Straight Up Wealth

Zeja

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. 1d ago

    Anthropic IPO Explained: What You Need to Know Before Buying

    Anthropic, the company behind Claude, just filed to go public on the Nasdaq under the ticker ANT, with a reported valuation of $1.5 to $2 trillion. In this episode, we break down what's actually inside the S-1: revenue growth of roughly 14 times in a year, the $80 billion loss that's mostly an accounting charge, the massive compute bill behind the business, and the share structure that keeps control with the founders and a trust. This video is for anyone wondering whether to buy the Anthropic IPO, or just trying to understand what the headlines really mean. No hype, no fluff: just the numbers, the risks, who actually profits from an IPO, and how to decide what makes sense for your own financial plan. 0:00 The Anthropic IPO 1:37 How Anthropic Makes Money 2:12 Inside the S-1 Numbers 4:03 The $80 Billion Loss Explained 5:45 What You're Actually Paying For 7:07 Who Controls Anthropic 8:38 Who Profits 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. Oct 27

    Stock Splits Explained: Does a Split Make You Richer?

    A company announces a stock split, the headlines get excited, and the stock moves. But does a split actually make you any richer? In this episode of Straight Up Wealth, we break down exactly what a stock split is, what happens to your shares, your dividends and earnings per share, and why companies like Nvidia split their stock in the first place. We also cover reverse stock splits, why they are usually a warning sign, and the mistake investors keep making: confusing a lower share price with a cheaper stock. Whether you are new to investing or just want to understand the headlines, this is stock splits with no fluff. 0:00 What Is a Stock Split 1:05 What Happens to Dividends 1:35 Why Companies Split Their Stock 3:59 Does a Split Make You Richer 4:51 How Splits Move the Market 5:51 Reverse Stock Splits 7:18 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. Oct 20

    Timeshares Explained: Are They Ever Worth It?

    A timeshare gets sold as owning your vacation, but what you are really doing is prepaying for years of trips while signing up for fees that rise every year. In this episode, we break down how timeshares work, the difference between fixed week, floating week and points based programs, and what you actually own under deeded and right to use structures. Then we get into the real numbers: average purchase prices, maintenance fees, special assessments, and how one of the biggest developers charges buyers double digit interest while selling those loans to investors at a fraction of the rate. This video is for anyone who has been invited to a timeshare presentation, is thinking about buying one, or just wants to understand why resale values collapse. We also cover who might still reasonably buy a timeshare and the high pressure sales tactics to watch for, so you can walk into any pitch knowing exactly what is going on. 0:00 What a Timeshare Actually Is 1:23 Fixed Week, Floating Week and Points 3:08 What You Actually Own 3:51 The Pitch vs Reality 4:40 The Real Cost and the Financing Trap 6:23 Resale Value and Who Still Buys 8:03 Sales Tactics 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.

  4. Oct 13

    Debt Snowball vs Debt Avalanche Explained (Which Is Better?)

    Paying off debt without a plan is how people stay stuck for years. In this episode of Straight Up Wealth, we break down the two most popular debt payoff strategies, the snowball method and the avalanche method, and walk through a real example with three debts to show exactly how much time and interest each one costs. This video is for anyone carrying credit card balances, personal loans, lines of credit, or student debt who wants a clear, no fluff way to decide which debt to attack first. You'll see why the avalanche saves more money, why the snowball keeps more people motivated, and the one trap that derails progress no matter which method you choose. 0:00 Why Your Debt Needs a Strategy 1:47 The Snowball Method 3:08 The Avalanche Method 3:52 Real Example: Snowball vs Avalanche 5:23 Quick Wins vs Interest Savings 6:13 The Psychology of Paying Off Debt 7:10 Which Method Should You Choose 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. Oct 6

    Calls and Puts Explained: Options Trading for Beginners

    Options trading is booming, with US options volume hitting a record 15.2 billion contracts in 2025, and social media is full of people promising small money and massive upside. In this episode of Straight Up Wealth, we break down what options actually are: calls, puts, strike prices, premiums and expiration dates, walked through with real dollar examples showing how a $300 bet can return 400% or go straight to zero. This one is for anyone who has seen options trading hyped online and wants to understand what they would actually be getting into. We cover how buyers and sellers differ, what in the money and out of the money mean, how puts can be used as portfolio insurance, and why the research shows retail options traders lose money on average. Pure education, no hype. 0:00 What Options Are 0:36 Strike Price, Expiration and Premium 1:55 How Call Options Work 4:45 How Put Options Work 7:23 Buyers, Sellers and In the Money 8:34 Using Puts as Insurance 9:39 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.

  6. Sep 29

    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.

  7. 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.

  8. 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.

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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
    33
  • Rating
    Clean
  • Copyright
    © Zeja
  • Show Website
    Straight Up Wealth