This week, we're talking money.Do you feel you manage your money well or is there room for improvement? Whether it's skipping the Starbucks in the morning or learning how to invest, there are many ways to go about it.Listen to my 8 practical tips to help you save money and all the habits you can implement in order to improve your relationship with money.

This week, we're talking money.Do you feel you manage your money well or is there room for improvement? Whether it's skipping the Starbucks in the morning or learning how to invest, there are many ways to go about it.Listen to my 8 practical tips to help you save money and all the habits you can implement in order to improve your relationship with money.

I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace.

I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!

I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace.
I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!

On Purpose with Jay Shetty

My name is Jay Shetty, and my purpose is to make wisdom go viral. I’m fortunate to have fascinating conversations with the most insightful people in the world, and on my podcast, I’m sharing those conversations with you. New episodes Mondays and Fridays. Please rate and review the podcast if you enjoy it. Live life today ON PURPOSE.

My name is Jay Shetty, and my purpose is to make wisdom go viral. I’m fortunate to have fascinating conversations with the most insightful people in the world, and on my podcast, I’m sharing those conversations with you. New episodes Mondays and Fridays. Please rate and review the podcast if you enjoy it. Live life today ON PURPOSE.

8 Ways We Waste Money and 8 Ways to Manage it Better

Today, Jay sits down with his dear friend Nischa Shah, a former investment banker and accountant who walked away from a high-status corporate career to help people rethink their relationship with money, success, and freedom. Nischa reflects on the “dark phase” she experienced while climbing the corporate ladder, realizing that the prestige and polish of banking had created a deep disconnect from her true self. Nischa invites listeners to confront a powerful question many of us avoid: “Would I still be happy if I were living the same life five or ten years from now?”

Jay and Nischa shift into practical strategies for navigating money anxiety. Nischa introduces the “ostrich effect,” which is the psychological tendency to avoid looking at our finances out of fear. She shares her simple but powerful “three-bucket” approach to personal finance, where income is intentionally divided between fundamentals, fun, and the “future you.” By reframing the goal from financial success to financial happiness, Nischa offers a clearer, more intentional way to manage money, one that prioritizes peace of mind over status or external validation.

In this interview, you'll learn:

How to Assess Your Career Alignment 

How to Calculate a Financial Cushion 

How to Manage Income Using the Three-Bucket Method 

How to Audit Spending with Three Key Questions 

How to Turn Financial Knowledge into Action 

How to Strategize Paying Off Debt vs. Investing 

How to Increase Your Value and Earning Potential 

It is never too late to begin reclaiming your narrative, whether that starts with building a small financial safety net for peace of mind or finally turning knowledge into decisive action.

With Love and Gratitude,

Jay Shetty

JAY’S DAILY WISDOM DELIVERED STRAIGHT TO YOUR INBOX

Join 900,000+ readers discovering how small daily shifts create big life change with my free newsletter. Subscribe here: https://news.jayshetty.me/subscribe  

Check out our Apple subscription to unlock bonus content of On Purpose! https://lnk.to/JayShettyPodcast 

What We Discuss:

00:00 Intro

00:54 Questioning the Traditional Path 

03:22 The Courage to Walk Away 

06:14 Calculating Your Financial Runway 

07:04 Separating Your Self-Worth from Your Title 

10:49 What is the Ostrich Effect? 

13:45 Fighting Instant Gratification 

14:28 Ask Yourself These Three Questions Before Buying Anything 

18:30 Micro-Habits That Build Real Wealth 

21:29 Spending With Intention  

23:33 Why More Money Doesn’t Always Fix Money Problems 

28:49 Financial Success vs. Financial Happiness 

31:03 Is there Such a Thing as Passive Income? 

34:06 Mastering Long-Term Investing 

36:42 Should You Buy a Home? 

37:42 Breaking the Scarcity Mindset

42:01 Stop Spending to Impress People

44:31 The Problem With Constantly Upgrading 

45:55 How Can You Be of Value To Others? 

49:07 Focus on Earning More, Not Just Cutting Costs 

53:40 Defining Your Personal Freedom 

54:52 The Entrepreneurship vs. Employment Trap 

56:37 Investing in Your Own Skills 

58:47 Short-Term Joy vs. Long-Term Security 

01:00:50 We All Make Financial Mistakes! 

01:01:31 It’s Never Too Late

01:02:48 This or That: Money Edition

01:06:34 Nischa on Final Five

Episode Resources:

YouTube | https://www.youtube.com/@nischa 

Facebook | https://www.facebook.com/profile.php?id=61567018784328 

Instagram | https://www.instagram.com/nischa.me/ 

TikTok | https://www.tiktok.com/discover/nischa-shah

Today, Jay sits down with his dear friend Nischa Shah, a former investment banker and accountant who walked away from a high-status corporate career to help people rethink their relationship with money, success, and freedom. Nischa reflects on the &ldquo;dark phase&rdquo; she experienced while climbing the corporate ladder, realizing that the prestige and polish of banking had created a deep disconnect from her true self. Nischa invites listeners to confront a powerful question many of us avoid: &ldquo;Would I still be happy if I were living the same life five or ten years from now?&rdquo;
Jay and Nischa shift into practical strategies for navigating money anxiety. Nischa introduces the &ldquo;ostrich effect,&rdquo; which is the psychological tendency to avoid looking at our finances out of fear. She shares her simple but powerful &ldquo;three-bucket&rdquo; approach to personal finance, where income is intentionally divided between fundamentals, fun, and the &ldquo;future you.&rdquo; By reframing the goal from financial success to financial happiness, Nischa offers a clearer, more intentional way to manage money, one that prioritizes peace of mind over status or external validation.
In this interview, you'll learn:
How to Assess Your Career Alignment&nbsp;
How to Calculate a Financial Cushion&nbsp;
How to Manage Income Using the Three-Bucket Method&nbsp;
How to Audit Spending with Three Key Questions&nbsp;
How to Turn Financial Knowledge into Action&nbsp;
How to Strategize Paying Off Debt vs. Investing&nbsp;
How to Increase Your Value and Earning Potential&nbsp;
It is never too late to begin reclaiming your narrative, whether that starts with building a small financial safety net for peace of mind or finally turning knowledge into decisive action.
With Love and Gratitude,
Jay Shetty
JAY&rsquo;S DAILY WISDOM DELIVERED STRAIGHT TO YOUR INBOX
Join 900,000+ readers discovering how small daily shifts create big life change with my free newsletter. Subscribe here: <a href="https://news.jayshetty.me/subscribe">https://news.jayshetty.me/subscribe</a> &nbsp;
Check out our Apple subscription to unlock bonus content of On Purpose! <a href="https://lnk.to/JayShettyPodcast">https://lnk.to/JayShettyPodcast</a>&nbsp;
What We Discuss:
00:00 Intro
00:54 Questioning the Traditional Path&nbsp;
03:22 The Courage to Walk Away&nbsp;
06:14 Calculating Your Financial Runway&nbsp;
07:04 Separating Your Self-Worth from Your Title&nbsp;
10:49 What is the Ostrich Effect?&nbsp;
13:45 Fighting Instant Gratification&nbsp;
14:28 Ask Yourself These Three Questions Before Buying Anything&nbsp;
18:30 Micro-Habits That Build Real Wealth&nbsp;
21:29 Spending With Intention&nbsp;&nbsp;
23:33 Why More Money Doesn&rsquo;t Always Fix Money Problems&nbsp;
28:49 Financial Success vs. Financial Happiness&nbsp;
31:03 Is there Such a Thing as Passive Income?&nbsp;
34:06 Mastering Long-Term Investing&nbsp;
36:42 Should You Buy a Home?&nbsp;
37:42 Breaking the Scarcity Mindset
42:01 Stop Spending to Impress People
44:31 The Problem With Constantly Upgrading&nbsp;
45:55 How Can You Be of Value To Others?&nbsp;
49:07 Focus on Earning More, Not Just Cutting Costs&nbsp;
53:40 Defining Your Personal Freedom&nbsp;
54:52 The Entrepreneurship vs. Employment Trap&nbsp;
56:37 Investing in Your Own Skills&nbsp;
58:47 Short-Term Joy vs. Long-Term Security&nbsp;
01:00:50 We All Make Financial Mistakes!&nbsp;
01:01:31 It&rsquo;s Never Too Late
01:02:48 This or That: Money Edition
01:06:34 Nischa on Final Five
Episode Resources:
YouTube | <a href="https://www.youtube.com/@nischa">https://www.youtube.com/@nischa</a>&nbsp;
Facebook | <a href="https://www.facebook.com/profile.php?id=61567018784328">https://www.facebook.com/profile.php?id=61567018784328</a>&nbsp;
Instagram | <a href="https://www.instagram.com/nischa.me/">https://www.instagram.com/nischa.me/</a>&nbsp;
TikTok | <a href="https://www.tiktok.com/discover/nischa-shah">https://www.tiktok.com/discover/nischa-shah</a>

Nischa Shah: #1 Financial Mistake People Make in Their 20s & 30s (Fix It With This Simple System)

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/ca537a71-d8d7-446e-9a3d-b416005c18d7/transcript

Today, Jay invites us to reconsider something we interact with every day but rarely use to its full potential. He challenges the way we see AI, not as a productivity shortcut, but as a powerful mirror for self-awareness. Instead of using it to draft emails or plan meals, Jay reframes it as a space for honest, structured conversations with ourselves, something many of us avoid.

Jay breaks down practical ways to use AI as a tool for inner growth, from conducting a brutally honest life audit to uncovering hidden patterns of self-sabotage. He explains how our minds often protect us from uncomfortable truths, keeping us stuck in cycles we don’t fully understand. When we put our thoughts into words, we create enough distance from our emotions to start seeing patterns we’ve been missing. This isn’t about replacing human connection, but about strengthening it by first learning how to understand ourselves more clearly, honestly, and compassionately.

In this episode you'll learn:

How to Use AI for Deep Self-Awareness

How to Turn AI Into Your Thinking Partner

How to Build Your Personal Operating System

How to Decode Your Emotional Triggers

You don’t have to fix everything overnight. You just have to begin. Because the moment you choose to understand yourself more deeply is the moment your life starts to change.

With Love and Gratitude,

Jay Shetty

JAY’S DAILY WISDOM DELIVERED STRAIGHT TO YOUR INBOX

Join 900,000+ readers discovering how small daily shifts create big life change with my free newsletter. Subscribe here: https://news.jayshetty.me/subscribe 

What We Discuss:

00:00 Intro

01:01 The Most Powerful Way to Use AI

02:47 Why ChatGPT Isn’t Just a Search Engine

05:25 #1: Do a Brutally Honest Life Audit

08:13 #2: Decoding Your Self-Sabotage Patterns 

11:02 #3: Build Your Personal Operating System

13:44 #4: Practice the Hard Conversations First

17:08 #5: Build an Accountability System That Works

20:07 #6: Break Down Your Emotional Patterns in Real Time

23:00 #7: Write the Letter You Never Sent

Today, Jay invites us to reconsider something we interact with every day but rarely use to its full potential. He challenges the way we see AI, not as a productivity shortcut, but as a powerful mirror for self-awareness. Instead of using it to draft emails or plan meals, Jay reframes it as a space for honest, structured conversations with ourselves, something many of us avoid.
Jay breaks down practical ways to use AI as a tool for inner growth, from conducting a brutally honest life audit to uncovering hidden patterns of self-sabotage. He explains how our minds often protect us from uncomfortable truths, keeping us stuck in cycles we don&rsquo;t fully understand. When we put our thoughts into words, we create enough distance from our emotions to start seeing patterns we&rsquo;ve been missing. This isn&rsquo;t about replacing human connection, but about strengthening it by first learning how to understand ourselves more clearly, honestly, and compassionately.
In this episode you'll learn:
How to Use AI for Deep Self-Awareness
How to Turn AI Into Your Thinking Partner
How to Build Your Personal Operating System
How to Decode Your Emotional Triggers
You don&rsquo;t have to fix everything overnight. You just have to begin. Because the moment you choose to understand yourself more deeply is the moment your life starts to change.
With Love and Gratitude,
Jay Shetty
JAY&rsquo;S DAILY WISDOM DELIVERED STRAIGHT TO YOUR INBOX
Join 900,000+ readers discovering how small daily shifts create big life change with my free newsletter. Subscribe here: <a href="https://news.jayshetty.me/subscribe">https://news.jayshetty.me/subscribe</a>&nbsp;
What We Discuss:
00:00 Intro
01:01 The Most Powerful Way to Use AI
02:47 Why ChatGPT Isn&rsquo;t Just a Search Engine
05:25 #1: Do a Brutally Honest Life Audit
08:13 #2: Decoding Your Self-Sabotage Patterns&nbsp;
11:02 #3: Build Your Personal Operating System
13:44 #4: Practice the Hard Conversations First
17:08 #5: Build an Accountability System That Works
20:07 #6: Break Down Your Emotional Patterns in Real Time
23:00 #7: Write the Letter You Never Sent

7 ChatGPT Prompts That Will Actually Change Your Life

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/0cce22b1-9ddb-4adc-acdd-b41300680b7f/transcript

Friendship can feel effortless when we’re young, but as life grows busier and our paths begin to diverge, maintaining meaningful relationships becomes far more complex. Today, Jay brings together powerful conversations with a group of insightful guests to explore why adult friendships change and what it truly takes to build connections that last. Together, these perspectives reveal that friendship isn’t something that simply happens, it’s something we intentionally create and nurture over time. 

Mel Robbins explains why friendships often become harder after our twenties, describing the “great scattering” that happens when people move in different directions and life timelines begin to shift. Andrew Huberman explores the science behind connection and why simple habits like checking in with someone or asking deeper questions can help us feel more seen and understood. Robin Sharma reflects on the idea that a few truly meaningful friendships can be more powerful than a large social circle, encouraging us to focus on relationships that bring joy, growth, and mutual support. 

Trevor Noah shares how his closest friends help anchor him through the loneliness of touring and remind him who he is during difficult moments. Marianna Hewitt talks about the importance of protecting your energy and choosing friendships that leave you feeling energized rather than drained. Together, these conversations remind us that real friendships aren’t defined by how often we see someone, but by the depth of trust, acceptance, and connection we create with the people who truly matter. 

In this episode, you'll learn:

How to Build Meaningful Friendships as an Adult

How to Reach Out to Friends You’ve Lost Touch With

How to Build a Support System That Truly Lasts

How to Maintain Friendships Even When Life Gets Busy

How to Strengthen Your Circle With Small Daily Habits

Real friendships are built through small moments, checking in, being present, listening without judgment, and showing up during both the joyful and difficult times. When we make the effort to reach out, to be vulnerable, and to be present for the people around us, we create connections that can carry us through every stage of life.

With Love and Gratitude,

Jay Shetty.

JAY’S DAILY WISDOM DELIVERED STRAIGHT TO YOUR INBOX

Join 900,000+ readers discovering how small daily shifts create big life change with my free newsletter.Subscribe here: https://news.jayshetty.me/subscribe

Check out our Apple subscription to unlock bonus content of On Purpose! https://lnk.to/JayShettyPodcast 

What We Discuss:

00:00 Intro

01:50 Why is It So Hard To Make Friends as an Adult?

11:04 Understanding the Loneliness Crisis

22:04 Let Joy Guide Your Friendships

23:30 What Makes a Truly Great Friend?

25:58 How to Create Perfect Moments Together

29:52 Why Friendship Is a Choice

40:52 Recognizing Your Energy Drainers

44:28 Building Your Core Circle of Friends

46:36 Creating Healthy Social Circles

48:54 Mindful Eating When Socializing

51:03 Compromises That Strengthen Friendships

56:21 Being Raw and Real with Friends

Friendship can feel effortless when we&rsquo;re young, but as life grows busier and our paths begin to diverge, maintaining meaningful relationships becomes far more complex. Today, Jay brings together powerful conversations with a group of insightful guests to explore why adult friendships change and what it truly takes to build connections that last. Together, these perspectives reveal that friendship isn&rsquo;t something that simply happens, it&rsquo;s something we intentionally create and nurture over time.&nbsp;
Mel Robbins explains why friendships often become harder after our twenties, describing the &ldquo;great scattering&rdquo; that happens when people move in different directions and life timelines begin to shift. Andrew Huberman explores the science behind connection and why simple habits like checking in with someone or asking deeper questions can help us feel more seen and understood. Robin Sharma reflects on the idea that a few truly meaningful friendships can be more powerful than a large social circle, encouraging us to focus on relationships that bring joy, growth, and mutual support.&nbsp;
Trevor Noah shares how his closest friends help anchor him through the loneliness of touring and remind him who he is during difficult moments. Marianna Hewitt talks about the importance of protecting your energy and choosing friendships that leave you feeling energized rather than drained. Together, these conversations remind us that real friendships aren&rsquo;t defined by how often we see someone, but by the depth of trust, acceptance, and connection we create with the people who truly matter.&nbsp;
In this episode, you'll learn:
How to Build Meaningful Friendships as an Adult
How to Reach Out to Friends You&rsquo;ve Lost Touch With
How to Build a Support System That Truly Lasts
How to Maintain Friendships Even When Life Gets Busy
How to Strengthen Your Circle With Small Daily Habits
Real friendships are built through small moments, checking in, being present, listening without judgment, and showing up during both the joyful and difficult times. When we make the effort to reach out, to be vulnerable, and to be present for the people around us, we create connections that can carry us through every stage of life.
With Love and Gratitude,
Jay Shetty.
JAY&rsquo;S DAILY WISDOM DELIVERED STRAIGHT TO YOUR INBOX
Join 900,000+ readers discovering how small daily shifts create big life change with my free newsletter.Subscribe here: <a href="https://news.jayshetty.me/subscribe">https://news.jayshetty.me/subscribe</a> 
Check out our Apple subscription to unlock bonus content of On Purpose! <a href="https://lnk.to/JayShettyPodcast">https://lnk.to/JayShettyPodcast</a>&nbsp;
What We Discuss:
00:00 Intro
01:50 Why is It So Hard To Make Friends as an Adult?
11:04 Understanding the Loneliness Crisis
22:04 Let Joy Guide Your Friendships
23:30 What Makes a Truly Great Friend?
25:58 How to Create Perfect Moments Together
29:52 Why Friendship Is a Choice
40:52 Recognizing Your Energy Drainers
44:28 Building Your Core Circle of Friends
46:36 Creating Healthy Social Circles
48:54 Mindful Eating When Socializing
51:03 Compromises That Strengthen Friendships
56:21 Being Raw and Real with Friends

Jay’s Must-Listens: Making Friends as an Adult Is Hard! (8 Powerful Lessons on Building Friendships That Last)  Ft. Trevor Noah and Mel Robbins

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/a51cbd45-0142-4ea4-a28e-b4110059471c/transcript

8 Ways We Waste Money and 8 Ways to Manage it Better

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