Market MakeHer Podcast

Jessica Inskip and Jessie DeNuit

1 Creator

Ready to dive into investing but feeling overwhelmed by financial jargon? Picture yourself learning alongside two friends: one a beginner investor like you and the other a 15-year finance expert. Meet Market MakeHer, your go-to self-directed investing education podcast. We ask the questions you are thinking and answer with fun analogies without the financial jargon. We share free tools and resources from your brokerage firm, so you not only know how it works, but how to actually invest. Get free investing resources at: www.marketmakeherpodcast.com Support this podcast:

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What is Market MakeHer Podcast about?

Learn - Only listen to this if you want to REALLY understand how the stock market works. We explain concepts like: what is a mutual fund, ETF, stock, bond, yield curve, earnings, EPS, the list keeps going.... But if that seems overwhelming! Do not worry! the pod is teacher/ learner style - which means Jessie (the learner) asks questions, stops Jess (the teacher) A LOT to make it make sense. AND everything has a very fun analogy... like explaining the business cycle using a menstrual cycle. (it's shockingly similar) Apply - Not only do we discuss what things are and how they work, we also explain how to click the buttons on your brokerage account and make use of all of the free tools available to self-directed investors! Keep it Relevant - The stock market dynamics can change. We step it up and talk about what is happening with the stock market currently to keep it relevant. For example, your HYSA has historically high interest rates because the Fed raised rates to tackle inflation. That is temporary and requires action to lock in higher rates before rates are cut again. Guess what? if that statement did not make any sense, you are in the right place. Give us a listen and it will! We accept honest feedback only.

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Top 10 Market MakeHer Podcast Episodes

Goodpods has curated a list of the 10 best Market MakeHer Podcast episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to Market MakeHer Podcast for the first time, there's no better place to start than with one of these standout episodes. If you are a fan of the show, vote for your favorite Market MakeHer Podcast episode by adding your comments to the episode page.

45. What is Market Breadth & Concentration Risk? Why Should YOU Care?

Market MakeHer Podcast

07/26/24 • 30 min

Inflation is at an all-time high and so is the stock market. This is a tale of two markets. How is the S&P 500 making record highs when so many Americans are living paycheck to paycheck?

We're going to break it all down. What's happening in the stock market, what the S&P 500 actually is, what market breadth and concentration risk means and why it all matters to you! We also discuss small-cap, mid-cap, large-cap, and even mega-cap companies in your portfolio, briefly, because the small-cap companies are starting to come up. This one is a little intermediate, but all very valuable info when you are a self-directed investor learning how to manage your portfolios to reach your goals. 💰💰💰

(Go to the 20-minute mark for a great analogy about this stuff if you get lost leading up to that point 😉🔮)

Free eBook: The Stock Market Explained

Today's Hosts

Today's episode was hosted by our resident finance expert with 15 years of experience, Jessica Inskip (TikTok and Instagram) and our newest Market MakeHer finance-sis, Jacey Saige, a Gen Z investor here to learn everything she can about investing so she can spread financial literacy to her audience on TikTok and Instagram!

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🔗All Market MakeHer Links 🔗
👀 ⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀
✨ 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.

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49. Better w/ My Finance-Sis, Pt 2: Funds

Market MakeHer Podcast

08/23/24 • 35 min

Continuing our "Better with my Finance-Sis" Mini-Series, in part 2 we talk all about Funds! But not just the different types of investment funds, also the difference between Passive and Active Funds.

Passive Funds vs Active Funds

What is a passive fund?

Passive funds usually have lower expense ratios, with a more simplified investment strategy and less involvement of fund managers (or they can also be managed by computers).

They do still follow a benchmark and aim to deliver returns with that benchmark, and are still subject to 2 important items we need to cover called: expense ratio and tracking error.

Tracking Error Defined: Tracking error is a measure of how closely a portfolio follows the index to which it is benchmarked.
Expense Ratio Defined: The expense ratio is how much of a fund's assets are used towards administrative and other operating expenses. Because an expense ratio reduces a fund's assets, it reduces the returns investors receive.

What is an active fund?

Active funds typically feature higher expense ratios, attributed to the fund manager's in-depth research, analysis, and management efforts.

Funds We Discuss:

Money Market Funds
Mutual Funds
Target Date Funds
ETFs - Exchange Traded Funds
Fixed Income Funds

✨ Follow Jacey Saige on ⁠⁠TikTok⁠⁠ and ⁠⁠Instagram⁠⁠ ✨

✨ Follow Jess Inskip on TikTok and Instagram ✨

✨ Follow Jessie DeNuit on TikTok and

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47. The Recipe for a Market Sell-Off: Carry Trade, SAHM Rule, Recession Fear

Market MakeHer Podcast

08/09/24 • 30 min

The stock market has been having quite the week since our last episode on the Fed’s decision to NOT do a rate cut and the resulting effects of the not-so-great unemployment numbers that came out last Friday.

Recipe for disaster?

Is the stock market crashing? Why was there a sell-off and what is a market sell-off? And is this a good time for us self-directed investors to invest more, like, is the stock market on sale?

What were the sell-off ingredients?

The Carry Trade (Yen Got Stronger)
The Sahm Rule (Recession Indicators)
Recession FEAR (Emotional Investors)

Sell-Off Decline: Pull-Back, Correction, Bear Market?

We all know that the stock market recently tanked and there was a huge sell-off. Was this a pull back or a correction, are we in a bear market.

The difference is a decline of:

Pull back = 5-9%

Correction = 10 -19% (Stock Market Is Currently Here)

Bear market = >20%

✨The recent turbulence was the most severe since the 34% decline that occurred in Q1 2020.

✨ Market corrections happen almost every year. Since the early 1980s, there's been a greater than 5% drawdown in the S&P 500 Index in every year but two (1995 and 2017).

✨ The stock market has historically recovered quickly from corrections. The average time to recovery from a 5%-10% downturn is three months. The average time to recovery from a 10%-20% correction is eight months.

✨80% of corrections since 1974 have not led to a bear market.

✨ There's a 73% probability of a double rate cute (.50%)

How do we know we are in a recession?

Great Analogy: https://www.tiktok.com/t/ZTNgX6jUW/

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51. What is the Business Cycle? Why Does it Matter NOW?

Market MakeHer Podcast

09/06/24 • 36 min

We are revisiting the business cycle and how it relates to the menstrual cycle, much like we did in ⁠Episode 13⁠ on Recessions, but we compare the phases in each cycle, side-by-side this time and break it down further.

What Is The Business Cycle?

The Business Cycle is Periods of economic expansion and contraction based on the 3-Ds we discussed last time: depth (how bad is it?), diffusion (how widespread?), and duration (how long?) of a broad range of economic indicators.

The periods of expansion and contraction begin and end with what is called “turning points” as defined by the ⁠NBER⁠ (National Bureau of Economic Research). The turning points become peaks and troughs. Peaks are when the economy is slowing down. Trough is when it picks back up.

Why Does It Matter?

Monitoring economic data, such as GDP and unemployment, is crucial for assessing the health of the economy and making informed investment decisions. The stock market is not the economy, but it is closely related to the business cycle and the health of the consumer. Understanding the business cycle can help investors anticipate market trends and adjust their investment strategies accordingly.

Hard Landing vs Soft Landing vs No Landing

Soft landing is a slowdown in economic growth with a controlled reduction in inflation (think of a pilot making a slow controlled descent under the cloud cover to safely land a plane) and it’s usually followed by a period of growth.

Hard landing occurs when the economy contracts sharply due to the central bank's efforts to control inflation (raising interest rates too high for too long).

No-landing occurs when the economy continues to grow despite a series of cont

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1. What is Self-Directed Investing?

Market MakeHer Podcast

05/25/23 • 16 min

Welcome to Market MakeHer, a podcast designed to help anyone who has ever felt kept in the dark about how stock market investing works achieve financial empowerment.
In this inaugural episode, join us as we introduce ourselves and share our mission of providing inclusive and accessible financial education for all - from HER perspective. We'll also give you a sneak peek of what's to come, as we break down complex investing concepts into simple, easy-to-understand terms and explain how the investing landscape has changed in the self-directed investing world.
Meet your hosts: Jess Inskip is the financial expert who gave up her financial licenses to be able to teach us how to invest (did you know that the finance industry is more regulated than the healthcare industry?) and Jessie DeNuit is a digital marketer by trade and life-long learner wanting to understand everything there is to know about investing in the stock market and making that money work!
Whether you're a seasoned investor or new to the world of stocks, Market MakeHer is your go-to resource for mastering the market and achieving your financial investment goals. Watch us on YouTube, listen wherever you listen to podcasts, and check out our website for even more free investment education resources: www.marketmakeherpodcast.com
And here is that BrokerCheck website we mentioned, so you can tell if the people you are getting your investment information from are legit: https://brokercheck.finra.org/ (you can find Jessica Inskip on there for sure).
Thanks for listening, and please subscribe! $$$$$

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Market MakeHer provides inclusive and accessible investing education for women and anyone who has ever felt kept in the dark from learning how to invest in the stock market by breaking down complex topics in an easy-to-understand, relatable manner - from Her perspective. We provide educational investing content, not advice. Investing invol

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37. Finding AI Stock Investing Ideas with Jacey Saige

Market MakeHer Podcast

05/24/24 • 34 min

This week we are joined by Jacey Saige, a Gen Z financial literacy advocate who wants to discuss how to find AI opportunities and stock market impacts. Jacey is filling in for our beloved Jessie DeNuit - do not fret she will be back next week!

AI is an important narrative to sustain this bull market. The S&P 500 is about 30% driven by technology. 5% is NVDA. Which means the AI narrative matters because of how we define the market. NVDA is about duration and demand pull for AI. NVDA reports after the hyperscalers: (GOOGL, META, AMZN, MSFT).

There is a new emerging AI headwind: Grid pressure. AI is using a lot of power, every new iteration of NVDA becomes more efficient, the issue arises as demand is growing at an astronomical rate. Grid pressure is a byproduct of compute growth. The opportunity: power providers that canbring to market faster, or alternative, like nuclear power, quickly and at better margins.

Meet Jacey Saige!

Jacey got her first taste of entrepreneurship at 16yrs old, she amassed 30k followers on Instagram and TikTok through sharing her art. Transitioning seamlessly from showcasing her creativity to managing social media, she honed her skills as a freelance manager and created her first business. Now, as she delves into the world of finance, Jacey's journey has taken an exciting new turn.

Pursuing a degree in finance, Jacey shares her insights and discoveries on TikTok @jacey_saige, demystifying investing and empowering her audience to take control of their financial futures. She brings a fresh perspective to the often intimidating world of fin

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53. The Fed Cut Interest Rates: Prepare For Landing 🛬

Market MakeHer Podcast

09/20/24 • 31 min

The Fed aka The Federal Reserve finally cut interest rates. Papa Powell (aka fed chair Jerome Powell) announced this week the federal funds rate is cut by 50 basis points (which means .50%). This might not seem like much to consumers like us, but cutting it by .50% in one meeting is actually a pretty big deal. Normally, everyone would flip out over something like this and wonder if it means we’re in a recession or about to be, but this time, EVERYONE was anticipating it and prepared for it. The stock market is actually at a high today. The S&P 500 rose to a new high today topping the record set July 16th. It’s up 11% since from its low on Aug. 5 when recession panic peaked after the brutal July jobs report. This year, the S&P 500 is up about 19%, despite high interest rates and everything happening in the world this year.

We explore economic indicators, the housing market dynamics, employment trends, and the Fed's dual mandate of balancing maximum employment with price stability. The conversation also touches on the political influences on monetary policy, the definition of inflation, and current market trends, providing listeners with insights into navigating the evolving economic landscape.

The Dot Plot: https://www.federalreserve.gov/monetarypolicy/fomcprojtabl20240918.htm

Still Have More Questions or a Comment?

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43. Stock Market During Election Years: We're Not Getting Political, But Is The Market?

Market MakeHer Podcast

07/05/24 • 30 min

How Does The Stock Market Perform During an Election Year? We are not getting political in this episode -- however, we are on a fact finding mission to understand if the stock market is. Let your fin-mom and fin-auntie break it down for you. 😉🔮

Does the U.S. Presidential election affect the stock market? Does the political party of the elected leader make a difference? Let's discuss, shallllll we? We're going to look at historical data going back to 1900 under each party and even drill down to the sectors.

Seasonality Happens Every Year, But Past Performance Is Not Indicative of Future Results 👻

There are 4 years in a U.S. Presidential cycle, the 4th year is positive for the stock market historically (S&P 500). Since 1928, the 4th year of an election cycle is up 73% of the time with a median return 9.5% - no matter who the political party is.

Does the political party in charge matter?

Looking at Democrat vs Republican, we go back to the 1900s when the DJIA (Dow Jones Industrial Average) was created and see a very minimal difference whether Dem or Rep is in office. Clearly there’s no dispersion because the stock market relies on growth, but the outlier might be those instances when the political party of the president runs both the house and senate, the data changes a little, but overall, the outcome of the Presidential election does not really affect the stock market. The median annualized return every election year is 7.7% when a Democrat wins and 7.9% when a Republican wins, historically. Such a very small difference - make whatever conclusions from that you'd like. 😘

The Takeaway

Elections don’t really impact the stock market. There’s natural seasonality around the time of year Presidential elections take place, but the election itself and the outcome don’t make much of a difference. Time in the market is still your friend!! Stay consistent wi

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32. Q&A: Answering All YOUR Questions (keep 'em coming)

Market MakeHer Podcast

04/12/24 • 24 min

We're back, we had to take a week off because, if you didn't know, Jess is the sun and Jessie is the moon - we had to eclipse. 🌚🌞

First, a quick market update for April 11, 2024 about CPI and PPI!

Then we get to allllll your questions, yes, even questions from our very early episodes (told ya we'd get to them eventually 😅).

Questions we answer in this episode:

@lukodaian asked - can you please explain Dow [indice] points, S&P 500 points, and how they are calculated? what does it really mean?
@beyza asked a question from our last Episode (31) on CD Ladders - When you say the rates are annual, looking at 5.35% for 3 month period, does that mean i will be getting 5.35% at the end of that period or will it actually be less?
@tinaremlinger asked - I would like to know how I go about gifting stocks or buying stocks for my children.
Jane Smith Carson asked about Portfolio diversification! Should I diversify by sector? How do I add bonds in my brokerage account? Are Bond ETFs a good idea? Also she asked Jess what her favorite Taylor Swift song and album is 🙃
Mags asked - I’ve seen discourse about how BlackRock, Vanguard, State Street, etc. have too much market share! I would love to hear thoughts. And the best ways for young adults to build wealth, should we use AI investors, and is Social Security dead?

We help educate you on how the stock market works, so that you can make informed decisions on what to do with your money. Keep the questions coming! 💙💜

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4. What Are Mutual Funds and ETFs?

Market MakeHer Podcast

06/20/23 • 26 min

In Episode 4 of the Market MakeHer Podcast, Jess Inskip teaches us what mutual funds and exchange traded funds (ETFs) are and how they work - and whew - we learned a lot! If you couldn’t take notes while you listened, don’t worry - Jess wrote an article to help explain it in the Episode Equity for the Episode 4 page of the site and Jessie took notes, which can be found in the Dividends section of the site.
Here are some things we learned in Episode 04:

The differences between mutual funds and ETFs
Active vs Passive
You can’t just buy the whole S&P 500, but you can buy a mirror of it
Allll the types of funds that are out there (including Target Date Funds - yes, we will do a retirement episode!)
Stocks are securities, but securities are so much more than stock (i.e. Stocks, Bonds, Funds, Money Markets - oh my!)
Portfolios are like an easter egg basket analogy
Mutual Funds are like a group gift analogy (Bonds are “IOUs” - duh)
Mutual Fund ticker symbols always has 5 letters and ends in "X"
Jessie’s light bulb moment about Primary vs Secondary Markets
Fees Fees Fees! (we also need to do an entire episode about taxes)
How Mutual Funds and ETFs could make you money
“The Greeks” and what Beta means - definitely marinating on this one
How often Jessie says "like" - all the time apparently

Bonus Tip: Don't leave your money sitting in a Money Market in your Brokerage Account! You have to take that money and then invest it in stocks, ETFs, Mutual Funds, etc.

There was also a surprise pop-in visit from Darling Lady Darla, which you can enjoy on our YouTube channel.
As always, you can send us any questions you have about Mutual Funds, ETFs, or anything about the Stock Market at www.marketmakeherpodcast.com/contact-us or on any of our social channels. We are keeping them all o

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