About the lab
Money makes more sense in pieces.
Cash Splained is personal finance, taken apart. We show you how money actually works — credit cards, credit scores, insurance, loans, fees and taxes — one teardown at a time. Grab your goggles.
The premise is simple.
Financial products are machines. Credit cards, insurance policies, payday loans, 401(k)s — they all have moving parts, and some of those parts are designed not to be noticed.
So every episode, one money object goes on the Splain Lab workbench and comes apart — exploded-view, museum-diagram style — until you can see exactly which part costs you money and why. When it goes back together, you can't be tricked by it anymore.
The voice at the bench is The Splainer: warm, wry, plain-spoken. A smart friend with a screwdriver — never a finance guru. We skewer systems, never viewers.
House rules
What we will (and won't) do
Education, not advice
We explain how the machine works. We never tell you which card to get, what to buy, or where to put your money. No individualized financial advice, ever.
Every number verified
Every stat in every episode is checked against the cited source before publish. If we can't verify it, it doesn't go on the bench.
No affiliate links
No card recommendations, no sponsored picks, no affiliate or product links anywhere — on the channel or on this site. The teardown is the whole product.
How it's made
Humans at the bench, AI in the toolbox
We believe you should know exactly how the sausage — or in our case, the piggy bank — gets made.
Our standing disclosure
AI DISCLOSURE: This video uses AI-generated narration and some AI-generated imagery. All research, scripts, fact-checking, and creative direction are human-led. Every number is verified against the cited source before publish.
This is education, not financial advice. No card recommendations, no affiliate links — just the machine, taken apart.
Get in touch
Got a bill that deserves the bench?
Send us the fee, the fine print, or the “wait, what?” statement line. It might end up as a teardown.