Market MakeHer Podcast

We're getting back to basics with some Investing 101 and money psychology. We'll discuss what first-time self-directed investors need to know to get started on your investing journey and good concepts for all investors to think about in their investing strategy...and we'll go over some important jargony terms to easily understand, so that you don't get overwhelmed. Investing involves risk, but that doesn't mean you should be afraid to learn how to make your money make money! We can all do it. Your knowledge compounds just like your money can and so many barriers to entry have already been broken! Things to remember: *Time in the market is better than timing the market. *The stock market hates uncertainty (creates volatility). *Compound interest and dollar cost averaging are great terms to understand that help you invest wisely, well, and often. Reference Episodes: 12. How to Invest in the Stock Market (Step-by-Step) 2. Understanding the Stock Market 9. How to Choose a Brokerage Firm 34. Investing Jargon, Demystified10. How to Read a Stock Quote14. How to Analyze a Stock 24. Pay Yourself First 29. Investment Risk Tolerance 56. How to Construct a Portfolio (Asset Allocation) Learn the Stock Market Spotify Playlist: https://open.spotify.com/playlist/24h9lLqD2bQtDWI9blIHt2?si=dQulbTVzRjKTYU8dCXdKvA YouTube Playlist: https://www.youtube.com/watch?v=VlOcmj29eH4&list=PL1cksAY5UwYk71iaOlbXMc7L06JrUAJl8 Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ Funny Finance Shirts and Merch About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a l...

We are diving into Warren Buffett’s latest shareholder letter for 2024—so you don’t have to! We’ll break down his biggest takeaways in plain English for you: why Berkshire Hathaway is sitting on a mountain of cash, what Buffett’s recent stock moves say about the market, and how his long-term investing mindset has helped him beat Wall Street for decades. Plus, we’ll talk about his bets on Japan, why he openly admits to making mistakes (unlike most CEOs), and what Berkshire’s future looks like as Greg Abel gets ready to take the reins. If you’ve ever wanted to invest like the Oracle of Omaha, this episode is packed with insights you can actually use. All Berkshire Hathaway Letters to Shareholders: https://www.berkshirehathaway.com/letters/letters.html Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ Funny Finance Shirts and Merch About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a l...

This is an advanced episode, but also a very important episode to help you understand market mechanics and put another piece together in the stock market puzzle we are conquering - with education! We gave you a few replay episodes before this one to help you prepare for a heavy dose of knowledge, so buckle up, because we’re about to math real hard. What is Margin Trading or Investing? When you buy a stock on margin, you create the ability to borrow against those stocks. You are required to own a certain percentage of those stocks. Any equity or surplus owned in excess of those percentage requirements, you can create a loan and buy more stocks. A great analogy is a home equity line of credit, or HELOC. But a bit more complicated, because stocks are priced every milisecond, which means requirements change every day, and there are requirements on what you buy with that loan. Risk Tolerance: High Margin is extremely risky, it provides leverage which means you can make more than you deposit, but you can also lose more. It magnifies gains and losses. You can easily lose a lot of money with this type of investing, so you really gotta know what you’re getting yourself into with this type of account! Shorting Stocks Is Extremely Risky We’ll also discuss the trends on social media around shorting Meta stocks and others and how easily you can lose money quickly when attempting those kinds of trades. Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

We are revisiting Episode 42, originally aired July 26, 2024, where we look at how AI Power Grid Pressure can also be a headwind to consider in your long-term AI investing strategy. Start with our AI Portfolio and Investment Thesis discussed in ⁠Episode 21⁠ to understand the full AI investing picture. According to our very own Jess Inskip, "The real ‘P/E Risk’ isn't overhyped price to earnings. The risk is price to energy." (Get it? That's a P/E Ratio joke 👻) Most of us are invested in AI, whether we know it or not because the S&P 500 is mainly technology. How Much Electricity Does Generative AI Use? Nvidia (NVDA) valuations are justified as the hyperscalers are top customers and we are seeing real earnings at incredible profit margins. The earnings potential makes sense. However, the energy consumption and subsequent pressure represent the real risk. Each Blackwell AI GPU sold by Nvidia consumes up to 1200 watts of power, so 3.5mn of them would consume 1.8GW of power in the US alone. (Consensus estimates 3.5b in GPU sales by 2027). Validate Your Investment Thesis (What you eat, eats.) Look at the root of the problem with all of this AI grid pressure and see where the solutions might be (as in which companies are coming up with solutions for this bigger issue). "Sustainable AI" is still in it's infancy, but maybe there are some companies out there that are using AI for good and to help come up with solutions to some of these issues? Do your homework. 😉 AI Opportunities (but do your homework) The grid pressure is a longer-term risk, it does not mean the AI story has peaked yet: Opportunities still exist benefiting NVDA, AVGO, MRVL, AMD, and MU. **Remember personal finance is personal, this is not advice. We educate you on how to do your own research to make the right wise investing decisions for yourself.** Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

Y’all asked us for it, here’s your AI update! Yes, we’re talking current landscape of AI investments, AI agents and AGI, of course Nvidia (beyond chips), CapEx Surges, the critical game race, disruption (yes deepseek), earnings, headwinds and more! We always want you to stay informed and help make sure you’re doing your “homework” as we say. Remember, diversification mitigates risk. ;) ✨ AI Question to Ponder: The big players in the Artificial Intelligence game are spending money to buy shovels to dig gold…who is selling the shovels? 🔮 As always, we’ll define the jargon and demystify it all for you. But if you are still left with questions, please feel free to submit them and we’ll get back to you as soon as we can! 🌟 Watch Jess on Bloomberg A clip from Jess’ Bloomberg appearance that we discussed: https://www.instagram.com/p/DFvGZjdunpm/?hl=en 🛍 Funny Finance T-Shirts & Hats! Check out our new Market MakeHer Merch Shop! We’ll keep adding new, fun designs as we come up with them. When you purchase something from our shop, you help us continue our mission of providing REAL investing education for everyone, because everyone should have access to financial literacy! If you have any issues with an order, please email us and we will do our best to resolve them. Our Other AI episodes: 21. Investing In AI | Building the Investment Thesis 37. Finding AI Stock Investing Ideas… 39. What is a stock split? (the NVDA stock split) 42. AI Under Power Grid Pressure: Price to Energy Ratio 50: SMU: NVDA Earnings, Fed Update… 57. Stock Market Update made with AI from our newsletter 69. Markets Wrapped: 2024 Review Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

This episode was first released on June 24, 2024. We’re replaying it for you for a reason! Think of it as a review of some of last year’s material before we get into all the investing topics we’re going to cover this year. 👩🏼‍🏫👩🏻‍🏫 We share our screen and actually show you how to place different order types at a brokerage firm - you can watch on Spotify or YouTube! —------------------------------------------------------------------------------ There are so many different ways to buy and sell securities in your brokerage account. What does Bid and Ask mean? What is Stop and Limit Order? What are market orders? How many different Order Types are there and what is the difference? This is your ‘set it and forget it” overview of order types for trading securities through your brokerage firm. Remember These Things: Take taxable events into account (capital gains, losses, selling before holding for 1 year, etc.). Don’t try to time the market. This is education, not advice. 😉 Limit Order vs Market Order: Limit Order guarantees price not execution. Market Order guarantees execution. Trading Order Accronyms: FOK = Fill Or Kill GTC = Good Till Canceled OTO = One Triggers Other OTOCO = One Triggers Other Cancel Other SPX = S&P 500 Indice Symbol FINRA has a good explanation of Order Types Related Episodes: We’ve already gone over Bid and Ask prices and how those market mechanics work in Episode 16 (on Dark Pools, PFOF, Market Makers). You might also like Episode 10 (how to read a stock quote) and Episode 14 (how to analyze a stock for beginners). 😉✨ Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

*previously recorded on 03/15/24, but still relevant* Last week we talked about creating quarterly financial goals with a fun activity, and we thought it would be a good time to also revisit your risk tolerance with this past episode. At the time of recording, The Fed still didn’t cut interest rates, but projected they would 3 times, so it was a great time to lock in the higher rates that we saw in fixed income securities (bonds, etc) in the months that followed until rates were finally cut several times the last half of 2024. Did you notice your HYSA interest rate has come down since then? We did prepare you for that, so if you’re not able to stay updated on everything going on in the markets and with The Federal Reserve, you might want to subscribe to the podcast. 😉 —————————————— • What's your investment risk tolerance? (check out the risk pyramid below) • How are you diversifying your investments in your portfolio? • Are the interest rates on our high yield savings account coming down? •What should we do with our cash to make sure it's out-pacing inflation? Figure Out Your Risk Tolerance There are lots of quizzes you can do at your brokerage firm or even government sites that help you figure out your risk tolerance for your personal situation. The higher the risk the higher the reward, BUT, remember that also means there's a higher risk to lose your money. Diversifying is key. 😉 Risk Pyramid High Risk - On Top Medium Risk - Middle Low Risk - On the Bottom ------------------------------ High Risk Investments = Alternative Assets (Options, Futures, and Crypto is the most risky thing you can do with your money) Medium Risk Investments = Fixed Income (government debt, corporate debt, real estate, blue chip stocks, growth stocks, etc.) Low Risk Investments = Cash, Cash Equivalents (T-Notes, HYSA, Bonds, Money Markets, etc.) and you can get ETFs or Mutual Funds that have bonds and low-risk securities in them. Figure out your risk tolerance and let’s see how that might change any of your Q2 goals when we do our Quarterly Financial Check-In! (Check out episode 72 to do your Q1 Financial Planning). Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

It's the beginning of the year, which means it's time to reset those financial goals, but we're making it more attainable (and fun!) by breaking it all down into a quarterly game. If you happen to have ADHD like us, your brain will thank us. 🧠 This isn’t your typical budget/save/invest talk. In this episode, we kick off our brand-new quarterly financial planning series (name pending, suggestions welcome) with a SMILE—literally. 😁 You’ll learn why quarterly planning is a game-changer for your finances, how to use our gamified SMILE Bingo Card to set goals and stay on track, and why budgeting isn’t a boring word—it’s your financial foundation (we're building knowledge and breaking barriers, remember?). ✨Think of it as creating a Vision Board for your finances. ✨ 📈 We’ll also give you a quick market update, including retail sales, earnings season expectations, and the ever-important inflation watch. By the end of this episode, you’ll have the tools (and the bingo card!) to make real progress on your financial goals. Trust us—future you will thank you for this one. Free Download 🔽 🎯 Don’t forget to ⁠download the free SMILE Bingo Card⁠ and tag us (@marketmakeHER on TikTok or @marketmakeHERpodcast on Instagram) with your progress, if you feel inclined to share. 🥐 Make it a group activity with your accountabili-buddies or send to a friend. We'll also be checking back each quarter to see how we're all doing. 🌞 Let’s SMILE our way to financial success in 2025! We'll be checking in with you in Q2! 🌚 Episodes Mentioned: ⁠🔗 Order of Events⁠ ⁠🔗 CD Laddering⁠ ⁠🔗 Market Broadening⁠ ⁠🔗 Market Capitalization Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

👋 Have you ever thought about what would happen if TikTok got banned in the U.S. to the stock market or even the impact on the labor market? It’s a hot topic right now as the TikTok ban case is in front of the Supreme Court. In this episode of Market MakeHer, Jess and I are breaking it all down—from the impact on creators like us (and maybe you!) to the ripple effects on small businesses, the gig economy, the labor market and even the stock market. 📉 Here’s what we’re diving into: ✨ How TikTok accelerated "side-hustles" for creators, small businesses, and advertisers ✨ What a ban could mean for stocks like Meta, Google, Shopify, and Snap ✨ The impact of the creator economy across the labor market and if a disruption might lead to something possibly bigger, like a recession We’re not just reading the headlines; we’re discussing real-life impacts—on your side hustle, your investments, and the economy as a whole. Jess even shares her favorite stocks to watch (not financial advice, of course 😉) and what investors can do to prepare for all this uncertainty. Looking for unbiased, curated financial insights delivered straight to your inbox? Subscribe to the 1440 Business & Finance Newsletter, our trusted sponsor, and elevate your financial literacy—it's free and bi-weekly! This ad is sponsored by 1440 Business and Finance. Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 🔗 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ ✨ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

This week, we’re diving into the key market themes of 2025—what’s shaping up to be a monumental year for self-directed investors. We’ll unpack the trends driving infrastructure investment, tariffs with a twist, deregulation fueling innovation, and the evolution of retail trading. This episode is packed with actionable insights to help you navigate 2025’s most important stock market predictions. From infrastructure to innovation, you’ll learn how these themes could shape your portfolio—and discover the questions you should ask as you plan your next investment moves. Jessica Inskip breaks it all down with her 15 years of expertise, while Jessie DeNuit asks the questions you might be wondering yourself. We also drop hints about what’s ahead this season on Market MakeHer! So, if you’re ready to start the year informed and empowered, hit play now. Jessie’s Questions: Looking for unbiased, curated financial insights delivered straight to your inbox? Subscribe to the 1440 Business & Finance Newsletter, our trusted sponsor, and elevate your financial literacy—it's free and bi-weekly! This ad is sponsored by 1440 Business and Finance. Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 🔗 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ ✨ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

Can you believe it’s already the end of 2024? What a year it’s been! In this episode of Market MakeHer, Jess and I look back at all the major events that shaped the stock market this year. From the AI led rally to the Fed finally cutting rates, we’re breaking it all down. Here’s what we’re covering: This is your ultimate highlight reel of 2024—perfect for anyone who wants to feel smarter about the market and ready to tackle 2025. Whether you’re a beginner like me or a market pro like Jess, we’ve got you covered. 🎙 Episodes Referenced: Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 🔗 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ ✨ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

*This content was taken from Episode 35, which was originally recorded in May 2024, but has been edited to mainly focus on the important terms PCE, PPI & CPI to help put into context the new data we are seeing now in December 2024 and how it affects us as consumers, workers, and investors.* What Is PCE (Personal Consumption Expenditures)? The PCE price index is considered The Fed’s preferred index. It’s kinda like how we use the S&P 500 indice to measure the stock market, but it’s a price index that measures specific goods and services and it’s regionalized. Basically, it's a guage on what Americans are spending and helps track inflation. It’s currently +2.8% YOY (October 2024), which is up from +2.7% in September 2024 - not what we want to see, we’d like to see it go down. Updated Core PCE Link (excludes food and energy) In Episode 15 we explained inflation and learned about PPI & CPI: PPI: producer price index = is the perspective of the seller CPI: consumer price index = is the perspective of the buyer Updated PPI Data What is the difference between the CPI and the PCE Index? The CPI measures the change in the out-of-pocket expenditures of all urban households and PCE measures the change in goods and services consumed by all households, and nonprofit institutions serving households. Dot Plot (summary of economic projections from the FOMC) Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 🔗 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ ✨ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

In this episode, Jess Inskip and Jessie DeNuit discuss essential year-end financial strategies, focusing on retirement account deadlines, tax optimization moves, charitable contributions, and even personal finance tips - for all ages and income levels. Be proactive with your financial planning to avoid penalties and maximize tax benefits. You’ll learn various year-end financial strategies, including: Resources: IRS Contribution Limits Required Minimum Distributions (RMDs) Tax-Loss Harvesting Charitable Giving Rules Flexible Spending Accounts (FSA) Health Savings Accounts (HSA) 529 Education Savings Plans Looking for unbiased, curated financial insights delivered straight to your inbox? Subscribe to the 1440 Business & Finance Newsletter, our trusted sponsor, and elevate your financial literacy—it's free and bi-weekly! This ad is sponsored by 1440 Business and Finance. Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 🔗 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ ✨ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

What is insider trading and what can we learn from the highly-politicized Martha Stewart case regarding illegal insider trading? Find out on this episode of Market MakeHer. 😉 Illegal Insider Trading vs Legal Insider Trading Legal Insider Trading is when company insiders (e.g., executives, employees or majority shareholders) trade their company's stock while following rules and regulations. They must report their trades to the Securities and Exchange Commission (you can search the EDGAR database) to ensure transparency and fairness (we talk about conspiracy theories regarding how people like Jeff Bezos sell off a lot of their shares, but it’s totally legal because they have to report it and it’s all public information that anyone can look up). Illegal Insider Trading is when someone trades based on non-public, material information that gives them an unfair advantage. This includes tips from employees, confidential sources, or any form of access to proprietary information not available to the public. Like a secret that the public doesn’t know yet that would potentially affect stock prices. Illegal insider trading undermines market fairness and investor trust. This is why finance is so regulated. 👑 Icon and Legend Martha Stewart Martha was convicted of obstruction of justice, not insider trading itself. Her case serves as a cautionary tale about the importance of transparency and honesty. She did her prison time, made the most of it, and completely rebuilt her brand after her reputation was tarnished. We talk about how she was made as an example and why it’s bad to lie. 😅 Reliable Resources on Insider Trading and Fraud: SEC.gov Investor.gov Sec.gov/edgar/search/ FINRA.org *Not legal advice nor financial advice, duh. This is educational and informational content.* Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 🔗 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ ✨ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

What is a bond vigilante? The Batman of the bond market? Kinda. In the last episode, we learned the bond market is the most powerful and influential market. Bond vigilantes are big-time bond investors who can use the power of selling bonds to influence the market and protest against fiscal and monetary policy (basically, they try to put restraints on the government from over-spending and over-borrowing, especially when inflation is high). It has happened during Reagan’s term and throughout history, and it seems like they are back! What do bond vigilantes do? When bond vigilantes sell significant amounts of their bonds, they drive bond prices down and yields up, making it more expensive for debt issuers (companies or governments) to borrow money. They do this to get someone’s attention when they don’t agree with fiscal policy. Pre-Requisites (these episodes are other pieces of the puzzle you need to know): 64. How the Credit Market Influences Your Interest Rates 52. Introduction to Bonds 29. Investment Risk Tolerance (the Risk Pyramid) 18. Understand The Yield Curve… 6. The Fed (who they are & how they work) - this one has good episode equity too Key Takeaways and Important Concepts: * A treasury is a “fixed-income product” commonly referred to as bonds. * Companies can issue stock to raise capital (money), and they can also issue debt in the form of a fixed-income product. You lend them money and they pay you back with interest. * Governments can also issue debt from the Treasury, which funds are very large country deficit (debt, kinda like credit card debt). And that’s how the government can get more m Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 🔗 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ ✨ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

What is the credit market and how does it determine our loan interest rates? It’s actually the same thing as the bond market, and we consumers all participate in it. Join us as we delve into the intricacies of the credit market and how it influences interest rates across various financial products, including credit cards, auto loans, and mortgages. We will also discuss the yield curve, the role of the Federal Reserve (aka The Fed), and how understanding these concepts can empower consumers to make informed financial decisions. The financial system is interconnected like a giant puzzle. We’re here to help you put all the pieces together and learn how to make the system and your money work for you! Takeaways ✨Interest rates on loans are influenced by the yield curve. ✨The credit market determines interest rates for various loans. ✨The Federal Reserve impacts short-term rates directly. ✨Understanding the yield curve helps in making financial decisions. ✨Consumers can influence the stock market through their spending. ✨Credit card rates are tied to the prime rate, which is influenced by the Fed. ✨Auto loans are typically tied to the middle of the yield curve. ✨Mortgages are related to the 10-year treasury yields. Episodes mentioned: 18. Understanding the Yield Curve 52. Intro to Bonds Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 🔗 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ ✨ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

Now that the U.S. election results are in, we’re discussing the “elephant in the room” - that is, the implications of potential Trump administration policies on the stock market. We’re focusing on tariffs, immigration, tax cuts, deregulation, and the Fed’s role. How will these factors influence market dynamics, inflation, and economic growth? What does it all mean for self-directed investors? We’ll also define what all these terms mean to help you stay aware of false claims you see on social media (so many videos about tariffs that are getting it wrong). And we’ll discuss the risks of stagflation (new vocab term!) and the historical resilience of the S&P 500. As we all know by now, time in the market is your best strategy and we always encourage our listeners to stay informed and invested for long-term success. Talk to a financial advisor or at least do a little more investigating before making any rash decisions with your portfolio. We’re always here to educate** and make you fin-fluent, not fin-fluenced. <3 It's also important for us to say that we are very sympathetic to how these policies can potentially impact human beings and the environment. Our goal in this discussion is to help you be an informed investor so that you can best take care of future you and make your own educated decisions on what you want to do with your money. <3 **Education, not advice. Jess Inskip is no longer licensed (but was for 10 years) and Jessie DeNuit has never been licensed and is learning all this stuff with you. Episodes Mentioned: 18. Understand The Yield Curve... 56. How to construct & manage an investment portfolio (diversification) Modem Futura Modem Futura is your guide to the bold frontiers of tomorrow, where technology,... Listen on: Apple Podcasts Spotify Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 🔗 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ ✨ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

Today we’re learning allllll about IRAs (individual retirement arrangements/accounts) including Roth IRAs, Traditional IRAs, Rollover IRAs and SEP IRAs. You’ll understand contribution limits, tax implications, and eligibility requirements for each account. As always, we aim to empower you with all the knowledge you need to make informed decisions for future you. This is not advice. ✨Roth IRAs are best for you if you are in a lower income tax bracket and do not need a tax break, because you are taxed upfront, not later. ✨Traditional IRAs are best for you if you do not qualify for a Roth, or if you need a tax break… if you qualify for the deduction. The benefits are before tax dollars, offering you a tax break if you are eligible bc you are in a higher tax bracket. ✨Rollover IRAs you rollover an employer sponsored plan, like a 401k in the plan you want to keep them separate so you can roll it back into a new 401k plan at a new employer. ✨SEP IRAs are best for small business owners who do not want the complexities of 401ks. There are higher contribution limits, and all contributions are made by the employer. Contribution Limits You have to have taxable compensation and your modified AGI. Beginning in 2024, the IRA contribution limit increased to $7,000 ($8,000 for individuals age 50 or older) from $6,500 ($7,500 for individuals age 50 or older). This stayed the same for 2025. Resources: Contribution limits: https://www.irs.gov/publications/p590a SEP IRA FAQ: https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-seps Modem Futura Modem Futura is your guide to the bold frontiers of tomorrow, where technology,... Listen on: Apple Podcasts Spotify Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 🔗 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ ✨ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

⁠Subscribe to our Weekly Stock Market Update Newsletter!⁠ This Week in the Stock Market: 11.04.24 In this episode of Market MakeHer, we're trying something different. We've taken our weekly SMU email and given it to AI to create a separate podcast series. That's right, the email newsletter is also a podcast read by Artificial Intelligence. The hosts discuss key insights from the latest stock market trends, focusing on earnings season, economic indicators, and the contrasting performances of major companies like Amazon and Apple. They emphasize the importance of understanding market dynamics and the implications of Federal Reserve decisions on interest rates. The conversation highlights the need for self-directed investors to stay informed and consider broader economic contexts when making investment decisions. Takeaways Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 🔗 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ ✨ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.

Since we recently learned about Stock Lending, Short Selling, P/E Ratio, and Stock Valuation in the last 2 episodes, we figured it's a good time to revisit our episode on Dark Pools, PFOF, Order Routing, and Market Makers (not to be confused with Market MakeHERS 😉). This also happens to be a Halloween episode from last year, so enjoy our costumes if you're watching the video podcast. 🎃🎃🎃 🔮 Replay of Episode 16 In this episode, Jess Inskip & Jessie DeNuit delve into the complexities of the stock market, focusing on key concepts such as market makers, the bid-ask spread, and dark pools. They explain how orders are processed, the role of market makers in ensuring price equality, and the implications of payment for order flow. The discussion also highlights the importance of understanding these mechanisms to navigate the market effectively and avoid potential pitfalls. ✨Takeaways Modem Futura Modem Futura is your guide to the bold frontiers of tomorrow, where technology,... Listen on: Apple Podcasts Spotify Support the show Ask Us a Question, Leave a Review, Follow, Subscribe: 🔗All Market MakeHer Links 🔗 👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 ✨ Jess Inskip: ⁠TikTok⁠ ⁠Instagram⁠ ✨ ✨ Jessie DeNuit: ⁠TikTok⁠ ⁠Instagram⁠ ✨ About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective. Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions.