In this episode of Tech Money Live, Malcolm lays out a playbook for how to construct an investment portfolio from scratch. Inspired by a recent blog post and feedback received from the Tech Money community, Malcolm walks through his own approach to investing, and also shares plenty of helpful resources for investors at all phases on the journey.

Join the Tech Money Community on Microsoft Teams

Resources:

One Up on Wall Street

Stock Market Analysis and Tools for Investors

Here's How to Build an Investment Portfolio from Scratch

Connect with Malcolm:

The Tech Money Podcast

LinkedIn: Malcolm Ethridge

MalcolmOnMoney Newsletter

Connect with Malcolm

@MalcolmOnMoney

In this episode, Malcolm Ethridge sits down with Alex Kantrowitz, Founder/CEO of Big Technology to discuss many different topics affecting tech workers, such as whether mass layoffs in tech are finally done, the likelihood that AI actually replaces knowledge workers, as well as Alex’s own journey from working in tech to reporting on it.

Join the Tech Money Community on Microsoft Teams

Resources:

Service Now's People Pact

AI Is Starting to Threaten White-Collar Jobs. Few Industries Are Immune.

Employers Train Employees to Close the AI Skills Gap

Connect with Alex:

Big Technology Podcast

Big Technology Newsletter

LinkedIn: Alex Kantrowitz

@Kantrowitz

Connect with Malcolm:

The Tech Money Podcast

LinkedIn: Malcolm Ethridge

MalcolmOnMoney Newsletter

Connect with Malcolm

@MalcolmOnMoney

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

Capital Area Tax Consultants: www.capgllc.com

Capital Area Tax Consultants - www.capgllc.com

In this episode, Malcolm Ethridge shares the reasons why he believes it’s (almost) always a good idea to take your 401(k) with you whenever you change jobs or retire. He also shares some of the potential pitfalls to be aware of, as well as some helpful insights about a little known option available to those who own substantial shares of their company’s stock inside the plan.

Resources:

• Changing Jobs? You May Want to Take Your 401(k) With You
• Own Company Stock Inside Your 401(k)? Here’s Something to Be Aware Of
• How to Avoid an IRA Rollover Mistake

Malcolm Ethridge Discusses:

• Why he believes you should always take your 401(k) with you when you change jobs (with one exception)
• The difference between a direct vs an indirect rollover
• Something to consider if you own company stock inside your 401(k)
• What can happen to the after-tax money you’ve contributed to your plan if you’re not careful.

Connect with Malcolm:

• The Tech Money Podcast
• LinkedIn: Malcolm Ethridge
• Connect with Malcolm
• @MalcolmOnMoney

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

Capital Area Tax Consultants - www.capgllc.com

In this episode, Malcolm Ethridge discusses the phenomenon of frugality inertia, and why it keeps retirees from being able to enjoy their retirement. He shares his insights on how it can help to reframe your focus and spend that retirement nest egg on things that will enhance your quality of life, ultimately leading to a happier and healthier version of yourself.

Malcolm Ethridge Discusses:

• The common causes of frugality inertia
• The high class problem of having to invent new ways to spend your money
• The importance of balancing your desire to preserve your savings with enjoying your retirement
• What steps retirees can take to help themselves feel comfortable spending money

Connect with Malcolm:

• The Tech Money Podcast
• LinkedIn: Malcolm Ethridge
• Connect with Malcolm
• @MalcolmOnMoney

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

Capital Area Tax Consultants - www.capgllc.com

In recent years, the rise of digital currencies has revolutionized the way we think about money and finance, with more and more individuals and businesses embracing the potential of blockchain technology. However, with this rapid growth has come a significant amount of uncertainty and confusion around the legal and regulatory frameworks that govern this new asset class. And as the crypto industry continues to grow and evolve, the issue of regulation and security will remain a key focus for lawmakers and industry stakeholders alike.

One of the biggest challenges facing the crypto industry today is the issue of security, with several high-profile exchange hacks and collapses leading to the loss of billions of dollars in assets. In response, lawmakers and regulators around the world have been grappling with how to protect consumers and investors in this space. In the US, Congress is currently considering several bills aimed at increasing oversight and regulation of the crypto industry, including measures to require crypto exchanges to register with the SEC and establish minimum capital requirements.

In this episode, Malcolm sits down with Andie Kramer, Founding Member of ASKramer Law, to discuss the current state of regulation in digital assets, such as cryptocurrencies and stable coins. Andie shares her thoughts on regulatory, tax, and governance issues both globally and in the U.S.

Andie Kramer Discusses:

• The types of regulation needed in crypto
• What has happened to crypto since the U.S. Government began regulating it
• The likelihood of a Bitcoin spot ETF being approved by the SEC
• The dangers of ignoring the tax laws related to crypto trading

Connect with Andie:

• LinkedIn: Andie Kramer
• ASKramer Law

Connect with Malcolm:

• The Tech Money Podcast
• LinkedIn: Malcolm Ethridge
• Connect with Malcolm
• @MalcolmOnMoney

About our guest:

Andie is a nationally recognized authority on the regulatory, tax, commercial, and governance matters that arise in trading environments. She provides clients with practical and effective counsel to allow them to move forward with confidence and predictability as they navigate complex, high-stakes transactions. Andie applies a unique multidisciplinary approach to the taxation and regulation of financial products, markets, and participants.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

Capital Area Tax Consultants - www.capgllc.com

Investing is a way to grow your money over time, and secure your financial future. When you invest without a clear plan, you're more likely to make decisions based on emotions, rather than logic. You may be tempted to buy a stock because it's the latest hot trend or sell a stock because you're afraid of losing money. However, when you invest with a purpose, you have a plan in place that guides your investment decisions. And thus, you're less likely to make impulsive decisions that can lead to unnecessary financial losses.

Investing with a purpose means having a clear understanding of your financial goals and investing accordingly. And it requires taking the time to evaluate your financial situation, your willingness, and capacity to take financial risk, and your overall objectives for the capital you plan to put to work. It is not about chasing the latest investment fad or trying to beat the market in the short term. Instead, it's about creating a plan and investing in a way that maximizes your chances of success.

In this episode, Malcolm Ethridge sits down with Jessica Inskip, Director of Education and Product for OptionsPlay, to discuss the importance of investing with purpose, as well as the need to have a firm grasp of the basics prior to jumping into the more complex world of options trading. Jessica shares her unique insight into the different strategies investors can take to limit their risk when investing, as well as how to know when it’s time to introduce more complex strategies into your investment mix.

Jessica Inskip Discusses:

• How to know whether you’re ready to trade options
• How to use options to reduce the risk inherent in a portfolio
• The various ways to incorporate options strategies into a portfolio
• The risks of following finfluencers

Connect with Jessica:

• LinkedIn: Jessica Inskip
• OptionsPlay

Connect with Malcolm:

• The Tech Money Podcast
• LinkedIn: Malcolm Ethridge
• Connect with Malcolm
• @MalcolmOnMoney

About our Guest:

Jessica joined the financial industry in 2009 and most recently accepted a position with OptionsPlay. She has held various positions within the brokerage industry across multiple firms, including roles specializing in strategy, product management, high frequency trading, complex options and derivative strategies, and the relationship management of high-net-worth affluent investors.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

Capital Area Tax Consultants - www.capgllc.com

Nobody enters a marriage expecting to get divorced. Yet, regardless of our best intentions, relationships can and do fall apart. While the emotional roller coaster of divorce is difficult enough, the added frustration of financial litigations can make a situation that much worse. Unfortunately, the current system of divorce in the United States does a poor job of educating clients on the alternatives to litigation. And in the event legal arbitration is the only choice left: where does one turn?

Given their higher salaries and equity arrangements, tech workers are more likely than most to enter marriages with lop-sided assets or income, or both. Furthermore, as a tech worker, it is common to spend your early years building a career, resulting in a later-life marriage, and sometimes with children from a previous relationship. Because of this, some parties may stand to walk away from a marriage with much more than they came into it with. These realities of life should not be ignored when considering a marriage. Even the most rational, cool-headed individuals can be sucked into the emotional damage that is typical of divorce.

On this episode, Malcolm Ethridge sits down with Andrew Hatherley, Certified Divorce Financial Analyst and founder of Wiser Divorce Solutions, to discuss his work helping divorcing couples and individuals avoid the financial and emotional hazards of divorce. Having been divorced himself, Andrew has first-hand experience with the broken and frustrating U.S. “Divorce System” and seeks to do his part to help change the way divorce is handled in this country.

Andrew Hatherley discusses:

• The broken divorce system in the U.S.
• The true cost of filing for divorce
• Ways to avoid an expensive and protracted divorce proceeding
• The importance of prenuptial agreements among couples intending to marry

Connect With Andrew:

• LinkedIn: Andrew Hatherley
• Wiser Divorce Solutions

Connect With Malcolm Ethridge:

• The Tech Money Podcast
• LinkedIn: Malcolm Ethridge
• Connect with Malcolm
• @MalcolmOnMoney

About Our Guest:

Andrew Hatherley is a divorce financial advisor and understands the fear and uncertainty many of you are feeling. He went through his own divorce several years ago. He knows that the extreme emotions that come with divorce can lead to damaging financial mistakes, both short and long term. Having learned the hard way, He is determined to help others avoid some of the pitfalls that can make divorce such a difficult process

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

Capital Area Tax Consultants - www.capgllc.com

Picture this: you’re working for one of the FANG companies, in a high-paying role, with unlimited PTO, free food, and plenty of responsibility -- sounds pretty ideal right? But there’s one big problem: you can’t take it anymore. On one hand, you feel guilty because you’ve ascended to a position many of your peers could only dream of. On the other, you’re unmotivated, unproductive, and struggling to make the commute to the office--or perhaps more telling--your kitchen table. What was once a challenging and fulfilling endeavor has soured. And the pressing question isn’t if you should leave, but when?

Don’t get me wrong, feeling stuck in a high-paying white collar gig is a good problem to have, but it’s not sustainable. Regardless of your annual salary and all the bells and whistles, nobody is immune to career burnout. And worst of all, the cost of staying in a role that no longer serves you can steal your time, freedom, and creativity. And after the life-altering experience of living through the COVID-19 pandemic and plenty of introspection, many workers made the tough decision to protect their peace of mind and walked away. But aside from the financial implications, many more stayed in jobs they hated due to the fear of disappointing their parents and/or their cultural expectations, possible backlash from colleagues left holding the bag, or even just the fear of being seen as ungrateful.

On this episode, Malcolm Ethridge sits down with Michael Lin, Founder of All-In Engineering Consulting, to discuss why he walked away from a nearly half a million dollar a year job at Netflix. In 2022, Michael made headlines after publishing a letter titled “Why I Quit a $450k Engineering Job at Netflix.” His words illuminated the reality of career burnout from high-demand, high-paying roles. So, he and Malcolm sat down to discuss his journey and lessons learned that other tech employees can benefit from.

Michael Lin Discusses:

• The true cost of staying in a job you hate
• The importance of taking your career into your own hands
• Aligning your professional work with your life’s purpose
• How to know when you’re reaching burnout and what to do about it

Connect with Michael:

• LinkedIn: Michael Lin
• Twitter: Michael Lin
• Substack Newsletter
• allinengineeringconsulting.com
• Connect with Michael

Connect with Malcolm:

• The Tech Money Podcast
• LinkedIn: Malcolm Ethridge
• Connect with Malcolm
• @MalcolmOnMoney

About our guest:

Michael Lin is an ex-Netflix tech lead turned entrepreneur. By day, he runs All-In Engineering Consulting, where they help VC-backed startups build MVP’s. By night, he writes a weekly newsletter about entrepreneurship, engineering, and life.

Mentioned in this episode:

Capital Area Tax Consultants - www.capgllc.com

Capital Area Tax Consultants - www.capgllc.com