Simple Finance Bytes

Ernest
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Simple Finance Bytes: Personal Finance Made Simple Transform your money with simple finance strategies that work. Host Ernest breaks down personal finance into actionable tips for financial freedom & financial independence. Weekly episodes cover: debt elimination, banking optimization, expense cutting, wealth building & investment basics. No jargon—just practical advice. Perfect for beginners seeking financial independence. New episodes bi-weekly. 🌐 simplefinancebytes.com #personalfinance #simplefinance #financialfreedom

  1. Save Money Holiday Shopping this Black Friday | Ep 14

    11/13/2025

    Save Money Holiday Shopping this Black Friday | Ep 14

    Want to save money on holiday shopping this Black Friday? Most 'deals' are just prices returning to normal—so don’t get tricked! This episode reveals the real system to save hundreds. Discover how to use price tracking tools, make a smart wishlist, and stack cashback and coupons for genuine savings. Ernest explains how to avoid debt, attack retailer psychology, and get the best prices on the gifts you actually need. Links & Resources: Blog: https://simplefinancebytes.com Newsletter: https://simplefinancebytes.com/newsletter Coaching: https://simplefinancebytes.com/simple-finance-coaching CamelCamelCamel price tracker: https://camelcamelcamel.com Amazon Renewed: https://www.amazon.com/renewed Cashback: https://rakuten.com Contact & Social: Email: info@simplefinancebytes.com Instagram: https://www.instagram.com/simplefinancebytes Threads: https://www.threads.com/@simplefinancebytes Facebook: https://www.facebook.com/profile.php?id=61554872466173# Disclaimer: Not financial advice, for education only. Affiliate links may generate revenue. Only buy what you can afford with cash. #save #money #holiday #shopping #blackfriday #personalfinance #moneysaving #frugalliving #debtfree #financialindependence #savingmoney #saving #savemoney

    45 min
  2. Government Shutdown: Why Your Foundation Matters | Simple Finance Bytes

    10/29/2025

    Government Shutdown: Why Your Foundation Matters | Simple Finance Bytes

    The government just shut down. If your paycheck stopped today, how many months could you survive? This is exactly why simple financial foundations matter more than complex optimization.🎯 What You'll Discover: Why government shutdown validates emergency fund strategy (Module 3 in action) What NOT to do when income stops unexpectedly (avoid panic decisions) How prepaid lifestyle eliminates payment obligations during crisis Why simple systems absorb shocks that break complex ones LINKS: YouTube: ⁠https://youtube.com/playlist?list=PLRY4QdmdBMlPPUU4tWjvcqsxY50iTT_o3&si=v4CAKt1vnB3ettu0⁠ Apple: ⁠https://podcasts.apple.com/us/podcast/simple-finance-bytes/id1827602893⁠ Spotify: ⁠https://open.spotify.com/show/2yYzeU1fYiEl2PVWaGcVxX⁠ Blueprint: ⁠https://simplefinancebytes.com/the-simple-finance-system-sfs/ ⁠Newsletter: ⁠https://simplefinancebytes.com/newsletter/⁠ Coaching: ⁠https://simplefinancebytes.com/simple-finance-coaching/⁠ Standard Disclaimer: This content is for educational purposes only and should not be considered financial advice. Consult with a qualified financial professional before making financial decisions. #personalfinance #governmentshutdown #emergencyfund #financialfoundation #moneytips

    17 min
  3. Building Wealth: Keep It Simple, Keep It Growing

    10/01/2025

    Building Wealth: Keep It Simple, Keep It Growing

    Most people think wealth building requires complex strategies. Simple systems that you actually stick to beat perfect plans you abandon. In this episode, we explore simple wealth building from a practical perspective - what actually works for regular people. You'll discover why complex wealth plans fail, what simple wealth building looks like in practice, how to calculate your wealth building number, and the automation systems that make it effortless. This starts our Module 7 series on wealth building strategy through simple systems that work with human behavior. Simple Finance Bytes - Simple Systems That Actually Work SUBSCRIBE & LISTEN: YouTube: https://youtube.com/playlist?list=PLRY4QdmdBMlPPUU4tWjvcqsxY50iTT_o3&si=v4CAKt1vnB3ettu0 Apple Podcasts: https://podcasts.apple.com/us/podcast/simple-finance-bytes/id1827602893 GET THE FREE SIMPLE FINANCE SYSTEM: Complete Blueprint: https://simplefinancebytes.com/the-simple-finance-system-sfs/ Monthly Newsletter: https://simplefinancebytes.com/newsletter/ FOLLOW FOR MORE SIMPLE FINANCE TIPS: Website: https://simplefinancebytes.com/ Instagram: https://www.instagram.com/simplefinancebytes/ Threads: https://www.threads.com/@simplefinancebytes Facebook: https://www.facebook.com/profile.php?id=61554872466173 NEED HELP WITH YOUR SIMPLE FINANCE JOURNEY? 1:1 Coaching: https://simplefinancebytes.com/simple-finance-coaching/ Contact: info@simplefinancebytes.com If you found this episode valuable, subscribe and leave a review. Share it with someone who needs to hear this. Your support helps us reach more people with simple finance strategies that actually work. Our Promise: Simple systems beat complex optimization every time. We focus on approaches that work with human behavior, not against it. This is educational content, not personalized financial advice. Important Disclaimer: The information provided in this content is for educational purposes only and should not be considered financial advice. We are financial educators and coaches, not licensed financial advisors. Before making any financial decisions, please consult with a Certified Financial Advisor (CFA) or other qualified financial professional who can assess your individual situation. #personalfinance #buildingwealth #investing #automation #wealthbuilding #moneytips #financialplanning #smartmoney

    28 min
  4. What does the Fed rate cut mean for your Money?

    09/24/2025

    What does the Fed rate cut mean for your Money?

    The Fed just cut rates in September 2025, and people are asking what this means for their financial strategy. Here's why your simple system works better than reactive decisions. 🎯 What You'll Discover: Why rate changes don't require strategy overhauls (simple finance approach) What actually changes vs what stays the same in your Simple Finance System How to think about HYSAs, mortgages, and investments when rates shift The long-term advantage of simple systems over rate timing strategies 📧 Join our monthly newsletter for simple finance tips that don't make it into the podcast plus your free Simple Finance System Blueprint: https://simplefinancebytes.com/newsletter 💰 1:1 Coaching: https://simplefinancebytes.com/simple-finance-coaching/ 🔗 Connect with us on Instagram, Threads, and Facebook Standard Disclaimer: Important Disclaimer: The information provided in this content is for educational purposes only and should not be considered financial advice. We are financial educators and coaches, not licensed financial advisors. Before making any financial decisions, please consult with a Certified Financial Advisor (CFA) or other qualified financial professional who can assess your individual situation. #personalfinance #interestrates #federalreserve #investing #HYSA #mortgages #moneytips #financialplanning

    18 min
  5. Episode 10: How to keep your money safe.

    09/17/2025

    Episode 10: How to keep your money safe.

    In this episode of Simple Finance Bytes, we start Module 6 of the Simple Finance System and challenge the fear-based approach to financial security. Learn how smart protection accelerates your path to financial independence instead of delaying it. 🎯 What You'll Discover: Why security paralysis delays your wealth building more than actual threatsThe 3 security measures that protect 90% of your wealth-building progress • How unnecessary insurance spending can cost you $100K+ in compound growthMy simple protection framework that empowers your FI journey 📧 Join our monthly newsletter for deeper psychology insights plus your free Simple Finance System Blueprint: https://simplefinancebytes.com/newsletter 💰 Financial Protection Coaching: https://simplefinancebytes.com/coaching 🔗 Connect with us on Instagram, Threads, and FacebookImportant Disclaimer: The information provided in this content is for educational purposes only and should not be considered financial advice. We are financial educators and coaches, not licensed financial advisors. Before making any financial decisions, please consult with a Certified Financial Advisor (CFA) or other qualified financial professional who can assess your individual situation. #personalfinance #financialindependence #cybersecurity #fire #financialprotection #insurance #wealthbuilding #moneytips

    25 min
  6. From Financial Uncertainty to Financial Confidence with Prisca Benson

    09/10/2025

    From Financial Uncertainty to Financial Confidence with Prisca Benson

    "I wasn't taught about money" doesn't have to be your permanent financial story. Learn from nurse Prisca Benson who built $240K in investments over 5 years despite starting with significant money mistakes. What you'll discover: Psychology behind the "never taught" financial barrier How immigrant parents' work ethic can coexist with financial uncertainty The 3-step framework for building wealth from any starting point Why healthcare professionals face unique financial challenges Simple systems that work with human psychology, not against it Perfect for anyone who feels behind financially due to lack of early education, healthcare workers balancing helping others with helping themselves, or anyone ready to start their financial education at any age. Guest: Prisca Benson, RN & Money Coach Prisca's Instagram: @ourgreenlifenj Prisca's: 3 Simple Steps to Financial Freedom Guide Resources: https://simplefinancebytes.com/ #PersonalFinance #FinancialLiteracy #MoneyMindset #FinancialFreedom #NurseLife #WealthBuilding #FinancialConfidence

    50 min
  7. Are you paying too much for your cell phone plan?

    09/03/2025

    Are you paying too much for your cell phone plan?

    In this MVNO deep dive, we explain everything you need to know about switching carriers so that you can improve your personal finance by paying less for your mobile phone service and saving money!Paying $80+ monthly for cell phone service? Learn how MVNOs use the same networks as major carriers for 50-70% less. Complete switching guide that takes 30 minutes but saves $600+ annually.🎯 What you'll learn: Why MVNOs offer identical service for half the price The psychology behind carrier loyalty (and how it costs you thousands) Step-by-step 30-minute switching process that eliminates anxiety Specific MVNO recommendations by network and usage pattern Advanced optimization strategies for maximum savings📱 Recommended MVNOs: US Mobile (ALL networks) - flexible family plans Red Pocket Mobile (ALL networks) - low data plans for $100 per yearVisible (Verizon network) - $30 unlimited Mint Mobile (T-Mobile network) - $15-25 with annual plans Cricket (AT&T network) - AT&T's prepaid brand Google Fi (T-Mobile network) - best for international travel📧 Free monthly newsletter: https://simplefinancebytes.com/newsletter/💼 Complete expense optimization coaching: https://simplefinancebytes.com/simple-finance-coaching/#personalfinance #moneytips #cellphone #mvno #financialplanning #budgeting #simplefinance #smartmoney #expenseoptimization

    29 min
  8. How to cancel subscription services that are costing you money.

    08/27/2025

    How to cancel subscription services that are costing you money.

    Most people underestimate their subscription spending by $200 monthly. Learn the psychology behind why recurring payments feel "invisible" and how to systematically audit every subscription draining your wealth. What you'll discover: • Why subscription companies design their model to be forgettable • The systematic approach to find hidden recurring charges • Psychology-first decision framework for what to cancel • How to prevent subscription creep from happening again • Real math on how subscription spending destroys long-term wealth Perfect for anyone who suspects their subscription spending is higher than they think, or who wants to redirect money from consumption toward wealth building. Resources: simplefinancebytes.com Next episode: Phone plan optimization and MVNOs #personalfinance #subscriptions #moneytips #simplefinance #budgeting #expenseoptimization

    38 min
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About

Simple Finance Bytes: Personal Finance Made Simple Transform your money with simple finance strategies that work. Host Ernest breaks down personal finance into actionable tips for financial freedom & financial independence. Weekly episodes cover: debt elimination, banking optimization, expense cutting, wealth building & investment basics. No jargon—just practical advice. Perfect for beginners seeking financial independence. New episodes bi-weekly. 🌐 simplefinancebytes.com #personalfinance #simplefinance #financialfreedom

Information

  • Creator
    Ernest
  • Years Active
    2K
  • Episodes
    14
  • Rating
    Clean
  • Copyright
    © Ernest
  • Show Website
    Simple Finance Bytes