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We're back after the first Friday off in over three years!


Join us as we preview the first YouTube “Third Thursdays”, a monthly Q&A format to respond to audience-submitted financial literacy videos, discuss what is real vs. fake, and address what may or may not be relevant to different financial situations 


In this first session, Brenton reacts to a video about investing a first $1,000, using it to explain ETFs vs. mutual funds (fees/expense ratios, intraday trading, and tax/turnover differences), what the S&P 500 is, and how it is market-cap weighted—meaning a small set of the largest companies can drive most performance. 


We also discuss the broader issue of online financial advice, emphasizing a shared responsibility between creators and viewers, encouraging education over prescriptive “buy this” guidance, and urging listeners to consider emergency reserves, overall financial foundation, personal goals, taxes, and risk tolerance (including using risk tolerance questionnaires) before implementing investing or tax strategies.

00:00 Behind the Scenes: Kicking Off Third Thursdays on YouTube
00:46 Welcome Back: Missed Episode, Life Updates, and Resetting
01:35 Upcoming Webinar: ‘Black with Equity’ (RSUs, Options, ESPP)
02:55 What Is Third Thursdays? Live Q&A + Reacting to Financial Videos
04:50 Preview Topic: Where Should You Start Investing?
07:41 Reacting to ‘Invest My First $1,000’: ETFs, Mutual Funds, and Fees
11:23 S&P 500 Reality Check: Concentration Risk + Fit for New Investors
16:56 Dividends & Taxes: When High-Dividend ETFs Can Backfire
19:59 How to Consume Online Money Advice: Education vs. ‘Just Buy This’
23:56 Wrap-Up: Ask Better Questions + Next Live and Webinar Reminder


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