Episode•February 10, 2022•32 min

All Things Investing with Angela Matthews | Ep. 88

Angela Matthews comes back for another episode to drop gems on investing. Angela shares how she's made money as an investor and everything you need to know to learn more about investing. About Our Guest Angela E. Matthews is a DIY investment coach and strategist. As the founder of the Happy Investor Method™ her goal is to make investing accessible and fun for all. As an experienced investor and investment trainer, she has conducted workshops, seminars, and one-on-one coaching with thousands of individuals and businesses from all walks of life. Her mission is to help powerful people experience powerful wealth. Why? Simply put, by having your money make money, it allows you to have greater affluence and influence so you can change your world and the one around you. She is especially passionate about doing this for women and people of color. As a first-generation investor, she has learned to invest successfully, and her investments have allowed her to travel all over the world (45 countries and counting), take care of her parents, pay for her wedding, and purchase her first home. All while planting the seeds for her trust fund babies. Connect with Angela Instagram: @happyinvestormethod Facebook: https://www.facebook.com/AngelaEMatthewsNYC/ Episode 21: https://moneytalkwitht.libsyn.com/lets-talk-investing-with-angela-matthews Connect with Tiffany on Social Media Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacy OP3 - https://op3.dev/privacy

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Key Takeaways

1
Market dips are buying opportunities, not reasons to panic
When the stock market drops, it's essentially a sale on quality companies like Amazon and Nike
Long-term investors need these dips to acquire assets at lower prices so profits increase when markets recover
Over time, the market always trends upward, making temporary declines part of the wealth-building process
2
Outgrowing beginner brokerages signals readiness for serious investing
Apps like Robinhood, Stockpile, and Cash App are 'pre-K' level—great for entry but lack advanced features
Signs you've outgrown them: difficulty tracking long-term performance, no access to IRAs, no customer support
Established brokerages like Charles Schwab, Fidelity, and TD Ameritrade offer Roth IRAs, better tracking, and professional-grade tools
3
Roth IRAs and HSAs provide powerful tax advantages
Roth IRA: Pay taxes upfront, then all future growth and withdrawals are tax-free
HSA offers triple tax benefits: tax-free contributions, tax-free growth, and tax-free withdrawals for medical expenses
These accounts let you avoid double taxation that occurs in regular brokerage accounts
4
Financial trauma and limiting beliefs block many from investing
Common narratives: 'Investing wasn't created for me,' 'I'm not good with money,' or fear from past mistakes
Awareness of these subconscious thoughts is the first step to changing them
Mental health support can be funded through HSA cards, removing cost barriers to therapy
5
Match your investing style to your personality for long-term success
Day trading requires constant monitoring and isn't for everyone
Value/long-term investing (like Warren Buffett's approach) involves buying undervalued companies and holding for years
Real estate, crypto, commodities, and sustainable investing are all valid lanes—find what fits you

Intro

Returning guest Angela Matthews, founder of the Happy Investor Method, joins Tiffany to discuss how everyday people can build wealth through investing, especially during market volatility.
Angela E. Matthews is a DIY investment coach and strategist who has helped thousands through workshops and coaching. As a first-generation investor, her investments have funded world travel (45 countries), her wedding, home purchase, and family support.

Instagram Facebook Website Previous Episode (Ep. 21)

– Pandemic-Era Investing Strategy

When the market crashed, Angela saw it as a massive sale rather than a crisis. She bought quality stocks at discounted prices while others panicked.

Anytime the stock market takes a hit, it's a sale. So some people freak out and I freak out with joy.
– Angela Matthews

– Why Market Dips Are Essential for Investors

Long-term investors actually need market corrections to acquire assets cheaply. When prices recover, the profit margin is significantly larger.

Over time, it always goes up. We actually need those dips to survive as investors.
– Angela Matthews

– When to Upgrade from Beginner Brokerages

Robinhood, Stockpile, and similar apps are entry points but lack features serious investors need: Roth IRAs, detailed performance tracking, and customer support.

There's a disconnect. You can see that, right? Stockpile millionaire. No, that person goes with like the Charles Schwab, the TD Ameritrade, the big boys.
– Angela Matthews

– Tax-Advantaged Accounts Explained

Roth IRAs let you pay taxes upfront so all future growth and withdrawals are tax-free. HSAs offer triple tax benefits for medical expenses.

Uncle Sam, my sugar daddy. Seriously, though, like you want your money to grow as much as possible.
– Angela Matthews

– Inflation vs. Investing Returns

Savings accounts may yield 0.5%, while the stock market historically returns ~8% annually. This gap means savers lose purchasing power over time.

Someone's going to give you half a penny or eight pennies per dollar. And which one do you want?
– Angela Matthews

– Financial Trauma and Mindset Blocks

Many people carry 'young mess up' moments, money rejection stories, or the belief that 'investing wasn't created for me.' Recognizing these narratives is the first step to overcoming them.

If it's not created for us, that's a lie. But you have to look at people around you that kind of go counter to that narrative.
– Angela Matthews

– Finding Your Investing Personality

Day trading isn't for everyone. Long-term value investing, real estate, or other strategies may better match your temperament and lifestyle.

Tell me to hold on to a company for five years. OK. I'm cool. Tell me that company could potentially 5X and I'm getting paid for something I did in five minutes, like years later. That's my flow.
– Angela Matthews

– The Power of Consistent Attention

Angela emphasizes that whatever you put energy into grows. Checking your investments regularly and staying engaged leads to better outcomes.

If you put energy into something, there's no way but for it to work out. Pay attention to it. If you pay attention to it, it will grow.
– Angela Matthews

Resources

Topics

investingstock marketbrokeragesRoth IRAHSAfinancial traumamindsetvalue investingtax advantageswealth building