최고 Financial Literacy 팟캐스트 (2025)

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135. The S&P 500 Trap: Why 500 Companies ≠ Diversification — Don’t Take American Investment Advice (Part 3): Passive income, Financial freedom, Investing 8:37

1d ago8:37

8:37

“Just buy the S&P 500, that’s all you need.” Sounds safe, right? 500 companies, instant diversification… what could go wrong? This is Part 3 of our series Don’t Take American Investment Advice If You Live in Europe. And today we’re pulling back the curtain on one of the biggest myths in investing. You’ll discover: • If buying the S&P 500 is real di…

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Pickleball, Fiduciary Duty, & Why Trust Matters in Finance 19:48

5d ago19:48

19:48

Welcome back to The Financial Huddle! In this episode, Ryan, Ed, and Brian kick things off with the rise of pickleball, from neighborhood courts to Bainbridge Island’s Hall of Fame. But beyond the sport, pickleball serves as the perfect analogy for today’s topic: fiduciary duty. We break down: What it really means to be a fiduciary and why it matte…

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AOA 081: Building Money-Smart Families and Communities - With Steve Bugg 55:35

22d ago55:35

55:35

In this Art of Allowance Podcast episode, host John Lanza speaks with guest Steve Bugg about what it takes to build money-smart families and communities. Steve is the CEO of Great Lakes Credit Union, one of our partners engaging kids and empowering parents through The Money Mammals powered by The Art of Allowance. He and John discuss the role of te…

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134. Should You Invest in a Birkin Bag? The Truth About Luxury as an “Asset”: Passive income, Financial freedom, Investing 8:33

5d ago8:33

8:33

Is a Birkin really an investment…? What’s the truth behind the hype? And where do bags, watches, art, or wine actually fit into a real wealth-building plan? In this episode, you’ll hear: • What the Birkin phenomenon reveals about “alternative assets” • The hidden risks of turning handbags into retirement plans • The crucial difference between colle…

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133. The hidden risks of US brokerages for European investors - Don't Take American Investment Advice (part 2): Passive income, Financial freedom, Investing 9:57

8d ago9:57

9:57

Ever followed an American YouTuber, opened a broker account, and thought: “This looks global enough”? If you live in Europe, that choice could be quietly draining your money every single month. This is Part 2 of our series Don’t Take American Investment Advice if You Live in Europe. You’ll hear: • Why most U.S. brokers don’t actually work for Europ…

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132. Still waiting for “enough money” before you take your finances seriously?: Passive income, Financial freedom, Investing 6:16

12d ago6:16

6:16

Ever told yourself you’ll start learning about money once you have more of it? If you've been waiting for the “right moment” to start investing or learning about money, this episode will shift everything. Spoiler: the delay is costing you more than you think. In this episode, you’ll learn: Why waiting until you “have enough” to learn about investin…

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131. Why You Can’t Buy VOO or SPY in Europe - Don’t Take American Investment Advice (Part 1): Passive income, Financial freedom, Investing 6:16

15d ago6:16

6:16

Ever tried to buy VOO or SPY from Europe and got blocked? It’s not your broker. It’s not your tech. And it’s definitely not you. This is Part 1 of our brand-new series: Don’t Take American Investment Advice if You Live in Europe. In this first part, you’ll discover: • Why most U.S. ETFs are off-limits to Europeans • The hidden U.S. tax trap almost …

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130. Better Sex? More Orgasms? The Answer Might Surprise You: Passive income, Financial freedom, Investing 7:19

19d ago7:19

7:19

What does opening an investment account have to do with better sex? One of my students shared something so unexpected during her graduation call that the whole group went silent — then burst out laughing, blushing, and nodding. You’ll hear: • A story that proves financial power doesn’t just stay in your bank account • The surprising ripple effect o…

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Can I Retire? Breaking Down the #1 Financial Question 24:19

19d ago24:19

24:19

When clients sit down with us, one question comes up more than any other: “When can I retire?” In this episode of The Financial Huddle, we dive deep into the realities behind that question—why so many Americans don’t know their retirement number, why living longer makes planning more complex, and why early retirement often isn’t a choice. Ryan also…

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129. Could Your Manicure Pay for Retirement? The Simple Start to a Millionaire Mindset: Passive income, Financial freedom, Investing 6:12

22d ago6:12

6:12

What if what you spend on a manicure could grow into your future freedom? I’m not saying you have to give up self-care forever — but that same amount could be your first step to a portfolio that compounds for decades. In this episode, you’ll discover: • How €50 can kickstart your investing habit (and your confidence) • Why small beginnings protect …

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128. Can’t Afford Financial Education? Here’s the Price You’re Already Paying: Passive income, Financial freedom, Investing 6:40

26d ago6:40

6:40

It’s a bit like unclenching your shoulders after realizing you’ve been hunched over all day — your body goes, “Ohhh… this feels better.” When you finally understand your money, your nervous system does the same thing. In this episode, you’ll hear: • The hidden cost of waiting until you “have more” before investing in your financial education • How …

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127. How I Lost Thousands as a Beginner Investor — And The 5 Mistakes You Must Avoid: Passive income, Financial freedom, Investing 8:17

29d ago8:17

8:17

Ever wondered what the real price of beginner investing mistakes is? I’m not talking about small slip-ups — I’m talking about the kind of errors that quietly drained my returns and delayed my financial goals by years. In this episode, you’ll hear: • The five costly mistakes I made early on — and how they still affect me today • The hidden danger ev…

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126. When “Being Nice” Costs You: 4 Boundaries Every Woman Needs With Her Money: Passive income, Financial freedom, Investing 7:24

1M ago7:24

7:24

What if your money problems aren’t just about spending — saying yes when you mean no could be the REAL reason you're struggling financially. You keep picking up the check. You keep saying yes to the dinner, the gift, the thing you “should” do. All while your budget — and your peace — quietly suffer. This episode goes deep into a money habit no one …

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Episode 3: Planning Through Every Phase of Life 39:03

1M ago39:03

39:03

In this episode of The Financial Huddle, Brian, Ed, and Ryan dive into the power of focus - in family, finances, and your future. From navigating wedding season and NFL internships to strategic college funding and business-owner tax planning, the team highlights how intentional financial strategies can create confidence and certainty at every life …

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125. Scared Of Your Finances? Why These 3 Numbers Are What You Need To Stop Avoiding Your Money & Start Feeling In Control: Passive income, Financial freedom, Investing 7:54

1M ago7:54

7:54

Most of us were never taught what “financial health” actually means — let alone how to check it without panic or perfection. In this episode, you’ll learn: The 3 core numbers that reveal the full picture of your finances (no math panic required) Why your net worth isn’t scary — even if it’s negative A simple mindset shift to stop avoiding your mone…

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124. 3 Hard Money Truths Every Woman Faces After Divorce or a Relationship Break — And How To Start Over: Passive income, Financial freedom, Investing 8:13

1M ago8:13

8:13

Did you hand over the money decisions to your partner… and now find yourself starting from scratch? Maybe you thought you were just “letting him handle it.” But now the relationship is over — and you’re left without a plan, a password, or a clue where to start. You are not broken. You are not stupid. In this powerful episode, you’ll learn: Why sayi…

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Ep. 07: What Is ROI? And Why It’s Harder to Measure Than You Think 8:21

1M ago8:21

8:21

Summary “Return on Investment” — it’s one of the most common metrics in business, but also one of the most misunderstood. In this quick but insightful episode, we unpack the real meaning of ROI, walk through relatable examples, and explore why measuring value isn’t always as simple as it looks on paper. From direct financial gains to hidden efficie…

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Ep. 06 Working Capital Cash Hiding in Plain Sight 5:44

1M ago5:44

5:44

Summary Working capital isn’t just accounting jargon — it’s cash flow hiding in plain sight. In this episode, we explore how decisions around receivables, inventory, and payables affect how much working capital your business ties up every day — and how to get some of that cash back. If you’ve listened to our episode on the Cash Conversion Cycle, yo…

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123. 3 Clear Signs You're Ready To Start Investing (Even If You Think You're Not): Passive income, Financial freedom, Investing 4:23

1M ago4:23

4:23

Still waiting to feel ready before you start investing? Spoiler: You might already be ready — and this episode will prove it. Whether you’re still Googling “how investing works” or second-guessing your €50 impulse buys, the truth is: if you’re thinking long-term, you’re way closer than you think. In this episode, you’ll learn: Why your €50 “treat y…

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122. Why You Still Feel Broke — Even With a Full Bank Account: Passive income, Financial freedom, Investing 6:44

2M ago6:44

6:44

Why do you still feel broke... even with money in your account? If you’ve ever hesitated to open your banking app like it’s a haunted house or claimed you're “broke” while sipping a €6 iced latte you’re not alone — and you're definitely not crazy. Let’s talk about the real reason you’re stuck in scarcity mode. In this episode, you’ll learn: The psy…

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Episode 2: Trust the Process 24:24

2M ago24:24

24:24

In Episode 2 of The Financial Huddle, the team dives deep into the importance of process—on the field, in college athletics, and in financial planning. The conversation kicks off with a personal story about how new NCAA rules allowing direct pay to athletes are reshaping college sports, sparking thoughtful dialogue about the ripple effects on non-r…

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Ep. 05: EBIT vs. EBITDA – What’s the Difference and Why It Matters 8:21

2M ago8:21

8:21

Summary EBIT and EBITDA — two acronyms that get thrown around in boardrooms, investor calls, and business conversations. But what do they really mean? And when should you use one over the other? In this episode of Continue the Learning, we break down: ✅ What EBIT and EBITDA actually measure ✅ When each one is useful (and when to be cautious) ✅ How …

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121. Confused by ETFs? Here’s What They ACTUALLY Are & Why it’s one of the most beginner-friendly tools in investing: Passive income, Financial freedom, Investing 6:31

2M ago6:31

6:31

ETF. Three letters. One big mental block. If you’ve ever read an article that said “just buy an ETF” and thought, “Cool. What the hell is that?” — this episode is for you. We’re breaking down: What an ETF actually is (salad bar analogy included 🥗) Why it’s one of the most beginner-friendly tools in investing Whether you can lose all your money when…

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120. The REAL Reason You're Avoiding Looking At Your Bank Balance & How To Finally Regain Calm & ENJOY Spending Again: Passive income, Financial freedom, Investing 8:37

2M ago8:37

8:37

What if opening your bank app didn’t trigger anxiety? If the thought of checking your balance makes your chest tighten or you’ve ever avoided your finances out of fear — you’re not alone. But this isn’t about laziness or irresponsibility. It’s about how your nervous system was wired — and how to start healing. In this episode, you’ll learn: Why you…

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119. What Bonds ACTUALLY Are — And How They Help You Make Money (Without the Drama): Passive income, Financial freedom, Investing 7:44

2M ago7:44

7:44

If the word “bond” makes your brain fog up instantly, you’re not alone. But here’s the truth: if you’re investing (or planning to), you need to understand how bonds work—because they’re one of the core building blocks of a well-balanced portfolio. And no—this isn’t a dry finance lecture. This is the bond episode that finally makes sense. You’ll lea…

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118. Terrified to Invest? Same. Here’s the Real Reason You’re More Prepared Than You Realize: Passive income, Financial freedom, Investing 7:22

2M ago7:22

7:22

Do you keep saying: 👉 “I’ll start when I understand more.” 👉 “It’s probably too late for me.” 👉 “I’m just not a finance person.” Let’s stop right there. Because what if the fear you feel isn’t a weakness… but a sign of how seriously you’re taking your future? In this quick, no-shame episode, you’ll learn: 💛 Why feeling scared to invest is normal — …

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Episode 1: Welcome to The Financial Huddle – What is our Why? 15:22

2M ago15:22

15:22

Episode 1: Welcome to The Financial Huddle – What is our Why? In our very first episode, meet your hosts Ryan Fleming, Ed Beemiller, and Brian Minier as we launch The Financial Huddle! We’re diving into why we started this podcast, how we each found our way into financial planning, and why financial literacy matters now more than ever. From sports …

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AOA 080: “The Simple Path to Wealth”—With JL and Jess Collins 1:29:12

2M ago1:29:12

1:29:12

In this Art of Allowance Podcast episode, host John Lanza welcomes JL Collins and his daughter, Jess, for a conversation about financial independence and family money lessons. They discuss the principles of JL's bestseller, The Simple Path to Wealth, the process of writing and updating the book and the importance of teaching kids about money from a…

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117. Thinking of Buying a Stock? STOP — Do This First to Avoid Beginner Mistakes Passive Income, Financial Freedom, Investing 8:54

2M ago8:54

8:54

Ever thought, “Maybe I should invest…” — and then immediately panicked, Googled random stocks, or copied your friend’s portfolio? Pause right there. Before you buy anything, this episode is your step-by-step foundation. You’ll learn: How to understand your risk tolerance in under 30 seconds — no quizzes, no math Why copying someone else’s portfolio…

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116. Wait… What Is Investing? The Beginner’s Guide You Wish School Had Taught You: Passive Income, Financial Freedom, Investing 9:20

2M ago9:20

9:20

Feel like you “should” be investing but secretly have no idea what that means? You are so not alone—and this episode is your judgment-free, finance-bro-free zone to finally get clear on the basics. We’ll unpack: What investing actually means (in plain, human words) The different types of investing and how to choose the right one And how to start—ev…

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115. How to understand what the hell private equity is, and why it's SO IMPORTANT for beginners: Passive Income, Financial Freedom, Investing 8:05

2M ago8:05

8:05

Think private equity is only for billionaires in grey suits? Think again. In today’s Finance Monday episode, we’re tackling a question that way too many beginner investors never ask—because no one told them they could: Can you, a regular person, invest in private equity? Here’s what you’ll learn: - what private equity is - why you need to use it in…

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114. How To Ask For More & Get The Raise You Deserve WITHOUT Feeling Guilty: Passive Income, Financial Freedom, Investing 10:56

3M ago10:56

10:56

What if saying just one sentence could be worth €10,000 more this year? In today’s mindset episode, we’re diving into one of the most overlooked wealth-building tools—salary negotiation—and how to use it without guilt, overthinking, or needing to act like someone you’re not. You’ll learn: How to stop undercharging or staying silent—and ask for more…

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113. The Billion-Dollar Investing Lesson You Could've Learned from Pretty Woman...(But Didn't): Passive Income, Financial Freedom, Investing 10:19

3M ago10:19

10:19

What does Julia Roberts' boyfriend in Pretty Woman have to do with your investing journey? A lot more than you’d think. In this week’s Finance Monday episode, we unpack the world of private equity—one of the most powerful (and misunderstood) investing forces on the planet. You’ll learn: What private equity actually is—and how understanding it helps…

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112. The Hidden Money Beliefs Keeping Women From Wealth - And How Barbie Made Them Visible: Passive Income, Financial Freedom, Investing 10:10

3M ago10:10

10:10

Is your money story really yours—or just Barbie’s old script in disguise? Mattel just launched a new AI-powered Barbie. But the real conversation? It’s not about technology—it’s about the invisible messages women receive about money, power, and possibility. In this episode, we connect Barbie’s glow-up to your financial mindset and ask: What stories…

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Trailer - Upping Your Business game: Financial Literacy with Income|Outcome 0:54

3M ago0:54

0:54

저자 Income|Outcome

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111. 4 Red Flags Of Bad Investing Advice Every Beginner Investor Should Avoid & How To Protect Your Money From Fake "Guru's" - PART 2: Passive Income, Financial Freedom, Investing 10:17

3M ago10:17

10:17

“You’re not rich because you’re not manifesting hard enough.” If anyone says that to you? Run. Again. In this Part 2 of our Red Flag Series, we’re finishing the list with the final 4 signs that scream: “This investing advice is not for your benefit.” Inside this episode, you’ll learn: How fake urgency is used to manipulate your fear of missing out …

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110. Scared To Start Investing? How To Take The First Step & Go From Overwhelmed To Confident, With Lepa Jovic: Passive Income, Financial Freedom, Investing 22:06

3M ago22:06

22:06

Ever feel like investing is something you should know… but deep down, you’re terrified of doing it wrong? You’re not alone—and Lepa’s story proves it. In today’s episode, I’m talking to Lepa—one of my brilliant students and an Executive Director of Business Operations from Serbia, now living in Vienna—about how she went from feeling completely over…

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109. 3 Red Flags Of Bad Investing Advice Every Beginner Investor Should Avoid & How To Protect Your Money From Fake "Guru's" - PART 1: Passive Income, Financial Freedom, Investing 10:59

3M ago10:59

10:59

Ever heard someone say, “I turned €1,000 into €100,000 in 3 months”? This episode is your reminder: confidence ≠ credibility. In today’s Finance Monday, we’re unpacking the first 3 red flags that every beginner needs to recognize — especially if you're tired of being talked down to, confused, or overwhelmed by flashy financial promises. In Part 1 o…

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108. How To Recognise Financial Abuse & Finally Reclaim Your Financial Power (Even If You Feel Overwhelmed): Passive Income, Financial Freedom, Investing 7:15

3M ago7:15

7:15

Has anyone ever made you feel like money just “isn’t your department”? In this powerful episode, we’re talking about a form of control that doesn’t always leave bruises — but leaves women feeling small, stuck, and financially invisible: financial abuse. You’ll hear the true story of one of my students, and how she went from having zero access to he…

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Ep. 01: Understanding Return on Sales (ROS) & The Triangle of Ratios 5:44

3M ago5:44

5:44

In this episode, we explore Return on Sales (ROS), a vital financial metric that measures a company's efficiency in converting sales into profits. We'll discuss how to calculate ROS, what constitutes a good or bad ROS, and how it fits into the broader context of financial health. 🔍 What You'll Learn: The definition and importance of Return on Sales…

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Ep. 02: The Statement of Cash Flows — Profit Isn’t Cash 3:48

3M ago3:48

3:48

In this episode, we delve into the Statement of Cash Flows (SCF), a crucial financial document that provides insight into a company's cash movements. While the Income Statement and Balance Sheet offer valuable information, the SCF reveals how cash actually flows through a business, highlighting operational efficiency and financial health. 🔍 What Yo…

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107. How To Finally Understand What Stocks ACTUALLY Are, & How To Use Them To Start Investing (Even As A Total Beginner): Passive Income, Financial Freedom, Investing 10:30

3M ago10:30

10:30

Ever wanted to invest but stopped yourself with: “Wait… what even is a stock?” You’re not alone — and you’re not behind. In this episode, we go back to basics (in a way that’s simple, clear, and honestly… kind of fun). You’ll learn: What a stock really is — and how it turns you into a part-owner of your favorite brands The difference between “stock…

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Ep. 04: Cost Structure — Direct, Indirect, and the Space Between 5:44

3M ago5:44

5:44

In this episode, we dive into the intricacies of cost structures, exploring the distinctions between direct and indirect costs, and examining the nuanced "space between" where semi-variable costs reside. Understanding these categories is crucial for accurate budgeting, pricing strategies, and overall financial health. 🔍 What You'll Learn: Definitio…

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Ep. 03: Understanding the Cash Conversion Cycle (CCC) 5:03

3M ago5:03

5:03

In this episode, we delve into the Cash Conversion Cycle (CCC), a pivotal financial metric that gauges how efficiently a company manages its working capital. By understanding the CCC, businesses can optimize cash flow, reduce operational bottlenecks, and enhance overall financial health. Investopedia 🔍 What You'll Learn: The definition and signific…

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106. The REAL Reason You Feel You Don't Have to Invest: Passive Income, Financial Freedom, Investing 9:25

3M ago9:25

9:25

Have you ever been the only woman at the table who didn’t speak up about money — even though you handle it every day? In this deeply personal episode, Francesca shares the exact moment she realized just how far women are still excluded from the financial conversation — and why it led her to launch Centsational Women and this podcast. You’ll learn: …

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105. You Don’t Need to Be Brave — You Just Need a Plan (And Some Education) to Avoid DIY Investing Pitfalls: Passive Income, Financial Freedom, Investing 8:26

4M ago8:26

8:26

Feel like you're supposed to “just start” investing — even if you have no idea what you’re doing? Spoiler: trying to DIY your portfolio without a plan and proper education is not bold. It’s risky. Here’s what you’ll learn: Why DIY investing without strategy often leads to costly mistakes (especially in Europe) What diversification really is — and w…

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104. How to Talk to Your Kids About Money Stress (Without Passing on Anxiety): Passive Income, Financial Freedom, Investing 12:10

4M ago12:10

12:10

Should you tell your kids when money is tight — or protect them from the stress? In this Mindset Thursday episode, we explore how to talk to your kids about money struggles in a way that builds resilience — not fear. You’ll learn how to model calm, regulated money habits and create honest conversations that feel safe, empowering, and age-appropriat…

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103. How To Teach Your Kids About Money — Without Knowing All the Answers Yourself: Passive Income, Financial Freedom, Investing 12:32

4M ago12:32

12:32

Ever wish your kids could learn about money — without eye rolls, bribery, or guilt trips? If you’ve ever felt unsure how to teach your children about saving, spending, or even investing (especially if you are still figuring it out), this episode will guide you with tools that are simple, playful, and rooted in real-life parenting. We’re not talking…

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102. 5 Signs Your Nervous System Is Blocking Your Wealth — And What How to Rewire it for Wealth and Abundance: Passive Income, Financial Freedom, Investing 25:02

4M ago25:02

25:02

Ever feel like you know what to do with money — but still feel stuck, anxious, or frozen? You’re not lazy or broken — your nervous system might be in survival mode. In this eye-opening conversation, we explore why financial freedom isn’t just about spreadsheets and strategy… it’s also about safety. If traditional mindset tips have fallen short for …

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101. How To Build Lasting Wealth As A Beginner Investor Using The Simple Techniques Of The Worlds Most Successful Investor & Economies: Passive Income, Financial Freedom, Investing 7:13

4M ago7:13

7:13

What do Warren Buffett stepping down and China’s economic stimulus have to do with your investing journey? Whether you’re just opening your first brokerage account or already investing in ETFs, this episode breaks down how global headlines actually do impact your financial freedom goals — and what to do about it. This isn’t about hype. It’s about c…

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