The Investing for Beginners Podcast - Your Path to Financial Freedom

The Investing for Beginners Podcast - Your Path to Financial Freedom

Learn how to master the stock market without the hype or the headache. This podcast breaks down complex investing into simple, "chill" strategies you can actually use. From comparing giant rivals like Coke vs. Pepsi to spotting red flags in "Superstar CEOs," we show you how to look at the numbers and ignore the noise. Whether you are just starting out, moving away from debt, or looking for a steadier way to build wealth, we provide the clear, jargon-free guidance you need to grow your portfolio with confidence. Stop chasing "get-rich-quick" schemes and start building your path to financial freedom, one episode at a time.

Episodes

6 Warning Signs a Company Is Quietly Dying (Part 1)

July 9, 2026 • 47 mins
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 the story has changed until the stock is down 70%. In this episode, Andrew and Stephen kick off a “business autopsy” series: how to recognize early warning signs that a company is quietly sliding into decline. You’ll learn why “stocks don&rs...
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AAR57 - What Does Your Perfect Day Cost?

July 7, 2026 • 53 mins
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 really chasing when they chase money: peace and control. They start with a simple question—“What does your perfect day 5 years from now look like?”—and unpack what those answers reveal about what matters. From there, they get practical: how to build more p...
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Margin of Safety Planning: How to Prepare for the Risks You Don’t See Coming

July 6, 2026 • 52 mins
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. Stephen and Andrew break down a simple truth most investors miss: risk isn’t just price movement. Volatility is expected. The real danger is the stuff that causes permanent damage—liquidity crunches, too much debt, concentration blowups, inflation erodi...
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Tech Stocks Are Down—Is It “Tech Rot” or Just Noise?

July 2, 2026 • 47 mins
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 Andrew cut through the headlines and explain what’s actually going on: why broad labels like “tech rot” are mostly clickbait, and how small drawdowns get spun into a crisis narrative that can scare newer investors out of the market. Then they get...
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AAR56 - Engineering POV on Building Margin Into Personal Finance

June 30, 2026 • 43 mins
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 explains why that mindset breaks in the real world—and why you should build margin into your finances the same way engineers build margin into parts, systems, and analysis. You’ll learn how small decisions “stack up,” how to set ranges instead o...
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What the Shiller P/E (CAPE) Can and Can’t Tell You

June 29, 2026 • 47 mins
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 stock returns could be low, why keep investing at all—especially when CDs, T-bills, and high-yield savings accounts are paying 4–5%? In this episode, Andrew and Stephen break down what CAPE (the Shiller P/E) actually measures, why it’s elevated, and how to use it as a l...
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How to Read a 10-K in 20 Minutes (The Beginner Speedrun Checklist)

June 25, 2026 • 47 mins
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 break down a practical “speedrun” approach to get real value from a 10-K in about 20 minutes, without pretending you need to read every paragraph. They walk through the key sections that matter most for beginners plus a simple checklist to make sure you actually e...
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AAR55 - 5 Years in Engineering: 5 Things I Learned About Building Wealth

June 23, 2026 • 34 mins
In this solo episode, Evan reflects on five years working in engineering (quality → design) and shares the biggest money lessons he’s learned along the way. This isn’t a highlight reel or a sob story—it’s an honest breakdown of what actually changed his financial trajectory, what mistakes he made early, and what he’d do differently if he could start over. You’ll hear why a steady paycheck can ...
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Why A Negative P/E Happens and What to Use Instead

June 22, 2026 • 40 mins
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, Stephen and Andrew break down exactly why a P/E ratio “breaks” when earnings go negative, what that actually tells you (and what it doesn’t), and why a negative P/E should be treated as a big red flag—but not an automatic walk-away. They cover th...
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Personal Finance First: The Step-by-Step Plan Before You Start Investing

June 18, 2026 • 67 mins
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 out a simple, phase-based roadmap for building a stable financial foundation before you start making investing moves. Think of it like building a house: if the foundation isn’t solid, everything you build on top of it is at risk. They walk through the basics&mdas...
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AAR54 - AI and Your Finances: Tool or Risk

June 16, 2026 • 48 mins
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 could mean for your money, especially as tools like ChatGPT move toward linking directly to financial accounts through services like Plaid. They break down the real risks: privacy and security, “black box” decision-making, hallucinations that sound confident, a...
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Present Value vs. Terminal Value: The Real Difference Between “Value” and “Growth”

June 15, 2026 • 70 mins
“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 O’Malley to break down intrinsic value into two core components: present value (cash flows you can reasonably forecast) and terminal value (everything beyond your explicit forecast period). They make it tangible with two case studies: Universal Music G...
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Not All Dividends Are Equal: Dividend Kings, Aristocrats, and Red Flags

June 11, 2026 • 37 mins
Not all dividends are created equal. In this episode, Andrew and Stephen break down two popular “quality filters” dividend investors use—Dividend Aristocrats and Dividend Kings —and why a long streak can be a useful starting point for stock ideas, not a guarantee of safety. They also dig into what a dividend streak can signal about a business, plus the red flags that can turn a “safe yield” in...
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AAR53-Stop Ballparking It: A Real Plan for Saving Toward a Goal

June 9, 2026 • 35 mins
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 a future motorcycle trip with his best friend. Instead of vague “just save more” advice, he breaks down the exact mindset and planning process he’s using—built for goals under ~2 years where you need clarity, not hype. You’ll hear what to avoid , then a s...
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The Truth About Market Timing, Crashes, and Long-Term Investing with Ben Carlson

June 8, 2026 • 49 mins
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 mostly about time, consistency, and letting compounding do the heavy lifting. In this conversation, Ben breaks down why the lottery-ticket approach and constant market timing are usually a losing game, even for smart people. We also dig into how the stoc...
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What “Invest With a Margin of Safety” Really Means

June 4, 2026 • 48 mins
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 phrase actually means, where it comes from (Benjamin Graham’s The Intelligent Investor), and why it’s one of the most practical “anti-stupid” guardrails you can use as an everyday investor. We break margin of safety down into plain English: it’s not ...
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AAR52 - Financial Realities of Home Improvement

June 2, 2026 • 39 mins
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 still run into the thousands. Evan and Andrew break down how home improvements differ from emergencies (like a roof or AC) and why renovations are so easy to underestimate when you’re used to apartment life. Then they get practical with a planning ...
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Financial Modeling: FMVA, DCFs, and AI in Excel with Tim Vipond

June 1, 2026 • 43 mins
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 modeling and valuation—without getting lost in the weeds. Tim shares how he went from teaching a live modeling course at a university to building CFI into a major online education platform, and why strong accounting fundamentals matter more than most people expect. They also get p...
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Live Research: On Holding (ONON) — Great Growth, Big Questions

May 28, 2026 • 55 mins
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 Swiss running and lifestyle shoe brand both hosts personally like, but don’t fully understand from an investor’s perspective. They walk through how they’d approach a high-growth stock when they’re still building conviction, using On as the case stu...
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AAR51 - The Money and Mental Health Connection

May 26, 2026 • 63 mins
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 health and finances: decision fatigue, avoidance, impulsive “therapy spending,” and the spiral where stress creates bad decisions… which creates more stress. Then we get practical. If you’re stuck in that loop, the goal isn’t perfec...
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