The Investing for Beginners Podcast - Your Path to Financial Freedom

Beginner investors want to skip straight to the exciting part—picking stocks, chasing crypto gains, and dreaming of 100% returns. But diving into the market without a rock-solid financial foundation underneath you is a guaranteed recipe for panic-selling at the worst possible moment. In Part 2 of the "Path to Confidence" series, Andrew Sather sits down with Evan Raidt (At Any Rate) to break down why liquidity risk destroys unhedged portfolios, how to automate your cash flow to eliminate willpower, and why finding the financial "middle ground" beats both extreme austerity and YOLO reckless spending.

What You Will Learn

The Hidden Risk of Liquidity Lockup: Why investing money you might need in the short term forces you to liquidate assets at a loss during emergency market dips.

The Honest Budget Reality Check: How categorizing expenses into strict Needs, Wants, and Savings (plus-or-minus $100) exposes silent cash drains before you buy a single share.

Removing Willpower via Automation: Why setting up recurring transfers into S&P 500 index funds ($VOO$) and high-yield savings accounts guarantees compounding progress without daily discipline.

The 3-to-4 Month Catch-Up Rule: How to handle unexpected financial setbacks without blowing up your long-term investment strategy or falling into a burnout-inducing lifestyle change.

Escaping the Social Media Extremes: Why sustainable wealth creation happens in the middle ground between rinky-dink frugality and reckless lifestyle inflation.

Timestamps

00:01:23 — Why Financial Foundations Come First: Understanding liquidity risk and investment lockup

00:04:12 — The Mentorship Effect: How watching realistic financial progress beats hype-driven advice

00:09:10 — Step 1: The Honest Budget: Setting up Needs, Wants, and Savings without perfectionism

00:13:48 — Needs vs. Wants in Practice: Drawing the line between necessities (rent, childcare) and discretionary spends

00:20:47 — Overcoming the Getting-Started Speedbump: Shifting focus from short-term friction to long-term freedom

00:27:38 — Automating Your Wealth: Eliminating willpower by auto-depositing into savings and index funds ($VOO$)

00:32:42 — Why S&P 500 Indexing Works: Long-term historical resilience vs. short-term market noise

00:35:50 — Navigating Setbacks: Emergency funds, managing cash flow drains, and the 3-4 month catch-up window

00:46:40 — The Financial Middle Ground: Why steady compounding beats extreme FIRE frugality and YOLO spending

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures.

Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc.

Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com.

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Are you spending too much on your car? Is your rent making you "house poor"? In this episode of At Any Rate, Evan and Andrew ditch the vague financial advice and dive into the exact ratios and percentages you should be aiming for to secure your financial future.

From breaking down the classic 50/30/20 budgeting rule (and why it must be calculated on your net income) to establishing hard limits for vehicle expenses, housing costs, and "fun money," the guys provide a blueprint for evaluating your spending. Plus, they explore how to handle windfalls and the right way to size "risky" investments in your portfolio.

What You Will Learn

The 50/30/20 Rule: How to properly categorize your needs, wants, and savings without feeling restricted.

The 15% Vehicle Limit: Why you must include gas, insurance, and maintenance when calculating your car affordability.

The 30% Housing Limit: The financial superpower of buying a "starter home" instead of stretching for a dream home immediately.

Net vs. Gross Savings: Why you shouldn't include your employer 401(k) match when calculating your personal 20% savings rate.

The 50/50 Windfall Rule: A guilt-free system for splitting bonuses and tax refunds between treating yourself and building wealth.

Portfolio Risk Management: Why it's okay to own highly volatile stocks—as long as you size them correctly.

Timestamps

02:04 – Andrew’s favorite investing metric: Calculating Expected Returns

05:42 – The 50/30/20 Budgeting Rule: Needs, Wants, and Savings

07:32 – What to do if your "Needs" exceed 50% of your income

11:18 – The 15% Rule for Vehicle Expenses (Including gas and insurance)

19:20 – Housing Ratios (30%) & The compounding power of starter homes

28:15 – Credit Card Debt Ratio: Why the only acceptable target is 0%

31:08 – Retirement Savings: How much of your savings bucket should be locked away?

38:23 – Calculating your savings rate on Net vs. Gross income

40:07 – Portfolio Risk: Defining "risky" investments and sizing them correctly

48:26 – The 50/50 Windfall Rule: How to handle bonuses and tax refunds without guilt

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Download the Plynk app today to start building your investing confidence. https://plynkinvest.app.link/IFBpodcast

Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures.

Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

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⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tunein
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Most retail investors assume the biggest market gains belong to high-flying mega-cap tech stocks, but historical data reveals a completely different reality: 87% of all 10x stocks over the past decade started as microcaps. However, blindly chasing small-company story stocks is the fastest way to incinerate capital. In this episode, Andrew Sather sits down with microcap veteran and author Ian Cassel (Stock Picker, Intelligent Fanatics) to uncover how retail investors can exploit institutional blind spots, evaluate management as a primary moat, and execute disciplined exit strategies in microcap equities.

What You Will Learn

The 18% Profitability Filter: Why 82% of microcap stocks are unprofitable traps—and how focusing on the profitable minority eliminates 95% of blow-up risk.

Management as the Moat: Why traditional competitive moats don't exist in $50M companies, making repeated winning CEOs and skin-in-the-game teams the ultimate catalyst.

The Illiquidity Premium: How institutional size constraints create a structural advantage for retail investors trading illiquid $10k/day volume stocks.

Why You Can't "Coffee Can" Microcaps: Why the average winning microcap trade lasts 16–18 months and requires active maintenance due diligence rather than passive buy-and-hold.

The 49% Hit Rate Reality: What Lee Freeman-Shore’s study of top hedge fund managers proves about stock-picking accuracy vs. execution and position sizing.

Timestamps

00:01:00 — Introduction: Welcoming Ian Cassel, author of Stock Picker and founder of Microcap Club

00:02:26 — Investor Life Cycles: How early wins, losses, and environment shape risk temperament

00:05:16 — The $20k to $120k to $8k Rollercoaster: Ian’s dot-com boom and bust during high school and college

00:11:00 — Story Stocks vs. Fundamentals: Why starting with narrative stocks creates high risk tolerance

00:12:35 — The XM Satellite Radio Case Study: How a $1.78 microcap turnaround generated a 10x recovery

00:18:38 — Management is the Moat: Evaluating repeated winners, capital allocators, and pedigreed teams

00:25:15 — Why Quality Small Businesses Go Public: Valuations, capital efficiency, and global microcap markets

00:30:25 — The Reality of Microcap Holding Periods: Why short shelf-lives demand active selling discipline

00:33:25 — Developing the "Spidey Sense": Recognizing management body language and thesis decay

00:40:00 — The Illiquidity Premium Data: Roger Ibbotson’s Yale study on microcap outperformance

00:48:25 — The Art of Execution: Why top investors win with a 49% hit rate through position sizing

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today’s show is sponsored by:

Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures.

Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

The Perfect Jean makes insanely comfortable, great-fitting jeans you can wear all day—check them out at theperfectjean.nyc.

Function Health helps you get ahead of your health with comprehensive lab testing and clear, actionable insights—learn more at functionhealth.com.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Interested in how your company sponsor the show? Reach us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠⁠

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In Part 1 of the "Path to Confidence" series, Stephen Morris and Andrew Sather tackle a critical lesson for beginner investors: you must know what game you are playing to avoid gambling away your money. The hosts break down key investor archetypes—from hands-off 401(k) "set-it-and-forget-it" investors to broad-market index/ETF purists—exploring the pros, cons, and tax strategies behind each path.

Moving beyond passive strategies, Stephen and Andrew analyze the realities of physical real estate versus REITs, alongside the mental grit required to succeed as an individual stock picker. The episode wraps up with a concrete action step: identify your investor archetype, write it down, and use it to confidently filter out any financial media noise that doesn't fit your personal game plan.

What You Will Learn

How to identify your specific investor archetype so you stop playing the wrong financial game and focus on your strengths.

The key pros, cons, and tax strategies of 401(k)s, Roth IRAs, and low-cost index ETFs.

The truth about real estate investing, comparing the heavy debt and hands-on labor of physical property to the passive simplicity of REITs.

The mental grit required for stock picking, and why long-term fundamental investing beats high-stress day trading every time.

A simple, 1-step action item to filter out distracting financial media noise and stay completely confident in your strategy.

Timestamps

02:15 – Introducing the "Path to Confidence" Series

03:30 – Archetype 1: The 401(k) "Set It & Forget It" Investor

04:30 – Pros & Cons of Employer-Sponsored 401(k) Plans

07:15 – Strategy Breakdown: 401(k) Match vs. Roth IRA

09:20 – Archetype 2: The Index Fund & ETF Purist

11:20 – Why ETFs Are the Safest Learning Ground for Beginners

12:55 – Archetype 3: Real Estate (Is Your Primary Home an Investment?)

15:10 – The Reality of Physical Real Estate: Leverage, Labor & Debt Risks

19:37 – REITs: The Truly Passive Alternative to Property Management

29:13 – Archetype 4: The Stock Picker Mindset & Mental Toughness

49:50 – Archetype 5: Trader vs. Investor (Day Trading Risks vs. Compounding)

58:10 – The Action Step: Your Sticky Note Assignment & Filtering Media Noise

Resources Mentioned

The Value Spotlight Newsletter: ⁠https://einvestingforbeginners.com/value-spotlight-newsletter⁠/

Have questions or want your story featured? Email the show at ⁠newsletter@einvestingforbeginners.com⁠ or comment below. Your feedback shapes the podcast!

Remember, invest with a margin of safety—emphasis on the safety. Have a great week, and we’ll talk to you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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Today’s show is sponsored by:

Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures.

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In this special game-show episode of At Any Rate, Evan puts Andrew in the hot seat for a 15-question financial trivia challenge. From guessing 2026 401(k) contribution limits and average new car prices to exposing credit card score myths and gym membership waste, the guys test how well real-world finance metrics match consumer intuition.

Whether you're playing along in the car or looking to sanity-check your own budget, this episode combines surprising macroeconomic statistics with practical behavioral advice on managing debt, bonuses, and grocery budgets.

What You Will Learn

U.S. Credit Score Reality: Why the average American credit score (740) is significantly higher than most consumers assume.

Bear Market Horizons: Why the average bear market lasts only 9.6 months and how "recency bias" tricks investors into staying on the sidelines.

Credit Card Debt Myths: Why 48% of Americans carry a monthly balance—and why carrying debt does not improve your credit score.

The Cost of Driving: How new car prices ($49,000) have pushed average loan terms to a staggering 69 months.

The 60/40 Bonus Rule: How to enjoy workplace bonuses without blowing your long-term savings goals.

Stock Market Non-Participation: Why 38% of Americans hold zero stock investments and how to overcome financial paralysis.

Timestamps

0:00 – Game Show Intro & Rules: Who Wants to Be a Financial Millionaire?

3:42 – Tier 1: Average Credit Scores & 401(k) Contribution Limits ($24,500)

8:27 – New Car Price Realities ($49,000) & Average Credit Card Debt ($7,000)

12:55 – Bear Market Historical Length (9.6 Months) vs. Recency Bias

17:35 – Housing Market Leverage: Total Real Estate Value vs. U.S. GDP (4x)

19:11 – Tier 2: Emergency Savings Deficits (30% with $0 in Savings)

27:32 – Gym Membership Waste (67% Unused) & Wedding Costs ($34,200)

31:32 – Credit Card Myths: Why Carrying a Balance Does NOT Improve Credit

34:42 – Tier 3: New Car Loan Terms (69 Months) & Median U.S. Bonuses ($1,700)

40:47 – How to Manage Bonuses: The 60/40 Spending & Savings Rule

43:00 – Monthly Gas Costs ($200) vs. EV Charging Efficiency ($45/mo)

44:35 – Average Grocery Bills ($400/mo) & Luxury Grocery Markups

46:37 – Moneyball Question: Stock Market Non-Participation (38%) & Crypto/Gambling Traps

51:47 – Overcoming Financial Hopelessness: Building Habits & Incremental Progress

55:35 – Final Score

Resources Mentioned

The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have questions or want your story featured? Email the show at newsletter@einvestingforbeginners.com or comment below. Your feedback shapes the podcast!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by:

Download the Plynk app today to start building your investing confidence. https://plynkinvest.app.link/IFBpodcast

Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures.

Shopify: Stop waiting for permission to build something. Your next revenue stream starts for free at shopify.com/beginners

Upgrade your wardrobe with Quince to get high-quality, luxury essentials at a fraction of the cost by visiting ⁠https://quince.com/beginners⁠

Turn your passion into profit, connect directly with eager buyers, and grow your business by hosting live, interactive auctions at ⁠https://whatnot.com/sell⁠

Supercharge your productivity and automate your daily tasks by building custom AI agents in your all-in-one workspace at ⁠https://notion.com/investing⁠

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Interested in how your company sponsor the show? Reach us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equity@einvestingforbeginners.com⁠⁠⁠⁠⁠

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⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tunein
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