We're getting back to basics with some Investing 101 and money psychology. We'll discuss what first-time self-directed investors need to know to get started on your investing journey and good concepts for all investors to think about in their investing strategy...and we'll go over some important jargony terms to easily understand, so that you don't get overwhelmed. 

Investing involves risk, but that doesn't mean you should be afraid to learn how to make your money make money! We can all do it. Your knowledge compounds just like your money can and so many barriers to entry have already been broken!

Things to remember:

*Time in the market is better than timing the market.

*The stock market hates uncertainty (creates volatility).

*Compound interest and dollar cost averaging are great terms to understand that help you invest wisely, well, and often.

Reference Episodes:

12. How to Invest in the Stock Market (Step-by-Step)

2. Understanding the Stock Market

9. How to Choose a Brokerage Firm

34. Investing Jargon, Demystified10. How to Read a Stock Quote14. How to Analyze a Stock

24. Pay Yourself First

29. Investment Risk Tolerance

56. How to Construct a Portfolio (Asset Allocation)

Learn the Stock Market Spotify Playlist:

https://open.spotify.com/playlist/24h9lLqD2bQtDWI9blIHt2?si=dQulbTVzRjKTYU8dCXdKvA

YouTube Playlist:

https://www.youtube.com/watch?v=VlOcmj29eH4&list=PL1cksAY5UwYk71iaOlbXMc7L06JrUAJl8

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👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠
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✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠
Funny Finance Shirts and Merch

About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.

Important Disclosures:
Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a l...

We are diving into Warren Buffett’s latest shareholder letter for 2024—so you don’t have to! We’ll break down his biggest takeaways in plain English for you: why Berkshire Hathaway is sitting on a mountain of cash, what Buffett’s recent stock moves say about the market, and how his long-term investing mindset has helped him beat Wall Street for decades.

Plus, we’ll talk about his bets on Japan, why he openly admits to making mistakes (unlike most CEOs), and what Berkshire’s future looks like as Greg Abel gets ready to take the reins. If you’ve ever wanted to invest like the Oracle of Omaha, this episode is packed with insights you can actually use.

All Berkshire Hathaway Letters to Shareholders:

https://www.berkshirehathaway.com/letters/letters.html 

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✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠
Funny Finance Shirts and Merch

About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.

Important Disclosures:
Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a l...

This is an advanced episode, but also a very important episode to help you understand market mechanics and put another piece together in the stock market puzzle we are conquering - with education! We gave you a few replay episodes before this one to help you prepare for a heavy dose of knowledge, so buckle up, because we’re about to math real hard. 

What is Margin Trading or Investing?

When you buy a stock on margin, you create the ability to borrow against those stocks. You are required to own a certain percentage of those stocks. Any equity or surplus owned in excess of those percentage requirements, you can create a loan and buy more stocks. A great analogy is a home equity line of credit, or HELOC. But a bit more complicated, because stocks are priced every milisecond, which means requirements change every day, and there are requirements on what you buy with that loan.

Risk Tolerance: High

Margin is extremely risky, it provides leverage which means you can make more than you deposit, but you can also lose more. It magnifies gains and losses. You can easily lose a lot of money with this type of investing, so you really gotta know what you’re getting yourself into with this type of account!

Shorting Stocks Is Extremely Risky

We’ll also discuss the trends on social media around shorting Meta stocks and others and how easily you can lose money quickly when attempting those kinds of trades. 

Support the show

Ask Us a Question, Leave a Review, Follow, Subscribe:
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👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠
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✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠
Funny Finance Shirts and Merch

About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.

Important Disclosures:
Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a l...

We are revisiting Episode 42, originally aired July 26, 2024, where we look at how AI Power Grid Pressure can also be a headwind to consider in your long-term AI investing strategy. Start with our AI Portfolio and Investment Thesis discussed in ⁠Episode 21⁠ to understand the full AI investing picture.  According to our very own Jess Inskip, "The real ‘P/E Risk’ isn't overhyped price to earnings. The risk is price to energy." (Get it? That's a P/E Ratio joke 👻) Most of us are invested in AI, whether we know it or not because the S&P 500 is mainly technology.

How Much Electricity Does Generative AI Use?
Nvidia (NVDA) valuations are justified as the hyperscalers are top customers and we are seeing real earnings at incredible profit margins. The earnings potential makes sense. However, the energy consumption and subsequent pressure represent the real risk. Each Blackwell AI GPU sold by Nvidia consumes up to 1200 watts of power, so 3.5mn of them would consume 1.8GW of power in the US alone. (Consensus estimates 3.5b in GPU sales by 2027).

Validate Your Investment Thesis (What you eat, eats.)
Look at the root of the problem with all of this AI grid pressure and see where the solutions might be (as in which companies are coming up with solutions for this bigger issue). "Sustainable AI" is still in it's infancy, but maybe there are some companies out there that are using AI for good and to help come up with solutions to some of these issues? Do your homework. 😉

AI Opportunities (but do your homework)
The grid pressure is a longer-term risk, it does not mean the AI story has peaked yet: Opportunities still exist benefiting NVDA, AVGO, MRVL, AMD, and MU. 

**Remember personal finance is personal, this is not advice. We educate you on how to do your own research to make the right wise investing decisions for yourself.**

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👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠
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✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠
Funny Finance Shirts and Merch

About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.

Important Disclosures:
Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a l...

Y’all asked us for it, here’s your AI update! Yes, we’re talking current landscape of AI investments, AI agents and AGI, of course Nvidia (beyond chips), CapEx Surges, the critical game race, disruption (yes deepseek), earnings, headwinds and more! We always want you to stay informed and help make sure you’re doing your “homework” as we say. Remember, diversification mitigates risk. ;)
 
✨ AI Question to Ponder: The big players in the Artificial Intelligence game are spending money to buy shovels to dig gold…who is selling the shovels?
 
🔮 As always, we’ll define the jargon and demystify it all for you. But if you are still left with questions, please feel free to submit them and we’ll get back to you as soon as we can!

🌟 Watch Jess on Bloomberg
A clip from Jess’ Bloomberg appearance that we discussed: https://www.instagram.com/p/DFvGZjdunpm/?hl=en

🛍 Funny Finance T-Shirts & Hats!
Check out our new Market MakeHer Merch Shop! We’ll keep adding new, fun designs as we come up with them. When you purchase something from our shop, you help us continue our mission of providing REAL investing education for everyone, because everyone should have access to financial literacy! If you have any issues with an order, please email us and we will do our best to resolve them.

Our Other AI episodes:

21. Investing In AI | Building the Investment Thesis

37. Finding AI Stock Investing Ideas…

39. What is a stock split? (the NVDA stock split)

42. AI Under Power Grid Pressure: Price to Energy Ratio

50: SMU: NVDA Earnings, Fed Update…

57. Stock Market Update made with AI from our newsletter

69. Markets Wrapped: 2024 Review

Support the show

Ask Us a Question, Leave a Review, Follow, Subscribe:
🔗All Market MakeHer Links
👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠
✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠
✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠
Funny Finance Shirts and Merch

About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.

Important Disclosures:
Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a l...

This episode was first released on June 24, 2024. We’re replaying it for you for a reason! Think of it as a review of some of last year’s material before we get into all the investing topics we’re going to cover this year. 👩🏼‍🏫👩🏻‍🏫 We share our screen and actually show you how to place different order types at a brokerage firm - you can watch on Spotify or YouTube!

—------------------------------------------------------------------------------

There are so many different ways to buy and sell securities in your brokerage account. What does Bid and Ask mean? What is Stop and Limit Order? What are market orders? How many different Order Types are there and what is the difference? This is your ‘set it and forget it” overview of order types for trading securities through your brokerage firm.

Remember These Things:
Take taxable events into account (capital gains, losses, selling before holding for 1 year, etc.). Don’t try to time the market. This is education, not advice. 😉

 
Limit Order vs Market Order:

Limit Order guarantees price not execution. Market Order guarantees execution.

 
Trading Order Accronyms: 

FOK = Fill Or Kill

GTC = Good Till Canceled 

OTO = One Triggers Other

OTOCO = One Triggers Other Cancel Other

SPX  = S&P 500 Indice Symbol

FINRA has a good explanation of Order Types
 

Related Episodes:

We’ve already gone over Bid and Ask prices and how those market mechanics work in Episode 16 (on Dark Pools, PFOF, Market Makers). You might also like Episode 10 (how to read a stock quote) and Episode 14 (how to analyze a stock for beginners). 😉✨

Support the show

Ask Us a Question, Leave a Review, Follow, Subscribe:
🔗All Market MakeHer Links
👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠
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✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠
Funny Finance Shirts and Merch

About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.

Important Disclosures:
Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a l...

*previously recorded on 03/15/24, but still relevant*  Last week we talked about creating quarterly financial goals with a fun activity, and we thought it would be a good time to also revisit your risk tolerance with this past episode. 

At the time of recording, The Fed still didn’t cut interest rates, but projected they would 3 times, so it was a great time to lock in the higher rates that we saw in fixed income securities (bonds, etc) in the months that followed until rates were finally cut several times the last half of 2024. Did you notice your HYSA interest rate has come down since then? We did prepare you for that, so if you’re not able to stay updated on everything going on in the markets and with The Federal Reserve, you might want to subscribe to the podcast. 😉
——————————————

• What's your investment risk tolerance? (check out the risk pyramid below)
• How are you diversifying your investments in your portfolio?
• Are the interest rates on our high yield savings account coming down?
•What should we do with our cash to make sure it's out-pacing inflation?

Figure Out Your Risk Tolerance

There are lots of quizzes you can do at your brokerage firm or even government sites that help you figure out your risk tolerance for your personal situation.

The higher the risk the higher the reward, BUT, remember that also means there's a higher risk to lose your money. Diversifying is key. 😉

Risk Pyramid

High Risk - On Top

Medium Risk - Middle

Low Risk - On the Bottom

------------------------------

High Risk Investments = Alternative Assets (Options, Futures, and Crypto is the most risky thing you can do with your money)

Medium Risk Investments = Fixed Income (government debt, corporate debt, real estate, blue chip stocks, growth stocks, etc.)

Low Risk Investments = Cash, Cash Equivalents (T-Notes, HYSA, Bonds, Money Markets, etc.) and you can get ETFs or Mutual Funds that have bonds and low-risk securities in them.

Figure out your risk tolerance and let’s see how that might change any of your Q2 goals when we do our Quarterly Financial Check-In! (Check out episode 72 to do your Q1 Financial Planning). 

Support the show

Ask Us a Question, Leave a Review, Follow, Subscribe:
🔗All Market MakeHer Links
👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠
✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠
✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠
Funny Finance Shirts and Merch

About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.

Important Disclosures:
Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a l...

It's the beginning of the year, which means it's time to reset those financial goals, but we're making it more attainable (and fun!) by breaking it all down into a quarterly game. If you happen to have ADHD like us, your brain will thank us. 🧠

This isn’t your typical budget/save/invest talk. In this episode, we kick off our brand-new quarterly financial planning series (name pending, suggestions welcome) with a SMILE—literally. 😁 

You’ll learn why quarterly planning is a game-changer for your finances, how to use our gamified SMILE Bingo Card to set goals and stay on track, and why budgeting isn’t a boring word—it’s your financial foundation (we're building knowledge and breaking barriers, remember?). 

✨Think of it as creating a Vision Board for your finances. ✨

📈 We’ll also give you a quick market update, including retail sales, earnings season expectations, and the ever-important inflation watch.

By the end of this episode, you’ll have the tools (and the bingo card!) to make real progress on your financial goals. Trust us—future you will thank you for this one.

 Free Download 🔽

🎯 Don’t forget to ⁠download the free SMILE Bingo Card⁠ and tag us (@marketmakeHER on TikTok or @marketmakeHERpodcast on Instagram) with your progress, if you feel inclined to share.

🥐 Make it a group activity with your accountabili-buddies or send to a friend. We'll also be checking back each quarter to see how we're all doing. 

🌞 Let’s SMILE our way to financial success in 2025! We'll be checking in with you in Q2! 🌚

Episodes Mentioned:

⁠🔗 Order of Events⁠

⁠🔗 CD Laddering⁠

⁠🔗 Market Broadening⁠

⁠🔗 Market Capitalization

Support the show

Ask Us a Question, Leave a Review, Follow, Subscribe:
🔗All Market MakeHer Links
👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠
✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠
✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠
Funny Finance Shirts and Merch

About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.

Important Disclosures:
Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a l...

👋 Have you ever thought about what would happen if TikTok got banned in the U.S. to the stock market or even the impact on the labor market? It’s a hot topic right now as the TikTok ban case is in front of the Supreme Court. In this episode of Market MakeHer, Jess and I are breaking it all down—from the impact on creators like us (and maybe you!) to the ripple effects on small businesses, the gig economy, the labor market and even the stock market. 📉

Here’s what we’re diving into:
✨ How TikTok accelerated "side-hustles" for creators, small businesses, and advertisers
✨ What a ban could mean for stocks like Meta, Google, Shopify, and Snap
✨ The impact of the creator economy across the labor market and if a disruption might lead to something possibly bigger, like a recession

We’re not just reading the headlines; we’re discussing real-life impacts—on your side hustle, your investments, and the economy as a whole. Jess even shares her favorite stocks to watch (not financial advice, of course 😉) and what investors can do to prepare for all this uncertainty.

Support the show

Ask Us a Question, Leave a Review, Follow, Subscribe:
🔗All Market MakeHer Links
👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠
✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠
✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠
Funny Finance Shirts and Merch

About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.

Important Disclosures:
Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a l...

This week, we’re diving into the key market themes of 2025—what’s shaping up to be a monumental year for self-directed investors. We’ll unpack the trends driving infrastructure investment, tariffs with a twist, deregulation fueling innovation, and the evolution of retail trading.

This episode is packed with actionable insights to help you navigate 2025’s most important stock market predictions. From infrastructure to innovation, you’ll learn how these themes could shape your portfolio—and discover the questions you should ask as you plan your next investment moves.

Jessica Inskip breaks it all down with her 15 years of expertise, while Jessie DeNuit asks the questions you might be wondering yourself. We also drop hints about what’s ahead this season on Market MakeHer! So, if you’re ready to start the year informed and empowered, hit play now.

Jessie’s Questions:

• What does “modernizing infrastructure” really mean?
• If you already have S&P 500 index funds in your portfolio, are you investing in this trend?
• What other stocks or sectors should you research to diversify?
• Didn’t tariffs tank the market in 2018?
• How is 2025 different, and what’s a “dovish Fed”?
• Can tariffs actually work in the market’s favor this time?
• Does deregulation mean rolling back rules for companies? Could that hurt consumers?
• How does deregulation tie into the AI boom?
• What’s the difference between capital expenditures (CapEx) and operating expenses (OpEx)?
• How might deregulation benefit businesses while balancing innovation and oversight?
• What exactly is retail trading?
• Does 24-hour stock trading mean you can trade anything, anytime?
• Why would anyone trade options at 3 a.m.?
• Is 24-hour trading really a game-changer for investors like you?

Support the show

Ask Us a Question, Leave a Review, Follow, Subscribe:
🔗All Market MakeHer Links
👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠
✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠
✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠
Funny Finance Shirts and Merch

About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.

Important Disclosures:
Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a l...