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Rosha Podcasts

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Start your day with a sip of success, a quick, actionable tip to boost your financial knowledge and set yourself up for success. Hosted by Rosha from Roshed Coaching, with nearly two decades of experience in finance, an MBA in marketing, and certification as a business coach and consultant, each one-minute episode delivers bite-sized insights on money management, finance, marketing strategies, and mindset development. Perfect for enhancing your financial literacy, growing your business, and ...
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This podcast is about a variety of topics, from abracadabra all the way to zebra and everything in between. Cover art photo provided by Efe Kurnaz on Unsplash: https://unsplash.com/@efekurnaz Support this podcast: https://podcasters.spotify.com/pod/show/oshonah/support
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When we want to improve, our instinct is to add. More tools. More habits. More features. More hustle. That instinct is usually wrong. There’s an ancient idea called Via Negativa: improvement by subtraction. You don’t create a statue by adding clay. You create it by removing what doesn’t belong. The same is true for your life, money, and business. P…
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Most people work hard to grow assets. Very few think seriously about protecting them. Your home and auto insurance feel sufficient—until something goes wrong. A serious accident or lawsuit can blow past those limits fast. When that happens, the next targets aren’t policies. They’re your savings, investments, and future income. This is why wealthy h…
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Perfect brands feel impressive. They also feel suspicious. When everything looks flawless, people assume something is being hidden. Psychology even has a name for this: the Pratfall Effect. Research shows that when a competent person admits a small flaw, they become more likable and more trustworthy, not less. The same rule applies to marketing. A …
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Loyalty is a virtue in relationships. In personal finance, it’s often a penalty. Banks, insurance companies, and service providers count on one thing: inertia. They hook new customers with low teaser rates, then slowly raise prices on the people who stay. If you haven’t checked your rates in years, you’re paying the Loyalty Tax. And you’re paying i…
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Most brands think they’re competing with other companies. They’re not. Their real competitor is nothing. Most of the time, customers aren’t choosing between you and someone else. They simply aren’t thinking about you at all. That’s not a positioning problem. That’s a salience problem. You don’t need to be loved. You just need to be remembered at th…
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You give great advice to friends. Clear. Rational. Sharp. Then it’s your turn—and suddenly everything feels messy. That’s not a flaw. It’s Solomon’s Paradox. We’re objective with other people’s problems because we’re not emotionally inside them. With our own life, money, or business, fear and ego cloud the view. We’re too zoomed in to think clearly…
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We’re told that having options makes us smart. A backup plan feels responsible. Safe. Mature. But most of the time, those options quietly weaken us. When there’s an easy exit, you don’t commit fully. When things get hard, you don’t push through the wall—you look for the door. History isn’t moved by people with perfect contingency plans. It’s moved …
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Most people think retirement success is about one number: how much you saved. But many plans fail for a quieter reason—sequence of returns risk. Average returns don’t protect you from bad timing. If the market drops hard in the first years of retirement, you still need cash to live. That forces you to sell investments at the worst possible moment. …
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If your reach has collapsed, it’s probably not your ideas. It’s your links. Platforms like LinkedIn and Instagram are not neutral. Their job is to keep people inside the app so they can sell ads. The moment you post “Read more on my blog,” you’re asking users to leave. The algorithm responds by quietly burying your post. The fix is zero-click conte…
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There’s a lie buried deep in investing conversations: average returns. Lose 50 percent one year. Gain 50 percent the next. Sounds like you broke even. You didn’t. You’re still down 25 percent. Losses don’t cancel out gains. They compound against you. The deeper the drawdown, the more brutal the math becomes. A 50 percent loss doesn’t need a 50 perc…
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We’ve been sold the fantasy of work-life balance. Every day, perfectly split. Career, family, health, friends. No trade-offs. No seasons. That idea doesn’t create peace. It creates guilt. Nothing meaningful is built in balance. It’s built in focus. In seasons of intentional tilt. Think of a seesaw. Momentum only comes when you lean. Sometimes that …
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This is not a normal episode. If someone ever messages you and says, “I need 8 minutes,” take it seriously. That message is a signal. It means they’re not okay, and they need a human connection right now. This episode is a reminder of two simple truths: You matter. And help exists. If you’re in a place where giving up feels close, please pause. Rea…
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We spend so much time trying to make everything faster, smoother, instant. But when something feels too easy, customers assume it was easy for you. If they can’t see the work, they can’t value the work. Airlines mastered this years ago. When you search for flights, they don’t give you the results immediately. They show a loading screen: “Searching …
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Your real financial danger isn’t when your bank hits zero. It’s the number that makes your stomach tighten the moment you see it. That is your “Financial Disgust” threshold. Most people keep it far too low. Raise it. Decide that $1,000 is your new emergency floor. Then $5,000. Then more. Your savings grow the moment your standards do. Send us a tex…
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Your most expensive bill isn’t the mortgage, the car payment, or the utilities. It’s the silent cost of waiting for permission. The raise you never asked for. The trip you never took. The idea you keep “planning” but never start. Every month you wait, you pay the Permission Tax in lost income, lost years, lost confidence. Your move this week is sim…
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Most people sell like a pushy salesperson. They pitch first, defend second, and hope something lands. And the buyer’s brain does what it always does under pressure: it puts the walls up. Try this instead. Step into the doctor’s frame. A doctor doesn’t pitch. They ask questions. They listen. They diagnose. Only then do they prescribe. When you stop …
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We practice fire drills at school and at work so we don’t freeze when the alarm goes off. But almost no one does this for their money. Run a financial fire drill while you’re calm, not when you’re scared. Ask yourself three questions tonight: If your income vanished tomorrow, how long could you actually last? What are the first three expenses you w…
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People think money comes from effort. But the market doesn’t reward effort. It rewards judgment. A janitor and a CEO can both grind for ten hours. One is paid for tasks. The other is paid for decisions. Effort has a ceiling. Judgment has leverage. Wealth doesn’t come from working harder. It comes from being accountable for bigger calls — choosing t…
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Most businesses describe themselves like a daily vitamin. Helpful. Nice. Good for you. The problem? Vitamins are the first thing people cut when money gets tight. Aspirins never get cut. Aspirins solve a sharp, painful, urgent problem right now. Aspirins survive every budget review. If your message feels soft, broad, or “nice to have,” the market w…
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We’ve been conditioned to think marketing should appeal to everyone. Make it friendly. Make it safe. Make it broad. That’s exactly why most brands stay invisible. Real marketing doesn’t try to catch everyone. It disqualifies almost everyone. It speaks so specifically that most people say, “Not for me,” and the right people say, “Finally. This is mi…
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We’ve been sold a myth: “You just need more confidence.” So we wait. We wait to feel ready before we launch the idea, ask for the raise, or finally do the thing we keep postponing. But confidence isn’t something you wait for. It’s something you earn. It’s a receipt you get only after you keep a promise to yourself. One tiny promise is enough to sta…
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Money RecAIp! In this episode, Aiden and Faith cover our most important money-related topics of November. So if you want a refresher, here’s your chance! Good Morning, Money! is your daily sip of success! If these topics interest you, I highly recommend commenting the word “Cafe” under any of my Instagram posts (@rosh_the_firewaker) to get more inf…
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Mindset RecAIp! In this episode, Faith and Aiden are covering our most important mindset episodes of November in Good Morning, Money! If these topics interest you, I highly recommend commenting the word “Cafe” under any of my Instagram posts (@rosh_the_firewaker) to get more information on Cafe Society. Good Morning, Money! is your daily sip of suc…
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Marketing RecAIp! In this episode, Faith and Aiden are talking about our marketing-related episodes in November. So if you missed a few episodes, we've got you covered. If these topics interest you, I highly recommend commenting the word “Cafe” under any of my Instagram posts (@rosh_the_firewaker) to get more information on Cafe Society! Send us a …
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“The customer is always right” is the biggest lie in business. One toxic, bargain-hunting client can drain your time, your margin, and your team’s sanity. But the real damage? Your best clients notice. A-players don’t stick around when you tolerate chaos. They want standards. They want a velvet rope. If you serve everyone, you signal you’re not bui…
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Brands keep chasing perfection—slick agencies, perfect lighting, drone shots, cinematic transitions. It feels “premium,” but in today’s world, polished often translates to fake. Consumers scroll right past it. Perfection blends into the wallpaper. What actually breaks through? The “ugly” stuff. A shaky kitchen video. A raw testimonial filmed on som…
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Brands that try to please everyone end up invisible. “Nice” feels safe, but it’s beige. It’s wallpaper. It’s forgettable. When you aim for universal approval, you strip out the very thing that would make people choose you—and defend you. Great brands don’t just stand for something. They stand against something. Not a person—an idea. The status quo …
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Most people feel productive because they’re constantly responding. Inbox pings, Slack dings, a fire pops up—you put it out. It feels useful. It feels necessary. But it’s not progress. It’s maintenance disguised as momentum. The people who change their industry aren’t just problem-solvers. They’re problem-seekers. They look past the symptom and ask …
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When was the last time you were truly bored? Not scrolling, not refreshing, not filling the silence—just bored. We’ve trained ourselves to kill every empty second with stimulation. But that empty space you avoid? It’s not a void. It’s a vacuum. It’s the one place where your brain stops consuming and starts connecting. Where two random thoughts coll…
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We treat the to-do list like scripture. Add more tasks, more habits, more projects—then call the pile “productivity.” But most people aren’t productive. They’re busy. And busy is the enemy of great. Real progress rarely comes from adding. It comes from subtracting. Not the obviously bad habits—we already know how to cut those. The real trap is the …
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A tight budget feels safe. You track every dollar. You optimize subscriptions. You stay “in control.” And that’s great—if your only goal is avoiding disaster. But wealth doesn’t grow in perfectly controlled environments. It grows in the messy moments where luck has room to land. Airtight budgets protect you from bad decisions, but they also block t…
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We’re taught to measure income by how much we make. That’s the rookie lens. What actually matters is the quality of the dollar, not the quantity. Because some dollars demand your life in return, and others quietly build your future. A salary dollar is a Jail Dollar. You trade time you can’t get back. Stop working, and it disappears. It owns you. Bu…
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Most people take 50/50 risks—spend $1,000 to maybe make $1,000 back. Or worse, they take asymmetric downside risks—trade a $50,000 reputation or job for a $5,000 raise. That’s not ambition. That’s math failure. The wealthy play a different game. They hunt for asymmetric opportunities—moves where the downside is capped and the upside is limitless. S…
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You don’t just vote in elections—you vote every day. Every swipe of your card, every click of “Buy Now,” is a ballot cast for a business and everything it stands for. Your money funds more than products. It funds values, supply chains, and behavior. So here’s the hard question: are you voting for the very systems you complain about? Are your dollar…
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Sometimes the perfect fix makes the problem worse. In British-ruled India, the government tried to reduce deadly cobras by paying citizens for every one killed. It worked—until people started breeding cobras for profit. When the program was canceled, breeders released their snakes. The cobra population skyrocketed. Decades later, Wells Fargo made t…
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In 1996, Hotmail faced a problem every startup knows—great product, zero marketing budget. So they built the ad into the product. At the bottom of every email sent through their platform, they added one simple line: “P.S. I love you. Get your free email at Hotmail.” Each user became a walking billboard. Within 18 months, Hotmail had 12 million user…
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In 1999, a little-known startup called Half.com needed attention—but couldn’t afford ads. So they made a wild offer to a real town in Oregon: rename yourself “Half.com, Oregon” for one year. The 300 residents agreed. In return, they got $110,000, 20 school computers, and a new town website. The story exploded. The New York Times, NPR, and the Today…
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Sara Blakely started Spanx with $5,000 of her own savings from selling fax machines. No investors. No debt. She wrote her own patent and bootstrapped her way to a $1.2 billion valuation—all while keeping 100% ownership. Her obsession wasn’t funding. It was freedom. Jan Koum, on the other hand, built WhatsApp with a different philosophy: growth firs…
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Evelyn Adams beat impossible odds—twice. She won the New Jersey lottery in 1985 and 1986, taking home $5.4 million. It should’ve secured her life forever. Instead, she gambled it all away in Atlantic City and, within two decades, ended up broke and living in a trailer park. Her downfall wasn’t bad math—it was mindset. She mistook luck for skill. Wi…
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When sales slow down, most founders panic. Smart ones plan. I coached a boutique agency that hated the quiet of Q1. Our fix was simple: in December, we announced a January 1 price increase and offered a founders rate to anyone who prepaid for six or twelve months before New Year’s. No discounts—just locked-in rates and guaranteed priority slots. Th…
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This episode is for anyone carrying credit card or loan debt. If you’re responsible, skilled, and capable of earning more, you don’t need to panic about scarcity—but you do need to take ownership. No one else will pay your bills. Start with the basics: list all your debts and cut the highest interest first. Every month you delay is money you’re giv…
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Every December, businesses panic: rent climbs, traffic drops, cash tightens. One café I coached broke the pattern with a simple headline: “Buy $100, get a $15 bonus for you.” Within a week, cash started arriving early—and drinks would be redeemed later, if at all. Gift cards are more than a feel-good add-on; they’re a cash-flow system. You collect …
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Thanksgiving reminds us to give thanks—but what if you measured it instead of just saying it? I coached a founder who ended every day by logging three gratitudes and one proof: a number or outcome the day created. Two weeks later, her sleep improved, her energy returned, and her close rate rose. That’s not luck—it’s neuroeconomics. Gratitude flips …
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Every November, the internet turns red. Lines wrap around Starbucks stores before sunrise, baristas move like a pit crew, and everyone walks out holding the same signal—holiday mode activated. That’s Red Cup Day, where Starbucks doesn’t just sell coffee; it sells a ritual. Limited-time flavors, bold visuals, one memorable date, and a single rule—sc…
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Mindset RecAIp! In this episode, Faith and Aiden are covering our most important mindset episodes of October in Good Morning, Money! If these topics interest you, I highly recommend commenting the word “Cafe” under any of my Instagram posts (@rosh_the_firewaker) to get more information on Cafe Society. Good Morning, Money! is your daily sip of succ…
  continue reading
 
Marketing RecAIp! In this episode, Faith and Aiden are talking about our marketing-related episodes in October. So if you missed a few episodes, we've got you covered. If these topics interest you, I highly recommend commenting the word “Cafe” under any of my Instagram posts (@rosh_the_firewaker) to get more information on Cafe Society! Send us a t…
  continue reading
 
Money RecAIp! In this episode, Aiden and Faith cover our most important money-related topics of October. So if you want a refresher, here’s your chance! Good Morning, Money! is your daily sip of success! If these topics interest you, I highly recommend commenting the word “Cafe” under any of my Instagram posts (@rosh_the_firewaker) to get more info…
  continue reading
 
Every December, your feed turns neon—minutes listened, top artists, 2 a.m. songs on repeat. Spotify Wrapped isn’t an ad. It’s a ritual. The company took the driest data imaginable—usage logs—and turned them into you-shaped stories. Loud colors, vertical cards, meme-ready lines. Before PR even made a call, millions of users were doing the marketing …
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Amazon isn’t just an online store—it’s a cash-flow machine. Every time you click “Buy Now,” your card runs instantly, but suppliers might not get paid for 45 or even 60 days. That timing gap funds growth before a single loan is needed. Customers pay today. Vendors wait. Prime members prepay for shipping they’ll use later. Add those together and you…
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LEGO’s comeback wasn’t powered by ads—it was powered by humility. When side projects nearly broke the company, they launched LEGO Ideas, an online platform where fans could submit and vote on new sets. A “Ship in a Bottle.” “Women of NASA.” Every winning design started in a fan’s living room and arrived on shelves with a built-in audience. By launc…
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