The Karat Podcast

Karat Financial
  • 4.5 (17)
  • ENTREPRENEURSHIP
  • UPDATED WEEKLY

Ever wondered what your favorite creators are like behind the scenes? Karat Financial co-founders Eric Wei and Will Kim talk with today’s biggest creators to get to know the humans behind the content. Tune in to go deep, with topics covering hopes, dreams, philosophy, and insecurities.

  1. JAN 16

    EP. 93 - Faceless musician Marino on his music getting 100M+ Spotify streams

    Marino makes music from his bedroom wearing a bag over his head. Now he's a music superstar with over 100M plays, 8M Spotify listeners, and #14 on Billboard. Today he shares *everything*. check out Karat at www.trykarat.com - we help creators like Marino with their finances!

    37 min

  2. 12/18/2025

    EP. 92 - Why Nihachu Quit the Internet… and Why She Returned

    Get Karat Business banking with a signup bonus at https://link.trykarat.com/niki ‪@NikiNihachu‬ was one of the biggest female streamers in the world - then she quit. Today she shares what happened, why she's returning, and how to create from a place of joy.Note: this was recorded in at VidCon in June 2025. --------- 0:00 – Intro1:16 – Why she stopped posting content1:34 – Minecraft fame at 18 in COVID lockdown2:12 – “If I die tomorrow, what will they remember me as?”3:54 – her streaming origin story4:40 – “I’ve been through some shit" - like being KIDNAPPED6:05 – Choosing not to become bitter after trauma6:44 – Nihachu is not your angel8:38 – Telling the internet her deepest darkest secret10:40 – what depression looks like11:52 – she's using TikTok for GOOD14:23 – Nihachu's secret motivation in life15:17 – how this ties to philosopher Kant18:19 – Dream SMP hate21:23 – why she moved to Los Angeles!23:11 – She moved out at 17....then what?23:31 – Nihachu begged classmates for a couch24:32 – she had nothing...then a stranger helped26:12 – Nihachu didn't pay taxes - jail arc?? 27:29 – why she didn't do brand deals for so long29:26 – NO to gambling money30:47 – what new Nihachu content looks like33:19 – Why therapists don’t understand creators37:12 – Nihachu's message to her folloewrs

    38 min

  3. 12/02/2025

    EP. 91 - Zach Justice on building a media empire from nothing

    Get Karat Business banking with a signup bonus at https://link.trykarat.com/justice ​ ⁨ Zach Justice grew up in poverty. Today he's built a YouTube comedy empire and talking with Hollywood studios - all through rizz and pickup lines- here's how he did it. Note: this was recorded in June 2025. 0:00 - Intro 1:23 - Zach wakes up at an ungodly hour 2:17 - how Zach started on The Vampire Diaries and cucked his gf 4:00 – how Zach broke into Hollywood as a nobody 4:48 - Zach's first place was a sh*thole 5:25 - was it an earthquake? nah just a threesome 6:24 - was Zach getting cast in stuff? 7:16 - Zach was literally starving 9:48 - Zach moved out because fear of being stabbed 10:27 - Zach commits actual financial fraud 11:49 - Zach's sexual life at this time 12:20 – how the Dropouts pod got started 13:32 - Zach on his cohost and ex Indiana 14:32 - Zach was robbed of $50K 15:35 - Zach's financial struggles growing up 17:56 - Zach is motivated by death 22:26 - how Zach deals with views going down 23:23 - how people in LA treat you when views are down 25:59 - Zach's beef with CollegeHumor Dropout 26:36 - the origins of The Lunch Table podcast 27:42 - why Zach invests in other creators 30:54 - what Zach is doing with Hollywood now 33:47 - Zach on Tara Yummy 36:21 - does Zach prefer Hollywood or YouTube 37:42 - Zach on AI 41:12 - Zach on pitching A24 41:32 - how is Zach both funny but also business savvy? 43:42 - why is Zach raising millions 45:06 - Zach's shoutout to a small NBA basketball player

    45 min

  4. 10/16/2025

    EP. 90 - Mizkif on ego, pain, & cancellation (interview)

    NOTE: this episode was filmed before recent events involving Mizkif. This podcast is not an endorsement of him or his action. We're keeping it up as historical context. Join Karat's Discord at https://link.trykarat.com/mizkif-discord Get Karat Business banking with a signup bonus at https://www.trykarat.com/10kboost-a?utm_medium=spotify Mizkif was a king of Twitch. Then he was cancelled. Today he shares how he's rebuilding his legacy by developing new businesses and projects. ------------ Follow Karat at https://www.instagram.com/trykarat/ Follow Eric at https://www.instagram.com/erictway/ Follow Mizkif at https://www.instagram.com/realmizkif/ ------------ 0:00 - Intro 1:22 - Why streamers have massive egos 6:01 - How it all started 18:22 - How “the door” happened 21:21 - Miz on business: OTK and Starforge 26:20 - How it felt becoming a millionaire 29:56 - Where did he f*ck up? 37:32 - What’s his focus now? 45:41 - Why Twitch is a dying platform 48:31 - What would he do right now to get famous? 50:42 - His SECRET group he never talks about 52:15 - What's his legacy? 55:37 - Does his ego motivate him? 57:12 - Chatting with Miz’s BEST friend Dave

    1h 2m

  5. 09/17/2025

    EP. 89 - I quit Wall Street to build a YouTube Business Empire (Codie Sanchez interview)

    Meet Codie Sanchez- she's making $100M+ year from her business - but not through brand deals and AdSense.In this pod - she shares 20 secrets on how she did it and how creators can build real businesses & ownership.

    58 min
  6. EP. 88 - How I Built a Billion Dollar YouTube Business: Alex Hormozi interview [VIDEO]

    03/07/2025

    EP. 88 - How I Built a Billion Dollar YouTube Business: Alex Hormozi interview [VIDEO]

    Join Karat's Discord for creator masterclasses every week at https://link.trykarat.com/discord-hormozi Meet Alex Hormozi: he's making $10M+ year from content and owns a portfolio of businesses making $250M/ year.In this pod - he shares 21 secrets on how he monetizes and scales his content- and why most creators are stuck in a broken business model. ------------ Follow Karat at https://www.instagram.com/trykarat/ Follow Eric at https://www.instagram.com/erictway/ Follow Alex at https://www.youtube.com/@AlexHormozi https://www.instagram.com/hormozi/ ------------ 21 Insights from Hormozi: 01:44 - Your content is your business 04:08 - How to scale your business beyond a “face” personality 05:50 - Wanna make money? Learn this game 06:32 - One mistake killing your channel - FIX IT 07:38 - Monetization HACKS every creator should know 12:48 - Focusing on deals? Congrats, you're a media company 16:09 - If it's worth doing, expect HATERS 16:58 - DON'T eat this... 17:48 - Can you really get cancelled? 25:11 - Giving up equity can 10x your business 29:11 - Copy what works, scale FAST 30:00 - Content alone won't build your business - THIS WILL 31:00 - How to win on cost, but RISK it all 31:43 - Beat key man risk with this one strategy 35:45 - Secret to scaling your content 39:23 - Chose the right product to promote or LOSE BIG 40:37 - Use this retention hack from day 1 42:40 - Elements of influence you NEED to master 50:15 - Secret hack to using short form 52:00 - Content won't scale a business UNLESS you know this 53:31 - The branding mistake that's diluting your platform 1:06:03 - Ultimate content boosting cheat code

    1h 7m
  7. EP. 87 - Scumbag Dad on Why YouTube is Broken (interview) [VIDEO]

    12/04/2024

    EP. 87 - Scumbag Dad on Why YouTube is Broken (interview) [VIDEO]

    Join Karat Banking's perks program at https://www.trykarat.com/banking - first 1000 members to join the waitlist & be approved get the perks program for free for a year Why are so many YouTubers quitting or getting cancelled? @scumbagdadofficial aka Scumbag Dad knows why - how algorithms are breaking our minds- and how to fix it. ------------ Follow Karat at https://www.instagram.com/trykarat/ Follow Eric at https://www.instagram.com/erictway/ Follow Scumbag Dad at @scumbagdadofficial https://www.instagram.com/brad_podray/ https://www.tiktok.com/@brad_podray ------------------ 0:00 - Intro 1:29 - YouTube is BURNING down 2:02 - Disingenuous creators - how to spot them! 4:20 - Online "Rizz" guys are creating this issue 5:53 - Why the comment section is BRUTAL 7:45 - Creating ScumbagDad for this reason 9:03 - The main goal of 99% of YouTubers 11:57 - This YouTuber is now a politician 13:27 - Why his content was BANNED on TikTok 15:50 - He SPENDS how much on his TikToks?! 18:55 - His new podcast with @Stanzipotenza 20:48 - Why he HAS to change his name 21:27 - Losing a commercial gig because of this video 22:56 - KindbagDad...launching soon? 26:41 - Al is changing the creator landscape 30:16 - Every artist should make short form content 35:24 - Ruin your online following with this simple hack! 37:43 - This type of creator is EVIL 39:47 - This EVIL TIKTOKER preys on the homeless for content 41:24 - His endgame and closing thoughts

    45 min
  8. EP. 86 - How LaurDIY survived YouTube for 10 years (interview) [VIDEO]

    12/03/2024

    EP. 86 - How LaurDIY survived YouTube for 10 years (interview) [VIDEO]

    Join the waitlist for Karat Banking's new perks program at https://link.trykarat.com/banking-karat-pod - first 1000 members approved get perks free for a year~ LaurDIY has done YouTube for over 10 years - and she's still relevant, active, and not cancelled! Today she shares her secrets on how to build a sustainable career as a creator. ------------ Follow Karat at https://www.instagram.com/trykarat/ Follow Eric at https://www.instagram.com/erictway/ Follow LaurDIY at @LaurDIY  @laurDIYvlogs @WildTil9 https://www.instagram.com/laurdiy/ ------------ 00:00 - Intro 03:57 - Secret to 10 YEARS on YouTube 04:16 - LauraDIY Roasting Eric 05:26 - Extreme Makeover: Eric edition 08:59 - LaurDIY ghosted Eric 10:47 - Staying in bad relationships 13:23 - Privatizing your old videos is good 14:13 - DIY era wasn't always authentic 15:37 - Growing with your audience can save your channel 16:58 - why Lauren talks about p*nises now 17:55 - Secret to shifting content 20:33 - Hello new subscribers, goodbye old ones 25:07 - Vlogging is the new DIY'ing 26:53 - Making money on YouTube 10 years ago 30:14 - 90s kids are natural DIYers 36:38 - Meeting my husband while we both were in other relationships 38:27 - 10+ more years on YouTube? 42:30 - Content planning 101 47:37 - Partnering with Ashton Kutcher 52:10 - The one thing every creator struggles with 53:24 - Lauren's HOLLYWOOD show & ratings on it 57:42 - her show cost how much per episode?? 59:32 - her HBO show got CANCELLED 1:05:43 - Staying sane as a creator 1:09:26 - Outro ------------ Editors: Jayna Benito & Cole Selby

    1h 10m
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4.5
out of 5
17 Ratings

About

Ever wondered what your favorite creators are like behind the scenes? Karat Financial co-founders Eric Wei and Will Kim talk with today’s biggest creators to get to know the humans behind the content. Tune in to go deep, with topics covering hopes, dreams, philosophy, and insecurities.

Information

  • Creator
    Karat Financial
  • Years Active
    2022 - 2026
  • Episodes
    95
  • Rating
    Explicit
  • Copyright
    © Karat Financial
  • Show Website
    The Karat Podcast