The Tech Money Podcast

This is the show where all things technology and personal finance collide. Hosted by CERTIFIED FINANCIAL PLANNER™, speaker, blogger, and self-proclaimed personal finance nerd Malcolm Ethridge, this show seeks to shake up the traditional approach to personal finance and make concepts such as budgeting, investing, tax planning, stock options, real estate, and insurance (just to name a few) more accessible to the tech community. Once referred to as the “Stuart Scott of personal finance,” Malcolm’s approach is both relatable and entertaining for audiences of all ages and experience levels.

27:28 2022-05-18
Unless you’ve been living under a rock, by now you have certainly heard about Elon Musk’s plans to buy Twitter and take it from a public company to a private one.  Oftentimes, there are many things that will change when a company goes private. And th...
38:59 2022-05-04
Tech professionals are some of the best paid and most in-demand workers around the globe. And in exchange for that great pay and other incentives, it is not uncommon to log back-to-back (to back to back to back) 50, 60, or even 75-hour work weeks; ultimat...
41:51 2022-04-27
If you’ve ever worked for a startup, then you know it can feel a bit like watching paint dry, waiting for the company to reach its light at the end of the tunnel, going public, and allowing you to finally cash in on all of your hard work and contributio...
39:44 2022-04-20
The underlying theme of the stock market and the way it functions is that we are all rational actors in a rational world, acting on the very same publicly available information at the very same time. But the reality is that we are all irrational beings, l...
43:59 2022-04-06
When it comes to your equity, every decision, whether it’s to do something with your shares, or to do nothing at all, comes with a tax consequence. But sometimes, the consequences of that action or inaction, are less obvious, until it’s a year later, ...
45:31 2022-03-30
Unsure whether and how to ask for more equity when negotiating your new compensation package? The 30 minutes you spend negotiating your new employment agreement could change the course of your entire future, and negotiating for more equity can be the driv...
39:35 2022-03-23
Less than 1% of all professionals working in venture capital today identify as LatinX, and only 1.2% of LatinX founders had access to or received VC funding in the last year. However, there are several leaders in the finance and tech communities actively ...
42:48 2022-03-16
We’ve all heard the statistics and read the articles about the pro athlete or entertainer who lived a life of luxury for years, spent money freely, gave it away, didn’t respect it, and then one day, they were no longer at the height of their fame and ...
41:46 2022-03-02
Not that long ago, we were all trying to wrap our collective heads around this thing called Bitcoin and how it was promising to revolutionize the way we all pay for goods and services. And now, before we’ve really even come to a consensus on whether cry...
40:02 2022-02-16
Traditionally, companies source their executive teams and boards of directors solely through their existing networks of employees, investors, friends or family. This tends to lead to companies being led by groups who are not very reflective of their workf...
37:43 2022-02-02
There is no shortage of thoughts and opinions out there when it comes to managing your personal finances and making smart money moves. However, not all financial advice is created equal. Some is meant to entertain, some is meant to inspire, and some is me...
43:47 2022-01-26
Are you considering launching a start-up but unsure how you’ll come up with the funding? Are you currently looking at options to bring to life the next stage of your business and grow? A ROBS transaction might be the answer you’ve been looking for. In...
38:57 2022-01-19
Your credit is important, and it is something that is going to either propel you toward or hold you back from financial independence. So why is that so many people know next to nothing about how credit scores work? In this episode, Malcolm Ethridge sits d...
21:00:00 2021-12-15
When a person retires, conventional wisdom tells us that since they no longer have an income, there’s no way they can pay back a loan – and thus, no bank would be willing to offer them a mortgage. But is that always the case when it comes to purchasin...
21:00:00 2021-12-15
These days, not only are we experiencing record low interest rates, we are also seeing home prices that are constantly on the rise. And this has created a perfect storm for people wanting to refinance their mortgage – for a number of reasons. Although i...
21:00:00 2021-12-15
Recently, you too may have experienced the feeling that everyone else but you has a beach house. And you may be wondering how it’s possible that the people you know can afford to purchase a beach house while they’re still paying off the mortgage on th...
21:00:00 2021-12-01
Typically, when a person is applying for a new loan, they will be asked to provide statements from any bank accounts or investments as a means to show the lender where their down payment will come from when it’s time to close on the loan. And although i...
21:00:00 2021-12-01
With some folks still looking to get out of city centers and move into single family homes with more space to stretch out, it’s not uncommon to need to carry two mortgages for a short time while moving from the old house to the new one, then getting the...
16:54 2021-12-01
A non-traditional mortgage is defined as any mortgage that does not qualify as standard or conventional, or conform to a standard amortization schedule. Such as an adjustable rate mortgage, an interest only mortgage, a balloon payment, etc. And although t...
21:00:00 2021-12-01
In this competitive market, buyers are having to be flexible in what they want and are willing to accept in their new homes. That house with the worn floors or dated bathroom that may have been a disqualifier in years past is now receiving multiple compet...
21:00:00 2021-12-01
As a small business owner, it can be challenging to prove to a lender that you are a safe enough credit risk to lend hundreds of thousands of dollars to. However, that is not to say it is impossible. For most small business owners, the mortgage process ju...
46:02 2021-11-24
In a sales role, you are responsible for your own success. You get the opportunity to make your own schedule, meet interesting people and travel to new places.  However, a role in sales might not always be easy. In this episode, Malcolm Ethridge is joine...
50:34 2021-11-10
When you think of the founder of a tech company, your mind tends to immediately picture an engineer in a hoodie hunched over a laptop coding into the wee hours of the night. But for the founders of some of the largest tech companies that you know and love...
46:53 2021-10-27
According to a study by Rutgers Institute, 24% of male employees hold employer stock options while only 17% of female employees do.  Looking at it from a dollars and cents perspective, in 2018, the average value of a stock option for a male employee was ...
33:13 2021-10-13
We have been at this podcast for a while now, and are constantly bringing you new topics that relate to your personal finances.  With that, comes a lot of listener questions; we are sure that there are lots of people who are questioning the same things. ...
23:57 2021-09-29
There are ways that you can access the value of your concentrated stock positions and avoid the huge tax bill.  In this episode, Malcolm Ethridge sits down with Anthony LoBalbo, regional manager with Schwab Bank, as they discuss the securities backed lin...
48:10 2021-09-15
Taxes are something that we will never be able to fully avoid, so it is imperative that we understand how they are going to impact all aspects of our finances, and prepare to manage them to pay as little as possible.  In this episode, Malcolm Ethridge is...
44:59 2021-09-01
Oftentimes, there is a significant gap between the information that companies who offer stock based comp to their employees think they are providing versus the amount of information those employees feel that they receive. And this information gap  can ma...
41:14 2021-08-18
Your equity compensation can have an outsized impact on your overall portfolio, so it is key to set your strategy ahead of time and find tools that will help you stick to your plan to diversify. In this episode, Malcolm Ethridge sits down with Bill Dillho...
33:13 2021-08-04
Navigating the world of equity compensation can be intimidating, but it doesn’t have to. As a participant in an equity compensation plan, a good place to start is by getting acquainted with your plan document and its various terms and conditions. In thi...
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