Would You Rather: Personal Finance Edition

This week’s episode is a little different — and a lot of fun. We’re playing a game of “Would You Rather?” but with a personal finance twist.

Money talk can sometimes feel serious or overwhelming, but today, we’re exploring real trade-offs and decisions through a lighter, thought-provoking lens. From budgeting to investing, debt to lifestyle — we’re asking: What would you do?

💳 Would you Rather - Budgeting & Spending

• Would you rather track every penny you spend for a year — or go on a strict cash-only budget for 3 months?

• Would you rather give up dining out for a year or online shopping for six months?

• Would you rather live on a tight budget in your dream city — or live luxuriously somewhere you’re not excited about?

💰 Saving

• Would you rather hit your savings goal in one year with extreme sacrifice — or over three years with a balanced lifestyle?

• Would you rather get a surprise $1,000 but have to save it all, or get $600 to spend however you want?

📈 Investing

• Would you rather invest in the stock market (with all its highs and lows) — or go with real estate (more work, more control)?

• Would you rather max out your Roth IRA every year for 10 years — or invest a lump sum of $20,000 right now?

🏠 Debt & Credit

• Would you rather refinance your mortgage at a lower rate but extend the term — or pay it off early with higher monthly payments?

• Would you rather be completely debt-free but have no credit score — or have a perfect credit score but still owe $10,000?

🧠 Mindset & Lifestyle

• Would you rather share all your finances with your partner from day one — or keep separate accounts forever?

• Would you rather talk to your parents about money every week — or teach budgeting to a group of teenagers every month?

• Would you rather live modestly forever and retire at 50 — or live luxuriously now and retire at 70?

See you next week!

Byyyyyeeeeeeee