No One Told Me

MONIIFY

No One Told Me is your weekly money and career companion for the ride to work. Hosted by Noor and Hadi, two long-time UAE residents, the show shares the financial lessons, career truths, and wealth-building insights no one ever told us growing up. From salaries and side hustles to saving, investing, and growing long-term wealth, each episode is made to inspire expats across the UAE and GCC to make smarter decisions and build a better financial future—one commute at a time.

Episodes

  1. 8 Jun

    How To Invest In Real Estate in the UAE

    Real estate in the UAE is one of the biggest financial decisions you'll ever make — but most people go in blind.  In this episode, Noor and Hadi break down every option available: mortgages, interest rates, off-plan vs ready properties, and the real difference between buying to invest and buying to live in. They also get into something most people don't know about — the exclusive perks first-time buyers in the UAE can actually take advantage of.  Whether you're just exploring or already serious, this episode gives you the full picture before you make a move. 0:00 Intro0:30 Is owning a home an imported dream?1:41 Why UAE property makes people rich2:10 Off-plan vs ready: which should you buy?4:14 Buying to live or buying to invest?6:22 How to choose where to buy8:23 How to spot the next booming area9:23 The buying process: down payment & fees10:54 Pre-approval and the mortgage broker move12:10 Fixed vs variable interest rates13:14 Down payment rules and mortgaging off-plan14:22 The first-time home buyer program15:33 Recap and final advice

    16 min

  2. 1 Jun

    How Easy It Is to Start Investing

    Getting into the stock market can feel intimidating, especially when you don't know where to start, what app to use, or how much money you actually need.  In this episode, we break down everything you need to know about investing in the stock market as a beginner in the GCC: from understanding what ETFs are and why they're the easiest entry point, to building a passive investing strategy that works even if you never check your portfolio.  We also talk about the "dead investor" mindset, why timing the market is a waste of energy, and the rules we personally set for ourselves to stay consistent and avoid emotional decisions.  Whether you have 500 dirhams or 500,000,  this episode gives you a simple, no-excuse framework to start building wealth through the stock market today.  00:00 Intro — The $8M janitor   01:03 When did you start investing?  01:59 Why do people avoid the stock market?  03:15 Opening a brokerage account — it takes 1 hour  04:24 Why investing is the most powerful wealth tool  06:32 The "dead investor" strategy explained  07:17 Choosing the right app & using AI tools  08:08 What is an ETF? (Beginner breakdown)  11:01 How trading apps build a portfolio for you

    17 min

  3. 25 May

    How To Deal With Debt

    Debt in the UAE can sneak up on you fast, especially when banks are calling you before you even have your Emirates ID.  In this episode of No One Told Me, we break down how easy it is to fall into the debt trap in the GCC: from credit cards with limits six times your salary, to personal loans that spiral out of control before you even notice. We get into how compound interest actually works, why paying the minimum is quietly destroying your finances, and what to do if you find yourself deep in the hole.    We also share real stories, including a friend who ended up 200,000 dirhams in debt and how he got out of it and talk about the smart side of debt too, and how to actually use credit cards to your advantage.  Whether you're new to Dubai, already in debt, or just want to make sure you never get there, this episode gives you the full picture on one of the most misunderstood topics for expats in the GCC!  00:00 The debt trap in Dubai — cold open   00:21 Intro — No One Told Me about debt   00:59 Why is everyone in some kind of debt?   01:23 How easy it is to get credit in the UAE   02:49 The riskiest types of debt   03:50 The credit card snowball effect   04:19 The 6x salary credit card limit story   05:17 How credit card interest actually works   06:18 Compound interest — a real calculation   07:11 Hadi's friend — 200,000 dirhams in debt   09:47 Your UAE credit score & the Etihad Bureau app   10:40 Paying the minimum — why it's a trap

    20 min

  4. 18 May

    What To Do With Office Burnout

    Burnout at work is real — but what do you actually do about it?  In this episode, Noor and Hadi look at the same problem from two different angles. One believes in finding ways to work around it and keep going. The other thinks the only real fix is addressing it head-on.  Who's right? Maybe both. Maybe neither.  This episode won't give you one answer — it'll help you figure out which approach actually works for you.  Chapters:00:00 Intro00:20 What is office burnout04:50 Biggest drivers of burnout06:05 Gen Z and Millenial perspective on burnout13:38 How to deal with burnout as a manager15:48 Research and surveys about work life balance18:42 What did we learn about office burnout

    20 min

  5. 11 May

    What To Do If I Got Fired In The UAE

    Losing your job in the UAE can feel overwhelming - especially when rent, visas, and bills are tied to your income. In this episode, we break down what you should actually do if you get fired in the UAE: from understanding your legal rights and end-of-service benefits, to managing your money, handling debt, and planning your next move calmly instead of emotionally. We also talk about emergency savings, job hunting strategically, and the biggest mistakes people make in panic mode. 00:00 Teaser 00:20 Intro 01:10 The day Hadi got fired 02:51 What to do right after losing your job 06:00 Visa options to stay in the UAE 07:40 Side hustles you can start now 10:20 UAE's unemployment insurance scheme 13:04 Summary Whether you’ve been laid off, fear it could happen, or just want to be prepared, this episode gives you a practical framework to protect yourself financially and bounce back smarter.

    15 min

  6. 11 May

    What To Do With My Money In Times Of Conflict

    In times of conflict, money decisions become emotional -and risky. In this episode, we break down what actually matters: how much cash you should keep, why an emergency fund is non-negotiable, and whether gold is really a safe haven or just hype.  We also talk about diversification - what it actually means (not just a buzzword), and how to spread your risk smartly.  00:00 Teaser 00:19 Episode introduction  01:59 Is it OK to panic during times of conflict? 03:08 What should you do with your money during these times? 06:12 Investing during uncertain times  09:03 You should have an emergency fund 11:41: What to invest in during these times 15:35 Episode summary Finally, the big question: should you invest now or wait? This episode gives you a clear, practical framework to stay calm, protect your money, and make smarter moves when uncertainty is high.

    17 min

  7. Trailer

    No One Told Me | Trailer

    No One Told Me is the podcast that fills the gaps — all the things about money, careers, and building a life in the UAE and GCC that nobody ever sat you down and explained.  Hosted by Noor & Hadi, every episode breaks down the real stuff: how to invest, how to navigate your career, how to make smarter financial decisions, and how to actually thrive in one of the world's most fast-moving markets.  No jargon. No gatekeeping. Just honest, practical conversations for anyone figuring it out in the Gulf.  Produced by Moniify.

    26 sec

Trailer

About

No One Told Me is your weekly money and career companion for the ride to work. Hosted by Noor and Hadi, two long-time UAE residents, the show shares the financial lessons, career truths, and wealth-building insights no one ever told us growing up. From salaries and side hustles to saving, investing, and growing long-term wealth, each episode is made to inspire expats across the UAE and GCC to make smarter decisions and build a better financial future—one commute at a time.

Information

  • Creator
    MONIIFY
  • Years Active
    2k
  • Episodes
    7
  • Rating
    Explicit
  • Copyright
    © MONIIFY
  • Show Website
    No One Told Me

You Might Also Like