We’ve been conditioned to believe that home ownership will save us money, give us security and make us successful in life.

It's toted as one of the best investments you can make. But after running the numbers, that couldn’t be further from the truth.

The gap between buying and renting is bigger than it’s ever been. And when you add up all the extra costs and consider the hidden obligations, it feels more like a trap... especially when you realize most of your mortgage payments went towards interest instead of equity. 

If you're someone who's thinking about taking the home buyer plunge, you need to listen to this episode. We don't want you mortgaging your future wealth.

They even have a credit card that gives you cash back on rent!

For a more detailed summary of this episode, click here.

We value your feedback, so drop us your comments here. (no email required) 

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

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Regardless of whether you legit spend all your wages on essentials or because you really just don’t want to cut back on those discretionary expenses, if you're having trouble finding money to invest, we've got 2 ways to solve this.

The first is to use credit cards responsibly to take advantage of cash back. Credit cards aren't bad if you pay them off every month. There are no fees or interest when you don't carry a balance, and you earn money for spending in different categories. 

The other way is to invest your tax refund instead of using it as bonus spending money. 

If you combine these two things (based on the average American's spending and earnings), you can turn that money into over $600k in 30 years. The other option is to cut back on $300 worth of spending each month. 

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

A lot of people put off doing the things they dream of until retirement. But what happens if you don’t make it that long?

The Data shows a higher probability than you might think of people dying before 65. 

No one really knows when you’ll go. That's why you should plan for the worst by investing so you can go tick off your bucket list items before it’s too late.  

If you need a refresher on the stocks Tim thinks are good for 2024 based on macro trends, listen to these 3 episodes.

• Utilities - Episode 33
• BDCs - Episode 31
• REITs - Episode 30

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

If you’re in the process of building a new portfolio or improving the one you already have, this episode is for you.

Tim outlines what he considers to be the best evergreen stocks for everyone to start investing.

Yes prices vary, but if you wait to pick up shares when a stock’s P/E is below its peers, you’ll hedge in a margin of safety.

You'll pick 1 stock in each sector, working your way down the list. All the options and details are covered in this post. 

If you follow my suggested stock recommendations, your portfolio will look like this. 

• JEPQ 
• UTF 
• PDI 
• XOM 
• ABR 
• MAIN (but HTGC or ARCC works too)
• MO or MMM

If you disburse your money equally (14.3% of your total into each), your portfolio would yield about 10%. 

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

Is deciding which type of investing account to open holding you back? And what about the retirement options your employers has?

It can get confusing pretty fast. You've got Retirement and Non Retirement Accounts; Traditionals and Roths; 401(k)s and IRAs. 

So today we’ll look at the important aspects of each type and why you should pick one over another. 

Our strategy to set you up for success goes like this. 

Step 1: Get at least $1,000 into a savings account that yields at least 4%. Come back later and boost this up to 3-6 months of bare bones living expenses. 

• Sofi (get $25 if you sign up through our link and an extra $300 if you set up direct deposit) 
• Worthy (get a free $10 bond if you sign up through our link)
•  HYSA

 Step 2: Open a Roth IRA and commit to at least $100 a month. Unless your employer has a matching option, then contribute to their 401(k) only to their matching amount. 

Step 3: Open a non retirement brokerage account at a company that suits your needs. 

Then contribute monthly funds in an appropriate allocation to reach your goals. 

Example: If you plan to retire at 50 and have $400 per month to contribute, put $300 into your non retirement brokerage account and $100 into your Roth IRA every month. 

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

There are so many investing resources available, but not all of them are worth your time or money. 

Since Tim's subscribed to many he can tell you exactly which ones to go with. And don’t worry, most of these are free so you can put your hard earned money into investments. 

If you're just starting out or don't want to be overwhelmed by info, Tim recommends these 2 resources first. 

• Dividend Channel
• Contrarian Outlook

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

It can be hard to decide which brokerage company to go with when there's so many choices. And when you're new to investing, you may not realize which features are important and which ones aren't. 

This episode breaks down the different things to look for in your brokerage company and what attributes you may need to consider or rule out contenders based on your needs. 

For us, research, tools, access to different investments and easy site navigation are the most impoartant things. But we do cover several others like which brokerages have a low cost of entry if you have very little money to invest. 

Our to 6 brokerage companies:

1. Charles Schwab (TD Ameritrade is merging into them) - best brokerage for tools and research. Also has great robo advising and checking/debit services.
2. Sofi - best one-stop shop for all things finance.
3. Fidelity - best big brokerage with a great app. They have great robo advisory services and the most options for fractional shares.
4. E-Trade - best brokerage for those who favor bonds and want access to leading expert articles about the markets.
5. Robinhood - best small brokerage app. 
6. Vanguard - best brokerage for those who favor index funds.

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

We're in the middle of some major technology innovations that will change life as we know it. With each, there's opportunities that early adopters profit from.  

Those who resist out of fear or a lack of understanding will have a much harder time catching up when they realize these technologies aren't just blips on the radar. Don't be one of the people who that misses what might be the biggest wealth building techs of our lifetime. 

Two cryptos Tim mentioned that have innovative prospects. 

• GFT
• FIL

Don't put off investing in crypto until after the bull run. Sign up for Coinbase today. 

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

Everyone talks about dividend aristocrats but did you know there’s actually 5 other categories? The aristocrats only fall in the middle and have metrics that by definition make them trendy growth stocks, which isn't what we're looking for. 

The main thing to focus on with these dividend categories is how many years of dividend growth they need to get the title. 

When you invest in great stocks that consistently increase their dividends, you inherently reduce the risk of your investing portfolio.  

Dividend Achievers have raised their dividends for at least 10 years plus other metrics (400 total).

• PFE 
• BMY
• CTO
• EPD

Dividend Contenders have raised their dividends for at least 10 years (340 total).

• ABR
• NEP
• VZ

Dividend Aristocrats have raised their dividends for at least 25 years plus other metrics  (68 total). 

• O
• CVX
• LEG

Dividend Champions have raised their dividends for at least 25 years (150 total).

• MMM
• ES 
• ALB

Dividend Kings  have raised their dividends for at least 50 years (50 total):

• MMM
• MO
• ADM

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

Ever wonder why some companies keep going up in price and others struggle? It boils down to a few things, one of them being their competitive advantage. 

Once a business has a hit product or service, everyone and their mom tries to copy them. But sometimes others can’t duplicate those wins for various reasons which is what they call a moat. 

Today we cover 7 different kinds of moats to give you an advantage when it comes to picking stocks. 

Stocks that have moats and are undervalued right now.

• MMM
• VZ
• PFE
• MO
• PM
• BTI

Many moat stocks don't pay a dividend because they're growth stocks, but you can invest in them in other ways like YieldMax™ ETFs or DOGG.  

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.