You can download Evan’s free monthly budgeting spreadsheet here: https://einvestingforbeginners.com/budget/
In this episode of At Any Rate, Evan Raidt walks through the exact system he uses to track his personal financial progress—without obsessing over every transaction or living on extreme “never spend money” rules. Over the past few years, Evan has nearly quadrupled his net worth using boring (but powerful) fundamentals: consistent saving, simple investing accounts, and heavy automation.
Evan breaks down his monthly financial check-ins, how he reviews whether he actually stuck to his budget, and how he tracks net worth over time using a simple spreadsheet. He also explains what he includes in net worth (including the controversial stuff like car value and home equity), why tracking trends matters more than a single number, and how a quick monthly update can help you catch problems early and stay motivated.
Topics Covered:
Why tracking financial progress is motivating
Monthly financial check-ins
Evan’s automation-first approach
Building a simple net worth tracker
Why Evan includes car value & home equity in net worth
Timestamps:
00:00 Intro
01:30 Evan’s results & why “boring” fundamentals work
02:30 Free budget sheet: https://einvestingforbeginners.com/budget/
04:55 Why tracking progress matters
09:40 The two-part system
12:35 Monthly budget check-in
14:10 Automation approach
15:10 Setting up a net worth spreadsheet
18:20 Including car value & home equity (and why Evan does it)
20:40 Tracking debt as negative values
24:00 Graphing net worth over time
27:05 Closing
Resources Mentioned:
Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/
Email Evan: evan@einvestingforbeginners.com
Have feedback on the solo episodes (good or bad) or want Evan to share a simpler version of his net worth tracker? Comment below or email him—he’d love to hear from you.
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.
Today’s show is sponsored by:
Go to SHOPIFY.COM/beginners to start selling with Shopify today. https://www.shopify.com/beginners
Download the Plynk app today to start building your investing confidence: https://plynkinvest.app.link/IFB
Go to auraframes.com and use promo code BEGINNERS at checkout to get $35 off https://auraframes.com/
Get your free quote and see how much you could save at SelectQuote.com/beginners
Interested in how your company sponsor the show? Reach us at equity@einvestingforbeginners.com
SUBSCRIBE TO THE SHOW Apple | Spotify | YouTube | Amazon | Tunein
Learn more about your ad choices. Visit megaphone.fm/adchoices
The Investing for Beginners Podcast - Your Path to Financial Freedom