AAR27 – How do I decide how much to save?

You can download Evan’s free monthly budgeting spreadsheet here:⁠⁠https://einvestingforbeginners.com/budget/⁠⁠ In this episode of At Any Rate, Evan Raidt breaks down the practical process of deciding how much to save, spend, and invest—using a clear, percentage-based system that works for any income. Evan walks through the 50-30-20 rule (and how he tweaks it himself), explains why […]

AAR26 – How to Use Insurance to Build Wealth w/ Kim Butler

You can download Evan’s free monthly budgeting spreadsheet here: ⁠https://einvestingforbeginners.com/budget/⁠ In this episode of At Any Rate, Evan Raidt sits down with Kim Butler—founder of Prosperity Thinkers, host of the Prosperity Podcast, and bestselling author of Live Your Life Insurance—to break down how life insurance can be used as a tool for building wealth (not […]

AAR25 – How to Make Smart Purchasing Decisions

You can download Evan’s free monthly budgeting spreadsheet here: ⁠https://einvestingforbeginners.com/budget/⁠ In this episode of At Any Rate, Evan Raidt and Andrew Sather dig into how to make smart spending decisions without living like a hermit or constantly feeling guilty every time you buy something. They push back on the extreme “never spend money” advice that […]

AAR24 – Credit Cards: Tool or Trap?

You can download Evan’s free monthly budgeting spreadsheet here: ⁠https://einvestingforbeginners.com/budget/⁠ In this episode of At Any Rate, Evan Raidt and Dave Ahern tackle one of the most misunderstood tools in personal finance: credit cards. They open with real-life horror stories—from a $20,000 cash advance to chase a “hot stock tip” to a college student stacking […]

AAR23 – How to Get the Best Deal on a House

You can find Evan’s home buying calculator at ⁠einvestingforbeginners.com/home⁠. In this episode, Evan Raidt is joined by Andrew Sather to answer a listener’s question about how Evan was able to secure a 4% mortgage rate in today’s market. They break down the process of finding below-market rates, discuss the pros and cons of new builds […]

AAR01 – How to Use Automation to Build Your Wealth

In this inaugural episode of ‘At Any Rate,’ Evan Raidt welcomes renowned financial expert Dave Ahern to discuss the power of financial automation. They explore various ways to automate savings, investments, and spending to build wealth and achieve financial freedom.  Dave shares his personal methods of using multiple savings accounts and brokerage automation, while Evan […]

AAR00 – Welcome to At Any Rate. Let’s Get to Know Each Other

In this episode, hosts Andrew and Evan Raidt announce the launch of a new weekly segment called ‘At Any Rate.’ This new show will focus on beginner-friendly personal finance strategies designed to make long-term, impactful changes without sacrificing current enjoyment. Evan, a mechanical engineer and personal finance enthusiast, shares his own financial journey and emphasizes […]