Money Misfits

Transfer Students Are Already Late for Internships

In this episode of Money Misfits, Professor Heath sits down with former College of San Mateo student Sasha Gret, now a transfer student at UCLA, to talk about the real experience of transitioning from community college to a major university—and the pressure to land internships along the way. Sasha shares what the first weeks at UCLA were actually like: the shock of huge lecture halls, the fast-paced quarter system, and trying to build friendships after transferring. For many transfer students, the adjustment isn’t just academic—it’s also learning how the internship recruiting timeline works while still adapting to a new school. Together they break down what students don’t realize about internships until it’s almost too late: companies recruit months in advance, networking matters more than most students expect, and many transfer students feel like they’re playing catch-up. In this conversation, they discuss: • What the first weeks at UCLA really feel like for transfer students • Why the internship search starts earlier than most students think • How transfer students can feel behind compared to traditional four-year students • Where students actually find internships (Handshake, networking events, LinkedIn) • Why joining clubs can make a huge difference in recruiting • How ChatGPT can help students improve resumes and prepare for job searches • Advice for community college students preparing to transfer Sasha also shares the lessons she wishes she knew earlier at community college—including using campus resources, developing strong study habits, and getting involved before transferring. If you're a community college student planning to transfer, this episode will help you understand what the transition really looks like—and how to prepare for internships before it’s too late.  community college transfer transfer student advice UCLA transfer student experience how to get internships in college college internship advice community college to university college recruiting timeline when to apply for internships college college career advice internship search tips how to network in college Handshake internships LinkedIn networking for students business internships college economics major internships college career planning first internship advice transfer student internships community college success stories Money Misfits podcast

Why Financial Aid Makes You Feel Broke

Financial aid is supposed to help… so why does it make so many students feel broke? In this episode of the Money Misfits Transfer Arc, we break down the real experience of financial aid — not the version schools advertise. Because here’s the truth: 👉 Your financial aid doesn’t show up when you need it 👉 It hits all at once… and disappears fast 👉 And if you don’t understand the timing, it can completely mess up your cash flow I sit down with former student + returning guest Michael McDermott to talk through: What financial aid actually looks like after you transfer Why students feel stressed (even when they “have money”) How timing—not just amount—creates financial pressure What to watch out for when receiving and spending aid This isn’t about formulas or theory. This is about how financial aid actually feels — and how to avoid the trap most students fall into. 🎯 If you’re a student, this episode will help you: Understand why you feel broke even with aid Avoid blowing your refund too fast Plan around delays and gaps Think differently about your money before it runs out 🔥 Related Episodes: “Your Bank Account Is Lying to You” “The First 30 Days After Transfer” “Why Students Feel Behind Financially” 💬 Comment below: What surprised you most about your financial aid?

The First 30 Days After Transferring (What No One Warns You About)

Episode 1 opens the Transfer Arc by breaking one of the biggest myths about transferring from community college to a four-year university: the hardest part isn’t the classes — it’s everything else. In this episode, Professor Heath sits down with Yasmina Asfour, a former College of San Mateo student who transferred directly from community college into her junior year at New York University. Together, they unpack what the first semester really feels like — emotionally, socially, academically, and financially. Yasmina shares what it was like moving across the country, managing money for the first time without a safety net, and navigating student loans in a family where debt wasn’t the norm. She describes the initial “freedom phase” of transferring — followed by the shock of realizing she was suddenly expected to think like a junior: internships, career paths, experience gaps, and pressure to already “have it figured out.” The conversation dives into: Why transfer students often feel behind even when they’re doing everything right How financial stress, comparison, and isolation quietly pile up in the first semester The challenge of entering a four-year university as a junior academically but a first-year socially and professionally Why clubs, professors, and early outreach matter more than perfection How community college students can turn “ordinary” jobs into real experience before transferring This episode isn’t about solutions yet — it’s about normalizing the shock. It’s about helping transfer students realize that feeling overwhelmed, anxious, or behind in the first 30 days isn’t failure — it’s part of the transition. Episode 1 sets the emotional baseline for the entire Transfer Arc: You’re not broken. You’re not late. And you’re not alone. The next episodes build from here — moving from shock to cash flow, systems, and stability.

A Calm Beginner Guide for Students Who Want To Start Investing Confidently

If you finally started investing — or you WANT to — but feel stuck wondering “Okay… now what?” this episode breaks it down step-by-step. No hype, no confusing jargon — just a simple path you can actually follow. In this In Detention breakdown, we talk about what to do after your first investment, how to build confidence over time, and the exact long-term system I make my own kids use. We’ll cover habits, Roth IRAs, S&P 500 index funds, diversification, contributing consistently, and how to invest even if you only have $50–$100 to start. Getting started is the hardest part — staying consistent is where the magic happens. 📌 What you’ll learn in this video: • How to confidently invest as a beginner • Roth IRA vs traditional brokerage accounts explained • Why the S&P 500 is a simple starting point for most students • How to diversify without picking individual stocks • How your money can double every 6–7 years • Why time is the biggest superpower young investors have • The rule I force my kids to follow with their money • How to automate investing so you don’t have to think about it • What to do when the market drops (hint: it’s not panic) 📌 Quick Start Plan: Open an investing account (Fidelity, Vanguard, Schwab, etc) Consider a Roth IRA if you’re young and early in your career Start with an S&P 500 index fund or ETF (VOO, SPY, FXAIX, etc) Automate contributions monthly Stay consistent for decades — not weeks You don’t need to be perfect. You just need to start → diversify → stay consistent. If you enjoyed the $100 investing challenge episode, this is the next step. So many comments said “I finally started — now what do I do next?” This video was made for YOU. 🙌 — 💬 Question for you (reply in comments): What’s the next investing goal you want help with? Roth IRA setup? Index funds? How to invest $100 per month? Let me know — I respond personally. 📌 Subscribe for more student-friendly money lessons. New episodes on personal finance, investing, credit, budgeting & building wealth — without the boring tone. #InvestingForBeginners #HowToStartInvesting #CollegeInvesting #RothIRA #SP500 #MoneyMisfits #ProfessorHeath

Three College Students Started With $100 What They Learned Could Change Everything

Three community college students. One $100 challenge. Zero investing experience. In this episode of Money Misfits, I sit down with three of my students—Tyreece Bramwell, Kayson Dahl, and Kenyon Shabazz—to talk about what really happens when young people take their first step into investing. The confusion. The procrastination. The fear. The wins. The losses. The “is this normal?” moments. No hype. No gurus. No fancy Wall Street language. Just three students navigating money the way most of us did: blindly, nervously, and one Google search at a time. What they discovered about investing, consistency, risk, and their own financial future? Could genuinely change everything for them—and for anyone watching. We break down: (1) How to start investing when you feel clueless (2) Why every student procrastinates (and how to push through it) (3) Robinhood vs. Acorns vs. traditional accounts (4) Why consistency beats “perfect timing” (5) The JUCO mindset that translates into wealth (6) What to do when your investments DROP (7) The $100 hoodie flip that turned into a lesson about entrepreneurship (8) How students can build wealth even before transferring If you're a student, young adult, or someone who’s been avoiding investing because you feel unprepared—this episode is for you. They unpack the anxiety and procrastination that comes with being a first–time investor, how they actually got started using tools like ChatGPT and YouTube, and why they chose very different paths, from Acorns and tech ETFs on Robinhood to flipping high–demand hoodies. The conversation dives into why getting started young matters more than picking the “perfect” investment, the power of consistency and diversification, and how their “Bulldog way” mindset shapes how they handle market drops. They also wrestle with real–life tradeoffs like paying off credit card debt versus investing, and talk about retirement accounts, long–term compounding, and building wealth not just for themselves but for their future families. It is a raw, funny, and surprisingly deep look at money, mindset, and what it means to take your first step off the financial sidelines. 🎧 Money Misfits: where real students learn real money. 📚 professorheath.com for workshops & student resources. #MoneyMisfits #InvestingForBeginners #CollegeStudents #FinancialLiteracy #StudentMoney #InvestYoung #PersonalFinance #ProfessorHeath