Reducing risk with the 4M Confidence Booster

You can download Evan’s free monthly budgeting spreadsheet here:
https://einvestingforbeginners.com/budget/

In this episode of At Any Rate, Evan Raidt sits down with Sean Tepper, CEO and founder of TYKR, a platform designed to simplify stock analysis and help everyday investors buy and sell with more confidence.

Sean shares how the 2008 crash became his wake-up call, why most beginners get stuck in analysis paralysis, and how TYKR’s “traffic light” system turns a mountain of data into a simple signal: on sale, watch, or overpriced.

Sean also breaks down the “4M Confidence Booster” (math, meaning, moat, management), what signals can help you decide when to sell, and why long-term wealth is built by staying disciplined—especially when the market gets volatile.

Topics Covered:

• The traffic light system: on sale (green), watch (gray), overpriced (red)
• Why analysis paralysis stops new investors from taking action
• The “$100 a week” investing mindset and consistency over time
• Reducing risk with the 4M framework: math, meaning, moat, management
• Individual stocks vs. index funds/ETFs depending on your timeline

Timestamps: 00:00 Intro: Evan welcomes Sean Tepper

02:12 From investing frustration to building ⁠TYKR⁠

02:56 The “traffic light” concept: simplify 100 data points into a decision

05:00 Analysis paralysis and why beginners freeze

07:00 From Excel stock analysis to software

08:30 Investing vs. trading (and why trading usually loses)

12:17 Treat investing like a “mandatory bill”

15:06 The 4M Confidence Booster: math, meaning, moat, management

20:16 Wealth building (10–15 stocks) vs. wealth protection (funds near retirement)

22:34 Dividend strategy in retirement

24:05 “Easy things get complicated” + staying disciplined

25:29 Why “never skip a month” matters (especially in volatility)

28:58 Recency bias vs. long-term market history

32:02 Where to find Sean + closing

Resources Mentioned:

• TYKR (T-Y-K-R): ⁠https://tykr.com/⁠
• Free monthly budgeting spreadsheet:  ⁠https://einvestingforbeginners.com/budget/⁠
• Email Evan: ⁠evan@einvestingforbeginners.com⁠

Have feedback or ideas for Evan? Comment below or email him at ⁠⁠evan@einvestingforbeginners.com⁠⁠—your suggestions help shape future episodes.

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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