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Introducing The Decade Investor Podcast - an investing podcast for beginner investors or those who have been investing for 40+ years. Long term thinking with investing wins over time. This podcast is for those long term investors who love to think long term with their money. Every week Kolin (aka Decade Investor) shares stories, tips & ideas that he has used to build his investment portfolio to multiple six figures at age 26. Join along & build long term wealth in a short term world!
68 Episodes
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In this episode of The Decade Investor Podcast, Kolin talks about why contributions are more important than returns in your portfolio when it comes to growth. Especially when you are just starting out. Kolin shares the math behind his reasoning and why you need to focus on just consistently buying into your portfolio at first. The main growth from your portfolio size year over year will come from you just consistently adding more money. As your portfolio starts to grow and grow and grow, this...
In this episode of The Decade Investor Podcast, Kolin asked his X followers what their best investing tip is for someone who is new to the stock market. Kolin had over 456 replies to his post, so in this episode he goes over the 10 best tips that his followers replied with. Kolin shares why he chose these 10 tips & why they are great for anyone who is new to the stock market.Be sure to follow Decade Investor on all socials & join the FREE weekly newsletter!TwitterInstagramWeekly Newsl...
In this episode of The Decade Investor Podcast, Kolin talks about 4 things he has done to help him grow a net worth of over $500,000 at age 26. Kolin talks about living below his means, growing his income, buying assets in down markets and buying a new car right out of college. Kolin shares things he does with his money to get to where he is. It is important to note that these are not the only 4 things you can do to build wealth, rather Kolin just sharing his journey & choices he has made...
In this episode of The Decade Investor Podcast, Kolin talks through a conversation he had with his brother about at what point does investing make sense? People may plug $200 a month into an investing calculator & think "well that isn't worth it"? At what point does investing make sense? The problem with this idea is someone may continually push off investing until they have more money to invest, but when the time comes to invest more money, they may not have the trust in the market. This...
In this episode of The Decade Investor Podcast, Kolin talks through the math behind taking your 401(k) match from your company and why it makes sense to take the match. Kolin shares his reasoning why a 401(k) is a great option to take and do because you are getting an instant 100% return on your money while also being able to invest that for retirement. Kolin shares a story that compares two people, Jack & Jill, to see how taking your company 401(k) match is going to help you end up with ...
In this episode of The Decade Investor Podcast, Kolin talks about the math behind what it takes to max out your Roth IRA in 2024. Kolin tells you how much you need to set aside every week, every pay check, every month to get the max of $7,000 per year (or $8,000 per year in 50 or older) in your Roth IRA. Kolin also breaks it down from doing this over the calendar year OR doing this using the extra few months into 2025 before tax day. This episode is math heavy with the purpose of tellin...
In this episode of The Decade Investor Podcast, Kolin talks about five money goals that are great to start working on as fast as you can. These money goals range from paying off your car loan to staying out of credit card debt to auto investing every paycheck to having an emergency fund. These 5 money goals are great places to start with your money to make sure you are moving in the right direction. These money goals will never hurt you on your journey. Paying off your car is never a ba...
In this episode of The Decade Investor Podcast, Kolin talks about 5 lessons he has learned from his studying & research on millionaires. Kolin shares tips he has educated himself on with different things that millionaires & the wealthy have taught him to do. These 5 lessons include: Stop trading your time for money, Provide as MUCH value as you can, Never stop learning, Put your money to work & Start today. Be sure to follow Decade Investor on all socials & join the...
In this episode of The Decade Investor Podcast, Kolin talks about his system that he follows with his money... The Decade Investor System. This system with money is a way for him to flow money from making it --> saving it --> spending it --> growing investing. Kolin shares why he finds this strategy successful & how he plans to follow The Decade Investor system to reach his financial goals. Kolin talks about the 3 steps within The Decade Investor System to win with his mone...
In this episode of The Decade Investor Podcast, Kolin talks about becoming an overnight success in the stock market. Kolin shares his thoughts on the behavior side of money and investing and how most "over night success" investors really didn't have it happen over night. It was consistently doing the same things over and over and over and over again. Buying every paycheck. Investing every month. Thinking long term. Knowing that the choices you make in 2024 with your money will dictate y...
In this episode of The Decade Investor Podcast, Kolin talks about his process of saving for big expenses that are coming up. These big expenses are expected in the future, not emergencies. Kolin shares the process he follows to start saving money today for those big expenses by knowing what the big expense will roughly cost, working backwards to see how many months/years until he will need that money, then set up a savings plan to get that money set aside now. Kolin shares why it is bet...
In this episode of The Decade Investor Podcast, Kolin talks about his simple, yet effective personal finance set up that he has with his money. Kolin talks about his savings accounts he holds (& why), his credit cards (& why), his investing accounts (& why) and his budgeting tactics. Kolin likes to keep his finances very simple so he follows a very simple path to wealth. Kolin shares his budgeting rules and why he decides to automate both his investing and his bill payments ...
In this episode of The Decade Investor Podcast, Kolin talks through a video from Jack Bogle in which he talks about how to handle a market downturn and how to handle your investing strategy when the stock market is down. Kolin shares this video then talks about the key takeaways that we can all learn from the founder of The Vanguard Group, John "Jack" Bogle. The next time the stock market is in a decline, I highly recommend you listen to his episode to remind you to zoom out and think l...
In this episode of The Decade Investor Podcast, Kolin talks about four things that he cares more about than investment returns. I think what happens is we get caught up in investment returns that we forget that is something we are unable to control. We are not able to control what the return of our portfolio will be. However, there are things that we can control. The 4 things that Kolin cares to focus on when it comes to his investments are the things that he can control. By focusing on...
In this episode of The Decade Investor Podcast, Kolin talks about why he is selling off all his investments and going to cash.April Fools🤪Be sure to follow Decade Investor on all socials & join the FREE weekly newsletter!TwitterInstagramWeekly Newsletter
In this episode of The Decade Investor Podcast, Kolin talks about why he is transferring his money out of M1 Finance and putting it into Fidelity. Kolin talks about the transfer process of moving assets from one brokerage account to another and how easy the process is. Kolin shares the new features that Fidelity has offered such as auto-investing and building your own "pie" with the Fidelity Baskets. Kolin also gives a little tip about just picking a brokerage account to start because t...
In this episode of The Decade Investor Podcast, Kolin talks about tracking your spending and budgeting. He talks about a study from book "The Millionaire Next Door" which studies how your everyday millionaire reached millionaire status. In the book it shares that the majority of millionaires track their spending but also have goals for their money. Kolin shares some insights about budgeting and tracking your spending to make it not seem restrictive, but rather help you understand why it...
In this episode of The Decade Investor Podcast, Kolin talks about a study done by Dave Ramsey that goes over the top 10 car brands driven by millionaires. Kolin talks through the list then gives his thoughts on what the wealthy do with their cars & why the top 10 list is the way it is. Kolin talks about car values vs stock market gains and why driving your way to wealth is pretty difficult to do.Be sure to follow Decade Investor on all socials & join the FREE weekly newsletter!T...
In this episode of The Decade Investor Podcast, Kolin gives an update on his net worth on his 26th birthday + he talks through some money tips that he has learned in his investing career since he was 17 years old. Kolin talks about delaying gratification, enjoying the present, what matters most in investing. Thanks in advance for all the birthday wishes! Cheers to 26!Be sure to follow Decade Investor on all socials & join the FREE weekly newsletter!TwitterInstagramWeekly Newsletter
In this episode of The Decade Investor Podcast, Kolin talks through data to prove that the stock market is not a casino. Kolin looks at historical data to see if the stock market has the same odds as a casino. When you walk into a casino you know that the odds are not in your favor. You know that the odds of losing money are high. Sadly, some people think the stock market is the same as that. Truth is, the stock market is not a casino. If you think long term, the odds of making money in...
In this episode of The Decade Investor Podcast, Kolin answers the question "Do Mid Year Market Pull Backs Lead to Negative Years in the Stock Market?" with data from Dimensional. Kolin talks through historical data to see what the data suggest. Kolin looks as Russell 3000 returns to see if mid year pullbacks in the market mean the index will end the year negative or positive. The results may change your mind on how you view mid year pull backs. Kolin shares his perspective on what happe...
In this episode of The Decade Investor Podcast, Kolin talks about a portfolio he started 68 weeks ago where he has been investing $250 every week. This portfolio is one where he is has been automatically investing into ETFs every week. Kolin talks about the power of consistency in investing and how doing it year over year over year can result in some pretty powerful portfolio numbers. Kolin shares the % gain he has had in this portfolio so far & how much in $ value he has made. Plus...
In this episode of The Decade Investor Podcast, Kolin talks with Marko from Whiteboard Finance who has nearly 1 million subscribers on YouTube. In this podcast episode we talk all things money and investing. We cover the steps it takes to build a winning mindset with investing, how to watch out for scammers or false promises on social media, becoming a great investor and some Bitcoin talk as well. Marko is the creator of Whiteboard Finance University, which helps teach investors to buil...
In this episode of The Decade Investor Podcast, Kolin compares data since 1926 of bull market returns vs bear market returns. Kolin looks at the numbers to see how long does the average bull market last, how long does the average bear market last, how high does bull markets go, how low do bear markets go. Kolin shares the data to help you become a better investor to not freak out or worry about the upcoming bear market. Kolin shares his tips and strategies he is following when it comes to fut...
In this episode of The Decade Investor Podcast, Kolin talks about the updated numbers for the average net worth by age in 2024 and the median net worth by age in 2024. Kolin breaks it down by age groups, so those in theirs 20s, 30s, 40s, 50s, 60s, 70s, 80s and even those in their 90s. Kolin also shares some tips on how to grow your net worth by breaking it down in a simple, easy to understand way. Be sure to follow Decade Investor on all socials & join the FREE weekly newsletter!Twit...
In this episode of The Decade Investor Podcast, Kolin talks about the question of Does the stock market do better with a republican or democratic president? Kolin looks at historical data to see how the S&P 500 has performed with each sitting president's political party. 2024 is an election year & so Kolin thinks it is important to look at data to help you understand that no matter who is president, historically speaking, the market has always gone up & to the right over the long ...
In this episode of The Decade Investor Podcast, Kolin talks with a crypto millionaire Your Friend Andy to have him explain what Bitcoin is, how Bitcoin works, the security around Bitcoin, Bitcoin ETFs and how to safely secure Bitcoin. Andy talks about his personal journey going from nearly 6-figures in debt to becoming a crypto millionaire. Kolin asks Andy to explain the differences between buying Bitcoin directly and buying a Bitcoin ETF. Andy talks about the pros and cons of sel...
In this episode of The Decade Investor Podcast, Kolin talks about the 4% rule for retirement & how it works. Kolin talks through the study that was done where most people cite that you are able to withdraw 4% of your entire portfolio for retirement and that money should last you 30 years. Kolin also talks about a few caveats with the 4% withdraw rule to think about since every situation is slightly different. Kolin finally shows you how to calculate the 4% rule yourself to see how much mo...
In this episode of The Decade Investor Podcast, Kolin talks with Jay Disberger (aka The HopeFilled Financial Coach) about his famous disagreement with Dave Ramsey on his 8% withdraw rate. Jay gets to tell his story & thesis on why he fundamentally disagrees with Dave Ramsey about his 8% portfolio withdraw rate. Jay also talks about his story on money & why he got started investing in the first place. He shares great tips about money in relationships and how he has built a succes...
In this episode of The Decade Investor Podcast, Kolin talks about the Roth IRA & why it is said to be one of the most powerful investment accounts there is. Kolin talks about the benefits of a Roth IRA. The tax benefits of a Roth IRA. The contribution limits of a Roth IRA. The income limits of a Roth IRA. The overall benefit of the Roth IRA. Kolin talks about the biggest thing people forget about when opening a Roth IRA. Read more about Roth IRAs hereRoth IRA Income LimitsBe sure to...
In this episode of The Decade Investor Podcast, Kolin talks with The Money Cruncher, who is a 24 year old immigrant to the United States. He talks about his mindset with money, job hopping to nearly doubling his salary in just 2 years & how to save money by surrounding yourself with the right people. The Money Cruncher immigrated to the United States from Europe when he was 15 years old & is closing in on $200,000 invested in the stock market at 24. Follow The Money Crunch...
In this episode of The Decade Investor Podcast, Kolin talks through whether lump sum investing or dollar cost averaging is a better investment strategy. Kolin talks about studies that help you make an educated decision to either dollar cost average or lump sum invest with your money. Kolin talks about multiple studies that help back up which investing strategy is mathematically a better option.The Vanguard StudyOf Dollars and DataBe sure to follow Decade Investor on all socials & jo...
In this episode of The Decade Investor Podcast, Kolin talks through the question of should you lump sum invest or dollar cost average when investing in the stock market. Kolin talks about studies that help prove which strategy is better & which strategy is more optimal for investors. Kolin also tells which strategy he does, lump sum investing or dollar cost averaging. Vanguard StudyOf Dollars & DataBe sure to follow Decade Investor on all socials & join the FREE weekly newsletter!TwitterInstagramWeekly Newsletter
In this episode of The Decade Investor Podcast, Kolin talks through a 5 step process on how to get started investing in the stock market. Kolin answers the questions of what brokerage to choose, how to deposit money into your brokerage, what are different places you can invest your money, how to set up auto investing in the stock market & what is the biggest necessity when it comes to investing in the stock market in 2024.Be sure to follow Decade Investor on all socials & join t...
In this episode of The Decade Investor Podcast, Kolin talks through the question of should you invest your emergency fund? Kolin answers this question with reasoning & risk of investing your emergency fund & what the purpose of an emergency fund is. Kolin also offers ideas as to where you can invest your emergency fund & where you can be most optimal with your financial plan with your emergency fund. Be sure to follow Decade Investor on all socials & join the FREE w...
In this episode of The Decade Investor Podcast, Kolin talks about the Vanderbilt family & their rise to riches followed by a quick downfall in less than 100 years. This story is a prime example of wealth can be passed down to future generations but it is not always preserved with future generations. The Vanderbilt story is a great lesson on the necessity of financial literacy with future generations to help them understand how to keep wealth that is already built. Be sure to fo...
In this episode of The Decade Investor Podcast, Kolin talks with Brett Holzhauer who is a personal finance reporter at M1 Finance, previously with CNBC & Forbes. Brett shares his story from paying off $80,000 in student loan debt, the financial impacts of going through a divorce in his 20s & how he has been able to get on the path of becoming financially free. Brett also talks about the power of job hopping to increase your income to allow you to reach your money goals faster. B...
In this episode of The Decade Investor Podcast, Kolin talks through the pros of paying off debt before investing and the pros of investing while paying down your debt. Kolin answers the age old question of the best route to take to pay off debt or invest and how to think through this question to help decide what is the best route for you. Kolin also tells a quick story about a time when he chose to pay off debt vs invest & why that was the most optimal decision when he made it. ...
In this episode of The Decade Investor Podcast, Kolin talks about a situation where his brother just purchased a brand new car & it made more sense (mathematically) to finance the vehicle rather than pay for it in cash. Kolin talks about the pros & cons of paying cash for a new vehicle vs financing it when you get a low rate. Kolin talks about the interest rate arbitrage his brother is doing to try & end up making money on interest on this car vs paying it in full in cash.&n...
In this episode of The Decade Investor Podcast, Kolin talks through a quick 10 minute overview of personal finance 101 for beginners. Kolin goes over the 3 buckets to focus on: Earning, Spending & Investing/Saving + how these 3 buckets work together to build out a successful personal finance 101 plan. This episode is just a high level understanding of money & personal finance for beginners. There are waaaaaaay more things to talk about when it comes to a full financial plan, but...
In this episode of The Decade Investor Podcast, Kolin talks about what he calls The Secret Wealth Destroyer. This is also known as Inflation. Inflation has been a hot topic the past few years as everyone has felt it. The slow & steady (or feels like instant) increase in prices which has caused everyone to cut back on their spending. The grocery store trips are costing more and more. The going to dinner is costing more and more. Inflation is not anything new, it has just been more el...
In this episode of The Decade Investor Podcast, Kolin answers the question of whether timing the market or time in the market is better. Kolin talks about a study from Schwab that helps us understand the power of just getting in the market. Most of the time with investing & stocks people will assume you need to time the market to win, but studies show otherwise. Studies show that time in the market is a pretty darn good strategy to have.Read the Schwab study hereBe sure to follow De...
In this episode of The Decade Investor Podcast, Kolin answers the question of buying when the market is at an all time high. There is a lot of people who will say to not buy at all time highs because it is a bad time to buy. In this episode Kolin provides data & studies to help answer this question and to help get a better understanding of the results from buying at all time highs. Kolin also talks more about his strategy when it comes to investing at all time highs.Be sure to follo...
In this episode of The Decade Investor Podcast, Kolin talks about his simple & effective path to building wealth. Kolin talks about the process his money follows once it gets into his bank account from paying bills to spending less than he makes to investing into assets to also (and most importantly) going out and enjoying life. He talks about finding balance between his future and his present day with money. Kolin talks about the process he will continue to follow to build wealth i...
In this episode of The Decade Investor Podcast, Kolin talks about beating the S&P 500 over the long term & shares data to help listeners understand if it is possible to beat the S&P 500 over the long term. Kolin shares his strategy & how he took the data to help him decide what is best for his investments. Be sure to follow Decade Investor on all socials & join the FREE weekly newsletter!TwitterInstagramWeekly Newsletter
In this episode of The Decade Investor Podcast, Kolin talks about The Wealth Multiplier, which was made by The Money Guy Show. The Wealth Multiplier tells us the value of $1 invested today when we are age 65. The Wealth Multiplier helps us understand the value of investing $1 today. It is sometimes hard for us to understand compounding without seeing it in a way that makes sense. The Wealth Multiplier does that. Be sure to follow Decade Investor on all socials & join the FREE w...
In this episode of The Decade Investor Podcast, Kolin talks why the amount of money you invest is more important than the percent return you get. Kolin gives examples of this with data to back up his thoughts. Kolin has built a net worth of over $400,000 at 25 with this belief that if you focus on the amount you invest MORE than the percent return, you will be amazed at how fast your money can grow while sleeping well at night. Hope you enjoy!Be sure to follow Decade Investor on all soc...
In this episode of The Decade Investor Podcast, Kolin talks with Mark Palmer. Mark previously worked in the financial services industry & now creates financial content online. Mark talks a lot about becoming work optional & how to set your finances up to achieve work optionality. Mark also talks about house hacking & how that has been a great accelerator on his wealth building journey. Follow Mark on XBe sure to follow Decade Investor on all socials & join the FREE weekl...
In this episode of The Decade Investor Podcast, Kolin talks about a portfolio he started 59 weeks ago where he has been investing $250 every week. This portfolio is one where he is has been automatically investing into ETFs every week. Kolin talks about the power of consistency in investing and how doing it year over year over year can result in some pretty powerful portfolio numbers. Click here if you want to see the portfolio on YouTubeBe sure to follow Decade Investor on all socials ...
In this episode of The Decade Investor Podcast, Kolin talks about a 5 step money plan that anyone can implement in 2024. This 5 step money plan helps you set up a direction for your money in this new year + how you can use last years finances as a way to reflect & be better in 2024. This 5 step plan is very simple, takes a little time, but helps you find a way to win with your money in 2024.Be sure to follow Decade Investor on all socials & join the FREE weekly newsletter!Twitte...
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