Money Lessons with Andrew Temte, PhD, CFA

143 episodes

Why International Stocks Belong in Your Portfolio
07/18/2026 | 12 mins.
In 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 to invest only in the companies of your own country — and points out that more than a third of the world's stock market value sits outside the United States.

Andy walks through the two practical ways an ordinary investor can own foreign companies: broad international index funds and ETFs, and American Depositary Receipts, or ADRs, for a single overseas company.

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Payment for Order Flow: Who Pays for Your Free Stock Trade?
07/11/2026 | 10 mins.
In 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 payment for order flow — the arrangement where your broker sells your order to a wholesale market maker that fills it and pays for the privilege. Andy walks through why your everyday orders are so valuable, where the real conflict of interest hides, and what the 2020 Robinhood settlement revealed about the true cost of "free."

The takeaway: free isn't free — and the cost that matters most is the one that tempts you to trade too often.

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The ETF: Trade It Like a Stock, Hold It Like an Index Fund
07/03/2026 | 12 mins.
In 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 the first one, State Street's SPDR, launched in 1993 to track the S&P 500, and shows how an ETF differs from the index mutual fund Jack Bogle created in 1976: one trades all day on an exchange like a stock, the other prices just once, after the close.

Andy pulls back the curtain on the creation-and-redemption process — the quiet arrangement with large firms that does the real index buying and keeps an ETF's price tied to the value of the stocks it holds. The takeaway: an ETF lets you trade like a stock, but the soundest way to own one is to hold it like a long-term investor.

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What Is "The Market"? The Dow, the S&P 500, and the Index Bet You Didn't Choose
06/27/2026 | 12 mins.
In this episode of Money Lessons, Andy tackles a phrase we lean on without ever defining it: "the market."

He explains what a stock market index is, where the Dow, the S&P 500, and the Nasdaq-100 come from, and how each one measures the market differently — the Dow by share price, the others by company size.

He unpacks the Dow's hidden divisor and the outsized power of a denominator, shows how a handful of giant companies can carry an entire index, and explains why SpaceX's arrival on the Nasdaq means millions of index-fund holders are about to own a stock they never picked. The lesson: an index is a set of choices, and a fund that tracks one hands you all of them.

#financialliteracy #moneylessons #personalfinance #investing #stockmarket #SP500 #DowJones #Nasdaq #indexfunds #SpaceX

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GameStop and the Stock Market
06/20/2026 | 11 mins.
In this episode of Money Lessons, Andy uses the 2021 GameStop saga to reveal the hidden machinery that runs underneath every stock trade.

He explains how a struggling video-game retailer became the most heavily bet-against stock on Wall Street, why ordinary investors banded together to buy it, and how its price rocketed from about $17 to around $483 in a matter of weeks.

Then he answers the question that left millions of people furious: why did Robinhood suddenly stop letting them buy? The culprit turns out to be the market's plumbing — the two-day settlement delay, the clearinghouse that guarantees every trade, and the collateral deposit that exploded into the billions when prices swung wildly.

AndrewTemte.com

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About Money Lessons with Andrew Temte, PhD, CFA

Make Financial Literacy Accessible Through Compelling Storytelling Join Dr. Andrew Temte every Saturday for Money Lessons—a weekly financial education podcast that transforms complex economic concepts into accessible, engaging stories. Each bite-sized 10-minute episode builds your financial knowledge through historical narratives and practical applications, making this the perfect podcast for anyone seeking to improve their money management skills and investment understanding. What You'll Learn: From the ancient origins of money and banking to modern stock markets and retirement planning, Money Lessons covers essential financial literacy topics including: How insurance and risk management work Stock market fundamentals and investment principles Banking systems and monetary policy Interest rates, inflation, and economic cycles Credit, debt, and smart borrowing decisions Foundational macro and microeconomic principles that directly apply to personal financial decision-making Building wealth through informed financial decisions Your Host: Dr. Andrew Temte brings unparalleled expertise as a PhD in finance, CFA Charterholder, and former CEO of Kaplan Professional. With over 15 years of university teaching experience, Andy makes finance education approachable for everyone—from high school graduates to seasoned professionals seeking to sharpen their financial acumen. Why Money Lessons: Unlike traditional personal finance podcasts, Money Lessons uses historical storytelling to reveal how financial systems evolved and why they matter today. Whether you're learning about the Knights Templar inventing banking, the Dutch East India Company creating stock markets, or Benjamin Franklin's compound interest experiments, each episode connects past innovations to your present financial decisions. Perfect for young professionals starting their investment journey, parents teaching financial responsibility, or anyone building a foundation for long-term wealth creation. New episodes every Saturday. Subscribe today and start your journey of financial literacy.

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