Episodios

  • AAR01 - How to Use Automation to Build Your Wealth

    AAR01 - How to Use Automation to Build Your Wealth
    Jun 10 2025
    In this inaugural episode of 'At Any Rate,' Evan Raidt welcomes renowned financial expert Dave Ahern to discuss the power of financial automation. They explore various ways to automate savings, investments, and spending to build wealth and achieve financial freedom. Dave shares his personal methods of using multiple savings accounts and brokerage automation, while Evan highlights the benefits of setting up these systems easily and efficiently. They also address common barriers people face in automating their finances and provide pragmatic advice to overcome them. This episode aims to demystify financial automation and emphasizes its importance for stress-free wealth growth and budgeting. 00:00 Introduction and Welcome 00:07 Guest Introduction: Dave Ahern 00:19 Episode Overview: Automation in Finances 00:35 Dave's Personal Automation Strategies 02:19 The Importance of Automation 03:45 Common Automation Misconceptions 10:06 Investing Automation Tips 6:01 Savings Automation Strategies 21:19 Automating Your Spending 29:59 Why People Avoid Automation 35:35 Conclusion and Final Thoughts 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. Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠⁠ What do Dave and Andrew recommend? Our #1 recommended stock research platform is FinChat. Get 2 weeks access for free using our link (no card required): ⁠⁠⁠finchat.io/ifb Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠⁠. Have questions? Send them to ⁠⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠ SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Apple⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠Tunein⁠⁠⁠⁠⁠⁠ For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    43 m
  • Q&A: Screening for Red Flags; Watchlist and Industry Map Building

    Q&A: Screening for Red Flags; Watchlist and Industry Map Building
    Jun 9 2025
    In this episode, Dave and Andrew dive into listener questions about screening for red flags in companies and building a robust watchlist. Key topics include identifying financial red flags such as debt ratios and declining cash flow, the role of the 10-K in understanding business nuances, the debate between charismatic versus boring CEOs, and the methodology for building comprehensive industry maps and watchlists. The episode offers practical advice for both novice and experienced investors, emphasizing the importance of thorough research and due diligence. 00:00 Welcome to Investing for Beginners 00:13 Screening for Red Flags in Companies 09:10 Building and Organizing a Watch List 16:32 Boring vs. Charismatic CEOs 19:55 Creating an Industry Map 33:49 Conclusion and Listener Questions 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. Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠ What do Dave and Andrew recommend? Our #1 recommended stock research platform is FinChat. Get 2 weeks access for free using our link (no card required): ⁠⁠finchat.io/IFB⁠ Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠. Have questions? Send them to ⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠ ⁠⁠⁠⁠⁠⁠⁠ SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠ Apple⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠Tunein⁠⁠⁠⁠⁠ For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    42 m
  • Life as a Buy Side Investor with Dan Boston

    Life as a Buy Side Investor with Dan Boston
    Jun 5 2025
    In this episode, the hosts are joined by Dan Boston from Polar Capital to discuss small cap investing and its potential. Dan shares his journey from a young self-taught investor to managing large capital funds, emphasizing the importance of understanding a company’s fundamental operations over just financial metrics. He also discusses the implications of the global realignment on investment strategies, offering insights into how international markets, particularly small-cap stocks, may offer promising opportunities. Dan offers practical advice for young investors and underscores the value of mentorship and continuous learning. 00:00 Introduction and Guest Welcome 00:52 Dan's Early Interest in Stocks 02:20 A Day in the Life of an Investor 05:16 Career Path and Key Experiences 08:53 Advice for Aspiring Investors 14:41 Investment Strategies and Philosophy 18:28 Identifying Promising Small Companies 24:55 Evaluating Management Teams 25:53 Identifying Companies with Strong Execution Plans 26:11 Case Study: Swedish Online Pharmacy 27:46 Automation and Scale in the Pharmaceutical Industry 29:02 Global Market Trends and Company Strategies 32:24 The Great Global Realignment 37:23 Opportunities in Changing Markets 42:08 Investment Strategies and Diversification 45:20 Advice for Young Investors 48:56 Conclusion and Resources 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. Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠ More from Dan: Why international and why now? -- https://www.polarcapitalfunds.com/us/individual/News-Views/Post/10523/Why_international_and_why_now/ The Great Global Realignment: International Small Company Fund Q1 update -- https://www.polarcapitalfunds.com/us/individual/News-Views/Post/14361/The_Great_Global_Realignment_International_Small_Company_Fund_Q1_update/ Polar Capital LinkedIn: https://www.linkedin.com/company/polar-capital-us/posts/?feedView=all What do Dave and Andrew recommend? Our #1 recommended stock research platform is FinChat. Get 2 weeks access for free using our link (no card required): ⁠⁠finchat.io/IFB⁠ Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠. Have questions? Send them to ⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠ ⁠⁠⁠⁠⁠⁠⁠ SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠ Apple⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠Tunein⁠⁠⁠⁠⁠ For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    58 m
  • AAR00 - Welcome to At Any Rate. Let's Get to Know Each Other

    AAR00 - Welcome to At Any Rate. Let's Get to Know Each Other
    Jun 3 2025
    In this episode, hosts Andrew and Evan Raidt announce the launch of a new weekly segment called 'At Any Rate.' This new show will focus on beginner-friendly personal finance strategies designed to make long-term, impactful changes without sacrificing current enjoyment. Evan, a mechanical engineer and personal finance enthusiast, shares his own financial journey and emphasizes the importance of sustainable, high-leverage financial decisions. He discusses the myths and challenges around personal finance and offers insights into approachable strategies like investing in the stock market and making smart purchases. The episode promises educational content aimed at helping listeners find a balance between living a fulfilling life now and preparing for a secure financial future. 00:00 Exciting New Weekly Episodes Announcement 00:21 Introducing Evan Wright and 'At Any Rate' 02:03 Personal Finance Myths and Realities 03:56 Sustainable Financial Changes 10:03 Investing Basics and Stock Market Accessibility 15:57 Mindset Shifts for Financial Success 33:56 Future Episodes and What to Expect 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. Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠⁠ What do Dave and Andrew recommend? Our #1 recommended stock research platform is FinChat. Get 2 weeks access for free using our link (no card required): ⁠⁠finchat.io/IFB⁠ Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠⁠. Have questions? Send them to ⁠⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠⁠ ⁠⁠⁠⁠⁠⁠⁠ SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠ Apple⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠Tunein⁠⁠⁠⁠⁠ For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    43 m
  • Earnings Chat: Pharma, Tariffs, Fear & Loathing and Uncertainty

    Earnings Chat: Pharma, Tariffs, Fear & Loathing and Uncertainty
    Jun 2 2025
    In this episode, Dave and Andrew delve into the earnings of two companies, McKesson and Crocs, from Andrew's portfolio, exploring their market positions and growth potentials. They discuss the impact of external factors like potential changes in pharmaceutical pricing policies under the Trump administration and tariffs on manufacturing. The episode includes detailed insights into the financial health and strategic positioning of McKesson, a leader in pharmaceutical distribution, and Crocs, known for its consumer-centric brand. By examining key financial metrics and market uncertainties, the hosts provide a comprehensive analysis that balances both qualitative narratives and quantitative data, using tools like Finchat for deeper financial exploration. 00:00 Introduction to Earnings Discussion 00:38 McKesson: Navigating Pharmaceutical Uncertainty 04:38 McKesson's Financial Performance and Growth 20:49 Crocs: Tariffs and Market Challenges 25:02 Analyzing Crocs' Financial Health 35:28 Baseball Talk and Conclusion 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. Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠ What do Dave and Andrew recommend? Our #1 recommended stock research platform is FinChat. Get 2 weeks access for free using our link (no card required): ⁠finchat.io/IFB Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠. Have questions? Send them to ⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠ ⁠⁠⁠⁠⁠ SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠ ⁠Apple⁠⁠⁠⁠ | ⁠⁠⁠⁠Spotify⁠⁠⁠⁠ | ⁠⁠⁠⁠YouTube⁠⁠⁠⁠ | ⁠⁠⁠⁠Amazon⁠⁠⁠⁠ | ⁠⁠⁠⁠Tunein⁠⁠⁠⁠ For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    46 m
  • American Express: A Deep Dive into Its Business Model and Moat

    American Express: A Deep Dive into Its Business Model and Moat
    May 29 2025
    In this episode of Investing for Beginners, Dave is joined by Brett Schafer from Chit Chat Stocks to delve into the business model and competitive advantages of American Express (Amex). They discuss Amex’s unique vertically integrated model, combining credit card issuance with payment processing, and its robust revenue streams from swipe fees, credit card loans, and high-fee premium cards. They also highlight Amex’s strong brand equity, historical resilience, and strategic partnerships. They tackle potential risks, the benefits of their network effect, customer satisfaction issues, and the prospects of emerging competitors. To conclude, Brett shares his cautious optimism about the company and his investment strategy around it. 00:03 American Express: A Deep Dive 01:18 Buffett's History with American Express 02:54 American Express Business Model Explained 04:04 Revenue Breakdown and Key Drivers 05:56 High Fee, High Reward Cards 11:28 Expanding Customer Base 14:25 American Express' Competitive Moat 21:24 The Power of American Express 24:30 The Value of American Express for Merchants 25:00 American Express's Marketing Strategy 26:10 Pandemic Impact and Recovery 27:36 Potential Risks and Downsides 29:35 Competition and Market Position 35:32 Why Not Invest in American Express? 41:05 Key Performance Indicators to Watch 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. Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠ Today's show is sponsored by BetterHelp Get 10% off your first month today with ⁠⁠BetterHelp⁠⁠ More from Brett: Chit Chat Stocks Podcast Chit Chat Stocks Substack Brett's X Handle CCM_Brett What do Dave and Andrew recommend? Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠. Have questions? Send them to ⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠ ⁠⁠⁠⁠⁠ SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠ ⁠Apple⁠⁠⁠⁠ | ⁠⁠⁠⁠Spotify⁠⁠⁠⁠ | ⁠⁠⁠⁠YouTube⁠⁠⁠⁠ | ⁠⁠⁠⁠Amazon⁠⁠⁠⁠ | ⁠⁠⁠⁠Tunein ⁠⁠⁠⁠ For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    54 m
  • Deep Dive into Berkshire Hathaway, Intrinsic Value, and Portfolio Strategies with the Intrinsic Value Podcast

    Deep Dive into Berkshire Hathaway, Intrinsic Value, and Portfolio Strategies with the Intrinsic Value Podcast
    May 26 2025
    In this episode of 'Investing for Beginners,' we welcome Shawn and Daniel from the Intrinsic Value Podcast to discuss various investing topics, including their recent trip to the Berkshire Hathaway annual meeting. The conversation covers insights from the meeting, key observations about Warren Buffett's announcement on Greg Abel, and reflections on Berkshire's future. Shawn and Daniel also share their process for sourcing investment ideas, analyzing companies, and determining intrinsic value. They explain how they balance conviction and safety in their investment portfolios and reveal the significance of documenting a detailed investment thesis. 00:28 Berkshire Hathaway Meeting Insights 01:22 Warren Buffett's Big Announcement 03:25 Reflections on the Meeting 06:46 Future of Berkshire Hathaway 13:23 Podcasting and Investment Strategies 15:22 Researching and Pitching Stocks 24:22 Evaluating Investment Opportunities 33:15 Researching Investment Ideas 33:29 Analyzing Company Filings 34:27 Using Financial Tools and Resources 34:50 Evaluating Investment Theses 35:31 The Importance of Earnings Calls 36:00 Leveraging External Research 36:59 Writing and Reflecting on Investment Decisions 44:53 Understanding Intrinsic Value 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. Get your summer savings and shop premium wireless plans at ⁠⁠⁠⁠MintMobile.com/beginners⁠⁠⁠⁠ Today's show is sponsored by BetterHelp Get 10% off your first month today with ⁠⁠BetterHelp⁠⁠ More from Shawn and Daniel: Intrinsic Value Podcast Intrinsic Value Community What do Dave and Andrew recommend? Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠⁠Value Spotlight⁠⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠⁠stockwriteup.com⁠⁠⁠⁠. Have questions? Send them to ⁠⁠⁠⁠newsletter@einvestingforbeginners.com⁠ ⁠⁠⁠⁠⁠ SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠ ⁠Apple⁠⁠⁠⁠ | ⁠⁠⁠⁠Spotify⁠⁠⁠⁠ | ⁠⁠⁠⁠YouTube⁠⁠⁠⁠ | ⁠⁠⁠⁠Amazon⁠⁠⁠⁠ | ⁠⁠⁠⁠Tunein⁠⁠⁠⁠ For sponsorship inquiries, reach out to us at ⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    1 h y 15 m
  • Q&A: Fixing a Bad Portfolio and Reacting to AI's Disruption

    Q&A: Fixing a Bad Portfolio and Reacting to AI's Disruption
    May 22 2025
    In this episode, Dave and Andrew address listener questions and offer advice on challenging investment scenarios. They discuss whether to sell underperforming stocks and provide insights on being a long-term business owner versus a stock trader. They also delve into how to adjust free cash flow estimates and consider case-by-case scenarios for different companies. Moreover, they offer guidance to a listener who has received a significant inheritance and is seeking investment advice. The episode concludes with a discussion on the potential impact of AI on Google's search business, highlighting how to interpret and react to market news. 00:00 Welcome and Listener Questions Overview 00:13 Question 1: Handling Stock Losses 06:57 Question 2: Estimating Free Cash Flow 16:55 Question 3: Building a Wealth Portfolio 26:31 Discussion: Google and AI Disruption 35:41 Conclusion and Final Thoughts 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. Get your summer savings and shop premium wireless plans at ⁠⁠⁠MintMobile.com/beginners⁠⁠⁠ Today's show is sponsored by BetterHelp Get 10% off your first month today with ⁠BetterHelp⁠ What do Dave and Andrew recommend? Andrew works really hard to find the best insights he can every single month at ⁠⁠⁠Value Spotlight⁠⁠⁠. To see a sample of his previous work, go to ⁠⁠⁠stockwriteup.com⁠⁠⁠. Have questions? Send them to ⁠⁠⁠newsletter@einvestingforbeginners.com ⁠⁠⁠ SUBSCRIBE TO THE SHOW ⁠⁠⁠Apple⁠⁠⁠ | ⁠⁠⁠Spotify⁠⁠⁠ | ⁠⁠⁠YouTube⁠⁠⁠ | ⁠⁠⁠Amazon⁠⁠⁠ | ⁠⁠⁠Tunein⁠⁠⁠ For sponsorship inquiries, reach out to us at ⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    44 m
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