Money D&A Podcast

 🎙️ Welcome to the Money D&A Podcast! 

In our debut episode, hosts Dale Yim and Andy Bennetts introduce themselves, share their stories, and reveal why they’re passionate about helping people take control of their finances.

💰 Why start a podcast about money? Because most people feel stuck—whether it's debt, budgeting struggles, or confusion about building wealth. We’re here to simplify the conversation, share practical tips, and help you build a brighter financial future.  

🔎 Who’s this for? Anyone looking to break free from debt, grow their savings, or finally feel confident about their financial decisions.  

✅ What to expect: Short, engaging episodes packed with insights, real talk, and actionable steps to improve your money game.  

👉 Tune in and start your journey toward financial clarity today! 

Think budgets are boring or restrictive? Think again. In Episode 2 of the Money D&A Podcast, Dale and Andy break down one of the most misunderstood tools in personal finance: the budget.  

We answer 3 simple but powerful questions: 

1️⃣ Why should I even bother with a budget? 

2️⃣ How do I get started without feeling overwhelmed? 

3️⃣ What can I do to actually stick with it?  

Whether you're living paycheck to paycheck or just want more control over your money, this episode gives you clear steps and mindset shifts to make budgeting simple, flexible, and even freeing.  

A good budget isn’t about saying “no”—it’s about giving your money purpose. 

If your money had a job title, would it be working for you—or someone else? In Episode 3 of the Money D&A Podcast, Andy and Dale dive into the real reason most people feel broke, even when they’re earning decent money.  

We explore three essential questions: 

1️⃣ Who is your money actually working for? 

2️⃣ How do banks, lenders, and credit card companies profit off of you? 

3️⃣ What can you do to flip the script and make your money work for YOU?  

Learn how to take control of your cash flow, stop lining other people’s pockets, and start using your dollars with purpose. It’s time to put your money to work—on your terms. 

Ever wondered how to hold onto more of your hard-earned cash? 💰

In this insightful episode, Dale and Andy dive into the essentials of financial wellness, unpacking the secrets to maximizing your income , cutting unnecessary expenses , and distinguishing between essential spending and discretionary choices. 

Learn how every dollar can have purpose , understand the risks of lifestyle creep , and discover practical strategies for boosting your financial security through diversified income streams  and intentional budgeting. 

Embrace the mindset shift  needed to effectively manage your money, align your spending with your values, and start building lasting wealth today. 

Tune in and transform your approach to money! 

 Is your financial plan missing a layer?  In this episode, Dale and Andy break down the "Birthday Cake" model—a fresh, visual framework for building lasting wealth layer by layer. From cash flow and emergency funds to insurance, debt repayment, and strategic investing, they uncover what most people actually do… and what we should do instead. 

You’ll hear practical wisdom, real-life stories, and why prioritizing the right financial layers can make all the difference. They also talk visual tools, default CTAs, and how to make money conversations easier (and more fun!) with stickers, stories, and simple truths. 

 Tune in to learn how to stack your financial foundation the right way—and take your next step with clarity and confidence. 🙌 

 Think your mortgage is just a monthly payment? Think again. In this eye-opening episode, Andy and Dale break down the true cost of home ownership — revealing how interest can turn a $300K home into a $700K+ investment. 

They explore why no one talks about this stuff in school, how renting can actually be the smarter move for some, and why knowing your numbers matters more than ever. Plus, they dive into faster ways to crush your mortgage and introduce the power of a Financial GPS to guide your way to debt freedom. 

Whether you’re a homeowner, renter, or just trying to figure it all out—this episode is packed with clarity, truth, and strategy. 

Birthday Cake: Protection Layer  

Before you build wealth, you’ve got to protect it. In this foundational episode, Andy and Dale dig into the “Protection Layer” of the Birthday Cake model—where insurance, debt management, and future planning take center stage. 

They unpack why protection comes before investing, and how insurance creates a safety net for your family and legacy. Hear personal stories, bust myths, and discover how to start financial protection the right way—without overwhelm or confusion. 

If you’ve ever put off planning for the unexpected, this one’s your wake-up call. 

Birthday Cake: The Debt Layer 

Is any debt really "good"? 🤔 

In this eye-opening episode, Andy and Dale take on the Debt Layer of the Birthday Cake model—unpacking the real cost of debt, the myths around “good” vs. “bad” debt, and why prioritizing debt payoff is essential for lasting wealth. 

If you’re tired of working for lenders instead of yourself, this episode will give you hope, a plan, and a clear path to freedom.  
 

Birthday Cake: Emergency Fund Layer 

Before you invest, make sure you're protected from the unexpected. 

In this episode, Andy and Dale slice into the Emergency Fund Layer of the Birthday Cake model—breaking down what it is, why it matters, and how to build one (even on a tight budget). They explore the Rule of 72, talk bank fees, compare 401(k)s and Roth IRAs, and share simple steps to create a solid buffer for life’s surprises.

From high-yield savings to automated transfers, they show how small, consistent moves lead to financial peace.Plus, hear why emergency funds beat credit cards, how to give every dollar a job, and what it really means to have time freedom.  

 Birthday Cake: Investment Layer 

You've built the foundation—now it’s time to grow. 

In this episode, Andy and Dale reach the top layer of the Birthday Cake model: Investing. They unpack the big three questions: What do I invest? Where do I invest? And how do I start? From saving and investing to planning for the future, they break down your options in a way that’s easy to understand. 

You'll get clear, practical advice to help you avoid common mistakes, stay focused on long-term goals, and take confident steps forward—no matter where you're starting from.  Don’t wait for the “perfect time.” Start building your future now, one smart layer at a time.