The 3rd Decade Podcast
Episodes
64 episodes
Same Game, Different Stakes: What Pro Athletes Teach Us About Everyday Financial Planning
In this episode, Nikita is joined by former professional athlete turned CFP®, Jeff Locke, to explore a surprising truth: when it comes to money, pro athletes and everyday earners are playing the same game—just with different stakes.From ...
Building First-Gen Wealth with Uziel Gomez
Nikita Wolff is joined by Uziel Gomez, CFP®, AFC®, and founder of Primeros Financial, as he shares the personal experiences that inspired his mission to serve communities traditionally left out of the financial conversation. Together, they expl...
Money Talk for Couples: Finding What Works for You
Money can bring couples closer—or quietly build tension over time. In this episode, Nikita & Adam Van Deusen dive into one of the biggest relationship questions: Should we combine our finances? And if so, what's the best approach for us...
Can Money Buy Happiness?
They say money can’t buy happiness… but is that really true? In this episode, Nikita & Adam Van Deusen explore the complicated relationship between money and well-being — from what the research says to how our everyday spending choices shap...
Scarcity Mindset and Trauma Around Money
In this episode, Nikita & Katherine Chatmon (3rd Decade Volunteer Mentor), discuss how a scarcity mindset & trauma around money impact our financial beliefs, progress, and wellbeing. This discussion includes: how it shows up, root cause...
Lifestyle Creep: The Subtle Ways Our Spending Eats Away at Our Progress
In this episode, Nikita & Katherine Chatmon (3rd Decade Volunteer Mentor), discuss lifestyle creep. We all experience some amount of this as our income rises, but this episode covers: personal examples, how to recognize when it's happening,...
Long-Term Care Planning: Is It For Me?
In this Episode, Nikita welcomes Co-founder & CEO of Waterlily, Lily Vittayarukskul, on to discuss the need for Long-Term Care Planning. Lily's professional path was redirected after she experienced first-hand the financial and familial str...
Achieving The Perfect Credit Score
Nikita is joined by Adam Van Deusen (Volunteer Mentor & CFP®) for a discussion on the steps you can take for a higher credit score. Furthermore, this episode covers:What a credit score isWhat makes up a c...
How To Make Money on Credit Cards
Nikita is joined by Adam Van Deusen (Volunteer Mentor & CFP®) for a discussion on how a person can make money on credit cards and dip their toes into the world of "travel hacking". Furthermore, this episode covers:
Family Financial Planning
Nikita & Joe'Mar discuss the importance of solid financial planning when it comes to having or starting a family. Each brings their own perspective (Nikita: inviting 2 new members for the first time; Joe'Mar: having 2 older children).
Calculating Life Insurance Needs
Nikita & Joe'Mar demystify life insurance by discussing what type of policies are out there, as well as which policies to avoid. Furthermore, this episode covers:What factors affect your premiumsHow to find ...
What ARE Stocks & Bonds?!
In this solo episode, Nikita covers the basics of stocks & bonds; how they are traded & the relative risks associated with investing in them. If you already understand the basics of investing, consider sharing this podcast w...
Guest Feature: Diana Yáñez with All The Colors
Join Nikita for a conversation with Diana, the founder of All The Colors. Diana is a CFP© and Registered Life Planner™, and uses her personal values to drive her work as a money coach to financially e...
Rip Off That Budgeting Bandaid
Join Nikita for a conversation with 3rd Decade Alumni, Kyle Mittan, on a discussion around his history with budgeting (or lack thereof) and how he became the diligent budgeter that he is today. We hope if you've been procrastinating on using a ...
Values-Based Budgeting
Join 3rd Decade Alumni, Rose (she/her) & Nikita (she/her) for a heartfelt conversation around the positive impact that budgeting has had in Rose's life. As a former "checking-balance-budgeter", Rose shares how building this habit into h...
Financial Transitions That Come With Marriage
In today's episode, Nikita speaks with Mary Cantor & Jacob Wingate, two of 3rd Decade's Alumni, on the financial transitions that come with marriage. Merging two adult's financial lives can be a significant challenge in a new marriage. Mary...
Self-Employment with Sarah Ventre
3rd Decade Alum, Sarah Ventre, shares in detail how she hustled her way through unpaid internships & temp jobs in her 20s and ultimately built herself a successful career in the audio journalism and production industry. If you need inspirat...
Buying A Car (Pros & Cons of New vs. Used)
Join Nikita & Nina as they discuss the many factors to consider when determining what car to buy (and whether to seek a new or used car). When making a purchase, it's essential to weigh the pros and cons of both options to ensu...
Alternatives to Education
Join Nikita & Nina (3rd Decade's Arizona Serve VISTA Program & Operations Coordinator) as they discuss alternatives to a 4-year degree after high school. In this episode, they discuss:# of Americans affected by ...
How Budgets Can Help Your Money Mindset
In this episode, Nikita discusses how our upbringing informs our money mindset, and ways that (if this is holding us back), we can use budgeting to help us improve it. She goes over 5 different methods for budgeting, and speaks personally on va...
Investing: Layman's Terms
In this episode, Nikita covers all the basics of understanding investing. Many people struggle to differentiate different account names and tax treatment. This is a great starting place to build a solid foundation in your investment knowledge.<...
Choosing the Right College
Join Nikita for this mini-episode on choosing the college that's right for you. In this episode, she discusses different factors to consider when making your selection. Including things like: college credentials, networking, location, cost, res...
Generational Money Conversations with Leroy Adams
Nikita Wolff is joined by 3rd Decade graduate, Leroy Adams, to discuss how he's changing generational money habits within his own family. Throughout this episode, they discuss:Leroy's backgroundExpensive mistakesHo...
Mindfulness & Finances
Nikita Wolff is joined by Cayla Vertreese, a 3rd Decade graduate, and a 21 year old recent graduate of Northwest Missouri State University. Cayla received her Bachelors in Human Services and Minor in Psychology. Following he...
Economic Abuse with "Your World, Your Money"
Nikita is joined by Co-Hosts Mary Rossi & Nolan DiFrancesco from Your World, Your Money, a podcast produced by the Global Thinking Foundation, which is a nonprofit focused on building a world free from economic abuses, where access...