- 19
- Episodes
- 25
- Ratings
- Bi-weekly
- Cadence
- 2025
- First episode
About What No One Taught Us
No more ‘fake it till you make it’- WNOTU is here to teach you the money lessons we missed somewhere between algebra and adulthood. We’re ditching confusion and building real confidence, one simple step at a time.
- Publisher
- Casey Bettencourt, CFP®
- Category
- business
- Language
- en
- Explicit
- No
- First episode
- 15 Oct 2025
- Latest episode
- 23 Oct 2026
Latest episodes
19 episodes in the feed.
23 Oct 2026
Mini Money Lesson: What Does it Mean When the Fed 'Raises Rates'?
What does it actually mean when the Federal Reserve raises or cuts interest rates, and why does everyone seem to care so much? Whether you're trying to make sense of financial headlines or just want to better understand what's happening with the economy, this Mini Money Lesson will help you connect the dots.
9 Oct 2026
5 Money Moves to Make Before 30
You’re NOT behind. Your 20s come with one financial advantage you can’t buy more of later: time. In this episode, we’re talking about five money moves you can make now to put that time to work, build better habits, and give future you a lot more options.
18 Sept 2026
Money in Your 20s: Q&A
You asked, I answered! In this Q&A episode, we’re talking about the money questions that actually come up in your 20s and 30s. From affording vacations without feeling guilty and managing money as a couple to 401(k)s, Roth vs. Traditional contributions, rebalancing your investments, and even backdoor Roths.
21 Aug 2026
The Smart Girl's Guide to Raises and Bonuses
You got a raise or bonus, but now what? Before the extra money disappears into your everyday spending, it’s time for a little responsible girl math. In this episode, we’re talking about lifestyle creep, the 50% raise rule, and how to balance enjoying your money today with using it to build your future.
7 Aug 2026
Group Life Insurance: The Benefit You Hope You Never Need
In this episode, you'll learn how employer life insurance works, when your coverage is enough, when you may need more, and the mistakes you don't want to make with your policy. A few minutes now could save your loved ones a lot of stress later.
24 Jul 2026
Stock Options, RSUs, and ESPPs...Huh?
Got stock options, RSUs, or an ESPP? Before you make a decision that could cost you thousands in taxes, listen to this episode. We'll break down how each type of equity compensation works, what you actually own, and what to think about before you sell.Follow along on Instagram @whatnoonetaughtus for more simple, practical personal finance tips.
10 Jul 2026
What to Do With Your 401(k) When You Leave Your Job
Switched jobs? Your 401(k) has a decision to make. In this episode, we cover exactly what happens to your retirement account when you leave an employer, the pros and cons of each option, and how to complete a rollover without triggering unnecessary taxes or penalties. If you've ever wondered whether to leave it, move it, roll it over, or cash it out (please don't!), this episode is for you.
26 Jun 2026
The Journey From College Graduate to Homeowner w/ Elaine Do
In my first-ever guest episode, I'm joined by one of my best friends, Elaine Do, to talk about her journey from uncertain college graduate to first-time homeowner before the age of 25. We dive into the mindset shift that transformed her relationship with money, how she intentionally saved for a home while still enjoying life in her 20s, and what the homebuying process actually looked like from start to finish. Whether you're dreaming of buying a home someday or simply looking to build confidence with your finances, this conversation is full of practical advice and oh-so-many inspiring tid bits.
12 Jun 2026
HSA's: The Best Kept Secret
Health Savings Accounts (HSAs) might be the most underrated financial tool available, and in this episode, I'm explaining exactly why. If you've ever thought of an HSA as just a way to pay for doctor visits, think again. I'm breaking down what an HSA is, who qualifies, and why financial planners often call it the only account with a true "triple tax advantage." We'll cover: How HSAs can lower your taxes today Why the money grows tax-free The little-known reimbursement strategy that can turn your HSA into a powerful retirement tool The difference between using your HSA for current medical expenses versus long-term investing How I personally use my HSA and why it's become a key part of my financial plan Whether you're enrolled in a high-deductible health plan already or just exploring your benefits options, this episode will help you understand why an HSA may be one of the smartest accounts you can add to your financial toolkit. Follow along on Instagram @whatnoonetaughtus for more personal finance education and behind-the-scenes content.
29 May 2026
Open Enrollment Panic: Picking the Right Health Plan
Open enrollment season is approaching, and somehow health insurance terms still sound like they were designed to confuse us on purpose. Don't panic!! In this episode, we’re breaking down how to actually choose the right health insurance plan in plain English. We cover deductibles, copays, HMOs vs. PPOs, high-deductible health plans, HSAs, and how to think through what plan actually makes sense for your life and budget. Whether you’re picking benefits for the first time, getting off your parents’ insurance soon, or just tired of choosing a plan at random every year, this episode will help you feel way more confident heading into open enrollment.
15 May 2026
The 401(k) Playbook
On this episode of WNOTU we’re breaking down your 401(k), because “just contribute to it” is not enough information. We break down: how employer matching actually works how much you should be contributing Roth vs. pre-tax contributions and how to choose investments without feeling overwhelmed If you’ve ever opened your 401(k) portal and immediately wanted to close the tab… this episode is for you. The information in this podcast is for educational and entertainment purposes only and is not intended as financial advice. I’m a Certified Financial Planner™, but I’m not your planner- so please consult a professional who knows yourunique situation before making any financial decisions. Past performance is not indicative of future results. Viewsexpressed are my own and do not reflect the views of Bethesda Financial Advisors, LLC.
13 Feb 2026
Credit Cards: How to Use Them WISELY
Credit cards get a bad reputation, but when used intentionally, they can be one of the most powerful financial tools in your wallet. In this episode, we’re talking about why credit cards matter, how they help you build credit, protect your purchases, and unlock valuable perks like cash back and travel rewards. We’ll break down the real benefits, the real risks, clear up common misconceptions, and talk about how to use credit cards confidently and responsibly. Whether you’re new to credit or looking to better understand how it fits into yourfinancial life, there is something here for everyone. Resources to explore: Looking for a deeper dive into credit card rewards and points strategies? Check out Frequent Miler (https://frequentmiler.com/) or ThePoints Guy (https://thepointsguy.com/credit-cards/cash-back/?aid=0b3e2739&tid=de345fc70ace4eeea4f5228511911561&propertyid=50279) Best Cash Back Credit Cards (https://thepointsguy.com/credit-cards/cash-back/?aid=0b3e2739&tid=de345fc70ace4eeea4f5228511911561&propertyid=50279) Best Travel Credit Cards (https://thepointsguy.com/credit-cards/travel/?aid=0b3e2739&tid=b0bd5324bfea4d7095dffa2eeaf5a714&propertyid=50279) Source citation (U.S. Credit Card Debt Data): According to the Federal Reserve Bank of New York’s Quarterly Report on Household Debt and Credit, total outstanding **U.S. credit card balances reached about $1.23 trillion in the third quarter of 2025.
21 Jan 2026
Saving When You Don't Make Bank
Saving money can feel impossible when you’re not making a huge salary, especially with rising costs and everyday expenses. In this episode, we talk about how to save when money feels tight, why traditional budgeting rules don’t always fit real life, and how to build better habits without guilt or perfection. We cover practical strategies like tracking your spending, paying yourself first, adapting the 50/30/20 rule, managing debt, and finding small ways to create breathing room, even if saving 20% feels out of reach. This episode is all about realistic expectations, progress over perfection, and building a system that works for you. If you’re trying to save, live your life, and not feel behind all at once, this one’s for you. SOURCES The Economic Policy Institute (EPI) Family Budget Calculator provides detailed estimates of what it actually costs to live modestly in U.S. metro areas. EPI Family Budget Calculator Overview & Documentation (https://www.epi.org/resources/budget/?utm_source=chatgpt.com) Independent analyses using data inspired by EPI estimate that a single adult in the U.S. might need roughly ~$106,000-$107,000 per year before taxes to livecomfortably by the 50-30-20 standard. Study: Income Needed to Live Comfortably in Every U.S. City(2025) (https://www.kksa-am.com/2025/12/01/how-much-do-you-need-to-earn-to-live-comfortably-in-every-u-s-city-2025-data-study/?utm_source=chatgpt.com) The U.S. Bureau of Labor Statistics (BLS) reports median weekly earnings — which can be multiplied by 52 to estimate annual wages. For example, the median weekly earning for full-time workers was roughly $1,159 in recent data. BLSMedian Weekly Earnings of Full‑Time Workers (2024) (https://www.bls.gov/cps/cpsaat39.htm?utm_source=chatgpt.com) Historical rental data show that U.S. median rents have risen sharply from 2015 to 2025, with estimates of around a 54% increase over that period — meaning average rent costs are up well over half from ten years ago. Rent Inflation & U.S. Median Rent Data (2015–2025) (https://innago.com/investing-is-rent-outpacing-inflation/?utm_source=chatgpt.com)
2 Jan 2026
Planning with Purpose: Setting Your 2026 Financial Goals
In this episode, I’m tapping into my inner yoga instructorto bring you a conversation focused on setting a clear intention for the year ahead and breaking down how to turn that intention into financial goals that feel realistic, flexible, and aligned with your life. We’ll talk through what makes a good financial goal, the steps to take toward achieving it, and practical tips for staying consistent through the inevitable ups and downs of the year. Whether you’re focusing on saving, investing, paying down debt, or simply building more confidence around your finances, this episode will help you head into 2026 with clarity, intention, and a plan you can actually stick with.
19 Dec 2025
Investing 101
Now that we’ve covered the building blocks of investing, it’s time to put everything together. In this episode, we take all of those pieces and turn them into a simple, practical investing framework you can actually use. We talk about why we invest in the first place, what to get in place before you start, why trying to time the market does not work, and what does. I also introduce my Confidence Ladder, a beginner-friendly way to think about building a portfoliothat matches your comfort level, whether you want investing to be totally hands-off or a little more involved. This episode is perfect if you are just getting started or if you want investing to feel clearer, calmer, and more doable. No hype, no fear, just solid principles you can build on.
6 Dec 2025
Stocks, ETFs, and Mutual Funds... Explained Simply
In today’s episode of the WNOTU podcast, we’re breaking down the three core building blocks of investing: stocks, ETFs, and mutual funds. We’ll walk through: What the stock market actually is What it means to own a stock, and the difference between growth, value, and dividend companies How ETFs and mutual funds give you instant diversification The pros, cons, and key differences among all three investment vehicles By the end, you’ll have built a basic investing vocabulary, so you’re ready for our next episode, Investing 101! The information in this podcast is for educational and entertainment purposes only and is not intended as financial advice. I’m a Certified Financial Planner™, but I’m not your planner- so please consult a professional who knows yourunique situation before making any financial decisions. Past performance is not indicative of future results. Viewsexpressed are my own and do not reflect the views of Bethesda Financial Advisors, LLC.
15 Nov 2025
Why Compound Interest is Your Bestie
The eighth wonder of the world: compound interest! a.k.a. your new financial bestie. We’re talking about what compound interest actually is, why it’s such a game-changer for building long-term wealth, and how to make sure it’s working for you (and not sneakily working against you). From simple examples to real-lifenumbers, you’ll see exactly how your money can grow quietly in the background while you live your life, and why starting early makes all the difference. By the end of this episode, you’ll understand: Why compound interest is the #1 driver of long-term wealth How it can snowball your investments over time How to avoid letting it grow your debt instead How to outpace inflation and protect your future purchasing power The information in this podcast is for educational and entertainment purposes only and is not intended as financial advice. I’m a Certified Financial Planner™, but I’m not your planner- so please consult a professional who knows yourunique situation before making any financial decisions. Past performance is not indicative of future results. Viewsexpressed are my own and do not reflect the views of Bethesda Financial Advisors, LLC.
31 Oct 2025
The Roth IRA Advantage
Heard people mention Roth IRAs but secretly have no idea what they are? You’re not alone. In this episode, we’re breaking it all down in plain English: what a Roth IRA is, why it’s a total win for your future self, and how to start onewithout feeling overwhelmed.
15 Oct 2025
The Money Pep Talk Every Woman Needs To Hear
Feeling behind with money? You’re not alone, and this pep talk is your reset. In this episode we break down why so many smart, busy women weren’t taught this stuff, why confidence (not perfection) is the goal, and what we’ll build together thisseason in bite-size, engaging pieces. We’ll touch on the real gaps (education and access), the growing power women have in wealth, and why starting imperfectly still wins. Say hi, send questions, or just follow along for the ride @whatnoonetaughtus on Instagram. Sources mentioned: TIAA Institute & GFLEC, Personal Finance (P-Fin) Index - gender literacy gap. TIAA (https://www.tiaa.org/content/dam/tiaa/institute/pdf/research-brief/2024-10/tiaa-institute-what-we-have-learned-from-eight-years-of-financial-literacy-data_voee_sticha_october-2024.pdf?utm_source=chatgpt.com) Fidelity, Women & Investing Study (2021)- women’s investing confidence and 10-year performance analysis. Fidelity (https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/about-fidelity/FidelityInvestmentsWomen%26InvestingStudy2021.pdf) McKinsey, Women as the Next Wave of Growth in U.S. Wealth Management- ~$30T wealth shift by 2030. McKinsey & Company (https://www.mckinsey.com/industries/financial-services/our-insights/women-as-the-next-wave-of-growth-in-us-wealth-management?utm_source=chatgpt.com) The information in this podcast is for educational and entertainment purposes only, and is not intended as financial advice. I'm a certified financial planner®, but I am not your planner, so please consult a professional who knows your unique situation before making any financial decisions. Past performance is not indicative of future results.
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Public platform figures. Ratings count people who left a rating, not total listeners.
- Apple Podcasts (US)
- 5.0 / 5
- 8 ratings
- Spotify
- 5.0 / 5
- 17 ratings
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