The Investing for Beginners Podcast - Your Path to Financial Freedom

andrew@einvestingforbeginners.com

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Present Value vs. Terminal Value: The Real Difference Between “Value” and “Growth”

June 15, 2026

“Value vs. growth” gets treated like two different religions—but the math doesn’t agree. In this episode, Andrew is joined by Daniel Mahncke and Sean O’Malley to break down intrinsic value into two core components: present value (cash flows you can reasonably forecast) and terminal value (everything beyond your explicit forecast period). They make it tangible with two case studies: Universal Music Group as a “bond-like” business with predictable cash flows, and MercadoLibre as a long-runwa...

Not All Dividends Are Equal: Dividend Kings, Aristocrats, and Red Flags

June 11, 2026

Not all dividends are created equal. In this episode, Andrew and Stephen break down two popular “quality filters” dividend investors use—Dividend Aristocrats and Dividend Kings —and why a long streak can be a useful starting point for stock ideas, not a guarantee of safety. They also dig into what a dividend streak can signal about a business, plus the red flags that can turn a “safe yield” into a trap—like unsustainable payout ratios, too much debt, and REIT-style dilution that gives you ...

AAR53-Stop Ballparking It: A Real Plan for Saving Toward a Goal

June 09, 2026

In this episode, Evan walks through a real-time example of saving toward a short-to-medium term goal: buying a motorcycle (plus safety gear) ahead of a future motorcycle trip with his best friend. Instead of vague “just save more” advice, he breaks down the exact mindset and planning process he’s using—built for goals under ~2 years where you need clarity, not hype. You’ll hear what to avoid , then a step-by-step framework so you can actually hit the target. What You Will Learn The bi...