The 3rd Decade Podcast

3rd Decade
  • 4.9 (10)
  • INVESTING

Join us as we invite various individuals to share philosophies on personal finance, helpful tips for navigating saving and investing, and other finance related topics.

  1. JAN 5

    Building First-Gen Wealth with Uziel Gomez

    Nikita Wolff is joined by Uziel Gomez, CFP®, AFC®, and founder of Primeros Financial, as he shares the personal experiences that inspired his mission to serve communities traditionally left out of the financial conversation. Together, they explore what makes “primeros” such a powerful and overlooked demographic, why advisors should be paying attention, and the importance of grace, celebration, and embracing the strengths that come from a first-gen upbringing. Tune in for a thoughtful, energizing conversation between two changemakers tackling financial inequity from different angles.  Find Uziel on Social Media: LinkedInWebsiteInstagram

    29 min

  2. 10/30/2025

    Money Talk for Couples: Finding What Works for You

    Money can bring couples closer—or quietly build tension over time. In this episode, Nikita & Adam Van Deusen dive into one of the biggest relationship questions: Should we combine our finances? And if so, what's the best approach for us? They explore the three main approaches couples take (fully combined, partially combined, or fully separate), break down the pros and cons of each, and share tips for navigating this conversation with curiosity and mutual respect. You’ll also hear practical tools and ideas—from budget apps to financial agreements—to help you and your partner stay on the same page. Whether you’re just moving in or years into a long-term partnership, this episode is your guide to building trust and making money work together. Resources: Common Cents: Bank Account Structure and Couples’ Relationship DynamicsMoney for Couples (By Ramit Sethi)

    45 min

  3. 10/06/2025

    Can Money Buy Happiness?

    They say money can’t buy happiness… but is that really true? In this episode, Nikita & Adam Van Deusen explore the complicated relationship between money and well-being — from what the research says to how our everyday spending choices shape our joy. They break down findings from landmark studies, explore the difference between emotional well-being and life satisfaction, and ask a deeper question: Are you spending your money in a way that aligns with the life you actually want? You’ll also hear how money can reduce stress and increase freedom—but only if you’re intentional with how you use it. From prioritizing experiences over stuff to giving generously and buying back your time, they share practical ways to use money as a tool for more meaning and happiness. Resources: Income and emotional well-being: A conflict resolvedHappy Money: The Science of Smarter Spending

    35 min

  4. 09/01/2025

    Scarcity Mindset and Trauma Around Money

    In this episode, Nikita & Katherine Chatmon (3rd Decade Volunteer Mentor), discuss how a scarcity mindset & trauma around money impact our financial beliefs, progress, and wellbeing. This discussion includes: how it shows up, root causes, and ways to heal/rewrite your money script. Resources: "Money Story" worksheet downloadFinancial Archetype Quiz

    34 min

  5. 08/04/2025

    Lifestyle Creep: The Subtle Ways Our Spending Eats Away at Our Progress

    In this episode, Nikita & Katherine Chatmon (3rd Decade Volunteer Mentor), discuss lifestyle creep. We all experience some amount of this as our income rises, but this episode covers: personal examples, how to recognize when it's happening, why it matters, prevention techniques, and ways to manage it.  Resources: Avoiding Lifestyle Creep (Presentation by Kohler Credit Union)NerdWallet – What Is Lifestyle Creep and How Can You Avoid It?Book: Your Money or Your Life by Vicki Robin & Joe Dominguez The Minimalists (blog, podcast, and Netflix documentary)r/BuyItForLife

    41 min

  6. 06/30/2025

    Long-Term Care Planning: Is It For Me?

    In this Episode, Nikita welcomes Co-founder & CEO of Waterlily, Lily Vittayarukskul, on to discuss the need for Long-Term Care Planning. Lily's professional path was redirected after she experienced first-hand the financial and familial stress that long-term care costs put on her family when her family member became ill. In this episode, they discuss what average costs are for care, what types of care may be needed in old age, why it matters, and ways to plan for its potential financial impact. Lily's company uses AI to help analyze your own likelihood for needing care, and which type of insurance policy may be most suitable for you.  Resources: WaterlilyWaterlily WaitlistGenworth Cost of Care SurveyLongTermCare.gov

    35 min

  7. 06/02/2025

    Achieving The Perfect Credit Score

    Nikita is joined by Adam Van Deusen (Volunteer Mentor & CFP®) for a discussion on the steps you can take for a higher credit score. Furthermore, this episode covers: What a credit score isWhat makes up a credit scoreAccessing credit reportsMyths Resources: Annual Credit ReportFICO

    36 min

  8. 05/05/2025

    How To Make Money on Credit Cards

    Nikita is joined by Adam Van Deusen (Volunteer Mentor & CFP®) for a discussion on how a person can make money on credit cards and dip their toes into the world of "travel hacking". Furthermore, this episode covers: Who is a good candidate for these strategiesTypes of credit card rewardsCategories of spendingSign-up bonusesWhen/if to cancel or downgradePremium cardsTravel perks beyond free flightsPitfalls to avoid Resources: Frequent Miler BlogSkyscannerPointsYeah

    48 min
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Ratings & Reviews

4.9
out of 5
10 Ratings

About

Join us as we invite various individuals to share philosophies on personal finance, helpful tips for navigating saving and investing, and other finance related topics.

Information

  • Creator
    3rd Decade
  • Years Active
    2020 - 2026
  • Episodes
    63
  • Rating
    Clean
  • Copyright
    © 2026 The 3rd Decade Podcast
  • Show Website
    The 3rd Decade Podcast