AAR63 – The Bottom Hits – What Most People Miss in Their Finances
We all know the “top hits” of personal finance, but what about the silent wealth killers? In this episode of At Any Rate, Evan and Andrew break down six common financial traps that are incredibly easy to fall into, regardless of your income. From the dangers of letting your budget rot and relying on sheer […]
AAR62 – Homeownership Progress Update
It has officially been one year since Evan and his wife purchased their first home at 27 years old. In this solo episode of At Any Rate, Evan takes a transparent look at how the finances, lifestyle changes, and hidden expenses have actually played out over the past 12 months. From navigating Florida’s home insurance […]
AAR61 – Drafting Our Finances
In this episode of At Any Rate, Evan and Andrew run a high-stakes “Fantasy Financial Draft.” Alternating picks back and forth, they compete to build the ultimate personal finance strategy across six key categories: safe investments, compounding assets, inheritance accounts, side hustles, home ROI upgrades, and common money rules. From comparing index funds to LeBron […]
AAR60 – Money Debates 2 – Early Mortgage Payoff? Emergency Fund vs. HELOC
This episode is a follow-up to the recent “Money Debates” episode. Evan and Andrew run the format back with new topics: they present both sides of common financial arguments, then share what they personally agree with—sometimes changing their minds mid-discussion. They debate whether a HELOC (home equity line of credit) can replace a traditional emergency […]
AAR59 – We Grade Each Other’s Financial Decisions
In this episode, Evan and Andrew try a fun (and slightly dangerous) format: they each bring real financial decisions from their past, give context, then let the other person interrogate the decision and assign a letter grade. The point isn’t to shame anyone—it’s to show how context changes the “right” answer in personal finance. They […]
AAR58 – Money Debates – Snowball vs. Avalanche and Other Fights
Evan and Andrew try a new format: common personal finance disagreements, argued from both sides—then they reveal where they actually land. They cover debt payoff strategy, whether leasing a car can ever make sense, the lifestyle tradeoffs of investing, and the classic housing question. Along the way, they keep it real: most money decisions aren’t […]
AAR57 – What Does Your Perfect Day Cost?
Money is pointless if it doesn’t help you live a better life. In this episode, Evan is joined by Andrew Sather to talk about what most people are really chasing when they chase money: peace and control. They start with a simple question—“What does your perfect day 5 years from now look like?”—and unpack what […]
AAR56 – Engineering POV on Building Margin Into Personal Finance
Most personal finance advice gets treated like a checklist: hit the emergency fund number, hit the savings rate, and you “pass.” In this episode, Evan explains why that mindset breaks in the real world—and why you should build margin into your finances the same way engineers build margin into parts, systems, and analysis. You’ll learn […]
AAR55 – 5 Years in Engineering: 5 Things I Learned About Building Wealth
In this solo episode, Evan reflects on five years working in engineering (quality → design) and shares the biggest money lessons he’s learned along the way. This isn’t a highlight reel or a sob story—it’s an honest breakdown of what actually changed his financial trajectory, what mistakes he made early, and what he’d do differently […]
AAR54 – AI and Your Finances: Tool or Risk
AI is everywhere—and now it’s creeping into personal finance in a big way. In this episode, Evan is joined by Stephen Morris to talk about what AI could mean for your money, especially as tools like ChatGPT move toward linking directly to financial accounts through services like Plaid. They break down the real risks: privacy […]
