In episode 60 of Financial Conditioning, Simon Karmarkar introduces financial tools for college students, covering budgeting, income management, and expense tracking. He explains zero-based budgeting and the importance of discipline in balancing budgets. Simon also discusses quarterly taxes for the self-employed, payment methods, and Form 1040-ES. He explores choosing the right real estate agent, technology's role in real estate, and commission negotiation. The episode also covers smart cryptocurrency investment strategies, aligning investments with risk tolerance, and understanding crypto taxes, concluding with future financial steps.

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