01:15 Should I Buy or Lease a Car?
01:04:35 Should We Sacrifice Some of Our Enjoyments?
01:07:30 What's the Best Way to Track Your Numbers?
01:11:12 The Role of Money in Relationships
01:16:18 What Is Passive Income and How to Get It
01:21:59 Ads
01:23:48 Making Millions With YouTube
01:29:41 Doing Your Finances With AI
01:36:28 The Importance of Your Credit Score
01:45:20 What Would You Not Spend Money On?
01:48:52 My Dad's Words Changed Me
01:57:57 I Felt So Much Pain During My Career
02:01:21 Your Hardest Day
Follow Nischa:
YouTube - https://bit.ly/4kHiVMl
Instagram - https://bit.ly/3Ui6eNd
💡You can find out more about Nischa’s ‘Intentional Spending Tracker’, here: https://bit.ly/3GR5gEC
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2:10:09
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2:10:09
Most Replayed Moment: Tim Dillon’s Brutal Truth About Gen‑Z
In today’s Moments episode, comedian Tim Dillon offers his candid perspective on how different generations approach life and work. From Gen Z’s growing rejection of traditional success, to his sharp critique of fame, Dillon cuts through the contradictions that shape today’s culture.
Tim Dillon is a comedian, actor, and host of The Tim Dillon Show podcast, known for his unapologetic takes on culture and politics. In 2022, he released his first Netflix special, Tim Dillon: A Real Hero, followed by I’m Your Mother in 2025.
Listen to the full episode here!
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19:30
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19:30
Vitamin D Expert: The Fastest Way To Dementia & The Dangerous Lie You've Been Told About Sunlight!
Is your daily routine ruining your health? Is THIS habit silently triggering dementia?
Vitamin D Expert Dr. Roger Seheult reveals how sunlight exposure, caffeine intake, and sleep can impact cancer risk, accelerate dementia, and fry your dopamine brain!
Dr. Roger Seheult is a world-leading doctor in internal medicine, lung health, critical care, and sleep medicine. As co-founder of MedCram, he’s helped millions understand how vitamin D, sunlight, mitochondria, and circadian rhythms impact disease, brain health, and longevity.
In this powerful interview, he explains:
◻️How just 2 minutes of morning sunlight can boost dopamine by 250%.
◻️The daily habit increasing your cancer risk (and how to fix it).
◻️What caffeine does to your sleep, hormones, and mental clarity.
◻️How red and infrared light boost your mitochondria.
◻️How sleep, light, and nutrition create a blueprint for longevity.
00:00 Intro
02:27 What Is Roger Aiming to Accomplish?
03:28 The 8 Pillars of Health
09:13 Story of Henry: A Fungal Lung Disease Patient
20:40 Why Our Mitochondria Need Sunlight
27:46 Sunlight and Viruses: Impact on COVID-19
30:00 Vitamin D and Lower Risk in COVID Patients
33:55 Benefits of Using Infrared Light Devices
47:50 Could More Sunlight Help You Live Longer?
51:20 Does the Sun Really Cause Melanoma?
54:37 Are Humans Meant to Live Outside?
57:31 Is It Worth Wearing an Infrared Light Mask?
59:31 How to Get Infrared Light on a Cloudy Day
01:08:14 Optimal Time of Day to Get Sunlight
01:09:34 Circadian Rhythm and Light Exposure
01:11:28 Benefits of SAD Light Therapy
01:13:02 Can Looking Through a Window Help Circadian Rhythm?
01:15:11 Why Should We Avoid Bright Screens at Night?
01:17:31 Should the Bedroom Be Completely Dark at Night?
01:19:23 Do Vitamin D Supplements Work?
01:21:14 Possible Consequences of Vitamin D Overdose
01:22:02 The Role of Vitamin D in the Body
01:24:00 Do Cravings Signal Nutrient Deficiencies?
01:25:35 Water’s Role in the Body
01:27:20 Interferons and the Innate Immune System
01:32:52 Importance of Hydration for Fighting Infections
01:34:35 Should We Use Hot and Cold Therapy Together?
01:36:10 Impact of Tree Aromas on Immunity
01:38:44 Do Indoor CO₂ Levels Matter?
01:39:30 How Can We Optimize Indoor Air Quality?
01:40:37 Faith as a Way to Deal With Stress and Anxiety
01:42:42 Conditional vs. Unconditional Forgiveness and Stress
01:45:55 Are People Who Believe in God Generally Healthier?
01:47:34 Roger’s Experience Witnessing Death
01:49:14 A Miraculous Story: Anoxic Brain Injury Recovery
01:59:17 Should Hospital Patients Be Taken Outside?
01:59:57 Are Melatonin Supplements Good for Sleep?
02:00:45 Side Effects of Melatonin Supplements
Follow Dr Roger:
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📃 Research document: https://bit.ly/44Kh1pL
💡You can find out more about the light therapy lamp mentioned, here: https://amzn.to/4lXsUyc
💡You can find out more about the Aranet4 CO₂ meter mentioned, here: https://bit.ly/4lIvRmk
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2:06:43
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2:06:43
Eric Weinstein (Ex-Harvard Physicist): The Collapse Has Already Started! Jeffrey Epstein Was A Front!
Are We Already Living Through Societal Collapse?
Eric Weinstein sounds the alarm on AI threats, corrupt science, drone warfare, nuclear war, and deep-state secrets like Epstein. A world-renowned thinker, he asks: Are Elon Musk and the laws of physics our only escape route?
Eric Weinstein is a mathematician, former Managing Director of Thiel Capital, and one of today’s most provocative intellectuals. He is also the host of the popular podcast ‘The Portal’, where he tackles controversial topics - from the failures of academia to the rise of AI, the limits of physics, and the urgent breakthroughs we need.
In this explosive interview, he explains:
Why the post-World War II global order is collapsing, and what comes next.
How AI and drone warfare are changing war forever.
How modern life distracts us from existential threats.
Why we must leave Earth if we want a future for humanity.
Timestamps:
00:00 Intro
00:03:05 Why Nobody's Talking About What Actually Matters
00:04:43 Are We Already in the Most Dangerous Era of Human History?
00:14:03 We’ve Lost Our Sense of Meaning and It's Killing Us
00:15:24 Why You're More Lost Than You Realise
00:18:29 Society Is Quietly Falling Apart… Here’s How
00:20:15 The Systems You Trust Are Failing You
00:29:38 AI Is Coming Faster Than Anyone’s Prepared For
00:30:04 This Is What Happens When Machines Outsmart Us
00:41:51 Chess Proves the Human Brain Is Already Outdated
00:43:49 What Every Young Person Needs to Know About the Future01:00:38 ADS
01:05:46 Did America Engineer the Two-State Solution?
01:17:52 Intelligence Is Broken — Who's Really in Charge?
01:26:28 Collapse Doesn’t Warn You — It Just Happens01:30:02 ADS
01:31:57 Are We Living in the Wrong Version of Reality?
02:00:17 The Dark Truth About Jeffrey Epstein
02:13:18 Why I Can’t Speak Freely on My Own Podcast
02:23:15 The One Piece of Advice That Changed My Life
Follow Eric:
X - https://bit.ly/44GO7VV
YouTube - https://bit.ly/3GG81bG
The Diary Of A CEO:
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2:31:12
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2:31:12
Most Replayed Moment: The Gottman Doctors Guide to Better Sex and Stronger Connections
Renowned relationship experts Drs. John and Julie Gottman share valuable and actionable insights on building stronger emotional connections and enhancing intimacy. With decades of research in the field of relationships, the Gottmans explain how to foster trust, improve communication, and deepen your bond with your partner.
Listen to the full episode here -
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I was a broke, university dropout, at 18 I built an industry leading social media marketing company, and at 27 I resigned as CEO. At 28 I co-founded Flight Story – a marketing and communications company, and thirdweb - a software platform, making it easy to build web3 applications. I then launched private equity fund, Flight Fund, to accelerate the next generation of European unicorns. During this time I decided to launch 'The Diary Of A CEO' podcast with the simple mission of providing an unfiltered journey into the remarkable stories and untold dimensions of the world’s most influential people, experts and thinkers.
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