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I spend way too much time thinking about
money, financial psychology, and why some
people build serious wealth while others
stay stuck doing everything right and
going nowhere.

Every video on this channel runs the real
math — not what the bank wants you to
believe, not what your real estate agent
is incentivized to tell you, not the
fantasy version. The actual numbers, the
actual psychology, and what it actually
means for your life.

Topics we cover:
→ Why middle-class habits quietly destroy
wealth
→ The real cost of debt, mortgages, and
car payments
→ What compound interest actually does
over 30 years
→ The financial decisions nobody explains
until it's too late

Not financial advice. Always consult a
qualified professional before making major
financial decisions.

New video every week. Subscribe if you
want the real math.

View channel on YouTube
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Unable to parse item

Invidious encountered an error while trying to parse this item. For more information see below:

Show technical details 
Title: `Missing hash key: "collectionThumbnailViewModel" (KeyError)`
Date: `2026-07-13T19:09:15Z`
Route: `/channel/UCfFriW3p19qeabDKDtw9FCQ`
Version: `2026.02.07-118d635 @ (HEAD detached at v2.20260207.0)`

<details>
<summary>Backtrace</summary>
<p>
   
```
Missing hash key: "collectionThumbnailViewModel" (KeyError)
  from /usr/share/crystal/src/hash.cr:1198:9 in '??'
  from /usr/share/crystal/src/json/any.cr:149:5 in 'process'
  from src/invidious/yt_backend/extractors.cr:524:17 in 'process'
  from src/invidious/yt_backend/extractors.cr:1035:17 in 'parse_item'
  from src/invidious/yt_backend/extractors.cr:1082:14 in 'extract_items'
  from src/invidious/channels/videos.cr:29:22 in 'get_60_videos:continuation:sort_by'
  from src/invidious/routes/channels.cr:56:36 in 'videos'
  from lib/kemal/src/kemal/route.cr:13:9 in '->'
  from src/invidious/helpers/handlers.cr:31:37 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from lib/kemal/src/kemal/filter_handler.cr:22:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/invidious/helpers/handlers.cr:80:12 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/ext/kemal_static_file_handler.cr:127:14 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/request_processor.cr:51:11 in 'handle_client'
  from /usr/share/crystal/src/fiber.cr:170:11 in 'run'
  from ???
```
</p>
</details>

Unable to parse item

Invidious encountered an error while trying to parse this item. For more information see below:

Show technical details 
Title: `Missing hash key: "collectionThumbnailViewModel" (KeyError)`
Date: `2026-07-13T19:09:15Z`
Route: `/channel/UCfFriW3p19qeabDKDtw9FCQ`
Version: `2026.02.07-118d635 @ (HEAD detached at v2.20260207.0)`

<details>
<summary>Backtrace</summary>
<p>
   
```
Missing hash key: "collectionThumbnailViewModel" (KeyError)
  from /usr/share/crystal/src/hash.cr:1198:9 in '??'
  from /usr/share/crystal/src/json/any.cr:149:5 in 'process'
  from src/invidious/yt_backend/extractors.cr:524:17 in 'process'
  from src/invidious/yt_backend/extractors.cr:1035:17 in 'parse_item'
  from src/invidious/yt_backend/extractors.cr:1082:14 in 'extract_items'
  from src/invidious/channels/videos.cr:29:22 in 'get_60_videos:continuation:sort_by'
  from src/invidious/routes/channels.cr:56:36 in 'videos'
  from lib/kemal/src/kemal/route.cr:13:9 in '->'
  from src/invidious/helpers/handlers.cr:31:37 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from lib/kemal/src/kemal/filter_handler.cr:22:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/invidious/helpers/handlers.cr:80:12 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/ext/kemal_static_file_handler.cr:127:14 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/request_processor.cr:51:11 in 'handle_client'
  from /usr/share/crystal/src/fiber.cr:170:11 in 'run'
  from ???
```
</p>
</details>

Unable to parse item

Invidious encountered an error while trying to parse this item. For more information see below:

Show technical details 
Title: `Missing hash key: "collectionThumbnailViewModel" (KeyError)`
Date: `2026-07-13T19:09:15Z`
Route: `/channel/UCfFriW3p19qeabDKDtw9FCQ`
Version: `2026.02.07-118d635 @ (HEAD detached at v2.20260207.0)`

<details>
<summary>Backtrace</summary>
<p>
   
```
Missing hash key: "collectionThumbnailViewModel" (KeyError)
  from /usr/share/crystal/src/hash.cr:1198:9 in '??'
  from /usr/share/crystal/src/json/any.cr:149:5 in 'process'
  from src/invidious/yt_backend/extractors.cr:524:17 in 'process'
  from src/invidious/yt_backend/extractors.cr:1035:17 in 'parse_item'
  from src/invidious/yt_backend/extractors.cr:1082:14 in 'extract_items'
  from src/invidious/channels/videos.cr:29:22 in 'get_60_videos:continuation:sort_by'
  from src/invidious/routes/channels.cr:56:36 in 'videos'
  from lib/kemal/src/kemal/route.cr:13:9 in '->'
  from src/invidious/helpers/handlers.cr:31:37 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from lib/kemal/src/kemal/filter_handler.cr:22:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/invidious/helpers/handlers.cr:80:12 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/ext/kemal_static_file_handler.cr:127:14 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/request_processor.cr:51:11 in 'handle_client'
  from /usr/share/crystal/src/fiber.cr:170:11 in 'run'
  from ???
```
</p>
</details>

Unable to parse item

Invidious encountered an error while trying to parse this item. For more information see below:

Show technical details 
Title: `Missing hash key: "collectionThumbnailViewModel" (KeyError)`
Date: `2026-07-13T19:09:15Z`
Route: `/channel/UCfFriW3p19qeabDKDtw9FCQ`
Version: `2026.02.07-118d635 @ (HEAD detached at v2.20260207.0)`

<details>
<summary>Backtrace</summary>
<p>
   
```
Missing hash key: "collectionThumbnailViewModel" (KeyError)
  from /usr/share/crystal/src/hash.cr:1198:9 in '??'
  from /usr/share/crystal/src/json/any.cr:149:5 in 'process'
  from src/invidious/yt_backend/extractors.cr:524:17 in 'process'
  from src/invidious/yt_backend/extractors.cr:1035:17 in 'parse_item'
  from src/invidious/yt_backend/extractors.cr:1082:14 in 'extract_items'
  from src/invidious/channels/videos.cr:29:22 in 'get_60_videos:continuation:sort_by'
  from src/invidious/routes/channels.cr:56:36 in 'videos'
  from lib/kemal/src/kemal/route.cr:13:9 in '->'
  from src/invidious/helpers/handlers.cr:31:37 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from lib/kemal/src/kemal/filter_handler.cr:22:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/invidious/helpers/handlers.cr:80:12 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/ext/kemal_static_file_handler.cr:127:14 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/request_processor.cr:51:11 in 'handle_client'
  from /usr/share/crystal/src/fiber.cr:170:11 in 'run'
  from ???
```
</p>
</details>

Unable to parse item

Invidious encountered an error while trying to parse this item. For more information see below:

Show technical details 
Title: `Missing hash key: "collectionThumbnailViewModel" (KeyError)`
Date: `2026-07-13T19:09:15Z`
Route: `/channel/UCfFriW3p19qeabDKDtw9FCQ`
Version: `2026.02.07-118d635 @ (HEAD detached at v2.20260207.0)`

<details>
<summary>Backtrace</summary>
<p>
   
```
Missing hash key: "collectionThumbnailViewModel" (KeyError)
  from /usr/share/crystal/src/hash.cr:1198:9 in '??'
  from /usr/share/crystal/src/json/any.cr:149:5 in 'process'
  from src/invidious/yt_backend/extractors.cr:524:17 in 'process'
  from src/invidious/yt_backend/extractors.cr:1035:17 in 'parse_item'
  from src/invidious/yt_backend/extractors.cr:1082:14 in 'extract_items'
  from src/invidious/channels/videos.cr:29:22 in 'get_60_videos:continuation:sort_by'
  from src/invidious/routes/channels.cr:56:36 in 'videos'
  from lib/kemal/src/kemal/route.cr:13:9 in '->'
  from src/invidious/helpers/handlers.cr:31:37 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from lib/kemal/src/kemal/filter_handler.cr:22:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/invidious/helpers/handlers.cr:80:12 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/ext/kemal_static_file_handler.cr:127:14 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/request_processor.cr:51:11 in 'handle_client'
  from /usr/share/crystal/src/fiber.cr:170:11 in 'run'
  from ???
```
</p>
</details>

Unable to parse item

Invidious encountered an error while trying to parse this item. For more information see below:

Show technical details 
Title: `Missing hash key: "collectionThumbnailViewModel" (KeyError)`
Date: `2026-07-13T19:09:15Z`
Route: `/channel/UCfFriW3p19qeabDKDtw9FCQ`
Version: `2026.02.07-118d635 @ (HEAD detached at v2.20260207.0)`

<details>
<summary>Backtrace</summary>
<p>
   
```
Missing hash key: "collectionThumbnailViewModel" (KeyError)
  from /usr/share/crystal/src/hash.cr:1198:9 in '??'
  from /usr/share/crystal/src/json/any.cr:149:5 in 'process'
  from src/invidious/yt_backend/extractors.cr:524:17 in 'process'
  from src/invidious/yt_backend/extractors.cr:1035:17 in 'parse_item'
  from src/invidious/yt_backend/extractors.cr:1082:14 in 'extract_items'
  from src/invidious/channels/videos.cr:29:22 in 'get_60_videos:continuation:sort_by'
  from src/invidious/routes/channels.cr:56:36 in 'videos'
  from lib/kemal/src/kemal/route.cr:13:9 in '->'
  from src/invidious/helpers/handlers.cr:31:37 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from lib/kemal/src/kemal/filter_handler.cr:22:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/invidious/helpers/handlers.cr:80:12 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/ext/kemal_static_file_handler.cr:127:14 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/request_processor.cr:51:11 in 'handle_client'
  from /usr/share/crystal/src/fiber.cr:170:11 in 'run'
  from ???
```
</p>
</details>

Unable to parse item

Invidious encountered an error while trying to parse this item. For more information see below:

Show technical details 
Title: `Missing hash key: "collectionThumbnailViewModel" (KeyError)`
Date: `2026-07-13T19:09:15Z`
Route: `/channel/UCfFriW3p19qeabDKDtw9FCQ`
Version: `2026.02.07-118d635 @ (HEAD detached at v2.20260207.0)`

<details>
<summary>Backtrace</summary>
<p>
   
```
Missing hash key: "collectionThumbnailViewModel" (KeyError)
  from /usr/share/crystal/src/hash.cr:1198:9 in '??'
  from /usr/share/crystal/src/json/any.cr:149:5 in 'process'
  from src/invidious/yt_backend/extractors.cr:524:17 in 'process'
  from src/invidious/yt_backend/extractors.cr:1035:17 in 'parse_item'
  from src/invidious/yt_backend/extractors.cr:1082:14 in 'extract_items'
  from src/invidious/channels/videos.cr:29:22 in 'get_60_videos:continuation:sort_by'
  from src/invidious/routes/channels.cr:56:36 in 'videos'
  from lib/kemal/src/kemal/route.cr:13:9 in '->'
  from src/invidious/helpers/handlers.cr:31:37 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from lib/kemal/src/kemal/filter_handler.cr:22:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/invidious/helpers/handlers.cr:80:12 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call_next'
  from src/ext/kemal_static_file_handler.cr:127:14 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/handler.cr:30:7 in 'call'
  from /usr/share/crystal/src/http/server/request_processor.cr:51:11 in 'handle_client'
  from /usr/share/crystal/src/fiber.cr:170:11 in 'run'
  from ???
```
</p>
</details>