Nischa Shah: They’re Lying to You About Buying a House! My 65-25-10 Rule Built $200K Passive Income! (Video)
In this 21 July 2025 video, host Steven Bartlett talks with Personal Finance Expert Nischa Shah breaks down the 65-20-15 hack to making money, why saving for a house might RUIN your path to financial freedom, and how to build REAL wealth through passive income, smart money habits, and beginner-friendly investing strategies.
Nischa Shah is a qualified accountant and ex-investment banker who walked away from a 6-figure career to teach millions how to take control of their money. She’s the creator of the fast-growing YouTube channel ‘Nischa’ with over 1 million subscribers, where she breaks down debt, saving, and investing.
She explains:
- The 65-20-15 money framework that generates passive income without a job.
- How to invest in index funds and retire early with compound interest.
- Why your job might be making you poorer every day.
- The dangerous lie about “saving = security” and what to do instead.
- Why the credit card trap is costing you thousands without you realising.
https://youtu.be/NxTsA72O5x0
Timestamps:
00:00 Intro
02:33 My Mission to Spread Actionable Money Tips
04:33 Trauma and the Link to Money Attachment Styles
08:39 The 4 Steps to Take Control of Your Finances
11:41 Rerecorded
12:03 Paying Your Debts
14:00 The Emergency Financial Buffer We All Need
15:12 What to Do With Saved Money
17:14 Do These 3 Things Before Investing
20:05 Why You Should Save for Retirement
23:01 Spending Money for External Validation
27:41 What to Invest In
31:14 How to Get a Salary Raise
37:12 Is Buying a House a Good Investment?
44:49 What Is Opportunity Cost?
48:59 Should You Split Your Investments?
53:47 What Does Nisha’s Portfolio Look Like?
56:45 Ads
57:36 The Best Book to Learn About Finance
01:01:19 Should I Buy or Lease a Car?
01:04:40 Should We Sacrifice Some of Our Enjoyments?
01:07:35 What’s the Best Way to Track Your Numbers?
01:11:16 The Role of Money in Relationships
01:16:23 What Is Passive Income and How to Get It
01:22:02 Ads
01:23:53 Making Millions With YouTube
01:29:45 Doing Your Finances With AI
01:36:33 The Importance of Your Credit Score
01:45:25 What Would You Not Spend Money On?
01:48:57 My Dad’s Words Changed Me
01:58:02 I Felt So Much Pain During My Career
02:01:26 Your Hardest Day
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