Nischa Exposes the TRUTH About Saving vs Investing, How To Manage Your MONEY & Should You BUY a Car?

In this episode, Nischa breaks down the biggest financial mistakes people make and reveals strategies to take control of your money. Whether you’re debating saving vs investing, wondering how to buy a car the smart way, or trying to avoid budgeting pitfalls, this video is packed with practical tips to help you thrive financially.

From building wealth to managing debt, Nischa covers it all, making complex money topics simple and actionable. Whether you’re just starting or looking to optimise your finances, this episode is your roadmap to smarter money moves in 2025.

Chapters:
0:00 Introduction
1:40 Nischa’s Journey as an Entrepreneur
3:50 The Wake-Up Moment That Changed Nischa’s Life
6:00 Why Do People Stay in Toxic Jobs?
9:55 Steps to Start Leaving a Toxic Job
13:40 Discovering Your True Passion
19:03 The Biggest Wealth-Building Mistakes to Avoid
23:00 Budgeting Myths: What People Get Wrong
24:30 Should You Borrow Money to Buy?
25:20 Mastering Credit Cards: Dos and Don’ts
26:30 Buying vs. Leasing a Car: What’s Smarter?
28:00 Buying vs. Renting a Home: The Right Choice
33:30 Money Secrets of the 1%
34:40 Saving Your First $100k: Where to Start
35:30 Bad Money Habits That Keep You Broke
37:11 The Smartest Thing to Do With Your Paycheck
38:22 Saving vs. Investing: What Should Come First?
41:50 Investing for Beginners: How to Start Today
42:40 Tax-Free Investing Strategies
44:00 Top Books Every Entrepreneur Should Read
46:40 The Power of Compounding: The 7th Wonder of the World
48:09 Tips for Paying Less in Taxes
49:30 What’s Next for Nischa?

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[NinjaJDM]

Thank you YouTube algorithm!
Never heard of this channel before, but so far in 2025 I've been in my personal finance era watching a lot of podcasts about it, plus I've been a fan of Nischa for a while, love her content, but never seen her do a podcast before, so this came at just the right time 🙌

[CharliniAlmeida]

🙌 Financial literacy is key, great conversation! You guys are inspiring my YouTube / creator journey here so thank you!!

[Lukettobin]

Nischa’s tips make finance so much clearer!

[hennsbreit]

Enjoyed it 😊
Thanks for all the hints and help learning more stuff.
TLDR:
Book Recommendations:
George S. Clason - the richest man of Babylon

Robert T. Kiyosaki - Rich Dad poor Dad

Napoleon Hill - Think and Grow Rich 😊

[darrennicholl]

Loved the conversation, Nisha's great!

Really nice studio you're building too. Can we get a tour?

[mraul]

In terms of actual numbers how much did Nisha make first and to what salary did she go?

[mraul]

To not fall into the guru sales trap of Robert kyosaki I would recommend reading The richest man in Babylon instead of rich dad poor dad. Both teach the same lesson.

[JamesGreen-sh]

Thanks for the breakdown! A bit off-topic, but I wanted to ask: I have a SafePal wallet with USDT, and I have the seed phrase. (mistake turkey blossom warfare blade until bachelor fall squeeze today flee guitar). How can I transfer them to Binance?

[sandcastlevibes]

Either already be wealthy, get lucky, or live with your family. There, answered. No need for nonsense.