Slow Brew Finance: Recent Episodes
Jose Ordonez
Welcome to the Slow Brew Podcast, where I teach you about good financial decision-making to enhance your life, not your pocket.
slowbrewfinance.com
You sure? To beat the market, you have to be different from the market, and that can pose a lot of behavioral and systematic risk - which, funny enough, could lead you to beat the market in the first place. We examine two of my favorite factors, value and momentum, and how these may lead to explosive returns in the long run.
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What does prediction error look like when you lever up and find out you're not as smart as you previously thought? Welcome to the world of debt. In this episode we analyze if debt is a prudent decision, or a fool's game.
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Let's go back to the basics: What the heck is a stock? In this episode, I review how stocks work, how they get prices and the strategies you can use to profit. (Plot twist: rational systematic investing wins).
Links mentioned in this episode: slowbrewfinance.com/portfolio
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Do you want to get ahead of 99% of the population when it comes to money management? Reading a simple finance book over the weekend can help you turn your financial life around. I go over my favorite 5 finance books that I recommend people read.
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When it comes to personal finance, there is no bigger name in the industry than Dave Ramsey. Dave believes in debt freedom, aggressive investing and home ownership, but is he right? In this episode, I review all seven baby steps and give my thoughts on following Dave.
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Happy fourth of July! Let's talk baseball, mathematics and how "Moneyball" explains value investing better than most finance textbooks.
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The age old question. Should I buy today, or try to time the market? As I was road tripping with my wife, a cheesy revelation cam to mind. Gas prices and investing methodologies are highly correlated with human psychology.
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The verdict is in: Inflation sucks. In this episode, I give you a break down of the why of inflation along with the best advice on how to deal with it.
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Let's go back to the basics. What are the maxims that will you get you to finally take control of your money? In this episode, I talk a bit about my personal story and what I learned along the way. From being a Dave Ramsey devotee, to a CFA candidate - here is how I learned to get good with money.
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Many of us utilize the "I don't have money" scapegoat to avoid taking well-worthy risks. So what can you do about it?
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I continue my conversation on the barbell strategy, this time taking a look at portfolio management in a holistic manner; combining four different options regarding investments and day-to-day finances.
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What do you do when the unpredictable hits, and what can you do about it? We review Nassim Taleb's "Antifragile" in search for answers.
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Welcome to 2022's most controversial podcast at Slow Brew! Cryptocurrency can be a divisive topic, but one that must be understood before embracing. In this episode, I give you my bear and bull case for Bitcoin and a silver-lining in the world of blockchain and DeFi. Crypto investors: proceed with caution.
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Business ownership is one of the most while-worthy pursuits. However, businesses do fail more often than not, and total wipeout can be a devastating blow. How should you go about opening a small business, and what can you do to mitigate the downside.
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The market marks uncertainty, the Nasdaq is in a bear market, stagflation settling in. What do you do? The answer might not include as much math as you think.
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We all know that having a 3-6 month emergency fund is widely viewed as a pillar of financial wellness - but why is that? Today, I examine that claim and explore other topics like I-Bonds, options, and portfolio construction.
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Okay, okay, time to stop being so critical. Maybe home ownership isn't so bad after all. So is there an optimal place for home ownership in portfolio construction?
The idea of calling paid-off home ownership "an inflation-linked bond tied to housing cashflows" came from Episode 196 of the Rational Reminder with Sebastien Betermier.
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Should you have credit cards? Does you FICO score matter? I present you with some short questions you should ask before you decide.
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It's finally here! In the podcast I go over the assumptions for the model portfolio, and go over how an investor may seek higher returns for a given level of risk.
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Results do not determine good decision-making. So what does?
Website.
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Today, I want to break down what it means when people say they're "too poor to save." Is it true? Given the right framework, let's see if that statement holds. Plus, a bit more housing market crazy market, optimism and the "Psychology of Money."
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Feeling the pinch? Yeah, me too. Let's talk about why this is, what we can do about it, and if home-buying is the correct response.
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CNBC Article
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One of the best ways to take an abstract and complex idea such as retirement and make a concrete plan is to figure out how much you need to save now to keep on track, and to budget for it as an expense. In this episode I discuss budgeting for retirement, the meme stock craze, and market fear.
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Retirement Calculator:
https://www.ramseysolutions.com/retirement/investment-calculator
Tip: Plan to have 25x your annual spending goals to hit retirement. (Ex: if you need to spend $40k a year, plan for $1M, as $40k x 25 = $1M)
Errata: It's March 7th not 6th!
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When it comes to the treatment of retirement, a lot of people keep their investments as an emergency funds of sorts. We discuss why that is a bad idea, and the implications of current day issues to your portfolio.
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Investing can look intimidating from afar. Let's take a look at where to start.
www.nerdwallet.com/investing/retirement-calculator
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Happy Valentine's! In this episode I talk about the things that have helped my wife and I manage money together, plus we answer 12 questions from YNAB's 83 questions you should ask your partner.
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What would you spend MORE money on? Why not start today? Plus, a look into FAANG craziness.
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We're in correction territory! What's next? I discuss how market fluctuations may not require further action, how growth has tumbled, and a revisitation of value stocks.
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What if I told you that if you focused on three things, you will become a Personal Finance master? Personal Finance is not about understanding Put-Call-Forward Parity or Bond Convexity strategies. It's about taking control. Let me teach you how in three simple steps.
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Today I answer the question: Should I buy a house? Looking at why house prices have sky-rocketed, what millennials can do about home-buying, and sinning a bit by market timing.
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Today we look at two stocks: Macy's & Tesla, and decide which risk-profile (not stock itself) makes for a better investment. Plus, Nancy Pelosi defends congressmen stock trading.
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Rebranding alert! What if you could get to the point where you feel at peace with your money? Where you and I can share lovely mornings - sipping coffee - and being at peace with your money. Where it’s not about squirreling money away, or feeling guilty about your expenditure?
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Happy New Year! Here's a longer conversation with Santiago & David Romero (www.thewealthvillage.com).
We discuss FIRE, money lenses, investing types, budgeting, and everything personal finance. This is the perfect conversation for both current investors and prospective investors, as well as people who are just starting out.
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Kids college, paying off your mortgage early, and giving your money away. Is Dave Ramey right in recommending people do this after investing?
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Save up 15% of your income and give it to a financial advisor. Is this the best strategy for investing?
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Time to save for a house! Dave believes homeownership is a NECESSITY to build wealth because most millionaires own homes. But is that the plan in the FI artist household?
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Continuing our Dave Ramsey series, we land at baby step 3, where you fund your emergency fund with 3-6 months of expenses. But exactly what amount is good for you?
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Everyone's favorite baby step! I loved going through it, and it changed my mindset about debt and wealth-building. We'll examine the debt snowball and determine whether or not this is the best way to pay down debt.
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New series alert! In the next six episodes, we're going Dave Ramsey's baby steps and giving some commentary. Baby step 1 is to save $1,000 toward a baby emergency fund. But is it enough?
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You can't have everything, but you can have anything. The question is - what are the tradeoffs?
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Personal finance is simpler than it seems. Here's my secret to handling money well.
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BUT WHAT ABOUT BLOCKCHAIN?! I didn't understand it, I still really don't, so why invest? ¯\_(ツ)_/¯
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The formula of the rich is quite simple. Exchange time for money, and exchange that money for more money. The middle class? We love buying new cars.
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It's all about asset allocation! But how do you do it? What are the things that determine your risk tolerance? The answer is actually quite simple.
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Let's learn about the stock market and how it really works so that you can begin investing in assets you understand. Day-trader, beware.
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Making money is awesome! Though I love intentional, well thought out passive income stream ideas, I HATE unintentional, get-rich-quick "passive income" ideas spewed by seventeen year old Youtubers. Here's the key difference.
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Last year, I dumped all my debt. The key? Perseverance, discipline and education. But part of my plan included a well-known side-hustle that I think you too should implement.
SHOW NOTES NOTE: www.decluttr.com
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In this episode, I go over the ONE thing college students can do to make sure they're on track with building wealth after graduation. Hint, hint: It has to do with debt ;)
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Dave Ramsey recommends you throw 25% of your take-home pay at your house payment. That includes your principal, interest, PMI, taxes, insurance and HOA. But is that an all-inclusive list, or is there more to it? Taking that into account, is 25% realistic?
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In this episode, I dive deeper into the math behind homeownership vs. renting. Can I truly build wealth by renting? Do I plan to just rent forever, or is there a third option?
Show notes:
"Why Your House is a Terrible Investment" by Jim Collins
"Coming Ahead While 'Throwing Your Money Away' in Rent" by Jose Ordoñez Jr.
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Trigger warning! This episode will trigger the Karens, but it's okay because I'll be reading a blog that I didn't write. But seriously, let's look at some of the cracks in the idea that house ownership is the BEST investment. Also, I have no manager, so don't even try calling.
Show notes:
"Why Your House is a Terrible Investment" by Jim Collins
"Coming Ahead While 'Throwing Your Money Away' in Rent" by Jose Ordoñez Jr.
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Longer episode warning! In this episode I go through all my bank accounts and investments so you can peek through my money system.
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Story time! The one time I was a pretty bad husband. Why did I act the way I did? Because I tried to overcontrol my money situation.
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Avoiding pain in life is pretty hard. Yet, there are two types of pain you can feel, and it's on you to choose which one it is you want to feel.
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Many people think that budgeting is all about restricting your expenditure. Here's the story of how my budget forces me to SPEND more.
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Order of operations! Having a hard time figuring out what to do to win with money? This episode will give you a plan for your money so you're not lost next time you get your paycheck. You WILL know what to do with the next dollar.
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If financial pundits were totalitarian politicians lattes, avocados, and restaurants would be illegal overnight. If you think that you're going to save money by not drinking a latte, think again. It's about BIG wins, not your avocado toast.
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Artistry can be risky, and we knew that when we chose our path. Being an artist means that we are intentional with our lives, so why can't we translate that intentionality to our money?
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I wrecked my car in November and had to deal with the deductible. How would you go about handling an emergency with OR without a fund? Here's a mini order of operations episode for emergencies.
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Tired of budgeting on excel but can never stick to it? Do you check your bank account every time before spending? I got the perfect budgeting system for you.
See the full blog post here: www.thefiartist.com/blog/automation
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If you have no idea where to start in your budgeting, I present to you: How I Budget.
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Well, well, well. The lie that a budget is only about restrictions has come under fire once again. Budgeting, my friends, is all about spending. Whether you're spending now or later, that is the question.
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BOOM ROASTED! If you think you don't need a budget, think again. I want to challenge the notion that you don't need a budget, as... well, you already have one.
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Welcome to the FI Artist podcast, where I teach you how to fit your money into your life goals, and not the other way around.
My name is Jose Ordoñez, and I'm tired of hearing about people talking about money by using numbers and percentages, and not psychology and life goals. Money is merely a tool, let's peek behind the curtain of why our culture has turned money into such a taboo topic.
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