Scott and Greg wade into the shadowy corner of TikTok known as FinTok to separate confident-but-wrong money takes from durable, real-world planning. They react to three viral clips—"Three Things Women Need to Know About Money," "Retire in 5 Years with Amazon Dropshipping," and an "income for life" annuity pitch—then close with a listener question on the best place to keep an emergency fund. What you'll hear: Why "earn it, store it, multiply it" is incomplete—and how everyday savers can build wealth without a liquidity event. The passive-income trap: why dropshipping "arbitrage" rarely survives contact with fees, competition, tariffs, and reality. Annuities decoded: bonuses, "guaranteed" growth rates, income bases vs. surrender values, and what you're giving up for a lifetime paycheck. Emergency fund 101: checking vs. high-yield savings vs. money market funds—and how to add just enough "friction" to avoid dipping in. Chapter guide: Open: Why FinTok is often confident…and often wrong Clip #1 — "Three Things Women Need to Know About Money" Clip #2 — "Retire in 5 Years" (Alibaba → Amazon) Clip #3 — "Guaranteed Income for Life" annuity pitch Listener Q: Where should your emergency fund live? Key takeaways: Wealth is personal: define your own future spending goals, then align earnings, savings rate, and investing accordingly. Be skeptical of "income-producing asset" hype—current yield isn't the same as total return, and taxes matter. If an annuity's growth sounds too good to be true, you're probably looking at an income base illustration, not walk-away value. Park emergency cash where it's safe, liquid, and out of sight enough to avoid temptation (often a separate high-yield savings or a brokerage money market fund). Listen on: Apple Podcasts • Spotify • YouTube Disclaimer: This episode is for informational purposes only and not investment, tax, or legal advice. See full disclosures in-episode.

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