About this podcast
Tune in every Saturday Morning, for Andrew Temte’s insights into personal and professional continuous improvement with a focus on improving financial literacy and financial decision-making.
Episodes
The newest 20 of 160 episodes
- How Your Pay Grows: Raises, Promotions, and Changing Jobs · 13 min · Episode 161In this episode of Money Lessons, Andy takes up the three ways your pay grows — a raise, a promotion, and a new job — and the one lesson that runs through all three: starting pay…
- Staying Relevant: Treating a New Skill as an Investment · 16 min · Episode 160In this episode of Money Lessons, Andy treats a new skill the way he'd treat any other investment: what it costs, what it returns, and when to make it. He defines skill gap…
- Purpose at Work: What a Job That Doesn't Fit Costs You · 12 min · Episode 159In this episode of Money Lessons, Andy asks whether the work you're paid for fits the purpose you have — and what it costs you when it doesn't. He defines purpose, alignment…
- Human Capital: Your Earning Power Is Your Biggest Asset · 15 min · Episode 158In this episode of Money Lessons, Andy turns from what you earn this year to what you can earn over a working life. He defines human capital — the competence, experience, and…
- Self-Employment Tax, Estimated Payments, and the Side Gig · 15 min · Episode 157In this episode of Money Lessons, Andy turns to the earners the pay stub episodes left out: the self-employed, the independent contractor, and the side gig. He defines the five…
- Benefits Are Pay: Total Compensation and the Employer Match · 14 min · Episode 156In this episode of Money Lessons, Andy adds up what a job is worth beyond the salary: the employer's share of the health premium, the employer's half of Social Security and…
- Your Income Tax: Brackets, Withholding, and Your Refund · 15 min · Episode 155In this episode of Money Lessons, Andy explains how the federal income tax is calculated, starting with four definitions every taxpayer needs: taxable income, the tax bracket…
- Forty Trillion Dollars — What the National Debt Means for Your Household · 37 min · Episode 154In this special edition of Money Lessons, Andy takes the national debt's crossing of forty trillion dollars on August 18 and explains what the number is made of — the debt held…
- Anatomy of a Pay Stub: The Deductions You Chose, the Ones You Didn't, and the Pay You Never See · 14 min · Episode 153In this episode of Money Lessons, Andy reads a pay stub for the lines most people skip past. He sorts every deduction into two types — the ones the law requires and the ones you…
- Nudge and Sludge: The Vocabulary of Everyday Money Decisions · 12 min · Episode 152In this episode of Money Lessons, Andy supplies the vocabulary behind three weeks of teaching on habits, defaults, and friction. Herbert Simon — who was never an economist —…
- The Money Machinery Someone Else Built for You · 11 min · Episode 151In this episode of Money Lessons, Andy turns from the money machinery listeners build themselves to the machinery that gets installed before they arrive. He starts with the…
- The Same Old Songs: What Musical Taste Reveals About Financial Change · 21 min · Episode 150In this special edition of Money Lessons, Andy takes on a question that sits underneath most of personal finance: why change is so hard. A complaint about his band's setlist…
- Habits and Money: Why You Can't Remember What You Spend · 11 min · Episode 149In this episode of Money Lessons, Andy opens up the machinery that moves money out of a household without ever passing through a decision. He starts with the narrow definition…
- Present Bias: Why Your Future Self Keeps Losing the Argument · 13 min · Episode 148In this episode of Money Lessons, Andy turns from the map of your personal economy to the thing that moves money across it — decisions. He explains why good and bad decisions…
- Your Personal Economy: The Six Jobs Your Money Has · 11 min · Episode 147In this episode of Money Lessons, Andy launches a brand-new series on personal financial management by drawing the map: the six jobs your money has — earn, spend, borrow…
- Why Timing the Market Fails: The Discipline of Owning Stocks · 11 min · Episode 146In this episode of Money Lessons, Andy closes the series on equity by turning to the hardest part of owning stocks: holding on. He explains why volatility is the price investors…
- Why Own Stocks? The Long-Run Case for Building Wealth · 14 min · Episode 145In this episode of Money Lessons, Andy makes the long-run case for owning stocks — why, over a lifetime, equities have rewarded the patient owner. He unpacks the equity risk…
- Why International Stocks Belong in Your Portfolio · 12 min · Episode 144In this episode of Money Lessons, Andy widens the map beyond American markets to make the case for owning international stocks. He explains home-country bias — the natural pull…
- Payment for Order Flow: Who Pays for Your Free Stock Trade? · 11 min · Episode 143In this episode of Money Lessons, Andy answers a question he has been holding since last year: if your stock trades are free, how does a broker make its money? He explains…
- The ETF: Trade It Like a Stock, Hold It Like an Index Fund · 12 min · Episode 142In this episode of Money Lessons, Andy explains the exchange-traded fund — the ETF — the vehicle most people now use to own a whole index in a single trade. He traces it back to…
