Business
Coin Flip
Financial decisions for people who hate financial decisions.
Episodes
The archive
25 episodes, newest first.
- 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.
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- 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.
- Your Student Loan Just Got Harder. Here's the One Decision That Actually Matters.July 1 is here, SAVE is dead, and 7.5 million borrowers are about to get notices in the mail. Derek Wu cuts through the noise on the new RAP and Tiered Standard plans, the PSLF trap hiding in the auto-enrollment fine print, and what to do right now if studentaid.gov isn't showing you the right options.
- The Fed Held. So What Does That Mean for Your Savings?The FOMC held rates at 3.50-3.75% on June 17, and a new Fed chair is now running the show. Derek Wu breaks down what the higher-for-longer holding pattern actually means for your high-yield savings account and whether locking into a CD right now is the smarter call.
- Your Cash Is Earning 4% Right Now. That Changes June 17.The Fed meets June 16-17 and a hold is almost certain, but the bigger story is what comes next for your high-yield savings account. Derek Wu breaks down what the current rate environment means for your emergency fund and whether locking into a CD before any future cut actually makes sense.
- Your Student Loan Clock Starts July 1. Here's Exactly What to Do Before It Does.More than 7.5 million borrowers still in the defunct SAVE Plan have a hard deadline coming, and most don't know it yet. Derek Wu breaks down the July 1 notice trigger, the two new plans replacing SAVE, and a three-question framework for making the right call before your 90-day window closes.
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.
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