Sign up to save your podcasts
Or
Share The Investing for Beginners Podcast - Your Path to Financial Freedom
Share to email
Share to Facebook
Share to X
Share to email
Share to Facebook
Share to X
Or
The Investing for Beginners Podcast - Your Path to Financial Freedom
Based on Podcast App listening data
The Investing for Beginners Podcast - Your Path to Financial Freedom episodes
- AAR28 - Confident Investing w/ Sean Tepper
You can download Evan’s free monthly budgeting spreadsheet here:
https://einvestingforbeginners.com/budget/In this episode of At Any Rate, Evan Raidt sits down with Sean Tepper, CEO and founder of TYKR, a platform designed to simplify stock analysis and help everyday investors buy and sell with more confidence.
Sean shares how the 2008 crash became his wake-up call, why most beginners get stuck in analysis paralysis, and how TYKR’s “traffic light” system turns a mountain of data into a simple signal: on sale, watch, or overpriced.
Sean also breaks down the “4M Confidence Booster” (math, meaning, moat, management), what signals can help you decide when to sell, and why long-term wealth is built by staying disciplined—especially when the market gets volatile.
Topics Covered:
- The traffic light system: on sale (green), watch (gray), overpriced (red)
- Why analysis paralysis stops new investors from taking action
- The “$100 a week” investing mindset and consistency over time
- Reducing risk with the 4M framework: math, meaning, moat, management
- Individual stocks vs. index funds/ETFs depending on your timeline
Timestamps:
00:00 Intro: Evan welcomes Sean Tepper02:12 From investing frustration to building TYKR
02:56 The “traffic light” concept: simplify 100 data points into a decision
05:00 Analysis paralysis and why beginners freeze
07:00 From Excel stock analysis to software
08:30 Investing vs. trading (and why trading usually loses)
12:17 Treat investing like a “mandatory bill”
15:06 The 4M Confidence Booster: math, meaning, moat, management
20:16 Wealth building (10–15 stocks) vs. wealth protection (funds near retirement)
22:34 Dividend strategy in retirement
24:05 “Easy things get complicated” + staying disciplined
25:29 Why “never skip a month” matters (especially in volatility)
28:58 Recency bias vs. long-term market history
32:02 Where to find Sean + closing
Resources Mentioned:
- TYKR (T-Y-K-R): https://tykr.com/
- Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/
- Email Evan: [email protected]
Have feedback or ideas for Evan? Comment below or email him at [email protected]—your suggestions help shape future episodes.
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.
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
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
39 min - Earnings Smackdown: Snowflake, MongoDB, Salesforce, and the Rise of Discount Retail
Want to go deeper on real companies with simple, long-term investing guidance? Subscribe to the Value Spotlight Newsletter, where Dave and Andrew share stock ideas, valuations, and lessons from real businesses straight to your inbox.
In this episode, Dave and Andrew break down the latest earnings from top SaaS and discount retail companies—Snowflake, MongoDB, Salesforce, CrowdStrike, Dollar Tree, and Five Below. They dig into cloud migration trends, SaaS valuation metrics like the Rule of 40, stock-based compensation, and the impact of economic shifts on discount retailers.
Key Topics Covered:
- Snowflake, MongoDB, Salesforce, CrowdStrike, Dollar Tree, Five Below earnings
- Cloud migration and SaaS business models
- Rule of 40 and SaaS valuation
- Discount retailers’ performance in the current economy
- How to avoid chasing hot industries
Timestamps:
00:00 – Intro: episode overview and earnings call focus
00:00:48 – SaaS breakdown: Snowflake, MongoDB, CrowdStrike, Salesforce00:01:21 – Snowflake’s earnings and cloud migration00:03:24 – Data growth and Snowflake’s niche00:04:27 – Stock performance and IPO context00:06:01 – Salesforce: revenue, margins, CRPO00:07:04 – Rule of 40 explained00:08:00 – Salesforce’s AI products00:09:51 – Acquisitions to profitability00:12:03 – Management credibility and strategy00:13:45 – Stock-based compensation00:15:01 – MongoDB’s cloud shift and AI00:18:35 – Growth, profitability, sector momentum00:20:07 – CrowdStrike earnings and ARR00:22:03 – CrowdStrike’s modules and platform00:24:37 – Retail: Dollar Tree, Dollar General, Five Below00:26:09 – Discount retailer performance00:29:41 – Dollar General, tariffs00:31:35 – Five Below’s growth and strategy00:36:01 – Comparing sectors and metrics00:41:05 – Avoiding hot industry chasing00:41:58 – Closing thoughts and sign-offResources 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
48 min - Semiconductors Demystified w/ Nick Rossolillo: Supply Chain, Cyclicality, and Top Chip Stocks
Want to go deeper on real companies with simple, long-term investing guidance? Subscribe to the Value Spotlight Newsletter, where Dave and Andrew share stock ideas, valuations, and lessons from real businesses straight to your inbox.
In this episode, Dave welcomes Nick Rossolillo from Chip Stock Investor for a deep dive into the semiconductor industry.
They break down what semiconductors are, how the supply chain works, why the industry is so complex, and the critical companies powering technology today.
Nick also shares why “semiconductors are not the new oil,” what’s driving industry growth, and how investors can avoid common mistakes.
Key Topics Covered:
- What is a semiconductor?
- Why the industry is so complex and collaborative
- The AI boom, accelerated computing, and industry growth
- Moore’s Law, 3D stacking, and industry disruption
- How to track supply chain trends and avoid valuation traps
Timestamps:
00:00 – Intro & Nick from Chip Stock Investor01:00 – What is a semiconductor?03:00 – The chip supply chain explained05:30 – Key companies: Synopsys, Cadence, ASML, TSMC, Nvidia, AMD10:00 – How much tech do you need to know as an investor?13:00 – Industry complexity & collaboration16:00 – AI, accelerated computing, and industry growth20:00 – Cyclicality, valuation traps, and supply chain signals30:00 – Moore’s Law, 3D stacking, and future disruptions40:00 – Investing lessons, capital allocation, and staying power45:00 – Where to find more from Nick & Casey47:00 – Sign-off: Invest with a margin of safetyResources Mentioned:
The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/
Chip Stock Investor (Nick & Casey’s research): https://chipstockinvestor.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 | Tunein
Learn more about your ad choices. Visit megaphone.fm/adchoices
54 min - AAR27 - How do I decide how much to save?
You can download Evan’s free monthly budgeting spreadsheet here:https://einvestingforbeginners.com/budget/
In this episode of At Any Rate, Evan Raidt breaks down the practical process of deciding how much to save, spend, and invest—using a clear, percentage-based system that works for any income.
Evan walks through the 50-30-20 rule (and how he tweaks it himself), explains why percentages matter more than dollar values, and shows how to use a real-world budget outline (grab the free sheet here). You’ll learn where to start, how to handle must-have savings like 401k matches and HSAs, and how to prioritize Roth IRAs and high-yield savings accounts with any leftover funds.
Topics Covered:
- Why percentages matter more than dollar amounts
- The 50-30-20 rule (and Evan’s personal tweaks)
- How to find your true net income for budgeting
- The power of maxing your 401k match and using an HSA
- Using credit cards only as payment vehicles (not for emergencies)
Timestamps:
00:00 Intro and why this topic matters02:00 The problem with flashy dollar amounts—percentages are what count04:30 How to use the free budget sheet06:00 Setting your target percentages (50-30-20 and beyond)09:00 Calculating net income and why it matters12:00 Breaking down “needs” and why debt payments go here15:00 Must-have savings: 401k match, HSA, home equity18:00 Planning for big goals (cars, houses, etc.)20:00 Prioritizing Roth IRA and high-yield savings accounts24:00 Tracking and adjusting your “wants”27:00 What to do with leftover funds29:00 Final tips: avoid regular savings accounts, use credit cards for rewards only, and keep things hands-off with index funds31:00 Wrapping up and how to get startedResources Mentioned:
Free budgeting spreadsheet: https://einvestingforbeginners.com/budget/
Roth IRA basics:
https://www.investopedia.com/terms/r/rothira.asp
High-yield savings accounts: https://www.nerdwallet.com/best/banking/high-yield-online-savings-accounts
Vanguard VOO ETF info:
https://investor.vanguard.com/investment-products/etfs/profile/voo
Have feedback or ideas for Evan? Comment below or email him at [email protected]—your suggestions help shape future episodes.
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.
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
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
37 min - Warren Buffett’s Four Pillars: The Ultimate Guide to Smarter Investing
Want to go deeper on real companies with simple, long-term investing guidance? Subscribe to the Value Spotlight Newsletter, where Dave and Andrew share stock ideas, valuations, and lessons from real businesses straight to your inbox.
In this episode, Dave and Andrew break down Warren Buffett’s legendary Four Pillars of Investing, sharing strategies to help you become a better investor.
They explore how to find quality information, why consistent earnings growth matters, how to build your own investment style, and the importance of management in long-term success.
Key Topics Covered:
- Warren Buffett’s Four Pillars: quality of information, consistency of earnings growth, investment style, and management
- The dangers of relying on bad sources or viral info
- How to vet information and why annual reports matter
- Evaluating management: using 10-Ks, earnings calls, and incentive analysis
- Lessons learned from mistakes and the importance of qualitative research
Timestamps:
00:00 – Intro: Buffett’s Four Pillars01:10 – Pillar 1: Quality of Information05:00 – Avoiding bad sources & social media pitfalls10:20 – Using annual reports & direct sources12:00 – Pillar 2: Consistency of Earnings Growth15:10 – Compounding and durable earnings18:30 – Moats and business strength22:20 – Pillar 3: Investment Style & Circle of Competence27:00 – Balancing narrative and numbers31:00 – Pillar 4: Importance of Management35:00 – Evaluating management: 10-Ks, calls, podcasts38:00 – Incentives and compensation40:00 – Final thoughts & Buffett’s timeless lessonsResources Mentioned:
- The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/
- What We Can Learn from Warren Buffett’s Four Pillars of Investing (blog post): https://einvestingforbeginners.com/what-we-can-learn-from-warren-buffetts-four-pillars-of-investing/
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.
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
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
47 min - Emerging Moats, Oscar Health, and Kraken Robotics – with Brett Schaefer
Want to go deeper on real companies with simple, long-term investing guidance? Subscribe to the Value Spotlight newsletter, where Dave and Andrew share stock ideas, valuations, and lessons from real businesses straight to your inbox.
In this episode, Dave and Andrew welcome Brett Schaefer to talk about “emerging moats” and showcase his new research service.
Brett breaks down why he’s focusing on companies with growing competitive advantages, and shares deep dives into two off-the-beaten-path stocks: Oscar Health and Kraken Robotics.
The conversation covers what makes these businesses unique, the risks and rewards, and how investors can spot the next wave of winners outside the usual tech hype.
Key Topics Covered:
What is an “emerging moat” and why it matters
Kraken Robotics: defense tech, contracts, and growth runway
Oscar Health: ACA market, tech disruption, and scaling up
The risk and reward of dilution, contracts, and regulation
How to spot scalable competitive advantages
What Brett looks for in small/mid-cap stocks
The long-term opportunity in individual health insurance
Timestamps:
00:00 Intro and Brett’s new research service
03:00 What are emerging moats and why focus on them?
07:00 Kraken Robotics: tech, contracts, and defense industry growth
13:00 Oscar Health: ACA, tech, and the innovator’s dilemma
26:00 Risk, reward, and scaling up
40:00 How Brett researches and what’s next for Emerging Motes 50:00 Wrapping up and links to research
Resources Mentioned:
The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/
Emerging Motes Newsletter & Research: https://www.emergingmoats.com/
Chit Chat Stocks Podcast:
https://podcasts.apple.com/us/podcast/chit-chat-stocks/id1437766060
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.
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
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
1 hr 9 min - AAR26 - How to Use Insurance to Build Wealth w/ Kim Butler
You can download Evan’s free monthly budgeting spreadsheet here:
https://einvestingforbeginners.com/budget/In this episode of At Any Rate, Evan Raidt sits down with Kim Butler—founder of Prosperity Thinkers, host of the Prosperity Podcast, and bestselling author of Live Your Life Insurance—to break down how life insurance can be used as a tool for building wealth (not just protecting your family).
They dive into the mechanics of whole life insurance: how it works, how you can borrow against your cash value, and why it’s more flexible than most people realize.
Kim covers the pros and cons, compares insurance to other savings vehicles, and highlights the importance of control and flexibility in your financial life.
Topics Covered:
- Why saving comes before investing
- How whole life insurance works (and why it’s not just for death benefits)
- Borrowing against your policy: what really happens
- Pros and cons vs. high-yield savings, bonds, and the stock market
Timestamps:
00:00 Intro and Kim’s financial awakening03:00 Lessons from 4-H, cows, and early entrepreneurship06:00 The real role of life insurance and why people misunderstand it10:00 How to use whole life insurance as a savings tool15:00 Borrowing against your policy: mechanics and benefits20:00 Pros, cons, and comparisons to other savings options25:00 Flexibility: loans, skipping premiums, and paying yourself back30:00 Building control and opportunity into your financial life33:00 Kim’s special resource for listeners35:00 Where to find Kim and final thoughtsResources Mentioned:
Kim Butler’s Website: https://prosperitythinkers.com/special/
Prosperity Podcast: https://open.spotify.com/show/0T5efslEuybSsGH6rlp1nn?si=6ca2f4a7256a40dc
Live Your Life Insurance (Book): https://a.co/d/9YF1lAf
Kim’s Website: https://prosperitythinkers.com
Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/
Have questions or feedback? Email Evan at [email protected] or comment below—your thoughts help shape future episodes.
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.
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
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
40 min - What Company Earnings Are Telling Us About Today’s Economy
Want to go deeper on real companies with simple, long-term investing guidance? Subscribe to the Value Spotlight newsletter, where Dave and Andrew share stock ideas, valuations, and lessons from real businesses straight to your inbox.
In this episode, Dave and Andrew take a stroll through the latest earnings reports from some of the world’s biggest and most influential companies to get a pulse on the real economy.
They break down what Walmart, Shopify, Netflix, JPMorgan Chase, McDonald’s, Home Depot, Uber, and UnitedHealth are revealing about consumer behavior, business trends, and economic health.
They also dig into the economic signals hiding in credit data, consumer spending, and even the return of the McDonald’s dollar menu.
Key Topics Covered:
- Walmart’s strong growth and what it says about consumer spending
- Netflix’s ad business, content hits, and streaming dominance
- McDonald’s slowing growth and menu changes
- Uber’s explosive growth in rides and delivery
- UnitedHealth’s revenue, profit squeeze, and the impact of ACA subsidies
Timestamps:
00:00 Intro and episode overview
01:00 Walmart’s earnings and what they reveal about consumer trends
06:00 Shopify’s numbers, AI tools, and international growth
10:00 Netflix’s revenue jump, ad platform, and content wins
13:00 JPMorgan’s earnings, consumer credit, and economic signals
17:00 McDonald’s sales slowdown, menu changes, and consumer pinch
25:00 Uber’s ride and delivery growth, and what it means for the gig economy
34:00 Wrapping up: what these companies collectively say about the economy
39:00 Listener feedback and how to get in touch
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.
Download the Plynk app today to start building your investing confidence: https://plynkinvest.app.link/IFB
Buy and sell your next car the easy way with, Carvana—no haggling, no hassle, just click and drive.
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
45 min - Are Bonds Missing from Your Portfolio? David Stein Explains Why They Matter
Want to go deeper on real companies with simple, long-term investing guidance? Subscribe to the Value Spotlight newsletter, where Dave and Andrew share stock ideas, valuations, and lessons from real businesses straight to your inbox.
In this episode of The Investing for Beginners Podcast, Dave and Andrew bring back David Stein—author, co-founder of AssetCamp, and host of Money for the Rest of Us—to demystify bonds.
David also breaks down the difference between investment-grade and high-yield bonds, how spreads signal fear (or complacency) in the economy, and why today’s higher yields make bonds more interesting than many investors realize.
Finally, they discuss practical ways to own bonds—ETFs, bullet ETFs, TIPS, and CLOs—and how to think about your allocation as you get closer to retirement.
Key Topics Covered:
What bonds are, how they work, and why the bond market is so big
How rising interest rates push bond prices down (and vice versa)
Investment-grade vs. non-investment-grade (high-yield) bonds and default risk
How bond spreads signal fear, recession risk, and investor sentiment
Using bonds for near-term goals like a house down payment vs. long-term retirement
Timestamps:
00:00 Intro and welcoming back David Stein
01:00 What are bonds and how do they differ from stocks?
03:00 How coupon rates, yields, and maturities work in practice
13:00 High-yield bonds, spreads, and what they tell you about recession risk
18:00 Defaults, diversification, and why most investors use bond ETFs
25:00 Using bonds for house down payments and near-term goals
29:00 How rising rates crushed bonds in 2022—and what that means going forward
33:00 Yield to maturity and duration: the two numbers that matter most
37:00 Modeling bond returns and recovering from price drops over time
41:00 Why valuations in stocks vs. math in bonds can change your allocation
44:00 Final thoughts on bonds as a tool for confidence and stability
Resources Mentioned:
Money for the Rest of Us (David Stein’s podcast)
AssetCamp (institutional-grade research tool)
Have questions for David? Email him at [email protected]
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.
Download the Plynk app today to start building your investing
confidence: https://plynkinvest.app.link/IFB Buy and sell your next car the easy way with, Carvana—no haggling, no hassle, just click and drive.
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 - AAR25 - How to Make Smart Purchasing Decisions
You can download Evan’s free monthly budgeting spreadsheet here:
https://einvestingforbeginners.com/budget/In this episode of At Any Rate, Evan Raidt and Andrew Sather dig into how to make smart spending decisions without living like a hermit or constantly feeling guilty every time you buy something.
They push back on the extreme “never spend money” advice that goes viral online, talk about how both of them have swung between over‑frugality and overspending, and explain why the real goal is a sustainable middle ground you can actually live with.
You’ll hear how to make sure a purchase truly fits your budget, why automation and separate accounts (or “vaults”) make life easier, and how to avoid lifestyle creep and sneaky “buy now, pay later” or monthly‑payment traps.
Topics Covered:
- Why extreme “never spend money” advice backfires
- How guilt and anxiety can wreck your spending decisions
- What it actually means for a purchase to fit your budget
- Using automation and separate accounts/vaults to simplify money
- Planning for annual/irregular expenses (holidays, birthdays, clothes
Timestamps:
00:00 Intro and “have you ever bought anything?”01:00 Extreme frugality trends and why they’re not sustainable04:30 Swinging from super‑frugal to overspending (and back)11:30 What it means for a purchase to truly fit your budget15:00 Automation, separate accounts, and “vaults” for big goals19:00 Lifestyle creep, furniture financing, and Amazon payment plans28:30 Making sure you can still afford your needs after a purchase36:00 Planning for holidays, birthdays, and other irregular costs40:00 Willpower vs. systems, and final takeawaysResources Mentioned:
Free monthly budgeting spreadsheet:https://einvestingforbeginners.com/budget/
Have questions or want to share how you handle big purchases? Email Evan at [email protected] or comment below—your stories and questions help shape future episodes.
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.
Download the Plynk app today to start building your investing
confidence.
Have questions? Send them to [email protected]
SUBSCRIBE TO THE SHOW
Apple | Spotify | YouTube | Amazon | Tunein
Learn more about your ad choices. Visit megaphone.fm/adchoices
48 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.
Best of The Investing for Beginners Podcast - Your Path to Financial Freedom
Ranked by our users in the last 21 days
More shows like The Investing for Beginners Podcast - Your Path to Financial Freedom
Motley Fool Hidden Gems Investing
3,152 Listeners
InvestTalk
1,490 Listeners
Money For the Rest of Us
1,348 Listeners
The Investor's Podcast (We Study Billionaires) - The Investor’s Podcast Network
3,329 Listeners
Money Guy Show
3,231 Listeners
Investing Insights
521 Listeners
Best Stocks Now with Bill Gunderson
343 Listeners
Your Money, Your Wealth
800 Listeners
Stay Wealthy Retirement Podcast
699 Listeners
BiggerPockets Money
3,061 Listeners
The Long View
935 Listeners
The Intrinsic Value Podcast - The Investor’s Podcast Network
553 Listeners
The Personal Finance Podcast
1,429 Listeners
Rich Habits Podcast
500 Listeners
Stock Market Today With IBD
52 Listeners