The Investing for Beginners Podcast - Your Path to Financial Freedom

You can download Evan’s free budgeting framework here https://einvestingforbeginners.com/budget/

Income changes are coming—positive or negative. In this episode of At Any Rate, Evan Raidt and Andrew Sather break down how to handle income fluctuations (raises, bonuses, commission swings, job changes, and pay cuts) without blowing up your plan.

They cover what to do when income goes up, what to do when income goes down, and how to plan ahead if your income is unpredictable. They also talk through how to handle income changes as a couple, including proportional contributions and communicating real numbers fast.

Topics Covered:


How to handle raises without lifestyle creep


How to handle income drops with a “minimum viable budget”


Why writing down your budget is the highest ROI 30–45 minutes you can spend


How to handle income changes in a relationship (proportional contributions)


How to budget for fluctuating income with a buffer + predetermined buckets

Timestamps:

00:35 What counts as income fluctuations (raise, bonus, commission, layoffs)

01:43 The goal: flexibility instead of prediction

03:05 Andrew’s “double raise” story + lifestyle creep (truck)

07:33 Delay spending changes after a raise (2–3 months)

08:58 Spend only a set portion of the raise (ex: $30–$40 of $100)

10:52 Handling decreases as a cash flow problem (not personal failure)

14:57 Minimum viable budget: strip down to needs

17:23 First budget setup time estimate (30–45 minutes)

21:56 Don’t “cut cold turkey” without a plan

26:20 Budgeting as a couple + budgeting framework link

38:36 Budgeting for fluctuating income: lowest reliable income + buffer + buckets

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: [email protected]

Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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In this solo episode, Andrew shares the story behind a major shift: stepping down from actively running the investing newsletter and handing stock picking off to someone he trusts. He explains why he made the change, what he learned from years of stock picking, and what he wishes he understood earlier in the journey.

Andrew frames the episode as “The Life of a Stock Picker,” laying out 10 principles meant to help listeners think clearer, stay persistent through tough markets, and avoid common mental traps. He talks about approaching investing with a clean slate, learning from different strategies without getting dogmatic, and sticking with it when bear markets make you question everything.

Key Topics Covered:


Why Andrew stepped down from active stock picking and newsletter management


Principle 1: Approach investing with a clean slate


Principle 2: Find the good in every strategy (don’t get dogmatic)


Principle 3: Keep going through bear markets and drawdowns


Mastering emotions, avoiding bias, and staying humble enough to ask for help

Timestamps:

01:10 – Why he stepped down and what led to the decision

03:58 – Principle 1: Approach with a clean slate

07:47 – Books as a “life hack”

10:19 – Principle 2: Find the good in every strategy

14:51 – Principle 3: Keep going (bear market lessons)

17:29 – “So much red” and how demoralizing drawdowns feel

20:19 – Don’t sell at the bottom and miss the recovery

24:00 – Principle 5: Seize the day (don’t worship the number)

27:54 – Master your emotions 

32:05 – Quit taking this so seriously

35:19 – Swing for the fences

41:02 – Don’t overthink it (analysis paralysis)

44:25 – Be humble and ask for help

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Andrew and Dave break down three Peter Lynch principles from Beating the Street and how they apply them in real investing decisions. The focus is on avoiding “rearview mirror” thinking, building conviction in great businesses, and finding opportunity where nobody’s paying attention.

They cover examples like Nike and HP (past success doesn’t guarantee future results), Microsoft’s turnaround under Satya Nadella, and the psychology of “averaging up” into winners like Google.

Key Topics Covered


“You can’t see the future through a rearview mirror”


Nike and HP as cautionary examples


Microsoft’s turnaround under Satya Nadella


“The best stock to buy may be the one you already own” (averaging up)


“When even the analysts are bored, it’s time to start buying”

Timestamps

01:29 – Principle 1: rearview mirror thinking

02:13 – Nike (going direct, slowing growth)

06:18 – HP & innovation pressure

11:23 – Microsoft turnaround (Ballmer → Nadella)

15:52 – Principle 2: best stock may be one you own

16:13 – Averaging up & anchoring bias

19:40 – Google (buying again at higher prices)

21:46 – Social media narratives and contrarian thinking

23:57 – Principle 3: buy when analysts are bored

24:21 – Danaher & spinoff return distortion

28:16 – McKesson & boring businesses vs hype

30:33 – More boring winners

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

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Download the⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Plynk app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to start building your investing confidence: ⁠⁠⁠⁠https://plynkinvest.app.link/IFB⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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This episode is for educational purposes only and is not legal advice—please consult an attorney for guidance on your specific situation.

In this episode of At Any Rate, Evan Raidt is joined by fan-favorite guest Dave Ahern for a follow-up to AAR31—because trusts are often the bigger, more protective “umbrella” when it comes to estate planning.

They break down what a trust is, how it differs from a will, what probate can look like if you pass away (or become incapacitated) without anything in place, and why this isn’t just about you—it’s about protecting the people who depend on you.

Topics Covered:


Trust vs will: what each one does


What probate is and why it can be a financial disaster for families


Pros/cons of wills and trusts


Revocable vs irrevocable trusts


What can go wrong

Timestamps:

01:55 What is a trust vs a will?

03:58 What happens if you die or become incapacitated without either?

06:28 Probate timelines (and why it can wreck a family financially)

08:46 Pros and cons of a will

10:20 Pros and cons of a trust (and why it can be expensive/complex)

12:23 How trusts control who can access assets (and when)

16:39 Why trusts can include restrictions (age, graduation, etc.)

18:46 Revocable vs irrevocable trusts (core differences)

22:09 Banks can’t give legal advice—start with an attorney

27:50 What can go wrong with a trust (be specific + choose trustees carefully)

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: [email protected]

Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

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This episode is a Bird’s Eye View breakdown of GE Vernova (ticker: GEV), a newer standalone company spun out of General Electric. Andrew and Dave walk through what the business is, how it makes money, and why it’s showing up in investor conversations—especially around electrification and power demand.

They cover GE Vernova’s three operating segments and explain why electrification is the most exciting long-run opportunity. The conversation then shifts to the power segment and the AI/data center demand story, including how gas turbines are being positioned as a practical solution for stable, sustained power.

Key Topics Covered:


What GE Vernova is and why it was spun out of GE


The 3 segments


Backlog as a runway indicator


AI/data centers and the demand for sustained electricity


Valuation & execution risk

Timestamps:

00:15 – Bird’s Eye View on GE Vernova (GEV)

01:38 – What is GE Vernova and how does it make money?

02:46 – “Energy to change the world” 

07:07 – $26B and what backlog means

08:12 – Book-to-bill style thinking

09:43 – AI/data centers driving demand for stable power

13:37 – Capacity booked out to 2028 & building more capacity

16:21 – Small modular reactors (SMRs) and why they matter

18:51 – Revenue growth context & profitability trend

24:05 – Balance sheet strength

34:32 – Oracle comparison

35:19 – Other electrification demand drivers

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter

Bird’s Eye View of Brookfield Asset Management (BAM) with Adrian of Stratosphere: https://einvestingforbeginners.com/birds-eye-view-of-brookfield-asset-management-bam-with-adrian-of-stratosphere-podc/

Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

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