Analyzing Finance with Nick

Nicholas Pardini
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Analyzing Finance with Nick is a channel where I discuss topics in the world of finance, investing, and macroeconomics from the perspective of an investment professional with over ten years of experience working on the buyside. Formats of discussions include interviews, deep dives on specific topic, opinion commentary, educational summaries, icebergs, Q&A, and reaction videos to other investing or economics related videos.  Website: http://www.nickpardini.com YouTube Channel: https://www.youtube.com/@AFNick/featured

  1. 5D AGO

    The Top 5 Reasons Why Universal Basic Income Will Never Work

    Why Universal Basic Income will Never Work? In this episode of 'Analyzing Finance with Nick,' Nick delves into the structural flaws of universal basic income (UBI) and why he believes it is incompatible with a modern economy. He starts by discussing how UBI might disincentivize work and lead to inflation, then moves on to societal issues caused by idleness and the potential for increased envy and social unrest. Nick argues that UBI might compromise democracy by allowing voters to essentially vote for their salaries and warns of the economic impracticalities of such a system due to the exorbitant cost of implementation. He backs his arguments with data from various pilot studies and examples from history. Nick also gives a preview of an upcoming debate with an opponent who supports UBI. Tune in for a thorough exploration of why UBI may not be the solution we need. Join My Substack and Email List: https://nickpardini.substack.com/ Website: http://nickpardini.com Schedule a Consultation: https://forms.gle/X4PRyPn2gWjudtBw9 Link to Upcoming Tour Locations: https://www.eventbrite.com/o/80560975783 Get Old Money Reading List: https://nickpardini.substack.com/subscribe Podcast: https://open.spotify.com/show/3e5cwqQ9Qr2raeqEdjs4JQ AF with Nick Tour Survey: https://forms.gle/cFeyBNBcCS6jz5f7A Seeking Alpha: Nicholas Pardini Website: http://nickpardini.com​​​​ AF with Nick Tour Survey: https://forms.gle/cFeyBNBcCS6jz5f7A Become a Member for Early Releases and Bonus Videos: https://www.youtube.com/channel/UC7TEgC3UwJ2wI6m40rJOAFA/join Email Questions to askafundmanager@gmail.com Chapters: 00:00 Introduction to UBI Debate 00:59 Core Arguments Against UBI 04:28 Work Disincentivization Examples 09:32 Inflation and Economic Impact 12:21 Social and Political Ramifications 14:47 Mathematical Impracticalities Disclaimer: Anything in this channel is for informational and educational purposes only and is not investment advice. All information contained herein is based upon information available to the public. No representation is made that it is accurate or complete. No mention of a particular security, index, derivative, or other instrument on this channel is an offer to buy or sell or a solicitation of an offer to buy or sell the securities mentioned herein, nor does it constitute an opinion of the suitability and appropriateness of investing in any financial instrument. Please consult your investment advisor and do you own research before making any trading or investment decisions

    22 min

  2. FEB 9

    Why People Can't Cut Spending When Their Incomes Drop?

    Why People Can't Cut Spending When Their Incomes Drop? In this episode of Analyzing Finance with Nick, we dive into the Duesenberry Effect, also known as the relative income hypothesis. This heterodox economic theory explains why people maintain their spending levels despite significant income drops, driven by past income levels and social comparisons. Nick examines the psychological and social factors that compel individuals to sustain an unsustainable lifestyle, highlighting the dangers of rapid lifestyle inflation and the importance of managing financial expectations. Learn how this effect interplays with social class dynamics and the broader economic implications it holds. Join My Substack and Email List: https://nickpardini.substack.com/ Website: http://nickpardini.com Schedule a Consultation: https://forms.gle/X4PRyPn2gWjudtBw9 Link to Upcoming Tour Locations: https://www.eventbrite.com/o/80560975783 Get Old Money Reading List: https://nickpardini.substack.com/subscribe Podcast: https://open.spotify.com/show/3e5cwqQ9Qr2raeqEdjs4JQ AF with Nick Tour Survey: https://forms.gle/cFeyBNBcCS6jz5f7A Seeking Alpha: Nicholas Pardini Website: http://nickpardini.com​​​​ AF with Nick Tour Survey: https://forms.gle/cFeyBNBcCS6jz5f7A Become a Member for Early Releases and Bonus Videos: https://www.youtube.com/channel/UC7TEgC3UwJ2wI6m40rJOAFA/join Email Questions to askafundmanager@gmail.com Chapters: 00:00 Understanding the Duesenberry Effect 03:53 Real-Life Implications 09:26 Strategies to Avoid the Duesenberry Spending Trap Disclaimer: Anything in this channel is for informational and educational purposes only and is not investment advice. All information contained herein is based upon information available to the public. No representation is made that it is accurate or complete. No mention of a particular security, index, derivative, or other instrument on this channel is an offer to buy or sell or a solicitation of an offer to buy or sell the securities mentioned herein, nor does it constitute an opinion of the suitability and appropriateness of investing in any financial instrument. Please consult your investment advisor and do you own research before making any trading or investment decisions

    15 min

  3. FEB 2

    How to Get to the Upper Middle Class

    How to Achieve Upper Middle Class in 2020s America | Analyzing Finance with Nick In this episode of Analyzing Finance with Nick, we explore the feasibility of attaining an upper middle class lifestyle in today's America. Nick breaks down income levels, cost of living variations, and essential career paths that can lead to this economic tier. He explains key assumptions for housing, education, and retirement, and provides specific income benchmarks for low, middle, and high cost regions. The video also reviews statistical income distributions and suggests strategies for young professionals. Discover the combination of career choices and financial habits necessary to reach this goal. Join the discussion and find out whether achieving an upper middle class lifestyle is within your reach! 00:00 Introduction: Is Upper Middle Class Attainable? 01:00 Defining Upper Middle Class 01:41 Cost of Living Analysis 02:37 Key Assumptions for Upper Middle Class Lifestyle 04:14 Income Requirements by Region 07:06 Realistic Income Levels and Career Paths 10:40 Strategies to Achieve Upper Middle Class 12:23 High-Earning Careers and Professions 17:59 Reaching the Top 1-2% Income Bracket 23:02 Conclusion: Is It Attainable?

    23 min

  4. JAN 26

    The Cult of Equality

    In this episode of Analyzing Finance with Nick, the focus is on exploring why modern Western societies have a significant focus on equality and the ideological underpinnings that support this view. Nick describes this fervor for equality as the 'cult of equality,' comparing it to a secular faith derived from but distinct from Christianity. He outlines the origins of this belief from the French Revolution, its transformation through the Enlightenment, and how it clashes with other ideological perspectives such as aristocratic hierarchy, social Darwinism, and Nietzschean philosophy. Nick also discusses the practical and empirical challenges faced by egalitarian models, reasons for its ideological persistence, and the financial and social implications. Finally, he engages viewers on whether the pursuit of equality should be considered a paramount virtue and invites them to share their thoughts and preferences for future video content. Website: http://nickpardini.com Schedule a Consultation: https://forms.gle/X4PRyPn2gWjudtBw9 Schedule a Call: https://calendly.com/afwithnick Link to Upcoming Tour Locations: https://www.eventbrite.com/o/80560975783 Get Old Money Reading List: https://nickpardini.substack.com/subs... Podcast: https://open.spotify.com/show/3e5cwqQ... 2026 Nick AF Tour Survey: https://forms.gle/xHeP5PsimDbr6dJ26 Become a Member for Early Releases and Bonus Videos: / @afnick Email Questions to askafundmanager@gmail.com Chapters: 00:00 Introduction: Questioning Equality 02:36 The Cult of Equality: Origins and Ideology 04:51 Historical Counterpoints to Equality 08:05 Modern Egalitarianism and Its Extremes 14:11 The Spectrum of Egalitarian Beliefs 21:28 Critiques and Challenges of Equality Disclaimer: Anything in this channel is for informational and educational purposes only and is not investment advice. All information contained herein is based upon information available to the public. No representation is made that it is accurate or complete. No mention of a particular security, index, derivative, or other instrument on this channel is an offer to buy or sell or a solicitation of an offer to buy or sell the securities mentioned herein, nor does it constitute an opinion of the suitability and appropriateness of investing in any financial instrument. Please consult your investment advisor and do you own research before making any trading or investment decisions

    28 min

  5. JAN 19

    When Does it Make Sense to Work Hard?

    When Does It Make Sense to Work Hard? - Analyzing Hard Work and Success In this episode of Analyze Finance with Nick, we delve into the complex correlation between hard work and success. Nick discusses how this relationship has fluctuated over time, particularly highlighting changes during the 20th century, the effects of technological disruption, globalization, and shifts in work mentality post-pandemic. He explores when it makes sense to work hard and when it might not, providing examples across various scenarios including corporate jobs, entrepreneurship, and academic pursuits. The video also addresses the potential pitfalls of the 'grind set' mentality and emphasizes the importance of strategic and meaningful effort over perpetual hard work. Website: http://nickpardini.com Schedule a Consultation: https://forms.gle/X4PRyPn2gWjudtBw9 Schedule a Call: https://calendly.com/afwithnick Link to Upcoming Tour Locations: https://www.eventbrite.com/o/80560975783 Get Old Money Reading List: https://nickpardini.substack.com/subs... Podcast: https://open.spotify.com/show/3e5cwqQ... 2026 Nick AF Tour Survey: https://forms.gle/xHeP5PsimDbr6dJ26 Become a Member for Early Releases and Bonus Videos: / @afnick Email Questions to askafundmanager@gmail.com Chapters: 00:00 Introduction: The Value of Time 00:18 The Correlation Between Hard Work and Success 01:32 The Decline of Hard Work's Value 03:37 When Hard Work Doesn't Pay Off 09:11 When Hard Work Makes Sense 10:58 Strategic Hard Work in Corporate America 12:42 Entrepreneurship and Hard Work 17:49 Conclusion: Finding the Balance Disclaimer: Anything in this channel is for informational and educational purposes only and is not investment advice. All information contained herein is based upon information available to the public. No representation is made that it is accurate or complete. No mention of a particular security, index, derivative, or other instrument on this channel is an offer to buy or sell or a solicitation of an offer to buy or sell the securities mentioned herein, nor does it constitute an opinion of the suitability and appropriateness of investing in any financial instrument. Please consult your investment advisor and do you own research before making any trading or investment decisions

    21 min

  6. JAN 12

    The Truth About Elite Boarding Schools

    In this episode of Analyzing Finance with Nick, we explore the significant role of elite boarding schools, known as the 'St. Midas schools,' in shaping future leaders and wealthy individuals. Nick delves into the history, prestige, and geographical distribution of these top-tier institutions, particularly those in the Northeast U.S., and their influence on Ivy League admissions. We look at notable alumni, the demographic profile of students, and the financial considerations of attending such illustrious schools. Join us as Nick provides insights and commentary based on his research and interactions with those connected to these educational powerhouses. Website: http://nickpardini.com Schedule a Consultation: https://forms.gle/X4PRyPn2gWjudtBw9 Schedule a Call: https://calendly.com/afwithnick Link to Upcoming Tour Locations: https://www.eventbrite.com/o/80560975783 Get Old Money Reading List: https://nickpardini.substack.com/subs... Podcast: https://open.spotify.com/show/3e5cwqQ... 2026 Nick AF Tour Survey: https://forms.gle/xHeP5PsimDbr6dJ26 Become a Member for Early Releases and Bonus Videos: / @afnick Email Questions to askafundmanager@gmail.com Disclaimer: Anything in this channel is for informational and educational purposes only and is not investment advice. All information contained herein is based upon information available to the public. No representation is made that it is accurate or complete. No mention of a particular security, index, derivative, or other instrument on this channel is an offer to buy or sell or a solicitation of an offer to buy or sell the securities mentioned herein, nor does it constitute an opinion of the suitability and appropriateness of investing in any financial instrument. Please consult your investment advisor and do you own research before making any trading or investment decisions

    34 min

  7. JAN 5

    The Economic Future of the Netherlands: Can it Survive Tariffs?

    Join Nick in Amsterdam as he delves deep into the economic history and future of the Netherlands. Discover how this small country became a dominant trade hub and financial innovator from the 17th century to modern times. Despite challenges like an aging population, housing shortages, and shifting global trade dynamics, the Dutch economy remains a pivotal player with a unique blend of agriculture, manufacturing, and tech-based services. Compare the Netherlands with the state of Washington, exploring similarities and differences, as Nick provides a comprehensive analysis and future outlook of one of Europe's most resilient economies. Website: http://nickpardini.com Schedule a Consultation: https://forms.gle/X4PRyPn2gWjudtBw9 Schedule a Call: https://calendly.com/afwithnick Link to Upcoming Tour Locations: https://www.eventbrite.com/o/80560975783 Get Old Money Reading List: https://nickpardini.substack.com/subs... Podcast: https://open.spotify.com/show/3e5cwqQ... AF with Nick Tour Survey: https://forms.gle/cFeyBNBcCS6jz5f7A Chapters: 00:00 Introduction: The Dutch Economic Miracle 00:29 Historical Overview: From Marshland to Global Power 01:57 Modern Economic Strengths and Innovations 06:18 Challenges Facing the Dutch Economy 13:02 Comparing the Netherlands to US States 17:17 Conclusion: The Future of the Dutch Economy Become a Member for Early Releases and Bonus Videos: / @afnick Email Questions to askafundmanager@gmail.com Disclaimer: Anything in this channel is for informational and educational purposes only and is not investment advice. All information contained herein is based upon information available to the public. No representation is made that it is accurate or complete. No mention of a particular security, index, derivative, or other instrument on this channel is an offer to buy or sell or a solicitation of an offer to buy or sell the securities mentioned herein, nor does it constitute an opinion of the suitability and appropriateness of investing in any financial instrument. Please consult your investment advisor and do you own research before making any trading or investment decisions

    18 min

  8. 2025-12-29

    Hermès Heir Loses $15B: Wealth Lessons from a Vanished Fortune

    When Nicolas Puech, heir to the Hermès fashion empire, saw his $15 billion fortune vanish under mysterious circumstances, the world’s elite took notice. At the center of the drama: a trusted Swiss wealth adviser, missing shares, and a series of decisions that left one of Europe’s richest men fighting for answers. 00:00 Introduction 03:22 The Key Players: The Heir and his Advisor 05:53 The Unraveling of the Fortune 13:37 Lessons in Wealth Management Join My Substack and Email List: https://nickpardini.substack.com/ Website: http://nickpardini.com Schedule a Consultation: https://forms.gle/X4PRyPn2gWjudtBw9 Specialized Consulting Service: https://calendly.com/afwithnick Link to Upcoming Tour Locations: https://www.eventbrite.com/o/80560975783 Get Old Money Reading List: https://nickpardini.substack.com/subscribe Podcast: https://open.spotify.com/show/3e5cwqQ9Qr2raeqEdjs4JQ AF with Nick Tour Survey: https://forms.gle/cFeyBNBcCS6jz5f7A Seeking Alpha: Nicholas Pardini Citations: https://www.wsj.com/business/eric-freymond-nicolas-puech-hermes-lvmh-8577023f https://www.nytimes.com/2025/04/09/world/europe/hermes-qatar-puech-deal.html https://fortune.com/europe/2023/12/19/hermes-billionaire-heir-nicolas-puech-cut-ties-charity-isocrates-foundation-gardener-adoption/ https://www.wsj.com/business/nicolas-puech-hermes-heir-money-mystery-fc77057f https://www.tdg.ch/eric-freymond-il-etait-cerne-par-la-justice-avant-sa-mort-647312642458? https://www.glitz.paris/en/families/2025/07/31/the-last-confession-of-eric-freymond-the-shadow-financier-in-the-missing-hermes-shares-scandal%2C110497252-art Email Questions to askafundmanager@gmail.com Disclaimer: Anything in this channel is for informational and educational purposes only and is not investment advice. All information contained herein is based upon information available to the public. No representation is made that it is accurate or complete. No mention of a particular security, index, derivative, or other instrument on this channel is an offer to buy or sell or a solicitation of an offer to buy or sell the securities mentioned herein, nor does it constitute an opinion of the suitability and appropriateness of investing in any financial instrument. Please consult your investment advisor and do you own research before making any trading or investment decisions

    24 min
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About

Analyzing Finance with Nick is a channel where I discuss topics in the world of finance, investing, and macroeconomics from the perspective of an investment professional with over ten years of experience working on the buyside. Formats of discussions include interviews, deep dives on specific topic, opinion commentary, educational summaries, icebergs, Q&A, and reaction videos to other investing or economics related videos.  Website: http://www.nickpardini.com YouTube Channel: https://www.youtube.com/@AFNick/featured

Information

  • Creator
    Nicholas Pardini
  • Years Active
    2023 - 2026
  • Episodes
    140
  • Rating
    Clean
  • Copyright
    © All rights reserved.
  • Show Website
    Analyzing Finance with Nick