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    <description><![CDATA[<p>You get what you pay for with free advice! Ethan Ungerbuehler and Garrett Rudolph host the Uncertified Financial Planners podcast. While they are not professionals, they are all about the memes and the money! They are two college students who have a passion for educating others and learning all about the markets and economy. Join them on their journey of becoming financially free as they embark on the adventure to discover the hidden depths of the market!</p>]]></description>
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      <description><![CDATA[You get what you pay for with free advice!In this episode the boys (mainly Ethan cause he talks too much) discuss turning motivation in to discipline. With their encouraging words and superior wisdom, Garrett and Ethan do their best to provide strong tips in becoming more disciplined in hopes of accomplishing your goals and aspirations!As always, we do the research so you don't have to... but still do your own research ;)]]></description>
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      <description><![CDATA[You get what you pay for with free advice!In this episode, the gentlemen here at UFP discuss interview skills and how to look at job opportunities during recessionary times along with AI integration in modern day research and social media. Ethan makes wild predictions on the implications of AI integration and whether or not he thinks it will lead to the end of the world!As always, we do the research so you don't have to!]]></description>
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      <description><![CDATA[You get what you pay for with free advice!After a long hiatus from the podcast, in this episode the boys discuss a little bit of everything. Ethan provides some unprofessional financial "advice" for those who may need it and Garrett as always provides interesting events in current news and gives insight to what is currently going on. Hope you enjoy as much as we did!As always we do the research so you don't have to!]]></description>
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      <description><![CDATA[<p>You get what you pay for with free advice!</p><p>In this episode the boys discuss inflation and its effects on the stock market, spending and how consumers consume. While Garrett tackles inflation, Ethan runs over some statistics of the history of the S&amp;P500. On top of this, the boys discuss five tips on how to remain focused after a down year like 2022.</p><p>As always we do the research so you don't have to!</p><p>Join the discord!</p><p><a href="https://discord.gg/hH5wZtj4">https://discord.gg/hH5wZtj4</a></p>]]></description>
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      <description><![CDATA[<p>You get what you pay for with free advice!</p><p>In this episode, the boys discuss market bubbles, how to respond to them, and what to expect after them. As the new year has begun the boys review the previous year in the market and what could come next. </p><p>As always, we do the research so you don't have to!</p><p>Join the discord!</p><p><a href="https://discord.gg/hsgyBEsw">https://discord.gg/hsgyBEsw</a></p>]]></description>
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      <description><![CDATA[<p>You get what you pay for with free advice!</p><p>In this Christmas episode the boys discuss money efficiency, gift giving, and the current state of the economy. It is holiday season and that means, spending. It is important to budget and be efficient when shopping for others so the boys dive in to accomplishing that and ways to be successful doing so.</p><p>As always, we do the research so you don't have to!</p><p>Join the discord!</p><p><a href="https://discord.gg/GMYUfyRm">https://discord.gg/GMYUfyRm</a></p>]]></description>
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      <description><![CDATA[<p>You get what you pay for with free advice!</p><p>In this episode the boys catch up after a lovely Thanksgiving break and get back into the swing of podcasting. </p><p>As always, we do the research so you don't have to!</p><p>Join the discord!</p><p><a href="https://discord.gg/GMYUfyRm">https://discord.gg/GMYUfyRm</a></p>]]></description>
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      <description><![CDATA[<p>You get what you pay for with free advice!</p><p>In this episode the boys dive in to the world of esg ratings and their impact on the market. The boys give their opinions on the ratings and if they are something to keep an eye on when purchasing. Along with esg ratings, the boys discuss the impact the midterm election results and how it effects and will effect the market. </p><p>As always, we do the research so you don't have to!</p><p>Join the discord!</p><p><a href="https://discord.gg/Bb5RtHG6">https://discord.gg/Bb5RtHG6</a></p>]]></description>
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      <description><![CDATA[<p>You get what you pay for with free advice!</p><p>In this episode the boys discuss how valuable time is in the business world and world in general. Time is the one asset that, no matter how hard you try, you can never get back once you have spent it. </p><p>As always, we do the research so you don't have to!</p><p>Join the discord!</p><p><a href="https://discord.gg/fE5MPTEc">https://discord.gg/fE5MPTEc</a> </p>]]></description>
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      <description><![CDATA[<p>You get what you pay for with free advice!</p><p>The boys discuss the potential recession of the world economy, GDP numbers, expectations and Actions to take in the event of a recession. </p><p>As always, we do the research so you don't have to!</p><p>Join the discord!</p><p><a href="https://discord.gg/fE5MPTEc">https://discord.gg/fE5MPTEc</a></p>]]></description>
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      <description><![CDATA[<p>You get what you pay for with free advice!</p><p>In this episode the boys discuss mortgage rates and how the rising interest rates have effected the market. Understanding how interest rates are being used to combat inflation, what they are doing to mortgage rates, and how the overall market is responding is very important for your financial success in a recessionary market.</p><p>As always, we do the research so you don't have to!</p><p>Join the discord!</p><p><a href="https://discord.gg/kqbWGQVZ">https://discord.gg/kqbWGQVZ</a></p>]]></description>
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      <title><![CDATA[Surviving and Thriving in a Bear Market]]></title>
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      <description><![CDATA[<p>You get what you pay for with free advice!</p><p>In this episode, the boys discuss the news regarding crude oil and OPEC + along with tips on how to survive and thrive during the 2022 Bear market. Patience is the key to success. With all the negatives in the market, it is good to remember there are positives as well. Trying to predict the end of a bear market and beginning of a bull market is nearly impossible, so stick to your rules and keep your eye on the prize!</p><p>As always, we do the research so you don't have to!</p><p>Join the discord!</p><p><a href="https://discord.gg/CfY9uyty">https://discord.gg/CfY9uyty</a></p>]]></description>
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      <description><![CDATA[<p>You get what you pay for with free advice!</p><p>From tax evasion to $1.50 Costco hot dog combos the boys discuss it all in this episode. While they continue to add their comedic abilities and personalities to the podcast, they also get down to business and dive into how to select a stock and what factors feed into a good stock choice.</p><p>As always, we do the research so you don't have to!</p><p><a href="https://discord.gg/XtYP3u2k">https://discord.gg/XtYP3u2k</a> </p>]]></description>
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