https://poisefolio.com/podcast/ The Poisefolio Podcast is a daily personal finance show hosted by Daniel and Maya. A new episode every day takes one money headline, explains what it means for your wallet in plain English, and gives you one thing you can do today. Planning tools, not financial advice. en-us Poisefolio The Poisefolio Podcast is a daily personal finance show hosted by Daniel and Maya. A new episode every day takes one money headline, explains what it means for your wallet in plain English, and gives you one thing you can do today. Planning tools, not financial advice. no episodic Poisefolio poisefolio@gmail.com Christmas is about one hundred days away and retailers are already rolling out holiday collections. Maya and Daniel run the math on what the average eight-hundred-ninety-dollar holiday costs when it lands on a credit card versus a three-month sinking fund — and the one ten-minute move to start the fund this week. Correction: in this episode we said Target Circle Deal Days run September 27 through October 5. Per Target's announcement, the sale actually runs October 6-7, with Target Circle 360 early access starting October 5 — September 27 through October 5 is the new-member sign-up window, not the sale itself. SHOW NOTES 0:08 — Cold open 0:54 — Welcome to the show 1:12 — Recap: yesterday's hike preview 1:49 — Money headlines 2:37 — The three-month runway 3:57 — What the card costs 5:01 — Building the fund 6:45 — Today's action step 7:33 — Closing Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Christmas is about one hundred days away and retailers are already rolling out holiday collections. Maya and Daniel run the math on what the average eight-hundred-ninety-dollar holiday costs when it lands on a credit card versus a three-month sinking fund — and the one ten-minute move to start the fund this week. Correction: in this episode we said Target Circle Deal Days run September 27 through October 5. Per Target's announcement, the sale actually runs October 6-7, with Target Circle 360 early access starting October 5 — September 27 through October 5 is the new-member sign-up window, not the sale itself. SHOW NOTES 0:08 — Cold open 0:54 — Welcome to the show 1:12 — Recap: yesterday's hike preview 1:49 — Money headlines 2:37 — The three-month runway 3:57 — What the card costs 5:01 — Building the fund 6:45 — Today's action step 7:33 — Closing Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Mon, 21 Sep 2026 10:00:00 GMT poisefolio-ep012 7:53 no full The Fed's next meeting is October 28th and Goldman Sachs now expects another hike. Maya and Daniel run the math on what variable-rate debt costs you while you wait, and the one money move that gets cheaper the sooner you make it. SHOW NOTES 0:08 — Cold open 0:39 — Welcome to the show 1:18 — Recap: yesterday's debt trigger study 2:10 — Money headlines 3:09 — Five weeks to October 28th 4:47 — The variable-rate math 5:21 — The move: lock in fixed 5:55 — Today's action step 6:32 — Closing Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. The Fed's next meeting is October 28th and Goldman Sachs now expects another hike. Maya and Daniel run the math on what variable-rate debt costs you while you wait, and the one money move that gets cheaper the sooner you make it. SHOW NOTES 0:08 — Cold open 0:39 — Welcome to the show 1:18 — Recap: yesterday's debt trigger study 2:10 — Money headlines 3:09 — Five weeks to October 28th 4:47 — The variable-rate math 5:21 — The move: lock in fixed 5:55 — Today's action step 6:32 — Closing Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Sun, 20 Sep 2026 10:00:00 GMT poisefolio-ep011 7:06 no full A new study of more than one hundred eighty thousand people seeking debt help found one trigger above all others: rising credit card rates. Maya and Daniel run the math on what a single quarter-point hike does to the same monthly payment, and the one move that beats the treadmill. SHOW NOTES 0:08 — Cold open 0:19 — Welcome to the show 0:41 — Recap: yesterday's balance transfer episode 1:19 — Money headlines 2:03 — The Ascend study 3:11 — The treadmill math 4:43 — The counter-move 6:03 — Today's action step 6:49 — Closing Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. A new study of more than one hundred eighty thousand people seeking debt help found one trigger above all others: rising credit card rates. Maya and Daniel run the math on what a single quarter-point hike does to the same monthly payment, and the one move that beats the treadmill. SHOW NOTES 0:08 — Cold open 0:19 — Welcome to the show 0:41 — Recap: yesterday's balance transfer episode 1:19 — Money headlines 2:03 — The Ascend study 3:11 — The treadmill math 4:43 — The counter-move 6:03 — Today's action step 6:49 — Closing Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Sat, 19 Sep 2026 10:00:00 GMT poisefolio-ep010 7:35 no full Two days after the Fed's first rate hike since 2023, Maya and Daniel run the math on the zero-percent balance-transfer window — up to twenty-one months with no interest — what the transfer fee really costs, the three traps that eat the savings, and the one number to write down tonight. SHOW NOTES 0:08 — Cold open 0:25 — Welcome to the show 0:46 — Recap: yesterday's iPhone episode 1:36 — Money headlines 2:15 — The news: the Fed hiked, and the window is open 3:30 — The math: freezing the clock 4:56 — The three traps 6:16 — Your one move tonight 7:05 — Closing: the Debt Payoff Accelerator Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Two days after the Fed's first rate hike since 2023, Maya and Daniel run the math on the zero-percent balance-transfer window — up to twenty-one months with no interest — what the transfer fee really costs, the three traps that eat the savings, and the one number to write down tonight. SHOW NOTES 0:08 — Cold open 0:25 — Welcome to the show 0:46 — Recap: yesterday's iPhone episode 1:36 — Money headlines 2:15 — The news: the Fed hiked, and the window is open 3:30 — The math: freezing the clock 4:56 — The three traps 6:16 — Your one move tonight 7:05 — Closing: the Debt Payoff Accelerator Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Fri, 18 Sep 2026 10:00:00 GMT poisefolio-ep009 7:43 no full New iPhones hit stores Friday: Maya and Daniel run the real math on the carrier 'free phone' offers, the 36-month bill-credit trap, and the lease that rents you a phone forever — plus why a financed phone belongs on your balance sheet. SHOW NOTES 0:08 — Cold open 0:16 — Welcome to the show 0:44 — Recap: yesterday's Fed hike episode 1:18 — Money headlines 2:04 — The news: iPhone eighteen Pro hits stores Friday 3:32 — The lesson: the monthly price is not the price 4:55 — The math: what the "free" phone really costs 7:01 — Your one move today 7:51 — Closing: the Net Worth Dashboard Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. New iPhones hit stores Friday: Maya and Daniel run the real math on the carrier 'free phone' offers, the 36-month bill-credit trap, and the lease that rents you a phone forever — plus why a financed phone belongs on your balance sheet. SHOW NOTES 0:08 — Cold open 0:16 — Welcome to the show 0:44 — Recap: yesterday's Fed hike episode 1:18 — Money headlines 2:04 — The news: iPhone eighteen Pro hits stores Friday 3:32 — The lesson: the monthly price is not the price 4:55 — The math: what the "free" phone really costs 7:01 — Your one move today 7:51 — Closing: the Net Worth Dashboard Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Thu, 17 Sep 2026 10:00:00 GMT poisefolio-ep008 8:45 no full Chase announced its Q4 bonus categories yesterday: 5% back on groceries, dining, and Red Cross donations from October 1st. Maya and Daniel break down the quarter-handoff play — using your Q3 gas and transit bonus before September 30th — plus the math on what 5% is really worth. SHOW NOTES 0:08 — Cold open 0:33 — Welcome to the show 0:51 — Recap 1:35 — Money headlines 2:26 — The news 3:14 — The handoff 4:05 — The math 5:10 — The lesson 6:00 — Your one move today 6:26 — Closing Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Chase announced its Q4 bonus categories yesterday: 5% back on groceries, dining, and Red Cross donations from October 1st. Maya and Daniel break down the quarter-handoff play — using your Q3 gas and transit bonus before September 30th — plus the math on what 5% is really worth. SHOW NOTES 0:08 — Cold open 0:33 — Welcome to the show 0:51 — Recap 1:35 — Money headlines 2:26 — The news 3:14 — The handoff 4:05 — The math 5:10 — The lesson 6:00 — Your one move today 6:26 — Closing Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Wed, 16 Sep 2026 18:00:00 GMT poisefolio-ep006 6:53 no full The Fed raised rates a quarter point, its first hike since 2023. Maya and Daniel break down what it means for your credit cards, mortgage, car loan, and the one piece of good news for savers. SHOW NOTES 0:08 — Cold open 0:23 — Welcome 0:49 — The news 1:27 — Credit cards 2:39 — Homes 3:33 — Cars 4:14 — Retail prices 4:51 — The savers' upside 5:22 — Your one move 5:55 — Closing Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. The Fed raised rates a quarter point, its first hike since 2023. Maya and Daniel break down what it means for your credit cards, mortgage, car loan, and the one piece of good news for savers. SHOW NOTES 0:08 — Cold open 0:23 — Welcome 0:49 — The news 1:27 — Credit cards 2:39 — Homes 3:33 — Cars 4:14 — Retail prices 4:51 — The savers' upside 5:22 — Your one move 5:55 — Closing Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Wed, 16 Sep 2026 18:40:00 GMT poisefolio-ep007 6:04 no full Maya and Daniel break down the IRS's September 15 estimated tax deadline — who has to pay, why the bill blindsides freelancers and side hustlers, and the one monthly habit that makes quarterly taxes boring instead of painful. Plus the safe-harbor trick that kills underpayment penalties. SHOW NOTES 0:08 — Cold open 0:37 — Welcome to the show 1:03 — Recap: yesterday's rate spread 1:48 — Money headlines 2:30 — The news: estimated taxes are due today 3:31 — The lesson: make the tax bill monthly 4:31 — The math: what to actually set aside 5:44 — Today's action step 6:41 — Closing Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Maya and Daniel break down the IRS's September 15 estimated tax deadline — who has to pay, why the bill blindsides freelancers and side hustlers, and the one monthly habit that makes quarterly taxes boring instead of painful. Plus the safe-harbor trick that kills underpayment penalties. SHOW NOTES 0:08 — Cold open 0:37 — Welcome to the show 1:03 — Recap: yesterday's rate spread 1:48 — Money headlines 2:30 — The news: estimated taxes are due today 3:31 — The lesson: make the tax bill monthly 4:31 — The math: what to actually set aside 5:44 — Today's action step 6:41 — Closing Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Tue, 15 Sep 2026 10:00:00 GMT poisefolio-ep005 0:07:37 no full Maya and Daniel preview the Fed's September 15-16 meeting — with traders pricing an 85% chance of a quarter-point hike — and introduce the one number that decides whether rising rates help or hurt you: your personal rate spread. Plus three money moves to make in the 48 hours before Wednesday. SHOW NOTES 0:08 — Cold open 0:25 — Welcome to the show 0:43 — Recap: yesterday's bonus categories 1:18 — Money headlines 2:01 — The news: the Fed decides Wednesday 3:06 — The lesson: your personal rate spread 4:12 — The math: what a hike actually costs you 5:10 — Three moves before Wednesday 6:03 — Your one move today 6:30 — Closing: the Net Worth Dashboard Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Maya and Daniel preview the Fed's September 15-16 meeting — with traders pricing an 85% chance of a quarter-point hike — and introduce the one number that decides whether rising rates help or hurt you: your personal rate spread. Plus three money moves to make in the 48 hours before Wednesday. SHOW NOTES 0:08 — Cold open 0:25 — Welcome to the show 0:43 — Recap: yesterday's bonus categories 1:18 — Money headlines 2:01 — The news: the Fed decides Wednesday 3:06 — The lesson: your personal rate spread 4:12 — The math: what a hike actually costs you 5:10 — Three moves before Wednesday 6:03 — Your one move today 6:30 — Closing: the Net Worth Dashboard Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Mon, 14 Sep 2026 10:00:00 GMT poisefolio-ep004 7:02 no full Maya and Daniel break down Discover's newly announced Q4 bonus categories (5% on entertainment, restaurants, and utilities starting October 1st), why you must activate before you spend, the math on what five percent is really worth, and the one utility bill worth moving today. SHOW NOTES 0:08 — Cold open 0:43 — Recap: yesterday's subscription audit 1:19 — Money headlines 2:03 — The news: Discover's Q4 categories 3:12 — The lesson: how rotating bonuses really work 4:41 — The math: what five percent is actually worth 6:07 — Your one move today 6:52 — Closing: the Credit Card Rewards Tracker Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Maya and Daniel break down Discover's newly announced Q4 bonus categories (5% on entertainment, restaurants, and utilities starting October 1st), why you must activate before you spend, the math on what five percent is really worth, and the one utility bill worth moving today. SHOW NOTES 0:08 — Cold open 0:43 — Recap: yesterday's subscription audit 1:19 — Money headlines 2:03 — The news: Discover's Q4 categories 3:12 — The lesson: how rotating bonuses really work 4:41 — The math: what five percent is actually worth 6:07 — Your one move today 6:52 — Closing: the Credit Card Rewards Tracker Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Sun, 13 Sep 2026 10:00:00 GMT poisefolio-ep003 7:38 no full Maya and Daniel break down ESPN's September 17th price hike and Peacock's new rates, show how a 15-minute subscription audit finds real money, and which card to put the keepers on. SHOW NOTES 0:08 — Cold open 0:26 — Recap: yesterday's Fed episode 1:16 — Money headlines 2:03 — The news: ESPN's price hike 3:04 — The math: what your subscriptions really cost 4:16 — The fix: the 15-minute audit 5:54 — Your one move today 6:41 — Closing: the Subscription Audit Tracker Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Maya and Daniel break down ESPN's September 17th price hike and Peacock's new rates, show how a 15-minute subscription audit finds real money, and which card to put the keepers on. SHOW NOTES 0:08 — Cold open 0:26 — Recap: yesterday's Fed episode 1:16 — Money headlines 2:03 — The news: ESPN's price hike 3:04 — The math: what your subscriptions really cost 4:16 — The fix: the 15-minute audit 5:54 — Your one move today 6:41 — Closing: the Subscription Audit Tracker Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Sat, 12 Sep 2026 10:00:00 GMT poisefolio-ep002 7:12 no full Maya and Daniel break down the hot August inflation report, the Fed's September 15-16 meeting, and what a rate hike would mean for your credit card APR. Plus: avalanche vs. snowball payoff math, and one action step you can take today. SHOW NOTES 0:08 — Cold open 0:25 — Welcome to the show 0:41 — The news: inflation runs hot 0:59 — The Fed meets September 15-16 1:16 — The lesson: how your card rate really works 2:03 — The math: what a rate hike costs you 3:02 — Avalanche vs. snowball 3:48 — Your one move today 4:08 — Closing: the Debt Payoff Accelerator Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Maya and Daniel break down the hot August inflation report, the Fed's September 15-16 meeting, and what a rate hike would mean for your credit card APR. Plus: avalanche vs. snowball payoff math, and one action step you can take today. SHOW NOTES 0:08 — Cold open 0:25 — Welcome to the show 0:41 — The news: inflation runs hot 0:59 — The Fed meets September 15-16 1:16 — The lesson: how your card rate really works 2:03 — The math: what a rate hike costs you 3:02 — Avalanche vs. snowball 3:48 — Your one move today 4:08 — Closing: the Debt Payoff Accelerator Our spreadsheets: - Debt Payoff Accelerator: https://www.etsy.com/shop/Poisefolio - Free tools and articles: https://poisefolio.com Planning tools, not financial advice. Fri, 11 Sep 2026 18:00:00 GMT poisefolio-ep001 4:49 no full