👋 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.

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👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀
✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨
✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ ✨

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 licensed financial advisor before making investment decisions.

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?

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

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 licensed financial advisor before making investment decisions.

Can you believe it’s already the end of 2024? What a year it’s been! In this episode of Market MakeHer, Jess and I look back at all the major events that shaped the stock market this year. From the AI led rally to the Fed finally cutting rates, we’re breaking it all down.

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Here’s what we’re covering:

• How interest rates, inflation, and unemployment shaped the economy.
• The AI narrative and why big tech couldn’t carry the market alone.
• The best- and worst-performing sectors of the year (spoiler: Energy did not have its moment).
• Why Fed policy was behind most of the year’s biggest market moves.

This is your ultimate highlight reel of 2024—perfect for anyone who wants to feel smarter about the market and ready to tackle 2025. Whether you’re a beginner like me or a market pro like Jess, we’ve got you covered.

🎙 Episodes Referenced: 

• ⁠26. Stock Market Update: Earnings Report Card⁠
• ⁠45: What is Market Breadth?⁠
• ⁠47. The Recipe for a Market Sell-Off⁠
• ⁠51. What is the Business Cycle?⁠ 
• ⁠53. The Fed Cut Interest Rates: Prepare for Landing⁠
• ⁠54. How to Find Sector Investing Opportunities⁠
• ⁠59. What is P/E Ratio and Stock Valuation?⁠ 
• ⁠67. Year-End Personal Finance Tips⁠

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 ✨

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 licensed financial advisor before making investment decisions.

*This content was taken from Episode 35, which was originally recorded in May 2024, but has been edited to mainly focus on the important terms PCE, PPI & CPI to help put into context the new data we are seeing now in December 2024 and how it affects us as consumers, workers, and investors.* 

What Is PCE (Personal Consumption Expenditures)?
The PCE price index is considered The Fed’s preferred index. It’s kinda like how we use the S&P 500 indice to measure the stock market, but it’s a price index that measures specific goods and services and it’s regionalized. Basically, it's a guage on what Americans are spending and helps track inflation. It’s currently +2.8% YOY (October 2024), which is up from +2.7% in September 2024 - not what we want to see, we’d like to see it go down.

Updated Core PCE Link (excludes food and energy)
 

In Episode 15 we explained inflation and learned about PPI & CPI: 

PPI: producer price index = is the perspective of the seller 

CPI: consumer price index = is the perspective of the buyer 

   
Updated PPI Data  

What is the difference between the CPI and the PCE Index?
The CPI measures the change in the out-of-pocket expenditures of all urban households and PCE measures the change in goods and services consumed by all households, and nonprofit institutions serving households.

Dot Plot (summary of economic projections from the FOMC)

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 ✨

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 licensed financial advisor before making investment decisions.

In this episode, Jess Inskip and Jessie DeNuit discuss essential year-end financial strategies, focusing on retirement account deadlines, tax optimization moves, charitable contributions, and even personal finance tips - for all ages and income levels.
 
Be proactive with your financial planning to avoid penalties and maximize tax benefits. You’ll learn various year-end financial strategies, including: 

• FSA and HSA Reminders
• Income Deferral Strategies for Freelancers 
• Employer-Related Benefits and Deadlines
• 529 Plans for the Kids
• Tips for Reviewing Debt and Spending 
• Planning for Future Financial Health

Resources:

IRS Contribution Limits
Required Minimum Distributions (RMDs)
Tax-Loss Harvesting
Charitable Giving Rules
Flexible Spending Accounts (FSA)
Health Savings Accounts (HSA)
529 Education Savings Plans
 

Looking for unbiased, curated financial insights delivered straight to your inbox? Subscribe to the 1440 Business & Finance Newsletter, our trusted sponsor, and elevate your financial literacy—it's free and bi-weekly!
This ad is sponsored by 1440 Business and Finance.

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 ✨

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 licensed financial advisor before making investment decisions.

What is insider trading and what can we learn from the highly-politicized Martha Stewart case regarding illegal insider trading? Find out on this episode of Market MakeHer. 😉
 
Illegal Insider Trading vs Legal Insider Trading

Legal Insider Trading is when company insiders (e.g., executives, employees or majority shareholders) trade their company's stock while following rules and regulations. They must report their trades to the Securities and Exchange Commission (you can search the EDGAR database) to ensure transparency and fairness (we talk about conspiracy theories regarding how people like Jeff Bezos sell off a lot of their shares, but it’s totally legal because they have to report it and it’s all public information that anyone can look up).

Illegal Insider Trading is when someone trades based on non-public, material information that gives them an unfair advantage. This includes tips from employees, confidential sources, or any form of access to proprietary information not available to the public. Like a secret that the public doesn’t know yet that would potentially affect stock prices. Illegal insider trading undermines market fairness and investor trust. This is why finance is so regulated.

👑 Icon and Legend Martha Stewart

Martha was convicted of obstruction of justice, not insider trading itself. Her case serves as a cautionary tale about the importance of transparency and honesty. She did her prison time, made the most of it, and completely rebuilt her brand after her reputation was tarnished. We talk about how she was made as an example and why it’s bad to lie. 😅
 

Reliable Resources on Insider Trading and Fraud:

SEC.gov
Investor.gov

Looking for unbiased, curated financial insights delivered straight to your inbox? Subscribe to the 1440 Business & Finance Newsletter, our trusted sponsor, and elevate your financial literacy—it's free and bi-weekly!
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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 ✨

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 licensed financial advisor before making investment decisions.

What is a bond vigilante? The Batman of the bond market? Kinda. In the last episode, we learned the bond market is the most powerful and influential market. Bond vigilantes are big-time bond investors who can use the power of selling bonds to influence the market and protest against fiscal and monetary policy (basically, they try to put restraints on the government from over-spending and over-borrowing, especially when inflation is high). 

What do bond vigilantes do?
When bond vigilantes sell significant amounts of their bonds, they drive bond prices down and yields up, making it more expensive for debt issuers (companies or governments) to borrow money. They do this to get someone’s attention when they don’t agree with fiscal or monetary policy. 

Pre-Requisites (these episodes are other pieces of the puzzle you need to know):

64. How the Credit Market Influences Your Interest Rates

52. Introduction to Bonds

29. Investment Risk Tolerance (the Risk Pyramid)

18. Understand The Yield Curve…

6. The Fed (who they are & how they work) - this one has good episode equity too

Key Concepts:

* A treasury is a “fixed-income product” common

Looking for unbiased, curated financial insights delivered straight to your inbox? Subscribe to the 1440 Business & Finance Newsletter, our trusted sponsor, and elevate your financial literacy—it's free and bi-weekly!
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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 ✨

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 licensed financial advisor before making investment decisions.

What is the credit market and how does it determine our loan interest rates? It’s actually the same thing as the bond market, and we consumers all participate in it. Join us as we delve into the intricacies of the credit market and how it influences interest rates across various financial products, including credit cards, auto loans, and mortgages. 
 
We will also discuss the yield curve, the role of the Federal Reserve (aka The Fed), and how understanding these concepts can empower consumers to make informed financial decisions. The financial system is interconnected like a giant puzzle. We’re here to help you put all the pieces together and learn how to make the system and your money work for you!
  

Takeaways
✨Interest rates on loans are influenced by the yield curve.

✨The credit market determines interest rates for various loans.

✨The Federal Reserve impacts short-term rates directly.

✨Understanding the yield curve helps in making financial decisions.

✨Consumers can influence the stock market through their spending.

✨Credit card rates are tied to the prime rate, which is influenced by the Fed.

✨Auto loans are typically tied to the middle of the yield curve.

✨Mortgages are related to the 10-year treasury yields.
 
Episodes mentioned:
18. Understanding the Yield Curve 
52. Intro to Bonds

Looking for unbiased, curated financial insights delivered straight to your inbox? Subscribe to the 1440 Business & Finance Newsletter, our trusted sponsor, and elevate your financial literacy—it's free and bi-weekly!
This ad is sponsored by 1440 Business and Finance.

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 ✨

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 licensed financial advisor before making investment decisions.

Now that the U.S. election results are in, we’re discussing the “elephant in the room” - that is, the implications of potential Trump administration policies on the stock market. We’re focusing on tariffs, immigration, tax cuts, deregulation, and the Fed’s role. How will these factors influence market dynamics, inflation, and economic growth? What does it all mean for self-directed investors? 
   
We’ll also define what all these terms mean to help you stay aware of false claims you see on social media (so many videos about tariffs that are getting it wrong). And we’ll discuss the risks of stagflation (new vocab term!) and the historical resilience of the S&P 500. As we all know by now, time in the market is your best strategy and we always encourage our listeners to stay informed and invested for long-term success. 
  
Talk to a financial advisor or at least do a little more investigating before making any rash decisions with your portfolio. We’re always here to educate** and make you fin-fluent, not fin-fluenced. 
  
<3 It's also important for us to say that we are very sympathetic to how these policies can potentially impact human beings and the environment. Our goal in this discussion is to help you be an informed investor so that you can best take care of future you and make your own educated decisions on what you want to do with your money. <3
     
**Education, not advice. Jess Inskip is no longer licensed (but was for 10 years) and Jessie DeNuit has never been licensed and is learning all this stuff with you.
  

Episodes Mentioned:
18. Understand The Yield Curve...
56. How to construct & ma

Looking for unbiased, curated financial insights delivered straight to your inbox? Subscribe to the 1440 Business & Finance Newsletter, our trusted sponsor, and elevate your financial literacy—it's free and bi-weekly!
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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 ✨

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 licensed financial advisor before making investment decisions.

Today we’re learning allllll about IRAs (individual retirement arrangements/accounts) including Roth IRAs, Traditional IRAs, Rollover IRAs and SEP IRAs. You’ll understand contribution limits, tax implications, and eligibility requirements for each account. As always, we aim to empower you with all the knowledge you need to make informed decisions for future you. This is not advice.
    
✨Roth IRAs are best for you if you are in a lower income tax bracket and do not need a tax break, because you are taxed upfront, not later. 

✨Traditional IRAs are best for you if you do not qualify for a Roth, or if you need a tax break… if you qualify for the deduction. The benefits are before tax dollars, offering you a tax break if you are eligible bc you are in a higher tax bracket. 

✨Rollover IRAs you rollover an employer sponsored plan, like a 401k in the plan you want to keep them separate so you can roll it back into a new 401k plan at a new employer. 

✨SEP IRAs are best for small business owners who do not want the complexities of 401ks. There are higher contribution limits, and all contributions are made by the employer.       

Contribution Limits
You have to have taxable compensation and your modified AGI. Beginning in 2024, the IRA contribution limit increased to $7,000 ($8,000 for individuals age 50 or older) from $6,500 ($7,500 for individuals age 50 or older). This stayed the same for 2025.

 Resources: 

Contribution limits: https://www.irs.gov/publications/p590a

SEP IRA FAQ: https://www.irs.gov/retire

Looking for unbiased, curated financial insights delivered straight to your inbox? Subscribe to the 1440 Business & Finance Newsletter, our trusted sponsor, and elevate your financial literacy—it's free and bi-weekly!
This ad is sponsored by 1440 Business and Finance.

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 ✨

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 licensed financial advisor before making investment decisions.