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The Investing for Beginners Podcast - Your Path to Financial Freedom
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The Investing for Beginners Podcast - Your Path to Financial Freedom episodes
- AAR38: How to Maximize Cash Back and Build Credit from Scratch
You can download Evan’s free budgeting framework here https://einvestingforbeginners.com/budget/
Are you missing out on free money because you're afraid of credit cards, or are you falling into the debt trap of complex point schemes?
In this episode, Evan pulls back the curtain on his highly transparent, personal credit card strategy. He shares the exact four cards he keeps in his wallet, why he completely avoids complex reward points, and the simple habits he follows—like paying off balances weekly and auto-claiming cash back—to safely build credit and get paid for everyday purchases.
Key Topics:
The biggest mistakes beginners make with credit cards, including using them as emergency funds and only paying the minimum balance.
Evan's exact four-card setup and the distinct purpose of each.
Why chasing complex point schemes and sign-on bonuses often causes you to lose money.
The massive hidden benefits of credit card purchase protection and fraud security.
How to safely build credit from scratch, including the power of secured credit cards and authorized users.
Timestamps:
01:50 The danger of using credit limits as spending limits or emergency funds05:51 Why playing complex point games usually doesn't work out07:35 Evan breaks down his personal four-card setup12:56 The hidden benefits of purchase protection and security16:42 Credit mindsets: Paying balances weekly and auto-claiming rewards21:58 Why sign-on bonuses can be a dangerous trap29:17 Exactly what to look for when choosing a new credit card34:18 How to build credit from scratch using a secured cardResources 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:
Go to SHOPIFY.COM/beginners to start selling with Shopify today. https://www.shopify.com/beginners
Download the Plynk app today to start building your investing confidence: https://plynkinvest.app.link/IFB
Go to auraframes.com and use promo code BEGINNERS at checkout to get $35 off https://auraframes.com/
Get your free quote and see how much you could save at SelectQuote.com/beginners
Interested in how your company sponsor the show? Reach us at [email protected]
SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | TuneinLearn more about your ad choices. Visit megaphone.fm/adchoices
42 min - The Hidden Goldmine of Stock Spinoffs with Rich Howe
Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: https://einvestingforbeginners.com/value-spotlight-newsletter/
When a massive company splits and spins off a smaller business, the market often completely ignores it. But what happens when that ignored, newly spun-off company is actually a hidden goldmine?
Today, Andrew sits down with Rich Howe from Stock Spinoff Investing to break down one of the most overlooked, yet profitable, corners of the stock market. We discuss exactly what a stock spinoff is, why parent companies decide to do them, and the weird "forced selling" dynamic that often causes these new stocks to trade at a massive discount right out of the gate.
Key Topics:
- What exactly is a stock spin-off and why do companies do them?
- The "Index Fund Effect" and why forced selling creates artificial discounts.
- How to analyze the management team and debt of a newly spun-off company.
- The changing landscape of the investing industry and building direct relationships with subscribers.
Timestamps:
00:00 - Introduction and welcoming Rich Howe to the show.
01:00 - What exactly is a stock spinoff and why do companies do them?06:44 - How Rich got started with spinoffs and Joel Greenblatt's book "You Can Be a Stock Market Genius".12:49 - Concentrated vs. diversified portfolios, position sizing, and sleeping well at night.16:37 - How to research spinoffs using the Form 10 information statement.19:30 - Prompting ChatGPT to help analyze business models, comparable companies, and risks.28:22 - Serial acquirers, spinoff machines, and analyzing the Danaher and IAC examples.32:09 - Where to find Rich's free calendar, blog, and premium newsletter.Resources Mentioned
The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/
Stock Spinoff Investing Newsletter: https://stockspinoffinvesting.com/
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:
Go to SHOPIFY.COM/beginners to start selling with Shopify today. https://www.shopify.com/beginners
Download the Plynk app today to start building your investing confidence: https://plynkinvest.app.link/IFB
Go to auraframes.com and use promo code BEGINNERS at checkout to get $35 off https://auraframes.com/
Get your free quote and see how much you could save at SelectQuote.com/beginners
Interested in how your company sponsor the show? Reach us at [email protected]
SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | TuneinLearn more about your ad choices. Visit megaphone.fm/adchoices
42 min - Bird's Eye View: Inside GEICO & The Insurance War
Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: https://einvestingforbeginners.com/value-spotlight-newsletter/
Warren Buffett calls it his "Crown Jewel," but how does a company that started by mailing checks to government employees become an insurance giant worth billions?
In this Bird's Eye View episode, Dave and Andrew break down the history and business model of GEICO. They discuss the legendary story of a 20-year-old Warren Buffett banging on the company's doors on a Saturday, the "secret sauce" of insurance float that powers Berkshire Hathaway's investments, and the fierce battle for market share between GEICO, Progressive, and Allstate.
We discuss:
The Origin Story: How GEICO started in 1936 and Buffett’s 1951 discovery.
The Gecko: The $1 billion mascot that was created by accident during a strike.
Insurance 101: Understanding the "Combined Ratio" and why 100% is the magic number.
The Float: How Buffett uses your premium dollars to buy stocks like Apple.
The Turnaround: Why GEICO struggled in 2022 and how Todd Combs fixed the "telemetry" gap.
Timestamps:
00:00 – Intro: Why GEICO is Buffett’s "Crown Jewel"
02:20 – History: The Day Buffett Banged on the Door (1951)
08:14 – The Origin of the Gecko (It was a mistake!)
11:15 – Insurance Metrics: The Combined Ratio Explained
15:00 – The "Faucet" Analogy: Growth vs. Profitability
20:00 – The Turnaround: Todd Combs & The Tech Lag
24:00 – GEICO vs. Progressive vs. Allstate
30:00 – The Secret Sauce: What is "Insurance Float"?
38:00 – Why Boring Businesses Make Great Investments
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:
Go to SHOPIFY.COM/beginners to start selling with Shopify today. https://www.shopify.com/beginners
Download the Plynk app today to start building your investing confidence: https://plynkinvest.app.link/IFB
Go to auraframes.com and use promo code BEGINNERS at checkout to get $35 off https://auraframes.com/
Get your free quote and see how much you could save at SelectQuote.com/beginners
Interested in how your company sponsor the show? Reach us at [email protected]
SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | TuneinLearn more about your ad choices. Visit megaphone.fm/adchoices
47 min - AAR37: Why Chasing "The Number" is Hurting You
You can download Evan’s free budgeting framework here https://einvestingforbeginners.com/budget/
We all see the headlines about the ultra-wealthy, but is becoming a billionaire a realistic—or even healthy—goal for your financial life?
In this episode, Evan and Andrew strip away the glamour of the "three comma club" to discuss why chasing an arbitrary number might actually be sabotaging your wealth-building journey. They break down the staggering math of becoming a billionaire, the toxic side of hustle culture, and why treating wealth like a high score in a video game often leads to burnout, not happiness.
We discuss:
The Math of Billionaires: You have better odds of winning the lottery (1 in 100 million) than becoming a billionaire.Hustle Culture Trap: Why grinding 24/7 is often less productive than taking a break.The "Why" Factor: Moving beyond a number on a spreadsheet to finding what that money actually buys.Tangible Steps: How to transition from dreaming about billions to building a realistic plan that actually changes your life.Timestamps
00:00 – Intro: The Billionaire Discussion
03:00 – The Societal Role of Billionaires: Are they the problem or the goal?
07:11 – The Odds: You are 1,000x more likely to win the lottery than become a billionaire
08:21 – Improving Your Finances (Even if you never hit a billion)
11:58 – Wealth as a Tool vs. Wealth as a Scoreboard
14:08 – The Dark Side of Hustle Culture
22:14 – The First Step
26:12 – The 4% Rule & Calculating Your "Enough" Number
29:35 – Excel vs. Google Sheets (The wrong way to track net worth)
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:
Go to SHOPIFY.COM/beginners to start selling with Shopify today. https://www.shopify.com/beginners
Download the Plynk app today to start building your investing confidence: https://plynkinvest.app.link/IFB
Go to auraframes.com and use promo code BEGINNERS at checkout to get $35 off https://auraframes.com/
Get your free quote and see how much you could save at SelectQuote.com/beginners
Interested in how your company sponsor the show? Reach us at [email protected]
SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | TuneinLearn more about your ad choices. Visit megaphone.fm/adchoices
33 min - Share Classes Explained: Class A vs. Class B & Voting Rights
Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: https://einvestingforbeginners.com/value-spotlight-newsletter/
Most investors buy a stock and assume they own a piece of the company. But do they actually have a say in how it’s run?
In this episode, Dave and Andrew break down the often-overlooked world of Share Classes (Class A vs. Class B) and what they mean for your rights as a shareholder.
Inspired by a listener question, the guys explain why companies like Berkshire Hathaway, Google, and Meta split their shares, how founders maintain total control even with minority ownership, and what "Activist Investors" like Bill Ackman actually do to force change.
We discuss:
Economic Rights vs. Voting Rights: Who is actually driving the bus?
The "Founder Control" Model: How Mark Zuckerberg controls Meta despite owning less than 100% of the company.
Berkshire Hathaway: Why Warren Buffett created a stock that costs $715,000 per share.
Google's Tickers: The difference between GOOG (no vote) and GOOGL (voting).
Red Flags: How to spot a "captured board" in the Proxy Statement.
Activist Investors: How funds buy their way onto a board to fire the CEO.
Timestamps
00:00 – Intro: Does your vote count?
01:18 – What are Share Classes?
03:40 – The "Bus Driver" Analogy: Voting vs. Economic Rights
08:53 – Why Founders Want Control
13:18 – Berkshire Hathaway: Class A vs. Class B Explained
17:12 – The Huge Red Flag: CEO Compensation Committees
20:03 – Google’s 3 Tickers (GOOG vs. GOOGL)
22:04 – Elon Musk & Tesla’s Share Structure
31:15 – What is an "Activist Investor"?
36:02 – The Investor’s Checklist: How to read a Proxy Statement
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:
Go to SHOPIFY.COM/beginners to start selling with Shopify today. https://www.shopify.com/beginners
Download the Plynk app today to start building your investing confidence: https://plynkinvest.app.link/IFB
Go to auraframes.com and use promo code BEGINNERS at checkout to get $35 off https://auraframes.com/
Get your free quote and see how much you could save at SelectQuote.com/beginners
Interested in how your company sponsor the show? Reach us at [email protected]
SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | TuneinLearn more about your ad choices. Visit megaphone.fm/adchoices
46 min - The 5 Steps to Wealth: How to Build a Financial Foundation in 2026 (w/ Andrew Giancola)
Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: https://einvestingforbeginners.com/value-spotlight-newsletter/
Most people think financial freedom requires a lifetime of strict budgeting and misery. But what if the secret isn't cutting coupons, but building a system that manages your money for you? In this episode, we break down the exact roadmap to automating your wealth.
Andrew sits down with Andrew Giancola, host of the Personal Finance Podcast and founder of Master Money Academy, to discuss his "Wealth Builder Journey." They dive deep into the 5 phases of building wealth, from establishing a rock-solid foundation to optimizing your portfolio for early retirement. Andrew shares his "1-3-6" method for emergency funds, his favorite ETFs for long-term growth, and why your savings rate matters more than your investment returns.
Key Topics:
- The 5-Phase Wealth Builder Journey
- The 1-3-6 Method
- Automation is King
- ETF Strategy
- The Retirement Number
Timestamps:
00:00 Intro: Welcome back Andrew Giancola06:05 The "Wealth Builder Journey" Explained (Foundation Phase)08:52 The 1-3-6 Method for Emergency Funds10:07 Why You Must Calculate Your Retirement Number Annually17:41 The Blueprint Phase: Reverse Budgeting vs. Zero-Based Budgeting20:10 Automating Your Money (The "Easy Button")27:39 Andrew’s Favorite ETFs & Portfolio Strategy32:00 The Simple Math Behind Early Retirement35:28 The Power of Community in Building WealthTimestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.
Resources Mentioned:
The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/
The Personal Finance Podcast: https://thepersonalfinancepodcast.com/
Master Money Academy: https://mastermoney.co/Monarch Money (Budgeting Tool): https://www.monarch.com/Social Security Estimation: https://www.SSA.govHave 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.
Today’s show is sponsored by:
Go to SHOPIFY.COM/beginners to start selling with Shopify today. https://www.shopify.com/beginners
Download the Plynk app today to start building your investing confidence: https://plynkinvest.app.link/IFB
Go to auraframes.com and use promo code BEGINNERS at checkout to get $35 off https://auraframes.com/
Get your free quote and see how much you could save at SelectQuote.com/beginners
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
45 min - AAR36 - (How) Do Hobbies Fit Into Financial Success?
You can download Evan’s free budgeting framework here https://einvestingforbeginners.com/budget/
We all have passions that cost money. In this episode of At Any Rate, Evan Raidt and Dave Ahern dive into the "Coffee vs. Wine" complexity debate and break down exactly how to fit expensive hobbies into a healthy financial life.
They cover the "Trade-Down" method for enjoying luxury on a budget, why you must account for "ongoing costs" (like maintenance and beans), and the horror stories of what happens when you go into debt for your passions.
Topics Covered:
The Great Debate: Dave calls "BS" on coffee having more complexity than wine.
The "Rich Life" Mindset: Why cutting out all joy is the fastest way to fail at budgeting.
The "Trade-Down" Strategy: How to find 90% of the quality for 20% of the price.
Hidden Costs: Why the espresso machine is just the down payment.
The Golden Rule: Never, ever go into debt for a hobby.
Timestamps:
00:00 Intro
03:58 Dave calls BS on Coffee vs. Wine complexity
06:22 Why you NEED hobbies to sustain a budget
11:07 The "Trade-Down" Strategy (Getting value for less)
16:08 Don't forget the "Ongoing Costs"
25:22 Hobbies that can earn or save you money
27:29 The Golden Rule: No debt for hobbies
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:
Go to SHOPIFY.COM/beginners to start selling with Shopify today. https://www.shopify.com/beginners
Download the Plynk app today to start building your investing confidence: https://plynkinvest.app.link/IFB
Go to auraframes.com and use promo code BEGINNERS at checkout to get $35 off https://auraframes.com/
Get your free quote and see how much you could save at SelectQuote.com/beginners
Interested in how your company sponsor the show? Reach us at [email protected]
SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | TuneinLearn more about your ad choices. Visit megaphone.fm/adchoices
39 min - How to Find the Best Stock Ideas in 2026
Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: https://einvestingforbeginners.com/value-spotlight-newsletter/
How do you find the next great stock idea in 2026? Is it through a complex screen, a tweet, or just walking through the mall?
In this episode, Andrew and Dave discuss their favorite strategies for sourcing investment ideas. They cover how to utilize podcasts for deep dives into business models, curating a social media feed for high-quality analysis, and the "Peter Lynch" style of observational investing. They also debate the value of stock screeners versus cloning super-investor portfolios.
Key Topics Covered:
Using podcasts and founding stories (e.g., Shoe Dog) to understand industries.
Curating social media (Twitter/X) to follow quality analysts.
Reading 10Ks, earnings calls, and "boring" materials for insights.
Finding ideas in everyday life (Build-A-Bear, Lululemon example).
Stock Screeners: Fiscal.ai vs. Finviz.
Cloning portfolios and tracking super investors.
Timestamps:
00:42 – Podcasts as Idea Sources
03:42 – Finding Ideas on Social Media
11:53 – Reading & Research
16:52 – Observational Investing (Everyday Life)
22:22 – Stock Screeners
26:16 – Cloning Portfolios
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:
Go to SHOPIFY.COM/beginners to start selling with Shopify today. https://www.shopify.com/beginners
Download the Plynk app today to start building your investing confidence: https://plynkinvest.app.link/IFB
Go to auraframes.com and use promo code BEGINNERS at checkout to get $35 off https://auraframes.com/
Get your free quote and see how much you could save at SelectQuote.com/beginners
Interested in how your company sponsor the show? Reach us at [email protected]
SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | TuneinLearn more about your ad choices. Visit megaphone.fm/adchoices
38 min - Back to the Basics: 8 Simple Metrics That Beginner Investors Should Know
Want to get our best investing ideas each month? Join the Value Spotlight newsletter here: https://einvestingforbeginners.com/value-spotlight-newsletter/
When you first look at a stock quote on Yahoo Finance or any financial app, it can feel like reading a foreign language. What is a "Beta"? Is a high P/E good or bad? And does a high dividend yield actually mean you'll make money?
In this episode, Andrew and Dave demystify the most common financial metrics you’ll encounter as a beginner. They break down the "Big Three" valuation ratios (P/E, P/S, P/B), explain how to assess a company’s size and volatility, and reveal why the Dividend Payout Ratio is often more important than the yield itself.
Key Topics Covered:
The "Big Three" Valuation Metrics: Understanding Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B).
Dividend Yield vs. Payout Ratio: Why a high yield can be a "trap"
Market Capitalization: How to quickly judge the size and stability of a company
Beta (Volatility): Using this metric to understand how much a stock might move
Context is King: Why you can't look at these numbers in isolation
Timestamps:
02:15 – Why financial jargon feels like a barrier (and why you need to learn it)
04:30 – Price-to-Earnings (P/E) Ratio: The most popular metric explained
10:15 – Price-to-Sales (P/S) Ratio: Valuing companies that aren't profitable yet
15:45 – Price-to-Book (P/B) Ratio: When to use it (banks/insurance) vs. when to ignore it (tech)
21:10 – Dividend Yield: The "interest rate" of your stock
25:50 – The Payout Ratio: The crucial safety check for dividend investors
31:20 – Market Capitalization: Understanding the difference between a giant and a startup
36:05 – Beta: Measuring risk and volatility relative to the S&P 500
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:
Go to SHOPIFY.COM/beginners to start selling with Shopify today. https://www.shopify.com/beginners
Download the Plynk app today to start building your investing confidence: https://plynkinvest.app.link/IFB
Go to auraframes.com and use promo code BEGINNERS at checkout to get $35 off https://auraframes.com/
Get your free quote and see how much you could save at SelectQuote.com/beginners
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
46 min - AAR35 - Fluctuations in Income: How to Adapt
You can download Evan’s free budgeting framework here https://einvestingforbeginners.com/budget/
Income changes are coming—positive or negative. In this episode of At Any Rate, Evan Raidt and Andrew Sather break down how to handle income fluctuations (raises, bonuses, commission swings, job changes, and pay cuts) without blowing up your plan.
They cover what to do when income goes up, what to do when income goes down, and how to plan ahead if your income is unpredictable. They also talk through how to handle income changes as a couple, including proportional contributions and communicating real numbers fast.
Topics Covered:
How to handle raises without lifestyle creep
How to handle income drops with a “minimum viable budget”
Why writing down your budget is the highest ROI 30–45 minutes you can spend
How to handle income changes in a relationship (proportional contributions)
How to budget for fluctuating income with a buffer + predetermined buckets
Timestamps:
00:35 What counts as income fluctuations (raise, bonus, commission, layoffs)
01:43 The goal: flexibility instead of prediction
03:05 Andrew’s “double raise” story + lifestyle creep (truck)
07:33 Delay spending changes after a raise (2–3 months)
08:58 Spend only a set portion of the raise (ex: $30–$40 of $100)
10:52 Handling decreases as a cash flow problem (not personal failure)
14:57 Minimum viable budget: strip down to needs
17:23 First budget setup time estimate (30–45 minutes)
21:56 Don’t “cut cold turkey” without a plan
26:20 Budgeting as a couple + budgeting framework link
38:36 Budgeting for fluctuating income: lowest reliable income + buffer + buckets
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:
Go to SHOPIFY.COM/beginners to start selling with Shopify today. https://www.shopify.com/beginners
Download the Plynk app today to start building your investing confidence: https://plynkinvest.app.link/IFB
Go to auraframes.com and use promo code BEGINNERS at checkout to get $35 off https://auraframes.com/
Get your free quote and see how much you could save at SelectQuote.com/beginners
Interested in how your company sponsor the show? Reach us at [email protected]
SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | TuneinLearn more about your ad choices. Visit megaphone.fm/adchoices
52 min
About The Investing for Beginners Podcast - Your Path to Financial Freedom
From the publisher's feed
The Investing for Beginners Podcast teaches you how to buy your first stocks and build long-term wealth in the stock market— without the hype or confusing jargon.
Hosts Andrew Sather and Stephen Morris break down value investing fundamentals into plain English: how to read financial statements, value a company, avoid common beginner mistakes, and build a long-term portfolio you can actually stick with.
Plus, in our At Any Rate episodes with host Evan Raidt, we tackle the personal finance side of wealth building— paying off debt, budgeting, saving, and the money debates every household faces before (and while) investing.
Stop chasing "get-rich-quick" schemes and start building your path to financial freedom, one episode at a time. Follow for more.
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