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Money Lessons with Andrew Temte, PhD, CFA: Daily Summaries Delivered
by Andrew Temte
Join Dr. Andrew Temte in Money Lessons, a financial education podcast that transforms complex economic concepts into accessible, engaging stories. Each 10-minute episode builds your financial knowledge through historical narratives and practical applications, covering topics such as: How insurance and risk management work Stock market fundamentals and investment principles Banking systems and monetary policy Interest rates, inflation, and economic cycles Credit, debt, and smart borrowing decisions Foundational macro and microeconomic principles that directly apply to personal financial decision-making Building wealth through informed financial decisions Dr. Andrew Temte, a PhD in finance, CFA Charterholder, and former CEO of Kaplan Professional, brings over 15 years of university teaching experience to make finance education approachable for everyone—from high school graduates to seasoned professionals. Unlike traditional personal finance podcasts, Money Lessons uses historical storytelling to reveal how financial systems evolved and why they matter today. Explore how the Knights Templar influenced banking, how the Dutch East India Company created stock markets, and how Benjamin Franklin’s compound interest experiments relate to modern financial decisions. Ideal for young professionals starting their investment journey, parents teaching financial responsibility, or anyone building a foundation for long-term wealth creation.
Latest Episodes
The most recent episodes — sign up to get AI-powered summaries of each one.
- 2 weeks ago15 min
Staying Relevant: Treating a New Skill as an Investment
In this episode of Money Lessons, Andy treats a new skill the way he'd treat any other investment: what it costs, what it returns, and when to make it. He defines skill gap, upskilling, and reskilling; explains why skills go stale, with the World Economic Forum's finding that workers can expect 39 percent of their skills to be transformed or outdated by 2030; and works through a $3,000 certificate step by step, counting the money, the hours, and the years the skill will keep earning. Fun fact: an employer with an educational-assistance plan can pay up to $5,250 a year toward your education — or, since the 2025 tax law, your student loans — with no tax on it. AndrewTemte.com
- 3 weeks ago12 min
Purpose at Work: What a Job That Doesn't Fit Costs You
In this episode of Money Lessons, Andy asks whether the work you're paid for fits the purpose you have — and what it costs you when it doesn't. He defines purpose, alignment, misalignment, and golden handcuffs, then prices misalignment three ways in dollars: disengagement that lets your skills fade, golden handcuffs that make leaving a calculation instead of a feeling, and drift that keeps your human capital from growing. Gallup's newest numbers are here, including the fun fact that low engagement cost the world economy about $10 trillion in 2025. AndrewTemte.com
- Oct 10, 202614 min
Human Capital: Your Earning Power Is Your Biggest Asset
In this episode of Money Lessons, Andy turns from what you earn this year to what you can earn over a working life. He defines human capital — the competence, experience, and health an employer or customer will pay for — and measures it against the asset most families count as their largest, home equity. Drawing on the Federal Reserve's survey of family finances, Georgetown's lifetime-earnings estimates, and the World Bank's wealth accounts, he shows why earning power is the largest asset most people will ever own, even though it never appears on a personal balance sheet. He explains why a raise compounds the way investment returns do, why that makes skills built early worth more, and why only skills that last keep compounding. AndrewTemte.com
- Oct 3, 202615 min
Self-Employment Tax, Estimated Payments, and the Side Gig
In this episode of Money Lessons, Andy turns to the earners the pay stub episodes left out: the self-employed, the independent contractor, and the side gig. He defines the five terms that matter — self-employed, the 1099, net earnings, self-employment tax, and estimated payments — and works through the tax bill on the same $50,000 last week's employee earned, so listeners hear what happens when both halves of Social Security and Medicare land on the self employed. A trip back to 1943 explains why the self-employed still pay the way every American once did, and why the IRS wants four payments a year instead of one. The episode closes with Andy's rule for anyone earning without a pay stub: set the tax money aside the day the payment arrives, and put the four dates on the calendar. AndrewTemte.com
- Sep 26, 202613 min
Benefits Are Pay: Total Compensation and the Employer Match
In this episode of Money Lessons, Andy adds up what a job is worth beyond the salary: the employer's share of the health premium, the employer's half of Social Security and Medicare, and the retirement match. He follows one employee earning $50,000 and shows that total compensation comes to $63,100, and $750 less when a default contribution rate leaves half the match uncollected. Along the way he defines vesting, points to the one line on a W-2 that shows what your health coverage costs, and shares the Bureau of Labor Statistics finding that benefits are 30 percent of what private employers spend on pay. AndrewTemte.com
- Sep 19, 202615 min
Your Income Tax: Brackets, Withholding, and Your Refund
In this episode of Money Lessons, Andy explains how the federal income tax is calculated, starting with four definitions every taxpayer needs: taxable income, the tax bracket, the marginal rate, and the effective rate. He works a single filer's 2026 tax one bracket at a time to show why someone in the 22 percent bracket pays about 13 percent, and why a raise never leaves you with less after tax. From there he explains how an employer estimates withholding every payday, why a refund is your own money coming back without interest, and how the Form W-4 lets you change that estimate at any time. AndrewTemte.com
- Sep 14, 202637 min
Forty Trillion Dollars — What the National Debt Means for Your Household
In this special edition of Money Lessons, Andy takes the national debt's crossing of forty trillion dollars on August 18 and explains what the number is made of — the debt held by the public, and the money the federal government owes its own trust funds. He shows why interest now takes eighteen and a half cents of every dollar the government collects, and why "we'll grow our way out" and "inflation will take care of it" are the same answer. Ray Dalio's three-percent deficit target anchors the arithmetic, and the 2026 Trustees Reports show where the pressure lands next. Andy closes with what the debt means for your mortgage, your savings, and your benefits across three time horizons, and what you can do about it through three of the six jobs your money has. AndrewTemte.com
- Sep 12, 202614 min
Anatomy of a Pay Stub: The Deductions You Chose, the Ones You Didn't, and the Pay You Never See
In this episode of Money Lessons, Andy reads a pay stub for the lines most people skip past. He sorts every deduction into two types — the ones the law requires and the ones you elected, usually in the paperwork on your first day — and explains why a health premium, an HSA, and a retirement contribution come out of your pay before your taxes are figured, and why the federal taxes don't all treat those deductions the same way. Along the way he clears up the most common misunderstanding on the stub: the Social Security line is a tax paid to today's retirees, not a deposit into an account with your name on it, and the story of the first person ever to collect a monthly check shows why. He closes on the pay that never appears on the stub at all — the employer's share of the premium and the retirement match — and why two jobs with the same salary can pay very different amounts. AndrewTemte.com
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About Money Lessons with Andrew Temte, PhD, CFA
Join Dr. Andrew Temte in Money Lessons, a financial education podcast that transforms complex economic concepts into accessible, engaging stories. Each 10-minute episode builds your financial knowledge through historical narratives and practical applications, covering topics such as: How insurance and risk management work Stock market fundamentals and investment principles Banking systems and monetary policy Interest rates, inflation, and economic cycles Credit, debt, and smart borrowing decisions Foundational macro and microeconomic principles that directly apply to personal financial decision-making Building wealth through informed financial decisions Dr. Andrew Temte, a PhD in finance, CFA Charterholder, and former CEO of Kaplan Professional, brings over 15 years of university teaching experience to make finance education approachable for everyone—from high school graduates to seasoned professionals. Unlike traditional personal finance podcasts, Money Lessons uses historical storytelling to reveal how financial systems evolved and why they matter today. Explore how the Knights Templar influenced banking, how the Dutch East India Company created stock markets, and how Benjamin Franklin’s compound interest experiments relate to modern financial decisions. Ideal for young professionals starting their investment journey, parents teaching financial responsibility, or anyone building a foundation for long-term wealth creation.
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