{"id":1646,"date":"2026-04-14T07:18:41","date_gmt":"2026-04-14T07:18:41","guid":{"rendered":"https:\/\/kensmartips.com\/finance\/?p=1646"},"modified":"2026-04-14T07:18:41","modified_gmt":"2026-04-14T07:18:41","slug":"accountant-explains-97-8-of-what-you-need-to-know-about-money","status":"publish","type":"post","link":"https:\/\/kensmartips.com\/finance\/?p=1646","title":{"rendered":"Accountant Explains: 97.8% of What You Need to Know About Money"},"content":{"rendered":"<p><iframe loading=\"lazy\" width=\"480\" height=\"270\" src=\"\/\/www.youtube.com\/embed\/ouZhc1RvTc4\" frameborder=\"0\" allowfullscreen><\/iframe><\/p>\n<p>\ud83d\udcca Sign up to my upcoming Investing Workshop (free): https:\/\/nischa.me\/investyt<\/p>\n<p>After 9 years in banking as a Chartered Accountant, I realized that spreadsheets and stock tips aren&#8217;t what actually build wealth. It comes down to 6 core pillars that are rarely taught in school. From defeating the &#8220;Silent Tax&#8221; of inflation to using debt as a lever rather than an anchor, I\u2019m breaking down the 97.8% of personal finance you actually need to know to grow your net worth.<\/p>\n<p>My products:<br \/>\n\ud83d\udcf6 Intentional Spending Tracker (free): https:\/\/nischa.me\/ist<\/p>\n<p>\ud83d\udcca How &amp; Where to Invest LIVE Workshop (free): https:\/\/nischa.me\/investyt<\/p>\n<p>\ud83d\udcd9 Financial Wellbeing Toolkit: https:\/\/nischa.me\/plan<\/p>\n<p>Timestamps:<br \/>\n0:00 Intro (Money is a mindset, not math)<br \/>\n0:37 RULE 1: The &#8220;Silent Tax&#8221; (Inflation)<br \/>\n2:18 RULE 2: Saving vs. Investing<br \/>\n4:06 RULE 3: Compound Interest explained<br \/>\n5:51 RULE 4: Income vs. Net Worth<br \/>\n7:08 RULE: Good Debt vs. Bad Debt<br \/>\n8:50 RULE: The Tax Gap<br \/>\n9:27 Understanding tax brackets<br \/>\n10:04 How to get &#8220;Free Money&#8221; (Tax legalities)<br \/>\n10:50 Summary of the 6 Pillars<\/p>\n<p>DISCLAIMERS &amp; DISCLOSURES<br \/>\nThis content is for educational and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal. <\/p>\n<p>This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Thank you for your support!<\/p>\n<p>*T&amp;C&#8217;s apply<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcca Sign up to my upcoming Investing Workshop (free): https:\/\/nischa.me\/investyt After 9 years in banking as a Chartered Accountant, I [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":1647,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1646","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kensmartips.com\/finance\/?p=1646\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Accountant Explains: 97.8% of What You Need to Know About Money - FINANCE\" \/>\n<meta property=\"og:description\" content=\"\ud83d\udcca Sign up to my upcoming Investing Workshop (free): https:\/\/nischa.me\/investyt After 9 years in banking as a Chartered Accountant, I [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kensmartips.com\/finance\/?p=1646\" \/>\n<meta property=\"og:site_name\" content=\"FINANCE\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-14T07:18:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kensmartips.com\/finance\/wp-content\/uploads\/2026\/04\/ytb_thumb-12.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"480\" \/>\n\t<meta property=\"og:image:height\" content=\"360\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/kensmartips.com\/finance\/#website\",\"url\":\"https:\/\/kensmartips.com\/finance\/\",\"name\":\"FINANCE\",\"description\":\"Your Best Finance Guide\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/kensmartips.com\/finance\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/kensmartips.com\/finance\/?p=1646#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/kensmartips.com\/finance\/wp-content\/uploads\/2026\/04\/ytb_thumb-12.jpg\",\"contentUrl\":\"https:\/\/kensmartips.com\/finance\/wp-content\/uploads\/2026\/04\/ytb_thumb-12.jpg\",\"width\":480,\"height\":360},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/kensmartips.com\/finance\/?p=1646#webpage\",\"url\":\"https:\/\/kensmartips.com\/finance\/?p=1646\",\"name\":\"Accountant Explains: 97.8% of What You Need to Know About Money - 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