Common Cent$ Pod

About Common Cent$ Pod

A millennial & Gen Z–driven financial conversation platform that dives into the real-life journey of building wealth in today’s world. We’re here to empower financial literacy, giving young people, especially across African and diaspora communities, the tools and mindset to take control of their money. Each episode demystifies money and investing, breaking down stocks, charting, options, and business strategies in a way that’s clear, practical, and culturally relevant. Because making, keeping, and growing money should make sense and cents

Publisher

Common Cents

Category

business

Language

en

Explicit

No

First episode

27 Oct 2025

Latest episode

26 Oct 2026

Latest episodes

23 episodes in the feed.

1. 

   26 Oct 2026

   What's Your Net Worth? | Episode 022

   Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth - from the perspective of first-generation adults trying to figure it out just like you.Your net worth is the report card for your financial life, and most people have never actually worked theirs out. In this episode Umar and Dami break down what it really is - everything you own minus everything you owe - and get specific about what counts and what does not. Cash, brokerage and retirement accounts, home equity rather than home value, vehicles, jewelry, and one asset most people overlook entirely. Then the things that feel like assets but are not: your salary, your credit limit, and an inheritance you have been promised but do not hold. They walk through a worked example from both sides, so you can follow along and land on your own number in about five minutes.From there it gets uncomfortable in a useful way. The Fed just released its latest Survey of Consumer Finances, and the numbers are worth sitting with: a median family net worth of 250,000 dollars against a mean of 1.2 million, and a breakdown by age showing the under-35 group went backwards by 23 percent while the 75-plus group jumped 38 percent. Umar and Dami work through why - housing becoming unreachable, money going into depreciating vehicles, and too few people holding financial assets - and they do not skip the harder part of the data, which is what it shows about net worth by race and what their own community can do about it. They cover Fidelity's retirement benchmarks by age, the four levers for actually growing your number, the misconceptions that keep people from starting, two Is It Making Cent$ scenarios, and the economic events: last week's chip and AI sell-off, CoreWeave and the AI debt question, the FOMC meeting ahead, earnings season, Robinhood's extended trading hours, and Tesla's levitating Roadster.Listen. Learn. Build. Let's make our money make sense… and cent$.

2. 

   13 Oct 2026

   Psychology of an Investor | Episode 021

   Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth - from the perspective of first-generation adults trying to figure it out just like you.Nearing the one year mark of Common Cent$, and Umar and Dami spend it on the part of investing nobody teaches: your own head. The market is sitting near all-time highs while the economy sends mixed signals - weak job reports, high prices, rates moving - and how you handle that gap has more to do with psychology than strategy. They open by naming the biases they each had to break, from the action bias that makes you feel you must do something on every pullback, to adding to losers out of sunk cost, to FOMO from the GameStop era, to loss aversion that makes a loss hurt twice as much as the same-sized win.From there they define what investor psychology actually is, and draw a hard line between an investor and someone who just owns stocks - the difference being a thesis, a timeline, and a repeatable process. They lay out the four pillars of the mindset: a long term horizon, judging your process instead of the outcome, separating your identity from your positions, and thinking in probabilities rather than certainties. Then the practical part: write your thesis down, set your rules while the market is closed and you are calm, review your trades like game tape, start before you feel ready, study history instead of headlines, and build a community around you. They also get honest about the first-gen inheritance in all of this - the scarcity mindset and the distrust of institutions that come from watching parents navigate unstable economies. Plus the mistakes to avoid, two Is It Making Cent$ scenarios, and the economic events: a 29,000 jobs print against 90,000 expected and why the market rallied on it, Bitcoin near 90K, mortgage rates at 7 percent, earnings season, and the AI summit.Listen. Learn. Build. Let's make our money make sense… and cent$.

3. 

   23 Sept 2026

   Money Moves to Make in Q4 | Episode 020

   Welcome back to Common Cent$, where two Nigerian-American millennials break down money, culture, and building wealth - from the perspective of first-generation adults trying to figure it out just like you.There are about 15 weeks left in the year and only a handful of paychecks to work with, and most of the moves that decide how your year ends have hard deadlines attached. In this episode Umar and Dami walk through exactly what to do before December 31. They start with what history actually says about Q4 - why September is the worst month in the S&P 500, why October is called the bear killer, why November and December are the strongest months on record, what the Santa Claus rally signals about the year ahead, and how the midterm year cycle changes the picture.Then the practical part. They break down the retirement deadlines that catch people out: 401k contribution limits and why leaving your employer match on the table is turning down free money, the combined IRA limit and the 6 percent penalty for going over, and the one deadline that is not December 31. On the brokerage side they cover tax loss harvesting and the three thousand dollars the IRS lets you claim, the wash sale rule that quietly nullifies it, rebalancing when one position has run away from you, capital gains timing, and why long term gains are taxed at roughly half the short term rate. They also get into whether now is even a good time to buy with the S&P within two percent of all time highs, the mistakes to avoid - treating seasonality as a guarantee, procrastinating into late December, spending a bonus you have not received, panic selling on red days - and two Is It Making Cent$ scenarios on year-end housekeeping and open enrollment. Plus the economic events: the Dangote refinery IPO, the claim that AI could kill us all, the proposed 5,000 dollar dividend checks, Apple's 2,000 dollar foldable, mortgage rates at 7 percent, and Uber pulling out of Nigeria.Listen. Learn. Build. Let's make our money make sense… and cent$.

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Spotify

5.0 / 5

1 ratings

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Guest appearances

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Based on episode analysis; this does not confirm that the show is currently accepting guests.