This Time Is Different

The AI Bill is Coming Due

Tue, 28 Apr 2026 08:00:00 -0000

The companies building the AI future are the same ones laying off thousands of employees. This means that the AI story is changing. LLMs aren’t taking jobs quite yet, but AI companies that took on mountains of debt are cutting staff while interest rates rise.

Malcolm Ethridge and Ricky Mulvey discuss:

Why Malcolm sold his entire ASML position and trimmed Nvidia.

The AI debt trap: how Microsoft, Meta, and Oracle are cutting jobs to pay for the AI buildout.

Advice if you ever get a “voluntary buyout” from your boss

The used EV flood. 600,000 leased EVs return to dealerships next year; more than the number of all used EVs sold last year.

How automakers’ accounting mistakes could be good news for car buyers

The Michael Jackson biopic, and the disconnect between critics, movie goers, and the economy.

Why Malcolm is buying American Express and betting on the K-shaped economy

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Hosts: Malcolm Ethridge, Ricky Mulvey

Engineer: Tim Sparks

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Why Are Stocks at All-Time Highs?

Tue, 21 Apr 2026 15:30:00 -0000

Is the stock market ignoring the war in Iran? And why did Allbirds shoot up 800% in one single day?

Jason Moser joins Ricky Mulvey to talk about:

How solid earnings results are powering stock prices.

Why Allbird’s pivot to AI is one of the most insane business stories ever.

Ricky’s reporting on suspicious trades in the futures market.

Stocks and ETFs that JMo has been buying.

Host: Ricky Mulvey

Guest: Jason Moser

Engineer: Tim Sparks

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Are Space Stocks Overheated?

Tue, 14 Apr 2026 15:04:00 -0000

SpaceX could be the biggest IPO in history. Is this the beginning of the space economy, or peak optimism?

Ricky and Malcolm sit down with Yuri Khodjamirian, CIO of Tema ETFs, which runs the NASA ETF, an actively managed space fund.

They discuss:

Why falling launch costs are the key to the space economy.

How a publicly traded ETF can own non-public shares of SpaceX.

If AST SpaceMobile is a real opportunity or too far along in the hype cycle.

The hidden SpaceX suppliers that investors may want to know.

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Hosts: Malcolm Ethridge, Ricky Mulvey

Guest: Yuri Khodjamirian

Engineer: Tim Sparks

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Is OpenAI the next WeWork?

Tue, 07 Apr 2026 08:00:00 -0000

OpenAI just wrapped up a $122 billion funding round, but some investors are having trouble selling OpenAI stock in private markets.

Malcolm Ethridge and Ricky Mulvey discuss:

- Investing during the uncertainty of the Iran War, and one sector where investors may find some safety.

- Oracle’s 30,000 employee layoff.

- How more student loans are in default than subprime mortgages during the 2008 financial crisis.

- A listener selling his Pokemon card collection for an engagement ring.

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Hosts: Malcolm Ethridge, Ricky Mulvey

Engineer: Tim Sparks

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Take Afroman Seriously, Not Elon Musk

Tue, 31 Mar 2026 08:00:00 -0000

Five minutes before Trump announced a halt to Iran airstrikes, a trader reportedly bought $1.5 billion in S&P 500 futures and sold $200 million in oil futures. The orders were four to six times larger than anything else in the market at that moment. Huh. Isn't that interesting?

Also: Afroman won his defamation trial against Ohio police officers. Ricky and Malcolm discuss the economic lessons from the trial.

Malcolm and Ricky also talk about:

- Crypto-backed mortgages. What could go wrong?

- Why Pokemon card collectors don't trust the stock market

- Malcolm's latest stock purchase, Okta.

- The scrum that left airport security workers without paychecks.

- Why More Americans are starting businesses — and the pickleball bubble

Hosts: Malcolm Ethridge, Ricky Mulvey

Engineer: Tim Sparks

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Is America FINALLY Pushing Back on Online Gambling?

Tue, 24 Mar 2026 08:00:00 -0000

Seven states now allow full online casinos on your phone, such as slots and blackjack. But, two states, Virginia and Massachusetts, just shelved iGaming bills. Is the tide turning on mobile gambling?

Ricky and Malcolm also dig into why gold is falling even as the Iran war drags on, and break down the short report targeting SoFi.

In this episode, they discuss:

(4:40) Why retail investors are pulling back from gold — and what that signals
(15:11) Who economically benefits from a war in Iran?
(22:15) SoFi's short report and whether Anthony Noto's response was good enough.
(35:30) Why states that said yes to sports betting are saying no to the next step of online gambling.
(43:30) Why gambling addiction is more dangerous than other vices.

Hosts: Malcolm Ethridge, Ricky Mulvey

Engineer: Tim Sparks

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The Great Wealth Transfer w/ Hanna Horvath Pt. 2

Fri, 20 Mar 2026 08:00:00 -0000

The Great Wealth Transfer is such a big conversation that we're dedicating two shows to the topic.

Hanna Horvath, CFP®, writes Your Brain on Money. She joins Ricky and Malcolm for the second part of their conversation about the Great Wealth Transfer. In this episode, they discuss:

- The effect of inheritances on romantic relationships.

- Family wealth and the creation of bad art.

- How the tax system punishes work and rewards investment income.

- If there are any solutions for the "inheritocracy."

Check out Hanna’s Substack: https://yourbrainonmoney.substack.com/

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Hosts: Malcolm Ethridge, Ricky Mulvey

Guest: Hanna Horvath

Engineer: Tim Sparks

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The Iran War Impacts Your Investments, Live Nation's Settlement Changes Nothing

Tue, 17 Mar 2026 08:00:00 -0000

Ricky Mulvey and Malcolm Ethridge take a breath and explain why right now is a bad time to make big money decisions. They discuss:

- The economics of the Iran War, and Ricky breaks down some of his reporting on the cost of the conflict.

- Robinhood’s new investment vehicle for retail investors to buy private companies, and why Malcolm won’t pick up shares.

- Live Nation’s $300 million proposed settlement, and why it’s a “speeding ticket” for the company.

- Chamath Palhapatiya telling a retail investor to be grateful for capital losses.

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Hosts: Malcolm Ethridge, Ricky Mulvey

Engineer: Tim Sparks

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The Great Wealth Transfer w/ Hanna Horvath Pt. 1

Tue, 10 Mar 2026 08:00:00 -0000

Tens of trillions of dollars are expected to change hands between generations in the coming decades. What does this mean for our society, for the families passing down money, or for the kids who have to pull themselves up by the bootstraps?

Hanna Horvath, CFP®, writes Your Brain on Money. She joins Ricky and Malcolm for a two-part conversation about the Great Wealth Transfer. In this episode, they discuss:

- If the promise that hard work + education = success has been broken.

- Why people with “family money” hide their support.

- How their relationships with their family and money shaped their attitudes towards their own finances.

- Why the word “inheritance” has a branding problem.

- Malcolm’s issue with people jogging in Manhattan at 11:00 am on weekdays.

Check out Hanna’s Substack: https://yourbrainonmoney.substack.com/

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Hosts: Malcolm Ethridge, Ricky MulveyGuest: Hanna Horvath

Engineer: Tim Sparks

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Know What You Own, Our Rules for Investing

Tue, 03 Mar 2026 09:00:00 -0000

**NOTE: We recorded this before the Iran War started.**

Sure, we’ve got earnings coverage, but we are also taking a step back to discuss our personal rules for investing and how to stay disciplined in any market.

Malcolm Ethridge and Ricky Mulvey discuss:

- How Ricky won $2,600 back from an airline by using AI.

- Netflix walking away from Warner Bros. Discovery.

- How CAVA’s story is changing, and Ricky

- The difference between speculating and investing.

- Position sizing, “sleep numbers,” and building an investment policy statement before the storm hits.

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Hosts: Malcolm Ethridge, Ricky Mulvey

Engineer: Tim Sparks

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Jason Moser Talks Stocks

Fri, 27 Feb 2026 09:00:00 -0000

JMo is back! Motley Fool Senior Analyst, Jason Moser, joins Ricky Mulvey and Malcolm Ethridge to discuss what's actually happening in the AI selloff, and what's just noise.

They discuss

The companies that AI will not disrupt.

If the Citrini Research AI doom scenario, causing a market sell-off, is marketing or reality.

Jason’s thoughts on PayPal and Axon.

Malcolm’s theory on trading bots driving swings in the market.

The stocks that Jason has been buying.

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Hosts: Ricky Mulvey, Malcolm Ethridge

Guest: Jason Moser

Engineer: Tim Sparks

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Private Credit Freezes, Investors Feel a Chill

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

Blue Owl Capital just froze quarterly withdrawals from its private credit fund, and retail investors can't access their money. We explain why this isn't just a Blue Owl problem and why you want to know if you own private credit funds.

Malcolm Ethridge and Ricky Mulvey discuss:

- The private credit crisis, and why your portfolio might have more AI exposure than you think.

- Stocks we are buying.

- Age limits for Congress, and if members will ever face trading restrictions.

- Ricky’s reporting on Whale options activity and their effects on market.

-What Epstein's trades teach about investing psychology

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Hosts: Malcolm Ethridge, Ricky Mulvey

Engineer: Tim Sparks

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Invest for an AI Crash? Plus, We Reveal Epstein’s Stock Trades

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

The AI selloff is building momentum, and investors are moving to safety. Is it time to become a contrarian? Plus, Ricky reveals Jeffrey Epstein's brokerage statements. They break down his biggest mistakes: $300,000 in Yahoo, terrible options trades, and swing trading that lost money during a bull market.

(0:00) - Intro

(2:44) - The cybersecurity stock that can thrive as AI-agents spread.

(12:59) - Epstein’s swing trading habits (and why he was not very good at it).

(27:37) - An age cap for politicians? And, why Malcolm thinks Congress will ban insider trading (eventually).

(38:45) - If investors should prepare for an AI bubble to burst.

(48:10) - Plus, we respond to Scott Galloway’s comment about our podcast and challenge him to come on our show, America’s number 2 “Resist and Unsubscribe” podcast.

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Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Tim Sparks

Link to trading documents: https://www.justice.gov/age-verify?destination=/epstein/files/DataSet%2010/EFTA01267639.pdf

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Netflix's Warner Bros Problem, OpenAI's Nvidia Drama, and SpaceX Going Public

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

Why is SpaceX adding an AI company (that Elon Musk also owns)?

Ricky Mulvey and Malcolm Ethridge discuss:

- Why Warner Bros. Discovery could earn Netflix’s stock a “conglomerate discount”, and why Ricky changed his mind on the stock.

- Malcolm breaks down why OpenAI’s relationship with Nvidia could be falling apart.

- SpaceX preparing for a massive IPO and bringing xAI along for the ride.

- How Brian Niccol is already turning Starbucks around

Get in touch with the show at thistimepod@gmail.com.

We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Tim Sparks

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Resist and Unsubscribe: Can You Actually Boycott Big Tech?

Tue, 03 Feb 2026 09:00:00 -0000

Scott Galloway is calling for Americans to “Resist and Unsubscribe,” canceling big tech subscriptions. The call is for cancellations including Amazon Prime, Netflix, ChatGPT, and Apple services. The hope is that it will lead to political change. But will it work? And what happens if it does?

Malcolm Ethridge and Ricky Mulvey discuss:

- Why Microsoft dropped 12% despite solid earnings.

- The economics (and problems) of boycotting Amazon, Apple, and Meta

- 2026 stock picks.

- Malcolm’s beef with life insurance.

- Your questions: our biggest portfolio losers and the wage growth gap

Get in touch: thistimepod@gmail.com

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Hosts: Malcolm Ethridge, Ricky Mulvey

Engineer: Tim Sparks

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Sell America Gets Real

Tue, 27 Jan 2026 09:00:00 -0000

America did not make more friends at the World Economic Forum. And while stories about Greenland and tariffs flare up, the ground may be shifting as more central banks buy up gold.

Ricky Mulvey and Malcolm Ethridge discuss:

- Why Malcolm is purchasing the stocks of big banks and ServiceNow.

- If purchasing Warner Bros. is a good idea for Netflix.

- What the World Economic Forum revealed about the macroeconomy.

- Balling on a budget sushi tips.

We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Contact the show at thistimepod@gmail.com

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Tim Sparks

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Elon Musk: "Don't Save for Retirement" – AI Will Make It Irrelevant

Tue, 20 Jan 2026 09:00:00 -0000

Elon Musk just told a podcast audience they don't need to save for retirement because AI will provide universal high income. Meanwhile, someone placed a $74 million options bet on Taiwan Semiconductor right before a major tariff announcement. And Trump's proposing a 10% credit card interest rate cap with bipartisan support from Bernie Sanders and Josh Hawley.

Sheesh, there's a lot going on.

Malcolm Ethridge and Ricky Mulvey discuss:

Gen Z's new dating dealbreakers.
Elon Musk's bad retirement advice.
The proposed 10% cap on credit card interest rates.
Alamo Drafthouse breaking its brand promise by allowing mobile ordering during movies?
The case for IMAX in a K-shaped economy, and why Ricky has been proven wrong by the giant big screens.

Question/comment on the show? Email us at thistimepod@gmail.com

Interested in advertising? Contact advertising@airwavemedia.com

Hosts: Ricky Mulvey, Malcolm Ethridge
Engineer: Tim Sparks

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Economic Narratives 2026: Dedollarization, AI Profits, and Bitcoin

Tue, 13 Jan 2026 09:00:00 -0000

What stories are going to drive the economy and the market this year?

Malcolm Ethridge and Ricky Mulvey discuss:

- De-dollarization: Why central banks are buying gold and what it means for the U.S. dollar's reserve currency status.

- AI profitability: Do AI projects need to start generating cash in 2026?

- A Recession-proof investing myth: Why alcohol stocks aren't the defensive play they used to be.

- Bitcoin and HODL (Hold On for Dear Life): Does BTC deserve "hold forever" asset status?

- Economic observations from Australia: What Ricky’s trip Down Under revealed about global economy

Question/comment on the show? Email us at thistimepod at gmail dot com.

Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Tim Sparks

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Is Common Financial Wisdom ACTUALLY True?

Tue, 06 Jan 2026 09:00:00 -0000

Some financial truisms become common knowledge for good reason. Some deserve to be revisited.

Malcolm Ethridge and Ricky Mulvey discuss:

- If young people should save as much as they can early in their career.

- How investors should think about their “return on effort”.

- The economic rules of home ownership.

- Why job switching doesn’t necessarily pay.

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Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Tim Sparks

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What Fighting, Sex, and Pizza Reveal About the Economy

Tue, 30 Dec 2025 09:00:00 -0000

Data doesn’t always capture what’s happening in the economy.

Malcolm Ethridge and Ricky Mulvey discuss:

- Malcolm’s biggest market worry for 2026.

- How the state of boxing reflects the broader economy.

- Why sugar daddies are spending less.

- Tighter spending showing up at pizza chains.

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Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Tim Sparks

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How to Invest For Decades w/ John Rotonti

Tue, 23 Dec 2025 09:00:00 -0000

John Rotonti is a Portfolio Manager for Bastion Fiduciary where he runs the Bastion Industrial and Infrastructure Portfolio. He joined Ricky Mulvey for a conversation about:

- The housing shortage and how John is approaching it as an investor.

- Finding high-quality companies.

- A less-discussed player in the AI buildout.

- How sustainable share buybacks reward long-term holders.

Host: Ricky Mulvey

Guest: John Rotonti

Engineer: Tim Sparks

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An OpenAI IPO? w/ Alex Kantrowitz

Thu, 18 Dec 2025 09:00:00 -0000

When will OpenAI go public? Could it really happen as soon as 2026? What will AI wearables actually look like? And why has the market largely forgotten about Waymo?

Alex Kantrowitz, who writes the Big Technology Substack and hosts the Big Technology podcast, joins Ricky and Malcolm to break it down.

- Alex and Malcolm debate OpenAI going public in 2026.

- They discuss why AI wearables won’t look like your phone.

- Alex explains why Waymo is underrated.

Hosts: Ricky Mulvey, Malcolm Ethridge

Guest: Alex Kantrowitz

Engineer: Tim Sparks

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Your Online Grocer "Randomly" Raises Prices

Tue, 16 Dec 2025 09:00:00 -0000

Instacart is testing different prices for the same basket of goods, sold from the same grocery store and at the same time. Algorithmic pricing is in your grocery cart.

Ricky Mulvey and Malcolm Ethridge discuss:

- Disney allowing its characters on OpenAI’s Sora platform.

- Why Malcolm is losing faith in Oracle’s business.

- Instacart playing with algorithmic pricing on grocery items

- The potential of a one-person unicorn.

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Tim Sparks

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Work From Home Is Dying. Investors Haven’t Noticed.

Tue, 09 Dec 2025 09:00:00 -0000

More than half of Fortune 100 companies have asked “desk-using employees” to come back to the office five days a week. But office REITs are not roaring back.

Malcolm Ethridge and Ricky Mulvey discuss:

- Crypto’s downturn, and if it represents a “buy the dip” opportunity.

- Meta cutting its metaverse budget.

- The career implications of working from home, and the data on return to office.

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Hosts: Malcolm Ethridge, Ricky Mulvey

Engineer: Tim Sparks

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Retail is Nervous. Wall Street Isn’t. Why?

Tue, 02 Dec 2025 09:00:00 -0000

Retail investors are selling off risky assets, like Bitcoin, but the big institutional money is sitting tight.

Ricky Mulvey and Malcolm Ethridge discuss:

- The surprising number of high-income earners using Buy Now Pay Later.

- Abercrombie & Fitch as a buyback machine.

- Why retail investors are afraid of the AI trade, but big money is not.

- Nvidia’s potential accounting issues.

Hosts: Malcolm Ethridge, Ricky Mulvey

Engineer: Tim Sparks

Articles discussed:

High-income earners using BNPL: https://theharrispoll.com/wp-content/uploads/2025/11/Income-Paradox-Survey-November-2025.pdf Nvidia’s accounting questions: https://substack.com/home/post/p-179453867

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How to Beat Financial Nihilism w/ Hanna Horvath

Fri, 28 Nov 2025 13:00:00 -0000

AI is propping up the economy. Homes aren’t affordable. You don’t feel like you’re making enough at your job. So what do you do?

Hanna Horvath, CFP®, writes the Substack “Your Brain on Money” and joined Malcolm and Ricky for a conversation about:

- How the definition of being middle class is changing.

- Gen Z’s split preference between socialism and capitalism.

- Building more agency into your financial life.
We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Hosts: Ricky Mulvey, Malcolm Ethridge

Guest: Hanna Horvath

Engineer: Tim Sparks

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“The Market Needs a Good Spanking”

Tue, 25 Nov 2025 11:00:00 -0000

Some investors are rooting for a bear market. Are you?

Malcolm Ethridge and Ricky Mulvey discuss:

- Why a blowout Nvidia quarter does not impress investors anymore.

- “The big market delusion” and artificial intelligence.

- Why younger generations are steering away from stocks.

- The growth of private credit funds being sold to retail investors.

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Tim Sparks

We are proud to be in the Airwave Media network! Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.

Articles discussed: “Why We Could Use a Good, Long Bear Market.” https://www.wsj.com/finance/stocks/why-we-could-use-a-good-long-bear-market-73997cb7?gaa_at=eafs&gaa_n=AWEtsqdDbPx_jftTXFB1T9awbqTolkrusKFpCLJlZ6JlMSF13bLTJfWxXRDCEyLsRw%3D%3D&gaa_ts=6924c3dc&gaa_sig=PujCvwH9HJ2TE109icuSfI5d4aN0SQp3-cCr-FyArg9JWOVesK05tH8dige5vrA50-nLqvxUBdYnumxwxKNqMg%3D%3D

AI’s Winners, Losers, and Wannabee: Beyond Buzzwords” https://pages.stern.nyu.edu/~adamodar/pdfiles/country/AICombinedNEW.pdf

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Warren Buffett Lives “The Baby Boomer Dream”

Tue, 18 Nov 2025 11:00:00 -0000

He’s retiring at age 95 as a multi-billionaire. He’s leaving his kids 1% of his fortune. And everyone is hanging on to hear his insight. Warren Buffett is truly living the Baby Boomer Dream.

Malcolm Ethridge and Ricky Mulvey discuss:

- Michael Burry shutting down his hedge fund.

- Warren Buffett’s letter to shareholders and how Buffett has affected them.

- Opendoor as a “cult stock” and the actual business of iBuying homes.

- A start-up that is fractionalizing home ownership.

Please contact advertising@airwavemedia.com if you would like to advertise on our podcast.
Question for the show? Email us at thistimepod at gmail dot com.

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Tim Sparks

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The Real Economics of Sports Betting

Thu, 13 Nov 2025 11:00:00 -0000

What happens when we put a financial planner and a mixed martial arts betting analyst in conversation?

Cody Saftic is a mixed martial arts betting analyst, the co-host of Bookie Beatdown, and an MMA matchmaker. Cody joined Malcolm and Ricky to discuss:

- Recent fight fixing allegations in the UFC.

- The number one rule of gambling.

- How Cody has seen the interest in sports gambling explode over the past decade.

- What you can do if you want to “gamble” in the stock market (and not hurt yourself too much)..

- Why social media makes gambling look more profitable than it is.

Cody’s X account: https://x.com/CjSaftic

Hosts: Ricky Mulvey, Malcolm Ethridge

Guest: Cody Saftic

Engineer: Mark Lamorgese

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How to Invest with a Casino in Your Pocket

Tue, 11 Nov 2025 11:00:00 -0000

Why is Sam Altman getting heated about a simple valuation question?

In the first half of the show, Malcolm Ethridge and Ricky Mulvey discuss

- OpenAI CEO Sam Altman’s surprising response to a question about his company’s $1.4 trillion commitments.

- A Big Short against Palantir.

- Where they’re seeing opportunities in Ethereum and Chipotle.

Then, they explore the rise of sports betting and how taking a game-like approach can change the way you invest.

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Mark Lamorgese

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This Time Is Different Trailer

Sat, 08 Nov 2025 23:30:00 -0000

Long-form conversations that challenge the consensus thinking around markets, the economy, and your money.

Hosted by Malcolm Ethridge and Ricky Mulvey

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A Wave of Big Tech Layoffs

Tue, 04 Nov 2025 11:00:00 -0000

The economy is in a weird place. Nvidia added more than $600 billion in market cap in five trading days. Amazon cut 14,000 workers. AI is the reason for both.

Malcolm Ethridge and Ricky Mulvey discuss:

- Why Nvidia’s market cap continues to skyrocket.

- OpenAI’s proposed initial public offering, and why “$60 billion won’t cut it”.

- Some takeaways from big tech earnings.

In the second half of the show, Malcolm and Ricky discuss the wave of white collar layoffs. They talk about the economic implications and the personal finance piece if you are anticipating you may get laid off, or you’ve recently experienced one.

Hosts: Ricky Mulvey, Malcolm Ethridge

Engineer: Mark Lamorgese

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Leave Stocks? And Go Where?

Tue, 28 Oct 2025 09:00:00 -0000

Retirement savings are wide open for private equity, and more investors are looking to gold.

Malcolm Ethridge and Ricky Mulvey discuss:

- The FBI breaking up a gambling ring involving NBA players and the mafia.

- OpenAI releasing the Atlas web browser.

- Why more private funds are opening to regular investors.

- What’s behind the massive run-up in the price of gold.

Then, Tim White, the Principal at Cyface Design, which offers Fractional CTO consulting in digital publishing and content management, joins Ricky to discuss why Amazon Web Services went down and the ripple effects to watch.

Editor’s note: Ricky accidentally recorded into the wrong microphone for his conversation with Tim. Please forgive him!

Hosts: Ricky Mulvey and Malcolm Ethridge

Guest: Tim White

Engineer: Mark Lamorgese

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Investing Through Dark Clouds

Wed, 22 Oct 2025 16:00:00 -0000

When should you run toward a dumpster fire? When should you stay away?

Ricky Mulvey and Malcolm Ethridge discuss:

- What some investors misunderstand about Oracle's business.

- If Robinhood has a branding problem.

- Investing in companies with visible problems.

Articles discussed:

Oracle's margin questions: https://www.theinformation.com/articles/internal-oracle-data-show-financial-challenge-renting-nvidia-chips

Robinhood profile: https://www.bloomberg.com/news/features/2025-10-17/robinhood-s-next-bet-gen-z-401-k-s-and-trump?embedded-checkout=true

Hosts: Malcolm Ethridge, Ricky Mulvey

Engineer: Mark Lamorgese

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Yes, AI Is in a Bubble

Wed, 15 Oct 2025 19:00:00 -0000

But that doesn’t mean the bubble will pop soon.

Ricky Mulvey and Malcolm Ethridge kick off their new show, “This Time Is Different”. They discuss:

- What the Shiller PE ratio reveals about the stock market.

- Circular dealmaking among AI companies.

- Why Ricky is putting more of his long-term savings in cash and bonds.

- Peter Lynch’s investing lessons for 2025.

Hosts: Malcolm Ethridge and Ricky Mulvey

Engineer: Mark Lamorgese

References:

Bloomberg article on the AI bubble: https://www.bloomberg.com/news/articles/2025-10-09/why-experts-are-warning-the-ai-boom-could-be-a-bubble

Peter Lynch on The Compound and Friends: https://www.youtube.com/watch?v=YIlurDigZcY

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Tech Money Podcast: Improving Your Relationship with Money with Hanna Horvath

Wed, 26 Jun 2024 05:00:00 -0000

In this episode of Tech Money Live, Malcolm chats with special guest, Hanna Horvath, of Bankrate and "Your Brain on Money," to discuss her work as a personal finance writer, and her passion for helping people understand the ways in which their background, social conditioning, and personalities all influence the way they think and handle and talk about money.

Join the Tech Money Community on Microsoft Teams

Resources:

@Hanna_Horvath

LinkedIn: Hanna Horvath

Your Brain on Money

Connect with Malcolm:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

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Tech Money Podcast: Beyond Bitcoin: Is there More to Crypto?

Wed, 22 May 2024 12:00:00 -0000

In this episode of Tech Money Live, Malcolm chats with special guest, Ryan Rasmussen, of Bitwise Asset Management to discuss cryptocurrency as an entire asset class beyond Bitcoin. The pair delve into into broader landscape of cryptocurrencies, including the emerging technologies and diverse applications that are shaping the future of finance. While Bitcoin captures headlines as the pioneering digital currency, the crypto industry is vast and varied, encompassing far more than just its flagship asset.

Join the Tech Money Community on Microsoft Teams

Resources:

Ryan Rasmussen

Bitwise Asset Management

Bitwise 10 Crypto Index Fund - BITW

Connect with Malcolm:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

Mentioned in this episode:

Capital Area Tax Consultants: www.capgllc.com

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Tech Money Podcast: How to Build an Investment Portfolio from Scratch

Wed, 08 May 2024 12:00:00 -0000

In this episode of Tech Money Live, Malcolm lays out a playbook for how to construct an investment portfolio from scratch. Inspired by a recent blog post and feedback received from the Tech Money community, Malcolm walks through his own approach to investing, and also shares plenty of helpful resources for investors at all phases on the journey.

Join the Tech Money Community on Microsoft Teams

Resources:

One Up on Wall Street

Stock Market Analysis and Tools for Investors

Here's How to Build an Investment Portfolio from Scratch

Connect with Malcolm:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

Mentioned in this episode:

Capital Area Tax Consultants: www.capgllc.com

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Tech Money Podcast: The State of the Tech Worker with Alex Kantrowitz

Mon, 11 Mar 2024 23:00:00 -0000

In this episode, Malcolm Ethridge sits down with Alex Kantrowitz, Founder/CEO of Big Technology to discuss many different topics affecting tech workers, such as whether mass layoffs in tech are finally done, the likelihood that AI actually replaces knowledge workers, as well as Alex’s own journey from working in tech to reporting on it.

Join the Tech Money Community on Microsoft Teams

Resources:

Service Now's People Pact

AI Is Starting to Threaten White-Collar Jobs. Few Industries Are Immune.

Employers Train Employees to Close the AI Skills Gap

Connect with Alex:

Big Technology Podcast

Big Technology Newsletter

LinkedIn: Alex Kantrowitz

@Kantrowitz

Connect with Malcolm:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

Capital Area Tax Consultants: www.capgllc.com

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Take Your 401(k) With You

Wed, 17 May 2023 10:00:00 -0000

In this episode, Malcolm Ethridge shares the reasons why he believes it’s (almost) always a good idea to take your 401(k) with you whenever you change jobs or retire. He also shares some of the potential pitfalls to be aware of, as well as some helpful insights about a little known option available to those who own substantial shares of their company’s stock inside the plan.

Resources:

Malcolm Ethridge Discusses:

Why he believes you should always take your 401(k) with you when you change jobs (with one exception)
The difference between a direct vs an indirect rollover
Something to consider if you own company stock inside your 401(k)
What can happen to the after-tax money you’ve contributed to your plan if you’re not careful.

Connect with Malcolm:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Going from Saver to Spender in Retirement

Wed, 10 May 2023 05:00:00 -0000

In this episode, Malcolm Ethridge discusses the phenomenon of frugality inertia, and why it keeps retirees from being able to enjoy their retirement. He shares his insights on how it can help to reframe your focus and spend that retirement nest egg on things that will enhance your quality of life, ultimately leading to a happier and healthier version of yourself.

Malcolm Ethridge Discusses:

The common causes of frugality inertia
The high class problem of having to invent new ways to spend your money
The importance of balancing your desire to preserve your savings with enjoying your retirement
What steps retirees can take to help themselves feel comfortable spending money

Connect with Malcolm:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: The Latest on Crypto Regulation with Andie Kramer

Wed, 03 May 2023 10:00:00 -0000

In recent years, the rise of digital currencies has revolutionized the way we think about money and finance, with more and more individuals and businesses embracing the potential of blockchain technology. However, with this rapid growth has come a significant amount of uncertainty and confusion around the legal and regulatory frameworks that govern this new asset class. And as the crypto industry continues to grow and evolve, the issue of regulation and security will remain a key focus for lawmakers and industry stakeholders alike.

One of the biggest challenges facing the crypto industry today is the issue of security, with several high-profile exchange hacks and collapses leading to the loss of billions of dollars in assets. In response, lawmakers and regulators around the world have been grappling with how to protect consumers and investors in this space. In the US, Congress is currently considering several bills aimed at increasing oversight and regulation of the crypto industry, including measures to require crypto exchanges to register with the SEC and establish minimum capital requirements.

In this episode, Malcolm sits down with Andie Kramer, Founding Member of ASKramer Law, to discuss the current state of regulation in digital assets, such as cryptocurrencies and stable coins. Andie shares her thoughts on regulatory, tax, and governance issues both globally and in the U.S.

Andie Kramer Discusses:

The types of regulation needed in crypto
What has happened to crypto since the U.S. Government began regulating it
The likelihood of a Bitcoin spot ETF being approved by the SEC
The dangers of ignoring the tax laws related to crypto trading

Connect with Andie:

LinkedIn: Andie Kramer
ASKramer Law

Connect with Malcolm:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

About our guest:

Andie is a nationally recognized authority on the regulatory, tax, commercial, and governance matters that arise in trading environments. She provides clients with practical and effective counsel to allow them to move forward with confidence and predictability as they navigate complex, high-stakes transactions. Andie applies a unique multidisciplinary approach to the taxation and regulation of financial products, markets, and participants.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: How to Know Whether Options Belong in Your Portfolio with Jessica Inskip

Wed, 19 Apr 2023 10:00:00 -0000

Investing is a way to grow your money over time, and secure your financial future. When you invest without a clear plan, you're more likely to make decisions based on emotions, rather than logic. You may be tempted to buy a stock because it's the latest hot trend or sell a stock because you're afraid of losing money. However, when you invest with a purpose, you have a plan in place that guides your investment decisions. And thus, you're less likely to make impulsive decisions that can lead to unnecessary financial losses.

Investing with a purpose means having a clear understanding of your financial goals and investing accordingly. And it requires taking the time to evaluate your financial situation, your willingness, and capacity to take financial risk, and your overall objectives for the capital you plan to put to work. It is not about chasing the latest investment fad or trying to beat the market in the short term. Instead, it's about creating a plan and investing in a way that maximizes your chances of success.

In this episode, Malcolm Ethridge sits down with Jessica Inskip, Director of Education and Product for OptionsPlay, to discuss the importance of investing with purpose, as well as the need to have a firm grasp of the basics prior to jumping into the more complex world of options trading. Jessica shares her unique insight into the different strategies investors can take to limit their risk when investing, as well as how to know when it’s time to introduce more complex strategies into your investment mix.

Jessica Inskip Discusses:

How to know whether you’re ready to trade options
How to use options to reduce the risk inherent in a portfolio
The various ways to incorporate options strategies into a portfolio
The risks of following finfluencers

Connect with Jessica:

Connect with Malcolm:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

About our Guest:

Jessica joined the financial industry in 2009 and most recently accepted a position with OptionsPlay. She has held various positions within the brokerage industry across multiple firms, including roles specializing in strategy, product management, high frequency trading, complex options and derivative strategies, and the relationship management of high-net-worth affluent investors.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Navigating Money and Divorce with Andrew Hatherley

Wed, 12 Apr 2023 10:00:00 -0000

Nobody enters a marriage expecting to get divorced. Yet, regardless of our best intentions, relationships can and do fall apart. While the emotional roller coaster of divorce is difficult enough, the added frustration of financial litigations can make a situation that much worse. Unfortunately, the current system of divorce in the United States does a poor job of educating clients on the alternatives to litigation. And in the event legal arbitration is the only choice left: where does one turn?

Given their higher salaries and equity arrangements, tech workers are more likely than most to enter marriages with lop-sided assets or income, or both. Furthermore, as a tech worker, it is common to spend your early years building a career, resulting in a later-life marriage, and sometimes with children from a previous relationship. Because of this, some parties may stand to walk away from a marriage with much more than they came into it with. These realities of life should not be ignored when considering a marriage. Even the most rational, cool-headed individuals can be sucked into the emotional damage that is typical of divorce.

On this episode, Malcolm Ethridge sits down with Andrew Hatherley, Certified Divorce Financial Analyst and founder of Wiser Divorce Solutions, to discuss his work helping divorcing couples and individuals avoid the financial and emotional hazards of divorce. Having been divorced himself, Andrew has first-hand experience with the broken and frustrating U.S. “Divorce System” and seeks to do his part to help change the way divorce is handled in this country.

Andrew Hatherley discusses:

The broken divorce system in the U.S.
The true cost of filing for divorce
Ways to avoid an expensive and protracted divorce proceeding
The importance of prenuptial agreements among couples intending to marry

Connect With Andrew:

Connect With Malcolm Ethridge:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

About Our Guest:

Andrew Hatherley is a divorce financial advisor and understands the fear and uncertainty many of you are feeling. He went through his own divorce several years ago. He knows that the extreme emotions that come with divorce can lead to damaging financial mistakes, both short and long term. Having learned the hard way, He is determined to help others avoid some of the pitfalls that can make divorce such a difficult process

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Avoiding Burnout as a Tech Worker with Michael Lin

Wed, 05 Apr 2023 10:00:00 -0000

Picture this: you’re working for one of the FANG companies, in a high-paying role, with unlimited PTO, free food, and plenty of responsibility -- sounds pretty ideal right? But there’s one big problem: you can’t take it anymore. On one hand, you feel guilty because you’ve ascended to a position many of your peers could only dream of. On the other, you’re unmotivated, unproductive, and struggling to make the commute to the office--or perhaps more telling--your kitchen table. What was once a challenging and fulfilling endeavor has soured. And the pressing question isn’t if you should leave, but when?

Don’t get me wrong, feeling stuck in a high-paying white collar gig is a good problem to have, but it’s not sustainable. Regardless of your annual salary and all the bells and whistles, nobody is immune to career burnout. And worst of all, the cost of staying in a role that no longer serves you can steal your time, freedom, and creativity. And after the life-altering experience of living through the COVID-19 pandemic and plenty of introspection, many workers made the tough decision to protect their peace of mind and walked away. But aside from the financial implications, many more stayed in jobs they hated due to the fear of disappointing their parents and/or their cultural expectations, possible backlash from colleagues left holding the bag, or even just the fear of being seen as ungrateful.

On this episode, Malcolm Ethridge sits down with Michael Lin, Founder of All-In Engineering Consulting, to discuss why he walked away from a nearly half a million dollar a year job at Netflix. In 2022, Michael made headlines after publishing a letter titled “Why I Quit a $450k Engineering Job at Netflix.” His words illuminated the reality of career burnout from high-demand, high-paying roles. So, he and Malcolm sat down to discuss his journey and lessons learned that other tech employees can benefit from.

Michael Lin Discusses:

The true cost of staying in a job you hate
The importance of taking your career into your own hands
Aligning your professional work with your life’s purpose
How to know when you’re reaching burnout and what to do about it

Connect with Michael:

Connect with Malcolm:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

About our guest:

Michael Lin is an ex-Netflix tech lead turned entrepreneur. By day, he runs All-In Engineering Consulting, where they help VC-backed startups build MVP’s. By night, he writes a weekly newsletter about entrepreneurship, engineering, and life.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: The Rising Trend of Social Investing with Manning Field

Wed, 29 Mar 2023 10:00:00 -0000

The most common example of social trading is when individual investors follow successful traders on social trading platforms and copy their trades. This can help investors who lack the time, experience, or confidence to invest on their own to achieve similar returns to more experienced traders. But, if you’ve ever traded stocks or crypto on Robinhood, and immediately received a prompt letting you know which of your friends also bought that stock earlier that same day, then you’ve experienced social investing. Or, if you’ve ever found yourself knee-deep in a Reddit thread debating the merits of bottom-up versus top-down company analysis, then you’ve experienced social investing as well.

For better or for worse, financial influencers play a significant role in the trend of social investing because they have established a following and built a reputation for their perceived knowledge and expertise in the financial markets. They are adept at using social media platforms such as Twitter, Instagram, Tik Tok, and Youtube to share their investment strategies, insights, opinions, and ideas with their followers.

On this episode, Malcolm Ethridge sits down with Manning Field, CEO of Follow, a new social investment startup encouraging investors to bolster and diversify their portfolios by mirroring the trades of today’s top financial creators. The pair share their differing opinions on the rise of fin-fluencers, the so-called Reddit rebellion, and the expected long-term impact of social investing on a generation of newer, younger investors.

Manning Field discusses:

The role of social media in the future of investing
The importance of vetting financial advice before acting on it
Younger investors’ preference for finfluencers
What it means to construct portfolios of the future

Connect With Manning:

Connect With Malcolm Ethridge:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

About Our Guest:

Manning Field is the Chief Executive Officer at Follow. He previously worked as the Chief Operations Officer at Acorns. Prior to Acorns, he launched market-leading products and programs at JPMorgan Chase like Chase Sapphire, Chase Freedom and Chase Ultimate Rewards, and was named an Ad Age "40 Under 40." He spent four years in Beijing,China, as CMO of JPMorgan Chase's consumer team and while there, founded a local credit card business. During his 18 year tenure at Chase, Manning oversaw many departments including Branding, Advertising, Product Development, Marketing, Corporate Development, Innovation, Sales Strategy, and, lastly, as the Managing Director of Loyalty Innovation.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: What Does it Mean to Pay Yourself First?

Wed, 22 Mar 2023 10:00:00 -0000

Traditionally, we are taught from a young age that anyone who fails to pay their bills on time and in full is either irresponsible, lazy, or otherwise bad with money. By the time a person reaches young adulthood, they have essentially learned rule #1 of managing your personal finances: pay every bill on time, no matter what.

The reality though is that the importance of paying yourself supersedes paying anyone else. As cliché as it sounds, paying yourself first is an important financial lesson to learn and one that will serve you well in the long run.

In this episode, Malcolm Ethridge discusses the concept of paying yourself first, his belief that we should work, save, pay taxes, pay bills, and then spend what’s left in that order, and some recommendations for how to set up an automatic savings plan designed to take out as much of the human element out of the equation as possible.

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Investing in Non-Traditional Real Estate with Whitney Elkins-Hutten

Wed, 15 Mar 2023 10:00:00 -0000

The promise and allure of passive income is undeniable. The idea of making money “while you sleep” has led to a proliferation of personalities and influencers telling us how to build income streams through dividends, real estate, online courses, e-books, and more. Unlike the day-to-day income most workers are accustomed to, passive income allows you to receive earnings, royalties, or sales in perpetuity, well after the initial investment. Passive income streams compliment one’s salary and provide stepping stones to creating a life with greater financial freedom.

Historically, real estate investing has represented one of the most popular income building strategies beyond stocks, bonds, or a primary residence. However, for many busy tech workers, the idea of becoming a landlord, dealing with broken pipes, and evicting tenants can quickly quell any ideas of building a real estate portfolio. In contrast, passively investing in car washes, multi-family properties, or public storage facilities are attractive opportunities that provide cash-flow and appreciation without the active management of traditional real estate. Beginning the transition from active investing to passive real estate investing begins with finding a trusted and experienced investment team.

In this episode, Malcolm Ethridge sits down with Whitney Elkins-Hutten, the Director of Investor Education at Passive Investing dot com, a national passive real estate investment firm based in the Carolinas with a portfolio valued at over 1.3 billion dollars and fueled by 2,000 investors. The pair discuss Whitney’s passion for helping busy professionals achieve financial freedom through passively investing in cash-flowing real estate in their local communities, as well as why she has a bit of a unique emphasis on self-storage units and car washes.

Whitney Elkins-Hutten Discusses:

How she accidentally found her passion for real estate investing
The difference between financial independence and financial freedom
The world of non-traditional real estate investing
How to find and vet real estate deals and fund managers to get a better sense of who will make a good partner

Connect with Whitney:

Connect with Malcolm:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

About our Guest:

Whitney Is A Real Estate Maven Who, After Purchasing Her First Rental In 2002, And Hitting A Homerun, Then Nearly Losing It All On Her Second Deal, Took Control And Figured Out How To Invest In Real Estate The Right Way. She Realized That Success Must Leave Clues. So, She Studied And Replicated The Very Personal Finance And Wealth Creation Strategies The Wealthy Use To Create Financial Freedom. Today, Whitney Is A Partner In $700M+ Of Real Estate —Including Over 5000+ Residential Units (MF, MHP, SFR, And Assisted Living) And More Than 1400+ Self-Storage Units Across 7 States—And Experience Flipping Over $3.0M In Residential Real Estate.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: The Impact of Diversity in Fintech with Drew Glover

Wed, 08 Mar 2023 10:00:00 -0000

The Fintech sector is responsible for the rapid transformation and digitalization of financial tools that help consumers intelligently manage and understand their money. Making an incredibly positive impact, financial services companies distance consumers from the legacy banking system and provide access to historically underrepresented communities. Despite this progress, it is a well known fact that a disproportionate number of entrepreneurs and decision makers within Fintech do not adequately reflect their consumer base. In light of this, there are calls for diversifying all levels of the industry to build a more inclusive financial system.

When financial service products are developed through a narrow lens of beliefs, experiences, and assumptions, underbanked or marginalized communities may be affected in unintentional ways. Alternatively, financial tools built with a broader lens adequately predict these impacts and may ultimately translate to a stronger bottom line. Techworkers of today have a unique opportunity to rewrite a stained past of discriminatory financial practices by designing and marketing the inclusive financial tools of tomorrow. The diversification of perspectives within the Fintech community will provide immense benefit to US consumers as well as increase a solution’s marketability to a global audience.

In this episode, Malcolm sits down with Drew Glover, Founding Partner at Fiat Growth, a strategic marketing shop working with some of the largest fintech, insurtech & rewards brands such as Chime, Lemonade, and Motley Fool. With the vision to scale products accessible to all, Fiat Growth aligns the most impactful companies to collaborate and empower the global consumer, regardless of socioeconomic status. Drew focuses on providing growth, mentorship, and venture capital to start-ups that help streamline and diversify the FinTech acquisition funnel. He believes that everybody deserves access to financial tools that build wealth and simplify life.

Drew Glover discusses:

What legacy banking systems get wrong about serving underbanked communities
What it means to earn the right to invest in a startup
The rise of affinity based fintechs
What other problems fintech is close to solving

Connect With Martha:

Connect With Malcolm Ethridge:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

About Our Guest:

Drew is a Founding Partner of Fiat Growth and General Partner at Fiat Ventures. He is no stranger to the world of growth, technology, and marketing. From his time at Steady where he led marketplace development and growth to Namely, Fjord, and Portal A, he navigated the ins and outs of Go-to-Market strategies and user acquisition. He has helped companies like Root, JP Morgan Chase, adidas and Nike bring award-winning services and partnerships to market.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Being Strategic With Your Equity During a Recession with Brooke Harley

Wed, 01 Mar 2023 10:00:00 -0000

Equity is an important aspect of any tech worker’s overall compensation. This employee perk gives you a stake in the company and incentive to perform. Not only should it be negotiated upon hire, but also leveraged to its full-potential as your career progresses. When times are good, it’s comfortable to continue taking shares, but what happens when the market sours? The looming recession is forcing some workers to navigate falling stock prices for the first time.

While it’s tempting to mitigate risk by increasing cash compensation, it often provides marginal lifestyle comfort to high-earning workers. In contrast, continuing to receive equity has advantages that are often overlooked. Whether you have stock options or restricted stocks, today’s episode provides an alternative narrative to the doom and gloom of financial downturns. We'll explore how to identify bear market opportunities, as well as strategic advice for those debating on how to manage their options. Through this lens, you’ll be well-equipped to weather recessions and make the most of your equity compensation.

In this episode, Malcolm Ethridge sits down with Brooke Harley, Founder and CEO of ClassRebel, an online e-learning company that offers affordable and relevant courses on wealth-building, angel investing, and the basics of managing equity. Through her work with ClassRebel, Brooke levels the playing field by making these investing topics available to anyone that wants to learn. She believes that anyone receiving equity compensation should view bear markets as a moment of opportunity rather than a moment of panic. Prior to founding ClassRebel, Brooke worked as a corporate attorney, venture investor, and startup board member.

Brooke Harley Discusses:

How to get more bang for your buck when the market is down
How her own personal experience as a startup employee led her to founding Class Rebel
Ways to be strategic with your equity following a layoff
Why it is important to negotiate for more equity when share prices are lower

Connect With Brooke:

Connect With Malcolm Ethridge:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

About our Guest:

Brooke Harley is the Founder and CEO of ClassRebel, an online e-learning company that offers affordable and relevant courses on wealth-building, angel investing, and the basics of managing equity. After deploying capital from her first VC fund, Brooke realized that many entrepreneurs had a distinct socio-educational advantage in raising money. Class Rebel represents her efforts to level the playing field by making these investing topics available to anyone that wants to learn them. Prior to founding ClassRebel, Brooke worked as a corporate attorney, venture investor, and startup board member.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Using Technology to Make Estate Planning More Accessible with Martha Underwood

Wed, 22 Feb 2023 10:00:00 -0000

The process of assets changing hands from one generation to the next within a family is what we mean when we use the term "generational wealth." But in actuality, the next generation may not be equipped to manage the money they inherit. However, it is also true that family wealth can be diluted as it is divided amongst children and other heirs, especially if each has a different stance on how to invest or manage their individual finances. And to make matters worse, if the proper legal documentation and instructions are not in place, it can be difficult for families to protect what they've worked so hard for.

That’s why estate planning is so important. It provides a mechanism for transferring assets from one generation to another without costly tax implications or legal complications. By establishing an estate plan, individuals can provide clear instructions of how to divide their assets and ensure that their wishes are carried out in the end. This can help ease both the emotional and the financial burden, and create much-needed peace of mind for all parties involved.

In this episode, Malcolm Ethridge sits down with Martha Underwood, co-founder and CEO of Prismm, a company leveraging technology to ensure wealth transfers appropriately at the end of a life. They discuss the ways in which Martha is leveraging her 25 years of experience in technology to develop products and services that help people manage the tedious administrative tasks that require attention when a loved one passes away.

Martha Underwood discusses:

Why estate planning is such a difficult conversation for families to have
How to develop your own estate planning checklist and how often you should update it
Ways that technology is helping to facilitate difficult conversations among family members
Why it is vital to have life’s most important documents available right at the moment when you need them most

Connect With Martha:

Connect With Malcolm Ethridge:

LinkedIn: Malcolm Ethridge

Capital Area Planning Group

MalcolmOnMoney Newsletter

@MalcolmOnMoney

About Our Guest:

From IBM in Florida to Silicon Valley and now Birmingham, Alabama, Martha has built a storied career in the software technology industry. Her accomplishments include building enterprise solutions for insurance carriers, working on the earliest iterations of healthcare patient portals, and positioning startups for acquisition by designing business models and optimizing product offerings.

Martha currently serves as the CEO of Prismm, a company dedicated to leveraging technology to ensure wealth transfer at the end of life. Her focus is on taking a creative and innovative approach to handling documents and assets using best-in-class digital practices. With more than 25 years of experience, Martha is putting her enthusiastic passion for technology to work developing products and services to help people manage the often daunting affairs and tedious administrative tasks that require attention when a loved one transitions this life.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: What is Financial Independence?

Wed, 15 Feb 2023 12:00:00 -0000

It’s widely believed that work is something that is supposed to happen between the hours of 9 to 5, 40 hours per week, 5 days per week, 50 weeks per year, for 40 years, until age 65 or later. Then, and only then, are you allowed to think about and prioritize the people and things that matter to you the most. Or at least that’s how it seems. But in reality, you should also be spending your younger years enjoying time together with friends and family, exploring and traveling, and dedicating your time to the causes that you care about - not just when you're older.

In order to enjoy that level of time freedom, it will require you to reach some semblance of financial independence earlier in life. But these days, when people hear the term financial independence, their minds automatically envision the super-rich tech entrepreneur who founded a company from their dorm room and the next day, sold it for billions of dollars. Or they think of the extreme case of winning a multi-million-dollar lottery prize or some other sort of life altering windfall. But this doesn’t have to be the case.

In this episode, Malcolm Ethridge shares his thoughts on financial independence; what it is, what it’s not, and what it will take to reach it in this lifetime. As a millennial on his own financial independence journey, Malcolm [take this from the back jacket text]

Malcolm Ethridge Discusses:

What financial independence is and is not
How to determine your own “enough” point and what do do when you get there
The importance of developing passive streams of income
Why it is not necessary to take a vow of poverty to reach financial independence

Connect With Malcolm Ethridge:

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

Tech Money Podcast: Is ESG Investing More than Hype with Daniel Naim

Wed, 08 Feb 2023 12:00:00 -0000

Long gone are the days of investing solely for the bottom line. A growing percentage of investors want to put their hard-earned money behind organizations that align with their personal values. Some want to move away from a one-size fits all basket of blue-chip stocks, for one that supports initiatives that actually matter to them. While some may strictly invest in this manner as an outward expression of their values, others believe this is a winning formula for people and the planet.

Are the supply chains ethically developed? Do the employees receive fair compensation? What is the background of C-Suite executives and the board of directors? When investors base financial decisions on these factors, it is known as ESG investing. ESG Investing is a strategy that takes into account the Environmental, Social, and Governance factors of an organization. How a company affects the environment, how it treats its employees and communities, and how leadership governs the organization all contribute to a company’s ESG profile. But from a financial standpoint, are these initiatives really worth the hype?

In this episode, Malcolm Ethridge sits down with Daniel Naim, founder and CEO of Fennel, an ESG investing platform created to empower retail investors with the knowledge required to advance the “engaged shareholder movement”. Daniel shares how after beginning his own personal investing journey, he observed the ways in which traditional investment platform models fail to encourage the alignment of customer and company values. Daniel shares the key ESG metrics he believes investors should pay attention to, as well his personal mission to promote shareholder activism across the industry.

Daniel Naim discusses:

The importance of voting your shares as an investor
How to look underneath the hood and find a company’s true social and environmental impact
Ways that retail investors can come together to help force companies to become more environmentally conscious
The lesser known dangers of payment for order flow and securities lending

Connect With Daniel:

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About Our Guest:

Daniel Naim is a physics PhD who grew up in Beirut Lebanon and went to university at Berkeley. He is intent on making the world a better place.He also developed an anti-neutrino detector that could be used to measure the plutonium production of nuclear reactors from over 100 miles away. This detector simultaneously pushed the frontier of dark matter detection in the WIMP candidate space by over 3 orders of magnitude.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Understanding Your Investor Personality with Chris Hill

Wed, 25 Jan 2023 12:00:00 -0000

In this episode, Malcolm Ethridge sits down with friend of the show, Chris Hill, to discuss ways to identify and develop your own investor personality. Chris reflects on some of his best and worst investing decisions over the years. And the pair share some of their own rules for determining which stocks to buy and when.

Chris Hill discusses:

The difference between being a value or growth investor
How to determine when it’s time to buy or sell a stock
The importance of dividends and whether you consider a stock that doesn’t offer one
How his investing preferences have changed as he has gotten older and become a more experienced investor

Resources:

Quartr Insights

Connect With Chris Hill:

Connect With Malcolm Ethridge:

About Our Guest:

Chris Hill hosts "Motley Fool Money", a daily podcast. He also oversees The Motley Fool's growing network of podcasts and audio programming. A graduate of Boston College and The American University, Chris lives and works in Alexandria, Virginia.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Managing Financial Regret with Aja Evans

Wed, 18 Jan 2023 12:00:00 -0000

According to a recent survey conducted by Bankrate dot com, Americans’ biggest financial regret is not saving enough for emergencies. In fact, 20% of respondents gave this answer - even topping the reigning top response related to saving too little for retirement. And when broken down further, older millennials (36 percent) were more than twice as likely than baby boomers (14 percent) to say they regret not having a strong enough emergency fund. And when asked what they intend to do with their money going forward, 26% of respondents said they will save more for emergencies, while another 21% said they will spend less.

Of course, this poll was administered in the shadow of the Covid-19 pandemic and all of the financial disruption that has come along with it. But it got my attention that when asked about financial regrets, the answer had nothing to do with saving for the long term. It was about the here and now.

In this episode, Malcolm sits down with Aja Evans, a Licensed Mental Health Counselor who specializes in financial therapy, to discuss the concept of financial regret, how to recognize it when you feel it, and how to move past it once you do. Aja and Malcolm share some of their own personal stories, and Aja remembers the very moment she realized she wanted to work with people to take control of their emotions around money.

Aja Evans discusses:

Why it is so difficult for us to talk about money in an open and honest setting with friends and family
The importance of focusing on your own financial situation rather than comparing yourself to others
How to go a few layers deep and identify the true reason for the feelings we have about our money
Some exercises she recommends to clients to help them identify them moments when they feel anxious about money

Connect with Aja Evans:

About the Guest:

Aja Evans is a Licensed Mental Health Counselor who specializes in financial therapy. She likes to say that she is on a mission to get more individuals engaged in living their best life, while attuning to their thoughts, feelings, and behaviors around money. In January 2015, she launched Aja Evans Counseling, a New York-based financial therapy practice where she supports clients to begin working towards a better version of themselves. In addition to her work as a financial therapist, Aja is a speaker, writer, and fintech consultant, focusing on the intersection of mental health and money. She believes that whether you are struggling with anxiety, self-esteem, relationships, or regret, gaining control of your finances will help you live the life you want.

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Tech Money Podcast: The Importance of Managing Your Own Personal Finances as a Founder

Wed, 23 Nov 2022 20:40:00 -0000

As a founder, it can be challenging to know when to make the shift from pouring every dollar you have into getting your startup off the ground to taking a few chips off the table to eventually paying yourself first. However, every business owner should begin to separate their own personal finances from the business as soon as possible for a few different reasons.

In this episode, Malcolm Ethridge sits down to discuss best financial practices for founders and how to know when it is time to begin to allocate your revenue to more personal goals. Malcolm runs through tools and tricks to grow your business and build sustainable financial habits for you and your business.

Malcolm discusses:

How to invest in your own business and build funds for your long-term goals
Counterbalancing your business’s high burn rate with low personal expenses

Reinvesting extra cash flow into retirement and diverse investments

Protecting what you have built and your loved ones through insurance

Connect With Malcolm Ethridge:

The Tech Money Podcast

LinkedIn: Malcolm Ethridge

Connect with Malcolm

@MalcolmOnMoney

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Tech Money Podcast: The Importance of Knowing Your Numbers as a Founder with Jason Ray

Wed, 16 Nov 2022 10:00:00 -0000

For startups, investors often put a lot of emphasis on cap tables. They want to see a diluted picture of equity ownership among you as a founder, any co-founders or partners, early investors, and key employees before they’ll seriously consider handing over a check to invest themselves in your company. That’s because a healthy cap table illustrates not only your business’s potential for growth in the future, but also communicates to your investors just how solid your judgment is as a CEO.

In this episode, Malcolm Ethridge speaks with Jason Ray about how to tell a compelling story to potential investors. Jason shares why investing in what matters to you as a business owner and to your business doesn’t always sacrifice an investment return, and how it can help attract investors who are interested in your cause. He also dives into why it’s important to know your key performance indicators from the very beginning, why some businesses are hesitant to take loans and how that can prevent them from growing, and what goes into good financial modeling and forecasting.

Jason discusses:

Why investing in ESG doesn’t necessarily mean sacrificing investment returns
Why it’s important to get yourself in gear from the very beginning as a business owner and be prepared for a potential investor
How a lack of experience with taking out loans and knowing how much they need creates hesitancy, and how that hesitancy can become a hurdle for business growth
What goes into good financial modeling and forecasting

Resources:

Survival of the City by Edward Glaeser and David Cutler

Connect With Jason Ray:

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About Our Guest:

Jason founded Zenith Solutions to deliver accessible, high-quality financial education and advice to individuals and institutions. His work is inspired by racial and age wealth inequality that exists in society.

Prior to founding Zenith, Jason helped renovate a longstanding independent wealth advisory firm, Carnegie Wealth Management, by building new technology, private placement structures, and research capabilities. He delivered investment advice and financial plans to families with a net worth upwards of $10M. Earlier in his career, Jason also gained extensive experience evaluating and creating solutions for financial advisors at Lincoln Financial and FS Investments.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Estate Planning for Concentrated Equity Positions with Aaron Rubin

Wed, 09 Nov 2022 16:00:00 -0000

Though it may seem like a very distant and high-class problem that only the super-wealthy among us will ever have to contend with, for many tech workers who have accumulated a significant sized stake in their employer, it is not unlikely that estate taxes are something they will have to consider as a part of their overall financial plan. In fact, with the number of bills currently floating around the halls of Congress with the intention to increase tax revenue by lowering the estate and gift tax thresholds, there could be significantly more Americans who will be impacted by this “problem” soon enough.

In this episode, Malcolm Ethridge speaks with Aaron Rubin, a partner at Werba Papier, about some of the lesser-known estate planning challenges facing those with concentrated equity positions. Aaron also shares some of the more common mistakes he sees clients make prior to and immediately following an IPO that could be avoided with proper planning.

Aaron discusses:

How to design a plan that keeps more of your money in your pocket and out of the hands of the IRS
The interesting and unique things he has seen people do following an IPO
Who should be concerned about qualified small business stock
What an intentionally defective trust is and how to apply it
And more

Resources:

Connect With Aaron Rubin:

LinkedIn: Aaron Rubin

Connect With Malcolm Ethridge:

About Our Guest:

Aaron Rubin is a partner at Werba Papier, a wealth management firm that caters to pre-IPO executives and early employees. Prior to his current firm, Aaron spent time at Deloitte where he worked on trust and estates and honed his skills in their private client advisory. He also received his JD from the University of Illinois. In 2019, he published Financial Adulting, a guide to help young professionals navigate the challenges of taxes and investments in estate planning.

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Tech Money Podcast: The Ins and Outs of Crypto Taxes with Micah Fraim

Wed, 02 Nov 2022 20:33:00 -0000

As anyone who has ever bought and sold any sort of digital asset in the last couple years can attest, the rules and regulations around reporting those transactions to the IRS can be very fuzzy. Coupled with the lack of information made available by the IRS itself, and the lack of general knowledge and adoption of crypto by the accounting community, it can be very tough for investors to make heads or tails of it all.

At best, you manage to stumble across a couple of really helpful twitter posts or youtube explainer videos offering solid tidbits of information that may or may not be directly applicable to your individual circumstances. But at worst, you make a mistake in reporting your transactions in one year, that ultimately opens up your returns from previous years to scrutiny, and you find yourself in the middle of a full-blown audit with no idea how you got there.

In this episode, Malcolm Ethridge speaks with Micah Fraim, CPA and crypto enthusiast, about the taxation of crypto. Micah shares his knowledge about how crypto and NFTs are taxed, how to save money on taxes when investing in crypto, why you should stay up to date on the ever-changing IRS taxation policies about crypto, and how to track activity across multiple digital wallets without using a platform like Coinbase.

Micah discusses:

How crypto and NFT trades are taxed today
How to take advantage of the current crypto winter to save on taxes
Why he is such a fan of cryptos and their future long-term
Some recommendations for how to tack crypto activity and keep good records across multiple digital wallets
And more

Resources:

Decrypting Crypto Taxes by Micah Fraim
Decrypting Crypto Taxes by Micah Fraim – Free Download
Law360.com
Koinly.io
CoinTracker.io
CoinTracking.info

Connect With Micah Fraim:

Connect With Malcolm Ethridge:

About Our Guest:

Micah Fraim is the founder of Fraim Cawley & Company. Micah is a certified public accountant who works with small business owners on preparing tax returns and offers more advanced tax planning. In addition, he is also a self-proclaimed crypto enthusiast and has recently published the book, Decryptifying Crypto Taxes.

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Tech Money Podcast: Stock Options Trading 101 with Todd Rampe

Wed, 26 Oct 2022 10:00:00 -0000

A stock option is the right to buy a specific number of shares of either a stock or an index at a preset price. These options allow traders to speculate on the directional performance of a stock or index without owning the shares outright. For better or worse, options trading has now been democratized and made available to just about anyone, regardless of their individual risk tolerance, risk capacity, and overall understanding of the inner workings of options contracts.

In this episode, Malcolm Ethridge speaks with Todd Rampe, author of “Get Paid, Learn To Trade” and founder of the Wealth Builders Institute. Todd is a trading educator who teaches individuals how to trade options using the software he built. He shares the advantages of trading options, what dollar amount makes trading options worth the benefit, why he chooses to teach people instead of selling his software, and what his 3 golden rules of options trading are.

Todd discusses:

The advantages to trading options rather than owning the underlying stock outright
The point where someone can afford to trade options, and what amount won’t result in enough of a benefit
Why he chooses to teach people how to trade options instead of selling his software to them
What his 3 golden rules of options trading are
And more

Resources:

Get Paid Learn To Trade by Todd Rampe – ebook

Connect With Todd Rampe:

Connect With Malcolm Ethridge:

About Our Guest:

Todd Rampe is the founder of the Wealth Builders Institute in Las Vegas, NV. Todd Rampe is one of the very few trading educators that actually trades his own account using the exact method he teaches both new and experienced traders. The secret to his success lies in his proprietary software, Triple Sync Logic. Using this unique software allows Todd and his students to spot Market Reversals, which are widely considered to be the single best time to enter a trade, because, at that stage, you will get in the trade right before the price changes direction.

Todd was very fortunate to learn how to trade in 1998, from someone he calls his “7-Figure Mentor,” because of how successful his mentor was, and of course, the amount of money he made. So, after well over 2 decades of trading, developing software and the methods that go with them, Todd is able to teach virtually anyone how to use his incredibly dependable Triple Sync Software, regardless of their experience. Todd Rampe built the Wealth Builders Institute to ensure that anyone that wants to learn to trade effectively, will have the best possible tools and knowledge at their fingertips, to accomplish that goal, in a very short period of time.

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Tech Money Podcast: The Importance of Mentorship as a Founder with Ron Bauer

Wed, 19 Oct 2022 10:00:00 -0000

In the simplest terms, a mentor is anyone who possesses more experience and knowledge than you in a given industry. They have skills you want to master in order to thrive. And you’d rather lean on their experience and expertise and learn from their mistakes, rather than having to go and make those same mistakes on your own.

Entrepreneurs need mentors especially, and perhaps more than other professionals, simply because it is nearly impossible to formally teach entrepreneurship in any controlled setting. There are just too many variables that will inevitably change from entrepreneur to entrepreneur and business to business.

In this episode, Malcolm Ethridge speaks with Ron Bauer, a venture capitalist and the founder of Theseus Capital, about the role mentorship plays in the success of a startup founder. Ron shares his roadmap to success for entrepreneurs, talks about mentoring entrepreneurs, and how founders can find the right mentor for the right moment.

Ron discusses:

How he applies a hands-on, academic methodology to the way he invests, and his hands-on approach to mentoring his entrepreneurs
His roadmap to success for startup founders
How to be proactive in the current market and how long he anticipates it lasting
How to find the right mentor for what you need at the moment
Why you should do something you enjoy and not focus solely on doing something to make money

Connect With Ron Bauer:

Connect With Malcolm Ethridge:

About Our Guest:

Ron Bauer is a venture capitalist and entrepreneur with over 20 years of financing businesses. He is focused on the Life Sciences, Technology, EdTech, and Natural Resources sectors, where he has created a number of exciting ventures side by side with some of the world’s leading entrepreneurs and scientists, as well as world-class academic institutions that include Oxford, Cambridge, Stanford, Cornell, and Hebrew University to name a few. He is the Founder of Theseus Capital Ltd, the family office investment vehicle for his portfolio companies.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: The Importance of Building Your Network in Real Life with Nick Gray

Wed, 12 Oct 2022 10:00:00 -0000

We’ve all heard the popular saying “it’s not what you know, but who you know.” But when you hear the word “networking,” how many of the feelings that start to bubble up are negative ones, such as anxiety, discomfort, and maybe even fear? And that word can be especially triggering for those who consider themselves introverts.

And while there have been several social media platforms and other tech tools built over the last couple decades designed to help make networking and building relationships easier for both introverts and extroverts alike, there will never be any true substitute for the authentic human connection felt by sharing a meal together face-to-face.

In this episode, Malcolm Ethridge speaks with Nick Gray, the author of The Two Hour Cocktail Party, about how to build big relationships by hosting small gatherings. Nick shares his secret formula for becoming the best host, how to become a natural conversationalist, why networking in person is better than online, and some advice on how and when to host.

Nick discusses:

How to become a natural conversationalist
Why it’s important to lead conversations with authentic excitement and energy about your passions and interests
Why networking in person leads to better relationships than online
Why you should host a small gathering instead of meeting for drinks
And more

Resources:

The Two Hour Cocktail Party by Nick Gray
Join Nick’s Friends Newsletter
Never Eat Alone by Keith Ferrazzi
50. Creating A Plan For Your Restricted Stock Units

Connect With Nick Gray:

Connect With Malcolm Ethridge:

About Our Guest:

Nick Gray is the founder and owner of Museum Hack. After growing it into a multi-million dollar business and being featured in a TEDx talk, he sold Museum Hack. Nick published The Two Hour Cocktail Party, sharing his formula for growing big relationships by hosting small gatherings. He also writes a popular newsletter for business owners and entrepreneurs called “Friends Newsletter,” because he originally wrote it just for his friends.

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Tech Money Podcast: Incorporating Precious Metals Into Your Diversified Portfolio With Patrick Yip

Wed, 05 Oct 2022 10:00:00 -0000

Historically, gold and other precious metals have been how we trade with one another across borders and globally. Gold bars were the original store value before there was such a thing as the US dollar. The gold standard was so consistent in its ability to maintain its value through varying economic cycles that we backed up our dollars with it. Incorporating precious metals into a diversified portfolio as a hedge against the volatility in both the stock and bond markets sounds like a good idea.

In this episode, Malcolm Ethridge speaks with Patrick Yip from APMEX about diversifying investment portfolios with precious metals. Patrick explains why precious metals are a favorable investment during hyperinflation and why so many Americans continue to put their money toward gold and silver despite the approaching cashless society. Patrick then discusses how his company, OneGold, allows people to invest in gold and silver effortlessly through their credit card rewards.

Patrick discusses:

The types of precious metals APMEX sells and the various forms they are available in.
Why Americans should own and invest in precious metals in a time of hyperinflation
Why do Americans continue to invest in precious metals, even though we’re approaching a cashless society
How OneGold’s credit card lets you earn rewards in the form of gold and silver, rather than points or cash-back
And more

Resources:

Connect With Patrick Yip:

Connect With Malcolm Ethridge:

About Our Guest:

Patrick Yip is the Director of Business Development at APMEX, and currently manages One Gold, a digital precious metal platform. Mr. Yip joined APMEX in 2011 and held roles in merchandising, sales, project management, and business development. Before APMEX, Patrick worked for asset management companies, and at Fortune 500s, such as Disney and Twentieth Century Fox.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Using Technology to Accelerate Your Influence as a Founder with Mark Lachance

Wed, 28 Sep 2022 10:00:00 -0000

One of the biggest problems that need to be solved almost immediately after launch is making some noise to let the public know you and your product or service exist. If not, no matter how good that product or service is, you likely won’t be in business for very long. And as daunting as it might sound, blitzscaling your content creation can be done; especially with the use of social media.

In this episode, Malcolm Ethridge sits down with Mark Lachance, CEO of Maxy Media, and author of “The Lucky Formula.” Mark gives us the critical takeaway about how you can create your own luck through creating magnetism. He also explains his work in blitzscaling businesses by adopting social media; emphasizing why every business should prioritize content creation.

Mark discusses:

The types of businesses he has scaled and why he keeps coming back for more
The key takeaway from his experiences with stacking odds in his favor by building magnetism
How to make your own luck in business
Why it’s important to blitzscale your business’ influence with diversification across social media and marketing platforms
And more

Resources:

Connect With March Lachance:

Connect With Malcolm Ethridge:

Download the Tech Money Guide to RSUs

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Making Room for Your Startup In A Crowded Space With Desmond Wiggan

Wed, 21 Sep 2022 21:31:00 -0000

For those who have thought of an idea for a tech startup in a crowded space, it can be tempting to think that your idea must be completely brand new and inventive. Especially when you consider the seemingly ubiquitous announcements that so-and-so big name venture capital investor has chosen to back so-and-so startup looking to go where no one has gone before, which tend to dominate the headlines. However, if done right, there can also be room for those who have built a better mouse trap to enter into a crowded space and make a name for themselves.

In this episode, Malcolm Ethridge sits down with the CEO and co-founder of Battery Xchange, Desmond Wiggan, to discuss what it was like starting his own tech company, a few of the hurdles he has encountered along the way, and how one small tweak to their target market has made a big impact on their success.

Desmond discusses:

What it was like building a tech company in North Carolina and the importance of starting where you are
How the idea for Battery Xchange came out of necessity while he was on a work trip overseas
What it’s like being a third-generation entrepreneur
Why Battery Xchange ultimately pivoted its focus from restaurants and bars to universities and sports venues
And more

Resources:

50. Creating A Plan For Your Restricted Stock Units

Connect With Desmond Wiggan:

Connect With Malcolm Ethridge:

About Our Guest:

Desmond Wiggan is the CEO and co-founder of Battery Xchange, a sharing economy platform providing device charging on the go. Prior to founding Battery Xchange, Desmond spent time as an account manager for Pepsi corporate and spent time as a cross-border technology consultant working in Guanxi. He is a highly motivated innovator who aspires to emulate leaders, such as the Rockefellers and the Carnegies for his generation. During Desmond’s early career in cross-border technology, he learned the importance of relationships and networking, which has now made him a relationship seeker and networking junky. He wishes to leave a legacy for himself and his family. Demond’s goal is to gain as much exposure, experience, and knowledge as he can.

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Tech Money Podcast: The Evolution Of Contactless Payments With Aaron Wollner

Wed, 14 Sep 2022 16:00:00 -0000

The banking and payments industry is in a period of rapid change, with new technologies and services emerging all the time. It can be hard to keep up. In this episode, Malcolm Ethridge speaks with Aaron Wollner, the Chief Marketing Officer of Quontic. They discuss how Quontic is changing the narrative of traditional banking by … Continue reading 53. The Evolution Of Contactless Payments With Aaron Wollner →

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Tax Planning vs Tax Preparation with Christina Lael

Wed, 07 Sep 2022 16:00:00 -0000

While they may sound like the same thing to those outside of the financial services profession, there are several key differences between the terms tax planning, and tax preparation. In short, one takes place once per year and is more transactional in nature, while the other likely happens multiple times each year in stages and … Continue reading 52. Tax Planning vs Tax Preparation with Christina Lael →

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Managing Your Finances as a Woman Working in Tech with Danika Waddell

Wed, 31 Aug 2022 16:00:00 -0000

Women in tech often face unique financial planning challenges that are not usually taken into account by traditional financial advice firms or FinTech solutions. For women working in tech, it can be hard to find a financial planner who understands the nuances of the gender pay gap and its limits on taking risks, the need … Continue reading 51. Managing Your Finances as a Woman Working in Tech with Danika Waddell →

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Creating A Plan For Your Restricted Stock Units

Wed, 24 Aug 2022 16:00:00 -0000

If you are a person who is paid in restricted stock units each year, it’s important that you develop a plan for how and when you will convert those shares into actual dollars well before they actually vest. Doing so will help to ensure that no matter what direction the markets move over time, you … Continue reading 50. Creating A Plan For Your Restricted Stock Units →

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Using Technology To Improve Charitable Giving With Adam Nash

Wed, 17 Aug 2022 10:00:00 -0000

A donor advised fund is simply a type of brokerage account, where contributions to it are specifically earmarked for charitable giving. And in exchange, the IRS allows you to realize the entirety of the donation in the year it is made; regardless of how many years it might take you to actually distribute those dollars … Continue reading 49. Using Technology To Improve Charitable Giving With Adam Nash →

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Tech Money Podcast: Protecting and Profiting from Your Intellectual Property with Toni Moore

Wed, 10 Aug 2022 16:00:00 -0000

How many times have you had an idea for something that you thought should exist in the world, but never actually pursued the thought much further than that initial moment of inspiration, only to see someone else promoting that very same product on Instagram a few months later, and all you could do was kick … Continue reading 48. Protecting and Profiting from Your Intellectual Property with Toni Moore →

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Using Technology to Land Travel Deals on a Budget with Alex Simon

Wed, 03 Aug 2022 16:00:00 -0000

If there’s one thing we all have in common, regardless of age, gender, profession, or socio-economic status, it’s a good deal. And one thing many of us love to be able to say that we got a good deal on is travel. In fact, some of us love to brag about the deal we received … Continue reading 47. Using Technology to Land Travel Deals on a Budget with Alex Simon →

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: How to Plan for a Financial Windfall with Susan Bradley

Wed, 20 Jul 2022 10:00:00 -0000

Receiving a financial windfall, such as winning the lottery, may seem glamorous to those of us who never have. Still, even if half of the news articles or TV shows covering lottery winners are accurate, it may not be all that it’s cracked up to be. While winning the lottery is a bit of a … Continue reading 46. How to Plan for a Financial Windfall with Susan Bradley →

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: The Positives Of The Great Resignation with Matthieu Silberstein

Wed, 13 Jul 2022 10:00:00 -0000

The Great Resignation may have tipped the scales, but the underlying sentiment of dissatisfaction among workers of all ages and demographics, representing companies and industries across the board, had been brewing underneath the surface for some time. Whether it’s the multiple attempts to unionize, rallies and protests outside of corporate headquarters, or the class action … Continue reading 45. The Positives Of The Great Resignation with Matthieu Silberstein →

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: How To Know When To Pivot With Donald Boone

Wed, 29 Jun 2022 16:00:00 -0000

You’ll often hear about companies and their founders who made the decision to pivot from their initial big idea that wasn’t quite working right, to something else that ended up being the best thing that ever happened to them. Take Facebook for instance, which got its start as a silly website used by college kids … Continue reading 44. How To Know When To Pivot With Donald Boone →

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: Keeping Younger Investors Engaged with Seth Wunder

Wed, 22 Jun 2022 10:00:00 -0000

Following the bursting of the dot com bubble in 2000 that stretched all the way into 2002, the American public developed this feeling that the stock market was rigged against them. And considering how many company insiders and those in the know on Wall Street were revealed to have been selling at a time when … Continue reading

43. Keeping Younger Investors Engaged with Seth Wunder

→

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

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Tech Money Podcast: How To Negotiate For Better Compensation with Kwame Christian

Wed, 15 Jun 2022 16:00:00 -0000

In the past couple of years, much has been made of the so-called Great Resignation, and workers of all ages, demographics, and geography leaving their company for greener pastures, in the form of a substantial raise, signing bonus, and maybe even a better equity package. But with all of the noise that has been made … Continue reading

42. How To Negotiate For Better Compensation with Kwame Christian

→

Mentioned in this episode:

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Tech Money Podcast: African-Americans’ Contribution to the Modern Internet (Part 2) with Albert White

Wed, 01 Jun 2022 10:00:00 -0000

***We’re bringing you part two of Malcolm’s conversation with Mr. Albert E. White about African-Americans’ lesser known contributions to the modern internet. *** Through the years, a small handful of individuals have all taken credit for bringing us what we know as the modern internet. However, it is possible for more than one of those … Continue reading

41. African-Americans’ Contribution to the Modern Internet (Part 2) with Albert White

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Tech Money Podcast: African Americans’ Contributions to the Modern Internet (Part 1) with Albert E. White

Thu, 26 May 2022 10:00:00 -0000

Through the years, a small handful of individuals have all taken credit for bringing us what we know as the modern internet. However, it is possible for more than one of those stories to be accurate, as the modern internet is the combination of several simultaneous discoveries made by a few pioneers, alliterating on the … Continue reading

40. African Americans’ Contributions to the Modern Internet (Part 1) with Albert E. White

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Tech Money Podcast: What Happens To Your Equity When Your Company Goes Private

Wed, 18 May 2022 16:00:00 -0000

Unless you’ve been living under a rock, by now you have certainly heard about Elon Musk’s plans to buy Twitter and take it from a public company to a private one. Oftentimes, there are many things that will change when a company goes private. And that is especially true with it comes to existing shareholders. … Continue reading

39. What Happens To Your Equity When Your Company Goes Private

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Tech Money Podcast: Developing Passive Investment Income as a Tech Professional with Christopher Nelson

Wed, 04 May 2022 10:00:00 -0000

Tech professionals are some of the best paid and most in-demand workers around the globe. And in exchange for that great pay and other incentives, it is not uncommon to log back-to-back (to back to back to back) 50, 60, or even 75-hour work weeks; ultimately leading to a burnout. One of the ways to … Continue reading

38. Developing Passive Investment Income as a Tech Professional with Christopher Nelson

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Tech Money Podcast: Finding Liquidity for Your Illiquid Shares with Vieje Piauwasdy

Wed, 27 Apr 2022 10:00:00 -0000

If you’ve ever worked for a startup, then you know it can feel a bit like watching paint dry, waiting for the company to reach its light at the end of the tunnel, going public, and allowing you to finally cash in on all of your hard work and contribution. In many cases, it can … Continue reading

37. Finding Liquidity for Your Illiquid Shares with Vieje Piauwasdy

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Tech Money Podcast: Taking the Emotion Out of Investing with Daniel Crosby

Wed, 20 Apr 2022 10:00:00 -0000

The underlying theme of the stock market and the way it functions is that we are all rational actors in a rational world, acting on the very same publicly available information at the very same time. But the reality is that we are all irrational beings, living in an irrational world. We frequently do things … Continue reading

36. Taking the Emotion Out of Investing with Daniel Crosby

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Tech Money Podcast: Common Tax Pitfalls to Avoid When Managing Your Equity with Daniel Hodgin

Wed, 06 Apr 2022 16:00:00 -0000

When it comes to your equity, every decision, whether it’s to do something with your shares, or to do nothing at all, comes with a tax consequence. But sometimes, the consequences of that action or inaction, are less obvious, until it’s a year later, the tax bill is due, and you have no idea how …

Continue reading 35. Common Tax Pitfalls to Avoid When Managing Your Equity with Daniel Hodgin →

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Tech Money Podcast: The Importance of Negotiating Your Equity with Brooke Harley

Wed, 30 Mar 2022 16:00:00 -0000

Unsure whether and how to ask for more equity when negotiating your new compensation package? The 30 minutes you spend negotiating your new employment agreement could change the course of your entire future, and negotiating for more equity can be the driving force for that change. In this episode, Malcolm Ethridge sits down with Brooke … Continue reading 34. The Importance of Negotiating Your Equity with Brooke Harley →

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Tech Money Podcast: LatinX Representation in Tech and Venture Capital with Cheryl Campos

Wed, 23 Mar 2022 15:00:00 -0000

Less than 1% of all professionals working in venture capital today identify as LatinX, and only 1.2% of LatinX founders had access to or received VC funding in the last year. However, there are several leaders in the finance and tech communities actively working to change that. In this episode, Malcolm Ethridge sits down with … Continue reading 33. LatinX Representation in Tech and Venture Capital with Cheryl Campos →

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Tech Money Podcast: Talking to Your Family About Money with Amy Castoro

Wed, 16 Mar 2022 16:00:00 -0000

We’ve all heard the statistics and read the articles about the pro athlete or entertainer who lived a life of luxury for years, spent money freely, gave it away, didn’t respect it, and then one day, they were no longer at the height of their fame and success, the dollars stopped coming in, and they … Continue reading 32. Talking to Your Family About Money with Amy Castoro →

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Tech Money Podcast: Are NFTs a Fad or the Future? with Jesse Krieger

Wed, 02 Mar 2022 16:00:00 -0000

Not that long ago, we were all trying to wrap our collective heads around this thing called Bitcoin and how it was promising to revolutionize the way we all pay for goods and services. And now, before we’ve really even come to a consensus on whether cryptocurrencies are a digital currency, a store of value, … Continue reading 31. Are NFTs a Fad or the Future? with Jesse Krieger →

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Tech Money Podcast: Cultivating the Next Generation of Black Tech Leaders With Clinton Browning

Wed, 16 Feb 2022 16:00:00 -0000

Traditionally, companies source their executive teams and boards of directors solely through their existing networks of employees, investors, friends or family. This tends to lead to companies being led by groups who are not very reflective of their workforce or customer base. In this episode, Malcolm Ethridge sits down with Clinton Browning, partner and Head … Continue reading 29. Cultivating the Next Generation of Black Tech Leaders With Clinton Browning →

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Tech Money Podcast: Malcolm’s 10 Financial Commandments

Wed, 02 Feb 2022 15:00:00 -0000

There is no shortage of thoughts and opinions out there when it comes to managing your personal finances and making smart money moves. However, not all financial advice is created equal. Some is meant to entertain, some is meant to inspire, and some is meant to educate. In this episode, Malcolm Ethridge rips a few … Continue reading 28. Malcolm’s 10 Financial Commandments →

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Tech Money Podcast: Non-Traditional Ways to Fund Your Startup with Doll Lank

Wed, 26 Jan 2022 16:00:00 -0000

Are you considering launching a start-up but unsure how you’ll come up with the funding? Are you currently looking at options to bring to life the next stage of your business and grow? A ROBS transaction might be the answer you’ve been looking for. In this episode Malcolm Ethridge sits down with Doll Lank, partner … Continue reading 27. Non-Traditional Ways to Fund Your Startup with Doll Lank →

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Tech Money Podcast: Teaching Financial Literacy Through Technology with Evan Leaphart

Wed, 19 Jan 2022 16:00:00 -0000

Your credit is important, and it is something that is going to either propel you toward or hold you back from financial independence. So why is that so many people know next to nothing about how credit scores work? In this episode, Malcolm Ethridge sits down with Evan Leaphart, founder of Kiddie Kredit, to discuss … Continue reading 26. Teaching Financial Literacy Through Technology with Evan Leaphart →

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Tech Money Podcast: Is it Possible to Qualify for a New Mortgage as a Retiree?

Wed, 15 Dec 2021 17:15:00 -0000

When a person retires, conventional wisdom tells us that since they no longer have an income, there’s no way they can pay back a loan – and thus, no bank would be willing to offer them a mortgage. But is that always the case when it comes to purchasing a home? On this episode of … Continue reading [Bonus Episode] Office Hours: Is it Possible to Qualify for a New Mortgage as a Retiree? →

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Tech Money Podcast: The Advantages (and Disadvantages) of Refinancing Your Home’s Mortgage

Wed, 15 Dec 2021 17:05:00 -0000

These days, not only are we experiencing record low interest rates, we are also seeing home prices that are constantly on the rise. And this has created a perfect storm for people wanting to refinance their mortgage – for a number of reasons. Although it is obvious to mortgage professionals the reasons why you might … Continue reading [Bonus Episode] Office Hours: The Advantages (and Disadvantages) of Refinancing Your Home’s Mortgage →

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Tech Money Podcast: The Difference Between Borrowing to Buy a Primary Residence vs a Second Home

Wed, 15 Dec 2021 17:00:00 -0000

Recently, you too may have experienced the feeling that everyone else but you has a beach house. And you may be wondering how it’s possible that the people you know can afford to purchase a beach house while they’re still paying off the mortgage on the house they live in currently. On this episode of … Continue reading [Bonus Episode] Office Hours: The Difference Between Borrowing to Buy a Primary Residence vs a Second Home →

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Tech Money Podcast: Using Gift Funds from a relative to Help Qualify for a Mortgage

Wed, 01 Dec 2021 17:20:00 -0000

Typically, when a person is applying for a new loan, they will be asked to provide statements from any bank accounts or investments as a means to show the lender where their down payment will come from when it’s time to close on the loan. And although it may seem simple that a person may … Continue reading [Bonus Episode] Office Hours: Using Gift Funds from a relative to Help Qualify for a Mortgage →

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Tech Money Podcast: What are Non-Traditional Mortgages and Who are They a Good Fit For?

Wed, 01 Dec 2021 17:10:00 -0000

A non-traditional mortgage is defined as any mortgage that does not qualify as standard or conventional, or conform to a standard amortization schedule. Such as an adjustable rate mortgage, an interest only mortgage, a balloon payment, etc. And although these loans typically have higher interest rates to reflect the additional risks for the lender, they … Continue reading [Bonus Episode] Office Hours: What are Non-Traditional Mortgages and Who are They a Good Fit For? →

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Tech Money Podcast: What Happens When You Need to Buy a New House Before You Can Sell the One You’re Living In?

Wed, 01 Dec 2021 17:10:00 -0000

With some folks still looking to get out of city centers and move into single family homes with more space to stretch out, it’s not uncommon to need to carry two mortgages for a short time while moving from the old house to the new one, then getting the old house sold to pay off … Continue reading [Bonus Episode] Office Hours: What Happens When You Need to Buy a New House Before You Can Sell the One You’re Living In? →

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Tech Money Podcast: Can You Include Cash for Renovations Into Your Loan if You’re Buying a Fixer Upper?

Wed, 01 Dec 2021 17:05:00 -0000

In this competitive market, buyers are having to be flexible in what they want and are willing to accept in their new homes. That house with the worn floors or dated bathroom that may have been a disqualifier in years past is now receiving multiple competing offers from buyers looking to escape the city center … Continue reading [Bonus Episode] Office Hours: Can You Include Cash for Renovations Into Your Loan if You’re Buying a Fixer Upper? →

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Tech Money Podcast: Can I Qualify for a New Mortgage as a Small Business Owner?

Wed, 01 Dec 2021 17:05:00 -0000

As a small business owner, it can be challenging to prove to a lender that you are a safe enough credit risk to lend hundreds of thousands of dollars to. However, that is not to say it is impossible. For most small business owners, the mortgage process just comes down to properly establishing yourself on … Continue reading [Bonus Episode] Office Hours: Can I Qualify for a New Mortgage as a Small Business Owner? →

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Tech Money Podcast: Untapped Career Opportunities in Technical Sales with Ryan Jones

Wed, 24 Nov 2021 15:00:00 -0000

In a sales role, you are responsible for your own success. You get the opportunity to make your own schedule, meet interesting people and travel to new places. However, a role in sales might not always be easy. In this episode, Malcolm Ethridge is joined by Ryan Jones, enterprise sales director for Microsoft, as they … Continue reading 25. Untapped Career Opportunities in Technical Sales with Ryan Jones →

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Tech Money Podcast: Founding a Tech Company with a Background as a Marketer with Hassan Riggs

Wed, 10 Nov 2021 16:00:00 -0000

When you think of the founder of a tech company, your mind tends to immediately picture an engineer in a hoodie hunched over a laptop coding into the wee hours of the night. But for the founders of some of the largest tech companies that you know and love, this isn’t the case. It is … Continue reading 24. Founding a Tech Company with a Background as a Marketer with Hassan Riggs →

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Tech Money Podcast: Closing The Gender Pay Gap in Equity Compensation with Brooke Harley

Wed, 27 Oct 2021 16:00:00 -0000

According to a study by Rutgers Institute, 24% of male employees hold employer stock options while only 17% of female employees do. Looking at it from a dollars and cents perspective, in 2018, the average value of a stock option for a male employee was $104,902 compared to $26,361 for a woman. These staggering numbers … Continue reading

23. The Gender Pay Gap Around Equity Compensation with Brooke Harley

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Tech Money Podcast: Answering Your Questions

Wed, 13 Oct 2021 16:00:00 -0000

We have been at this podcast for a while now, and are constantly bringing you new topics that relate to your personal finances. With that, comes a lot of listener questions; we are sure that there are lots of people who are questioning the same things. We encourage you to send in your questions and … Continue reading 22. Answering Your Questions →

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Tech Money Podcast: Accessing the Value of Your Concentrated Stock Position with Anthony LoBalbo

Wed, 29 Sep 2021 16:00:00 -0000

There are ways that you can access the value of your concentrated stock positions and avoid the huge tax bill. In this episode, Malcolm Ethridge sits down with Anthony LoBalbo, regional manager with Schwab Bank, as they discuss the securities backed line of credit. Malcolm and Anthony discuss how it works and how you could … Continue reading 21. Accessing the Value of Your Concentrated Stock Position with Anthony LoBalbo →

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Tech Money Podcast: Managing the Tax Implications of Your Employer Stock and Options with Megan Gorman

Wed, 15 Sep 2021 16:00:00 -0000

Taxes are something that we will never be able to fully avoid, so it is imperative that we understand how they are going to impact all aspects of our finances, and prepare to manage them to pay as little as possible. In this episode, Malcolm Ethridge is joined by Megan Gorman, founder and managing partner … Continue reading 20. Managing the Tax Implications of Your Employer Stock and Options with Megan Gorman →

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Tech Money Podcast: Financial Planning Rules that Everyone With Employer Stock & Options Need to Know with Bruce Brumberg

Wed, 01 Sep 2021 16:00:00 -0000

Oftentimes, there is a significant gap between the information that companies who offer stock based comp to their employees think they are providing versus the amount of information those employees feel that they receive. And this information gap can make it hard to know which end is up. In this episode, Malcolm Ethridge is joined … Continue reading 19. Financial Planning Rules that Everyone With Employer Stock & Options Need to Know with Bruce Brumberg →

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Tech Money Podcast: The Importance of Diversification When Managing Your Employer Stock & Options with Bill Dillhoefer

Wed, 18 Aug 2021 16:00:00 -0000

Your equity compensation can have an outsized impact on your overall portfolio, so it is key to set your strategy ahead of time and find tools that will help you stick to your plan to diversify. In this episode, Malcolm Ethridge sits down with Bill Dillhoefer, CEO of Net Worth Strategies Inc, as they discuss … Continue reading 18. The Importance of Diversification When Managing Your Employer Stock & Options with Bill Dillhoefer →

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Tech Money Podcast: The Basics of Equity Compensation with Amy Reback

Wed, 04 Aug 2021 16:00:00 -0000

Navigating the world of equity compensation can be intimidating, but it doesn’t have to. As a participant in an equity compensation plan, a good place to start is by getting acquainted with your plan document and its various terms and conditions. In this episode, Malcolm Ethridge is joined by Amy Reback, head of Charles Schwab … Continue reading 17. The Basics of Equity Compensation with Amy Reback →

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Tech Money Podcast: Financial Therapy vs Financial Planning with guest Dr. Preston Cherry

Wed, 21 Jul 2021 16:00:00 -0000

Have you ever wondered why you make the financial decisions you make? Or what has influenced your relationship with money? In this episode, Malcolm Ethridge is joined by Dr. Preston Cherry, president elect of the Financial Therapy Association and founder of Concurrent Financial planning , as they unpack the key differences between financial therapy and … Continue reading 16. Financial Therapy vs Financial Planning with guest Dr. Preston Cherry →

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Tech Money Podcast: Trends in Personal Finance Brought on by the COVID-19 Pandemic with Liz Weston

Wed, 14 Jul 2021 16:00:00 -0000

The COVID-19 Pandemic has had a lot of impacts on how people interact with their money. Will these changes stick around forever? In this episode, Malcolm Ethridge is joined with Liz Weston, personal finance expert and senior writer for NerdWallet, as they talk about some of the major influences the COVID-19 pandemic has had on … Continue reading 15. Trends in Personal Finance Brought on by the COVID-19 Pandemic with Liz Weston →

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Tech Money Podcast: Investing in Alternative Assets Through Self-Directed IRAs with Patrick Hagen

Wed, 07 Jul 2021 16:00:00 -0000

What else exists that you could be investing your dollars into, other than traditional investments? How about a franchise, real-estate or even cryptocurrency? In this episode, Malcolm Ethridge is joined by Patrick Hagen, national director of business development with Strata Trust. The duo discuss alternative investments through self-directed IRAs along with the advantages of using … Continue reading 14. Investing in Alternative Assets Through Self-Directed IRAs with Patrick Hagen →

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Tech Money Podcast: Building Generational Wealth Through Proper Estate Planning with Elsa W. Smith

Wed, 23 Jun 2021 16:00:00 -0000

Did you know that 70% of families lose their wealth by the second generation, and 90% lose wealth by the third? There are actionable steps you could be taking to avoid this from happening. In this episode, Malcolm Ethridge sits down with Elsa W. Smith, founder of the Law Offices of Elsa W. Smith, as … Continue reading 13. Building Generational Wealth Through Proper Estate Planning with Elsa W. Smith →

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Tech Money Podcast: Your 401(k) Is Not Your Piggy Bank with Malcolm Ethridge

Wed, 02 Jun 2021 16:00:00 -0000

When it comes to your 401(k) plan, you want to keep your hands off for as long as possible. The longer those funds can compound and grow, the better. In this episode, Malcolm Ethridge speaks about his recent blog that left a few people uneasy about the message he was getting across. Malcolm discusses why … Continue reading 12. Your 401(k) Is Not Your Piggy Bank with Malcolm Ethridge →

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Tech Money Podcast: Turning to Franchising as a Second Act with Boynton Weekes

Wed, 19 May 2021 16:00:00 -0000

The world of franchising includes more than just fast food In this episode, Malcolm Ethridge is joined by Boynton Weekes, a franchise business consultant with FranNet. Malcolm and Boynton take a deep dive into all things franchising, from selecting the right concept, how to finance it, and how much time it really takes to own … Continue reading 11. Turning to Franchising as a Second Act with Boynton Weekes →

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Tech Money Podcast: From Basketball Superstar to Venture Capital Rookie with Alana Beard

Wed, 05 May 2021 16:00:00 -0000

Have you ever been curious what a basketball star does once they have left the game? In this episode, Malcolm Ethridge is joined by WNBA champion Alana Beard. Listen in as they discuss Alana’s journey to professional basketball and her recent pivot into Venture Capital. Alana shares which parts of her own personal journey have … Continue reading

10. From Basketball Superstar to Venture Capital Rookie with Alana Beard

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Tech Money Podcast: The Ins and Outs of Donor Advised Funds with Mary Jovanovich

Wed, 21 Apr 2021 12:00:00 -0000

When it comes to charitable giving, there’s more to it than simply writing a check to a few non-profit organizations near the end of the year and claiming a tax deduction. In this episode, Malcolm Ethridge is joined by Mary Jovanovich, senior relationship manager with Schwab Charitable, as they dive into the

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Tech Money Podcast: The Return of the Retail Investor with Chris Hill

Wed, 07 Apr 2021 16:00:00 -0000

Since the onset of the pandemic, we have seen a renewed interest in the markets from so-called retail investors – otherwise known as Mom-and-Pop or Main Street investors. What does this mean for the markets long-term? In this episode, Malcolm Ethridge is joined by the one and only Chris Hill, host of the Motley Fool … Continue reading 8. The Return of the Retail Investor with Chris Hill →

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Tech Money Podcast: Performance Coaching to get you to the next level with Christy Rutherford

Wed, 24 Mar 2021 12:00:00 -0000

Have you ever experienced that “stuck” feeling in your career? Do you appear successful to everyone around you but have a hard time seeing it yourself? Have you ever wondered what performance coaching looks like? In this episode, Malcolm Ethridge is joined by Christy Rutherford, founder and CEO of Vision Finder International. Christy and Malcolm … Continue reading 7. Performance Coaching to get you to the next level with Christy Rutherford →

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Tech Money Podcast: Key Tax Considerations for Americans Working Abroad with Katrina Haynes

Wed, 10 Mar 2021 16:00:00 -0000

When given an assignment to work abroad, thinking about taxes and where you owe them can be the last thing on your mind. In this episode, Malcolm is joined by Katrina Haynes, international tax expert and founder of Haynes and Associates, as they take a deep dive into understanding what happens with taxes when you … Continue reading 6. Key Tax Considerations for Americans Working Abroad with Katrina Haynes →

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Tech Money Podcast: From Employee to Employer with Calvin Williams

Wed, 24 Feb 2021 21:00:00 -0000

Some say entrepreneurship is the new job security. We aim to explore what entrepreneurship looks like first hand and what it takes to be successful. In this episode, Malcolm is joined by Calvin Williams, CEO of Freeman Capital, as they discuss what it takes to be an entrepreneur and how you can make your side … Continue reading 5. From Employee to Employer with Calvin Williams →

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Tech Money Podcast: It’s Tax Time. Should You DIY or Hire a Pro? — with Erica James

Wed, 10 Feb 2021 20:00:00 -0000

Do you dread the time of year when you have to file your taxes? Do you feel overwhelmed about how to file or all of the information you need? In this episode, Malcolm Ethridge is joined with Erica James, Manager and Client Advisor at SBSB Financial Advisors, and they dive into the conversation about tax … Continue reading 4. It’s Tax Time. Should You DIY or Hire a Pro? — with Erica James →

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Tech Money Podcast: Are You Asking the Right Questions of Your Financial Advisor? — with Malcolm Hodge

Wed, 27 Jan 2021 15:00:00 -0000

Are you asking the right questions for yourself and your financial goals? When you first begin looking for a financial advisor, there are some things you should be asking yourself. In this episode, Malcolm Ethridge is joined by Malcolm Hodge, strategic sourcing manager at Microsoft. Malcolm puts Malcolm in the hot seat, asking questions he … Continue reading 3. Are You Asking the Right Questions of Your Financial Advisor? — with Malcolm Hodge →

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Tech Money Podcast: Is Now The Time For Crypto? – with Sampson Williams

Wed, 20 Jan 2021 16:00:00 -0000

Everyone is saying now is the time to buy cryptocurrency. Is it something you should invest in? In this episode, Malcolm is joined by Samson Williams, a professor and world renowned speaker on FinTech, Blockchain, and cryptocurrency. The pair dive into how crypto actually works, how to buy it, and all of the nerdy details … Continue reading 2. Is Now The Time For Crypto? – with Sampson Williams →

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Tech Money Podcast: Meet Your Tech Money Podcast Host Malcolm Ethridge

Wed, 13 Jan 2021 16:00:00 -0000

Welcome to the Tech Money Podcast, where all things tech and personal finance collide. In this inaugural episode, Malcolm Ethridge launches his podcast by sharing how he got into financial services and who he enjoys working with. Malcolm gets personal with a discussion about his passion projects, achievements, and ardor for the tech industry. Malcom … Continue reading 1. Meet Your Tech Money Podcast Host Malcolm Ethridge →

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