This Time Is Different

This Time Is Different


How to Beat Financial Nihilism w/ Hanna Horvath

November 28, 2025

AI is propping up the economy. Homes aren’t affordable. You don’t feel like you’re making enough at your job. So what do you do? 

Hanna Horvath, CFP®, writes the Substack “Your Brain on Money” and joined Malcolm and Ricky for a conversation about:

- How the definition of being middle class is changing.

- Gen Z’s split preference between socialism and capitalism. 

- Building more agency into your financial life.
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Hosts: Ricky Mulvey, Malcolm Ethridge

Guest: Hanna Horvath

Engineer: Tim Sparks