From Reddit money threads to Wall Street creators, this episode breaks down the real side of personal finance.

Justin and Grace unpack the creator money game, what actually matters when building wealth, and why increasing your income beats budgeting every time.

Inside:
💸 Why “saving $3 a day” advice doesn’t work for creators
📈 How to actually increase your income (before worrying about taxes)
🤖 The Reddit flowchart thats better than most financial advisors
🚨 Why YouTube finance advice can be a red flag

Timestamps:
00:00 – When parents start charging rent
05:30 – The struggle of money management as a creator vs. employee
14:00 – Finance YouTubers and the clickbait dilemma
18:30 – Why Reddit might be the most honest finance platform
22:00 – The real truth about financial advisors & commissions
27:40 – Save vs. earn: what actually matters first
33:00 – FIRE, FAT FIRE & the rise of creator early retirement goals
39:00 – Vivian Tu’s rise and what creators can learn from her branding
46:00 – The game of perception, headlines & making people care
52:00 – Final thoughts: pay more taxes → make more money

🎙️ Hosted by Grace Ling & Justin Nguyen
📍 How Creators Make Money — the podcast where we unpack the real strategies behind today’s smartest creators.