PODCAST · education
Invest with Wesley
by Wesley Caruso
My passion in life is to lead, educate, and encourage people so that they can reach their goals and achieve their highest potential. As a financial, investment, and business advisor, I feel most fulfilled when helping others use creative solutions to meeting their goals. I'm 27 years old and I started in finance shortly after turning 18, I've created this Podcast/YouTube channel to share my successes, failures, and experiences in the financial services industry and to support others who are trying to better their financial situation and learn how the game of money works! Support this podcast: https://anchor.fm/wesley-caruso/support
Episodes
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How I went from Zero Credit to 740 Credit Score In 1 Year
Your credit score is one of the most important measures of your financial health. It tells lenders at a glance how responsibly you use credit. The better your score, the easier you will find it to be approved for new loans or lines of credit. A higher credit score can also open the door to the...
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How To Increase Your Credit Score📈
How To Increase Your Credit Score: https://youtu.be/bYHymMtm66I Payment history (35%) Credit usage (30%) Age of credit accounts (15%) Credit mix (10%) New credit inquiries (10%) As you can see, payment history has the biggest impact on your credit score. That is why, for example, it’s better to...
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How To Think Like The 1%
https://youtu.be/QAClSzxthRk
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Starting Your Own Personal Bank (Cash Flow Banking The RIGHT Way)
Starting your own personal bank, using the infinite banking concept, all WITHOUT Whole Life Insurance! https://youtu.be/dq-tDEeYJpI What Is Cash Flow Banking, and How Does It Become Your Own Personal Bank? Cash flow banking is leveraging cash value in a whole life insurance policy to…
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Stagflation, The Future Of The US Economy
Stagflation is characterized by slow economic growth and relatively high unemployment—or economic stagnation—which is at the same time accompanied by rising prices (i.e. inflation). Stagflation can also be alternatively defined as a period of inflation combined with a decline in gross domestic...
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What Are The Option Greeks
What are the option greeks? Delta, Gamma, Theta, Vega, Roh https://youtu.be/a3onOynbh2w
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Wells Fargo Cuts Credit Lines, What It Could Mean For The Future
wells fargo cuts credit lines https://youtu.be/ihr7iMwYUj0 In a move that surely will make a negative impact on the credit score of some of its customers In what CNBC reports as a six-page letter to Wells Fargo customers, the financial services company said it has "decided to discontinue offering...
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How Option Price Is Calculated
How option price is calculated depends on a variety of factors, Pricing Models, Intrinsic Value, and Extrinsic Value. Option Pricing Models Before venturing into the world of trading options, investors should have a good understanding of the factors determining the value of an option. These…
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What is Options Trading, How Does It Work, and Should You Do It?!
https://youtu.be/TAS5jPZHwC4
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How House Hacking With An LLC Can Lead To Generational Wealth
House Hacking combined with the anonymity and tax efficiency of an LLC can lead to massive returns and generational wealth in the long run. https://youtu.be/y0BaMmfDdFE What is House Hacking? House hacking is when you buy a small multi-unit real estate property, live in one unit, and rent out the...
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How To Avoid Beginner Investor Mistakes
Here is how to avoid beginner investor mistakes, and intern grow your wealth rapidly. https://youtu.be/l4_cp64gGJw 1. Not Understanding the Investment One of the world's most successful investors, Warren Buffett, cautions against investing in companies whose business models you don't understand....
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How To Survive The Second Global Financial Crisis(GFC)
how to survive the second global financial crisis https://youtu.be/nhh4h3pkA2Q 1. Don’t panic As the share market plummets, many people are worried about what this means for their reduced retirement savings. But now isn’t the time to make major changes to your super fund. “Firstly, if you have 30...
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Interesting Things With The Reverse Repo Market | SOFR Development
How Reverse Repo Market Works Reverse repurchase agreements (RRPs) are the buyer end of a repurchase agreement. These financial instruments are also called collateralized loans, buy/sell back loans, and sell/buy back loans. https://youtu.be/qZisXPqA6vY Reverse repos are commonly used by…
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How Derivatives And The ETF Index Bubble Are Connected
How Derivatives And The ETF Index Bubble Are Connected https://youtu.be/ikeHwgbrIZw A derivative is a financial security with a value that is reliant upon or derived from, an underlying asset or group of assets—a benchmark. The derivative itself is a contract between two or more parties, and the...
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Michael Burry Warns Of Index Fund Bubble & I Agree!
https://youtu.be/ZOUaAyI3w4E Michael Burry, the hedge fund legend whose prescient bets on the subprime mortgage crisis led to a silver screen depiction by Christian Bale in “The Big Short,” has earned respect. Recently, Burry stated publicly that he sees the frenzy around passive investing as...
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What Is The Primary and Secondary Markets
https://youtu.be/BjFz5ppz0ZQ The Primary Market Defined The primary market is where securities are created so they can be sold to investors for the first time. Above all, the primary market issues new securities on an exchange to allow companies, governments and others to raise capital.…
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Why The US Isnt Worried About Its Massive Debt But You Should Be
The US Isnt Worried About Its Massive Debt But You Should Be; The U.S. federal government’s debt load hit another milestone this month: It’s now a record US$22 trillion in nominal terms. https://youtu.be/VDIw23JdysE That’s $67,000 for every man, woman and child living in the U.S., and it’s up $2...
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Is Mortgage Refinancing A Good Idea?
Is mortgage refinancing a good idea? https://youtu.be/2yYRg705YvA Refinancing a mortgage means paying off an existing loan and replacing it with a new one. There are many reasons why homeowners refinance: Refinancing to Secure a Lower Interest Rate One of the best reasons to refinance is to lower...
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Why You Should Not Have A High Yield Savings Account
why you should not have a high yield savings account is because the amount of interest you receive never beats the rate of inflation, so you are guaranteed to lose money with a high yield savings account. https://youtu.be/lDRVzNiqxKs High-yield savings accounts function similarly to traditional...
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Why You Should Have A High Yield Savings Account
Why you should have a high yield savings account is because it allows you to earn interest while you save—a win-win scenario. But how much money you put into a high-yield savings account will depend on your personal savings goals and financial situation. https://youtu.be/i0223rvbTwA High-yield...
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High Yield Savings Account vs Money Market Account vs CD
high yield savings accounts, money market accounts, certificate of deposit (CD) What is a money market account? A money market account, or money market deposit account, is an interest-bearing savings product available at most banks and credit unions. You can usually write checks from it and may…
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The Proper Way To Structure Your RE Investing🏡📈
The Proper Way To Structure Your RE Investing https://youtu.be/2NxPfGehIvE Choosing a legal entity for your real estate investment business is an important decision that has both legal and tax consequences. The wealthiest real estate investors are not just skilled at spotting a good investment or...
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How Is Real Estate The Best Investment?
How Is Real Estate The Best Investment? https://youtu.be/lys7LF3x4WE The benefits of investing in real estate are numerous. With well-chosen assets, investors can enjoy predictable cash flow, excellent returns, tax advantages, and diversification—and it's possible to leverage real estate to build...
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The Problem With UGMA UTMA Account
The Problem With UGMA UTMA Account is when parents try to take it back, its FRAUD. https://www.youtube.com/watch?v=dhDsiuBM2KI&t=1s Imagine you open a savings account for your child at the local bank, depositing $10,000 in the hope that they will someday use it to pay for college. You put their...
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Tax Advantages Of Selling Your House To Your Business
https://youtu.be/GT9h6hASDhI
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The Problem With UGMA UTMA Account
https://youtu.be/dhDsiuBM2KI
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Bitcoin To The Moon?
https://youtu.be/QnW3p3Eg9zk
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How Business Entities Save On Taxes
How Business Entities Save On Taxes is really just a matter of how they are set up and what entity is used for your idea! there are plenty of different Entities to help you out here are a few Sole proprietorship Partnership LLC S-CORP C-CORP TRUST WILL
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The Different Types Of Taxes In The United States
The Different Types Of Taxes In The United States all fall into one of three categories: Earn Buy Own Taxes on things you Earn: Individual Income Taxes Corporate Income Taxes Payroll Taxes Capital Gains Taxes Taxes on things you Buy: Sales Taxes Excise Taxes Taxes on things you Own: Property…
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How Amazon Payed No Taxes!
How amazon paid no taxes is a question so many people ask. Its amaizing that a company who profits BILLIONS of dollars a year can wined up paying little to no taxes at all! The truth on how they did this has nothing to do with paying people under the table or hiding profits, the truth is much…
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Why You Should Use The Changed App Instead of Acorns or Stash
The Changed app is an app that lets you round up your spare change and apply them to your student loan. The pioneer of round up technology was Acorns, Both Acorns, and Stash offer the same round up features but instead of going to your student loans, the spare change is instead invested in to the...
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How to read a Fact Sheet
Copy of Fund Fact Sheet How to read a fact sheet starts with the fund name and objective In my example I show you Franklin Income Fund, a multi class mutual fund. the objective of that fund is: The fund seeks to maximize income, while maintaining prospects for capital appreciation, by investing…
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What Is Credit Card Churning & Should You Do it?
What is credit card churning? Credit card churning involves opening new credit cards to get the intro bonus without intending to use the cards afterward. Churning isn't illegal, but it is controversial and frowned upon by card issuers. Before credit card issuers really caught on and put systems…
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Health Savings Account (HSA)
A Health Savings Account (HSA) is a tax-advantaged account created for or by individuals covered under high-deductible health plans (HDHPs) to save for qualified medical expenses. Contributions are made into the account by the individual or their employer and are limited to a maximum amount each...
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403b, 401k, & 457b Retirement Accounts
What Is a 403(b) Plan? A 403(b) plan is a retirement account for certain employees of public schools and tax-exempt organizations. Participants include teachers, school administrators, professors, government employees, nurses, doctors, and librarians. https://youtu.be/hEaRhvE6p_w The 403(b) plan…
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SOFR & The Next Great Depression Pt. 2
https://youtu.be/XfDPnDYByag SOFR or the Secured Overnight Financing Rate is a benchmark interest rate for dollar-denominated derivatives and loans that is replacing the London interbank offered rate (LIBOR). Interest rate swaps on more than $80 trillion in national debt switched to the SOFR in...
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SOFR Will Cause The Next Great Depression, Here's Why
https://youtu.be/URZ8eTGyCyY SOFR or the Secured Overnight Financing Rate is a benchmark interest rate for dollar-denominated derivatives and loans that is replacing the London interbank offered rate (LIBOR). Interest rate swaps on more than $80 trillion in national debt switched to the SOFR in...
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SOFR The Secured Overnight Financing Rate
SOFR or the Secured Overnight Financing Rate is a benchmark interest rate for dollar-denominated derivatives and loans that is replacing the London interbank offered rate (LIBOR). Interest rate swaps on more than $80 trillion in notional debt switched to the SOFR in October 2020. This transition…
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Federal Funds Rate Explained!
Funds Rate Explained. Federal funds rate is the target interest rate set by the Federal Open Market Committee (FOMC) at which commercial banks borrow and lend their excess reserves to each other overnight. The Federal Open Market Committee (FOMC), the monetary policy-making body of the Federal...
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What Is The Libor Rate & How It Affects You!
what is the libor rate? The London Interbank Offered Rate (LIBOR) is a benchmark interest rate at which major global banks lend to one another in the international interbank market for short-term loans. LIBOR, which stands for London Interbank Offered Rate, serves as a globally accepted key...
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What Is The Prime Rate & How Does It Affect You?
what is the prime rate? The prime rate is the interest rate that commercial banks charge their most creditworthy corporate customers. The federal funds overnight rate serves as the basis for the prime rate, and prime serves as the starting point for most other interest rates. the prime rate…
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What Is A Mutual Fund And How Does It Work?
what is a mutual fund and how does it work? A mutual fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, money market instruments, and other assets. Mutual funds are operated by professional money managers, who...
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What Is An ETF And How Does It Work
What is an ETF? How do ETFs work? There is no doubt that understanding different securities products can be exhausting and confusing, in this video I explain exactly what you have been asking. What Is An ETF And How Does It Work? An exchange traded fund (ETF) is a type of security that involves a...
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Should You Lease Or Buy A Car!?
The decision whether or not should you lease or buy a car is one that depends on your specific situation and finances, as an example you could be living paycheck to paycheck and not able to afford to buy a car! You could also be in a business where you are expected to drive newer cars as a sort…
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The Truth About Investing In Crypto
Here it is, the truth about investing in crypto! When it comes to crypto not all coins are created equal and it is extremely easy to get bogged down in all the hype and options of each one. In my opinion there are only a small hand full of Crypto Coins that are worth investing my money into:...
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What's Up with Reddit, Robinhood, and Gamestop
Youtube Live Recap on current drama with GameStop, Reddit, and Hedge Funds
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ABOUT THIS SHOW
My passion in life is to lead, educate, and encourage people so that they can reach their goals and achieve their highest potential. As a financial, investment, and business advisor, I feel most fulfilled when helping others use creative solutions to meeting their goals. I'm 27 years old and I started in finance shortly after turning 18, I've created this Podcast/YouTube channel to share my successes, failures, and experiences in the financial services industry and to support others who are trying to better their financial situation and learn how the game of money works! Support this podcast: https://anchor.fm/wesley-caruso/support
HOSTED BY
Wesley Caruso
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