Shows / The Investing for Beginners Podcast - Your Path to Financial Freedom
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, value a company, avoid common beginner mistakes, and build a long-term portfolio you can actually stick with. Plus, in our At Any Rate episodes with host Evan Raidt, we tackle the personal finance side…
Episodes
- The Investing for Beginners Podcast - Your Path to Financial Freedom
AAR75 - What To Spend More On
Evan Raidt and Andrew Sather take on the question everyone asks after payday: what is actually worth splurging on? They rank vacations, insurance, homes…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Q3 Earnings: Tesla's Flying Car, SpaceX's First Profit, and Meta's 10 Million Muse Users
Stephen and Andrew dig into three of the biggest Q3 earnings calls of the season: Meta, Tesla, and SpaceX. Meta's ad business keeps humming and its new AI…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Language of Business Part 3 — The Balance Sheet
Stephen and Andrew continue their Language of Business series, and this time it's nothing but balance sheets: what a company owns, what it owes, and why your…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
AAR 74 - What to Do When Debt Gets Unmanageable
Andrew hosts solo this week — no Evan — with special guest Bruce McClary, Senior VP of Media Relations at the NFCC. Bruce has spent his career on both sides of…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
The 2026 Investor Draft: Whose Team Would You Trust With Your Life Savings?
Stephen and Andrew settle their fantasy football trash talk the only way they can — with a fantasy draft of a different kind. Going back and forth, no repeats…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
The Language of Business, Part 2: Why Your Stock Goes Nowhere
Stephen and Andrew walk down the income statement — the second stop in the Language of Business series — to show you exactly where money hides, where it…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
AAR73 - When to Optimize and Wing It
Evan and Andrew take on optimization — the urge to squeeze every last drop out of every financial decision. Sometimes optimizing now pays off massively over…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Why Solar Is One of the Cheapest Ways to Make Power (and What It Means for Investors)
Clean energy is one of the cheapest ways to build new power in America, yet most investors still don’t understand how the business actually works. In this…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
The Language of Business, Part 1: Accounting Doesn't Have to Suck
There's one thing Andrew and Stephen can talk about that instantly puts everybody to sleep: accounting. Spreadsheets, debits, credits — boring. But it's also…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
AAR72 - Financial Tier List
Evan and Andrew rank 14 personal financial decisions on a tier list — S tier means everybody should do it, F tier means never do it — all judged for a…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
No Moat, No Problem? What HPE's Moonshot Teaches Value Investors
Stephen found HPE the way all great stock stories start — thumbing through a screener, bored between meetings, when a ticker up 180% caught his eye. "What is…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Path to Confidence Finale: The Habits That Build a Confident Investor
Confidence in investing doesn't mean you feel certain — like you finally found the right stock and now you're just calm. Real confidence is way less emotional…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
AAR71 - Are You a Financial Green Flag or Red Flag?
Evan and Andrew take the viral red-flag/green-flag dating game and turn it on your wallet. Eleven money habits get judged — streaming subscriptions, credit…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Tesla: Bullish on the Company, Bearish on the Stock
Stephen and Andrew ignore the headlines and the Twitter drama and look at Tesla the company — the EVs, the $30 billion robotaxi bet, the robots, and a balance…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Path to Confidence: Stop Checking Your Stocks Every Day
If your definition of success is "my account was green today," you're letting the market control your emotions — and that's not investing, that's stress…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
AAR70 - Money Debates 3: Crypto, Renting, College, and more
Crypto allocation vs gambling • Starter home vs buying nicer • Renting a room for income • Paying for kids’ college • Car cash vs low-rate financing In this…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Meta’s AI Spending: Genius Move or Zuck Losing It?
Meta is spending aggressively on AI infrastructure—and the big question is whether that’s visionary or reckless. Andrew frames Meta as primarily an advertising…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Path to Confidence: Build an Investing Playbook
Everybody has a plan until the market punches them in the mouth. In this episode, Stephen and Andrew break down how to remove emotion from investing by…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
AAR69 - Behind the Curtain - How Money Actually Moves
Most of us don’t handle money directly anymore—we rely on platforms, banks, brokerages, and middlemen. In this episode, Evan and Andrew break down how those…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Cummins (CMI): Record Quarter, Falling Stock — What Wall Street Sees
Cummins just printed a monster quarter—record revenue, raised guidance, and strong-looking headline numbers—yet the stock has been sliding hard. In this…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Path to Confidence: Why the Best Investors Rarely Swing
Every day, mainstream financial media demands that you swing at the latest hot stock, IPO, or macroeconomic tech trend. But the greatest investors in history…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
AAR68 - Correcting for Financial Mistakes
Nobody is perfect, and that applies to your budget, too. In this episode of At Any Rate, Evan and Andrew open up about their recent financial slip-ups—from…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
What Is a Holding Company, And Should You Invest in One?
You might think buying shares of Google means you are investing in a search engine, but you are actually buying into a decentralized corporate shell designed…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Path to Confidence: The 3-Step Safety Net Every Investor Needs
Beginner investors want to skip straight to the exciting part—picking stocks, chasing crypto gains, and dreaming of 100% returns. But diving into the market…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
AAR67 - Our Ratio Rulebook - Solid Financial Starting Points
Are you spending too much on your car? Is your rent making you "house poor"? In this episode of At Any Rate, Evan and Andrew ditch the vague financial advice…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Ian Cassel’s Rules for Profitable Small-Cap Investing
Most retail investors assume the biggest market gains belong to high-flying mega-cap tech stocks, but historical data reveals a completely different reality…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Path to Confidence: Stop Chasing the Market and Pick Your Lane
In Part 1 of the "Path to Confidence" series, Stephen Morris and Andrew Sather tackle a critical lesson for beginner investors: you must know what game you are…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
AAR66 - Who Wants to Be a Millionaire?
In this special game-show episode of At Any Rate, Evan puts Andrew in the hot seat for a 15-question financial trivia challenge. From guessing 2026 401(k)…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
The First Metric Every Investor Must Check Before Buying
When analyzing a stock for the first time, retail investors often get blinded by stock price charts, flashy marketing, or news headlines. But if you want to…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Is NVIDIA’s High-Margin Machine Sustainable?
NVIDIA is currently pulling off something unprecedented in financial history: posting startup-like revenue growth (+126% in 2024 and +114% in 2025) while…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
AAR65 - Where Are People Wasting Money?
Are you accidentally throwing money down the drain without realizing it? In this episode of At Any Rate, Evan and Andrew break down five sneaky financial…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
How to Get 9% Returns with Half the Market Volatility
Mainstream financial media tells investors that the only way to build long-term wealth is to throw 100% of their money into index funds and hold on for dear…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
Dissecting Capital One, Netflix, and Wall Street's Favorite Metrics
It’s tempting to fire up a stock screener, sort by top-line revenue growth, and assume you’ve just uncovered a goldmine of breakout stocks. But when a legacy…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
AAR64 - The Personal Finance Time Machine
What advice would you give your 22-year-old self if you found a DeLorean in your driveway? In this episode of At Any Rate, Evan and Andrew look back at their…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
AI, Space, and Defense: Separating Hype from True Moats
Wall Street loves a good sci-fi narrative. Between artificial intelligence, private space exploration, and next-generation defense tech, it is incredibly easy…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
The Psychology of Position Sizing
Every investor lives with two competing internal voices: the hyper-optimist who wants to go all-in on an exciting growth story, and the hyper-skeptic who gets…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 six common…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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's…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 minor…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 portfolios bleed…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 strategy…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 the…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 paralyzing fear…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 common…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 everyday…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 Andrew…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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, then let…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 animal…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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, Stephen and…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 debt…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 the stock…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 the story…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 really…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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. Stephen and…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 Andrew…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 explains…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 stock…
- The Investing for Beginners Podcast - Your Path to Financial Freedom
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 break…