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      <pubDate>Mon, 15 Dec 2025 02:07:30 +0000</pubDate>
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      <pubDate>Sun, 7 Dec 2025 15:18:10 +0000</pubDate>
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      <pubDate>Sun, 30 Nov 2025 13:01:27 +0000</pubDate>
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      <pubDate>Sun, 23 Nov 2025 20:10:16 +0000</pubDate>
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      <pubDate>Sun, 16 Nov 2025 20:56:50 +0000</pubDate>
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      <pubDate>Sun, 9 Nov 2025 19:16:28 +0000</pubDate>
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      <pubDate>Sun, 2 Nov 2025 18:39:21 +0000</pubDate>
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      <pubDate>Sun, 26 Oct 2025 18:46:47 +0000</pubDate>
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      <pubDate>Sun, 19 Oct 2025 17:01:50 +0000</pubDate>
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      <pubDate>Sun, 12 Oct 2025 17:00:04 +0000</pubDate>
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      <pubDate>Sun, 5 Oct 2025 17:10:16 +0000</pubDate>
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      <pubDate>Sun, 28 Sep 2025 17:09:21 +0000</pubDate>
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      <pubDate>Sun, 21 Sep 2025 16:24:26 +0000</pubDate>
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      <pubDate>Sun, 14 Sep 2025 16:03:16 +0000</pubDate>
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      <pubDate>Sun, 7 Sep 2025 15:30:54 +0000</pubDate>
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      <pubDate>Sun, 31 Aug 2025 17:12:42 +0000</pubDate>
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      <pubDate>Sun, 3 Aug 2025 14:29:56 +0000</pubDate>
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      <pubDate>Sun, 27 Jul 2025 14:11:18 +0000</pubDate>
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      <pubDate>Sun, 8 Jun 2025 12:43:47 +0000</pubDate>
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      <pubDate>Sun, 1 Jun 2025 13:37:09 +0000</pubDate>
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      <pubDate>Mon, 19 May 2025 18:52:06 +0000</pubDate>
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      <pubDate>Sun, 11 May 2025 13:19:32 +0000</pubDate>
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      <pubDate>Sun, 4 May 2025 20:17:25 +0000</pubDate>
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      <pubDate>Mon, 21 Apr 2025 10:12:49 +0000</pubDate>
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      <pubDate>Tue, 1 Apr 2025 20:22:21 +0000</pubDate>
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      <pubDate>Tue, 18 Mar 2025 16:16:31 +0000</pubDate>
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      <pubDate>Tue, 11 Mar 2025 14:52:54 +0000</pubDate>
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      <pubDate>Sun, 22 Dec 2024 10:53:37 +0000</pubDate>
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      <pubDate>Sun, 1 Dec 2024 09:26:13 +0000</pubDate>
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      <pubDate>Sun, 17 Nov 2024 04:06:18 +0000</pubDate>
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      <content:encoded><![CDATA[<p>Delving beyond the 'eighth wonder of the world' cliché, this episode examines how compound interest actually works in modern financial markets. We analyze historical cases where compound interest calculations led to investment disasters and explore why Einstein likely never made his famous quote about it. The discussion includes practical demonstrations of how inflation, taxes, and management fees can dramatically alter compound interest outcomes, challenging the simplified examples commonly used in financial education.</p><br/> <p>Hosted by Simplecast, an AdsWizz company. See <a href="https://pcm.adswizz.com">pcm.adswizz.com</a> for information about our collection and use of personal data for advertising.</p>]]></content:encoded>
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      <description><![CDATA[<p>This episode explores the fascinating history of credit scoring systems and challenges common beliefs about credit score management. We investigate how the FICO score became the dominant metric, examining its original purpose versus current applications, and reveal surprising findings about credit utilization myths. The episode concludes with an analysis of lesser-known factors affecting credit scores and demonstrates why many popular credit-building strategies may actually be counterproductive.</p><br/> <p>Hosted by Simplecast, an AdsWizz company. See <a href="https://pcm.adswizz.com">pcm.adswizz.com</a> for information about our collection and use of personal data for advertising.</p>]]></description>
      <pubDate>Sat, 9 Nov 2024 23:36:41 +0000</pubDate>
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      <content:encoded><![CDATA[<p>This episode explores the fascinating history of credit scoring systems and challenges common beliefs about credit score management. We investigate how the FICO score became the dominant metric, examining its original purpose versus current applications, and reveal surprising findings about credit utilization myths. The episode concludes with an analysis of lesser-known factors affecting credit scores and demonstrates why many popular credit-building strategies may actually be counterproductive.</p><br/> <p>Hosted by Simplecast, an AdsWizz company. See <a href="https://pcm.adswizz.com">pcm.adswizz.com</a> for information about our collection and use of personal data for advertising.</p>]]></content:encoded>
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