Is Buy Now, Pay Later (BNPL) actually helping you build wealth, or is it quietly working against you? New data from Northwestern Mutual shows one in three Americans used BNPL for large purchases. Brian Preston (CFP®, CPA) and Bo Hanson (CFA®, CFP®) break down the data on BNPL usage and share their concern with this rising trend.

Then stick around, because we answer YOUR questions live! This episode covers what to watch out for if your company is going public, when tax diversification outweighs immediate traditional 401(k) savings for high earners, when to hire a financial advisor, whether a guaranteed severance can count toward your emergency fund, and more.

Timestamps
0:06 Buy Now Pay Later: The Financial Crutch That Can Lead to Devastation
11:29 Q&A: My Company Is Going Public. What Should I Watch Out For?
15:06 Q&A: When Does Tax Diversification Outweigh Immediate Tax Savings for High Earners?
19:14 Q&A: What’s the Most Optimized Way to Save for a Car in Seven Years?
21:55 Q&A: When Should I Get a Financial Advisor?
31:56 Q&A: When Is It Better to Lease a Car Rather Than Buy?
38:00 Rapid Fire: It Does Not Depend
49:30 Maybe It Does Depend: Deeper Dives on the Rapid Fire Questions
58:49 Q&A: If You Could Go Back in Time, What Would You Spread the Word About Earlier?

🔗 Wealth Multiplier → https://moneyguy.com/tool/wealth-multiplier/
🔗 Financial Order of Operations → https://moneyguy.com/guide/foo/
🔗 How Much You Should Save → https://moneyguy.com/resource/how-much-to-save/
🔗 8 Questions to Ask a Financial Advisor → https://moneyguy.com/resource/8-questions-to-ask-your-financial-advisor/

🎓 Brian Preston (CFP®, CPA) and Bo Hanson (CFA®, CFP®) share professional insights to help you own your financial future.

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Disclaimer:
I am not a licensed financial advisor. All videos on this channel are intended for entertainment purposes only. You should not buy, sell, or invest in any asset based on what I say in these videos. You should know that investing carries extreme risks. You could lose your entire investment. This is not trading advice and I am in no way liable for any losses incurred.

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Welcome to one of the only places you can get roasted for your investments and still learn how to make money at the same time. I don’t do this to just make money, I’m here to try and help educate people so they can make their own financial decisions on stuff like: long term investments, day trading, should you rent vs buy, your retirement funds or whatever the hell you want to do.

Investing and trading are two different beasts. Please do your own research and due diligence before buying or selling stocks, options, forex or equities. These are my opinions only, please make financial decisions on your own. Personal Finance is important!

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#shorts

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🚨 XRP Army — connect the dots with me. BNY (formerly BNY Mellon — the OLDEST bank in America and the world’s largest custodian with $50+ TRILLION in assets under custody) just published a major whitepaper on UK CASS 15 safeguarding rules. Their featured case study customer? AstroPay.

Why does that matter for XRP? Because AstroPay was the FIRST licensed Latin American Money Service Business on the Ripple Protocol — launching Ripple LatAm in 2014 across Brazil, Chile, Colombia, Mexico, Peru, Argentina, and Uruguay.

The triangle is forming:
BNY = $50 trillion AUC, oldest US bank, now safeguarding bank for AstroPay group entities
AstroPay = original Ripple LatAm partner, multi-currency wallet, 130M+ merchants, debit cards, Brazil PIX, Argentina CVU, IBAN, UK sort codes
Ripple = the rails, the protocol, the XRP bridge asset, RLUSD on the way

What BNY is providing AstroPay through LiquidityDirect:
Multi-jurisdiction safeguarding accounts
Real-time custody + liquidity
Treasury-only money market funds
Global payments + FX support
40-50% of safeguarding funds invested in diversified MMFs
The CASS 15 deadline is May 7, 2026 — UK-wide enforcement. BNY is positioning itself as THE safeguarding partner for payment firms — and AstroPay (a Ripple network member since 2014) is the first case study they’re publicly highlighting.

This isn’t a press release. This is BNY quietly building the infrastructure to support the same payment firms that already run on Ripple. The bridge is being built. NFA — DYOR 👇

🔵 Uphold | Trade, Spend & Earn XRP
➖ US Website: https://uphold.sjv.io/US_CryptoSensei
➡️US Debit Card: https://uphold.sjv.io/CryptoSensei-DebitCard
➡️XRP Rewards: 4% Elite Card / 2% Virtual Card
➖ Global Website: https://uphold.sjv.io/Global_CryptoSensei
➖ Flexible & Boosted Staking: https://youtu.be/QxoR44MnK88?si=0zQKaEyM3eKVe4RH

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⭐Join my Community
➖ https://discord.gg/cryptonairz

🛡️Hardware Wallets I Use for XRP
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Single Device – Save $60 ($159 → $99),
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🔗Contact & Collaborations
▸ Collab & Partnerships: partnerships@cryptosensei.net
▸ Collabs: BD Manager | @Jaalyn_T (Telegram)
▸ Collab Form: https://forms.gle/E6fskio5BBvd4zVn9
▸ Social Links: https://linktr.ee/Crypt0Sensei
(Partnerships & Brand Deals Only | No Agencies)

⚪FREE XRP Newsletter | https://joincryptonairz.com/Newsletter

💜 Thanks for supporting the channel! Like, share, and comment if this helped clarify what’s really happening.

🔴Full Legal & Regulatory Disclaimer
https://docs.google.com/document/d/1T_wTsSkXDZqdgKDUOKfIEKF-a7ur2kX8gw-e3aAq_Q4/edit?usp=sharing

#XRP #Ripple #BNY #AstroPay #XRPArmy #XRPL #BNYMellon #RippleLatAm #CryptoSensei #Cryptonairz
#XRP #Ripple #Crypto #Blockchain #CryptoNews #xrpledger #xrpnews #cryptocurrency #altcoins #blockchaintechnology #cryptotrading #ripplexrp #xrpholders #xrparmy #xrptoday #xrpupdate #cryptosensei

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#Crypto #Bitcoin #CryptoNews #Investing #YahooFinance
May 5, 2026 – Coinbase CLO on Clarity Act, Prediction Markets & Tokenization

Scott Melker hosts Paul Grewal, Chief Legal Officer at Coinbase, live from Consensus in Miami Beach. They cover where the Clarity Act stands before markup (rewards, banking pushback, developer protections, DeFi), the prediction-markets fight (state AGs vs CFTC jurisdiction, litigation timeline), and tokenization / the SEC pilot plus Coinbase’s broader product strategy.

“The Daily Wolf with Scott Melker” delivers everything you need to know about crypto in just 15 minutes. Get rapid-fire insights on Bitcoin, ETFs, regulation, and the macro forces moving markets, so you can stay one step ahead every weekday.

Chapters
0:00 Cold open: CLARITY Act & prediction markets
0:36 Paul Grewal on CLARITY Act
7:26 Prediction markets: NY AG, states vs CFTC
11:17 Tokenization, SEC pilot & Coinbase strategy
14:16 CLARITY Act by this summer?
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#stocks #stockmarket #investing #fyp #viral

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🚨 The CLARITY Act just took its biggest step forward in months — and the timeline is now CRYSTAL clear.
Per Crypto In America’s reporting from Eleanor Terrett (Crypto In America):
The roadmap:
Stablecoin yield deal: LOCKED (Tillis-Alsobrooks compromise) — text public
BRCA / Section 1960 (DeFi): finishing touches THIS WEEK; Sen. Chuck Grassley to weigh in on developer protections
Senate Banking Committee markup: announcement could come THIS WEEK; markup likely week of May 11 OR May 18 (Memorial Day deadline)
Coinbase officially signed off on the yield deal — Brian Armstrong simply tweeted: “Mark it up.”
Ethics provisions: still being “actively negotiated” — likely added after Senate floor (NOT blocking markup)

The compromise translated:
Stablecoins can offer activity-based rewards (cashback, discounts, memberships) but NOT yield on idle balances. Translation: stablecoins for payments, not high-yield savings.
Industry reactions:
Blockchain Association, Crypto Council, Digital Chamber: all support, urge fast markup
Austin Campbell (Zero Knowledge): “In the context of CLARITY, the industry should probably live with this. Banks are clearly winning this volley.”

Senate Banking staffer: “Time for everyone to move on from yield.”
Plus the BlackRock angle: Larry Fink’s $13T asset manager is pushing OCC to drop the proposed 20% cap on tokenized stablecoin reserves — directly tied to BlackRock’s BUIDL fund ($2.6B AUM, backs 90% of Ethena’s USDtb + Jupiter’s JupUSD).

For XRP, the May markup window unlocks CFTC jurisdiction over digital commodities + clear federal framework + institutional capital that’s been on the sidelines.
The next two weeks are critical. Stay locked in. NFA — DYOR 👇

🔵 Uphold | Trade, Spend & Earn XRP
➖ US Website: https://uphold.sjv.io/US_CryptoSensei
➡️US Debit Card: https://uphold.sjv.io/CryptoSensei-DebitCard
➡️XRP Rewards: 4% Elite Card / 2% Virtual Card
➖ Global Website: https://uphold.sjv.io/Global_CryptoSensei
➖ Flexible & Boosted Staking: https://youtu.be/QxoR44MnK88?si=0zQKaEyM3eKVe4RH

✨Check out Nexo: Your Wealth Platform for Digital Assets
↪️https://nexo.sjv.io/CryptoSensei

⚡UpTrade | Professional Crypto Brokerage with white-glove service.
Sign up: https://uptrade.co/ref/crypto-sensei
Lifetime 45% discount on trading fees with priority same day onboarding
Complimentary Portfolio Assessment (valued at $2,500 USD)

⭐Join my Community
➖ https://discord.gg/cryptonairz

🛡️Hardware Wallets I Use for XRP
D’CENT Biometric Wallets
Single Device – Save $40 ($159 → $119),
Biometric Wallet – Affiliates

Two-Pack – Save $129 ($318 → $189),
Biometric Wallet 2X Package – Affiliates

🔗Contact & Collaborations
▸ Collab & Partnerships: partnerships@cryptosensei.net
▸ Collabs: BD Manager | @Jaalyn_T (Telegram)
▸ Collab Form: https://forms.gle/E6fskio5BBvd4zVn9
▸ Social Links: https://linktr.ee/Crypt0Sensei
(Partnerships & Brand Deals Only | No Agencies)

⚪FREE XRP Newsletter | https://joincryptonairz.com/Newsletter

💜 Thanks for supporting the channel! Like, share, and comment if this helped clarify what’s really happening.

🔴Full Legal & Regulatory Disclaimer
https://docs.google.com/document/d/1T_wTsSkXDZqdgKDUOKfIEKF-a7ur2kX8gw-e3aAq_Q4/edit?usp=sharing

#XRP #Ripple #Crypto #Blockchain #CryptoNews #xrpledger #xrpnews #cryptocurrency #altcoins #blockchaintechnology #cryptotrading #ripplexrp #xrpholders #xrparmy #xrptoday #xrpupdate #cryptosensei #XRP #Ripple #CLARITYAct #XRPArmy #CryptoRegulation #SenateBanking #MarkItUp #StablecoinYield #CryptoSensei #Cryptonairz

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Financial modelling is a crucial skill for professionals in finance, business, and accounting.

Start your journey towards becoming a financial modelling expert now!

📥 Download the Exercise Files – https://drive.google.com/drive/folders/196suE4AlEh9oxesvBgxm6ftP-a5Ckq_R?usp=sharing

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00:04 Understanding Excel settings and functions for Financial Modeling
02:17 Learn how to optimize Excel for financial modeling
07:07 Learn about financial modeling in Excel and how to optimize your calculations and save time
09:33 Automate data table updates and use automatic calculation for efficient financial modeling.
14:44 Learn how to use the analysis tool pack in Excel for regression analysis.
18:03 Learn how to set up the analysis tool pack in Excel.
22:30 Learn how to format cells and columns in Excel
25:32 Learn Financial Modelling step-by-step
30:23 Formatting numbers in Financial Modelling
32:25 Understanding the conventions of color coding in financial modeling.
37:56 Learn how to audit and format cells in a financial model
39:55 Learn to avoid hardcoding numbers in financial modelling
45:51 Learn to group and organize data in financial modelling
48:44 Highlight the gross profit and add a border
52:33 Understanding the process of changing and checking formulas in financial modelling.
54:58 Understanding and implementing partial anchoring in revenue calculation.
1:01:29 Understanding and implementing financial modelling techniques
1:04:03 Immediate results from 5% with 100% impact.
1:09:48 Learn about custom formatting and applying it to numbers.
1:12:55 Hard coding and absolute anchoring are important in financial modelling.
1:17:40 The start date for this year is 15th August.
1:20:25 Learn about casting analysis and how to link cells in financial modelling
1:25:57 Min function is used to find the smallest number in a sequence
1:28:48 Learn how to express the condition ‘if less than’ in financial modeling
1:35:36 Learn Financial Modelling – Step by Step – Session 2

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