The Investing for Beginners Podcast - Your Path to Financial Freedom
By Andrew Sather, Stephen Morris, and Evan Raidt | Stock Market Guide to Buying Stocks
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This podcast teaches stock market investing in a simple, jargon-free way. It covers strategies for beginners, comparing companies like Coke vs. Pepsi and spotting red flags in CEOs. The goal is to help listeners build wealth steadily without chasing get-rich-quick schemes.
Odcinki
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Path to Confidence: Build an Investing Playbook 01.10.2026 43minEverybody has a plan until the market punches them in the mouth. In this episode, Stephen and Andrew break down how to remove emotion from investing by building a mechanical “if-then” playbook—rules you decide ahead of time so you don’t improvise when fear hits. They connect the idea to real-world high-stress training (military, first responders, pilots): when things go sideways, you fall back on rehearsed systems, not gut reactions. They walk through how to write rules per stock (not just for the whole portfolio), why selling rules are rarely discussed, and how to set “eject button” triggers that protect you from sunk cost fallacy and self-justification. The episode closes with a listener's question about receiving a large sum of money—how to slow down, define your time horizon, avoid paying “tuition” with a big lump sum, and choose an investing path you can stick with. What You Will Learn How to create if-then rules that reduce panic decisions Why you should build rules before buying a stock (not during a crisis) How to think about sell triggers (and why most investors avoid the topic) How to use “do nothing” as a legitimate strategy when markets get chaotic What to consider when investing a large lump sum (time horizon, pacing, confidence) Timestamps 00:00 Why this episode: removing emotion when you “should” be panicking 01:05 Training under stress: why systems beat gut instincts in real life (and investing) 02:10 Hydroplaning analogy: don’t overcorrect when things get scary 04:35 The core tool: building an “if-then plan” (borrowed from trading, adapted to investing) 06:10 Why investors rarely talk about selling—and why that’s a problem 07:05 “Shopping wholesale”: how to think when the market drops hard 09:20 Per-stock rules vs portfolio-wide rules (and why per-stock is safer) 12:50 Real example: Spotify rules—buy dips, avoid sunk cost fallacy, know your eject button 17:50 Hard rules: dividend cuts + capital return as a key part of Andrew’s framework 34:28 Listener question: what to do with a large sum of money (time horizon + pacing + don’t rush) Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc. Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com. Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices -
AAR69 - Behind the Curtain - How Money Actually Moves 29.09.2026 51minMost of us don’t handle money directly anymore—we rely on platforms, banks, brokerages, and middlemen. In this episode, Evan and Andrew break down how those businesses actually make money off you, where the hidden costs live, and the practical moves you can use to “stack the deck” back in your favor. From credit card interest and swipe fees, to investing expense ratios, to overdraft traps, to mortgage math and real estate agent incentives—this is a plain-English walkthrough of the stuff nobody explains until it’s too late. What You Will Learn Credit cards make money mainly from interest, transaction (swipe) fees, and sometimes annual fees—and they’re designed to make spending feel painless. In investing, “small” fees (expense ratios, advisor fees, trading friction) can become massive over time because they compound against you. Banks profit by using your deposits to earn returns while paying you little—plus they rake in fees like overdraft and minimum balance penalties. Mortgages are interest-front-loaded, so moving too soon can mean you paid mostly interest and built little equity. Real estate agents are often incentivized to close fast and at higher prices, so you should consider asking for single-party representation or even flat-fee/hourly structures. Timestamps 0:00 — Credit cards = short-term loans (and why rates are so high) 1:35 — Where card companies profit: interest, swipe fees, annual fees 3:05 — The real “win”: never carry a balance + avoid annual fees 4:25 — Why frictionless spending (tap/phone pay) makes you spend more 6:10 — Annual-fee cards: why the math usually doesn’t work 8:55 — Stock market basics: ownership, raising capital, buybacks, stock comp 13:10 — If commissions are “free,” how do brokers make money now? 17:10 — Practical defense #2: don’t day trade (you’re fighting the machine) 18:00 — Practical defense #3: don’t overpay for advice in wealth-building years 19:20 — Fees stack: advisor fees + fund fees + taxes can crush returns 20:15 — Banks: how they profit from your deposits (and why it matters) 25:10 — Why switching checking accounts is a pain (and banks know it) 28:10 — Mortgage optimization: credit score, shopping rates, extra principal 32:40 — Flat-fee/hourly agents: why it can align incentives better Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/ Email Evan: [email protected] Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting https://quince.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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Cummins (CMI): Record Quarter, Falling Stock — What Wall Street Sees 28.09.2026 44minCummins just printed a monster quarter—record revenue, raised guidance, and strong-looking headline numbers—yet the stock has been sliding hard. In this episode, Stephen and Andrew walk through why that disconnect happens and how to avoid the “headline trap” where a good quarter gets mistaken for a good stock. The big theme: stop reacting to the press release and start underwriting the business like a lender would—dig into what’s actually driving results and what could break. They cover Cummins’ segment mix (and why profits can matter more than revenue), what to look for in margins when costs are rising, and how to think about cyclicality without overreacting to once-in-a-generation macro events. The episode wraps with a practical checklist mindset: look for one-time boosts (acquisitions, refunds, accounting noise), sanity-check cash flow, and remember that the learning curve never ends—your job is to catch mistakes early and course-correct. What You Will Learn How to separate a great quarter from a great stock How to use segment revenue vs segment profitability to see what’s really driving results What margin trends (gross + operating) can tell you about cost pressure vs pricing power How to evaluate cyclicality using operating margin history (without overfitting one bad year) A simple framework for spotting one-time boosts that can “fake” strength Timestamps 00:00 Why Cummins is interesting: record quarter, stock still falling 01:30 The core question: what does Wall Street see that the headlines don’t? 02:15 First step: start with the earnings call + identify the real driver (data centers/power) 04:31 “Destination Zero” + why Cummins is more than “just engines” 05:33 Andrew’s approach: segment revenue vs segment profitability (and why it matters) 07:15 Transformation stories: legacy stability + fast-growing segment upside 10:46 Explaining price drops: using bear cases/analyst reports as clues, not gospel 13:00 Costs rising vs revenue rising: what “good” looks like through margins 17:17 Moat discussion: brand power, supplier presence, and quality as a competitive edge 32:31 Avoiding the trap: acquisitions + one-time items + cash flow as your “metal detector” Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc. Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com. Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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Path to Confidence: Why the Best Investors Rarely Swing 24.09.2026 55minEvery day, mainstream financial media demands that you swing at the latest hot stock, IPO, or macroeconomic tech trend. But the greatest investors in history succeed not by swinging at every pitch, but by ruthlessly defining their "Circle of Competence" and ignoring the rest. In this episode, Stephen and Andrew break down how to map out your unique investing edge, overcome the psychological trap of FOMO, and use the "Scuttlebutt" method to safely expand your knowledge without incinerating your capital. What You Will Learn The Ted Williams Rule: Why batting .406 in the stock market requires you to map out your exact "grid squares" of knowledge and let the Wall Street meatballs go by. The Hubris Trap: How deep industry knowledge can trick smart professionals (like surgeons or engineers) into making arrogant, portfolio-killing mistakes. Philip Fisher’s "Scuttlebutt" Method: How to investigate a company's true moat by interrogating its competitors, suppliers, and customers. The Anatomy of FOMO: Why missing out on a cultural trend (like GameStop or SpaceX) is mathematically safer than playing a game you don’t understand. How to Safely Expand Your Edge: Why studying a gas station (Casey's) naturally leads you to evaluate the pizza industry (Domino's)—and how adjacency safely builds your circle. Timestamps 00:01:57 — Defining the "Circle of Competence" and why stock picking requires qualitative focus. 00:08:50 — Thomas J. Watson Sr. and why staying "smart in spots" beats being a jack-of-all-trades. 00:11:31 — The spice trade, McCormick, and why mature industries eventually stagnate. 00:14:25 — The Hubris Trap: Why industry experts often make the most arrogant investing mistakes. 00:20:42 — Philip Fisher’s "Scuttlebutt" method for investigating competitive advantages. 00:24:01 — FOMO (Fear of Missing Out) and the Ted Williams strike zone methodology. 00:30:20 — The struggle of saying "no" to good companies and establishing 24-hour cooling-off rules. 00:41:06 — How to map your Circle of Competence using the "Three Rings" visual framework. 00:46:40 — Safely expanding your circle through industry adjacencies. Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc. Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com. Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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AAR68 - Correcting for Financial Mistakes 22.09.2026 47minNobody is perfect, and that applies to your budget, too. In this episode of At Any Rate, Evan and Andrew open up about their recent financial slip-ups—from overspending on dining out to completely forgetting about annual expenses like car insurance and birthdays. Instead of dwelling on the guilt of busting a budget, the guys break down how to properly correct these mistakes without entering a toxic cycle of financial restriction. Plus, they share their favorite everyday "hacks" to save cash and catch up, including the hidden markup trap of food delivery apps, using simple cashback setups, and the psychological trick of over-budgeting. What You Will Learn Couples Finance: How to manage joint finances and split bills proportionally without acting as your partner's financial "nanny." The Catch-Up Trap: Why trying to aggressively cut spending after a minor budget mistake can actually trigger a toxic binge-spending cycle. The Delivery App Illusion: The massive hidden food markups on Uber Eats and Grubhub, and why ordering ahead on native apps saves you thousands a year. Passive Sinking Funds: How to use basic store credit cards (like Target or Amazon) to generate guilt-free spending money without complex travel hacking. Over-Budgeting: The psychological benefit of overestimating variable expenses like gas to create a built-in end-of-month reward. The 3-to-6 Month Rule: A simple framework to determine if you should cut back to pay for a mistake, or if you need to pull from emergency savings. Timestamps 02:51 – Main Episode Start: Bouncing Back from Financial Mistakes 05:00 – Evan’s Mistake: Overspending on dining out & adjusting the budget 08:39 – Couples Finance: How to handle joint budgets with separate accounts 16:08 – Andrew’s Mistake: Forgetting annual expenses (holidays & car insurance) 21:54 – Why trying to "catch up" on a busted budget creates a toxic money cycle 26:50 – Hack 1: The Uber Eats & Grubhub hidden markup trap 32:23 – Hack 2: Using simple cashback credit cards as a passive sinking fund 39:00 – Hack 3: Over-budgeting variable expenses for end-of-month rewards 40:40 – Hack 4: Replacing expensive habits with free, healthy challenges 43:30 – The 3-to-6 Month Rule: Knowing when to cut back vs. when to use savings Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/ Email Evan: [email protected] Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download the Plynk app today to start building your investing confidence. https://plynkinvest.app.link/IFBpodcast Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting https://quince.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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What Is a Holding Company, And Should You Invest in One? 21.09.2026 42minYou might think buying shares of Google means you are investing in a search engine, but you are actually buying into a decentralized corporate shell designed to isolate risk and absorb massive losses. While operating companies like Apple focus on core products, empires like Alphabet and Berkshire Hathaway use corporate structure as a financial weapon. In this episode, Stephen and Andrew look under the hood of the holding company model to determine if decentralization is the ultimate margin of safety, or a fast track to inefficient "di-worsification." What You Will Learn The Alphabet Illusion: Why buying Google actually means investing in a decentralized risk-management engine. Ring-Fencing Failure: How holding companies legally isolate bankrupt subsidiaries—and the debt loophole that still managed to destroy Silicon Valley Bank. The Meta Money Pit: How giant holding companies use massive subsidiary losses (like Reality Labs or Waymo) as a structural tax advantage to offset core profits. Divestitures vs. IPOs: Why spinning off a subsidiary like Mobileye rewards parent companies differently than giving direct shares to investors. The Conglomerate Discount: Why Wall Street historically punishes bloated empires, and why General Electric (GE) had to unbundle its businesses to survive. Timestamps 00:01:46 — Defining the Holding Company: Alphabet and Berkshire vs. Apple and Uber. 00:03:55 — The Coca-Cola anomaly: Why an independent bottler historically outperformed the iconic parent brand. 00:06:40 — Centralization vs. Decentralization: Why holding company CEOs let subsidiaries operate autonomously. 00:08:50 — Ring-fencing risk: What actually happens to the parent stock if a subsidiary goes bankrupt? 00:12:44 — The Tax Shield: How Alphabet absorbs Waymo's operating losses to offset Google's massive profits. 00:14:48 — The Cash Flow Vacuum: How parent companies extract money from their subsidiaries. 00:19:28 — Offloading assets: The critical mechanical difference between an IPO (Mobileye) and a Divestiture (Danaher). 00:25:33 — The 1970s Conglomerate Boom, "di-worsification," and GE's forced unbundling. 00:28:07 — Evaluating Meta's Reality Labs: Is it a calculated tax shield or a structural cancer? 00:32:30 — Bonus lesson: What is "Circle Financing" and why Jensen Huang's recent NVIDIA investments don't fit the definition. Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc. Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com. Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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Path to Confidence: The 3-Step Safety Net Every Investor Needs 17.09.2026 52minBeginner investors want to skip straight to the exciting part—picking stocks, chasing crypto gains, and dreaming of 100% returns. But diving into the market without a rock-solid financial foundation underneath you is a guaranteed recipe for panic-selling at the worst possible moment. In Part 2 of the "Path to Confidence" series, Andrew Sather sits down with Evan Raidt (At Any Rate) to break down why liquidity risk destroys unhedged portfolios, how to automate your cash flow to eliminate willpower, and why finding the financial "middle ground" beats both extreme austerity and YOLO reckless spending. What You Will Learn The Hidden Risk of Liquidity Lockup: Why investing money you might need in the short term forces you to liquidate assets at a loss during emergency market dips. The Honest Budget Reality Check: How categorizing expenses into strict Needs, Wants, and Savings (plus-or-minus $100) exposes silent cash drains before you buy a single share. Removing Willpower via Automation: Why setting up recurring transfers into S&P 500 index funds ($VOO$) and high-yield savings accounts guarantees compounding progress without daily discipline. The 3-to-4 Month Catch-Up Rule: How to handle unexpected financial setbacks without blowing up your long-term investment strategy or falling into a burnout-inducing lifestyle change. Escaping the Social Media Extremes: Why sustainable wealth creation happens in the middle ground between rinky-dink frugality and reckless lifestyle inflation. Timestamps 00:01:23 — Why Financial Foundations Come First: Understanding liquidity risk and investment lockup 00:04:12 — The Mentorship Effect: How watching realistic financial progress beats hype-driven advice 00:09:10 — Step 1: The Honest Budget: Setting up Needs, Wants, and Savings without perfectionism 00:13:48 — Needs vs. Wants in Practice: Drawing the line between necessities (rent, childcare) and discretionary spends 00:20:47 — Overcoming the Getting-Started Speedbump: Shifting focus from short-term friction to long-term freedom 00:27:38 — Automating Your Wealth: Eliminating willpower by auto-depositing into savings and index funds ($VOO$) 00:32:42 — Why S&P 500 Indexing Works: Long-term historical resilience vs. short-term market noise 00:35:50 — Navigating Setbacks: Emergency funds, managing cash flow drains, and the 3-4 month catch-up window 00:46:40 — The Financial Middle Ground: Why steady compounding beats extreme FIRE frugality and YOLO spending Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc. Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com. Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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AAR67 - Our Ratio Rulebook - Solid Financial Starting Points 15.09.2026 56minAre you spending too much on your car? Is your rent making you "house poor"? In this episode of At Any Rate, Evan and Andrew ditch the vague financial advice and dive into the exact ratios and percentages you should be aiming for to secure your financial future. From breaking down the classic 50/30/20 budgeting rule (and why it must be calculated on your net income) to establishing hard limits for vehicle expenses, housing costs, and "fun money," the guys provide a blueprint for evaluating your spending. Plus, they explore how to handle windfalls and the right way to size "risky" investments in your portfolio. What You Will Learn The 50/30/20 Rule: How to properly categorize your needs, wants, and savings without feeling restricted. The 15% Vehicle Limit: Why you must include gas, insurance, and maintenance when calculating your car affordability. The 30% Housing Limit: The financial superpower of buying a "starter home" instead of stretching for a dream home immediately. Net vs. Gross Savings: Why you shouldn't include your employer 401(k) match when calculating your personal 20% savings rate. The 50/50 Windfall Rule: A guilt-free system for splitting bonuses and tax refunds between treating yourself and building wealth. Portfolio Risk Management: Why it's okay to own highly volatile stocks—as long as you size them correctly. Timestamps 02:04 – Andrew’s favorite investing metric: Calculating Expected Returns 05:42 – The 50/30/20 Budgeting Rule: Needs, Wants, and Savings 07:32 – What to do if your "Needs" exceed 50% of your income 11:18 – The 15% Rule for Vehicle Expenses (Including gas and insurance) 19:20 – Housing Ratios (30%) & The compounding power of starter homes 28:15 – Credit Card Debt Ratio: Why the only acceptable target is 0% 31:08 – Retirement Savings: How much of your savings bucket should be locked away? 38:23 – Calculating your savings rate on Net vs. Gross income 40:07 – Portfolio Risk: Defining "risky" investments and sizing them correctly 48:26 – The 50/50 Windfall Rule: How to handle bonuses and tax refunds without guilt Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/ Email Evan: [email protected] Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download the Plynk app today to start building your investing confidence. https://plynkinvest.app.link/IFBpodcast Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting https://quince.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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Ian Cassel’s Rules for Profitable Small-Cap Investing 14.09.2026 58minMost retail investors assume the biggest market gains belong to high-flying mega-cap tech stocks, but historical data reveals a completely different reality: 87% of all 10x stocks over the past decade started as microcaps. However, blindly chasing small-company story stocks is the fastest way to incinerate capital. In this episode, Andrew Sather sits down with microcap veteran and author Ian Cassel (Stock Picker, Intelligent Fanatics) to uncover how retail investors can exploit institutional blind spots, evaluate management as a primary moat, and execute disciplined exit strategies in microcap equities. What You Will Learn The 18% Profitability Filter: Why 82% of microcap stocks are unprofitable traps—and how focusing on the profitable minority eliminates 95% of blow-up risk. Management as the Moat: Why traditional competitive moats don't exist in $50M companies, making repeated winning CEOs and skin-in-the-game teams the ultimate catalyst. The Illiquidity Premium: How institutional size constraints create a structural advantage for retail investors trading illiquid $10k/day volume stocks. Why You Can't "Coffee Can" Microcaps: Why the average winning microcap trade lasts 16–18 months and requires active maintenance due diligence rather than passive buy-and-hold. The 49% Hit Rate Reality: What Lee Freeman-Shore’s study of top hedge fund managers proves about stock-picking accuracy vs. execution and position sizing. Timestamps 00:01:00 — Introduction: Welcoming Ian Cassel, author of Stock Picker and founder of Microcap Club 00:02:26 — Investor Life Cycles: How early wins, losses, and environment shape risk temperament 00:05:16 — The $20k to $120k to $8k Rollercoaster: Ian’s dot-com boom and bust during high school and college 00:11:00 — Story Stocks vs. Fundamentals: Why starting with narrative stocks creates high risk tolerance 00:12:35 — The XM Satellite Radio Case Study: How a $1.78 microcap turnaround generated a 10x recovery 00:18:38 — Management is the Moat: Evaluating repeated winners, capital allocators, and pedigreed teams 00:25:15 — Why Quality Small Businesses Go Public: Valuations, capital efficiency, and global microcap markets 00:30:25 — The Reality of Microcap Holding Periods: Why short shelf-lives demand active selling discipline 00:33:25 — Developing the "Spidey Sense": Recognizing management body language and thesis decay 00:40:00 — The Illiquidity Premium Data: Roger Ibbotson’s Yale study on microcap outperformance 00:48:25 — The Art of Execution: Why top investors win with a 49% hit rate through position sizing Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc. Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com. Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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Path to Confidence: Stop Chasing the Market and Pick Your Lane 10.09.2026 1godz 6minIn Part 1 of the "Path to Confidence" series, Stephen Morris and Andrew Sather tackle a critical lesson for beginner investors: you must know what game you are playing to avoid gambling away your money. The hosts break down key investor archetypes—from hands-off 401(k) "set-it-and-forget-it" investors to broad-market index/ETF purists—exploring the pros, cons, and tax strategies behind each path. Moving beyond passive strategies, Stephen and Andrew analyze the realities of physical real estate versus REITs, alongside the mental grit required to succeed as an individual stock picker. The episode wraps up with a concrete action step: identify your investor archetype, write it down, and use it to confidently filter out any financial media noise that doesn't fit your personal game plan. What You Will Learn How to identify your specific investor archetype so you stop playing the wrong financial game and focus on your strengths. The key pros, cons, and tax strategies of 401(k)s, Roth IRAs, and low-cost index ETFs. The truth about real estate investing, comparing the heavy debt and hands-on labor of physical property to the passive simplicity of REITs. The mental grit required for stock picking, and why long-term fundamental investing beats high-stress day trading every time. A simple, 1-step action item to filter out distracting financial media noise and stay completely confident in your strategy. Timestamps 02:15 – Introducing the "Path to Confidence" Series 03:30 – Archetype 1: The 401(k) "Set It & Forget It" Investor 04:30 – Pros & Cons of Employer-Sponsored 401(k) Plans 07:15 – Strategy Breakdown: 401(k) Match vs. Roth IRA 09:20 – Archetype 2: The Index Fund & ETF Purist 11:20 – Why ETFs Are the Safest Learning Ground for Beginners 12:55 – Archetype 3: Real Estate (Is Your Primary Home an Investment?) 15:10 – The Reality of Physical Real Estate: Leverage, Labor & Debt Risks 19:37 – REITs: The Truly Passive Alternative to Property Management 29:13 – Archetype 4: The Stock Picker Mindset & Mental Toughness 49:50 – Archetype 5: Trader vs. Investor (Day Trading Risks vs. Compounding) 58:10 – The Action Step: Your Sticky Note Assignment & Filtering Media Noise Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc. Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com. Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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AAR66 - Who Wants to Be a Millionaire? 08.09.2026 1godzIn this special game-show episode of At Any Rate, Evan puts Andrew in the hot seat for a 15-question financial trivia challenge. From guessing 2026 401(k) contribution limits and average new car prices to exposing credit card score myths and gym membership waste, the guys test how well real-world finance metrics match consumer intuition. Whether you're playing along in the car or looking to sanity-check your own budget, this episode combines surprising macroeconomic statistics with practical behavioral advice on managing debt, bonuses, and grocery budgets. What You Will Learn U.S. Credit Score Reality: Why the average American credit score (740) is significantly higher than most consumers assume. Bear Market Horizons: Why the average bear market lasts only 9.6 months and how "recency bias" tricks investors into staying on the sidelines. Credit Card Debt Myths: Why 48% of Americans carry a monthly balance—and why carrying debt does not improve your credit score. The Cost of Driving: How new car prices ($49,000) have pushed average loan terms to a staggering 69 months. The 60/40 Bonus Rule: How to enjoy workplace bonuses without blowing your long-term savings goals. Stock Market Non-Participation: Why 38% of Americans hold zero stock investments and how to overcome financial paralysis. Timestamps 0:00 – Game Show Intro & Rules: Who Wants to Be a Financial Millionaire? 3:42 – Tier 1: Average Credit Scores & 401(k) Contribution Limits ($24,500) 8:27 – New Car Price Realities ($49,000) & Average Credit Card Debt ($7,000) 12:55 – Bear Market Historical Length (9.6 Months) vs. Recency Bias 17:35 – Housing Market Leverage: Total Real Estate Value vs. U.S. GDP (4x) 19:11 – Tier 2: Emergency Savings Deficits (30% with $0 in Savings) 27:32 – Gym Membership Waste (67% Unused) & Wedding Costs ($34,200) 31:32 – Credit Card Myths: Why Carrying a Balance Does NOT Improve Credit 34:42 – Tier 3: New Car Loan Terms (69 Months) & Median U.S. Bonuses ($1,700) 40:47 – How to Manage Bonuses: The 60/40 Spending & Savings Rule 43:00 – Monthly Gas Costs ($200) vs. EV Charging Efficiency ($45/mo) 44:35 – Average Grocery Bills ($400/mo) & Luxury Grocery Markups 46:37 – Moneyball Question: Stock Market Non-Participation (38%) & Crypto/Gambling Traps 51:47 – Overcoming Financial Hopelessness: Building Habits & Incremental Progress 55:35 – Final Score Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/ Email Evan: [email protected] Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download the Plynk app today to start building your investing confidence. https://plynkinvest.app.link/IFBpodcast Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting https://quince.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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The First Metric Every Investor Must Check Before Buying 07.09.2026 48minWhen analyzing a stock for the first time, retail investors often get blinded by stock price charts, flashy marketing, or news headlines. But if you want to know whether a business is actually compounding value, you have to look at the top line: Revenue Growth. In this episode, Stephen and Andrew break down the fundamental starting point for analyzing any stock, why top-line growth drives long-term earnings per share (EPS), and how to use base rates to spot unrealistic hypergrowth traps before they wreck your portfolio. What You Will Learn The Revenue-to-Price Pipeline: Why McKinsey and Peter Lynch studies prove that revenue growth is the ultimate driver of long-term stock returns. EPS vs. Stock Price: Why a $20 stock can actually be significantly more expensive than a $500 stock. The Limit of Cost Cutting: Why companies cannot cost-cut their way to compounding returns—and why profit margins hit a hard ceiling. The Skewed Data Trap: How single-year anomalies, cyclical spikes, and M&A activity ruin 3- and 5-year screener averages. The 4%–6% Base Rate Baseline: Michael Mauboussin’s research on real-world corporate growth rates and why expecting 20%+ annual growth forever is a mathematical delusion. Timestamps 00:00:00 — The Fundamental Starting Point: Why top-line revenue growth is step #1 for stock analysis 00:00:45 — EPS vs. Stock Price: Dissecting valuation so you don't confuse share price with company value 00:04:47 — Revenue Growth vs. Cost Cutting: The mathematical limit of profit margins 00:07:50 — Percentages Over Headline Dollars: Evaluating small caps vs. mega-caps objectively 00:09:32 — The Skewed Data Trap: How one-time events and M&A distort multi-year growth metrics 00:11:57 — Michael Mauboussin Base Rates: Why 4%–6% revenue growth is the true economic baseline 00:14:52 — Valuation Meets Growth: P/E ratios as "duct tape" and revenue growth as "WD-40" 00:20:17 — The Hypergrowth Trap: Why 30%+ annual growth almost always reverts to the mean 00:25:17 — The 7%–15% Sweet Spot: Identifying sustainable compounders without taking extreme risk 00:29:57 — Value Re-Rating & Dividends: How mature businesses like Coca-Cola compound wealth quietly 00:36:42 — Practical Stock Screening: How to set up multiple screens to catch ideas without falling for traps Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc. Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com. Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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Is NVIDIA’s High-Margin Machine Sustainable? 03.09.2026 51minNVIDIA is currently pulling off something unprecedented in financial history: posting startup-like revenue growth (+126% in 2024 and +114% in 2025) while sitting at a massive $4 trillion valuation. Mainstream media treats this hyper-growth as an unstoppable tech miracle, but history shows that every infrastructure CapEx boom eventually faces physical and economic boundaries. In this episode, Stephen and Andrew look under NVIDIA's hood to examine whether its fabless business model and CUDA software lock-in justify its valuation, or if Big Tech is caught in a classic, 19th-century-style CapEx bubble. What You Will Learn The Fabless Margin Advantage: How NVIDIA commands software-like profit margins by outsourcing heavy semiconductor manufacturing to TSMC. The 1873 Railroad Parallel: What the 19th-century infrastructure boom teaches us about today's $800 billion Big Tech AI CapEx race. CUDA’s Unbreakable Moat: How proprietary software ecosystem lock-in keeps hyperscalers dependent on NVIDIA GPUs instead of switching to AMD. The Memory Oligopoly Bottleneck: How Samsung, SK Hynix, and Micron squeeze hardware buyers and drive up data center costs across the tech sector. Broadcom vs. Qualcomm: Why two similar chipmakers diverged by 10x in market cap over a decade, and what it reveals about semiconductor stock picking. Timestamps 00:00:00 — NVIDIA’s Startup Growth at Scale: Auditing +126% revenue growth on a $4T valuation 00:02:12 — Forward P/E vs. Trailing P/E: What Wall Street is pricing into NVIDIA’s next 4 quarters 00:05:42 — CPU vs. GPU Revolution: How parallel computing allowed NVIDIA to dethrone Intel 00:08:06 — The Fabless Model: Why chip design yields software-like margins without factory overhead 00:12:32 — The Zero-Marginal-Cost Trap: Anthropic and OpenAI’s explosive revenue run-rates 00:14:12 — The Memory Oligopoly: How Micron, SK Hynix, and Samsung exercise extreme pricing power 00:15:54 — Single Points of Failure: NVIDIA’s total supply-chain reliance on TSMC and ASML 00:19:20 — Historical CapEx Cycles: Comparing today's Big Tech AI spend to the 1873 Railroad Bubble 00:25:40 — AI ROI Reality Check: Agentic coding, enterprise adoption, and "AI slop" quality risks 00:41:06 — Analyzing NVIDIA as a Beginner: Untempered enthusiasm vs. demanding a margin of safety 00:44:50 — Broadcom vs. Qualcomm: How two semiconductor peers diverged by 10x in ten years Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc. Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com. Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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AAR65 - Where Are People Wasting Money? 01.09.2026 54minAre you accidentally throwing money down the drain without realizing it? In this episode of At Any Rate, Evan and Andrew break down five sneaky financial missteps that cause people to waste cash—from point-of-sale financing traps to unneeded consumer upgrades and stagnant checking accounts. Instead of shaming bad spending habits, the guys share honest personal realizations (including Evan’s eye-opening look at phone installment plans) and provide simple, actionable systems like sinking funds and "output-based purchasing" to keep your finances on track without sacrificing the things you love. What You Will Learn The Buy Now, Pay Later Trap: Why financing small purchases like concert tickets, couches, and plane tickets wrecks your long-term cash flow. Sinking Funds vs. Debt: How setting aside dedicated cash pools lets you spend guilt-free on furniture, trips, and holidays. Misstep 2: Unneeded Upgrades: How to evaluate upgrades using "output-based purchasing" to stop overspending on new iPhones, flights, and car packages. Stagnant Cash Loss: The true opportunity cost of keeping your emergency fund in a default checking account versus a High-Yield Savings Account (HYSA). Thoughtful Gifting vs. Overspending: How to express care without going into debt on holiday gifts or expensive jewelry. Hobby Management: Why stepping up through entry-level equipment (from coffee grinders to guitars) brings more joy and value than buying top-of-the-line gear upfront. Timestamps 0:00 – Identifying Silent Wealth Killers 1:52 – Misstep 1: Financing Small Purchases (BNPL, Concerts & Couches) 5:29 – Using Sinking Funds to Stop Debt Spirals 8:49 – Misstep 2: Upgrades You Don't Need (iPhones, Flights & Car Packages) 13:24 – Output-Based Purchasing: How to Justify Lifestyle Upgrades 21:19 – Misstep 3: Piling Cash in Stagnant Accounts 25:54 – The Power of HYSAs for Down Payments & Emergency Cash 28:27 – Misstep 4: Overspending on Gifts (Thoughtfulness vs. Price Tags) 33:03 – Handling Budget Mistakes & Planning for Holiday Spending 37:59 – Misstep 5: The Expense of Hobbies (Guitars, PCs, and $3,500 Coffee Setups) 48:34 – The Coffee Grinder Lesson: Why You Shouldn't Buy Top-of-the-Line Immediately Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/ Email Evan: [email protected] Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting https://quince.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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How to Get 9% Returns with Half the Market Volatility 31.08.2026 39minMainstream financial media tells investors that the only way to build long-term wealth is to throw 100% of their money into index funds and hold on for dear life. But when the market crashes and portfolios get cut in half, human psychology kicks in, and retail investors almost always panic-sell at the exact wrong time. In this episode, Stephen sits down with contrarian market veteran Jared Dillian to dissect the psychological flaws of traditional indexing and break down the "Awesome Portfolio"—a stress-free, 5-asset allocation strategy designed to deliver near-market returns with a fraction of the drawdowns. What You Will Learn The Indexing Trap: Why holding an S&P 500 index fund exposes your entire net worth to crippling 50% drawdowns (and why most humans can't handle it). The Finnish IQ Study: How military data from Finland proves that "smarter" investors outperform the market simply through disciplined market timing and risk control. The "Giffen Good" Paradox: Why investors irrationally hate cheap assets (like 5% yielding bonds) but blindly pile into expensive, over-hyped tech stocks. The 20% Cash Rule: Why holding cash isn't just a safety net—it’s ultimate liquidity for buying distressed assets and capitalizing on rare life opportunities. Why Crypto Kills Compounding: Why keeping volatile assets like Bitcoin out of your core portfolio protects your Sharpe ratio and prevents emotional checking. Timestamps 00:01:21 The evolution of market mechanics: From trading fractions on the open-outcry floor to AI algorithms. 00:03:50 Comparing the current AI boom to the 2000 Dot-com bubble (and why today's tech stocks are fundamentally different). 00:04:49 The Bond Market Disconnect: Why investors are ignoring risk-free 5% yields. 00:10:24 The Finnish IQ Study: What administrative data teaches us about market timing and cognitive discipline. 00:12:18 Jared’s Lehman Brothers backstory and surviving a 50% net-worth wipeout in 2008. 00:14:40 Deconstructing the "Awesome Portfolio": VTI, BND, IAU, TBIL, and VNQ. 00:16:34 Why Bitcoin and cryptocurrency are excluded to preserve portfolio peace of mind. 00:19:32 The 3 reasons you must hold cash: Volatility smoothing, 5% yields, and pure optionality. 00:24:15 Breaking the Boglehead Orthodoxy: Why the "all-stocks, all the time" strategy is a behavioral trap. 00:32:08 Debunking extreme personal finance: Why The Millionaire Next Door and Rich Dad Poor Dad give dangerous advice. Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc. Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com. Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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Dissecting Capital One, Netflix, and Wall Street's Favorite Metrics 27.08.2026 49minIt’s tempting to fire up a stock screener, sort by top-line revenue growth, and assume you’ve just uncovered a goldmine of breakout stocks. But when a legacy credit card company suddenly posts triple-digit growth, it’s rarely an economic miracle—it’s an accounting illusion. In this episode, we run a live revenue breakout screen to show exactly how Wall Street numbers lie, why corporate acquisitions distort financial data, and how to protect your capital from manufactured hype. What You Will Learn Why record revenue is a trap: How Capital One’s sudden 102% growth rate exposes the danger of using unadjusted, raw stock screeners. The M&A growth illusion: Why buying a competitor (like the Discover acquisition) temporarily breaks year-over-year financial comparisons and tricks retail investors. The Forward P/E warning sign: Why Netflix looks cheap based on past earnings but expensive when you factor in Wall Street's expectation of shrinking margins. The "Dictator CEO" red flag: How to use proxy statements to spot concentrated voting power and shareholder lawsuits, using AppLovin as the prime example. Ignoring the macro noise: Why trying to time market tops using bank stocks (Morgan Stanley, BlackRock) is a losing game for long-term investors. Timestamps 00:01:59 The Revenue Breakout Screen: Filtering for 1-year growth beating 3- and 5-year averages 00:05:08 The Capital One (COF) Illusion: Why a 102% growth rate isn't what it seems 00:08:15 Bank Stocks and Macro Narratives: Can we predict the economy using Citigroup or Bank of America? 00:18:40 Unpacking Capital One’s acquisition of Discover and how buyouts skew financial metrics 00:24:42 The AppLovin (APP) dilemma: High growth vs. extreme executive control and shareholder lawsuits 00:35:35 Netflix (NFLX) and Valuation: Using Forward P/E to predict shrinking profit margins 00:37:00 Founder Departures: Why a CEO stepping down isn't always a reason to panic 00:43:00 Morgan Stanley & BlackRock: Do booming investment banks signal a market top? 00:48:10 Tuning out the media: Why long-term investors must ignore macroeconomic fear-mongering Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc. Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com. Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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AAR64 - The Personal Finance Time Machine 25.08.2026 1godzWhat advice would you give your 22-year-old self if you found a DeLorean in your driveway? In this episode of At Any Rate, Evan and Andrew look back at their early 20s to unpack what actually matters when transitioning from school into the real world. From managing the overwhelming urge to hit every financial milestone at once, to unlocking the true power of compound interest and dismantling the exhausting trend of "over-optimizing" every area of life, the guys share honest reflections on money, career expectations, and building habits that actually last. What You Will Learn Overcoming Milestone Anxiety: Why rushing to buy a house, pay off all debt, and max out accounts simultaneously leads to early burnout. The "Sunday Reset" & Habit Design: How intentionally setting smaller, manageable goals builds long-term consistency over short-term intensity. Demystifying Stock Market Hype: Why building wealth doesn't require a master's degree in math or chasing viral social media trends. The Power of Compound Interest: Why visual charts and compound calculators are the ultimate tools for early-20s financial motivation. Reframing Retirement: How investing in a Roth IRA or 401(k) at age 22 builds the exact mindset required to generate active wealth. Un-Optimizing Life: Why constant social media optimization ruins the enjoyment of fitness, hobbies, and personal finance. Timestamps 0:00 – Advice to Our 22-Year-Old Selves 4:38 – Personal Finance: Overcoming Early-20s Impatience & The Milestones Trap 11:32 – Managing Burnout: The Sunday Reset & Setting Realistic Financial "Whys" 18:53 – Investing: Demystifying Stock Picking & Visualizing Compound Growth 22:15 – Core Reading List: The Millionaire Next Door, Psychology of Money, Atomic Habits 29:15 – Retirement: Reframing 401(k)s, Roth IRAs & Funding Your "Future Self" 35:48 – Habit Consistency: Using a "Margin of Safety" to Prevent Burnout 40:37 – Career: Managing Salary Expectations & The Compounding Value of Work Ethic 45:44 – What We Wouldn't Listen To: Over-Optimization Fatigue & "Eating Humble Pie" Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/ Email Evan: [email protected] Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting https://quince.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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AI, Space, and Defense: Separating Hype from True Moats 24.08.2026 1godz 8minWall Street loves a good sci-fi narrative. Between artificial intelligence, private space exploration, and next-generation defense tech, it is incredibly easy to get swept up in the stories these companies sell. But stories don’t pay dividends, and media hype doesn't fund capital expenditures. In this episode, Andrew and Stephen put the market's most futuristic sectors to the test, tier-ranking individual stocks based on fundamental safety, capital efficiency, and realistic valuations rather than promises of a utopian future. What You Will Learn The AI "Too Hard" Pile: Why highly anticipated IPOs like OpenAI and Anthropic are currently uninvestable traps for value seekers. The $1.4 Trillion SpaceX Dilemma: Why possessing an absolute monopoly in space still doesn't justify a blind, hype-driven IPO purchase. Why General Dynamics dominates the battlefield: The hidden technological innovations (like multi-tier targeting and anti-friendly-fire HUDs) that cement GD as a government necessity. The Danger of Private Military Contractors (PMCs): Why Palantir (PLTR) was completely disqualified from the defense contractor rankings. The ROIC Defense Test: Why Lockheed Martin’s pure capital efficiency completely outclasses acquisition-heavy competitors like RTX and L3Harris. Timestamps 00:00:00 Tier ranking the market's most hyped sectors 00:05:01 AI Rankings: Semiconductors vs. Hyperscalers (TSMC, ASML, Big Tech) 00:15:24 The Google Debate: Why GOOGL offers the ultimate margin of safety in AI 00:24:48 The Billionaire's Secret: Saying "no" to hype and avoiding IPO traps 00:33:41 The Space Sector: Why defense giants offer a safer route than pure-play space stocks 00:38:15 SpaceX's Moat: Evaluating Elon Musk's ambitious $100B revenue run-rate goal 00:47:20 Defense Sector Rankings: Disqualifying Palantir and putting Boeing in the "too hard" pile 00:54:20 Capital Efficiency: Breaking down ROIC across the major defense contractors 00:58:05 Final Rankings: General Dynamics vs. Northrop Grumman vs. Lockheed Martin Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc. Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com. Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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The Psychology of Position Sizing 20.08.2026 42minEvery investor lives with two competing internal voices: the hyper-optimist who wants to go all-in on an exciting growth story, and the hyper-skeptic who gets paralyzed by uncertainty or cut positions at the first sign of discomfort. Managing these emotional extremes isn't just about discipline—it requires a practical, repeatable framework to audit your portfolio without letting fear or greed make the call. In this episode, Stephen and Andrew break down how to take your emotional temperature, navigate the trap of portfolio indifference, and build systematic guardrails before market volatility makes the decision for you. What You Will Learn The "24-Hour Rule" for new ideas: Why forcing a mandatory cooling-off period stops shiny object syndrome from ruining your capital allocation. Fantasizing vs. Real-World Probability: How to spot the exact moment you start reverse-engineering excuses to sell proven winners for an unproven stock. The Danger of Portfolio Indifference: Why being completely emotionless can blind you to compounding multi-bagger potential (and make you cut winners too early). The "Coffee Can Portfolio" Paradox: How doing absolutely nothing frequently outperforms active portfolio management and market timing. Building a Proactive Monthly Audit: Why writing down a simple pros-and-cons framework eliminates reactive, panic-driven trades. Timestamps 00:00:00 Managing the two emotional extremes of investing: Over-hyped vs. Hesitant 00:05:36 The "24-Hour Rule": Stopping shiny object syndrome before buying 00:06:45 Recognizing internal red flags: Portfolio fantasizing and premature trimming 00:11:05 Managing stagnant holdings: The Crocs (CROX) & HeyDude acquisition case study 00:15:03 The power of inversion: Finding counter-arguments for stuck or flat positions 00:22:30 The "Coffee Can Portfolio" concept: Why inaction beats active churning 00:26:00 Building a proactive monthly audit checklist to eliminate reactive trades 00:29:40 The hidden risk of total indifference: How cold logic can cut a 100-bagger short 00:37:30 De-pumping hype: Filtering social media excitement vs. fundamental growth 00:40:35 The power of writing it down: Recording thesis notes to audit emotional decisions Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc. Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com. Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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AAR63 - The Bottom Hits - What Most People Miss in Their Finances 18.08.2026 55minWe all know the "top hits" of personal finance, but what about the silent wealth killers? In this episode of At Any Rate, Evan and Andrew break down six common financial traps that are incredibly easy to fall into, regardless of your income. From the dangers of letting your budget rot and relying on sheer willpower, to the sneaky reality of lifestyle creep and the false economy of "buying cheap," the guys unpack the behavioral blind spots holding you back. Plus, Evan shares a recent auto-pay scare that proves why you can never fully take your eyes off your checking account. What You Will Learn Budget Stagnation: Why your internal "rule of thumb" for prices is probably lying to you due to inflation, and why you need to adjust your budget 1-2 times a year. The Stagnant Money Trap: Why keeping all your cash in a single checking account is not only costing you interest, but actively encouraging you to overspend. The 60/40 Raise Rule: A simple framework for enjoying a salary bump without falling victim to lifestyle creep. Beating Decision Fatigue: Why relying on financial willpower is a losing game, and how to automate your savings out of sight. The Sinking Fund Solution: How to use dedicated savings buckets (like SoFi Vaults) to cover unexpected credit card spikes without draining your checking account. Frugal vs. Frivolous: Why spending up for quality is often cheaper in the long run than buying bargain-bin items that break. Timestamps 0:00 – The Concept of "Bottom Hits" 3:23 – Trap 1: Not Adjusting Over Time (Why mental budgets fail against inflation) 10:04 – How Andrew manages shifting budgets as a self-employed business owner 12:59 – Trap 2: Keeping Money Stagnant in One Place (The checking account trap) 15:55 – Using HYSAs and "Vaults" to protect your money from yourself 21:43 – Trap 3: Not Paying Enough Attention (Evan's IRS auto-pay scare) 26:18 – How sinking funds can save you from credit card statement shock 32:44 – Trap 4: Earn More, Spend More (Combating Lifestyle Creep) 35:58 – Evan's 60/40 Rule for raises, bonuses, and found money 38:40 – Trap 5: Relying on Willpower (Decision fatigue and self-sabotage) 44:06 – The Cash Envelope System vs. Digital Automation 48:30 – Trap 6: Buying Cheap to Save Money (The false economy of cheap goods) Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/ Email Evan: [email protected] Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Today’s show is sponsored by: Download the Plynk app today to start building your investing confidence. https://plynkinvest.app.link/IFBpodcast Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting https://quince.com/beginners Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at https://whatnot.com/sell Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at https://notion.com/investing Interested in how your company sponsor the show? Reach us at [email protected] SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices
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