The Investing for Beginners Podcast - Your Path to Financial Freedom
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The Investing for Beginners Podcast - Your Path to Financial Freedom
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, val...
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AAR63 - The Bottom Hits - What Most People Miss in Their Finances
We all know the "top hits" of personal finance, but what about the silent wealth killers? In this episode of At Any Rate, Evan and Andrew break down s...
The Earnings Illusion: How Working Capital Exposes Cash-Burning Companies
A company can post record net income on paper while silently draining its checking account to zero. Mainstream financial media fixates on Wall Street'...
Accidental Indexing: Why Owning Too Many Stocks Destroys Returns
Most retail investors spend endless hours hunting for the next breakout stock, only to ruin their returns by spreading their capital across dozens of...
AAR62 - Homeownership Progress Update
It has officially been one year since Evan and his wife purchased their first home at 27 years old. In this solo episode of At Any Rate, Evan takes a...
Why Your Brain is Sabotaging Your Portfolio
The stock market isn't just a platform for building wealth; it is a real-time stress test of human psychology. When headlines scream panic and portfol...
The AI CAPEX Illusion with Thomas Chua
Tech giants are dropping hundreds of billions on AI infrastructure, but the market is punishing some players and rewarding others for the exact same s...
AAR61 - Drafting Our Finances
In this episode of At Any Rate, Evan and Andrew run a high-stakes "Fantasy Financial Draft." Alternating picks back and forth, they compete to build t...
Birdseye View ASTS: Moonshot Potential vs. Financial Reality
In this episode, Stephen and Andrew take a bird’s-eye view of AST SpaceMobile (ASTS) to separate the revolutionary promise of direct-to-cell satellite...
Why 100-Baggers Cause Bad Decisions and How to Stay Grounded
The temptation of hitting a 100x return in the stock market often drives investors straight into emotional traps, leading to reckless greed or paralyz...
AAR60 - Money Debates 2 - Early Mortgage Payoff? Emergency Fund vs. HELOC
This episode is a follow-up to the recent “Money Debates” episode. Evan and Andrew run the format back with new topics: they present both sides of com...
The Stoplight System with Tykr founder Sean Tepper
In this episode, Andrew interviews Sean Tepper, founder and CEO of Tykr (T-Y-K-R), an investing education and stock analysis platform built for everyd...
Stop Overthinking Stock Screeners
Stock screeners can feel intimidating, but they’re really just a fast way to generate starting points—not “buy” signals. In this episode, Stephen and...
AAR59 - We Grade Each Other's Financial Decisions
In this episode, Evan and Andrew try a fun (and slightly dangerous) format: they each bring real financial decisions from their past, give context, th...
Q&A: How Do I Value Banks & Insurance 101
Most businesses can be evaluated with a simple trio—revenue growth, margins, and free cash flow. But banks and insurance companies are a different ani...
Does T. Rowe Price’s 1950 Growth Stock Checklist Still Work Today?
What’s harder than finding a “great company”? Figuring out whether you’re buying a great company or just the great memory of one. In this episode, Ste...
AAR58 - Money Debates - Snowball vs. Avalanche and Other Fights
Evan and Andrew try a new format: common personal finance disagreements, argued from both sides—then they reveal where they actually land. They cover...
6 Warning Signs a Company Is Quietly Dying (Part 2)
In Part 2 of the Business Autopsy series, Stephen and Andrew keep building the framework for spotting companies that are quietly breaking down before...
6 Warning Signs a Company Is Quietly Dying (Part 1)
Most investors think the biggest risk is buying the “wrong” company. But a sneakier risk is buying a company that used to be great—and not realizing t...
AAR57 - What Does Your Perfect Day Cost?
Money is pointless if it doesn’t help you live a better life. In this episode, Evan is joined by Andrew Sather to talk about what most people are real...
Margin of Safety Planning: How to Prepare for the Risks You Don’t See Coming
Charlie Munger said if you can’t stay calm through a 50% market decline, you’re not fit to be a shareholder—and that’s the point of this episode. Step...
Tech Stocks Are Down—Is It “Tech Rot” or Just Noise?
Tech stocks dip and suddenly the media declares the bubble popped—“AI is over,” rates are killing growth, and data centers cost too much. Stephen and...
AAR56 - Engineering POV on Building Margin Into Personal Finance
Most personal finance advice gets treated like a checklist: hit the emergency fund number, hit the savings rate, and you “pass.” In this episode, Evan...
What the Shiller P/E (CAPE) Can and Can’t Tell You
A listener named Chris emailed in with a question a lot of investors are quietly thinking: if the CAPE ratio is around 40 and forecasts say future sto...
How to Read a 10-K in 20 Minutes (The Beginner Speedrun Checklist)
Most investors download a 10-K, scroll for a few minutes, and quit—because it feels like 100 pages of legal pain. In this episode, Andrew and Stephen...
AAR55 - 5 Years in Engineering: 5 Things I Learned About Building Wealth
In this solo episode, Evan reflects on five years working in engineering (quality → design) and shares the biggest money lessons he’s learned along th...
Why A Negative P/E Happens and What to Use Instead
Ever pulled up a stock and noticed the P/E is negative—then immediately wondered if the company is “cheap” or just a disaster? In this episode, Stephe...
Personal Finance First: The Step-by-Step Plan Before You Start Investing
Most people advise to jump straight into investing—but that’s backwards. In this episode, Stephen is joined by Evan Raidt (host of At Any Rate) to lay...
AAR54 - AI and Your Finances: Tool or Risk
AI is everywhere—and now it’s creeping into personal finance in a big way. In this episode, Evan is joined by Stephen Morris to talk about what AI cou...
Present Value vs. Terminal Value: The Real Difference Between “Value” and “Growth”
“Value vs. growth” gets treated like two different religions—but the math doesn’t agree. In this episode, Andrew is joined by Daniel Mahncke and Sean...
Not All Dividends Are Equal: Dividend Kings, Aristocrats, and Red Flags
Not all dividends are created equal. In this episode, Andrew and Stephen break down two popular “quality filters” dividend investors use—Dividend Aris...
AAR53-Stop Ballparking It: A Real Plan for Saving Toward a Goal
In this episode, Evan walks through a real-time example of saving toward a short-to-medium term goal: buying a motorcycle (plus safety gear) ahead of...
The Truth About Market Timing, Crashes, and Long-Term Investing with Ben Carlson
What’s the secret to investing? According to Ben Carlson (CFA, Ritholtz Wealth Management), the “secret” is that there isn’t one—building wealth is mo...
What “Invest With a Margin of Safety” Really Means
You hear us say it every week: invest with a margin of safety—emphasis on the safety. In this episode, we finally slow down and explain what that phra...
AAR52 - Financial Realities of Home Improvement
Homeownership comes with a surprise a lot of first-time buyers don’t fully feel until it’s too late: everything costs more—and “small” projects can st...
Financial Modeling: FMVA, DCFs, and AI in Excel with Tim Vipond
Andrew sits down with Tim Vipond, co-founder and CEO of Corporate Finance Institute (CFI), to talk about what it really takes to learn financial model...
Live Research: On Holding (ONON) — Great Growth, Big Questions
In today’s episode, Andrew and Stephen try something new: researching a company live, on-air, in real time. The company is On Holding (ONON)—a premium...
AAR51 - The Money and Mental Health Connection
Money stress isn’t just about dollars—it’s about what money does to your brain. In this episode, Evan and Andrew dig into the real link between mental...
How Non-Food Franchises Build Wealth with Jon Ostenson
Most people hear the word franchise and immediately think fast food but franchising is much bigger than burgers and drive-thrus. In this episode, Andr...
Birdseye View: Caterpillar (CAT) — Moat, Dealers, and the “Picks & Shovels” of the AI Boom
Caterpillar (CAT) is one of those companies almost everyone recognizes—but most investors still struggle with the same question: how do you know if a...
AAR50 - 5 Recession Preparations Without the Panic
In this milestone 50th episode, Evan and Andrew break down what a recession is, why it happens, and why the media often frames it in a way that create...