Order your copy of The Let Them Theory 👉 https://melrob.co/let-them-theory 👈 The #1 Best Selling Book of 2025 🔥 Discover how much power you truly have. It all begins with two simple words. Let Them.
—

This episode delivers the best financial advice you’ll ever hear.

It will teach you the 5 money habits that can change your life.

And it’s your guide to taking control of your money: how to make it, save it, and invest it no matter where you’re starting from.

Whether you’re trying to feel more confident with your finances, buried in debt, living paycheck-to-paycheck, or want to learn more about investing, this episode
will shift the way you think about money, and what to do with it, for good.

Mel is joined by Morgan Housel, the bestselling author of The Psychology of Money and one of the most trusted financial experts in the world. His insights have helped millions of people feel more in control of their money and now he’s sharing them with you.

Morgan breaks down:
-The #1 mistake that’s keeping you broke
-The 5 habits that will transform your financial life
-Why every dollar you spend comes down to two kinds of decisions
-How to stop letting comparison control your spending
-What to do every time you get paid
-How to build wealth even if you’re starting from zero
-The exact investment strategy that beats virtually every single money manager

Mel will also share her story of going from $800,000 in debt, with maxed-out credit cards, a lien on her house, and no idea how she’d make it out – to how she finally turned things around.

You’ll walk away with a smarter, more empowered approach to money.

This is simple, practical, and research-backed financial advice that works.

If you’re ready to stop feeling overwhelmed and start taking control of your money, this episode is where it begins.

For more resources related to today’s episode, click here for the podcast episode page: https://www.melrobbins.com/episode/episode-327/

Click here to get tickets to Mel’s live tour, Let Them Tour 2026: https://www.melrobbins.com/the-let-them-tour/

Follow The Mel Robbins Podcast on Instagram: https://www.instagram.com/themelrobbinspodcast

I’m just your friend. I am not a licensed therapist, and this podcast is NOT intended as a substitute for the advice of a physician, professional coach, psychotherapist, or other qualified professional. Got it? Good. I’ll see you in the next episode.

In this episode:
00:00 Meet the Guest
07:16  You Can Get Good with Money
28:58 The #1 Thing that Will Keep You Broke
37:54 Every Dollar Comes Down to 2 Decisions
47:18 Morgan’s Top Investing Tips
59:30 The Difference Between Being Rich and Wealthy
01:07:49 The Importance of Saving
01:15:54 Enough is Better Than More
01:21:34  You Can Change Your Financial Story

—
Follow Mel:
Instagram: https://www.instagram.com/melrobbins/
TikTok: http://tiktok.com/@melrobbins
Facebook: https://www.facebook.com/melrobbins
LinkedIn: https://www.linkedin.com/in/melrobbins
Website: http://melrobbins.com​
—
Sign up for Mel’s newsletter: https://melrob.co/sign-up-newsletter
A note from Mel to you, twice a week, sharing simple, practical ways to build the life you want.
—
Subscribe to Mel’s channel here: https://www.youtube.com/melrobbins​?sub_confirmation=1
—
Listen to The Mel Robbins Podcast 🎧 New episodes drop every Monday & Thursday!
https://melrob.co/spotify
https://melrob.co/applepodcasts
https://melrob.co/amazonmusic
—
Looking for Mel’s books on Amazon? Find them here:

The Let Them Theory: https://amzn.to/3IQ21Oe
The Let Them Theory Audiobook: https://amzn.to/413SObp
The High 5 Habit: https://amzn.to/3fMvfPQ
The 5 Second Rule: https://amzn.to/4l54fah

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Head to http://brilliant.org/TinaHuang/ to get started for free with Brilliant’s interactive lessons with 20% off an annual membership.

Want to get ahead in your career using AI? Join the waitlist for my AI Agent Bootcamp: https://www.lonelyoctopus.com/ai-agent-bootcamp

🤝 Business Inquiries: https://tally.so/r/mRDV99

🖱️Links mentioned in video
========================
In this video I summarize Khan Academy’s 30 hour financial literacy course in 1 hour.

Course link: https://www.khanacademy.org/college-careers-more/financial-literacy
Mortgage calculator: https://www.khanacademy.org/computer-programming/mortgage-calculator/4617374840438784

🔗Affiliates
========================
My SQL for data science interviews course (10 full interviews):
https://365datascience.com/learn-sql-for-data-science-interviews/

365 Data Science:
https://365datascience.pxf.io/WD0za3 (link for 57% discount for their complete data science training)

Check out StrataScratch for data science interview prep:
https://stratascratch.com/?via=tina

🎥 My filming setup
========================
📷 camera: https://amzn.to/3LHbi7N
🎤 mic: https://amzn.to/3LqoFJb
🔭 tripod: https://amzn.to/3DkjGHe
💡 lights: https://amzn.to/3LmOhqk

⏰Timestamps
========================

00:00 Intro
00:40 Course Structure
02:02 Budgeting
08:43 Consumer Credit
15:23 Money Personality Quiz
18:03 Financial Goals
23:16 Loans & Debt
29:57 Insurance
33:43 Investments & Retirement
42:51 Scams & Frauds
45:30 Careers, Education, Employment
49:08 Taxes
51:31 Banking
56:50 Car Buying
57:21 Housing

📲Socials
========================
instagram: https://www.instagram.com/hellotinah/
linkedin: https://www.linkedin.com/in/tinaw-h/
discord: https://discord.gg/5mMAtprshX

🎥Other videos you might be interested in
========================
How I consistently study with a full time job:

How I would learn to code (if I could start over):

🐈‍⬛🐈‍⬛About me
========================
Hi, my name is Tina and I’m an ex-Meta data scientist turned internet person!

📧Contact
========================
youtube: youtube comments are by far the best way to get a response from me!
linkedin: https://www.linkedin.com/in/tinaw-h/
email for business inquiries only: hellotinah@gmail.com

========================
Some links are affiliate links and I may receive a small portion of sales price at no cost to you. I really appreciate your support in helping improve this channel! 🙂

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Follow My Socials:

Instagram: https://www.instagram.com/piicaro_/
TikTok: https://www.tiktok.com/@piicaro_
All my socials: https://linktr.ee/piicaro

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Andy Schectman joins Liberty & Finance to discuss why a sharp selloff in AI stocks could be an early warning sign of broader market instability and why he believes central banks are quietly positioning for a different financial future. He explains why official data showing just 16 tonnes of central bank gold purchases in the first quarter was challenged by the World Gold Council, which estimated actual purchases were closer to 240 tonnes, highlighting what he sees as a major disconnect between public narratives and underlying demand. Andy also shares his views on why gold prices have remained subdued despite geopolitical tensions, the surge in COMEX deliveries, and the growing role of new precious metals exchanges in Asia. The conversation also covers retail precious metals premiums, the bankruptcy of a major bullion dealer, and what investors should look for when buying physical gold and silver.

WEEKLY SPECIALS (while supplies last!)
1 oz Gold Bars: $75 over spot
100 oz Silver Bars: $0.15 under spot/oz
1 oz Platinum Bars: $125 over spot
CALL US: 1-888-81-LIBERTY (1-888-815-4237)
or email your name and phone number to LibertyAndFinance@Protonmail.com

INTERVIEW TIMELINE:
0:00 Intro
1:26 Stock market decline
14:14 War & gold
21:20 COMEX inventories
27:00 Rosland Capital bankruptcy
38:70 Weekly specials
_____________________________
Subscribe for our FREE newsletter – #1 place for gold & silver news & commentary: http://libertyandfinance.com
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Social Media links
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Donate to Support Our Mission!
https://www.Patreon.com/LibertyAndFinance
or
https://www.paypal.me/ReluctantPreppers
_____________________________
Liberty and Finance LLC receives financial compensation from its sponsors. The compensation is used is to fund both sponsor-specific activities and general report activities, website, and general and administrative costs. Sponsor-specific activities may include aggregating content and publishing that content on the Liberty and Finance website, creating and maintaining company landing pages, interviewing key management, posting a banner/billboard, and/or issuing press releases. The fees also cover the costs for Liberty and Finance to publish sector-specific information on our site, and also to create content by interviewing experts in the sector. Liberty and Finance LLC does accept stock for payment of sponsorship fees. Sponsor pages may be considered advertising for the purposes of 18 U.S.C. 1734.
The Information presented in Liberty and Finance is provided for educational and informational purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose. The Information contained in or provided from or through this forum is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The Information on this forum and provided from or through this forum is general in nature and is not specific to you the User or anyone else. YOU SHOULD NOT MAKE ANY DECISION, FINANCIAL, INVESTMENTS, TRADING OR OTHERWISE, BASED ON ANY OF THE INFORMATION PRESENTED ON THIS FORUM WITHOUT UNDERTAKING INDEPENDENT DUE DILIGENCE AND CONSULTATION WITH A PROFESSIONAL BROKER OR COMPETENT FINANCIAL ADVISOR. You understand that you are using any and all Information available on or through this forum AT YOUR OWN RISK.
Some or all of this video description and timeline has been written by AI tool: https://chatgpt.com/
All Rights Reserved.

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Ripple XRP News: Did the White House just make a move that could change XRP forever? In today’s XRP News, we break down the latest White House developments, Ripple updates, SEC news, and what it could mean for XRP holders.

This XRP News update covers the newest Ripple developments, regulatory news, institutional adoption, crypto policy, and why investors are watching XRP more closely than ever.

⚠️ This video is for informational and educational purposes only and should not be considered financial advice. Always do your own research before making investment decisions.

If you enjoy daily Ripple XRP News and XRP News updates, be sure to Like, Subscribe, and turn on notifications so you never miss breaking XRP developments.

#XRP #Ripple #XRPNews #RippleXRPNews #Crypto #CryptoNews #XRPCommunity #RippleNews #DigitalAssets #blockchain

Follow My New Channel
https://www.youtube.com/channel/UC_is-MD10NRwVCDGZnErA6g/

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https://www.itrustcapital.com/go/ripple-bull-winkle
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Start free today.

📌 Disclaimer:
This video is for informational and educational purposes only. It does not constitute financial, investment, or trading advice. Always do your own research and consult with a licensed financial advisor before making any investment decisions. The content reflects personal opinions and should not be considered as professional financial guidance.

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2nd Channel @ZacV2
Compilation Channel @TheZacRiosShow
My TikTok https://www.tiktok.com/@zacrios

Chapters
00:00 Subscribe!
0:47 1st
1:56 2nd
2:43 Comment
3:07 3rd
3:58 Comment
4:15 4th
5:28 5th
6:39 6th
7:47 Comment
8:06 7th
9:51 8th
11:12 9th
12:32 10th
13:43 11th
14:42 12th
16:04 13th
17:03 14th
18:23 15th
19:51 16th
20:37 Comment
20:53 17th
21:58 18th
23:15 19th

#money #finance #debt

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How To Spot Fake Money! Subscribe to @LawByMike for more tips!

Do you want more details on this law, it’s in my newsletter! Join The Free Law By Mike Newsletter Here!
*link in bio* or go to https://newsletter.lawbymike.com/subscribe

⭐ Join the channel membership and get priority responses to your comments! ⭐
*link in bio*

⚖️ Questions? Issues?👇
go to IThinkIHaveACase.com *link in bio*

#law #education #mrbeast #police #lawyer #lawbymike #repeatafterme #tiktok #youtubeshorts #cop #cops #lawyers #legal #attorney #lawschool #hacks #legal

DISCLAIMER (Of course, I’d have one 😁)
Hey, you might think that this info makes me your lawyer, but it doesn’t and I’m not. Sorry, but I AM NOT YOUR LAWYER unless we have an engagement agreement. I am just providing public information here, like a library does, and am not providing you with legal advice about your situation. So, it would be totally unreasonable for you to conclude we have an attorney-client relationship just because you’re viewing this information.

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🚀Ready to turn crypto losses into consistent wins? Apply now for limited spots in Crypto Crusaders Academy! the elite mentorship with pro strategies, live sessions, and private community: https://thecrusadersacademy.com/

💰 Join My Discord Community & Get Access To ALL My Trading Insights: https://levicryptocrusaders.com/

✩ALL MY SOCIALS ✩
https://linktr.ee/levicrypto
——————-
⚠️ DISCLAIMER – READ FIRST
This video is not financial advice. It is for educational and entertainment purposes only. I may earn a commission through some of the links below — at no extra cost to you.

Crypto-assets are highly volatile and involve significant risk. These offers are intended for experienced users only and may not be available in your region. Always verify local laws before registering or trading on any platform.

#crypto #xrp #hbar #altcoins #altcoin
——————–
LEGAL & REGULATORY DISCLAIMER

1. Corporate Entity & Content Purpose
This channel is operated by a registered business entity. All content is intended solely for informational and entertainment purposes and reflects the opinion of the channel as an entity.

2. No Financial, Legal, or Tax Advice
I am not a licensed financial advisor. Nothing in this content should be construed as financial, investment, legal, or tax advice. Viewers should consult qualified professionals before making investment decisions.

3. Sponsorships & Affiliate Relationships
This video may contain sponsored content and/or affiliate links. I may earn a commission if you use these links, at no additional cost to you. I only promote platforms I personally use or believe in — but you are responsible for conducting your own due diligence.

4. Geographic Restrictions
This content is not intended for residents of the United Arab Emirates, United Kingdom, United States, Canada or any other jurisdiction where the promotion of virtual assets is restricted or prohibited.

If you are located in such a region, do not engage with or act on this content.

5. Crypto Risk Warning
Crypto-assets are speculative and involve substantial risk, including:
• Loss of capital
• Extreme volatility
• Limited liquidity
• Irreversible transactions
• Potential for fraud, theft, or manipulation
No form of investor protection or legal recourse is guaranteed. Engage at your own risk.

6. No Outcome Guarantees
I make no representations regarding the accuracy, timeliness, or results of any strategies or opinions shared. No profits or outcomes are guaranteed. You bear full responsibility for any decisions made.

7. Content Updates
Information may become outdated. I reserve the right to change, update, or remove content without notice.

8. MiCA & EU/Canada Compliance Notice
In accordance with the EU Markets in Crypto-Assets Regulation (MiCA):
• This content does not constitute financial promotion or investment advice under MiCA.
• Crypto-assets discussed may not be suitable for all investors and are not protected by any EU Or Canada deposit guarantee or investor compensation scheme.
• All statements made are intended to be fair, clear, and not misleading.
• If you reside in the EU or Canada, ensure your engagement with this content complies with local laws and regulations.

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*I AUDIT HER RESUME IN THE POST SHOW* It was legit worse than Brint’s hahaha it was the funnest crappiest things I’ve ever seen. watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual)

50% OFF IS LIVE. Merry Christmas in July you financially naughty little freaks. Take the NEW AND IMPROVED Hammer Quiz to see if your finances are naughty or nice, then get half OFF the exact courses you need to finally unf*ck your money: https://hamr.link/xmasjuly

💰 Download Dollarwise – Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

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*Caleb Hammer Financial Resources*
=============================
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*Education*
=============================
👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb
⚡Learn how to budget: https://bit.ly/4sspyGh
⚡Learn how to invest: https://bit.ly/41mr8OP
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*Extra Resources*
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👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer
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👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/
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=============================
*Chapters*
=============================
00:00 Intro
01:30 Jobs & Income
03:30 bros just throwing her under the bus IMMEDIATELY LOL
09:15 D1 coach with little league play.. rip
12:10 her business is so special!!
17:00 bros cooking her HAHA
22:22 oh theyve split before…
40:05 okay i can see why he filed, im exhausted listening to her lol
46:02 whats bro doing on his phone??
54:00 chat, is she not tiring
01:11:30 women and logic, am i right fellas (this is satire)
01:15:20 youre not special girl, get another JOOOOB
01:33:00 no accountability..
01:39:33 Budget!!
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel

=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: https://x.com/sircalebhammer
IG: https://www.instagram.com/calebhammercomposer/
Facebook: https://www.facebook.com/calebhammercomposer/

=============================
*Want to be a guest on Financial Audit?*
=============================
👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply

*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.

Sponsorship and business inquiries: business@calebhammer.com

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