Default Settings
Defaults you’ve never changed that are costing you. Five things — money, security, attention — that you set up once and never thought about again. Roxie thinks you should think about them again.
All episodes
- 1
Stop Using Just Passwords (Setup 2FA in 5 Minutes)
Real talk: passwords alone aren't security. The 5-minute fix that stops 99% of account takeovers.
April 29, 2026 - 2
The 30% Credit Rule Is Wrong (Here's the Real Number)
The 30% credit rule everyone tells you? It's wrong. Here's the actual number — and the timing trick nobody mentions.
April 29, 2026 - 3
AI Isn't Lying — It's Guessing (How Hallucinations Work)
AI doesn't 'lie.' It also doesn't 'know.' It predicts the next word that sounds right. Treat it like a confident intern.
April 29, 2026 - 4
Your Bank Is Ghosting You (Switch to a HYSA)
Big bank pays 0.01%. Online HYSA pays 4.5%. Same FDIC insurance, 450x the interest. Ten-minute fix.
April 29, 2026 - 5
Your Router Password Is Public (Change It Today)
The password on the back of your router is publicly known. The whole internet has it. Ten-minute fix.
April 29, 2026
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