How do you track your spending?
What’s the easiest way for you to save money?
Today, Jay welcomes back Codie Sanchez, entrepreneur, investor, and founder of Contrarian Thinking, to share the mindset shifts needed to thrive financially in today’s world. Codie explains why renting can sometimes be the smarter move, how to negotiate with confidence, and why mastering the language of money, from credit scores to strategic debt, is essential before you can build real wealth. Together, Jay and Codie debunk the myths of financial literacy, showing that clarity and confidence matter far more than complicated strategies.
This conversation takes an honest look at what it really takes to make money in a tough economy, whether that’s launching a side hustle without quitting your job or spotting opportunities that others overlook when markets are down. Codie highlights that building wealth isn’t about chasing trends or quick wins, but about making disciplined decisions, managing risk with intention, and turning problems into possibilities. Together, Jay and Codie also discuss how to grow within your career by understanding your true value, negotiating with confidence, and recognizing that profit and purpose don’t have to compete, they can align in practical, meaningful ways.
In this interview, you'll learn:
How to Negotiate Your Rent and Save More
How to Use Credit the Right Way to Build Wealth
How to Start a Business With Little to No Money
How to Keep Your Job and Still Grow a Side Hustle
How to Turn Problems Into Profitable Opportunities
How to Talk About Money in Relationships
How to Invest Your First $1,000 Wisely
Growth doesn’t come from getting everything right, it comes from learning, experimenting, and treating challenges as opportunities. With curiosity and courage, even problems can become stepping stones forward.
With Love and Gratitude,
Jay Shetty
What We Discuss:
00:00 Intro
02:03 The Best Time to Build Wealth
05:26 Should People Own Homes Anymore?
06:21 Are You Financially Literate?
08:48 Simple Steps to Financial Freedom
12:54 How Much Money Do You Really Need to Start a Business?
15:57 The Three Qualities of a Great CEO
18:05 How to Increase Your Value as an Employee
21:01 The Path to Growth Inside a Company
25:05 The Truth About Hustle Culture
27:29 Passive Income: Real or Myth?
28:48 Why You Shouldn’t Turn Every Passion Into Profit
31:30 What Sets Top Performers Apart
35:10 The Fixer vs. The Freeloader Mindset
38:50 How to Choose the Right Leader to Learn From
40:42 The Power of Surrounding Yourself With the Right People
44:00 Setting Expectations That Lead to Success
48:52 The Lipstick Theory of Recessions
52:01 The Link Between Money and Dating
55:22 How to See Money as a Tool, Not a Goal
59:31 Who Should Really Pay on the First Date?
01:04:15 Understanding Negative Feminine Energy
01:07:49 Why Discussing a Prenup Can Strengthen Relationships
01:11:10 What Makes a Strong and Lasting Partnership
01:14:26 Should You Get Into Business With Your Partner?
01:18:52 What Makes a Deal Truly Great
01:22:52 Why Investing in Yourself Comes First
01:25:06 Investing 101: The Basics You Need to Know
01:26:44 Stocks vs. Bonds: What’s the Difference?
01:27:46 The Next Level of Investing Explained
01:30:39 The #1 Thing People Waste Money On
Episode Resources:
Codie Sanchez | Website
Codie Sanchez | YouTube
Codie Sanchez | Instagram
Codie Sanchez | Facebook
Codie Sanchez | TikTok
Codie Sanchez | LinkedIn
Contrarian Thinking
Main Street Millionaire: How to Make Extraordinary Wealth Buying Ordinary Businesses
See omnystudio.com/listener for privacy information.
On Purpose with Jay Shetty 
