Podcast appearances and mentions of brian feroldi

In this episode of the Personal Finance Podcast,  we're going to talk to Brian Feroldi about  the most underrated way to build wealth. Today we will discuss with Brian about:  What stock-based compensation is in simple terms? Should employees try to negotiate their stock-based compensation package? If so, how? What are the key tax implications of stock-based compensation? How does an Employee Stock Purchase Plan (ESPP) work? What are some common mistakes employees make with stock-based compensation? Which companies are known for offering high stock-based compensation? How Andrew Can Help You:  Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Go to joindeleteme.com/pfp20 for 20% off! Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Turn your business dream into reality! Apply now at www.oneday.org/pfp  Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today! Delete Me: Use Promo Code PFP for 20% off!  Previous Episode Brian Feroldi:  A Masterclass on Investing in Individual Stocks with Brian Feroldi Connect with Brian Feroldi Website Linkedin Youtube Twitter Instagram Tiktok Facebook Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 100 of The Best Interest Podcast! This is a celebratory and reflective milestone featuring guest shout-outs, listener-favorite clips, and a discussion on the show's evolution. Jesse shares the podcast's origins, his journey from aerospace engineering to financial planning, and how the podcast nearly faded before finding renewed purpose in 2023. Throughout the episode, Joe Saul Sehy, Brian Feroldi, Paula Pant and other past guests are featured, shouting out The Best Interest and their own work, you'll certainly want to check out.  To celebrate, listeners wrote in with some of their favorite clips, including Jeremy Schneider's discussion with Jesse on his “7 Deadly Sins of Investing” from episode 70. Of course, Jesse's AMA's have been incredibly popular, so segments are featured from episodes 81 and 96 where Jesse answered questions about diversification, patience, and risk management.  Thanks, listeners, for supporting the podcast's first 100 episodes. We look forward to the future of "Personal Finance for Long-Term Investors."   Key Takeaways:• Relying solely on one asset class, such as large-cap U.S. stocks, increases risk and limits flexibility in different market conditions. • No asset class can outperform indefinitely; over time, returns tend to move back toward historical averages. • Holding international stocks can help balance risk, as different regions perform well at different times. • Just because a strategy has worked for years doesn't mean it will continue to do so; market conditions evolve. • As retirement nears, reducing portfolio volatility becomes more important, and diversifying helps protect against severe downturns. • The best strategy involves preparing for uncertainty, adjusting portfolios based on personal financial goals rather than chasing recent winners.   Key Timestamps:(03:43) Reflections on the Journey (15:15) Rebranding Announcement (19:44) Highlighting the Best Clips (38:53) The Importance of Indexing and Market Timing (40:52) Understanding the CAPE Ratio (45:12) The Risks of Timing the Market (51:45) Dollar Cost Averaging vs. Lump Sum Investing (54:42) Diversification: Why It Matters   Key Topics Discussed:The Best Interest, Jesse Cramer, Rochester New York, financial planner, financial advisor, wealth management, retirement planning, tax planning, personal finance, long term investors, Joe Saul Sehy, Brad Barrett, Nick Maggiulli, Justin Peters, Jeremy Schneider, Doug Cunnington, Joel Larsgaard, Paula Pant, andy Hill, Steve Adcock, Dan Otter, Brian Feroldi, episode 100, celebration, millionaire money habits   Mentions:Joe Saul Sehy: https://joesaulsehy.com/ Brad Barrett: https://choosefi.com/ Nick Maggiulli: https://ofdollarsanddata.com/ Justin Peters: https://www.tsirpodcast.com/ Jeremy Schneider: https://www.instagram.com/personalfinanceclub/?hl=en Doug Cunnington: https://milehighfi.com/ Joel Larsgaard: https://www.howtomoney.com/about-us/joel-larsgaard/ Paula Pant: https://affordanything.com/ Andy Hill: https://marriagekidsandmoney.com/about/ Steve Adcock: https://steveadcock.us/ Dan Otter: https://teachandretirerich.com/ Brian Feroldi: https://www.youtube.com/@BrianFeroldiYT    More of Personal Finance for Long-Term Investors:Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog Personal Finance for Long-Term Investors is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

In this episode of Going Forward, Eric Elliott welcomes Brian Feroldi, financial educator and investment expert, to discuss the power of financial literacy in business and investing. Brian shares his journey into investing, why understanding numbers is crucial, and how passion alone isn't enough to run a successful business.They also explore the financial pressures law firms face, including the Cash Conversion Cycle—revealing how rapid growth without the right strategy can harm a business. Whether you're an investor, entrepreneur, or business owner, this episode offers valuable insights to help you make smarter financial decisions.Connect w/ Eric Elliott: Website: ⁠⁠https://ericelliott.com/⁠⁠ Facebook: ⁠⁠https://www.facebook.com/ericelliottspeaker⁠⁠ LinkedIn: ⁠⁠https://www.linkedin.com/in/iamericelliott/⁠⁠ Instagram: ⁠⁠https://www.instagram.com/ericmelliott/⁠⁠ Twitter: ⁠⁠https://twitter.com/EricMElliott⁠⁠ Tiktok: ⁠⁠https://www.tiktok.com/@ericmelliott⁠⁠ Email: Eric@EricElliott.com Text: 843-279-5843Connect w/ Brian Feroldi: Website: ⁠⁠https://www.brianferoldi.com⁠ Read: "Why does the StockMarket Go Up" https://www.brianferoldi.com/book/ ⁠ ⁠Instagram: ⁠https://www.instagram.com/brianferoldi/ ⁠LinkedIn: https://www.linkedin.com/in/brianferoldi/ Twitter: https://x.com/brianferoldi?mx=2 Facebook: https://www.facebook.com/brian.feroldiSupercharge your online advertising campaigns with Optmyzr! Streamline management, optimize performance, and boost your ROI.Visit⁠⁠https://hs.optmyzr.com/hs/vip⁠⁠ to discover how Optmyzr can revolutionize your digital marketing.As a special treat for our listeners, sign up with the code GOINGFORWARD20 and enjoy an exclusive 20% discount on your first year with Trainual! Seize this opportunity to supercharge your operations and propel your business forward!Eric Elliott is a self-made entrepreneur and marketing expert with extensive experience crafting impactful brand narratives for clients across industries. He is the founder of VIP Marketing and Craft Creative. In 2009, Mr. Elliott started VIP Marketing with almost no resources. VIP now has a global team and is recognized as one of the top branding agencies in the USA by Clutch. co. He founded Craft Creative in 2015, a full-service video production company providing premium services to clients across the US. Eric is also the host of Going Forward, a podcast moving conversations with entrepreneurs and leaders that inspire, motivate, and challenge you to embrace possibility and make a difference. Mr. Elliott is the author of numerous articles and an active contributor to Entrepreneur Magazine, Forbes, and Medium. Recognized as a pillar of his community, the city of North Charleston established Eric Elliott Day to honor his name and legacy to inspire others.Brought to you by VIP Marketing:VIP Marketing is a digital advertising agency based in Charleston, SC. Our mission is to separate our clients from the crowd. We commit to serving and delivering their marketing and creative needs on time and within scope. So then, our goal is to partner with businesses to market to the right people and capture their attention. In brief, we get results with premium video production, social media marketing, graphic design, media planning, and media buying.

Explore the latest insights on the stock market performance and investment strategies with friend of the show and frequent guest Brian Feroldi. This episode dives deep into the trends that shaped 2024 and what to expect in 2025, discussing everything from the significance of the S&P 500 to long-term investing principles and the impact of emerging technologies on market growth. Key Topics Discussed: 00:00:44 Review of 2024 Market Performance S&P 500 Gains: The S&P 500 saw a 25% increase in 2024, following a 26% rise in 2023. Frequency of High Returns: 20%+ returns are uncommon but have occurred five times in the past decade. 00:03:27 Investor Policy Statement Investment Horizon: Key question - When do you need your investment to pay off? The stock market is not ideal for investments with a timeline less than five years. Actionable Takeaway: Assess your investment horizon and risk tolerance before investing in stocks. 00:06:02 The Expectations Game Managing Expectations: Investing is about understanding potential returns compared to what you expect. 00:06:15 Concentration of Returns Top 10 Companies: The top 10 stocks in the S&P 500 represent 39% of the index's total value, an all-time high. These include major tech firms referred to as the "magnificent seven." Investor Caution: Be cautious about concentrating investments solely in these companies as market dynamics can shift. 00:16:22 Valuation Insights Current Valuations: The forward price-to-earnings ratio for the S&P 500 stands at 21.5, which is above the 30-year average of 17. Future Returns: Be prepared for lower future returns, with predictions leaning towards low single digits based on historical data under similar valuation scenarios. 00:29:10 Market Concentration Concerns Current Market Dynamics: While the biggest companies dominate, many are strong businesses leveraging innovative technologies like AI. Investors should stay aware of the risks associated with market concentration. 00:37:03 Reasons for Optimism Innovation Potential: Despite high valuations, emerging technologies could justify current price levels and drive future growth. 00:39:12 Lifelong Learning Importance of Education: Continually educate yourself on investing principles and market trends. Key Insights & Actionable Takeaways: Focus on Time Horizons: If you need money in less than five years, avoid the stock market. Sustained High Savings Rate: A high savings rate can greatly enhance your financial security. Stay Agile: Continually update your investing strategy and be flexible in your approach as market conditions evolve. Monitor Valuations: Keep an eye on the market's valuation levels and adjust your expectations for future returns accordingly. Diversification: Consider diversifying beyond large-cap stocks into small caps, international stocks, or real estate for better risk management. Notable Quotes: "If the answer is any time period less than five years, I don't think the stock market is the place that you should put that capital." 00:03:27 "Investing is always an expectations game." 00:06:02 "Education is the first step to investment success." 00:39:12 Additional Resources: Brian's Website: View Here JP Morgan Asset Management Stock Market Presentation: View Here Episode Mention: Explore "The Role of Bonds in a Portfolio" Episode 194 Discussion Questions: What are your personal criteria for investing in the stock market? How should historical returns influence your current investment strategy? What are your thoughts on market concentration and its implications for investing?

In this episode, Tait Duryea and Ryan Gibson welcome Brian Feroldi, author of Why Does the Stock Market Go Up? to unpack the fundamentals of the stock market and explain strategies tailored for pilots and high-income professionals. Brian demystifies the difference between Roth and traditional 401(k) contributions, shares insights into dividend investing, and explains how to identify great companies for long-term growth. He also offers advice on working with financial advisors and highlights why most investors are better off with index funds. Whether you're new to investing or looking to refine your strategy, this episode is packed with actionable insights.Brian Feroldi is a stock market expert, author, and financial educator who has been investing since he was 19. Known for his straightforward approach to financial literacy, Brian wrote Why Does the Stock Market Go Up? Everything You Should Have Been Taught About Investing in School, But Weren't, a guide for beginners looking to understand the stock market and build wealth. With a passion for analyzing businesses and empowering individuals to make smarter financial decisions, Brian helps professionals navigate everything from 401(k)s to stock picking, while debunking myths about investing.Show notes:(0:00) Intro(01:20) Q & A: Roth vs. traditional 401(k) tax strategies for pilots(10:24) Brian's journey from gambling to investing in stocks(16:55) How the stock market works: An investor's perspective(24:55) What an overvalued stock market means(29:40) Brian's stock analysis checklist: What to look for in a business(36:13) Tax-loss harvesting explained(40:30) Should you hire an advisor for your 401(k)?(45:50) Diversification beyond stocks: Brian's personal portfolio philosophy(49:06) Volatility vs risk(52:10) Key takeaways from Brian's book Why Does the Stock Market Go Up?(54:42) OutroConnect with Brian Feroldi:Book: Why Does the Stock Market Go Up? - https://amzn.to/40w3lfJ Youtube: https://www.youtube.com/c/BrianFeroldiYTX: https://x.com/BrianFeroldi Instagram: https://www.instagram.com/brianferoldi Facebook: https://www.facebook.com/brian.feroldi — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you on the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

Watch the YouTube version of this episode HEREAre you a law firm owner who is looking for some advice when it comes to the company's finances? In this episode of the Maximum Lawyer podcast, Tyson Mutrux engages in a thought-provoking discussion with Brian Feroldi, a seasoned expert in stock picking and financial statement analysis. The conversation centers around the importance of understanding financial statements and how this knowledge can be particularly beneficial for law firm owners.Brian delves into the importance of financial education for those in the legal field. For law firm owners, it is important to understand how to create financial statements and what it means for a business as it relates to determining success. Determining success can be done by analyzing financial statements and finding out how much profit a company is making, the direction of their financial results and the balance of cash and liabilities. For those who are thinking about acquiring a business, these factors are important to think about.Scaling a law firm needs to be done strategically or else it can fail. The more successful a law firm is, the more cash they will eat. That is why many firms need lines of credit, because the access to cash in the bank is not always readily available. For firms to stay afloat, owners need to balance growth with having the cash to support it.Listen in to learn more!1:64 The need for financial statement education for lawyers4:47 The three primary financial statements crucial for analysis15:66 Discussion on cash flow issues faced by scaling law firms 19:30 Discussion on the significance of personnel costs in law firms41:63 Prioritizing long-term relationships and success over short-term gainsTune in to today's episode and checkout the full show notes here. Connect with Brian:Website Instagram  X TikTokLinkedinYoutube

How does the stock market go up, and what role does smart investing play in building wealth? Josh sits down with Brian Feroldi, financial educator, author, and host of the Youtube channel Long Term Mindset, to explore these topics. Brian discusses his journey from financial illiteracy to becoming a trusted voice in the investing world and shares insights from his book, Why Does the Stock Market Go Up? Their conversation covers the basics of wealth-building, including compound interest, the Rule of 72, and automating financial habits. Brian and Josh discuss ETFs versus mutual funds, strategies for valuing companies at different growth stages, and lessons from market icons like Warren Buffett. The two also delve into the healthcare and tech sectors, with Brian spotlighting advancements like room-temperature organ transplant technology as part of the evolving investment landscape. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

Robert Leonard chats with Brian Feroldi about why personal finance isn't widely spread in the US education system today, why stocks have value in the first place, what the Dow Jones Industrial Average, S&P 500, and the Nasdaq really are and how they differ, why public companies might issue new shares or even buy back their own shares, why the stock market generally goes up over a long time horizon, and much more! Brian Feroldi has been intensely interested in money, personal finance, and investing ever since he graduated from college. Brian started investing in 2004. In the beginning, he got his teeth kicked in. His returns improved dramatically as he learned more about how the stock market works. IN THIS EPISODE, YOU'LL LEARN 00:00 - Intro 01:55 - Why personal finance isn't widely spread in the US education system today. 06:19 - Why stocks have value in the first place. 11:27 - What the Dow Jones Industrial Average, S&P 500, and the Nasdaq really are and how they differ. 17:32 - What the difference is between a publicly vs privately traded company, and why a company would want to go public. 29:20 - Why public companies want their stock price to go up. 37:09 - Why public companies might issue new shares or even buy back their own shares. 42:12 - How Brian thinks about valuing a company. 55:53 - Why the stock market generally goes up over a long time horizon. And much, much more! *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences. BOOKS AND RESOURCES Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Kyle and the other community members. Check out Brian's new book, Why Does the Stock Market Go Up? Check out all of Brian's Motley Food Articles. Related episode: Listen to MI082: You CAN Beat The Market W/ Brian Feroldi, or watch the video. Related episode: Listen to MI124: Is Amazon a Value Stock? w/ Jason Moser, or watch the video. Check out the books mentioned in the podcast here. Enjoy ad-free episodes when you subscribe to our Premium Feed. NEW TO THE SHOW? Follow our official social media accounts: X (Twitter) | LinkedIn | Instagram | Facebook | TikTok. Check out our Millennial Investing Starter Packs. Browse through all our episodes (complete with transcripts) here. Try Kyle's favorite tool for picking stock winners and managing our portfolios: TIP Finance. Enjoy exclusive perks from our favorite Apps and Services. Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets. Learn how to better start, manage, and grow your business with the best business podcasts. SPONSORS Support our free podcast by supporting our sponsors: Range Rover Toyota Public Airbnb Fundrise NetSuite Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

#530: We sit down with financial educator Brian Feroldi to dive into the often-overlooked world of stock-based compensation. This form of compensation is becoming more common, especially in large companies, but many employees don't fully understand how to make the most of it. Brian helps break down the basics, explaining what stock-based compensation is and why companies use it to attract and retain employees. We start by discussing why companies offer stock options or restricted stock units (RSUs) instead of just higher salaries or bonuses. Brian explains that stock-based compensation is a way for companies to align your interests with the success of the business. When you own a piece of the company, you're more likely to care about its performance, which can drive you to work harder and stay longer. This also allows companies to conserve cash while still offering competitive compensation packages. Brian also highlights the importance of understanding the different types of stock-based compensation. He breaks down stock options, where you have the right to buy company stock at a set price, and RSUs, where you're given shares of stock that vest over time. Each has its pros and cons, and understanding these differences can help you make better decisions about your compensation. One of the key takeaways from our discussion is the importance of negotiation. Brian emphasizes that the best time to negotiate stock-based compensation is when you're first hired. Companies often have more flexibility with stock options than with salary, so it's crucial to ask for more stock or a shorter vesting period upfront. This can make a big difference in your long-term financial gains, especially if the company's stock value increases over time. We also touch on the tax implications of stock-based compensation. Brian explains that different types of stock options are taxed differently, and understanding these tax rules can help you minimize your tax bill. For instance, holding onto stock after exercising options can lead to lower taxes if the stock price rises and you qualify for long-term capital gains. Throughout the interview, Brian shares practical tips for you, such as targeting companies in industries like technology and healthcare that are known for generous stock-based compensation packages. He advises you to educate yourself on your company's specific policies and to be proactive in managing your stock options to avoid leaving money on the table. By the end of the episode, you'll have a clearer understanding of stock-based compensation and how to leverage it to build wealth. Brian's insights are particularly valuable if you're switching jobs and want to maximize your compensation package. Resource Mentioned: Finchat.io For more information, visit the show notes at https://affordanything.com/episode530 Timestamps: Note: Timestamps will vary on individual devices based on dynamic advertising run times. 2:16 - Explain why companies offer stock compensation over salaries 4:00 - Discuss how stock compensation aligns employee and company goals 7:28 - Introduce types of stock compensation: stock options vs. RSUs 12:24 - Explain the significance of vesting schedules 17:00 - Discuss tax implications of stock options and RSUs 28:00 - Emphasize the long-term impact of stock-based compensation on financial independence 34:00 - Identify industries with high stock compensation, like tech and healthcare 40:00 - Discuss benefits of Employee Stock Purchase Plans (ESPPs) Learn more about your ad choices. Visit podcastchoices.com/adchoices

#186: We'll break down 25 investing and finance rules of thumb, so you can learn to make better financial decisions, whether your goal is growing your wealth, retiring early, managing your portfolio, buying a car, or many other goals. Brian Feroldi is an investing expert and founder of Long Term Mindset, a financial education company. He is the author of Why Does The Stock Market Go Up? and shares his financial knowledge through The Motley Fool and his popular YouTube channel. Link to Full Show Notes: https://chrishutchins.com/investing-personal-finance-rules-of-thumb-brian-feroldi Partner Deals DRAM: 20% off my favorite sparkling water with zero calories, zero sugar Superhuman: Free month of the fastest and best email with code ALLTHEHACKS Bilt Rewards: Earn the most valuable points when you pay rent Fabric: Affordable term life insurance for you and your family Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Brian Feroldi: Website | X | Instagram | LinkedIn | YouTube 12 Timeless Lessons For Stock Investors Emergency Fund Size Formula ATH Podcast: Episode #48: Using an Investing Checklist to Improve your Portfolio with Brian Feroldi Episode #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins Follow & Review on Apple Podcasts Email us for questions, tips, deals and feedback Books: The Millionaire Next Door by Thomas J. Stanley and William D. Dank Stocks for the Long Run by Jeremy Siegel Blog Posts: Nick Maggiulli: Should I Max Out My 401k? Early Retirement Now: The Safe Withdrawal Rate Series 401k Fee Checker Wealthfront: Get a 0.5% APY boost Full Show Notes (00:00) Introduction (00:48) Why Personal Finance and Investing Is a Complicated Subject (02:30) The Rules of 72 and 70 (04:48) How to Apply Rule 72 (06:24) Rule 110(09:09) The 5 Year Rule (10:54) The 10-5-3 Rule for Growth Rates (12:26) The 6% Rule (13:57) The 3-6 Rule for Personal Finance (19:06) Brian's Emergency Fund Size Formula (21:40) The 5% Rule (23:28) Brian's Personal Rule of Thumb for Investing (27:07) The 1% Rule (31:27) Hiring Advisors (37:40) Calculate Your Net Worth: Age x Income / 10 Rule (39:37) The 15% Rule for Saving (40:46) The 50-30-20 Rule (42:00) The 80% Rule (44:03) The Employer Match Rule (46:52) The 4% Rule (49:07) The 25x Rule (An Inverse Rule) (50:35) The 20-4-10 Rule for Buying a Car (52:32) The Debt : Income Ratio (53:42) The 3% to 4% Salary Increase Rule (55:16) The 8-50 Rule (56:15) Chris' 4-3-2 Rule for Cashback Points Connect with All the Hacks All the Hacks: Newsletter | Website | Membership | Email Chris Hutchins: X | Instagram | Website | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

When you get to be a famous investor, it is harder to generate market-beating returns. (00:21) Jason Hall and Ricky Mulvey discuss - Earnings from PayPal. - Cooled expectations for Bill Ackman's latest offering. - And if CrowdStrike is becoming a buying opportunity. Then, (15:01) Alison Southwick and Brian Feroldi finish up their Summer School series with a biology class and examine the life cycle of companies. Companies mentioned: PYPL, OTC: PSHZF, DAL, CRWD, RIVN, MNDY, AMZN, AAPL Host: Ricky Mulvey Guests: Jason Hall, Alison Southwick, Brian Feroldi Producer: Mary Long Engineers: Dan Boyd, Desiree Jones Learn more about your ad choices. Visit megaphone.fm/adchoices

Enjoy this re-release with my guest, Brian Feroldi. Brian is a financial educator, author, speaker, creator, and YouTuber. Brian began investing in 2004. He had no idea what he was doing at first, but as his experience and knowledge of the stock market developed, his returns improved considerably. He enjoys assisting others in making better financial decisions, particularly with regard to investments. He joined us today to talk about his book, ‘Why Does the Stock Market Go Up?: Everything You Should Have Been Taught About Investing in School, But Weren't.'According to Brian, the most powerful time to start investing is when you are young. The more time that you have on your side, the more powerful the dollars that you are putting into the market. Brian shares the common investing mistakes people make and how to avoid making those mistakes.We explore the benefits and potential pitfalls of taking a company public and investing in mutual funds. Brian also dives into the history of the Dow Jones Industrial Average and the creation of the S&P 500. Whether you're a seasoned investor or just starting out, this episode offers valuable insights into the world of finance.[02.54] US stock market – Starting the conversation, Brian explains why he addresses the US stock market as the greatest wealth-creation machine of all time in his book.[10.29] Selling ownership – We talk about how a corporation can raise money from investors by selling ownership in itself.[16.03] New York Stock Exchange - The largest stock market exchange in the world today.[23.15] IPO – Brian defines what an IPO is and how it interfaces with the stock market.[30.21] P/E ratio – Brian defines the Price to Earnings ratio and the macroeconomic factors that resulted in a high or low ratio in different time periods.[38.05] Benjamin Graham – Benjamin Graham invented the concept of value investing, influenced Warren Buffett[43.00] Compounding - The compounding of an investment leads to massive gains in wealth over time.[50.49] Mutual funds – Brian explains the reasons for the underperformance of mutual funds.[59.46] Financial advisor – We talk about the things people need to be looking out for if they are going to use a financial advisor. ResourcesConnect with Brian Website - brianferoldi.com/ LinkedIn - linkedin.com/in/brianferoldi/ Instagram - instagram.com/brianferoldi/ YouTube - https://www.youtube.com/@BrianFeroldiYTTwitter - twitter.com/BrianFeroldi Book by BrianWhy Does The Stock Market Go Up?: Everything You Should Have Been Taught About Investing In School, But Weren't Book by Robert T. KiyosakiRich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!Book by Terry SmithInvesting for Growth: How to make money by only buying the best companies in the world – An anthology of investment writing

Housing supply is slowly rising. So are prices. (00:21) David Meier and Ricky Mulvey discuss the state of home sales and earnings from UPS and Spotify. Then, (14:52) Alison Southwick and Brian Feroldi continue their summer school series with a language arts class for investors. Learn more about the Range Rover Sport at www.landroverusa.com Companies discussed: UPS, SPOT Host: Ricky Mulvey Guests: David Meier, Alison Southwick, Brian Feroldi Producer: Mary Long Engineers: Dan Boyd, Desiree Jones Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on the podcast, we welcome back author and financial educator, Brian Feroldi. His bestselling book is Why Does the Stock Market Go Up? He is also the founder of a financial education company called Long Term Mindset and a contributor to The Motley Fool. In addition, Feroldi has a big presence on YouTube, where his videos receive hundreds of thousands of views. He received his bachelor's degree from the University of Connecticut and his MBA from the University of Rhode Island.BackgroundBioLong Term MindsetThe Motley FoolWhy Does the Stock Market Go Up? Everything You Should Have Been Taught About Investing in School, But Weren't, by Brian FeroldiResourcesRich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!, by Robert KiyosakiNick MaggiulliWarren Buffett and the Interpretation of Financial Statements: The Search for the Company With a Durable Competitive Advantage, by Mary Buffett and David ClarkThe Little Book That Builds Wealth: The Knockout Formula for Finding Great Investments, by Pat DorseyChecklists and ValuationInvesting Checklists“How to Analyze a Company in Less Than 5 Minutes—Key Financial Ratios,” by Brian Feroldi, LinkedIn.“How to Analyze Stocks,” by Brian Feroldi, LinkedIn.“8 Ways to Value a Company,” by Brian Feroldi, LinkedIn.“Face Value, Fair Value, Market Value, and Book Value. What's the Difference?” by Brian Feroldi, LinkedIn.“5 Essential Investing Lessons From Brian Feroldi You Can't Ignore,” by Francesco Casarella, investing.com, Aug. 23, 2023.Other“Nick Maggiulli: ‘The Biggest Lie in Personal Finance,'” The Long View podcast, Morningstar.com, April 12, 2022.“Do Global Stocks Outperform US Treasury Bills?” by Hendrik Bessembinder, Te-Feng Chen, Goeun Choi, and K.C. John Wei, paper.ssrn.com, July 5, 2019.Brian Feroldi's Tribute to Charlie Munger

Today we dive deep into the stock market with special guest, Brian Feroldi. As a financial educator, YouTuber, and author of “Why Does the Stock Market Go Up?”, Brian shares his wisdom on the long-term growth of the S&P 500, the significance of stock market indices, and the nuances of volatility and investment strategies. Bill, Jackie, and Brian discuss lump sum vs. dollar-cost averaging, dividends, and individual stock investing, while addressing common questions about tax implications and account types. Brian's passionate and detailed explanations offer invaluable insights for both new and seasoned investors. Don't miss the fascinating history of the 401k and why a solid understanding of the stock market is crucial for financial independence!

Alphabet eyes its biggest acquisition of all time in Wiz, and a struggling retailer's outlook gets worse – but it might be a buying opportunity for investors.   (00:22) Jason Moser and Dylan Lewis discuss: - Retirement lessons and a reminder to ignore the exogenous from our colleagues at FoolFest 2024.  - Why Alphabet is eying a $23B cybersecurity acquisition. - Five Below's stock going on sale, and whether new leadership can put the struggling retailer back on track.  (16:25) Alison Southwick and Brian Feroldi continue their summer school series, running through the financial metrics that can help investors understand a company's valuation and one less common ratio that can tell you a lot about profitability. Companies discussed: GOOG, GOOGL, FIVE, AAPL, NVDA, MSFT Host: Dylan Lewis Guests: Jason Moser, Alison Southwick, Brian Feroldi Producer: Ricky Mulvey Engineer: Tim Sparks Learn more about your ad choices. Visit megaphone.fm/adchoices

A couple of weeks ago, Skydance Media's offer to buy Paramount looked like it was dead. Now, both companies have a joint press release announcing the deal. (00:21) Jason Moser and Ricky Mulvey discuss: - What Skydance Media is getting in the Paramount deal. - Why Netflix is winning the streaming wars. - Questions that investors should ask before putting money in a turnaround story. Then, (15:58) Alison Southwick and Brian Feroldi kick off their summer school series with a history class on markets. Companies discussed: PARA, NFLX, DIS, PYPL Learn more about the Range Rover Sport at www.landroverusa.com Host: Ricky Mulvey Guests: Jason Moser, Alison Southwick, Brian Feroldi Engineers: Dan Boyd, Desiree Jones David Ellison interview on “The Town”: https://podcasts.apple.com/us/podcast/skydances-david-ellison-on-his-plans-for-paramount/id1612131897?i=1000661591016 Brian Feroldi's newsletter: https://longtermmindset.co/newsletter/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Is the secret to investment success all about making your decisions as if you were a 50-year-old woman? We tackle that take on today's roundtable discussion. We're joined by one of the best voices who gives investing advice online, Brian Feroldi. He's joined by the lady who knows all about making wise investing decisions, no matter your age, Paula Pant. And finally, we also feature the advice of our in-house financial planner (who happens to have the temperament of a 50-year-old woman), OG. In the second half, brought to you by DepositAccounts.com, we continue down the list of how to win by investing like a 50-year-old woman. And, finally, be sure to stick around for Doug's sky-high stock-institution trivia. It will surprise you! FULL SHOW NOTES: https://stackingbenjamins.com/invest-smarter-think-like-a-50-year-old-woman-1537 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 During our conversation, you'll hear us mention: Sticking to your investment plan, even in times of market correction. Why "this time is different" is a dangerous mindset. Weighing the long-term risk-reward relationship. The benefit of indexing. Investing according to your time horizon and risk tolerance. The fallacy of trying to time the market. Dollar-cost averaging. How to resist the temptation to tinker with your investments. How to trick yourself from reacting to every piece of news. How to avoid FOMO. Why you shouldn't care about what others think. Stop comparing yourself to others. Allowing yourself to allocate a small amount of your portfolio to taking outsized risks. Investing in individual stocks if it works for you. Allocating a limited amount of time to making investment decisions. How to distinguish between sound advice and not-so-reputable salespeople. Use good judgment when deciding whose advice to follow. Finding the investing style that works for you. Learning from failure. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Before we talk about selling stock to buy a house, we must understand what a stock is, and how you can buy and own them, so that's where Lauren and Landon start. They also go over what a brokerage account is, versus your retirement accounts. Sometimes, even for long term investors, short-term needs and wants start to outweigh long-term needs and wants. For example, it may become more important to you to buy a home than hold your stocks. Also, interest rates mean that putting more down pay be a good way to go to keep your payment down. So, Lauren wonders what the interest rate is that make it make more sense to put more into your home than have it invested in the stock market. It truly depends. Don't forget, there is a possibility you can refinance later. And by the way, Landon believes in 30-year fixed mortgages. If you sell stocks, you pay taxes. What are the implications? Landon says that you decide what you want to do, then taxes can tell you how to do it. You shouldn't make decisions based on taxes. Note that there is no withholding on stock sales. Lauren then asks about using retirement stocks to buy a house, like 401k loans. They briefly talk about taking $10k out with no penalty, but nowadays that just doesn't help much. Finally, Landon agrees with Lauren that your primary home is an asset. If you liked this episode, you'll also like episode 90: Stock Market History with Brian Feroldi or 115: Dividends with Dividend Dream. About Landon: Landon Loveall is a certified financial planner and dedicated advocate for tech professionals to increase their wealth through financial, tax and stock option planning. He is a partner of KB Financial Advisors which has been specializing in maximizing stock options for tech employees since 2014. Connect with Landon: https://www.linkedin.com/in/landonloveall/ https://kbfinancialadvisors.com/ Connect with Lauren: https://twitter.com/AdultingIsEasy https://www.instagram.com/@adultingiseasyreal https://www.housemoneymedia.com/

This week we welcome financial content creator and author, Brian Feroldi, back to the show. Learn why the P/E ratio is a sloppy metric at face value. What metrics should you use depending on what stage of life a business is in? Tune in to find out.Send your questions for the show to checkyourbalances@outlook.com to be featured on upcoming episodes!Find this episode on YouTubeWe're also on Instagram

W-2 jobs don't often get a ton of love in the financial independence space. However, we'd argue it's the most likely path for the largest percentage of people. Especially when you learn how to really squeeze all the value out of that career. Brian Feroldi joins us to discuss just how to do that. Specifically how to leverage Stock-Based Compensation (SBC). It's possible that the stock your company gives you makes you more money than your entire salary. But it can be a nuanced subject with terms like Options, RSUs, vesting period, etc Make no mistake, the golden handcuffs get their name honestly. This compensation is a tactic to hold onto the best and give you a big reason to stick around just one more year (then one more...) It also aligns you and the business to the same overall goal via incentives. That goal is to maximize profits because if the company wins, you also win. You may have been curious about Stock-based Compensation or maybe you're already in this world but need more clarity. Either way, this episode will answer all those burning questions and show you how to maximize every last drop of your W-2 job. If you found this episode helpful, please share it with a friend! Links from The Episode Brian's YouTube Brian's X (aka Twitter) Brian's Instagram Brian's Website YouTube Interview https://youtu.be/KNd7r1uJD7I Join the Community We'd love to hear your comments and questions about this week's episode. Here are some of the best ways to stay in touch and get involved in The FI Show community! Grab the Ultimate FI Spreadsheet Join our Facebook Group Leave us a voicemail Send an email to contact [at] TheFIshow [dot] com If you like what you hear, please subscribe and leave a rating/review! >> You can do that by clicking here

Are you living by the right principles to actually progress in business, investing, and lifeIn this episode, we dive deep with Brian Feroldi, an investor and entrepreneur, who shares his journey of investing and building business at the highest level. We explore Brian's philosophy on following natural curiosity, the power of consistency, and the importance of willpower in achieving long-term goals. Brains reveals the secrets behind compound interest, the dangers and management of debt, and the significance of financial education.Brian also delves into the highest returns on investment, with a specific focus on health, relationships, and self-education over traditional financial assets. We also tackle the eternal investing battle: emotional vs. logical decision-making. Make sure you watch till the end as Brian reveals his strategies for achieving financial freedom without sacrificing health or happiness.Smash that like button and share your thoughts in the comments below!Brian's Socials:YouTube - https://www.youtube.com/@BrianFeroldiYTMy Socials: Instagram - Darrenlee.ksLinkedIn - Darren LeeTwitter - Darren_ks(00:00) Preview and Introduction to Brian Feroldi(00:49) Investor vs. Entrepreneur: Brian's Journey(02:34) The Laws of Consistency (05:00) Social Media and Instant Gratification(07:05) Power of Compound Interest(09:50) Brain Feroldi's Views on Debt (13:04) Credit Card and Student Debt Issues(16:02) Brian's Financial Philosophy: Earn, Invest, Spend(18:41) Highest Return on Investment: Health, Relationships, Self-Education(23:49) Building Good Habits and Removing Bad Ones(25:34) Finding Your 'Enough'(29:06) Achieving Financial Goals Through Investing(30:09) Importance of Long-Term Investing(33:13) Brian Feroldi's Thoughts on Cryptocurrency(36:05) Value of Recurring Revenue in Businesses(41:03) Entrepreneurial Influence and Authority(43:00) Investing and Learning from Failure(45:44) Timing the Market vs. Time in the Market(51:45) Using Investing for Life Freedom(54:34) Optimising for the Best Life Possible(56:13) The Cost of High Financial Success(59:45) Emotional vs. Logical Investing(01:02:59) Lessons from Market HistorySupport the Show.

In this episode of the Personal Finance Podcast, we are going to Brian Feraldi about how you have an advantage as an individual investor.  How Andrew Can Help You:  Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel!  Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Monarch Money: Get an extended 30 day free trial at monarchmoney/pfp Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Delete Me: Use Promo Code PFP20 for 20% off! Go to UPLIFTDesk.com/PFP for 5% off your order.  Links Mentioned in This Episode:  Investing Checklist by Brian Feroldi Stock Investing School  Connect with Brian Feroldi Website Linkedin Youtube Twitter Instagram Tiktok Facebook Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

I'm joined by Brian Feroldi, a world-class creator and author in the financial space. We discuss the success stories of Jimmy Buffett and The Motley Fool, how to build a profitable business in the creator economy, the untapped potential of platforms like LinkedIn, and so much more. 

For years Apple has claimed its app store and ecosystem is meant to protect its users. The FTC isn't so sure.  (00:19) Emily Flippen and Jason Moser discuss: - The FTC's suit against Apple, and why it probably means years of lawyer fees and distraction for Apple. - Chipotle's 50-for-1 stock split and the market reaction to Reddit's debut.  - Earnings from Chewy, Nike, Lululemon, and Accenture.  (18:51) Motley Fool contributor Brian Feroldi breaks down Reddit's S-1 and the major risks facing the the self-proclaimed “Front page of the internet” (33:47) Emily and Jason break down two stocks on their radar: Pinduoduo and TopGolf Callaway. Stocks discussed: AAPL, CMG, RDDT, CHWY, NKE, LULU, ACN, PDD, MODG Host: Dylan Lewis Guests: Jason Moser, Emily Flippen, Brian Feroldi Engineers: Rick Engdahl, Austin Morgan Learn more about your ad choices. Visit megaphone.fm/adchoices

Admittedly, we finance nerds tend to obsess a lot over topics that may or may not be super relevant to the general public. But what are some things that are overrated in personal finance? That's what our panel dives into in this special roundtable discussion. Joining us we welcome back financial educator and author, Brian Feroldi. He joins Paula Pant, creator of Afford Anything, and our resident CFP®, OG. On the second half of our discussion, sponsored by DepositAccounts.com, we debate more of what the most overrated concepts in personal finance are. And finally, our year-long trivia contest continues as Neighbor Doug whips out some charity-related trivia.  FULL SHOW NOTES: https://www.stackingbenjamins.com/the-most-overrated-ideas-concepts-and-beliefs-about-money Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

#74: Brian Feroldi, financial educator, YouTuber and author of the bestselling book “Why Does The Stock Market Go Up?”, guides us through the essential parts of investing in the US stock market and the psychology behind investing. You'll also learn:  The definition of a stock Why stocks go up and down  How to start investing  Three reasons why the stock market will always recover through bad times Get Brian's book ‘Why Does The Stock Market Go Up?' here: ​​https://erika.com/who-does-the-stock-market-go-up  Special thanks to our partners & sponsors: Hostinger: Use ERIKA10 to get 10% off a website and a free domain name at https://hostinger.com/erika10 Download NetSuite's popular KPI Checklist, designed to give you consistently excellent performance - absolutely free, here - https://NetSuite.com/ERIKA Webull (free stocks) - https://erikataughtme.com/invest I'm running a 5 Day Investing Challenge, where you will learn how you can make your first $10,000 with investing! This is totally FREE to join. Go to https://erika.com/invest and you can secure your spot! Brian Feroldi has created a 5-day email-based course where you will receive one investing lesson per day. Find the course at https://stockinvesting.school  If you want to learn more investing tips, Jeremy Schneider's "How To Invest for Beginners (Step by Step)" episode would be perfect for you! https://erika.com/jeremy-schneider Connect with Brian here: Newsletter - https://longtermmindset.co/newsletter/ Website - https://longtermmindset.co/newsletter/ Twitter - https://twitter.com/BrianFeroldi Instagram - https://www.instagram.com/brianferoldi/ LinkedIn - https://www.linkedin.com/in/brianferoldi/ Threads - https://www.threads.net/@brianferoldi Youtube - https://www.youtube.com/brianferoldiyt Thanks for tuning in and come back every Tuesday for a brand-new episode! Make sure you hit the follow button to get notified.  Prefer video or want closed captions? Watch the episode on YouTube here:  https://youtu.be/gA-XywdLasE  After knowing how to budget, it's perfect to know how to invest your money with Jeremy Schneider. We recommend to watch this episode for better understanding. Listen or watch here: https://erika.com/jeremy-schneider  Did you enjoy the episode?⁠⁠ Please leave us a review here⁠⁠ https://erika.com/review : (just scroll to the bottom and tap on “leave a review”) It really helps the podcast especially since we're just getting started. Even just a sentence is perfect! Follow the podcast @erikataughtme across platforms.  ⁠Connect with me on Instagram.⁠ https://www.instagram.com/erikankullberg For more information, go to⁠ https://erikataughtme.com Get on my personal finance & investing course priority waitlist here https://erika.com/3D-money  Get my Mastering YouTube course, to learn how to grow a YouTube following and monetize it https://erika.com/mastering-YT  ⁠Get more of my free resources. https://erika.com/all-links

Sure, historically speaking, the stock market always goes up but will it continue to go up?! None of us are willing to make any predictions, but let's just say that if that's NOT the case, we've got much bigger problems at hand. But the fundamental question remains: why does the stock market grow? This question is answered today by Brian Feroldi, whose journey into the financial realm has led to writing over 3,000 articles on stocks and investing for the Motley Fool. He's a YouTube star with millions of views where he explains the ins and outs of individual companies and broadly speaking the market as a whole. And Brian's recent book: “Why Does the Stock Market Go Up?” is what we're getting into today. This episode is an investing deep dive as we demystify some investing concepts like why stocks are the top performing asset class, what it means to ‘own stock', why introverts are better investors than extroverts, investing in psychopaths, how to know if single stock investing is for you, and much more!   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed a Space Dream Other Half Brewing. Please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out!See omnystudio.com/listener for privacy information.

In this episode: buy and hold, macroeconomics, interest rates, bond investing, when to sell, mindset, and thinking differently. This week we are joined once again by friend of the show Brian Feroldi to discuss the stock market and investing as we head into 2024. As most of you know by now, keeping your head down and staying the course is a pretty typical investing strategy in the FI community, but it is important to remember personal finance is personal. Depending on your situation, life may require you to mold that strategy into something else as your mindset and seasons of life change! Make sure your are not only optimizing your financial situation, but also your life in the process! Brian Feroldi: Website: stockinvesting.school Website: longtermmindset.co Twitter: @BrianFeroldi LinkedIn: Brian Feroldi Timestamps: 0:33 - Introduction 3:42 - Buy and Hold 8:36 - "Macroeconomics" 15:17 - The Impact of Interest Rates/ Bond Investing 20:36 - High Yield Savings Accounts 27:18 - 2024 Investing 33:19 - When to Sell 38:05 - The Evolution of Your Mindset 43:40 - Thinking Differently 47:52 - VTSAX 51:21 - Conclusion Resources Mentioned In Today's Episode: The Motley Fool "Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!" by Robert Kiyosaki The Role Of Bonds In A Portfolio with Frank Vasquez | ChooseFI Ep 194 Risk Parity Radio "Die With Zero: Getting All You Can from Your Money and Your Life" by Bill Perkins Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family's Essential Info (code ‘CHOOSEFI' for 20% off) Student Loan Planner: Custom Consult (with $100 Discount)

Brian Feroldi is a prolific creator in the financial education space, having written over 3000 articles for the Motley Fool, published a book, “Why Does The Stock Market Go Up?”, and actively posting to his YouTube Channel. In this episode, Brian breaks down his checklist for what makes a company worth investing in and provides some insight into what we should do before we jump into investing. If you're interested in personal investing and some great guidelines to go along with it, this is the episode to listen to.   Key Takeaways: What is the index fund bubble? And what are some prominent thoughts on it? Should you be worried about an index fund bubble? How to get a sense of a company worth investing in. What criteria Brian uses when deciding what to invest in? Why you should “never interrupt your compounding unnecessarily.” Why you should take care of the boring before the exciting. Why you should keep your personal life and your investing life separate.   Mentions:

Is your money making you more money? If it's not, you are harnessing the power of our next financial term, "compound interest." In this episode, we brought in book author and financial expert Brian Feroldi to explain to us how compound interest works. Not understanding this term could cost us all big bucks down the road. Don't miss out and listen in to find out how money, makes money, makes money in this episode of the Cash Kid Podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

Is your money making you more money? If it's not, you are harnessing the power of our next financial term, "compound interest." In this episode, we brought in book author and financial expert Brian Feroldi to explain to us how compound interest works. Not understanding this term could cost us all big bucks down the road. Don't miss out and listen in to find out how money, makes money, makes money in this episode of the Cash Kid Podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices Transcript Welcome back Cash Kids! Alright, I’m going to get serious… listen up. We’ve hit on many financial terms this season already. But today. Today’s term is one that many, many, lose lots of money without even realizing it because they don’t understand how it works. If we Cash Kids can understand the power of “compound interest” early in life… guess what, we’ll have more later in life. And I’ve got a great financial expert and book author here to break it all down for us. Brian Feroldi is the author of the book, “Why Does the Stock Market Go Up?” We loved this book in our house and Brian agreed to come on the show to talk about it. Stay tuned, please… it’s a matter of big bucks down the road. The Cash Kid Podcast is underway! Intro tease: So you’ve got some cash. Maybe from an allowance, or that money your grandma gave you for your 7th birthday. Here you go, sweetie. Thanks, Grandma. Whatever it is, what are you going to do with it? Spend it, hide it away… or maybe invest it? Let’s start learning how to make that money grow. Time to learn how to be a cash kid. So joining us today is Mr. Brian Feroldi. Brian is a financial educator, podcaster, YouTuber, speaker, writer and author. Mr. Brian’s vision is to spread financial wellness, which is exactly what us Cash Kids need. Welcome to the show Brian. And first off, tell us a little bit about yourself. Brian Feroldi: Well, thank you for having me. It is a true honor to be here. I myself graduated from college in 2004 and I really put that down as the mark of the start of my money journey. Prior to that, I was taught absolutely nothing about about money growing up, despite graduating with a degree in business. I was taught next to nothing about personal finances. I was taught next to nothing about the stock market, about compound interest, about the basic principles of spend less than you earn, invest the difference, and grow your wealth. Now, after college, my dad handed me a copy of a very popular book back in 2004 called The Rich Dad Poor Dad, by Robert Kiyosaki. And that book was the first book I ever read that opened my eyes up to the idea that anybody can build wealth. Anybody can become wealthy in one generation. And importantly, rich people think differently about money than middle class people, and poor people do. And that book opened my eyes to the power of compound interest, introduced me to people like Warren Buffett and Peter Lynch. And that really kickstarted a love affair with everything related to money, personal finance and investing that continues to this day. So for the last 20 years since I launched that book, I have been doing everything in my power to educate myself and take that information, to educate other people about how to do better with their money. Cash Kid: All right. That's amazing. So first off, tell us about your book, “Why does the stock market go up?” Brian Feroldi: So I have been voraciously reading books about money and investing for, again, the last 20 years. One question that I always had about investing in the stock market is that lots of books I read essentially said the same thing. The stock market is the greatest wealth creation machine ever. The stock market grows at a compound annual growth rate of about 10% per year. And every time the stock market crashes, don't worry, that's the time to buy. The stock market will always come back. I bought that hook line and sinker. However, I didn't understand a fundamental question despite reading those great books. And that was I could see the long term chart that showed the U.S. stock market going up and to the right continually for decade after decade. But it was never explained to me why that happens. And I was always taught as a kid, what goes up must come down. So every time the stock market crashed, as it did in the year 2000, as it did in the year 2008, as it did in the year 2020, I always thought, Well, that's it. It's crashing. Why on earth would this stock market come back and continue on to a new high? So I wanted to answer that question fundamentally for myself and really get into the crux of why. Why does the stock market go up? So that was the that was the reason that I wrote the book, is that no such book like that existed. Cash Kid: Yeah. You cover a lot of topics in your book, but today we want to refocus on the financial term, compound interest. What would be the basic definition for compound interest? Brian Feroldi: Well, I think Benjamin Franklin has the best definition of compound interest ever. And he said money makes money, and that money makes money. And that money makes money. That's the simplest way to describe compound interest. It's the idea that if you can invest your money and grow it on a percentage basis over time, the interest that you earn on your money earns interest itself, which earns interest itself. And the net effect of that is that the total amount of wealth that you have grows at a faster and faster rate over time. To take a really simple example, let's pretend we invested $1,000 in the stock market and we earned 10% per year. Well, after one year we'd have $1,000 of our initial principal, plus $100 in gains. Then if we did that one more year, we would have $1,210 in gains. That extra $10 is interest on our interest from year one. And if you play that forward year after year, the interest that you earn on your interest actually becomes a bigger figure than the initial amount that you invested. Cash Kid: Yeah. So what do you think people most likely misunderstand about this topic? Brian Feroldi: Yeah, it's one of the hardest things for our brains to wrap their head around is the long term effects of compound interest. One of the most famous investors of all time is a guy named Warren Buffett. If anybody has ever heard of him, Warren Buffett is one of the ten richest people on Earth. He's worth over $100 billion. And what makes Warren Buffett so unique? He's the only one of the only people on the rich list of the richest 100 American people in the world that got there primarily through investing. Warren Buffett is 93 years old. And again, he's worth over $100 billion. And what's so fascinating about that is that 99%, 99% of his net worth came after he turned 55. 99%. So when he was 30 years old, he was probably only worth a couple of million dollars. A lot of money in absolute terms, but that's not a hundred plus billion dollars. So humans have a hard, hard time conceptualizing how big numbers can get after you multiply them out over a period of time. I have a really quick riddle to showcase this in principle. Centuries ago in China, somebody asked the King for a very simple, very simple favor. He said, Take out a chess board. Okay. And on the first and the first checker, I want one grain of rice. And all I want you to do is double the grains of rice for each piece on the chess board. And the king thought about it for a second, and he didn't agree to it because while it started out one grain of rice that doubled the two, that doubled to four, that doubled to eight. By the time you got to the end, it was more than all of the all of the rice in the entire world could produce combined. So that's really hard for our brains to conceptualize that things get bigger over time when they compound. Cash Kid: Yeah. So how does the stock market compound? Brian Feroldi: Yeah. So if you look back historically at the returns of the United States stock market, as represented by something called the S&P 500, the long term returns of the market are about 10% per year, meaning that your money compounds at about 10% per year. How does how does that happen? There's a couple of factors that cause that 10% compounding to occur. Thing number one is population growth. Each year the population of the United States and the world grows by about 1 to 2% percent. Not an absolute number like a million or 10 million. On a percentage basis, the population gets 1 to 2% bigger. That means that there are 1 to 2% more consumers each year around the globe that are buying goods and services from companies. Second, each year, American companies get 1 to 2% more productive. Product productivity is an interesting word. What that basically means is that we can produce the same or more goods or services with fewer and fewer inputs. So think about 40 years ago. Were there any robots or were there any computers in manufacturing? No. But if you look at factories today, here's lots of robots and there's lots of computers. Which makes productivity go up dramatically. So we can create more and more goods with fewer and fewer inputs in any given year. It's the differences are subtle. 1 to 2%. But when you grow that over a period of years, that leads to huge gains in the profit of profits of companies. The third thing is something called inflation, and that is just when products and services get more expensive on a dollar basis over time, that that's about a1 to 2 percent. And the final one I'll throw out there is global expansion. Each year, hundreds of millions of people go around the world, go from being in the poverty state or being very, very poor to being middle class. As their wealth increases, they can buy more and more goods from companies around around the world. So that increases the total pie that companies can go after. So each of these things are small, very, very small, almost in imperceptible in any given year. But when you add them up together and when you grow them over a long periods of time, that increases company profits at a compounding rate, which in turn increases the stock market at a compounding rate. Cash Kid: Couldn’t have said it better myself. Let's bring in another term and that's a dividend. What is a dividend? Brian Feroldi: Dividends are a wonderful thing to to to learn about. Every year, American businesses or lots of businesses around the world. They make a profit. A profit is simply what revenue you make minus all of your costs of the business. Businesses exist primarily to generate profits. What those companies do with those profits is entirely up to the companies. There's lots of things that they can do with the profits that they make. They can reinvest in themselves and hire more engineers, build more factories, open up new new geographies. They can pay off debt if they've borrowed money. They can reduce the amount of debt that they have. They can buy other businesses. That's called an acquisition. They can repurchase their own stock from the investors. The final thing they can do is if they have no better use of that money, they can just give it directly, give that cash that profits back to their shareholders. And when they do that, that is that is called a dividend. And you can think of a dividend. Kind of like the way you think of the interest rate on a bank account. You put your money into a bank and the bank pays you 5% interest. Well, if you have $100 in there, you're going to make $5 per year in an interest income with a stock instead of calling it the interest rate. We call it the dividend yield, and that is the cash payments that you get for every every hundred dollars that you have invested in a stock. So a dividend is very similar to interest from a bank. Cash Kid: Yeah. Now, how do dividends play a role in compound interest? Brian Feroldi: If you look back historically, dividends have played a huge role in how the stock market returns that 10% per year. Those other factors that I listed before, such as inflation, productivity, population growth and premiumization around the world, those account for about 6 to 8% of the 10% that investors earn on their money over time. Dividends have historically accounted for about 2 to 4% of that total return. So dividends are actually a really critical component of a way that investors can get that 10% compounded return as the cash comes in through owning dividend paying stocks. Those dividends are reinvested back into the company to buy more shares. So dividends are a really, really important way to generate compounding wealth in the stock market. Cash Kid: In your book you said like I forgot the guy's name, but it's like he invested 400. Was it per month? Brian Feroldi: Absolutely. I have a really simple example of a guy named Aaron. It's a fictional character in my book who invests $100 per week into the stock market. And you're right. The difference between if Aaron took the money out, if he spent the dividends that he had versus reinvested the dividends. It doesn't seem like that much in any given year, just like 2 to 3% spending versus reinvesting. But over a long period of time, it actually leads to millions, millions of extra dollars in your bank account. Cash Kid: Yeah. What should kids my age understand about the impact of compound interest in early investing? Brian Feroldi: Yeah. I am a huge fan of teaching. Teaching these kind of concepts in school. I would highly suggest that every kid out there go to the internet and type in compound interest calculator and do a simple calculation of what $100 invested in the stock market $100 a month could become if you invested it for ten years, for 20 years. For 30 years, for 40 years and more. A lot of people's eyes really open up when you showcase that a small amount of money invested consistently into an asset that compounds can literally become millions of dollars in their lifetime. And the best way to take advantage of that is to start shen you are young. T he younger you can start the, the more time you have on your side and the bigger your wealth can grow. So I wish that I could teach every kid in America or every kid in the world the power of compound interest. Cash Kid: Yeah, you say on the front cover of your book that this book has everything you should have been taught about investing in school, but weren’t. So what's your thought on the access of the amount of financial education or information provided right now? Brian Feroldi: When I was a kid. I was in school primarily in the eighties and nineties. Financial literacy or teaching these basic concepts was essentially nonexistent. And to be fair, it was never part of the school's criteria. So a lot of the teachers out there themselves weren't taught these basics financial concepts. I think it should absolutely be mandatory. Mandatory that you should learn about basics of personal finance, basics of investing before you graduate from high school. And I think you should be taught these basic principles starting in elementary school. They should be reinforced in middle school, and they should be really reinforced in high school and throughout college. Now, the good news there is that there is progress on this front. Many U.S. states now require that people take personal finance lessons before they graduate from college in my home state of Rhode Island. This bill, this was actually introduced just a few years ago that high school students must take a personal finance class before they can graduate. Dozens of other states have also followed suit. I would love it if it was instituted at the federal level, but until that happens, it's every parent's responsibility to make sure their kids are taught sound investing and money principles before they head off on their own. Cash Kid: Yeah, I mean, like, that's why we're here right now doing this interview, just to be able to reach more kids and teach them about compound interest. Is there anything we haven't asked you that you want to share with our audience? Brian Feroldi: Well, I think that you've done a fabulous job reading the book, researching and answering questions. And I think that what you are doing with the Cash Kids podcast is really, really fantastic. So I would say you did an excellent job covering the covering the basics, and I would really encourage people to go back and listen to your other podcasts too, so they can educate themselves. Cash Kid: And maybe last and a quick answer. What's at stake by not understanding compound interest? Brian Feroldi: The answer there is unfortunately, your financial future. If you can understand the power of compound compound interest, you can in one generation go from being born poor or middle class to ending as ending as a rich a rich person. And like it or not, money affects every aspect of our lives. It affects where you live. It affects the education you can get. It affects whether you can go on vacation. What kind of life experiences you have, what kind of automobile you can have if you can have health insurance or not. So money is the fuel that enables you to have a great life. So money impacts your life whether you want it to or not. And if you can learn about compound interest in harness is power. You can make money. You can have all the money you will ever need in your life. Cash Kid: Yeah. Mr. Brian Feroldi we appreciate your time and expertise. Please check out his book called “Why Does the Stock Market Go Up?” on Amazon. And Brian has created a website called https://stockinvesting.school/. And if you go there, he has a free five-day email-based course that you can enroll in. And over the course of five days he’ll teach you a lot of the basics that are covered in his book for free. Cash Kids, we have more terms, discussions, and skills to learn. Thank you for tuning in to this episode. If you have a question, please, reach out to me at cashkidspodcast@gmail.com and I’ll answer it in a future episode. You can also reach out via our website at cashkidpodcast.com. Follow us on Instagram and wherever you are listening, leave a review! We need your help reaching a larger audience and building the financial skills of the next generation. Cash Kid, out!

Kyle Grieve chats with Brian Feroldi about why he decided to write his book “Why Does The Stock Market Go Up?”, his favorite lessons from the late and great Charlie Munger, and a whole lot more! IN THIS EPISODE, YOU'LL LEARN 00:00 - Intro 05:13 - The importance of simplifying investing concepts. 13:15 - Industry-specific metrics to track. 13:15 - How to identify key performance indicators. 19:29 - Why gross margins are so important for identifying moats. 23:03 - What to avoid on the financial statements to reduce mistakes. 45:57 - What you should focus on when looking at the income statement, cash flow statement, and balance sheet to improve your investing. 47:40 - Why market timing is much less important than people give it credit for. 50:44 - The mistakes businesses make doing incorrect buybacks. And much, much more! *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences. BOOKS AND RESOURCES Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Kyle and the other community members. Read "Why Does The Stock Market Go Up?" here. Subscribe to Brian's Newsletter here. Take Brian's course “Financial Statements Explained Simply” here. Watch Charlie Munger's Psychology Of Human Misjudgement here. Check out the books mentioned in the podcast here. NEW TO THE SHOW? Follow our official social media accounts: X (Twitter) | LinkedIn | Instagram | Facebook | TikTok. Check out our Millennial Investing Starter Packs. Browse through all our episodes (complete with transcripts) here. Try Kyle's favorite tool for picking stock winners and managing our portfolios: TIP Finance. Enjoy exclusive perks from our favorite Apps and Services. Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets. Learn how to better start, manage, and grow your business with the best business podcasts. SPONSORS Support our free podcast by supporting our sponsors: NetSuite Fundrise TurboTax HelloFresh Connect with Kyle: Twitter | LinkedIn | Website Connect with Brian: Twitter | YouTube | LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode is sponsored by Vodafone Business. V-Hub advisers are here to help you achieve your business goals. With specialisms across a range of digital skills, our advisers are ready to assist you with free support and guidance, so your business can thrive in the digital world.Check it out: https://r.vodafone.ie/v-hub-AdvisoryDive into 2023's most insightful conversations on investing and personal finance with the "Stock Club" podcast's special year-end episode. Relive the top highlights featuring industry experts like Michael Lucas, James Early, Derek Riley, and acclaimed author Brian Ferroldi as they do a deep dive into what stocks carried 2023 and the stocks that took the biggest hits. We also revisit exclusive insights from Grant Sabatier, Chris Mayer, and Bill Mann, uncovering their investment strategies and tips for market success. This compilation is a must-listen for every investor, offering a comprehensive look at the year's most impactful discussions. Don't miss the lessons and strategies that shaped 2023!Introducing Nexus, the upcoming addition to the MyWallSt Product Suite. Sign up now to be the first to learn about our groundbreaking AI-powered stock picking service. We've harnessed state-of-the-art AI, advanced segmentation, and the expertise of seasoned investors to identify game-changing investment opportunities worldwide.Sign Up Now

Brad Freeman aptly named his company Stock Market Nerd because that's certainly what he is – in a good way! Brad is fascinated with stocks because you can be wrong a lot and still be very successful. He believes in leaving no stone unturned when it comes to researching stocks. It's a little obsessive actually. For him, knowledge is both power and comfort. Researching stocks to try to outperform the market, to Brad, is a full-time job. He shares what he's learning in his newsletter. Brad also points out that at 26-years-old, he can take on more risk than most people. He'll decrease his exposure to single stocks over time (he owns 18 stocks right now). Brad shares his own holdings and others in his newsletter. Everyone should have their own approach, according to Brad. Lauren poked at an old wound asking about a time when he was wrong – it was Teladoc (and therefore transformative M&A). Finally, Lauren just had to ask about Airbnb. The two discuss their thoughts on the short-term rental market and how that affects Airbnb. Lauren, of course, has some thoughts to share on this topic! If you liked this episode, you'll also like episode 90 Stock Market History with Brian Feroldi. About Brad: Brad Freeman is an independent equity analyst who runs Stock Market Nerd. Brad started out working at an RIA & wrote for the Motley Fool before going out on his own. He covers a wide range of stocks within traditional "growth" & "value" buckets as well as macroeconomics. Equity research is a passion of Brad's and leaving no stone unturned is a prerequisite for his stock picking. Connect with Brad: https://twitter.com/StockMarketNerd https://www.stockmarketnerd.com/ Connect with Lauren: ⁠https://twitter.com/AdultingIsEasy⁠⁠ ⁠⁠https://www.instagram.com/adultingiseasyreal/⁠⁠⁠⁠⁠ ⁠https://www.housemoneymedia.com/

Brian Feroldi is a financial educator, YouTuber, and author. He has been intensely interested in money, personal finance, and investing ever since he graduated from college. If you walk away with one big idea from this conversation, let it be this quote from Brian's book: “The stock market is the greatest wealth creation machine of all time.” Brian started investing in 2004. In the beginning, he had no idea what he was doing and got his teeth kicked in. His returns improved dramatically as his experience and knowledge about the stock market grew. Brian's career mission statement is “to demystify the stock market.” He loves to help other people do better with their investments. He has written over 3,000 articles on stocks, investing, and personal finance for the Motley Fool. In 2022, Brian's best-selling book Why Does The Stock Market Go Up? was published. It was written to explain how the stock market works in plain English. Brian lives in New England with his wife and three kids. We talked about: 1. Childhood and Career Path: 2. Stock Market as a Wealth Creation Machine: 3. Money – A Taboo Topic: 4. Value and Price in the Stock Market: 5. Determining the Right Purchase Price: 6. Pumpkin Spice Latte and Salted Caramel Frappuccino and Daily Price Moves 7. Why the Stock Market Always Recovery 8. Investing During Economic Downturns 9. The Importance of Saving: 10. Investing Isn't Just for the Affluent: 11. Stay tuned until the end when Brian reveals the biggest edge over Wall Street that investors have. https://www.brianferoldi.com/about/ https://www.brianferoldi.com/newsletter/ --- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Crisis Investing: 100 Essays⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - My new book. To get regular updates and bonus content, please sign-up for my substack: ⁠⁠⁠⁠⁠⁠⁠⁠https://bogumilbaranowski.substack.com/⁠⁠⁠⁠⁠⁠⁠⁠ Follow me on Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/bogumil_nyc⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bogumil Baranowski⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sicart Associates, LLC⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. NEVER INVESTMENT ADVICE. IMPORTANT: As a reminder, the remarks in this interview represent the views, opinions, and experiences of the participants and are based upon information they believe to be reliable; however, Sicart Associates nor I have independently verified all such remarks. The content of this podcast is for general, informational purposes, and so are the opinions of members of Sicart Associates, a registered investment adviser, and guests of the show. This podcast does not constitute a recommendation to buy or sell any specific security or financial instruments or provide investment advice or service. Past performance is not indicative of future results. More information on Sicart Associates is available via its Form ADV disclosure documents available ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠adviserinfo.sec.gov⁠⁠⁠ --- Send in a voice message: https://podcasters.spotify.com/pod/show/talking-billions/message

This episode is sponsored by Vodafone Business. V-Hub advisers are here to help you achieve your business goals. With specialisms across a range of digital skills, our advisers are ready to assist you with free support and guidance, so your business can thrive in the digital world.Check it out: https://r.vodafone.ie/v-hub-AdvisoryWelcome to episode #177 of Stock Club by MyWallSt. In this episode, Michael O'Mahoney sat down with Brian Feroldi, a renowned stock picker and the author of "Why Does the Stock Market Go Up?" We begin by unraveling the backstory of Brian's financial journey, influenced by his parents' investment missteps, which ignited his passion for finance. Our conversation also delves into the crucial role of a solid financial foundation, inspired by the teachings of "Rich Dad, Poor Dad."As we dig deeper, we explore how Brian's healthcare background uniquely shaped his path in the world of investments, shedding light on his transition from healthcare management to a thriving career in the medical device industry. Learn how his healthcare expertise provides a distinct advantage in the world of investing, and how Warren Buffet's concept of circular competence can be applied across various industries.In the latter part of our discussion, Brian shares his invaluable investing checklists and overlooked metrics in making sound investment decisions. We explore investing in technology and healthcare stocks, his preferred financial commentators, the significance of valuations, and emerging megatrends.

In this episode of the Personal Finance Podcast, we're going to be talking to Brian Faraldi all about how to invest in individual stocks. How Andrew Can Help You:  Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel!  Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Factor 75: Head to factormeals.com/pfp50 and use code pfp50 to get 50% off your first box. These are amazingly easy and nutritious meals. Delete Me: Go to joindeleteme.com/PFP and use promo code PFP you'll be able to save 20% off your DeleteMe subscription! Protect yourself online! Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance  Links Mentioned in This Episode:  brianforalde.com backslash newsletter Connect with Brian Feroldi Website Linkedin Youtube Twitter Instagram Tiktok Facebook Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Join us for this episode of Earn & Invest as we sit down with Brian Feroldi, a renowned expert from the Motley Fool, to explore how amateur investors can outshine the pros in the unpredictable world of the stock market. Brian shares his perspective on the uncertain future of equity investing and why it's crucial to understand alternative investment options, even for those who choose to stick with indexes. Tune in to gain invaluable insights into maximizing your financial endeavors. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian is a financial educator, YouTuber, and author who has written over 3,000 articles on stocks, investing, and personal finance for the Motley Fool. Last year, Brian published his best-selling book "Why Does The Stock Market Go Up?" Twitter: @BrianFeroldi Website: BrianFeroldi.com YouTube: BrianFeroldiYT Book: https://amzn.to/3JVr9Q0) ❤️ Thank you to my YouTube Members! Your support means a lot! ❤️ Pls like, subscribe and comment. It's a simple way to support the channel.

Clay Finck chats with Brian Feroldi about the valuation mindset spectrum, and how investors can determine which valuation approach investors should use when analyzing a company.Brian Feroldi is an expert content creator in the investing space and a writer and contributor to the Motley Fool. IN THIS EPISODE, YOU'LL LEARN:00:00 - Intro01:32 - What the valuation mindset spectrum is.04:50 - The long history of value investing.10:00 - How investors should think about the valuation spectrum in regards to their own investment approach.14:47 - Different valuation methods investors can use in their toolkit.32:23 - Brian's view on stock-based compensation.42:45 - His biggest lessons from the investing the past couple of years.46:27 - Where on the valuation mindset spectrum Brian prefers to invest.46:53 - Why venture capital investors largely ignore Buffett's #1 rule of investing.52:43 - Brian's updated reverse DCF analysis on Nvidia.59:21 - His updated assessment of MercadoLibre's progress.Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences.BOOKS AND RESOURCESCheck out our newly released TIP Mastermind Community.Brian's free resource to master valuation.Brian Feroldi's book – Why Does the Stock Market Go Up?Brian Feroldi's Newsletter.Brian Feroldi's Youtube.Check out our recent episode covering The Passionate Pursuit of Lifelong Learning w/ Gautam Baid or watch the video here.Follow Brian Feroldi on Twitter.Follow Clay on Twitter.NEW TO THE SHOW?Check out our We Study Billionaires Starter Packs.Browse through all our episodes (complete with transcripts) here.Try our tool for picking stock winners and managing our portfolios: TIP Finance Tool.Enjoy exclusive perks from our favorite Apps and Services.Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets.Learn how to better start, manage, and grow your business with the best business podcasts. P.S The Investor's Podcast Network is excited to launch a subreddit devoted to our fans in discussing financial markets, stock picks, questions for our hosts, and much more! Join our subreddit r/TheInvestorsPodcast today!SPONSORSInvest in Bitcoin with confidence on River. It's the most secure way to buy Bitcoin with 100% full reserve custody and zero fees on recurring orders.Start, run, and grow your business without the struggle. Be in control of every sales channel with Shopify. Sign up for a $1 per month trial period today.Get your super sorted. Save money by consolidating multiple accounts, check out your investment options to see which is right for you, and see how extra contributions can make a big difference over time.Make investing in Short Term Rentals aka Air-BNBs simple, passive, and profitable with Techvestor. Listeners of We Study Billionaires get better terms by just mentioning “We Study Billionaires!” Sign up and book your call with their Investor Relations Team to get started today.Have the visibility and control you need to make better decisions faster with NetSuite's cloud financial system. Plus, take advantage of their unprecedented financing offer today – defer payments of a full NetSuite implementation. That's no payment and no interest for six months!Send, spend, and receive money around the world easily with Wise.Experience real language learning for real conversations with Babbel. Get 55% off your Babbel subscription today.Reach the world's largest audience with Linkedin, the place to B2B. Plus, enjoy a $100 credit on your next ad campaign!Choose Toyota for your next vehicle – SUVs that are known for their reliability and longevity, making them a great investment. Plus, Toyotas now have more advanced technology than ever before, maximizing that investment with a comfortable and connected drive.Get farm-fresh, pre-portioned ingredients and seasonal recipes delivered right to your doorstep with America's #1 meal kit, HelloFresh! Use code wsb50 for 50% off plus free shipping.Support our free podcast by supporting our sponsors.HELP US OUT!Help us reach new listeners by leaving us a rating and review on Apple Podcasts! It takes less than 30 seconds, and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode: investing, losing money hurts, pessimism, optimism, index funds, psychology, history, and building wealth. Whether you're a confident investor or weary of playing the market, there is still a lot to be learned when it comes to your investments. This week we are re-joined by friend of the podcast Brian Feroldi to discuss important truths and takeaways he's learned as a decades-long investor, from navigating the psychology and history of the market, to focusing on longevity and simplicity rather than getting rich quick. When listening to this episode, remember that playing the market doesn't have to be a complicated game, and no one should feel un-equipped to invest! Just be sure to understand that investing will never be a perfect journey, and preparing yourself for low points may help you make better decisions in the long run! Brian Feroldi: Website: brianferoldi.com Twitter: @brianferoldi Book: “Why Does The Stock Market Go Up?: Everything You Should Have Been Taught About Investing In School, But Weren't” By Brian Feroldi Timestamps: 0:41 - Introduction 4:27 - You Will Be Wrong 9:45 - Losing Money HURTS 12:54 - Humans Are Naturally Bad Investors 16:09 - Pessimism And Optimism 20:22 - The Power Of Index Funds 22:31 - The Power Of History And Psychology 24:45 - Avoiding Ruin Is A Skill 28:56 - Keeping It Simple 35:24 - To Build Wealth, You Need To Invest 37:50 - Conclusion Resources Mentioned In Today's Episode: "Poor Charlie's Almanack: The Essential Wit and Wisdom of Charles T. Munger" by Charles T. Munger "The Psychology of Money: Timeless lessons on wealth, greed, and happiness" by Morgan Housel "Expectations Investing: Reading Stock Prices for Better Returns" by Michael J. Mauboussin Subscribe to The FI Weekly! More Helpful Links and Resources: Earn $1,000 in cashback with ChooseFI's 3-card credit card strategy Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence Keep learning or start a new side hustle with one of our educational courses Commission-Free Investing with M1 Finance

Over the holiday weekend, we take a break from the cookouts and fireworks to focus on FI – Financial Independence.   Dylan Lewis and Brian Feroldi discuss: - The core principles of FI and the different styles it can take - Why a down market is a great time to check in on your financial independence and retirement progress - Why it's not too late to get started if you feel behind!   Note, this episode is a re-air of a conversation originally recorded in July, 2022.  Host: Dylan Lewis Guests: Brian Feroldi Producer: Ricky Mulvey Engineers: Dan Boyd, Rick Engdahl

Brian Feroldi: Financial Statements Explained Simply Brian Feroldi is a financial educator, YouTuber, and author. He has been intensely interested in money, personal finance, and investing ever since he graduated from college. His mission statement is to spread financial wellness. He loves to help other people do better with their money, especially their investments. Brian has written more than 3,000 articles on stocks, investing, and personal finance for The Motley Fool. In 2022, Brian's book Why Does The Stock Market Go Up? was published. The mission of the book is to demystify the stock market. It was written to explain how the market works in plain English. He's also the co-creator of the course, Financial Statements Explained Simply. Most of us are not accountants, but whether you work in a small business, a large corporation, a non-profit, or a government agency, the numbers define what resources that we have. Being able to understand and speak the language of financial statements is essential for leaders who want to influence decisions. In this episode, Brian and I review how to understand and read one of the most important reports for any organization: the income statement. Key Points A few hours of focus on the fundamentals of financial statement can provide you understanding and influence throughout your career. An income statement (also called a profit and loss statement or P&L) shows revenue, expenses, and profit over a period of time. It's similar to your personal budget. Revenue minus cost of goods sold is gross profit. Subtracting operation expenses from gross profit give you an organization's operating income or EBIT (earnings before income and taxes). Depreciation spreads out the cost of tangible assets (equipment, vehicles, buildings) their useful lives. Amortization does the same thing for intangible assets (loans, copyrights, patents). The “bottom line” is literally the bottom line at the end, either net income or net loss. Resources Mentioned Brian Feroldi's newsletter Financial Statements Explained Simply (course) Related Episodes Improve Your Financial Intelligence, with Joe Knight (episode 244) How to Approach Corporate Budgeting, with Jody Wodrich (episode 355) Dumb Things Smart People Do With Money, with Jill Schlesinger (episode 396) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic. To accelerate your learning, uncover more inside Coaching for Leaders Plus.

#100: Financial independence (FI) expert Brad Barrett joins Chris to reflect on getting to 100 episodes of All the Hacks. They share some major lessons they've learned recently, discuss how to value their time and share how they plan to apply these lessons in 2023. They also share plenty of recommendations and hacks along the way. Brad Barrett (@bradchoosefi) is the co-host of ChooseFI, the top podcast on financial independence with more than a million monthly listeners. Brad became financially independent and quit his job at 35 years old, without ever earning a six-figure salary. Full show notes available at: https://allthehacks.com/episode-100-brad-barrett/ Partner Deals DeleteMe: 20% off removing your personal info from the web Vuori: 20% off the most comfortable performance apparel I've ever worn MasterClass: Learn from the world's best with 15% off Daffy: Free $25 to give to the charity of your choice Kubera: 14 day trial of the world's most modern wealth tracker for $1 Selected Links From The Episode Brad Barrett: Twitter | ChooseFl Podcast Bucket List Journal Kubera (14 day trial for $1) Rocket Money Trustworthy (20% off) 1Password (Free Trial) ChooseFI Meal Plan ChooseFI #419: Your Bold Move for 2023 | Dominick Quartuccio Sam Parr tweet about earning 8% Playing with Fire Documentary Wealthfront ($5k managed free) Stoke JetKids Suitcase Todoist App Peter Attia MD Rocket Money (easily cancel subscriptions) Dynamic Neuromuscular Stabilization ChooseFI Newsletter Huberman Lab Podcast  Paprika Recipe Management App  All the Hacks Episodes #2: Brad Barrett #36: Ben Nemtin #48: Brian Feroldi #80: Brandon Turner #91: Bill Perkins #97: Jordan Shlain MD #98: Dan Martell #99: Sahil Bloom Full Show Notes Introduction to Brad Barrett (00:00) Going full-time on All the Hacks (01:20) Episodes that have sparked interest (04:12) Personal annual reviews and operating principles for the year (16:59) Managing money on your own (26:46) Paying fees for investment management (28:48) Travel goals and eyeing a trip to Japan (30:06) Learning to value your time (39:52) Meal planning cooking and meals at home (43:57) Is real estate investing worth it (50:33) A few savings tips for insurance (57:40) Canceling subscriptions (59:44) Task manager apps (1:01:15) Having accountability partners (1:04:20) Health hacks (1:06:05) Connect with All the Hacks All the Hacks: Newsletter | Website | Facebook | Email Chris Hutchins: Twitter | Instagram | Website | LinkedIn

In this episode: the federal reserve, interest rates, buying the hype, the problems with effortless earning, and narrative follows price. It's suffice to say this past year has been one of distinct changes from a financial perspective, with investment techniques and former practices no longer working the same as they did two years ago. However, there is much to be learned and a lot to be gained as we move forward into 2023. This week we are re-joined by a friend of the show Brian Feroldi to discuss his observations on the market changes, and lessons he learned over the course of 2022. Settle into the new year and tune in as we share our thoughts on the macro impact of the federal reserve, psychology of investing, inflation and interest as it relates to different kinds of assets, and so much more! Brian Feroldi: Website: brianferoldi.com Twitter: @brianferoldi Course: Financial Statements Explained Simply Book: "Why Does The Stock Market Go Up?: Everything You Should Have Been Taught About Investing In School, But Weren't" By Brian Feroldi Timestamps: 1:46 - Introduction 6:51 - The Federal Reserve/Interest Rates 15:03 - Inflation Is Still Here 17:21 - Beware Of Effortless Money 24:14 - The State Of Crypto/Buying The Hype 33:48 - Is Cash Still Trash? 36:13 - Bonds Are Worth Consideration 39:25 - Growth Stock Troubles 46:31 - Narrative Follows Price 52:56 - Your Risk Level Is Revealed 56:09 - Conclusion Resources Mentioned In Today's Episode: The Motley Fool The Simple Path to Wealth | JL Collins | ChooseFI Ep 411 Early Retirement Now The Role Of Bonds In A Portfolio | ChooseFI Ep 194 Subscribe to The FI Weekly! More Helpful Links And Resources: Earn $1,000 in cashback with ChooseFI's 3-card credit card strategy Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence Keep learning or start a new side hustle with one of our educational courses Commission-Free Investing with M1 Finance

In this episode: income-producing assets, REITs, the 4% rule, optimal spending, saving too much, and why you will never feel rich. It is believed that in order to reach FI, cutting expenses and limited spending seems like the ideal way to your end goal, but are you missing out on ways to spend-to-earn because it feels right? Well, this week we are rejoined by friend of the show and guest host Brian Feroldi to interview Nick Magguilli, author of the excellent book Just Keep Buying: Proven Ways to Save Money And Build Your Wealth. Together we discuss using data to grow your wealth and fighting the stigmatization of spending your money. On the journey to FI it is easy to focus more on saving so much that we're afraid to spend, however, by not spending we could be missing out on assets, both monetary and non-monetary, that could bring us greater fulfillment in the present and future! By rethinking your approach to spending, rather than looking at it as something that is negative, you may find that your money can go farther for you when its spent rather than saved!  Nick Maggiulli Website: ofdollarsanddata.com Book: Just Keep Buying: Proven Ways to Save Money And Build Your Wealth Twitter: @dollarsanddata Instagram: @nickmaggiulli Brian Feroldi Website: The Motley Fool Book: Why Does The Stock Market Go Up? Twitter: @BrianFeroldi Timestamps 1:29 - Introduction 2:31 - Just Keep Buying 9:27 - Income Producing Assets 10:55 - Macro-Level Mind Changers 14:08 - REITs 16:57 - You Can Save Too Much? 21:40 - How Nick Thinks Through The 4% Rule 26:20 - Spending Optimally 30:59 - Catching Up Financially Through Exercise 34:01 - Examining 401k Maxxing 38:47 - Saving Raises 41:50 - Why You Will Never Feel Rich 46:16 - Investment Properties & Nick 47:55 - Conclusion Resources Mentioned In Today's Episode 3 words got me 3 MILLION SUBSCRIBERS "Die With Zero: Getting All You Can from Your Money and Your Life" by Bill Perkins "The Tail End" By Tim Urban Peter Attia Subscribe to The FI Weekly! More Helpful Links and Resources: Earn $1,000 in cashback with ChooseFI's 3-card credit card strategy Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence Keep learning or start a new side hustle with one of our educational courses Commission-Free Investing with M1 Finance

IN THIS EPISODE, YOU'LL LEARN:01:53 - How and when to apply metrics like P/E, P/GM and P/S depending on a company's stage in its lifecycle12:17 - Brian's most important attribute when valuing a company15:22 - The difference between real moats and fake moats27:51 - When to emphasize valuation and when not to37:12 - Brian's assessments of Alphabet, FIGS & AXONAnd a whole lot more!*Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.BOOKS AND RESOURCESWhy Does the Stock Market Go Up? Book.Brian Feroldi Twitter.Brian Feroldi Newsletter.Brian Feroldi Youtube.Trey Lockerbie Twitter. NEW TO THE SHOW?Check out our We Study Billionaires Starter Packs.Browse through all our episodes (complete with transcripts) here.Try our tool for picking stock winners and managing our portfolios: TIP Finance Tool.Enjoy exclusive perks from our favorite Apps and Services.P.S The Investor's Podcast Network is excited to launch a subreddit devoted to our fans in discussing financial markets, stock picks, questions for our hosts, and much more! Join our subreddit r/TheInvestorsPodcast today!SPONSORSGet up to 3% Daily Cashback on everything you buy with Apple Card. Apply now in the Wallet app on iPhone and start using it right away. Subject to credit approval. Daily cash is available via an Apple Cash card or as a statement credit. See Apple Card customer agreement for terms and conditions. Apple Cash card is issued by Green Dot Bank, Member FDIC. Variable APRs range from 13.24% to 24.24% based on creditworthiness. Rates as of August 1, 2022.Find people with the right experience and invite them to apply to your job. Try ZipRecruiter for FREE today.Private assets represent 98% of companies in North America but are absent in most portfolios. Reconstruct your portfolio with private markets with Mackenzie Investments.Build a plan that helps you strengthen your financial security with RBC Wealth Management. RBC capital markets LLC, member NYSE, FINRA, SIPC.Throw out the old traditions and get progressive. Discover the complete package - smart design, lots to love under the hood with Genesis.Explore fractionalized investments in the top of the contemporary art world with Masterworks. See important Regulation A disclosures at masterworks.com/cd.Make backing up and accessing your data astonishingly easy with Backblaze. Sign up for a free trial today.Invest in high-quality, cash-flowing real estate without all of the hassle with Passive Investing.Enjoy 10% off your first booking in Viator's world of over 300,000 experiences you'll remember. Download the Viator app now and use code VIATOR10.Help empower girls to break free through education, healthcare, child protection, and other wonderful benefits by being a World Vision child sponsor today.See the potential of your business. Find solutions that work for you, that tick bigger boxes and help you grow with Square.Confidently take control of your online world without worrying about viruses, phishing attacks, ransomware, hacking attempts, and other cybercrimes with Avast One.Start your free 14-day trial today and leave your limits behind and discover what you can accomplish with Monday.com.Have gold and silver shipped directly to your door for you to hold at your home. Get BullionMax's Gold Investor Kit today - 3 ounces of the world's most desirable gold coins, including the Gold American Eagle and Canadian Maple Leaf.Take the next step in your working life or get ready for a change, by being a Snooze franchise partner.Support our free podcast by supporting our sponsors.HELP US OUT!Help us reach new listeners by leaving us a rating and review on Apple Podcasts! It takes less than 30 seconds, and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode: interpreting financial statements, utilizing financial statements, balance sheet statements, income statements, cash flow statements, and valuing a business for its purpose. Have you even wanted to learn the language of business? Not in a literal sense, by that we mean understanding the ways businesses communicate what their real value is to the general public and potential investors? Well if you have had this incredibly niche thought, you're definitely a member of the FI community, and you're also in luck! Brian Feroldi is back on the show to discuss financial statements and the information certain financial statements indicate, as well as act as your translator for the language of business! Understanding this language can be a massive help in your own decision making going forward! Brian Feroldi Twitter: @BrianFeroldi YouTube: Brian Feroldi Website: brianferoldi.com Timestamps 1:26 - Introduction 2:44 - Financial Statements 5:35- Read and Interpret 8:58 - The Three Main Financial Statements 13:33 - Balance Sheet Statements 22:09 - Utilizing Financial Statements 24:06 - Income Statements 30:04 - Claim on Earnings 33:58 - Cash Flow Statements 44:13 - Valuing a Business for it's Purposes 47:22 - Not All Businesses are Equal 50:16 - Conclusion Resources Mentioned In Today's Episode Warren Buffett and the Interpretation of Financial Statements: The Search for the Company with a Durable Competitive Advantage by Mary Buffett and David Clark https://www.fool.com/author/14471/ Stock Fundamentals With Brian Feroldi | ChooseFI Ep 200 Subscribe to The FI Weekly! If You Want To Support ChooseFI: Earn $1,000 in cashback with ChooseFI's 3-card credit card strategy Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence Track your personal finances with Personal Capital Compare, buy, and save big on insurance with Policygenius Keep learning or start a new side hustle with one of our educational courses Slash your cell phone bill without sacrificing service with Mint Mobile