Figuring out how to build a better life — out loud.
I make videos about money, productivity, AI, motivation and where work is heading — the stuff I always wished someone in Bangladesh was talking about properly. I am not an expert handing down answers. I am a student figuring it out, and writing down what I learn so it might save you some time.
What I'm trying to figure out.
Personal Finance
Money that works in taka — not borrowed Western theory.
Productivity
More of what matters, less of what quietly steals your time.
AI Tools
Use the new tools before they quietly replace you.
Motivation
The drive to keep going long after the excitement fades.
Future of Work
Staying valuable while the rules of work keep changing.
That's what I talk about. Here's how I try not to waste your time with it.
Right now I'm a little obsessed with one question: how much of my whole content operation can I run with AI? Research, scripts, systems — all of it. This website is part of that experiment. I'm literally building it by talking to an AI, with basically no coding background.
— updated whenever something changesWhere I'm coming from
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New here? Start with video one.
My videos come out in no fixed order, so it is hard to know where to begin. Pick a track below and go from the first video down — each one builds on the last, with its workbook beside it. It remembers where you stopped on this device.
Not an expert. A student of all of it.
I'm Rafiu. I study at IBA, I passed CFA Level 1, and like a lot of people my age, I'm trying to figure out how to build a life that actually works — financially and otherwise.
Honestly? I started this channel for myself first. Making videos forces me to actually learn things — money, productivity, AI, motivation — instead of just scrolling past them. Even if the channel goes nowhere, I'll have read the books and done the research. That felt like a deal worth taking.
The other reason I make this: I kept wishing someone in Bangladesh was talking about this stuff properly. Nobody really was. So I figured I'd try.
Everything connects back to one question: how does someone with limited time, limited money, and unlimited pressure actually move forward? I research obsessively — academic studies, the best books, Bangladesh-specific data — and share honestly, in our context. Shariah-compliant options always sit alongside the conventional ones.
I've won a couple of finance competitions and cleared CFA Level 1 — I only mention it so you know I do the homework before I open my mouth. But I'm still early in all of this. I'm not ahead of you by much. Maybe a few steps.
Currently building toward CFA Level 2 (May 2027) while running the channel and finishing my degree. Everything I talk about, I'm living simultaneously.
Workbooks & guides, built to be used.
Companion materials for the videos. Each one is free — drop your name and email on its page and the download unlocks. New resources land as new videos release.
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Unlock the free download
Just your name and an email — and the download opens up. You'll also hear when new resources release. No spam, one-click unsubscribe.
Calculators built for taka, not dollars.
Future = whatever is left after needs and wants. If it keeps shrinking toward zero, that's the first thing worth fixing.
Growth rate is an assumption, not a promise. This tool is for planning, not advice.
Inflation quietly shrinks what your money buys. Idle cash isn't 'safe' — it's a slow leak. This shows the size of it.
what today's amount will actually buy then
A flat rate looks smaller but costs much more — it charges on the full amount the whole time. Reducing balance is usually fairer. Compare halal financing before you sign.
Murabaha: the bank buys the asset, then sells it to you at cost plus a profit margin both sides agree on upfront. The price is fixed and doesn't grow if you fall behind. Good for a car, bike, or appliances.
Rough planning model. Assumes rent rises ~6%/year, ignores transfer fees, maintenance and registration. The point isn't a verdict — it's seeing the real numbers behind 'rent is wasted money'.
This is the layer before investing. Keep it somewhere liquid you won't touch — a separate account or a Shariah-compliant liquid fund. Boring on purpose.
Set the growth rate to 0 to see pure saving with no investing. Growth is an assumption, not a promise — use it to plan, not to bet.
The sticker price is the smallest part. Fuel, upkeep and the value it loses while you own it are the real bill. This shows what it actually costs to keep.
per month, all in
List your debts. Avalanche pays the highest-rate one first (saves the most). Snowball clears the smallest one first (best for momentum).
Rates here are yearly profit/finance rates on what you owe. If a plan never clears, your payments are below the monthly cost of the debt — that's the real alarm.
Copy-ready prompts I actually use — for money, study, content and career. Unlock the pack with your name and email; copy as many as you like after.
Say hello. I read everything.
Questions, feedback, collaboration ideas — this is the inbox. For quick stuff, the comments on any video work too.