Zachary Ryan

06/02/2026

In my latest YouTube video, I was very excited to interview Ian Cohen, who recently turned a $400 satellite entry into $656,200 by winning the World Poker Tour Showdown Main Event, taking down legendary NFL Hall of Famer Richard Seymour heads up for the trophy!

In our interview, we discuss the thrill of winning such a prestigious title, and the windfall that comes with it.

We explore many financial concepts, including managing and investing large sums of money, getting maximum utility and joy out of your money, and strategies for reducing tax burden when you have a big year.

I hope you enjoy the video. Please like and subscribe, as I have plenty more videos in the pipeline!

What would it feel like to turn $400 into over $656,000? Today, I a...

05/29/2026

One personal finance opinion I have that frugal people might not like: Upgrading to a new or almost new car makes a lot of sense if you can swing it.

Driving a 13 year old car when you can easily afford better is not the flex you think it is, especially if you have a spouse and kids.

Safety features have improved dramatically. Adaptive cruise control, lane assist, blind spot detection, backup cameras, and better design for crash situations. All of these features make driving safer and less stressful.

When my wife got pregnant the first time, I bought a brand new SUV, and I never regretted it for a second. Driving is so much nicer of an experience than when I was driving a 2016 sedan.

I’m not saying that’s the right move for everyone, but so many people who are good with their money talk about how old their car is like a badge of honor.

05/27/2026

The hyper frugal FIRE movement vs people who live a YOLO lifestyle, which is the best approach to getting the most out of life? In my newest video, I explore this topic at length, and I break down the economic concept known as diminishing marginal utility very simply, which will help you better understand what a healthy relationship with money looks like!

The full video can be found on my channel ‬ https://youtube.com/

I would encourage everybody to watch it, and drop a comment with your thoughts 👇!

05/26/2026

Hi friends! I just posted my third video to YouTube, and it’s definitely my favorite one to date.

In this video, I’m exploring a difficult dilemma people face with their money: how much to be saving and investing, vs how much to be spending on lived experiences.

I think this video may help you think about your money in a new way!

Please check it out when you have the time, and I’d love to get a conversation going on this topic, either here or in the YouTube comment section! 🙏

Are you constantly torn between saving every penny for retirement a...

05/21/2026

Easy choices now, hard life later.
Hard choices now, easy life later.

I don’t think there are too many truths more universal than this. It applies to maintaining your health and fitness. It applies to raising healthy, disciplined, well-adjusted kids. It applies to growing your career.

Personal finance is one of the greatest examples of this, because of the effects of compounding over time. Investments and good decisions can compound to make your life quite easy, but the opposite is true for debt and poor decision making.

“Easy” now is ignoring debts, spending all of your money every paycheck, and having no plan or vision for your future. You know where this leads. It’s nowhere good.

“Hard” now is paying off and avoiding bad debt, keeping your living expenses in check, saving up to buy things in cash, automating savings and investing every month, and building a bold but realistic vision for your financial future.

“Choose your hard”

05/15/2026

Most people think a financial coach would be all about numbers, but my work is much more about behavior than mathematical. In this clip from my video "What Does A Financial Coach Actually Do?", which you can find on my Youtube channel, I explain my client-driven approach to counseling. I focus on listening to you, your specific circumstances, and using proven methods to help guide you to financial habits that are more aligned with your goals. Check out the full video now!

05/14/2026

Episode 2 on my Youtube channel is a much shorter video, explaining what I do as a financial coach.

I thought this was a valuable piece to make, since a lot of people confuse me with a financial advisor, and I want my ideal clients to be able to hire me with clarity 💡

Let me know what you all think!

I’m very excited about Episode 3, it is currently in pre-production and I do believe it will be the highest value content I’ve ever made. Stay tuned!

Do you feel like your paycheck is not going as far as it should, and you're not achieving your money goals? Maybe it's time you hire a financial coach! This ...

05/05/2026

Millions of Americans exist in a high interest debt cycle, but it doesn't have to be this way.

My first longform video is now up! Check out my Youtube channel Zack Ryan Money Coaching if you want to break the cycle of debt and start getting more out of your money!

05/04/2026

Hi everybody! I just uploaded my first full length video to YouTube. I’m talking all about credit cards and other high interest debt. I’d really appreciate it if you check it out when you have time

I decided I’m gonna pivot to longer form content. I think I’ll enjoy it more, and I’ll also be better at it than the short videos.

Let me know what you think. I’m pretty happy with this as a first attempt. I’m sure I’ll get much better at the editing process as I make more content!

1 like. "Why Carrying Credit Card Debt Is NOT NORMAL"

04/22/2026

It’s easy to feel behind when the world is shouting about “get rich quick” schemes. But real financial health isn’t built on luck: it’s built on a solid foundation.
If you have these three things, you’re already ahead of the curve:
1️⃣ An Emergency Fund. $1,000 might feel small, but it’s a barrier between you and a financial crisis.
2️⃣ No credit card debt: The biggest trap for middle class Americans. Avoiding that 20% interest is CRUCIAL to your financial health
3️⃣ Awareness: Knowing where your money goes before the month starts is a recipe for clarity and stability.
If you’ve checked these boxes, you’re ready for the next level.
📅 Ready to build the rest of the blueprint?
Book your 15 minute strategy call in my LINK IN BIO, and let’s discuss your next moves! 👊