Videos
Description.
Dollar-Cost Averaging Explained | Better Than Timing the Market?
In this video, I break down dollar-cost averaging (DCA), a simple investing strategy that removes the guesswork of trying to time the market. You’ll learn exactly what DCA is, how it works mechanically, and why investing a fixed amount at regular intervals can protect you from buying at the worst possible moment. I walk through a practical example with real numbers showing how DCA affects your average cost per share, and I explain the research behind why most investors fail at market timing — including the shocking stat that missing just the 10 best days over 30 years cuts your returns in half. I also cover DCA vs lump sum investing, including when each strategy makes sense and what the Vanguard research actually shows. Plus, I address the limitations of DCA that every investor should understand, including why it doesn’t guarantee profits and when lump sum investing might be the better choice. Whether you’re a new investor looking for a stress-free way to build wealth or you’re sitting on a lump sum trying to decide how to invest it, this video gives you everything you need to understand dollar-cost averaging.
Chapters
0:00 – The Cost of Market Timing
0:23 – What is Dollar-Cost Averaging?
0:59 – How DCA Works (With Example)
1:59 – DCA Limitations
2:10 – Why Timing the Market Fails
2:42 – DCA vs Lump Sum Investing
3:23 – Key Takeaways
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1. Columbia & Wall Street Prep AI for Business & Finance: https://ryano.finance/columbia-ai
2. Wharton & Wall Street Prep Real Estate Investing & Analysis: https://ryano.finance/wharton-real-estate
3. Wharton & Wall Street Prep Private Equity (PE): https://ryano.finance/wharton-pe
4. Wharton & Wall Street Prep Financial Planning & Analysis (FP&A): https://ryano.finance/wharton-fpa
5. Wharton & Wall Street Prep Value Investing: https://ryano.finance/wharton-avi
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*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.
Wharton Restructuring & Distressed Investing Certificate Program | Wall Street Prep
Use code *RYANOC* at checkout to save $300 on your enrollment.
🎓 Wharton Online & Wall Street Prep Restructuring & Distressed Investing Certificate Program 🎓
► Use code RYANOC for $300 Off
► https://ryano.finance/wharton-rdi
Unlock the world of restructuring and distressed investing with the Wharton Online & Wall Street Prep Restructuring & Distressed Investing Certificate Program. In this full program overview, we cover tuition, program length, faculty and guest speakers, the Wharton Online certificate, and the program’s networking benefits.
You’ll also see who this program is best suited for, from credit professionals and private equity investors to restructuring advisors, investment bankers, attorneys, and corporate finance leaders. We’ll walk through the curriculum in detail so you know exactly what to expect, including distressed investing, bankruptcy, liability management exercises, capital structure analysis, distressed M&A, turnaround management, and 13-week cash flow modeling.
Chapters:
0:00 – Intro to Wharton Online’s Restructuring & Distressed Investing Certificate
0:18 – Price & Length of Program
0:34 – Wharton Online & Wall Street Prep Program Credibility
0:52 – What does this program cover?
1:39 – Who is this for?
2:22 – The Program Curriculum
2:55 – Faculty & Speakers
3:38 – Wharton Online Certification
3:46 – Save With Code RYANOC
*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.
DCF Analysis Explained Simply | A Brief Intro to Discounted Cash Flow Valuation
In this video, I break down DCF analysis (discounted cash flow), the gold standard method investors use to determine what a stock is actually worth. You’ll learn exactly what a DCF is, why the time value of money matters, and how to calculate intrinsic value using three key ingredients: projected free cash flows, a discount rate, and terminal value. I walk through the complete DCF formula step by step, show you how to interpret your results by comparing intrinsic value to market price, and explain why a margin of safety is essential for every valuation. I also run through a practical example with real numbers so you can see the entire calculation from start to finish. Plus, I cover the critical limitations of DCF that every investor needs to understand, including why small changes in your assumptions can dramatically swing your valuation. Whether you’re a value investor looking to find undervalued stocks or just want to understand how Wall Street values companies, this video gives you everything you need to master DCF analysis.
Chapters:
0:00 – What is DCF Valuation?
0:17 – Time Value of Money Explained
0:36 – The Three Ingredients of DCF
1:03 – The DCF Present Value Formula
1:12 -Turning Enterprise Value Into Share Value
1:23 – Intrinsic Value Vs Price
1:42 – Practical DCF Example
2:18 – DCF Limitations & Pitfalls
2:44 – Key Takeaways
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🎓 *Ivy League Certificate Programs by Wall Street Prep — Save up to $500 with codes RYAN or RYAN300:*
1. Columbia & Wall Street Prep AI for Business & Finance: https://ryano.finance/columbia-ai
2. Wharton & Wall Street Prep Real Estate Investing & Analysis: https://ryano.finance/wharton-real-estate
3. Wharton & Wall Street Prep Private Equity (PE): https://ryano.finance/wharton-pe
4. Wharton & Wall Street Prep Financial Planning & Analysis (FP&A): https://ryano.finance/wharton-fpa
5. Wharton & Wall Street Prep Value Investing: https://ryano.finance/wharton-avi
*Get 10% Off Snowball Analytics to help manage your portfolio with code RYAN here:*
https://snowball-analytics.com/register/ryan
*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.
WACC Explained for Beginners (Weighted Average Cost of Capital)
In this video, I break down WACC (Weighted Average Cost of Capital), the single number that determines whether a company’s investments create or destroy value. You’ll learn exactly what WACC means, how to calculate it using the full formula, and how companies use it as a hurdle rate for investment decisions. I walk through each component of the formula — cost of equity, cost of debt, and the tax shield — then plug in real numbers to calculate a complete WACC step by step. I compare real-world examples using Duke Energy and Tesla to show why different industries have wildly different WACCs, and I explain how WACC connects to DCF analysis as the discount rate. I also cover four critical pitfalls that trip up even experienced analysts, including why WACC involves circular logic. Whether you’re analyzing stocks, building DCF models, or studying corporate finance, this video gives you everything you need to understand the Weighted Average Cost of Capital.
Chapters:
0:00 – What is WACC?
0:20 – WACC Definition
0:46 – The WACC Formula Explained
1:02 – Breaking Down Each Component
1:36 – WACC Calculation Example
1:56 – How Companies Use WACC
2:32 – Real Example: Duke Energy vs Tesla
3:19 – Four WACC Pitfalls
4:20 – Key Takeaways
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🎓 *Get 25% Off CFA Courses (Featuring My Videos!) — Use code RYAN25 here:*
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🎓 *Ivy League Certificate Programs by Wall Street Prep — Save up to $500 with codes RYAN or RYAN300:*
1. Columbia & Wall Street Prep AI for Business & Finance: https://ryano.finance/columbia-ai
2. Wharton & Wall Street Prep Real Estate Investing & Analysis: https://ryano.finance/wharton-real-estate
3. Wharton & Wall Street Prep Private Equity (PE): https://ryano.finance/wharton-pe
4. Wharton & Wall Street Prep Financial Planning & Analysis (FP&A): https://ryano.finance/wharton-fpa
5. Wharton & Wall Street Prep Value Investing: https://ryano.finance/wharton-avi
*Get 10% Off Snowball Analytics to help manage your portfolio with code RYAN here:*
https://snowball-analytics.com/register/ryan
*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.
Compound Interest Explained for Beginners | The Math Behind Building Real Wealth
In this video, I break down compound interest explained simply for beginners — the most powerful force in investing. You’ll learn what is compound interest, how compound interest works, and why the power of compound interest is the key to building long-term wealth. I walk through the compound interest formula with real numbers and show you the compound interest math behind how to calculate compound interest step by step. I compare two investors to prove why starting early matters more than investing more in compound interest investing, and I show you the Rule of 72, a simple shortcut for compound interest calculation to estimate how fast your money doubles. I also cover the dark side of compounding that works against you with debt. Whether you’re looking for compound interest explained for beginners or want to understand compound interest investment strategies, this video gives you everything you need to harness compound interest for real wealth.
Chapters:
0:00 – The Penny That Doubles Every Day
0:30 – What is Compound Interest?
0:54 – The Compound Interest Formula
1:13 – Calculation Example
1:31 – Why Starting Early Beats Investing More
2:13 – The Rule of 72
2:37 – Compound Interest & Debt
3:04 – Key Takeaways
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🎓 *Get 25% Off CFA Courses (Featuring My Videos!) — Use code RYAN25 here:*
👉 https://ryano.finance/cfa
🎓 *Ivy League Certificate Programs by Wall Street Prep — Save up to $500 with codes RYAN or RYAN300:*
1. Columbia & Wall Street Prep AI for Business & Finance: https://ryano.finance/columbia-ai
2. Wharton & Wall Street Prep Real Estate Investing & Analysis: https://ryano.finance/wharton-real-estate
3. Wharton & Wall Street Prep Private Equity (PE): https://ryano.finance/wharton-pe
4. Wharton & Wall Street Prep Financial Planning & Analysis (FP&A): https://ryano.finance/wharton-fpa
5. Wharton & Wall Street Prep Value Investing: https://ryano.finance/wharton-avi
*Get 10% Off Snowball Analytics to help manage your portfolio with code RYAN here:*
https://snowball-analytics.com/register/ryan
*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.
PEG Ratio in Stock Market Explained | Price/Earnings-to-Growth Ratio
In this video, I break down the PEG ratio (Price/Earnings-to-Growth ratio), one of the most important metrics investors use to evaluate whether a stock is fairly valued relative to its growth. You’ll learn exactly what the PEG ratio means, how to calculate it by dividing the P/E ratio by expected earnings growth, and most importantly, how to interpret your results. I walk through real-world examples comparing Meta and Coca-Cola’s PEG ratios to show why a low P/E doesn’t always mean a better deal. I also cover the key limitations of PEG ratios that every investor needs to know, including why growth estimates can be unreliable. Whether you’re just starting to invest or looking to sharpen your stock analysis skills, this video gives you everything you need to understand the PEG ratio.
If you want to quickly find the PEG ratio for any stock, check out Seeking Alpha Premium. You can get 10% off using the link below.
Chapters:
0:00 – What is PEG Ratio?
0:24 – PEG Ratio Definition
0:44 – PEG Ratio Formula Explained
1:16 – How to Interpret PEG Ratio
1:38 – Meta vs Coca-Cola PEG Comparison
2:07 – PEG Ratio Limitations & Pitfalls
2:28 – Key Takeaways
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🎓 *Get 25% Off CFA Courses (Featuring My Videos!) — Use code RYAN25 here:*
👉 https://ryano.finance/cfa
🎓 *Ivy League Certificate Programs by Wall Street Prep — Save up to $500 with codes RYAN or RYAN300:*
1. Columbia & Wall Street Prep AI for Business & Finance: https://ryano.finance/columbia-ai
2. Wharton & Wall Street Prep Real Estate Investing & Analysis: https://ryano.finance/wharton-real-estate
3. Wharton & Wall Street Prep Private Equity (PE): https://ryano.finance/wharton-pe
4. Wharton & Wall Street Prep Financial Planning & Analysis (FP&A): https://ryano.finance/wharton-fpa
5. Wharton & Wall Street Prep Value Investing: https://ryano.finance/wharton-avi
*Get 10% Off Snowball Analytics to help manage your portfolio with code RYAN here:*
https://snowball-analytics.com/register/ryan
*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.
P/S Ratio in Stock Market Explained | Price to Sales Ratio
In this video, I break down the P/S ratio (price to sales ratio), a powerful metric investors use to evaluate stocks when earnings aren’t available or reliable. You’ll learn exactly what the P/S ratio means, how to calculate it using market cap and revenue, and most importantly, how to interpret your results. I walk through real-world examples comparing Costco and Salesforce’s P/S ratios to show why industry context and profit margins matter when analyzing stocks. I also cover the key limitations of P/S ratios that every investor needs to know, including why low P/S doesn’t always mean a bargain. Whether you’re evaluating growth stocks, unprofitable companies, or just looking to add another tool to your stock analysis toolkit, this video gives you everything you need to understand the price to sales ratio.
Chapters:
0:00 – What is P/S Ratio?
0:23 – P/S Ratio Definition
0:41 – P/S Ratio Formula Explained
1:07 – High vs Low P/S: What It Means
1:37 – Costco vs Salesforce P/S Comparison
2:19 – P/S Ratio Limitations & Pitfalls
2:47 – Key Takeaways
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🎓 *Get 25% Off CFA Courses (Featuring My Videos!) — Use code RYAN25 here:*
👉 https://ryano.finance/cfa
🎓 *Ivy League Certificate Programs by Wall Street Prep — Save up to $500 with codes RYAN or RYAN300:*
1. Columbia & Wall Street Prep AI for Business & Finance: https://ryano.finance/columbia-ai
2. Wharton & Wall Street Prep Real Estate Investing & Analysis: https://ryano.finance/wharton-real-estate
3. Wharton & Wall Street Prep Private Equity (PE): https://ryano.finance/wharton-pe
4. Wharton & Wall Street Prep Financial Planning & Analysis (FP&A): https://ryano.finance/wharton-fpa
5. Wharton & Wall Street Prep Value Investing: https://ryano.finance/wharton-avi
*Get 10% Off Snowball Analytics to help manage your portfolio with code RYAN here:*
https://snowball-analytics.com/register/ryan
*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.
P/B Ratio in Stock Market Explained | Price to Book Ratio
In this video, I break down the P/B ratio (price to book ratio), one of the most important metrics investors use to evaluate stocks, especially in the financial sector. You’ll learn exactly what the P/B ratio means, how to calculate it using stock price and book value per share, and most importantly, how to interpret your results. I walk through real-world examples comparing JPMorgan Chase and Microsoft’s P/B ratios to show why context matters when analyzing stocks. I also cover the key limitations of P/B ratios that every investor needs to know, including why this metric works best for banks and asset-heavy companies but can be misleading for tech and service businesses. Whether you’re just starting to invest or looking to sharpen your stock analysis skills, this video gives you everything you need to understand the price to book ratio.
Chapters:
0:00 – What is P/B Ratio?
0:24 – P/B Ratio Definition
0:45 – P/B Ratio Formula Explained
1:17 – High vs Low P/B: What It Means
1:46 – JPMorgan vs Microsoft P/B Comparison
2:21 – P/B Ratio Limitations & Pitfalls
2:44 – Key Takeaways
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🔥 *Get $30 OFF Seeking Alpha Premium:* https://ryano.finance/seeking-alpha
🎓 *Get 25% Off CFA Courses (Featuring My Videos!) — Use code RYAN25 here:*
👉 https://ryano.finance/cfa
🎓 *Ivy League Certificate Programs by Wall Street Prep — Save up to $500 with codes RYAN or RYAN300:*
1. Columbia & Wall Street Prep AI for Business & Finance: https://ryano.finance/columbia-ai
2. Wharton & Wall Street Prep Real Estate Investing & Analysis: https://ryano.finance/wharton-real-estate
3. Wharton & Wall Street Prep Private Equity (PE): https://ryano.finance/wharton-pe
4. Wharton & Wall Street Prep Financial Planning & Analysis (FP&A): https://ryano.finance/wharton-fpa
5. Wharton & Wall Street Prep Value Investing: https://ryano.finance/wharton-avi
*Get 10% Off Snowball Analytics to help manage your portfolio with code RYAN here:*
https://snowball-analytics.com/register/ryan
*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.
P/E Ratio in Stock Market Explained | Price to Earnings Ratio
In this video, I break down the P/E ratio (price to earnings ratio), one of the most fundamental metrics investors use to evaluate whether a stock is overvalued, undervalued, or priced just right. You’ll learn exactly what the P/E ratio means, how to calculate it using stock price and earnings per share (EPS), and most importantly, how to interpret your results. I walk through real-world examples comparing Apple and Tesla’s P/E ratios to show why context matters when analyzing stocks. I also cover the key limitations of P/E ratios that every investor needs to know, including the difference between trailing P/E and forward P/E. Whether you’re just starting to invest or looking to sharpen your stock analysis skills, this video gives you everything you need to understand the price to earnings ratio.
Chapters:
0:00 – What is P/E Ratio?
0:24 – P/E Ratio Definition
0:46 – P/E Ratio Formula Explained
1:09 – High vs Low P/E: What It Means
1:46 – Apple vs Tesla P/E Comparison
2:26 – P/E Ratio Limitations & Pitfalls
3:00 – Key Takeaways
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🎓 *Get 25% Off CFA Courses (Featuring My Videos!) — Use code RYAN25 here:*
👉 https://ryano.finance/cfa
🎓 *Ivy League Certificate Programs by Wall Street Prep — Save up to $500 with codes RYAN or RYAN300:*
1. Columbia & Wall Street Prep AI for Business & Finance: https://ryano.finance/columbia-ai
2. Wharton & Wall Street Prep Real Estate Investing & Analysis: https://ryano.finance/wharton-real-estate
3. Wharton & Wall Street Prep Private Equity (PE): https://ryano.finance/wharton-pe
4. Wharton & Wall Street Prep Financial Planning & Analysis (FP&A): https://ryano.finance/wharton-fpa
5. Wharton & Wall Street Prep Value Investing: https://ryano.finance/wharton-avi
*Get 10% Off Snowball Analytics to help manage your portfolio with code RYAN here:*
https://snowball-analytics.com/register/ryan
*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.
How to Build a Mortgage Tracker in Excel (With Prepayments)
In this video, I show you how to build a fully automated mortgage tracker in Excel from scratch, complete with an amortization schedule that handles extra prepayments. You’ll learn how to calculate your monthly payment, interest paid, principal paid, and remaining balance for every payment period using built-in Excel formulas. I also walk through how to factor in excess prepayments so you can see exactly how extra principal payments reduce your total interest and shorten your loan. A free mortgage calculator is also available on RyanOConnellFinance.com if you want to run your numbers instantly.
*Free Mortgage Calculator Tool:* https://ryanoconnellfinance.com/mortgage-calculator/
*Download the Google Sheets file created in this video for FREE:*
Chapters:
0:00 – Intro to Mortgage Tracker in Excel
0:26 – Enter the Inputs
1:06 – Mortgage Calculator Monthly Payment
2:28 – Find the Payment Date
3:27 – Enter the Total Payment
3:48 – Calculate the Extra Principal Paid on Each Payment
4:33 – Calculate the Interest Paid on Each Payment
5:22 – Calculate the Principal Paid on Each Payment
5:47 – Calculate the Remaining Balance
6:10 – Make the Amortization Table Fully Automated
8:47 – Verify the Calculations Are Correct
10:13 – Factoring in Excess Prepayments
11:33 – Mortgage Calculator on RyanOConnellFinance.com
*Disclosure: This is not financial advice and should not be taken as such. The information contained in this video is an opinion. Some of the information could be wrong. This channel is owned and operated by Portfolio Constructs LLC. Some of the links above are affiliate links, meaning, at no additional cost to you, I will earn a commission if you click through and make a purchase.
Explore Top Finance Certificates
Access official certificates from Wharton Online & Columbia Business School Executive Education, powered by Wall Street Prep. Save up to $500 with code RYAN.
