The Personal Finance Club Show

Jeremy Schneider and Jenn Mundia
  • 5.0 (1)
  • Investing
  • Updated weekly

The Personal Finance Club Show makes personal finance and investing simple and fun. Each episode unpacks real-world money questions, viral financial claims, and major news headlines in clear, bite-sized pieces. Whether you're decoding your 401(k), getting started with index funds, or wondering if that viral TikTok money hack actually holds up, this show has you covered. Hosts Jeremy Schneider and Jenn Mundia, will share practical advice, straightforward investing tips, and go on an occasional rant about credit card points or renting vs buying. Whether you're just beginning or staying the course, you’ll leave each episode feeling more confident and in control of your financial life.

  1. 2 hr ago

    $900B Today vs. 1.2M/hr, Stock Picking, and Click-To-Cancel | Ep 59

    In Episode 59 of the Personal Finance Club Show, Jeremy and Jenn start off with some fun Halloween costume banter before jumping into "Scroll Patrol" to react to trending online money advice. In "Hot Topics," they dive into New York City's new "click-to-cancel" rule, breaking down the history of FTC regulations and court battles surrounding subscription cancellations. Jeremy outlines the difference between a free market and a well-regulated free market, showing why making subscriptions as easy to cancel as they are to join promotes healthy competition and protects consumer wallets from predatory traps.Next, in "Can I Ask A Dumb One?", Jeremy and Jenn take a question from Chris in Connecticut about the best account type for individual stock picking. Jeremy discusses the 90/10 rule and explains the tax implications of stock trading in a taxable brokerage versus an IRA, noting why an IRA protects against unexpected capital gains tax hits while keeping trading decisions detached from tax consequences. Finally, in "Jeremy Had Time Today," Jeremy addresses comments on his recent medical debt forgiveness initiative, explaining why trying to collect on purchased medical debt isn't feasible and why charitable debt relief works differently than traditional collections. They close with their signature reminder to live below your means and invest early and often. Helpful links: Ask a question: https://personalfinanceclub.com/ask/ Flat-Fee Financial Advisors: https://hellonectarine.com/ One hour learn to invest course (free): https://personalfinanceclub.com/start-here/ https://www.instagram.com/smartician0/

  2. 22 Oct

    The Truth About Private Equity, The Roth vs. Traditional Debate, and Peanut Butter on a Budget | Ep 58

    In Episode 58 of the Personal Finance Club Show, Jeremy and Jenn kick off with surprise banter before jumping into "Scroll Patrol" to react to trending online financial advice. Moving into "Hot Topics," they tackle the truth about private equity, breaking down how funds raise capital from wealthy investors to buy private companies. They discuss whether private equity represents a failure of capitalism or simply a natural phase in a company's life cycle that provides founders with exit strategies and drives business innovation. Next, in "Can I Ask A Dumb One?", Jeremy and Jenn answer a question from Johanna in Olympia, Washington, regarding the traditional vs. Roth retirement account debate. They explain how both options beat taxable accounts, outline rules of thumb based on age and income levels, and discuss the tax-diversification benefits of holding a mix of taxable, Roth, and traditional accounts. Finally, in "Jeremy Had Time Today," they address TikTok comments on a video advocating target-date index funds, reiterating why bond allocations become crucial as investors age to protect against downside risk and ensure long-term portfolio survival. They wrap up with their signature rule to live below your means and invest early and often. Helpful links: Ask a question: https://personalfinanceclub.com/ask/ Flat-Fee Financial Advisors: https://hellonectarine.com/ One hour learn to invest course (free): https://personalfinanceclub.com/start-here/ Jenn’s Latest Song: https://open.spotify.com/track/0qIN5AQ02yWJKGgWqQnrNt?si=af2805bbc60b4bc0 Roth Vs. Traditional: https://personalfinanceclub.com/roth-vs-traditional-how-do-the-taxes-work/ 4 reasons to put 100% of your portfolio in to TDIF: https://www.tiktok.com/@personalfinanceclub/video/6938818484965100806

  3. 15 Oct

    The Single Tax, Gambling on Margin, The $200K 22 year old | Ep 57

    In Episode 57 of the Personal Finance Club Show, Jeremy and Jenn kick off with some travel banter about running to their airport gate and review recent audience poll results before opening "Scroll Patrol" to react to online money advice. In "Hot Topics," they dive into a dark new trend: margin trading on prediction markets. Jeremy breaks down how combining high-risk speculative betting with borrowed funds acts as a dangerous multiplier, comparing it to racing a superbike on meth, and warns how these predatory financial products disproportionately drain wealth from everyday users. Next, in "Can I Ask A Dumb One?", Jeremy and Jenn take an audio question from 22-year-old Shae in Buffalo, who has already invested $200,000 and is struggling to balance aggressive saving with actually enjoying life. Jeremy points out that Shae has essentially reached CoastFI, recommending Die With Zero and sharing his personal mantra to say yes to experiences and travel with friends. Finally, in "Jeremy Had Time Today," they respond to pedantic internet comments picking apart the history and mechanics of the S&P 500 index, reminding listeners not to lose sight of the big picture and the core rules: live below your means and invest early and often. Helpful links: Ask a question: https://personalfinanceclub.com/ask/ Flat-Fee Financial Advisors: https://hellonectarine.com/ One hour learn to invest course (free): https://personalfinanceclub.com/start-here/ Margin trading on prediction markets: https://x.com/MorePerfectUS/status/2102388587928998344?s=20 Gambling stat: https://www.sciencedirect.com/science/article/abs/pii/S014829631930058X Self Cleansing S&P 500: https://www.instagram.com/p/DdkDeNqEfFu/

  4. 8 Oct

    Breaking the Paycheck-to-Paycheck Cycle, IULs for Kids, and Is Car Insurance Worth It? | Ep 56

    In Episode 56, Jeremy and Jenn start off with some banter before diving into "Scroll Patrol" to review trending online money advice. In "Hot Topics," they talk about Invest Fest and share their thoughts on financial conferences, highlighting how the networking and inspiration from these events can offer real value even if you do not agree with every strategy pitched. Next, in "Can I Ask A Dumb One?", Jeremy and Jenn answer a question from Lucy in Los Angeles about whether uninsured motorist coverage is worth the extra cost. Jeremy breaks down his own auto insurance bill, explaining how insurance is meant to protect against economic disaster and why those with lower net worths often need more coverage until they build up wealth. Finally, in "Jeremy Had Time Today," they call out insurance salesmen pitching Indexed Universal Life policies for kids, explaining why children's life insurance is a poor wealth-building tool compared to simple index fund investing. They wrap up with their classic rule to live below your means and invest early and often. Helpful links: Ask a question: https://personalfinanceclub.com/ask/ Flat-Fee Financial Advisors: https://hellonectarine.com/ One hour learn to invest course (free): https://personalfinanceclub.com/start-here/ Scroll Patrol: https://www.tiktok.com/@roxycouse/video/7638989277992373518?is_from_webapp=1&sender_device=pc Threads: https://www.threads.com/@personalfinanceclub/post/DYXXBvMFFJ9

  5. 1 Oct

    $5k Trump Dividend Checks, Sneaky Investment Account Fees, and Do The Poor Pay More? | Ep 55

    In Episode 55 of the Personal Finance Club Show, Jeremy and Jenn start off with banter before jumping into "Scroll Patrol" to react to trending internet money advice. In "Hot Topics," they dissect proposed political payouts, focusing on the heavily headline-driven $5,000 "Trump Dividend Check." Jeremy breaks down why adding over $1 trillion to the national deficit renders these promises practically impossible without congressional approval, explaining the realities behind political campaign claims and federal deficit projections. Next, in "Can I Ask A Dumb One?", Jeremy and Jenn take an audio question from Sarah in Washington State about uncovering hidden investment account fees. Jeremy breaks down where to spot sneaky advisory, wrap, and management charges on account statements, while explaining how front-end loads and high expense ratios quietly drain wealth over time. Finally, in "Jeremy Had Time Today," they respond to Instagram comments on a post highlighting how regressive property and sales taxes disproportionately impact middle- and lower-income families. They end as always with their signature advice to live below your means and invest early and often. Helpful links: Ask a question: https://personalfinanceclub.com/ask/ Flat-Fee Financial Advisors: https://hellonectarine.com/ One hour learn to invest course (free): https://personalfinanceclub.com/start-here/ Trump Dividend Checks: https://www.instagram.com/p/DdOpYz9FCTu/ The Poor Pay More: https://www.instagram.com/p/DdMJsN9GClb/?img_index=1 Scroll Patrol: https://www.tiktok.com/t/ZTUQtowhu/ How To Fire Your Financial Advisor: https://personalfinanceclub.com/how-to-fire-your-financial-advisor/

  6. 24 Sept

    Buy Now Pay Later Rent, $20/hr Chief Of Staff, and Ethical Cannibalism | Ep 54

    In Episode 54 of the Personal Finance Club Show, Jeremy and Jenn start off with banter about surviving on gas station food and the Andes flight disaster before diving into "Scroll Patrol" to react to online money advice. In "Hot Topics," they tackle the rising trend of Buy Now, Pay Later services being used for rent payments. Jeremy warns how spreading out rent payments tempts people into living beyond their means and masks deeper financial strain, emphasizing that fixing income, housing, transportation, and food costs is the real path to financial stability rather than relying on high-risk Band-Aid solutions. Next, in "Can I Ask A Dumb One?", Jeremy and Jenn answer a question from Ron in Pittsburgh about essential personal finance books. They highlight timeless classics like The Simple Path to Wealth, The Little Book of Common Sense Investing, The Millionaire Next Door, A Random Walk Down Wall Street, and Die With Zero, summarizing their core message into simple rules: live below your means, avoid debt, and buy and hold index funds. Finally, in "Jeremy Had Time Today," they revisit a TikTok post from five years ago to show how a $10,000 investment would have grown to over $18,000 today, demonstrating why sitting on profitable companies through index funds builds reliable long-term wealth. They close with their signature reminder to live below your means and invest early and often. Helpful links: Planet Money episode Buy now, pay dearly?: https://www.npr.org/2025/11/12/nx-s1-5605981/buy-now-pay-dearly-update Ask a question: https://personalfinanceclub.com/ask/ Flat-Fee Financial Advisors: https://hellonectarine.com/ One hour learn to invest course (free): https://personalfinanceclub.com/start-here/ Codie Sanchez: https://www.facebook.com/reel/1198681869801448 Buy Now Pay Later Rent: https://www.instagram.com/p/DUcYPqzkape/ Jeremy Had Time Today: https://www.tiktok.com/@personalfinanceclub/video/7003450186433350918

  7. 17 Sept

    Don’t Pay Your Debt, Bonds Surge, and Are Mortgages Anti-Millionaire? | Ep 53

    In Episode 53 of the Personal Finance Club Show, Jeremy and Jenn kick things off with a game of "Name That Celeb" during banter before jumping into "Scroll Patrol" to react to trending online money advice. In "Hot Topics," they tackle bond yields and demystify how bonds work, defining key concepts like principal, coupon rates, and market price. Jeremy explains why bond values fluctuate inverse to interest rates and highlights why holding simple, self-cleansing bond index funds beats trying to pick individual bonds.Next, in "Can I Ask A Dumb One?", Jeremy and Jenn take a question from Scott in Boise about bond allocation in retirement. Jeremy walks through a scenario comparing two retirees during the 2008 Great Financial Crisis, demonstrating how sequence of returns risk can devastate an all-stock portfolio while showing how a balanced allocation supported by the historic Trinity Study provides the best long-term survival rate. Finally, in "Jeremy Had Time Today," they address TikTok comments regarding tax strategies, dispelling the myth that writing off expenses is the same as getting free money, before ending with their signature reminder to live below your means and invest early and often.Helpful links:Ask a question: https://personalfinanceclub.com/ask/Flat-Fee Financial Advisors: https://hellonectarine.com/One hour learn to invest course (free): https://personalfinanceclub.com/start-here/Bond surge: https://www.instagram.com/p/DcOlapXm-Wd/Scroll Patrol: https://www.instagram.com/reel/Dbg2Z06vlWd/?igsi=NTc4MTIwNjQ2YQ==Jeremy Had Time Today: https://www.tiktok.com/@personalfinanceclub/video/7112481280427658542

  8. 10 Sept

    Reddit in the S&P, VOO vs VTI, and Momentum Index vs. Global Index | Ep 52

    In Episode 52 of the Personal Finance Club Show, Jeremy and Jenn kick off with "Scroll Patrol" before diving into the big news in "Hot Topics": Reddit joining the S&P 500. They break down what it takes for a company to join the benchmark index, who got booted to make room, and how often additions and removals actually happen. They also highlight the self-cleansing nature of index funds, showing why holding total market indices allows investors to automatically benefit from top performers over time without needing to pick individual winners.Next, in "Can I Ask A Dumb One?", Jeremy and Jenn answer an audio question from Stephanie in Michigan about portfolio overlap between VOO and VTI. They explain how much these funds overlap, weigh the tax consequences of selling in a taxable account versus an IRA, and discuss whether it is better to consolidate for simplicity or leave existing holdings alone. Finally, in "Jeremy Had Time Today," they react to an Instagram comment on a Forrest Gump reel, breaking down why momentum ETFs like SPMO and concentrated tech funds like QQQ are often just ways of chasing past performance. They wrap up with their signature reminder to live below your means and invest early and often.Helpful links:Ask a question: https://personalfinanceclub.com/ask/Flat-Fee Financial Advisors: https://hellonectarine.com/One hour learn to invest course (free): https://personalfinanceclub.com/start-here/https://www.cnbc.com/2026/08/13/reddit-shares-jump-11percent-on-inclusion-in-sp-500.htmlhttps://personalfinanceclub.com/what-is-the-best-index-fund-comparing-us-total-market-and-sp-500-index-funds/

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About

The Personal Finance Club Show makes personal finance and investing simple and fun. Each episode unpacks real-world money questions, viral financial claims, and major news headlines in clear, bite-sized pieces. Whether you're decoding your 401(k), getting started with index funds, or wondering if that viral TikTok money hack actually holds up, this show has you covered. Hosts Jeremy Schneider and Jenn Mundia, will share practical advice, straightforward investing tips, and go on an occasional rant about credit card points or renting vs buying. Whether you're just beginning or staying the course, you’ll leave each episode feeling more confident and in control of your financial life.

Information

  • Creator
    Jeremy Schneider and Jenn Mundia
  • Years Active
    2025 - 2026
  • Episodes
    59
  • Rating
    Clean
  • Copyright
    © Jeremy Schneider and Jenn Mundia
  • Show Website
    The Personal Finance Club Show

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