Business
Coin Flip
Financial decisions for people who hate financial decisions.
Episodes
The archive
19 episodes, newest first.
- 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.
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- Pay Down Debt or Invest? The Math on $1.28 Trillion Worth of Bad TimingAmerican credit card debt just hit a record $1.28 trillion at 21% average APR, and Derek Wu builds a simple, no-spreadsheet decision rule for figuring out whether paying down your card balance or putting money to work in the market is the smarter call for your specific situation right now.
- Rent vs. Buy in 2026: Stop Asking the Wrong QuestionThe spring housing market is loud with rent-vs-buy debate, but most people are solving for the wrong thing. Derek Wu reframes the decision around three numbers that actually matter for your situation.
- You Filed Your Taxes. Now Update This One Form Before You Forget.Tax season just ended, but the smartest money move right now has nothing to do with your refund. Derek Wu explains why millions of Americans are already over- or under-withholding in 2026, and exactly how to fix it in about 15 minutes.
- The SAVE Plan Is Dead. Here Is Your 90-Day Playbook.Over 7.5 million borrowers just got notices that their student loan repayment plan is gone. Derek Wu walks through exactly what to do next, in plain language with no law degree required.
- Your Tax Refund Is Bigger This Year. Here's Exactly What to Do With It.Refunds are up 10.6% in 2026, averaging around $3,700 thanks to the One Big Beautiful Bill. Derek Wu runs through a simple, judgment-free framework for deciding what to do with yours before the money quietly disappears.
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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