Money Lessons with Andrew Temte, PhD, CFA
Make Financial Literacy Accessible Through Compelling Storytelling Join Dr. Andrew Temte every Saturday for Money Lessons—a weekly financial education podcast that transforms complex economic concepts into accessible, engaging stories. Each bite-sized 10-minute episode builds your financial knowledge through historical narratives and practical applications, making this the perfect podcast for anyone seeking to improve their money management skills and investment understanding. What You'll Learn: From the ancient origins of money and banking to modern stock markets and retirement planning, Money Lessons covers essential financial literacy topics including: How insurance and risk management work Stock market fundamentals and investment principles Banking systems and monetary policy Interest rates, inflation, and economic cycles Credit, debt, and smart borrowing decisions Foundational macro and microeconomic principles that directly apply to personal financial decision-making Building wealth through informed financial decisions Your Host: Dr. Andrew Temte brings unparalleled expertise as a PhD in finance, CFA Charterholder, and former CEO of Kaplan Professional. With over 15 years of university teaching experience, Andy makes finance education approachable for everyone—from high school graduates to seasoned professionals seeking to sharpen their financial acumen. Why Money Lessons: Unlike traditional personal finance podcasts, Money Lessons uses historical storytelling to reveal how financial systems evolved and why they matter today. Whether you're learning about the Knights Templar inventing banking, the Dutch East India Company creating stock markets, or Benjamin Franklin's compound interest experiments, each episode connects past innovations to your present financial decisions. Perfect for young professionals starting their investment journey, parents teaching financial responsibility, or anyone building a foundation for long-term wealth creation. New episodes every Saturday. Subscribe today and start your journey of financial literacy.
Episodes
In this episode of Saturday Morning Muse, Andy explores the evolution of financial markets, focusing on the investor optimism of the 1920s, the catastrophic market crash of 1929, and the subsequent regulatory reforms that shaped modern securities laws.
The discussion highlights the role of margin trading, the impact of speculation, and the necessity for investor protection through regulatory oversight.
In this episode of Saturday Morning Muse, Andy explores the evolution of financial literacy and the impact of information technology on stock trading. He discusses how the telegraph revolutionized communication in the 19th century, enabling faster and more efficient trading. The introduction of the stock ticker further democratized access to market information, but also led to new challenges such as manipulation and speculation.
In this episode of Saturday Morning Muse, Andy explores the evolution of stock markets, focusing on the democratization of equity investments through railroads in the 19th century. He discusses the rise of “the market” as an economic barometer, the impact of the Panic of 1873, the creation of the first stock market indices, and the fundamental shift in understanding investment versus speculation, culminating in the principles estab...
In this episode of Saturday Morning Muse, Andy explores the evolution of equity ownership and stock trading from the Dutch East India Company to the establishment of the London Stock Exchange. He discusses the challenges of informal trading, the catastrophic South Sea Bubble, and the eventual need for organized stock markets, highlighting the principles that govern modern financial markets today.
In this episode of Saturday Morning Muse, Andy explores the evolution of financial markets, focusing on the innovations of the Dutch Republic in the early 1600s. He discusses the limitations of previous equity ownership models and how the establishment of the Dutch East India Company (VOC) revolutionized investment through the introduction of transferable shares and a secondary market.
In this episode of Saturday Morning Muse, Andy explores the historical evolution of stock ownership, beginning with the Roman Publicani and the Venetian Commenda.
He discusses how these early systems of equity ownership laid the groundwork for modern financial practices through capital pooling and risk spreading for investment in major infrastructure projects and trading expeditions.
#financialliteracy #personalfinance #StockMarket...
In this episode of Saturday Morning Muse, Andy explores the evolution of insurance and its democratization in the late 19th century. He discusses how industrial life insurance, expanded property coverage, and the rise of automobile insurance transformed the industry into a mass market service accessible to ordinary families.
Andy highlights the significant innovations that made insurance affordable and essential, as well as the ...
In this episode of Saturday Morning Muse, Andy explores the origins of modern insurance, focusing on Edward Lloyd's Coffee House in the 1680s.
He discusses how Lloyd's transformed the insurance landscape by introducing innovative practices such as syndicated underwriting, the publication of shipping news, and the establishment of a systematic reinsurance market.
In this episode of Saturday Morning Muse, Andy explores the evolution of insurance, tracing its origins from ancient civilizations to modern practices. He discusses how early merchants shared risks to protect their goods, the development of mutual aid societies in medieval Europe, and the establishment of formal insurance contracts. The conversation culminates in the recognition of the need for systematic fire insurance following t...
In this episode of Saturday Morning Muse, Andy explores the dual nature of compound interest, highlighting its potential to build wealth while also revealing its darker side through the lens of compound debt.
The discussion emphasizes the importance of understanding how compound interest works in both investing and borrowing contexts, particularly in relation to credit card debt. Temte provides practical advice on managing debt an...
In this episode of Saturday Morning Muse, Andy explores the concept of compound interest, its historical significance, and practical applications for building wealth.
He explains the mathematics behind compound interest, introduces the Rule of 72 for estimating investment growth, and illustrates the impact of small daily expenses on long-term wealth accumulation through the 'latte effect.' Andy emphasizes the importance of time ...
In this episode of Saturday Morning Muse, Andy explores the concept of compound interest, discussing its historical significance and mathematical foundations. He introduces Benjamin Franklin's experiment with compounding, the contributions of mathematicians like Edmund Halley and Leonhard Euler, and the implications of compounding in both wealth creation and destruction, illustrated by the Tulip Mania and government debt crises. Th...
In this episode of Saturday Morning Muse, Andy delves into the basics of investment returns, emphasizing the importance of understanding different types of returns such as nominal, real, holding period, and total returns. The discussion also touches on the historical development of return calculations and the significance of the compound annual growth rate (CAGR) in comparing investments over time. Andy encourages listeners to be i...
In this episode of Saturday Morning Muse, Andy explores the concept of inflation, its historical context, and the implications of monetary policy on everyday life. He discusses the various types of inflation, including demand-pull, cost-push, monetary, and expectational inflation, and illustrates these concepts with historical examples, particularly the Great Recoinage of 1696. Andy emphasizes the importance of understanding inflat...
In this episode of Saturday Morning Muse, Andy explores the historical tension between the moral objections to charging interest and the economic necessity for credit. It traces the evolution of interest from ancient civilizations, through religious prohibitions, to modern acceptance, highlighting the innovative financial practices that emerged to reconcile these conflicting views. The discussion emphasizes the ongoing challenge of...
In this episode of Saturday Morning Muse, Andy discusses the concept of interest, exploring its fundamental role in economics as the price of time. He explains how interest rates are determined by factors such as inflation, real returns, and risk compensation. The discussion also covers the calculation of simple interest and the implications of understanding interest for personal financial decisions. Temte highlights the historical...
In this episode of the Saturday Morning Muse, Andy explores the introduction of the banknote by the Bank of England in 1694, which revolutionized modern finance by standardizing currency and formally establishing government currency backing. This historical narrative connects the evolution of banking practices to the currency we use today.
In this episode of Saturday Morning Muse, Andy explores the evolution of banking from the Knights Templar to the Medici family, highlighting key innovations, market opportunities, and lessons learned from history. It emphasizes the importance of transparency, political integration, and diversification in financial practices, while drawing parallels to modern banking and financial technology.
In this episode of Saturday Morning Muse, Andy explores the historical roots of banking, tracing its origins back to the Crusades and the role of the Knights Templar. He discusses how the need for secure wealth storage during the Crusades led to the development of early banking practices, including the issuance of letters of credit. The conversation also delves into the evolution of usury laws and their implications for modern bank...
In this episode of Saturday Morning Muse, Andy Temte explores the evolution of currency from promissory notes to modern fiat money, emphasizing the role of trust in the value of currency. He introduces the concept of banking, its characteristics, and importance in the economy. Andy also touches on the Great Recession, highlighting the consequences of poor risk management in banking.
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