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Coin Flip

by Coin Flip
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Latest episodes

  • The Fed Hiked. Here's the Savings Move That Works Either Way.

    October 19, 2026 · 11 min

    The Federal Reserve raised rates in September and meets again on October 28. In this episode, host Derek Wu skips the rate-prediction guessing game and offers one savings rule designed to work whether the Fed holds or hikes. He compares…

  • I Bonds: Buy in October or Wait for November 1?

    October 12, 2026 · 10 min

    Treasury resets the I bond fixed rate on November 1, and whatever it is gets locked in for the life of the bond. In this episode, Derek Wu lays out the buy-now versus wait decision at the current 0.90% fixed rate, then offers one simple…

  • The Auto-Renew Trap: What Your ACA Plan Does If You Do Nothing

    October 5, 2026 · 11 min

    ACA open enrollment begins November 1, and for people who buy their own health insurance, doing nothing is still a decision. In this episode, Derek Wu explains how auto-renewal can re-enroll you in a plan that costs more or no longer fits…

  • The Renewal Trap: What Medicare Open Enrollment Auto-Decides For You

    September 28, 2026 · 10 min

    Medicare's Annual Enrollment Period runs October 15 through December 7, and doing nothing means your current plan and premium automatically renew. Derek Wu breaks down what's driving 2027 changes, including a projected Part B premium…

  • The October 14 COLA Number: What To Actually Do With It

    September 21, 2026 · 11 min

    Social Security's 2027 cost-of-living adjustment will be officially announced on October 14, but early estimates from AARP and the Senior Citizens League are already circulating -- and they don't agree. This episode breaks down why those…

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  • HSA or FSA? The 2027 Numbers Just Changed the Math

    September 14, 2026 · 11 min

    Open enrollment decisions often get stuck on numbers that aren't even final yet. This episode breaks down the difference between the IRS-confirmed 2027 HSA limits and the still-unconfirmed FSA projection everyone keeps quoting, then hands…

  • You Picked a Plan. Now You're Stuck in the Queue.

    September 7, 2026 · 11 min

    The SAVE exit deadline has passed, but for borrowers who applied for RAP or IBR, waiting is now the real challenge. Derek walks through what happens to your loan while your application sits in the queue, why the 60-day processing window…

  • The Fed's September 16 Verdict: Cut, Hold, or Something Weirder

    August 31, 2026 · 11 min

    The Fed's September 15-16 meeting is shaping up differently this time around, thanks to a fresh dot plot and new chair Kevin Warsh, whose untested track record on projections adds real uncertainty. Derek Wu breaks down why Warsh's Jackson…

  • Your PSLF Count Just Dropped. Here's What To Do.

    August 24, 2026 · 11 min

    Derek Wu goes solo to unpack the Education Department's confirmed rollback of Public Service Loan Forgiveness (PSLF) payment counts, a change that has already left some borrowers watching years of progress vanish overnight. He traces the…

  • September 29 Is Real: What Happens If You Do Nothing

    August 20, 2026 · 12 min

    Derek Wu tackles the ongoing SAVE plan wind-down and clears up the confusion around servicer notices, repayment deadlines, and what comes next for federal student loan borrowers. The episode breaks down what happens if you ignore a…

  • The Other September Deadline: The 1% Autopay Discount Nobody Told You About

    August 3, 2026 · 10 min

    This episode of Coin Flip breaks down two September student loan deadlines that are just one day apart. Derek Wu explains the widely known SAVE plan exit on September 29 alongside the lesser-known September 30 cutoff to lock in a temporary…

  • Your SAVE Exit Clock Is Ticking: The September 29 Deadline Explained

    July 27, 2026 · 10 min

    Derek Wu flies solo this week to break down the SAVE plan deadline that's been all over the news, and why the date you've heard might not be the date that applies to you. He walks through what happens if you miss your 90-day window, the…

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About the show

Financial decisions for people who hate financial decisions. We break down the choices that actually matter - and help you stop overthinking the rest. Hosted by financial planner Derek Wu, each episode cuts through the noise to give you clear, practical takes on money moves without the jargon or judgment.