Coin Flip

HSA or FSA? The 2027 Numbers Just Changed the Math

Open enrollment decisions often get stuck on numbers that aren't even final yet. This episode breaks down the difference between the IRS-confirmed 2027 HSA limits and the

You Picked a Plan. Now You're Stuck in the Queue.

The SAVE exit deadline has passed, but for borrowers who applied for RAP or IBR, waiting is now the real challenge. Derek walks through what happens to your loan while yo

The Fed's September 16 Verdict: Cut, Hold, or Something Weirder

The Fed's September 15-16 meeting is shaping up differently this time around, thanks to a fresh dot plot and new chair Kevin Warsh, whose untested track record on project

Your PSLF Count Just Dropped. Here's What To Do.

Derek Wu goes solo to unpack the Education Department's confirmed rollback of Public Service Loan Forgiveness (PSLF) payment counts, a change that has already left some b

September 29 Is Real: What Happens If You Do Nothing

Derek Wu tackles the ongoing SAVE plan wind-down and clears up the confusion around servicer notices, repayment deadlines, and what comes next for federal student loan bo

The Other September Deadline: The 1% Autopay Discount Nobody Told You About

This episode of Coin Flip breaks down two September student loan deadlines that are just one day apart. Derek Wu explains the widely known SAVE plan exit on September 29

Your SAVE Exit Clock Is Ticking: The September 29 Deadline Explained

Derek Wu flies solo this week to break down the SAVE plan deadline that's been all over the news, and why the date you've heard might not be the date that applies to you.

The Fed's Coin Flip Just Got Real: Your July 29 Action Plan

Derek Wu digs into a sudden spike in Fed rate hike odds ahead of the July 28-29, 2026 meeting, tracking how expectations jumped from near-zero to nearly 46.5% and what tr

The Fed Meets July 29: Your Savings Checklist Before the Decision

Derek Wu breaks down why the Fed's July 29th rate decision at 2 PM Eastern isn't just a headline for economists — it's a deadline for a decision sitting in your bank acco

RAP Is Live: The One Move 7.5 Million SAVE Borrowers Need to Make This Week

This episode covers the end of the SAVE student loan repayment plan and what the 7.5 million borrowers affected by its elimination need to do before their 90-day window c

Your Student Loan Just Got Harder. Here's the One Decision That Actually Matters.

With 7.5 million borrowers receiving servicer notices starting July 1, this episode breaks down exactly what the end of the SAVE plan means for your federal student loan

The Fed Held. So What Does That Mean for Your Savings?

This episode of Coin Flip breaks down what the Federal Reserve's latest rate decision means for your savings — covering the hold at 3.50%–3.75%, the leadership transition

Your Cash Is Earning 4% Right Now. That Changes June 17.

This episode of Coin Flip frames the June 17 FOMC meeting as a personal-finance deadline rather than a macroeconomic spectator event. With Polymarket pricing a 99% chance

Pay Down Debt or Invest? The Math on $1.28 Trillion Worth of Bad Timing

This episode of Coin Flip tackles one of the most common financial crossroads: should you pay off credit card debt or put money into investments? Host Derek Wu grounds th

Your Student Loan Clock Starts July 1. Here's Exactly What to Do Before It Does.

This episode of Coin Flip breaks down what 7.5 million student loan borrowers enrolled in the SAVE plan need to do before the roughly September 30, 2026 deadline. The SAV

Rent vs. Buy in 2026: Stop Asking the Wrong Question

In this episode of Coin Flip, Derek Wu breaks down the rent-versus-buy debate with a focus on real numbers rather than popular headlines. He starts with ATTOM's widely ci

You Filed Your Taxes. Now Update This One Form Before You Forget.

This episode of Coin Flip breaks down how to update your W-4 so your paycheck better matches your real tax bill. Derek explains why most W-4s were set under old rules, ho

The SAVE Plan Is Dead. Here Is Your 90-Day Playbook.

This episode breaks down the end of the SAVE student loan repayment plan, what the new 90-day decision window starting July 1 actually means, and how to interpret the wav

Your Tax Refund Is Bigger This Year. Here's Exactly What to Do With It.

In this episode of Coin Flip, host Derek Wu breaks down exactly what to do with your tax refund before it quietly disappears. With the average refund hitting $3,676 in 20