The Investing for Beginners Podcast - Your Path to Financial Freedom

A Contrarian Take on AI: Is It Time to Buy Software Stocks?

Thu, 16 Apr 2026 04:00:00 -0000

In this episode, Andrew tackles a listener's question about the recent brutal sell-off in the Software-as-a-Service (SaaS) sector and whether AI is coming to eat Adobe’s lunch. He dives into the real threats facing software companies, unpacks some alarming studies on the psychological impacts of AI, and explains why comparing the current AI boom to the early days of the internet might be a dangerous case of recency bias. Finally, he breaks down Adobe's Q1 numbers to figure out if it's time to "buy the dip."

What You Will Learn:

The SaaS Sell-Off: Why major software companies are seeing massive stock drops, and how AI's ability to code is lowering the barriers to entry for new competitors.
The Usage-Based Threat: The potential for the software industry to shift from a lucrative subscription model to a usage-based model.
The Dark Side of AI: Andrew dives into recent studies highlighting the cognitive decline and mental health risks associated with heavy AI chatbot usage.
AI vs. The Internet: Why comparing the AI boom to the 90s dot-com era might be a mistake due to the centralization and corporate control of AI models.
Recency Bias & Buying the Dip: Andrew shares personal investing stories to illustrate why buying the dip requires deep qualitative research, not just looking at historical numbers.
Adobe's Moat: A look at Adobe's strong Q1 numbers and the debate over whether their "industry standard" status can protect them from AI disruption.

Timestamps:

00:00 - Introduction and a listener's question on Adobe, AI, and the SaaS sector.

01:31 - Why SaaS stocks (Adobe, Salesforce, ServiceNow) have been getting hammered.

02:18 - The threat of AI lowering barriers to entry and shifting SaaS revenue models.

04:51 - Discussing studies on the negative cognitive and mental health impacts of AI usage.

14:09 - Why AI is not the next internet (centralized vs. decentralized).

16:38 - The danger of recency bias in investing and past mistakes.

19:33 - Analyzing Adobe's recent Q1 numbers (ARR and deferred revenue).

24:22 - The hidden dangers of "buying the dip" (Franklin Resources vs. Google).

31:29 - Final thoughts on Adobe's moat and navigating market uncertainty.

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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AAR45 - Is Dollar Cost Averaging Losing You Money?

Tue, 14 Apr 2026 09:00:00 -0000

In today’s episode, Evan (aka Aaron) Raidt and Andrew Sather tackle one of the most debated questions in the investing world: Should you drip your money into the market slowly or dump it all in at once? We break down the psychological hurdles of "waiting for the dip," the math behind historical market performance, and why your emotional temperament might be the most important factor in your strategy.

Topics Covered:

The FOMO Factor: Why waiting for a market crash often leads to missed gains.
Math vs. Emotion: Breaking down why lump sum investing statistically wins, but feels terrifying.
The "Sleep Well at Night" Strategy: How to determine if dollar-cost averaging is the right move for your personality.
Costco & Cash Flow: Lessons from the titans of industry on managing capital.

Timestamps:

00:00 – Intro: Two sick guys and two sets of background noise.

04:15 – Defining Dollar-Cost Averaging (DCA) and Lump Sum Investing.

12:30 – The "Cash Drag" Problem: Why sitting on the sidelines costs you.

22:45 – Case Study: Investing at the peak of 2021 vs. 2022.

31:10 – Andrew’s Take: When to ignore the math and protect your peace.

37:32 – Final Thoughts & Where to start.

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

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Part 2 Translating the Corporate "Suit": Your Guide to Q1 Earnings

Mon, 13 Apr 2026 04:00:00 -0000

In Part 2 of our deep dive into earnings calls, Stephen and Andrew translate the weird metaphors Wall Street loves to use. From "headwinds" to the confusing "puts and takes," they decode exactly what CEOs mean. Andrew explains why most Mergers & Acquisitions (M&A) destroy shareholder value, while Stephen shares a snowboarding story to illustrate what happens when a company gets "ahead of its skis."

What You Will Learn:

Weathering the Storm: Headwinds are industry struggles holding a company back (like inflation), while tailwinds are positive forces pushing them forward. "Green shoots" are early signs that a new growth project is working.
The M&A Danger Zone: When a CEO has an "appetite for M&A" (buying other companies), be skeptical. Andrew notes that up to 90% of mergers fail to create value, and management often over-promises cost-saving "synergies" to justify overpaying.
Getting Ahead of Your Skis: When a company grows too recklessly—like over-hiring before their infrastructure is ready—causing them to eventually crash.
Puts and Takes: Corporate speak for "pros and cons" or "additions and subtractions."
The Value of Listening: Earnings calls aren't legally audited like a 10-K report, but listening helps you gauge management's tone and catch discrepancies between their talk and their numbers.

Timestamps

00:00 - Part 2 of Earnings Call Jargon.

00:11 - Defining "Headwinds and Tailwinds" (The AI semiconductor example).

04:52 - What are "Green Shoots"?

08:00 - The danger of an "Appetite for M&A" (and why 70-90% of mergers fail).

10:03 - The exceptions to the M&A rule: Google buying YouTube and Facebook buying Instagram.

17:31 - Decoding "M&A Synergies" and why they are usually overhyped.

21:02 - What does "Down the Pike" actually mean?

24:48 - "Getting ahead of our skis" (featuring Stephen's painful snowboarding "scorpion" story).

32:52 - The most confusing phrase of all: "Puts and Takes."

39:07 - Final takeaways: Why you actually need to listen to earnings calls.

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

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Part 1 Translating the Corporate "Suit": Your Guide to Q1 Earnings

Thu, 09 Apr 2026 04:00:00 -0000

In this back-to-basics episode of the Investing for Beginners podcast, Stephen and Andrew tackle one of the most intimidating hurdles for new stock pickers: Earnings Calls. Wall Street loves to use complex acronyms to make simple concepts sound sophisticated, but the guys are here to translate. They break down the core structure of an earnings call and equip you with the BS-detector you need to cut through the corporate noise. By the end of this episode, you'll be ready to listen to your first earnings call with confidence.

Key Takeaways

The Anatomy of an Earnings Call: Calls are typically split into two halves: the rosy, pre-written "Prepared Remarks" and the much more revealing "Q&A" section. Andrew shares why he often skips straight to the Q&A to hear the real story.
Beware the "Fuzzy" Math: Management loves to use manipulated, invented metrics to make a struggling business look profitable. Stephen and Andrew explain how to see through the smoke and mirrors of these accounting tricks so you don't get fooled by a bad quarter dressed up in fancy jargon.
Capital Allocation is Everything: According to Warren Buffett, a CEO's primary job is capital allocation. The guys discuss how to judge a company based on how they spend their cash—whether it's on dividends, buybacks, or physical assets—using real-world examples from Amazon and Target.
Protecting the Moat: A truly great company can navigate rising operating costs (like inflation) without crushing its margins. The guys highlight how Texas Roadhouse acts as a masterclass in keeping operations lean even when prices skyrocket.

Timestamps

00:41 - Welcome back to the basics: Decoding Wall Street jargon.

02:15 - What are "Prepared Remarks" and why you might want to skip them.

06:37 - Why analysts are always asking for more "Color."

13:38 - Decoding "Outlook and Guidance" (intent vs. projections).

18:26 - The most important topic: Capital Allocation Priorities.

22:42 - Moving into the accounting weeds: What is EBITDA?

25:02 - The danger of EBITDA and invented Non-GAAP metrics (WeWork & Sunrun).

30:54 - What is TAM (Total Addressable Market) and how it limits growth.

33:08 - Understanding OPEX (Operating Expenses).

34:02 - The Texas Roadhouse Masterclass: Beating rising beef prices.

41:34 - What is CapEx (Capital Expenditures)?

42:05 - Good CapEx (Amazon) vs. Bad CapEx (Target's remodels).

45:14 - Final takeaways: Learning by osmosis and overcoming intimidation.

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

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Learn more about your ad choices. Visit megaphone.fm/adchoices

AAR44 - Taxes Nobody Warns You About

Tue, 07 Apr 2026 09:00:00 -0000

In this episode of At Any Rate, Evan and Andrew break down the hidden tax traps that can catch even the most responsible investors off guard. From the brutal reality of self-employment taxes on your side hustle to the surprise tax bill hiding in your High-Yield Savings Account, they discuss the rules you need to know to protect your wealth. They also cover the "wash-sale rule," how 401K withdrawals can bump your tax bracket, and the massive benefits of utilizing a Roth IRA.

Topics Covered:

The Side Hustle Surprise: Being self-employed means paying both sides of the employment tax (around 15.3%) and requires filing quarterly estimated taxes.
HYSA Tax Trap: The interest earned in a High-Yield Savings Account is taxed as ordinary income and is not automatically withheld.
The Wash-Sale Rule: You cannot sell a stock for a loss to claim a tax deduction and then immediately buy it (or a similar asset) right back within a 61-day window.
401K Withdrawals: Every dollar pulled from a traditional 401K is taxed as ordinary income, which can unexpectedly push you into a higher tax bracket in retirement.
The Roth Advantage: Roth IRAs offer incredible flexibility because you can pull out your contributions at any time without taxes or penalties. However, you must track those contributions yourself.
Forgiven Debt is Income: If a loan is forgiven, that forgiven amount is often treated as taxable income by the IRS.

Timestamps:

01:39 - Welcome and introduction to the "I did everything right" tax trap.

05:12 - Why Evan and Andrew both use professional tax advisors.

07:36 - Side gigs: Self-employment tax and the truth about deductions.

14:44 - The dirty secret of High-Yield Savings Accounts (HYSA).

19:00 - Taxable investing accounts and capital gains.

20:46 - Andrew explains the "wash-sale rule" for tax-loss harvesting.

27:26 - Why 401K withdrawals can push you into a higher tax bracket.

31:13 - Roth IRA rules: Why you must track your own contributions.

35:25 - 529 Plans and the penalties for non-education withdrawals.

37:52 - Quickfire tax traps: Social Security, unemployment, and forgiven debt.

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Dividends vs. Buybacks & The Great Tax Deferral Debate

Mon, 06 Apr 2026 04:00:00 -0000

In this episode of the Investing for Beginners podcast, Stephen and Andrew break down the ultimate capital allocation debate: Dividends versus Stock Buybacks. They discuss the mechanics of how retiring shares increases your slice of the pie, why Wall Street treats dividend-paying companies like "boomers," and the hidden dangers of buybacks used to mask executive compensation. Andrew defends the psychology of cash dividends against Warren Buffett’s tax deferral arguments, and the duo run a live stock screener to identify the biggest buyback monsters and dividend growers of the last five years.

Key Takeaways

A dividend pays cash directly to your brokerage account, while a buyback retires shares, making your remaining percentage of the company more valuable and mathematically increasing Earnings Per Share (EPS).
Wall Street currently favors buybacks, often viewing companies that initiate dividends as having reached the end of their growth phase.

Some companies use buybacks as their primary wealth-building engine. For example, Marathon Petroleum has aggressively reduced its share count by nearly 15% a year over the last 5 years, driving massive stock appreciation.

Timestamps

01:02 - Dividends vs. buybacks debate.

02:57 - How dividends work vs. how buybacks retire shares to increase EPS.

05:41 - The Wall Street stigma: Why paying a dividend is seen as a "boomer" move.

11:53 - The tax deferral argument and Warren Buffett's stance on buybacks.

17:50 - Red flags to watch for: High payout ratios and debt-fueled payouts.

18:39 - The danger of using buybacks to mask stock-based compensation (The Snowflake example).

23:20 - Do you have to choose? Companies that offer both dividends and buybacks.

24:07 - Gun to your head: Andrew chooses dividends to fulfill the ultimate retirement dream of living off the income.

29:13 - Running the stock screener: Surprising dividend growth from Ford.

32:38 - Marathon Petroleum's massive 15% annual share reduction.

35:36 - Stephen's interest in Caterpillar's 30,000-pound EV machines.

41:44 - Why Andrew prefers to invest in management teams that already have a proven track record of returning capital.

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

⁠Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Debunking Wall Street: Why Common Sense Hurts Your Portfolio

Thu, 02 Apr 2026 04:00:00 -0000

In this episode of the Investing for Beginners podcast, Stephen and Andrew take aim at "common sense" stock market advice that might actually be hurting your portfolio. The guys expose 10 sophisticated-sounding traps that even experienced investors fall into. From the "Pokémon Fallacy" of over-diversification to the dangers of blindly buying the dip, they break down why Wall Street jargon often leads beginners astray. Finally, Stephen shares a powerful military analogy to encourage anyone sitting on the sidelines to buy their very first stock.

Key Takeaways

Low Share Price Trap: A $5 stock isn't inherently cheaper than a $500 stock. Focus on market cap and valuation.
"Missed the Boat" Myth: Don't pass on great companies just because they feel "too big" (e.g., Domino's Pizza's historic run).
The Pokémon Fallacy: True diversification isn't just artificially driving up your stock headcount because you "gotta catch 'em all."
Averaging Down Danger: Blindly buying the dip is risky; you might just be throwing good money at your past mistakes.
Volatility ≠ Risk: Temporary PR issues cause massive volatility, but that doesn't mean the underlying business is broken.
Timing the Bottom: Trying to time the exact bottom is a coin flip. Time in the market always beats timing the market.
High Yield Trap: A massive dividend yield often just means the stock price plummeted. Look for sustainability instead.
P/E Oversimplification: A low Price-to-Earnings ratio doesn't automatically mean a bargain; it could be a value trap.
Starting Capital Myth: You don't need thousands to start. Buying your first stock gets the fear out of your system.

Timestamps

01:54 - Exposing 10 sophisticated investing traps.

04:06 - Trap 1: The low share price fallacy.

08:34 - Trap 2: The "missed the boat" fallacy.

14:26 - Trap 3: The Pokémon diversification myth.

20:28 - Trap 4: The danger of buying the dip.

24:24 - Trap 5: The Wall Street analyst mirage.

27:21 - Trap 6: Why volatility does not equal risk.

31:54 - Trap 7: The arrogance of timing the bottom.

36:05 - Trap 8: The high yield trap.

38:27 - Trap 9: P/E ratio oversimplification.

41:18 - Trap 10: Assuming past performance equals future results.

47:19 - You don't need thousands of dollars to start.

51:04 - Stephen's gun range analogy for buying your first stock.

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

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AAR43 - Your 401k Might Be Holding You Back

Tue, 31 Mar 2026 09:00:00 -0000

In this episode of At Any Rate, Evan and Andrew tackle the sacred cow of personal finance: the 401K. While everyone knows about the amazing tax benefits and the undeniable power of an employer match , the duo discusses how maxing out your 401K could actually be holding you back financially. From the painful reality of having your money locked up until age 59½ , to the restrictive investment options , Evan breaks down why a massive 401K balance doesn't always equal financial freedom.

Topics Covered:

The Employer Match is King: No matter the downsides, both Evan and Andrew agree that taking full advantage of your company’s 401K match is an absolute must—it is a guaranteed 100% return.
The Locked-Up Wealth Trap: Having millions in a 401K sounds great, but if 90% of your net worth is inaccessible without massive penalties, you cannot retire early or easily fund major life events.
The Problem with High Limits: The $24,500 contribution limit for 2026 is mathematically out of reach for most average households, making it an unrealistic benchmark for success.
The Three-Tier Strategy: Evan shares his personal strategy: hit the employer match in the 401K, pivot to maxing out a Roth IRA for flexibility, and put the rest into a high-yield savings account or HSA.

Timestamps:

00:00 - The 10,000-foot view: What is a 401K and what are the major upsides?

05:39 - Downside #1: Your money is locked up until 59½.

10:26 - Downside #2: The contribution limits are unrealistically high for most.

13:18 - Downside #3: Limited investment options (No stock picking!).

15:35 - Evan's personal strategy for managing his 401K and taking advantage of bonus matching.

18:31 - Why a Roth IRA is often a better alternative for flexibility.

24:20 - HSAs and High-Yield Savings Accounts as secondary options.

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

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Is the CEO Lying? How to Read a Cash Flow Statement

Mon, 30 Mar 2026 04:00:00 -0000

In this episode of the Investing for Beginners podcast, Stephen and Andrew look beyond the income statement to uncover how healthy a company truly is by diving into the cash flow statement. Along with addressing some hilarious rumors about Andrew's perfectly styled hair, the duo breaks down the nuts and bolts of working capital—including accounts receivable, inventory, and accounts payable. They discuss how to spot red flags like channel stuffing or single-customer reliance, and why companies like Costco and Amazon possess the ultimate "cheat code" of negative working capital.

Key Takeaways

Revenue Isn't Everything: The cash flow statement tells the real story of a company's financial health, beyond record revenues.
Working Capital Basics: The short-term building blocks (cash, inventory, receivables, payables) needed to run a business.
Accounts Receivable Red Flags: If receivables outpace revenue growth, it could signal "channel stuffing" or unpaid bills from a major customer.
Inventory Pile-Ups: Using Days Inventory Outstanding (DSI) helps spot companies (like Boeing or Microchip) building up unsellable inventory.
The Negative Working Capital Cheat Code: Giants like Costco and Amazon bring in cash from customers long before paying vendors, creating free financing for growth.
Context Matters: A high PE ratio or a slow cash conversion cycle might be perfectly fine depending on the specific industry context.

Timestamps

01:51 - Why the cash flow statement is more important than the income statement.

05:08 - Defining working capital and why the cash gap exists.

11:20 - Red flags in accounts receivable and single-customer reliance.

18:52 - Why an unseasonal spike in inventory is dangerous.

23:42 - Using Days Inventory Outstanding (DSI) to track Boeing and Microchip.

27:36 - How Amazon and Costco operate with negative working capital.

34:44 - The Cash Conversion Cycle: Coke vs. Pepsi and Target vs. Walmart.

38:22 - Stephen's rant: Why the fluidity of financial metrics is frustrating.

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

⁠Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Ferrari's Pricing Power Personified & The Chutzpah of Scarcity

Thu, 26 Mar 2026 04:00:00 -0000

In this episode of the Investing for Beginners podcast, Stephen and Andrew dive into the fascinating business model of Ferrari, arguing that it operates more like a luxury lifestyle conglomerate than a traditional automaker. They contrast Ferrari's strategy of prioritizing value over volume against the traditional auto industry's "race to the bottom". By digging into Ferrari's 20-F, they unpack the company's record-high operating margins, absolute pricing power, and why a staggering amount of their revenue comes just from customizing the cars. Finally, the duo debates the upcoming release of Ferrari's first fully electric supercar and whether a quiet engine will hurt the brand's legendary allure.

In This Episode, You’ll Learn:

Because Ferrari is a foreign company traded in the US, investors need to look for their 20-F form instead of a standard 10-K
Ferrari shipped fewer cars in 2025 (13,640 units) than in 2024, yet total revenue still grew by 7% to $7.1 billion
A staggering 20% of Ferrari's total revenue comes purely from custom paint, bespoke stitching, and unique interior materials
When a company's sales volume drops but its total revenue still goes up, it is a textbook indicator of supreme pricing power

Timestamps

00:00 - Introduction and pre-show lighting adjustments.

01:52 - Welcome: Why Ferrari is a Rolex with a V12 engine.

02:37 - Navigating the 20-F: Finding foreign company filings.

04:45 - The automaker race to the bottom vs. Ferrari's scarcity model.

11:04 - Comparing operating margins: Ferrari vs. Tesla, GM, and Ford.

13:06 - Breaking down units sold, revenue, and custom paint.

17:41 - Defining pricing power and long-term compounding.

23:25 - Ferrari's impressive ROIC and 5-year revenue growth.

24:29 - Analyzing Ferrari's premium P/E ratio (34 to 36).

29:38 - The ultimate test: Ferrari's first fully electric supercar in May.

40:33 - Stephen and Andrew's all-time favorite luxury cars.

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

⁠Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

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AAR42 - College Scholarships 101

Tue, 24 Mar 2026 09:00:00 -0000

In this episode of At Any Rate, Evan Raidt and Andrew Sather dive into college financial aid. They cover the crucial differences between scholarships, grants, and fellowships—highlighting that they offer tax-advantaged money you don't need to pay back. Evan shares how he graduated debt-free by leveraging the UCF Provost and Florida Bright Futures scholarships, while Andrew reflects on his own high school experience. They also discuss why filing the FAFSA is non-negotiable, the "throw spaghetti at the wall" application method, and the power of automated 529 savings accounts.

Topics Covered:

Filing the FAFSA is the best initial step to access hundreds of financial aid opportunities.
Apply for everything. Do not self-reject.
Grades are a vital tool to help you stand out and qualify for awards.
Ensure any loan payments will keep you below 20% of your conservative expected entry-level income.
For parents, 529 savings accounts allow college funds to compound and be spent entirely tax-free.

Timestamps:

00:00 - College Scholarships

01:25 - Differences between Scholarships, Grants, and Fellowships

04:21 - Why the FAFSA is the starting point for free money

06:06 - The "spaghetti on the wall" mindset for applying

12:34 - Advice for parents: How to motivate teens

17:38 - Why a solid baseline GPA is vital

19:20 - Evan's story: The UCF Provost and Bright Futures scholarships

27:16 - Responsibly evaluating student loans

28:59 - Parent cheat code: Tax-free compounding with a 529 Account

34:07 - Episode wrap-up and contact info

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

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How the Crisis in Iran Could Spark the Next Financial Revolution

Mon, 23 Mar 2026 05:00:00 -0000

In this episode of the Investing for Beginners podcast, Andrew and Stephen tackle the massive macroeconomic shifts happening right now due to the ongoing conflict in Iran. With the Strait of Hormuz blocked, the global flow of oil and liquid natural gas has been severely choked, causing energy prices to skyrocket—not just at the pump here in the US, but even more drastically across Europe and Asia. But what does this mean for the US Dollar, and how does a global crisis create a "vacuum effect" that sucks liquidity out of other nations?

In This Episode, You’ll Learn:

How the conflict in Iran and the blockading of the Strait of Hormuz is impacting global energy supplies.
Why the US Dollar acts as a safe haven during a global crisis.
Stephen shares his first-hand experience witnessing the economic devastation in Greece.

Timestamps 00:00 - The impact of the war in Iran on global gas prices 11:15 - Why Europe and Asia feel the energy squeeze harder than the US 14:04 - Why Wall Street has been slow to react to the blockading of the Strait of Hormuz 17:10 - The "Dollar Milkshake Theory" 22:52 - Why energy demands equal dollar demands 25:42 - Stephen's experience witnessing the currency crisis in Greece 36:26 - TStablecoins: What are they and how do they solve currency devaluation? 46:19 - The hurdles of mass digital adoption 55:19 - Deep dive into Circle (USDC)

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

⁠Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

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The Traits of Elite Investors with Lee Freeman-Shor

Thu, 19 Mar 2026 09:00:00 -0000

What separates the world’s greatest investors from the rest? In this episode of the Investing for Beginners podcast, Andrew sits down with Lee Freeman-Shor, former fund manager and author of The Art of Execution and the hotly anticipated follow-up, Stock Market Maestros. Lee shares his fascinating experience managing over 100 top fund managers and reveals a shocking truth: even the best investors in the world only get their stock picks right about 49% of the time.

In This Episode, You’ll Learn:

The 49% Reality Check
The Losers (How to handle falling stocks)
The Winners (How to handle rising stocks)
Know Thyself

Timestamps

00:46 - Lee's background managing the "Best Ideas" fund.

02:12 - The shocking truth: Even billionaire investors are only right 49% of the time.

09:24 - The Five Tribes of Investing: How people behave when winning and losing.

24:35 - Why Lee wrote Stock Market Maestros.

32:32 - Do elite investors ever break their own rules? (The importance of self-awareness).

35:00 - The quirky habits of top managers (Walking in the woods, Dirty Harry pop-ups).

39:56 - Lee's final takeaway for beginner investors: Execution matters more than stock picking.

Resources Mentioned

Stock Market Maestros: The Winning Habits, Strategies, and Mindsets of the World's Best Investors by Lee Freeman-Shor and Clare Flynn Levy

https://a.co/d/0aOWaRd4

The Art of Execution: How the World's Best Investors Get It Wrong and Still Make Millions by Lee Freeman-Shor

https://a.co/d/0hoLjtPu

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

⁠Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

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AAR41 - Listener Q&A: DIY Investing vs. Wealth Managers?

Tue, 17 Mar 2026 09:00:00 -0000

In this episode of At Any Rate, Evan Raidt and Andrew Sather dive into a fantastic listener question from Joey. Joey asks a common but critical question: if a standard market ETF averages 10% a year, but a wealth manager can get you 16% for a 1% fee, shouldn't you just hire the professional?

Topics Covered:

The Reality of 16% Returns: Andrew explains why finding a manager who can consistently beat the market by that much, decade after decade, is incredibly rare.

Evan's Wealth Manager Experience: Evan shares his two-and-a-half-year experience using an Edward Jones wealth manager and why the transparency and simplicity of ETFs ultimately won him over.

Timestamps:

01:09 - Intro & getting the episode kicked off.

02:26 - Listener Q&A: Joey asks if a wealth manager is better than DIY investing.

04:04 - The SPIVA Report: Why roughly 90% of active managers fail to beat the market.

07:22 - Is a consistent 16% return from a wealth manager actually realistic?

18:25 - How to get over the overwhelming feeling of starting your DIY investing journey.

26:34 - Why ETFs offer the best balance of low effort and high statistical probability of winning.

33:25 - What to expect in the short term versus the long-term "snowball" effect.

41:25 - Final thoughts and episode outro.

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Listener Q&A: Should You Adjust Your WACC for Inflation?

Mon, 16 Mar 2026 04:00:00 -0000

In this episode, Andrew and Stephen get into the financial weeds to answer a great listener question from passaro94 about how inflation actually impacts a company's value. We break down the macroeconomic side of investing—explaining exactly what the Federal Reserve does, the critical differences between inflation and deflation, and how the best businesses account for these economic shifts using pricing power.

Finally, we take it a step further and explain how to practically tie inflation into your WACC (Weighted Average Cost of Capital) and DCF (Discounted Cash Flow) calculations so you can accurately value stocks no matter what the economy is doing.

In This Episode, You’ll Learn:

What the Federal Reserve actually does and why it matters to everyday investors.
The difference between inflation and deflation.
How businesses use pricing power to survive (and thrive) during inflation.
How to properly factor inflation into your Discounted Cash Flow (DCF) models.

Timestamps

00:00 - Intro & getting into the financial weeds

04:30 - Listener Q&A: passaro94 asks about adjusting WACC for inflation

12:15 - What does the Federal Reserve actually do?

21:00 - Inflation vs. Deflation: What beginners need to know

28:45 - How businesses survive inflation using pricing power

36:20 - Tying inflation into your WACC and DCF valuation models

43:30 - Final thoughts

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

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The New Cola Wars

Thu, 12 Mar 2026 04:00:00 -0000

If you watched the Super Bowl, you probably saw the commercial where the Coca-Cola polar bear did a blind taste test, picked Pepsi, and had to go to therapy. It was hilarious, but what a lot of people don't realize is that is exactly how the original Cola Wars started back in 1975!

Today, Stephen and Andrew dive into the economics of company rivalries. From Coke vs. Pepsi to Costco vs. Sam’s Club and Starbucks vs. Dunkin', we break down the numbers to see who actually comes out on top—and how researching a competitor is the ultimate cheat code for understanding the stock you actually want to buy.

In This Episode, You’ll Learn:

The Original Cola Wars: A quick history of the 1970s battle between Coke and Pepsi, and what investors can learn from their aggressive marketing tactics.
The Economics of Rivalry: How to look at the financials of two competing giants to see who actually holds the market advantage.
The Ultimate Cheat Code: Why researching a company's biggest competitor gives you the best, unbiased data on the stock you actually want to invest in.

Timestamps

04:47 - Pepsi’s Massive Revenue vs. Coke’s Profit Margins

11:06 - Why Revenue is Vanity and Profit is Sanity

12:25 - Comparing Completely Different Business Models

17:14 - Starbucks’ Sinking Margins

29:30 - Why 65% of Costco’s Profit is Subscriptions

36:00 - Does Costco Have the Ultimate Economic Moat?

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

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AAR40 - From Navigating Debt to Long-Term Wealth with Stephen Morris

Tue, 10 Mar 2026 09:00:00 -0000

In this episode, Evan Raidt welcomes Stephen Morris, the new co-host of the Investing for Beginners podcast. Stephen opens up about his unique personal finance journey, from experiencing early financial trauma. They discuss why his nuanced take on Dave Ramsey, and why he completely abandoned the high-stress world of day trading in favor of long-term, "chill" investing.

Topics Covered:

Stephen’s childhood financial awakening and how it shaped his lifelong aversion to bad debt.
A nuanced take on Dave Ramsey's teachings and knowing your own discipline.
Why true wealth is defined by freedom, time, and family security.
The brutal 11-hour days and intense stress of day trading.
The power of getting over your fear and buying your very first stock.

Timestamps:

01:42 Stephen's First Financial Awakening

04:42 The Military Bonus and Financial Regrets

07:29 Re-evaluating Debt and Dave Ramsey

12:33 Bringing Anti-Wall Street Bully Values to IFB

15:13 Defining Wealth as Freedom and Security

19:24 Why Long-Term Investing is "Chill" Investing

23:21 Leaving the Stress of Day Trading Behind

29:29 The Importance of Buying Your First Stock

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

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Stop Chasing Hype: The Unsexy Reality of Long-Term Investing

Mon, 09 Mar 2026 04:00:00 -0000

Everyone online wants to sell you a "get rich quick" scheme, but is gaining wealth really that easy?

In reality, true investing is often boring and less sexy than what you see on social media. Today, Andrew and Stephen dive into the 10 unsexy investing truths that no one wants to talk about but are essential for your long-term success.

Key Topics Covered:

Why it is okay (and often better) to invest with your conscience.
The "Tinker Stinker": Why doing nothing is frequently the best move you can make.
Why the details of capital allocation matter, even if they aren't "fun."
The reality of underperforming the S&P 500 and why even Warren Buffett deals with it.
Why reading 10-Ks is mandatory and there are no shortcuts to deep research.

Timestamps:

00:00 - Intro: The "Get Rich Quick" Myth

02:14 - Truth #1: Investing With Your Conscience

08:42 - Truth #2: The Details Matter (Even the Boring Ones)

11:54 - Truth #3: The Power of Doing Nothing

14:14 - Truth #4: More Work Doesn't Always Mean Better Results

20:07 - Truth #5: Underperforming the S&P 500

21:38 - Truth #6: The Importance of Portfolio Management

26:55 - Truth #7: Market Crashes are a Feature, Not a Bug

31:09 - Truth #8: You're Going to Be Wrong (A Lot)

35:32 - Truth #9: Reading 10-Ks is Mandatory

40:32 - Truth #10: Compounding Takes Decades, Not Days

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

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Why Wall Street is Wrong About Superstar CEOs

Thu, 05 Mar 2026 05:00:00 -0000

Is the CEO of a company really as important as Wall Street makes them out to be, or are investors putting too much faith in loud visionaries?

In this episode, Stephen and Andrew tackle a controversial topic: whether Wall Street overly obsesses over the CEO. They break down the real value of capital allocation, compare visionary leaders to operational leaders, and discuss why a flashy CEO might actually be a red flag for your portfolio.

We discuss:

Why Wall Street might be overvaluing the role of the CEO.
The definition of capital allocation and the 5 main uses of a company's profits.

The critical difference between a "Visionary" CEO and an "Operational" CEO.
Red flags to watch out for, including CEOs who brush off industry threats.

Why you shouldn't invest in a stock just because the CEO is loud or famous.

Timestamps

01:22 - Does Wall Street overly obsess over the CEO?

07:09 - What is capital allocation?

07:47 - Buffett's top 3 brilliant capital allocation moves.

14:13 - The danger of CEOs who burn through cash.

17:55 - CEO red flags to watch out for.

20:52 - Visionary vs. Operational CEOs (and the Apple example).

25:03 - The massive risks of betting on a visionary CEO too early.

33:45 - The business lesson we can learn from Crocs and AirPods.

40:18 - The final takeaway for beginner investors.

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Get your free quote and see how much you could save at⁠ ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

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AAR39 - How to Build Wealth in Your 20s (Without Ruining Your Life)

Tue, 03 Mar 2026 10:00:00 -0000

Are your 20s a time for taking massive risks and experimenting, or is it the most critical decade for laying a rock-solid financial foundation? In this episode of At Any Rate, Evan Raidt and Andrew Sather break down exactly how to navigate your finances in your 20s. They discuss the unmatched power of compound interest, why building good habits matters more than a high salary, where to park your savings, and the debate over whether a college degree is actually worth the cost.

Topics Covered:

Why compound interest makes your 20s the most critical decade for investing
The debate on using your 20s to "take massive risks" vs. building a stable foundation
Why paying attention to your money and utilizing a budget is the first major step
Where to put your savings
Building "Career Capital"
The College Debate: Is a degree necessary

Timestamps:

02:56 Why starting in your 20s is critical for compound interest

6:42 Are your 20s for taking massive risks or staying on a stable path?

19:39 Avoiding the pressure of flashy lifestyle creep and "next steps"

24:07 The best places to put your savings and the power of tracking dividends

30:18 Focusing on "Career Capital" and acquiring new skills

34:10 College vs. Certifications: Do you really need a degree?

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

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Why I Quit Swing Trading to Build a Long-Term Portfolio (And a Huge Podcast Announcement!)

Mon, 02 Mar 2026 05:00:00 -0000

Have you ever felt the urge to just trade a stock because you were bored, or felt like you had to "do something" to make money?

In this episode, we address a major transition for the Investing for Beginners podcast and introduce a new co-host, Stephen Morris. We dive into Stephen’s personal journey, the "gambler's fallacy" in trading, the power of a company's "moat," and why sometimes the best action in your portfolio is no action at all.

We discuss:

The Big Announcement: Addressing Dave's departure from the podcast and Sather Research, and Stephen stepping up to the mic.
The Day Trading Trap: Stephen shares his grueling 11-hour days trying to day trade after retiring from the Army, and the massive stress it caused.
The Gambler's Fallacy: How doubling down on a losing trade can completely wipe out your portfolio.
Scratching the "Itch": How to manage the psychological need to trade without risking your core long-term investments.
Circle of Competence: How Stephen used his military background to successfully evaluate General Dynamics (GD).

Timestamps

02:23 Introducing Stephen Morris as the new co-host.

04:48 Stephen’s journey into day trading after retiring from the Army.

14:23 Andrew explains the "gambler's fallacy."

16:49 Why long-term investing is a more scientific and stable approach.

17:40 Understanding the importance of a company's "moat" (featuring Casey's).

25:46 Applying the "circle of competence" to General Dynamics (GD).

32:28 The most beneficial lesson learned: Patience and knowing "it's okay."

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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How to Invest in the "Core" of AI, Crypto, and Real Estate in 2026 with Dan Daly

Thu, 26 Feb 2026 05:00:00 -0000

Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter/⁠

Are you maximizing the equity in your assets, or is your wealth just sitting "under the mattress" losing value to inflation?

In this episode, Andrew is joined by entrepreneur Dan Daly to discuss his journey from evaluating stocks in the Wall Street Journal to launching a massive private equity fund in Europe. Dan unpacks his "observational investing" thesis. He also breaks down his "lightbulb" moment with real estate.

We discuss:

The concept of observational investing and owning the "core of the onion" for major economic trends.
Why the massive power demands of AI data centers make nuclear energy and uranium a foundational investment.
Leveraging home equity tax-free to acquire cash-flowing real estate assets rather than holding dead equity.
The advantages of buying short-term rentals in high-tourism European.
How the Portugal Golden Visa.

Timestamps

01:13 - The childhood paper route lesson.

03:51 - Finding investment ideas by observing daily life.

05:48 - The "core of the onion" investing philosophy.

07:26 - Why the electric grid can't handle data centers.

16:04 - Looking at crypto platforms as the new toll roads for the financial system.

21:00 - The "Rich Dad Poor Dad" lightbulb moment.

22:40 - Pulling tax-free equity from a primary residence to buy three European properties.

27:32 - Why Dan chose Portugal over crowded US markets for short-term rentals.

34:28 - Launching a $25 million private equity fund for boutique hotels in Portugal.

34:48 - Breaking down the 5-year process of securing a Portugal Golden Visa.

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Dan's Real Estate Fund: ⁠https://globalipllc.com/⁠

Daniel Daly on LinkedIn: ⁠https://www.linkedin.com/in/daniel-daly1/⁠

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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AAR38: How to Maximize Cash Back and Build Credit from Scratch

Tue, 24 Feb 2026 10:00:00 -0000

You can download Evan’s free budgeting framework here https://einvestingforbeginners.com/budget/

Are you missing out on free money because you're afraid of credit cards, or are you falling into the debt trap of complex point schemes?

In this episode, Evan pulls back the curtain on his highly transparent, personal credit card strategy. He shares the exact four cards he keeps in his wallet, why he completely avoids complex reward points, and the simple habits he follows—like paying off balances weekly and auto-claiming cash back—to safely build credit and get paid for everyday purchases.

Key Topics:

The biggest mistakes beginners make with credit cards, including using them as emergency funds and only paying the minimum balance.
Evan's exact four-card setup and the distinct purpose of each.
Why chasing complex point schemes and sign-on bonuses often causes you to lose money.
The massive hidden benefits of credit card purchase protection and fraud security.
How to safely build credit from scratch, including the power of secured credit cards and authorized users.

Timestamps: 01:50 The danger of using credit limits as spending limits or emergency funds 05:51 Why playing complex point games usually doesn't work out 07:35 Evan breaks down his personal four-card setup 12:56 The hidden benefits of purchase protection and security 16:42 Credit mindsets: Paying balances weekly and auto-claiming rewards 21:58 Why sign-on bonuses can be a dangerous trap 29:17 Exactly what to look for when choosing a new credit card 34:18 How to build credit from scratch using a secured card

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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The Hidden Goldmine of Stock Spinoffs with Rich Howe

Mon, 23 Feb 2026 05:00:00 -0000

Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: https://einvestingforbeginners.com/value-spotlight-newsletter/

When a massive company splits and spins off a smaller business, the market often completely ignores it. But what happens when that ignored, newly spun-off company is actually a hidden goldmine?

Today, Andrew sits down with Rich Howe from Stock Spinoff Investing to break down one of the most overlooked, yet profitable, corners of the stock market. We discuss exactly what a stock spinoff is, why parent companies decide to do them, and the weird "forced selling" dynamic that often causes these new stocks to trade at a massive discount right out of the gate.

Key Topics:

What exactly is a stock spin-off and why do companies do them?
The "Index Fund Effect" and why forced selling creates artificial discounts.
How to analyze the management team and debt of a newly spun-off company.
The changing landscape of the investing industry and building direct relationships with subscribers.

Timestamps:

00:00 - Introduction and welcoming Rich Howe to the show. 01:00 - What exactly is a stock spinoff and why do companies do them? 06:44 - How Rich got started with spinoffs and Joel Greenblatt's book "You Can Be a Stock Market Genius". 12:49 - Concentrated vs. diversified portfolios, position sizing, and sleeping well at night. 16:37 - How to research spinoffs using the Form 10 information statement. 19:30 - Prompting ChatGPT to help analyze business models, comparable companies, and risks. 28:22 - Serial acquirers, spinoff machines, and analyzing the Danaher and IAC examples. 32:09 - Where to find Rich's free calendar, blog, and premium newsletter.

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Stock Spinoff Investing Newsletter: https://stockspinoffinvesting.com/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.⁠ ⁠⁠⁠⁠⁠https://www.shopify.com/beginners⁠⁠⁠⁠

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Bird's Eye View: Inside GEICO & The Insurance War

Thu, 19 Feb 2026 05:00:00 -0000

Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter/⁠

Warren Buffett calls it his "Crown Jewel," but how does a company that started by mailing checks to government employees become an insurance giant worth billions?

In this Bird's Eye View episode, Dave and Andrew break down the history and business model of GEICO. They discuss the legendary story of a 20-year-old Warren Buffett banging on the company's doors on a Saturday, the "secret sauce" of insurance float that powers Berkshire Hathaway's investments, and the fierce battle for market share between GEICO, Progressive, and Allstate.

We discuss:

The Origin Story: How GEICO started in 1936 and Buffett’s 1951 discovery.
The Gecko: The $1 billion mascot that was created by accident during a strike.
Insurance 101: Understanding the "Combined Ratio" and why 100% is the magic number.
The Float: How Buffett uses your premium dollars to buy stocks like Apple.
The Turnaround: Why GEICO struggled in 2022 and how Todd Combs fixed the "telemetry" gap.

Timestamps:

00:00 – Intro: Why GEICO is Buffett’s "Crown Jewel"

02:20 – History: The Day Buffett Banged on the Door (1951)

08:14 – The Origin of the Gecko (It was a mistake!)

11:15 – Insurance Metrics: The Combined Ratio Explained

15:00 – The "Faucet" Analogy: Growth vs. Profitability

20:00 – The Turnaround: Todd Combs & The Tech Lag

24:00 – GEICO vs. Progressive vs. Allstate

30:00 – The Secret Sauce: What is "Insurance Float"?

38:00 – Why Boring Businesses Make Great Investments

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.⁠ ⁠⁠⁠⁠⁠https://www.shopify.com/beginners⁠⁠⁠⁠

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off⁠ ⁠⁠⁠⁠⁠https://auraframes.com/⁠⁠⁠⁠

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AAR37: Why Chasing "The Number" is Hurting You

Tue, 17 Feb 2026 10:00:00 -0000

You can download Evan’s free budgeting framework here https://einvestingforbeginners.com/budget/

We all see the headlines about the ultra-wealthy, but is becoming a billionaire a realistic—or even healthy—goal for your financial life?

In this episode, Evan and Andrew strip away the glamour of the "three comma club" to discuss why chasing an arbitrary number might actually be sabotaging your wealth-building journey. They break down the staggering math of becoming a billionaire, the toxic side of hustle culture, and why treating wealth like a high score in a video game often leads to burnout, not happiness.

We discuss:

The Math of Billionaires: You have better odds of winning the lottery (1 in 100 million) than becoming a billionaire.
Hustle Culture Trap: Why grinding 24/7 is often less productive than taking a break.
The "Why" Factor: Moving beyond a number on a spreadsheet to finding what that money actually buys.
Tangible Steps: How to transition from dreaming about billions to building a realistic plan that actually changes your life.

Timestamps

00:00 – Intro: The Billionaire Discussion

03:00 – The Societal Role of Billionaires: Are they the problem or the goal?

07:11 – The Odds: You are 1,000x more likely to win the lottery than become a billionaire

08:21 – Improving Your Finances (Even if you never hit a billion)

11:58 – Wealth as a Tool vs. Wealth as a Scoreboard

14:08 – The Dark Side of Hustle Culture

22:14 – The First Step

26:12 – The 4% Rule & Calculating Your "Enough" Number

29:35 – Excel vs. Google Sheets (The wrong way to track net worth)

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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Share Classes Explained: Class A vs. Class B & Voting Rights

Mon, 16 Feb 2026 05:00:00 -0000

Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter/⁠

Most investors buy a stock and assume they own a piece of the company. But do they actually have a say in how it’s run?

In this episode, Dave and Andrew break down the often-overlooked world of Share Classes (Class A vs. Class B) and what they mean for your rights as a shareholder.

Inspired by a listener question, the guys explain why companies like Berkshire Hathaway, Google, and Meta split their shares, how founders maintain total control even with minority ownership, and what "Activist Investors" like Bill Ackman actually do to force change.

We discuss:

Economic Rights vs. Voting Rights: Who is actually driving the bus?
The "Founder Control" Model: How Mark Zuckerberg controls Meta despite owning less than 100% of the company.
Berkshire Hathaway: Why Warren Buffett created a stock that costs $715,000 per share.
Google's Tickers: The difference between GOOG (no vote) and GOOGL (voting).
Red Flags: How to spot a "captured board" in the Proxy Statement.
Activist Investors: How funds buy their way onto a board to fire the CEO.

Timestamps

00:00 – Intro: Does your vote count?

01:18 – What are Share Classes?

03:40 – The "Bus Driver" Analogy: Voting vs. Economic Rights

08:53 – Why Founders Want Control

13:18 – Berkshire Hathaway: Class A vs. Class B Explained

17:12 – The Huge Red Flag: CEO Compensation Committees

20:03 – Google’s 3 Tickers (GOOG vs. GOOGL)

22:04 – Elon Musk & Tesla’s Share Structure

31:15 – What is an "Activist Investor"?

36:02 – The Investor’s Checklist: How to read a Proxy Statement

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.⁠ ⁠⁠⁠⁠⁠https://www.shopify.com/beginners⁠⁠⁠⁠

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The 5 Steps to Wealth: How to Build a Financial Foundation in 2026 (w/ Andrew Giancola)

Thu, 12 Feb 2026 05:00:00 -0000

Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: https://einvestingforbeginners.com/value-spotlight-newsletter/

Most people think financial freedom requires a lifetime of strict budgeting and misery. But what if the secret isn't cutting coupons, but building a system that manages your money for you? In this episode, we break down the exact roadmap to automating your wealth.

Andrew sits down with Andrew Giancola, host of the Personal Finance Podcast and founder of Master Money Academy, to discuss his "Wealth Builder Journey." They dive deep into the 5 phases of building wealth, from establishing a rock-solid foundation to optimizing your portfolio for early retirement. Andrew shares his "1-3-6" method for emergency funds, his favorite ETFs for long-term growth, and why your savings rate matters more than your investment returns.

Key Topics:

The 5-Phase Wealth Builder Journey
The 1-3-6 Method
Automation is King
ETF Strategy
The Retirement Number

Timestamps: 00:00 Intro: Welcome back Andrew Giancola 06:05 The "Wealth Builder Journey" Explained (Foundation Phase) 08:52 The 1-3-6 Method for Emergency Funds 10:07 Why You Must Calculate Your Retirement Number Annually 17:41 The Blueprint Phase: Reverse Budgeting vs. Zero-Based Budgeting 20:10 Automating Your Money (The "Easy Button") 27:39 Andrew’s Favorite ETFs & Portfolio Strategy 32:00 The Simple Math Behind Early Retirement 35:28 The Power of Community in Building Wealth

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Resources Mentioned:

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/⁠

The Personal Finance Podcast: ⁠https://thepersonalfinancepodcast.com/ Master Money Academy: https://mastermoney.co/ Monarch Money (Budgeting Tool): https://www.monarch.com/ Social Security Estimation: https://www.SSA.gov

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.⁠ ⁠⁠⁠⁠⁠https://www.shopify.com/beginners⁠⁠⁠⁠

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AAR36 - (How) Do Hobbies Fit Into Financial Success?

Tue, 10 Feb 2026 10:00:00 -0000

You can download Evan’s free budgeting framework here https://einvestingforbeginners.com/budget/

We all have passions that cost money. In this episode of At Any Rate, Evan Raidt and Dave Ahern dive into the "Coffee vs. Wine" complexity debate and break down exactly how to fit expensive hobbies into a healthy financial life.

They cover the "Trade-Down" method for enjoying luxury on a budget, why you must account for "ongoing costs" (like maintenance and beans), and the horror stories of what happens when you go into debt for your passions.

Topics Covered:

The Great Debate: Dave calls "BS" on coffee having more complexity than wine.
The "Rich Life" Mindset: Why cutting out all joy is the fastest way to fail at budgeting.
The "Trade-Down" Strategy: How to find 90% of the quality for 20% of the price.
Hidden Costs: Why the espresso machine is just the down payment.
The Golden Rule: Never, ever go into debt for a hobby.

Timestamps:

00:00 Intro

03:58 Dave calls BS on Coffee vs. Wine complexity

06:22 Why you NEED hobbies to sustain a budget

11:07 The "Trade-Down" Strategy (Getting value for less)

16:08 Don't forget the "Ongoing Costs"

25:22 Hobbies that can earn or save you money

27:29 The Golden Rule: No debt for hobbies

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

Get your free quote and see how much you could save at ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠

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How to Find the Best Stock Ideas in 2026

Mon, 09 Feb 2026 05:05:00 -0000

Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter/⁠

How do you find the next great stock idea in 2026? Is it through a complex screen, a tweet, or just walking through the mall?

In this episode, Andrew and Dave discuss their favorite strategies for sourcing investment ideas. They cover how to utilize podcasts for deep dives into business models, curating a social media feed for high-quality analysis, and the "Peter Lynch" style of observational investing. They also debate the value of stock screeners versus cloning super-investor portfolios.

Key Topics Covered:

Using podcasts and founding stories (e.g., Shoe Dog) to understand industries.
Curating social media (Twitter/X) to follow quality analysts.
Reading 10Ks, earnings calls, and "boring" materials for insights.
Finding ideas in everyday life (Build-A-Bear, Lululemon example).
Stock Screeners: Fiscal.ai vs. Finviz.
Cloning portfolios and tracking super investors.

Timestamps:

00:42 – Podcasts as Idea Sources

03:42 – Finding Ideas on Social Media

11:53 – Reading & Research

16:52 – Observational Investing (Everyday Life)

22:22 – Stock Screeners

26:16 – Cloning Portfolios

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Today’s show is sponsored by:

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Back to the Basics: 8 Simple Metrics That Beginner Investors Should Know

Thu, 05 Feb 2026 05:00:00 -0000

Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter/⁠

When you first look at a stock quote on Yahoo Finance or any financial app, it can feel like reading a foreign language. What is a "Beta"? Is a high P/E good or bad? And does a high dividend yield actually mean you'll make money?

In this episode, Andrew and Dave demystify the most common financial metrics you’ll encounter as a beginner. They break down the "Big Three" valuation ratios (P/E, P/S, P/B), explain how to assess a company’s size and volatility, and reveal why the Dividend Payout Ratio is often more important than the yield itself.

Key Topics Covered:

The "Big Three" Valuation Metrics: Understanding Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B).
Dividend Yield vs. Payout Ratio: Why a high yield can be a "trap"
Market Capitalization: How to quickly judge the size and stability of a company
Beta (Volatility): Using this metric to understand how much a stock might move
Context is King: Why you can't look at these numbers in isolation

Timestamps:

02:15 – Why financial jargon feels like a barrier (and why you need to learn it)

04:30 – Price-to-Earnings (P/E) Ratio: The most popular metric explained

10:15 – Price-to-Sales (P/S) Ratio: Valuing companies that aren't profitable yet

15:45 – Price-to-Book (P/B) Ratio: When to use it (banks/insurance) vs. when to ignore it (tech)

21:10 – Dividend Yield: The "interest rate" of your stock

25:50 – The Payout Ratio: The crucial safety check for dividend investors

31:20 – Market Capitalization: Understanding the difference between a giant and a startup

36:05 – Beta: Measuring risk and volatility relative to the S&P 500

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.⁠ ⁠⁠⁠⁠⁠https://www.shopify.com/beginners⁠⁠⁠⁠

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AAR35 - Fluctuations in Income: How to Adapt

Tue, 03 Feb 2026 10:00:00 -0000

You can download Evan’s free budgeting framework here https://einvestingforbeginners.com/budget/

Income changes are coming—positive or negative. In this episode of At Any Rate, Evan Raidt and Andrew Sather break down how to handle income fluctuations (raises, bonuses, commission swings, job changes, and pay cuts) without blowing up your plan.

They cover what to do when income goes up, what to do when income goes down, and how to plan ahead if your income is unpredictable. They also talk through how to handle income changes as a couple, including proportional contributions and communicating real numbers fast.

Topics Covered:

How to handle raises without lifestyle creep
How to handle income drops with a “minimum viable budget”
Why writing down your budget is the highest ROI 30–45 minutes you can spend
How to handle income changes in a relationship (proportional contributions)
How to budget for fluctuating income with a buffer + predetermined buckets

Timestamps:

00:35 What counts as income fluctuations (raise, bonus, commission, layoffs)

01:43 The goal: flexibility instead of prediction

03:05 Andrew’s “double raise” story + lifestyle creep (truck)

07:33 Delay spending changes after a raise (2–3 months)

08:58 Spend only a set portion of the raise (ex: $30–$40 of $100)

10:52 Handling decreases as a cash flow problem (not personal failure)

14:57 Minimum viable budget: strip down to needs

17:23 First budget setup time estimate (30–45 minutes)

21:56 Don’t “cut cold turkey” without a plan

26:20 Budgeting as a couple + budgeting framework link

38:36 Budgeting for fluctuating income: lowest reliable income + buffer + buckets

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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The Life of a Stock Picker and What Andrew Learned After Years of Investing

Mon, 02 Feb 2026 05:00:00 -0000

Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: https://einvestingforbeginners.com/value-spotlight-newsletter/

In this solo episode, Andrew shares the story behind a major shift: stepping down from actively running the investing newsletter and handing stock picking off to someone he trusts. He explains why he made the change, what he learned from years of stock picking, and what he wishes he understood earlier in the journey.

Andrew frames the episode as “The Life of a Stock Picker,” laying out 10 principles meant to help listeners think clearer, stay persistent through tough markets, and avoid common mental traps. He talks about approaching investing with a clean slate, learning from different strategies without getting dogmatic, and sticking with it when bear markets make you question everything.

Key Topics Covered:

Why Andrew stepped down from active stock picking and newsletter management
Principle 1: Approach investing with a clean slate
Principle 2: Find the good in every strategy (don’t get dogmatic)
Principle 3: Keep going through bear markets and drawdowns
Mastering emotions, avoiding bias, and staying humble enough to ask for help

Timestamps:

01:10 – Why he stepped down and what led to the decision

03:58 – Principle 1: Approach with a clean slate

07:47 – Books as a “life hack”

10:19 – Principle 2: Find the good in every strategy

14:51 – Principle 3: Keep going (bear market lessons)

17:29 – “So much red” and how demoralizing drawdowns feel

20:19 – Don’t sell at the bottom and miss the recovery

24:00 – Principle 5: Seize the day (don’t worship the number)

27:54 – Master your emotions

32:05 – Quit taking this so seriously

35:19 – Swing for the fences

41:02 – Don’t overthink it (analysis paralysis)

44:25 – Be humble and ask for help

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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3 Peter Lynch Principles That Can Make You a Better Investor

Thu, 29 Jan 2026 05:00:00 -0000

Want to help us make the Investing for Beginners Podcast even better? Take our quick listener survey at https://einvestingforbeginners.com/podsurvey and you’ll be entered to win a $500 Amazon gift card next month. Bonus: the first 100 respondents also get free IFB swag.

Andrew and Dave break down three Peter Lynch principles from Beating the Street and how they apply them in real investing decisions. The focus is on avoiding “rearview mirror” thinking, building conviction in great businesses, and finding opportunity where nobody’s paying attention.

They cover examples like Nike and HP (past success doesn’t guarantee future results), Microsoft’s turnaround under Satya Nadella, and the psychology of “averaging up” into winners like Google.

Key Topics Covered

“You can’t see the future through a rearview mirror”
Nike and HP as cautionary examples
Microsoft’s turnaround under Satya Nadella
“The best stock to buy may be the one you already own” (averaging up)
“When even the analysts are bored, it’s time to start buying”

Timestamps

01:29 – Principle 1: rearview mirror thinking

02:13 – Nike (going direct, slowing growth)

06:18 – HP & innovation pressure

11:23 – Microsoft turnaround (Ballmer → Nadella)

15:52 – Principle 2: best stock may be one you own

16:13 – Averaging up & anchoring bias

19:40 – Google (buying again at higher prices)

21:46 – Social media narratives and contrarian thinking

23:57 – Principle 3: buy when analysts are bored

24:21 – Danaher & spinoff return distortion

28:16 – McKesson & boring businesses vs hype

30:33 – More boring winners

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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AAR34-Part 2: What is Trust

Tue, 27 Jan 2026 10:00:00 -0000

This episode is for educational purposes only and is not legal advice—please consult an attorney for guidance on your specific situation.

In this episode of At Any Rate, Evan Raidt is joined by fan-favorite guest Dave Ahern for a follow-up to AAR31—because trusts are often the bigger, more protective “umbrella” when it comes to estate planning.

They break down what a trust is, how it differs from a will, what probate can look like if you pass away (or become incapacitated) without anything in place, and why this isn’t just about you—it’s about protecting the people who depend on you.

Topics Covered:

Trust vs will: what each one does
What probate is and why it can be a financial disaster for families
Pros/cons of wills and trusts
Revocable vs irrevocable trusts
What can go wrong

Timestamps:

01:55 What is a trust vs a will?

03:58 What happens if you die or become incapacitated without either?

06:28 Probate timelines (and why it can wreck a family financially)

08:46 Pros and cons of a will

10:20 Pros and cons of a trust (and why it can be expensive/complex)

12:23 How trusts control who can access assets (and when)

16:39 Why trusts can include restrictions (age, graduation, etc.)

18:46 Revocable vs irrevocable trusts (core differences)

22:09 Banks can’t give legal advice—start with an attorney

27:50 What can go wrong with a trust (be specific + choose trustees carefully)

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

Get your free quote and see how much you could save at ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠

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Bird's Eye View of GE Vernova

Mon, 26 Jan 2026 05:00:00 -0000

This episode is a Bird’s Eye View breakdown of GE Vernova (ticker: GEV), a newer standalone company spun out of General Electric. Andrew and Dave walk through what the business is, how it makes money, and why it’s showing up in investor conversations—especially around electrification and power demand.

They cover GE Vernova’s three operating segments and explain why electrification is the most exciting long-run opportunity. The conversation then shifts to the power segment and the AI/data center demand story, including how gas turbines are being positioned as a practical solution for stable, sustained power.

Key Topics Covered:

What GE Vernova is and why it was spun out of GE
The 3 segments
Backlog as a runway indicator
AI/data centers and the demand for sustained electricity
Valuation & execution risk

Timestamps:

00:15 – Bird’s Eye View on GE Vernova (GEV)

01:38 – What is GE Vernova and how does it make money?

02:46 – “Energy to change the world”

07:07 – $26B and what backlog means

08:12 – Book-to-bill style thinking

09:43 – AI/data centers driving demand for stable power

13:37 – Capacity booked out to 2028 & building more capacity

16:21 – Small modular reactors (SMRs) and why they matter

18:51 – Revenue growth context & profitability trend

24:05 – Balance sheet strength

34:32 – Oracle comparison

35:19 – Other electrification demand drivers

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter

Bird’s Eye View of Brookfield Asset Management (BAM) with Adrian of Stratosphere: https://einvestingforbeginners.com/birds-eye-view-of-brookfield-asset-management-bam-with-adrian-of-stratosphere-podc/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

Get your free quote and see how much you could save at ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠

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Financials Demystified: Long Term Liabilities Explained

Thu, 22 Jan 2026 05:00:00 -0000

This episode continues the Financials Demystified series with a practical, beginner-friendly breakdown of long-term liabilities on the balance sheet. Dave and Andrew focus on what these line items actually mean, why they matter, and how to use them to understand a company’s real financial risk.

They start with operating lease liabilities, what leases represent, why context matters, and how investors can compare lease obligations to profits, revenue, and even per-store economics. Then they move into tax liabilities, explaining the difference between deferred taxes and longer-term tax obligations (often tied to uncertain tax positions).

Key Topics Covered

Long-term liabilities basics and how they show up on the balance sheet
Operating lease liabilities and how to think about them
Deferred taxes vs long-term tax obligations
Long-term debt and why “laddering” maturities matters
Practical metrics to evaluate liabilities and debt risk

Timestamps

01:44 – Operating lease liabilities explained

04:00 – Putting lease liabilities in context with profits

10:26 – Restaurant metrics: revenue, labor costs, and food costs

13:09 – Deferred taxes and long-term tax liabilities (Microsoft example)

18:42 – Long-term debt “peel the onion” (Danaher example)

20:10 – Debt maturity schedules and why staggered maturities reduce risk

24:49 – What debt details reveal about management and capital allocation

27:33 – ROIC vs cost of capital and why the spread matters

32:49 – Key metrics: debt-to-equity and net debt to EBITDA

35:21 – Quick checks: cash vs total debt and interest coverage ratio

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

Get your free quote and see how much you could save at ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠

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Learn more about your ad choices. Visit megaphone.fm/adchoices

AAR33 - Times Are Changing: Here's How to Get Ahead

Tue, 20 Jan 2026 10:00:00 -0000

In this episode of At Any Rate, Evan Raidt and Andrew Sather dig into the four big reasons it feels so much harder to get ahead financially in 2026: housing is way less affordable, wage growth has stalled, personal debt is at record highs, and savings rates have plummeted.

They share stats that put today’s money struggles in context—and then get practical, with concrete moves you can make to survive (and even thrive) in this new reality: from budgeting and side gigs, to leveraging your network, getting transparent about money, and avoiding the debt traps that are everywhere.

Topics Covered:

Why housing is so much less affordable than it used to be
Stagnant wages: why most people’s income hasn’t kept up
The debt trap: how credit cards and easy financing make things worse
What’s behind plummeting savings rates (and how to fix yours)
Actionable strategies: budgeting, side gigs, investing, and using your “village”

Timestamps:

01:44 When was money “easier” — nostalgia vs reality

05:52 Housing affordability

09:16 How to make buying a home possible

13:50 Why budgeting is still the first step

18:00 Wages: why they’ve stalled, and how to actually get a raise

21:00 Side gigs, skill-building, and leveraging your network

25:19 The “village” approach

29:09 The debt trap

32:26 How wealthy people use debt

36:42 Should you pay off debt early?

40:42 Savings rates: why they’ve dropped, and how to build yours back up

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan at evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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Warren Buffett Steps Down: The End of an Era for Berkshire Hathaway

Mon, 19 Jan 2026 05:00:00 -0000

In this episode, Dave and Andrew mark a major investing milestone: Warren Buffett stepping down as CEO of Berkshire Hathaway. They use the moment to walk through the biggest lessons Buffett taught them as investors—why staying away from Wall Street noise can be an advantage, and why simple, common-sense thinking often wins.

The conversation covers core Buffett ideas like the “power of doing nothing,” staying inside your circle of competence, and treating Mr. Market as a servant—not a guide. They also dig into how Buffett built conviction, why reading and learning compounds over time, and how durable moats can drive long-term returns.

Key Topics Covered

Buffett stepping down: why his legacy matters for everyday investors
The “power of doing nothing” and ignoring market noise
Circle of competence & saying no to stay focused
Mr. Market: using volatility as opportunity, not direction
Moats & margin of safety

Timestamps

01:20 – Buffett steps down as CEO

02:41 – “Guy in Nebraska” vs Wall Street

06:03 – People expected the “elephant gun,” but he did nothing

07:33 – Ignore analyst reports

09:05 – Circle of competence

12:06 – Mr. Market is “psychotic”

13:48 – American Express salad oil scandal

16:48 – Reading and learning

22:33 – Buffett evolving: cigar butts to quality businesses

24:03 – Moat durability = longer runway for better returns

25:21 – Price awareness

28:12 – Margin of safety: “heads I win, tails I don’t lose much”

30:34 – Resources to learn more

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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Three Listener Questions on Coke vs KO, NVIDIA vs Big Tech, and Selling at a Loss

Thu, 15 Jan 2026 09:40:00 -0000

This episode answers three listener questions to kick off the new year. First, Dave and Andrew break down the difference between Coca-Cola (KO) and Coca-Cola Consolidated (COKE)—why the brand/business model matters, what makes bottling and distribution a different kind of investment, and what to look for before assuming a “price drop” is automatically a buying opportunity.

Next, they tackle a common beginner question: how to think about NVIDIA compared to Apple and Google. Finally, they discuss why they sold Crown Castle (CCI) in the Real Money Portfolio—what changed in the thesis, how to think about selling at a loss, and why opportunity cost and ego can quietly wreck long-term returns.

Key Topics Covered

KO vs COKE
Why distribution can be a moat
NVIDIA vs Apple/Google: valuation, expectations, and forward returns
Crown Castle sale
Selling losers

Timestamps

00:01:32 – KO vs COKE

02:06 – What COKE actually is

03:22 – Capital intensity + ROIC differences

005:11 – COKE’s dividend changes + what’s driving the improved numbers

07:19 – Distribution matters: Celsius/Pepsi example + why moats can be distribution-driven

09:41 – How to think about analyzing distribution businesses

16:06 – KO growth expectations vs looking deeper at COKE’s recent performance

18:01 – Brand vs distributor over the long run

22:27 – Apple/Google vs NVIDIA

23:05 – Great company, but priced for huge expectations

29:34 – Valuation risk

30:17 – Why NVIDIA gets the warning vs Apple/Google

33:35 – Why they sold Crown Castle (CCI)

37:48 – Selling at a loss

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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AAR32 - Listener Q&A: How to Calculate Your Real Savings Rate

Tue, 13 Jan 2026 10:00:00 -0000

In this listener Q&A episode of At Any Rate, Evan Raidt answers two practical questions from Keaton: how to estimate the after-tax value of 401(k) contributions, and how to save for unpredictable big expenses like car repairs and home maintenance.

First, Evan explains why 401(k) dollars can’t be compared directly to normal spending or savings—because they’re pre-tax. Then he shifts to emergency funds: where to keep them, what they should cover, how much to aim for.

Topics Covered:

Why 401(k) contributions aren’t apples-to-apples with normal spending

A simple method to estimate your effective tax rate and convert 401(k) contributions to an after-tax equivalent

Emergency funds

What emergency funds should cover

Timestamps:

00:59 Welcome back

02:14 Keaton’s questions: after-tax 401(k)

03:41 Why 401(k) money can’t be compared directly to other dollars

05:34 What this “after-tax equivalent” is for

06:21 Step 1: find taxable income on your last federal tax return

07:32 Step 2: estimate effective tax rate

09:10 Step 3: reduce 401(k) contributions by that rate (apples-to-apples

12:23 Emergency fund basics

14:29 Why a credit card is NOT an emergency fund

21:33 How much to save

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Podcast survey: https://einvestingforbeginners.com/podsurvey/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Liquid I.V. is a super easy way to stay hydrated—grab yours at https://www.liquid-iv.com/ and use promo code INVESTING at checkout.

Upgrade your everyday essentials with Quince—get free shipping on your first order at https://www.quince.com/beginner.

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Where to Put Money When the Market Feels Risky with Dave and Friends

Mon, 12 Jan 2026 05:00:00 -0000

In this episode, the Pitch Team (Tyler, Brandon, and Constantin) gets into a practical conversation about what to do when your portfolio feels “too hot” and you’re worried about a downturn. The group talks through how risk tolerance, time horizon, and having an actual exit plan matter more than trying to time the market.

They also dig into what “defensive” really means in real life—comparing sectors like real estate, healthcare, utilities, energy, insurance, and banks—and why even “safe” areas can still drop when the overall market sells off.

Key Topics Covered

Reducing concentration risk and thinking in portfolio allocation terms

“Don’t fiddle” vs making smart adjustments as your timeline shortens

Defensive sectors

Dividend thinking

Comparing “defensive” companies

Timestamps:

00:00:58 – Retirement portfolio feels overexposed

00:03:01 – “Climbing the wall of worry”

00:04:51 – The real question: if you sell and the market keeps going up, how will you feel?

00:05:10 – Brandon trims QQQM and reallocates

00:10:36 – “Have an exit plan”

00:14:00 – Conservative mindset & Buffett rules (“don’t lose money”)

00:15:04 – Time horizon matters

00:16:28 – “Don’t fiddle”

00:19:08 – Defensive sectors

00:23:34 – Real estate & REIT framing

00:26:52 – Walmart vs Amazon as “defensive” plays

00:30:31 – Costco enters the debate

00:36:21 – PayPal as a dividend payer

00:38:35 – Regulation risk

00:41:18 – DRIP vs conviction

00:44:01 – UnitedHealth: “too big to fail?”

00:47:05 – Are banks defensive? Exposure matters!

00:53:04 – PayPal vs Nubank

01:03:29 – “Bet the house”

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at equity@einvestingforbeginners.com⁠⁠⁠⁠⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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Finding Value Stocks that 3X w/ Samit Umatiya from UIG Funds

Thu, 08 Jan 2026 05:00:00 -0000

In this episode, Andrew sits down with Samit Umatiya, Managing Partner at UIG, to talk about how he went from day trading to running a value-oriented investment fund.

They dig into what “value” actually means in practice, how Samit thinks about free cash flow, and why qualitative factors like management alignment matter just as much as the numbers. The conversation also covers biases like sunk cost fallacy, how to fight FOMO, and what Samit looks for when deciding whether a stock is truly worth buying.

Key Topics Covered:

Samit’s shift from day trading to value investing
What “value” means
Free cash flow
Qualitative analysis
Biases and discipline: sunk cost fallacy, FOMO, conviction, and buying right

Timestamps:

01:21 – How Samit got started

04:06 – “Less activity, better returns”: compounding and long-term mindset shift

05:00 – What “value” means (subjective)

11:16 – Avoiding Wall Street noise

13:09 – VEON thesis

15:37 – Valuation = quantitative + qualitative

18:32 – How to start reading statements

20:04 – Management alignment: track record, equity ownership, background, incentives

24:02 – Sunk cost fallacy

33:01 – Why under $2B market cap can be a sweet spot

34:31 – Why he avoids MAG7/AI hype

39:07 – Fighting FOMO

42:22 – Is WSJ/Bloomberg worth it? Quality journalism as an investment

45:39 – “If it isn’t really obvious, don’t buy it”

46:58 – Buy point matters most; sell can be imperfect if you bought right

Resources Mentioned:

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Follow Samit Umatiya on LinkedIn: linkedin.com/in/samitumatiya

UIG (Umatiya Investment Group)

https://www.linkedin.com/company/uig-funds/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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AAR31 - Part 1: What is a Will?

Tue, 06 Jan 2026 10:00:00 -0000

In this episode of At Any Rate, Evan Raidt and Dave Ahern break down the basics of wills—what they are, why they matter, and how they can save your loved ones months of stress if something unexpected happens. Dave shares why he set up his will after a health scare, plus a real story from his banking days that shows how messy things can get when someone passes without a plan.

They also walk through practical options for creating a will, why you should keep beneficiaries updated on your accounts, and how to store and share your documents so your family can actually find them when it counts.

Topics Covered:

What a will actually does
The real-world mess that happens when someone dies without a will
How to get a will
Storage & access
The 3 tiers

Timestamps:

00:00 Why this “boring” topic matters

01:45 Why Dave got a will (health scare)

02:33 What a will is & what it covers

04:41 Why wills prevent confusion and family conflict

06:40 Real story

09:05 Why this is about protecting your loved ones (not you)

11:15 Leaving money to a charity

12:50 Where to get a will: DIY, attorney, or LegalZoom

15:35 The “bare minimum” step

17:55 What banks may require

20:40 How to store your will safely

24:30 The 3 tiers explained

Resources Mentioned

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

Get your free quote and see how much you could save at ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠

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The Intelligent Investor in 2026: Outdated or Timeless?

Mon, 05 Jan 2026 05:00:00 -0000

In this first episode of 2026, Dave and Andrew revisit The Intelligent Investor by Benjamin Graham and explain why it’s still worth your time—even if some parts feel dated. They break down the timeless principles Buffett has praised for decades, especially the ideas that help you stay rational when the market (and your emotions) get loud.

They also get practical: what “investing vs. speculating” actually means, how to learn a business if you’re serious about picking stocks, and why inflation quietly erodes your buying power.

Key Topics Covered:

Why The Intelligent Investor still matters (and why Buffett points to Chapters 8 and 20)
Investing vs. speculating
How to learn a business (10-Ks + Investor Relations) and why reading matters
Inflation: how it erodes buying power and affects investors and businesses
Mr. Market & margin of safety:

Timestamps:

00:33 – Why The Intelligent Investor is still timeless

01:38 – Why it’s a “foundation book” for mindset and emotional control

02:32 – Investing vs. speculating

03:48 – Analysis/business = investing; price movement = speculating

06:21 – How to learn a business

08:12 – Investor Relations pages

08:41 – If you don’t like reading

09:22 – Index funds/ETFs as a legit alternative

11:35 – Inflation basics

14:15 – Risk/return ladder

16:11 – Inflation’s “double-edged sword” for businesses (revenue vs margins)

19:01 – Pricing power example

21:36 – Declines are normal and volatility is part of the game

25:33 – Mr. Market explained

33:34 – Margin of safety

Resources Mentioned:

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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2025 Stock Market WRAPPED

Thu, 01 Jan 2026 05:00:00 -0000

In this episode, Dave and Andrew run through a 2025 stock market year-in-review, using the “Spotify Wrapped” idea as the framing device. They cover how the major indexes performed, why the year felt weird depending on where you were invested, and how the AI boom shaped returns across the market.

They also dig into the investing psychology behind FOMO, chasing winners, and dealing with volatility—especially when the broader market is up but your portfolio (or specific holdings) might be down big.

Key Topics Covered:

2025 market returns (S&P 500, NASDAQ, Dow) and what they imply going forward
The AI boom, NVIDIA’s dominance, and the “you might be early” lesson from the dot-com era
Sector winners and why energy/infrastructure matters for AI
FOMO, chasing top performers, and how to approach cyclical industries
Volatility, expectations, and what to do when a stock is down big

Timestamps:

00:19 – Intro: 2025 stock market year in review

01:07 – Index performance

02:48 – The big themes of 2025: AI boom + profitability questions

04:18 – Should you buy NVIDIA now?

07:35 – Getting AI exposure without owning NVIDIA

11:57 – Sector winners

14:11 – Stocks that doubled

19:16 – How to handle cyclicals

21:20 – Normalizing margins to value cyclical businesses

24:10 – Volatility “panic attacks” and why zooming out matters

29:27 – What to do when a stock is down big: fundamentals first

38:30 – Podcast Spotify Wrapped: 3M minutes listened

41:29 – Wrap-up: see you in 2026

Resources Mentioned:

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

Get your free quote and see how much you could save at ⁠⁠⁠⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠

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AAR30 - How When You Start Investing Matters

Tue, 30 Dec 2025 10:00:00 -0000

You can download Evan’s free monthly budgeting spreadsheet here: https://einvestingforbeginners.com/budget/

In this episode of At Any Rate, Evan Raidt is joined by Andrew Sather to talk about something most investors don’t realize is shaping their decisions: the market environment you “grew up” in. Andrew shares what it was like starting to invest in 2012 in the shadow of the Great Financial Crisis—when fear was high, bonds were still considered “prudent,” and energy stocks dominated the conversation.

Together, they break down the pros and cons of starting in an up market, down market, or flat market, how recency bias and herd mentality mess with your judgment, and why the best antidote is simple: more education, consistency, and automation.

Topics Covered:

How your “starting market” imprints your investing mindset (up, down, or flat)

Andrew’s 2012 investing experience vs. Evan’s late-2021 experience

Recency bias, herd mentality, and why fear/greed can flip your decisions

Practical ways to stay grounded: education, consistency, and automation

Avoiding “next big thing” FOMO (AI hype, NVIDIA chasing, Buffett comparisons)

Timestamps:

00:00 Why your investing “timeline” matters

01:03 Andrew’s first stock purchase

02:35 Post-GFC mindset

04:30 2012 market vibe

05:30 Why Andrew stayed frugal but kept investing

07:05 Evan’s late-2021 start

08:35 “This is easy” mindset—and the warning from a mentor

10:25 The moment it flipped

13:45 Three market “start” scenarios

16:05 Down-market cons

18:30 Greedy vs. fearful

24:50 Practical takeaways

29:15 Andrew’s advice for new investors today

33:00 Closing

Resources Mentioned:

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email the team: equity@einvestingforbeginners.com

Email Evan: evan@einvestingforbeginners.com

Have questions for Evan or Andrew about getting started (or staying consistent no matter what the market’s doing)? Comment below or email Evan—he’d love to hear from you.

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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Financials Demystified: Current Liabilities & What They Tell You About Cash Flow

Mon, 29 Dec 2025 05:00:00 -0000

Want to go deeper on real companies with simple, long-term investing guidance? Subscribe to the Value Spotlight Newsletter, where Dave and Andrew share stock ideas, valuations, and lessons from real businesses straight to your inbox.

In this episode of Financials Demystified, Andrew and Dave continue working down the balance sheet by breaking down current liabilities—what they are, why they matter, and what they can reveal about how a business funds operations in the short term.

They also connect current liabilities to working capital management, showing how things like accounts payable and deferred revenue can impact cash flow and business quality. To make it practical, they use examples like Campbell’s, Adobe, GameStop, and Netflix—highlighting how the same “category” can look totally different depending on the business model.

Key Topics Covered:

What current liabilities are

Accounts payable and what it reveals about working capital and cash flow

Common current liability line items

Deferred revenue (why it’s a “liability” that can actually be a positive)

Days payable outstanding & the working capital cycle

Timestamps:

00:00:15 – Financials Demystified continues

00:00:48 – Definition: current liabilities

00:01:38 – What current liabilities can reveal

00:04:39 – Example: Short-term borrowings, dividends payable, taxes payable

00:08:13 – Deferred revenue: what it is and why it’s not like “real” debt

00:11:28 – Netflix deferred revenue “weird tidbit”

00:13:32 – Income taxes payable

00:17:20 – DPO formula

00:20:24 – Working capital cycle formula

00:35:46 – Wrap-up

Resources Mentioned:

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Blog post: https://einvestingforbeginners.com/free-cash-flow-yield-daah/

Infographic: https://www.linkedin.com/feed/update/urn:li:activity:7406343606875140096?utm_source=share&utm_medium=member_desktop&rcm=ACoAAD4eKMMBf-41eiJkuqE7j8nT8vhR0cxiYKE

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠

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Santa’s Stock Wishlist: Companies We’d Love to Buy (If the Price Was Right)

Thu, 25 Dec 2025 05:00:00 -0000

In this Christmas Day episode, Dave and Andrew play a fun “Santa wishlist” game: what stocks (and even a couple private companies) would they love to see under the tree—if the price was right. These are high-quality businesses they admire, but most are too expensive at today’s valuations, so they’re watching and waiting.

They run through a mix of consumer brands, software, finance/data businesses, industrial compounders, and a few “wish it were public” names. Along the way, they talk through what makes each company attractive (growth, margins, moats, culture, capital allocation) and what would need to change for them to buy.

Key Topics Covered:

“Santa wishlist” investing: great companies, wrong price (for now)

Growth vs. valuation: waiting for quality to become “buyable”

Moats and execution: why some businesses keep winning

Capital-light compounders: margins, cash flow, and pricing power

Private-company dream picks + what an IPO could mean

Timestamps:

00:00 – Stocks Santa should bring us”

03:08 – MercadoLibre (LATAM leader, 30%+ growth, pricey)

06:29 – Wingstop (franchise scale story, valuation still rich)

09:31 – Intuit (QuickBooks, elite margins, always expensive)

11:28 – Cadence (semiconductor design software “industry standard”)

16:05 – Fastenal (steady industrial compounder, valuation stays high)

18:45 – FICO (credit score moat + regulatory/competition risk)

30:04 – Old Dominion Freight Line (LTL leader, cyclical but elite)

39:11 –Reddit (attention + monetization potential, “lottery ticket”)

46:07 – Wrap-up

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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AAR29 - How I Track Financial Progress

Tue, 23 Dec 2025 10:00:00 -0000

You can download Evan’s free monthly budgeting spreadsheet here: https://einvestingforbeginners.com/budget/

In this episode of At Any Rate, Evan Raidt walks through the exact system he uses to track his personal financial progress—without obsessing over every transaction or living on extreme “never spend money” rules. Over the past few years, Evan has nearly quadrupled his net worth using boring (but powerful) fundamentals: consistent saving, simple investing accounts, and heavy automation.

Evan breaks down his monthly financial check-ins, how he reviews whether he actually stuck to his budget, and how he tracks net worth over time using a simple spreadsheet. He also explains what he includes in net worth (including the controversial stuff like car value and home equity), why tracking trends matters more than a single number, and how a quick monthly update can help you catch problems early and stay motivated.

Topics Covered:

Why tracking financial progress is motivating

Monthly financial check-ins

Evan’s automation-first approach

Building a simple net worth tracker

Why Evan includes car value & home equity in net worth

Timestamps:

00:00 Intro

01:30 Evan’s results & why “boring” fundamentals work

02:30 Free budget sheet: https://einvestingforbeginners.com/budget/

04:55 Why tracking progress matters

09:40 The two-part system

12:35 Monthly budget check-in

14:10 Automation approach

15:10 Setting up a net worth spreadsheet

18:20 Including car value & home equity (and why Evan does it)

20:40 Tracking debt as negative values

24:00 Graphing net worth over time

27:05 Closing

Resources Mentioned:

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have feedback on the solo episodes (good or bad) or want Evan to share a simpler version of his net worth tracker? Comment below or email him—he’d love to hear from you.

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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Warren Buffett & Sun Tzu: The Ancient Strategy for Avoiding Ruin with Tobias Carlisle

Mon, 22 Dec 2025 05:00:00 -0000

In this episode, Dave and Andrew welcome Tobias Carlisle—Principal and CIO at Acquirers Funds and co-host of the Value After Hours podcast—to discuss his book The Soldier of Fortune: Warren Buffett, Sun Tzu, and the Ancient Art of Risk Taking.

The conversation centers on one big theme: avoiding ruin. Tobias explains why “survive first” is the foundation of long-term compounding, how Buffett’s discipline shows up in what he doesn’t do, and why frameworks, selectivity, and understanding conditions matter as much as valuation math.

Key Topics Covered:

Who Sun Tzu was (and why the text stands on its own)
Defensive investing first: debt, fragile business models, and position sizing
Wu-wei / effortless success and investing with tailwinds vs. headwinds
Moral law, reputation, and why honesty matters in management
Via negativa / inversion: avoiding dumb mistakes vs. trying to be brilliant

Timestamps:

00:00 – Intro

01:16 – Who Sun Tzu was

05:18 – Why The Art of War clicked in 2020

06:11 – Ergodicity: why avoiding ruin matters more than “winning”

12:41 – Seasons, cycles, and tailwinds

15:11 – Buffett’s discipline in COVID

21:21 – Munger’s influence

29:48 – Derivatives as “weapons of mass destruction”

32:15 – What Buffett doesn’t do

35:02 – Avoiding bad actors

38:15 – “Don’t go where you’ll die”

40:10 – Codifying management analysis

41:48 – Why small/value matters

46:12 – ZIG and DEEP

47:05 – Sign-off

Resources Mentioned:

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Acquirers Podcast (Spotify): https://open.spotify.com/show/4XKvjmFiZLxWZ58vBfT4v9?si=81f548cf76d94325

The Soldier of Fortune (book): https://a.co/d/ib7E08v

Acquirers Funds: https://acquirersfund.com/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠auraframes.com⁠⁠⁠⁠⁠⁠⁠⁠ and use promo code BEGINNERS at checkout to get $35 off ⁠⁠⁠https://auraframes.com/⁠⁠⁠

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Back to the Basics: A Starter Guide for New Investors

Thu, 18 Dec 2025 05:00:00 -0000

In this episode, Dave and Andrew share a practical “back to basics” starter guide for new investors—focusing on the foundational decisions that matter before you ever pick a stock.

They also cover the big beginner considerations—time horizon, risk tolerance, and fees—plus the most common starting paths like ETFs/index funds, 401(k)s (especially if there’s a match), robo-advisors, and eventually individual stocks. The throughline is simple: start small, stay consistent, and don’t interrupt compounding.

Key Topics Covered:

Start with your “why” so you don’t quit when motivation fades
Think long-term: volatility is normal, time horizon is everything
Risk tolerance matters more than “the perfect pick”
Fees quietly destroy compounding (and add up fast)
Simple starting paths: ETFs/index funds, 401(k) match, and easing into individual stocks

Timestamps:

00:00 – Intro 01:55 – Why invest: savings accounts vs. stock market returns + inflation 04:34 – Lifestyle inflation 05:24 – Compounding 07:16 – Volatility short-term vs. growth long-term 09:01 – Risk tolerance 11:36 – Don’t chase returns 12:24 – The “hole in the boat” that kills compounding 15:39 – Open a brokerage account (it’s easier than ever) 19:13 – 401(k) match: “free money” 20:45 – Robo-advisors: convenience vs. control 27:24 – Best time to start 29:08 – “Stock market is a casino” fear 32:42 – Final push

Resources Mentioned: The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today. ⁠⁠https://www.shopify.com/beginners⁠⁠

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AAR28 - Confident Investing w/ Sean Tepper

Tue, 16 Dec 2025 10:00:00 -0000

You can download Evan’s free monthly budgeting spreadsheet here:
https://einvestingforbeginners.com/budget/

In this episode of At Any Rate, Evan Raidt sits down with Sean Tepper, CEO and founder of TYKR, a platform designed to simplify stock analysis and help everyday investors buy and sell with more confidence.

Sean shares how the 2008 crash became his wake-up call, why most beginners get stuck in analysis paralysis, and how TYKR’s “traffic light” system turns a mountain of data into a simple signal: on sale, watch, or overpriced.

Sean also breaks down the “4M Confidence Booster” (math, meaning, moat, management), what signals can help you decide when to sell, and why long-term wealth is built by staying disciplined—especially when the market gets volatile.

Topics Covered:

The traffic light system: on sale (green), watch (gray), overpriced (red)
Why analysis paralysis stops new investors from taking action
The “$100 a week” investing mindset and consistency over time
Reducing risk with the 4M framework: math, meaning, moat, management
Individual stocks vs. index funds/ETFs depending on your timeline

Timestamps: 00:00 Intro: Evan welcomes Sean Tepper

02:12 From investing frustration to building ⁠TYKR⁠

02:56 The “traffic light” concept: simplify 100 data points into a decision

05:00 Analysis paralysis and why beginners freeze

07:00 From Excel stock analysis to software

08:30 Investing vs. trading (and why trading usually loses)

12:17 Treat investing like a “mandatory bill”

15:06 The 4M Confidence Booster: math, meaning, moat, management

20:16 Wealth building (10–15 stocks) vs. wealth protection (funds near retirement)

22:34 Dividend strategy in retirement

24:05 “Easy things get complicated” + staying disciplined

25:29 Why “never skip a month” matters (especially in volatility)

28:58 Recency bias vs. long-term market history

32:02 Where to find Sean + closing

Resources Mentioned:

TYKR (T-Y-K-R): ⁠https://tykr.com/⁠
Free monthly budgeting spreadsheet: ⁠https://einvestingforbeginners.com/budget/⁠
Email Evan: ⁠evan@einvestingforbeginners.com⁠

Have feedback or ideas for Evan? Comment below or email him at ⁠⁠evan@einvestingforbeginners.com⁠⁠—your suggestions help shape future episodes.

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

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Get your free quote and see how much you could save at ⁠⁠⁠⁠⁠SelectQuote.com/beginners⁠⁠⁠⁠⁠

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Earnings Smackdown: Snowflake, MongoDB, Salesforce, and the Rise of Discount Retail

Mon, 15 Dec 2025 05:00:00 -0000

In this episode, Dave and Andrew break down the latest earnings from top SaaS and discount retail companies—Snowflake, MongoDB, Salesforce, CrowdStrike, Dollar Tree, and Five Below. They dig into cloud migration trends, SaaS valuation metrics like the Rule of 40, stock-based compensation, and the impact of economic shifts on discount retailers.

Key Topics Covered:

Snowflake, MongoDB, Salesforce, CrowdStrike, Dollar Tree, Five Below earnings
Cloud migration and SaaS business models
Rule of 40 and SaaS valuation
Discount retailers’ performance in the current economy
How to avoid chasing hot industries

Timestamps:

00:00 – Intro: episode overview and earnings call focus
00:00:48 – SaaS breakdown: Snowflake, MongoDB, CrowdStrike, Salesforce
00:01:21 – Snowflake’s earnings and cloud migration
00:03:24 – Data growth and Snowflake’s niche
00:04:27 – Stock performance and IPO context
00:06:01 – Salesforce: revenue, margins, CRPO
00:07:04 – Rule of 40 explained
00:08:00 – Salesforce’s AI products
00:09:51 – Acquisitions to profitability
00:12:03 – Management credibility and strategy
00:13:45 – Stock-based compensation
00:15:01 – MongoDB’s cloud shift and AI
00:18:35 – Growth, profitability, sector momentum
00:20:07 – CrowdStrike earnings and ARR
00:22:03 – CrowdStrike’s modules and platform
00:24:37 – Retail: Dollar Tree, Dollar General, Five Below
00:26:09 – Discount retailer performance
00:29:41 – Dollar General, tariffs
00:31:35 – Five Below’s growth and strategy
00:36:01 – Comparing sectors and metrics
00:41:05 – Avoiding hot industry chasing
00:41:58 – Closing thoughts and sign-off

Resources Mentioned: The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

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Semiconductors Demystified w/ Nick Rossolillo: Supply Chain, Cyclicality, and Top Chip Stocks

Thu, 11 Dec 2025 05:00:00 -0000

In this episode, Dave welcomes Nick Rossolillo from Chip Stock Investor for a deep dive into the semiconductor industry.

They break down what semiconductors are, how the supply chain works, why the industry is so complex, and the critical companies powering technology today.

Nick also shares why “semiconductors are not the new oil,” what’s driving industry growth, and how investors can avoid common mistakes.

Key Topics Covered:

What is a semiconductor?
Why the industry is so complex and collaborative
The AI boom, accelerated computing, and industry growth
Moore’s Law, 3D stacking, and industry disruption
How to track supply chain trends and avoid valuation traps

Timestamps:
00:00 – Intro & Nick from Chip Stock Investor
01:00 – What is a semiconductor?
03:00 – The chip supply chain explained
05:30 – Key companies: Synopsys, Cadence, ASML, TSMC, Nvidia, AMD
10:00 – How much tech do you need to know as an investor?
13:00 – Industry complexity & collaboration
16:00 – AI, accelerated computing, and industry growth
20:00 – Cyclicality, valuation traps, and supply chain signals
30:00 – Moore’s Law, 3D stacking, and future disruptions
40:00 – Investing lessons, capital allocation, and staying power
45:00 – Where to find more from Nick & Casey
47:00 – Sign-off: Invest with a margin of safety

Resources Mentioned:

The Value Spotlight Newsletter: ⁠ https://einvestingforbeginners.com/value-spotlight-newsletter/⁠

Chip Stock Investor (Nick & Casey’s research): ⁠https://chipstockinvestor.com/⁠

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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AAR27 - How do I decide how much to save?

Tue, 09 Dec 2025 10:00:00 -0000

You can download Evan’s free monthly budgeting spreadsheet here:⁠https://einvestingforbeginners.com/budget/⁠

In this episode of At Any Rate, Evan Raidt breaks down the practical process of deciding how much to save, spend, and invest—using a clear, percentage-based system that works for any income.

Evan walks through the 50-30-20 rule (and how he tweaks it himself), explains why percentages matter more than dollar values, and shows how to use a real-world budget outline (grab the free sheet ⁠here⁠). You’ll learn where to start, how to handle must-have savings like 401k matches and HSAs, and how to prioritize Roth IRAs and high-yield savings accounts with any leftover funds.

Topics Covered:

Why percentages matter more than dollar amounts
The 50-30-20 rule (and Evan’s personal tweaks)
How to find your true net income for budgeting
The power of maxing your 401k match and using an ⁠HSA⁠
Using credit cards only as payment vehicles (not for emergencies)

Timestamps: 00:00 Intro and why this topic matters 02:00 The problem with flashy dollar amounts—percentages are what count 04:30 How to use the free ⁠budget sheet⁠ 06:00 Setting your target percentages (50-30-20 and beyond) 09:00 Calculating net income and why it matters 12:00 Breaking down “needs” and why debt payments go here 15:00 Must-have savings: 401k match, HSA, home equity 18:00 Planning for big goals (cars, houses, etc.) 20:00 Prioritizing Roth IRA and high-yield savings accounts 24:00 Tracking and adjusting your “wants” 27:00 What to do with leftover funds 29:00 Final tips: avoid regular savings accounts, use credit cards for rewards only, and keep things hands-off with index funds 31:00 Wrapping up and how to get started

Resources Mentioned:

Free budgeting spreadsheet: ⁠⁠https://einvestingforbeginners.com/budget/⁠⁠

⁠Roth IRA basics⁠:

⁠https://www.investopedia.com/terms/r/rothira.asp⁠

⁠High-yield savings accounts⁠: ⁠https://www.nerdwallet.com/best/banking/high-yield-online-savings-accounts⁠

⁠Vanguard VOO ETF info⁠:

⁠https://investor.vanguard.com/investment-products/etfs/profile/voo⁠

Have feedback or ideas for Evan? Comment below or email him at ⁠evan@einvestingforbeginners.com⁠—your suggestions help shape future episodes.

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Warren Buffett’s Four Pillars: The Ultimate Guide to Smarter Investing

Mon, 08 Dec 2025 05:00:00 -0000

In this episode, Dave and Andrew break down Warren Buffett’s legendary Four Pillars of Investing, sharing strategies to help you become a better investor.

They explore how to find quality information, why consistent earnings growth matters, how to build your own investment style, and the importance of management in long-term success.

Key Topics Covered:

Warren Buffett’s Four Pillars: quality of information, consistency of earnings growth, investment style, and management
The dangers of relying on bad sources or viral info
How to vet information and why annual reports matter
Evaluating management: using 10-Ks, earnings calls, and incentive analysis
Lessons learned from mistakes and the importance of qualitative research

Timestamps:
00:00 – Intro: Buffett’s Four Pillars
01:10 – Pillar 1: Quality of Information
05:00 – Avoiding bad sources & social media pitfalls
10:20 – Using annual reports & direct sources
12:00 – Pillar 2: Consistency of Earnings Growth
15:10 – Compounding and durable earnings
18:30 – Moats and business strength
22:20 – Pillar 3: Investment Style & Circle of Competence
27:00 – Balancing narrative and numbers
31:00 – Pillar 4: Importance of Management
35:00 – Evaluating management: 10-Ks, calls, podcasts
38:00 – Incentives and compensation
40:00 – Final thoughts & Buffett’s timeless lessons

Resources Mentioned:

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter/⁠
What We Can Learn from Warren Buffett’s Four Pillars of Investing (blog post): ⁠https://einvestingforbeginners.com/what-we-can-learn-from-warren-buffetts-four-pillars-of-investing/⁠

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Emerging Moats, Oscar Health, and Kraken Robotics – with Brett Schaefer

Thu, 04 Dec 2025 05:00:00 -0000

Want to go deeper on real companies with simple, long-term investing guidance? Subscribe to the Value Spotlight newsletter, where Dave and Andrew share stock ideas, valuations, and lessons from real businesses straight to your inbox.

In this episode, Dave and Andrew welcome Brett Schaefer to talk about “emerging moats” and showcase his new research service.

Brett breaks down why he’s focusing on companies with growing competitive advantages, and shares deep dives into two off-the-beaten-path stocks: Oscar Health and Kraken Robotics.

The conversation covers what makes these businesses unique, the risks and rewards, and how investors can spot the next wave of winners outside the usual tech hype.

Key Topics Covered:

What is an “emerging moat” and why it matters
Kraken Robotics: defense tech, contracts, and growth runway
Oscar Health: ACA market, tech disruption, and scaling up
The risk and reward of dilution, contracts, and regulation
How to spot scalable competitive advantages
What Brett looks for in small/mid-cap stocks
The long-term opportunity in individual health insurance

Timestamps:

00:00 Intro and Brett’s new research service

03:00 What are emerging moats and why focus on them?

07:00 Kraken Robotics: tech, contracts, and defense industry growth

13:00 Oscar Health: ACA, tech, and the innovator’s dilemma

26:00 Risk, reward, and scaling up

40:00 How Brett researches and what’s next for Emerging Motes 50:00 Wrapping up and links to research

Resources Mentioned:

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Emerging Motes Newsletter & Research: https://www.emergingmoats.com/

Chit Chat Stocks Podcast:

https://podcasts.apple.com/us/podcast/chit-chat-stocks/id1437766060

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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AAR26 - How to Use Insurance to Build Wealth w/ Kim Butler

Tue, 02 Dec 2025 10:00:00 -0000

You can download Evan’s free monthly budgeting spreadsheet here:
https://einvestingforbeginners.com/budget/

In this episode of At Any Rate, Evan Raidt sits down with Kim Butler—founder of Prosperity Thinkers, host of the Prosperity Podcast, and bestselling author of Live Your Life Insurance—to break down how life insurance can be used as a tool for building wealth (not just protecting your family).

They dive into the mechanics of whole life insurance: how it works, how you can borrow against your cash value, and why it’s more flexible than most people realize.

Kim covers the pros and cons, compares insurance to other savings vehicles, and highlights the importance of control and flexibility in your financial life.

Topics Covered:

Why saving comes before investing
How whole life insurance works (and why it’s not just for death benefits)
Borrowing against your policy: what really happens
Pros and cons vs. high-yield savings, bonds, and the stock market

Timestamps: 00:00 Intro and Kim’s financial awakening
03:00 Lessons from 4-H, cows, and early entrepreneurship
06:00 The real role of life insurance and why people misunderstand it
10:00 How to use whole life insurance as a savings tool
15:00 Borrowing against your policy: mechanics and benefits
20:00 Pros, cons, and comparisons to other savings options
25:00 Flexibility: loans, skipping premiums, and paying yourself back
30:00 Building control and opportunity into your financial life
33:00 Kim’s special resource for listeners
35:00 Where to find Kim and final thoughts

Resources Mentioned:

Kim Butler’s Website: ⁠https://prosperitythinkers.com/special/

Prosperity Podcast: ⁠ https://open.spotify.com/show/0T5efslEuybSsGH6rlp1nn?si=6ca2f4a7256a40dc⁠

Live Your Life Insurance (Book): ⁠https://a.co/d/9YF1lAf⁠

Kim’s Website: ⁠https://prosperitythinkers.com

Free monthly budgeting spreadsheet: ⁠https://einvestingforbeginners.com/budget/⁠

Have questions or feedback? Email Evan at evan@einvestingforbeginners.com or comment below—your thoughts help shape future episodes.

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

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What Company Earnings Are Telling Us About Today’s Economy

Mon, 01 Dec 2025 05:00:00 -0000

Want to go deeper on real companies with simple, long-term investing guidance? Subscribe to the Value Spotlight newsletter, where Dave and Andrew share stock ideas, valuations, and lessons from real businesses straight to your inbox.

In this episode, Dave and Andrew take a stroll through the latest earnings reports from some of the world’s biggest and most influential companies to get a pulse on the real economy.

They break down what Walmart, Shopify, Netflix, JPMorgan Chase, McDonald’s, Home Depot, Uber, and UnitedHealth are revealing about consumer behavior, business trends, and economic health.

They also dig into the economic signals hiding in credit data, consumer spending, and even the return of the McDonald’s dollar menu.

Key Topics Covered:

Walmart’s strong growth and what it says about consumer spending
Netflix’s ad business, content hits, and streaming dominance
McDonald’s slowing growth and menu changes
Uber’s explosive growth in rides and delivery
UnitedHealth’s revenue, profit squeeze, and the impact of ACA subsidies

Timestamps:

00:00 Intro and episode overview

01:00 Walmart’s earnings and what they reveal about consumer trends

06:00 Shopify’s numbers, AI tools, and international growth

10:00 Netflix’s revenue jump, ad platform, and content wins

13:00 JPMorgan’s earnings, consumer credit, and economic signals

17:00 McDonald’s sales slowdown, menu changes, and consumer pinch

25:00 Uber’s ride and delivery growth, and what it means for the gig economy

34:00 Wrapping up: what these companies collectively say about the economy

39:00 Listener feedback and how to get in touch

Resources Mentioned:

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

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Are Bonds Missing from Your Portfolio? David Stein Explains Why They Matter

Thu, 27 Nov 2025 07:46:00 -0000

In this episode of The Investing for Beginners Podcast, Dave and Andrew bring back David Stein—author, co-founder of AssetCamp, and host of Money for the Rest of Us—to demystify bonds.

David also breaks down the difference between investment-grade and high-yield bonds, how spreads signal fear (or complacency) in the economy, and why today’s higher yields make bonds more interesting than many investors realize.

Finally, they discuss practical ways to own bonds—ETFs, bullet ETFs, TIPS, and CLOs—and how to think about your allocation as you get closer to retirement.

Key Topics Covered:

What bonds are, how they work, and why the bond market is so big
How rising interest rates push bond prices down (and vice versa)
Investment-grade vs. non-investment-grade (high-yield) bonds and default risk
How bond spreads signal fear, recession risk, and investor sentiment
Using bonds for near-term goals like a house down payment vs. long-term retirement

Timestamps:

00:00 Intro and welcoming back David Stein

01:00 What are bonds and how do they differ from stocks?

03:00 How coupon rates, yields, and maturities work in practice

13:00 High-yield bonds, spreads, and what they tell you about recession risk

18:00 Defaults, diversification, and why most investors use bond ETFs

25:00 Using bonds for house down payments and near-term goals

29:00 How rising rates crushed bonds in 2022—and what that means going forward

33:00 Yield to maturity and duration: the two numbers that matter most

37:00 Modeling bond returns and recovering from price drops over time

41:00 Why valuations in stocks vs. math in bonds can change your allocation

44:00 Final thoughts on bonds as a tool for confidence and stability

Resources Mentioned:

Money for the Rest of Us (David Stein’s podcast)

AssetCamp (institutional-grade research tool)

Have questions for David? Email him at team@moneyfortherestofus.com

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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AAR25 - How to Make Smart Purchasing Decisions

Tue, 25 Nov 2025 10:00:00 -0000

You can download Evan’s free monthly budgeting spreadsheet here:
https://einvestingforbeginners.com/budget/

In this episode of At Any Rate, Evan Raidt and Andrew Sather dig into how to make smart spending decisions without living like a hermit or constantly feeling guilty every time you buy something.

They push back on the extreme “never spend money” advice that goes viral online, talk about how both of them have swung between over‑frugality and overspending, and explain why the real goal is a sustainable middle ground you can actually live with.

You’ll hear how to make sure a purchase truly fits your budget, why automation and separate accounts (or “vaults”) make life easier, and how to avoid lifestyle creep and sneaky “buy now, pay later” or monthly‑payment traps.

Topics Covered:

Why extreme “never spend money” advice backfires
How guilt and anxiety can wreck your spending decisions
What it actually means for a purchase to fit your budget
Using automation and separate accounts/vaults to simplify money
Planning for annual/irregular expenses (holidays, birthdays, clothes

Timestamps: 00:00 Intro and “have you ever bought anything?”
01:00 Extreme frugality trends and why they’re not sustainable
04:30 Swinging from super‑frugal to overspending (and back)

11:30 What it means for a purchase to truly fit your budget
15:00 Automation, separate accounts, and “vaults” for big goals
19:00 Lifestyle creep, furniture financing, and Amazon payment plans
28:30 Making sure you can still afford your needs after a purchase
36:00 Planning for holidays, birthdays, and other irregular costs
40:00 Willpower vs. systems, and final takeaways

Resources Mentioned:

Free monthly budgeting spreadsheet:⁠https://einvestingforbeginners.com/budget/⁠

Have questions or want to share how you handle big purchases? Email Evan at evan@einvestingforbeginners.com or comment below—your stories and questions help shape future episodes.

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Q&A from Bruno: Should You Trust Your Analysis, Buy Quantum ETFs, or Borrow Against Your Portfolio?

Mon, 24 Nov 2025 05:00:00 -0000

In this episode of the IFB podcast, Dave and Andrew answer a thoughtful set of questions from listener Bruno about building confidence as a long-term investor, using ETFs like the S&P 500 and a quantum-themed ETF, and whether it ever makes sense to leverage an investment portfolio when buying a home.

Dave and Andrew share practical ways to narrow the universe of stocks using simple filters like the price-to-earnings ratio, plus how checklists and focusing on a single industry can make decisions easier and less overwhelming.

They discuss why knowing “what’s under the hood” is critical, how position sizing matters, and why most investors are better off treating thematic ETFs as small, speculative slices of a portfolio.

Finally, they address Bruno’s question about using an investment portfolio as collateral for a home loan, sharing their concerns about leverage, black swan risks, and why this is usually a high-net-worth, advisor-level conversation.

Key Topics Covered:

How to build confidence reading fundamentals and financial reports

How investing checklists help you avoid blind spots and repeatable mistakes

Focusing on one industry at a time to compare a small set of competitors

Pros and cons of broad ETFs like the S&P 500 for long-term investors

The risks of using your portfolio as collateral for a home loan

Timestamps:

00:00 Intro and Bruno’s email with three big questions

01:00 Struggling to trust your own analysis and fundamentals

06:00 Decision overload, restaurant menus, and narrowing your choices

09:30 How a checklist can build trust in your process

18:00 Question 2: Thoughts on ETFs like the S&P 500 and a quantum ETF

20:00 Why broad S&P ETFs are a “set it and forget it” core holding

22:30 Looking under the hood of a quantum ETF and its holdings

28:00 Question 3: Using your portfolio to help buy a home

37:00 Final thoughts on planning, margin of safety, and Bruno’s questions

Resources Mentioned: The Vale Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

At Any Rate with Evan Raidt

https://open.spotify.com/episode/1KSDP3QV8VnLLL9Bz03Hi7?si=a1aa66569c2b4148

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

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Financials Demystified: Long‑Term Assets on the Balance Sheet Explained

Thu, 20 Nov 2025 05:00:00 -0000

Want to go deeper on real companies with simple, long-term investing guidance? Subscribe to the Investing for Beginners newsletter, where Dave and Andrew share stock ideas, valuations, and lessons from real businesses straight to your inbox.

In this episode, Dave and Andrew continue their Financials Demystified series by breaking down long‑term assets on the balance sheet and why they matter so much for long‑term investors.

They walk through real companies to show how different business models leave different “fingerprints” on the balance sheet. Martin Marietta Materials illustrates a classic capital‑intensive business, with huge investments in machinery, equipment, and mineral reserves.

NVIDIA shows the opposite: a capital‑light designer that outsources manufacturing to TSMC, runs with massive current assets, and converts that into high margins and free cash flow.

The guys also dig into Alphabet, Amazon, Meta, and others to explain goodwill, equity investments, reverse acqui‑hires, operating lease assets, and how all of these choices flow through to reported earnings and risk.

Key Topics Covered:

What long‑term assets are and how they differ from current assets
How property, plant, and equipment (PP&E) works in capital‑intensive businesses
Goodwill and equity investments at Amazon and Alphabet (Rivian, Anthropic, Character.ai
Deferred tax assets, intangibles, and “other long‑term assets” on the balance sheet
Operating lease assets and what they reveal about owning vs. renting locations

Timestamps:

00:00 Intro and Financials Demystified series setup

02:30 What are long‑term assets? (vs. current assets)

06:30 Real‑world examples: Walmart, Target, Home Depot, and leases

18:30 Martin Marietta example: machinery, equipment, and mineral reserves

24:00 NVIDIA example: capital‑light model, cash, and high margins

30:00 Amazon and Alphabet: equity investments, Anthropic, Rivian, Character.ai

34:30 Goodwill, write‑offs, and what they say about capital allocation

38:30 Ratios and metrics: PP&E vs. revenue, goodwill vs. total assets, ROIC

36:30 Operating lease assets, Texas Roadhouse, and store ownership vs. renting

End Why the balance sheet is underrated and how to practice with real companies

Have questions or want your story featured? Email the show at equity@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Download the ⁠⁠⁠⁠⁠Plynk app⁠⁠⁠⁠⁠ today to start building your investing confidence: https://plynkinvest.app.link/IFB
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AAR24 - Credit Cards: Tool or Trap?

Tue, 18 Nov 2025 10:00:00 -0000

You can download Evan’s free monthly budgeting spreadsheet here:
https://einvestingforbeginners.com/budget/

In this episode of At Any Rate, Evan Raidt and Dave Ahern tackle one of the most misunderstood tools in personal finance: credit cards.

They open with real-life horror stories—from a $20,000 cash advance to chase a “hot stock tip” to a college student stacking cards to upgrade his truck—and use them to show how easy it is to slide into crippling debt.

Evan and Dave also walk through the emotional and behavioral side—why points and 0% APR offers can push you to overspend, and why your credit limit is not your spending power.

But it’s not all doom and gloom. They outline the right way to use credit cards: as a tool to build credit, get fraud protection, and earn cash back—without ever paying a dime in interest.

You’ll hear practical tactics like weekly or automatic payoffs, keeping utilization low, consolidating high-interest debt with a personal loan, and even how parents can give their kids a head start by adding them as authorized users.

Topics Covered:

How credit cards actually work (revolving credit, hard pulls, limits)
The dangers of “free” points, perks, and 0% APR offers
Why your credit limit is not your budget
Consolidating card debt with a lower-rate personal loan
Fraud protection: credit vs. debit in real-life examples

Timestamps: 00:00 Intro and credit card horror stories
03:25 How credit cards really work (applications, hard pulls, limits)
06:40 Interest, fees, and why minimum payments are a trap
11:20 Average American credit card debt and compounding math
15:05 Why points and 0% APR can push you to overspend
18:40 When to consider a personal loan to wipe out card debt
20:20 Using cards to build credit and help your kids’ credit
23:10 Fraud protection: why Evan and Dave prefer credit over debit
26:20 Building a healthy routine: budgets, autopay, and utilization
30:35 Warren Buffett’s “bad” credit score and final takeaways

Resources Mentioned:

Free monthly budgeting spreadsheet:⁠https://einvestingforbeginners.com/budget/⁠

Have questions or a credit card story to share? Email Evan at evan@einvestingforbeginners.com or comment below—your questions help shape future episodes.

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Today’s show is sponsored by:

Download the ⁠⁠⁠⁠⁠Plynk app⁠⁠⁠⁠⁠ today to start building your investing confidence: https://plynkinvest.app.link/IFB ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Buy and sell your next car the easy way with, ⁠Carvana⁠—no haggling, no hassle, just click and drive.

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Recreating a Billionaire's Stock Buying Checklist

Mon, 17 Nov 2025 11:52:00 -0000

You can read the full blog post “Mohnish Pabrai’s Stock Buying Checklist” here:

In this episode, Andrew and Dave walk through a stock-buying checklist inspired by Mohnish Pabrai and his book The Dhandho Investor.

Instead of reading all 34 questions, they “draft” their favorites like a fantasy football team, using each pick to highlight a key principle of smart, long-term investing.

They discuss how to think about a company’s future prospects, why understanding how a business actually makes money is non‑negotiable, and how to identify key risks before you get too attached to a stock.

They also dig into moats, capital allocation, balance sheets, and valuation tools like DCFs and reverse DCFs—always tying it back to practical ways individual investors can avoid big mistakes and focus on quality businesses.

Key Topics Covered:

Understanding how a company makes money (and why that’s rule #1)
Identifying key risks before you “drink the Kool-Aid”
Using ROIC to spot great businesses and efficient capital allocation
Earnings growth history and what’s really driving it (revenue, margins, divestitures)
Independent thinking in management vs. following the industry herd

Timestamps: 00:00 Intro: Checklist episode and fantasy draft format
00:24 Background on Mohnish Pabrai and the stock-buying checklist
01:14 Andrew’s first pick: future prospects of the business
03:36 Dave’s pick: how the company makes money
06:48 Identifying key risks and avoiding blind spots
09:44 Does the company have a durable competitive advantage (moat)?
12:27 Using ROIC to measure efficiency and moat strength
14:44 Capital allocation as job #1 for the CEO
18:28 What pain does the business solve for the customer?
21:40 Assessing the strength of the balance sheet
25:36 Has the company grown earnings above the market average?
29:08 Calculating intrinsic value with different valuation methods
36:28 Does management have a plan, and do they communicate it?
39:50 Where to find the full 34‑item checklist blog post and closing thoughts

Resources Mentioned:

Mohnish Pabrai’s Stock Buying Checklist blog post:⁠https://einvestingforbeginners.com/stock-buying-checklist-daah/⁠
Digging into Semiconductors: Analyzing Skyworks with Tyler Nash:⁠https://einvestingforbeginners.com/digging-into-semiconductors-analyzing-skyworks-with-tyler-nash/⁠

Have questions or want your story featured? Email the show or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Download the ⁠⁠⁠⁠Plynk app⁠⁠⁠⁠ today to start building your investing confidence: https://plynkinvest.app.link/IFB ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Buy and sell your next car the easy way with, Carvana—no haggling, no hassle, just click and drive.

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Recent Stock Crashes: What the 🤯 Just Happened

Thu, 13 Nov 2025 05:00:00 -0000

You can find more resources and tools at einvestingforbeginners.com.

In this episode, Andrew and Dave break down the recent volatility in the stock market, focusing on why certain stocks are crashing after earnings releases.

They dig into the stories behind big drops at companies like Fiserv, Chipotle, and Duolingo, exploring whether these moves are justified and what investors can learn from them.

They also debate the impact of AI on business models, the importance of understanding a company’s core strengths, and why sometimes the market’s harsh reaction is warranted.

Topics Covered:

Why stocks are crashing after earnings releases
The story behind Fiserv’s 40% drop
How to spot “empire building” and why it’s risky
Lessons from PayPal’s struggles and turnaround attempts
Chipotle’s earnings miss and the restaurant industry landscape
What’s really happening with consumer spending at restaurants
Duolingo’s growth, profitability, and AI “threat”
How to evaluate young, high-growth companies (and their management)
The role of “moat” and competitive advantage in long-term investing
Is the AI narrative overblown for some businesses?
How to keep your cool when stocks drop 20%–40%

Timestamps: 00:00 Introduction: Why are stocks crashing?
01:39 Fiserv’s 40% drop and business breakdown
04:10 What Fiserv actually does (banking tech & payments)
09:00 Empire building, PayPal parallels, and management mistakes
12:00 Key metrics: revenue, margins, ROIC
17:00 Excuses vs. reality: beef prices, consumer spending
24:00 Broader economic signals: layoffs, Visa/Mastercard data
30:00 Duolingo: growth, profitability, and AI worries
33:00 Capital allocation and management track record
36:00 AI: threat or opportunity for niche apps?
42:00 How to evaluate conviction, moats, and long-term outlook
45:00 Wrapping up: learning from market reactions and avoiding panic

Resources Mentioned: Visit einvestingforbeginners.com⁠ (for calculators, tools, and more)

Have questions or want your story featured? Email the show or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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AAR23 - How to Get the Best Deal on a House

Tue, 11 Nov 2025 10:00:00 -0000

You can find Evan’s home buying calculator at einvestingforbeginners.com/home.

In this episode, Evan Raidt is joined by Andrew Sather to answer a listener’s question about how Evan was able to secure a 4% mortgage rate in today’s market.

They break down the process of finding below-market rates, discuss the pros and cons of new builds versus resale homes, and share personal experiences and tips for anyone considering buying a home.

They cover the details of FHA loans, builder incentives, the value of a good realtor, and why some traditional home buying advice may be outdated.

The conversation is packed with practical advice and actionable insights for anyone navigating the current real estate landscape.

Topics Covered:

How Evan got a 4% mortgage rate in a 6–7% market
What is a “Red Tag Event” and how to find builder deals
The difference between FHA and conventional loans
Pros and cons of new builds vs. resale homes
Fixed vs. variable interest rates explained
The true upfront and ongoing costs of homeownership
The impact of private equity on affordability
Why a good realtor is worth their weight in gold
Navigating dual-party realtors and buyer representation
Outdated home buying myths and modern realities
Using calculators and tools to make smart decisions

Resources Mentioned:

Timestamps: 00:00 Introduction and Listener Question
02:12 How Evan Got a 4% Mortgage Rate
04:10 What is a Red Tag Event?
06:44 Builder Incentives and Lower Rates
08:40 Fixed vs. Variable Interest Rates
11:00 Why Choose a New Build Over a Resale Home?
14:00 The Real Costs of Remodeling and Maintenance
17:05 Comparing Price Per Square Foot: New vs. Resale
19:30 Location, Timing, and Market Surprises
21:24 How Market Timing Helped Evan Get a Deal
23:10 The Impact of Private Equity on Home Affordability
24:06 Using the Home Buying Calculator
25:41 The True Upfront Costs of Buying a Home
27:06 Why Upkeep and Repairs Matter
28:55 The Value of a Good Realtor
31:00 How to Find Builder Deals Like Red Tag Events
33:56 Navigating Dual-Party Realtors
35:42 Why Not Everything Is About Money
37:01 Final Thoughts and Recap of Listener Question
39:04 Resources and How to Reach Out
40:09 Outro

Have questions or want your story featured? Email Evan at evan@einvestingforbeginners.com or comment below. Your feedback shapes the show!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate—we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

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Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Stock Market Nerd’s Guide to Investing

Mon, 10 Nov 2025 05:00:00 -0000

In this episode of the Investing for Beginners Podcast, Brad Freeman from Stock Market Nerd joins the discussion to provide his insights on various investment strategies and the importance of understanding financial statements.

Brad shares his journey into the world of investing, the critical factors he considers when evaluating stocks, and the role of strong leadership in company success. He also dives into specific sectors like cybersecurity and explains his cautious approach to AI and bubble markets. Brad discusses his meticulous research process, his valuation techniques, and the influence of international investments on his portfolio.

00:00 Introduction and Guest Welcome

00:35 Why Choose Stocks?

03:10 Developing an Investment Framework

05:34 Learning from Mistakes

11:29 Research Process and Tools

25:20 Identifying Investment Opportunities

28:36 Evaluating Rubrik's Competitive Landscape

30:36 Building a Wishlist of High-Quality Companies

31:50 The Importance of Trusting CEOs

38:35 Valuation and Investment Strategies

42:46 Market Cap Preferences and Geographic Considerations

47:38 The AI Bubble and Investment Caution

54:19 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Some of the Biggest "Lightbulb Moments" of Our Investing Journey

Thu, 06 Nov 2025 05:00:00 -0000

In this episode of the pod, Andrew and Dave discuss pivotal 'light bulb moments' from their investment journeys. They explore essential insights including company growth's impact on valuation, the importance of understanding a business before investing, differentiating between types of stock dips, and critical lessons learned from investment mistakes with companies like Intel, Crown Castle, Starbucks, and GameStop.

The hosts also share valuable knowledge gained from reading notable investment literature and shareholder letters, emphasizing key concepts like financial statement connections, the role of ROIC and WACC, the power of scale economies, and more. Through their experiences, they illustrate how these revelations have shaped their approach to analyzing and selecting stocks.

00:00 Welcome to Investing for Beginners

00:29 Andrew's Light Bulb Moment: Growth and Valuation

02:48 Dave's Light Bulb Moment: Learning from Mistakes

04:49 Understanding Business Models and Competition

13:52 The Importance of Financial Statements

20:12 Valuation and the DCF Model

25:31 Lessons from Investment Masters

32:42 The Power of Scale Economies

34:43 Wrapping Up and Listener Engagement

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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AAR22 - Renting vs. Owning: No Easy Answer

Tue, 04 Nov 2025 05:00:00 -0000

You can find Evan’s home buying calculator at einvestingforbeginners.com/home.

In this episode, Evan Raidt and Dave Ahern tackle the classic debate of renting vs. owning a home.

They break down the numbers behind home affordability, share real-life experiences, and discuss how your personal goals and financial situation should drive your decision—not outdated advice or pressure from others.

From the dramatic shift in home price-to-income ratios to the realities of being “house poor,” Evan and Dave offer honest insights, practical tips, and a few laughs to help you make the best choice for your life.

Topics Covered:

How home affordability has changed since the 1980s
The real monthly costs of owning a home
What it means to be “house poor”
Pros and cons of renting vs. owning
The impact of lifestyle and flexibility on your decision
Common misconceptions about buying a home
Personal stories: why Evan bought and why Dave rents
Using calculators and tools to make smart decisions

Timestamps: 00:00 Introduction & The Home Price-to-Income Ratio
02:00 Renting vs. Owning: The Real-Life Experience
06:00 Why Most People Don’t Plan for Homeownership
09:30 Planning Ahead vs. Waiting for Opportunity
12:45 How Home Affordability Has Shifted
16:00 The Modern Reality: Dual Incomes & Rising Costs
19:30 Breaking Down the True Cost of Buying a Home
25:00 What Does “House Poor” Really Mean?
28:00 Comparing Monthly Costs: Renting vs. Owning
31:00 Pros and Cons: Maintenance, Flexibility, and Lifestyle
35:00 Personal Stories: Decision Factors for Evan & Dave
39:00 Misconceptions and Outdated Advice
41:30 Final Thoughts, Tools, and How to Reach Out

Resources Mentioned:

Home Buying Calculator⁠⁠

⁠⁠Monthly Budget Tool⁠⁠

Questions or feedback? Email Evan at evan@einvestingforbeginners.com or comment below—your stories and questions help us make the show better!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate—we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

⁠Download the Plynk app⁠ today to start building your investing confidence: https://plynkinvest.app.link/IFB

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

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This message is sponsored by Greenlight. Don’t wait to teach your kids real-world money skills, start your risk-free Greenlight trial today at ⁠⁠⁠greenlight.com/investing⁠⁠⁠.

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Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

If you’d like to discuss sponsorship or advertising opportunities, shoot us an email at ⁠equity@einvestingforbeginners.com⁠.

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Financials Demystified: Understanding Current Assets for Beginners

Mon, 03 Nov 2025 05:00:00 -0000

Welcome to the Investing for Beginners podcast! In this episode of 'Financials Demystified,' we dive into the world of current assets, focusing primarily on current assets and their importance in investment strategies. Learn about balance sheets, liquidity, current vs long-term assets, and popular financial ratios like the current ratio and quick ratio.

We use examples from companies like Walmart, Target, and Circuit City to illustrate key points and explore how effective inventory management can impact a company's financial health.

00:00 Welcome to Investing for Beginners

00:30 Understanding Current Assets

03:41 The Importance of Inventory

04:36 Analyzing Walmart and Target

09:57 Liquidity and Solvency

10:51 Current Ratio Explained

15:01 Quick Ratio and Circuit City Case Study

23:00 Other Current Assets

29:59 Airlines and Liquidity Challenges

35:03 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Today’s show is sponsored by:

Download the Plynk app today to start building your investing confidence: https://plynkinvest.app.link/IFB

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

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Investing in Yourself: Skills, Mindsets, and Tools for Stock Pickers

Thu, 30 Oct 2025 00:00:00 -0000

In this episode, Andrew and Dave dive into the crucial yet often overlooked investment of self-improvement. The discussion covers various topics, including the significant ROI of investing in your own skills, the importance of compounding knowledge over time, and the mindset required to be a successful investor.

They emphasize building a robust knowledge base through reading, using tools like Audible and library resources, understanding accounting, utilizing financial data tools, subscribing to informational resources, keeping detailed investment notes, and listening to earnings calls.

The episode also addresses the importance of emotional IQ, humility, patience, and leveraging technological advancements to stay informed and make better investment decisions.

00:00 Welcome to Investing for Beginners

00:31 The ROI of Investing in Yourself

03:08 The Power of Stock Investing

05:49 Building Your Knowledge Base

15:21 The Importance of Emotional IQ in Investing

21:15 Balancing Confidence and Humility in Investing

21:54 Lessons from College Baseball

23:26 The Importance of Patience in Investing

28:54 Understanding Accounting: The First Tool for Investors

30:07 Leveraging Data Visualization Tools

35:53 The Power of Note-Taking and Journaling

38:28 The Value of Earnings Calls

42:19 Conclusion: Investing in Yourself

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

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This message is sponsored by Greenlight. Don’t wait to teach your kids real-world money skills, start your risk-free Greenlight trial today at ⁠⁠greenlight.com/investing⁠⁠.

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AAR21 - 5 Ratios to Understand Your Financial Situation

Tue, 28 Oct 2025 05:00:00 -0000

You can find Evan's custom home buying spreadsheet by going to ⁠⁠⁠⁠http://Einvestingforbeginners.com/homebuying

In this episode, Evan Raidt and returning guest Dave Ahern dive deep into essential financial ratios crucial for maintaining and tracking your financial well-being.

They discuss various topics, including savings rate, cost of needs ratio, the importance of emergency funds, net investment ratio, debt to income ratio, and a bonus segment on partner income ratio for couples.

The discussion emphasizes the importance of using these ratios as guidelines for personal financial improvement rather than strict benchmarks and advises against comparing oneself to others.

The episode also touches on the practical aspects of managing these ratios, including setting up automated savings and handling joint finances responsibly. 00:00 Introduction and Guest Welcome 00:31 Understanding Financial Ratios 01:49 The Danger of Comparisons 04:59 Calculating Your Savings Rate 06:18 Gross vs. Net Income 09:03 Cost of Needs Ratio 16:32 Emergency Fund Ratio 21:32 The Importance of an Emergency Fund 22:59 Understanding the Net Investment Ratio 25:16 Calculating Your Net Worth 30:08 Debt to Income Ratio Explained 37:14 The Dangers of Buy Now, Pay Later 39:53 Partner Income Ratio in Relationships 43:18 Final Thoughts and Practical Tips

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The Truth Behind the Most Famous Slogans on Wall Street

Mon, 27 Oct 2025 00:00:00 -0000

In this episode of the podcast, Andrew and Dave dive into the truth behind some of Wall Street's most famous slogans. They discuss the deeper meanings and practical implications of slogans like 'Greed is good,' 'Buy low, sell high,' 'The trend is your friend,' and many more.

The conversation covers the dangers of greed, the challenges of market timing, the importance of understanding business fundamentals, and the nuances of investing strategies. Listeners are encouraged to focus on long-term value investing and to exercise caution with hype-driven market trends.

00:00 Welcome to Investing for Beginners

00:23 Greed is Good: Analyzing the Famous Slogan

02:49 Buy Low, Sell High: Timeless Investment Mantra

04:12 The Trend is Your Friend: Understanding Market Trends

11:18 Sell in May and Go Away: Seasonal Investment Strategies

14:25 Buy the Rumor, Sell the News: Speculative Investing

16:28 Bulls, Bears, and Pigs: Market Behavior Insights

24:54 Time in the Market vs. Timing the Market

26:58 Cash is King: The Role of Liquidity in Investing

31:24 Risk Comes from Not Knowing What You're Doing

33:18 Money Never Sleeps: The Ever-Active Market

34:53 Conclusion and Listener Engagement

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Investing for Your Children's Future: Beginner's Guide & Key Accounts Explained

Thu, 23 Oct 2025 00:00:00 -0000

In this episode of the Investing for Beginners podcast, we explore the topic of investing for your children. We dive into various investment options available, such as 529 accounts, custodial IRAs, and the new Trump account. The hosts discuss the importance of starting early and the benefits of tax-advantaged accounts. You'll hear practical advice on how to get your kids interested in the stock market, the power of compounding, and the impact of early financial education on their future.

00:00 Introduction to Investing for Kids

00:24 Bitcoin and Other Investment Options

00:48 529 Plans: A Smart Start for College Savings

05:41 UTMA and UGMA Accounts: Flexible Investment Options

11:50 Custodial IRA Accounts: Investing with Earned Income

13:36 The New Trump Account: A Government-Backed Investment

15:26 The Power of Compounding: Why Start Early?

17:49 Engaging Kids in Investing: Tips and Stories

28:38 Conclusion: Setting Up Your Kids for Financial Success

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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AAR20 - New Job? How to Handle Finances During a Job Change

Tue, 21 Oct 2025 05:00:00 -0000

You can find Evan's custom home buying spreadsheet by going to ⁠⁠⁠http://Einvestingforbeginners.com/homebuying

In this episode, host Evan Raidt is joined by Andrew Sather to offer practical advice on managing finances during a job transition.

They discuss the concept of lifestyle inflation and why merely avoiding it isn't sufficient. Instead, they recommend a balanced approach, suggesting a 30/70 split between spending and saving any income increase.

Key points include accounting for hidden expenses like insurance and taxes, understanding the importance of emergency funds, and navigating the complexities of benefits like 401k and FSA accounts when switching jobs.

The episode also emphasizes the significance of communication and financial rebalancing in relationships during such transitions. Evan and Andrew conclude with sustainable strategies to ensure financial stability and emotional well-being.

Whether you're receiving a raise or taking a pay cut, their advice aims to help you make informed, balanced financial decisions during your job move. 00:00 Introduction and Welcome 00:57 Defining Lifestyle Inflation 02:34 Handling Salary Increases and Decreases 03:46 Hidden Expenses and Detailed Budgeting 06:59 Spending and Saving Strategies 20:27 Emergency Funds and Job Security 21:54 Retirement Accounts and Benefits 26:25 Relationship and Financial Communication 32:07 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

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Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LIQUID-IV DOT COM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and get 20% off your first order with code INVESTING at checkout.

Leesa has a lineup of beautifully crafted mattresses tailored to how you sleep – without the luxury price tag. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Leesa.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, promo code INVESTING for 25% off mattresses PLUS an extra $50 off.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Go to ⁠⁠⁠⁠⁠⁠tesbros.com⁠⁠⁠⁠⁠⁠ and use code POD15 for 15% off your first order. For our EXCLUSIVE GIVEAWAY, and your chance to win a DIY PPF Full Body Wrap kit tailored to your ride, simply go to this link:

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Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Financials Demystified: Everything Outside EBIT

Mon, 20 Oct 2025 00:00:00 -0000

In this episode, Andrew and Dave dive deep into understanding the income statement beyond EBIT. They discuss the importance of taxes, the lifecycle of companies and its impact on financials, and Warren Buffet's insights on tax deferred assets.

The hosts also explore interest expenses, interest income, and their significance to a company's financial health. They highlight the value of footnotes and other financial statement details, providing tips on identifying potential issues and assessing investments more effectively.

00:00 Welcome to Investing for Beginners

01:18 Understanding the Company Lifecycle

03:24 The Impact of Taxes on Businesses

12:57 Interest Expense and Its Implications

17:15 Exploring Interest Income

24:05 The Importance of Footnotes in Financial Statements

33:21 Final Thoughts and Wrap-Up

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Today’s show is sponsored by:

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Don't Get Too Excited About AI Headlines Hype. Here's Why

Thu, 16 Oct 2025 00:00:00 -0000

In this episode, Andrew and Dave discuss current news surrounding AI partnerships and investments, focusing on major deals involving OpenAI, Oracle, AMD, and Nvidia. They analyze the implications of a $400 billion deal between OpenAI and Oracle, expressing concerns about OpenAI's profitability and the feasibility of such large-scale financial commitments.

The conversation also explores how major cloud players like Microsoft, Google, and Amazon are impacted by CapEx spending related to AI growth and cloud infrastructure. They reflect on historical investment trends, technological booms, and the challenges in accurately predicting long-term winners in emerging tech industries. The hosts emphasize cautious optimism and the importance of a diversified investment approach.

00:00 Welcome to Investing for Beginners

00:03 AI Power Plays in the News

00:45 Oracle's $400 Billion Deal with OpenAI

01:18 Concerns About OpenAI's Profitability

01:37 The Role of Oracle in AI Infrastructure

04:05 The Black Box of OpenAI's Financials

04:52 Skepticism Around AI Revenue Projections

08:36 Historical Parallels: The Dot-Com Bubble

12:55 Impact on Major Cloud Players

13:14 Understanding Cloud Hyperscalers

17:20 CapEx Spending and Returns

20:31 Future of AI and Cloud Investments

24:27 Speculation and Caution in AI Investments

32:45 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Today’s show is sponsored by:

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Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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AAR19 - 5 Ways to Protect Your Retirement

Tue, 14 Oct 2025 09:00:00 -0000

You can find Evan's custom spreadsheet by going to ⁠⁠http://Einvestingforbeginners.com/homebuying

In this episode of 'At Any Rate,' host Evan Raidt and guest co-host Dave Ahern delve into crucial strategies for planning and securing your retirement.

They discuss the importance of leveraging tax benefits, understanding retirement account rules, preparing for unexpected expenses, and considering passive income options like real estate.

The hosts also emphasize the significance of maintaining a high-yield savings account or bonds as a safety net.

This episode offers practical advice on how to make sustainable financial changes to ensure a comfortable retirement. 00:00 Introduction and Welcome 00:25 Discussing Retirement and Its Importance 02:50 Tax Benefits of Retirement Accounts 04:52 Understanding Roth IRA and Traditional IRA 09:49 The 4% Rule for Retirement 17:08 Passive and Semi-Passive Income in Retirement 24:58 Preparing for Taxes in Retirement 31:20 Emergency Funds and Safety Nets 32:28 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LIQUID-IV DOT COM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and get 20% off your first order with code INVESTING at checkout.

Leesa has a lineup of beautifully crafted mattresses tailored to how you sleep – without the luxury price tag. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Leesa.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, promo code INVESTING for 25% off mattresses PLUS an extra $50 off.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Go to ⁠⁠⁠⁠⁠tesbros.com⁠⁠⁠⁠⁠ and use code POD15 for 15% off your first order. For our EXCLUSIVE GIVEAWAY, and your chance to win a DIY PPF Full Body Wrap kit tailored to your ride, simply go to this link:

⁠⁠⁠⁠https://station.page/tesbros/contest/theinvestingfor⁠⁠⁠⁠

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Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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The Secret Business Model Behind Visa and Mastercard

Mon, 13 Oct 2025 00:00:00 -0000

In this episode, Andrew and Dave delve into the intricate business models of Visa and MasterCard. They discuss the performance and history of these companies, emphasizing Visa's American-centric focus compared to MasterCard's international reach. The conversation covers the concept of a duopoly and how both companies have become dominant players through strong network effects.

They analyze the revenue streams of Visa, including service revenues, data processing, international transactions, and value-added services, and discuss the growth potential of these segments. The episode also compares Visa and MasterCard with competitors like American Express and Discover, highlighting the differences in their business models. Key risks such as regulation, real-time payments, and platform power are examined. The episode concludes by exploring the future of the industry and the potential for further innovation in payment systems.

00:00 Introduction to the Podcast

00:30 Why Care About Visa and MasterCard?

00:50 History and Overview of Visa and MasterCard

04:00 Understanding the Business Model

13:53 Revenue Streams of Visa

24:50 Comparing Visa and MasterCard

25:52 Competitors: American Express and Discover

30:59 Risks and Future Outlook

39:58 Conclusion and Additional Resources

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠

Today’s show is sponsored by:

⁠⁠⁠⁠https://station.page/tesbros/contest/theinvestingfor⁠

⁠⁠⁠⁠⁠

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠

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Using AI for Stock Research: Tips + Prompts with Brian Feroldi

Thu, 09 Oct 2025 00:00:00 -0000

Welcome to the Investing for Beginners podcast. In this episode, we are joined by Brian Feroldi from the Long-Term Mindset to explore how AI can enhance stock research. Brian shares his experience and tips on integrating AI for fundamental analysis, explaining its benefits and limitations.

He walks through various practical AI prompts to analyze a company, from business phase analysis to risk assessment. Brian also introduces his tool, Stock Simplifier, including in-depth prompts for effective research.

00:00 Welcome and Introduction

00:30 Embracing AI in Everyday Life

01:31 AI for Fundamental Analysis

02:50 Benefits of Using AI in Investing

05:19 Addressing AI Concerns and Trust Issues

10:15 Effective AI Prompting Techniques

17:19 Live Demonstration: AI in Action

24:06 Revenue Breakdown and Customer Purchase Frequency

25:05 Pricing Power and Market Sensitivity

25:51 Recession Impact Analysis

27:40 AI-Powered Moat Analysis

33:11 Business Phase Analysis

37:07 Risk Assessment Using AI

41:39 AI in Stock Analysis: Efficiency and Future

44:19 Stock Simplifier: A Tool for Retail Investors

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠Stock Simplifier with AI Prompts

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LIQUID-IV DOT COM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and get 20% off your first order with code INVESTING at checkout.

Leesa has a lineup of beautifully crafted mattresses tailored to how you sleep – without the luxury price tag. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Leesa.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, promo code INVESTING for 25% off mattresses PLUS an extra $50 off.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Go to ⁠⁠⁠⁠tesbros.com⁠⁠⁠⁠ and use code POD15 for 15% off your first order. For our EXCLUSIVE GIVEAWAY, and your chance to win a DIY PPF Full Body Wrap kit tailored to your ride, simply go to this link:

⁠⁠⁠https://station.page/tesbros/contest/theinvestingfor

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AAR18 - Having a Budgeting Breakthrough with Kathy Tomes

Tue, 07 Oct 2025 09:00:00 -0000

You can find Evan's custom spreadsheet by going to ⁠http://Einvestingforbeginners.com/homebuying

On this episode of 'At Any Rate,' host Evan Raidt welcomes Kathy Tomes, creator and host of 'Budgeting Breakthrough.' They discuss making sustainable financial changes, Kathy’s personal financial awakenings, and the development of her Budgeting Breakthrough system.

Key topics include the importance of financial planning, emotional aspects of money management, the power of automation, and tips for maintaining financial discipline.

Kathy also shares insights into using her budgeting tool for achieving various financial goals and why investing in financial tools can outweigh their costs.

The episode emphasizes the concept of financial freedom through consistent and mindful financial habits. 00:00 Welcome and Introduction 00:06 Meet Kathy Tomes: Budgeting Expert 00:41 Kathy's Financial Awakening 03:03 The Birth of Budget Breakthrough 04:41 Automation and Financial Beliefs 05:47 Prioritizing Financial Freedom 10:06 Sustainable Financial Changes 12:04 The Origin of Budget Breakthrough 17:30 Using Budget Breakthrough for Various Goals 19:13 Client's Retirement Lifestyle Shift 20:27 Personal Financial Rituals 21:10 Vision Budgeting and Manifesting 24:40 Budgeting Tools and Techniques 30:57 Credit Card Management Strategies 34:22 Investing in Financial Tools 37:23 Conclusion and Resources

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Unlock the habits and tools for real financial transformation—start your today with Kathy at budgetbreakthrough.com!

Today’s show is sponsored by:

⁠⁠⁠https://station.page/tesbros/contest/theinvestingfor⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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The Stocks Behind Everyday Life (Part 2)

Mon, 06 Oct 2025 00:00:00 -0000

In this episode of the Investing for Beginners Podcast, Dave and Andrew continue their discussion on finding investment ideas from everyday life. They explore companies associated with the modern workday, such as Google, Salesforce, and Dell, highlighting their financial performance and growth prospects.

Other companies discussed include Starbucks, Zoom, DoorDash, Wendy's, Otis Elevators, and Uber, providing a comprehensive overview of their market position and financial health.

The episode emphasizes the importance of understanding business models and staying informed about the investment potential of the companies encountered daily. The hosts also stress the value of looking beyond traditional stock screeners and finding hidden investment gems in familiar places.

00:00 Introduction and Recap of Part One

00:38 Exploring Workplace Investment Ideas

01:18 Deep Dive into Google

04:56 Analyzing Salesforce

08:11 Starbucks: A Surprising Contender

10:35 Zoom: The Pandemic Darling

14:14 Dell Computers: A Solid Investment?

16:08 Lunch Break: Wendy's and DoorDash

16:43 Dave's Burgers and Disappointment

16:58 Analyzing DoorDash's Performance

21:04 Wendy's Struggles and Fast Food Woes

23:36 Otis Elevators: A Stable Investment?

25:07 Netflix's Growth and Content Strategy

29:50 Uber vs. Lyft: A Tale of Two Rideshares

33:10 Conclusion: Finding Stocks in Everyday Life Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LIQUID-IV DOT COM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and get 20% off your first order with code INVESTING at checkout.

Leesa has a lineup of beautifully crafted mattresses tailored to how you sleep – without the luxury price tag. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Leesa.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, promo code INVESTING for 25% off mattresses PLUS an extra $50 off.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Go to ⁠⁠⁠tesbros.com⁠⁠⁠ and use code POD15 for 15% off your first order. For our EXCLUSIVE GIVEAWAY, and your chance to win a DIY PPF Full Body Wrap kit tailored to your ride, simply go to this link:

⁠⁠https://station.page/tesbros/contest/theinvestingfor⁠⁠

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠

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The Most Exciting Change to Our Business Yet

Thu, 02 Oct 2025 00:00:00 -0000

In this episode, Andrew and Dave announce a major change for their business, as Dave takes over as the new portfolio manager for Value Spotlight. The discussion includes Dave's investment focus on payments, semiconductors, and energy sectors, explaining why these industries are promising for the future.

Dave shares his journey of learning about these sectors, including experiences with JP Morgan, and offers insights into his investing philosophy, how he manages risks, and his diligence in handling investor responsibilities.

An overview of Value Spotlight's future directions under Dave's leadership is also provided.

00:00 Welcome and Big Announcement

00:23 Transition to New Portfolio Manager

01:35 Focus on Payments Industry

04:38 Global Impact of Mobile Payments

07:19 Understanding Visa and MasterCard

13:14 Introduction to Semiconductors

15:21 Learning About the Semiconductor Industry

19:30 Exploring the Energy Sector

32:52 Introduction to Investment Philosophy

33:55 Managing Portfolio Risks

35:03 Learning from Market Crashes

38:42 Dealing with Investment Mistakes

42:02 The JP Morgan Story

45:26 Becoming a Writer

48:39 Excitement for Stocks and the Market

50:17 Value Spotlight and Future Plans

54:22 Final Thoughts and Encouragement

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LIQUID-IV DOT COM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and get 20% off your first order with code INVESTING at checkout.

Leesa has a lineup of beautifully crafted mattresses tailored to how you sleep – without the luxury price tag. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Leesa.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, promo code INVESTING for 25% off mattresses PLUS an extra $50 off.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Go to ⁠⁠tesbros.com⁠⁠ and use code POD15 for 15% off your first order. For our EXCLUSIVE GIVEAWAY, and your chance to win a DIY PPF Full Body Wrap kit tailored to your ride, simply go to this link:

⁠https://station.page/tesbros/contest/theinvestingfor⁠

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠

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AAR17 - Our Home Buying Experience

Tue, 30 Sep 2025 09:00:00 -0000

You can find Evan's custom spreadsheet by going to http://Einvestingforbeginners.com/homebuying

In this episode, Evan Raidt and Andrew Sather dive deep into the personal and transparent journey of buying a first home.

Evan details the step-by-step process he and his wife underwent, from saving 30-40% of their income post-college to navigating the complexities of home-buying.

The discussion includes budget strategies, financial decisions, and unexpected hurdles.

Additionally, Evan highlights the importance of honest communication in partnerships, hiring the right realtor, and getting a professional home inspection.

He also introduces a free home-buying calculator to help future homeowners plan effectively.

The episode concludes with Evan inviting listeners to ask questions for a future follow-up session. 00:00 Introduction and Guest Welcome 00:19 Personal Home Buying Journey Begins 01:50 Financial Planning and Budgeting 08:35 Deciding to Buy a Home 09:59 Exploring Home Options and Tools 16:32 Choosing a New Home 21:48 Starting the Closing Process 22:27 Making the Earnest Money Deposit 23:54 Navigating Financial Scrutiny 25:14 Securing Home Insurance 25:49 Importance of Home Inspection 29:39 Finalizing the Purchase 31:01 Mistakes to Avoid as a First-Time Home Buyer 36:04 Understanding Realtor Roles 40:38 Q&A and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

⁠⁠https://station.page/tesbros/contest/theinvestingfor⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Falling Knives & Hidden Gems: What Adobe Teaches About Risky Stocks

Mon, 29 Sep 2025 00:00:00 -0000

Welcome to another episode of the Investing for Beginners podcast! In today's Q&A session, Dave and Andrew tackle three listener questions that span a variety of investing topics.

First, they help Freddy from Canada decide whether to keep his investments in an RRSP or move them to a TFSA. Next, they answer Boz's question about Adobe stock, discussing whether it's undervalued or a falling knife. Lastly, they explain the concept of 'cost of equity' and its importance to investors, especially younger ones.

00:00 Introduction and Listener Questions Overview

00:22 Freddy's Dilemma: RRSP vs TFSA

11:09 Analyzing Adobe's Stock: Is It Undervalued?

22:46 The SNAP Test and Adobe's Market Position

23:36 Identifying Falling Knives in the Market

24:49 Case Study: GameStop's Financial Struggles

27:01 Key Indicators of a Falling Knife

31:08 Understanding the Cost of Equity

36:52 Impact of Interest Rates on Cost of Equity

41:23 Resources for Learning About Cost of Equity

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LIQUID-IV DOT COM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and get 20% off your first order with code INVESTING at checkout.

Leesa has a lineup of beautifully crafted mattresses tailored to how you sleep – without the luxury price tag. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Leesa.com⁠⁠⁠⁠⁠⁠⁠⁠⁠, promo code INVESTING for 25% off mattresses PLUS an extra $50 off.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Go to ⁠tesbros.com⁠ and use code POD15 for 15% off your first order. For our EXCLUSIVE GIVEAWAY, and your chance to win a DIY PPF Full Body Wrap kit tailored to your ride, simply go to this link:

https://station.page/tesbros/contest/theinvestingfor

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠

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Unlocking Investment Strategies with Daniel and Shawn from the Intrinsic Value Podcast

Thu, 25 Sep 2025 00:00:00 -0000

Welcome to another episode of the Investing for Beginners podcast! In this engaging discussion, we welcome back Daniel and Shawn from the Intrinsic Value Podcast to dive deep into investment strategies.

We explore how they source investment ideas, their approaches to understanding company value, and the importance of brand and consumer insights. With a focus on practicality, they share how they navigate competitive advantages, manage risk, and approach valuations.

00:00 Introduction and Guest Welcome

00:30 Sourcing Investment Ideas

01:21 Evaluating Companies and Inflection Points

02:09 Personal Investment Strategies

06:04 Community Insights and Bias

07:46 Writing and Research Process

16:56 Circle of Competence and Risk Management

34:35 Understanding Supply and Demand in Tech Investments

35:40 The Importance of Brand Value Over Technology

41:46 Valuation in the Investment Process

49:04 Evaluating Competitive Advantages and Moats

57:06 Insights on Global Market Differences

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Learn more from Daniel and Shawn:

Intrinsic Value Podcast website/newsletter

Intrinsic Value Podcast Spotify

Intrinsic Value Podcast YouTube

Today’s show is sponsored by:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Go to ⁠tesbros.com⁠ and use code POD15 for 15% off your first order. That’s T-E-S-B-R-O-S dot com and use code POD15 at checkout.

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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AAR16 - How to Avoid the Hype

Tue, 23 Sep 2025 09:00:00 -0000

In this episode of 'At Any Rate,' host Evan Raidt is joined by financial expert Dave Ahern to discuss the hype and overconfidence prevalent in the stock market.

They explore how excitement around phenomena like AI can drive investors' decisions, often leading to premature and misguided investments.

They stress the importance of financial literacy, cautious investments, and understanding the long-term cycles of the market.

Dave also shares strategies for maintaining motivation and making smart investment choices despite market volatility.

Listeners are encouraged to approach investing with caution, avoid succumbing to hype, and find a balance in their financial strategies. 00:00 Introduction and Welcome 00:27 Discussing Market Hype and Overconfidence 01:10 AI Hype and Media Influence 03:55 Market Cycles and Investor Behavior 05:38 Personal Experiences with Market Hype 07:41 The Impact of Information and Technology on Market Hype 14:28 Strategies to Avoid Falling for Market Hype 22:07 Staying Motivated and Balanced in Investing 31:07 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LIQUID-IV DOT COM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and get 20% off your first order with code INVESTING at checkout.

Leesa has a lineup of beautifully crafted mattresses tailored to how you sleep – without the luxury price tag. Go to ⁠⁠⁠⁠⁠⁠⁠⁠Leesa.com⁠⁠⁠⁠⁠⁠⁠⁠, promo code INVESTING for 25% off mattresses PLUS an extra $50 off.

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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The TikTok Effect: 4 Social Media Stocks to Watch Right Now

Mon, 22 Sep 2025 00:00:00 -0000

In this episode, Dave and Andrew delve into the recent news surrounding TikTok's influence on social media stocks. They discuss the potential impact of TikTok's proposed US-China split and analyze how it might affect other major social media companies like Meta, Snapchat, Pinterest, and Reddit. The conversation touches on key performance indicators such as daily active users (DAU) and average revenue per user (ARPU).

Additionally, the hosts explore the broader implications for the market, considering how shifts in regulatory environments and technological advancements in AI and hardware could shape the future of these companies.

00:00 Welcome to Investing for Beginners

00:11 Breaking News: TikTok's Impact on Social Media

01:07 TikTok's US-China Deal Explained

05:23 Implications for Tech Giants and the Market

09:12 Regulatory Risks in International Investments

09:54 Practical Advice for Beginner Investors

14:26 Analyzing Social Media Stocks

27:49 The Future of Super Apps

46:21 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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The Stocks Behind Everyday Life

Thu, 18 Sep 2025 00:00:00 -0000

In this episode, Andrew and Dave discuss stocks that listeners encounter in their everyday lives. Starting from morning routines involving Keurig coffee and Crest toothpaste, they delve into companies like Dr. Pepper, Keurig Dr Pepper, and Procter & Gamble.

The journey continues with an exploration of Johnson & Johnson, various car manufacturers like Ferrari and Tesla, and fast-food giants such as McDonald's and Domino's Pizza.

They also analyze entertainment stocks like Spotify and Apple, and grocery stores like Kroger and Sprouts. Through this engaging exercise, they highlight the financial metrics and growth potential of each company, providing insights into what makes these familiar names solid or risky investments.

00:00 Introduction to Investing for Beginners

00:40 Morning Routine Investments: Keurig and Dr. Pepper

05:07 Procter & Gamble: The Household Giant

09:29 Johnson & Johnson: A Healthcare Staple

12:32 Automotive Investments: From Ferrari to Tesla

17:15 McDonald's: A Breakfast Investment

17:48 Franchise Model Insights

17:55 Domino's Pizza Revenue

18:24 Stock Growth Rates

19:44 Spotify Financial Overview

22:29 Apple's Revenue and Profit

27:14 Lunch Options: Chipotle vs. Kava

30:19 Grocery Store Comparisons

34:29 Conclusion and Next Steps

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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AAR15 - Avoiding Financial Biases with John De Goey

Tue, 16 Sep 2025 09:00:00 -0000

In this episode of 'At Any Rate,' host Evan Raidt is joined by John De Goey, author of 'Bull Shift,' host of 'Make Better Wealth Decisions Podcast,' and a respected portfolio manager.

John shares his extensive journey to becoming a consumer advocate and financial advisor, highlighting his personal financial awakening.

John discusses various biases, emphasizing overconfidence and recency bias, and how they impact our financial decisions.

The conversation delves into the concepts of optimism bias and longevity risk and the importance of diversification.

John offers valuable advice on preparing for economic downturns and the role of financial advisors in providing focus and discipline. He also recommends several insightful books on behavioral finance and shares his views on achieving financial freedom.

The episode wraps up with John providing information on where to find more of his work, including his podcast and latest book. 00:00 Introduction and Guest Welcome 00:33 John Dego's Journey to Financial Advocacy 02:40 Personal Financial Awakening 05:27 Understanding Financial Biases 08:13 Stagflation and Economic Concerns 13:47 Financial Goals and Industry Changes 28:10 The Role of Financial Advisors 31:59 Longevity Risk and Financial Freedom 35:28 Recommended Reading for Financial Literacy 39:32 Conclusion and Where to Find More

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Please make sure you subscribe to John's channels and website. You can find him on his website ⁠johndegoey.ca, his podcast ⁠Make Better Wealth Decisions Podcast⁠, and buy his book Bull Shift, where all books are sold.

Today’s show is sponsored by:

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What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Microcap Mastery: Exploring Tiny Titans with Pieter from Compounding Quality

Mon, 15 Sep 2025 00:00:00 -0000

In this episode of the Investing for Beginners podcast, hosts Dave and Andrew welcome Pieter from Compounding Quality to discuss his new venture, Tiny Titans. Pieter details his strategy for investing in microcap stocks, explaining the significant upside potential of these small companies.

The conversation covers the importance of identifying high-quality, small-cap stocks with strong growth potential, as well as the diligent research and hands-on approach required to find these opportunities. Peter also shares his methodology for evaluating CEOs and the unique challenges and rewards of investing in microcaps.

00:00 Introduction and Guest Welcome

00:38 Why Microcaps?

01:31 The Potential of Tiny Titans

03:43 Challenges and Strategies in Microcap Investing

05:43 Researching and Identifying Microcap Opportunities

08:24 Building a High-Quality Microcap Portfolio

10:44 The Importance of Due Diligence

19:01 Engaging with Company Management

23:09 Concerns About Kelly Partners Group

24:00 Challenges of Accessing Company Executives

24:36 Due Diligence on Chapters Group

26:16 Insights from Capital Markets Day

30:22 Importance of CEO Analysis in Small Caps

32:50 Key Questions for Management

36:22 Investor Fit for Tiny Titans

37:33 Valuation and Market Trends

41:06 Tiny Titans Launch Details

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Learn more from Pieter:

Tiny Titans (Goes live September 16th)

Compounding Quality

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Mastering Earnings Calls and Reports: Essential Tips for Beginners

Thu, 11 Sep 2025 00:00:00 -0000

In this episode of the 'Investing for Beginners' podcast, Andrew and Dave dive deep into the world of earnings calls and reports. They cover the basics of what an earnings call is, the importance of the SEC's 10-K and 10-Q filings, and how to analyze these reports whether a company is new to you or familiar. The hosts discuss their personal strategies for consuming earnings call information, tools they use like the Quarter app and Google Keep, and address how to handle bad news in earnings reports.

00:00 Introduction to Earnings Calls and Reports

00:38 Understanding SEC Filings: 10-K and 10-Q

02:08 The Optional Nature of Earnings Calls

03:17 Scheduling and Timing of Earnings Reports

07:30 Analyzing New Companies: Earnings Calls vs. Reports

09:29 Listening Strategies for Earnings Calls

11:29 Evaluating Management's Tone and Behavior

18:17 Handling Bad News in Earnings Reports

22:25 Tools and Resources for Earnings Calls

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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AAR14 - Stock Downturns w/ Passive Investing - How You Are Affected

Tue, 09 Sep 2025 09:00:00 -0000

In this podcast episode, Evan Raidt and Andrew Sather discuss how to handle downturns in the stock market.

They explore the natural cycles of the market, explaining the concept of downturns and market corrections.

Andrew shares his personal experiences with financial instability and offers advice on maintaining an investment strategy during turbulent times.

They emphasize the importance of staying invested, utilizing dollar-cost averaging, and having a diversified portfolio.

Furthermore, they provide tips on automating investments and managing emotions during market downturns.

The episode concludes with practical advice on preparation and maintaining a long-term perspective in investing.

00:00 Welcome and Introduction

00:29 Understanding Market Downturns

01:05 The S&P 500 and Market Corrections

02:16 Mindset Shifts During Downturns

03:34 Personal Experiences with Downturns

05:05 Psychology of Money and Risk Tolerance

05:34 Overcoming Fear and Staying Invested

08:38 Impact of Financial News and Media

22:05 Advice for Passive Investors

25:59 Setting Up Before a Crisis

26:23 The Complexity of Index Trading

27:14 The Reality of Market Predictions

28:05 Understanding Realized Gains and Losses

29:00 Interconnectedness of Markets

30:52 Impact of Market Downturns on Retirement

31:56 Historical Market Downturns

34:08 Strategies for Weathering Downturns

36:30 The Importance of Dollar Cost Averaging

41:32 Final Tips and Automation

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Please make sure you subscribe to Brian's channels. You can find him on his website ⁠disciplinedtradersacademy.com⁠, his podcast ⁠Learn to Swing Trade the Stock Market⁠, and his ⁠YouTube⁠ channel.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

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The Rookie’s Guide to Crypto: Why Blockchain Matters with Kyle Reidhead

Mon, 08 Sep 2025 00:00:00 -0000

In this episode, Dave and Andrew welcome Kyle from Milk Road to discuss various aspects of cryptocurrency, blockchain technology, and stablecoins. Kyle explains the basics of how blockchains work and the value they bring to the digital financial system. He highlights the global applications of cryptocurrencies, especially in regions with unstable financial systems or high transaction fees.

The conversation also dives into the role of stablecoins like USDC, their backing by traditional assets, and how they integrate with modern payment systems through companies like Stripe. Kyle offers insights into how individuals and businesses can benefit from adopting these technologies for more efficient and cost-effective financial transactions.

The episode wraps up with practical advice for both crypto newcomers and seasoned investors on navigating this rapidly evolving space.

00:00 Introduction to the Podcast

00:37 Understanding Blockchain and Crypto

04:34 Global Financial Systems and Crypto's Impact

11:26 Stablecoins and Their Mechanisms

20:22 Identifying Legitimate Crypto Investments

22:50 Investing in Crypto: Lessons from the 90s Internet Boom

23:11 The Importance of Using Crypto Firsthand

24:16 Bitcoin vs. Ethereum: Key Differences

29:38 Stablecoins and Their Impact on Payments

32:14 The Future of Payments with Blockchain

39:02 Who Should Explore Crypto?

41:59 About Milk Road and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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More from Kyle:

Website: https://milkroad.com/

Twitter: https://x.com/KyleReidhead

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Where Investors Fail Most Often

Thu, 04 Sep 2025 00:00:00 -0000

In this episode, Andrew and Dave delve into the world of behavioral finance by analyzing Charlie Munger's famous speech, 'The Psychology of Human Misjudgment.' The hosts discuss various cognitive biases that influence investment decisions, including confirmation bias, authority bias, social proof, and the power of incentives.

They also explore Munger's concept of the Lollapalooza effect and the importance of building a 'latticework of mental models' for more effective decision-making. The episode provides actionable tips for listeners on how to recognize and counteract these biases to become better investors.

00:00 Introduction to Behavioral Finance

00:24 The Psychology of Human Misjudgment

03:42 Understanding Confirmation Bias

10:24 Authority Bias in Investing

16:59 Social Proof and Its Dangers

22:17 The Power of Incentives

22:38 The Power of Incentives in the Stock Market

23:28 Analyzing CEO and Analyst Behavior

25:35 The Importance of Asking 'Why?'

26:55 CEO Insights from Podcasts

30:03 The Lollapalooza Effect Explained

35:52 Avoiding Self-Serving Bias

40:45 The Importance of Mental Models

43:27 Conclusion and Final Thoughts Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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AAR13 - Discipline: The Investing Key with Brian Montes

Tue, 02 Sep 2025 09:00:00 -0000

In this episode, host Evan Raidt welcomes special guest Brian Montez, a swing trade educator and host of the 'Learn to Swing Trade the Stock Market' podcast.

Brian shares his financial awakening story, emphasizing the importance of discipline, structure, and practical tools in trading.

They discuss the fundamentals of swing trading, differentiating it from other forms of trading, and the significance of having a solid, repeatable system.

Brian provides insights into the emotional aspects of trading, risk management strategies, and the importance of not risking essential living expenses.

The conversation also touches on the impact of AI, the benefits of learning about financial markets, and encouraging young people to engage with trading.

Tune in to gain valuable knowledge on how swing trading can potentially provide additional income and financial security.

00:00 Introduction and Special Guest Announcement

00:52 Brian Montez's Financial Awakening

01:33 The Importance of Financial Education

03:21 Swing Trading Basics

05:46 Swing Trading for Full-Time Workers

09:07 The Role of Emotions in Trading

17:24 Misconceptions About Swing Trading

21:12 Realistic Timeframes for Swing Trading Success

21:58 The Importance of Market Experience

22:59 Emotional Management in Trading

23:57 Building and Sticking to Your System

26:21 Risk Management and Capital Preservation

28:48 Financial Planning and Swing Trading

40:13 The Role of AI in Trading

41:42 Where to Find More Resources

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Please make sure you subscribe to Brian's channels. You can find him on his website disciplinedtradersacademy.com, his podcast Learn to Swing Trade the Stock Market, and his YouTube channel.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠⁠⁠⁠⁠⁠⁠LIQUID-IV DOT COM⁠⁠⁠⁠⁠⁠⁠⁠ and get 20% off your first order with code INVESTING at checkout.

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Essential Metrics for Analyzing Stocks: A Beginner's Guide

Mon, 01 Sep 2025 00:00:00 -0000

In this episode of the Investing for Beginners podcast, hosts Andrew and Dave delve into the essential metrics used for analyzing companies, including the cash flow statement, income margins, current ratio, debt to equity, and return on equity.

Whether you're assessing tech giants like Nvidia or traditional companies like Walmart, these metrics will provide a solid foundation for beginner investors. The episode breaks down each metric into digestible pieces, explaining their significance and how to apply them in real-world scenarios.

00:00 Introduction to Investing for Beginners

00:37 Overview of Key Financial Metrics

01:10 Understanding the Cash Flow Statement

07:23 Analyzing the Income Statement

13:11 Evaluating the Balance Sheet

17:18 Debt to Equity Ratio Explained

24:14 Return on Equity and Its Importance

27:53 Advice for New Investors

29:34 Conclusion and Resources

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

For free access to the infographics mentioned in the show, go to einvestingforbeginners.com/visuals.

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32 Years of Winning Grandly in the Stock Market with David Gardner

Thu, 28 Aug 2025 00:00:00 -0000

In this episode, Andrew interviews David Gardner, co-founder and chief rule breaker at The Motley Fool. David shares the origin story of The Motley Fool, including its humble beginnings as a print newsletter and the inspiration behind its name from Shakespeare's 'As You Like It'.

He discusses the philosophy of rule breaker investing, emphasizing long-term holding of stocks, finding top dogs and first movers in emerging industries, and maintaining an optimistic perspective.

The conversation extends to insights from David's new book, 'Rule Breaker Investing,' which encapsulates 30 years of investment wisdom. They discuss notable stock picks like Amazon, Netflix, and Nvidia, and delve into the importance of good financial habits and a long-term investment mindset.

00:00 Introduction and Special Guest Announcement

00:21 David Gardner's Backstory and The Motley Fool's Origins

04:32 The Role of Games and Early Investment Lessons

07:00 Writing and Philosophy Behind 'Rule Breaker Investing'

09:29 Amazon: The Quintessential Rule Breaker

11:25 Navigating Market Doubts and Long-Term Investing

20:42 The Philosophy of Rule Breaker Investing

23:52 Introduction to Rule Breakers

24:06 The Six Traits of Rule Breaker Stocks

24:42 Examples of Rule Breaker Companies

26:17 Deep Dive into Axon Enterprise

37:09 The Importance of Holding Positions

39:46 The Power of Optimism in Investing

43:03 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠

Pre-order Rule Breaker Investing here: ⁠https://www.amazon.com/Rule-Breaker-Investing-Stocks-Lasting/dp/1804091219⁠

Check out David's podcast: ⁠https://open.spotify.com/show/6HLY85cnS6u1Ux7AkzpZG3

⁠⁠⁠

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

⁠⁠⁠

What else do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com

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AAR12 - Diversifying Outside of Stocks

Tue, 26 Aug 2025 09:00:00 -0000

In this episode, host Evan Raidt and guest Andrew Sather, Resident Investing Mastermind, discuss the importance of sustainable financial changes through smart investing.

They explore the impact of early financial education, specifically referencing 'Rich Dad Poor Dad' by Robert Kiyosaki, and delve into the necessity of investing for building wealth and achieving financial independence.

The conversation covers the advantages of stocks, including ease of access and powerful returns, but also highlights the risks involved and the importance of understanding the market.

They further explore the concept of diversification, discussing various asset classes such as real estate, bonds, high-yield savings accounts, and niche investments like gold and collectibles.

Evan and Andrew share their personal experiences and strategies for diversifying outside the stock market to achieve a more balanced and stable portfolio.

The episode emphasizes the significance of understanding where your money is going and recommends practical steps for beginners looking to diversify their investments.

00:00 Introduction and Guest Introduction

00:31 The Importance of Investing

01:08 Mindset Shifts from 'Rich Dad Poor Dad'

03:23 Ease of Access to the Stock Market

05:41 Risks and Downsides of Investing

1:00 Diversifying Outside the Stock Market

16:36 Personal Diversification Strategies

24:05 Balancing Diversification and Investment

30:29 Niche Investments and Final Thoughts

35:19 Conclusion and Viewer Engagement

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

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What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Position Sizing for Beginners; Selling -50% Losers

Mon, 25 Aug 2025 00:00:00 -0000

In this episode, Andrew and Dave delve into listener questions focusing on position sizing and portfolio management. They discuss the merits of tracking total cash versus total percentage and elaborate on the use of spreadsheets and tools like Fiscal AI. The hosts dissect the idea of averaging up on stocks, providing insights on when it might be appropriate based on a company's lifecycle and growth potential.

The conversation also ventures into analyzing substantial losses in a portfolio, examining specific stocks like Wynn, Alibaba, Baidu, and Airbnb. Andrew and Dave offer advice on how to evaluate whether a stock's decline is due to short-term issues or more systemic problems, and they underscore the importance of understanding the fundamentals and business lifecycle before making buy or sell decisions.

00:00 Welcome to Investing for Beginners

00:20 Listener Question: Position Sizing

01:33 Understanding Portfolio Percentages

07:42 The Importance of Averaging Up

12:50 Listener Question: Handling Stock Drops

20:09 Exploring Energy Stocks and Cyclical Markets

22:29 Challenges of Investing in the Energy Sector

24:41 Impact of Travel Trends on Casino Stocks

27:04 Analyzing the Future of Casino and Gaming Stocks

30:58 Risks and Rewards of Investing in Chinese Companies

33:58 Lessons from Airbnb's Stock Performance

38:49 When to Sell: Evaluating Fundamental Changes

40:41 Conclusion and Listener Engagement

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Leesa has a lineup of beautifully crafted mattresses tailored to how you sleep – without the luxury price tag. Go to ⁠⁠⁠Leesa.com⁠⁠⁠, promo code INVESTING for 25% off mattresses PLUS an extra $50 off.

What else do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠

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Remitly vs Wise: The Remittance Battle

Thu, 21 Aug 2025 00:00:00 -0000

In this episode of the Investing for Beginners podcast, Brett Schafer joins the discussion once again to compare Remitly and Wise, two leading companies in the remittance industry. The conversation covers their business models, market strategies, strengths, weaknesses, and competitive positioning. Listeners will learn about the growth trajectories of both companies, the role of technology in their services, and potential future developments, including the impact of stablecoins. Brett also offers insights into the valuations and business potentials of both companies.

00:00 Introduction and Overview

00:38 Remitly vs Wise: Business Models and Market Share

01:22 How Remitly and Wise Operate

04:16 Market Competition and Growth

18:11 Cost Structures and Take Rates

24:22 Potential Risks and Challenges

25:52 Remitly's Challenges and Comparisons with Wise

29:25 Impact of Stable Coins on Remitly and Wise

29:38 Understanding Stable Coins and Their Role in Payments

31:03 On-Ramp and Off-Ramp Challenges with Stable Coins

42:18 Valuation and Investment Insights for Remitly and Wise

46:42 Product Development and Future Prospects for Remitly and Wise

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

AAR11 - Monthly Financial Check-Ins

Tue, 19 Aug 2025 09:00:00 -0000

In this episode, Evan Raidt introduces Dave Ahern, a former bank manager turned investing mastermind, to discuss the importance and benefits of monthly financial check-ins.

They delve into the reality that many people lack regular financial check-ins and how this negatively impacts their financial stability.

The episode outlines what a financial check-in involves—budgeting, tracking investments, and planning for future expenditures—and emphasizes the importance of communication for financial health, especially among couples.

Evan and Dave also share their personal check-in routines, offering practical advice for making these reviews efficient and less intimidating.

The episode concludes with a motivational reminder that financial freedom is built incrementally through wise, informed decisions. 00:00 Introduction and New Microphone 00:21 Importance of Financial Check-Ins 02:23 Defining Financial Check-Ins 05:01 Consequences of Not Having Financial Check-Ins 10:55 Personal Financial Check-In Practices 22:16 Common Barriers to Financial Check-Ins 30:29 Conclusion and Viewer Engagement

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Leesa has a lineup of beautifully crafted mattresses tailored to how you sleep – without the luxury price tag. Go to ⁠⁠⁠⁠Leesa.com⁠⁠⁠⁠, promo code INVESTING for 25% off mattresses PLUS an extra $50 off.

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Investing Insights with Carl Richards: Simplifying Your Approach to Financial Success

Mon, 18 Aug 2025 00:00:00 -0000

In this episode of Investing for Beginners, hosts Dave and Andrew welcome Carl Richards, a certified financial planner and author, to discuss his upcoming book and share insights into financial investing. Carl offers a fresh perspective on the importance of focusing on long-term goals rather than the daily fluctuations of the stock market. He emphasizes the distinction between investing and speculating, the value of simplicity in investment strategies, and practical tips for managing personal finances, including budgeting and understanding risk. Carl also addresses the psychological aspects of investing, such as the influence of financial media and the importance of cultivating a healthy comparison set.

00:00 Introduction and Guest Welcome

00:30 The Hype Around Market News

02:53 Long-Term Investment Strategies

07:41 Understanding Risk in Investing

15:41 The Importance of Budgeting

24:32 Comparison and Financial Behavior

30:31 Conclusion and Book Promotion

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Pre-order Carl's book here: Your Money: Using Money, Energy, Time, and Attention to Build Your Best Life

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

What do Dave and Andrew recommend?

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com

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Financials Demystified: Earnings and EPS (w/ Real-Life Examples)

Thu, 14 Aug 2025 04:00:00 -0000

Welcome to the Investing for Beginners podcast, where we delve into the essential concepts of earnings, earnings per share (EPS), and how they influence stock performance. Join us as we explore the anatomy of an income statement, breaking down terms like gross margin, operating income, and net income.

We also discuss the impact of tax rates, dilution, stock buybacks, impairments, and more using real-world examples such as Google, Meta, and Crocs. Learn how to analyze these metrics effectively with the help of Fiscal.ai and make informed investment decisions.

00:00 Introduction to Earnings and Earnings Per Share

00:24 Understanding Earnings Reports

02:12 Income Statement Breakdown

04:47 Analyzing Earnings Per Share

11:26 Impact of Taxes on Earnings

12:34 Earnings Per Share Calculation

19:11 Share Buybacks and Dilution

25:19 Impairments and Non-Operating Impacts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

What do Dave and Andrew recommend?

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com

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AAR10 - Financial Goals for Beginners

Tue, 12 Aug 2025 09:00:00 -0000

In this episode of 'At Any Rate,' Evan Raidt hosts Andrew Sather, who shares his journey from financial beginner to expert.

They discuss the importance of starting your financial journey, the power of compounding returns, and overcoming the fears and challenges beginners face.

The conversation covers setting attainable goals, understanding your financial 'why,' and practical steps to build momentum.

They also address the pressure of comparing oneself to others and how focusing on personal financial health can lead to a more fulfilling life.

Evan and Andrew emphasize the significance of starting small and using a budgeting tool to kickstart financial independence.

Tune in for actionable advice and motivation to take control of your financial future. 00:00 Introduction and Welcome 00:18 Understanding the Beginner's Mindset 02:15 Overcoming Financial Fears 05:45 The Power of Compounding 08:57 Setting Realistic Financial Goals 09:54 Avoiding Toxic Comparisons 18:14 Building a Solid Financial Foundation 29:29 The Importance of Having a 'Why' 36:15 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠⁠⁠⁠LIQUID-IV DOT COM⁠⁠⁠⁠⁠ and get 20% off your first order with code INVESTING at checkout.

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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The Tough Question of Good Portfolio Construction and Management

Mon, 11 Aug 2025 00:00:00 -0000

In this episode, Dave and Andrew answer a listener's detailed questions on portfolio construction and management. They discuss portfolio structuring, allocation sizes, the number of companies to hold, diversification, and rebalancing.

They emphasize the importance of having guidelines for full, starter, and prospect positions, balancing between conviction-based and equal weighting, knowing the point at which your portfolio feels 'enough,' and the challenges of trimming versus letting profits run.

They conclude by addressing the necessity of rebalancing with individual stocks, suggesting that cutting profits to diversify could hinder long-term growth.

00:00 Welcome and Listener Question Introduction

00:46 Understanding Portfolio Construction

01:36 Allocation Strategies and Position Sizing

03:35 Diversification vs. Concentration

07:08 Managing and Adding to Your Portfolio

21:54 When to Trim vs. Let Profits Run

26:45 Rebalancing: Is It Necessary?

29:51 Conclusion and Listener Engagement

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

What do Dave and Andrew recommend?

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠

⁠⁠⁠

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Investing Insights: Microsoft & Watsco Earnings Analysis with Fiscal AI

Thu, 07 Aug 2025 00:00:00 -0000

Join Andrew and Dave on the Investing for Beginners podcast as they dive into the latest earnings reports of Microsoft and Watsco using Fiscal AI. They discuss key performance metrics, industry trends, and potential concerns, providing a comprehensive overview to help investors stay informed and make better decisions. Don't miss this episode for a quick catch-up on these major companies and see how Fiscal AI can streamline your investment analysis.

00:00 Welcome and Introduction

00:43 Analyzing Microsoft's Performance

02:47 Microsoft's Financial Metrics and AI Impact

04:26 Concerns and Future Outlook for Microsoft

09:40 Comparing Cloud Giants: Microsoft, Google, and AWS

20:01 Evaluating Watsco's Recent Performance

22:15 Watsco's Financial Health and Market Position

33:10 Final Thoughts and Wrap-Up

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Leesa has a lineup of beautifully crafted mattresses tailored to how you sleep – without the luxury price tag. Go to ⁠Leesa.com⁠, promo code INVESTING for 25% off mattresses PLUS an extra $50 off.

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com

⁠

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AAR09 - Financial Literacy in Childhood

Tue, 05 Aug 2025 09:00:00 -0000

In this episode of 'At Any Rate,' host Evan Raidt is joined by guest Dave Ahern to discuss the importance of early financial education and its long-term effects.

They share personal experiences about their own financial upbringings, the challenges faced due to a lack of financial literacy, and how different parenting styles can shape a child's financial future.

Topics covered include budgeting basics, the significance of retirement accounts, the FIRE movement, the value of custodial accounts, and strategies for teaching children about money.

They also offer practical tips for parents on instilling sound financial habits in their children, including incentivizing chores and involving kids in financial decision-making.

The episode emphasizes the profound impact of financial education in childhood on lifelong financial well-being.

00:00 Introduction and Welcome
00:21 Guest Introduction: Dave Ahern
00:48 Early Financial Education Experiences
01:09 Challenges and Resources in Financial Learning
02:47 The Importance of Financial Education for Children
03:17 Personal Financial Education Stories
04:18 Opening First Bank Accounts
05:52 Financial Stigmas and Misconceptions
07:13 Parental Influence on Financial Behavior
11:37 Budgeting and Financial Tools
13:20 Retirement Accounts and Long-Term Planning
14:09 Handling Raises and Bonuses
18:15 The FIRE Movement Explained
30:28 Custodial Accounts for Kids
35:42 Conclusion and Call to Action

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠⁠⁠LIQUID-IV DOT COM⁠⁠⁠⁠ and get 20% off your first order with code INVESTING at checkout.

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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The Hidden Power of Capital Allocation (And Why Order Matters)

Mon, 04 Aug 2025 00:00:00 -0000

In this episode of the Investing for Beginners Podcast, Dave and Brian Feroldi from Long-Term Mindset dive deep into the importance of capital allocation and why the order of operations matters. Brian explains the foundational aspects of capital allocation, including reinvestment in the core business, paying down debt, and other strategies for maximizing returns. The discussion covers real-world examples such as Teladoc's acquisition of Livongo and the capital allocation practices of companies like AutoZone, Coca-Cola, and Apple. Learn why understanding capital allocation is crucial for investors, especially those investing in individual businesses, and how to analyze management's decisions for better investment outcomes.

00:21 Understanding Capital Allocation

00:57 Importance of Capital Allocation

04:01 Five Core Options for Capital Allocation

06:34 Case Study: Teladoc and Livongo

07:38 The Order of Capital Allocation

14:33 Framework for Capital Allocation

26:50 Analyzing Capital Allocation Decisions

32:01 Red Flags in Capital Allocation

35:37 Examples of Great Capital Allocation

37:01 Conclusion and Resources

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

What Quotes from Warren Buffett Reveal About How He Thinks As an Investor

Thu, 31 Jul 2025 00:00:00 -0000

In this episode of the podcast, Dave and Andrew delve into some of Warren Buffett's most insightful quotes. Using a collection prepared by John Rotonti, the discussion touches on Buffet's investment principles, such as identifying businesses with long-term competitive advantage, the ideal holding period for securities, valuation methods, and the importance of stable industries.

The hosts also analyze the challenges of predicting a company's growth and share personal experiences in applying Buffett’s strategies to their own investment decisions. Key ideas include the emphasis on buying at rational prices, Buffett’s preference for businesses with predictable earnings, and the benefits of patience and restraint in investing.

00:00 Introduction to the Podcast

00:39 Buffett's Investment Philosophy

02:26 The Challenge of Predictable Earnings

06:19 Buffett's Ideal Holding Period

12:00 Valuation Insights from Buffett

19:05 Competitive Advantage and Stability

28:25 The Importance of Patience in Investing

35:30 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

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Stop needlessly overpaying for car insurance. Drivers who save with Jerry save over $1,300 a year on average. Download the Jerry app at ⁠⁠⁠⁠Jerry dot AI slash Beginners⁠⁠⁠⁠

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠⁠⁠LIQUID-IV DOT COM⁠⁠⁠⁠ and get 20% off your first order with code INVESTING at checkout.

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What do Dave and Andrew recommend?

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AAR08 - How Anyone Can Grow Their Wealth

Tue, 29 Jul 2025 09:00:00 -0000

In this episode of 'At Any Rate,' host Evan Raidt, along with guest Andrew Sather, discuss how to make sustainable financial changes with minimal effort.

They explore the importance of investing early, the power of compound interest, and how anyone, regardless of income, can start building wealth.

The episode covers practical tips, such as setting up a budget, maximizing 401(k) employer matches, utilizing high-yield savings accounts, and automating investments.

Listener questions on investment strategies for market highs are also answered, emphasizing the importance of consistent investing over market timing. 00:00 Introduction and Podcast Overview 00:34 The Goal of the Podcast Series 01:01 Understanding Investing and Its Accessibility 01:50 The Power of Compound Interest 03:52 Changing Perceptions of Investing 10:21 The Evolution of Investing Tools 22:30 Practical Steps to Start Investing 27:16 Listener Questions and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Stop needlessly overpaying for car insurance. Drivers who save with Jerry save over $1,300 a year on average. Download the Jerry app at ⁠⁠⁠Jerry dot AI slash Beginners⁠⁠⁠

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠⁠LIQUID-IV DOT COM⁠⁠⁠ and get 20% off your first order with code INVESTING at checkout.

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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A Deep Dive into Nintendo's Business Model and Future

Mon, 28 Jul 2025 00:00:00 -0000

Welcome to the Investing for Beginners podcast! In this episode, join us as we interview Brett, a knowledgeable Nintendo shareholder, about the iconic Japanese gaming company. Learn about Nintendo's business model, its evolutionary changes, and how it has achieved significant growth, especially with the upcoming launch of the Switch 2. We delve into the company's integrated hardware and software approach, its growth in software sales, and its venture into movies and theme parks. Additionally, we analyze key performance indicators and management strategies that solidify Nintendo's position in the gaming industry.

00:00 Introduction to the Podcast and Nintendo Focus

00:40 Nintendo's Business Model and Historical Context

04:22 Financial Performance and Market Position

10:33 Nintendo's Business Model Evolution

15:43 Nintendo's Hardware and Software Strategy

20:39 Nintendo's Expansion Beyond Gaming

24:30 Subscription Services and Revenue Streams

28:40 De-Risking and Future Prospects

29:43 Nintendo's Culture of Excellence

31:34 Competitors and Market Position

35:45 Management and Leadership

40:40 Financials and Valuation

46:46 Nintendo's Ecosystem and Future

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Learn more from Brett:

Chit Chat Stocks Podcast

Chit Chat Stocks Substack

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Stop needlessly overpaying for car insurance. Drivers who save with Jerry save over $1,300 a year on average. Download the Jerry app at ⁠⁠Jerry dot AI slash Beginners⁠⁠

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠LIQUID-IV DOT COM⁠⁠ and get 20% off your first order with code INVESTING at checkout.

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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The Wealth Ladder: Proven Financial Strategies with Nick Maggiulli

Thu, 24 Jul 2025 00:00:00 -0000

In this episode of the Investing for Beginners podcast, our special guest, Nick Maggiulli, COO of Ritholtz Wealth Management, dives deep into financial strategies for accumulating wealth. Nick discusses the importance of understanding historical economic trends, continual investment in diverse income-producing assets, and adjusting risk based on one's financial liabilities.

He introduces his frameworks from his books, 'Just Keep Buying' and 'The Wealth Ladder,' emphasizing personalized financial strategies depending on your current wealth level. Nick also provides insights into leveraging side hustles and various forms of income to boost financial growth.

00:00 Introduction and Guest Welcome

00:27 Navigating Economic Uncertainty

01:28 Investment Philosophy: Just Keep Buying

02:02 Diversification and Asset Allocation

03:48 Adjusting Investment Strategies Based on Life Stages

06:12 The Case Against Individual Stock Picking

10:44 The Wealth Ladder: Levels and Strategies

12:39 Generational Wealth and Financial Advice

16:12 Mindset and Strategies for Different Wealth Levels

20:08 The Path to Level Five Wealth

21:02 Challenges of Level Four Wealth

23:48 Level Three: Middle Class Realities

27:41 Level Two: Education and Income Growth

32:22 Strategies for Increasing Income

36:46 Encouragement for Side Hustlers

37:54 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Stop needlessly overpaying for car insurance. Drivers who save with Jerry save over $1,300 a year on average. Download the Jerry app at ⁠⁠Jerry dot AI slash Beginners⁠⁠

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠LIQUID-IV DOT COM⁠⁠ and get 20% off your first order with code INVESTING at checkout.

AAR07 - Building a Successful, Sustainable Side Gig with Tyler Nash

Tue, 22 Jul 2025 09:00:00 -0000

In this episode, Evan Raidt discusses making sustainable financial changes with guest Tyler Nash, a teacher from Liberty, Missouri, who shares his journey of financial awakening at 37 and his insightful experiences with side hustles.

They delve into the importance of starting small, investing time and effort into projects that ignite one's passion, and the significant impact of having control over one's finances.

Tyler highlights his various side hustles, including starting his own driver's education business, and reflects on the importance of finding a purpose and creating value for others.

Evan and Tyler emphasize that beginning with modest investments and scaling up gradually can lead to financial freedom, ultimately providing more control over one's time and enriching life experiences. 00:00 Introduction and Welcome 00:20 Meet Tyler Nash 01:04 Tyler's Financial Awakening 03:39 Parental Influence on Finances 05:59 Teaching Financial Responsibility 14:46 Discussing Side Gigs 27:25 The Joy of Sharing Your Passion 29:34 The Importance of a Side Gig 29:48 Financial Control and Investment 32:56 Starting Small and Growing 37:44 Sustainable and Healthy Side Gigs 49:34 Finding Your Why 51:06 Steps to Start a Side Hustle 56:37 Closing Thoughts and Encouragement

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Stop needlessly overpaying for car insurance. Drivers who save with Jerry save over $1,300 a year on average. Download the Jerry app at ⁠⁠Jerry dot AI slash Beginners⁠⁠

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠LIQUID-IV DOT COM⁠⁠ and get 20% off your first order with code INVESTING at checkout. What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Back to the Basics: Core Principles

Mon, 21 Jul 2025 00:00:00 -0000

In this episode, Dave and Andrew return to fundamental investing principles, emphasizing the importance of refreshing oneself on the basics.

They delve into key strategies for navigating the stock market, including 'buy low, sell high,' the challenges of market timing, the power of compound interest, risk vs. return, and the benefits of dollar-cost averaging.

By highlighting real-life examples and practical tips, the hosts stress the value of long-term investing and the psychological hurdles one must overcome.

00:00 Introduction to Investing for Beginners

00:32 The Challenge of 'Buy Low, Sell High'

02:22 The Myth of Timing the Market

08:53 The Power of Compound Interest

16:20 Understanding Risk vs. Return

21:28 The Strategy of Dollar Cost Averaging

28:38 The Importance of Long-Term Investing

31:34 Conclusion and Core Principles Recap

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Stop needlessly overpaying for car insurance. Drivers who save with Jerry save over $1,300 a year on average. Download the Jerry app at ⁠Jerry dot AI slash Beginners⁠

Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠LIQUID-IV DOT COM⁠ and get 20% off your first order with code INVESTING at checkout. What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Understanding Moats, Intangibles, and Brands

Thu, 17 Jul 2025 00:00:00 -0000

In this episode of the 'Investing for Beginners Podcast,' Dave and Brett Schafer from Chitchat Stocks discuss the significance of moats, intangibles, and brands in stock investing. Brett outlines why beginning investors often gravitate towards well-known brands such as Coca-Cola and Disney and the potential pitfalls of this approach. They delve into examples like Apple's storied brand and Disney's challenges with the streaming industry. Further, the discussion covers how companies like Nike and Louis Vuitton leverage their branding, and explores the role of intangibles like patents and licensing agreements in creating durable competitive advantages.

00:00 Introduction to Investing for Beginners

00:35 Understanding Brands and Their Importance

03:07 The Risks of Investing in Popular Brands

03:33 Historical Examples of Brand Performance

06:03 Evaluating Management and Industry Shifts

10:28 Case Study: Nike's Brand Evolution

18:08 Luxury Brands and Their Unique Value

20:39 The Fragility of Brand Moats

23:21 Assessing McDonald's Economic Strength

24:08 The Challenge of Quantifying Brand Value

27:08 Costco: A Case Study in Brand and Competitive Advantage

28:06 The Evolution of Coca-Cola's Brand

29:30 Intangibles and Licensing Agreements

31:23 Pharmaceutical Patents and Investment Risks

34:17 Nintendo's Multi-Generational Brand

40:02 Comparing Brand Strength in Tech Companies

41:59 Advice for New Investors on Brands and Intangibles

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

AAR06 - Emergency Funds 101

Tue, 15 Jul 2025 09:00:00 -0000

In this episode of 'At Any Rate,' host Evan Raidt and guest Andrew Sather discuss the often overlooked but crucial topic of emergency funds in personal finance.

Evan shares the importance of budgeting as the foundational step towards financial stability and explains why emergency funds are necessary despite not providing immediate returns.

He highlights the alarming statistic that 60% of Americans cannot afford a $1,000 emergency and elaborates on why having an emergency fund can prevent individuals from falling into debt.

The discussion also covers ideal places to keep your emergency fund, such as high-yield savings accounts and health savings accounts (HSAs), and offers practical advice on setting up and maintaining these funds.

Finally, the conversation touches on the psychological benefits of financial preparedness and the steps to take if you need to rebuild your emergency fund after using it. 00:00 Introduction and Episode Overview 00:41 The Importance of Budgeting 02:45 Understanding Emergency Funds 08:04 Where to Keep Your Emergency Fund 17:16 How Much to Save in Your Emergency Fund 26:54 Automation and Emergency Fund Management 32:17 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Stop needlessly overpaying for car insurance. Drivers who save with Jerry save over $1,300 a year on average. Download the Jerry app at ⁠Jerry dot AI slash Beginners⁠

Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Financials Demystified: Operating Expenses and Company Growth

Mon, 14 Jul 2025 00:00:00 -0000

In this episode, Andrew and Dave revisit the financials of businesses, focusing on operating margins and operating expenses. They explain what operating margin is, how to calculate it, and its significance for investors.

The discussion includes tips on analyzing businesses, the impact of reinvestment strategies, and comparing companies based on their financial metrics. They also delve into the benefits of using tools like Fiscal AI to analyze company data efficiently.

The episode concludes with case studies, including companies like Nvidia, Microsoft, Airbnb, and Coca-Cola, illustrating the application of operating margin analysis in real-world scenarios.

00:00 Introduction to Investing for Beginners

00:17 Understanding Operating Margins

02:06 Using Operating Margins in Stock Analysis

04:08 Calculating Operating Margins

05:24 Components of Operating Expenses

07:35 Analyzing R&D and SG&A Expenses

11:06 Case Studies: Nvidia and Microsoft

15:18 Challenges in R&D Investments

18:05 Return on Invested Capital (ROIC)

24:35 Comparing Companies: AutoZone vs. Tech Giants

30:31 Exploring Newer Tech IPOs

35:43 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Stop needlessly overpaying for car insurance. Drivers who save with Jerry save over $1,300 a year on average. Download the Jerry app at ⁠Jerry dot AI slash Beginners⁠

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Link to Michael Mauboussin's paper:

ROIC and the Investment Process

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Understanding Switching Costs: A Key Competitive Advantage

Thu, 10 Jul 2025 00:00:00 -0000

Welcome to the Investing for Beginners podcast! In this episode, Brett from Chitchat Stocks joins us to dive deep into the concept of switching costs and why they are a crucial competitive advantage in the business world. Learn how switching costs contribute to a company's pricing power and profitability with examples from industries like software, financials, and cloud services. We also touch on the potential impacts of AI, educational switching costs, and provide real-world anecdotes to help you identify these 'moats'.

00:00 Introduction to Switching Costs

02:04 Defining Switching Costs

03:10 Examples of Switching Costs in Consumer and Business Contexts

08:27 Impact of AI on Switching Costs

14:05 High Switching Costs in Various Industries

22:20 Challenges and Anecdotes of Switching Payment Processors

23:56 The Pain of Switching Payment Processors

24:43 Understanding Pricing Power in Software Companies

24:55 Autodesk: A Case Study in High Switching Costs

28:44 The Impact of Pricing Power on Valuation

33:10 Examples of Pricing Power and Potential Risks

38:11 Identifying Companies with Strong Moats

40:48 Resources for Learning About Moats and Pricing Power

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠

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AAR05 - What Kind of Investing is Right for You?

Tue, 08 Jul 2025 09:00:00 -0000

In this episode, host Evan Raidt and guest Dave Ahern explore various investment strategies and accounts to help individuals select the best options suited to their financial goals and risk tolerance.

They discuss suitable investment options for beginners, the importance of ETFs, the benefits of a high-yield savings account, the role of individual stocks, real estate, crypto, and bonds, and the advantages of different types of accounts like 401ks, Roth IRAs, HSAs, and custodial accounts.

Emphasizing tax advantages, liquidity, and aligning investments with personal goals, this episode aims to make investing accessible and understandable for everyone.

00:00 Introduction and Welcome

00:29 Is Investing Right for Everyone?

01:34 Types of Investments

03:04 Choosing the Right Investment for You

06:55 Tax-Advantaged Accounts

19:22 Investment Strategies and Diversification

38:28 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠

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For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Retailing is a Tough Business (Industry KPIs to Follow)

Mon, 07 Jul 2025 00:00:00 -0000

In this episode, the focus is on the retail industry and its investment challenges. Dave and Andrew discuss the recent earnings reports for Dick's Sporting Goods and Costco from Andrew's portfolio, exploring key metrics like comparable sales and their importance in assessing retail businesses.

They also introduce Fiscal AI, a tool that helps streamline the process of staying updated with company reports. The conversation covers topics such as the implications of CapEx to depreciation ratios and net debt to EBITDA for growth investments. At the end, Dave and Andrew offer some simple advice for beginners looking to invest in the retail sector.

00:00 Introduction to Investing for Beginners

00:08 Overview of the Retail Industry

00:39 Earnings Reports: Dick's Sporting Goods and Costco

02:13 Understanding Comparable Sales

15:13 Challenges in the Retail Sector

24:42 Evaluating Retail Investments

33:21 Final Thoughts and Recommendations

36:56 Conclusion and Sign-Off

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠⁠

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠

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Q&A: Getting Started from Ground Zero; Is there value in the Mag 7?

Thu, 03 Jul 2025 00:00:00 -0000

In this episode, Dave and Andrew answer listener questions covering essential steps after opening a brokerage account, actions and due diligence before opening an account, and advice for new investors. They emphasize the importance of building good investment habits, such as making investing a part of the budget.

They also discuss beginner-friendly stock picks, the appeal of index funds, and how to manage a diversified portfolio. Additionally, they explore the value in ‘The Magnificent Seven’ stocks, offer personal insights on portfolio allocation, and deliberate over the emotional and practical aspects of investing.

00:00 Welcome and Listener Questions Introduction

00:14 First Steps for New Investors

00:41 Building Good Investment Habits

02:37 Recommended Book for Investors

03:40 Stocks for Beginners

08:43 Advice on Roth IRA Investments

14:59 The Magnificent Seven: Value or Hype?

22:43 Portfolio Management Strategies

35:37 Conclusion and Contact Information Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠fiscal.ai/ifb ⁠⁠⁠⁠⁠Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠

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AAR04 - 5 Steps to Start Investing NOW!

Wed, 02 Jul 2025 10:20:00 -0000

In this episode of our personal finance series, host Evan Raidt is joined by Andrew Sather to discuss actionable steps for beginners looking to start investing.

They emphasize the importance of building an emergency fund, setting up a brokerage account, making the first investment, and automating future investments.

The episode also covers basic insights into the stock market, the significance of consistency, and how to manage emotions during market fluctuations.

Listeners are guided through practical steps and are encouraged to begin their investment journey with confidence.

00:00 Introduction and Welcome

00:25 Recap and Today's Topic

01:14 Investing Mindset and Consistency

04:38 Understanding the Stock Market

07:04 The Power of Compounding

14:43 Emergency Fund Essentials

20:30 Opening a Brokerage Account

23:41 Avoiding Hidden Fees in Your Investment Account

23:53 Choosing the Right Type of Investment Account

24:05 Retirement Accounts vs. Taxable Accounts

25:37 First-Time Investment Recommendations

27:08 Making Your First Investment

29:44 Automating Your Investments

32:30 Understanding Dividend Reinvestment Plans (DRIP)

35:52 Handling Market Fluctuations

42:16 Encouragement for New Investors

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠⁠⁠⁠

Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Have questions? Send them to Evan at evan@einvestingforbeginners.com or ⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠

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For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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Quality Investing with Pieter from Compounding Quality

Mon, 30 Jun 2025 00:00:00 -0000

Welcome to the Investing for Beginners podcast! In this episode, we are joined by Pieter from Compounding Quality for the third time. Pieter shares his insights on transitioning from value investing to quality investing, the importance of return on invested capital, and how to identify high-quality stocks. He also discusses his personal investment strategies, including portfolio construction, the significance of high reinvestment rates, and the value of continuous learning.

00:00 Welcome and Introduction

00:40 The Journey to Quality Investing

03:06 Influential Mentors and Learning Resources

06:50 Daily Habits and Reading Goals

12:03 Investment Strategies and Checklists

18:09 Analyzing Return on Invested Capital

27:02 Conservative Growth Projections

28:01 Evaluating Management Guidance

29:09 Analyst Estimates and Margin of Safety

31:22 Intrinsic Value and Long-Term Returns

37:06 Portfolio Construction Strategies

41:52 Research and Deep Dives

48:33 The Future of Investing Legends

51:03 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

2 of the 5 Key Habits for Successful Stock Picking

Thu, 26 Jun 2025 00:00:00 -0000

In this episode, Dave and Andrew explore essential habits for mastering the investment process, focusing on the critical aspects of managing risks and understanding valuation. They discuss the importance of avoiding significant losses, using examples like Warren Buffet's investment rules and historical stock market scenarios.

They also delve into various valuation methods, including the P/E ratio, PEG ratio, and discounted cash flow (DCF) analysis, emphasizing the need to check biases and maintain conservative growth estimates.

00:00 Introduction to Investing for Beginners

00:18 Understanding Risk in Investing

06:55 Types of Investment Risks

16:35 The Importance of Valuation

29:31 Methods for Valuing Companies

34:14 Conclusion and Final Thoughts Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠fiscal.ai/ifb ⁠⁠⁠⁠

Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠⁠⁠⁠.

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠

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AAR03 - Tips to Balance Your Budget

Tue, 24 Jun 2025 09:00:00 -0000

In this episode of At Any Rate, the focus is on making sustainable financial changes through budgeting. Host Evan Raidt and guest Dave Ahern discuss the importance of budgeting, common misconceptions, and practical steps to create an effective budget.

They emphasize that budgeting is not about restriction but about making informed choices to reach financial goals. They also share their personal budgeting methods and tips for managing finances realistically. The episode encourages listeners to take immediate action by setting up a basic budget and adjusting it over time for long-term success.

00:00 Introduction and Welcome

02:46 The Importance of Budgeting

04:54 Common Misconceptions About Budgeting

08:07 Personal Budgeting Experiences

13:03 Practical Budgeting Tips and Frameworks

35:49 Handling Financial Emergencies

38:19 Final Thoughts and Encouragement

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠⁠

Stop overpaying for car insurance - So before you renew your policy, do yourself a favor—download the Jerry app or head to ⁠⁠JERRY dot AI slash BEGINNERS⁠⁠

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠⁠fiscal.ai/ifb⁠⁠⁠⁠

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠⁠

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For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠.

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Mastering Network Effects: Key to Long-Term Investment Succes

Mon, 23 Jun 2025 00:00:00 -0000

Join the Investing for Beginners Podcast discussing network effects with special guest Brett Schafer. Listen as they explore the concept of moats with a focus on network effects and why they are crucial for competitive advantage and long-term investment success.

The episode covers the origins and importance of moats, discusses companies with strong, medium, and weak network effects like Visa, MasterCard, Airbnb, Uber, and more. Discover how to identify widening or weakening moats and gain insights into the impact of market disruptions on these companies.

00:06 Understanding Network Effects

01:22 The Concept of Moats

04:23 Importance of Competitive Advantages

08:38 Defining Network Effects

19:58 Examples of Network Effect Companies

23:25 Evaluating Network Effects in Marketplaces

24:08 Challenges for Food Delivery and Ride-Sharing Apps

25:53 Visa and MasterCard's Strong Competitive Moats

28:26 Financial Services with Wide Moats

30:31 Analyzing Moat Strength and Investment Strategies

35:53 Investment Opportunities in Companies with Strong Moats

41:27 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

More from Brett:

Substack: Chit Chat Stocks

Podcast: Chit Chat Stocks

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠fiscal.ai/ifb ⁠⁠

Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠⁠⁠.

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠

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Back to Basics: Why You Should Buy Stocks

Thu, 19 Jun 2025 00:00:00 -0000

Welcome to Investing for Beginners Podcast. In this episode, we dive into the basics of investing in stocks and why it's considered one of the best ways to grow your wealth over time.

We discuss the historical performance of the stock market, comparing returns from stocks, bonds, and savings accounts. Learn about the importance of sticking with your investments, the power of compounding, and choosing the right stocks. Whether you're interested in passive investing, working with an advisor, or picking individual stocks, this episode offers valuable insights for investors at any level.

00:00 Introduction to Investing for Beginners

00:23 Why Invest in Stocks?

01:24 Comparing Investment Options

03:11 Understanding Stocks and Ownership

10:10 The Power of Compounding

13:00 Choosing Your Investment Path

18:25 Getting Started with Investing

19:54 Immersing Yourself in a New Language

20:41 The Power of Audible and Continuous Learning

21:09 The Wealth Snowball Effect

24:29 Choosing the Right Stocks to Learn From

31:06 Learning from Mistakes and Finding Mentors

33:50 Handling Market Downturns and Staying the Course

37:11 Wrapping Up and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠

Stop overpaying for car insurance - So before you renew your policy, do yourself a favor—download the Jerry app or head to ⁠JERRY dot AI slash BEGINNERS⁠

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat (now Fiscal.ai). Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠fiscal.ai/ifb ⁠Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠⁠⁠.

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠

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AAR02 - Do I Need A Financial Advisor

Tue, 17 Jun 2025 09:00:00 -0000

In this episode of 'At Any Rate,' host Evan Raidt introduces Andrew Sather for a deep dive into the necessity and value of financial advisors for the average person.

They discuss personal financial awakenings, the taboo surrounding financial discussions, and Andrew's decision to go the DIY route for managing his finances.

Evan shares his experience with a financial advisor, weighing the pros and cons, and ultimately pulling his investments out to manage them himself.

They cover essential financial steps, such as budgeting, automating investments, and planning for large purchases, advocating for empowerment and visibility over one's finances.

This episode aims to demystify financial management and encourage listeners to take control of their financial future.

00:00 Introduction and Welcome

00:34 Andrew Sather's Financial Awakening

04:17 The Role of Financial Advisors

05:45 Personal Experience with a Financial Advisor

09:52 Managing Investments Independently

27:09 Steps to Financial Independence

36:34 Final Thoughts and Advice

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠⁠

Stop overpaying for car insurance - So before you renew your policy, do yourself a favor—download the Jerry app or head to ⁠JERRY dot AI slash BEGINNERS⁠

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat. Get 2 weeks access for free using our link (no card required): ⁠⁠⁠⁠finchat.io/ifb⁠

Have questions? Send them to ⁠⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠⁠

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Financials Demystified: Gross Margins

Mon, 16 Jun 2025 00:00:00 -0000

In this episode, Dave and Andrew introduce a 12-month series focused on breaking down financial statements. This month, they concentrate on gross margin, explaining its importance and how to calculate it using real-world examples like Netflix.

They discuss how to visualize gross margin on an income statement, why the metric can be indicative of a company's pricing power, and how to use it for comparing competitors.

The conversation also touches on potential red flags and sector-specific nuances, offering insights into various companies such as Starbucks, Disney, and Tesla.

00:00 Introduction to the Series

00:24 Understanding Gross Margin

00:45 Visualizing Gross Margin with Netflix

03:12 Importance of Gross Margin in Financial Analysis

05:37 Comparing Gross Margins Across Companies

06:18 Case Studies: Dick's Sporting Goods and PayPal

12:37 Challenges and Red Flags in Gross Margin

21:03 Advanced Metrics and Tools for Analysis

24:01 Gross Margin Trends in Major Companies

33:22 Conclusion and Next Steps Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠

Stop overpaying for car insurance - So before you renew your policy, do yourself a favor—download the Jerry app or head to ⁠JERRY dot AI slash BEGINNERS⁠

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat. Get 2 weeks access for free using our link (no card required): ⁠⁠⁠finchat.io/IFB⁠⁠

Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠⁠.

Have questions? Send them to ⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠

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Navigating Market Volatility and Future-Proof Investing with Ryan Zabrowski

Thu, 12 Jun 2025 00:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's episode, we are joined by Ryan Zabrowski, a senior portfolio manager, CFP, and author of 'Time Ahead: Investors Guide to Prosperity and Impact.'

Ryan shares valuable strategies on handling and preparing for market volatility. He emphasizes the importance of investing in stocks, understanding the significance of free cash flow, and accurately valuing businesses. Ryan also discusses competitive advantages in businesses, sentiment analysis, and the future impact of technology and longevity on investing.

00:00 Introduction and Guest Welcome

00:35 Why Invest in Stocks?

03:01 Understanding Cash Flow and Valuation

06:55 Lessons from Warren Buffett

10:21 Applying Buffett's Lessons

15:55 Managing Volatility and Sentiment Analysis

26:56 Contrarian Investing and Valuation

29:11 Technical Analysis and Market Health

30:41 Identifying Future-Proof Companies

32:14 Competitive Advantages in Business

37:45 Technological Disruption and Longevity

48:53 Economic Expectations and Market Behavior

50:24 Conclusion and Book Promotion

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:⁠

Go to ⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠

Stop overpaying for car insurance - So before you renew your policy, do yourself a favor—download the Jerry app or head to JERRY dot AI slash BEGINNERS

Ryan Zabrowski's Book:

Time Ahead: Investor’s Guide to Prosperity and Impact

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat. Get 2 weeks access for free using our link (no card required): ⁠finchat.io/IFB

Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠.

Have questions? Send them to ⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠

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For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠⁠.

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AAR01 - How to Use Automation to Build Your Wealth

Tue, 10 Jun 2025 09:00:00 -0000

In this inaugural episode of 'At Any Rate,' Evan Raidt welcomes renowned financial expert Dave Ahern to discuss the power of financial automation. They explore various ways to automate savings, investments, and spending to build wealth and achieve financial freedom.

Dave shares his personal methods of using multiple savings accounts and brokerage automation, while Evan highlights the benefits of setting up these systems easily and efficiently.

They also address common barriers people face in automating their finances and provide pragmatic advice to overcome them.

This episode aims to demystify financial automation and emphasizes its importance for stress-free wealth growth and budgeting.

00:00 Introduction and Welcome

00:07 Guest Introduction: Dave Ahern

00:19 Episode Overview: Automation in Finances

00:35 Dave's Personal Automation Strategies

02:19 The Importance of Automation

03:45 Common Automation Misconceptions

10:06 Investing Automation Tips

6:01 Savings Automation Strategies

21:19 Automating Your Spending

29:59 Why People Avoid Automation

35:35 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠ to start selling with Shopify today.

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What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat. Get 2 weeks access for free using our link (no card required): ⁠⁠⁠finchat.io/ifb

Have questions? Send them to ⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠

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Q&A: Screening for Red Flags; Watchlist and Industry Map Building

Mon, 09 Jun 2025 00:00:00 -0000

In this episode, Dave and Andrew dive into listener questions about screening for red flags in companies and building a robust watchlist. Key topics include identifying financial red flags such as debt ratios and declining cash flow, the role of the 10-K in understanding business nuances, the debate between charismatic versus boring CEOs, and the methodology for building comprehensive industry maps and watchlists.

The episode offers practical advice for both novice and experienced investors, emphasizing the importance of thorough research and due diligence.

00:00 Welcome to Investing for Beginners

00:13 Screening for Red Flags in Companies

09:10 Building and Organizing a Watch List

16:32 Boring vs. Charismatic CEOs

19:55 Creating an Industry Map

33:49 Conclusion and Listener Questions

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat. Get 2 weeks access for free using our link (no card required): ⁠⁠finchat.io/IFB⁠

Have questions? Send them to ⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠

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For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠⁠.

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Life as a Buy Side Investor with Dan Boston

Thu, 05 Jun 2025 00:00:00 -0000

In this episode, the hosts are joined by Dan Boston from Polar Capital to discuss small cap investing and its potential. Dan shares his journey from a young self-taught investor to managing large capital funds, emphasizing the importance of understanding a company’s fundamental operations over just financial metrics.

He also discusses the implications of the global realignment on investment strategies, offering insights into how international markets, particularly small-cap stocks, may offer promising opportunities.

Dan offers practical advice for young investors and underscores the value of mentorship and continuous learning.

00:00 Introduction and Guest Welcome

00:52 Dan's Early Interest in Stocks

02:20 A Day in the Life of an Investor

05:16 Career Path and Key Experiences

08:53 Advice for Aspiring Investors

14:41 Investment Strategies and Philosophy

18:28 Identifying Promising Small Companies

24:55 Evaluating Management Teams

25:53 Identifying Companies with Strong Execution Plans

26:11 Case Study: Swedish Online Pharmacy

27:46 Automation and Scale in the Pharmaceutical Industry

29:02 Global Market Trends and Company Strategies

32:24 The Great Global Realignment

37:23 Opportunities in Changing Markets

42:08 Investment Strategies and Diversification

45:20 Advice for Young Investors

48:56 Conclusion and Resources

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠ to start selling with Shopify today.

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More from Dan:

Why international and why now? -- https://www.polarcapitalfunds.com/us/individual/News-Views/Post/10523/Why_international_and_why_now/ The Great Global Realignment: International Small Company Fund Q1 update -- https://www.polarcapitalfunds.com/us/individual/News-Views/Post/14361/The_Great_Global_Realignment_International_Small_Company_Fund_Q1_update/ Polar Capital LinkedIn: https://www.linkedin.com/company/polar-capital-us/posts/?feedView=all

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat. Get 2 weeks access for free using our link (no card required): ⁠⁠finchat.io/IFB⁠

Have questions? Send them to ⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠

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For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠⁠.

Learn more about your ad choices. Visit megaphone.fm/adchoices

AAR00 - Welcome to At Any Rate. Let's Get to Know Each Other

Tue, 03 Jun 2025 09:00:00 -0000

In this episode, hosts Andrew and Evan Raidt announce the launch of a new weekly segment called 'At Any Rate.' This new show will focus on beginner-friendly personal finance strategies designed to make long-term, impactful changes without sacrificing current enjoyment.

Evan, a mechanical engineer and personal finance enthusiast, shares his own financial journey and emphasizes the importance of sustainable, high-leverage financial decisions. He discusses the myths and challenges around personal finance and offers insights into approachable strategies like investing in the stock market and making smart purchases.

The episode promises educational content aimed at helping listeners find a balance between living a fulfilling life now and preparing for a secure financial future.

00:00 Exciting New Weekly Episodes Announcement

00:21 Introducing Evan Wright and 'At Any Rate'

02:03 Personal Finance Myths and Realities

03:56 Sustainable Financial Changes

10:03 Investing Basics and Stock Market Accessibility

15:57 Mindset Shifts for Financial Success

33:56 Future Episodes and What to Expect

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat. Get 2 weeks access for free using our link (no card required): ⁠⁠finchat.io/IFB⁠

Have questions? Send them to ⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠

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For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠⁠.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Earnings Chat: Pharma, Tariffs, Fear & Loathing and Uncertainty

Mon, 02 Jun 2025 00:00:00 -0000

In this episode, Dave and Andrew delve into the earnings of two companies, McKesson and Crocs, from Andrew's portfolio, exploring their market positions and growth potentials.

They discuss the impact of external factors like potential changes in pharmaceutical pricing policies under the Trump administration and tariffs on manufacturing. The episode includes detailed insights into the financial health and strategic positioning of McKesson, a leader in pharmaceutical distribution, and Crocs, known for its consumer-centric brand.

By examining key financial metrics and market uncertainties, the hosts provide a comprehensive analysis that balances both qualitative narratives and quantitative data, using tools like Finchat for deeper financial exploration.

00:00 Introduction to Earnings Discussion

00:38 McKesson: Navigating Pharmaceutical Uncertainty

04:38 McKesson's Financial Performance and Growth

20:49 Crocs: Tariffs and Market Challenges

25:02 Analyzing Crocs' Financial Health

35:28 Baseball Talk and Conclusion

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠

What do Dave and Andrew recommend?

Our #1 recommended stock research platform is FinChat. Get 2 weeks access for free using our link (no card required): ⁠finchat.io/IFB

Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠.

Have questions? Send them to ⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠

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For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠.

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American Express: A Deep Dive into Its Business Model and Moat

Thu, 29 May 2025 00:00:00 -0000

In this episode of Investing for Beginners, Dave is joined by Brett Schafer from Chit Chat Stocks to delve into the business model and competitive advantages of American Express (Amex).

They discuss Amex’s unique vertically integrated model, combining credit card issuance with payment processing, and its robust revenue streams from swipe fees, credit card loans, and high-fee premium cards. They also highlight Amex’s strong brand equity, historical resilience, and strategic partnerships. They tackle potential risks, the benefits of their network effect, customer satisfaction issues, and the prospects of emerging competitors. To conclude, Brett shares his cautious optimism about the company and his investment strategy around it.

00:03 American Express: A Deep Dive

01:18 Buffett's History with American Express

02:54 American Express Business Model Explained

04:04 Revenue Breakdown and Key Drivers

05:56 High Fee, High Reward Cards

11:28 Expanding Customer Base

14:25 American Express' Competitive Moat

21:24 The Power of American Express

24:30 The Value of American Express for Merchants

25:00 American Express's Marketing Strategy

26:10 Pandemic Impact and Recovery

27:36 Potential Risks and Downsides

29:35 Competition and Market Position

35:32 Why Not Invest in American Express?

41:05 Key Performance Indicators to Watch

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠ to start selling with Shopify today.

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Today's show is sponsored by BetterHelp

Get 10% off your first month today with ⁠⁠BetterHelp⁠⁠

More from Brett:

Chit Chat Stocks Podcast

Chit Chat Stocks Substack

Brett's X Handle CCM_Brett

What do Dave and Andrew recommend?

Have questions? Send them to ⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠

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⁠⁠⁠⁠

For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠.

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Deep Dive into Berkshire Hathaway, Intrinsic Value, and Portfolio Strategies with the Intrinsic Value Podcast

Mon, 26 May 2025 00:00:00 -0000

In this episode of 'Investing for Beginners,' we welcome Shawn and Daniel from the Intrinsic Value Podcast to discuss various investing topics, including their recent trip to the Berkshire Hathaway annual meeting.

The conversation covers insights from the meeting, key observations about Warren Buffett's announcement on Greg Abel, and reflections on Berkshire's future. Shawn and Daniel also share their process for sourcing investment ideas, analyzing companies, and determining intrinsic value. They explain how they balance conviction and safety in their investment portfolios and reveal the significance of documenting a detailed investment thesis.

00:28 Berkshire Hathaway Meeting Insights

01:22 Warren Buffett's Big Announcement

03:25 Reflections on the Meeting

06:46 Future of Berkshire Hathaway

13:23 Podcasting and Investment Strategies

15:22 Researching and Pitching Stocks

24:22 Evaluating Investment Opportunities

33:15 Researching Investment Ideas

33:29 Analyzing Company Filings

34:27 Using Financial Tools and Resources

34:50 Evaluating Investment Theses

35:31 The Importance of Earnings Calls

36:00 Leveraging External Research

36:59 Writing and Reflecting on Investment Decisions

44:53 Understanding Intrinsic Value

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠

Today's show is sponsored by BetterHelp

Get 10% off your first month today with ⁠⁠BetterHelp⁠⁠

More from Shawn and Daniel:

Intrinsic Value Podcast

Intrinsic Value Community

What do Dave and Andrew recommend?

Have questions? Send them to ⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠

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For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠.

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Q&A: Fixing a Bad Portfolio and Reacting to AI's Disruption

Thu, 22 May 2025 00:00:00 -0000

In this episode, Dave and Andrew address listener questions and offer advice on challenging investment scenarios. They discuss whether to sell underperforming stocks and provide insights on being a long-term business owner versus a stock trader. They also delve into how to adjust free cash flow estimates and consider case-by-case scenarios for different companies.

Moreover, they offer guidance to a listener who has received a significant inheritance and is seeking investment advice. The episode concludes with a discussion on the potential impact of AI on Google's search business, highlighting how to interpret and react to market news.

00:00 Welcome and Listener Questions Overview

00:13 Question 1: Handling Stock Losses

06:57 Question 2: Estimating Free Cash Flow

16:55 Question 3: Building a Wealth Portfolio

26:31 Discussion: Google and AI Disruption

35:41 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠⁠MintMobile.com/beginners⁠⁠⁠

Today's show is sponsored by BetterHelp

Get 10% off your first month today with ⁠BetterHelp⁠

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠Value Spotlight⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠stockwriteup.com⁠⁠⁠.

Have questions? Send them to ⁠⁠⁠newsletter@einvestingforbeginners.com

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The Buffett Approach to Microcaps: Whit Huguley's Winning Strategy

Mon, 19 May 2025 00:00:00 -0000

Join us as we explore the overlooked world of microcap investing with Whit Hughley of River Oaks Capital. Discover how finding A+ CEOs in obscure, fragmented markets can lead to exceptional returns. Learn why boots-on-the-ground research and personal relationships with management teams create a competitive edge in this inefficient market.

[00:00:00] Welcome to microcap investing discussion with Whit Hughley.
[00:01:00] Whit's journey from startup to private equity to microcaps.
[00:05:00] Microcap advantage: First investor visiting companies in years.
[00:08:00] "Suggestive investing" helps unlock value in undervalued companies.
[00:14:00] Finding ideas requires networking, not screening like large caps.
[00:19:00] Seek obscure markets where competitors can't justify entering.
[00:25:00] A+ CEOs know strengths/weaknesses and speak business-owner to business-owner.
[00:35:00] Look for hidden non-core assets often missed in valuations.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

More from Whit Huguley of River Oaks Capital

River Oaks Capital

X Account: Whit Huguley

Today’s show is sponsored by:

Go to ⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠ to start selling with Shopify today.

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Today's show is sponsored by BetterHelp

Get 10% off your first month today with ⁠BetterHelp⁠

Podcast Survey

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What do Dave and Andrew recommend?

Have questions? Send them to ⁠⁠⁠newsletter@einvestingforbeginners.com

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For sponsorship inquiries, reach out to us at ⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠.

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Q&A: Selling During Volatility and Visualizing Net Working Capital

Thu, 15 May 2025 00:00:00 -0000

In this episode of the Investing for Beginners podcast, hosts Andrew and Dave tackle four intriguing listener questions gathered from various sources. They begin by discussing the merits and timing of selling stocks during a downturn and the potential pitfalls of making multiple trading decisions simultaneously.

They then delve into the intricacies of the Discounted Cash Flow (DCF) model, explaining its relevance with or without inflation. The conversation transitions to net working capital, exploring its importance in cash flow statements versus balance sheet metrics. Finally, they address concerns about high-level executives or board members selling large amounts of stock, providing insights on when this might be a red flag for investors.

00:00 Introduction and Listener Questions Overview

00:33 Is Now a Bad Time to Sell Stocks?

06:52 The Importance of Staying Invested During Market Volatility

10:37 Understanding Discounted Cash Flows (DCF)

18:00 Calculating Free Cash Flow and Working Capital

30:58 Insider Stock Sales: Red Flags or Not?

34:06 Conclusion and How to Submit Questions

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠⁠SHOPIFY.COM/beginners⁠⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠⁠MintMobile.com/beginners⁠⁠

Today's show is sponsored by BetterHelp. Get 10% off your first month today with ⁠BetterHelp⁠

Podcast Survey

⁠einvestingforbeginners.com/survey⁠

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at ⁠⁠Value Spotlight⁠⁠. To see a sample of his previous work, go to ⁠⁠stockwriteup.com⁠⁠.

Have questions? Send them to ⁠⁠newsletter@einvestingforbeginners.com⁠⁠

SUBSCRIBE TO THE SHOW
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For sponsorship inquiries, reach out to us at ⁠⁠equity@einvestingforbeginners.com⁠⁠.

Learn more about your ad choices. Visit megaphone.fm/adchoices

International Investing 101: ADRs, Foreign Markets, and Building Global Wealth

Mon, 12 May 2025 00:00:00 -0000

International investing offers portfolio diversification beyond your home market, especially valuable during US market downturns like in 2025. While investing abroad requires understanding different accounting standards, currency risks, and market access methods, modern brokerages make global investing increasingly accessible to beginners seeking broader opportunities.

[00:00:45] International investing provides diversification beyond home markets during downturns.
[00:02:45] Start with 10% allocation in countries you understand culturally.
[00:06:30] Mexico, South America, Europe, Japan offer familiar business environments.
[00:12:30] Avoid war-torn regions with poor business rule of law.
[00:14:45] ADRs provide access to foreign stocks through US markets.
[00:22:30] Interactive Brokers offers direct access to 36 international markets.
[00:35:00] IFRS accounting treats R&D differently than US GAAP standards.
[00:39:30] Currency fluctuations significantly impact international investment returns.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at MintMobile.com/beginners

Today's show is sponsored by BetterHelp. Get 10% off your first month today with BetterHelp.

Podcast Survey

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To get more Brett:

Podcast: Chit Chat Stocks

Twitter: CCM_Brett

Substack: Chit Chat Stocks

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

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Adobe: The Best Ideas are the Simplest

Thu, 08 May 2025 00:00:00 -0000

In this episode, we break down the viability of Adobe as a stock investment. We discuss the challenges of evaluating Adobe, which operates as "a category of one" in its sector.

Key points include the importance of not being deterred by simplicity in investment ideas, drawing parallels with other industry giants like Microsoft and Visa. The discussion emphasizes the significance of understanding a company's historical adaptability, in Adobe's case from hardware to SaaS.

We also delve into the potential disruptive threats from AI and other competitors, while expressing confidence in Adobe's resilience due to its robust financials and strong market presence. The episode concludes with recommendations on the psychological aspects of investing, such as overcoming comfort zones and automatic disqualifications based on market sentiment.

00:00 Introduction and Live Stream Announcement
01:19 Simplicity in Investing
02:41 Adobe's Market Position and Strategy
05:43 Adobe's Financial Performance
07:46 Historical Market Trends and Comparisons
09:38 Adobe's Adaptability and Management
19:18 Emotional Challenges in Investing
21:38 The Importance of Adobe Experience in the Job Market
23:07 Microsoft's Dominance in the Office Software Market
25:22 Adobe's Value to Enterprises and Market Position
27:46 Adobe's Management and AI Integration
34:23 Potential Competitors and Market Disruption
40:29 Final Thoughts on Adobe and Investment Strategies

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to ⁠SHOPIFY.COM/beginners⁠ to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at ⁠MintMobile.com/beginners⁠

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at ⁠Value Spotlight⁠. To see a sample of his previous work, go to ⁠stockwriteup.com⁠.

Have questions? Send them to ⁠newsletter@einvestingforbeginners.com⁠

SUBSCRIBE TO THE SHOW

⁠Apple⁠ | ⁠Spotify⁠ | ⁠YouTube⁠ | ⁠Amazon⁠ | ⁠Tunein⁠

For sponsorship inquiries, reach out to us at ⁠equity@einvestingforbeginners.com⁠.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Secrets to Sourcing Investment Ideas

Mon, 05 May 2025 00:00:00 -0000

In this episode of Investing for Beginners, Brett Schafer from Chitchat Stocks shares actionable strategies for sourcing investment ideas. From leveraging Twitter and newsletters to using stock screeners and avoiding common pitfalls, Brett provides a comprehensive guide to smarter stock research. Tune in to learn how to build a winning portfolio with confidence.

[00:01:00] Importance of curating trustworthy sources for investment ideas.

[00:03:00] Why understanding your investments prevents panic during downturns.

[00:05:00] Using Twitter’s search function to explore stock tickers.

[00:10:00] Benefits of subscribing to newsletters for detailed stock analysis.

[00:19:00] How Value Investors Club and Yellow Brick Investing help research.

[00:24:00] Tips for using stock screeners to find undervalued companies.

[00:33:00] Brett’s best investments sourced from screeners and newsletters.

[00:45:00] Serendipity in finding great stocks through online communities.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at MintMobile.com/beginners

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

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How We'd Handle Our First 30 Days as an Investor

Thu, 01 May 2025 04:00:00 -0000

In this episode, Dave and Andrew answer listener questions on investment strategies, specifically discussing the benefits of using ISA and GIA accounts in the UK. They also offer advice on handling fractional shares and avoiding tax headaches.

In the second segment, the hosts delve into essential steps for new investors during their first 30 days, including the importance of buying familiar stocks, utilizing good investing books, and maintaining a learning journal.

00:00 Introduction and Episode Overview

00:20 Listener Question: ISA vs GIA Accounts

07:07 Analyzing Companies and Finding Competitors

18:42 First 30 Days as a New Investor

25:59 Building Good Investing Habits

36:25 Conclusion and Contact Information

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Get your summer savings and shop premium wireless plans at MintMobile.com/beginners

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

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Inside the Mind of a Tech CFO: Lessons from CJ Gustafson

Mon, 28 Apr 2025 00:00:00 -0000

CJ Gustafson, tech CFO and author of Mostly Metrics, joins the show to reveal what a CFO really does, how SaaS models work, the art of raising capital, and why storytelling is crucial in finance. Learn about IPOs, AI’s impact, and building durable businesses from one of the industry’s most insightful voices.

[00:01:00] CFOs as resource allocators and company portfolio managers.

[00:04:00] SaaS model’s predictability and recurring revenue explained.

[00:07:00] Managing cash flow and runway in startups is critical.

[00:10:00] Building investor relationships for easier future fundraising rounds.

[00:13:00] CFOs spend more time managing people than spreadsheets.

[00:15:00] Tech business models and pricing strategies evolve rapidly.

[00:18:00] Klarna IPO: business model, AI use, and credit risks.

[00:25:00] CFOs must tell compelling stories, not just crunch numbers.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Learn more about CJ here: Mostly Metrics

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

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Q&A: Exit Strategies, FDVV ETF, Using AI for Stock Analysis

Thu, 24 Apr 2025 00:00:00 -0000

In this episode, Dave and Andrew address three detailed listener questions. They offer insights on investing in micro-cap stocks, setting up an exit strategy, and the importance of understanding time horizons.

The discussion extends to the utility of AI in financial research, where they outline its current limitations and emphasize the critical value of personally reading and understanding company financial statements. They also provide practical tips for balancing detailed financial analysis with a busy lifestyle and the potential advantages and risks associated with different investment strategies.

00:00 Introduction and Listener Questions Overview

00:41 Question 1: Strategies for Micro Cap Stocks

11:44 Question 2: Evaluating FDVV and Investment Strategies

21:59 Question 3: Using AI for Investment Research

33:54 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

Apple | Spotify | YouTube | Amazon | Tunein

For sponsorship inquiries, reach out to us at equity@einvestingforbeginners.com.

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Why Amazon's P/E Ratio is Misleading and the Right Way to Value Them

Mon, 21 Apr 2025 00:00:00 -0000

Confused by Amazon’s PE ratio? Financial educator Brian Feroldi breaks down the six stages of a company’s life and reveals why traditional valuation metrics often fail. Learn how to analyze any stock, avoid common mistakes, and discover the tool that makes investing easier for everyone.

[00:01:00] Why PE ratio fails for Amazon and growth stocks.

[00:03:00] The six stages of a company’s business lifecycle explained.

[00:07:00] How to spot startups and hypergrowth companies in the market.

[00:11:00] Self-funding phase: when companies stop needing outside capital.

[00:13:00] Operating leverage: profits grow faster than revenue here.

[00:16:00] Capital return phase: dividends, buybacks, and mature companies.

[00:19:00] Three key numbers to identify a company’s current stage.

[00:26:00] Why Amazon’s valuation needs a different metric approach.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Check out the Stock Simplifier here: Stock Simplifier.

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

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The Truth About Target Date Funds: Joe Saul-Sehy of Stacking Benjamin's Take

Thu, 17 Apr 2025 00:00:00 -0000

Join Joe Saul-Sehy (Stacking Benjamins) as he shares his raw, hilarious, and practical journey from financial disaster to financial independence. Learn why budgeting trumps stock picking, the real story behind target date funds, and how to build wealth in your 20s.

[00:01:00] Joe’s frugal start: recording from his mom’s basement.

[00:02:00] Inflation warning: budget, not stocks, is your real risk.

[00:04:00] Joe’s first money mistake: credit card disaster at Citadel.

[00:09:00] Mom’s tough love: “It’s your problem, not mine.”

[00:11:00] Gamifying debt payoff: taking control became fun.

[00:14:00] Take career risks, not just portfolio risks, for wealth.

[00:17:00] Purpose in retirement: why staying active matters most.

[00:39:00] Target date funds: why Joe says “don’t use them.”

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

Learn more about Joe and Stacking Benjamins here:

Stacking Benjamins

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

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Apple | Spotify | YouTube | Amazon | Tunein

For sponsorship inquiries, reach out to us at equity@einvestingforbeginners.com.

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Comparing the Biggest Retailers: Costco vs Amazon vs Walmart

Mon, 14 Apr 2025 00:00:00 -0000

In this episode, Dave and Brett dive deep into a detailed comparison of three retail giants: Amazon, Costco, and Walmart. We analyze how these companies compete, their business models, and what potential investors should consider.

The show covers Amazon's diverse revenue streams, Costco's membership-driven, low-margin strategy, and Walmart's large-scale, low-cost operations. The conversation also touches on the financials, growth prospects, and potential risks associated with each company, providing a comprehensive guide for beginner investors.

00:00 Introduction and Episode Overview

01:46 Amazon: The Retail Giant

02:30 Amazon's Business Segments and Growth

05:36 Amazon Prime and AWS

09:12 Costco: The Warehouse Club Model

11:49 Costco's Business Strategy and Growth

21:29 Walmart: The Retail Leader

24:16 Walmart's Growth Strategy

25:40 Amazon vs. Walmart: The Grocery Battle

27:36 Costco's Competitive Edge

29:24 Investment Prospects: Walmart, Costco, and Amazon

37:06 Amazon's Innovation and Risks

39:33 Walmart and Costco: Growth Challenges

46:04 Final Thoughts and Future Predictions

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

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Learn more about your ad choices. Visit megaphone.fm/adchoices

Analyzing Software Stocks Amid the Market Turmoil w/ Finchat's CEO

Thu, 10 Apr 2025 00:00:00 -0000

In this episode, we are joined by Braden Dennis, co-founder and CEO of FinChat.io, to discuss strategies for dealing with market volatility, investment styles, and the importance of a long-term perspective in stock investing.

Braden shares insights into his own investment philosophy, the kinds of companies he prefers, and how he sources and evaluates potential investments. The discussion includes an in-depth look at handling uncertainty in the markets, sector-specific challenges, and the future of AI in investing and business operations.

Listeners also get an overview of Braden's favorite companies and what makes them durable, along with practical advice on how to use screener tools.

00:00 Introduction and Guest Welcome

00:48 Handling Market Volatility

04:22 Investment Strategies and Risk Tolerance

08:19 Finding and Evaluating Companies

12:30 Quality Investing and Valuation

16:20 Durability and Market Trends

23:49 Understanding Software Business Durability

24:24 The Power of Network Effect Businesses

24:59 Building Moats in Software Companies

25:42 The Challenge of Competing with Established Software

26:42 The Appeal of Investing in Software

28:00 Fin Chat's Personalized Features

28:31 The Complexity of Data Aggregation

29:57 The Impact of AI on Knowledge Work

33:54 The Future of Coding with AI

35:25 AI's Role in Automating Paperwork

39:45 Investing in AI and Infrastructure

44:34 Fin Chat and Podcast Recommendations

46:24 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Check out Braden's podcast: The Canadian Investor

Get 15% off a subscription to Finchat.io using our affiliate link: http://finchat.io/?via=dave

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

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Learn more about your ad choices. Visit megaphone.fm/adchoices

Investor Profile: Warren Buffett's Impact on Our Life and Investing

Mon, 07 Apr 2025 00:00:00 -0000

In this episode, Dave and Andrew dive deep into the life and strategies of Warren Buffett, one of the most renowned investors of all time. The discussion covers Buffett's early years, his entrepreneurial spirit, his foundational influences, including Ben Graham, and his value-based investing approach.

Additionally, the episode explores Buffett’s acquisition and management strategies at Berkshire Hathaway, his use of insurance float, and some pivotal decisions during his career. The hosts also reflect on the practical lessons they’ve learned from Buffett.

00:00 Introduction to Warren Buffet

00:25 Buffet's Early Years and Influences

03:27 The Intelligent Investor and Ben Graham

08:18 Buffet's Investment Partnership

12:34 The Berkshire Hathaway Era

16:02 The Power of Insurance Float

21:37 Buffet's Investment Philosophy

29:06 Lessons and Legacy

33:06 Conclusion and Listener Engagement

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

Apple | Spotify | YouTube | Amazon | Tunein

Learn more about your ad choices. Visit megaphone.fm/adchoices

10 of the Best CEOs in the Stock Market Today

Thu, 03 Apr 2025 00:00:00 -0000

In this episode, Brett Schafer from Chit Chat Stocks joins Dave for an in-depth discussion on their favorite CEOs, emphasizing the importance of capital allocation and strategic business direction.

Dave and Brett highlight transformative leaders, as well as legends of capital allocation through stock purchases and M&A strategies. They also explore rising stars in innovative and technology-first industries like payments. The episode provides insights into how these CEOs have navigated challenges, evolved their business models, and consistently created value for shareholders through smart investment and operational strategies.

00:00 Introduction

01:02 Discussing Favorite CEOs

01:28 Brett's First Pick: Bom Suk Kim of Coupang

06:52 Dave's First Pick: Warren Buffett

12:44 Brett's Second Pick: Brian Chesky of Airbnb

16:57 Dave's Second Pick: Mark Leonard of Constellation Software

22:01 Brett's Third Pick: Stephen Squeri of American Express

25:34 Dave's Third Pick: Pieter van der Does of Adyen

26:38 The Unique Culture of Adyen

27:02 Adyen's One-Platform Advantage

28:04 Stock-Based Compensation and Pay Ratios

28:53 Adyen's Market Position and Growth

30:43 Sprouts Farmers Market Turnaround

37:41 Nubank's Innovative Approach

42:41 Nelnet: The Berkshire Heir

47:51 Markel's Berkshire-Like Strategy

51:03 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Check out Brett's podcast called Chit Chat Stocks, and the great work he does on their Substack.

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

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Learn more about your ad choices. Visit megaphone.fm/adchoices

Q&A: Buying Big, Struggling Companies; Adding to Losers

Mon, 31 Mar 2025 00:00:00 -0000

In this episode, Dave and Andrew answer listener questions sourced from Reddit and direct messages. Topics include whether Intel's stock drop presents a buying opportunity, the implications of poor capital allocation and mergers on shareholder value, and advice on buying the dip in Texas Instruments (TXN) and Crown Castle (CCI).

The conversation delves into the risks and benefits of investing in large, well-known companies, and stresses the importance of understanding a business's fundamentals and market position. Listeners are encouraged to think long-term and consider the implications of market trends, technological disruptions, and management decisions on their investments.

00:00 Welcome to Investing for Beginners

00:19 Should I Buy Intel Stock?

03:03 Understanding the Innovator's Dilemma

06:53 Evaluating Big Companies as Investments

14:59 Impact of Management Decisions on Shareholder Value

24:51 Texas Instruments vs. Crown Castle

34:24 Final Thoughts and Wrap-Up

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

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The Myriad of Opportunities in Infrastructure with John Rotonti

Thu, 27 Mar 2025 00:00:00 -0000

In this episode, the hosts reconnect with John Rotonti, portfolio manager at Islamorada Investment Management. John offers insights into his approach to selecting stocks, emphasizing the significance of long-duration growth and sticking to high-quality businesses.

He outlines the focuses of his portfolio that includes industrials, infrastructure, and housing-related stocks, while managing a considerable cash position due to selectivity in quality investments. John also shares his perspective on industry-wide sell-offs, giving examples of influential stocks and CEOs, discussing characteristics crucial for sustaining competitive advantages and long-term returns.

00:00 Introduction and Welcome

00:08 John Rotonti's New Role and Portfolio Overview

01:00 Portfolio Composition and Strategy

01:34 Infrastructure and Housing Investments

05:26 Cash Management and Investment Philosophy

10:25 Industry-Wide Sell-Offs and Contrarian Investing

19:57 Long Duration Growth and Utility Investments

24:30 Evaluating Company Growth Potential

25:06 Revenue Growth Analysis

26:36 Margin Expansion Opportunities

28:23 Case Study: Stock Movement Between Buckets

28:56 Electrification and Data Centers

33:27 GE Renova: A Deep Dive

39:08 Mount Rushmore of CEOs

43:08 Investment Strategies and Moats

46:04 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Subscribe to John Rotonti's fantastic newsletter at lastbastion.com.

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

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Stock Therapy: How many stocks is too many?

Mon, 24 Mar 2025 00:00:00 -0000

In this unique episode of the Investing for Beginners podcast, the hosts turn the microphone inward as Dave takes the 'patient' seat and Andrew assumes the role of 'therapist'.

Dave discusses his challenges in managing a portfolio of 25-26 companies, expressing concerns about over-diversification and the pressure to stay informed on each holding. The conversation delves into the emotional aspects of investing, the balance between staying informed and being overwhelmed, and specific stocks such as MasterCard, FICO, and Meta.

The hosts explore strategies for managing portfolio size, staying informed without getting overwhelmed, and overcoming biases when evaluating new investment opportunities. The episode wraps up with insights on the therapeutic value of discussing investment struggles openly and the introduction of a new 'stock therapy' workshop for their Value Spotlight community.

00:00 Introduction to Stock Therapy

00:44 Portfolio Management Challenges

04:30 Balancing Information and Emotions

17:41 Reevaluating Investment Strategies

30:38 Stock Therapy Sessions Announcement

32:29 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

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The History of NVIDIA and Latest in AI w/ Eric Bleeker from the AI Investor Podcast

Thu, 20 Mar 2025 00:00:00 -0000

In this episode, Dave Ahern and special guest Eric Bleeker from 24/7 Wall Street and the AI Podcast delve into the transformative world of artificial intelligence (AI).

The discussion expands on the evolution of AI, emphasizing Nvidia’s milestones and breakthroughs in deep learning and neural networks. They highlight the dramatic advancements and potential disruptions AI brings to fields like coding, data centers, and software development.

Eric explains the new scaling laws and reasoning models that promise to revolutionize AI further. They explore investment strategies in the AI sector, including major tech players and emerging picks and shovels in the supply chain. Concluding with practical applications of AI in everyday life, this episode offers a comprehensive overview of the AI industry.

00:00 Introduction and Guest Welcome

00:27 Eric's Journey into AI

04:08 The Rise of Nvidia

06:34 Deep Learning and AI Breakthroughs

11:56 Scaling Laws and AI's Future

17:53 Global AI Investments and Market Reactions

24:14 Understanding Reasoning Models

25:44 AI's Astounding Progress in Reasoning

26:07 The Future of AI in Coding and Beyond

29:20 Investing in AI: Key Players and Strategies

31:11 AI's Impact on Various Industries

45:34 The Role of AI in Personal and Professional Life

48:48 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

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Where Do We Start When Analyzing an Income Statement?

Mon, 17 Mar 2025 00:00:00 -0000

In this episode, hosts Andrew and Dave break down how to analyze an income statement using Nike as an example. They discuss the importance of financial statements, starting with revenue and profitability, and walk through the different sections such as net income, gross profit, and operating income.

They also emphasize the significance of earnings per share and provide insights on what to look for in the MD&A (Management Discussion and Analysis) section of company reports. The episode includes practical advice on identifying key metrics and potential red flags in a company's financial health.

00:00 Introduction to Investing for Beginners

00:07 Understanding Income Statements

00:31 Analyzing Nike's Financials

01:06 Key Metrics in Income Statements

01:32 Revenue and Profitability Insights

05:28 Management Discussion and Analysis (MD&A)

08:46 Gross Profit and Operating Income

18:05 Earnings Before Taxes and Interest

22:35 Earnings Per Share (EPS)

29:13 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

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Expanding Your Competence Like Buffett (w/ Alex Morris from TSOH)

Thu, 13 Mar 2025 00:00:00 -0000

In this episode, Dave and Andrew feature Alex Morris, founder and analyst at TSOH Investment Research and author of 'Buffett and Munger Unscripted.' Alex shares his journey into the world of stock investing, inspired by business legends Warren Buffett and Charlie Munger.

The conversation covers Alex's perspective on investing, including his preference for stocks over other assets, insights from his book, and his views on business valuation, competitive analysis, and the importance of management.

The dialogue also touches on strategies like minimum position sizing, the role of qualitative versus quantitative analysis, and advice for novice investors looking to expand their knowledge and competence in investing. As a special note, proceeds from Alex's book will be partially donated to Glide, a charitable organization supported by Warren Buffett.

00:00 Introduction and Guest Welcome

00:30 Why Choose Stocks?

02:00 The Inspiration Behind the Book

04:47 Impact of Berkshire Meetings

06:59 Understanding Business and Investing

08:08 Insights on Discount Stores

12:41 Lessons from Berkshire's History

19:49 Circle of Competence and Investment Strategies

25:41 Analyzing New Investments

26:38 Dollar Tree Investment Journey

30:07 Evaluating Microsoft and Tech Investments

45:06 Writing and Its Impact on Investing

49:05 Final Thoughts and Book Promotion

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

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Is Zyn the Next "To The Moon" Investment?

Mon, 10 Mar 2025 00:00:00 -0000

In this episode of the Investing for Beginners podcast, Andrew and Dave provide a comprehensive analysis of Philip Morris, one of the leading tobacco companies.

They detail the company's historical financial performance, including its revenue growth, profit margins, and capital allocation strategy. They also discuss Philip Morris' recent strategic moves, such as the acquisition of Swedish Match and the introduction of the Zyn nicotine product.

Despite the hype surrounding Zyn's growth, they highlight concerns about the company's profitability and the sustainability of its business model. Additionally, the hosts express their personal stance on investing in tobacco companies. The episode serves as a deep dive into the financials and strategic direction of Philip Morris, offering valuable insights for potential investors.

00:00 Introduction to Philip Morris

00:20 Overview of Philip Morris and Its Products

01:24 Financial Health and Maturity of Philip Morris

03:27 Profit Margins and Financial Insights

04:44 Geographical Revenue Breakdown

08:08 Capital Allocation and Debt Management

09:46 Zyn's Impact and Market Trends

13:48 Challenges and Future Outlook

27:02 Ethical Considerations and Personal Reflections

30:43 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

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What You Don't Understand About Cyclical Compounding w/ Leandro from Best Anchor Stocks

Thu, 06 Mar 2025 00:00:00 -0000

In this episode of the Investing for Beginners podcast, hosts Dave and Andrew welcome Leandro from Best Anchor Stocks as their guest.

Leandro discusses his enthusiasm for long-term equity investing, explaining how he avoids shorting due to its unfavorable risk-return ratio. He details his approach to building an investment portfolio, his views on sell strategies, and the importance of thorough research and understanding company fundamentals.

Leandro also shares insights about his investment process, how he finds new ideas, and his preference for companies with strong management and secular growth trends.

By delving into examples like John Deere, Texas Instruments, and Keysight Technologies, he illustrates concepts such as cyclical investments, operating leverage, and industry transformations. Leandro emphasizes the importance of patience and avoiding recency bias in achieving consistent, long-term returns.

00:00 Welcome and Introduction

00:41 Why Invest in Stocks?

02:09 Portfolio Management Strategies

03:27 The Challenges of Selling Stocks

04:53 Researching and Analyzing Companies

15:56 Finding Investment Ideas

21:47 Cyclical vs. Linear Compounders

36:39 The Importance of Benchmarking

44:48 Final Thoughts and Where to Find More

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Follow Leandro on Twitter @Invesquotes

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

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Q&A: Does Value Work Today and Dividends or Buybacks?

Mon, 03 Mar 2025 00:00:00 -0000

In this episode, the hosts of the 'Investing for Beginners' podcast tackle complex listener questions about the advantages of share buybacks for dividend-focused investors. They delve into the mechanics of buybacks and their impact on share value and discuss the pros and cons of dividends vs. buybacks in terms of cash flow reliability and tax treatment.

The episode also offers practical advice on avoiding stock analysis paralysis and finding competitive advantages in companies, touching on historical investment strategies and their relevance today.

00:00 Welcome to Investing for Beginners

00:16 Listener Question: Share Buybacks vs Dividends

02:15 Understanding Share Buybacks

03:16 Pros and Cons of Dividends and Buybacks

05:21 Tax Implications of Dividends and Buybacks

08:14 Real-World Examples of Dividends and Buybacks

11:37 Addressing Listener Concerns

13:24 Avoiding Stock Analysis Paralysis

19:41 Finding a Competitive Advantage

25:58 Value Investing: Then and Now

38:13 Final Thoughts and Predictions

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

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12 Things I Wish I Knew When I First Started Investing

Thu, 27 Feb 2025 00:00:00 -0000

In this episode of the Investing for Beginners podcast, hosts Andrew and Dave share the top 12 lessons they wish they knew when they first started investing.

They discuss the challenges of beating the market, the simplicity of investment math, the importance of continuous learning, and the nuances of understanding business fundamentals.

They also delve into the significance of valuation, the impact of volatility, and the emotional aspects of selling investments. The conversation highlights the need for accounting knowledge, the value of share buybacks, and the benefits of having a community in the often solitary world of investing.

Listeners are encouraged to learn from these insights to avoid common pitfalls and enhance their investment journey.

00:00 Introduction to Investing for Beginners

00:10 It's Not Easy to Beat the Market

03:38 The Math is Easier Than I Thought

05:59 You Don't Know What You Don't Know

10:27 The Money and Returns Will Come

13:21 Selling is Harder Than Buying

18:53 Nobody Knows Everything About Wall Street

23:20 You Have to Learn Accounting

24:10 Buybacks Are Not Bad

26:30 Don't Be Dogmatic

30:22 Valuation Matters

32:30 Volatility Will Happen

34:50 The Game is Lonely

38:14 Conclusion and Final Thoughts

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

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Investor Profile: How Charlie Munger Helped Us Think Better

Mon, 24 Feb 2025 00:00:00 -0000

In this episode of the 'Investing for Beginners' podcast, the hosts profile the life and career of renowned investor Charlie Munger, who had a significant impact on Warren Buffett and Berkshire Hathaway.

The discussion covers Munger's early challenges, his legal career, eventual partnership with Buffett, and his influential investment philosophies. Key highlights include Munger's impact on Buffett's transition from deep value investing to focusing on high-quality businesses, and his notable investments like Costco.

The hosts also discuss Munger's famous quotes and principles, including 'invert, always invert' and 'avoiding stupidity,' emphasizing how these insights have shaped their own investment strategies and personal growth. Listeners are encouraged to learn more about Munger through his speeches and writings available online.

00:00 Introduction to the Podcast

00:31 Early Life and Career of Charlie Munger

02:22 Munger's Influence on Buffett and Investment Strategies

07:40 The Concept of Worldly Wisdom

22:12 Munger's Famous Quotes and Principles

28:44 Charlie Munger's Legacy

32:01 Conclusion and Final Thoughts

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

Use code [INVESTINGPOD] at the link below to get an exclusive 60% off an annual Incogni plan: https://incogni.com/investingpod

What do Dave and Andrew recommend?

Andrew works really hard to find the best insights he can every single month at Value Spotlight. To see a sample of his previous work, go to stockwriteup.com.

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

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4 Easy Ways to Value a Stock

Thu, 20 Feb 2025 00:00:00 -0000

In this episode of the Investing for Beginners podcast, the hosts delve into four primary methods to value a stock: Price to Earnings (P/E) ratio, Price to Sales (P/S) ratio, Price to Free Cash Flow (P/FCF) ratio, and Return on Equity (ROE).

They begin with an in-depth discussion of the PE ratio, explaining its calculation, significance, and limitations while also providing examples from various industries. They then move on to the PS ratio, highlighting its utility for early-stage growth companies and its limitations. For Price to Free Cash Flow, they detail the calculation process and explain why this metric might be more volatile but useful for valuing a company's cash-generating efficiency. Finally, they explore ROE, emphasizing its importance in assessing a company's profitability relative to shareholder equity and the potential pitfalls associated with debt manipulation.

This episode is packed with valuable insights and practical examples to help beginners better understand stock valuation metrics.

Link to 4 Ways to Value a Stock Infographic

https://www.canva.com/design/DAF9oFDWqqs/InAZ8cTXtihE5PNqD-8DwQ/view?utm_content=DAF9oFDWqqs&utm_campaign=designshare&utm_medium=link2&utm_source=uniquelinks&utlId=hb507626659

00:00 Introduction to Stock Valuation

00:22 Understanding the PE Ratio

03:18 Industry-Specific PE Ratios

05:36 Limitations of the PE Ratio

10:24 Introduction to the PS Ratio

11:13 Using the PS Ratio for Growth Companies

13:47 Introduction to Price to Free Cash Flow

16:10 Calculating Free Cash Flow

23:54 Introduction to Return on Equity

24:44 Buffett's Approach to ROE

29:34 Potential Pitfalls of ROE

30:43 Conclusion and Q&A

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

What do Dave and Andrew recommend? Our free ebook and email series, at stockmarketpdf.com.

Find great investments & Connect, Learn and Grow at Value Spotlight

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

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Learn more about your ad choices. Visit megaphone.fm/adchoices

Why is the SEC Letting Companies Get Away with This?

Mon, 17 Feb 2025 00:00:00 -0000

Wall Street incentives are all jacked up, and after 25 years of experience poring through countless financial statements, David Trainer has an easy and automated solution for improving the transparency of the capital markets.

The problem with financial statements today are that the details are in the footnotes, and these details are not captured in earnings reports or price earnings ratios. Investors who don’t read the footnotes and aren’t always getting the complete picture of a company's story, and corporate America is incentivized to continue to obfuscate it.

The fact of the matter is that too little attention is being paid to whether companies are creating or destroying value with their growth and it’s leading to too many investors losing money by speculating on bad businesses. If more investors took the time to fully understand and analyze ROIC and economic earnings, they would be better able to allocate capital towards businesses that actually have the best long-term prospects.

If things change with the new administration and the speculative excesses of the last few years start to dissipate, then we could see a reset in the capital markets-- with the return of undervalued and profitable businesses generating better returns than speculative growth ones.

This episode is jampacked with many of David Trainer's personal stories and insights, including why he founded New Constructs and the purpose behind it, which is to Improve the Integrity of the Capital Markets.

It’s a mission that’s sorely needed and that we fully stand behind. Share this episode with others so this movement can spread.

00:00 Introduction and Guest Welcome

00:33 Earnings Season Insights

02:31 Understanding Economic Earnings

05:21 The Importance of Return on Invested Capital

08:04 Market Speculation and Liquidity

19:36 Footnotes and Financial Obfuscation

26:07 Emergency Brake Protocols and Missing Disclosures

26:34 Challenges with Operating Leases

27:41 The Role of Estimator Code

27:56 Regulatory Bodies and Enforcement Issues

31:39 Conflicts of Interest on Wall Street

35:32 The Birth of New Constructs

40:23 Technological Advancements in Data Collection

46:52 Upcoming Live Stream and Platform Demo

50:36 Conclusion and Final Thoughts

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures

This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/INVESTING and get on your way to being your best self.

What do Dave and Andrew recommend? Our free ebook and email series, at stockmarketpdf.com.

Find great investments & Connect, Learn and Grow at Value Spotlight

Have questions? Send them to newsletter@einvestingforbeginners.com

SUBSCRIBE TO THE SHOW

Apple | Spotify | YouTube | Amazon | Tunein

Learn more about your ad choices. Visit megaphone.fm/adchoices

How Value Investing Works: The "Last Puff"

Thu, 13 Feb 2025 00:00:00 -0000

In this episode of the Investing for Beginners podcast, Andrew and Dave address a thought-provoking question from Reddit about value investing and discuss how market overreactions and narratives affect stock prices.

They delve into the relevance of Warren Buffett's early strategies, the impact of cyclical forces, and the dynamics of unloved companies gaining popularity. The conversation explores examples from different sectors, emphasizing the importance of understanding businesses over reacting to market news.

The episode highlights the challenges and rewards of value investing, stressing the need for patience and awareness of market narratives.

00:00 Welcome to Investing for Beginners

00:15 Understanding Value Investing with Warren Buffett

00:42 Market Emotions and Overreactions

01:47 The Impact of News on Market Perception

02:55 Challenges of Predicting Market Movements

05:51 Cyclical Forces and Business Fortunes

08:14 Case Studies: Home Builders and Semiconductors

24:24 Echo Chambers and Market Narratives

30:37 Final Thoughts and Wrap Up

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

Go to get.stash.com/INVESTING to see how you can receive $25 towards your first stock purchase and to view important disclosures.

What do Dave and Andrew recommend? Our free ebook and email series, at stockmarketpdf.com.

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Bird's Eye View of Uber Technologies (UBER): Companies Reaching Profitability

Mon, 10 Feb 2025 00:00:00 -0000

In this episode of the Investing for Beginners podcast, the hosts provide a comprehensive look at Uber Technologies as an investment opportunity. The discussion includes personal experiences using Uber, the company's current financial status, and a deep dive into the company's growth stage and stock dilution practices. The conversation touches on the challenges and risks Uber faces, including competition from other ride-sharing apps, regulatory hurdles, and potential impacts of autonomous vehicles. This episode also emphasizes the importance of following financial statements and considering various viewpoints to make informed investment decisions.

00:00 Introduction to the Podcast

00:05 Exploring Uber Technologies

00:30 Personal Experiences with Uber

01:31 Investment Considerations for Uber

02:42 Financial Analysis of Uber

09:49 Risks and Challenges for Uber

14:42 Community Insights and Final Thoughts

27:57 Encouragement for Aspiring Investors

29:43 Conclusion and Contact Information

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Go to shipsticks.com and use the code INVESTING for 20% off.

What do Dave and Andrew recommend? Our free ebook and email series, at stockmarketpdf.com.

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Spotting Potential Red Flags with the Cash Conversion Cycle

Thu, 06 Feb 2025 00:00:00 -0000

In this episode of the Investing for Beginners podcast, the hosts delve into the intricacies of the cash conversion cycle (CCC), an important metric for evaluating how quickly a company converts cash into inventory and back into cash.

They break down key accounting terms like cash, inventory, accounts payable, and accounts receivable, and discuss how these elements are interrelated.

By examining real-life examples such as Costco, Amazon, and Walmart, the hosts illustrate how the CCC can highlight a company's operational efficiency and potential red flags.

They also touch on differences in business practices and how these reflect on financial metrics, highlighting the importance of cash flow for company stability and growth.

00:00 Welcome to Investing for Beginners

00:10 Understanding the Cash Conversion Cycle

00:37 Breaking Down Key Accounting Terms

01:51 The Importance of Cash Flow

03:38 Accounts Receivable and Payable Explained

05:34 Visualizing Financial Relationships

09:02 Formulas and Financial Metrics

12:23 Real-World Examples and Applications

25:33 Fun with Accounting and Hot Dogs

27:28 Conclusion and Listener Engagement

Today’s show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

What do Dave and Andrew recommend? Our free ebook and email series, at stockmarketpdf.com.

Find great investments & Connect, Learn and Grow at Value Spotlight

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Finding Safe Compounding Dividends with TJ Terwilliger

Mon, 03 Feb 2025 00:00:00 -0000

Join us for an insightful discussion with TJ Terwilliger from Compounding Dividends, as we dive deep into dividend investing strategies. Learn why smart investors choose dividend stocks, how to analyze dividend-paying companies and discover expert tips for building long-term wealth through dividend investing.

0:00 Introduction and why choose stocks over other investments
4:15 Understanding dividend reinvestment and DRIP strategies
8:30 How to start investing in dividend stocks
12:45 Key metrics for evaluating dividend stocks
17:20 Red flags to watch for in dividend investing
22:40 Dividend Aristocrats and reliable dividend payers
27:15 Tech companies and changing dividend landscape
32:50 Warren Buffett's approach to dividends

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Learn more from TJ here:

X: @tj_terwilliger

X: @CompoundingW

Compounding Dividends

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IFB381: What to Look For When You First Discover a Company To Invest In

Thu, 30 Jan 2025 00:00:00 -0000

Join us for an in-depth analysis of Union Pacific Corporation, one of America's largest railroad companies. We'll examine their financial performance, market position, and investment potential while breaking down key metrics that matter to investors. Discover if this transportation giant deserves a place in your portfolio.

0:00 Company Overview: Union Pacific's core business and market position
5:17 Financial Analysis: Revenue growth and profit margin examination
10:30 Market Competition: Analysis of major railroad competitors
15:45 Capital Allocation: Discussion of dividends and buybacks
20:15 Growth Analysis: Examination of reinvestment opportunities
25:30 Valuation Metrics: Current market value assessment
30:45 Investment Suitability: Portfolio fit considerations
35:20 Final Recommendations: Conclusions for different investor types

Today's show is sponsored by:

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Learn how the stock market works with our 7 Steps ebook and series.

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The Timeless Cornerstones of Investing in the Stock Market

Mon, 27 Jan 2025 00:00:00 -0000

Dive into the foundational principles of value investing as taught by legendary investors Warren Buffett and Benjamin Graham. This episode explores their revolutionary approach to viewing stocks as businesses, utilizing market volatility to your advantage, and implementing margin of safety - concepts that remain crucial for investment success even today.

• 00:00:34 - Introduction to Warren Buffett and Ben Graham's principles

• 00:01:23 - How these investors revolutionized stock market approach

• 00:02:23 - Real-world examples of successful investment strategies

• 00:03:25 - Understanding the importance of viewing stocks as businesses

• 00:16:15 - Leveraging market volatility for investment opportunities

• 00:27:02 - Exploring the concept of margin of safety

• 00:32:43 - Practical tips for implementing value investing strategies

• 00:37:29 - Final thoughts on applying Buffett's investment principles

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

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Start learning how the stock market works with our 7 Steps ebook and series.

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IFB379: Investment Diversification Strategy - The 4-Quarter Portfolio Approach

Thu, 23 Jan 2025 00:00:00 -0000

Discover the secrets of successful portfolio management as we dive deep into sector concentration, diversification strategies, and risk management. Whether you're a beginner or experienced investor, learn how to structure your portfolio using the four-quarter approach while avoiding common mistakes that could cost you significant returns.

[0:00] Introduction to sector concentration and portfolio management discussion

[2:15] Warren Buffett's concentration strategy vs average investor approach

[5:30] Four-quarter portfolio diversification strategy explained

[8:45] Sector categorization and theme-based investing approach

[12:20] Portfolio evolution and adaptation over time

[15:40] Managing position sizing and portfolio growth

[18:30] New investor considerations for portfolio construction

[22:15] Expert insights on concentration vs diversification debate

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

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Learn how the stock market works with our 7 Steps ebook and series.

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IFB378: Expanding Your Circle of Competence - A Beginner's Guide

Mon, 20 Jan 2025 00:00:00 -0000

Join Andrew and Dave in this insightful episode as they explore the art of expanding your circle of competence. Discover practical methods to master new skills, from coding to investing, and learn how to overcome the fear of learning. Perfect for beginners eager to grow their knowledge and confidence.

[00:01] Introduction to expanding your circle of competence.
[02:15] Andrew's approach to learning new skills.
[05:30] The importance of learning by doing.
[08:45] Dave's personal journey with language learning.
[12:00] Overcoming fear in learning new skills.
[15:20] Understanding financial statements for beginners.
[18:35] Demystifying DCF for beginner investors.
[22:50] Building confidence through practical learning.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

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You can find the transcript of today's show below:

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IFB377: Restaurant Stocks: What 9 Years as an Owner/GM Taught Me About the Industry

Thu, 16 Jan 2025 00:00:00 -0000

Join us for an insider's look at restaurant industry investing with our expert who brings years of hands-on experience from dishwasher to management. Learn crucial metrics, understand the difference between franchise and corporate models, and discover how to evaluate restaurant stocks for your investment portfolio.

[3:15] Unit growth and same-store sales are crucial metrics

[12:30] Food and labor costs determine restaurant profitability fundamentals

[18:45] Franchise versus corporate models: key differences explained

[25:20] Location importance and real estate value in restaurant success

[32:10] Technology impact and automation in restaurant operations

[38:45] Customer taste evolution affects long-term restaurant success

[42:30] Scalability challenges and operational efficiency discussed

[48:15] Future trends and investment considerations in restaurant industry

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Find great investments at Value Spotlight

Have questions? Send them to newsletter@einvestingforbeginners.com

Start learning how to value companies here: DCF Demystified Link

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IFB376: Our Thoughts on SMCI, Position Sizing Based on Risk

Mon, 13 Jan 2025 00:00:00 -0000

Join investing experts Andrew and Dave as they dive deep into portfolio management strategies, risk assessment, and identifying companies worth holding for life. From analyzing high-growth tech stocks to understanding accounting red flags, this episode provides valuable insights for both beginning and experienced investors seeking to build sustainable portfolios.

[2:30] Portfolio risk assessment: comparing early-stage vs mature companies

[8:45] Position sizing strategies based on company life cycles

[15:20] Wide-moat stock analysis and allocation strategies

[22:35] Super Micro Computer case study and accounting red flags

[29:40] Impact of delisting threats on investment decisions

[35:15] Buy-and-hold forever stocks: Microsoft, Costco, Visa analysis

[42:10] Berkshire Hathaway's future without Warren Buffett discussion

[48:25] Evolution of tech giants and maintaining competitive advantage

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Find great investments at Value Spotlight

Have questions? Send them to newsletter@einvestingforbeginners.com

Start learning how to value companies here: DCF Demystified Link

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IFB375: Missed NVIDIA or Netflix? Why FOMO Isn’t Always Bad

Thu, 09 Jan 2025 00:00:00 -0000

In this episode of the Investing for Beginners Podcast, we dive into the emotional side of investing—FOMO (Fear of Missing Out). From missing NVIDIA to lessons from Costco, we explore how emotions influence decisions, why it’s okay to miss big stocks, and strategies to stay disciplined and focused on your goals.

[00:00:00] Introduction to FOMO in investing and its emotional impact.
[00:01:00] Why missing NVIDIA didn’t cause regret but Netflix did.
[00:03:00] The importance of exposure to industries like semiconductors.
[00:05:00] Lessons from focusing too much on one sector.
[00:09:00] Industry growth trends and weak correlations over time.
[00:11:00] Why some industries trigger FOMO more than others.
[00:17:00] Strategies to combat FOMO: trust your process and plan.

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

Find great investments at Value Spotlight

Have questions? Send them to newsletter@einvestingforbeginners.com

Start learning how to value companies here: DCF Demystified Link

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IFB374: Understanding Sum of Parts Valuation - Breaking Down Complex Companies

Mon, 06 Jan 2025 00:00:00 -0000

Join us for an insightful discussion on advanced investment strategies, featuring expert analysis of Peter Lynch's Sum of Parts valuation method, portfolio tracking techniques, and professional approaches to handling market news. Whether you're a beginner or experienced investor, this episode delivers practical wisdom for smarter investing decisions.

[2:15] Sum of Parts valuation explained - breaking down company components

[8:30] Portfolio tracking methods - combining cash and stock performance

[12:45] Google Finance tracking tip for real-time portfolio updates

[15:20] Dividend reinvestment considerations in performance calculations

[18:40] Handling company news - focus on official documentation

[22:15] CEO departures impact on investment decisions - Intel case

[25:30] Key red flags in company performance to watch

[28:45] Long-term investment perspective when facing negative news

Today's show is sponsored by:

Go to SHOPIFY.COM/beginners to start selling with Shopify today.

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Have questions? Send them to newsletter@einvestingforbeginners.com

Start learning how to value companies here: DCF Demystified Link

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IFB373: Stock Market Myths Debunked - It’s Not Just a Casino

Thu, 02 Jan 2025 05:00:00 -0000

Welcome to the Investing for Beginners podcast! In this episode, we dive into the history of the stock market, exploring key events, timeless lessons, and the driving forces of fear and greed. Discover how understanding the past can empower you to make smarter investment decisions and build confidence in your financial journey.

[00:00:35] Introduction to the episode and its focus on history.
[00:01:11] Common beginner fears about the stock market debunked.
[00:02:03] How history empowers investors with valuable lessons.
[00:04:04] Fear and greed: A constant theme in market behavior.
[00:06:39] Why stock market crashes are inevitable but manageable.
[00:08:14] Long-term growth trends in the stock market explained.
[00:13:00] Historical examples of bubbles and market resilience.
[00:27:46] Final thoughts: Staying confident as a long-term investor.

Today's show is sponsored by:

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IFB372: How to Use Reverse DCF Models - Expert Tips for Stock Valuation

Mon, 30 Dec 2024 05:00:00 -0000

Join us for an insightful discussion on fundamental investing concepts with industry experts. We'll explore capital structure analysis, valuation techniques, and psychological biases that affect investment decisions. Whether you're a beginner or experienced investor, this episode provides valuable insights to help optimize your investment strategy and improve portfolio performance.

[00:01:11] Capital structure basics: equity and debt financing explained
[00:08:41] Reverse DCF model: analyzing growth rates effectively
[00:18:48] Stop loss strategies: pros and cons discussed
[00:24:22] Psychology biases: identifying and overcoming limitations
[00:32:46] Portfolio cash management: optimal allocation strategies
[00:15:44] Growth stock volatility: managing investment risks
[00:20:55] Value investing approach: focusing on fundamentals
[00:35:07] Market timing vs time in market debate

Today's show is sponsored by:

Go to shipstation.com and use code INVESTING to sign up for your FREE 60-day trial.

Go to monarchmoney.com/BEGINNERS for THIRTY PERCENT OFF your first year.

Sign up for a one-dollar-per-month trial period at shopify.com/beginners.

Get 15% off your next gift at UNCOMMONGOODS.COM/INVESTING

Get 10 FREE meals at HelloFresh.com/freeinvesting!

Cut your wireless bill to 15 bucks a month at mintmobile.com/beginners.

Go to SELECTQUOTE.COM/BEGINNERS TODAY to get started.

Find great investments at Value Spotlight

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Value Investing Secrets: From Berkshire to Micro-Caps with Daniel from All-In-One Investing

Thu, 26 Dec 2024 05:00:00 -0000

Join us for an enlightening conversation with Daniel from All In as we dive deep into value investing strategies, portfolio management, and global market opportunities. From Berkshire Hathaway to micro-caps, discover how to build a successful investment approach while avoiding common pitfalls and maximizing returns in today's dynamic market environment.

• 00:01:21 - Why stocks? Initial attraction to market investing explained

• 00:02:44 - First investments during COVID era, including Berkshire success

• 00:04:55 - Journey through investment literature and learning process

• 00:14:16 - Understanding business fundamentals before investing decisions

• 00:30:00 - Portfolio concentration strategies and position sizing approach

• 00:42:22 - Micro-cap investing challenges and opportunities explained

• 00:54:07 - Global market navigation and geographic investment considerations

• 00:58:37 - Risk management based on age and capital discussed

Get more Daniel here:

X: @MnkeDaniel

Substack: The All-In-One Investing Platform

Today's show is sponsored by:

Go to shipstation.com and use code INVESTING to sign up for your FREE 60-day trial.

Go to monarchmoney.com/BEGINNERS for THIRTY PERCENT OFF your first year.

Sign up for a one-dollar-per-month trial period at shopify.com/beginners.

Get 15% off your next gift at UNCOMMONGOODS.COM/INVESTING

Get 10 FREE meals at HelloFresh.com/freeinvesting!

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IFB371: Warren Buffett's 4 Investment Filters - A Beginner's Guide

Mon, 23 Dec 2024 05:00:00 -0000

Warren Buffett’s investment philosophy revolves around four key filters: understanding the business, favorable growth prospects, trustworthy management, and a sensible price. These filters help investors identify good, great, or gruesome businesses. In this episode, we break down Buffett’s criteria, share examples, and discuss how to apply these principles to your investment strategy.

[00:00:50] Buffett’s filters identify good, great, or gruesome businesses effectively.
[00:01:33] The four filters: understand business, growth, management, sensible price.
[00:02:12] Understanding the business is crucial for long-term investment success.
[00:03:43] Lack of understanding leads to panic during market downturns.
[00:06:00] Some businesses are too complex; avoid what you can’t understand.
[00:08:06] Trustworthy management is vital; avoid red flags like overcompensation.
[00:14:44] Great businesses have strong moats and don’t rely on superstar CEOs.
[00:25:08] Gruesome businesses grow fast but burn cash, like Sunrun or Beyond Meat.

Today's show is sponsored by:

Go to shipstation.com and use code INVESTING to sign up for your FREE 60-day trial.

Go to monarchmoney.com/BEGINNERS for THIRTY PERCENT OFF your first year.

Sign up for a one-dollar-per-month trial period at shopify.com/beginners.

Get 15% off your next gift at UNCOMMONGOODS.COM/INVESTING

Get 10 FREE meals at HelloFresh.com/freeinvesting!

Cut your wireless bill to 15 bucks a month at mintmobile.com/beginners.

Go to SELECTQUOTE.COM/BEGINNERS TODAY to get started.

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How to Evolve as an Investor: Lessons from Jeff & Jason of Investing Unscripted

Thu, 19 Dec 2024 05:00:00 -0000

In this episode of the Investing for Beginners Podcast, Dave and Andrew are joined by Jeff and Jason from Investing Unscripted to discuss evolving as an investor. They share lessons from market volatility, the importance of valuation, breaking bad habits, and building a resilient portfolio. A must-listen for thoughtful, long-term investors!

[00:01:04] Evolving as an investor requires learning from mistakes and volatility.
[00:03:48] Valuation matters: High prices can hurt, but growth justifies some.
[00:05:36] Be ready for market downturns; cash reserves can be critical.
[00:08:22] Align your portfolio strategy with personal financial goals.
[00:11:26] Avoid value traps: Cheap stocks aren’t always good investments.
[00:27:54] Patience and pattern recognition improve with experience over time.
[00:39:05] Break bad habits: Don’t hold losers or sell winners too early.
[00:54:43] Confirmation bias can derail decisions; challenge your investment theses.

To learn more from Jeff and Jason

Investing Unscripted Podcast

Jeff on Twitter

Jason on Twitter

Today's show is sponsored by:

Go to shipstation.com and use code INVESTING to sign up for your FREE 60-day trial.

Go to monarchmoney.com/BEGINNERS for THIRTY PERCENT OFF your first year.

Sign up for a one-dollar-per-month trial period at shopify.com/beginners.

Get 15% off your next gift at UNCOMMONGOODS.COM/INVESTING

Get 10 FREE meals at HelloFresh.com/freeinvesting!

Cut your wireless bill to 15 bucks a month at mintmobile.com/beginners.

Go to SELECTQUOTE.COM/BEGINNERS TODAY to get started.

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IFB370: Free Cash Flow Metrics - Margin, Yield, and Conversion Explained

Mon, 16 Dec 2024 05:00:00 -0000

In episode 370 of the Investing for Beginners Podcast, Dave and Andrew tackle listener questions about PE ratios, target date funds, debt-to-equity ratios, and free cash flow metrics. Learn how to evaluate companies, understand expense ratios in 401(k)s, and use DCF models to value businesses. A must-listen for beginner investors!

[00:01:21] Missing PE ratios? It’s often due to negative or missing earnings.
[00:03:12] Target date funds simplify rebalancing but limit investment flexibility.
[00:06:57] High expense ratios in 401(k)s vary by employer and fund options.
[00:11:46] Debt-to-equity ratios must be evaluated alongside interest coverage metrics.
[00:18:05] DCF models can include debt, depending on the valuation approach.
[00:26:00] Free cash flow margin measures efficiency in converting revenue to cash.
[00:27:15] Free cash flow yield helps identify undervalued stocks with strong returns.
[00:34:42] Free cash flow conversion shows how well earnings turn into cash flow.

Today's show is sponsored by:

Go to shipstation.com and use code INVESTING to sign up for your FREE 60-day trial.

Go to monarchmoney.com/BEGINNERS for THIRTY PERCENT OFF your first year.

Sign up for a one-dollar-per-month trial period at shopify.com/beginners.

Get 15% off your next gift at UNCOMMONGOODS.COM/INVESTING

Get 10 FREE meals at HelloFresh.com/freeinvesting!

Cut your wireless bill to 15 bucks a month at mintmobile.com/beginners.

Go to SELECTQUOTE.COM/BEGINNERS TODAY to get started.

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Understanding Home Builders: Insights from Brett & Ryan of Chit Chat Stocks

Thu, 12 Dec 2024 05:00:00 -0000

The Investing for Beginners Podcast dives into the fascinating world of home builders with Brett and Ryan from Chit Chat Stocks. Learn how interest rates, land options, and market dynamics shape the industry. Discover key metrics, regional trends, and strategies for evaluating home builders as potential investments in this insightful and engaging discussion.

[00:02:06] Home builders face unique challenges due to rising interest rates.
[00:03:08] Industry dynamics vary by geography and home type (entry-level, luxury).
[00:04:12] Home shortages benefit new builds as existing homeowners stay put.
[00:05:10] New home sales offset declines in existing home sales.
[00:14:11] Land option models reduce risk for asset-light home builders.
[00:27:18] Mortgage rate buy-downs incentivize buyers despite affordability challenges.
[00:33:22] Home builders’ valuations reflect cyclical risks and macroeconomic uncertainty.
[00:41:02] Key metrics: cancellation rates, inventory turns, and land ownership models.

For more of Brett & Ryan

Chit Chat Stocks Podcast

Chit Chat Stocks on X

Brett on X

Ryan on X

Today's show is sponsored by:

Go to shipstation.com and use code INVESTING to sign up for your FREE 60-day trial.

Go to monarchmoney.com/BEGINNERS for THIRTY PERCENT OFF your first year.

Sign up for a one-dollar-per-month trial period at shopify.com/beginners.

Get 15% off your next gift at UNCOMMONGOODS.COM/INVESTING

Get 10 FREE meals at HelloFresh.com/freeinvesting!

Get two hundred fifty dollars when you join Ramp. Go to ramp.com/BEGINNERS

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IFB369: How to Handle Stock Losses for Beginners

Mon, 09 Dec 2024 05:00:00 -0000

Welcome to Episode 369 of the Investing for Beginners Podcast! Today, we’re diving into listener questions about Disney stock, Warren Buffett’s legacy, dividend reinvestment strategies, and using DCF valuation to analyze stocks. Whether you’re a beginner or seasoned investor, this episode is packed with actionable insights to help you make smarter investment decisions.

[00:00:50] Submit questions via Spotify, email, or social media platforms.
[00:01:18] Listener asks: Should I sell Disney stock or hold longer?
[00:02:19] Evaluate Disney’s fundamentals: Do you believe in its long-term growth?
[00:03:56] Selling stocks is harder than buying due to loss aversion.
[00:07:15] Consider opportunity cost: What could you gain by reallocating funds?
[00:14:46] Warren Buffett’s philanthropy: How it might impact Berkshire stock.
[00:21:12] Dividend reinvestment: Auto-reinvest vs. manually choosing new stocks.
[00:30:15] DCF valuation: Use it to assess growth and stock price alignment.

Today's show is sponsored by:

Go to shipstation.com and use code INVESTING to sign up for your FREE 60-day trial.

Go to monarchmoney.com/BEGINNERS for THIRTY PERCENT OFF your first year.

Sign up for a one-dollar-per-month trial period at shopify.com/beginners.

Get 15% off your next gift at UNCOMMONGOODS.COM/INVESTING

Get 10 FREE meals at HelloFresh.com/freeinvesting!

Cut your wireless bill to 15 bucks a month at mintmobile.com/beginners.

Go to SELECTQUOTE.COM/BEGINNERS TODAY to get started.

Find great investments at Value Spotlight

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Start learning how to value companies here: DCF Demystified Link

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Growth vs. Quality Investing with Pieter Slegers and Kris Heyndrikx

Thu, 05 Dec 2024 05:00:00 -0000

In this episode of the Investing for Beginners podcast, hosts welcome Pieter from Compounding Quality and Kris from Multibagger Nuggets. They discuss the impact of macroeconomic and political factors on investing, the importance of company culture and CEO vision, and strategies like dollar-cost averaging for navigating market volatility.

00:00:53 - Discussing macroeconomic impacts on investing amid U.S. elections.
00:01:34 - Kris emphasizes ignoring macro noise for long-term investing.
00:03:06 - Importance of focusing on business performance over stock price.
00:04:22 - Pieter highlights differing investment approaches with Kris.
00:05:02 - Both agree macroeconomics shouldn't dictate investment decisions.
00:08:19 - Pieter and Kris discuss their unique investing inspirations.
00:11:14 - Kris advises aligning portfolios with personal investment strategies.
00:16:12 - Importance of mindset and patience in successful investing.

Learn more from Pieter here:

X: @QCompounding

Substack: Compounding Quality

And Kris here:

X: @FromValue

Substack: Multibagger Nuggets

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PIVOT Framework ("T"): Thinking Moats

Mon, 02 Dec 2024 05:00:00 -0000

Welcome to the Investing for Beginners podcast, where we explore essential strategies to enhance your investment journey. In this episode, we delve into the PIVOT framework, discuss the competitive moats of companies like Costco and American Express, and highlight the importance of community in making informed investment decisions.

00:00:00 - Introduction to the Investing for Beginners podcast and today's topic.
00:00:52 - Overview of the PIVOT framework for better investing.
00:01:07 - Explanation of PIVOT: Portfolio, Idea, Valuation, Observed, Thinking.
00:01:42 - Discussion on Costco's competitive moat and business model.
00:02:26 - Introduction to scale economy shared with Azure example.
00:03:40 - Defining moats and their importance for investors.
00:06:08 - American Express's unique business model and customer loyalty.
00:25:08 - Google's economic toll booth model and growth strategies.

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PIVOT Framework ("O"): Observing Metrics

Thu, 28 Nov 2024 05:00:00 -0000

Welcome to the Investing for Beginners podcast, where we delve into the PIVOT framework's essential metrics. In this episode, we explore gross margin, current ratio, and return on invested capital (ROI C). Discover how these financial metrics can enhance your investment analysis and help you make informed decisions in the stock market.

00:00:00 - Introduction to the Investing for Beginners podcast episode.
00:00:50 - Overview of the PIVOT framework and its components.
00:01:09 - Discussion on gross margin as a beginner metric.
00:03:33 - Importance of gross margin in comparing industry peers.
00:10:01 - Introduction to the current ratio for financial health.
00:12:12 - Calculating the current ratio from balance sheet data.
00:17:12 - Exploring ROI C as an expert-level investment metric.
00:27:04 - Benefits of the School of Investing for learners.

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PIVOT Framework ("V"): Valuation

Mon, 25 Nov 2024 05:00:00 -0000

Welcome to the Investing for Beginners podcast, where we simplify complex financial concepts for novice investors. In this episode, we continue exploring the PIVOT framework, focusing on valuation techniques like the PE ratio and discounted cash flow models. Learn how these tools can enhance your investment strategy and decision-making process.

00:00:00 - Introduction to the Investing for Beginners podcast episode.
00:00:54 - Overview of beginner, intermediate, and expert resources.
00:01:19 - Discussion on the importance of the PE ratio.
00:02:05 - How to calculate and interpret the PE ratio.
00:05:22 - Comparing PE ratios across different industries and sectors.
00:13:49 - Introduction to discounted cash flow (DCF) models.
00:24:08 - Explanation of discount rates and their significance.
00:35:55 - Overview of the School of Investing and its benefits.

Today's show is sponsored by:

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PIVOT Framework ("I"): Idea Generation

Thu, 21 Nov 2024 05:00:00 -0000

Welcome to the Investing for Beginners podcast, where we simplify the world of investing. Today, we explore the PIVOTT framework, a powerful tool for enhancing your investment strategy. Join us as we dive into idea generation, a crucial step for stock pickers at any level, and discover actionable insights to boost your portfolio.

00:00:00 - Introduction to the Investing for Beginners podcast and today's topic.
00:00:52 - Explanation of the PIVOT framework for better investing.
00:01:06 - Breakdown of PIVOT: Portfolio, Idea, Valuation, Observing, Thinking.
00:01:27 - Focus on idea generation for stock pickers.
00:02:12 - Importance of finding unique, undervalued stock ideas.
00:04:32 - Using stock screeners to filter potential investment opportunities.
00:05:48 - Buy what you know: Familiarity as a starting point.
00:10:16 - Observing everyday products for potential investment ideas.

Today's show is sponsored by:

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PIVOT Framework ("P"): Portfolio Management

Mon, 18 Nov 2024 05:00:00 -0000

Welcome to the "Investing for Beginners" podcast, where we explore essential strategies for successful investing. In this episode, we introduce the PIVOT framework, focusing on portfolio management, diversification, and balancing risk and reward to enhance your investment journey.

00:00:00 - Introduction to podcast and unique episode format.
00:00:51 - Overview of the PIVOT framework for investing.
00:01:05 - Focus on portfolio management's vital role.
00:02:00 - Importance of conviction and diversification in investments.
00:03:15 - Buffett's punch card analogy for investment strategy.
00:04:00 - Difficulty in finding multiple great monthly investments.
00:05:01 - Discussion on position sizes and portfolio balance.
00:06:11 - Need for industry diversification in portfolios.

Today's show is sponsored by:

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IFB368: The Role of Stock-Based Compensation in Company Valuation

Thu, 14 Nov 2024 05:00:00 -0000

Understanding stock valuation is crucial for investors. In this episode of the Investing for Beginners podcast, we explore valuation basics, stock-based compensation, and why Warren Buffett emphasizes buying stocks like he buys socks—when they're on sale.

[00:00:50] Introduction to valuation and stock-based compensation concepts.
[00:01:11] Buying stocks means owning part of a business.
[00:01:33] Valuation determines if a stock's price is fair.
[00:02:30] Importance of paying a good price for stocks.
[00:03:16] Warren Buffett buys stocks like socks—when they're discounted.
[00:03:42] Various methods exist for valuing companies.
[00:04:18] Discounted cash flow models project future cash flows.
[00:05:17] Free cash flow models analyze cash flow statements.

Today's show is sponsored by:

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IFB367: Exploring the Future of Payments

Mon, 11 Nov 2024 05:00:00 -0000

In this episode of the Investing for Beginners podcast, Andrew and Dave delve into the payments industry, exploring its significance for investors. They discuss the evolution of payment systems, investment opportunities, and the impact of digital transactions on the global economy.

00:00:50 - Andrew interviews Dave on payments as a financial expert.
00:01:06 - Importance of understanding payments for all types of investors.
00:02:16 - Payments simplify financials, crucial for economic growth.
00:03:44 - Plastic cards dominate payments, replacing checks and cash.
00:08:25 - Digital payments offer better tracking and spending control.
00:11:02 - Global adoption of mobile payments is rapidly increasing.
00:14:28 - Cross-border payments are becoming more efficient and affordable.
00:17:22 - Blockchain technology's potential impact on payment systems discussed.

Today's show is sponsored by:

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Bird's Eye View: Analyzing Google

Thu, 07 Nov 2024 05:00:00 -0000

In this episode of the Investing for Beginners podcast, hosts Andrew and Dave explore Alphabet Inc., the parent company of Google and YouTube. They discuss Alphabet's impressive 19% average revenue growth over the past decade, its competitive advantages, and potential challenges, including legal scrutiny and AI competition.

00:00:51 - Introduction to Alphabet, Google's parent company, and its significance.
00:01:07 - Alphabet's major revenue sources: Google and YouTube.
00:01:28 - Importance of analyzing a company's revenue growth over time.
00:02:26 - Alphabet's impressive 19% average revenue growth over ten years.
00:03:46 - Alphabet's attractive pricing and potential value opportunities. 00:05:01 - Google's services improve lives, offering significant user value.
00:14:11 - Legal challenges: Google's default search status under scrutiny.
00:27:47 - AI's impact on Google: potential risks and opportunities.

Today's show is sponsored by:

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Exploring Investment Strategies with Cedar Grove's Paul Cerro

Mon, 04 Nov 2024 05:00:00 -0000

oin us on the Investing for Beginners podcast as we welcome Paul Cerro, Chief Investment Officer of Cedar Grove Capital Management. Discover his journey from Wall Street to Cedar Grove, and gain insights into his unique investment strategies and market perspectives.

- 00:00:51 - Paul Cerro's background: From Merrill Lynch to Cedar Grove.
- 00:01:18 - Competitive nature drives Paul's passion for stock investing.
- 00:02:22 - Focus on beating the S&P, not other investors.
- 00:03:43 - Investment strategy evolved pre, during, and post-COVID.
- 00:05:18 - Prefers long-term holds with lower volatility for stability.
- 00:06:07 - Discusses IPOs, arbitrage, and special situations strategies.
- 00:09:53 - Arbitrage opportunities arise from price-value dislocations.
- 00:26:47 - Beginners should avoid complex strategies; prioritize comfort level.

Learn more from Paul here:

X: @paulcerro

Substack: Cedar Grove Capital Management

Today's show is sponsored by:

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IFB366: How to Handle Stock Market Losses + More

Thu, 31 Oct 2024 04:00:00 -0000

Welcome to the Investing for Beginners podcast, Episode 366. Today, we tackle two insightful listener questions about navigating stock market losses and strategic investment decisions. We also delve into Crown Castle's business shifts and Google's ongoing legal challenges with the DOJ.

00:00:54 - Listener asks about recovering from pandemic-related investment losses.
00:01:31 - Stocks plummeted; dilemma: top up or exit investments.
00:02:10 - Mistakes are learning opportunities; don't be too hard.
00:03:19 - Importance of mindset in long-term stock market success.
00:05:05 - Strategies for dealing with underperforming stocks.
00:07:04 - Evaluate if stock choices fit your investment style.
00:15:32 - Crown Castle's potential business sales raise investor concerns.
00:28:13 - Google's DOJ issues could impact search engine dominance.

Today's show is sponsored by:

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IFB365: Why 10-Year Revenue Growth Matters for Long-Term Investors

Mon, 28 Oct 2024 04:00:00 -0000

In this episode of the Investing for Beginners Podcast, we explore essential financial metrics that every investor should understand. From market cap and dividend yield to PE ratios and ROI, learn how these metrics can guide your investment decisions and strategies.

[00:00:32] Introduction to financial metrics that matter for investors.
[00:01:00] Explanation of market cap and its investment impact.
[00:05:01] Discussion on dividend yield and total return importance.
[00:08:32] Overview of PE ratio for stock valuation.
[00:12:13] Importance of 10-year revenue growth for company analysis.
[00:16:00] Significance of consecutive dividend raises in stock evaluation.
[00:21:40] Valuation metrics: free cash flow to equity explained.
[00:30:11] Solvency metrics: understanding interest coverage and debt ratios.

Today's show is sponsored by:

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IFB364: P/E Ratios, Value Traps, and Market Analysis

Thu, 24 Oct 2024 04:00:00 -0000

Join us on Investing for Beginners as we tackle listener questions on crucial topics like IRA investing with VA stipends, deciphering debt-to-equity ratios, and understanding key valuation metrics like price-to-book and price-to-sales. Learn practical tips for analyzing company financials and making informed investment decisions.

00:00:51 - 00:01:19: Listener asks about tax implications of investing untaxed VA stipends in an IRA.

00:01:19 - 00:02:12: Andrew explains IRA contributions require earned income, suggests consulting a tax professional.

00:02:27 - 00:03:13: Dave advises consulting a tax professional for personalized advice on IRA contributions.

00:03:34 - 00:04:17: Listener inquires about retirement options for high earners, including backdoor Roth IRA.

00:04:18 - 00:05:07: Andrew suggests consulting a financial advisor due to changing tax laws and personal situations.

00:07:11 - 00:08:20: Listener asks about finding debt-to-equity ratios; Dave suggests calculating from financial statements.

00:08:24 - 00:09:17: Andrew explains debt-to-equity ratio importance in assessing company financial health.

00:21:40 - 00:22:20: Listener asks about ideal P/E ratio; Andrew suggests 15 is too low currently.

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IFB363: How to Start Investing -A Beginner's Guide

Mon, 21 Oct 2024 04:00:00 -0000

Welcome to the Investing for Beginners podcast. In this episode, we're tackling the crucial question: how to start learning to invest. Whether you're a complete novice or looking to refine your approach, we'll explore practical tips, recommended resources, and strategies to help you begin your investing journey with confidence. Let's dive into the world of investing together.

00:01 - Introduction: Discussing how to start learning to invest for beginners

03:30 - Importance of understanding investing is a long-term, emotional journey

05:30 - Utilizing various learning resources: podcasts, YouTube, books, and social media

10:17 - Knowledge compounds over time; start with basics and build gradually

14:16 - Revisiting complex topics later as understanding grows

17:56 - Immersing yourself in investing content, even if not fully understood initially

20:19 - Importance of applying knowledge through writing, teaching, or discussing with others

23:16 - Recommended resources: books, Warren Buffett letters, and analyzing company 10-Ks

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Bird’s Eye View: Alibaba – The E-commerce Giant

Thu, 17 Oct 2024 04:00:00 -0000

Welcome to the Investing for Beginners podcast. Today, we're taking a bird's-eye view of Alibaba (BABA), the Chinese e-commerce giant. We'll explore its business model, financials, and potential risks. Whether you're considering investing or just curious about this tech behemoth, join us as we break down the key factors every investor should know about Alibaba.

1. 00:00 - Introduction to Alibaba (BABA) and initial thoughts on the company

2. 03:45 - Overview of Alibaba's core businesses: e-commerce and cloud computing

3. 05:41 - Discussion of Alipay, Alibaba's super app for various services

4. 10:06 - Analysis of Alibaba's financial performance and growth trends

5. 15:10 - Examination of Alibaba's balance sheet and capital allocation strategies

6. 20:20 - Consideration of Alibaba's company lifecycle and future growth potential

7. 24:26 - Evaluation of risks associated with investing in Chinese companies

8. 28:53 - Final thoughts on Alibaba as an investment opportunity

Today's show is sponsored by:

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IFB362: Why Some Stocks Always Seem Expensive

Mon, 14 Oct 2024 04:00:00 -0000

Welcome to the Investing for Beginners podcast, episode 362. Today, Dave and Andrew explore the concept of competitive advantage period (CAP), a valuation tool associated with Michael Mauboussin. They'll discuss how CAP helps explain why certain businesses maintain higher valuations over longer periods and its implications for investors.

[00:00:32] Introducing competitive advantage period (CAP), a valuation concept associated with Michael Mauboussin's writings.

[01:08] CAP explained: Period where outstanding businesses maintain excess returns due to competitive advantages.

[02:38] CAP helps explain why certain companies have higher valuations for longer periods.

[04:09] Traditional 10-year DCF models may be too short for companies with strong moats.

[06:32] Scale economy shared: A self-reinforcing moat that strengthens as a company grows.

[09:40] Companies like Visa and Mastercard strengthen moats by working with potential competitors.

[15:24] Market may value companies differently based on expected duration of competitive advantage.

[17:42] CAP valuation must be logical; unreasonable growth projections can lead to absurd results.

Today's show is sponsored by:

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Brian Feroldi Explains Why Warren Buffett Thinks EPS is Overrated

Thu, 10 Oct 2024 04:00:00 -0000

Welcome to the Investing for Beginners podcast. Today, we're joined by financial educator Brian Feroldi to discuss Warren Buffett's perspective on earnings per share. We'll explore why EPS might be overrated and dive into the importance of return on capital metrics for investors.

[00:01:14] Buffett's view: Earnings per share is overrated compared to return on capital.

[00:03:21] Four ways to measure return on capital: ROIC, ROE, ROA, and ROCE.

[00:07:03] Simple example: Million-dollar investment illustrates importance of return on capital.

[00:12:28] Discount rate discussion: 10% minimum for individual stock investments.

[00:17:30] Good return on capital ranges: 10-20% decent, over 20% excellent.

[00:20:22] Six phases of company growth, including optimizing for profitability.

[00:24:33] Alcoa example: Low return on capital correlates with poor stock performance.

[00:28:45] Amazon case study: Not yet fully optimized for profits, affecting return metrics.

Find more of Brian here:

Youtube: Long Term Mindset

X: Brian Feroldi

Instagram: Brian Feroldi

LinkedIn: Brian Feroldi

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IFB361: How to Project Revenue Growth in DCF

Mon, 07 Oct 2024 04:00:00 -0000

Learn how to accurately estimate revenue growth in discounted cash flow (DCF) models, a crucial yet challenging aspect of company valuation. Discover techniques to minimize bias and improve accuracy, ensuring your investment decisions are based on solid financial analysis.

00:00:46 - Introduction to DCF

Discussing revenue growth estimation in DCF models.

00:01:07 - Importance of Revenue Growth

Revenue growth is crucial for long-term company valuation.

00:01:27 - Challenges in Estimation

Estimating growth involves bias and guesswork challenges.

00:02:15 - Historical Revenue as a Guide

Use past revenue trends to inform future estimates.

00:02:58 - Base Rates and Expectations

Base rates help set realistic growth expectations.

00:03:41 - Avoiding Overconfidence Bias

Don't overestimate growth beyond historical performance.

00:04:29 - Analyst Estimates as a Check

Compare your estimates with market analyst expectations.

00:05:14 - Using Reinvestment Rate and ROIC

Calculate growth using reinvestment rate and ROIC.

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IFB360: Understanding Margin Calls and Stock Liquidation

Thu, 03 Oct 2024 04:00:00 -0000

Discover what to do when your stocks are automatically sold due to margin calls or account settings. Learn how to prevent unexpected sales and manage your portfolio effectively to avoid future issues.

00:00:38 - Listener Questions Introduction

Addressing concerns about unexpected stock sales and solutions.

00:01:10 - Portfolio Auto-Sell Incident

Listener's portfolio sold automatically, seeking advice on recovery.

00:01:30 - Possible Margin Call Explanation

Insufficient funds may trigger automatic stock liquidation.

00:02:11 - Margin and Leverage Concerns

Investing on margin can lead to forced sales.

00:03:00 - Avoiding Leverage Risks

Avoid using leverage to prevent forced stock sales.

00:03:48 - Long-Term Investment Strategy

Leverage conflicts with long-term investing due to market volatility.

00:05:17 - Learning from Mistakes

Use this experience to reinforce sound investment practices.

00:06:23 - Understanding Margin Accounts

Explanation of borrowing money from brokerages for stock purchases.

00:07:03 - Importance of Cash Reserves

Maintain cash reserves to avoid margin calls and sales.

00:08:12 - Rebuilding After Auto-Sell

Consider starting fresh with a long-term investment mindset.

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IFB359: Mastering Time Management for Busy Investors

Mon, 30 Sep 2024 04:00:00 -0000

Join us in Episode 359 of the Investing for Beginners Podcast as we explore strategies to stay updated on your investments efficiently, balancing your busy life with smart, time-saving techniques.

00:00:51 - Staying Updated Efficiently

Tips for tracking investments without excessive time commitment.

00:01:38 - Use Broker Alerts

Set alerts for company updates and stock movements.

00:02:30 - Leverage Financial Tools

Use APIs and platforms for quick company insights.

00:03:07 - Track Key Performance Indicators

Maintain a spreadsheet to monitor company performance.

00:04:15 - Avoid Sensational News

Focus on reliable sources to reduce emotional reactions.

00:06:30 - Balance Monitoring Frequency

Understand when to check investments and when to relax.

00:09:41 - Analyze New Companies

Efficient methods for evaluating potential investment opportunities.

00:12:14 - Utilize Screeners and Tools

Use screeners to filter and analyze stocks quickly.

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IFB358: How to Define Your Circle of Competence

Thu, 26 Sep 2024 04:00:00 -0000

Join us in Episode 358 of the Investing for Beginners Podcast as we explore the concept of the circle of competence, inspired by Warren Buffett, to enhance your investment strategy and decision-making.

00:00:51 - Circle of Competence Introduction

Understanding your investment strengths and limitations.

00:01:12 - Origin of the Concept

Popularized by Warren Buffett and Charlie Munger.

00:02:25 - Benefits of Knowing Your Competence

Increases success by focusing on familiar areas.

00:03:18 - Risks of Overstepping Competence

Avoid investing in unfamiliar industries.

00:04:21 - Competence Beyond Industries

Includes investment strategies and personal temperament.

00:05:25 - Determining Your Competence

Reflect on past experiences and strengths.

00:08:17 - Expanding Your Competence

Follow curiosity to learn new investment areas.

00:13:49 - Practical Application

Use daily observations to generate investment ideas.

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IFB357: 100% Gains & Handling Losses - A Beginner's Guide to Investing Psychology

Mon, 23 Sep 2024 04:00:00 -0000

Join us as we explore the thrills and spills of investing! We discuss navigating the emotional rollercoaster of 100% gains and the art of bouncing back from losses.

Finding 100% Gainers: The hosts discuss different approaches to finding stocks that could potentially double in value, focusing on sustainable growth vs. rapid price appreciation. (0:01:30 - 0:05:11) - **

Handling Big Gains: They debate the psychological challenges of managing large returns, emphasizing the importance of separating stock price fluctuations from a company's underlying business performance. (0:06:41 - 0:09:39)

Identifying Narrative-Driven Investments: Learn how to discern whether a stock's rise is fueled by hype or strong fundamentals, using social media sentiment and business analysis as indicators. (0:12:08 - 0:13:56)

Coping with Investment Losses: The hosts share strategies for dealing with the emotional impact of losing money, highlighting the importance of learning from mistakes and maintaining a long-term perspective. (0:21:48 - 0:25:58)

Building a Winning Investment Mindset: The episode concludes by emphasizing the need to balance confidence with realistic expectations, accepting that not every investment will be a home run. (0:27:04 - 0:30:04)

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Generative Value's Eric Flaningam: Demystifying Tech for Investors

Thu, 19 Sep 2024 04:00:00 -0000

oin us as we demystify tech investing with special guest Eric Flaningam from Generative Value. Learn how to apply value investing principles to find long-term winners in this exciting sector.

(0:00-1:00) Introduction of guest Eric, a tech-focused value investor. (

1:00-2:00) Why stocks? Eric finds intellectual challenge and future-predicting aspects exciting.

(2:00-3:00) Eric's journey: From small-town Indiana to Microsoft to venture capital.

(3:00-4:00) Early Buffett influence, learning from the greats, and the importance of managing downside risk. (

4:00-5:00) Tech's allure: World-changing potential, intellectual complexity, and historical outperformance.

(5:00-7:00) Applying Buffett's circle of competence to tech, focusing on understanding competitive advantages.

(7:00-9:00) Overcoming tech intimidation: Start with industry research, read extensively, and focus on buyer decisions.

(9:00-12:00) Understanding tech vs. business, the importance of industry primers, and the challenge of competitive landscapes.

(12:00-16:00) Semiconductors and cloud as long-term tech bets, the role of disruption, and learning from history.

(16:00-19:00) How companies view competition, the importance of solving customer problems, and the risk of disruption.

(19:00-22:00) The Innovator's Dilemma: Business model innovation often trumps pure technological disruption.

(22:00-25:00) Investing in the face of disruption, the importance of paranoia and humility, and embracing volatility.

(25:00-29:00) Finding Eric's "quintessential" stock: Amazon as an example of deep competitive advantages.

(29:00-32:00) Why some monopolies fly under the radar: ASML vs. Microsoft and Google.

(32:00-36:00) The case for tech investing: High-quality businesses, long-term growth, and opportunities for outperformance.

(36:00-39:00) Eric's investment process: Focus on identifying wonderful businesses, then wait for the right price. (

39:00-42:00) The long-term advantage: Patience allows capitalizing on market drops and buying great companies on sale.

(42:00-46:00) The AI adoption curve: It's early days, be patient, and expect the unexpected.

To learn more from Eric:

Generative Value

X: @EricFlaningam

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IFB356: Beginner's Guide to High-ROE Investments

Mon, 16 Sep 2024 04:00:00 -0000

Join us for Episode 356 of the Investing for Beginners podcast, where Dave and Andrew explore high-ROI companies with over $2 billion market cap, offering insights into their impressive financial metrics.

[00:00:51] Criteria for Selection

Companies selected have a return on equity (ROE) of 377% or higher.

[00:01:20] Discussion Approach

Dave and Andrew discuss companies off-the-cuff, sharing insights and analysis.

[00:02:01] Understanding High ROE

Exploration of factors driving high ROE, like increased net income or reduced equity.

[00:03:49] Software Companies

Discussion on software companies like GoDaddy and Fortinet with high margins and ROE.

[00:05:28] Operating Margin Expansion

GoDaddy's operating margin expansion boosts earnings, illustrating growth potential.

[00:07:30] Home Depot's ROE

Home Depot's high ROE due to positive equity shift from acquisitions.

[00:10:05] Return on Invested Capital

Importance of using return on invested capital for evaluating capital efficiency.

[00:13:10] Booking vs. Airbnb

Comparison of Booking and Airbnb, discussing growth potential and business models.

[00:19:53] Hotel Franchise Models

Exploration of hotel franchise models like Marriott and Choice Hotels for investment.

[00:26:25] Airbnb's Market Position

Airbnb's appeal to affluent customers and potential growth limitations discussed.

[00:28:36] Colgate-Palmolive's Stability

Colgate-Palmolive's predictable growth and stability make it an attractive investment.

[00:32:11] Low Volatility Stocks

Benefits of investing in low volatility stocks for consistent, long-term growth.

Today's show is sponsored by:

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IFB355: How to Invest in Banks - A Step-by-Step Guide

Thu, 12 Sep 2024 04:00:00 -0000

In this episode of the Investing for Beginners podcast, hosts Dave and Andrew explore the intricacies of investing in banks, discussing their economic significance, profitability, and the complexities of bank terminology and financial statements.

[00:00:50] Why Invest in Banks?

Discussion on the profitability of investing in banks and their substantial role in the economy, comprising a significant portion of the S&P 500.

[00:01:13] Understanding Bank Terminology

Introduction to the unique language of banking and the goal to simplify it for listeners.

[00:01:35] Types of Banks

Overview of different types of banks, including "too big to fail" institutions and regional banks, with examples like JP Morgan Chase and Fifth Third Bank.

[00:03:07] Analyzing Banks

Discussion on starting with simpler, regional banks to build a foundation before tackling more complex institutions.

[00:03:50] How Banks Make Money

Explanation of the basic banking model: taking deposits and making loans, and the concept of interest spread.

[00:06:06] Bank Balance Sheets

Insight into how banks' balance sheets differ from other companies, focusing on deposits as liabilities and loans as assets.

[00:07:57] Income Statements

Breakdown of bank income statements, including interest and non-interest income, and how they differ from companies like Microsoft.

[00:14:05] Loan Books

Importance of understanding a bank's loan book, including types of loans and credit quality.

[00:19:41] Risk Management

Discussion on the risks banks face, such as loan defaults, and how they manage these through provisions.

[00:23:40] Key Metrics

Introduction to important metrics like loan-to-deposit ratio and CET1 for evaluating bank stability and performance.

Today's show is sponsored by:

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IFB354: Analyzing DraftKings: Navigating the Sports Betting Industry

Mon, 09 Sep 2024 04:00:00 -0000

The podcast "Investing for Beginners" episode 354 explores analyzing DraftKings (DKNG) stock, focusing on navigating the highly regulated sports betting industry, growth potential, and investment strategies.

00:00:32 - Introduction to the podcast and listener question about analyzing DraftKings and the sports betting industry.
00:01:31 - Initial reactions to DraftKings, mentioning its app-based platform and involvement in sports gambling.
00:03:18 - Discussion on starting points for analyzing DraftKings, including reviewing their 10K and understanding their business model.
00:05:15 - Importance of visiting the company's website for additional insights.
00:06:09 - Exploration of how DraftKings makes money and the impact of regulations on its operations.
00:09:32 - Strategies for understanding industry regulations and using resources like YouTube, Google, and Reddit for insights.
00:11:01 - Consideration of moving on if a company is not forthcoming with information.
00:12:27 - Building an industry map and identifying competitors like FanDuel and Bet365.
00:14:47 - Using tools like Seeking Alpha and Finviz to compare industry peers.
00:15:16 - Analysis of DraftKings' revenue growth and comparison with competitors.
00:17:03 - Examination of financials, including revenue growth and margins.
00:20:20 - Discussion on the importance of gross margins and potential for profitability.
00:22:26 - Overview of the balance sheet to assess financial strength.
00:23:53 - Consideration of stock-based compensation and its impact on financials.
00:25:13 - Final thoughts on evaluating growth potential and market opportunities.
00:28:09 - Discussion on potential for international expansion and its impact on growth.

Today's show is sponsored by:

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IFB353: Mastering Investment Checklists - A Deep Dive with American Express

Thu, 05 Sep 2024 04:00:00 -0000

Welcome to the Investing for Beginners podcast, episode 353. Today, we explore the power of checklists in investing, using American Express as a case study to highlight their practical application and benefits.

[0:00 - 0:50] Introduction

Welcome to episode 353 of the Investing for Beginners podcast. The hosts introduce the topic of using checklists in investing.

[0:51 - 2:28] Importance of Checklists

Discussion on the significance of checklists in investing, emphasizing their role in avoiding mistakes and ensuring comprehensive analysis.

[2:29 - 9:15] American Express Case Study

The hosts demonstrate how to apply a value checklist to American Express, showcasing its practical use in evaluating a company.

[9:16 - 12:18] Secular Trends and Tailwinds

Explanation of how secular trends can impact investment decisions and the importance of identifying tailwinds for easier growth.

[12:19 - 19:17] Financial Analysis

Overview of key financial metrics to consider, such as revenue growth and profit margins, and their role in the checklist.

[19:18 - 28:37] Competition and Moats

Discussion on analyzing competition and identifying a company's competitive advantage or moat, with examples from American Express.

[28:38 - 40:02] Risks and Management

Examination of potential risks and the importance of evaluating management quality and decision-making.

[40:03 - 53:48] Valuation and Conclusion

Insights into the importance of valuation in investment decisions and a wrap-up of the checklist's benefits, encouraging listeners to apply these strategies.

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Bird's Eye View: Capital Allocation Analysis

Mon, 02 Sep 2024 04:00:00 -0000

Welcome to the Investing for Beginners podcast, episode on capital allocation. Join Dave and Andrew as they explore the importance of capital allocation in investing, discussing its impact on company performance and shareholder returns.

00:00:38 - Introduction to capital allocation and its importance

00:01:26 - Definition and overview of capital allocation

00:04:54 - Discussion of different capital allocation options (dividends, share buybacks, reinvesting, debt reduction)

00:11:05 - Importance of capital allocation and why CEOs often struggle with it

00:15:48 - Metrics for evaluating capital allocation (ROIC, free cash flow, dividend yield, share buyback effectiveness)

00:26:45 - Discussion on debt as a capital allocation strategy 00:29:03 - Examples of companies with good and bad capital allocation practices

00:35:47 - Conclusion and wrap-up

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IFB352: 5 Essential Tools for Researching Industry Connections in Investing

Thu, 29 Aug 2024 04:00:00 -0000

Welcome to the Investing for Beginners podcast, episode 352. Join Dave and Andrew as they answer listener questions about investing strategies, portfolio management, and stock picking in this informative and engaging discussion.

Summary with timestamps:

00:00:00 - Introduction and overview of the episode 00:00:42 - Question about tools and resources for following industry connections 00:08:35 - Discussion on diversifying portfolios with ETFs 00:12:54 - Question about dollar-cost averaging (DCA) strategy 00:19:10 - Balancing retirement and brokerage portfolios 00:21:22 - Question about investing a large sum in a single stock 00:31:27 - Wrap-up and closing remarks

The podcast covers various investing topics, including:

Research tools for understanding industry connections
Diversification strategies using ETFs
Pros and cons of dollar-cost averaging
Managing different types of investment accounts
Considerations for investing a large sum in a single stock

Throughout the episode, Dave and Andrew provide practical advice and personal insights based on their investing experience, while emphasizing the importance of long-term thinking and understanding one's investment goals.

Today's show is sponsored by:

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Compounding Quality: Pieter Sleger's Approach to Identifying Great Businesses

Mon, 26 Aug 2024 04:00:00 -0000

In this episode, we chat with Pieter, founder of the Compounding Quality newsletter, as he shares insights on quality investing, identifying great businesses, and his journey in the world of stocks.

00:00 - 00:07: Introduction of Pieter and his credentials, including his newsletter and book on quality investing.
00:08 - 02:37: Pieter explains why he chose to invest in stocks and shares his early experiences, emphasizing the long-term potential of equities.
02:38 - 07:16: Discussion on Pieter's first stock investment, mistakes he made, and how those experiences led him to educate himself on investing.
07:17 - 12:21: Pieter describes his approach to quality investing, focusing on finding great businesses with healthy balance sheets, led by strong management, and trading at attractive valuations.
12:22 - 15:02: Pieter discusses how he maintains a watchlist of potential investments and his focus on companies with high market caps.
15:03 - 20:49: Detailed discussion on the concept of economic moats, emphasizing the importance of investing in companies with sustainable competitive advantages.
20:50 - 24:04: Further elaboration on pricing power, with examples of companies that have successfully maintained high pricing power.
24:05 - 32:14: Insights into Pieter’s thoughts on return on invested capital (ROIC), its importance in identifying quality investments, and the challenges of disruption in quality investing.
32:15 - 49:02: Pieter's approach to valuation, including how he assesses whether a stock is overvalued or undervalued, using methods like forward P/E comparisons and reverse DCF.
49:03 - 56:56: Pieter discusses his ideal investment, focusing on companies with strong growth, reinvestment opportunities, and aligned management. He also shares his thoughts on the tools and platforms he uses for research.
56:57 - End: Conclusion, with Pieter offering to connect with others interested in quality investing and sharing where to find his resources online.

Learn more from Pieter here:

Compoundingquality.net

X: @QCompounding

LInkedIn: Pieter Slegers

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IFB351: Listener Questions Answered - From Financial Planners to Debt Ratios

Thu, 22 Aug 2024 04:00:00 -0000

In this episode of the "Investing for Beginners" podcast, Dave and Andrew tackle four insightful listener questions, including how to select a financial planner and the importance of debt-to-equity ratios. Tune in for practical advice and expert insights on navigating the world of investing.

00:00 - 00:32: Introduction

Dave welcomes listeners to the "Investing for Beginners" podcast and introduces the episode's focus on answering four listener questions.

00:32 - 02:00: Question 1: Selecting a Financial Planner

Dave and Andrew discuss how to choose a financial planner, including what questions to ask and considerations like fees and investing philosophy.

02:00 - 04:16: Where to Find Financial Planners

Suggestions on where to locate financial planners, such as banks, brokerages, and independent services like Tangerine.

04:16 - 06:38: When to Consider a Financial Planner

The hosts talk about the stages in life when a financial planner might be most beneficial, particularly as you approach retirement.

06:38 - 08:10: James Canola’s Financial Planning Services

A brief mention of financial planner James Canola and the value of his services.

08:10 - 09:30: Introduction to Spotify Q&A Feature

Dave explains how listeners can submit questions via Spotify’s app, which will be answered in future episodes.

09:30 - 13:20: Question 2: Debt-to-Equity Ratio

Andrew explains the debt-to-equity ratio, its importance, and how to interpret it, particularly when it’s above or below 1.

13:20 - 17:30: Why Debt-to-Equity Ratio Matters

Discussion on how debt can impact a company’s growth and profitability, and what to look for when analyzing this ratio.

17:30 - 20:30: Using Debt-to-Equity in Context

Tips on how to analyze the debt-to-equity ratio over time and compare it with competitors to gain better insights.

20:30 - 25:00: Additional Financial Ratios to Consider

Andrew and Dave suggest other ratios like net debt to EBITDA and interest coverage ratio to complement the debt-to-equity analysis.

25:00 - 29:00: Question 3: Investing in Watsco

A listener question about investing in Watsco despite its recent price drop is discussed, with advice on evaluating whether it’s a short-term issue or a long-term problem.

29:00 - 32:10: Understanding Market Sentiment and Stock Prices

The hosts talk about how market sentiment can sometimes disconnect from a company's fundamentals, using Lululemon as an example.

32:10 - 36:00: Reanalyzing Your Portfolio

Andrew shares the importance of regularly reanalyzing stocks in your portfolio to ensure they still meet your investment criteria.

36:00 - 38:30: Separating Noise from Facts

Dave emphasizes the need to focus on a company’s actual performance rather than being swayed by market noise or social media chatter.

38:30 - 42:01: Conclusion

Final thoughts on the importance of having a flexible mindset in investing and avoiding biases. Dave and Andrew wrap up the episode with a reminder to invest with a margin of safety.

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Steady Compounding with Thomas Chua: A Guide to Long-Term Investing Success

Mon, 19 Aug 2024 04:00:00 -0000

In this episode of the Investing for Beginners podcast, Dave welcomes Thomas Chua, the founder of Steady Compounding, to discuss the principles of long-term investing. Thomas shares his journey from discovering investing through books to building a successful investment philosophy centered on steady compounding. Tune in to learn why focusing on the fundamentals, understanding economic moats, and valuing businesses conservatively are key to achieving sustained financial success.

[00:00:46] - Why Invest in Stocks?

Thomas explains why he chose to invest in stocks over other assets like real estate or Bitcoin, influenced by his reading of "Rich Dad Poor Dad."

[00:02:40] - Influential Investing Books

Thomas discusses key books that shaped his investment philosophy, including Warren Buffett’s letters, "One Up on Wall Street" by Peter Lynch, and "The Joys of Compounding" by Gautam Baid.

[00:05:08] - Why Steady Compounding?

Thomas explains the concept of steady compounding and why he prefers this approach to get-rich-quick schemes.

[00:08:38] - Thomas’s Background and Motivation

Thomas shares his personal background, including growing up in poverty, and how it motivated him to pursue financial independence through investing.

[00:11:40] - Pitfalls for New Investors

Discussion on common mistakes new investors make, such as checking stock prices too frequently and getting swayed by market narratives.

[00:17:05] - Investing in Resilient Businesses

Thomas emphasizes the importance of investing in businesses with strong fundamentals and the ability to recover from temporary setbacks.

[00:22:19] - Analyzing Companies

Thomas outlines his process for analyzing companies, including the importance of understanding a company’s total addressable market (TAM) and economic moat.

[00:27:01] - The Importance of Being a Generalist

Thomas argues that being a generalist in investing allows for a broader understanding of multiple factors that contribute to a company’s success.

[00:31:02] - Evaluating Brands

Discussion on the current state of brands like Nike and Starbucks, and the challenges they face in maintaining brand strength.

[00:34:55] - The Role of Valuation

Thomas shares his approach to valuation, stressing the importance of keeping it simple and being conservative with growth projections.

[00:43:43] - Constructing a Portfolio

Insights into how Thomas builds his portfolio, including his strategy of buying in tranches and diversifying across 15-20 stocks.

[00:50:33] - Exciting Investment Opportunities

Thomas talks about his current interest in finding opportunities outside the “Magnificent Seven” and his analysis of companies like PayPal.

[00:52:12] - Writing and Communication Skills

Thomas shares tips on how he developed his writing skills to effectively communicate complex investment concepts.

[00:54:38] - Where to Find Thomas Chua Online

Thomas shares how listeners can connect with him through his website, SteadyCompounding.com, and social media platforms.

Get more from Thomas:

X: @SteadyCompound

Blog: Steady Compounding

Today's show is sponsored by:

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Mastering Money Management: Having the "Money Talk"

Thu, 15 Aug 2024 04:00:00 -0000

In today's episode, Evan joins us to discuss crucial financial concepts that can impact your long-term success. He shares his experience of managing a significant income increase, the importance of proactive financial habits, and the benefits of investing early. Learn about avoiding common pitfalls and making smarter financial decisions. Dive in!

00:00 Treating extra money as essential; avoid overspending.

05:40 Navigating financial education, questioning concepts, discovering investing.

07:52 Avoid short-term, complex trading for long-term growth.

11:27 "Dollar cost averaging: Simple, effective investment strategy."

15:06 Standard savings accounts provide minimal growth opportunity.

17:26 Misunderstanding credit can lead to financial trouble.

21:18 Building credit is important, but not decisive.

24:52 Roth IRA: tax-free, accessible in emergencies. Standard taxable brokerage account: subject to taxes.

27:50 Shift to bonds as retirement nears for security.

32:30 Start small, build habit, secure financial future.

33:44 Find impactful, straightforward financial resource online.

Check out financialbirdsbees.com.

Today's show is sponsored by:

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Investing Lessons from Seven Powers: Analyzing Moats and Competitive Advantages

Mon, 12 Aug 2024 04:00:00 -0000

Hey there, beginner investors! In this episode of The Investing For Beginners Podcast, host Dave explores Hamilton Helmer's "Seven Powers" framework for sustainable competitive advantage. The seven powers include Scale Economies, Network Economies, Counter Positioning, Switching Costs, Branding, Cornered Resource, and Process Power, with real-world examples like Netflix and Amazon.

00:00 Experienced consultant, author, and teacher in strategy.

05:14 Companies gain competitive advantage through superior processes.

09:29 Netflix's growing subscriber base bolstered investment.

10:47 Netflix grows value through data and content.

17:42 Amazon's distribution network and process power unparalleled.

20:56 Microsoft transitioned to cloud, disrupting traditional model.

24:44 Identify indicators early for strong investment choices.

27:21 Diversify portfolio with different growth drivers. Checklist.

28:41 Understanding and analyzing company advantages and impact.

Today's show is sponsored by:

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Exploring the Power of Reading and Thinking with Giuliano Mana

Thu, 08 Aug 2024 04:00:00 -0000

Hey there, beginner investors! In this episode of The Investing for Beginners Podcast, Giuliano Mana from Argentina discusses the importance of reading, building mental models, and applying interdisciplinary wisdom to investing. We explore insights from thinkers like Charlie Munger and analogies between business and nature. Don't miss this enlightening conversation!

00:00 Reading fosters deeper learning than podcasts or videos.

10:17 Leveraging ideas for better living and investing.

11:44 Compete with the mind, embrace simplicity.

20:26 Curious about lack of writings beyond investing.

26:04 Investment community incorporating behavioral economics in analysis.

32:03 Man discovers subconscious memory of Latin name.

38:01 Feynman confirmed no absolute truths in investing.

42:20 Assigning weight to position based on certainty.

47:05 Darwin's idea of natural selection revolutionized science.

51:37 Open-mindedness fosters growth; contrarianism for its sake stifles.

58:53 Understanding investing principles relies on more than repetition.

01:03:56 Importance of understanding and analyzing investment decisions.

01:10:32 Understand companies before investing; some are complex.

01:13:00 Businesses relate to plants' reproductive strategy. Attractiveness for reproduction and marketing.

Learn more from Giuliano here:

X: @Giuliano_Mana

O to 1 in the Stock Market

Today's show is sponsored by:

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Mastering Economic Moats with Matt Cochrane

Mon, 05 Aug 2024 04:00:00 -0000

Welcome to The Investing For Beginners Podcast! Dave and Matt Cochrane discuss the wealth-generating potential of the US stock market, focusing on economic moats in companies like Berkshire Hathaway, Amazon, and Google. Matt emphasizes evaluating moats, track records, and market disruption, sharing tips and early investment lessons for robust strategies.

00:00 Learning finance from books, managing tight finances.

03:20 Users patiently answered basic investment questions, fostering growth.

09:35 Live as if God or stock thrives.

12:04 Economic moat: Competitive advantage protecting company.

15:51 Telephone network effect creates valuable economic mode.

18:12 AWS migrated from Oracle, posing challenges.

23:21 Brand loyalty and value in consumer choices.

26:40 Highly profitable company in Permian Basin, Texas.

29:46 Southwest Washington had successful low-cost flight strategy.

31:52 Analyze company track record, assess competitive moat.

35:28 Efforts to rival Facebook failed, meta's strength.

39:23 City needs big three ratings for bonds.

41:26 Nvidia and Taiwan Semi lead in innovation.

43:54 Tech giants making own chips, consider valuation.

47:04 Praising Brian and the team's fantastic work.

Learn more about Matt here:

X: @TheMattCochrane

Long-Term Mindset Newsletter

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Discover Kris (From Growth To Value) Heyndrikx's Strategies for Identifying and Investing in Multibagger Stocks

Thu, 01 Aug 2024 04:00:00 -0000

Welcome to The Investing For Beginners Podcast! Kris Heyndrikx from Potential Multibaggers shares insights on investing, emphasizing company management and visionary leadership. With a background in linguistics, journalism, and teaching, Kris values reading, writing, and minimizing luck in investing. He discusses companies like Nubank and Shopify as potential multibaggers.

00:00 Inexperienced investor makes mistakes, learns from them.

04:33 Transition from commenter to sought-after writer and advisor.

08:22 Teacher didn't have time, but friend did.

10:54 Average American watches 3 hours of movies.

13:55 I focus on facts, not others' opinions.

19:07 Studying stocks leads to insights in diverse fields.

23:07 People matter in management; CEOs make difference.

26:09 Visionary individuals pursue seemingly impossible, ridiculed goals.

30:25 Unique isn't always that unique; patterns matter.

33:58 Criteria great, Nubank impressed and sold.

35:30 Complicated IPO, podcast insights from industry leaders.

40:45 Focus on winners for long term investing.

41:58 Investing strategy: holding long-term on winners.

45:03 Focus on growing position, especially in Shopify.

48:06 Grateful for input, sharing show notes. Enjoyable conversation.

Find more of Kris here:

X: @FromValue

Substack: Multibagger Nuggets (Free Content)

Podcast: Multibagger Nuggets

Linked In: Kris Heyndrikx

Here's the link with a 2-week free trial and a 20% discount if you stay for Potential Multibaggers. https://seekingalpha.com/affiliate_link/Dave

Find great investments at Value Spotlight

Have questions? Send them to newsletter@einvestingforbeginners.com

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How to Evaluate Stocks as a Beginner with Brian Feroldi

Mon, 29 Jul 2024 04:00:00 -0000

Welcome to The Investing For Beginners Podcast! I'm your host, Dave. Today, Brian Feroldi from Long Term Mindset shares wisdom on stock fundamentals, company moats, and financial statements. Whether you're a novice or seasoned investor, tune in for actionable insights and secrets to successful investing. Check the show notes for more!

00:00 Researching companies using Google and investor relations.

03:15 Quickly assess company info and potential interest.

07:58 Checking inventory, goodwill, and company growth preferences.

12:46 Analyze company's financials for growth and stability.

13:50 Analyze cash flow to assess company performance.

19:15 Customers reluctant to switch vendors, market leadership, low cost operations, brand value.

22:52 New shoe brand, cybersecurity, and streaming markets.

26:47 Customer behavior crucial in evaluating company's success.

28:54 Strong customer relationships, essential recurring revenue.

31:51 Importance of CEO's stock ownership in management assessment.

37:12 Long-term stock performance key for fundamental investing.

38:09 Long-term stock performance tells shareholder value story.

41:21 Free investment checklist with scoring system available.

Learn more about Brian:

X: @BrianFeroldi

Youtube: Long Term Mindset

LinkedIn: Brian Feroldi

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Secrets to Investing Success in Less Trendy Industries With Misfit Alpha

Thu, 25 Jul 2024 04:00:00 -0000

Welcome to The Investing For Beginners Podcast! I'm Dave, and today, special guest Tyler Crowe from Misfit Alpha shares his insights on undervalued stocks. We'll explore investing in less trendy industries like electrical contracting, AI, and more. Tyler also discusses management incentives, mergers, and opportunities in AI and cloud computing. Enjoy!

00:00 Analyzed 7500 companies, found 675 true alphas

04:58 Real estate as investment, with research appeal.

08:36 Many successful companies with common traits.

10:45 Companies with limited competition can generate wealth.

14:54 Management actions impact company success and returns.

17:19 Companies share wealth with all employees, thriving.

21:18 CEO value, compensation, and management's impact summarized.

25:47 Seek simple, undervalued businesses for better returns.

26:57 Company NBR operates with minimal communication and AI.

32:27 Lived abroad, cautious about tech investments, risks.

33:27 Invest in solid, boring businesses, not trends.

39:14 Limited potential in energy and electricity investments.

40:44 Avoid investing in industries you don't understand.

43:54 Large mergers often lead companies to struggle.

48:50 Mergers and acquisitions may not benefit companies.

50:17 Contract research organizations manage pharmaceutical clinical trials.

53:22 Long-term growth in businesses through reliable distributors.

Learn more about Tyler here:

X: Misfit Alpha

Subtack: Misfitalpha.com

Code mentioned on show: Misfitalpha.com/beginners for 25% a subscription

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How You Can Have a Better Relationship with Money

Mon, 22 Jul 2024 04:00:00 -0000

Welcome to The Investing For Beginners Podcast! I'm Andrew, with co-host Dave. Today, we dive into budgeting, financial management, and our Personal Finance Kickstart Program. Learn to prioritize giving, adopt an abundance mindset, and enjoy guilt-free spending. Join us to improve your financial health and achieve freedom. Let's get started!

00:00 Money's importance shouldn't be ignored, taboo.

03:13 Teaching financial empowerment for present and future.

06:24 Shift mindset, manage well, embrace limited resources.

11:36 Prioritize giving first in managing finances.

13:56 Adopt abundance mindset for positive life changes.

18:07 Prioritize relationships and time over money accumulation.

20:07 Financial education lacking in society leads to debt.

24:28 Financial freedom allows for memorable experiences.

28:22 Get answers on personal finance with Dave.

30:23 Wrap-up show emphasizes better money-life balance.

To learn more about how to become a better manager of your money, go here:

Financial Birds Bees

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Back to Basics: Sell Rules

Thu, 18 Jul 2024 04:00:00 -0000

Welcome to The Investing For Beginners Podcast! In "Sell Rules," Dave and Andrew discuss critical stock selling decisions, emphasizing slow, strategic actions and avoiding reactionary choices. They share sell rules, real-world examples, and the importance of understanding company fundamentals and debt management. Tune in for valuable insights on refining your investment strategy.

00:00 Sell negative earnings before company goes bankrupt.

05:06 Buying company involves risk, analysis, and adaptation.

09:23 Disney faces financial challenges due to pandemic.

12:02 Market reactions to dividend changes are significant.

16:14 Meta's potential risk of investment in metaverse.

20:14 CEO capital allocation and long-term performance analysis.

23:18 Debt, reinvestment, regretful stock sale cautionary tale.

26:50 Be mindful of financial red flag numbers.

28:01 Avoid knee-jerk reactions, use sell rules.

31:10 Owen emphasizes safety; have a great week.

Today's show is sponsored by:

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Kyle Grieve Joins Us to Explore the World of Small Cap & Nanocaps

Mon, 15 Jul 2024 04:00:00 -0000

Welcome to "The Investing For Beginners Podcast." Host Dave and guest Kyle Grieve discuss value investing, emphasizing continuous learning, reading, and building investor relationships. Kyle shares his focus on high-quality small and nano-cap businesses, the importance of due diligence, networking, and starting with small investments. Tune in for practical advice!

00:00 Strength training taught discipline and investment principles.

03:33 Discipline and mind key to investing success.

08:52 Reading broadly, deeply, and using knowledge daily.

09:58 Book on investment and risk, impactful read.

15:49 Talked with Chris Mayer about outperforming small businesses.

19:02 Connecting with nanocap CEOs can yield insights.

22:17 Researching stocks, found solution using interactive brokers.

24:23 Finding investment ideas without screening, using network.

27:55 Explore, learn, expand, and push your limits.

30:42 Questioning decision-making on investment and understanding limits.

33:16 Focus on understanding business, before investing.

38:38 Underrated mastermind groups unite investing enthusiasts.

40:07 Value of community in self-awareness and growth.

43:33 Following Kyle on podcast, Twitter, LinkedIn beneficial.

Learn more from Kyle here:

X: @IrrationalMrkts

The Investor's Podcast Network

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Back to Basics: All About Moats

Thu, 11 Jul 2024 04:00:00 -0000

Welcome to "The Investing For Beginners Podcast"! In today's episode, hosts Dave and Andrew explore competitive advantages and business moats. They discuss strategies of Costco, Amazon, and Microsoft Azure, examine switching costs with banks and Intuit, and highlight intangible assets using Starbucks and Coca-Cola as examples of brand power.

00:00 Stock pickers may ignore moats; long-term investors need them.

04:55 Economies of scale drive business profitability, efficiency.

07:07 Costco's scale economy share drives customer loyalty.

10:03 Different kinds of moats create competitive advantage.

13:12 Jack Henry provides essential banking infrastructure software.

17:17 Brand power key to company success, examples.

19:56 Network effect: Value grows as users increase.

24:17 Texas Instruments scales production, offers low-cost products.

28:21 Consider price and longevity when investing wisely.

29:28 Markets change, nothing lasts forever, historical evidence.

Today's show is sponsored by:

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Understanding Investment Frameworks: Jeff and Jason’s Ideas from Investing Unscripted

Mon, 08 Jul 2024 04:00:00 -0000

Welcome back to The Investing For Beginners Podcast! Join Dave, with special guests Jeff and Jason from Investing Unscripted, as they explore diverse investment strategies. We'll cover spreadsheet analysis, cash flows, market trends, and the psychology of investing. Learn from their personal journeys and gain practical insights to make informed financial decisions. Enjoy the show!

00:00 Struggling with when to decide on companies.

03:45 Investors face tough decisions, different answers needed.

07:53 Material info drives investment decisions, monitor quarterly.

09:47 Research, learn from experts, diversify, acknowledge ignorance.

14:29 Planning for market volatility in investing strategy.

19:08 Monitor stock value, consider historical performance.

20:05 Reassessing stock value with AI's future impact.

25:01 Pattern seeking humans struggle in complex markets.

29:10 Brief process: choose interesting, not boring stocks.

31:45 Monitor trends, understand KPIs, follow management.

35:29 Auto industry, except Tesla, not profitable investment.

38:49 Both processes seek same things differently visually.

42:12 Monthly podcast, portfolio on Savvytrader.com, newsletter.

44:03 Professionals struggle too but learn from mistakes.

Today's show is sponsored by:

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Want more of Jeff and Jason? You can find them here:

The Investing Unscripted Podcast and Newsletter

Twitter: @InvestingPod

| Watch: http://YouTube.com/@investingunscripted…

Listen: https://podcasters.spotify.com/pod/investing-unscripted…

Read: http://investingunscripted.com

Jeff's Twitter Handle: @marketmusician

Jason's Twitter Handle: @TheSmattering

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Back to Basics: Ranges of Outcomes in Investing

Thu, 04 Jul 2024 04:00:00 -0000

Welcome back to The Investing For Beginners Podcast! Dave and Andrew explore the range of outcomes in investing, focusing on different companies and industries' risk and reward levels. We'll discuss strategies, tech startups, total addressable markets, and high-risk ventures like DraftKings. Join us for insightful investment guidance. Let's dive in!

00:00 High risk, high reward in early stages.

06:35 Founder's ambition affects capital allocation and success.

07:36 Thoughts on young company industries and growth.

12:41 Analyze risk and rewards for business success.

15:55 Investor bought cheap stocks, used shotgun approach.

19:37 Struggling with stock choices and valuations.

25:21 Uncertain about future of online gambling in US.

29:23 Mature companies have stronger barriers to entry.

31:15 Entry barriers challenge, creating big financial obstacle.

Today's show is sponsored by:

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Insights on Selling Stocks and Evaluating Management from Brett and Ryan of Chit Chat Stocks

Mon, 01 Jul 2024 04:00:00 -0000

Welcome to The Investing For Beginners Podcast! Today, host Dave is joined by Brett and Ryan from "Chit Chat Stocks." They discuss knowing when to sell a stock, evaluating management, and avoiding red flags like accounting issues. Brett and Ryan share their refined investment process, including research, financial metrics, and gut feelings. They emphasize learning from mistakes, gradual investment building, and continuous learning. Topics include Brett's three-step research process, Ryan's cautious investment approach, and the impact of management on stock performance. Tune in for valuable insights and strategies for better investment decisions.

00:00 Finding stock ideas through various sources and research.

06:16 Start with basics, understand company and business.

10:59 Analyze revenue growth, KPIs, valuation for companies.

18:37 Focus on few sectors you understand well.

24:17 Understanding industry takes patience, but profitable potential.

27:22 Learn, gather, understand, share, and improve.

35:20 Not into clutter, prefer gradual investment growth.

40:18 Assess company actions, CEO control, and incentives.

46:45 Investor day goals, executive metrics, shareholder caution.

49:53 Wells Fargo culture encouraged aggressive sales tactics.

54:25 Valuable products gaining industry share, selling strategically.

01:00:17 Listen to Chit Chat Stocks podcast. Available everywhere.

To learn more from Brett and Ryan:

Chat Chat Stocks Podcast

Brett on X @CCM_Brett

Ryan on X @CCM_Ryan

Today's show is sponsored by:

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Back to Basics: Opportunity Costs in Investing

Thu, 27 Jun 2024 04:00:00 -0000

Welcome to The Investing For Beginners Podcast with Dave and Andrew. In today's episode, "B2B Opportunity Costs," they explore the concept of opportunity costs in investing. Using real-world examples, they discuss choosing between stocks and S&P 500 index funds, and evaluating savings account interest rates. Dave shares strategies inspired by Uncle Warren, emphasizing conviction in portfolio management, while Andrew highlights portfolio decisions and position sizing. They stress aligning investments with personal goals, tracking KPIs, and using company filings for crucial updates. Learn why assessing opportunity costs can enhance long-term returns and make smarter investment decisions. Tune in for valuable insights!

00:00 Investing has risk and opportunity cost considerations.

03:11 Investment decisions require careful consideration and analysis.

08:43 Monitoring business changes: qualitative and fact-based.

10:31 Rising costs impact profitability and competitive advantage.

14:27 Monitoring KPIs for business growth and stability.

20:00 Record reasons for buying, avoid impulsive trading.

24:38 Evaluate portfolio turnover to manage investment decisions.

26:06 Modeling mentor behavior. Focusing on key portfolio positions.

32:01 Investor focuses on sound decisions, not hype.

33:04 Consider opportunity costs when pursuing your goals.

Find great investments at Value Spotlight

Have questions? Send them to newsletter@einvestingforbeginners.com

DCF Demystified Link

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Digging Into Semiconductors: Analyzing Skyworks with Tyler Nash

Mon, 24 Jun 2024 04:00:00 -0000

In this podcast episode, Tyler Nash discusses his investment in Skyworks, a semiconductor company linked to Apple. He highlights opportunities, risks, financial performance, and market dependencies. Comparisons to competitors like Texas Instruments and Qualcomm are made, along with broader semiconductor industry risks. The episode also covers investment strategies and long-term financial goals.

00:00 Skyworks: semiconductor company crucial for future technology.

05:28 High revenue reliance on Apple presents concerns.

08:42 Long-term investment strategy crucial for company assessment.

11:15 Understanding industry moats can be challenging.

12:28 Skyworks successful partnership with Apple valued.

16:18 Expansion into electric cars and IoT technology.

21:04 Buyers consider performance and bulk availability differences.

23:07 Preparing for long-term financial security with family.

25:33 Confident in holding for good dividends, reinvestment.

29:12 Considering confidence when deciding how much.

35:45 Evaluating risk and comfort with potential fluctuations.

37:51 Getting too confident in the market humbles.

39:54 Join our group, reach out to Dave.

43:01 Thank you, Tyler. This was awesome! Goodbye.

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Back to Basics: Avoiding Financial Statement Yellow Flags

Thu, 20 Jun 2024 04:00:00 -0000

In this podcast episode, Andrew and Dave discuss "yellow flags" in investing, such as leadership changes, negative events, financial concerns, and slowing revenue growth. They use real-world examples like PayPal, Microsoft, and Square to illustrate the impact on company trajectory and emphasize the importance of observing these indicators for informed decisions.

00:00 Yellow flags could lead to deeper issues.

04:53 Management's job is to allocate capital effectively.

07:39 Gross margins signal company strength and advantage.

12:52 Management's choices, companies as serial acquirers.

15:11 Google's history of strategic acquisitions discussed briefly.

19:28 Competitors pulling ahead, be vigilant and proactive.

23:22 Concern about trend in grocery store performance.

25:53 Changing company mindset and culture takes time.

27:32 Change takes time, need patience for success.

32:01 Management avoiding tough questions raises significant concerns.

34:32 Honesty and accountability build trust with stakeholders.

39:08 Consider impact of employee incentives on shareholders.

41:31 Leaders' diverse backgrounds impact business success profoundly.

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IFB350: Investing Abroad - Understanding TSMC, Geopolitical Risks, and Foreign Companies

Mon, 17 Jun 2024 04:00:00 -0000

Welcome to Episode 350 of The Investing For Beginners Podcast! Today, Andrew and Dave delve into the intriguing world of international and tech investments. We'll kick things off by addressing a listener's question about investing in foreign companies and the unique challenges it presents, using TSMC's ADR as a case study. We’ll explore the impact of geopolitical factors, differing accounting standards, and cultural nuances.

Next, we shift gears to discuss the tech and energy sectors, focusing on the rising demand for cloud computing and green energy infrastructure. We'll highlight Microsoft's collaboration with Brookfield Asset Management, Georgia's new nuclear facilities, and the US's electricity infrastructure needs. Plus, we'll predict the future landscape of cloud powerhouses like AWS, Microsoft Azure, and Google Cloud Platform, and debate whether chip manufacturers like TSMC or AMD may get crowded out.

We'll also tackle the controversial topic of investing in Palantir, diving into its high PE ratio, stock-based compensation, and Dave's evolving perspective on its potential. Wrapping up, we'll consider the opportunities and risks of investing in the burgeoning cloud industry, from data centers to power back-ups.

Stay tuned for an insightful episode packed with expert advice on navigating the complex terrains of international and tech investments!

00:00 Consideration of different accounting standards in global business.

03:19 Understanding cultural differences crucial for international investing.

07:02 High PE means more risk, but depends.

10:08 Palantir's potential growth and stock volatility explained.

14:48 Comparing computing power: AWS vs Azure.

18:11 It's hard to pick a winner. Invest wisely.

21:08 Data centers expanding for faster customer access.

25:29 US infrastructure needs significant investment for improvement.

26:33 Interest in learning tech and energy related areas.

29:47 Emphasize safety while investing. Have a great week!

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Back to Basics: Understanding Efficient Markets for Beginners

Thu, 13 Jun 2024 04:00:00 -0000

[00:00:00] – Welcome to another episode of the Investing for Beginners Podcast. In today's installment of our "Back to the Basics" series, hosts Andrew and Dave dive into the topic of efficient markets. What exactly is the Efficient Market Hypothesis, and how does it influence your investment strategy? Our hosts break down the theory, explore its origins, and debate its real-world implications. Is the market always right? Can savvy investors still find hidden opportunities? From historical market reactions to contemporary examples, Andrew and Dave unpack how market emotions and behaviors can sometimes disrupt the "efficient" pricing of stocks. Whether you're new to investing or looking to sharpen your skills, this episode provides valuable insights on navigating efficient markets and seizing those elusive investment opportunities. Tune in and discover how to enhance your investing acumen with practical tips and strategies.

00:00 Efficient market theory says it all - no edge.

05:34 Apple's growth not necessarily future indicator. Opportunities in motions getting out of whack.

09:07 Crowds' wisdom helps stock market with emotions.

11:57 ETFs offer various stock baskets for investors.

13:34 Hot sectors attract money, driving market returns.

17:19 Embrace dollar cost averaging to amplify returns.

21:21 Investing requires patience, strategy, and valuation knowledge.

23:52 Series wrapping up, back to basics investing.

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IFB349: Stock Splits, Diversification, and European Markets

Mon, 10 Jun 2024 04:00:00 -0000

Welcome to Episode 349 of the Investing for Beginners Podcast! In this episode, Dave and Andrew delve into the fascinating world of investing, addressing listener questions on topics ranging from stock splits to portfolio diversification. They share insights on maintaining interest in investing, the impact of liking the players in your portfolio, and the importance of finding what works best for your individual time commitments. Stay tuned as they discuss the upcoming stock split for Chipotle, the European stock market, and the structure of a novice investor's journey. Plus, valuable advice on diversifying investments, moving into ETFs or index funds, and maximizing returns. Let's dive into this episode filled with informative content for all levels of investors.

00:00 Gradually sold Wells Fargo stock, reinvested profit.

05:48 Consider VTI or SPY for investments.

09:18 Maximizing returns depends on stock diversification.

10:13 Diversify portfolio, expect performance variations over time.

14:13 Beginners should focus on investing more money.

19:13 Timing of stock purchase doesn't significantly matter.

22:35 Missed deadline; impact of trading options.

23:58 Agree on reasons, maybe also cynical motives.

29:29 Prioritized investing based on life stage, adjusted routines.

31:20 Building knowledge through consistent dedicated time management.

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Back to Basics: The Best Way to Read a 10k

Thu, 06 Jun 2024 04:00:00 -0000

Welcome to The Investing For Beginners Podcast! In this episode titled "How to read a 10-K," Dave and Andrew dive deep into the world of annual reports, discussing the critical role a 10-K plays in helping investors understand a company's performance and risks. They share their approaches to navigating complex financial information, filtering companies based on key indicators, and the importance of understanding different business metrics. From deciphering cash flow statements to uncovering potential blind spots in company risks, join our hosts as they unravel the intricacies of reading and analyzing 10-K reports. Learn how experience, note-taking, and deep thinking can empower you to make informed investment decisions as they explore the fundamental elements of company analysis. Stay tuned for invaluable insights on investing practices and techniques that can enhance your investing journey.

00:00 Publicly traded companies require 10-K for transparency.

04:47 Approach company analysis by focusing on revenue.

06:39 Using Finchat, I evaluate company financials.

10:14 Long-time user biased by positive experiences.

13:43 Focus on cyclical companies, especially John Deere.

17:38 Company focus on tech; understand key aspects.

21:46 Evaluate Netflix using shortcuts, like Finchat and Quickfs.net, plus cash flow deductions.

25:20 Netflix revenue segmented by geography, US growth.

28:32 Analyzing KPIs, creating more questions, educational experience.

30:13 Writing things down helps learn and retain.

34:19 Analyzing company's debt and potential future issues.

37:05 Analyze company checklist, research, and evaluate competitors.

40:35 Time spent thinking crucial for successful investing.

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Scott Hanson on Fiduciary Responsibility and Financial Planning for Beginners

Mon, 03 Jun 2024 04:00:00 -0000

Welcome to "The Investing For Beginners Podcast." In today's episode, we welcome Scott Hanson, co-founder and vice chair of Allworth Financial. As a fiduciary advisor with extensive experience in financial planning, Scott provides valuable insights on several key topics.

We'll discuss recent Department of Labor regulations emphasizing fiduciary responsibilities for 401k plans, the shift in retirement trends, and the evolving landscape of financial advising. Scott will explain why smaller investors should consider subscription or fee-based models and the importance of comprehensive financial planning with a tax perspective.

We'll also cover the changing concept of retirement, the critical role of 401k savings, and why Social Security should not be your sole retirement plan. Additionally, Scott will share tips on properly vetting your financial advisor and the importance of building a trusting relationship.

Whether you're starting your financial journey or refining your investment strategies, this episode is packed with actionable advice and industry insights. Tune in as we explore these crucial topics and more with Scott Hanson.

00:00 Surround myself with smart people, seek growth.

03:55 Conflicts in financial product distribution and commissions.

07:37 Advisors should act as fiduciaries at all times.

12:01 New financial planning model includes various fees.

13:53 Building trust in relationships crucial for financial advice.

17:32 No free lunch, watch insurance company claims.

22:02 Iras require fiduciary management; game changing.

23:34 Financial advisors help achieve goals through planning.

26:57 Young financial advisors need people skills, persuasion.

31:29 Gut feeling: Benefits to wealthy will decrease.

33:24 Financial independence ideal, retirement evolving, work options.

37:38 Personal responsibility crucial for financial security, government assistance.

40:00 Assisting with financial planning and mentoring new advisors.

Learn more about Scott and his firm here:

Allworth Financial

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Back to Basics: Essential Portfolio Maintenance for Investors

Thu, 30 May 2024 04:00:00 -0000

Welcome to "The Investing For Beginners Podcast!" In today's episode, "Portfolio Maintenance," hosts Andrew and Dave explore strategies for building and maintaining an investment portfolio. They address the market's unpredictability and the difficulty of forecasting leading companies, emphasizing the importance of considering age, time horizon, and risk tolerance. They discuss balancing growth potential with risk, especially nearing retirement, and highlight the dominance of tech giants like Google and Apple.

The hosts also share insights on owning low-growth companies, tax considerations when selling stocks, and the risks of investing in young industries. Drawing from personal experiences, Andrew and Dave stress understanding the businesses you invest in and avoiding sectors outside your expertise. Part of the "back to the basics" series, this episode offers wisdom to help you make informed investment decisions. Tune in for practical tips and thought-provoking discussions on portfolio maintenance!

00:00 Building a portfolio requires strategic future planning.

05:08 Diversify investments based on company maturity and risk.

07:23 "Retirement: Less risk, more bonds, seek advice."

13:49 Investing in mature companies with slow growth.

17:30 Big tech dominates stock market, future unclear.

18:21 Importance of company size in investment decisions.

22:43 Maximize growth by sticking with high performers.

27:19 Adjust portfolio based on lifecycle and goals.

30:11 Seek guidance from experienced individuals and companies.

31:22 Value spotlight offers support and guidance.

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IFB348: The Art of Stock Picking - Expectations and Realities

Mon, 27 May 2024 04:00:00 -0000

In Episode 348 of The Investing for Beginners Podcast, hosts Dave and Andrew explore various investment topics, including the impact of electric vehicles and stock buybacks with examples like Autozone and Nvidia. They discuss the advantages of small investments for compounding benefits, transitioning from specific retirement accounts, and understanding tax implications. The episode emphasizes the importance of mindset in investing, acknowledging that learning from mistakes is part of the journey, catering to both new and seasoned investors looking to enhance their strategies.

00:00 Investing book recommendations include "Happier" and "Warren Buffett Way."

06:22 Consider self directed brokerage account vs. 457.

08:00 Focus on investor goals, consider tax implications.

11:32 Approach stock picking with a growth mindset.

15:37 Uninterested in company due to lack of interest.

20:25 Businesses can surprise with sudden growth opportunities.

22:45 Adapt to circumstances, save, budget for stability.

26:32 Seeking Alpha, company website, beginner books, resources.

28:52 Focus on value, not just price comparisons.

32:11 Autozone retail stores avoid significant disruption, unlike tech.

34:49 Investing in uncertain markets: no sure thing.

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Back to Basics: Effective Tools for Tracking Your Investment Performance

Thu, 23 May 2024 04:00:00 -0000

In this episode of The Investing For Beginners Podcast, hosts Dave and Andrew discuss how to manage investment portfolios effectively while avoiding market noise. They offer strategies for monitoring investments over time, using tools like Seeking Alpha and Bamsec for updates, and setting up company alerts for firsthand information. The discussion emphasizes focusing on essential data and introducing deliberate pauses in decision-making to avoid impulsive reactions, aiming to help both new and experienced investors concentrate on long-term gains.

00:00 Track company shares, events, and recommendations.

06:07 Skim annual report, focus on management remarks.

07:21 Checking stock market daily for entertainment, caution.

11:50 Assessed business sustainability during lockdown, waited to sell.

16:33 Balancing portfolio awareness without overreacting emotionally.

18:46 Gathering data leads to better investment decisions.

23:00 Struggling to resist influence from media and peers.

24:10 Focus on ten k and occasional ten q's for updates.

28:28 User prefers Finchat over seeking Alpha app.

30:36 Emphasize safety in your investment. Have a great week!

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IFB347: Listener Q&A - Exploring Amazon’s Stake in Rivian and Strategic Investment Insights

Mon, 20 May 2024 04:00:00 -0000

Welcome to episode 347 of The Investing For Beginners Podcast! Today, hosts Andrew and Dave discuss key investment topics for all levels of investors. We’ll start by examining the importance of SIPC insurance in protecting investments and the strategy behind holding multiple IRA accounts. We'll then discuss transitioning from growth to dividend-paying stocks as retirement approaches, exploring the benefits and risks.

Next, we'll analyze a company with less than 1% revenue growth over the past decade, discussing its viability as a bond substitute or income-generating asset considering its slow dividend growth and steady free cash flow. We'll delve into company life cycles, spotlighting Watsco and using Berkshire Hathaway as an example to explain complex financial concepts.

We wrap up with a look at 3M’s financial challenges and what they mean for investors. For more resources and insights, visit einvestingforbeginers.com. Join us to enhance your investment strategy and decision-making.

00:00 FDIC insures your money up to $250k.

04:12 This doesn't cover losses in your investments.

08:07 Focus on overall financial picture for retirement.

10:11 Invest in growth stocks, consider future dividends.

13:14 Consider market diversification for long-term security.

17:53 3M stock underperforms market with flat revenue.

22:20 Investment approach and types of investors discussed.

24:15 Company needs to reinvigorate business to grow.

26:23 Lesson learned: be vigilant with financial statements.

30:00 Watsco owns 80% of store, affects finances.

33:49 Amazon trucks easy to use and efficient.

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Back to Basics: Essential Tools for Investors

Thu, 16 May 2024 04:00:00 -0000

Welcome to another episode of The Investing For Beginners Podcast. I'm your host, Dave, joined by Andrew. Today, we're exploring essential tools every stock picker needs, from Excel to advanced platforms like Bamsec and Finchat IO. We’ll discuss how these tools aid in understanding business operations, verifying financial data, and making informed investment decisions.

Andrew and I will share our experiences with tools like Excel and the Little Package Evaluation for financial analysis and valuation. We'll also discuss diversifying investment idea sources, from financial statements to social media insights from Twitter and Substack.

Today’s goal is to show you how to use these tools to understand a company's revenue generation and its potential as an investment. Whether you’re generating new investment ideas or refining strategies, this episode offers valuable advice to enhance your investing skills. Tune in to learn how to leverage these tools to advance your investment acumen.

00:00 Google helps understand businesses with tools.

05:03 Visualizing helps me understand complex concepts better.

08:58 Comparing company revenues requires adjusting for scale.

12:42 Consider investing in companies with Finviz.com.

13:32 Investment ideas from blogs and newsletters save time.

18:09 Discover investment ideas through investor portfolio analysis.

22:12 Substack offers more free content but limited information.

24:15 Use dollar sign and capital ticker symbol.

28:48 Excel simplifies financial analysis; valuable tool.

32:26 Discounted cash flow models determine future cash worth.

35:34 Estimate revenue and terminal growth rates realistically.

37:50 Comparison of financial analysis tools and platforms.

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Bird's Eye View: Reddit IPO

Sun, 12 May 2024 04:00:00 -0000

Welcome to a fascinating new episode of The Investing For Beginners Podcast! Today, your hosts Andrew and Dave will dive into the much-anticipated IPO of Reddit. As seasoned investors who typically steer clear of IPOs, they find it intriguing to unpack Reddit’s introductory documents to better understand its financial health and strategic direction. Throughout the episode, they'll explore Reddit’s user engagement and compare its financial metrics, like the Average Revenue Per User (ARPU), with those of other social media giants such as Facebook and Twitter. Despite the challenges in evaluating a fresh IPO like Reddit, they’ll dissect the S-1 document, spotlight the company's R&D allocations, and discuss the implications of its user base growth potential. Whether you’re a potential investor or just curious about Reddit’s next steps in the public sphere, this episode will equip you with key insights into making more informed investment decisions. Stay tuned as Andrew and Dave weigh the risks and opportunities that come with investing in an IPO, all while emphasizing the importance of a margin of safety.

00:00 Investing for Beginners podcast analyzes Reddit's recent IPO.

03:29 IPO: Company goes public, anyone can buy.

08:48 Public companies need proven track record, growth runway.

11:17 Reddit offers intellectual engagement, less aimless scrolling.

15:29 Comparing Facebook and Reddit's business monetization strategies.

18:46 Concerns about Reddit's future growth and profitability.

20:47 Muted response to Reddit going public discussed.

23:29 Good revenue growth, high R&D spend. Concerns.

29:20 Reddit has loyal user base, lacks investor appeal.

32:21 Discussion on IPOs, Reddit's IPO, and investment.

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Back to Basics: Using Time Horizons to Your Investment Advantage

Thu, 09 May 2024 04:00:00 -0000

Welcome back to another episode of The Investing For Beginners Podcast. Today, hosts Dave and Andrew dive deep into the individual investor's unique advantage over the professional sphere, focusing on the power of time horizon. Tune in as they unravel how personal investment goals differ fundamentally from institutional objectives, and how that structural freedom can lead to superior long-term results. They'll also discuss the inherent disadvantages faced by fund managers, constrained by short-term performance pressures and large capital inflows and outflows. Whether you're new to investing or looking to refine your approach, this episode is packed with insights on leveraging time to enhance your investment strategy, understand market dynamics, and discover why sometimes, the best action is no action at all. Join us as we explore how playing a different game than institutional investors can be your biggest advantage.

00:00 Investing with different strategy, focusing on growth.

06:06 Funds judged on performance, affect inflows/outflows.

09:43 Market forces drive stock ownership patterns.

13:24 Focus on long-term value, not market timing.

16:43 Investing doesn't have to be complicated, stressful.

19:53 Hidden gems in smaller market cap companies.

22:43 Microcap investing doesn't require style change.

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IFB345: Listener Q&A - How to Utilize the 4% Rule for Lasting Wealth

Mon, 06 May 2024 04:00:00 -0000

Welcome back to The Investing for Beginners Podcast. In today's episode 345, we're tackling your pressing questions on making the most out of your investments and preparing for a comfortable retirement. First off, a big shoutout to Enrique, one of our long-time listeners, for a thought-provoking query on the 4% rule and the smartest withdrawal strategies for a sustainable retirement. Also, Enrique, Andrew truly appreciates your marathon training tip—yes, he survived the race! Then, we move on to Martin's dilemma about the staggering expense charges on his educator 403B account. You'll get our take on navigating the world of fees that could chip away at your nest egg and explore alternative investment strategies that align with your financial future. Are hefty fees eating into your retirement funds?

00:00 4% rule: living from stock market gains.

04:15 Consider tax implications when managing retirement accounts.

07:26 Retirement planning expert can improve financial outlook.

10:03 IRA comes in two flavors for taxes.

13:59 Max out Roth IRA, consider long-term fees.

15:56 Watch out for high expense ratios when investing.

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Back to Basics: Portfolio Sizing and Diversification Strategies

Thu, 02 May 2024 04:00:00 -0000

Dave: Welcome, listeners, to The Investing For Beginners Podcast. Today's discussion, "Back to the Basics" delves into the intricacies of portfolio sizing and diversification.

Andrew: We'll explore traditional and contemporary thoughts on portfolio structure, the role of diversification, and the influence of market trends on investment choices.

Dave: Plus, insights on position sizing: when to start small, when to increase, and how to manage your investments within your circle of competence.

Andrew: We'll be sharing our own portfolio experiences, addressing the balance between knowledge and market unpredictability.

Dave: Join us for this and future episodes as we guide you through the investment landscape with a margin of safety as your compass.

00:00 Build diversified portfolio, balance exposure, avoid risk.

04:59 Manageable portfolio size: 15-20 companies, 5% per stock.

08:00 Consider portfolio diversity, own what you understand.

12:10 Portfolio strategy: comfort, familiarity, and company growth.

14:11 Suggest considering concentration versus smaller position sizes.

18:05 Diversified portfolio aiming for around 25 companies.

21:05 Unsure about investing, knowledge may hinder decisions.

24:33 Being aware of market trends is crucial.

26:42 Be aware of IPOs like DoorDash's.

30:34 Knowledge leads to bigger investment opportunity.

33:00 Have a great week, talk to you!

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IFB344: Understanding Business Cycles and Fundamentals

Mon, 29 Apr 2024 04:00:00 -0000

Welcome to episode 344 of The Investing For Beginners Podcast. I'm your host Dave, joined as always by Andrew. Today, we're diving deep into investment strategies tailored for beginners and seasoned investors alike. Our focus takes a sharp turn towards industries that are often overlooked due to pessimism but may offer valuable opportunities for the mean-reverting cyclical trends.

00:00 Beginner's podcast praised, planning brokerage investments, seeking advice.

04:31 Buy partial shares; bypass need for full shares.

07:05 Buy more shares of familiar, strong companies.

10:22 Simplicity in stock screening can yield ideas.

13:15 Choose low-expense index funds for better returns.

17:32 Common stock valuation metrics depend on context.

19:52 Understanding insurance terms is crucial for valuation.

24:47 Buying in pessimistic industry, reversion to mean.

28:29 Read financials, analyze earnings calls for insight.

29:19 Encouraging thanks for questions, keep sending them.

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Back to Basics: Identifying Value Traps and Bankruptcy Signals

Thu, 25 Apr 2024 04:00:00 -0000

Welcome to a new episode of The Investing For Beginners Podcast where we continue our engaging Back to the Basics series. Join us every Thursday for insightful discussions on foundational investment topics. This week, we dive into the murky waters of bankruptcies and value traps, helping you navigate these treacherous scenarios in the investing world. Hosts Dave and Andrew, our resident bankruptcy expert, bring their knowledge to the forefront, illuminating what bankruptcy really means for investors, how to spot value traps, and strategies to protect your portfolio from total loss. Whether it's assessing interest coverage ratios or scrutinizing revenue trends, they're here to provide the tools you need to invest with a margin of safety.

00:00 Stock ownership risky, bondholders get priority in bankruptcy.

03:44 Enron scandal's impact on stock market fears.

09:00 Debt management crucial for company financial health.

10:57 Interest coverage ratio measures company's ability to pay.

14:12 High dividend yield, declining revenues, negative earnings.

18:11 GameStop and Macy's face declining revenue.

20:49 Start with simple rules, then dive deeper.

23:22 Develop checklist for better investment decision-making.

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IFB343:Investing in Nvidia and Tech's Value Chain - Risks and Opportunities

Mon, 22 Apr 2024 04:00:00 -0000

Hello and welcome to The Investing For Beginners Podcast, episode 343. I'm Andrew, with my co-host, Dave, and today we delve into the prudent world of investing with a margin of safety.

In this episode, we'll unveil the robust characteristics of stable companies that offer consistent dividends, exploring their often overlooked but critical role in a balanced portfolio. We discuss the allure of Nvidia, a tech titan whose stock value surge sparks a debate on valuation and investment strategy.

We examine the wisdom of paying premiums for stalwart companies like Microsoft and Visa and share our perspectives on the steadfast dividend aristocrats and kings, which many income investors favor for their reliable performance.

00:00 Invest regularly, avoid timing the market.

06:35 Challenging to evaluate stock with emotional attachment.

10:02 Individual companies should be evaluated differently for investment.

11:51 Steady growth in Visa can yield returns.

15:13 Dividend aristocrats and kings are solid companies.

19:37 Unsustainable high dividend payout ratios can lead to problems.

21:56 Interest in Nvidia due to semiconductor industry.

23:44 Technology enabling AI acceleration, driving Nvidia's growth.

27:44 Conflicted view on Nvidia's potential success.

30:47 Balancing risk in tech investments, consider Nvidia's suppliers.

33:39 End of conversation. Keep sending great questions.

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Back to Basics: Understanding Mr. Market's Behavior for Successful Investing

Thu, 18 Apr 2024 04:00:00 -0000

Welcome back to another episode of The Investing For Beginners Podcast, where we dive deep into the essentials of investing to help you become a savvier market participant. Today, we’re continuing our "Back to the Basics" series with a fascinating discussion about the concept of Mister Market, a term coined by Benjamin Graham, the mentor of Warren Buffett.

Our hosts, Andrew and Dave, will guide us through understanding Mister Market's role as a temperamental business broker whose daily price quotes can stir emotions and create opportunities for investors. They'll share insights into separating stock performance from business facts, forming independent opinions away from prevailing narratives, and maintaining a healthy detachment from market hysteria.

Join us as Andrew and Dave break down the fine line between market noise and actionable investment signals, explore historical cases where going against the herd paid off, and remind us of the importance of focusing on a company's financial health when evaluating its stock. So, put on your thinking cap, and get ready for some valuable investing wisdom. Let's get started!

00:00 Mister Market is a chaotic, persuasive figure.

03:26 Market fluctuates, hold onto valued businesses.

06:47 Focus on financials, not market speculation.

10:07 Market sentiment shifts, seize opportunity in drops.

14:15 Challenging narrative biases to seize investment opportunities.

17:13 External influences shape critical thinking and perception.

19:36 Research, positive financials, customer confidence in American Express.

25:21 Separate stock movement from business performance, think independently.

26:26 Read annual reports, form independent business thoughts. Pay attention to financial data, avoid emotional narratives.

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IFB342: Benefits of Individual Investing - Compounding, Lower Fees, and Long-term Perspectives

Mon, 15 Apr 2024 04:00:00 -0000

Hello and welcome to The Investing for Beginners Podcast, episode 342. Today, we'll dive deep into the nuanced world of REITs, as hosts Andrew and Dave shed light on the benefits, challenges, and strategies for investing in this unique asset class. Are you looking to enhance your portfolio's dividend potential, or maybe you're trying to understand the complexities of funds from operations? We've got you covered.

A hot topic in this episode is the impact of interest rates, the ongoing work-from-home movement, and the weighty influence of political scenarios on your investment strategy. With elections around the corner, we’ll explore whether it’s prudent to adjust your financial sails or stay the course.

We also answer Cheryl's pressing question about the logic behind dedicating a portion of your portfolio to REITs, diving into the sage advice of Benjamin Graham on diversification. Plus, we provide a word of caution to those looking to pinpoint that perfect REIT ETF or stock.

Additionally, Jeff, a listener approaching retirement, seeks advice on optimizing his investment options, including a 401k and a Walmart stock plan. We’ll break down the merits of maximizing employer matches and the advantages of Roth IRAs as part of a retirement strategy.

We’re not just looking at the macro picture; we also dissect the psychology of managing stock positions. Hear from Andrew as he compares holding onto successful stocks with keeping a star basketball player on your team.

And for individual investors, we discuss the compelling advantages you hold over the big financial institutions, highlighting real-life success stories to fuel your investment journey.

00:00 Maximize 401k, consider rebalancing, evaluate investment options.

03:08 Managing Wells Fargo stock in 401K.

06:33 Invest in index funds for success and relaxation.

13:07 Invest in smaller companies for big returns.

16:23 Political power doesn't impact stock market returns.

19:16 Wait and see before making decisions.

22:35 Subscribe to value spotlight for full context.

24:58 REITs offer great dividends, but face challenges.

29:31 Evaluate selling shares, consider investment returns, forecast future.

32:01 I'm wary of losing life savings. Sell = sad lie.

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Back to Basics: The Power of Dollar Cost Averaging

Thu, 11 Apr 2024 04:00:00 -0000

Welcome to the latest episode of the Investing for Beginners podcast! In this episode, Dave and Andrew dive deep into the concept of dollar cost averaging (DCA) and timing the stock market. They discuss the benefits of DCA, its role in establishing good investing habits, and the challenges of timing the market. They explore how emotions and various investor agendas impact stock prices, the importance of a long-term mindset, and offer practical advice for setting up DCA and avoiding the temptation to time the market. Tune in for insightful and practical tips that can help you navigate the complexities of investing and improve your investment strategies.

00:00 Dollar cost averaging establishes investing habit.

03:52 Invest when comfortable, invest now, uncertain future.

07:05 Maximize 401K match, then prioritize personal retirement.

12:04 Markets unpredictable, expect both drops and jumps.

13:44 Market complexities impact personal and company fortunes.

16:42 Investing in the market has various strategies.

19:55 "Long-term mindset, dollar cost averaging key."

22:50 "Monthly dollar cost averaging for investing simplicity."

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IFB341: Navigating Stock Market Volatility - A Guide for Beginners

Mon, 08 Apr 2024 04:00:00 -0000

Welcome to another episode of The Investing For Beginners Podcast! I'm your host, Dave, joined by my co-host, Andrew. Today, in Episode 341, we dive into the chaotic world of the stock market and demystify how it often diverges from actual business performance. We bring back the story of Mr. Market, our quintessential persona that symbolizes the daily highs and lows on Wall Street, and how these swings don't always reflect a company's long-term value.

In this episode, we discuss the importance of an investor's mindset that prioritizes a deep understanding of a business's fundamentals over reacting to market noises. To illustrate this, we share a compelling case study of Ajin, a company we held onto despite a worrying drop in stock price because we understood its strong underlying fundamentals and growth potential in the ever-evolving payments industry.

We'll also tackle some of your burning questions about starting to invest later in life, like Gino, who's 45 and beginning from scratch. Don't worry, we've got practical steps for everyone, regardless of how much you can start with or how late in the game you are.

As always, we encourage all our listeners to reach out via Shopify, Twitter, or email with your questions, and remember to check out episodes 43-47 if you're new to the market.

00:00 Investing is about long-term growth, not speculation.

06:24 Set budget, develop saving habit, open account.

08:55 Learning to handle volatility is crucial for growth.

12:17 Evaluating stocks versus ETFs for easier decision.

14:25 Stock investing: focus on long-term execution.

17:48 Stock performance tied to company fundamentals over time.

21:18 Cycle of hiring to spur company growth.

26:01 Long way to go for simplified payments.

28:44 Thank you for questions, send more.

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Back to Basics: Concentration vs Diversification - Crafting Your Investment Strategy

Thu, 04 Apr 2024 04:00:00 -0000

Andrew: Hello, everyone, and welcome to The Investing For Beginners Podcast. I'm your co-host Andrew, joined by Dave.

Dave: Hi there, investors! Today's episode, Portfolio.wav, is jam-packed with investing essential—diversification.

Andrew: We're discussing the delicate art of portfolio balance, starting with just a couple of solid picks, and the dangers of putting all your eggs in one basket.

Dave: That's right. We'll share personal tales, including my own brush with over-concentration and lessons on not succumbing to investment FOMO.

Andrew: Plus, we're thrilled to announce a weekly series focusing on the basics of stock investing. It's going to be an incredible journey!

Dave: Tune in as we break down strategic diversification, the timing of portfolio expansion, and finding reassurance in your investment choices.

Andrew: So, if you want to build a resilient portfolio tailored to your goals, you're in the right place.

Dave: Let's get started and remember, always invest with a margin of safety.

00:00 Podcast: Basics of portfolio construction and diversification.

05:37 Diversified portfolio improves financial sector performance.

06:46 401K advice: diversify and fish where fruitful.

12:57 Focus on winners, limit diversification for growth.

15:21 Overcoming FOMO, emphasizing selective portfolio diversification.

18:46 Missed opportunities, learning from investment mistakes.

23:05 Most people limit investment at 20%.

24:24 Limit Berkshire Hathaway investment to 25-30%.

27:05 Start with best companies, expand strategically.

30:09 Promoting safety. Have a great week! Goodbye.

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IFB340: The Pricing Power Debate and Investment Strategies for Beginners

Mon, 01 Apr 2024 04:00:00 -0000

Welcome back to The Investing For Beginners Podcast, I'm your host Dave, joined by Andrew, and you're listening to episode 340. Today, we're diving into the critical concept of pricing power and its role in defining a company's moat, especially in heavyweight players like Nvidia and Tesla. As we wade into the debate on whether pricing power is essential for a competitive advantage, we'll also uncover how to spot it in businesses, taking cues from giants like Coca-Cola, Costco, and Apple.

But it's not just about the big names; we'll examine companies that may lack this power, including Lululemon and Airbnb, and why industry giants like Uber and Lyft face challenges due to low barriers to entry. How does pricing power tie into long-term investment success? We explore this, especially in the context of a high-inflation environment.

Later, we pivot to a listener question about the merits of investing in index funds, like Fxaix, versus the peculiarities of the pharma industry with examples like Pfizer. And if you're wrestling with the idea of choosing between dividends or dynamic companies for your portfolio, our discussion on ETFs and traditional index funds is a must-listen.

So, whether you're a seasoned investor or just starting out, join us as we break down these complex topics and offer insights to help you invest with a margin of safety.

Remember to send in your questions for future episodes to newsletter@investingforbeginners.com, and until next week, here's to smart investing and wishing you all a great week ahead!

00:00 Diversify with index funds, explore personal interests.

05:39 Understanding pharma industry dynamics, patents, and risk.

07:55 Patent expiration affects pharmaceutical company's future prospects.

11:05 P. Morgan book: jargon, banking, personal interests.

14:42 ETFs can vary due to holdings, rebalancing strategies.

17:35 S&P 500 returns higher than ETF's yield.

22:16 Consider higher dividend yield from respected investors.

24:10 Invest in ETFs and index funds for success.

30:14 Limited resources like bitcoin, high demand.

33:05 Costco's competitive advantage leads to pricing power.

35:34 Pricing power drives long-term revenue growth.

38:34 Agreement on examples, show wrap-up, call for questions.

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Back to Basics: Unveiling Nick Sleep's Investment Strategy: Destination Analysis for Long-Term Value

Thu, 28 Mar 2024 04:00:00 -0000

Dave: Welcome to The Investing For Beginners Podcast—I'm Dave.

Andrew: And I'm Andrew. Today's episode is all about the art of selling stocks and mastering destination analysis, inspired by the investment philosophy of Nick Sleep.

Dave: We'll dissect how to assess companies for their long-term value, peeking into their DNA, and understanding what makes a brand like Starbucks so enduring.

Andrew: And I'll share my own experiences on shifting investments to avoid potential pitfalls in today's market climate.

Dave: We're also talking about why I've scaled back on PayPal, and the impact of uncertainty on both investor mindset and company performance.

Andrew: Plus, we're highlighting the importance of slow selling and how to stay logical when those storm clouds gather over businesses we've invested in.

00:00 Book "Seven Powers" highlights value of businesses.

06:15 Customers expect quality, will pay for it.

07:11 Kendall Jackson wine: consistent quality and experience.

10:15 Sales, margins, industry, economy, business strategy evaluation.

14:58 Understanding industry dynamics and market trends is crucial.

17:46 Investing in familiar companies reduces emotional disruption.

21:14 Uncertain future for PayPal under new CEO.

26:05 Understanding company and industry can influence decisions.

30:38 Apple's brand power determines long-term success.

31:43 Exciting show ending with investment advice.

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IFB339: Applying Base Rates to Stock Picks: Insights from Michael Mauboussin's Expertise

Mon, 25 Mar 2024 04:00:00 -0000

Andrew: Welcome to episode 339 of The Investing For Beginners Podcast. I’m Andrew.

Dave: And I'm Dave. Today we are examining the crucial interplay between market expectations and the evolution of companies, underscored by recent executive changes at Disney.

Andrew: Our focus extends to the practical applicability of base rates in valuation—a method for investors to ground their growth expectations in reality, inspired by the meticulous research of Michael Mobison.

Dave: We will delve into the pivotal metrics, such as CFROI, that savvy investors should monitor to judge a company's reinvestment efficiency and potential for long-term growth.

Andrew: And we cannot overlook the phenomenon of reversion to the mean, a fundamental principle that impacts companies across different stages of growth, sectors, and market valuations.

Dave: This episode is about equipping you with the tools and knowledge to navigate the complexities of investment opportunities with a critical eye and a measured approach.

Andrew: Prepare to engage with a conversation that’s as informative as it is imperative for anyone serious about their investment journey.

00:00 Gravity of capitalism and stock market cycle.

06:14 Sales growth vital for company's continued success.

08:49 Sales growth reverts to mean over time.

11:41 Research shows most stocks grow modestly yearly.

16:35 Market reversion to mean: fear and greed.

19:07 Legacy companies may lose or gain market share.

20:42 Adversity spurs creativity, innovation doesn't follow straight paths.

25:22 Understanding revenue and sales growth for companies.

28:15 Using base rates for reasonable revenue growth.

30:55 Value investing can lead to high returns.

35:40 Correlation between CFROI and sustainability in sectors.

39:50 Focus on specific sections for actionable results.

41:01 Encouraging safe investing, have a great week.

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Back to the Basics: Standing on the Shoulders of Giants

Thu, 21 Mar 2024 04:00:00 -0000

Dave: Hello, everyone, and welcome to The Investing for Beginners Podcast. I'm Dave.

Andrew: And I'm Andrew. Today's episode is "Shoulders of Giants.wav," where we explore the invaluable lessons from the world's most renowned investors.

Dave: We'll cover why brands like Google and Amazon act as "moats," protecting businesses just like Charlie Munger and Warren Buffett always remind us, and how these moats contribute to the companies' long-term successes.

Andrew: Plus, we're talking about the investor's mindset—patience, temperance, and reading your way to success, just like the greats.

Dave: So, if you're ready to build your investment knowledge, join us as we stand on the shoulders of giants.

Andrew: Let's get into it.

00:00 Collaboration in music and investing brings success.

04:57 Long-term business focus over short-term stocks.

09:43 Amazon's brand brings joy and convenience.

13:39 Charlie Munger's investment philosophy and advice.

14:33 Focus on quality, not mediocre businesses. Trust.

20:51 Limit financial news exposure to prevent emotion.

22:07 Avoid sensational news, remove trigger apps, pause.

26:32 Explore biographies of historical and modern figures.

30:45 Find interesting books, avoid boring ones.

32:16 Focus on safety. Have a great week!

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Sales, AI, and Entrepreneurship: A Conversation with Braden Dennis of Finchat.io

Mon, 18 Mar 2024 04:00:00 -0000

Dave: Hello, eager investors! Welcome back to The Investing For Beginners Podcast. I'm Dave.

Andrew: And I'm Andrew. In today’s episode, we're thrilled to welcome Braden Dennis, the innovative mind behind Finchat, a pioneering firm at the intersection of AI and equity research.

Dave: Braden's going to share the origin story of Finchat, the significance of fundamental research in investing, and how the company is transforming financial data accessibility for professional investors.

Andrew: He's not just a founder; Braden is a testament to the power of passion and grit in entrepreneurship. Starting from simple no-code tools, he has grown Finchat into a partner of multi-billion dollar hedge funds.

Dave: From the potential of AI to change the business landscape to the challenges of startup funding, Braden's insights are invaluable. And for those wondering about entering the tech world without coding expertise, he has some game-changing advice.

Andrew: Prepare for a wealth of knowledge on tech investments, market bubbles, and the entrepreneurial spirit. Let's dive right in with Braden Dennis.

00:00 Always knew I was passionate about success.

06:17 Investors share data and insights online analysis.

09:36 Chemical engineer turns to online stock trading.

13:35 Compete for attention, stand out by asking.

15:55 Co-founder impressed by success with poor product.

20:24 LinkedIn post goes viral, touts Finchat over Bloomberg.

23:12 Venturing into high risk for big returns.

27:37 AI redefining equity research for professional investors.

28:46 Request graphs and lists for retrieval purposes.

32:48 Buffett ready for important decisions, advocating AI.

37:08 Tech company cash flow projections exceed expectations.

41:25 Investors must discern hype from real potential.

43:16 Start now, save money, be entrepreneurial. Find me @BradoCapital, Canadian Investor podcast, Finchat IO.

45:37 Sign off with emphasis on investing safely.

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Back to the Basics: History of the Stock Market + The Power of Compounding

Thu, 14 Mar 2024 04:00:00 -0000

In this episode of The Investing For Beginners Podcast, Dave and Andrew dive into the history of the stock market and the power of compounding. They explore the origins of the stock market, discussing its endurance through major global events and emphasizing its significance as a platform for investing in businesses. They break down the concept of compounding, likening it to a snowball effect and highlighting its potential to grow wealth over time. Drawing from examples like Warren Buffett and Apple, they drive home the importance of understanding the market's history and the potential of long-term investing. Tune in for valuable insights into building wealth through investing and the magic of compounding.

00:00 Stock market is not a magical gamble.

04:38 Stock ownership carries benefits and responsibilities.

07:27 Stock market loves drama, but follows businesses.

12:19 Stock market history repeats, guiding investment decisions.

13:49 Understanding stock market basics key for success.

18:16 Compounding interest builds wealth through multiplication.

21:21 Small percent changes can greatly affect returns.

26:19 Seek learning, find mentors, and be patient.

26:57 Learn, be patient, find solid investments. Avoid fads.

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IFB338: From Valuing Companies to Picking Brokers: Essential Advice for New Investors

Mon, 11 Mar 2024 04:00:00 -0000

Welcome to episode 338 of The Investing For Beginners Podcast! This is your host Dave, with co-host Andrew, and we've got a value-packed episode for you today.

We're breaking down the ins and outs of dollar cost averaging, comparing our philosophies to the likes of investing greats Warren Buffett and Charlie Munger. Plus, we tackle a critical question—how to figure out a stock's valuation and whether it's over or undervalued, demystifying free cash flows and market expectations.

Discover the best beginner-friendly stockbroker firms, understand the benefits of ETFs like VTI and SPY, and learn the practical steps to kickstart your investment journey.

We're delivering key insights on DCFs for company valuations while also touching on the essential resources and practices you need to master the art of investing.

So if you're ready to level up your investing game and find clarity amidst the market noise, you've come to the right place. Let's dive right in!

00:00 Research fees, ease of fund transfer important.

05:34 ETF options: VTI for US market, SPY for S&P 500.

07:20 Invest in ETFs for lower stress, fees.

13:21 Company value tied to cash flows, market expectations.

15:00 Using DCFs to estimate company value. Applying margin of safety to account for biases.

18:26 Businesses have life cycles, uncertain to predict.

23:01 Tools for financial analysis and note-taking.

24:15 Dig deep into company growth; inventory-sales disconnect.

29:41 Invest first hour of your day in yourself.

32:27 Consistent investing can protect from market fluctuations.

33:51 Diversifying investments through regular dollar cost averaging.

37:16 Concluding conversation with insightful and hopeful answers.

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Back to Basics: What is Your Dream? What is Your Why?

Thu, 07 Mar 2024 05:00:00 -0000

Welcome to the "Investing for Beginners" podcast, where we dive deep into the world of investing. In this episode, Dave and Andrew discuss the crucial aspect of knowing your "why" when it comes to investing. They emphasize the importance of understanding your motivations and goals before diving into the stock market. The hosts share their personal experiences and provide practical tips for listeners to define their own "why." From setting a commitment to investing to the power of compound interest, they unpack the fundamental steps for creating a strong foundation in investing. Join us as we explore the significance of having a clear vision and purpose in your investment journey.

00:00 Approach stock trading based on your goals.

04:12 Importance of having a plan and motivation.

08:00 Manage risk, choose real estate or stocks.

10:15 Diverse ways to grow wealth and invest.

15:44 Inspiring people to achieve financial freedom.

19:09 Share with close ones to be accountable.

20:04 Start with $50, grow over time.

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IFB337: Investing with a Margin of Safety: A Strategic Approach

Mon, 04 Mar 2024 05:00:00 -0000

Welcome back to The Investing For Beginners Podcast, this is episode 337, and I'm your host Dave, along with co-host Andrew. Today we delve into the intricacies of stock prices and their movement—or lack thereof. Andrew kicks things off by discussing why stocks might stagnate due to reasons such as overpaying and uncertain prospects, while I'll touch on how some companies might just slip under the radar, creating illiquidity in trading.

In this episode, we'll also unpack the meaty concept of a stock's terminal value, with a nod to tech giants like Walmart and Apple, and talk about how expectations for future growth can hugely influence stock returns – thinking about companies like Zoom and Peloton during the pandemic.

As we weave through these topics, we'll tackle the big question many of you have: should your hard-earned money go into a high-yield savings account or an index fund? It's all about what you're saving for and your timeline - we'll guide you through these choices, from short-term goals like a house or a car, to long-term plans such as retirement, highlighting the importance of dollar-cost averaging.

We're also hitting on the rapid price escalations of companies like PayPal and Nvidia, and what it means to "grow into their valuations." Plus, we have an audience question from Rachel about the sometimes puzzling differences between depreciation and amortization on cash flow and income statements. We'll clear the air on that, so you understand the impact on a company's financial health without getting bogged down in the numbers.

And remember, as Einstein said, "Make it as simple as it needs to be and no simpler." Are you ready to demystify investing? Let's get into it!

00:00 Investing in stocks needs long-term time horizon.

05:24 Time in market beats timing market, habitually invest.

06:26 Consistently invest in market for long-term benefit.

11:23 Accounting principles: balancing revenues, costs, and statements.

13:59 Income statement items explained including non-cash expenses.

16:33 Buyers knew company's greatness; uncertainty about future.

19:55 Finance industry values long-term prospects of stocks.

24:02 Anticipation of revenue growth drives stock prices up.

27:37 Active investing requires diligence and attention to detail.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB336: Navigating Investment Strategies - Diversification vs. Sector Focus

Thu, 29 Feb 2024 05:00:00 -0000

Welcome to The Investing for Beginners Podcast, I'm Dave, joined by Andrew. In episode 336, we tackle the myths around imitating investment giants like Warren Buffett and emphasize forging your own path in the financial markets.

We debate the merits of diversification vs. selecting top-tier businesses, with Andrew sharing his personal investment principals and sectors to avoid. We also examine the intricacies of capital spending and R&D investments, underscoring the success stories of Microsoft and Apple to illustrate our points.

Later, we discuss evaluating management quality and competitive edge in the market, sprinkling in resources like Michael Porter's literature and "Seven Powers" by Hamilton Helmer for those wanting a deeper understanding.

For our beginners, we stress starting small, using trusted brokers, and keeping a long-term mindset. We advocate for learning the ropes of the stock market gradually, reassuring you that everyone makes mistakes along the way.

So buckle up for a straightforward, wisdom-packed episode aimed at helping newcomers navigate the investment landscape with confidence. Let's get started!

00:00 Approach investing as a lifelong learning journey.

03:54 Experience stock market by investing wisely.

09:38 Tech dominates market, diversify for best returns.

13:06 Diversified portfolio focused on individual stock performance.

14:44 Focus on finding best business, not sectors.

20:13 R&D is crucial for creating new products.

21:58 Compare margins and spending to revenue growth.

27:23 Incorporating stock analysis into long-term investment strategy.

29:30 Evaluate business management by measuring financial performance.

32:18 Analyze performance, compare numbers in retail industry.

35:16 Encouraging sign-off after discussing awesome book.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB335: A Comprehensive Look at Five Vital Valuation Metrics for Investors

Mon, 26 Feb 2024 05:00:00 -0000

Welcome to episode 335 of the Investing for Beginners podcast! In this episode, Dave and Andrew dive into a comprehensive discussion about five valuation metrics that can help investors understand the value of a company. They start by explaining the simplest and most frequently used shortcut for evaluating stocks, known as the price to earnings ratio. They also cover the importance of understanding how different metrics apply to companies in various stages of their lifecycle. Additionally, they share insights into the price to free cash flow, price to sales, and price to gross margin metrics before delving into the fascinating world of discounted cash flow (DCF) models. Throughout the discussion, they emphasize the importance of not relying solely on these metrics for investment decisions and highlight the need to compare and interpret them within a larger investment strategy. Prepare to gain valuable insights from this episode as Dave and Andrew shed light on essential valuation techniques and provide practical examples to help simplify the complex world of stock valuation.

00:00 PE ratio not suitable for cyclical companies.

03:14 Consider industry differences when comparing performance metrics.

08:04 Price to free cash flow provides crucial insights.

09:39 Sales indicators are more consistent than earnings.

12:55 Price to sales reveals company's value better.

17:44 Superior product, efficiency, technology, potential moat, pricing power, Buffett's investments: key investment indicators.

19:46 Simplify investment evaluation and future cash flow.

22:30 Valuing business using discount rate for negotiation.

26:47 Free email series teaches building DCF model.

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IFB334: Finding Investing Inspiration - Analyzing the Top Companies of the Year, Year After Year

Thu, 22 Feb 2024 05:00:00 -0000

Welcome back to the Investing for Beginners podcast! In today's episode, Dave and Andrew delve into the concept of "draft classes" for companies, analyzing the top-performing companies of various years and discussing the implications for investors. They examine the performance of companies like Amazon, Nvidia, AMD, and others, and explore the lessons that can be learned from these draft classes. Join us as we uncover the insights from this fascinating discussion and learn how past performance can influence future investment decisions. Stay tuned for a deep dive into the world of investing and the valuable lessons to be gleaned from the past.

00:00 NVDA and AMD awesome, others not great.

04:09 Analyzing stock performance through batting averages.

08:31 Mixed performance for Square, Zoom, Peloton, Moderna.

12:05 Nvidia and Amazon have good track records.

15:26 Stock market trends over 30 years.

18:17 Timing market for Nvidia may impact returns.

20:48 Manage investment decisions carefully to avoid impulsiveness.

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Investing for the Next Generation: A Conversation with Matthew Roseberry

Mon, 19 Feb 2024 05:00:00 -0000

Dave: Welcome to The Investing For Beginners Podcast. I'm your host Dave, joined by my co-host Andrew. Today, we present a compelling episode with Matthew Roseberry, titled “Matthew.”

Andrew: Matthew, an author and self-taught investor inspired by investing legends Buffett and Munger, shares his journey and strategies that simplify investing for the younger generation.

Dave: Beyond numbers, it's the investor's psychology that Matthew underscores, using examples like the renowned Coca Cola. We'll explore how to introduce teens to investing through their existing interests and the imperative concept of compound interest.

Andrew: With a look at Activision Blizzard’s moat within the gaming sector and the benefits of company founders at the helm, Matthew imparts his knowledge that serious investors should not overlook.

Dave: So stay tuned for a thought-provoking discussion on investing fundamentals and strategies tailored for longevity and success.

00:00 Interest in making money led to investing.

05:53 New investors don't need to overcomplicate things.

07:29 Coca Cola's marketing builds share of mind.

12:46 Founder-led companies prioritize simplicity and user-friendliness.

15:21 Conflict with Charlie on Costco board avoided. Costco's ethical, customer-focused business model emphasized.

17:04 Activision Blizzard is a social network for gamers.

21:03 Acquiring Activision will lead to long-term profit.

25:34 Start with what you love: investing advice.

29:01 Compound interest key for teenagers' long-term wealth.

31:45 Book on investing like Buffett and Munger. Suitable for teenagers and new investors. Emphasizes the power of incentives in investing.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Find great investments at Value Spotlight

Have questions? Send them to newsletter@einvestingforbeginners.com

IFB333: Free Financial Tools - Accessing Relevant Ratios and Revenue Sources

Thu, 15 Feb 2024 05:00:00 -0000

On episode 333 of the Investing For Beginners Podcast, Dave and Andrew dive into three great listener questions. They start with Tyron's inquiry about evaluating stocks in the European market and discuss the implications of currency differences and accounting practices. They then address Sergio's question about free financial ratio tools, offering recommendations like Quickfs.net and finviz.com. Lastly, they explore the impact of equity raises, discussing the importance of considering cash allocation and profitability, using the example of Plug Power's recent dilution. Join Dave and Andrew as they provide insightful responses to these thought-provoking investment questions.

00:00 Understanding currency and metric consistency in analysis.

05:33 Finchat IO and others offer free services.

07:14 Importance of company life cycle for investors.

10:34 Raising equity means owning less of company.

13:37 Important to consider demand before raising capital.

16:10 Chart shows market cap growth needed to offset dilution.

21:22 ROIC tracks profitability and capital allocation success.

22:27 Analyzing return on equity and dollar earnings.

25:51 Closing remarks express gratitude and welcome questions.

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IFB332: Listener Q&A - From Paycheck to Paycheck and Starting to Invest

Mon, 12 Feb 2024 05:00:00 -0000

In the latest episode of The Investing For Beginners Podcast, Dave and Andrew tackle key listener questions about investing and finance. The episode kicks off with advice for a listener named Danny, who is living paycheck to paycheck despite having no debt. Andrew and Dave discuss the importance of starting to save for retirement, offering insights on wealth generating opportunities like 401ks and real estate. They emphasize the significance of finding a job with a 401k match and share personal experiences to underscore the benefits of investing early in one's career.

The hosts also delve into the question of when to sell a stock, prompted by a query from a listener named Ryan. They share their individual perspectives on establishing a selling discipline and emphasize the significance of assessing if anything fundamentally changes about a business before making a decision.

Throughout the episode, Dave and Andrew draw parallels between fitness and investing, and encourage listeners to focus on gradual improvement and consistency. With real-life examples and practical insights, they deliver valuable advice for both seasoned investors and beginners looking to navigate the world of finance and investment.

00:00 Don't miss out on 401k match.

03:49 Consider your investment goals and options.

06:20 Investing small amounts can lead to wealth.

12:06 Understanding worst case scenario alleviates anxiety.

14:46 Best reason not to sell: fundamental business.

16:08 Document your reasons for investment decisions.

19:12 Questioning fundamental changes in the business.

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IFB331: 6 Ways to Avoid Buying High and Selling Low

Thu, 08 Feb 2024 05:00:00 -0000

Welcome to The Investing For Beginners Podcast, I'm Dave and with me is Andrew. In episode 331, we're diving into the crucial role of conviction in investing. Learn why knowing the reason behind your investments can help you stay the course during market volatility and aid in building wealth over time.

We'll share tips on how to develop and maintain your conviction, even when the market tests your resolve. Discover insights on the pitfalls of overconfidence and the wisdom of humility.

Andrew will discuss his long-term holding approach focused on quality, and I'll emphasize understanding a company's true value. We'll also touch upon the importance of systems like dollar-cost averaging and strategies to prevent rash decisions, including insights from our experience with Berkshire during uncertain times.

Join us as we explore the power of informed investing decisions and building a steadfast investment philosophy. Let's get started!

00:00 Understanding the game, investing wisely, avoiding mistakes.

04:02 Consistency in investment and learning from mistakes.

07:26 Focus on behavioral psychology in business success.

12:53 Write down your understanding to handle stress.

15:18 Repeated deep dives reveal valuable missed details.

17:52 Understanding outward vs inward looking investment strategies.

22:09 Maintain confidence and patience in investing strategy.

26:03 Understanding your limits, sticking to your plan.

28:45 Don't follow the herd, focus on opportunities.

33:09 Slow down, create systems for rational decisions.

34:51 Company seemed strong despite pandemic challenges and price.

39:15 Investors can find opportunities with deep analysis.

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IFB330: Balancing the Art and Science in Valuation

Mon, 05 Feb 2024 05:00:00 -0000

Welcome back to The Investing For Beginners Podcast, episode 330! I'm Dave, and with me is my co-host Andrew. Today, we're unpacking the significance of ROIC and price to free cash flow in company analysis. Understanding these numbers could be the difference between picking a gem and falling for a dud.

We're also exploring the intricate balance between art and science in investing. Whether you lean towards growth or value strategies, we'll discuss how intuition and analytical rigor shape your investment choices.

For an extra special twist, Andrew and I are in the same room, broadcasting live together for the first time ever! We'll dissect the theory of intrinsic value and the conundrum of market inefficiencies, taking a close look at intriguing cases like Netflix.

Plus, we'll get into the nitty-gritty of P/E ratios and how market sentiment reflects in these figures. Ready for a journey into the heart of investing wisdom? Stay tuned as we merge hard data with gut feeling in this unique episode of The Investing For Beginners Podcast!

00:00 Intrinsic value: easy to visualize, agreed societal worth.

03:41 Efficient market theory, new info affects stock prices.

07:06 Science of stock valuation focuses on numbers. Art involves interpreting news and industry for value.

12:37 Comparing Visa and PayPal’s revenue growth.

15:22 PayPal and Visa acquisition prospects diverge.

16:44 Balancing intuition and logic in investment decisions.

20:47 PE ratio gives relative idea of value.

26:20 Higher ROIC linked to higher company valuation.

28:40 Different types of businesses have different ROICs.

32:39 Long-term decline leads to shareholder value destruction.

35:39 Growth investing values future, value focuses on past.

37:56 Mature businesses are more stable than growth.

41:26 Invest in companies with growth potential and stability.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Find great investments at Value Spotlight

Have questions? Send them to newsletter@einvestingforbeginners.com

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Noah Kagan on Building Million-Dollar Ventures with Zero Experience

Thu, 01 Feb 2024 05:00:00 -0000

We are excited to have Noah Kagan, author of the Million Dollar Weekend to our show. Noah has been a huge influence on both Andrew and I over the years.

Noah is an entrepreneurial visionary who challenges traditional notions about what it takes to start a business. Contrary to popular belief, he asserts that neither an Ivy League education nor substantial funds are prerequisites for success. With a skeptical view on the need for a formal education or extensive courses to launch a venture,

Noah advocates the entrepreneurial path as the ultimate investment. He believes in the potential for unlimited returns, making it an opportunity that transcends conventional investments. Noah's journey and insights offer a fresh perspective to beginners eager to step into the world of business without the constraints of conventional wisdom.

00:00 Invest capital, start business, make significant sales.

05:48 Focus on action, ask for what you want.

08:28 Solving problems leads to business opportunities.

12:14 Investing for the long term mindset success.

15:46 Stick with building software, service for 100 days.

17:45 Neighbors reject business idea, reflect on skills.

20:30 Search docusign emails, talk to contacts, simplify.

25:25 Compounded momentum in business, longevity needs acknowledgment.

28:04 Instagram showcases idealized lives, but hides struggles.

32:31 Rejection and failures are learning opportunities.

35:44 Overcoming fear of rejection leads to growth.

38:56 "Start small, build courage, gain confidence, succeed."

40:48 Invest wisely, pursue happiness, change generational cycles.

46:21 Noah's book inspired successful entrepreneur journey.

47:07 Noah, thanks for your valuable, inspiring message.

You can find more about Noah including his wonderful book here:

NoahKagan.com

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Back to the Basics: Investment Strategies for Lifecycle Stages

Mon, 29 Jan 2024 05:00:00 -0000

Welcome to The Investing For Beginners Podcast. I’m Dave.

Andrew: And I’m Andrew. In today’s episode, 'B2B,' we delve into the critical investment stages from initial accumulation to retirement's harvest.

Dave: Understanding the dichotomy between investment and speculation is essential, and we’re here to navigate these sometimes murky waters.

Andrew: We'll examine how astute investments in stalwart companies like Microsoft can lead to significant wealth accumulation and discuss the transformational impact of informed portfolio choices.

Dave: The conversation will extend to the nuances of stocks, bonds, and an analysis of contemporary investment strategies, highlighting the delicate balance between risk and reward.

Andrew: Whether considering the resurgence of investment clubs or choosing between growth and value investing, the discourse will be grounded in pragmatism for the disciplined investor.

Dave: Today’s insights are geared towards equipping you to make strategic decisions with a long-term view, ensuring a robust financial future.

00:00 Investment journey phases and strategies based on age.

04:18 Stock market has risks, consider consulting advisor.

08:38 Investing in assets that produce value.

10:33 Investing in new stocks can be speculative.

13:48 Accredited investing offers different opportunities, risks.

18:30 Stocks= high potential, high volatility. Bonds= growth, less risk. Money market= safety, low returns.

21:37 Index funds suit passive investors, individual stocks active.

24:31 Investing requires research and commitment to succeed.

29:08 Value investors seek discounted, stable, growing companies.

31:50 Success in growth investing relies on market timing.

36:19 Learn basics, pay attention, find your style.

37:27 Closing remarks on investing with emphasis on safety.

Today's show is sponsored by:

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Go to greenchef.com/60beginners and use code 60beginners to get 60% off, plus 20% off your next two months!

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Back to the Basics: Investing Simplified - Practical Advice Inspired by Peter Lynch

Thu, 25 Jan 2024 05:00:00 -0000

Dave: Hello and welcome to The Investing For Beginners Podcast. I'm Dave.

Andrew: And I'm Andrew. Today, we're tapping into the legendary wisdom of Peter Lynch in our episode "Peter," revealing insights for both new and veteran investors.

Dave: We'll be discussing Lynch's unbeatable record at the Magellan fund and how his strategies, like focusing on suppliers during a gold rush, apply today with examples like Taiwan Semiconductor.

Andrew: We're also dissecting why knowing your investments well is crucial, especially in volatile times. Strong balance sheets have proven crucial and can really set companies apart during crises.

Dave: Definitely, Andrew. Plus, we're touching on the idea that investing doesn't require complex math, just focused research. And we'll explore the important long-term link between a company's earnings and stock performance.

Andrew: So tune in as we distill the teachings of one of the best investors around and apply them to today's market. Let's get to the heart of smart investing.

Dave: Ready to boost your investment IQ? Here we go. And remember, have a great week, folks!

[Transition Music]

00:00 Thinking about investments in terms of supply chain.

03:05 Investment opportunities related to semiconductor industry products.

07:20 Prepare and research to avoid panic selling.

10:35 Research and understanding lead to better investments.

13:08 Use finviz.com, stock screener, to find specific stocks.

19:12 Company's future unpredictable, pay price wisely.

22:31 Understanding business matters for long-term investment success.

23:35 Importance of balance sheets in avoiding problems.

28:40 Finance is exponential, outliers have huge impact.

32:27 Stock market drops create investment opportunities.

33:34 Investors recognize undervalued stock's future potential.

38:22 Long-term investment success depends on forward thinking.

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IFB327: Beginner's Guide to Investing - $500 Strategies and Understanding Dividend Yields

Mon, 22 Jan 2024 05:00:00 -0000

Welcome back to The Investing For Beginners Podcast. I'm your co-host Dave, alongside Andrew, and you're tuning into Episode 327. Today, we ease the minds of new investors considering how to wisely invest $500. Don't overthink it—we've got strategies for you, from monthly investment increments to understanding dividends and earnings per share.

We answer a listener question about the right number of shares for an ETF or stock, and discuss portfolio diversification over quantity. Plus, we've got insights into whether Crown Castle's stock is at risk with the rise of Starlink's satellite-based services.

Ever wonder how to sift through the endless stream of investment news? We've got you covered with practical tips to stay informed and grounded.

And for those juggling with paying off credit card debt or investing, we weigh in on approaches that might just give you the financial edge you're seeking.

00:00 Pay off highest interest or smallest balance.

03:35 Banker suggests consolidation loan to lower rates.

09:23 Start small, build wealth through consistent habits.

13:10 Company earnings paid as dividends to stockholders.

14:06 Stock yield indicates annual dividend percentage return.

18:39 Diversify portfolio with ETFs, manage risk. Splitting.

20:56 Stay away, Google, diversify, consider percentages, S&P 500 tech exposure.

25:31 Starlink works well in remote areas. Competitive threats.

29:47 Assess company based on business understanding and risks.

32:14 Deeply understanding businesses, using numbers to filter.

36:16 Think before reacting to news or events.

37:51 Thank you, wrap up, invest safely, reach out.

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Unveiling the World of Microcap Stocks with Expert Ian Cassel

Thu, 18 Jan 2024 05:00:00 -0000

an Cassel hails from the distinctive region of Lancaster, Pennsylvania, an area known for its Amish community and pastoral charm. His upbringing in such a unique environment holds a special place in his life story, though it may not directly correlate to his professional journey. His narrative took a pivotal turn in the late 1990s when, as a teenager living through the dot-com boom, his parents presented him with a life-altering decision.

With $20,000 saved for his college education, they laid out the realities of his financial support, prompting Ian to weigh his future academic aspirations thoughtfully. This early lesson in financial responsibility and weighing the value of education against potential debt would be a cornerstone experience that shaped his approach to life and eventual career choices.

00:00 Lancaster, Amish country, limited college fund decision.

05:08 Lucky investment leads to full-time investor.

06:23 Rapidly learned microcap investing, founded Microcapclub.com.

12:45 Small businesses require independent research and conviction.

13:37 Microcap investing often misunderstood, less failure than assumed.

19:47 Scaling from microcap to macrocap requires structure.

20:47 Microcap investing offers small investors unique advantages.

27:00 Disconnect stock price from business valuation for advantage.

28:10 Averaging down can be a risky skill.

33:55 Focus on management ownership, valuation, and diligence.

37:36 Microcap investments require careful consideration of liquidity.

38:33 Testing smaller positions, adjusting based on performance.

44:08 Small cap stocks offer competitive advantage for investors.

46:24 Microcap investor risk: Avoid dilution, unsound companies.

50:22 Follow me on X or Twitter (Ian Castle) for microcap investing advice and resources.

IFB326: The Intersection of Growth and Value in Investing

Mon, 15 Jan 2024 05:00:00 -0000

Welcome to The Investing For Beginners Podcast, episode 326! I'm your host Dave, joined by Andrew, as we explore the crucial connection between growth and value in investments.

We'll discuss how a company's revenue growth influences its value and the role profitability plays in its success.

In response to Liam's query, we'll share our strategies for tracking investments for taxes, using tools like spreadsheets and brokerage apps. Andrew and I will also delve into Dylan's question on whether to direct funds to a Roth 401K or a rollover IRA, highlighting the benefits for your financial future.

00:00 Company value hinges on sustained revenue growth.

05:55 Long-term success requires profitability, efficiency, sustainment.

07:47 Meta's value stock dislocation and growth.

13:09 Monitoring portfolio daily unnecessary; long-term holding strategy.

15:21 Tracking financial investments for taxes and appraisals.

19:25 Transfer old 401K to an IRA.

22:12 Maximize 401(k) benefits, stay focused.

23:33 Investment success depends on risk and effort.

27:50 Having a mentor can fast-track your success.

30:39 Stay humble in changing market conditions always.

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Andrew Giancola's Journey: Pickleball Facilities and Automated Finance

Thu, 11 Jan 2024 05:00:00 -0000

Dave: Hello, investors! Welcome to a thrilling episode of The Investing For Beginners Podcast. I'm Dave, alongside Andrew, and we've got a real treat for you today.

Andrew: That's right! Andrew G of the Personal Finance Podcast is here, sharing his journey from finance enthusiast to pickleball facility co-owner.

Dave: He's diving into the world of essential businesses, revealing the ins and outs of seller financing, and discussing his innovative efforts in Tampa's first indoor sports facility.

Andrew: Plus, we'll talk about the importance of automating finances and investment strategies, like why he's a fan of ETFs and maximizing tax-advantaged accounts.

00:00 Automate everything for efficient financial management.

05:32 Automating savings and tracking expenses with tools.

07:15 Reduce stress by financial optimization and automation.

10:07 Index funds and ETFs simplify my finances.

14:02 Baby boomer retirement sparks business acquisition interest.

19:00 Business model focuses on classes, not memberships.

22:25 Investing in business for higher returns.

25:23 Concerns about business competing with local pickleball courts.

27:02 Unique indoor sports facility seeks expansion opportunities.

30:29 Real estate creativity requires legal understanding.

35:56 Verify coin and machinery function for car wash.

37:23 Key partners essential for long-term business success.

42:48 Expand pickleball, diversify into multiple businesses, retire.

45:07 Changed tree display, created additional revenue streams.

47:36 Encouraging listeners to check out dynamic podcast.

You can learn more about Andrew here:

The Personal Finance Podcast

Mastermoney.co

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IFB325: Activist Investors: Reshaping Companies like Crown Castle

Mon, 08 Jan 2024 05:00:00 -0000

Welcome to The Investing For Beginners Podcast, I'm Dave, and with me is the astute investor, Andrew. In episode IFB325, we're unpacking the substantial yet sometimes stealthy impact of activist investors on key players like Crown Castle and PayPal. We'll discuss the role of renowned investors like Bill Ackman and George Soros in driving, or derailing, a company's success.

We'll explore what happens when activist investors begin calling the shots, the transformation they can bring, their potential for value destruction, and the delicate balance of corporate governance they disrupt. Plus, we'll talk about the implications of founder control, citing examples like Elon Musk at Tesla.

00:00 Leverage buyouts and activism affect investments.

04:45 Activist investors force change in companies' strategies.

09:39 Shareholders' influence on company and board structure.

12:47 Elliot drove change amid PayPal's struggles.

15:28 Activist investors focus on short-term value.

19:01 Change of heart, motivations, and company impact.

23:11 Depend on majority owners, simplicity of businesses.

25:50 Success of tech companies depends on leadership.

29:57 Understanding activist investing: motivations, impact, and outcomes.

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Wisdom from Buffett and Munger: Brian Feroldi Talks Quality Investing

Thu, 04 Jan 2024 05:00:00 -0000

Welcome to The Investing For Beginners Podcast. I'm Dave, and with me is Andrew. Today's episode, features special guest Brian Feroldi, who joins us to explore the wisdom of capital efficiency through the lens of storied investments like See's Candy. We pay tribute to investing legend Charlie Munger and discuss how his teachings have influenced the most successful investors.

Diving into the strategies of investing, Brian gives us his take on the risks and considerations of averaging down in the stock market. We look at cases like Uber's financials versus its stock price as we untangle the complex relationship between a company's story and market perception.

Brian also shares his educational endeavors and disciplined investing approach, emphasizing the significance of business fundamentals over market noise. Expect a wealth of knowledge and actionable insights for your investment journey. Let's jump right in!

00:00 Buffett led me to Munger; invaluable financial wisdom.

04:23 Munger influenced Buffett's value investing strategy.

07:56 Buffett emphasizes importance of capital light businesses.

12:05 Investing in index funds is safer than stocks.

16:14 Uber stock improving despite past profitability concerns.

17:24 Stock's value = today's numbers x future story.

20:37 Focus on financial fundamentals and business stability.

25:58 Limit capital allocation to 3% portfolio.

28:22 Tech stocks driving market, reminiscent of dotcom boom.

31:07 Free 5-day stock investing school course offered.

IFB324: The Art of Portfolio Diversification and Stock Picking Frequency

Mon, 01 Jan 2024 05:00:00 -0000

Hello, investors! Welcome to episode 324 of The Investing For Beginners Podcast. I'm Dave, here with Andrew. Today, we're answering a listener's question on how to smartly invest $100 a week in top-tier companies like Apple and Google. We're discussing the power of consistent investing, strategic compounding, and aligning your retirement goals with your investment plan.

We'll talk about the merits of investing a set amount monthly versus investing as much as you can when you can. Andrew shares his insights on creating a solid checklist for evaluating businesses, while I weigh in on when to sell stocks based on business fundamentals.

Expect to learn about crafting your own investing checklist with tips from investment legends, dive into the complexities of capital gains taxes, and the significance of getting professional tax and investment advice. Don’t miss our thoughts on diversification and the stress of frequent stock picking. Ready to boost your investing IQ? Let's jump into the mix!

00:00 Retirement costs vary based on lifestyle choices.

04:47 Consistency in investing is key for progress.

06:53 Monthly stock picking provides valuable research time.

12:22 Microsoft acquired Activision Blizzard in all-cash deal.

16:05 Broker helps simplify capital gains tax process.

19:23 Key questions drive understanding of Amazon business.

21:11 Understanding business models simplifies complex technology.

27:17 Evaluating investments: checklist, numbers, business dynamics, competition.

31:42 Focus on business fundamentals for investment decisions.

33:22 Balancing opportunities while avoiding constant change.

36:26 Prioritize risk factors to identify opportunities faster.

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Investing in Financial Knowledge with Val Agostino of Monarch Money

Thu, 28 Dec 2023 05:00:00 -0000

Hello everyone, and welcome to The Investing For Beginners Podcast. I'm your host, Dave, and together with Andrew, we're excited to welcome Val Agostino on today's episode. Val is not just an expert in personal finance, but also the co-founder and CEO of Monarch Money, a trailblazing financial management platform.

Today's discussion, Val, will focus on the critical importance of building financial security and the pitfalls of relying on free apps that may compromise your privacy. Val brings his extensive experience from his time at Mint and discusses MonarchMoney.com's mission to align with users' financial goals without selling personal data.

Get ready to explore the value of consistent financial action, the advantages of a user-centric paid platform, and the power of collaboration in money management. It promises to be a deeply informative session, perfect for anyone looking to enhance their financial savviness.

Go to monarchmoney dot com/BEGINNERS for an extended 30 day free trial.

00:00 Fascination with Internet led to 5 startups.

04:17 Entrepreneurial advice: Find passion, gain experience first.

07:04 Product manager: connector between market and product.

10:19 Mint shows financial info, but what's next?

15:30 Mint's shutdown was inevitable due to expenses.

16:29 Consumers expect free apps, leading data concerns.

21:22 Calculate emergency fund, set goals, track spending.

23:37 Money should be collaborative, not isolating.

28:47 Monthly financial review fosters open communication, cooperation.

30:24 Analyze spending, income, prioritize goals, create future.

35:33 Passionate about alleviating financial stress through software.

37:02 Easy to use, highly recommended, absolute love.

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IFB323: Understanding the World of Utilities - Analyzing Southern Company from a Beginner's Perspective

Mon, 25 Dec 2023 05:00:00 -0000

Welcome back to the Investing for Beginners Podcast! In today's episode, Dave and Andrew dive into some thought-provoking listener questions. They start off by addressing the popular query: "Is Robinhood a good starter investment?" The hosts engage in a comprehensive discussion about the investment potential and risks associated with the company.

They proceed to tackle a captivating question from a college student seeking advice on investing in their late 20s. The hosts offer valuable insights on how to approach investment opportunities with limited funds and ample time.

Lastly, they break down the nuances of analyzing utilities as investment options, shedding light on the specific characteristics of these companies and the reasoning behind their investment appeal.

00:00 Investing for Beginners podcast, episode 323, Q&A.

05:51 Learning fundamentals for sound investment decisions, ratios, earnings.

09:15 "New investors should be cautious and patient."

10:39 Consider stock choice beyond low share price.

16:47 Southern Company likely a steady, income-focused investment.

20:00 Utilities face challenges in funding and margins.

21:07 Utility investments require significant financial support.

25:40 Utility investment, long-term, with renewable potential.

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Remembering Charlie Munger: Personal Reflections on a Legendary Investor's Impact

Thu, 21 Dec 2023 05:00:00 -0000

In this episode of the Investing for Beginners Podcast, hosts Dave and Andrew pay tribute to the late great Charlie Munger, sharing personal thoughts on his impactful life and investing legacy. They delve into the perseverance and resilience demonstrated by Munger, discussing the mental models and methods he employed in his investing journey. Highlighting Munger's enduring love for learning, the hosts offer insights into his extraordinary mindset and the valuable lessons that can be gleaned from his experiences. Join us as we celebrate the enduring wisdom of Charlie Munger and explore the profound impact he has left on the world of investing.

00:00 Podcasts discussing finance and Charlie's impact.

04:32 Overcome struggles, focus on moving forward.

08:15 Charlie was modest and underrated, but impactful.

12:27 Learned value of inversion in investment strategy.

14:40 Explore Bitcoin, invert thinking, experiment with diet.

18:02 Costco's enduring strength and potential challenges summarized.

22:56 Irresistible olives create strong cravings and connection.

25:25 Endlessly curious, always learning, never content.

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IFB321: Getting Started with Investing in Stocks - Easy Steps for New and Tight Budgets

Mon, 18 Dec 2023 05:00:00 -0000

In this episode of the Investing for Beginners Podcast, Dave and Andrew address three listener questions, offering valuable insights and tips for investing. The first question focuses on getting started with stock investing on a tight budget, discussing the simplicity of opening a brokerage account and making initial investments. Next, they tackle the age-old dilemma of whether to focus on ETFs or individual stocks for long-term investing, emphasizing the importance of aligning investment strategies with individual goals and interests. The episode concludes with a heartwarming and practical discussion about setting up investment accounts for children and teaching them essential financial skills from an early age. Join Dave and Andrew as they delve into these important investment topics and provide valuable guidance for listeners.

00:00 Start investing now, it's easy and free.

05:02 Debt advice: find affordable strategies, pay more.

08:45 Define goals, understand before picking individual stocks.

10:00 Invest in ETFs, diversify with some stocks.

15:36 Teaching daughter to save and invest money.

17:06 Encouraging long-term investment habits for daughter.

20:49 End of conversation. Thanks for questions. Email more.

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IFB320: The Art of Analyzing Stock Price Drops and Investment Fundamentals

Thu, 14 Dec 2023 05:00:00 -0000

Welcome to episode 320 of The Investing For Beginners Podcast! I'm Dave, here with Andrew, and today we're tackling how to invest smartly in company assets, sidestepping management pitfalls. We'll discuss the art of reading annual reports, deciphering ownership structures, and the nuances of investing in yieldcos.

Market downturns can be unnerving, so we'll help you analyze when a stock's price drop is a buying opportunity or a red flag. We’re also sharing insights on when to buy, hold, or sell based on a company's fundamentals.

Plus, in response to a question from our listener David, we'll delve into strategies for minimizing taxes within different investment accounts and the specific considerations around yieldcos versus utilities.

Ready for actionable investment wisdom? Stay tuned as we empower your investing decisions with clarity and confidence. Let's dive in!

00:00 Roth vs. traditional IRA and taxable brokerage.

03:16 Annual reinvestment may incur tax consequences.

07:51 Query about yield code and utility company stock.

12:35 Choosing between equity company and yield co depends.

14:19 Ownership of MLP led to tax frustration.

18:15 Read annual report, understand ownership structure. No shortcuts.

21:39 Analyze stocks based on fundamentals and numbers.

23:27 Evaluate stock fall, stick to fundamentals, reevaluate.

27:20 Rarely sell, considering company's portfolio & stock price.

30:13 Parent company debt level looks manageable, needs examination.

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The Investing Journey: Insights from Jeff & Jason of Investing Unscripted

Mon, 11 Dec 2023 05:00:00 -0000

Welcome back to another episode of The Investing For Beginners Podcast – I’m Dave, here with Andrew, and today we're thrilled to chat with two ace investors from the Smattering Show (now changed to Investing Unscripted) – Jeff Santoro, known on Twitter as Market Musician, and Jason Hall, whose handle is @_TheSmattering. Both are esteemed contributors at Motley Fool and bring a wealth of experience and unique perspectives to our discussion.

In this episode, Jeff talks about his evolution from a music teacher to an astute investor, emphasizing his research-intensive strategy and a careful approach that values input from diverse sources. He’s transparent about his growing investments and his significant stake in index funds.

On the flip side, Jason stresses the need to question investment theses rigorously and his preference for a mix of stable, dividend-paying companies and growth stocks. His narative on an investment that didn’t pan out provides a sobering lesson on risk and resilience.

Together, they’ll touch upon the psychological aspects of investing, the importance of having a disciplined strategy to avoid rash decisions, and the role of technology in today’s investing landscape.

This episode is not just about stock picks and strategies—it also delves into the critical topic of financial literacy, reflecting on its current state within the educational system.

Prepare for a mix of engaging stories, seasoned advice, and thoughtful reflections on the world of investing. Don’t miss out on this insightful conversation with Jeff and Jason. Let's dive in!

Jason Hall Twitter(X) @TheSmattering

Jeff Santoro Twitter(X) @marketmusician

Investing Unscripted Twitter(X) @InvestingPod

Investing Unscripted

00:00 Realized lack of savings, found passion writing.

05:46 Morgan Household inspires through transformative business ventures.

09:10 Investing in familiar, big brand stocks over time.

11:56 Circuit City, CarMax stock surprise, profitable discovery.

14:33 Work busier = less urge to trade.

16:57 Managing urge to take action as investor.

21:17 Lesson in unexpected outcomes, diversification as protection.

23:58 Overbought stocks at high prices, learning from mistakes.

28:27 New to business, seeking input for growth.

31:39 Investing in stocks, diversifying, and focusing on stability.

35:36 Diminishing returns on knowing everything about business.

38:57 Wishing I knew the importance of starting early.

40:52 Supports teaching financial literacy in school and at home.

43:45 Podcast helped start investing journey during pandemic.

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IFB319: Cutting Losses: A Guide to Exiting Bad Investments

Thu, 07 Dec 2023 05:00:00 -0000

Welcome to the 319th episode of "The Investing For Beginners Podcast"! I'm Dave, and with me as always, is Andrew. Today we're diving into reader's questions on spin offs and when to quit an investment experiencing losses. With expert insight into the hidden potentials of spin offs and the crucial signs that indicate if it's time to sell, join us as we explore these key investing challenges. We'll also be throwing light on assessing growth industries like EV, AI, and Internet Security, and sharing some personal tales from our investing journey. Let's settle into an exciting episode, and as always, we welcome your thoughts on these topics.

02:12 Market fluctuations affect short-term company performance. Long-term performance is determined by financials. Difficulty assessing company without ticker symbol. Possible sector impact not ruled out.

05:27 Fundamentals performing, profitable business or cut bait.

08:22 Explanation: Stock spinoffs can vary in terms.

10:55 Spin-offs can unlock great business potential.

14:16 Changes in financials: margins, income, metrics. Watch for payoffs or gradual declines.

15:38 ROIC trend determines company success over time.

20:06 High growth stocks need different portfolio mix.

22:58 Infrastructure's necessity, winners uncertain, growth uncertainty.

26:07 AI industry, internet security - my two.

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Diving into Web Three and Gaming with Crypto Expert Brian Evans

Mon, 04 Dec 2023 05:00:00 -0000

Dave: Welcome everyone to another episode of The Investing For Beginners Podcast, I'm Dave, joined as always by Andrew. Today, we have a very special guest - Brian Evans. Brian is a founder, investor, Inc. 500 entrepreneur, and a key voice in the crypto, gaming, and web three sphere.

Andrew: In our conversation today, we'll dive into some exciting developments about the rise of gaming as a major category influencing other industries, and how its concepts have shaped the evolution of Ethereum and other crypto projects. We'll also explore how crypto and web three are transforming power dynamics, providing interesting alternatives to the mainstream concentration of power by large entities.

Dave: And of course, we'll discuss the growing institutional investor interest in cryptocurrencies, the increasingly powerful role of NFTs, blockchain's impact on gaming, the shift from Web 2 towards Web 3, and much more. Brian's insights are sure to provide meaningful context for those interested in understanding the expansive reach of these technologies.

Andrew: Exactly, Dave. For all those looking to get a grip on the future of digital art, understand the impact of blockchain on the gaming world, or simply learn how to navigate this new era of the internet, you're in for a treat. So without further ado, let's jump right in.

00:44 Marketing agency founder leaves rat race, embraces Ethereum.

06:01 Internet evolution: Read, write, own digital assets.

09:00 Own your virtual world and digital assets.

11:08 Contestant creates blockchain transactions, builds marketplace.

13:25 Ownership is the natural progression for gaming.

17:39 One hit leads to more innovation in tech.

22:17 Transitioning to Web 3 gaming concepts, challenges.

24:15 Focus on what it does, not technical details.

26:41 Game development has evolved from basic to 3D. Blockchain adoption supported through educational games.

30:03 Controversy surrounds third-party backup for crypto.

33:25 Excitement about NFTs, discussed on podcast.

37:54 Gamer-created crypto challenges monopolies, promotes decentralization.

40:45 Appreciate your time, excited to learn more.

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Investing Basics with Jeremy Schneider of Personal Finance Club - The Secret to Building Wealth

Thu, 30 Nov 2023 05:00:00 -0000

Welcome to a special episode of the Investing for Beginners Podcast. Today, we welcome our guest, Jeremy Schneider—an internet entrepreneur who turned his financial life around and now shares his wisdom through his venture, Personal Finance Club. From budgeting to diversifying investments, learn about Jeremy's straightforward approach to successful investing. We delve into the importance of living below your means and the power of indexing. Join us as we exchange thoughts on financial education, credit card usage, and innovative financial concepts like branded index funds and advice-only financial services. Stay tuned to hear Jeremy's personal investing strategies and how automatic investments into index funds have brought him success. Let's talk about how discipline in spending, informed investing, and staying focused on your financial goals can lead to meaningful wealth. Let's dive right in!

01:43 Summary: Read books on personal finance, noticed same message. Pop culture promotes spending, debt, materialism. Real path to wealth is spending less, investing consistently. Quit job, took a year off, started personal finance club to help friends.

04:18 Financial independence leads to existential crisis

09:01 Confusion, frustration, but finally booked flight.

09:41 Credit cards tempting, rationalizing spending for points.

15:04 Spending doesn't make you rich; habits matter.

18:12 Overcoming inertia is key to starting.

21:55 Link bank account, transfer money, buy stocks.

25:54 Simplicity and low expense ratios benefit investments.

29:54 Many ways to invest, don't overcomplicate it.

32:43 Mutual funds buy in dollars, not shares.

36:40 Lack of financial education feeds debt cycle.

40:09 Finding good financial advisors: learn to invest.

42:32 Easy way to find advisors and more.

44:19 We enjoyed talking to you, Jeremy. Thanks!

IFB318: Andrew's Valuable Insights - A Conversation on Building and Evolving an Investment Portfolio

Mon, 27 Nov 2023 05:00:00 -0000

Welcome back to another episode of the Investing for Beginners Podcast! In today's episode, we have a special treat as we interview Andrew and delve into his investing journey and the evolution of his portfolio. We'll discuss the lessons he's learned, the changes he's made, and the valuable insights he's gained over the years. From adjusting his investing style to understanding the importance of both numbers and narrative, Andrew shares his experiences and reflections. Join us as we explore the ever-changing world of investing and how it shapes our portfolio strategies. So sit back, relax, and let's dive into this insightful conversation on investing and building a successful portfolio.

00:59 Learning what works for your style, goals.

05:14 Understanding finance as a storytelling detective.

06:24 Price and narrative matter for long-term investing.

13:01 Cyclical industry tied to supply and demand; innovation persists even during slowdowns.

16:38 Company's success relies on humble confidence.

20:18 Value Spotlight reveals valuable insights for investors.

21:58 Price of Value Spotlight newsletter increased to $49.

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IFB317: Listener Q&A - Navigating Market Turbulence with Long-Term Investments

Thu, 23 Nov 2023 05:00:00 -0000

From figuring out profitable business models to spreading investments across sectors, we've got it all covered in this episode. Get ready for some discussions on the importance of aligning your business goals with your passion and the value your business can contribute. We'll also explore the passive approach of owning the entire stock market, strategies of selective sector investing, and the long-term viability and challenges in the REIT business. We'll address questions about accurately measuring returns and the discussion never gets “dinky” when we talk about investments and the importance of adopting a long-term perspective.

00:56 Smart guys at Microsoft pivoted to cloud.

05:46 Choose investor type wisely, diversify, avoid speculation.

06:44 Chasing business cycles is risky; diversification is better.

11:11 Navigating investment sectors requires caution and research.

13:28 Anticipated recession, uncertain but holding on.

19:17 End result matters, not short-term performance.

20:17 End result matters more, less short-term stress.

24:34 Uncertain future, proceed with caution in investments.

29:06 Contractual setup reveals REIT debt and potential market share.

30:52 REIT dividend offers temporary pain relief, long-term usage.

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Building a Diversified Portfolio: Exploring ETFs and Comparing Different Areas with Long-Time Listener Ali

Mon, 20 Nov 2023 05:00:00 -0000

Welcome back to another episode of The Investing For Beginners Podcast! In today's episode, we have a special guest joining us, Ali, a dedicated listener and newer investor who has some interesting insights to share. Ali began investing in 2021, focusing on building an emergency fund before diving into the world of stocks and ETFs. We'll discover Ali's investment strategy, including his approach to diversification, his thoughts on international investing, and his preference for certain sectors. Ali also reveals his risk tolerance and the factors that influence his investment decisions.

00:00:34 Thankful for the podcast, started investing in 2019.

00:05:03 Follow portfolio picks, with a few exceptions.

00:07:04 Hopeful for growth, no bonds for now.

00:09:50 Took a risk investing in dogecoin.

00:13:11 Good outlook for Texas Instruments, unsure about TSM.

00:18:49 Expense ratio crucial; wary of international investing.

00:21:00 Stick with what I know, but international opportunities exist.

00:24:00 More international companies on NYSE/Nasdaq desired.

00:27:38 Good idea, like your financial future journey?

00:32:27 Interest rates drive demand for treasury bonds.

00:35:20 Questions about using government website for bond investments.

00:36:49 Bond funds buy bonds of different maturities.

00:41:06 Personal question. My take: Feraldi's graphic on Twitter shows stock market probabilities. Bonds and stocks affected by interest rates. Stocks driving index.

00:45:35 Options for $2,000: T-bills or savings accounts.

00:47:47 T bills are liquid, bank accounts are slow.

00:51:52 Optimize investment or optimize pick? Time matters.

00:53:48 Thank you Ali for your time. Appreciate.

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IFB316: Sales to Capital Ratio: The Key Metric for Predicting Company Growth

Thu, 16 Nov 2023 05:00:00 -0000

In this episode of the Investing For Beginners Podcast, Dave and Andrew dive into the often overlooked metric, the sales to capital ratio. They discuss why investors should care about this ratio, its relation to capital efficiency and growth, and how it can help determine a company's potential. They also provide examples of companies with different sales to capital ratios and offer tips on using this tool effectively. Tune in to gain valuable insights into analyzing company growth and making informed investment decisions.

02:51 One company grows slowly, another grows rapidly.

06:35 Walmart sells items, Netflix creates and sells shows.

09:53 Use averages to mitigate abnormal sales fluctuations.

13:00 Fast growth early, then profit and stability.

16:39 Measure revenue growth based on company assets.

20:01 Biserve grows revenue, FIS plans spin-off.

23:45 Wrap up sales to capital ratio talk. Subscribe, review, visit envestingforbeginners.com.

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The Journey of Becoming an Investor: Learning, Analyzing, and Improving with Long-Time Listener Gilbert

Mon, 13 Nov 2023 05:00:00 -0000

On this episode of The Investing For Beginners Podcast, we have a special guest Gilbert. Gilbert shares his experiences using payment apps like Cash app and his interest in investing and public speaking. Dave and Andrew discuss the overwhelming number of payment options available and how to leverage passions to generate passive income for investment. They dive into Gilbert's plans to grow his dance teaching business and his quest for knowledge on taxes, balance sheets, and increasing income. The hosts also explore the importance of aligning investments with personal goals and interests. Along the way, they share tips and insights for navigating the world of investing.

[00:00:43] Excited guest cites frustration with investing confusion.

[00:04:11] Investing: fear, uncertainty, family's lack of knowledge.

[00:08:55] Princeton choir unaware of potential in investing.

[00:11:22] Maintaining story and analyzing company performance. Emotional challenges, long-term positioning, and disciplined investing.

[00:14:56] Limited understanding, gained wisdom from monthly picks.

[00:18:57] Long-time viewer praises app's user-friendly content.

[00:20:48] Identify, analyze, and benefit from company aspects.

[00:26:15] Taxes, balance sheets, income increase, investment hurdles.

[00:28:51] Learns about taxes and plans accordingly.

[00:31:44] Minimize taxes with long buy & hold strategy.

[00:37:39] No free lunch in finance, trade-offs exist.

[00:41:54] Consider goals, trade-offs, and investments wisely.

[00:45:55] Too many payment options can be overwhelming. Simplify.

[00:48:40] Multiple opportunities to teach dance and public speaking, helping others overcome stage fright.

[00:51:47] Opportunities for dance club growth explored.

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IFB315: Listener Q&A - Analyzing Rivian, Will They Become the Next Tesla in the Electric Vehicle Market?

Thu, 09 Nov 2023 05:00:00 -0000

Welcome to another episode of The Investing For Beginners Podcast! In today's episode, hosts Dave and Andrew dive deep into the world of electric vehicle companies, focusing on the intriguing case of Rivian and its potential to become a major player in the industry. They analyze the factors that may hinder or boost Rivian's success, drawing comparisons to the renowned Tesla. With insights on market competition, financial considerations, and the importance of believing in a company's story, Dave and Andrew provide valuable advice for investors navigating this dynamic landscape.

00:02:49 Huge IPO success for car company without revenue.

00:05:27 Rivian may be falling behind Tesla, Ford.

00:09:44 Less than 1% electric cars on road.

00:12:02 High-risk stock requires belief in execution.

00:14:13 Infrastructure built 15 years ago drives Tesla.

00:18:54 Company generated cash from going public, but faces future dilution and need for more capital to grow.

00:22:25 Rivian benefits from Tesla's groundwork on EVs.

00:25:48 Tesla may have provided a blueprint for Rivian's success.

00:30:04 Limited portfolio exposure suggested for smaller company.

00:33:40 Investing in many companies to find success.

00:35:03 Not a fan, but I respect them.

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IFB314: Listener Q&A - Learning How to Evaluate Potential Growth Opportunities

Mon, 06 Nov 2023 05:00:00 -0000

Welcome back to another episode of The Investing For Beginners Podcast! In today's episode, hosts Dave and Andrew dive into a wide range of topics, from analyzing potential growth opportunities for companies to the importance of understanding the lifecycles of businesses. We'll also discuss the complexities of projecting future growth and the significance of building a diversified portfolio. Plus, we'll explore investment strategies for beginners and answer listener questions about stock exchanges and portfolio diversification.

00:01:21 Hesitant to commit, seeking advice on stock exchanges.

00:05:05 Invest wisely, save, and develop good habits.

00:09:15 Assuming accumulation phase, long time horizon: no immediate diversification necessary.

00:10:46 Diversify, hold for long term, build wealth.

00:15:27 Diversification affects returns; owning many stocks matter.

00:19:38 Portfolio diversification is important, aim for 15-20 companies.

00:20:36 Understanding evolving businesses and their lifecycles.

00:26:26 Quickly visualize data with CAGR calculations.

00:29:16 Visa's growth drivers: cross-border payments, Visa Direct

00:33:35 Use your own estimate, not management's.

00:35:30 Company growth projections protect, but be cautious.

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IFB313: Deciding How to Invest - Balancing Risk and Return with Your $10,000

Thu, 02 Nov 2023 04:00:00 -0000

Welcome to Episode 313 of the Investing for Beginners Podcast! Today, Dave and Andrew answer three great listener questions. But before we dive in, we wanted to remind you to send us your burning investing questions at newsletter@envestingforbeganners.com. In this episode, we address a question from Lisa, a beginner investor who is looking for advice on what to do with her existing $10,000 in her Roth IRA account. Dave and Andrew discuss the importance of understanding personal goals, risk tolerance, and time horizon when making investment decisions. They also highlight a helpful resource, Financialbirdsbees.com, which offers a free lump sum calculator to guide investors in finding the best investment approach. Tune in to gain insights on how to navigate investing strategies tailored to individual needs and preferences.

00:02:09 Financial calculator guides users on personal finance.

00:05:19 Decide time, research, and invest carefully.

00:06:25 Diverse investments: index funds and stocks.

00:12:23 Questrade: low fees, 90-day trial, live prices.

00:15:49 Seek advice from successful investor, analyze investments.

00:17:26 Open Questrade account, buy a stock, analyze. Write down thoughts and emotions daily.

00:20:39 Understanding Constellation Software takes real investigation, even losses. Initial success can blind you; my first pick, Microsoft, was lucky. Learning from failed investments broadens knowledge. Keep a journal to track insights.

00:23:43 Ask questions, write, share, learn, improve.

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Mastering Your Finances: Numbers, Budgeting, and Planning for a Stress-Free Holiday Season

Mon, 30 Oct 2023 04:00:00 -0000

Welcome back to another episode of The Investing For Beginners Podcast! Today, we have a special episode focused on a topic that affects us all: budgeting. We're joined by our guests, Chris and Evan, as we dive into the importance of knowing your numbers and planning ahead for your financial well-being. In this episode, we'll discuss strategies for budgeting during the holiday season, the often-overlooked expenses that can sink your budget, and the dangers of relying on Black Friday deals.

We'll also tackle the topic of making major financial decisions and the significance of automating your savings and investments. Finally, we'll introduce a valuable resource, the Financial Birds and Bees product bundle, designed to provide financial guidance for young adults. So, grab your pen and paper, and let's get started on the path to financial success!

00:01:37 Know your numbers, plan, and enjoy holidays.

00:04:33 Underestimating miscellaneous spending can derail budgets.

00:08:19 Monitor spending to avoid excessive holiday expenses.

00:10:04 Financial stress makes holidays less enjoyable.

00:12:16 Track prices, avoid Black Friday, exploit opportunities.

00:15:49 Avoid making major financial decisions too quickly.

00:20:00 Automate saving and investing for financial growth.

00:24:34 Promotion ≠ New car. Math doesn't add up. Don't be fooled.

00:27:38 Use a retirement calculator to plan savings.

00:31:10 Financial Birds and Bees: Bundle Supporting Young Adults' Finance Journey

00:34:50 Appreciate you, educate, finance, help, crucial, applaud, react.

00:35:59 Wrap up show after guests discuss importance.

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Bird's Eye View of the Smart Phone Industry

Thu, 26 Oct 2023 04:00:00 -0000

Welcome back to another episode of The Investing For Beginners Podcast! In today's episode, we're diving deep into the world of smartphones and exploring the investment opportunities that lie within. There's been a lot of talk about the impact of 5G technology and the role of cell phone towers, and we'll discuss how these factors are affecting the industry's financial results. We'll also explore the essentiality of cell phone towers for cell service and data processing.

But it's not just the towers that are capturing our attention. We'll explore the competitive advantage that Apple has with their ability to manufacture phones and semiconductors, and how this gives them a unique edge in the market. We'll also delve into other potential investment avenues within the smartphone industry beyond the big players like Apple, Samsung, and Google.

Join us as we discuss the investment potential of telecom companies like AT&T and T-Mobile, semiconductor giants like Micron and Qualcomm, and the exciting prospect of the 5G rollout. We'll share our thoughts on structuring a successful investment in the smartphone industry and the importance of diversification.

So grab your headphones and get ready for an insightful and informative episode on investing in the ever-evolving world of smartphones. Let's dive in!

00:01:55 85.8% of the population uses smartphones.

00:04:19 Micron, Qualcomm, Skyworks - crucial iPhone components.

00:07:57 5G towers face negativity, impact financial results.

00:12:43 Endless VR competition disrupts Apple vs. Samsung.

00:14:27 Apple and Samsung have different pricing strategies.

00:18:16 Value Spotlight subscription: it depends on timing.

00:20:19 Semiconductors at risk of obsolescence due to competition.

00:24:47 Transition away from core competency. Limited returns. 5G potential for faster connectivity.

00:27:11 Potential for Verizon and AT&T growth in streaming.

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IFB312: Achieving Optimal Investment Balance for Different Age Categories

Mon, 23 Oct 2023 04:00:00 -0000

Welcome to episode 312 of the Investing for Beginners Podcast! Today, we have two thought-provoking questions to dive into. The first question comes from Nami, who asks about the best efficient portfolio breakdown management for different age categories. Dave and Andrew discuss the importance of considering your stage in the personal finance journey, rather than simply relying on age. They also explore how the traditional 60/40 rule (60% stocks, 40% bonds) may not be the best strategy for younger investors with a longer timeline for accumulation. However, as retirement approaches, a more conservative allocation may be beneficial to mitigate market downturns. Tune in as they break down these concepts and provide insights on structuring your investment portfolio effectively based on your personal financial goals.

00:00:30 "Align investment philosophy to personal finance journey."

00:05:01 Risk tolerance, portfolio allocation, time horizon, compounding.

00:09:12 Bonds to stocks, 60/40 strategy still effective.

00:12:37 Invest smartly for balanced growth and security.

00:13:43 $400,000 for 30 years is $13,000/year. Choose wisely for a better future.

00:18:37 Curiosity drives fascination in stock market industry.

00:21:49 Netflix's success, Reed Hastings, and stock market fun.

00:25:50 Index funds and stock picking both have advantages, but it depends on the index composition. Currently, top three SP companies are Apple, Microsoft, and Google, which is difficult to beat. But other stocks like Tesla and big oil companies have also had high influence on the S&P 500. The S&P and ETFs are becoming more concentrated. Over time, ETFs may only yield a small annual percentage increase.

00:26:49 Higher returns generate exponential wealth for portfolios.

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IFB311: Exploring Passive Income Opportunities and Our Top Financial Mistakes

Thu, 19 Oct 2023 04:00:00 -0000

In this episode of the Investing for Beginners Podcast, Dave and Andrew dive into the topic of passive income. They discuss their thoughts on what truly constitutes passive income, debunking some common misconceptions. They also explore the idea of investing as a reliable source of passive income, highlighting the potential benefits of index funds and dividend reinvestment. Additionally, they caution listeners about the realities of real estate investing and the amount of effort it can require. Finally, they offer practical tips on how to accelerate passive income, including negotiating higher salaries, seeking new job opportunities, and investing in education and skills development. Tune in to this insightful episode to gain valuable insights on generating passive income and avoiding common money mistakes.

00:02:16 Book writing isn't passive; requires promotion & effort.

00:05:40 Rent it, no problems, no responsibilities.

00:09:06 Effort needed for different monetary gains explained.

00:10:18 "Goal-focused, sustain effort; energy and motivation."

00:15:16 Credit card trouble, side job, eventual repayment.

00:17:24 High credit card interest rates cost you.

00:21:12 Learning from mistakes and understanding financial products

00:24:56 Lack of financial knowledge and guidance. Frustrating.

00:27:22 Wrap up show, subscribe, review, browse, sign up

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IFB310: Decoding the Numbers: How to Analyze Moats and Competitive Advantages in Business

Mon, 16 Oct 2023 04:00:00 -0000

Coming up on today's episode of The Investing For Beginners Podcast, Dave and Andrew delve into the concept of moats and how they relate to investing. They discuss the importance of understanding the stock market and its history, as well as the role of emotional intelligence in making informed investment decisions. They also explore the idea of studying historical market events and how they can provide valuable insights. Stay tuned as they analyze companies like John Deere and Apple to understand their competitive advantages and moats. Get ready to gain a deeper understanding of the investing world on this episode of The Investing For Beginners Podcast.

00:02:38 Understanding stock market history and growth.

00:06:06 Understanding the value of long-term investments.

00:07:05 Perspective matters: emotions, history influence investments.

00:11:17 Trade Republic highly recommended for buying stocks.

00:16:02 Moats and metrics impact business strategies.

00:18:12 Apple's strong moat drives high phone prices.

00:21:49 Great summary of book's competitive advantages/moats.

00:26:26 Network effect and switching costs drive loyalty.

00:28:35 Researched, consulted, and wrote about John Deere.

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IFB309 - Listener Q&A: How to Make the Most of Your $100 Investment

Thu, 12 Oct 2023 04:00:00 -0000

In this episode of the Investing for Beginners Podcast, Dave and Andrew tackle a listener question about investing with platforms like Robinhood and how much money is needed to generate good returns with less than $100. They discuss the importance of a long-term investing strategy and consistently investing over time, rather than expecting instant wealth. They also share insights on the risks of speculation and the importance of building investing habits. Tune in to learn more about sustainable investing and how to make the most out of your investment journey, regardless of your initial budget.

00:02:57 Begin investing in Tesla gradually, no need to buy one whole share. Start with a quarter, and steadily increase. Even small monthly investments can add up over time.

00:05:39 Buy what you use for investing success.

00:08:41 Less focus on individual players in fantasy baseball.

00:13:05 Relevance of product in business analysis important.

00:15:39 Understand investing as long-term business ownership.

00:18:10 Unpredictable market fluctuations caused by various factors.

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Getting Started with Your 401K: Overcoming Obstacles and Finding Reliable Resources with Laura Adams

Mon, 09 Oct 2023 04:00:00 -0000

Welcome back to another episode of The Investing For Beginners Podcast! In today's episode, we have a special guest joining us, Laura Adams from the Money Girl Podcast. Laura shares her experiences and insights into navigating the world of personal finance and investing. We'll dive into the challenges individuals face when it comes to tax-advantaged accounts, the importance of seeking financial advice, and the power of automation in saving for retirement. Laura's journey, from studying science to pursuing entrepreneurship and real estate, offers a unique perspective that will resonate with our listeners. So, whether you're just starting out or looking to refine your financial strategy, this episode is packed with valuable tips and stories that will help you on your financial journey. Let's jump right in!

00:01:57 Science undergraduate, entrepreneurial, real estate, MBA, personal finance

00:06:29 Limited help, 401K advice scarce from Wells Fargo.

00:09:29 Tax advantages make investing in Roth worthwhile.

00:13:23 Self-employed? Consider retirement accounts for savings.

00:17:12 Passive approach to stocks, use advisor.

00:18:55 Different types of investors in 401k.

00:24:32 Start planning for retirement five years before.

00:28:10 Savings rates have shifted; CD accounts attractive.

00:29:03 Investing wisely is crucial for financial success.

00:34:12 Consider talking to your boss for options. Automate payroll into your IRA for savings.

00:37:15 Appreciate Laura's work in teaching money.

FInd out more about Laura here:

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IFB308: Listener Q&A - Learning from Mistakes: Understanding Capital Allocation and Due Diligence in Investments

Thu, 05 Oct 2023 04:00:00 -0000

Welcome to another episode of The Investing For Beginners Podcast! In today's episode, Dave and Andrew dive into a plethora of investment topics and provide valuable insights for listeners. They discuss Warren Buffett's management strategies, the importance of evaluating company performance, the role of soft skills and company culture, and much more. Join them as they delve into the world of investing and share their expertise on making sound investment decisions. Stay tuned for an enlightening and informative episode of The Investing For Beginners Podcast!

00:00:31 Equal percentage position sizing for diversified portfolio.

00:04:01 Adjusting & comfortable with Warren managing money. Recommended allocation starting at 5%. Don't focus on position sizing fluctuations.

00:09:00 Staggered reaction to market events, hedging explained.

00:10:09 Consistency in pension fund payments, long-term outlook. Expensive hedging alternative.

00:15:53 Analyze ROIC numbers over different time frames and CEOs.

00:19:52 Observing how management treats others is key.

00:22:29 Questioning sudden shift in importance and metric changes.

00:25:07 Allocation, mistakes, integration, diligence - important for success.

00:31:00 Use control F to search financial statements.

00:31:41 Wrap up conversation, subscribe, review, browse, grow, sign off.

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Building Knowledge, One Company at a Time: Tips for Studying and Analyzing Businesses with Chit Chat Money

Mon, 02 Oct 2023 04:00:00 -0000

In this episode of The Investing For Beginners Podcast, Dave and Andrew are joined by Ryan and Brett from Chit Chat Money. They dive into their journey of learning about finance and investing, the importance of valuation, the benefits of becoming a shareholder, and the value of focusing on specific industries. They also discuss their recent podcast themes, the impact of biases on investing decisions, and the shift towards finding businesses with durable growth and profitability. Tune in to gain valuable insights and tips for your investment journey.

00:00:39 Ryan's funny investment journey with inheritance money.

00:03:24 Learning finance basics, evolving strategy over time.

00:08:13 Investors can overpay for businesses; rarity matters.

00:12:38 We consider diversification in industry and factors.

00:15:41 Visa is safer, smaller position for portfolio.

00:18:45 Don't buy too many stocks when starting.

00:19:35 Get involved as a shareholder for learning.

00:24:04 Position sizing: started at 6%, flexible range.

00:25:59 Biweekly ranking helps identify biases in decisions.

00:31:34 Podcast helps avoid bias by diversifying research.

00:35:31 Do thorough research on watch-list companies.

00:38:30 Monthly themed episodes explore repurchases and fallen angels, highlighting honesty in business.

00:39:39 Focus on specific sectors, like Fintech or airlines.

00:43:36 Join us for fun, knowledge, and follow

Chit Chat Money Podcast

Ryan Henderson Twitter

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IFB307: Buy When There Is Blood In The Street

Thu, 28 Sep 2023 04:00:00 -0000

Welcome to episode 307 of "The Investing For Beginners Podcast"! In today's episode, Andrew and Dave will be diving into the topic of buying when there is blood in the street. With recent extreme volatility in the market, we thought it would be the perfect opportunity to discuss how this can present an opportunity to buy or sell particular companies. We'll be sharing our thought process on this matter and how you can leverage it in your own investing.

To kick things off, we'll take a look back at a past event, specifically the banking industry crisis, and examine what lessons can be learned from it. We'll also explore our personal reasons for not taking advantage of the situation and the role influential investors like Warren Buffett play in shaping investor sentiment. So get ready to gain valuable insights into navigating volatile markets and seizing the right investment opportunities. Let's dive in!

00:01:44 Missed opportunity due to fear and lack of analysis during market turbulence.

00:03:13 Banks recovered, missed opportunity, uncertain future.

00:06:52 Research, understand, and make choices independently.

00:10:14 Buffett's investment in banks and differing opinions.

00:13:34 Stock plunged, but still believe in investment.

00:19:39 Understanding business and industry downturns is key. Examples: Nokia's mistake with Apple, uncertain of Intel's recovery.

00:24:15 Volatility is normal. Understand your investments.

00:26:19 Read a 10K, subscribe, review, invest safely.

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Buy Side Work in M&A: The Hunt for the Perfect Acquisition and Navigating Negotiation Challenges with Bill Snow

Mon, 25 Sep 2023 04:00:00 -0000

Welcome to another episode of The Investing For Beginners Podcast! In today's episode, we dive into the fascinating world of mergers and acquisitions (M&A) and explore the intricacies of buying and selling businesses. We discuss the impact of the pandemic on the economy, the importance of timing in the market, and the role of microeconomic factors in M&A deals. Bill Snow shares valuable insights on the chemistry between buyers and sellers, the art of negotiation, as well as the complexities of valuation. Join us as we uncover the strategies, challenges, and opportunities in the world of M&A. So grab your headphones, get ready to learn, and let's dive right into the episode!

00:02:56 Business deals depend on the parties involved.

00:04:50 Buyers in middle market acquire smaller companies.

00:07:46 Low-interest rates were destructive for fixed-income retirees.

00:14:01 Negotiation is essential, not about bluffing. Stop reading business books. Play poker to learn. Understand others' strong hands. Compromise for a mutually beneficial deal.

00:19:31 Chemistry and clarity are essential in deals.

00:22:21 Buy side difficult: search, negotiate, finance. PE calls lacking good companies, owner expectations. Supply-side M&A, demand, inflation from excess capital.

00:25:53 Pandemic impact exaggerated, market timing impossible. M&A depends on company strength.

00:30:01 PE firms compete in bidding for companies. Only one will be selected. Factors like bid amount, structure, and simplicity affect selection. Investment bankers use tools like Capital IQ to create buyer's lists. Keeping contact info and criteria updated increases chances of being included. PE firms should stay engaged and ready for opportunities.

00:32:20 Buyers want perfect companies, but don't exist. PE firms track many deals for appearance.

00:36:07 Sometimes there are frustrating moments in the buisiness process. Creating a buyer's list and sending a blind teaser to approved buyers is part of the process. If the buyers are interested, they sign a confidentiality agreement and receive the full book. Initial offers are made based on the information in the book. Meetings are held with potential buyers and a letter of intent is requested. Due diligence is conducted, followed by the purchase agreement and closing of the transaction. Some buyers may not respond or provide a reason for passing on the opportunity. Serious buyers are characterized by their preparation and detailed questions in meetings.

00:41:32 Finding buyers is easy; getting a good deal is hard.

00:44:07 Deep dive into buying a company, valuation details.

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Bird's Eye View of Analyzing a Company for the First Time with Topgolf

Thu, 21 Sep 2023 04:00:00 -0000

On today's episode of The Investing For Beginners Podcast, Dave and Andrew dive into the fascinating world of acquisitions in finance. They discuss the risks associated with acquisitions, using Topgolf as a prime example. The hosts explore Topgolf's increased enterprise value through debt and the potential impact this could have on cash flow and interest coverage.

They compare Topgolf's acquisition strategy to that of successful companies like Google and Microsoft, highlighting the importance of generating sufficient cash flow to avoid heavy debt. The hosts also discuss the need to gather information about TaylorMade, a company they are interested in, and share valuable insights into conducting financial analysis. Stay tuned as Dave and Andrew share their expert perspectives on acquisitions, risk management, and the importance of comprehensive research in the investing world.

00:01:39 "Fun, busy hangout spot with games and drinks."

00:04:12 Stratosphere Software: 97% revenue growth, dividend cut.

00:07:42 Looking at company overview metrics, potential concerns.

00:11:10 Topgolf acquisition and debt increase, potential risks.

00:13:11 Topgolf 2019 acquisition strategy, apparel focus

00:17:38 Research TaylorMade's public/private status and industry position.

00:21:06 Understanding company risks, financials, and management incentives.

00:26:21 Time spent analyzing a company is valuable.

00:28:24 Wrap up show, subscribe, review, invest safely.

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IFB306: The Bond Market Demystified: Understanding Risk, Return, and Allocation

Mon, 18 Sep 2023 04:00:00 -0000

Welcome back to another episode of The Investing For Beginners Podcast! In today's episode, Andrew abd Dave to dive into the fascinating world of bonds. With interest rates proving to be volatile in the past year, they discuss how different types of bonds can be used strategically to offset this volatility.

They cover the importance of diversifying with various bond funds, the risk and return profiles of different bonds, and the practical ways investors can invest in bonds, such as bond ETFs or through 401Ks and target date funds.

They also address common misconceptions about bond prices and the contrasting nature of bonds and stocks as investment options. Whether you're a seasoned investor or just starting out, buckle up for an informative and engaging discussion on bonds, their role in a portfolio, and how to navigate the ever-changing bond market. Stay tuned!

00:01:45 Investing in bonds is like lending money.

00:04:47 Rotating portfolio from stocks to bonds before retirement.

00:09:13 Bonds offer varying risk and returns; diversification helps.

00:13:23 High-rated bonds offer safe but low returns. Tesla's rating fluctuated from junk to high-yield. Bond ratings indicate a company's financial strength. However, buying individual bonds requires substantial funds. Consider bond ETFs for smaller investments.

00:16:19 Bond ETFs have price fluctuations, confusing but normal.

00:23:50 Large bond funds like Vanguard and BlackRock have options for individuals who want exposure to bonds. One option is the core US aggregate bond ETF offered by ishares, which includes over 11,000 US dollar-denominated bonds with varying maturities. This can provide a diverse range of bond exposure without the need to constantly monitor the fund. It may be beneficial for investors closer to retirement to consider investing in bonds to offset potential market volatility. However, for younger investors with more time to recover from market hiccups, it may be less necessary. The book "Bonds for Dummies" and the website "einvestingforbeginners.com" offer further resources on understanding and investing in bonds.

00:28:48 Bonds are attractive, seek professional advice.

00:30:43 Age determines investment strategy; consult professional advisor.

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IFB305: Evaluating Investments Beyond Stock Prices: A Deep Dive into Business Performance

Thu, 14 Sep 2023 04:00:00 -0000

Welcome to episode 305 of The Investing For Beginners Podcast! In today's episode, we dive into the importance of documenting investment decisions, understanding industry cycles, and using key performance indicators to assess company performance. Dave and Andrew share insights from their own experiences with investing, including lessons learned from stocks like Intel and Target. So grab your notepad and get ready to learn valuable strategies for successful investing. Let's jump right in!

00:00:48 Focus on the business, not investment performance.

00:05:40 Target's declining sales raise concerns about future.

00:08:06 Documentation essential to monitor individual company performance.

00:12:01 Shipping industry profits highly cyclical, fluctuating dramatically.

00:16:55 Look at historical data to assess risk.

00:22:21 Not understanding business led to wrong investment decisions.

00:25:24 Taiwan Semiconductor excels, Intel falls behind.

00:28:32 Learn from experts and be curious about investments.

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India's Economic Secret Weapon: Unveiling the Power of the India Stack with Kevin Carter

Mon, 11 Sep 2023 04:00:00 -0000

Welcome back to another exciting episode of The Investing For Beginners Podcast! In today's episode, we have a very special guest joining us. We are thrilled to have Kevin Carter, the founder and CIO of EMQQ Global, sharing his insights and expertise with our listeners.

Kevin is here to discuss INQQ, an India-focused ETF offered by EMQQ Global. We'll explore the potential power and impact of India's unique digital public infrastructure, known as the India stack, and how it is transforming the economic landscape.

As we dive deep into India's emerging market, we'll discover why it is becoming increasingly attractive to investors. With a booming middle class, a thriving e-commerce sector, and a government supportive of technology, India has all the right ingredients for exponential growth.

Join us as Kevin sheds light on the immense opportunities and challenges of investing in India, the role of emerging market internet companies, and the potential for India to catch up to China in terms of physical infrastructure. We'll also explore the investing landscape in India, the valuation metrics to consider, and the companies that are driving growth in this exciting market.

So, grab your notepads and get ready to gain valuable insights from our conversation with Kevin Carter of EMQQ Global. Don't forget to check out their website and remember, always invest with a "margin of safety". Let's dive in!

00:00:44 India is the perfect emerging market. It has the largest population, better demographics, and a fast-growing economy. It also has a unique digital public infrastructure, which is its secret economic weapon.

00:04:26 India's digital and physical infrastructure summary:

India's infrastructure investments have led to significant advancements in both physical and digital infrastructure. Under Prime Minister Modi's leadership, massive investments have been made in roads, airports, ports, and the power grid, resulting in substantial progress. The country's digital infrastructure, known as the India stack, includes a national identity card system, a know-your-customer layer, and the Unified Payments Interface (UPI), allowing for seamless and cost-free money transfers. India's talent pool, particularly in the technology sector, is unparalleled, making it an attractive destination for outsourcing and investment.

00:20:38 Platform integrating sellers, buyers, and logistics with high growth potential in India market.

00:24:31 Emerging markets lack developed consumption infrastructure. Instead of traditional banking, they use mobile phone-based payments. Companies like Alibaba and Mercado Libre serve as both e-commerce platforms and financial service providers. Ride-hailing apps like Gojek also offer payment services. This trend is gaining traction in India.

00:28:19 Bajaj Finance: profitable Indian smartphone-based lender. India's emerging market and technological advances.

00:31:42 Foreign stock investment in India presents challenges due to regulatory and bureaucratic reasons. Most Indian internet companies go public in India, while Chinese and Latin American companies list on US exchanges for better liquidity. Indian companies face regulatory hurdles and have not sought capital in New York. India's growth potential and digitization make it an attractive investment if one believes in the story. Comparisons to China highlight the importance of choosing the right ETF for exposure to Indian market growth. Valuations in India are currently high, and the Peg ratio is a crucial valuation metric to consider.

00:44:35 Kevin shares interesting information with investors. Invest safely.

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IFB304: Navigating the September Effect and Other Noise in Stocks

Thu, 07 Sep 2023 04:00:00 -0000

Welcome to episode 304 of the Investing for Beginners Podcast! In today's episode, Andrew and I will be discussing the September effect and other seemingly useless information that you might come across in the stock market. We'll dive into what the September effect is, whether you should sell or buy stocks during that month, and why it's important to ignore short-term noise when it comes to investing. We'll also explore the concept of the Santa Claus rally and discuss the mindset shift that investors need to make in order to focus on long-term success rather than weekly returns. So join us as we debunk these market myths and provide insights on how to compound your wealth effectively. Let's get started!

00:02:13 Don't interrupt compounding by timing investments.

00:04:11 Santa Claus rally not important, noise mostly.

00:08:21 Media sensationalizes news, creating "nothing burger" situations.

00:12:47 Politics is personal, elections noisy, avoid sensationalism.

00:16:54 Fed's impact on economy takes time to show.

00:22:21 Buffett and Ackman on opposite sides: be cautious.

00:24:10 Celebrity investors shouldn't determine your investment choices.

Today's episode is sponsored by:

Sign up today at butcherbox.com/BEGINNERS and use code BEGINNERS to get two 100% grass-fed filet mignons and two wild-caught lobster tails for FREE in your first box plus $20 off your first order.

Head to factormeals.com/investing50 and use code investing50 to get 50% off.

Sign up for a one-dollar-per-month trial period at shopify.com/beginners.

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IFB303: How to Spread $10,000 in the Stock Market

Mon, 04 Sep 2023 04:00:00 -0000

Welcome back to the Investing for Beginners Podcast! In today's episode, "303," we delve into four intriguing listener questions shared with us via Spotify. One of our listeners, Jason, has $10,000 to invest in the stock market and seeks advice on which stock to buy and how to spread it out. We tackle this question head-on in a discussion between Andrew and Dave, emphasizing the importance of learning to fish instead of relying on others for stock recommendations. They suggest starting with our show as a great educational resource, but also provide practical tips on how to spread out investments and mitigate risk. They advise diversifying holdings while remaining mindful of potential returns. Dave recommends investing a portion in an S&P 500 ETF or index fund to dip one's toes into the market. Additionally, he suggests choosing a couple of companies to invest in, preferably familiar ones, to gain insight into individual stock ownership. The goal is to learn and adapt while understanding the dynamic nature of the market. Both hosts stress the value of education and self-discovery in the investment journey. Join us as we explore this listener question and delve into the world of investing with a prudent mindset. Stay tuned!

00:02:01 Invest in index funds, then diversify with individual stocks to learn about the stock market and minimize risk.

00:09:02 Followed the White Rabbit, learned, then invested.

00:12:59 ADRs allow you to own stock abroad.

00:15:28 Tax implications of investing in foreign stocks.

00:20:09 Start with home bias, then branch out.

00:22:31 Big ADRs provide valuable information for investors.

00:25:19 Basic learning is essential for successful investing.

Today's episode is sponsored by:

Head to factormeals.com/investing50 and use code investing50 to get 50% off.

Sign up for a one-dollar-per-month trial period at shopify.com/beginners.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB301: Capital Allocation: The Number One Job for CEOs and Its Impact on Investing Performance

Thu, 31 Aug 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today we have another round of great listener questions! As always like we like to say, we love receiving these kind of questions as it challenges us to think more and refreshes the investing knowledge we know. In this round, we will be discussing an array of topics encompassing calculating financial ratios yourself, an investing book list, lump sum vs DCA and more so listen on!

Timestamps of the episode:

-Are financial websites reliable? or should you calculate the ratios yourself? [01:44]

-Books to follow up on reading after The Intelligent Investor of Benjamin Graham. [07:30]

-Lump sum vs dollar cost averaging: which one is the best especially on index funds and individual stocks. [23:48]

-What is WACC/hurdle rate and why it matters in calculating your personal returns. [30:57]

-Why hurdle rates are sensitive to the current prevailing interest rates. [38:28]

-Operating leases and why it should be considered as debt of a business. [43:28]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Books mentioned in the episode:

Investment Gurus: A Road Map to Wealth from the World's Best Money Managers (New York Institute of Finance) by Peter Tanous

Psychology of Money by Morgan Housel

Market Masters: Interviews with Canada’s Top Investors ― Proven Investing Strategies You Can Apply by Robin Speziale

Richer, Wiser, and Happier by William Green

The Little Book of Sideways Markets: How to Make Money in Markets that Go Nowhere by Vitaly N. Katsenelson

The Dhando Investor by Monish Pabrai

More than you know by Michael Maubossin

The Little book of Valuation by Aswath Damodaran

Security Analysis by Benjamin Graham

Expectations Investing by Michael Maubossin

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by:

Get 55% off your Babbel subscription at Babbel.com/BEGINNERS.

Sign up for a one-dollar-per-month trial period at shopify.com/beginners.

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Talking Getting Started in Real Estate with the Real Estate Rookie Podcast

Mon, 28 Aug 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we will be having not only one guest but two! Ashley Kehr and Tony Robinson of the Real Estate Rookie podcast will be joining us to discuss everything about investing in real estate. They will share with us how one can start even with minimal capital, the inherent risks in real estate and choosing the right partner in building your real estate wealth. Listen on as we ask every beginner questions in the industry itself and how it will surely give you insights as well.

Timestamps of the episode:

-Why would one consider investing in the real estate industry instead of the stock market? [02:05]

-How to start investing with real estate and the pieces to prepare first before heading in. [08:00]

-Different reasons how real estate can serve your investment goals. [11:49]

-Risks and rates of return involving investing in real estate. [13:55]

-Why the type of risk you will take depends on the skill set you have. [17:48]

-Ways to deal with the inherent risks in the real estate industry and how those risks can immediately set you back. [20:16]

-Real estate investing can also be done at the comfort of your home regardless of where the property is located. [23:55]

-Ashley and Tony shares how real estate investing gave them the freedom to do things they love essentially giving them more time to pursue their passions. [27:50]

-They talk about their recent joint book project where it discusses how real estate partnerships work as the saying goes "if you want to go fast go alone, if you wanna go far go together." [30:37]

-Things you can do to mitigate the risks of being in a business partnership. [32:37]

-Finding the right partners in business is the most important thing you can do especially in real estate. Ashley and Tony shares insightful tips. [36:50]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Their podcast- https://open.spotify.com/show/7GAvDfVZWXglwZPxayvqh7?si=e9327d3067744ed4

Their upcoming book in preselling- https://store.biggerpockets.com/products/real-estate-partnerships?_pos=1&_sid=1dd453d22&_ss=r

Link to their Biggerpockets website- https://www.biggerpockets.com/podcasts/real-estate-rookie

Today's show is sponsored by:

Get 55% off your Babbel subscription at Babbel.com/BEGINNERS.

Sign up for a one-dollar-per-month trial period at shopify.com/beginners.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Simon Erickson of 7Investing Joins Us to Discuss Innovation and Growth Stock Opportunities

Thu, 24 Aug 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode, we will be joined by a special guest! Simon Erickson, host of 7investing podcast, will be joining us today to talk about his investing principles, portfolio allocation, the different industries he's interested in and much more! Listen on as we have a fun conversation on topics that not only will be insightful for beginners but also veterans out there. Let's go!

Timestamps of the episode:

-Simon shares his investing story and why he uses the number "7" in his company 7investing. [02:28]

-Why investing is such a personal endeavor and how Simon molded his own. [05:05]

-He talks about his favorite part of the semiconductor value chain and how it is more relevant today then ever. [08:00]

-How to think about balancing your portfolio if it is exposed in a cyclical industry. [11:14]

-The "hype" cycle is the enemy of a long term investor and how to avoid it. [13:25]

-Understanding deeper into the weeds of AI and Nvidia chips. [16:34]

-Switching gears into the defense industry and why it is relevant in recent times. [18:55]

-Signs that a management is a good capital allocator. [20:45]

-How to differentiate between a company that has done well in the past and will continue to do so over a company that shows promise at first but will ultimately flame out. [23:14]

-The importance of understanding which business life cycle a company is in. [25:17]

-A business that continues to protect its moat will surely thrive. [27:45]

-Simons shares the story behind the 7investing service and how it empowers retail investors. [29:42]

-Why fees shouldn’t be overlooked when you can do it yourself. [31:48]

-Discussing the barbell portfolio and how you should allocate each holdings in it. [32:45]

-The biggest advantage of an individual retail investors against institutional firms. [36:20]

-How to approach and analyze companies of different market caps. [37:00]

-Simon talks about the space economy and how it will be a driving force of the world economy in the coming decades. [39:23]

-The beauty of the world of investing where your curiosity is rewarded financially. [43:27]

-Simon tells his best dad joke. [47: 29]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Simon's website- https://7investing.com

His podcast- https://open.spotify.com/show/7wBWhst8U3CqSeQ8fRGCLO?si=58b4a51ae67947ec

His Youtube channel- https://www.youtube.com/channel/UCAI0YGmr9W96nZI1q3vSJHg

Today's show is sponsored by Rocket Money:

Cancel your unwanted subscriptions and manage your money the easy way by going to rocketmoney.com/beginners

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Value Spotlight: The New Updated Sather Research eLetter

Mon, 21 Aug 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today is a special episode and an announcement at the same time! Andrew will share with us the exciting changes with his stock research e-letter service and also the insightful lessons he learned after doing this for almost ten years- time surely flies. This is a pivotal moment for us in the podcast as we are excited to bring more value to our listeners moving forward so listen on to learn more!

Timestamps of the episode:

-Andrew talks about his new revamped Sather research e-letter service, how it evolved and why it will serve its subscribers better in a new platform. Plus, new features! [01:48]

-What prompted the change and rebrand of his stock picking service. [03:53]

-Andrew shares how his investing evolved after doing the e-letter service for almost ten years. [05:56]

-Investing lessons and mistakes Andrew learned throughout the years. [08:09]

-Dollar cost averaging strategy lessons: The good and the bad. [15:20]

-The power of being open-minded and not stubborn to change is a valuable trait every investor should have. [17:35]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Value Spotlight website- https://valuespotlight.com

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by Rocket Money:

Cancel your unwanted subscriptions and manage your money the easy way by going to rocketmoney.com/beginners

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Paul From @Investmentideen Joins Us to Discuss the Power of Capital Allocation

Thu, 17 Aug 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today we have a special guest! Joining us today will be Paul, a good friend we met in Twitter (or X now) where he will talk with us a diverse range of topics spanning from his experience working under Constellation software before into good capital allocation, value traps and more. Listen on as he discusses great insights into valuations especially on micro caps and also the key in finding quality businesses. This is such a great episode with so many gems that it's a pity we only have an hour (almost) of an episode!

Timestamps of the episode:

-Paul shares his investing journey and gives credit on having people showing you the way. [02:10]

-He talks about the first stock he bought and how it started paving the way on doing great due diligence. [04:20]

-The importance of finding your own style in investing even though we all stand on the principles of investing giants. [07:00]

-Overpaying is the most common problem among investors and drags returns overall. [09:28]

-Paul shares his approach on what to do if he is gonna start investing all over again today, the rules to follow and sifting through noise of readily available information. [12:20]

-He breaks down what an earnings yield is and how it drives business return overall. [16:20]

-Differentiating between cheap stocks that deserves to be cheap and the ones that has sustainable earnings but the market values it cheaply. [19:35]

-What are value traps and why year over year fast revenue growth of value traps should not excite you. [21:55]

-Management's quality in realizing shareholder value is important for every thesis/valuation to play out.[26:00]

-Why looking acutely on the cash position of a company's balance sheet is relevant in gauging a management's skill in capital allocation. [30:50]

-Paul shares his experience working under Constellation software before and why most small software companies are not run capital efficiently. [35:29]

-What valuation ultimately means to Paul and how he approaches it. [38:00]

-The key to finding quality businesses is by making the process simple. [42:35]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Paul's Twitter (X) handle- https://twitter.com/Investmentideen

His substack- https://investmentideas.substack.com

Books and resources mentioned in the episode:

Seth Klarman's book- Margin of Safety: Risk-Averse Value Investing Strategies for the Thoughtful Investor

Joel Greenblatt- You Can Be a Stock Market Genius: Uncover the Secret Hiding Places of Stock Market Profits

Geoff Gannon compilations download link- https://bit.ly/3QyzIpF

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Bird’s Eye View of Learning a New Industry

Mon, 14 Aug 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we will do a bird's eye view in how to approach in studying an industry that is not in your circle of competence as investors will say. We will take you in on how we approach it ourselves step by step and discuss the nuances of each so listen on!

Timestamps of the episode:

-Great frameworks to use in starting to study a new industry. A way to extend your circle of competence. [01:50]

-Starting with the sales trend of companies in an industry paints a financial picture to where an industry is headed. [05:20]

-Identifying the key players in each industry is helpful and important in gauging if an industry is investable or not. [10:50]

-How to approach studying a technical industry like the semi-conductors. [14:25]

-Tracing the value chain of an industry helps you find under the radar businesses that are profitable.[18:50]

-Continuous learning and keeping up to date in the industry you're invested in should not be hard and can be boiled down to few metrics. [23:38]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB300: Listener Q&A – Finding Tax Documents & Our Favorite Financial Websites

Thu, 10 Aug 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode, we have another great round of listener questions coming from Spotify! Questions in this episode encompasses a wide range of topics-from taxes to financial growth metrics- all are covered and discussed in a simple way Dave and Andrew are known for so listen on!

Timestamps of the episode:

-How to file your taxes in investing. It's easier than it sounds. [01:50]

-Reliable sources of financial metrics and how to use them as each one has its own use cases. [03:23]

-Don't overthink it and just dive in. Start investing as early as possible. [10:00]

-What to do after your first investing failure. Spoiler: It will open a whole pandoras box of questions in becoming a better investor. [14:30]

-Talking about different ETF's on index funds and why its a good starting point for beginner investors.[19:00]

-Metrics to consider in measuring a businesses' growth. [21:45]

-How different growth rates depend on which life cycle a business is. [25:37]

-Why return on equity (ROE) is a good growth metric to use in increasing shareholder returns. [28:10]

-Always remember there is no one metric that fits all. Dave discusses the pitfalls of ROE. [34:44]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Sources mentioned in the episode:

Stratosphere- http://www.stratosphere.io

Quick fs- https://quickfs.net

Seekingalpha- https://seekingalpha.com

Finviz- https://finviz.com

BamSEC- https://www.bamsec.com

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by: Factor

Head to factormeals.com/investing50 and use code investing50 to get 50% off.

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IFB299: Red Flags in a Company’s Financials

Mon, 07 Aug 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode we will be talking all about red flags of a businesses' financials and why we should look out for it. Red flags can either be really obvious or hidden deeper in the numbers and in this episode we will take a deep dive on each of them. Listen on as we discuss the questions you should ask yourself in encountering these red flags.

Timestamps of the episode:

-From profitable to non-profitable, a common overlooked red flag on businesses. [01:45]

-Increasing debt to equity ratio, another rising red flag that has been proven to be detrimental in the future of a business [04:00]

-Red flags are not necessarily deal breakers (mostly it is) but should make you ask yourself questions as to why it can be long term or not. [10:58]

-Why sometimes a increasing goodwill of an asset acquired can be a red flag. [14:24]

-Impairment losses are red flags and punishment for companies paying too much. It says a lot on the management's skill of doing acquisitions. [19:30]

-Serial acquirers can either be great or bad as M&A's should be value accretive. Goodwill is the one to look out for on these companies. [28:30]

-Decreasing return on invested capital (ROIC) and gross margins are another red flag of a business. [30:05]

-A plethora of red flags is not a sign to short a company. [36:10]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by Factor:

Head to factormeals.com/investing50 and use code investing50 to get 50% off.

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IFB298: Causation Is Not Correlation

Thu, 03 Aug 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will all be about beta, causation and correlation in the stock market! It's quite a technical topic as it is hard show numbers through the podcast but we will do our best as always to piece it together as simple as possible. Listen on as we take a deep dive into volatility, what drives a stock price and more!

Timestamps of the episode:

-What is Beta and how is it being used in the stock market? [01:53]

-Volatility and risk are not the same and will never be. [05:55]

-Using Beta as part of your hurdle rate. [13:16]

-The seemingly random relationship between causation and correlation in the stock market. [15:50]

-How index funds and sector ETF's affect a particular stock price. [19:56]

-What really moves a stock price up and down? [21:26]

-The stock market in the short term is a voting machine, and in the long term it is a weighing machine, a timeless Graham quote. [24:20]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by:

Rocket Money:

Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/BEGINNERS.

Babbel:

Get 55% off your Babbel subscription at Babbel.com/BEGINNERS.

Shopify:

Sign up for a one-dollar-per-month trial period at SHOPIFY DOT COM SLASH “beginners”, ALLLOWERCASE. Go to SHOPIFY DOT COM SLASH “beginners” to take your business to the next level today.

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You can find the transcript of today's show below:

IFB298-Causation-is-not-CorrelationDownload

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IFB297: Listener Q&A - Is It Ever Too Late to Start Investing?

Mon, 31 Jul 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we have a bunch of great listener questions and this time its from Spotify! A great feature to connect listeners and hosts so keep the questions coming! The episode today will revolve around a few important topics namely the timing of your investments, time horizon, portfolio allocation and more so listen on!

Timestamps of the episode:

-Is it too late to invest in your Roth IRA? [02:10]

-Your investment time horizon dictates your portfolio mix. [05:40]

-Being scared in investing vs investing the money you can't afford to lose. [08:38]

-Is there even a safe way to invest? [12:51]

-There is no magic number in portfolio allocation. It is whatever that makes you sleep well at night. [15:17]

-It's always the consistent habit of putting money to work that compounds wealth. [20:13]

-Taking profits out of your ROTH IRA's, is it sensible to do it now? [20:42]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by:

Rocket Money:

Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/BEGINNERS.

Babbel:

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You can find the transcript of today's show below:

IFB297-Listener-QADownload

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IFB296: Listener Q&A – Dollar Cost Averaging/Portfolio Management

Thu, 27 Jul 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! We have another great listener episode! As always, we love hearing from you guys and ask us questions. Today's listener episode will be about dollar cost averaging, sizing your bets and everything you need to know about 401k investing! Listen on as Andrew and Dave give their insights especially on the right ways to correctly size your bets and why you should or not trim your winners.

Timestamps of the episode:

-How to use dollar cost averaging (DCA) in spreading your bets on the best opportunities. [02:14]

-Don't give in to the itch of trying to find the next best idea as sometimes you can find it really close by. [07:55]

-Where to find more info on the funds offered in your 401K and how to approach them. [09:10]

-Universal rules in 401K investing and why every beginner should know about this. [11:56]

-How to correctly size your bets in your investment portfolio. [15:15]

-Should you let your winners run? or trim until your stomach can manage? A good problem to have.[21:10]

-A pitch on Andrew and Dave's amazing newsletters. [27:05]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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You can find the transcript of today's show below:

IFB296-Listener-QA-–-Dollar-Cost-Averaging-Portfolio-ManagementDownload

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IFB295: Validity of Scuttlebutt + Quantitative Analysis

Mon, 24 Jul 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode, we will explore and think outside the box and do scuttlebutt investing! As Peter Lynch's timeless quote says, "Know what you own" scuttlebutt investing is more or less the same- you get on the ground and research the company personally. Listen on as we discuss this boots on the ground style of investing and how it can help one greatly in gaining a deeper understanding of a business plus its pitfalls also!

Timestamps of the episode:

-What is "scuttlebutt" investing and why qualitative analysis must be about thinking outside the box. [02:26]

-Always be observant of businesses around your "orbit" [05:20]

-How taking scuttlebutt investing too far can be myopic to your investing. Living in your own bubble. [10:27]

-Ways to extend your scuttlebutt bubble and reduce tunnel vision. [12:50]

-Nothing beats doing research of a company through its employees. [19:25]

-Why Glassdoor is such an important tool doing management/culture scuttlebutt. [22:27]

-Another great tool for scuttlebutting: Tegus, a professional service doing management interviews [24:05]

-Insider trading can be an unintended pitfall of doing scuttlebutt investing. [25:10]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Glassdoor website- https://www.glassdoor.com

Tegus- https://www.tegus.com

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John Rotonti Shares a Master Class on Research and Valuation

Thu, 20 Jul 2023 04:00:00 -0000

Welcome to the Investing For Beginners Podcast! In this episode, we have a special guest, John Rotonti, who shares valuable insights on the importance of Return on Invested Capital (ROIC) in determining the intrinsic value and growth potential of a company.

John explains that if the ROIC is higher than the cost of capital, it leads to growth and increases intrinsic value. If it is equal, growth is neutral, and if it is lower, growth destroys value. He also breaks down the formula for calculating the economic spread or excess return spread, which is ROIC minus the cost of capital.

Throughout the episode, John emphasizes the significance of a high ROIC and a higher economic spread for companies. He highlights how revenue growth, especially organic growth, plays a crucial role in driving intrinsic value growth for companies with a high ROIC higher than the cost of capital.

00:04:49 Thorough research and analysis process for investing.

00:10:08 Watch list, market sell-off, network, investor letters.

00:16:57 Checklist for investing in businesses with tweaks.

00:23:26 Free cash flow yield is the best predictor of future returns, according to multiple studies. To calculate normalized free cash flow, consider factors like cash inflows from selling off businesses. Another method is total shareholder return (TSR), which includes dividend yield and earnings per share growth. Models like discounted cash flow (DCF) and reverse DCF can help estimate fair values. Additionally, analyzing acquisition multiples in the industry can provide insights.

00:35:26 DCF is a discounted cash flow model used to estimate future cash flows. It involves forecasting cash flows over a period of 5-10 years and then projecting them into perpetuity. The value of an asset is determined by the present value of future cash flows, which is calculated through discounting. Three key factors to consider are the size, timing, and riskiness of the cash flows. Building a DCF involves modeling revenue growth, EBIT margins, tax rates, and subtracting reinvestment to determine free cash flows. These cash flows are then discounted using a chosen discount rate. The sum of the present values of these cash flows, along with the terminal value, gives the enterprise value. By subtracting debt and adding cash, the equity value can be determined. Dividing by the number of shares gives the intrinsic value per share. Different scenarios can be explored to determine a range of fair values.

00:46:04 ROIC and free cash flow drive value.

00:51:09 Higher ROIC generates intrinsic value growth through growth.

00:59:01 New Constructs provides accurate financial metrics data.

01:02:11 PE ratios and free cash flow multiples are commonly used by people, but they are often misunderstood. However, understanding the three drivers of the multiple - earnings growth, return on invested capital, and risk - can make them useful. Examples show how different growth rates and cost of capital affect justified PE ratios. As the cost of capital increases, the justified PE ratio decreases. It's important to understand these drivers to make sense of multiples.

You can find more John here on Twitter @JRogrow

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IFB294: Explaining Multiple Expansion and It’s Impact on Value

Mon, 17 Jul 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be all about multiple expansion- what it means and how it will impact the business you're investing in! The "multiples" term is always being thrown around by talking heads on tv and people in the investing community and we know how it can be confusing at times especially for beginners so listen on as we discuss each facet of it. Let's go!

Timestamps of the episode:

-What a “multiple” term mean in the investing word. [01:54]

-The importance of knowing the driver behind every multiple expansion. [04:33]

-How market expectations are baked into the multiples of a business. [05:45]

-Other impact drivers that can move a business’s multiple expansion. [09:02]

-If there’s multiple expansion, there exists also a compression. $META being the prime recent example. [14:40]

-How the price to book ratio can be a good multiple to gauge cyclical businesses. [21:14]

-The dangers of being fixated on the multiple expansion/compression game. [23:50]

-Value investors are also victims of the multiples game. [28:30]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Karen Finerman Joins Us to Discuss the Ups and Downs of Investing

Thu, 13 Jul 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be a special one as we have an awesome guest in the show! Karen Finerman, Metropolitan Capital Advisor's hedge fund manager and a panelist in CNBC's Fast money show, will be gracing us today with her investing journey, mistakes and wisdom throughout the years in different market cycles. She also has an upcoming podcast (already published at the time this episode goes live) named "How She does it which talks about having conversations with female leaders in all industries who make their own space and build their careers in unique ways. It was such a pleasure having her in our show and was a gem of insights not only in investing but life in general also so listen on!

Timestamps of the episode:

-Karen shares her investing journey from wanting to become a gymnast into doing risk arbitrage trading and being successful in a male dominated finance industry. [02:26]

-Why always thinking about the downside matters. Karen talks about an expensive lesson she learned from investing. [05:36]

-How to rationally handle your investing failures and make use of it. [07:49]

-Why the current market conditions does not surprise Karen. [10:15]

-How Karen's investing style changed throughout the years. [12:10]

-Withstanding market swings and irrationality. How to overcome when the market narrative is against your stocks. [16:40]

-Being in the age of hyper information does not help in giving you an edge as an investor. [21:44]

-Key pieces of information that are more signal than noise in the markets. [24:14]

-The best way of weighing investing risk vs reward in picking individual stocks. [29:18]

-When to sell: the underrated hardest thing to do in investing. [34:05]

-Karen shares the story behind her podcast, "How she does it" and how it empowers women in different industries. [36:50]

-The most important lesson she taught her daughters. [39:15]

-Karen talks about an amazing endeavor of a guest in her podcast which is awe inspiring to be honest. [41:20]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Karen Finerman's podcast - https://open.spotify.com/show/2bDVlf5r5Rocbq0xZCK2JE?si=36c4dfc0aa4d4404

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IFB292: 5 Metrics Every Beginner Investor Should Know

Mon, 10 Jul 2023 04:00:00 -0000

Welcome to Investing for Beginners podcast! In today's episode, we will talk about the five financial ratios every investor, beginner or not, should know! There's a multitude of ratios out there and each has their own purpose but we believe that these five are the most important and should be in every investor's arsenal in valuing a business so listen on!

Timestamps of the episode:

-The most popular metric of them all: The price to earnings ratio (P/E) [02:00]

-The limitations of using the p/e ratio and the justification it gets depending on each industries it belongs. [04:33]

-Defining the price to free cash flow ratio (P/CF) and why it is a more superior ratio than P/E. [09:27]

-How to calculate the p/e and p/cf ratios into earnings yield. [14:52]

-Now into the efficiency ratios: Return on Equity (ROE) and Return on Invested Capital (ROIC) [15:45]

-Why always looking in a longer timeframe helps visualize the impact of ratios in a business. [21:38]

-Balance sheet ratio: Debt to equity (D/E) [24:40]

-The importance of knowing the context behind the d/e numbers and how it differs across each industry average. [27:04]

-What is an interest coverage ratio and what it tells you. [31:15]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by: Rocket Money

Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/BEGINNERS.

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IFB291: Overcoming Beginning Investor Skepticism

Thu, 06 Jul 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, its all about the skepticism of a beginner investor and how to overcome it. We delve into the most common hurdles and misconceptions why people won't start investing like starting capital, lack of patience and more so listen on!

Timestamps of the episode:

-How underrated stocks can be as a source of passive income. [02:50]

-What drives stock returns? [05:26]

-Why stable dividends provide a floor in a stock's price. [08:30]

-Patience is in short supply in the investing world. [10:35]

-The fastest to grow your wealth is to go slow. [13:00]

-Index funds is the way for the majority of people out there. [15:50]

-Another underrated force of wealth creation: the power of compounding. [18:00]

-Leveraging today's different tools to start your compounding journey. [22:00]

-The best time to invest is now, not tomorrow but now. Just get started. [26:40]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB290: Listener Q&A - How Do You Start Investing with $1,000

Mon, 03 Jul 2023 04:00:00 -0000

Welcome to Investing for Beginners podcast! Today's episode will be another round of great listener questions! As we've always said, we love receiving listener questions as it compels us to revisit important basic concepts in investing and also take deep dives into interesting topics so keep it coming guys! For this episode, we will talk about best pieces of advice for beginners in choosing their first stocks, the home country bias and a financial ratio that is often overlooked. Listen on!

Timestamps of the episode:

-The best piece of advice for beginners buying their first stocks. [02:20]

-There's nothing wrong being an indexer. [06:55]

-Why as a beginner, it's not bad having a home country bias. [08:30]

-Taxes to consider when investing internationally. [16:28]

-What is a payout ratio? and how high it should be. [18:00]

-The risks of having a high payout ratio and how it stunts a growth of a business. [22:48]

-Why Visa and Apple are great examples of a great business with a low payout ratio but brings great returns. [25:37]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB289: Problems and Pitfalls of Investing with Debt

Thu, 29 Jun 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode we will talk about leverage and how it is being used in investing- the good and the bad, but mostly bad. Listen on as we go around the topic of debt and why in investing it is best to stay away from it even with the allure of higher returns.

Timestamps of the episodes:

-The Rich Dad, Poor Dad book by Robert Kiyosaki and how it teaches financial independence [02:22]

-Pitfalls and upsides of using debt in investing. [05:03]

-The cruel reality of using leverage and how it correlates with real estate investing. [11:15]

-The illusion of running your own business. [14:55]

-Using the leverage from your own home to buy investment properties. [18:50]

-The liquidity problem of real estate properties. [24:55]

-Why investing with a margin of safety will always be a good rule to follow. [27:44]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB288: Diving Deep in Howard Mark’s Memos of 2022

Mon, 26 Jun 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be all about memos! And its from an investor we all admire and glean wisdom from. Howard Marks' memos are timeless pieces of investing advice that can range from when to sell into macro forecasting. Listen on as we talk our fave memos and discuss the insights we learned from it!

Timestamps of the episode:

-Who Howard Marks is and why you should listen and read his memos. [02:05]

-Selling a position is much harder than buying or starting one. Andrew and Dave shares their thoughts. [03:38]

-Strategies to deal with your emotions in investing. [11:10]

-Examples of metrics to help gauge a business's performance. [12:23]

-The different stock market cycles, its ebb and flow. [16:37]

-How narratives can change fast and easily- "This time is different" [21:48]

-Macro forecasting and weather forecast are one and the same. [25:50]

-Closing thoughts on why to read more of Howard Mark's memos. [34:05]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Howard Marks' memos- https://www.oaktreecapital.com/insights/memos

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IFB287: Listener Q&A – Employer Stock Plans

Thu, 22 Jun 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! This episode we have one great listener question! Even though this topic is more geared towards employees who have an investment program within their company the discussion towards the end of the show about diversification is a must listen!

Timestamps of the episode:

-What is an Employee Stock Purchase Plan (ESPP) and how it benefits you as an employee. [02:00]

-How to prioritize the different investing benefits of your employer. [05:48]

-Read the fine print of your employer stock plan as it can be a case to case basis. [10:00]

-The best way to think about the diversification of your investments especially as an employee. [13:25]

-Why diversification is mostly for everyone. Remember, you're not Charlie Munger. [18:48]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Bird's Eye View of Proxy Statements

Mon, 19 Jun 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we will be talking about proxy statements! An underrated but an important financial disclosure that let you peek deeper into the incentives of every company management. Listen on as we take a deep dive on this often overlooked financial statement.

Timestamps of the episode:

-What is a proxy statement and how it relates to the management? [02:10]

-An example of a management that is aligned with its shareholders: $ADYEN [07:16]

-Rules of thumb in checking incentives of a company's management. [11:54]

-A fair way of using incentives to align management with shareholders. [15:45]

-The opposite side of the fence: How not to use incentives. [18:00]

-How Andrew looks at management ownership and whatnot. [22:29]

-Looking beyond the proxy statements: competition, structure and more. [29:33]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Benjamin Tan Joins Us to Discuss Enneagrams and the Power of Psychology in Investing

Thu, 15 Jun 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be a really interesting one and also a timeless topic for every investor out there! Joining with us will be Benjamin Tan from enneagraminvesting.com where he will share great insights into different investing psychology, how it matters and more so listen on!

Timestamps of the episode:

-Benjamin Tan shares his roots and explains how human psychology intersects with investing in the form enneagrams. [02:03]

-What is the idea behind an enneagram and how it can be used to encapsulate investor types. [05:37]

-The nuances of different investor types and how it can bleed into one another. [08:43]

-How knowing your investing personality will greatly help you make more informed and better decisions [11:05]

-Discovering your blind spots and biases is a lifelong process and can change a lot over time. [15:08]

-Taking a hard look into ourselves is easier said than done. Embracing weaknesses is not popular at all.[19:16]

-The challenges in using a personality test to become a better investor. [24:56]

-Understanding your own psychology is counterintuitively more important than focusing on returns. [27:05]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Benjamin Tan's website- https://www.enneagraminvesting.com

Know your investor psychology type! - https://www.enneagraminvesting.com/free-enneagram-test

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IFB285: Reflecting on the Process of Learning How to Analyze Stocks

Mon, 12 Jun 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we will do a bit of introspection and looking back on the lessons we learned in investing for several years especially on misconceptions and how we value stocks so listen on!

Timestamps of the episode:

-Misconceptions Dave and Andrew realized throughout the years in investing. [02:18]

-Volatility can be your friend! [05:13]

-Things or "voices" beginner investors should avoid at all costs. [08:12]

-Knowing the incentives of the people you listen to is really important. [11:48]

-Investing in yourself, rather than focusing a lot on the best stocks, is a much underrated advice in the investing world. [13:40]

-How Dave's and Andrew's thinking about "numbers" in looking for great stocks evolved throughout the years. [19:00]

-Curiosity can go a long way especially in investing. Dave used it a lot to his advantage. [21:40]

-Why you should always avoid FOMO like a plague. [24:43]

-A misconception you have to buy all the big names to get the best returns in the stock market. [29:48]

-The best takeaway of Andrew from investing for several years. [31:10]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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The Basics of ETFs with Evan from My Money Marathon

Thu, 08 Jun 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode we will have a special repeat guest with us, Evans from mymoneymarathon.com to discuss everything about ETFs. We will dive into the structure of what makes an ETF different from other investments, where to research and much more so listen on!

Timestamps of the episode:

-What are ETF's and how does it differ from an index fund? [02:27]

-The things to look for when choosing the right ETF for you. [05:12]

-Best places to research on different ETF's like structure and expense ratios. [08:30]

-Why an ETF is a great way to have an exposure to a particular industry you like with less volatility and risk. [12:22]

-Risks involving in investing on ETF's and why you should be wary on "overdiversifying" [19:10]

-How to start building your own ETF portfolio for beginners. [24:29]

-The ideal number of ETFs you should own. [28:18]

-Tracking your performance in your ETF portfolio and how often you should monitor it. [34:33]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Evan's website- https://mymoneymarathon.com

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IFB284: When Can You Open a Brokerage/How Should I Invest a Lump Sum?

Mon, 05 Jun 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode we have another round of great listener questions! The topics encompasses a lot of areas, from how one under 18 can start into investing to what taxes will affect your retirement accounts. Again, we are always thrilled to answer your questions so listen on!

Timestamps of the episode:

-A question in Portuguese and a relevant one at it: How people under 18 can start investing? [02:20]

-How does compounding really work? Is the starting size relevant? [05:49]

-Using a windfall to invest or pay down debt will always be a subjective choice. [09:50]

-Staying in the game as long as possible is more important [12:56]

-Dollar cost averaging should be the way for most people. [17:15]

-Different taxes involving lump sum inheritance money. [19:19]

-How the ROTH IRA and traditional IRA are being taxed and why you should take note of it. [23:52]

-Best places to research on about different individual retirement accounts and what will fit your needs. [26:18]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Link to our previous episodes talking about starting on IRA's and more. Start here on IFB60 to 64-https://open.spotify.com/episode/2TBUfRy0dWRv4ewzZYVxl8?si=64e05b3a21c440d2

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IFB283: Back to the Basics of Building a Portfolio

Thu, 01 Jun 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we will do a back to the basics discussion about building a portfolio from scratch! We all know how daunting it can be starting your own portfolio especially with so much information available now in our age. Don't fret! Andrew and Dave is here to give you insightful tips as they share about how a retail investor can start based on their own experiences also so listen on!

Timestamps of the episode:

-The idea of building an investment portfolio from scratch. [02:00]

-Don't put all your eggs in one basket! [03:25]

-Different sectors of the stock market that are available for beginner investors. [05:17]

-Diving in sectors you're passionate with is a good starting point. [10:45]

-How to cope and not succumb in FOMO with the hottest sectors of the day. [13:25]

-Position sizing is often overlooked and must be given thought when starting a portfolio. [17:45]

-The importance of letting your winners run and how it is a good problem to have. [21:05]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB282: In Defense of the Top 5 Companies in the S&P 500: Things Investors May Not Know

Mon, 29 May 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be a discussion about the top 5 companies in the S&P 500 index specifically on things you may not know about them as a beginner investor. Listen on as Dave and Andrew give interesting facts and tidbits about each companies and how it will propel their value more going forward.

Timestamps of the episode:

-Apple turns a dollar into three like magic and how it can continue this magic in its business moving forward. [02:10]

-Google's stickiness is more "sticky" than you think especially on children today. [08:43]

-The amount of cash these tech giants have can be mind boggling and presents a dry powder for ripe opportunities. [14:40]

-Microsoft is building behind the scenes platforms that most people don't appreciate much and will be a huge value drive going forward. [16:50]

-Amazon web services or AWS as popularly called is a behemoth in cloud services and everybody is playing catch up still until now. [23:20]

-Berkshire Hathaway's energy company's scale and size deserves more attention. [28:18]

-Dave gives a good advice on beginners in looking to invest in the S&P 500. [33:10]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB281: How to Hold a Company Rising Quickly/How We Look for Quality Companies

Thu, 25 May 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we have another round of great listener questions! As always, we love having these kind of questions directed in our way and this time it's about a problem every investor wants to have while the other one will be on characteristics to look for in a healthy business so listen on!

Timestamps of the episode:

-A high class problem to have: what to do when a holding of yours increases significantly. [01:45]

-Trimming your flowers and watering the weeds is a balancing act that is hard to pull. [07:40]

-Practical rules in identifying a healthy business. Business case study: Watsco $WSO [12:28]

-The return of invested capital (ROIC as mostly known) is one of the best metric to gauge the efficiency of a business to allocate capital. [20:10]

-The price you pay still matter even if it's a great business. [24:37]

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Bird's Eye View of Bank Analysis (Citizens First Republic)

Mon, 22 May 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode we will take a bite on a complex topic such as the banking industry. The discussion stemmed from a listener question sent to us about a bank and how to analyze it so of course we are more than happy to go deeper and talk about it. Listen on as we try to simplify as much as possible the jargons surrounding the business of banks.

Timestamps of the episode:

-Recent rundown on the banking sector and what happened so far. [02:56]

-What makes a bank different from a regular business and what are the risks. [05:46]

-Key parts in understanding the financial structure of the banking business. [09:30]

-Loan quality is everything for banks. Dave shares his "cheat code" in checking one. [18:15]

-Why the balance sheet of banks is the most important section of 10k's compared to most businesses. [20:50]

-How studying the banking can be overwhelmingly exciting and too much at the same time. [26:15]

-Major red flags to look for when analyzing banks especially in the current times. [27:50]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB279: New Investor Mistakes and How to Avoid Them

Thu, 18 May 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode it's all about beginner investor mistakes and why you should avoid them like a plague! Listen on as Dave and Andrew discuss timeless mistakes every starting investor makes. Remember, you don't need to pay a high "tuition" price to be humbled by the market!

Timestamps of the episode:

-Why day trading isn't for every one and probably not for you too. [01:54]

-The allure of leverage is doubling your gains but doubling your losses also with the latter happening oftentimes [05:33]

-Putting all your eggs in one basket is another sure fire way of losing your money. Remember you're not Warren Buffet. [08:55]

-Why timing the market will do you more harm than good. Hindsight is always 20/20. [11:04]

-Getting into the "hot" stocks of the day is a bandwagon every beginner investors should avoid. [13:34]

-Panic selling shows more of your understanding of the business itself than the market. [16:15]

-Buying solely because of the dividend yield is a trap. [20:05]

-Watching too much financial news must be avoided like a plague. [22:40]

-Following and buying the same stocks as what an online "guru" recommends. [27:23]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB278: How to Deal with Macro Issues

Mon, 15 May 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode we will be discussing about the doom and gloom surrounding the market and how to deal with it as an investor. How can you filter the noise? Dave and Andrew discussed interesting points on how they cope themselves so listen on!

Timestamps of the episode:

-How to deal with the current economic environment impacting your investments. [01:55]

-What macro really means and to what degree should you care about it. [04:13]

-Why timing the market is impossible. [06:33]

-The fastest way to grow wealth is to go slow- dollar cost averaging. [12:40]

-Can we reliably predict if we are really in a recession? [15:02]

-Understanding the businesses you're invested in helps you weather any economic storm. [18:45]

-How Andrew and Dave deals with the current macro environment and how it affects their investing decisions. [24:37]

-Circle of competence will help you hold on tight in right businesses. Dave takes a bite on Visa as an example. [32:00]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Bird's Eye View of the Balance Sheet

Thu, 11 May 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be another bird's eye view of the last main segment of an annual report or 10k which is the balance sheet! Looked upon as the most boring section among the three but there is more than meets the eye! Listen on as we discussed how important it is and how it drives the value of a business forward.

Timestamps of the episodes:

-Why should you care about the balance sheet in the first place? [02:13]

-Terms to note in looking at a company's balance sheet. [04:04]

-Assets and liquidity go hand in hand. [06:36]

-How everything balances out in the balance sheet and why it can be confusing at first. [13:20]

-Two things investor should focus on the most in reading a balance sheet. [17:27]

-Three ways businesses drive value using their balance sheet. [23:17]

-The best balance sheet among the three businesses discussed. Spoiler alert: its a fruit. [25:25]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Book mentioned in the show- Financial Statements: A Step-By-Step Guide to Understanding and Creating Financial Reports by Thomas Ittelson

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IFB277: Defining Apple’s Moat By Looking at the Components

Mon, 08 May 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we will discuss what a "moat" means for businesses and why you should take note of it. Listen on as we breakdown to you different kinds of moats and how it protects a business from its competitors!

Timestamps of the episode:

-What is a "moat" and how it relates to a business like Apple. [02:15]

-Identifying what makes a moat and how it protects a business from competitors. [03:45]

-How the stickiness of a moat further protects a business from competition. [08:00]

-The essence of network effects in a moat- the more the better it becomes! [10:13]

-Why economies of scale becomes better the larger a company is. [13:05]

-How proprietary technologies strengthens existing moats and drives more value to the business. [15:15]

-What price you pay still matters in the end no matter how great a moat a business has. [18:41]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Bird's Eye View of the Cash Flow Statement

Thu, 04 May 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be another bird's eye view of one of the most important part of 10ks: cash flow statement! We will breakdown for you each part and how it impacts the business as a whole so listen on! Disclaimer: We highly recommend you listen first to the bird's eye view of income statement to make it easier!

Timestamps of the episode:

-Why would you care about the cash flow statement? [01:55]

-Talking about depreciation and amortization and how it relates in running a business. [03:00]

-Important thing to note in a cash flow statement. [07:38]

-The three main parts of the cash flow statement and how it relates to each other. [09:22]

-Cash from operations: the place where money from the business branches out. [11:55]

-Discussing about Capex- capital expenditures: the warm blood that keeps the business going. [24:33]

-Understanding the cash flow statement is understanding the capital allocation of a business. [28:55]

-Last thoughts in this important part of the financial statement. [35:00]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by Rent to Retirement

Rent To retirement offers fully turnkey properties that are newly built or renovated, leased & professionally managed, allowing you to invest with confidence out of state. They have single family, multi-family, new build & syndication opportunities across multiple markets. Rent To Retirement assists investors in learning how to build a comprehensive business plan with the best investment & tax strategies to achieve financial freedom through real estate investing!

To learn more, visit RentToRetirement.com/BEGINNERS. That's Rent T-O Retirement.com/BEGINNERS. Or call 800.311.6781 that's 800.311.6781 to learn more about how you can get started investing in some of the best cash flow markets today

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IFB276: Day One As An Investor

Mon, 01 May 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be a day zero! Just like Jeff Bezos like to say about Amazon on being always on day 1, this episode will be the day zero for beginner investors! Listen on as we talk about how to kick start your journey into investing!

Timestamps of the episode:

-The easiest steps beginner investors can do to start. [02:40]

-Accounts you would want to open and optimize light in the beginning. [06:08]

-Index funds and ETFs are your gateway drug to investing. [09:25]

-Common pitfalls of beginner investors. [12:09]

-The optimizer heavy: stock picking. [19:00]

-The importance of having an inner scorecard and how it will help you stay in the game. [23:28]

-10ks or the financial statement: the most important resource for stock pickers. [25:28]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by Rent to Retirement

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You can find the transcript of today's show below:

IFB276-Day-One-As-An-InvestorDownload

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Bird's Eye View of the Income Statement

Thu, 27 Apr 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we will take a stab on the income statement, the first part of the three you can read in an annual report or 10ks. This will be a lengthy episode but we promise you it will be a fruitful one! Now listen on as we breakdown to you each line item of the income statement. Let's go!

Timestamps of the episode:

-Why does the income statement matter? But first diving into what a financial statement really is [02:00]

-What is an income statement and how it is structured? [05:18]

-Taking a bite on revenues, what is it and what it means with Apple, Starbucks and Netflix as an example. [09:28]

-Shifting to earnings as to what they are and how it differs to revenues. [16:56]

-What to look for in revenues and making sense its breakdowns. [21:58]

-Operating income/expenses, the pure profit of a business. [27:42]

-Interest income/expenses, the boon for companies with heavy debt. [35:40]

-How to process a lot of this information as a beginner investor. [39:00]

Note: Timestamps may differ and are approximate, depending on your podcast player.

www.surveymonkey.com/r/airwave.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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BEV-Income-StatementDownload

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IFB275: Listener Q&A Concerning Buildng a Portfolio and Maximizing Your 401k

Mon, 24 Apr 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be about a series of superb questions from one of our beloved listeners that we came to know! Listen on as we talk a lot about portfolio construction- how to build it up and make it suit the best to your own.

Timestamps of the episode:

-How to structure and build up your stock portfolio. Spoiler: There is no hard and fast rule. [02:12]

-Basic principles to follow in building your portfolio. [07:25]

-What's the best way to approach each weighting of a stock in a portfolio. [10:18]

-Is there an optimal number of weighting size in portfolio allocation? [15:35]

-Mean reversion and doing a lot more activity than one should be. [20:28]

-What are closed end funds and would it be beneficial to your portfolio? [26:00]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

www.surveymonkey.com/r/airwave.

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You can find the transcript of today's show below:

IFB275-Listener-QADownload

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Bird's Eye View of Dividends

Thu, 20 Apr 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will all about be dividends! For sure every one wants to receive cash from their hard earned money and dividends is one of those way! Listen on as we discuss about it, everything from what it really is, the perils and the metrics to use.

Timestamps of the episode:

-What dividends really are and why it compounds best. [02:22]

-Where to find dividends' information on financial statement. [04:35]

-Why do different companies pay varying amounts of dividends or none at all. [07:10]

-How a life cycle of a business determines how much dividends it pays. [10:08]

-Metrics and ratios to know in exploring dividends. [14:00]

-How the maturity of a business affect the dividend yield. [21:00]

-The power and beauty of compounding dividends. [23:35]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Here is the link for the listener survey mentioned in the show: www.surveymonkey.com/r/airwave.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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You can find the transcript of today's show below:

Birds-Eye-View-of-DividendsDownload

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IFB274: How Are Our Accounts Protected/Diversifying with ETFs/Books to Help Continue Your Investing Journey

Mon, 17 Apr 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode we will talk about our all time favorite of answering listener questions! We have three great questions this episode that encompasses safety of your money in brokerage firms, diversified index funds, book recommendations and more! Listen on as we get into these different topics with you as a beginner in mind as always!

Timestamps of the episode:

-What are the risk in brokerage firms failing? What will happen to your investments if a brokerage goes bankrupt. [01:56]

-Would a little bit more of diversification hurt? [05:35]

-Owning an all world index fund, what it does for you and why it can be the best. [10:10]

-The defensive and enterprising investors, which one are you? [14:35]

-Book recommendations to read to expand and know more about financial statements. [19:04]

-Good tips and advice in pushing through learning accounting. [22:00]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Here is the link for the show survey mentioned in the episode: www.surveymonkey.com/r/airwave.

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You can find the transcript of today's show below:

IFB274Download

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IFB273: Banking Crisis Averted/Building a Portfolio/Performance Compared to the S&P500

Thu, 13 Apr 2023 04:00:00 -0000

Welcome to the Investing for Beginner’s podcast! Today’s episode, we will answer great listener questions which are really diverse and not related to each other. We will discuss our thoughts about the SVB crisis, how to do portfolio allocation and Andrew’s e-letter performance so listen on!

Timestamps of the episode:

-You don’t have to have an opinion on everything. Stay in your circle of competence. [02:33]

-How to properly weigh an allocation on each stock in your portfolio. [06:33]

-What is diversification and why its a key in portfolio management. [10:00]

-Andrew explains the performance of his monthly e-letter picks and the rational behind it. [14:18]

-The evolution of Andrew’s investing from cigar butt style to buy wonderful businesses in fair prices. [17:40]

-Investing style is a lifelong process and not immune to change. [20:26]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

www.surveymonkey.com/r/airwave

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You can find the transcript of today's show below:

IFB273Download

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IFB272: Bear Market Therapy

Mon, 10 Apr 2023 04:00:00 -0000

Welcome to the Investing for Beginner’s podcast! In today’s episode, we will turn the gloom and doom of the current “bear” market into something positive for all. Listen on as, Andrew is back with us again in the show (yay), we talk about how to deal with the current market especially on your behaviors and emotions.

Timestamps of the episode:

-Bear market “therapy” and your behavior towards the market. [02:43]

-How often should you check your portfolio. [04:24]

-Dave’s first bought stocks and how it fared [07:50]

-Short term chasing will never be good and how detaching from the market will do wonders. [10:22]

-Managing your emotions thru the ups and downs of the market. [12:56]

-Detaching isn’t easy but doable. [16:15]

-Alternative routes in making yourself detached from the market. [19:44]

-Great and encouraging words from Andrew on dealing with the current bear market. [22:57]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

www.surveymonkey.com/r/airwave

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You can find the transcript of today's show below:

IFB272-Bear-Market-TherapyDownload

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Brian Feroldi Joins Us to Give Us 8 Reasons the P/E Ratio Sucks

Thu, 06 Apr 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we will have Brian Feroldi joining us in a first time ever live show here in Cincinnati's economy fire conference. He will discuss the price to earnings ratio which is the most common and known metric in the investing world. Listen on as he talks why solely using the p/e ratio can be bad and when is it useful to be used on.

Timestamps of the episode:

-Why the price to earnings ratio alone is a bad metric. [01:45]

-The different flavors of the P/E ratio with the focus on how the "E" is structured. [04:15]

-How the earnings of a company can be misleading which makes the P/E ratio wrong. [07:08]

-First reason why a P/E ratio can be misleading: Accrual accounting. [08:12]

-Walking back to the overview and relationships of the three financial statements. [11:05]

-Second reason: Equity investments will either deflate or inflate earnings [13:50]

-Third reason: One time events are mirages and won't happen often. [16:55]

-Fourth reason: Unsustainable trends work like boom and bust cycles. [19:58]

-Cyclical demand is hard to predict and can be counter-intuitive. [21:27]

-Industry dynamics will dictate how a business really earns. [24:42]

-Fifth reason: Disruption, knowing this is next to impossible as we live in the most disruptive periods in human history due to fast paced tech innovations. [26:42]

-Eight reason: Knowing which phase a company's business growth cycle can be a hit or miss. [29:00]

-The most important thing in using the P/E ratio. [34:56]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Link to Brian's website- https://www.brianferoldi.com

Today's show is sponsored by Rent to Retirement

Today's show is brought to you by Shopify:

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Jordan Grumet of Earn & Invest Podcast Joins Us to Discuss the Hows and Whys of Investing

Mon, 03 Apr 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! This episode is really insightful and special as we will be joined by Dr. Jordan Grumet of the Earn and Invest podcast. There is more to life than money and Dr. Jordan expounds it well with his insights in personal finance especially in making money as a tool and not the end goal itself. Listen on!

Timestamps of the episode:

-Dr. Jordan shares his story as to why he wrote an investing book for physicians like himself. [02:40]

-The biggest regrets in life his patients tell him. Spoiler: Its not about money. [06:20]

-How would one go into aligning their own purpose in life to their financial goals. [09:43]

-He shares a powerful story of his patient who did something he never regretted in his life. [13:35]

-Know what your passionate about first then walk back to your personal finance and structuring around it.[15:22]

-How compounding can work not only in money. [24:05]

-Why we should not make money our goal but as a tool that helps us realize our true goals. [25:33]

-The great concept of slow/coast FIRE (Financial independence, retire early) [30:39]

-How writing your own obituary now can make wonders to your life. [33:25]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Link to Dr. Jordan's work and podcast- https://jordangrumet.com

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

To help grow the show, please consider filling out this survey to give us better insights into our listeners preferences, thank you!

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Andy Shuler Joins Us to Discuss HSAs and ETF Investing

Thu, 30 Mar 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we will be having Andy Schuler, our resident writer and partner in einvestingforbeginners.com blog talk with us about HSAs and other fun stuff especially on picking great ETFs and how to manage an inevitable change in investing philosophy as you go with life. Listen on!

Timestamps of the episode:

-What is a Health Savings account or HSA in the first place? and how it really is helpful and a must have. [02:20]

-Limits and qualifications in opening a HSA account. [04:18]

-Fees involved in using the HSA and how to utilize it when the time of need comes. [07:48]

-The benefits of HSA among different age groups and why the younger you are the better. [09:56]

-The best part of having a HSA account which is underrated. [13:15]

-Why Andy's investing philosophy changed and how life undeniably had a hand. [18:05]

-Boring is great! Andy shares his process of picking great ETFs. [25:50]

-What to absolutely avoid in ETFs [30:35]

-The difference between ETFs and index funds. [32:10]

-How to manage your portfolio allocation in dealing with ETFs and index funds. [34:15]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Today's show is sponsored by Rent to Retirement

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

To help grow the show, please consider filling out this survey to give us better insights into our listeners preferences, thank you!

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Masterclass Roundtable with Braden & Simon of The Canadian Investor Podcast

Mon, 27 Mar 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode, we will be joined by the hosts and good friends from the Canadian Investor podcast, Braden Dennis and Simon Belanger to talk with us in a kind of a masterclass session in each of their favorite companies. Listen on and get a crash course in knowing about the complexity of the semiconductor industry and the little known world of snowmobile recreational business.

Timestamps of the episode:

-Company in focus: ASML, the Dutch semiconductor lithography giant, one of the most important company that exists which no one knows about. [02:30]

-Why the semiconductor industry will become less and less cyclical in the coming years and how ASML will benefit from it. [07:10]

-The recent sanctions on tech against China, Taiwan-China crisis and how it will affect ASML in the long run. [11:28]

-Normalizing the demand ASML is getting and how the ongoing onshoring of chip production away from Southeast Asia will affect them. [13:39]

-ASML's rich valuation and geopolitical tie ups. [16:36]

-Next company in focus: Texas Instruments ($TXN), an analog semiconductor company that sits in the opposite spectrum of ASML. [20:30]

-The difference between analog and digital chips and why being in the analog space benefits TXN a lot. [24:21]

-The robustness of TXN's moat, their relentless focus on free cash flow per share and share buybacks.[27:30]

-Risks associated in TXN's business and change in management. [35:40]

-Last company in focus: Bombardier Recreational products ($DOO), a surprisingly sticky manufacturer of snowmobiles, and personal watercraft. [38:15]

-Inventory and high interest rate risk of DOO. [44:25]

-A good reminder that you don't need to swing in every single pitch. [49:25]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Resources and links mentioned in the show:

Braden and Simon's own investing podcast- https://open.spotify.com/show/2NG24rv3Mv09EMsIc6rVfs?si=aafee6b1ae95495e

The book Dave mentioned- Chip War https://www.amazon.com/Chip-War-Worlds-Critical-Technology/dp/1982172002

Braden's own investing research platform made for retail investors- https://www.stratosphere.io

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IFB270: The Difference Between Knowing the Name of a Thing & Knowing the Thing

Thu, 23 Mar 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In this episode, we will talk about a great learning technique pioneered by physicist Richard Feynman and how to apply it into investing itself. This is such an amazing tool as it forces you to go understand what you're learning in its first principles so listen on!

Timestamps of the episode:

-The Feynman technique and how to use it to become a better investor. [01:53]

-Reading the 10k's will always be the start in understanding any business. Also, respecting the too hard pile. [06:45]

-The simplest and easiest 10k's for beginners to read. [10:42]

-Putting it all together and what to do after understanding the business of a company. What's next? [13:36]

-Knowing the risk behind every business is the key. [17:00]

-The power of repetition and Charlie Munger's mental model on invert, always invert. [19:21]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Today's show is sponsored by Rent to Retirement

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IFB269: VTI (Value Trap Indicator) and Beyond

Mon, 20 Mar 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode we will discuss a great listener question extensively as it encompasses a lot of key ideas such as mental states, diversification, valuations, and more! So listen on!

Timestamps of the episode:

-The stock market is less like chess and more of a game of poker. [02:04]

-Using VTI v6 to hunt for deep value and why diversification is key here. [08:12]

-Long term approach vs deep value, which is better? Case in point: Intel. [13:31]

-Why deep value investing is hard and its not all about the numbers. [19:24]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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You can find the transcript of today's show below:

IFB269-VTI-and-BeyondDownload

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IFB268: Beyond Books: The Best Reading Resources for Investors

Thu, 16 Mar 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! This episode will be a chock full of important names and resources on investing so be prepared! We will go through briefly on a lot of familiar investors (and obscure ones also) and their speeches and shareholder letters and tell you why they're worth your dime to read so listen on!

Timestamps of the episode:

-Peter Lynch and his investing style of knowing what you own. A classic. [02:27]

-Warren Buffett's speeches and his letters [03:52]

-Charlie Munger, the OG partner of Buffett that is a league of his own. [05:28]

-Howard Marks and his value investing memos: the sane voice amidst the noise. [08:18]

-Joel Greenblatt: the best value investor teacher. [11:00]

-Terry Smith and his Fundsmith shareholder letters: growth investing. [13:50]

-Tom Gayner of Markel, the lowkey investor following Buffett's investing style using insurance float. [15:00]

-Jeff Bezos' early Amazon shareholder letters and the persistent focus on free cash flow. [16:33]

-Jamie Dimon, CEO of JPMorgan Chase's shareholder letters, the second best to read after Buffett. [18:02]

-Mark Leonard's shareholder letters of Constellation software: relentless attention to ROIC, free cash flow and company culture. [19:33]

-Bill Ackman of Pershing Capital [21:55]

-Nick Sleep and Zacharia Nomad partnership shareholder letters, the pioneer of scale economies shared. [23:15]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Today's show is sponsored by Rent to Retirement

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Resources mentioned in the show:

Most, if not all, can be found here- https://www.stratosphere.io/fund-letters/

Charlie Munger's speech transcript on the Psychology of Human Misjudgment- https://jamesclear.com/great-speeches/psychology-of-human-misjudgment-by-charlie-munger

Joel Greenblatt's Columbia class notes transcript- https://focusedcompounding.com/wp-content/uploads/2018/03/Joel-Greenblatt-Class.pdf

Howard Marks' memos- https://www.oaktreecapital.com/insights/memos

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IFB267: How to Measure Liquidity in Investments

Mon, 13 Mar 2023 04:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode is a product borne from a large project we're doing the past days which involves metrics and numbers. The topic is about how investors, beginners especially of course, can avoid putting their money in risky investments. So listen on as we talk about the different metrics that are really helpful in determining if a business can pay its dues.

Timestamps of the episode:

-How could beginners avoid risky investments? Is there such a way? [02:33]

-Talking about the interest coverage ratio and what this useful metric mean. [05:19]

-Current ratio and why it is such an important one to measure a business' liquidity. [11:00]

-Different ways companies service their debts in the short term. [19:27]

-Discussing the debt-to-equity ratio and how this metric best reflect a business' long term solvency. [25:12]

-A good reminder on picking businesses and capital allocation of the management. [27:29]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB266: Where Does the Money Go After Investing + Buying Companies Going Up

Thu, 09 Mar 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we have another round of great listener questions! As usual, we love receiving these types of questions as it refreshes our knowledge in the basics. We will talk about what happens to the money every time you buy a stock, average cost basis, dividend re-pricings and more! Listen on!

Timestamps of the episode:

-When you buy a stock, where does the money go? Dave and Andrew discuss the structure behind buying, selling and utilizing of shares. [02:13]

-What does it mean when a stock price fall?[05:50]

-How to cope with your price anchoring bias especially if you have cash to invest and your holdings are above your average costs. [08:10]

-Why averaging up your cost basis is much harder to do than averaging down. [15:00]

-Are companies lately decreasing their dividends? If so, what does it mean and why you should not be concerned. [17:04]

-Why would a company decrease/increase their dividends in general? [20:03]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB265: You Don’t Need a Background in Finance to Invest

Mon, 06 Mar 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be up close and personal! Dave here will be sharing his investing journey to show that you don't need a degree in finance in order to invest in the stock market. He shares his ways in learning investing by himself and how he managed through it all so listen on!

Timestamps of the episode:

-Dave shares his backstory and shows how you don't need an accounting degree to invest in the stock market. [02:13]

-What would make an accounting class interesting? [05:37]

-Dave talks about Liberty Media Corp and sets it as an example in making accounting classes interesting. [08:35]

-Where to look for the reported financials of a company you're interested in? and how to learn as a beginner? [11:12]

-The best way to reinforce your learnings. [16:02]

-Dave's favorite part of his investing journey. [19:24]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Brian Feroldi Discusses the Importance of Earnings + Much More

Thu, 02 Mar 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode we will be having a returning guest of the show for the third time! Brian Feroldi is back to discuss with us all about earnings call, how to approach position sizing, handle you own biases and more. Listen on as Brian's concise way of explaining things will surely leave you valuable insights to hold on to.

Timestamps of the episode:

-Brian talks about free sources to listen/access earnings call of companies you own and follow. [02:05]

-Why pay attention to earnings in the first place? [06:07]

-How to approach listening to earnings call if there's a lot of companies to keep tabs to. [07:18]

-Brian share his thoughts on position sizing and beginning a starter position. [09:45]

-Andrew talks about sunk cost fallacy and how this investing bias will cost you more than you intended to. [16:35]

-Differentiating between a good and bad investing decision. [19:29]

-Brian discusses Warren Buffet's investing checklist and how it will help individual investors stomach volatility. [22:58]

-How to decide what type of investor are you? [30:00]

-Learning accounting is a must and Brian emphasizes how crucial it is to learn the language of investing. [32:50]

-Brian takes a stab on Patrick O'Shaughnessy tweet on choosing three stocks to teach investing and shares his picks. [36:25]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Free earnings call sources mentioned in the show:

Quartr- https://quartr.com,

Tikr- https://www.tikr.com,

Seeking alpha- https://seekingalpha.com,

Stratosphere- https://www.stratosphere.io

Brian Feroldi's Twitter - https://twitter.com/BrianFeroldi

His youtube channel- https://www.youtube.com/@BrianFeroldiYT/featured

Today's show is brought to you by Shopify:

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IFB264: Basics of Risk + REITs and DCF

Mon, 27 Feb 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be us catering to another two great listener questions! Here we will open the talk on a question about what risk and volatility really is and end the episode with us taking a stab on the nature of REITs and how to value them. Talk about diversity so listen on!

Timestamps in the episode:

-Unpacking the idea of risk and how it governs your investing in general. [01:51]

-What is volatility? and how it relates to risk. [03:52]

-Separating the stock price from its business fundamentals. Focus on the underlying business! [06:42]

-How to navigate and handle risk and volatility. [12:11]

-Talking about what are REITs and how to value them. [16:28]

-What is AFFO/FFO and what it means to valuing REITs profitability. [20:08]

-How to use a discounted cash flow (DCF) on REITs. [24:04]

-Risks in doing DCF- tunnel vision and bogging down into unnecessary minute details. [28:20]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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You can find the transcript of today's show below:

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IFB263: Buying Compounders + Insider Buying

Thu, 23 Feb 2023 05:00:00 -0000

Welcome to Investing for Beginners podcast! In today's episode we will answer two great listener questions! It will revolve around what compounding really means in a business, why insiders sell and more. As always, we love receiving listener questions so keep it coming!

Timestamps of the episode:

-What does a compounding business mean? [02:15]

-How to search for compounding business. [03:35]

-Establishing your personal hurdle rates in returns. [04:56]

-Life cycle of a business. [07:40]

-Buying all the "shiny" high growth businesses when you can stomach the volatility. [10:26]

-Different levers a company can use to compound returns. [13:03]

-Where to find information on insider selling and what to make of it. [17:16]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Websites mentioned in the show-

https://www.stratosphere.io

https://finviz.com

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IFB262: Why You Should Consider Buying "Boring' Businesses

Mon, 20 Feb 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be about why boring is good! We are always excited in investing in what the market deems "boring"- businesses that are under the radar but has proven track record and returns over many years. Listen on and know why we do so!

Timestamps of the episode:

-Why you should buy "boring" businesses? [01:44]

-The allure of "shiny" objects in the stock market. [06:24]

-How to find "boring" businesses as a beginner. [10:05]

-Using filters and popular names to go about finding diamonds in the rough businesses. [13:48]

-Digging deeper, how to hone in and keep your biases at bay when looking into boring businesses. [19:26]

-The classic Peter Lynch advice: Invest in what you know. [23:42]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB261: Mr Market and Margin of Safety: Our Two Favorite Mental Models

Thu, 16 Feb 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we will discuss two of our favorite mental models that every long term investors should have! These two concepts are undeniably not new and came from Graham's seminal book, the Intelligent Investor but these mental models are timeless and will always be apt no matter what economic cycle we are. As long as human emotions and behaviors are in play in the stock market, these concepts will stay so listen on!

Timestamps in the episode:

-Back to basics: What's the stock market really is. [02:30]

-The Mr. Market mental concept: the stock market personified. [04:40]

-How to handle the ups and downs of Mr. Market. [09:28]

-The true edge of individual investors. [13:15]

-Margin of safety: paying less for what's its worth! [14:14]

-Patience and thinking more of the downside than the upside in investing. [20:04]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB260: Which Companies Would You Use to Teach a Finance Class?

Mon, 13 Feb 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be an investing class! Here we will take a stab on Patrick O'Shaughnessy's question posted in Twitter. (Link to the tweet- https://bit.ly/3HDqty4) The question goes like this: You get to teach an investing class by using three long term single case use stocks from any era. Berkshire's not allowed. Listen on as we discuss each of our picks that are sure good primer into what a great business is and vice versa!

Timestamps in the episode:

-Andrew's first case study: Coca-cola ($KO), a centennial multi-bagger brand. [02:14]

-The most obvious names can oftentimes make the most wealth in the stock market. [05:44]

-Dave's first case study: Visa ($V), the payment toll road king. [06:33]

-How Visa's business model changed into a scale not everyone expected it to be. [07:45]

-Andrew's second case study: Circuit city, the fallen electronics retailer. [10:44]

-Why a business that prioritizes growth at all cost can fall the hardest. [11:53]

-Dave's second case study: General Electric ($GE), a mature business on its last legs. [14:44]

-A perfect example of a company going through each stage of its business life cycle. [15:02]

-Why not all growth are not created equal. [18:00]

-Differentiating good acquisitions from bad ones. [20:18]

-Andrew's third case study: Tesla ($TSLA), the picture perfect growth machine. [21:57]

-A business on its early innings in real time. [25:05]

-Dave's third case study: Amazon ($AMZN), the e-commerce retail behemoth. [26:41]

-The management's relentless focus on free cash flow. [27:48]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Bird's Eye View of Texas Instruments, Focusing on Capital Allocation

Thu, 09 Feb 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we will be doing a bird's eye view on a semiconductor company, Texas Instruments. We will dabble not much on the nature of its semiconductor business but focus on how the company manages really well their business especially on the capital allocation front. This is another "boring" business that has done great for a long time so listen on!

Timestamps of the episode:

-A brief intro on what Texas instruments ($TXN) do. [01:00]

-What capital allocation really means. [01:45]

-Free cash flow is the mantra and king for TXN. [04:17]

-Why free cash flow matter in the first place? [10:07]

-What sets TXN's capital allocation apart from their peers. [15:20]

-The three metrics TXN's excelled for the longest time. [20:44]

-Downsides of doing buybacks and how TXN does it right. [26:45]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB259: All About Taxes and Different Vehicles You Can Use to Help Reduce Your Taxes

Mon, 06 Feb 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode will be about us talking on everybody's favorite subject- taxes! Sarcasm intended. As we near the tax filing season, we find it timely to talk about how taxes impact investing and ultimately your path to financial freedom. Listen on as we break down this important topic everybody's raving, or ranting about.

Timestamps of the episode:

-Why the topic of taxes is relevant in investing. [02:34]

-What are capital gains really? [04:21]

-Different vehicles that reduce taxes in investing. [05:33]

-The difference between traditional IRA and 401k accounts. [07:28]

-How dividends are taxed between the two retirement accounts. [11:19]

-What is a HSA? and why you would want to have one. [13:27]

-Breaking down tax deductions. [17:00]

-Talking about tax harvesting and why you should not make portfolio decisions based on this. [18:41]

-The best way to avoid taxes and how Buffett used this to compound his wealth. [22:23]

-How do you file your taxes? The two approaches you can take. [24:21]

-How the software Turbotax helps Dave in his taxes. [25:22]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB258: Discussion Around the Yield Curve and Potential Recessions

Thu, 02 Feb 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode is about the most anticipated recession and its relationship with the yield curve everybody is talking about in the financial space nowadays. We will shed light as to why people are fixated in the invertedness of the yield curve and the talk on "if the recession is here, why isn't it felt?" Listen on!

Timestamps of the episode:

-The polar opposite opinions on the existence of recession now. [01:25]

-What is the yield curve and its relevance to a recession. [03:10]

-Why the inverted yield curve poses an economic problem. [05:45]

-Understanding the effect of recession in the economy. [08:15]

-The lag between what the data shows and the market reaction. [11:40]

-Investing in a recessionary environment and market timing. [14:00]

-Focusing on what you can control. [17:43]

Note: Timestamps may differ and are approximate, depending on your podcast player.

The mentioned Richard Lehman seeking alpha article: https://seekingalpha.com/article/4564827-spy-understanding-s-and-p-500-performance-in-recessions

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Michelle Marki and Signe Lonholdt of Investing Mastermind Podcast Join Us to Talk Value Investing

Mon, 30 Jan 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we have not only one but two great guests! Michelle Marki and Signe Lonholdt of Investing Mastermind podcast joins us in talking about value investing, networking and their annual Berkshire meeting experience. They also share about their goal in bringing more women in a male dominated investing industry and how it will have a better overall impact in the industry as a whole. Listen on! More minds, the merrier!

Timestamps of the episode:

-How the Investing Mastermind podcast started. [01:03]

-Signe shares how she and Michelle were brought up into investing. [02:20]

-The annual Berkshire Hathaway meeting experience- the Woodstock for capitalist. [04:28]

-They talk about how women can fit well in a male dominated industry such as investing. [09:31]

-Reasons why there is a scarcity of women in the investing industry. [14:50]

-Michelle and Signe's value investing style. [18:18]

-Why now is the best time to invest. [22:15]

-How having an investing partner or essentially being with like minded individuals really help. [26:00]

-Unsafe investing spaces and how the Buffet-Charlie investing style of kindness is needed in those spaces. [31:15]

-How to find and network with like minded people. [35:23]

-Where to reach and learn more about Michelle and Signe's work. [38:33]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Michelle and Signe's Investing Mastermind podcast- https://open.spotify.com/show/5pLLzmn6aF5UUa9S8fCUnP?si=c6c4240520ad4558

their email- investingmastermindpodcast@gmail.com

Michelle Marki's investing youtube channel- https://www.youtube.com/@MichelleMarki/featured

Signe Lonholdt's blog- https://www.aahus.com

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IFB257: How to Know When to Take a Loss + Buying Great Companies for a Fair Price

Thu, 26 Jan 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! In today's episode, we will be answering two really good listener questions! We always love having our listeners send us questions as this not only challenges our thinking but also refreshes us on why we're investing in the first place and this episode is like that! Listen on as we tackle all around important questions on when to sell, what to do on big drawdowns and how to manage your own margin of safety.

Timestamps of the episode:

-When to sell or double down on a beaten down stock. [02:13]

-How to handle drawdowns: an introspective look on Berkshire's past and Paypal at the present. [05:58]

-People should embrace the randomness of the market more by taking a longer term view. [07:40]

-A stock's price and it's fundamentals don't always correlate. [09:40]

-Buying a wonderful business at a fair price. [14:12]

-Building a margin of safety over time. [17:30]

-The mindset of limited arrows in a lifetime you can shoot on your bets. [20:28]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Chris Grainger Joins Us to Discuss Budgeting, Credit, and Investing

Mon, 23 Jan 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! Today's episode is a timely one for the new year as we have Chris Grainger from the Lion Within talk with us about personal finance especially tackling the word "budget" which has become a taboo and being taken for granted by most. He also talks about how to become a good steward of your money by following the different pillars he developed himself. This was a fun conversation, punctuated with laughs and jokes, as Andrew and Chris are friends in real life so listen on!

Key takeaways of the episode:

-Chris Grainger shares his personal finance journey and the importance of emergency fund.

-The four pillars of stewardship of money: Giving, saving, spending, and investing.

-Savings should be an expense line item not otherwise.

-Doing monthly budget meetings and why it is a must.

-Tips on budgeting and managing sudden knee jerk big purchases.

-Why managing your budget should be a fun exercise and not a rigid one to fall for.

-How the EveryDollar app can help you get started with budgeting.

-The appeal of investing that gets Chris excited the most.

Chris Grainger's website- https://thelionwithin.us

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Evan of My Money Marathon Joins Us to Discuss Personal Finance + Investing

Thu, 19 Jan 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! Today’s episode is a must for begginer investors! We’re having Evan from mymoneymarathon.com talk with us his investing journey and also gives good personal finance advice for people who are in their early 20’s like him. Evan runs the mymoneymarathon.com blog, a passion project of his with the goal of helping beginners into the world of investing. Our podcast shares his enthusiasm in spreading financial literacy and achieving financial independence so our conversation was such a treat! Listen on!

Timestamps of the episode:

-Evan introduces himself and shares his personal finance journey. [00:20]

-People are willing to share about investing/personal finance more than what you would think otherwise. [02:31]

-How Evan manages to avoid the usual early financial mistakes people at his age make. [03:51]

-Evan’s cool approach to budgeting. [06:23]

-Why he thinks investing is a must have for everyone. [09:06]

-Evan talks about saving vs investing and what made him hooked in the stock market. [10:54]

-The misconception that the stock market is inaccessible and is reserved only for the few. [14:10]

-How management fees can eat up your returns in the long term. [16:47]

-Setting up automation in investing is easier than it sounds. [18:22]

-Evan shares how beginners can start investing in the stock market. [19:45]

-How to manage your emotions when your investment portfolio is down. [23:25]

-The idea and goal behind Evan’s mymoneymarathon.com blog. [27:23]

-The most important thing he has ever done in investing. [31:15]

-Evan goes through some of his relevant blog post for beginners and gives out terrific advice as well. [31:55]

Evan’s blog- https://mymoneymarathon.com

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB256: How to Work with Probabilities in Investing

Mon, 16 Jan 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast! In today’s episode, it’s all about probabilities! Of course, it relates to how you can incorporate it into your investing framework. We discuss Warren Buffet’s past bets and how he used probabilities to his advantage and also the nitty gritty problem on how to arrive on those probability numbers which what makes an alpha for investors.

Timestamps of the episode:

-What are probabilities and how it relates to investing in the stock market. [00:30]

- Talking about Robert Hagstrom’s book, The Warren Buffett portfolio and how Warren Buffett used probabilities to his advantage. [01:48]

-Using probabilities in your investing approach. [04:05]

-Diving further, assigning probabilities into your stock buying decisions. [05:42]

-Buffett’s early 90’s Wells Fargo bet and his probabilistic way of thinking in investing in other businesses. [08:43]

-How Andrew applies probabilities in his own investing decision making. [13:22]

-The Bayesian way of assigning probabilities. [16:00]

-Real world application: Auto industry [18:40]

How to position a portfolio as a beginner during the Sea Change

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB255: Howards Marks and the Ongoing Sea Change

Thu, 12 Jan 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss Howard Marks latest memo regarding the coming Sea Change in markets:

· Howard Marks – Sea Change

· How do interest rates impact investments?

· Thinking about we account for the newer ways companies make money and how to value those changes

· How to position a portfolio as a beginner during the Sea Change

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB254: P/E and Growth Plus Using a Reverse DCF

Mon, 09 Jan 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss P/E and growth along with how to use a reverse DCF

· What is the Price to Earnings Ratio?

· How to think about growth

· The importance of growth in investing

· How to use a reverse DCF

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB253: Four Investing Biases and How to Overcome

Thu, 05 Jan 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we cover four investment biases we all struggle with and how to overcome them:

Halo effect bias
Recency Bias
Hindsight Bias
Endowment Bias

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Today's show is sponsored by Shopify:

Shopify is the commerce platform revolutionizing millions of businesses worldwide. Whether you're selling children’s books or hand made bracelets, Shopify simplifies selling online and in-person so you can focus on successfully growing your business. Shopify covers every sales channel—from an in-person POS system to an all-in-one eCommerce platform — it even lets you sell across social media marketplaces like TikTok, Facebook and Instagram.

Sign up for a one-dollar-per-month trial period at SHOPIFY DOT COM SLASH “beginners”, ALL LOWERCASE. Go to SHOPIFY DOT COM SLASH “beginners” to take your business to the next level today.

You can find the transcript of today's show below:

IFB253-Four-Investing-BiasesDownload

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Christine Short of Wall Street Horizon Joins Us to Discuss All Things Earnings Calls

Mon, 02 Jan 2023 05:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we talk with Christine Short of Wall Street Horizon:

Christine fills us in on her extensive background
Dive into buy-side and sell-side analysts
An overview of earnings and what they mean
What's important from the earnings reports
We need to understand companies will highlight all the positives
What should we look for in earnings reports
Diving into the importance of same store sales
Other things to look beyond numbers for in earnings calls
How earnings can impact company stock results
How companies or sectors tend to beat earnings
What kind of resources can we use to find earnings
Check out the LERI Index

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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You can find the transcript of today's show below:

Christine-Short-and-Earnings-CallsDownload

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IFB252: Retirement Calculator, P/B and P/S Ratios, and Reinvesting AT&T Dividends

Thu, 29 Dec 2022 08:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we answer two great listener questions, and share some feedback:

· What is a safe retirement goal and how much money can you take out during retirement

· A question focusing on oil stocks and what kind of metrics you can use to start analysis.

· What are P/B and P/S ratios?

· What are our thoughts on AT&T and reinvesting their dividends into other companies.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Links mentioned in the show:

Finance subreddit The Fire or Financial Independence

Coast Fire Calculator

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Bird’s Eye View of Warren Buffett’s Purchase of See’s Candies and What We Can Learn

Mon, 26 Dec 2022 05:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we take a Bird’s Eye View of Warren Buffett’s purchase of See’s Candies and what we can learn from that investment:

· Explain See’s Candies and its cult-like following during the Holiday season

· Why are we discussing See’s Candies?

· Buffett uses See’s Candies as a great example of returns on capital, great management, and a moat

· Buffett likes to use See’s Candies as an example of pricing power

· Inflation hedges and how to find them

· How he buys in big and stays with a company for a long time

· Andrew big takeaway, the idea of the cash cow, and finding businesses who think like See’s

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IFB251: How to Get the Most Out of My Companies Dividends + Investigating Brokerages

Thu, 22 Dec 2022 08:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we answer three listener questions:

· What should I do to get the most out of my company’s dividend payments?

· The perks and benefits of HSA and how you can use one

· How do we research investing platforms?

· The differences between FDIC insurance and SIPC insurance

· What are our thoughts on investing in innovative industries or stocks not making a profit?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by: Masterclass

Today’s show is sponsored by Masterclass, one of my favorite new mediums to learn from. They have over 150 plus of the most brilliant minds sharing their insights and wisdom.

My favorite thing about Masterclass, you can learn how to become a better writer from world-class writers such as Malcolm Gladwell. In his class, he teaches you important topics like researching new ideas, how to go into depth in interviews. For example, he shares this tip about not preparing “too” much for an interview because it could stifle the creative process, BRILLIANT.

I highly recommend you check it out. This holiday, give one annual membership and get one free! Go to MASTERCLASS dot com slash ifb today. That’s MASTERCLASS dot com slash ifb. Terms apply.

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Alex Gregory of Better Way Teaches Us About Private Equity

Mon, 19 Dec 2022 05:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we talk with Alex Gregory of BetterWay LLC about private equity:

· Alex’s background and how he got started in private equity

· The difference between stocks and private equity

· What is the overall private equity market, how large is the opportunity

· How likely is it that retail investors can invest in private equity

· The main reason people invest in private equity

· How do you invest in private equity?

· What are characteristics of good fund managers in private equity?

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IFB250: The Wealth Snowball Recipe

Thu, 15 Dec 2022 08:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we are going to work through how to create your own Wealth Snowball:

· Recipe Part #1: You can’t worry

· Recipe Part #2: Gather your tools

· Recipe Part #3: Pack the snow, or get your finances in order

· Recipe Part #4: Push and Push, Grind Through It

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB249: Should We Use DCA for Individual Stocks or ETFs?

Mon, 12 Dec 2022 05:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we answer some great listener questions:

· Following up with a listener on finding a brokerage that can help you buy partial shares

· Should you use DCA (dollar-cost average) for individual companies or ETFs only?

· What is valuation and what sites are a good resource to help investors?

· Can you give me reasons to own ELE shares versus Google?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by Planet Money:

Tune in to Planet Money every week for entertaining stories and insights about how money shapes our world. Stories that can’t be found anywhere else.

Listen now to Planet Money from NPR -- wherever you get your podcasts.

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Bird's Eye View of Bear/Bull Case for Visa

Thu, 08 Dec 2022 08:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we take a Bird’s Eye look at the Bear/Bull Cash for Visa:

· Bull case #1: network effects

· Bear case #1: regulatory impacts

· Bull case #2: how Visa makes money

· Bear case #2: The rise of crypto

· Bull case #3: The use of cash continues to dwindle

· Bear case #3: The increase in too much digital and competition rising

· How to ensure you understand the bear and bull case for each investment

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Bird's Eye View of Google's 10-K: How to Read

Mon, 05 Dec 2022 05:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we take a Bird’s Eye look at Google’s 10-k:

· We discuss how we read the 10-k

· We discuss how to understand the business

· How to segment the 10-k into parts you can read

· The importance of the CTRL-F function and all it can help you read the 10-k

· The little clues you can pick up from while you read through each section

· The importance of understanding the risk section

· The meat and potatoes of the MD&A section

· Andrew skips the 3 financials section to continue learning the business

· Reading through the notes of Google

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IFB247: IFB247: Analyzing Apple & Tesla Through Back to the Basics

Thu, 01 Dec 2022 08:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we analyze Apple & Tesla through the lens of Back to the Basics

· What does it mean when you own shares in Apple & Tesla?

· How to look at the income statement for both companies

· How to look at the balance sheet, what we owe vs what we own

· Describing the cash flow statement as the checking account of each business

· What is one big metric can we use to measure cash flows?

· How can we look at capital allocation vis a vis buybacks and dilution

· Why should we buy Tesla or Apple?

· The price you pay matters and how does that impact investing in Apple & Tesla

· The impact of dividends

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Rich Howe Joins Us to Educate Us Concerning Spinoff Investing

Mon, 28 Nov 2022 05:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we talk with Rich Howe of Stock Spinoff Investing:

· How would Rich explain what a spinoff is, and how they work?

· Are there certain cycles or market cycles better for spinoffs?

· How do companies announce spinoffs?

· How would I benefit from a company spinning off a part of the business?

· Should investors stay with the parent company, or follow the spinoff?

· Do spinoffs have to go through the same process as a company IPOing.

· Red flags concerning spinoffs and what to avoid.

· Should you buy before or after the spinoff?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

To learn more about Rich check out these links:

Stock Spinoff Investing

Twitter

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Grace Nicolette Talks to Us About the Importance of Philanthropy

Thu, 24 Nov 2022 08:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we talk with Grace Nicolette of Center of Effective Philanthropy about the importance of giving:

· Grace is the Vice President of Programming and External Relations at CEP

· Grace co-hosts a podcast about giving The Giving Done Right Podcast

· How can giving back benefit the donors?

· How giving is different from investing, they are separate skill sets

· What is the first step to becoming a good donor?

· What pitfalls can donors fall into and how can we avoid them?

· Can getting a big donation hurt giving over the long-term?

· Grace talks to us about impacting investing and her interview with Jeremy Lin

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB246: How to Use Relative Valuation + Investing in New Companies or Current Portfolio

Mon, 21 Nov 2022 05:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we answer four great listener questions:

· How would invest if you have a company match that equals 10% in your 401k?

· Should I look for new names with extra funds, or reinvest in current holdings?

· Is using insider services essential to investing?

· What is Relative Valuation and how should we look at it regarding adjustments, and SBC (stock-based compensation)?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Today's show is sponsored by Planet Money Podcast.

With the Great Resignation, inflation on the rise, and a future recession on everyone’s minds—money is everywhere, in everything, fueling our lives. If you’re a fan of Investing for Beginners and are curious to learn something new and exciting about money every week, I recommend you listen to the Planet Money podcast from NPR.

Planet Money is a different kind of world where the complex economy actually makes sense; where human stories supersede abstract theories; and where listeners can learn, laugh, and be entertained. It’s econ, down to earth.

Listen now to Planet Money from NPR - wherever you get your podcasts.

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Kevin Carter of EMQQ Joins Us to Discuss Investing in China, India, and Latin America Part 2

Thu, 17 Nov 2022 08:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we continue our conversation with Kevin Carter about investing in China, India, and Latin America (LATAM).

· How does EMQQ solve part of the issue of investing in China

· Kevin discusses the three major trends sweeping the world

· We discuss investing in foreign companies using ADRs

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Today's show is sponsored by: Masterclass

Today’s show is sponsored by Masterclass, one of my favorite new mediums to learn from. They have over 150 plus of the most brilliant minds sharing their insights and wisdom.

Contact sales@advertisecast.com to advertise on Investing for Beginners podcast. The Investing for Beginners podcast is part of the Airwave Media podcast network.

Now, here’s part two of our conversation with Kevin Carter of EMQQ, picking up in the middle of the interview. To hear part 1, please download last weeks episode.

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Kevin Carter of EMQQ Joins Us to Discuss Investing in China, India, and Latin America Part 1

Mon, 14 Nov 2022 05:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we talk with Kevin Carter about investing in China, India, and Latin America (LATAM).

· We discuss Kevin’s background, including meeting and working Burton Malkiel, the author of A Random Walk Down Wall Street

· Dispelling myths about investing in China

· Is the political risk of the government taking over companies overblown, and are we overthinking these ideas?

· Are there risks of companies being completely state owned?

· How to think about the historical leaders imperative to take care of the Chinese people and investing in the country

· What are our resources to investigate companies in emerging markets?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB245: Should You Max Out Your 401k + Resources to Learn More About Dividends

Thu, 10 Nov 2022 08:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we answer four great listener questions:

· Would it better to max out your 401k before investing in a brokerage account?

· How to best use a 529 plan

· Are there any books to help you get started in dividend investing?

· Is there an easy way to track dividends?

· When should I am to withdraw dividend income instead of reinvesting?

· What is your assessment of Berkshire Hathaway as an investment?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Louisa Nicola Joins Us to Discuss Improving Your Health to Make Better Decisions

Mon, 07 Nov 2022 05:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with Louisa Nicola, neurophysiologist and brain coach:

· We talk about Louisa’s background

· We spend some time talking about sleep and its importance related to making decisions

· How you can improve your sleep

· The benefits of exercise, particularly strength training

· How habits affect our brain, and why our brain likes habits so much

· How habits can help us make better decisions

· How can stress impact our decisions, and what can we do to reduce stress?

· How can the food we eat impact our decision making?

· How can we use these 3 pillars of health to help improve our investing and decision making?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

If you want to learn more about Louisa:

Neuro Athletics

Newletter

Neuro Experience with Louisa Nicola Podcast

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IFB244: How to Deal with a Few Companies Taking a Sizable Portion of Your Portfolio, Plus Index Funds & Trust Funds

Thu, 03 Nov 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we answer four great listener questions:

· What’s a great index fund to start DCA (dollar cost averaging) into?

· How to approach the family broker as the manage the trust fund, and how to work with your family on different money issues

· How to approach positions in the portfolio that grow beyond your comfort level, and should you learn more about others in your portfolio?

· Should I adjust for stock-based compensation in my valuation models?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Little Package of Valuation

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Bird's Eye View of HP Inc

Mon, 31 Oct 2022 04:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we take a look at bird’s eye view of HPQ or HP Inc :

· Why would Warren Buffett buy this company?

· First step look at the top line growth or revenue growth

· Brief historical look at the company.

· What we are seeing from the Income Statement

· Andrew dissects their demand and growth

· We take a look at the balance sheet using the current ratio

· Andrew discusses brand and its importance to the company

· We take a look at the ROIC (return on invested capital)

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Today’s show is sponsored by BetterHelp:

BetterHelp is the world's largest therapy service, facilitating over 5,000,000 video sessions, voice calls, chats, and messages every month. BetterHelp set out on a mission to ensure everyone has easy, affordable, and private access to high-quality therapy.

As someone who struggled with mental health earlier in life, therapy helped me better handle my struggles.

If you consider giving therapy a try, BetterHelp is a great option; it's convenient, accessible, affordable, and entirely online.

When you want to be a better problem solver, therapy can get you there. Visit BetterHelp dot com slash INVESTING today to get 10% off your first month.

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IFB243: What You Can Buy on the Dip

Thu, 27 Oct 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat about what you can buy during the dip:

· Andrew & Dave’s first type of company – GARP (growth at a reasonable price)

· Andrew’s next category – Cyclicals

· Andrew’s Third Category – Value with a Catalyst

· Dave’s last category – World Class Companies at great prices

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by: Masterclass

Today’s show is sponsored by Masterclass, one of my favorite new mediums to learn from. They have over 150 plus of the most brilliant minds sharing their insights and wisdom.

I highly recommend you check it out. Get unlimited access to EVERY class, and as a Investing for Beginners podcast listener, you get 15% off an annual membership! Go to MASTER CLASS dot com slash ifb now.

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Bird's Eye View of Mercedez Benz

Mon, 24 Oct 2022 04:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we take a bird’s eye view of Mercedez Benz Group (MBGAF)

· We discuss some of the challenges of tracking down the ticker because of the recent split of the company, from Daimler to Mercedez Benz

· An overview of ROIC (return on invested capital) and its importance

· Comparing Tesla’s ROIC to Mercedez Benz

· Looking at the different models for Mercedez Benz compared to others in the industry, such as Tesla, Honda, and Toyota

· How can a high dividend yield impact a potential investment

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Andrew Schrage of Money Crashers Joins Us to Talk Finance and Side Hustles

Thu, 20 Oct 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with Andrew Schrage, CEO and co-owner of Money Crashers:

· How Andrew started Money Crashes and how his “side hustles” grew to become the business it is today.

· How Money Crashers focused on people without much financial background and how they targeted content to help those people.

· The biggest challenges he sees out there, helping people save more money, and understanding credit cards and how they work.

· How Andrew describes compound interest and the impact of paying off debt

· What Andrew thinks of BNPL (Buy Now Pay Later)

· Andrew’s thoughts on creating discipline with your money

· How to look at growing income, side hustle, or reducing expenses and which will work best for people

· What does he think is the biggest hangup preventing people from starting investing?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

You can learn more here from these great articles:

Credit Card Advantages/Disadvantages

Best Cash Back Credit Cards

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Bird's Eye View of Brookfield with Adrian of Stratosphere

Mon, 17 Oct 2022 04:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we take a bird's eye view of Brookfield Asset Management (BAM) with Adrian from Stratosphere.io.

· How Adrian got his start in Cannabis and how he learned from his mistakes

· Talking about Adrian’s background in accounting and how he overcomes FOMO.

· Talking about doing research outside of the US, in Canada using company websites.

· How Adrian uses Twitter to help him do research and find investment ideas

· How Adrain approaches research, and his red and green tag idea

· Brookfield offers a great company as a case study, with a challenging business model to understand

· What Brookfield does?

· What kind of returns has Brookfield generated over the years

You can follow Adrian on Twitter and Stratosphere

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB242: How to Use Dollar Cost Averaging with a Fixed Amount + Defining Goodwill

Thu, 13 Oct 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we answer four listener questions:

How do you DCA (dollar cost average) into your portfolio with a fixed amount?
What brokers allow you to use fractional or partial shares?
How do you transfer individual stocks to another brokerage?
What are the Dogs of the Dow?
What do we think of Goodwill on the balance sheet?
How to get started with the Sather Research eLetter, Roth IRA vs brokerage account

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Patrick Findaro Joins us to Talk about Franchising and Opportunities for Visas

Mon, 10 Oct 2022 04:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with Patrick Findaro, managing partner of Visa Franchise, along with co-founding Vetted Biz:

Patrick discusses his background and how he started helping people emigrate to the US using the E2 Visa via franchising
He started the Vetted Biz website to help investors learn more about franchising
What kinds of different business models exist outside of restaurants in the franchise model?
What is the process of getting a franchise up and running?
Do the franchise agreements, leases, and visa all match up?
How to analyze franchises, is it different from analyzing equities or stocks?
Pros and cons of investing in franchiese versus stocks

Patrick is offering access to Vetted Biz for six months to the first ten people who email him at Patrick@vettedbiz.com

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

You can find more from Patrick here:

Visa Franchise

Vetted Biz

Today’s show is sponsored by: Shopify

Shopify is a platform designed for anyone to sell anywhere, giving entrepreneurs like myself the resources once reserved for big business - customized for my needs - with a great looking online store that brings my idea to life, and tools to manage my day-to-day and drive sales

Making your idea real opens endless possibilities; it’s a journey but that's the beauty of entrepreneurship

Believe me, this podcast started as a way to teach beginners about investing, and has become my full-time job. Shopify powers millions of entrepreneurs just like me - from first-sale to full-scale.

And every twenty-eight seconds a small business owner makes their first sale on Shopify.

Get started by building and customizing your online store with no coding or design experience.

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IFB241: How to Start Valuing Companies

Thu, 06 Oct 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we will answer two listener questions and discuss our thoughts on valuing companies:

· Is it better to pick one or the other of ETFs, S&P 500 or Total Index fund?

· Can we use the VTI to evaluate REITS and how does the Little Package of Valuation work?

· What are our thoughts on valuation.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by: Medcline

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You can find the transcript of today's show below:

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Jake Taylor Joins Us to Discuss Value Investing and the Importance of Journaling

Mon, 03 Oct 2022 04:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with Jake Taylor, CEO of Farnam Street Investments and co-host of Value After Hours:

How did Jake get started in the investing world?
How does Jake think about value investing and has his perspective changed over the years?
What are Jake’s thoughts on projecting future results
How to think about base rates
Jake talks about some of his investing mistakes from base rates, and what he learned from those mistakes
Jake’s opinion on DIY investing and how investing information flows learning to deal with those ideas
What the market needs to generate good returns
How Jake uses Journalytic to help him keep track of his investment thought process

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

You can find more from Jake here:

Twitter

Journalytic

Farnam Street Investments

Value Investor Hours

Today’s show is sponsored by BetterHelp

As someone who struggled with mental health earlier in life, therapy helped me better handle my struggles.

If you consider giving therapy a try, BetterHelp is a great option; it's convenient, accessible, affordable, and entirely online.

When you want to be a better problem solver, therapy can get you there. Visit BetterHelp dot com slash INVESTING today to get 10% off your first month.

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IFB240: Why You Should Avoid Buying the Dip

Thu, 29 Sep 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we talk discuss why you should not to buy the dip in the markets:

· Try to avoid expensive stocks

· Avoiding value traps

· The potential of crypto and the minefield that exists in the sector

· Avoid IPOs and SPACs

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Brad Thomas Joins Us to Discuss REITs

Mon, 26 Sep 2022 04:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we talk to Brad Thomas, the leading REIT analysts,

*How Brad started in real estate, and what is a REIT?

*How REITs can provide advantages for individual investors

*How investors can get started investing in REITs

*What areas to look for to take advantage of REITs

*An overview of the REIT sectors

*The Impact of Power Centers and locations + product mix

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB239: Why Time in the Market is More Important Than Timing the Market

Thu, 22 Sep 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we answer two plus great questions:

· Explaining Fibonacci retracements and why we don't use charting as an investing strategy

· The drawbacks to trying to time the market and holding cash waiting for the perfect opportunity

· How to research companies or industries in emerging markets or industries and the struggles you might encounter

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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You can find the transcript of today's show below:

Contact sales@advertisecast.com to advertise on Investing for Beginners podcast. The Investing for Beginners podcast is part of the Airwave Media podcast network.

I love this podcast because it crushes your dreams and getting rich quick. They got me into reading stats for anything you're tuned in to the Investing for Beginners podcast by Andrew Sather and Dave Ahern with a step-by-step premium investing guide for beginners. Your path to financial freedom starts now.

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Josh Levin of OpenInvest Joins us to Discuss Sustainable Finance

Mon, 19 Sep 2022 04:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with Josh Levin, co-founder and chief strategy officer of OpenInvest:

· How Josh got into sustainable finance

· How his background led him to his career and his love of nature helped spur his desire to create sustainable finance

· How OpenInvest helps drive sustainable finance and the tools they offer

· What kinds of changes he sees coming as a result of technology and how people use their money, particularly in the younger generation.

· His thoughts on the criticism that ESG doesn't make much of an impact and how to reframe the question

· How to get started in sustainable finance

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB238: Using Your 401k Match to It's Fullest, and What is the Best 401k Allocation?

Thu, 15 Sep 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we answer three great listener questions:

How to get started as a young investor under 18
Should I invest totally in my 401k with 100% stocks, or use a different allocation, if I am under 30?
How to treat your 401k match

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by Medcline:

I found something to help you like it's helped me, Medcline.

Now get 20% off when you go to Medcline.com/investing and get a better night's sleep today.

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Brian Feroldi Discusses the Importance of Quality and Valuation

Mon, 12 Sep 2022 04:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with Brian Ferodli about finding quality companies and the importance of valuation:

· What he sees in the markets today

· How to profit from investments in a way that you can use today.

· The quality filters he uses to find great investments

· The importance of valuation and determining where the company is in their life cycle

· The Importance of potential and finding companies with the potential to grow 5x to 10x

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by:

Shopify is a platform designed for anyone to sell anywhere, giving entrepreneurs like myself the resources once reserved for big business - customized for my needs - with a great-looking online store that brings my idea to life and tools to manage my day-to-day and drive sales.

Go to Shopify.com/beginners to start your FREE trial and get full access to Shopify’s entire suite of features.

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IFB237: The Impact of Proxy Voting and Investing in Money Losing Companies

Thu, 08 Sep 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we answer some great listener questions:

How do we feel about investing in companies with ESG concerns?
What are our thoughts of investing in precious metals or metals?
How does the Proxy statement work, and voting for our values
How do we deal with companies losing money over a year?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by:

Allegiance Gold

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Transcript

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Discussing Dividends with DivGro, A Dividend Growth Investor

Mon, 05 Sep 2022 04:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with Ferdi from the DivGro:

How did he get started in dividend investing, and why dividend growth investing?
How does he finds companies to buy, and what his criteria for investments are based on?
The differences between Dividend Aristocrats and Dividend Kings
What kinds of resources does he use to find the best investments
How he handles dividend cuts and portfolio management
The importance of changing your perspective and investigating other approaches

You can find more from Ferdi here:

DivGro Blog

@divgro

FerdiS on Seeking Alpha

Portfolio-insight.com

Ferdi Scheepers on TheStreet.com’s Dividend Strategists:

Today's show is sponsored by:

BetterHelp

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Bird's Eye View of IBM

Thu, 01 Sep 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we take a bird's eye view of IBM:

· We talk about the top line or revenue growth of the company

· Next, we discuss the operating margins of IBM

· Andrew and I talk about the different margins of companies, ie. Visa and Costco

· We look at the acquisitions and cash flow statement for IBM

· Final verdict on an investment in IBM

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Nick Maggiulli Joins Us To Talk About Just Keep Buying

Mon, 29 Aug 2022 04:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with Nick Maggiulli, author Of Dollars and Data and the new book: Just Keep Buying:

· What drew him to dollars and data, and why did he start his blog, Of Dollars and Data?

· The impact of fees on long-term results

· How to improve your savings rates and some of the things holding people back from saving more

· Nick discusses the importance of raising your income

· Nick's thoughts on debt, what kind of debt you have, and its impact

· How to flip the narrative and keep investing during downtimes

· The importance of dollar cost averaging or DCA

· How to start investing in your 401k as a younger investor

Today’s show is sponsored by:

BetterHelp

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB236: Differences Between ETFs and Mutual Funds, Investing in Companies Beyond Fair Value

Thu, 25 Aug 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we answer three great listener questions:

· The differences between investing in mutual funds and ETFs

· Why we advocate for investing in individual stocks

· How to deal with dollar cost averaging into a company that has grown beyond its fair value

· How to start building your portfolio following Andrew's eLetter picks and the importance of a time horizon

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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David Stein from Money For the Rest of Us Podcast Discusses Closed-End Funds and Commodities

Mon, 22 Aug 2022 04:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with David Stein of Money for the Rest of Us podcast, and the book of the same name:

· David explains Closed-End Funds to us

· Differences between open and closed-end funds and ETFs

· The best strategy to invest in closed-end funds

· Good resources to research closed-end funds

· What are the best accounts to use for closed-end funds

· We get David's take on the commodity market

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB235: Static Dividend Payers and Risk-Free Rates for Valuation

Thu, 18 Aug 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

· What is an average investor or beginner?

· What are our thoughts on Robo-advisors?

· Thoughts on companies that pay a static dividend?

· How do you approach the risk-free rates for valuation models

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Vitaliy Katsenelson Discusses Having Soul in the Game and the Importance of Habits

Mon, 15 Aug 2022 04:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with Vitaliy Katsenelson about his new book, Soul in the Game: The Art of a Meaningful Life

· We ask Vitaliy if he is an investor who writes or a writer who invests.

· What drove him to write this new book?

· Why everyone should write, it helps you think better; plus, as an investor, it acts as a journal concerning your decisions.

· How writing can help you help you change your mind; as you grow, you learn, and writing can help you grow your thinking.

· How to develop better habits, start small.

· How to develop the skill of meditating.

· What he means by "Soul in the Game."

· The importance of Stoic philosophy and how it gives us an operating system for life.

You can learn more about Vitaliy and his investment firm, IMA, here and read all of his articles here.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Talking About the Importance of KPIs with Braden Denis of Stratosphere

Thu, 11 Aug 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with Braden Denis of Stratosphere.io:

· Braden talks about what excites him in the markets currently, including focusing on KPIs (Key Performance Indicators).

· The ability to get started and how much easier today than it was five years ago, with lower fees, better products, and more information available.

· How he uses KPIs to simplify his investment process and use them to track your company's performance.

· Using KPIs to compare companies and the usefulness of the comparisons.

· Creating a simple checklist using KPIs to help them narrow down their investment choices.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB235: Bird's Eye View of Walmart

Thu, 04 Aug 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

· A Bird's Eye view of Walmart

· Starting to learn the company via the 10-k; if you understand the business, move on to the rest of the 10-k.

· Focus on the top line growth or revenue growth

· Understanding the process of analyzing a company and using that knowledge to compare it to other companies.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB234: Deciding to Dollar Cost Average into New Ideas or Current Portfolio

Thu, 28 Jul 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

· Whole life insurance and how they work as a general rule

· How much should you have for an emergency fund before starting to invest

· How to decide on which ideas to dollar cost average in a portfolio, new investments, or current holdings?

· How quickly should you dollar cost average, should you hold back until market conditions improve?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Talking Real Estate and 401k with Katie Gatti from Money with Katie

Thu, 21 Jul 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with Katie Gatti from the Money with Katie podcast and blog.

· The advice that everyone should buy a house is completely wrong, and how she thinks about housing, owning vs. renting

· Deep dive into real estate and how to find something you can comfortably own

· How to start investing in 401k and setting your budget to allow you to succeed early

· How to set up your investment accounts to take advantage of the tax savings

· What are some of the bigger mistakes beginners make with 401ks, and how to avoid them

· Uncovering a Target Date fund and how they work

· Why aren't there more women in finance, and how to change that status

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Creating Retirement Security with James Canole

Thu, 14 Jul 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss retirement planning with James Canole of Root Financial Partners.

Some common misconceptions about retirement planning.
How to plan for having security in your retirement.
How to develop safety or security in your retirement
Avoiding working too long and retiring when you are ready
Does the 4% Rule still apply?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB233: Analyzing Debt and Cash Flow Using Weber Grill's Financials

Thu, 07 Jul 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss the finer points of debt and cash flow analysis using Weber Grill’s financials.

Breaking Down Weber Grills after their recent IPO
Analyzing the debt of Weber Grill and how you can use it for other companies
How to analyze the cash flow statement
The ideas and concepts behind share-based compensation, the good and the bad.

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The Importance of Moats with Mark Lamonica of Morningstar

Thu, 30 Jun 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with Mark Lamonica, Head of Individual Research at Morningstar.

· How to invest in today's topsy-turvy markets

· The importance of moats and how to measure them

· The highs and lows of buying the "dip" and some caution are necessary

· How to interpret narratives in investing

· Mark's thoughts on ETFs

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB232: How to Calculate Price to Sales Plus Interpreting the Ratio

Thu, 23 Jun 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

· How do I know if I should max out my Roth IRA?

· Our thoughts on the defense sector and investing in companies like Raytheon, General Dynamics, and Lockheed Martin

· How to calculate Price to Sales ratio

· Our thoughts on the companies Affirm and Carvana

Today's show is sponsored by:

Nugenix Text Beginners 231-231

My First Million Podcast

iTrust Capital

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IFB231: Back to the Basics (UPDATED)

Thu, 16 Jun 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss

The importance of compounding and the impact it can have on your returns
How to setup dollar cost averaging and to start the regular habit of continually investing
How diversification can help spread the risk around your portfolio
How to determine what kind of investor you are (DIY, 401k, Want help)
Determining which investment accounts works best for you (Roth, Traditional, Brokerage)

Today's show is sponsored by:

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Brian Feroldi Talks About Why the Stock Market Always Goes Up

Thu, 09 Jun 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we chat with:

· Brian Feroldi, author of “Why Does the Stock Market Go Up?”

· We talk about the lack of financial education and ways to overcome those challenges.

· We discuss the current market conditions today, and how to benefit from them.

· Brian gives a synopsis of the different types of businesses out there, capital returners, capital self-funders, and capital raisers.

· We discuss how to invest in the different types of businesses, plus how to overcome the fear of flying.

Today's show is sponsored by:

My First Million Podcast

Interactive Brokers

iTrust Capital

Nugenix Test Beginners to 231-231

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IFB230: How to Spot and Avoid Value Traps

Thu, 02 Jun 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

· How to spot Value Traps and some of the characteristics of companies that might become a value trap.

· Companies who become value traps because they are cheap, and why those types are dangerous.

· Several examples of value traps are Circuit City and Goodyear Tire

· What are some metrics and different items on the financials to look for to avoid value traps

Today's show is sponsored by:

My First Million Podcast

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB229: How to Deal With Buying and Holding When Our Theory Changes??

Thu, 26 May 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

· Tracking your profits and losses in your brokerage accounts and the best way to follow those changes.

· What to do when stocks fall, and we are supposed to buy and hold investors?

· How to deal with Mr. Market and Trailing Stops?

Today's show is sponsored by:

My First Million Podcast

Interactive Brokers Use Code Beginners

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IFB228: How to Avoid Dividend Traps + ESPP Plans

Thu, 19 May 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we welcome:

· How do ESPP plans work, and what kinds of returns can you expect from those types of employee stock purchase plans.

· How to avoid dividend traps

· A quick look at Cigna's financials and exploring why their dividends have increased

· Alternatives to hedging against the market using leveraged ETFs in a bear market

Today's show is sponsored by:

My First Million Podcast

iTrust Capital

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Eric Balchunas on Fiduciaries, Jack Bogle, and All Things ETFs

Thu, 12 May 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we welcome:

Eric Balchunas, the Senior ETF analyst for Bloomberg Intelligence, recently published a fantastic book, The Bogle Effect.
Eric and Andrew discuss what a fiduciary means and how they impact investments, particularly ETFs.
What is passive investing versus active funds, and how has Vanguard disrupted the investing community.
During Bogle's life, Vanguard was not the behemoth it is today; it wasn't until he retired that it became the beast it is today, showcasing Bogle's fiduciary focus and patience
How can investors learn to internalize the buy and hold idea without learning from experience?
The idea of compound interest and how it can move the needle

You can find more of Eric:

@EricBalchunas

Trillions Podcast

ETF IQ on Bloomberg TV

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IFB227: How to Keep Your Spirits Up When the Market is Falling

Thu, 05 May 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

How to stay invested in the markets, even during downtimes, without getting discouraged
How to manage our emotions and control our emotions when we invest
The impact of dividends and the double compounding effect as a result of investing in dividend-paying companies

Today's show is sponsored by:

My First Million

Stratosphere Investing

Interactive Brokers

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Discussing All Things REITs with Chris Volk, former CEO of Store Capital

Thu, 28 Apr 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

Public REITs with Chris Volk, former CEO of two public REITs, including Store Capital (STOR)
What trends appeal to him in the commercial real estate space, and why he likes to focus on business models
How to value REITs using different methods and to focus on business models
His new book, Value Equation, discusses how to build wealth for leaders, entrepreneurs, and investors
The importance of return on equity and the returns REITs generate through dividends and capital appreciation

Today's show is sponsored by:

My First Million

Stratosphere Investing

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB226: Unlocking the Different P/E Ratios, Cap-Weighted vs Equal Weighted Indexes, and the Business Development Sector

Thu, 21 Apr 2022 07:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

What are the differences between Non-GAAP P/Es, forward P/Es, and trailing P/E ratios?
The differences between equal-weighted and cap-weighted indexes
Exploring the Business Development Industry with shallow looks at several companies, Hercules Capital and Prospect Capital

Today's show is sponsored by:

My First Million

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB225: Understanding Different Business Models and Recurring Revenues, Plus A Brief Dive into Retail Furnishings

Thu, 14 Apr 2022 07:00:00 -0000

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IFB224: What Happens to Your Shares In the Event of Big Changes, CEO Leaving, Acquistions, or Other News?

Thu, 07 Apr 2022 07:00:00 -0000

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IFB223: Investing Close to Retirement and REITs 101

Thu, 31 Mar 2022 07:00:00 -0000

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Learning to Invest with Maj Soueidan of GeoInvesting

Thu, 24 Mar 2022 07:00:00 -0000

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IFB222: Dollar Cost Averaging - What It Is and How to Apply It, Plus How to Analyze High Debt to Equity Companies

Thu, 17 Mar 2022 07:00:00 -0000

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IFB221: Who Are Some of the Best Businesses in the Market?

Thu, 10 Mar 2022 08:00:00 -0000

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Understanding the Market Cycles with Mike Singleton of Invictus Research

Thu, 03 Mar 2022 08:00:00 -0000

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IFB220: Dividend Reinvestment Mechanics and Profiting from the Activision/Microsoft Merger

Thu, 24 Feb 2022 08:00:00 -0000

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Intro to Bitcoin with Simon Belanger of the Canadian Investor Podcast

Thu, 17 Feb 2022 08:00:00 -0000

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How to Deal with Market Volatility with Braden Denis

Thu, 10 Feb 2022 08:00:00 -0000

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IFB219: How an Elevated or Rising Stock Price Helps a Company

Thu, 03 Feb 2022 08:00:00 -0000

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IFB218: How to Get Started Investing When the Market Might Crash

Thu, 27 Jan 2022 08:00:00 -0000

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IFB217: Investing in Carbon Credits and Useful Metrics for Beginners

Thu, 20 Jan 2022 08:00:00 -0000

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IFB216: How to Find Beaten Down or Out of Favor Companies to Analyze

Thu, 13 Jan 2022 08:00:00 -0000

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William Green On Living a Life With Simplicity, Avoiding Complexity, and Eliminating Stupidity

Thu, 06 Jan 2022 08:00:00 -0000

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IFB215: ETFs and Stock Price Impacts, Plus Stock Spinoffs

Thu, 30 Dec 2021 08:00:00 -0000

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Getting Started in the Markets Early with Shamus Madan of MBIT Podcast

Thu, 23 Dec 2021 08:00:00 -0000

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IFB214: Shorting - How to Determine If Your Company Is Shorted and How to Handle

Thu, 16 Dec 2021 08:00:00 -0000

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IFB213: Intrinsic Value for Beginners

Thu, 09 Dec 2021 08:00:00 -0000

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Chris Hutchins of All the Hacks Discusses HSAs, ETF investing, and More

Thu, 02 Dec 2021 08:00:00 -0000

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IFB212: Investing in "Safer" Investments, Picking ETFs and Individual Stocks, and Bond ETFs

Thu, 25 Nov 2021 08:00:00 -0000

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Digging Out of Heavy Debt So You Can Invest More with Chris Grainger

Thu, 18 Nov 2021 08:00:00 -0000

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Why Some Growth Stocks Are Crashing

Thu, 11 Nov 2021 08:00:00 -0000

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Examples of Hard Asset Investing Through REITs and LPs with Eric Schleien

Thu, 04 Nov 2021 07:00:00 -0000

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IFB211: Brokers, Index Funds, and Cash Flow Statements

Thu, 28 Oct 2021 07:00:00 -0000

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Evolution of a Value Investor with Jason Rivera

Thu, 21 Oct 2021 07:00:00 -0000

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Scott Lynn of Masterworks Talks to Us About All Things Art Investing

Wed, 20 Oct 2021 05:00:00 -0000

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IFB210: Student Debt, TQQQ, and DCFs

Thu, 14 Oct 2021 07:00:00 -0000

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Todd Wenning on Sell-Side Analysts and How Company Culture Impacts Investments

Thu, 07 Oct 2021 07:00:00 -0000

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IFB209: Investing the Fantasy Football Pot, Thoughts on Stock Adviser Services

Thu, 30 Sep 2021 07:00:00 -0000

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The Canadian Investor Podcast Share Their Investment Checklist

Thu, 23 Sep 2021 07:00:00 -0000

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IFB208: ETFs and Dividends/Fees, Plus How to Navigate Changes in Financials

Thu, 16 Sep 2021 07:00:00 -0000

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IFB207: Using a ReFi to Invest, Mutual Fund Questions, and Covid Impacts on Certain Industries

Thu, 09 Sep 2021 07:00:00 -0000

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IFB206: Roth vs 401k and Investing With a Margin of Safety

Thu, 02 Sep 2021 07:00:00 -0000

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IFB205: US/CAD Capital Gains, I Bonds, Reversion to the Mean

Thu, 26 Aug 2021 07:00:00 -0000

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The Market Set to Explode with Green Energy with Marin Katusa

Thu, 19 Aug 2021 12:39:46 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

Talk with Marin Katusa about his views on rare earth metals, gold, and other commodities
We discuss the ideas behind his fantastic book, Rise of America
We talk through the exciting ideas behind carbon credits and how to prosper from them.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB204: Market Timing and Inflation Hedges

Thu, 12 Aug 2021 07:00:00 -0000

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IFB203: Old 401k, Potential Fraud, and DRIP

Thu, 05 Aug 2021 07:00:00 -0000

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IFB202: Derivatives, Tobacco, and Inheritance

Thu, 29 Jul 2021 08:00:00 -0000

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Andrew Wilkinson's Tiny Tech Empire

Thu, 22 Jul 2021 09:00:00 -0000

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IFB201: Back to the Basics (Updated)

Thu, 15 Jul 2021 09:00:00 -0000

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Intro to Protective Puts with Cameron Smith

Thu, 08 Jul 2021 09:30:00 -0000

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IFB200: Stock Screeners, Cheap Stocks, and Great Businesses

Thu, 01 Jul 2021 07:05:00 -0000

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Passive and Sustainable Investing with Personal Capital's Brendan Erne

Thu, 24 Jun 2021 05:00:00 -0000

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IFB198: Two Value Boomers Talk Bitcoin and Crypto

Thu, 17 Jun 2021 05:00:00 -0000

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Chinese, Japanese, and Media Stocks with Eric Schleien

Thu, 10 Jun 2021 05:00:00 -0000

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IFB197: Green Stocks, ETF Problems, and Robo Adivsors

Thu, 03 Jun 2021 05:00:00 -0000

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Tips For Buying Cheap Land Remotely and Flipping It With Jessey and Kevin

Thu, 27 May 2021 04:00:00 -0000

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IFB196: Investing in Companies with Wide Moats

Thu, 20 May 2021 04:00:00 -0000

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Lessons After 40+ Interviews of the Greatest Investors with William Green

Thu, 13 May 2021 04:00:00 -0000

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IFB195: Stocks with Multiple Tickers, Keeping Dry Powder for Corrections

Thu, 06 May 2021 04:00:00 -0000

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IFB194: Thoughts on Heavy Portfolio Concentration

Thu, 29 Apr 2021 04:00:00 -0000

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The Future of the Food Industry with Jim Mellon

Thu, 22 Apr 2021 04:00:00 -0000

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Consistent Investing, ESG (Environmental, Social & Governance), and ETFs

Thu, 15 Apr 2021 04:00:00 -0000

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Celver, Simple, Fun - Money Lessons for Kids with Ashley Clark

Thu, 08 Apr 2021 04:00:00 -0000

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IFB192: Navigating an Impending Crash, Safely Investing Your Emergency Fund

Thu, 01 Apr 2021 04:00:00 -0000

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IFB191: 8 Common Beginner Mistakes with Braden Denis

Thu, 25 Mar 2021 04:00:00 -0000

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IFB190: High Yield ETF, Selling Disney, Finance As An Engineer

Thu, 18 Mar 2021 04:00:00 -0000

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IFB189: Broker Apps, Ex-Div Dates, 10-Year Yield

Thu, 11 Mar 2021 05:00:00 -0000

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IFB188: The Value Mindset and Why Stocks Are Like Trees

Thu, 04 Mar 2021 05:00:00 -0000

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IFB187: Red Flags, CFDs, What's the Appeal of SPACs?

Wed, 24 Feb 2021 05:00:00 -0000

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Explaining the Cult of Warren Buffett

Thu, 18 Feb 2021 05:00:00 -0000

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IFB186: Portfolio Makeover, Lithium Battery Stocks, Active Bond Trading

Thu, 11 Feb 2021 05:00:00 -0000

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The Lessons and Blessings from the Gamestop Short Squeeze

Thu, 04 Feb 2021 05:00:00 -0000

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IFB185: When to Stop DRIPPING, REIT, and DCA Questions

Thu, 28 Jan 2021 05:00:00 -0000

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IFB184: Boring Dividend Advice From A Boomer

Thu, 21 Jan 2021 05:00:00 -0000

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Introduction to Business Movers

Thu, 14 Jan 2021 05:00:00 -0000

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IFB183: Investing in Your 40s, Bond Allocations, Early Roth Withdrawals

Wed, 13 Jan 2021 05:00:00 -0000

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IFB182: OTC Stock Basics; The Best Free Tool for Market Data

Thu, 07 Jan 2021 05:00:00 -0000

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From the Vault: Why It's Hard to Invest In a Bear Market

Wed, 30 Dec 2020 05:00:00 -0000

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Penny Stock Daytrading with Timothy Sykes

Wed, 23 Dec 2020 05:00:00 -0000

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IFB181: Comparing 3 Growth ETFs from Schwab, iShares, and Vanguard

Thu, 17 Dec 2020 05:00:00 -0000

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IFB180: The Absolutely Simplest Way to Invest for Retirement

Thu, 10 Dec 2020 05:00:00 -0000

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Stock Picking for Dummies

Thu, 03 Dec 2020 05:00:00 -0000

Welcome to the Investing for Beginners podcast, today's show is from the vault as Andrew and I are taking a holiday. Speaking of holidays, we hope you had a safe and happy Thanksgiving weekend for those listeners in the U.S.

Today's episode will cover some topics previously discussed in episode 158, Stock Picking for Dummies. Hope you enjoy the rewind and don't worry we will be back next week with a new show!

Links from the show: Seven Steps to Understanding the Stock Market

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IFB179: Interview with Jeff Desjardins of Visual Capitalist

Thu, 26 Nov 2020 05:00:00 -0000

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IFB178: How to Trade Vaccine Volatility

Thu, 19 Nov 2020 05:00:00 -0000

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IFB177: Unemployment Benefits and Roth IRA, Coca-Cola and Dividend Aristocrats

Thu, 12 Nov 2020 05:00:00 -0000

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IFB176: 3 Things to Learn From Shark Tank About Investing

Thu, 05 Nov 2020 05:00:00 -0000

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IFB175: Too Much Money For A Roth, Selling Tesla or Netflix

Thu, 29 Oct 2020 04:00:00 -0000

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IFB174: Bottleneck Businesses and Secular Growth Trends with Braden Dennis

Thu, 22 Oct 2020 04:00:00 -0000

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IFB173: Why to Invest in Real Estate Investment Trusts (REITs)

Thu, 15 Oct 2020 04:00:00 -0000

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IFB172: How to Read An Annual Report - The Secret to Buffett's Success

Thu, 08 Oct 2020 04:00:00 -0000

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IFB171: Why Price to Book Died; VTI 7.0 Update

Thu, 01 Oct 2020 04:00:00 -0000

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IFB170: Suspended Dividends, Industry Ideas, eLetter Holdings

Thu, 24 Sep 2020 04:00:00 -0000

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IFB169: Stock Splits, Ex Dividend Drops, Intrinsic Value

Thu, 17 Sep 2020 04:00:00 -0000

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IFB168 - An Asset Allocation Guide for Lifetime Wealth

Thu, 10 Sep 2020 04:00:00 -0000

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IFB167: Is It Time to Buy Growth Stocks?

Thu, 03 Sep 2020 04:00:00 -0000

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IFB166: 3 Questions About Selling

Thu, 27 Aug 2020 04:00:00 -0000

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IFB165: VIX, Roths, ETF Allocations

Thu, 20 Aug 2020 04:00:00 -0000

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IFB164: Politics in 2020, Uber, and Tesla with Vitaliy Katsenelson

Thu, 13 Aug 2020 04:00:00 -0000

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IFB163: Dividends, Diversification, and Reflections on the Approach

Thu, 06 Aug 2020 04:00:00 -0000

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IFB162: Circle of Competence Overlaps, In Defense of Intel

Thu, 30 Jul 2020 04:00:00 -0000

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IFB161: Circle of Competence, Semiconductor Industry, China Politics

Thu, 23 Jul 2020 04:00:00 -0000

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IFB160: Buying U.S. and Capital Light Compounding Stocks with Braden Dennis

Thu, 16 Jul 2020 04:00:00 -0000

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IFB159: Trailing Stops for Value Investors and Aggresive Investing in Your 40s

Thu, 09 Jul 2020 04:00:00 -0000

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IFB158: Stock Picking for Dummies

Thu, 02 Jul 2020 04:00:00 -0000

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IFB157: Price Ratios and Old Investing Books - Still Relevant

Thu, 25 Jun 2020 04:00:00 -0000

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IFB156: Q&A - Dripping Until Retirement, Lump Sum Investment After the Pandemic

Thu, 18 Jun 2020 04:00:00 -0000

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IFB155: Q&A - Insider Trading and Investing like Peter Lynch

Thu, 11 Jun 2020 04:00:00 -0000

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IFB154: Garbage In, Garbage Out

Thu, 04 Jun 2020 04:30:00 -0000

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IFB153: Cruiselines vs Autos vs Tesla

Thu, 28 May 2020 04:30:00 -0000

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IFB152: Hot Take - Check Your Portfolio Daily

Thu, 21 May 2020 04:30:00 -0000

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IFB151: Economy Basics Pt3 - Government Debt, Fiscal, and Trade Deficits

Thu, 14 May 2020 04:30:00 -0000

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IFB150: Economy Basics Pt2 - Inflation, Deflation and Currency

Thu, 07 May 2020 04:30:00 -0000

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IFB149: Economy Basics Pt1 - What Will Covid Affect

Thu, 30 Apr 2020 04:30:00 -0000

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IFB148: Brokerages To Avoid in 2020

Thu, 23 Apr 2020 04:30:00 -0000

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IFB147: How Does the Fed Affect Joe Schmoe

Thu, 16 Apr 2020 04:30:00 -0000

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IFB146: Will A Company Go Bankrupt With Months of No Revenue

Thu, 09 Apr 2020 04:30:00 -0000

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IFB145: Finding Great Balance Sheets with Braden Dennis

Thu, 02 Apr 2020 04:30:00 -0000

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IFB144: Personal Finance with Andy Shuler

Thu, 26 Mar 2020 04:30:00 -0000

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IFB143: Why Investing in a Bear Market is Really Hard

Thu, 19 Mar 2020 04:30:00 -0000

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IFB142: Listener Questions: How to Start a Dividend Portfolio and Asset Allocation

Thu, 12 Mar 2020 04:30:00 -0000

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IFB141: What To Do When The Sky Is Falling

Thu, 05 Mar 2020 05:30:00 -0000

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IFB139: Beginners Guide to Investing in Bonds

Thu, 20 Feb 2020 05:30:00 -0000

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IFB138: How The News Can Affect Your Investments

Thu, 13 Feb 2020 05:30:00 -0000

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IFB137: How to Control Your Emotions When Selling a Stock

Thu, 06 Feb 2020 05:30:00 -0000

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IFB136: Investors Don't Know Anything (About the Future)

Thu, 30 Jan 2020 05:30:00 -0000

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IFB135:4 Tips for Beginning Investors from Braden Dennis

Thu, 23 Jan 2020 05:30:00 -0000

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IFB134: Skin In The Game Book Review

Thu, 09 Jan 2020 05:30:00 -0000

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IFB133: Intro to Investing Oil and Commodities

Thu, 02 Jan 2020 05:30:00 -0000

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IFB132: Warren Buffett on Investing In Business Vs Pricing

Thu, 26 Dec 2019 05:30:00 -0000

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IFB131: What to Consider for Your 2020 Investing and Personal Finance

Thu, 19 Dec 2019 05:30:00 -0000

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IFB130: A Biotech Value Trap?

Thu, 12 Dec 2019 05:30:00 -0000

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IFB129: A Sip of the Starbucks Balance Sheet

Thu, 28 Nov 2019 05:30:00 -0000

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IFB128: HSA and How it Can Reduce Your Taxes

Thu, 21 Nov 2019 05:30:00 -0000

Welcome to episode 128 of the Investing for Beginners podcast. In today's show, Andrew and I discuss the HSA or Health Savings Account and how it can be an asset to you in regards to the tax savings it can afford you.

If you are enjoying this show, please subscribe here to learn more.

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IFB127: High ETF Fees, Diversifying into the 11 Sectors, Lazy or Uninterested?

Thu, 14 Nov 2019 17:00:00 -0000

#127: Today's show continues the discussion about zero commisions with some ideas about ETFs and the fees they charge and how you could possibly create your own without the fees. Andrew and I also discuss how to diversify among the sectors, or if you even should try, plus much more.

Podcast show notes here.

If you enjoyed today's show and would like to hear more, please subscribe.

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IFB126: Learning from 3 Master Investors with Scott A. Chapman, CFA

Thu, 07 Nov 2019 05:30:00 -0000

Welcome to episode 126 of the Investing for Beginners podcast. In today's show, we are pleased to introduce Scott Chapman, CFA, the author of Empower your Investing.

Scott has written a very easy to understand guide to investing using the guidance and principles he learned from the Big Three of John Templeton, Peter Lynch, and Warren Buffett.

To see a transcription of today's show or learn more please go here.

To subscribe iTunes

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IFB125: Using the Bid-Ask Spread to Buy Zero Commission Stocks (over ETFs)

Thu, 31 Oct 2019 04:30:00 -0000

Welcome to episode 125 of the Investing for Beginners podcast. In today's show, Andrew and I will be discussing more ramifications of the zero commission trades that brokerages have all gone too.

Additionally, Andrew will be discussing additional buying and selling options available with your brokerage account.

For a transcript of today's show or more info please click here.

To subscribe for more Investing for Beginners.

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IFB124: No Fee Commissions

Thu, 24 Oct 2019 04:30:00 -0000

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IFB123: Investing vs Debt

Thu, 17 Oct 2019 04:30:00 -0000

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IFB122: Analyzing the Growth of a Stock Pt. 2

Thu, 10 Oct 2019 04:30:00 -0000

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IFB121: Analyzing the Growth of a Stock Pt. 1

Thu, 03 Oct 2019 04:30:00 -0000

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IFB120: 4 New Companies Added to the Dividend Aristocrat List for 2019

Thu, 26 Sep 2019 04:30:00 -0000

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IFB119: Before You Buy an Insurance Stock, Make Sure You Listen to This

Thu, 19 Sep 2019 04:30:00 -0000

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IFB118: Questions about Investing an Inheritance as a 21 year old

Thu, 12 Sep 2019 04:30:00 -0000

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IFB117: Sharing Our Top Stock Analysis Tools as We Analyze a Railroad Stock

Thu, 05 Sep 2019 04:30:00 -0000

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IFB116: Facing Stock Buyer's Remorse and the China Tariffs

Thu, 29 Aug 2019 04:30:00 -0000

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IFB115: How to Make Money with Dividends when It's Just Pennies

Thu, 15 Aug 2019 04:30:00 -0000

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IFB114: Buying a Home vs Investing in the Stock Market

Thu, 08 Aug 2019 04:30:00 -0000

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IFB113: Charlie Munger's "Invert, always invert"

Thu, 01 Aug 2019 04:30:00 -0000

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IFB112: Small Dogs of the Dow, not DRIPing. and Intrinsic Value Books

Thu, 25 Jul 2019 04:30:00 -0000

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IFB111: Questions about Short Term Investing when Close to Retirement

Thu, 18 Jul 2019 04:30:00 -0000

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IFB110: Value ETF Primed for the Value Investing Recovery with Tobias Carlisle

Thu, 11 Jul 2019 04:30:00 -0000

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IFB109: Practical Behavorial Finance Tips with David Keller

Thu, 04 Jul 2019 04:30:00 -0000

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IFB108: Minimalism

Thu, 27 Jun 2019 04:30:00 -0000

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IFB107: The China Trade News is Killing This Stock... Should I Buy it?

Thu, 20 Jun 2019 04:30:00 -0000

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IFB106: The Sears Bankruptcy Fallout - Is Tesla Next?

Thu, 13 Jun 2019 04:30:00 -0000

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IFB105: Q&A: Is Acorns Worth it? Should I Buy Small Cap Stocks?

Thu, 06 Jun 2019 04:30:00 -0000

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IFB104: Intrinsic Value Warren Buffett Style

Thu, 30 May 2019 04:30:00 -0000

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IFB103: Our Thoughts on the Uber IPO

Thu, 23 May 2019 04:30:00 -0000

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IFB102: Risks, Individual Bonds, and Becoming a Financial Advisor

Thu, 09 May 2019 04:30:00 -0000

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IFB101: Are value stocks the right investment for a 61 year old?

Thu, 02 May 2019 04:30:00 -0000

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IFB100: What happens if you own stock in a company that gets bought out?

Thu, 25 Apr 2019 04:30:00 -0000

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IFB99: How Acquisitions, Goodwill, and Divestures All Work Together

Thu, 18 Apr 2019 04:30:00 -0000

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IFB98: Why You Shouldn't Be A Lone Wolf Investor

Thu, 11 Apr 2019 05:00:00 -0000

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IFB97: A List of Really Unwise Financial Decisions

Thu, 04 Apr 2019 04:30:00 -0000

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IFB96: Limit Order vs. Market Order and other Listener Q&A

Fri, 29 Mar 2019 04:30:00 -0000

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IFB95: Real Estate, Annuities, and Dividend ETFs with Kenny Robinson

Thu, 21 Mar 2019 06:00:00 -0000

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IFB93: Investing in a Low Interest Rate Environment with Vitaliy Katsenelson

Thu, 07 Mar 2019 08:00:00 -0000

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IFB93: Is Buying at a 52 Week High a Bad Idea for Value Investors?

Thu, 28 Feb 2019 13:00:31 -0000

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IFB92: A Refresher Episode on Some Investing Basics

Tue, 26 Feb 2019 00:51:18 -0000

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IFB91: Buying Bank Stocks and Marijuana ETFs

Wed, 13 Feb 2019 05:06:34 -0000

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IFB90: Using the SEC Form 4 to Find Insider Buying with Maj Soueidan

Wed, 06 Feb 2019 16:29:33 -0000

Studying the SEC form 4 can help you learn a great deal about the insiders of a company and if they are buying or selling.

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IFB89:Reading the Annual Report (10-k) to Understand a Stock

Wed, 23 Jan 2019 15:58:15 -0000

10-ks or the annual report.

Reading the 10-ks or the annual report of a company is necessary to understanding the business. It provides a great way to learn what the company does as well as some of the risks involved in investing in this company.

In addition to all the financial information, you can also glean many "soft" information from these reports such as other competitors, types of commodities they may be involved, management's thoughts on direction, and so on.

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IFB88:How to Buy Canadian Stocks Guide and Rules with Braden Dennis

Tue, 22 Jan 2019 00:39:57 -0000

In this episode learn how to buy Canadian stocks with Braden Dennis, our Canadian expert.

Welcome to episode 88 of the Investing for Beginners podcast. In today's show, we are going to discuss Canadian stocks with Braden Dennis. Braden is our resident Canadian expert and today he is going to give us some guidelines and rules to help us narrow down choices in the Canadian market.

Braden has some great insights into the Canadian markets, as well as some of the ideal metrics and numbers to look for.

There are great investment opportunities in Canada, which is an underserved market. Unfortunately, there is no real good guide, until now.

Learn more about Braden and all his great insights here.

For show notes from today's episode, look here.

If you enjoyed today's show and you love the format of the show and helping other investors, can you help me to convince others to listen too? All you have to do is leave a quick review and rating on iTunes (and subscribe if you haven't already). That would mean the world to us, so thank you so much!

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IFB87:Buying Stocks in a Downtrend, Selecting From a List of Stocks

Sat, 12 Jan 2019 17:10:41 -0000

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IFB86:Graham and Doddsville Superinvestors + An Announcement

Tue, 08 Jan 2019 00:52:55 -0000

One of the best speeches on investing is the Superinvestors of Graham and Doddsville by Warren Buffett. It contains so much wisdom and great advice, as well as numerous examples. Using the examples from Graham and Doddsville will make you a better investor.

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IFB85:Finding Good Dividend Stocks By Using Better Ratios

Sun, 30 Dec 2018 20:34:01 -0000

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IFB84:Dupont Analysis Lesson from the CFA Level I Test

Thu, 13 Dec 2018 01:49:20 -0000

Welcome to Investing for Beginners podcast, this is episode 84. In today's show, we will discuss a breakdown of the Dupont Analysis.

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IFB83:Listener Q&A: Short Term Investing, Bond ETFs and Interest Rates

Mon, 10 Dec 2018 21:32:22 -0000

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IFB82:Case Study ($GE) Into Why Investing Principles Are Critical

Mon, 03 Dec 2018 22:48:13 -0000

Welcome to Investing for Beginners podcast. In today's show, we discuss the recent happenings at GE and how they illustrate having sound investing principles is so critical.

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IFB81:4 Short Charlie Munger Quotes on How He Buys Stocks

Mon, 26 Nov 2018 22:46:09 -0000

Welcome to episode 81 of the Investing for Beginners podcast. In today's show, we discuss how Charlie Munger screens for stock ideas.

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IFB80:Where Exactly Do Shareholder Returns Come From?

Tue, 06 Nov 2018 15:58:29 -0000

Welcome to episode 80 of the Investing for Beginners podcast. In today's show, we discuss a breakdown of investment returns and where each component comes from.

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IFB78:The Value in a Stock with a Competitive Moat

Tue, 06 Nov 2018 02:20:36 -0000

Welcome to episode 78 of the Investing for Beginners podcast. In today's show, we discuss all things competitive moats.

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IFB79:Why a Scary Market is the Absolute Best Time to Dollar Cost Average

Tue, 06 Nov 2018 01:39:24 -0000

Welcome to episode 79 of the Investing for Beginners podcast. In today's show, we discuss why dollar cost averaging is perfect for up-and-down markets, like what is going on today.

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IFB77:A Stock Selling Theory: 3 Strikes You're Out

Tue, 23 Oct 2018 01:46:56 -0000

Welcome to episode 77 of the Investing for Beginners podcast. In today's show, we discuss some of our sell rules and the theories behind them.

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IFB76:Market Outlook and Predictions

Mon, 15 Oct 2018 21:06:10 -0000

Welcome to episode 76 of the Investing for Beginners podcast. In today's show, Andrew and I discuss current market outlooks and give you some fun predictions.

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IFB75:Listener Q&A on Weed Stocks, What to Do When Your Stock Crashes

Mon, 08 Oct 2018 18:32:49 -0000

Welcome to episode 75 of the Investing for Beginners podcast. In today's show, we discuss some of the more recent listener questions.

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IFB74: Potential Investor Problems When Examining the History of the Market

Sun, 23 Sep 2018 21:04:29 -0000

Welcome to Investing for Beginners podcast. In today's show, we discuss how studying the history of the stock market can help you avoid making mistakes that have hampered others in the past.

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IFB73:Wall Street Studies Pitfalls

Tue, 18 Sep 2018 03:25:23 -0000

Welcome to episode 73 of the Investing for Beginners podcast. In today's show, we will discuss some of the pitfalls of investing in data from Wall Street studies.

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IFB72:Shareholder Yield Metric: Cheap Stocks with Good Capital Allocation

Thu, 13 Sep 2018 00:02:48 -0000

Welcome to episode 72 of the Investing for Beginners podcast. In today's show, we discuss Shareholder Yield, a concept coined by Meb Faber.

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IFB71:Combining Entrepreneurship with Investing Through Website Flipping

Thu, 06 Sep 2018 03:15:37 -0000

Welcome to episode 71 of the Investing for Beginners podcast. In today's show, we will discuss website flipping as a potential investment, as well as some different other business opportunities

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IFB70:The 3 Major Types of Investment Risk and How to Combat Them

Tue, 28 Aug 2018 02:30:54 -0000

Welcome to episode 70 of the Investing for Beginners podcast. In today's show, we discuss the three major types of investment risk and how to combat them.

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IFB69:Listener Q&A:Benefits of ESPP and Ally Brokerage

Tue, 21 Aug 2018 15:42:05 -0000

Welcome to episode 69 of the Investing for Beginners podcast. In today's show, we answer some questions from our listeners. We talk about a broad range of topics, including ESPP and Ally Brokerage.

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IFB68:A Simple Balance Sheet Primer for Beginners

Fri, 17 Aug 2018 01:41:17 -0000

Welcome to episode 68 of the Investing for Beginners podcast. In today's show, we are going to give a brief overview of the balance sheet and a few important ratios that can be derived from the balance sheet.

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IFB67:Are These Record Share Buybacks Good or Bad?

Thu, 02 Aug 2018 03:56:46 -0000

Welcome to episode 67 of the Investing for Beginners podcast. In today's show, we discuss share buybacks and whether or not they are good or bad for investors or the economy.

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IFB66:Should You Research Owners Earnings or Options?

Wed, 25 Jul 2018 04:20:53 -0000

Welcome to episode 66 of the Investing for Beginners podcast. On today's show, we will discuss owners earnings, Warren Buffett's favorite measure of earnings for a company. In addition, we will have a brief discussion of options.

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IFB65:LIstener Q&A: Stop Loss, Fractional Shares & Tesla

Mon, 16 Jul 2018 14:14:54 -0000

Welcome to episode 65 of the Investing for Beginners podcast. In today's show, we answer listener's questions on a broad range of topics including stop losses, buying fractional shares, fractional dividends, and a discussion on investing in Tesla.

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IFB64:Personal Finance 105: Maximizing Passive Income

Fri, 06 Jul 2018 04:05:54 -0000

Welcome to episode 64 of the Investing for Beginners website. In today's show, we discuss how to find a side hustle and make it go. Being able to create a little side income can help you tremendously.

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IFB63:Personal Finance 104: Designing Your Investment Lifestyle

Tue, 26 Jun 2018 02:43:59 -0000

Welcome to episode 63 of the Investing for Beginners podcast. In today's show, we continue our series on Personal Finance. This episode we will discuss how to develop your own investment lifestyle.

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IFB62:Personal Finance 103: Managing Personal Cash Flow

Mon, 18 Jun 2018 16:46:54 -0000

Welcome to episode 62 of the Investing for Beginners podcast. In today's show, we discuss personal cash flow.

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IFB61:Personal Finance 102: Building Assets in the Adult World

Tue, 12 Jun 2018 09:00:00 -0000

Welcome to episode 61 of the Investing for Beginners podcast. In today's show, we discuss how to start building assets and what those assets could consist of.

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IFB60:Personal Finance 101: Money Lessons to Our 5 Year Olds

Sat, 02 Jun 2018 09:00:00 -0000

Welcome to Investing for Beginners podcast. In today's episode, we discuss money lessons we would pass on to our 5-year olds.

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IFB59:Listener Q&A: DCA, Canadian DRIPs, Recent Negative Earnings

Thu, 17 May 2018 17:09:19 -0000

Welcome to episode 59 of the Investing for Beginners podcast. In today's show, we take some listeners questions and tackle dollar cost averaging, DRIPs, and others.

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IFB58:Efficiency and Financial Ratios Formulas: ROA, ROE, & ROC

Wed, 02 May 2018 05:52:54 -0000

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IFB57:Comprehensive List of the Best Investing Books for Beginners

Wed, 25 Apr 2018 09:00:00 -0000

Welcome to episode 57 of the Investing for Beginners podcast. In today's show, we discuss the investing books that have helped mold, shape and educate us.

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IFB56:New 2018 GAAP for Marketable Securities Will Inflate Earnings

Thu, 19 Apr 2018 09:00:00 -0000

Welcome to episode 56 of the Investing for Beginners podcast. In today's show, we discuss the new GAAP earnings rules that Warren Buffett brought to life in his most recent shareholder letter.

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IFB55:The Worst Money Advice that Beginners Always Hear

Tue, 10 Apr 2018 10:00:00 -0000

Welcome to episode 55 of the Investing for Beginners podcast. In today's show, we discuss some of the worst money advice you can get as a beginning investor.

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IFB54:Company and Industry Maturation in the Stock Market

Thu, 29 Mar 2018 09:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we discuss the maturation of industries and companies. And how that can affect your investment decisions.

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IFB53:Dave and Andrew Debate Negative Net Income (Earnings)

Thu, 22 Mar 2018 09:00:00 -0000

Welcome to episode 53 of the Investing for Beginners podcast. In today's show, we discuss negative earnings and how you should handle them.

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IFB52:The Art of Finding Undervalued Stocks

Tue, 13 Mar 2018 10:00:00 -0000

Welcome to the Investing for Beginners podcast. In today's show, we will discuss the art of intrinsic value and how to find value stocks.

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IFB50:Discussing the Popular FANG Stocks Interview with Braden Dennis

Tue, 27 Feb 2018 11:00:00 -0000

Welcome to episode 50 of the Investing for Beginners podcast. In today's show, we will discuss Canadian stocks and their market with Braden Dennis of Stratosphere Investing.

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IFB49:The Massive Potential of Undervalued Dividend Aristocrats

Mon, 19 Feb 2018 11:00:00 -0000

Welcome to episode 49 of the Investing for Beginners podcast. In today's show, we interview Nick from Sure Dividend. Nick discusses dividend aristocrats, among other interesting topics with Andrew.

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IFB48: When a Falling Stock Indicates a Failing Business

Mon, 12 Feb 2018 12:00:00 -0000

Welcome to episode 48 of the Investing for Beginners podcast. In today's show, we will discuss what to look for when a company's stock price is falling and how it could indicate a failing business.

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IFB47: Back to the Basics Pt 5: Dividend Stocks / Value Investing

Mon, 05 Feb 2018 12:00:00 -0000

Welcome to episode 47 of the Investing for Beginners podcast. In today's show, we will continue our series on Back to the Basics. Our discussion will include dividends, buy low and sell high, among others.

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IFB46: Back to the Basics Pt 4: Investing 101 and Compound Interest

Mon, 22 Jan 2018 12:00:00 -0000

Welcome to Investing for Beginners podcast, this is episode 46. In today's episode we are continuing our series on Back to the Basics.

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IFB45: Back to the Basics Pt 3: Stocks vs Other Investments

Mon, 15 Jan 2018 13:00:00 -0000

Welcome to episode 45 of the Investing for Beginners podcast. In today's show, we will return to our continuing series of Back to the Basics. Today we will discuss some of the different asset classes out there.

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IFB44: Back to the Basics Pt 2: Share Dilution on Wall Street

Mon, 25 Dec 2017 12:00:00 -0000

Welcome to episode 44 of the Investing for Beginners podcast. In today's show, we discuss more back to basics of investing. In this episode, we focus on share buybacks and their impact.

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IFB43: Back to the Basics Pt 1: The Anatomy of Stocks and Shares

Mon, 18 Dec 2017 13:00:00 -0000

Welcome to episode 43 of the Investing for Beginners podcast. In today's show, we will be discussing the anatomy of stocks and shares, part 1.

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IFB42: Non U.S. Listeners: Is an International Stock Exchange Your Best Bet?

Mon, 11 Dec 2017 12:00:00 -0000

Welcome to episode 42 of the Investing for Beginners podcast. In today's show, we will do a Q&A with listener's questions. With the focus being on international investing.

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IFB41: What I've Learned from My Biggest Stock Losers Up to This Point

Fri, 01 Dec 2017 12:00:00 -0000

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IFB40: Top 7 Money Tips from The Richest Man in Babylon Audio Book

Fri, 24 Nov 2017 13:35:28 -0000

Welcome to episode 40 of the Investing for Beginners podcast. In today's show, we discuss the book "The Richest Man in Babylon" by George S. Clasen. This book is a must-read for anyone who is serious about becoming better at personal finance.

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IFB39: Simple Tax Shelter: Tax Saving Instruments for Your Investments

Fri, 17 Nov 2017 13:00:00 -0000

Welcome to episode 39 of the Investing for Beginners podcast. In today's show, we will discuss brokerage accounts, IRAs, and taxes among other items.

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IFB38: Financial Reporting and Press Releases Interview with Maj Soueidan

Fri, 10 Nov 2017 13:00:00 -0000

Welcome to episode 38 of the Investing for Beginners podcast. In today's show, we will discuss financial reports, press releases and information arbitrage with Maj Soudeidan.

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IFB37: 5 Practical Peter Lynch Quotes for the Aspiring Beginner

Fri, 03 Nov 2017 11:00:00 -0000

Welcome to episode 37 of the Investing for Beginners podcast. In today's show, we will discuss Peter Lynch and some of our favorite quotes.

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IFB36: Should You Buy Tesla Stock in this Bull Market?

Fri, 27 Oct 2017 11:00:00 -0000

Welcome to episode 36 of the Investing for Beginners podcast. In today's show, we will discuss whether investing in Tesla is a good investment or not.

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IFB35: A Thorough Breakdown of the Dividend Discount Model

Fri, 20 Oct 2017 11:00:00 -0000

Welcome to episode 35 of the Investing for Beginners podcast. In today's show, we will break down the dividend discount model for you.

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IFB34: The Truth about Analyst Reports Interview with Sasha Evdakov

Fri, 13 Oct 2017 11:00:00 -0000

Welcome to episode 34 of the Investing for Beginners podcast. In today's episode, we will discuss analyst reports with Sasha Evdakov of Tradersfly.com.

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IFB33: Before Investing in Real Estate... Check out REITs

Fri, 06 Oct 2017 11:00:00 -0000

Welcome to episode 33 of the Investing for Beginners podcast. In today's show, we will discuss REITs and whether or not they are a good investment for you.

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IFB32: An Example Buy and Sell Stock Checklist

Fri, 29 Sep 2017 11:00:00 -0000

Welcome to episode 32 of the Investing for Beginners podcast. In today's show, we discuss stock checklists and the importance of them.

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IFB31: Millionaire Jobs: Interview with the Engineer Who Did it in 10 Years

Fri, 22 Sep 2017 11:00:00 -0000

Welcome to episode 31 of the Investing for Beginners podcast. In today's show, we will be discussing how to become a millionaire in 10 short years. In this episode, we are interviewing Justin from rootofgood.com, who has found financial freedom at a very young age.

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IFB30: Quotes of Wisdom from Baupost Group's Seth Klarman

Fri, 15 Sep 2017 11:00:00 -0000

Welcome to episode 30 of the Investing for Beginners podcast. In today's show, we discuss some of the timeless wisdom of Seth Klarman. One of the finest value investors out there, he has loads of great quotes and advice to help make you a better investor.

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IFB29: Betrayal by Recency Bias and Other Psychological Factors

Fri, 08 Sep 2017 11:00:00 -0000

Welcome to episode 29 of the Investing for Beginners podcast. In today's show, we will discuss some of our thoughts on biases that can affect your investment decisions.

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IFB28: To Pay, or not to Pay for Investment Services

Fri, 25 Aug 2017 11:00:00 -0000

Welcome to episode 28 of the Investing for Beginners podcast. In today's show, we will discuss Andrew's eLetter service and a response to a note written by a listener in regards to that service.

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IFB27: 6 Unconventional Investing Principles for Beginners

Fri, 18 Aug 2017 11:00:00 -0000

Welcome to episode 27 of the Investing for Beginners podcast. In today's show, we are going to discuss some of Andrew's 6 unconventional investing principles. These are some great ideas that are not talked about enough and can help you in your investing.

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IFB26: Combining Earnings Yield and the Return on Capital Formula

Fri, 11 Aug 2017 11:00:00 -0000

Welcome to episode 26 of the Investing for Beginners podcast. In today's show, we discuss the Magic Formula and how it is put together. We break down the numbers and formulas to help you understand this great tool.

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IFB25: Tulip Mania, Intrinsic Value, and the Student Loan Bubble

Sat, 05 Aug 2017 10:00:00 -0000

Welcome to session 25 of the Investing for Beginners podcast. In today's session, we discuss to the formation of bubbles and how they operate. Using the lessons learned from Tulip Mania we talk about the bubble that is forming around student loan debt.

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IFB24: Examples of Everyday Investors who became Millionaire Investors

Fri, 28 Jul 2017 05:34:34 -0000

Welcome to session 24 of the Investing for Beginners podcast. In today's show, we discuss some real life examples of people investing in the stock market and making it big.

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IFB23: Warren Buffett Investment Advice to the Average Investor

Fri, 21 Jul 2017 16:08:05 -0000

Welcome to session 23 of the Investing for Beginners podcast. In today's show, we discuss some of our favorite Warren Buffett quotes and the impact they have had on us.

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IFB22: Finding Investment Ideas with a Reliable Stock Screener

Wed, 12 Jul 2017 12:00:00 -0000

Welcome to session 22 of the Investing for Beginners podcast. In today's session, we discuss stock screeners and how to use them to find great investment ideas.

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IFB21: The Benjamin Graham for Finding a Margin of Safety

Mon, 03 Jul 2017 03:37:24 -0000

Welcome to session 21 of the Investors for Beginners podcast. In today's session, we continue our discussion of the seminal book, the Intelligent Investor.

In today's show, we talk about Chapter 20, which includes topics such as calculating a margin of safety. Which is arguably one of the most important subjects ever written.

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IFB20: The Intelligent Investor Summary of Chapter 8 and Mr. Market

Thu, 15 Jun 2017 16:50:54 -0000

Welcome to the Investing for Beginners podcast. In today's session we discuss the Intelligent Investor and we are going to focus on one of Warren Buffett's favorite chapters.

This chapter discusses Mr. Market among other great topics, such as diversification, Dow Theory, and charactaristics of a bull market.

Join us to learn more about this amazing book and we will continue next week with Chapter 20.

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IFB19: Portfolio Management as it Relates to Dollar Cost Averaging

Thu, 08 Jun 2017 11:00:00 -0000

Welcome to session 19 of the Investing for Beginners podcast. In today's session, we discuss how to manage your portfolio as it relates to dollar cost averaging.

This very important strategy can help smooth out your returns and allow you to add smaller amounts to the market and increase your returns over time.

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IFB18: Your Path to Financial Freedom Explained

Wed, 31 May 2017 11:00:00 -0000

Welcome to session 18 of the Investing for Beginners podcast. In today's show, we discuss the ideas and methods behind starting down the path of financial freedom. Each person's path is going to be a little different, but the basic ideas and philosophies are all going to be the same. Save money, invest it, watch it grow and enjoy your life.

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IFB17: Cash Flow Statement: Operating Activities, Investing, and Financing

Wed, 24 May 2017 11:00:00 -0000

Welcome to session 17 of the Investing for Beginners podcast. Today we talk all things cash flow statement. We give you a run down on how to read a cash flow statement and what to look for, and what to look out for. This is an interesting discussion as we dive deep into Berkshire Hathaway's cash flow statement. This statement provides us with the free cash flow that the company can use to reinvest or pay us a dividend. Join us to learn more about cash flow statements and how to unravel some of their mysteries

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IFB16: The Stock Market Has Seen the Snapchat Stock Story Before

Wed, 17 May 2017 11:00:00 -0000

Thank you for joining us for session 16 today. In today's session, Andrew and I are going to discuss IPOs and the dangers of investing in unknown company's like Snapchat. With the recent earnings report, which was the first since Snapchat had gone public, the stock tanked 20% in one day and has not done well since its IPO. Andrew and I discuss why and how you can avoid these value traps in your investing.

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IFB15: What Other Investing Strategies Are Out There?

Wed, 10 May 2017 11:00:00 -0000

Welcome to session 15 of the Investing for Beginners podcast. In today's session we chat with Allan, who is a new investor, just started two weeks ago. He has some great questions for us today and the main discussion centers around the different styles of investing out there. Of course, Andrew and I have fun taking turns talking about some of the other strategies, in addition to value investing, which is our main style. Join us as we discuss the different styles as well as many other topics, such as dividend investing, shorting stocks and more.

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IFB14: Why Investing Metrics Are More of a Guideline than a Blueprint

Wed, 03 May 2017 11:00:00 -0000

Welcome to session 14 of the Investing for Beginners podcast. In today's show, we discuss why investing metrics are a guideline as opposed to a blueprint. We go into depth on why you use these metrics to guide you, not make your decisions for you. We also discuss some other great topics, such as dividends, stock screeners, and much more.

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IFB13: The Unreliability of Forward P/E and 10% Dividend Stocks

Wed, 26 Apr 2017 11:00:00 -0000

In session 13 we have a Q&A with Steven who is a beginning investor with some terrific questions about dividends and the forward P/E.

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IFB12: The Validity of Scuttlebutt Investing and Qualitative Analysis

Wed, 19 Apr 2017 11:00:00 -0000

Quantitative investing versus qualitative is an ongoing battle but utilizing scuttlebutt investing and numbers is a great way to find awesome companies. In today's session, Andrew and I discuss our thoughts on quantitative versus qualitative. Andrew is very much a numbers guy and I am more a mix of the two. We both agree that using scuttlebutt has its merits but should be used in conjunction with quant investing.

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