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 Tepper
02:12 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: evan@einvestingforbeginners.com
Have feedback or ideas for Evan? Comment below or email him at evan@einvestingforbeginners.com—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 equity@einvestingforbeginners.com
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