In this wide-ranging and introspective episode, Colin and Wheeler explore the concept of unintended consequences—how innovations meant to improve life can subtly change behavior, expectations, and even our bodies. From the impact of cars and air travel on urban sprawl and health to the way apps like Robinhood have altered generational investing habits, they dig into how compounding effects aren’t always financial—they’re cultural, physical, and deeply personal.

The second half of the conversation zeroes in on the pair’s personal "money principles"—not rules, but values and frameworks that help guide intentional financial choices. Colin shares his "life equation," allocating income to long-term security and freedom spending, while Wheeler expands on the idea that “great is better than now,” drawing from Rick Rubin and personal experience. Together, they offer a grounded but optimistic look at building a life (and portfolio) aligned with who you are and who you want to become.

It’s not just about budgeting or saving—it’s about asking the deeper questions: What does great look like for you? Why are you spending money the way you are? And what trade-offs are you willing to make in pursuit of meaning? With real-life anecdotes and candid reflection, this episode is a reminder that personal finance is more personal than financial.

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Credits:
Created By: Wheeler Crowley and Colin Walker
Production Assistance: Tori Rothwell
Editing and Post-Production: Steven Sims