Dollars & Decisions

8 Beginner Investing Mistakes I'll Never Make Again (After 10 Years of Experience)

This is how I would build a stock portfolio if I could start all over again! There are 8 key tips that we go over in this episode. Enjoy and comment below your favorite tip.

Should You Pay Off Your Mortgage Early or Invest? | Financial Advisor Explains

In this Episodes, we go over the best way to go about where to put your excess cash when you have an existing mortgage. What is the optimal decision? Is it really smarter to invest the money instead of paying off the home? What are the other intangible factors? All that will be answered today.

What Percent of Your Income Should You Invest?

According to a recent study by Vanguard, the data show us that we as Americans are not investing enough. They looked at 5 million participants who had defined contribution plans, so these are just retirement plans in which the employer and employee contribute together. In this episode we dive into what percent of your income you should be investing in order to retire

Break free from wealth anxiety, get-rich-quick fantasies, conspicuous consumption, money shame and other extreme distorted perceptions of money. Cultivate an objective, peaceful long-term mindset toward wealth, acting as the spiritual core of the podcast.

Reject two extreme harmful money mindsets:

1. Speculative get-rich-quick mentality:

Obsession with short-term doubling returns, overnight wealth, insider information and high-interest arbitrage while ignoring underlying risks.

2.Evasive & inferior mindset about money:

The false belief that wealth management is only for the rich, or that talking about money is vulgar, leading to deliberate avoidance of financial planning and sustained cycles of debt and living paycheck to paycheck.

3.Three core pillars of rational wealth cognition:

Wealth accumulates gradually; risk-free instant fortune does not exist.

Money carries no inherent good or evil — it is a medium to gain life options. Avoid comparing asset figures with others; prioritize financial plans that fit your own lifestyle.

All wealth-related actions are guided by replicable, self-consistent personal financial thinking frameworks, rather than rumors, impulses, herd mentality or speculation. This serves as the fundamental behavioral foundation of all podcast content.

1. Distinguish blind speculation from active independent decision-making: Most retail investors manage money passively — chasing trending funds, increasing positions amid market rallies, or pouring savings into products hyped online without any independent judgment. This value advocates a complete decision-making workflow for every monetary move: gather valid information → assess personal risk tolerance → calculate costs and potential returns → set loss/profit limits → conduct post-event review.
2. Covers all real-life financial scenarios, not limited to stock trading or fund investment: salary negotiation, mortgage & auto loan selection, insurance allocation, consumption trade-offs, side business investment, savings planning and asset allocation.
3. Core logic: Money is merely a tool, while decision-making capability is your permanent wealth moat. Market trends and product yields are out of your control, yet your personal decision process can be continuously optimized. The podcast refuses to share stock picks, recommend financial products or predict market ups and downs; it only delivers universal thinking frameworks for making sound choices.

Stock Expert: Becoming Rich Is Simple, But You Won’t Do It!

Will is a Portfolio Manager and Chief Investment Officer for PWL Capital, and evidence-based investing expert who translates academic finance research into practical decisions for everyday people. He is known for using data, behavioral science, and simple frameworks to help people build wealth without falling for the traps of the financial industry.

He explains:

◼️Why investing has already been “solved”

◼️How your brain quietly ruins your long-term financial decisions

◼️Why checking your portfolio too often can make you poorer

◼️Why buying a home is not always the smart investment people think it is

◼️Why young people may not need to save as aggressively as they’re told

◼️How to use money to build a better life, not just a bigger bank account

◼️The biggest financial mistakes that destroys your financial future

This is Episode 4 of 4.

Stock Expert: Becoming Rich Is Simple, But You Won’t Do It!

Will is a Portfolio Manager and Chief Investment Officer for PWL Capital, and evidence-based investing expert who translates academic finance research into practical decisions for everyday people. He is known for using data, behavioral science, and simple frameworks to help people build wealth without falling for the traps of the financial industry.

He explains:

◼️Why investing has already been “solved”

◼️How your brain quietly ruins your long-term financial decisions

◼️Why checking your portfolio too often can make you poorer

◼️Why buying a home is not always the smart investment people think it is

◼️Why young people may not need to save as aggressively as they’re told

◼️How to use money to build a better life, not just a bigger bank account

◼️The biggest financial mistakes that destroys your financial future

This is Episode 3 of 4.

Stock Expert: Becoming Rich Is Simple, But You Won’t Do It!

Will is a Portfolio Manager and Chief Investment Officer for PWL Capital, and evidence-based investing expert who translates academic finance research into practical decisions for everyday people. He is known for using data, behavioral science, and simple frameworks to help people build wealth without falling for the traps of the financial industry.

He explains:

◼️Why investing has already been “solved”

◼️How your brain quietly ruins your long-term financial decisions

◼️Why checking your portfolio too often can make you poorer

◼️Why buying a home is not always the smart investment people think it is

◼️Why young people may not need to save as aggressively as they’re told

◼️How to use money to build a better life, not just a bigger bank account

◼️The biggest financial mistakes that destroys your financial future

This is Episode 1 of 4.

This is Episode 2 of 4.

Stock Expert: Becoming Rich Is Simple, But You Won’t Do It!

Will is a Portfolio Manager and Chief Investment Officer for PWL Capital, and evidence-based investing expert who translates academic finance research into practical decisions for everyday people. He is known for using data, behavioral science, and simple frameworks to help people build wealth without falling for the traps of the financial industry.

He explains:

◼️Why investing has already been “solved”

◼️How your brain quietly ruins your long-term financial decisions

◼️Why checking your portfolio too often can make you poorer

◼️Why buying a home is not always the smart investment people think it is

◼️Why young people may not need to save as aggressively as they’re told

◼️How to use money to build a better life, not just a bigger bank account

◼️The biggest financial mistakes that destroys your financial future

This is Episode 1 of 4.