Summary:

In today’s episode, I unpack the age-old question: Real Estate vs. Stocks—Which is the better investment in 2025? Real estate has long been the “American dream,” but this year, higher interest rates, limited inventory, and saturated short-term rentals make it trickier. Solid financing and smart projections are key.

On the flip side, stocks are more accessible than ever. The S&P 500 is bouncing back, AI and green energy stocks are hot (but volatile), and index funds and ETFs remain strong picks for hands-off investing.

I broke down both options across five key categories: accessibility, passive income, appreciation, risk, and taxes. Stocks win for low barriers and long-term growth. Real estate wins on passive income (if managed well) and tax perks.

So, which one should you choose? Go for real estate if you want tangible assets and monthly cash flow. Pick stocks if you want flexibility and low-effort growth. But honestly—why not both? You can invest in REITs, use stock gains to fund a down payment, or build a hybrid portfolio.

At the end of the day, the best investment is the one that fits you.

Summary:

In this episode of Personal Finance Cat, I explored the difference between frugal living and minimalism—and which one really helps you save more money. Frugal living is about stretching every dollar: hunting for deals, cooking at home, buying in bulk, and fixing instead of replacing. It’s great for short-term savings and ideal if you’re on a tight budget and don’t mind putting in the effort.

Minimalism, on the other hand, is about intentional simplicity. It’s not just about saving money—it’s about spending with purpose. Minimalists focus on owning less, choosing quality over quantity, and avoiding clutter and impulse buys. While it might cost more upfront, it often leads to fewer purchases and more peace of mind over time.

When comparing the two: frugality wins short-term savings and dollar-stretching, but minimalism often leads to longer-term savings, less decision fatigue, and more time back in your day.

My take? You don’t have to choose just one. Combining both—living minimally and frugally—can give you the best of both worlds. Buy fewer things, but find them on sale. Cook at home to save money and simplify life. That’s the sweet spot.

Thanks for tuning in! Until next time, live simply and spend wisely.

Summary:

In this episode, I dive into the top budgeting apps of 2025 to help you find your perfect money partner. Whether you're all about spreadsheets or want your budget on autopilot, there’s something here for you. Here's the quick breakdown:

YNAB (You Need a Budget)

Best for intentional budgeters who love giving every dollar a job. Great for planning and breaking the paycheck-to-paycheck cycle.

💰 Cost: $99/year

⚠️ Steeper learning curve

Monarch Money

Designed for couples and families who want a full financial dashboard, including net worth and investments.

💰 Cost: $99/year

⚠️ No free version

Copilot

iOS-first app with sleek design and smart AI categorization. Perfect for Apple lovers.

💰 Cost: $95/year

⚠️ iOS only

Rocket Money

Ideal for busy users—helps cancel unused subscriptions and lower bills.

💰 Freemium with optional paid services

⚠️ Limited goal-setting tools

Goodbudget

Envelope-style budgeting for folks who like structure and manual control.

💰 Free and paid options

⚠️ Manual entry required

I also mention Mint’s shutdown in 2024, and how Monarch and Copilot have stepped in as strong replacements.

My advice? Pick the app you’ll actually use. Experiment with free trials and see what clicks.