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PODCAST

The Investing for Beginners Podcast - Your Path to Financial Freedom

Andrew Sather, Stephen Morris, and Evan Raidt

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 of

business investing

All Episodes

49:30

Meta’s AI Spending: Genius Move or Zuck Losing It?

The Investing for Beginners Podcast - Your Path to... ·

2026/10/05

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 business today, while Stephen digs into what Meta’s leadership is signaling about 2026–2027 capex visibility (and how murky “2028 and beyond” still looks). From there, the conversation turns into what investors actually have to believe to own Meta: trust in Zuckerberg’s control and decision-making, plus a belief that AI becomes a durable,

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43:34

Path to Confidence: Build an Investing Playbook

The Investing for Beginners Podcast - Your Path to... ·

2026/10/01

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 building a mechanical “if-then” playbook—rules you decide ahead of time so you don’t improvise when fear hits. They connect the idea to real-world high-stress training (military, first responders, pilots): when things go sideways, you fall back on rehearsed systems, not gut reactions.They walk through how to write rules per stock (not just for

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51:56

AAR69 - Behind the Curtain - How Money Actually Moves

The Investing for Beginners Podcast - Your Path to... ·

2026/09/29

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 businesses actually make money off you, where the hidden costs live, and the practical moves you can use to “stack the deck” back in your favor. From credit card interest and swipe fees, to investing expense ratios, to overdraft traps, to mortgage math and real estate agent incentives—this is a plain-English walkthrough of the stuff nobody

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44:42

Cummins (CMI): Record Quarter, Falling Stock — What...

The Investing for Beginners Podcast - Your Path to... ·

2026/09/28

Cummins just printed a monster quarter—record revenue, raised guidance, and strong-looking headline numbers—yet the stock has been sliding hard. In this episode, Stephen and Andrew walk through why that disconnect happens and how to avoid the “headline trap” where a good quarter gets mistaken for a good stock. The big theme: stop reacting to the press release and start underwriting the business like a lender would—dig into what’s actually driving results and what could break.They cover Cummins’

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55:12

Path to Confidence: Why the Best Investors Rarely Swing

The Investing for Beginners Podcast - Your Path to... ·

2026/09/24

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 succeed not by swinging at every pitch, but by ruthlessly defining their "Circle of Competence" and ignoring the rest. In this episode, Stephen and Andrew break down how to map out your unique investing edge, overcome the psychological trap of FOMO, and use the "Scuttlebutt" method to safely expand your knowledge without incinerating your

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47:25

AAR68 - Correcting for Financial Mistakes

The Investing for Beginners Podcast - Your Path to... ·

2026/09/22

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 overspending on dining out to completely forgetting about annual expenses like car insurance and birthdays.Instead of dwelling on the guilt of busting a budget, the guys break down how to properly correct these mistakes without entering a toxic cycle of financial restriction. Plus, they share their favorite everyday "hacks" to save cash and

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42:52

What Is a Holding Company, And Should You Invest in One?

The Investing for Beginners Podcast - Your Path to... ·

2026/09/21

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 to isolate risk and absorb massive losses. While operating companies like Apple focus on core products, empires like Alphabet and Berkshire Hathaway use corporate structure as a financial weapon. In this episode, Stephen and Andrew look under the hood of the holding company model to determine if decentralization is the ultimate margin of

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52:36

Path to Confidence: The 3-Step Safety Net Every...

The Investing for Beginners Podcast - Your Path to... ·

2026/09/17

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 without a rock-solid financial foundation underneath you is a guaranteed recipe for panic-selling at the worst possible moment. In Part 2 of the "Path to Confidence" series, Andrew Sather sits down with Evan Raidt (At Any Rate) to break down why liquidity risk destroys unhedged portfolios, how to automate your cash flow to eliminate willpower,

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56:26

AAR67 - Our Ratio Rulebook - Solid Financial Starting...

The Investing for Beginners Podcast - Your Path to... ·

2026/09/15

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 and dive into the exact ratios and percentages you should be aiming for to secure your financial future.From breaking down the classic 50/30/20 budgeting rule (and why it must be calculated on your net income) to establishing hard limits for vehicle expenses, housing costs, and "fun money," the guys provide a blueprint for evaluating your

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58:07

Ian Cassel’s Rules for Profitable Small-Cap Investing

The Investing for Beginners Podcast - Your Path to... ·

2026/09/14

Most retail investors assume the biggest market gains belong to high-flying mega-cap tech stocks, but historical data reveals a completely different reality: 87% of all 10x stocks over the past decade started as microcaps. However, blindly chasing small-company story stocks is the fastest way to incinerate capital. In this episode, Andrew Sather sits down with microcap veteran and author Ian Cassel (Stock Picker, Intelligent Fanatics) to uncover how retail investors can exploit institutional blind

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66:57

Path to Confidence: Stop Chasing the Market and Pick...

The Investing for Beginners Podcast - Your Path to... ·

2026/09/10

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 playing to avoid gambling away your money. The hosts break down key investor archetypes—from hands-off 401(k) "set-it-and-forget-it" investors to broad-market index/ETF purists—exploring the pros, cons, and tax strategies behind each path.Moving beyond passive strategies, Stephen and Andrew analyze the realities of physical real estate

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60:11

AAR66 - Who Wants to Be a Millionaire?

The Investing for Beginners Podcast - Your Path to... ·

2026/09/08

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) contribution limits and average new car prices to exposing credit card score myths and gym membership waste, the guys test how well real-world finance metrics match consumer intuition.Whether you're playing along in the car or looking to sanity-check your own budget, this episode combines surprising macroeconomic statistics with practical

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48:08

The First Metric Every Investor Must Check Before Buying

The Investing for Beginners Podcast - Your Path to... ·

2026/09/07

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 know whether a business is actually compounding value, you have to look at the top line: Revenue Growth. In this episode, Stephen and Andrew break down the fundamental starting point for analyzing any stock, why top-line growth drives long-term earnings per share (EPS), and how to use base rates to spot unrealistic hypergrowth traps before they

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51:27

Is NVIDIA’s High-Margin Machine Sustainable?

The Investing for Beginners Podcast - Your Path to... ·

2026/09/03

NVIDIA is currently pulling off something unprecedented in financial history: posting startup-like revenue growth (+126% in 2024 and +114% in 2025) while sitting at a massive $4 trillion valuation. Mainstream media treats this hyper-growth as an unstoppable tech miracle, but history shows that every infrastructure CapEx boom eventually faces physical and economic boundaries. In this episode, Stephen and Andrew look under NVIDIA's hood to examine whether its fabless business model and CUDA software

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54:19

AAR65 - Where Are People Wasting Money?

The Investing for Beginners Podcast - Your Path to... ·

2026/09/01

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 missteps that cause people to waste cash—from point-of-sale financing traps to unneeded consumer upgrades and stagnant checking accounts.Instead of shaming bad spending habits, the guys share honest personal realizations (including Evan’s eye-opening look at phone installment plans) and provide simple, actionable systems like sinking funds and

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39:46

How to Get 9% Returns with Half the Market Volatility

The Investing for Beginners Podcast - Your Path to... ·

2026/08/31

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 life. But when the market crashes and portfolios get cut in half, human psychology kicks in, and retail investors almost always panic-sell at the exact wrong time. In this episode, Stephen sits down with contrarian market veteran Jared Dillian to dissect the psychological flaws of traditional indexing and break down the "Awesome Portfolio"—a

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49:47

Dissecting Capital One, Netflix, and Wall Street's...

The Investing for Beginners Podcast - Your Path to... ·

2026/08/27

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 credit card company suddenly posts triple-digit growth, it’s rarely an economic miracle—it’s an accounting illusion. In this episode, we run a live revenue breakout screen to show exactly how Wall Street numbers lie, why corporate acquisitions distort financial data, and how to protect your capital from manufactured hype.What You Will

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60:20

AAR64 - The Personal Finance Time Machine

The Investing for Beginners Podcast - Your Path to... ·

2026/08/25

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 early 20s to unpack what actually matters when transitioning from school into the real world.From managing the overwhelming urge to hit every financial milestone at once, to unlocking the true power of compound interest and dismantling the exhausting trend of "over-optimizing" every area of life, the guys share honest reflections on money,

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68:05

AI, Space, and Defense: Separating Hype from True Moats

The Investing for Beginners Podcast - Your Path to... ·

2026/08/24

Wall Street loves a good sci-fi narrative. Between artificial intelligence, private space exploration, and next-generation defense tech, it is incredibly easy to get swept up in the stories these companies sell. But stories don’t pay dividends, and media hype doesn't fund capital expenditures. In this episode, Andrew and Stephen put the market's most futuristic sectors to the test, tier-ranking individual stocks based on fundamental safety, capital efficiency, and realistic valuations rather than

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42:47

The Psychology of Position Sizing

The Investing for Beginners Podcast - Your Path to... ·

2026/08/20

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 paralyzed by uncertainty or cut positions at the first sign of discomfort. Managing these emotional extremes isn't just about discipline—it requires a practical, repeatable framework to audit your portfolio without letting fear or greed make the call. In this episode, Stephen and Andrew break down how to take your emotional temperature,

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