Money Lessons with Andrew Temte, PhD, CFA

145 episodes

Why Timing the Market Fails: The Discipline of Owning Stocks
08/01/2026 | 11 mins.
In 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 pay for the equity risk premium, and why the market's steepest falls and sharpest recoveries tend to arrive back to back — which is what makes market timing a losing game.

He looks at the evidence that the more investors trade, the less they tend to keep, and at how modern trading apps are built to encourage the very activity that erodes long-run returns.

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Why Own Stocks? The Long-Run Case for Building Wealth
07/25/2026 | 13 mins.
In 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 premium, the extra return stocks have paid over bonds and cash since 1928, and shows how compounding turns that yearly edge into life-changing wealth.

Andy closes with direct advice for young investors — start early, invest steadily, and give compounding the decades it needs to build the wealth a last-minute scramble never can. It's a lesson about patience, access, and the quiet power of starting now.

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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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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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