The F. Word

Priya Malani
  • 5.0 (15)
  • Business
  • Updated Weekly

The F. Word with Priya Malani is the lifestyle-centric money podcast for high-earning 30-somethings who want to take control of their cash—no finance degree required. Whether you’re financially free or still figuring it out, Priya’s got your back. In each episode, she cuts through the jargon & teaches you the financial truths no one else is talking about—so you can make smarter money moves, without the stress. Disclaimer: Stash Wealth is a Registered Investment Advisor. Content presented is for informational & educational purposes only. Investing involves risk, including the loss of principal.

  1. Aug 13

    Ep 78 | Millennial Money With The OG Expert

    In this episode, Priya sits down with Erin Lowry, bestselling author of the Broke Millennial book series, to talk about what it actually takes to build wealth instead of just looking like you have it. They dig into why high earners still feel like they're living paycheck to paycheck at $250K-$350K, how a scarcity mindset gets passed down even in financially stable households, and why investing - not saving - is the real wealth-building lever. Erin also shares her own decision to skip a traditional engagement ring, and what it taught her about spending in alignment with her own values instead of other people's expectations.   Takeaways: At $250K-$350K in an expensive city, the paycheck-to-paycheck feeling is real & the fix isn't a stricter budget.You can inherit a scarcity mindset even if you never had a scarce childhood.Saving for retirement is a misnomer. If your 401(k) money is sitting in a cash or money market fund, it isn't actually working towards your retirement goal.Building wealth isn't only about cutting spending - growing your income, negotiating your pay, and creating new income streams move the needle just as much as trimming expenses.  Follow Priya Malani: LinkedIn | Instagram | Stash Wealth | YouTube Guest Bio: Erin Lowry is the bestselling author of the Broke Millennial book series, including Broke Millennial, Broke Millennial Takes On Investing, and Broke Millennial Talks Money. She's spent over a decade translating complex financial concepts into plain language for millennials and Gen Z, and now hosts Funny Money, a live comedy show about personal finance in New York City. Guest Links: Website: brokemillennial.com Instagram: https://www.instagram.com/brokemillennialblog Books: Broke Millennial  Broke Millennial Takes On Investing Broke Millennial Talks Money.  Funny Money Tickets: https://brokemillennial.substack.com/p/funny-money-comedy-show (Code LOL10 for $10 off) and Livestream here (code LOL3 for $3 off!) The Stuff Our Lawyers Want Us to Say: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

  2. Jul 30

    Ep 77 | You Don't Want Passive Income. You Want This.

    In this episode, Priya challenges the widespread obsession with passive income - specifically real estate - and makes the case that chasing a financial mechanism before understanding the actual goal is one of the most expensive mistakes high earners make. She breaks down the real spectrum of passive income, from index funds and REITs that quietly compound to Airbnbs and rental properties that can feel more like a second job.   Takeaways: Parking $100K in a savings account for three years while hunting for the right real estate deal means your money never started compounding - that delay is often one of the most expensive financial decisions a high earner makes, and it sounds completely reasonable on the surface.At $250K in income, your career is probably your highest-returning asset right now - a raise, a promotion, or better negotiated comp compounds too, and it deserves the same energy as a property search.Passive income strategies make sense after the basics are already working: retirement savings on track, consistent investing in place, and true excess capital available - not before. Follow Priya Malani: LinkedIn | Instagram | Stash Wealth | YouTube The Stuff Our Lawyers Want Us to Say: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

  3. Jul 16

    Ep 76 | Is $5M Enough to Retire?

    In this episode, Priya tackles the retirement number most high earners have been quietly aiming for - $5 million - and asks whether it actually holds up. She walks through inflation, lifestyle replacement vs. salary replacement, the Fidelity healthcare estimate, and the variables that shift the math most: when you retire, whether you keep earning, and what strategy you're actually comfortable with.   Takeaways: You're not replacing your salary in retirement - you're replacing your lifestyle, and for high earners those are two very different numbers.Most high achievers don't stop working in retirement - they change how they work, and even $50-75K in flexible income can shift your retirement target by millions.Blindly maxing retirement accounts without knowing your actual number might mean you're compressing your current lifestyle for a target you don't even need.Follow Priya Malani: LinkedIn | Instagram | Stash Wealth | YouTube The Stuff Our Lawyers Want Us to Say: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

  4. Jul 2

    Ep 75 | Wealth Building with AI expert, Professor Israni

    In this episode, Priya sits down with Sunny Israni - Wall Street veteran, Columbia Business School professor, and co-founder of AI automation startup LightSwitch - to cut through the noise on what AI actually means for your money. The conversation anchors on Elon Musk's claim that retirement savings will be irrelevant in an AI-abundant future. Priya and Sunny dismantle it methodically. But more importantly, they answer the question most high earners are quietly asking: what does building wealth actually look like when the rules are changing this fast? Takeaways: How the people closest to AI - the ones who actually build it - invest.The vast majority of AI users use it as a glorified search engine - which means the real AI opportunity is still wide open.Outsourcing your financial security to a prediction about AI abundance requires technology, human adoption, and policy to all align simultaneously. Follow Priya Malani: LinkedIn | Instagram | Stash Wealth | YouTube Guest Bio: Sunny Israni started his career in fixed-income trading at Bank of America Merrill Lynch and built analytics infrastructure at Bloomberg that powered investment decisions across Wall Street. He is a CFA, a Columbia Business School professor, and co-founder of LightSwitch, an AI automation company for CPG brands. Guest Links: Personal Site: https://sunny.expert/ YouTube: https://www.youtube.com/@SunnySaysYes Instagram: https://www.instagram.com/sunnysaysyas/ LinkedIn: https://www.linkedin.com/in/sunny-israni/ X/Twitter: https://x.com/sunnysaysyes TikTok: https://www.tiktok.com/@sunnysaysyes The Stuff Our Lawyers Want Us to Say: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

  5. Jun 18

    Ep 74 | Your 401(k) Explained: Max vs Match

    In this episode, Priya strips the 401k back to first principles - what it actually is, how the employer match works, and when maxing it out might be the wrong call. The catalyst: a smart, well-educated client who went years without contributing because nobody ever explained what "match" meant. Priya fixes that, then goes further - covering the traditional vs. Roth decision, why flexibility beats tax optimization, and the one rule that is genuinely non-negotiable no matter what else is going on in your financial life.   Takeaways: A 401k is not an investment - it is a tax-advantaged container. The investments you put inside it are an entirely separate decision.Your employer match is the only guaranteed 100% return available to anyone.If you are in your 30s building toward near-term goals - a home, a career change, a sabbatical - maxing your 401k might actually mean over-allocating to retirement at the expense of everything else.Most people who try to perfectly optimize the traditional vs. Roth decision end up with regrets about optionality.  Follow Priya Malani: LinkedIn | Instagram | Stash Wealth | YouTube The Stuff Our Lawyers Want Us to Say: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

  6. Jun 4

    Ep 73 | When Can You Actually Call Yourself Rich?

    In this episode, Priya asks the question most high earners don’t realize they are avoiding: are you actually wealthy, or have you built a very convincing appearance of it? Drawing on the timeless learnings in The Millionaire Next Door, she breaks down two types of high earners - prodigious accumulators of wealth and under-wealth accumulators - then runs the real math on what a completely normal lifestyle on $320K in New York City actually leaves behind to build with.  Takeaways: There is a version of success that looks like wealth, feels like wealth, and costs like wealth, but never actually becomes it.On a $320K salary in New York City, a normal lifestyle leaves roughly $25K a year to build with.Under-wealth accumulators don't feel broke - they just happen to be winning the wrong game. Follow Priya Malani: LinkedIn | Instagram | Stash Wealth | YouTube The Stuff Our Lawyers Want Us to Say: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

  7. May 28

    Ep 72 | Solid Income and Still Stressed About Money?

    In this episode, Priya names what she calls the "HENRY version of money silence" - the isolating experience of earning a high income and still feeling anxious, behind, or quietly out of control. Drawing from almost 12 years of client conversations, she breaks down the three specific ways silence shows up at high incomes. This episode is a permission slip to stop pretending - and a roadmap for what to do instead.   Takeaways: There's an unspoken rule that at mid-six-figure incomes, you're not allowed to feel stressed about money. 40% of Americans in relationships can't accurately tell you their partner's income. Clients earning $350-400K often have no clear picture of what their household spends each month - not because they're irresponsible, but because looking felt scarier than not looking.  Follow Priya Malani: LinkedIn | Instagram | Stash Wealth | YouTube The Stuff Our Lawyers Want Us to Say: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

  8. May 21

    Ep 71 | First Gen was Taught to Save. Not to Build Wealth.

    In this episode, Priya sits down with Gigi Gonzalez, financial educator and author of Cultura and Cash, to unpack why traditional money advice consistently misses the mark for first-generation professionals. The real issue is that first-gen wealth building comes loaded with inherited scarcity mindsets, cultural expectations around communal money, and family guilt that no mainstream personal finance book addresses. Listeners walk away with a concrete framework for building their own financial foundation without abandoning the people they love.   Takeaways: Traditional financial advice was designed for people with an existing safety net, not people building one from scratch.Scarcity mindset is inherited, not fixed. Recognizing where it came from is the first step to building past it.Sharing a promotion with family often means absorbing the financial consequences of their decisions.Building your own financial floor is not a betrayal of your culture. It's what makes sustainable generosity possible.Follow Priya Malani: LinkedIn | Instagram | Stash Wealth | YouTube Guest Bio: Giovanna "Gigi" Gonzalez is a Financial Educator, Influencer, and a 3x award-winning author. She teaches personal finance to First Gen professionals at various organizations. In 2025, she was honored as the Best Personal Finance Influencer for Racial Equity by Bankrate. Her book, Cultura & Cash, was also selected as a “must-read money book for women’s financial growth in 2026” by Forbes. She has been featured on dozens of publications including Nasdaq, CNBC Make It, and The Wall Street Journal. She is originally from California but currently resides in Spain. Guest Links: Instagram: @gigithefirstgenmentor https://www.instagram.com/gigithefirstgenmentor/ TikTok: @thefirstgenmentor https://www.tiktok.com/@thefirstgenmentor LinkedIn: https://www.linkedin.com/in/giovannagonzalez/ The Stuff Our Lawyers Want Us to Say: Stash Wealth is a Registered Investment Advisor. Content presented is for informational and educational purposes only and is not intended to make an offer or solicitation for any specific securities product, service, or strategy. Consult with a qualified investment adviser (that's us) before implementing any strategy. Investing involves risk, including the loss of principal. Past performance does not guarantee future results. There…we said it.

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The F. Word with Priya Malani is the lifestyle-centric money podcast for high-earning 30-somethings who want to take control of their cash—no finance degree required. Whether you’re financially free or still figuring it out, Priya’s got your back. In each episode, she cuts through the jargon & teaches you the financial truths no one else is talking about—so you can make smarter money moves, without the stress. Disclaimer: Stash Wealth is a Registered Investment Advisor. Content presented is for informational & educational purposes only. Investing involves risk, including the loss of principal.

Information

  • Creator
    Priya Malani
  • Years Active
    2025 - 2026
  • Episodes
    79
  • Rating
    Explicit
  • Copyright
    © Priya Malani
  • Show Website
    The F. Word

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