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Simple Finance Bytes: Personal Finance Made SimpleTransform your money with simple finance strategies that work.
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- Indexed episodes, last 90 days
- 9
- Latest publication
- Sep 23, 2026
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- Earliest in this view
- Jul 13, 2026
Latest episodes
Cancel Everything: Fight Back Against the Extraction Economy (opens the original)
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Corporate America has spent years turning purchases into subscriptions, ownership into temporary access, and ordinary convenience into permanent monthly charges. Episode 23 has one command: Cancel everything. Sony recently gave us a clear example of the larger problem. PlayStation told UK customers that previously purchased StudioCanal movies and shows would become inaccessible because of licensing agreements. Sony is also ending physical-disc production for new PlayStation games beginning in Ja
Why Gas Is Over $4 Again - and What to Do (opens the original)
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Gas is over $4 a gallon again, and the reason isn't mysterious. The Iran war has severely disrupted the Strait of Hormuz, one of the world's most important oil routes, reducing normal oil flows and pushing crude and gasoline prices higher. In Episode 22, Ernest explains why this price spike happened and gives four simple household actions that can help keep higher fuel costs from throwing the rest of your finances off course. Key takeaways: Cut wasted miles before cutting things you value. Use t
Credit Unions: The Boring Bank That Pays You More (opens the original)
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Most people think they need one bank to do everything. You don’t. A local credit union can be the part of your financial system that handles branch access, cash deposits, competitive lending, and the portion of your emergency fund you want immediately available. An online bank or fintech can handle the things it often does better: digital banking, a wide ATM network, payments, and additional high-yield savings options. In Episode 21 of Simple Finance Bytes, Ernest explains why the goal is not to
What to Do When You Lose Your Job (opens the original)
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What should you do when you lose your job? Start protecting your cash immediately. Losing your job does not mean panic. But it does mean your money has a new job: buy you as much time as possible. In Episode 20 of Simple Finance Bytes, we walk through what to do as soon as the paycheck stops. In this episode What to cut immediately after losing your job Why every subscription should go How to build a bare-bones household budget How to make your emergency fund last longer How to cut phone service
How Much Money Should You Keep in Checking? (opens the original)
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How much money should you keep in checking? My rule is simple: one full month of your normal household expenses—not one month of salary. In Episode 19, we cover why checking should be treated as operating cash, how to calculate your one-month number, why a fully funded checking account makes payday timing less important, and what happens after checking is full. The Simple Finance Bytes cash system: 1 month of normal expenses in checking Next 2 months in a HYSA Additional emergency reserves in VB
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