Straight Up Wealth

Zeja
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No BS. Just everything we should've been taught about money. I am a physician (M.D.) and entrepreneur. I grew up in an immigrant family focused on scarcity and saving. I had to educate myself on everything money and got quite upset that it had never been taught to me over my many years of “education”. This platform is an attempt to remedy that. Disclaimer: We are not financial advisors and this is not financial advice.

  1. 4d ago

    Short Selling Explained: How It Works and Why It's So Risky

    Short selling lets investors profit when a stock falls, but it flips normal investing upside down: you sell shares you do not own and hope to buy them back cheaper. In this episode, we break down exactly how a short sale works, walk through real dollar examples, and explain why the risk is so lopsided, with capped gains and theoretically unlimited losses. We also cover the costs most people miss, including borrow fees, dividend payments and margin calls, plus how short squeezes happen, what went down with GameStop in 2021, and how Hindenburg Research's short on Nikola helped expose a fraud. If you have ever heard that a big investor is "shorting" a company and wondered what that means, or you are tempted to try it yourself, this one is for you. 0:00 What Is Short Selling 1:31 A Short Selling Example 2:41 Capped Gains, Unlimited Losses 3:50 Borrow Fees, Dividends and Margin Calls 6:15 Short Squeezes and GameStop 7:20 Why People Short Anyway 9:23 Hindenburg, Nikola and the Bottom Line Follow Along: 💌 Website/Newsletter: https://www.straightupwealth.net 🤝 Community-https://www.skool.com/straight-up-wealth-4058/about?ref=7c3714c1690a44219d4d48754ae89df4 📸 Instagram -https://www.instagram.com/straightupwealth 🐦 Twitter - https://twitter.com/straight_wealth 🎵 Tiktok - https://www.tiktok.com/@straightupwealth 🎙YouTube: https://youtu.be/KQDNNlIsoJM 👔 LinkedIn- https://www.linkedin.com/in/straight-up-wealth-044b0a26a/ Personal 💌 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thezeja.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📸 Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠🐦 Twitter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎵 Tiktok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎙Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/3xJGTFWMNcMxzQsN4Be0Aj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📽️ YouTube-https://www.youtube.com/channel/UCfIedEQ6vWfjkcvYLeTXSaw 👔LinkedIn- https://www.linkedin.com/in/ze-ja-672028285/ About Us I am a physician (M.D.) turned entrepreneur and educator. I grew up in an immigrant family focused on scarcity and saving. Always follow the safe path and the sure thing. Save money, live frugal and that’s how life would go. I questioned nothing, followed that path and ended up unhappy, broke, in debt and not at all living the life I wanted. I had to educate myself on everything money and got quite upset that it had never been taught to me over my many years of “education”. This platform is an effort to remedy that. Get In Touch: Happy to chat, reach out via the options above. DISCLAIMER: Do your own research. We are not licensed financial advisor. There is no legal advice or financial advice in these videos. This video, the topics discussed, and ideas presented are our opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

  2. Sep 22

    Credit Score Explained: How It Works and How to Build It

    Your credit score has nothing to do with how much you earn. It measures how reliably you handle borrowed money, and it affects your mortgage, car loan, credit card approvals, and even your next apartment. In this episode, we break down what a credit score actually measures, the five factors that build it, and why payment history and credit utilization matter most. You will learn how to treat credit like a debit card, why paying before your statement date can improve your utilization, how hard credit checks and rate shopping work, and the common myths that quietly hurt your score. This one is for anyone starting out with credit, anyone rebuilding, and any parent who wants to set their kids up for success. 0:00 What a Credit Score Really Measures 1:00 How Lenders Use Your Score 2:08 The Five Factors Behind Your Score 3:29 Building Your Payment History 4:34 Credit Utilization and the Statement Date 6:08 Hard Checks, Myths, and the Cost of Bad Credit 8:11 The Bottom Line Follow Along: 💌 Website/Newsletter: https://www.straightupwealth.net 🤝 Community-https://www.skool.com/straight-up-wealth-4058/about?ref=7c3714c1690a44219d4d48754ae89df4 📸 Instagram -https://www.instagram.com/straightupwealth 🐦 Twitter - https://twitter.com/straight_wealth 🎵 Tiktok - https://www.tiktok.com/@straightupwealth 🎙YouTube: https://youtu.be/KQDNNlIsoJM 👔 LinkedIn- https://www.linkedin.com/in/straight-up-wealth-044b0a26a/ Personal 💌 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thezeja.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📸 Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠🐦 Twitter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎵 Tiktok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎙Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/3xJGTFWMNcMxzQsN4Be0Aj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📽️ YouTube-https://www.youtube.com/channel/UCfIedEQ6vWfjkcvYLeTXSaw 👔LinkedIn- https://www.linkedin.com/in/ze-ja-672028285/ About Us I am a physician (M.D.) turned entrepreneur and educator. I grew up in an immigrant family focused on scarcity and saving. Always follow the safe path and the sure thing. Save money, live frugal and that’s how life would go. I questioned nothing, followed that path and ended up unhappy, broke, in debt and not at all living the life I wanted. I had to educate myself on everything money and got quite upset that it had never been taught to me over my many years of “education”. This platform is an effort to remedy that. Get In Touch: Happy to chat, reach out via the options above. DISCLAIMER: Do your own research. We are not licensed financial advisor. There is no legal advice or financial advice in these videos. This video, the topics discussed, and ideas presented are our opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

  3. Sep 15

    Index Funds vs ETFs vs Mutual Funds Explained

    Index funds, ETFs and mutual funds get used interchangeably by people who should know better, including plenty of the advisors selling them to you. In this episode we break down what each structure actually is, how index tracking differs from active management, why an ETF is a container rather than a strategy, and why a mutual fund priced at end of day net asset value behaves differently from an ETF you can trade at any moment. Then we get to the part that decides your outcome: fees. We walk through current average expense ratios across fund types, run the math on what a fraction of a percent costs you over thirty years, and look at what the long term data says about actively managed funds versus a plain index. If you are trying to figure out where to put your money, or you are being pitched a fund right now, start here. 0:00 Index Funds vs ETFs vs Mutual Funds 0:33 Index Tracking vs Active Management 1:31 What an Index Fund Actually Is 3:18 How an ETF Works 5:37 Mutual Funds and End of Day Pricing 6:41 The Fee Math That Decides Your Outcome 8:48 Active vs Index and What to Check First Follow Along: 💌 Website/Newsletter: https://www.straightupwealth.net 🤝 Community-https://www.skool.com/straight-up-wealth-4058/about?ref=7c3714c1690a44219d4d48754ae89df4 📸 Instagram -https://www.instagram.com/straightupwealth 🐦 Twitter - https://twitter.com/straight_wealth 🎵 Tiktok - https://www.tiktok.com/@straightupwealth 🎙YouTube: https://youtu.be/KQDNNlIsoJM 👔 LinkedIn- https://www.linkedin.com/in/straight-up-wealth-044b0a26a/ Personal 💌 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thezeja.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📸 Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠🐦 Twitter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎵 Tiktok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎙Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/3xJGTFWMNcMxzQsN4Be0Aj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📽️ YouTube-https://www.youtube.com/channel/UCfIedEQ6vWfjkcvYLeTXSaw 👔LinkedIn- https://www.linkedin.com/in/ze-ja-672028285/ About Us I am a physician (M.D.) turned entrepreneur and educator. I grew up in an immigrant family focused on scarcity and saving. Always follow the safe path and the sure thing. Save money, live frugal and that’s how life would go. I questioned nothing, followed that path and ended up unhappy, broke, in debt and not at all living the life I wanted. I had to educate myself on everything money and got quite upset that it had never been taught to me over my many years of “education”. This platform is an effort to remedy that. Get In Touch: Happy to chat, reach out via the options above. DISCLAIMER: Do your own research. We are not licensed financial advisor. There is no legal advice or financial advice in these videos. This video, the topics discussed, and ideas presented are our opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

  4. Sep 8

    HELOC Explained: How Home Equity Lines Of Credit Actually Work

    A home equity line of credit is one of the most misunderstood products in personal finance. In this episode we break down what home equity actually is, how a HELOC differs from a mortgage, how much you can realistically borrow against your home, and what the bank is really getting out of the arrangement. We also cover why a HELOC should never be treated as an emergency fund, the questions you need to answer before you draw a single dollar, and how people use one intelligently to buy income or equity producing assets. If you own a home or are thinking about leveraging one, this is the foundation you need before signing anything. 0:00 What Is Home Equity 1:01 How A HELOC Actually Works 1:56 Mortgage Versus HELOC 2:48 How Much You Can Borrow 3:24 What The Bank Gets Out Of It 5:06 Why It Is Not An Emergency Fund 5:41 Using A HELOC The Right Way Follow Along: 💌 Website/Newsletter: https://www.straightupwealth.net 🤝 Community-https://www.skool.com/straight-up-wealth-4058/about?ref=7c3714c1690a44219d4d48754ae89df4 📸 Instagram -https://www.instagram.com/straightupwealth 🐦 Twitter - https://twitter.com/straight_wealth 🎵 Tiktok - https://www.tiktok.com/@straightupwealth 🎙YouTube: https://youtu.be/KQDNNlIsoJM 👔 LinkedIn- https://www.linkedin.com/in/straight-up-wealth-044b0a26a/ Personal 💌 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thezeja.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📸 Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠🐦 Twitter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎵 Tiktok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎙Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/3xJGTFWMNcMxzQsN4Be0Aj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📽️ YouTube-https://www.youtube.com/channel/UCfIedEQ6vWfjkcvYLeTXSaw 👔LinkedIn- https://www.linkedin.com/in/ze-ja-672028285/ About Us I am a physician (M.D.) turned entrepreneur and educator. I grew up in an immigrant family focused on scarcity and saving. Always follow the safe path and the sure thing. Save money, live frugal and that’s how life would go. I questioned nothing, followed that path and ended up unhappy, broke, in debt and not at all living the life I wanted. I had to educate myself on everything money and got quite upset that it had never been taught to me over my many years of “education”. This platform is an effort to remedy that. Get In Touch: Happy to chat, reach out via the options above. DISCLAIMER: Do your own research. We are not licensed financial advisor. There is no legal advice or financial advice in these videos. This video, the topics discussed, and ideas presented are our opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

  5. Sep 1

    MLMs Explained: How Multi Level Marketing Actually Works

    MLMs are not automatically scams, and legally they are not the same thing as pyramid schemes. That distinction is exactly what keeps the industry running. In this episode we break down how multi level marketing actually works, what a downline is, where the legal line between an MLM and a pyramid scheme sits, and what regulators look at when they decide which side a company falls on. We go through the compensation plan mechanics that almost nobody reads before signing up: monthly volume quotas, rank advancement tied to recruiting, and breakaway rules that cut your own team out of your pay. Then we get into why people join anyway, covering social proof, survivorship bias, identity, community and sunk cost. If you have ever been pitched a business opportunity by a friend or a cousin, this one gives you the structure to evaluate it yourself. 0:00 What MLM Actually Means 1:02 How The Downline Works 1:50 MLM Versus Pyramid Scheme 2:31 Why The Pitch Is So Compelling 3:43 The Compensation Plan Nobody Reads 5:21 Where The Money Actually Goes 6:33 The Psychology That Keeps People In Follow Along: 💌 Website/Newsletter: https://www.straightupwealth.net 🤝 Community-https://www.skool.com/straight-up-wealth-4058/about?ref=7c3714c1690a44219d4d48754ae89df4 📸 Instagram -https://www.instagram.com/straightupwealth 🐦 Twitter - https://twitter.com/straight_wealth 🎵 Tiktok - https://www.tiktok.com/@straightupwealth 🎙YouTube: https://youtu.be/KQDNNlIsoJM 👔 LinkedIn- https://www.linkedin.com/in/straight-up-wealth-044b0a26a/ Personal 💌 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thezeja.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📸 Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠🐦 Twitter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎵 Tiktok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎙Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/3xJGTFWMNcMxzQsN4Be0Aj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📽️ YouTube-https://www.youtube.com/channel/UCfIedEQ6vWfjkcvYLeTXSaw 👔LinkedIn- https://www.linkedin.com/in/ze-ja-672028285/ About Us I am a physician (M.D.) turned entrepreneur and educator. I grew up in an immigrant family focused on scarcity and saving. Always follow the safe path and the sure thing. Save money, live frugal and that’s how life would go. I questioned nothing, followed that path and ended up unhappy, broke, in debt and not at all living the life I wanted. I had to educate myself on everything money and got quite upset that it had never been taught to me over my many years of “education”. This platform is an effort to remedy that. Get In Touch: Happy to chat, reach out via the options above. DISCLAIMER: Do your own research. We are not licensed financial advisor. There is no legal advice or financial advice in these videos. This video, the topics discussed, and ideas presented are our opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

  6. Aug 25

    Bitcoin For Beginners: Everything You Need To Understand

    Bitcoin is back in the headlines and almost nobody can explain why. In this episode we skip the price predictions and break down what Bitcoin actually is: a digital asset with a fixed supply that moves over a decentralized network with no bank, government, or payment company operating the ledger. We cover the double spending problem it was built to solve, how the blockchain records and links transactions, what it really means to own Bitcoin through public addresses and private keys, and the tradeoff between self custody and leaving your coins on an exchange. From there we get into mining and the 21 million supply cap, the six properties people point to when they argue Bitcoin has value, and the uncomfortable question of who profits whether you do or not. We finish with the risks that matter: volatility, leverage, custody failure, regulation, technology, and the fact that Bitcoin produces nothing on its own. This one is for anyone who wants to understand the asset before deciding whether it belongs anywhere near their portfolio. 0:00 Why Bitcoin Is Back In The Headlines 1:06 The Double Spending Problem 1:59 How The Blockchain Actually Works 3:13 Keys, Wallets And Custody 4:30 Mining And The Fixed Supply 5:23 Why Bitcoin Has Any Value 6:39 Who Profits And What Can Go Wrong Follow Along: 💌 Website/Newsletter: https://www.straightupwealth.net 🤝 Community-https://www.skool.com/straight-up-wealth-4058/about?ref=7c3714c1690a44219d4d48754ae89df4 📸 Instagram -https://www.instagram.com/straightupwealth 🐦 Twitter - https://twitter.com/straight_wealth 🎵 Tiktok - https://www.tiktok.com/@straightupwealth 🎙YouTube: https://youtu.be/KQDNNlIsoJM 👔 LinkedIn- https://www.linkedin.com/in/straight-up-wealth-044b0a26a/ Personal 💌 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thezeja.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📸 Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠🐦 Twitter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎵 Tiktok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎙Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/3xJGTFWMNcMxzQsN4Be0Aj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📽️ YouTube-https://www.youtube.com/channel/UCfIedEQ6vWfjkcvYLeTXSaw 👔LinkedIn- https://www.linkedin.com/in/ze-ja-672028285/ About Us I am a physician (M.D.) turned entrepreneur and educator. I grew up in an immigrant family focused on scarcity and saving. Always follow the safe path and the sure thing. Save money, live frugal and that’s how life would go. I questioned nothing, followed that path and ended up unhappy, broke, in debt and not at all living the life I wanted. I had to educate myself on everything money and got quite upset that it had never been taught to me over my many years of “education”. This platform is an effort to remedy that. Get In Touch: Happy to chat, reach out via the options above. DISCLAIMER: Do your own research. We are not licensed financial advisor. There is no legal advice or financial advice in these videos. This video, the topics discussed, and ideas presented are our opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

  7. Aug 18

    FHSA Explained: Don’t Make These Mistakes!

    The First Home Savings Account is the most powerful registered account available to Canadian first-time home buyers, and most people are using it wrong or not using it at all. In this episode we break down exactly how the FHSA works: the $8,000 annual and $40,000 lifetime limits, how carry forward is capped, what the deduction is actually worth in dollars, and the rule that means your contribution room is probably sitting at zero right now. We also cover who qualifies as a first-time buyer under the CRA definition, what you can hold inside the account and how to match that to your timeline, the requirements for a tax-free qualifying withdrawal, and how stacking the FHSA with the RRSP Home Buyers Plan gets one person to $100,000 toward a first home. If you are saving for a down payment or you opened an FHSA and left the money in cash, this one is for you. 0:00 What the FHSA Is 1:05 Contribution Limits and Carry Forward 1:41 Why Your Room Starts at Zero 2:17 What the Deduction Is Worth 3:17 Who Qualifies and How to Invest It 5:01 Withdrawals and the Home Buyers Plan 6:38 The Mistakes to Avoid Follow Along: 💌 Website/Newsletter: https://www.straightupwealth.net 🤝 Community-https://www.skool.com/straight-up-wealth-4058/about?ref=7c3714c1690a44219d4d48754ae89df4 📸 Instagram -https://www.instagram.com/straightupwealth 🐦 Twitter - https://twitter.com/straight_wealth 🎵 Tiktok - https://www.tiktok.com/@straightupwealth 🎙YouTube: https://youtu.be/KQDNNlIsoJM 👔 LinkedIn- https://www.linkedin.com/in/straight-up-wealth-044b0a26a/ Personal 💌 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thezeja.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📸 Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠🐦 Twitter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎵 Tiktok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎙Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/3xJGTFWMNcMxzQsN4Be0Aj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📽️ YouTube-https://www.youtube.com/channel/UCfIedEQ6vWfjkcvYLeTXSaw 👔LinkedIn- https://www.linkedin.com/in/ze-ja-672028285/ About Us I am a physician (M.D.) turned entrepreneur and educator. I grew up in an immigrant family focused on scarcity and saving. Always follow the safe path and the sure thing. Save money, live frugal and that’s how life would go. I questioned nothing, followed that path and ended up unhappy, broke, in debt and not at all living the life I wanted. I had to educate myself on everything money and got quite upset that it had never been taught to me over my many years of “education”. This platform is an effort to remedy that. Get In Touch: Happy to chat, reach out via the options above. DISCLAIMER: Do your own research. We are not licensed financial advisor. There is no legal advice or financial advice in these videos. This video, the topics discussed, and ideas presented are our opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

  8. Aug 11

    Interest Rates Explained- Your Best Friend Or Worst Enemy

    Interest rates decide what you pay on your mortgage, your car loan and your credit card, and what you earn on every dollar you save or invest. In this episode we break down what an interest rate actually is, the four factors that decide the number you personally get quoted, and how one overnight rate set by the central bank passes all the way down to your next statement. We also cover why rates are never set to zero, why central banks cut when the economy weakens, and the difference between simple and compound interest using real numbers. If you have ever nodded along to a Fed headline without knowing what it meant for your money, this is the episode that fixes that. 0:00 Why Interest Rates Affect Everything 0:45 What An Interest Rate Actually Is 1:14 What Decides The Rate You Pay 2:34 Central Banks And The Prime Rate 3:38 Why Rates Are Not Zero 4:32 Why Central Banks Cut Rates 5:32 Simple Versus Compound Interest Follow Along: 💌 Website/Newsletter: https://www.straightupwealth.net 🤝 Community-https://www.skool.com/straight-up-wealth-4058/about?ref=7c3714c1690a44219d4d48754ae89df4 📸 Instagram -https://www.instagram.com/straightupwealth 🐦 Twitter - https://twitter.com/straight_wealth 🎵 Tiktok - https://www.tiktok.com/@straightupwealth 🎙YouTube: https://youtu.be/KQDNNlIsoJM 👔 LinkedIn- https://www.linkedin.com/in/straight-up-wealth-044b0a26a/ Personal 💌 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thezeja.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📸 Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠🐦 Twitter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎵 Tiktok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  / thezeja  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎙Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/3xJGTFWMNcMxzQsN4Be0Aj⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📽️ YouTube-https://www.youtube.com/channel/UCfIedEQ6vWfjkcvYLeTXSaw 👔LinkedIn- https://www.linkedin.com/in/ze-ja-672028285/ About Us I am a physician (M.D.) turned entrepreneur and educator. I grew up in an immigrant family focused on scarcity and saving. Always follow the safe path and the sure thing. Save money, live frugal and that’s how life would go. I questioned nothing, followed that path and ended up unhappy, broke, in debt and not at all living the life I wanted. I had to educate myself on everything money and got quite upset that it had never been taught to me over my many years of “education”. This platform is an effort to remedy that. Get In Touch: Happy to chat, reach out via the options above. DISCLAIMER: Do your own research. We are not licensed financial advisor. There is no legal advice or financial advice in these videos. This video, the topics discussed, and ideas presented are our opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

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About

No BS. Just everything we should've been taught about money. I am a physician (M.D.) and entrepreneur. I grew up in an immigrant family focused on scarcity and saving. I had to educate myself on everything money and got quite upset that it had never been taught to me over my many years of “education”. This platform is an attempt to remedy that. Disclaimer: We are not financial advisors and this is not financial advice.

Information

  • Creator
    Zeja
  • Years Active
    2022 - 2026
  • Episodes
    28
  • Rating
    Clean
  • Copyright
    © Zeja
  • Show Website
    Straight Up Wealth