The SECRET BENEFITS of Credit Cards Most People Don’t Know About

WTF Happened to FTX?!

We start at the very beginning. Who was Samuel Bankman-Fried, mainly known by his initials SBF? How did he build his crypto fortune? Did he always come from money?

In this week’s episode of The Miss Findependent Podcast, I get into all of this and more. 

This isn’t some fluff piece. This is the full story… with updates from his employees, details about his political involvement, and some insight into what shaped him to be the man he is today. 

SBF comes off as a big philanthropist, guided by his belief in altruism. Some say philanthropist. I say fraudster. 

SBF single handedly loses his fortune of $17.2 Billion, declares a chapter 11 bankruptcy, and causes thousands of people to lose not only their hard earned money, but also their faith in crypto. 

In case you haven’t heard of SBF - Sam Bankman-Fried is an entrepreneur and former founder/CEO of FTX, FTX.US, and Alameda Research, but if this story is the titanic, this is just the tip of the iceberg.

Here’s what we get into in detail:

1:55 - Who is Sam Bankman-Fried

5:14 - Arbitrage

6:53 - How does SBF become a Billionaire?

9:00 - Scaling FTX

14:20 - The Bahamas

15:40 - The Downfall of FTX

25:35 - The Residual Impact

31:33 - SBF Political Involvement

✩ CONNECT WITH ME: ✩

Instagram: @missfindependent

TikTok: @nikafarb

Learn more at missfindependent.com

For contact or business inquiries: [email protected]

The SECRET BENEFITS of Credit Cards Most People Don’t Know About

Every time I see someone pay for something with a debit card, and they’re above the age of 18, I cringe on the inside. 

Credit cards are not evil. 

In fact, credit cards can be an incredible tool that help you build credit history which is essential for every single adult. 

Outside of that, they also have AMAZING perks ranging from insurance,  letting you travel for free, giving you cash back to help pay for your balance. 

In this episode I go through the different types of credit cards, and the most common types of benefits that most people don’t know about. 

Here’s what I get into in detail: 

5:27 - How do you choose the right card?

6:30 - Student Cards

7:02 - Business Cards

7:18 - Store Cards

10:12 - Cash Back Cards

12:36 - Travel Cards

17:32 - Rewards Cards

25:11 - Rental Car Insurance

26:35 - Mobile Device Insurance

28:32 - Purchase Insurance

31:22 - Airport Lounges

Credit Karma

✩ CONNECT WITH ME: ✩

Instagram: @missfindependent

TikTok: @nikafarb

Learn more at missfindependent.com

For contact or business inquiries: [email protected]

Housing Affordability and Buying vs. Renting in Different Markets

To rent or to buy… the age old question 

A lot of millennials have stopped asking the question because they feel buying real estate is far out of reach. 

And on top of that, there’s so much societal pressure that suggests renting is burning cash, and owning real estate is like a right of passage for adulthood. I debunk both of these myths. 

Personal finance is.. Personal. Buying or renting is a conscious decision that shouldn’t be taken lightly.

Buying real estate can be a great tool for wealth, but if buying is out of reach, or you’re living in a highly overvalued market, renting and investing the difference, when done strategically can pay massive dividends… literally, like if you invest an amount equal to a downpayment in dividend paying stocks.

There’s a lot of costs associated with buying outside just saving for a downpayment. There’s mortgage payments, transaction costs, interest….

In this episode I break down common misconceptions, and quantify exactly what the criteria is to be approved for a mortgage. 

I break down how to save for a downpayment, how long it’ll take in specific markets assuming you are saving 10% of your income monthly.

I dive into different scenarios and show you where it makes more financial sense to rent vs. buy, and how to run the calculations.

Here’s what I get into: 

4:53 - Rent vs. buying situations

10:00 - How to save for a downpayment

11:52 - How mortgages are calculated

17:28 - GDS and TDS ratios

26:07 - Building Equity

27:46 - Price-to-Rent ratio

33:43 - Opportunity cost

Housing Affordability NBC

✩ CONNECT WITH ME: ✩

Instagram: @missfindependent

TikTok: @nikafarb

Learn more at missfindependent.com

For contact or business inquiries: [email protected]

Viler Lika on Knowing Your Rights as a Landlord or Tenant

In this episode, I sit down with Viler Lika, the founder and CEO of SingleKey, which takes the stress out of renting. It helps landlords find the right tenants, and helps manage the risks that come with renting - serving both the landlord, and the tenant. They’re like a bridge that makes managing that relationship easier. It’s a platform that I use myself, and that’s why I was really looking forward to this conversation. 

I met Viler a couple years ago and have seen his business grow and evolve. It’s an incredible platform and Viler has so much insight into the rental market, stemming from his daily conversations with customers. He’s incredibly in-tune with challenges both landlords and tenants face, and that’s mainly what we dive into here. 

A little bit about Viler… he holds an MBA from Ivey Business School and a computer engineering degree from the University of Toronto. Prior to Single Key, he led a data science team at TD bank in consumer credit, and started his career in Credit Risk at Capital One. He is an experienced entrepreneur having successfully founded and exited a previous company. Viler is passionate about innovation in the financial sector and the disrupting power of FinTech.

Here’s what we get into: 

2:20 - What’s Going on In The Rental Market

10:42 - Defining Proptech

12:03 - How SingleKey Started

17:04 - Rent Guarantee for Landlords

21:48 - Landlord Fraud

27:29 - Know Your Rights as a Tenant

38:40 - Standard Rent Agreements

47:41 - Adding Supply To the Market

49:06 - Pay Rent and Build Credit History with SingleKey

Connect with Viler:

Learn More on SingleKey's Website

Connect with SingleKey on Instagram

✩ CONNECT WITH ME: ✩

Instagram: @missfindependent

TikTok: @nikafarb

Learn more at missfindependent.com

For contact or business inquiries: [email protected]

Alyssa Atkins Spills the Shocking Truth on How to Find FERTILITY FREEDOM

In this episode, I sit down with Alyssa Atkins, the founder and CEO of Lilia, the most enjoyable egg freezing experience in the world. Lilia is is on a mission to bring reproductive freedom to every woman by making egg freezing affordable, accessible, and convenient. Alyssa raised Lilia's first round of funding in 5 weeks with no product, deck, or website, and went on to gain backing from Y Combinator, Silicon Valley's most prominent investor.

Alyssa and I, like many women, were sick of doing the dating math.

“If I want to grow my career, scale my business, achieve XX by XX date… I need to find my husband by XX, get married by XX, have baby #1 by XX.” 

As women, questions around fertility are some of our most common sources of stress. Everybody usually means well, but asking a woman when she’s planning to have kids, when she’s not fully ready is frustrating to hear, to say the least. 

One of my favorite Alyssa quotes from the episode: 

“Society is still very prescriptive in the sense that we are expected to: go to school, graduate, get a job, get married, and then have kids. That’s just not how it works anymore. Women are more discerning in their partners, we’re focusing on our careers, and taking more time… and our biology has not caught up.” 

The incredible thing is… there’s a solution to this pain and frustration that buys an immense feeling of FREEDOM and peace of mind. 

It’s called egg freezing, or embryo freezing, and I’m currently in the process of doing both. 

Alyssa and I get into the nitty gritty details of how both processes work, the costs, and how egg freezing can benefit entrepreneurial, goal-oriented women, by giving them TIME to do the things they want.

Here’s more of what we get into: 

1:56 - How Lilia Was Born

9:37 - Rewiring The Narrative 

11:21 - Why Alyssa Left Her Job to Grow Lilia

16:56 - Going After Venture Capital

21:23 -  Egg Freezing For Entrepreneurial Women

26:15 - Why I Decided To Freeze My Eggs

29:00 - The Shocking Truth About Fertility

37:20 - The Steps and Costs

44:26 - Eggs vs. Embryos

49:39 - Why Lilia

I hope you enjoy this one as much as I did. Please share with your family or friends that might benefit from this as well.

Connect with Alyssa:
 
Learn More on Lilia's Website
Learn More on Forbes

Connect with Alyssa on Instagram

Connect with Alyssa on Twitter

✩ CONNECT WITH ME: ✩

Instagram: @missfindependent

TikTok: @nikafarb

Learn more at missfindependent.com

For contact or business inquiries: [email protected]