Business
Coin Flip
Financial decisions for people who hate financial decisions.
Episodes
The archive
19 episodes, newest first.
- HSA or FSA? The 2027 Numbers Just Changed the MathThe IRS already locked in 2027 HSA limits months before open enrollment even opens, while the FSA number everyone's quoting is still a guess. Derek Wu turns the gap into one simple filter for picking HDHP-plus-HSA or PPO-plus-FSA without a spreadsheet.
- You Picked a Plan. Now You're Stuck in the Queue.The SAVE exit deadline passed — but for borrowers who submitted RAP or IBR applications, the real fight is the backlog. Derek breaks down what's accruing while you wait, the 60-day rule nobody explained, and when it's time to escalate.
- The Fed's September 16 Verdict: Cut, Hold, or Something WeirderThe FOMC's September 15-16 meeting comes with a fresh dot plot and a new, less predictable Fed chair. Derek Wu unpacks why hike odds just jumped after Jackson Hole, what that means for CDs and high-yield savings, and how to decide without losing sleep over it.
- Your PSLF Count Just Dropped. Here's What To Do.The Education Department is clawing back Public Service Loan Forgiveness credit, and some borrowers watched years of progress vanish overnight. Derek Wu explains what's actually happening and the exact steps to protect your count.
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- September 29 Is Real: What Happens If You Do NothingThe first wave of SAVE borrowers hits a hard 90-day deadline on September 29, and Derek Wu walks through exactly what the day after looks like if you never pick a plan, plus the court ruling that could still land first.
- The Other September Deadline: The 1% Autopay Discount Nobody Told You AboutDerek Wu explains the lesser-known September 30 autopay deadline sitting right behind the September 29 SAVE exit date, what the extra 0.75% is actually worth, and when refinancing beats it outright.
- Your SAVE Exit Clock Is Ticking: The September 29 Deadline ExplainedThe first SAVE borrowers got their 90-day notices on July 1, which makes September 29 a hard date. Derek Wu walks through how to find your personal deadline, what happens if you ignore it, and how to pick between RAP and IBR without overthinking it.
- The Fed's Coin Flip Just Got Real: Your July 29 Action PlanDerek Wu breaks down why the July 29 Fed decision is actually uncertain this year, not just theater, and gives you the one savings and CD move that works no matter which way it goes.
- The Fed Meets July 29: Your Savings Checklist Before the DecisionDerek Wu breaks down what the July 28-29 FOMC meeting could mean for your high-yield savings account and CDs, plus the one emergency fund move that wins no matter what the Fed decides.
- RAP Is Live: The One Move 7.5 Million SAVE Borrowers Need to Make This WeekJuly 1 just dropped a 90-day countdown on 7.5 million SAVE borrowers. Derek Wu cuts through the noise on the RAP vs. IBR decision, explains the forgiveness-progress trap hiding in plain sight, and gives you a clear framework for picking your plan and moving on.
Talent
Talents in this show
Each one has a profile of their own.
About
What the show is
We break down the choices that actually matter - and help you stop overthinking the rest. Hosted by financial planner Derek Wu, each episode cuts through the noise to give you clear, practical takes on money moves without the jargon or judgment.
On the charts
Number 82 in Investing
Apple Podcasts placements, from a cached snapshot taken 16 Sept 2026.
Ranking data provided by the Mato Topic Intelligence Platform.
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