Market MakeHer Podcast

In this episode, Jess Inskip and Jessie DeNuit discuss essential year-end financial strategies, focusing on retirement account deadlines, tax optimization moves, charitable contributions, and even personal finance tips - for all ages and income levels. Be proactive with your financial planning to avoid penalties and maximize tax benefits. You’ll learn various year-end financial strategies, including: FSA and HSA RemindersIncome Deferral Strategies for Freelancers Employer-Related Benefits and Deadlines529 Plans for the KidsTips for Reviewing Debt and Spending Planning for Future Financial HealthResources:IRS Contribution LimitsRequired Minimum Distributions (RMDs)Tax-Loss HarvestingCharitable Giving RulesFlexible Spending Accounts (FSA)Health Savings Accounts (HSA)529 Education Savings Plans  Support the showAsk Us a Question, Leave a Review, Follow, Subscribe:🔗All Market MakeHer Links ✨ Jess Inskip: ⁠TikTok⁠  ⁠Instagram⁠ ✨ Jessie DeNuit: ⁠TikTok⁠  ⁠Instagram⁠  About Us 🌚🌞   Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.   Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions. 

What is insider trading and what can we learn from the highly-politicized Martha Stewart case regarding illegal insider trading? Find out on this episode of Market MakeHer. 😉  Illegal Insider Trading vs Legal Insider TradingLegal Insider Trading is when company insiders (e.g., executives, employees or majority shareholders) trade their company's stock while following rules and regulations. They must report their trades to the Securities and Exchange Commission (you can search the EDGAR database) to ensure transparency and fairness (we talk about conspiracy theories regarding how people like Jeff Bezos sell off a lot of their shares, but it’s totally legal because they have to report it and it’s all public information that anyone can look up). Illegal Insider Trading is when someone trades based on non-public, material information that gives them an unfair advantage. This includes tips from employees, confidential sources, or any form of access to proprietary information not available to the public. Like a secret that the public doesn’t know yet that would potentially affect stock prices. Illegal insider trading undermines market fairness and investor trust. This is why finance is so regulated. 👑 Icon and Legend Martha StewartMartha was convicted of obstruction of justice, not insider trading itself. Her case serves as a cautionary tale about the importance of transparency and honesty. She did her prison time, made the most of it, and completely rebuilt her brand after her reputation was tarnished. We talk about how she was made as an example and why it’s bad to lie. 😅  Reliable Resources on Insider Trading and Fraud:SEC.gov Investor.gov EDGAR DatabaseFINRA.org   *Not legal advice nor financial advice, duh. This is educational and informational content.*Support the showAsk Us a Question, Leave a Review, Follow, Subscribe:🔗All Market MakeHer Links ✨ Jess Inskip: ⁠TikTok⁠  ⁠Instagram⁠ ✨ Jessie DeNuit: ⁠TikTok⁠  ⁠Instagram⁠  About Us 🌚🌞   Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.   Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions. 

What is a bond vigilante? The Batman of the bond market? Kinda. In the last episode, we learned the bond market is the most powerful and influential market. Bond vigilantes are big-time bond investors who can use the power of selling bonds to influence the market and protest against fiscal and monetary policy (basically, they try to put restraints on the government from over-spending and over-borrowing, especially when inflation is high). What do bond vigilantes do?When bond vigilantes sell significant amounts of their bonds, they drive bond prices down and yields up, making it more expensive for debt issuers (companies or governments) to borrow money. They do this to get someone’s attention when they don’t agree with fiscal or monetary policy. Pre-Requisites (these episodes are other pieces of the puzzle you need to know):64. How the Credit Market Influences Your Interest Rates52. Introduction to Bonds29. Investment Risk Tolerance (the Risk Pyramid)18. Understand The Yield Curve…6. The Fed (who they are & how they work) - this one has good episode equity tooKey Concepts:* A treasury is a “fixed-income product” commonly known as bonds. * Companies can issue debt in the form of bonds.  * Governments also issue debt from the Treasury, which funds our large country deficit (or debt, kinda like credit card debt). And that’s how the government can get more money for fiscal policy.  * Bonds and Yields (interest) move opposite of each other.  * Rising bond yields = higher borrowing costs = higher mortgage rates, credit card rates, and borrowing costs for all of us. Support the showAsk Us a Question, Leave a Review, Follow, Subscribe:🔗All Market MakeHer Links ✨ Jess Inskip: ⁠TikTok⁠  ⁠Instagram⁠ ✨ Jessie DeNuit: ⁠TikTok⁠  ⁠Instagram⁠  About Us 🌚🌞   Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.   Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions. 

What is the credit market and how does it determine our loan interest rates? It’s actually the same thing as the bond market, and we consumers all participate in it. Join us as we delve into the intricacies of the credit market and how it influences interest rates across various financial products, including credit cards, auto loans, and mortgages.  We will also discuss the yield curve, the role of the Federal Reserve (aka The Fed), and how understanding these concepts can empower consumers to make informed financial decisions. The financial system is interconnected like a giant puzzle. We’re here to help you put all the pieces together and learn how to make the system and your money work for you!  Takeaways✨Interest rates on loans are influenced by the yield curve.✨The credit market determines interest rates for various loans.✨The Federal Reserve impacts short-term rates directly.✨Understanding the yield curve helps in making financial decisions.✨Consumers can influence the stock market through their spending.✨Credit card rates are tied to the prime rate, which is influenced by the Fed.✨Auto loans are typically tied to the middle of the yield curve.✨Mortgages are related to the 10-year treasury yields.  Episodes mentioned:18. Understanding the Yield Curve 52. Intro to BondsSupport the showAsk Us a Question, Leave a Review, Follow, Subscribe:🔗All Market MakeHer Links ✨ Jess Inskip: ⁠TikTok⁠  ⁠Instagram⁠ ✨ Jessie DeNuit: ⁠TikTok⁠  ⁠Instagram⁠  About Us 🌚🌞   Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.   Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions. 

Now that the U.S. election results are in, we’re discussing the “elephant in the room” - that is, the implications of potential Trump administration policies on the stock market. We’re focusing on tariffs, immigration, tax cuts, deregulation, and the Fed’s role. How will these factors influence market dynamics, inflation, and economic growth? What does it all mean for self-directed investors?    We’ll also define what all these terms mean to help you stay aware of false claims you see on social media (so many videos about tariffs that are getting it wrong). And we’ll discuss the risks of stagflation (new vocab term!) and the historical resilience of the S&P 500. As we all know by now, time in the market is your best strategy and we always encourage our listeners to stay informed and invested for long-term success.   Talk to a financial advisor or at least do a little more investigating before making any rash decisions with your portfolio. We’re always here to educate** and make you fin-fluent, not fin-fluenced.   <3 It's also important for us to say that we are very sympathetic to how these policies can potentially impact human beings and the environment. Our goal in this discussion is to help you be an informed investor so that you can best take care of future you and make your own educated decisions on what you want to do with your money. <3     **Education, not advice. Jess Inskip is no longer licensed (but was for 10 years) and Jessie DeNuit has never been licensed and is learning all this stuff with you.  Episodes Mentioned:18. Understand The Yield Curve...56. How to construct & manage an investment portfolio (diversification)52. Intro to Bonds  Support the showAsk Us a Question, Leave a Review, Follow, Subscribe:🔗All Market MakeHer Links ✨ Jess Inskip: ⁠TikTok⁠  ⁠Instagram⁠ ✨ Jessie DeNuit: ⁠TikTok⁠  ⁠Instagram⁠  About Us 🌚🌞   Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend, a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We teach complex investing topics in a different way - from "Her" perspective.   Important Disclosures: Investing involves risk. There is always potential to lose money when investing in securities. Market MakeHer LLC provides educational content and resources for informational purposes only. We are not registered financial advisors & do not provide personalized investment advice. Consult with a licensed financial advisor before making investment decisions. 

Dive into the world of IRAs, where traditional, Roth, rollover, and SEP accounts take center stage! Discover who should choose a Roth IRA and why younger investors love them. Learn about the contribution limits for 2024 and the ins and outs of handling excess contributions. Explore the benefits of SEP IRAs for small business owners and why keeping rollover funds separate is a smart move. With expert insights on tax implications and eligibility requirements, get equipped to make savvy retirement decisions!

This week, the hosts explore a unique AI-driven approach to stock market updates. They discuss the S&P 500's impressive fifth consecutive quarter of growth, despite fewer companies beating earnings estimates. The uncertainty surrounding the upcoming election is causing businesses to hesitate on major decisions. Analysts remain hopeful for earnings growth through 2025, while investors await a potential Fed rate cut. Amazon's optimistic holiday forecast contrasts sharply with Apple's subdued outlook, highlighting the importance of company guidance in today’s market.

Dive into the intriguing world of stock markets, exploring concepts like dark pools and payment for order flow. Discover how market makers ensure price equality while profiting from the bid-ask spread. Learn about the National Best Bid and Offer essential for investors and the complexities of order routing. The hosts also discuss the risks of front running and high-frequency trading, and the critical role of regulations in promoting transparency. Get ready to unravel the mysteries behind the transactions that shape financial markets!

Explore the intriguing world of stock valuation and the P/E ratio, which tells you if a stock is a bargain or overpriced. Discover how earnings potential and market perception influence stock prices. Learn the difference between trailing and forward P/E and why the future matters. Grasp how identical stock prices can mask differing P/Es based on growth expectations and analyst estimates. Understand the significance of comparing P/Es within sectors and why context is key for any valuation strategy!

Discover the intriguing world of stock lending and how it connects to short selling. Learn how retail investors can earn interest from lending their shares, while also understanding the trade-offs involved. The hosts break down the mechanics of short selling, the impact on market dynamics, and the complexities of tax implications. Gain insights into when stock lending might be beneficial and how to monitor your lent positions. A must-listen for anyone looking to navigate the investment landscape with confidence!