Season 1 · Nighthawk Notes

The financial literacy show your parents should've made.

A real Gen X dad and his real Gen Z son, arguing over the real numbers from their own household — then translating every one of them for the two-thirds of you who rent.

Watch Episode 1 Find your number →
$31,750what our paid-off house costs to run, per year
~$70Kwhat it'd cost per year to buy it today, at 7.24%
1 in 318–34s currently living with their parents
Why this show exists

Receipts, not opinions.

Finfluencers sell a take. We show you a spreadsheet. Every episode opens with a real bill from our house in Katy, Texas, and ends with what it means whether you own, rent, or still live with your parents.

The premise

Scott built a real spreadsheet

25 years in energy and tech, and almost everything he knows about money he learned ten years later than he should have. This show is that conversation, with real numbers.

The pushback

Jackson calls out dad-speak

He moved back home this year, and his dad wants him to have the tools nobody handed him at 24. So Jackson's a full co-host, not a guest — his job is to ask the "dumb" question and translate every homeowner lesson into a renter's reality.

The tools

Find your own number

Every episode links back to a free calculator on this site, built to answer one specific question with your own real numbers — not ours.

Latest

Episode 1 — Empty Nest, Full House

Our house is paid off. It still costs $31,750 a year. And thanks to a rate hike ten days before we hit record, buying that same house today would run about $70,000 a year. This is the number nobody shows you.

Listen / watch the episode →
Start here

Free tools, built from the show

Tool

Find Your Number

Add up what it actually costs you to exist where you live, and see how far off your gut guess was.

Tool

Buy This Today

See what a house costs to finance at today's rate versus any other rate you remember.

Tool

The Creep

Compare two bills and see exactly how much — and how fast — a cost is climbing.

See all tools →