Money and finance: topics

People talk about money a lot but rarely clearly. Pick a topic, take a position and explain it with an example. Useful at work and at the kitchen table.

💰 26 topics · 60 seconds to answer · PREP structure

Practice these topics

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How to answer: the PREP structure

  1. Pointyour position in one sentence
  2. Reasonwhy you think so
  3. Examplea real-life case
  4. Point againrestate it, shorter

All 26 topics

  1. What I do with my paycheck firstSpeak →
  2. Save or spend on experiences?Speak →
  3. Should you finance a car?Speak →
  4. How to teach a kid about moneySpeak →
  5. Invest or keep it in savings?Speak →
  6. How I save without feeling deprivedSpeak →
  7. Do you need a financial plan for the year?Speak →
  8. Do expensive things pay off?Speak →
  9. Should you lend money to friends?Speak →
  10. Why do the rich get richer?Speak →
  11. How not to overspend on salesSpeak →
  12. Cash or card?Speak →
  13. How much money do you need to be happy?Speak →
  14. Should you buy a rental property?Speak →
  15. Subscriptions: saving money or eating your budget?Speak →
  16. How to talk about money as a familySpeak →
  17. My most useless purchaseSpeak →
  18. My best purchase everSpeak →
  19. Do you need an emergency fund, and how big?Speak →
  20. How to ask for a raise without fearSpeak →
  21. Is investing in your education worth it?Speak →
  22. Why can't people save?Speak →
  23. Cashback and rewards: a deal or a trap?Speak →
  24. How I'd invest a million dollarsSpeak →
  25. Earn more or spend less: what matters more?Speak →
  26. Does money change people?Speak →

Who this list is for

Topics about money and personal finance: salary, savings, loans, spending. Useful for finance creators, advisers and anyone who wants to talk about money calmly and clearly — with family, clients or an audience.

A common mistake

Speaking in generalities: “you should save”, “loans are evil”. A money answer persuades when it includes a number, an example or a rule people can apply.

Sample answer

Should you finance a car?

I think it’s worth it only if the car earns you money or you can’t get to work without it. Otherwise a loan turns convenience into debt for several years, and the interest can add up noticeably. My rule: the monthly payment shouldn’t exceed ten percent of income. If it does, it’s better to wait a year and save a bigger down payment.

Questions about this list

Do I need to be a finance expert?

No. The topics are everyday ones; what matters is explaining your position clearly.

How do I make the answer more convincing?

Add one number or a rule you use yourself.

Is this list good for a channel?

Yes, many topics are ready ideas for short personal-finance videos.

How a session works

  1. Spin the wheelYou get a random topic from this list — like a question you didn't prepare for.
  2. Speak for a minuteLammy turns speech into text. The coach counts fillers, pauses and pace and checks your structure.
  3. Second takeGet one task and say it again. Your second take almost always scores higher.

More topic lists

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Money and finance: topics

Practice these topics