Money Lessons with Andrew Temte, PhD, CFA

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

January 10, 2026 11 mins

In this episode of Money Lessons, Andy explores the evolution of bond markets from the aftermath of World War II to the present day. He discusses the regulatory reforms that laid the groundwork for modern bond investing, the rise of institutional investors, the transformation brought by electronic trading, and the impact of globalization. Andy highlights how these changes have democratized bond investing, making it accessible to or...

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In this episode of Money Lessons, Andy explores the historical context and implications of the bond market collapse during the Great Depression, the subsequent regulatory reforms, and their lasting impact on today's financial landscape.

He discusses the failures of the credit rating system, the introduction of the Trust Indenture Act of 1939, and the significance of the Glass-Steagall Act in protecting investors. The episode conclu...

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In this episode of Money Lessons, Andy explores the evolution of corporate bond markets, highlighting their historical significance, the role of credit ratings, and the legal protections that make corporate lending viable. He emphasizes the importance of understanding corporate bonds as a stable investment option compared to stocks, and discusses the current state of the bond market.

 

#financialliteracy #bondmarkets #corporatebond...

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December 20, 2025 10 mins

In this episode of Money Lessons, Andy explores the complexities of sovereign debt, focusing on historical examples of nations that have defaulted on their obligations. He discusses the immediate relief that defaults may provide, but emphasizes the long-term consequences, including loss of credibility, economic isolation, and political instability. 

 

The episode highlights the importance of understanding the implications of broken...

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December 13, 2025 11 mins

In this episode of Money Lessons, Andy explores the evolution of sovereign debt from its early origins in ancient Mesopotamia to its transformation into a systematic foundation for modern nation-states. 

He discusses the role of the Fugger family in early sovereign lending, the impact of the Glorious Revolution on government borrowing, and the establishment of the Bank of England, which revolutionized the way governments manage deb...

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This episode of Money Lessons with Andrew Temte explores the evolution of equity investing, highlighting how technology has transformed stock ownership from an exclusive privilege to a widely accessible opportunity. 

 

Andy discusses the historical context of investing, the impact of regulatory changes, and the rise of online trading platforms. The conversation emphasizes the importance of financial literacy in navigating this new ...

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November 22, 2025 11 mins

** News Flash ** The Saturday Morning Muse is now MONEY LESSONS with Andrew Temte, PhD, CFA!

Since the beginning of 2025, the show has been focused on the topic of financial literacy and we’ll be creating financial literacy lessons for the foreseeable future!

In this episode of Money Lessons, Andy discusses the evolution of equity securities markets, focusing on mutual funds and index funds. He explains how these investment vehicle...

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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.

 

You can find The Saturda...

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November 8, 2025 11 mins

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.

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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...

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October 25, 2025 10 mins

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.

 

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October 18, 2025 11 mins

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. 

 

You can find The Saturday Morning Muse on y...

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October 11, 2025 11 mins

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...

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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 ...

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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.

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September 20, 2025 10 mins

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...

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September 13, 2025 12 mins

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...

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September 6, 2025 12 mins

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 ...

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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...

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